Date Received: 2022-09-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: PLEASE REMOVE FROM CREDIT REPORT
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Since XXXX or XXXX I have the checking account ending in XXXX. For the last 2 years - Ally bank has gone from worse to worst. No customer service associate available via chat or phone. Long wait time and very useless customer service. Check deposits are very unpredictable. Deposited a check of {$15000.00} via ally mobile app on XXXX XX/XX/XXXX at around XXXX. Till now there is no status on that check. I know it's next business day but it's too long a wait and something like Ally which is only online bank should be doing much better.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I leased a new XXXX XXXX vehicle for 39 months in XXXX of XXXX. I was involved in an accident in XXXX of XXXX and the vehicle was totaled. My insurance deemed it a total loss and the fair market value came much higher than remaining payments plus the residual value of the car after the payment. The financial institution is saying that the are going to keep the excess, but if the insurance pays less the remaining value, I have to pay the difference. That is unfair practice where the consumer is a the loosing side either way. The balance of the lease was {$4200.00} and residual value after lease was {$25000.00}, so total I owe on that vehicle was {$29000.00}. The insurance settlement was {$45000.00} Also, my plan was always to purchase the car at the end of the lease as the vehicle prices have gone up considerably. But now, I have to pay higher price for the new car and I loosing the benefit of getting higher price for my used car.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 68116
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Inquires on my report I havent filed to apply for so want removed from my report inaccurate information is being reported which is reflecting a higher inquiry level in which needs to be reported.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48237
Submitted Via: Web
Date Sent: 2022-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-24
Issue: Problems at the end of the loan or lease
Subissue: Problem when attempting to purchase vehicle at the end of the lease
Consumer Complaint: On XX/XX/2022 I contacted Ally Bank to request a payoff so I could buy out my vehicle lease. They told me they could not provide this information, that I would have to contact the dealership ( XXXX XXXX of XXXX XXXX, FL ) where I bought it because they can't sell it to me directly. I contacted the dealership and they were willing to give me a payoff amount ( which they received from Ally Bank ) but said they could not give me the taxes, fees, etc. and that they would not help me with the buyout with Ally because " Ally would require us to break Floridas anti discriminatory laws ( they ask us to charge their customers different fees ) and we will not break the law for anyone. '' They directed me back to Ally for a list of dealers to help facilitate the lease buyout. I contacted Ally and they said they don't have a list of dealerships in my area. This activity is in direct violation of the terms of my lease and laws regarding interstate commerce. Neither party wants me to buy out my lease because used vehicles are going at a premium right now and rates are going up. Their actions are causing me real financial and material harm.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34986
Submitted Via: Web
Date Sent: 2022-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-24
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: On XX/XX/XXXX, I deposited a check using my bank 's " emobile '' system where I can scan the check using my phone and it deposits immediately into my account. On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) called and said they had to return the check because it was expired and asked if I could call ALLY financial and have them reissue one with a new expiration date. I called ALLY to request the new check and was given the confirmation number XXXX, and it would take XXXX days to confirm the last check was expired and returned, then they would send a new one, I'll receive it in 5-7 business days. On XX/XX/XXXX, I called ALLY financial to inquire about the check, as it had been two weeks, and the CSR said it was cashed after my husband and I explained it multiple times, I asked to speak with a supervisor, and got XXXX, he mentioned the check was cashed and all he could do was send me a document saying such, I asked him should I call the bank for them to tell them they do not have the money? He said " yes '', I called XXXX and spoke to XXXX, but due to the XXXX party being on the line, for the safety of my account information, we could not finish the call. On Monday, XX/XX/XXXX, I went to the XXXX, MI XXXX branch, agent XXXX, and I called ALLY financial, he explained to them that the check was returned due to them denying the date expiration. XXXX requested I send my bank statements ( attached ) to confirm what he was saying. On XX/XX/XXXX, I faxed a total of XXXX pages ( one being the cover page ). to XXXX and put the case number XXXX on the copy as requested. On XX/XX/XXXX, I called ALLY to get the status of my claim, XXXX said, " we won't send a check because it was cashed on XX/XX/XXXX and she can send me the document showing such '' I asked her how they cash an expired check, my bank didn't cash it so how did ALLY, they returned the check on XX/XX/XXXX ( highlighted on attached documents ), they returned the check of {$710.00} and charged me a {$15.00} returned check fee on XX/XX/XXXX! I asked did they look at the bank statements sent and where it was indicated they did not have the money. I asked to speak to the finance department, she said she had to " email '' them since