Date Received: 2022-09-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by covid-19. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27834
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Applied several times for checking account. Received a letter stating they cant verify my identity. I have since ran all three credit reports. All is in order. Application # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48174
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I did not ask for a same day payment, and Ally Bank did not give me a notice that they were going to charge me a fee. I sent them proof showing the screen that I was given and the choice I made to make a next day payment. They did not read the proof and sent me a standard letter saying they had done this correctly, but they did not do it correctly. They have a glitch in their system, because it usually flags me when I am going to make a same day payment and it shows the fee. It did not do that this time. I was not informed of the fee until after I made the payment, and I tried to cancel but they would not allow me to cancel. I tried online and I also immediately called them. You can see by the attached screenshot that I selected the NEXT day, the XXXX, not the XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
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: XX/XX/XXXX I wish to report Consumer Fraud and Unfair Business Practices with Ally Financial and am seeking restitution. My XXXX XXXX XXXX was leased through Ally Financial beginning XX/XX/XXXX. Unfortunately, my XXXX was stolen while in XXXX, XXXX on XX/XX/XXXX. I reported this theft to Ally Financial, the XXXX Police Department, and XXXX XXXX XXXX the day of the theft. I decided to buy the XXXX from Ally on XX/XX/XXXX ( even though the XXXX was not yet recovered ), and requested a Buy Out Agreement from Ally, which I received the next day. Please note, I plan to wait another 1-2 months to see if my XXXX is recovered before I pursue any claim with my insurance company, XXXX XXXX XXXX Below are key facts and the sequence of events : XX/XX/XXXX I called Ally to inform them my XXXX was stolen XX/XX/XXXX I requested the Buyout Agreement from Ally XX/XX/XXXX Ally sent me the Buyout Agreement via my Ally email portal ( attachment ) XX/XX/XXXX XXXX ( with XXXX XXXX ) called Ally to confirm the terms and amount of my buyout. Ally confirmed for me to mail a check for {$47000.00} by XX/XX/XXXX and then Ally would mail me my title. XX/XX/XXXX Ally asked XXXX XXXX what the replacement value of my XXXX was ( if my XXXX is never recovered ) based on Comps. XXXX XXXX shared the value of {$60000.00}. Ally immediately demanded this money ( as it was + {$13000.00} greater than my Buyout ) even though Ally was fully aware I was in the middle of executing the Buyout, in line with my lease contract. XX/XX/XXXX XXXX XXXX and I called Ally to confirm they were clear I was executing the Buyout, they would not receive {$60000.00} from XXXX XXXX, and there was no total loss on the XXXX ( at this time ). Both the Buyout Department and Total Loss Department said they needed a letter from XXXX XXXX stating today there is no claim and therefore there is no total loss. XX/XX/XXXX The Buyout Agreement check for {$47000.00} was received by Ally per USPS signature confirmation ( attachment ) XX/XX/XXXX XXXX XXXX issued the letter requested by Ally. XXXX XXXX and I called Ally to ensure they had the necessary letter and that nothing else was needed to execute my Buy Out Agreement. This phone call was a nightmare and lasted XXXX hours and XXXX minutes. We were transferred from XXXX department to another, and repeatedly put on hold. We spoke to the Total Loss Department, then the Customer Service Department, then the Buyout Department, then the Total Loss Department, and again the Total Loss Department. The call ended with an employee from the Total Loss Department telling us that I could not buy the car, and that she is personally now cancelling my Buyout Agreement. The employee made multiple disrespectful and discriminatory remarks, such as telling the two XXXX XXXX employees to be quiet. The employee made multiple threatening remarks, such as telling me I would be personally liable for the full {$60000.00}. I asked to talk to the employees manager or to the Escalation Department as the issue was not resolved. The employee refused and told me she is the Escalation Department, there is no one beyond her to escalate to, and all her decisions are final. This clearly was an exercise in futility and a ploy by Ally for me to get frustrated and give up. XX/XX/XXXX I wrote a three-page letter to Ally Executive Consumer Relations, citing the issue, sharing the poor customer service, and requesting help. I have not heard any response. XX/XX/XXXX I made my regular monthly XXXX lease payment via auto deduct. Note all payments have been on time and my account is current. XX/XX/XXXX The {$47000.00} buyout check cleared my bank ( attachment ) XX/XX/XXXX I called Ally Buyout Department to see when I would get my title, since they had received and cashed my check. I was told someone in the Total Loss Department has a hold on my account with the note Do not sell the customer the XXXX. Therefore, the Buyout employee said he could not send me my title even though I have paid for the XXXX per my agreement. These many