Date Received: 2024-01-07
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I had checking accounts with Ally Bank. Ally Bank unfairly closed my accounts down without saying the reason why. I did complain in the past that the online banking of Ally Bank was frequently down for maintenance past midnight and it caused a lot of problems for me because I usually pay my bills after midnight, but that should not be the reason why they closed my accounts down unfairly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: In the XXXX XXXX I was looking to get XXXX XXXX XXXX. I went to XXXX XXXX in XXXX Arizona to inquire about this treatment. They told me to get the XXXX XXXX I had to do a XXXX consultation on XXXX. They gave me the phone number. I called and there was a lady on the call that told me to get a consultation I needed to fill out forms. I filled out the forms ( which I don't remember ), they asked me questions about my address and at that time she told me I needed to fill out my social security. The only thing I remember is that the lady next said I was approved to get XXXX XXXX I went in to go get my XXXX XXXX ( to the facility at XXXX XXXX ) and I said do I pay here? They told me no, you pay through Alley through a link. From there I didn't understand how and what was happening. I got a link and it told me I needed to pay monthly instead of for every service I was receiving which is what I told them I wanted. After learning more about it and doing research I realized they signed me up for a monthly service payment plan. I couldn't even go in for monthly services because the treatment I was getting was only able to be done every 6 weeks. So I was asked to pay for something I was not receiving. I don't have a job or a reliable source of income and they signed me up to make payments for a plan of over {$4000.00}. I never agreed or would have agreed to sign up for something so egregious. The lady was very pushy on the phone saying that if I did not agree to this today I could not go in for a treatment in the next week. I don't even know what I agreed to until I got a bill saying I was in a contract. I called about 5 months later after talking to my parents and only receiving 2 treatments. They told me to call and cancel the service and when I called they told me that XXXXXXXX XXXX they told me I needed call Alley because they go through a separate company. When I called Alley they told me no I could not cancel. They said they would stop charging me interest ( which I had no idea about ). I have struggled to come up with the money to pay this {$2300.00} off. I call them and they ( Alley Lending ) are constantly charging me late fees after 1 year later they are not telling me accurate information. I know their calls are recorded and after my last payment in XXXX of XXXX- where my mom called and paid it off, I told them " this is my last payment please confirm that '', which the representative did. Then in XXXX they sent me another letter with another payment due of {$130.00}. One time I went in for a treatment and they said I filed a dispute and they couldn't give me a treatment until I removed the dispute. I called to ask them to cancel whatever they signed me up for and to allow me to get services for what I had paid for. This is a company that took advantage of a ignorant XXXX XXXX who had no job and source of income. They signed me up for something I could not agreed to pay for and did so in a secretive way. They did not tell me I would have to make payments monthly for services I never received. I wanted to pay for services I received at the time I received them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84121
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XXXX I tried logging into my Ally Bank account. It said my password and username did not match. Which was weird to me because I have it saved in my iphone in the passwords options so I haven't changed the login information in years. I then try to reset my password and it says my account is blocked. So then I called Ally and they tried resetting it and it didn't work. Then they tried to give me a newpassword it still did not work. I have no access to my accounts at all. They transfered me to a technical associate and they still don't know what's going on. Usually I wouldn't worry as much but I just paid all of my bills so i don't know if there's enough in my checking. Secondly, I am abroad and will be until XXXX XXXX so not having access to my money is a big issue because I only took out XXXX in cash.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20912
