Date Received: 2022-09-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX I submitted a transfer request at Ally Bank for {$1500.00} to send to my XXXX XXXX account. On XX/XX/12 they said my transfer was suspended and I can not use transfers for 1-2 business days. I called several times and was repeatedly hung up on and then told I would not have access to any of my funds for 1-30 days pending a fraud review. I can not access the online account and the agents are not being helpful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 946XX
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2022, I sent Ally Financial a notice of unauthorized inquiry that has caused damage to my credit file. By law Ally Financial had 10 days to respond to my notice showing proof they were given written consent by me to access my credit file which they have not. They are now in default and are continuing to violate my right to privacy as well as my federally protected rights as a consumer. I do not give Ally Financial any consent to access my credit for any reason. I have also filed an identity theft report for their unlawful behavior.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48182
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-13
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I applied for a checking account due to being offered {$250.00} account opening bonus. It is XX/XX/XXXX and I have not received the bonus that I was supposed to get by the second week of XXXX. I spoke to multiple representatives and have used their chat system and was told Id have a resolution by the XXXX and XXXX of XXXX. I just called right now and they said there is nothing they can do. So I feel this is misleading and bait for consumers to open accounts
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76017
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-11
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: On XX/XX/2022 a check written for XXXX was incorrectly cashed for {$70.00}. Check image clearly shows the check was written out for {$25.00} but the check cleared for {$50.00} more then it was written out for. Have emailed Ally Bank and tried to make a phone call but Ally Bank now allows unacceptable call times of 30 minutes! Customer no Service forces me to file a compliant with the CFPB
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92111
Submitted Via: Web
Date Sent: 2022-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-11
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Upon reviewing my contract there are many breaches to the contract. I was coercion into the contract, influenced by dealer with material misrepresentation. Their are also many codes violated ( United States codes ) U S C 15 1602 ( k ) - U S C 15 1662 -U S C 15 1605 - U S C 15 1609 ( A ) CODE OF FEDERAL REGULATIONS ( C F R ) 12 226.15
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2022-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-11
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I first closed my account in early 2021 in which they sent me a check for the funds that were in there. The check was for higher amount that most online banks wont take sothe check expired. I have sent the bank my drivers license, social security and a copy of the original check but they still refuse to give me a replacement. That should be more than enough to verify my identity and that the original check was never cashed but i still dont have a replacement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 185XX
Submitted Via: Web
Date Sent: 2022-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I Consumer XXXX XXXX XXXX entered into a consumer credit transaction with ALLY FINANCIAL on XXXX XXXX. A consumer credit transaction in which a finance charge was involved. Title 15 U.S.Code 1605 defines a finance charge as sum of all charges in a consumer credit transaction. The finance charge does not include cash, but ALLY FINANCIAL took cash. The finance charge is supposed to include insurance, but Ally financial made me purchase insurance separately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85138
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: My online account with Ally would not allow me to make online payments to pay my balance ( monthly payments of {$370.00} ). I reached out to an agent of the Ally auto who suggested I make the payments through money order and send them via mail. My car was repossessed a few weeks later ( XXXX XXXX ), although I have been consistently sending payments through usps mail. After speaking with Ally agents on the phone, I was told that it takes two weeks up to a month to process the payments via mail. This caused my balance to remain up, even though payments had been sent for my account. I have written documentation of trying to get this problem resolved with Ally Auto, and I have evidence of payments sent for the balance. My car was taken due to payments not being processed by the company system. The reason was not because of me not paying.Also during the repossession there was a breach of peace. I was threatened with more fees by the driver and he disconnected my car battery. The driver also may have damaged the car as he towed the car from the wrong end as it is a forward wheel drive. Furthermore, the contract agreed by me and Ally was violated as well. According to law this repossession was illegal conducted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38114
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-10
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I applied for a mortgage with Ally Financial, powered by better, in XX/XX/2022, the account was taken over by them after I had gone through a long process with XXXX Mortgage. After processing information request by Ally Financial, powered by better I was told I was going to close on XX/XX/2022, I requested vacation time but was told the closing would not happen on that date and extended it out until XX/XX/2022, but I would have to lock in the rate at {$30.00} per day, in order to continue with the process. I continue working with Ally Financial, powered by better because I had a good credit score. But in XXXX I found out that my credit score had dropped XXXX points and now I am in the high risk and would have to clear out my credit cards, along with bring more money to close. After the continuous change in the dates that owner decide to more on with the process. I signed the mutual release on XX/XX/2022, and received a denial from the mortgage company on the XX/XX/2022.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48185
Submitted Via: Web
Date Sent: 2022-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: i need these inquiries removed they are not mine
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A