conversations with Ally can be corroborated as : Ally records the phone calls Both XXXX XXXX and I took copious notes including dates, times, names of departments, and names of employees with every conversation. Ally is greedy and does not want to honor the Buyout Agreement that is outlined in my lease contract and was sent to me on XX/XX/XXXX, even after I confirmed verbally the amount/conditions of the buyout agreement on several phone calls in XXXX, even after I fulfilled the requirements of the Buyout Agreement, and even after Ally cashed my check for {$47000.00}. Instead, Ally would like to get a larger check from XXXX XXXX ( {$60000.00} ), which is the amount I will need to purchase a similar XXXX if in fact my XXXX is never recovered. Ally has clearly demonstrated deception, unethical business practices, and consumer fraud. I demand Ally send me my title within 10 days. If this does not occur, I will pursue punitive damages. I, along with XXXX XXXX, have tried to resolve this issue on at least six different occasions, investing countless hours, to no avail. The Ally customer service has been appalling. Being transferred back and forth between departments and being put repeatedly on hold is exhausting. Being told conflicting information by different departments and given an apparent runaround is disheartening. Being treated with disrespect and being threatened is unacceptable. Holding my XXXX title after full payment is rendered is illegal. Since my issue is unresolved, and the letter and email I sent to the Ally Customer Service Department is ignored, I plan to escalate and take the following actions today : Inform Ally top leaders of the fraud, bad business practices, and horrid customer service : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contact my personal attorney and ask him to contact the Ally legal department directly : Law Offices of XXXX XXXX XXXX XXXX XXXX XXXX. Likely I will be referred to an attorney in XXXX where Ally is headquartered. Communicate the acts of flagrant deception and fraud to the news media call to action XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX consumer fraud complaints with the following agencies : XXXX XXXX XXXX FTC CFPB My Ally account information, my contact information, and Ally headquarters information is below. Respectfully yours, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85255
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I am not familiar with these charges. I have been unable to contact the bank to get a replacement card or to open an investigation. XX/XX/2022 XXXX XXXX Withdrawal XXXX XXXX, PA, XXXX XX/XX/2022 XXXX XXXX Withdrawal XXXX XXXX XXXXXXXX, XXXX XX/XX/2022 XXXX XXXX Withdrawal XXXX XXXX XXXX, XXXX XX/XX/2022 XXXX XXXX Withdrawal XXXX XXXXXXXX, XXXX XX/XX/2022 XXXX XXXX Withdrawal SXXXX XXXX XXXXXXXX XXXX, TN, XXXX XX/XX/2022 XXXX XXXX Withdrawal XXXX XXXXXXXX, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I received 4 emails from Ally Bank stating that my accounts have been restricted for suspicious activity on XX/XX/XXXX. I contacted them by phone and was never given a clear reason for the restriction. However, I was informed that there was no suspicious activity on XX/XX/XXXX and the account was restricted because an investigation was opened on a dispute claim that I had filed on XX/XX/XXXX when I discovered my debit card had been stolen. I believe it is important to note that I received a new debit card after the XX/XX/XXXX dispute claim and had no issues accessing my account until XX/XX/XXXX. I have contacted Ally multiple times to attempt resolution with no success. The information I have been given has been contradictory and inconsistent. I have been given multiple different deadlines for the investigation to be completed ranging from 10 business days to 90 days. I have requested the initial dispute be canceled because I obtained more information from my family that the charges were legitimate. I have requested to speak to the investigator and was told the investigators do not take calls. I would really just like to have this resolved quickly and regain access to my funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 240XX
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Over the past 2 years I have experienced multiple instances of fraud on my account and consistently receive differing stories on how to resolve the issues. XXXX I received a text message and call from Ally Bank 's phone number ( the number that matches the back of my card ) to confirm if I had authorized a set of recent transactions, I had not so I followed the automated system to press 1 to speak to a representative. At one point the call is disconnected. I call Ally Bank back, they have no record of the transaction and indicate it was a fraudster calling. They then get me over to the fraud group and we put my XXXX payments on hold as someone was trying to send money to themselves. They then get me setup on a new card, cancelled my old one, and advise I should call Ally Bank directly next time I have any issues. They assume me that no valid XXXX transactions will be impacted by this. XXXX I was sent an incoming XXXX transaction that was declined with no notification to me or the sender. XXXX called Ally and they not only told me there was no issue, but then discovered there was a hold which they refused to remove