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: XXXX Bank provided me the merchant proof of their response, which did NOT support my {$500.00} charge in XXXX with XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX and XXXX XXXX are NOT the same company but clearly, they are working together behind the scenes concocting against me. I signed a contract with XXXX XXXXXXXX XXXX company in XXXX with alleged lawyer XXXX XXXX who was supposed to help me win money back from a previous company I worked with earlier in the year ( XXXX XXXX ). Again, they reached out to me and offered these " fake '' services. When they ( XXXX XXXX XXXX ) charged my card for lawyer representation and to obtain services ( as outlined in the contract ) I did not expect the charge to read " XXXX XXXX XXXX '' and this seems to be where the confusion lies and they have pulled the wool over your eyes. When I learned that this company was illegitimate, I requested my refund, as per contract. But the proof that was provided has tricked the bank because they have provided some artwork and proof but the fallacy in this is that THIS IS NOT THE SAME COMPANY... AND THE DATES, NAMES, AND COMPANIES DO NOT MATCH. AGAIN, I met XXXX XXXX XXXX XXXX in XX/XX/XXXX. Artwork or not, WHY WOULD XXXXXXXX XXXX ACCEPT ANY ALLEGED PROOF THAT IS 1. BACKDATED TO XX/XX/ ( I NEVER HEARD OF XXXX XXXX XXXX AT THIS TIME AND HAD NO RELATION ), 2. THE EMAILS HAVE NAMES XXXX AND XXXX ENDING IN XXXX XXXX XXXX NOT " XXXX XXXX' ... ..AGAIN, THESE ARE NOT THE SAME COMPANIES. Although they appear to be working together and against me at this point. XXXXXXXX XXXX appears to as corrupt as these two previous companies if they are actually " investigating '' and failed to acknowledge these key details. Again, the contract from XXXX XXXX XXXX was signed in XX/XX/XXXX XXXX and the details are NOT about XXXX.. but instead LAWYER REPRESENTATION TO help me get my money back from previous book company ( which happened to be XXXX XXXX ). Now I am led to believe that XXXX XXXX XXXX is working in corruption with XXXX XXXX XXXX separate bookwriting company that ripped me off in thousands earlier this year ) and XXXX XXXX ( who is overlooking key facts and details in this case that DOES NOT SUPPORT {$500.00} charge in XX/XX/XXXX XXXX ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75241
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Since at least XX/XX/2023, Ally Banks website has not permitted customers to change or cancel scheduled transfers ( e.g., a transfer from an individuals primary checking account to Ally Bank, or vice versa ). As a result, unauthorized transfers have been made, customer accounts have been overdrawn, etc. Ally is aware of this issue and claims to be working to resolve it, but they have not provided any ETA on a resolution. Nor have they notified customers or included a notice on their website explaining the issue. Until the issue is resolved, customers only option is to contact Ally customer service and ask them to cancel the scheduled transfers. Because of the issue, customer service hold times are steadily increasing, Ally Bank is an online savings institution. It is completely unacceptable if their website is nonfunctional for one day yet here we are, going on XXXX weeks. Providing customers full control over their deposited funds is the bare minimum a bank should be required to do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95762
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I have tried to open a Savings account with Ally bank online ( application : XXXX ), I called and spend over 1hour and 45minutes and escalated to supervisor on the phone, the translation services was not translating the same information that I was given, the account could not be opened and they claim fraud concerns, they did not provide any other option to resolve the issue, I did explained that is a savings account so I can put part of my salary, I am a XXXX XXXXXXXX that have a legal status in the XXXX, I provided all documents they required and at this point I feel discriminated against. This is unacceptable. I do have evidence of screen capture of time on the call and the letter they sent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14580
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Repossession
Subissue: Notice to repossess
Consumer Complaint: I have called Ally Direct multiple times throughout the year of XXXX. I lost my job and was struggling to make the payments at times. Each time I called this company I was placed on hold for more than 2 hours. Crazy right. Once I finally got ahold of someone that couldnt process my request for an extension. Stating their computer system was down call back in an hour. I understand my car payments is late since XXXX but no one is helping, now I have a letter for repossession plus a threat for future late payments could cause repossession without a notice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38122
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I'm presently in florida for vacation, and i have been locked out of my card and account, and they wont give me any reason for it, I'm presently stuck in florida cause of this, I need my account asap
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33542
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: To Whom It May Concern, I am a victim of identity theft and have enclosed a copy of my identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within XXXX days upon receipt of this correspondence. I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file :
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77493
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Ally obtained a copy of the credit report without my consent. They claim they got the authorization from another lender. I have not authorize directly or indirectly my credit report be pulled to Ally.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A