they don't have a contact number for me. She said they cashed the check on XX/XX/XXXX. I filed a complaint with the XXXX on XX/XX/XXXX, XXXX at the XXXX department responding to complaints ( XXXX ext. XXXX ) called to inquire and I provided the same information she also said they '' didn't have the page containing the two highlighted areas ( which I can prove was there ). As I called on multiple occasions, leaft voicemails and no one returned my call, her voicemail started going to a XXXX person, once I finally reached her, she said they were still researching it and contacting XXXX XXXX XXXX to see what happened on their end. On Monday, XX/XX/XXXX, XXXX calls to tell me " the check was cashed on XX/XX/XXXX. '' I said no it wasn't, by who and where, can you send me documentation that shows what you're saying she said no, I said well where was the check cashed, she said XXXX, I said by who she said " you, then she mentions it was the second check that was sent that was cashed, I said how I cashed the original on XX/XX/XXXX, she mentioned something about XXXX XXXX ( I was confused ). After hanging up on XX/XX/XXXX, I went to XXXX and was given a copy of the returned check from ALLY stamping on the back. I also have copies of my XXXX statement that they keep saying would hold the cashed check information ( see attached ). How can that happen if it was returned and who is NOT using common research financial sense?! I am furious with the outcome as no one at ALLY can do anything right and find out where the check was cashed and who if it was the " second check ', as I never requested a second check until XX/XX/XXXX after XXXX contacted me. This is considered fraudulent check cashing on ALLY 's behalf, No one seems to comprehend bank statements that are highlighted brightly showing the inconsistency of a check cashed and when it's not from the financial institution. Just as I didn't pay attention to the expiration date before depositing it how did they deny my bank cashing it but then they turn around and cash the check on their end? Leaving myself and my bank without funds due. That means they reported {$710.00} as cashed to their financial documents but didn't reissue the check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2022-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Money was not available when promised
Subissue:
Consumer Complaint: Re Ally Bank. Matured Prior to XXXX {$52000.00} CD a/c No XXXX Phone calls were made to Ally in early XXXX my for funds to be received in a timely manner. Ally Bank have completely ignored my requests to send my funds. They created numerous ridiculous demands, such as, verification 's, needed to send my funds. Sent many repeated, ( 30 to 40 ) faxes over approx. 3 months. They used bully tactics in not sending my funds in timely manner, thus causing unnecessary and induced stress. Compensation request. Loss of interest caused by Ally time lag. Could have invested the funds in timely manner and received approx 3 % to $ 4 % on my funds. Many hours spent on the phone with Ally Bank. On hold -Cut off- more verification over and over with different bank employees. No help at all received. Wire transmission was agreed by Ally to be No Charge. Penalty charge to be returned to me for all of the inappropriate runaround that tAlly have forced upon me. They further forced me to create an online a/c when my money has been invested with them for years. More bully tactics, for time stalling wrongful illegitimate practices. Ally Bank ( this week ) wrongfully renewed my CD, after I provided Ally many, numerous instructions to wire my money, without further delay to me. Ally proceeded wrongfully against my instructions, by investing my funds for a further year, till XX/XX/XXXX. Bad, bad state of affairs., after 3 months approx. of asking for my money to be sent to me.. As of today I have not received my funds XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90025
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Problems at the end of the loan or lease
Subissue: Excess mileage, damage, or wear fees, or other problem after the lease is finished
Consumer Complaint: I leased a XXXX from Ally beginning in XXXX. The lease was to end in XXXX - during XXXX. I returned the leased vehicle to XXXX XXXX in XXXX XXXX, Missouri. The XXXX was turned in to the dealership and out of my possession for 11 months before being picked up by Ally. During this time there were several items damaged on the vehicle along with items stolen and lost from the vehicle. I was initially charged for those damages and missing items and eventually lost money on the buyout of the vehicle due to the negligence and fraud committed by the 2 companies. I have repeatedly tried to work this out with the dealership to no avail. I am hoping that getting someone else involved will push them to respond and make things right. The XXXX and Finance manager of the Dealership have been unwilling to remedy this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code $ 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code $ 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX XX/XX/XXXX Ally Financial XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15210
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I purchased a XXXX XXXX XXXX XXXX in XX/XX/XXXX. The truck 's engine light came on XX/XX/XXXX. I asked Ally Financial to take the truck. It's a lemon. They said they will come for the truck sale the XX/XX/XXXX. Upon they receiving the truck, they will market the truck, any money remaining from XXXX dollars. I would have to pay maybe {$25000.00}. I don't feel that I should pay anything. The truck is a lemon. I am XXXX XXXX XXXX. This was fraud Ally Financial XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 245XX
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A