and wouldn't give me a timeframe. XXXX The hold was successfully removed. Now, during this process outside of calling no actions were required on my end. XXXX More fraud on my accounts, my debit card is closed and they are resending me another card. Never had to do anything but speak with Ally over the phone. XXXX I get a text asking if I authorized a transaction, to which I reply " No. '' This prompted a call from Ally bank which I disconnected given my previous encounter. I then called the bank back and they said " The fastest way to resolve would have been to accept the incoming call. '' Then proceed to tell me that they will send me a new card but I have to wait until the fraudulent transactions post then dispute them myself. I have NEVER had to do that, not ever. Then I asked to speak with a supervisor who said she has been with the company 10 years and it's always been in the deposit agreement, yet again earlier this year when I had this happen I didn't have to file any disputes. I do not feel Ally is doing what they can to protect or educate customers, this is the 3rd time in a year that my card has had fraud, I've never had this many issues with a bank before and it has only began being an issue in the past 2 years or so. Their customer service isn't educated on what actually will happen or the processes, they don't provide accurate information, and I am entirely dissatisfied with their approach to protecting customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 50265
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
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: I opted to purchase my lease from ally bank in XXXX of XXXX XX/XX/XXXX ally cashed the check submitted by XXXX XXXX XXXXXXXX XXXX who I had sign a lease buy out loan with for XXXX. There was a cosigner on the lease who they stated they couldn't get in contact with. Towards the end of XXXX, XXXX XXXX called me asking for the cosigners contact information who was on the original lease agreement which was completed satisfied at the time of purchase. He stated that if they can not contact the cosignerfrom the lease that they will process without paperwork and if they had any issues, they would contact me. During the second week of XXXX, I received a notarized letter from Ally Bank stating that the lease had been satisfied and they no longer hold any interest for the XXXX XXXX. I've been paying the new lien holders on time and since the end of XXXX. during the end of XXXX, I began to get calls in regards to the XXXX from and a different numberthan ally had called me prior. They stated that they wanted to know what I was doing with the vehicle. They asked if I was interested in purchasing the car or am I planning on returning the XXXX. I proceeded to tell them that I had already purchased the car in XXXX. The person I spoke with seemed confused as to what was talking about. After few more calls pertaining to the same issue an employee who called said they will have upper management look into this matter and that someone would reach out to me. On XX/XX/XXXX my car was repossessed by ally bank. When I called them to see what was going on they stated that they refunded me the money on XX/XX/XXXX which my ally online account did not reflect that statement. I stated that I had a notarized letter from them stating they hold no interest in the vehicle. The voice recording have of the conversation has the person stating that the letterwas sent a mistake and that they will not return the car which was paid for by the new lending institution. The person stated that they will not return the car. I contacted the redemption department to see how I could retrieve me car and they said I had {$0.00} balance which he never saw before. He said he escaladed the case to upper management that would contact me within 24 to 48 hours on XX/XX/XXXX. Monday XX/XX/XXXX came, and I didn't hearback from anyone. I called the redemption department on the XXXX and they stated they left a notation on the account to have management contact me. XXXX also stated that nothing would happen with the car because I was disputing the Repo. I received a call 30 minutes later stating that the car was sold and that there's nothing I could do to get the car back which I purchased on XX/XX/2022, with a new lender. He stated the Car was already sold to an auction house.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11756
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Payments were being made to ALLY financial for a 2015 XXXX XXXX. We had XXXX for two weeks which we didnt get paid for but we were still making payments to ally financial. Yet they saying we were behind & put delinquent on my credit report!!! THAT IS TOTALLY WRONG OF THEM & UNCALLED FOR!!! They were getting more than half of the amount needed of ONE payment. Called & harassed us for more money when we were making on time payments just not the full amount. Barely short. & this one only for ONE MONTH!!!!!!! This is ridiculous!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 703XX
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My rights to privacy were infringed upon pursuant to 1681 ( a ) ( 4 ) Also, I never have permissible purpose or written instruction 15usc 1681b ( a ) ( 2 )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39402
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A