Date Received: 2022-08-27
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: This issue started in XXXX or XX/XX/2022. I have had several vehicles through Ally, and they told me they would work with me after a Covid/School Shooting Layoff. I was offered a two month extension and it turns out the employee was speaking out of turn. I filed a complaint, and was reached out to by a representative from the Executive Relations Dept.. We played some phone tag, and she left a voicemail informing me they awarded the two month furlough until I was back in school. She said there was no reason to call back. Of course I did, and was not called back myself. I have not received a SINGLE phone call since XXXX or XXXX about delinquency. Each time I try to call I am disconnected or rerouted and never called back. Today the car was repossessed and I was charged {$2300.00} to have it returned. That was literally all of my school loan. I am so sick of being taken advantage of as a long time ( and never again ) customer. I need someone on my side, and would greatly appreciate working with someone who can help solve this. I am told the employee who confirmed that furlough is no longer with Ally. I will provide phone records if necessary.
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: 2022-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-27
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27284
Submitted Via: Web
Date Sent: 2022-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27105
Submitted Via: Web
Date Sent: 2022-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2022, I was notified via the Ally Bank mobile app that a large transaction totaling {$470.00} was made on my personal checking account via my debit card for an online purchase. I do not carry my debit cards and use them only for ATMs. When I'm not expressly going to an ATM, they're locked in a safe. Immediately I went into Ally 's mobile app and locked both of my debit cards. I called Ally and waited on the phone for approximately an hour and a half that evening to report the fraudulent charge. After reporting, I was told that an investigation would be opened into the charge and a resolution would be reached within 10 business days. New debit cards were sent. Following receipt of the new cards, fraudulent charges are still being attempted, but declined since I've locked the cards down in the mobile app. I reached out again via secure internal email on XX/XX/2022 for an update, but the message remains unanswered. I called again today, XX/XX/2022, XXXX business days later, to check in on the status of the funds being returned and found that the first representative had never actually initiated a dispute, so no action was taken. The representative I spoke with today, XXXX, has told me it's now disputed, however it'll take another 10 business days for a possible resolution, which was very frustrating. Ally could not tell me how the cards were compromised or how they continue to be hit with attempted transactions on the brand new cards, but judging from a look online, this is a recent widespread event impacting hundreds of people under the same circumstances with Ally.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27540
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX credit inquiry XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. XXXX XXXX credit inquiry XX/XX/XXXX I have no knowledge of this. I have never tried to get a mortgage of any kind. Called company and spoke with rep to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. XXXX XXXX XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. XXXX XXXX XXXX XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. XXXX XXXX XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. Ally Financial XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information. XXXX XXXX XXXX XX/XX/XXXX Called company and spoke with Fraud Dept to remove inquiry from my credit and it is still there. I did not try to open an account with them and none of the information they have matches my personal information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened an Ally checking account XX/XX/2022. I opened this account because I got an email saying I qualified for {$250.00} bonus when I opened one. I am on their mailing list because I have an auto loan through Ally Auto. I opened this account and made the qualifying deposit on XX/XX/2022. I was told by a customer representative that I would have my {$250.00} by XX/XX/2022. Here are her words exactly on XX/XX/2022 Hello this is XXXX! Thank you for messaging with me today, here at Ally Customer Care. I am showing your 1st qualified deposit was made on XX/XX/2022. According to the email that was sent out to you. I am showing it advies that bonuses will be paid within 30 calendar days after receiving the qualified direct deposits. I am showing that is XX/XX/2022. I asked today XX/XX/2022 and they told me they could not do anything if I didnt have the promotion code in the original email. This email has since been deleted and can not be recovered. I told them that I had emails saying I was signed up for the promotion and still they said there was nothing they could do. Even though they sent me the email and I have proof I signed up for this offer. This proof includes emails all the way up until XX/XX/2022 saying I am still enrolled under the promotion The last response I got was this. I do apologize for the inconvenience, but without the promotion code, we are unable to create the case. As our office is an inbound contact location, with a large number of security policies, we are unable to access any email system, but we are also unable to access the email account of the agent that sent the email to you. The only option would be to have the promotion code. This is a scam and I want this resolved. No telling how many other people signed up for this and never received their money.
Company Response:
State: TX
Zip: 790XX
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: To whom it may concern, Upon reviewing my Credit Report on XX/XX/2022 I noticed that for the month of XX/XX/2022 is reporting to be over 30 days late. I contacted the company Ally Financial and spoke with representative XXXX ( the representative would not provide a ID number. The representative reviewed my account and confirmed that there is no indication of my account ever being 30 days late. The company would not provide any information over the phone and will send a payment transaction via mail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19144
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Ally Bank is an online bank with no brick and mortar locations. The only way to get live customer service is their phone line. Seniors are hanging up and the most basic banking needs are not being fulfilled. Online banks need to be held to a higher level of access. Ally bank is failing their customers, please intervene. Wait to speak to an agent at Ally Bank : XX/XX/XXXX 1 hour 05 min XX/XX/XXXX 1 hour 34 min XX/XX/XXXX 1 hour 29 min XX/XX/XXXX 45 min XX/XX/XXXX 1 hour 23 min XX/XX/XXXX 49 minutes
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: 2 unauthorized transactions hit my checking account at XXXXXXXX XXXX on XX/XX/XXXX. I became aware on XX/XX/XXXX. XXXX XXXX XXXXXXXX, FL, XXXX {$110.00} XXXX XXXX XXXX XXXX XXXXXXXX, DE, USA {$200.00}. I notified Ally by phone twice on XX/XX/XXXX and used the chat feature on XX/XX/XXXX. After my first call, I used their chat when a confirmation email I requested never came and was told they had no record of my dispute. I used an online dispute on their website and called again to confirm I was disputing 2 charges. During my XXXX call, I was assured we were good to go. Online I only see 1 charge listed as disputed. I am not confident that Ally will investigate my ( 2 ) disputes and issue new debit cards. After a quick XXXX search, this looks like a widespread issue with Ally debit cards : XXXX XXXX XXXX XXXX? XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92065
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I am a customer of the Ally Bank. There were three separate charges made to my checking account. 1st was {$40.00}, the 2nd and 3rd were {$20.00} each. The charges were made on XX/XX/XXXX at the same time. I have reached out to their customer service line and they canceled my debit card and issued me a new one. They also filed a police report for me and had me dispute those transactions on their banking website.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84604
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A