Date Received: 2022-08-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I keep getting turned down for credit that I did not apply for and some letters say they can't confirm my identity. I didn't apply.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21228
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: During the last 6 months, we have had several problems with Ally Financial paying back this loan and tried to send a letter in the beginning of XX/XX/2022 to explain the situation, as some of it was largely due to XXXX reasons and being incapable of making the payment and was also trying to use their phone system with our card but was not successful and needed forbearance. Since XX/XX/XXXX, I had the XXXXXXXX XXXX of XXXX and was XXXX and was unable to do anything, and was in XXXX at the time so treatment was limited. This was also followed by a XXXX XXXX where I had XXXX XXXX with about XXXXXXXX XXXX on around XX/XX/XXXX through the month of XXXX and XXXX and was recovering. I have documentations of this as well During the brief time I was able to speak and try and check the situation, I tried giving Ally bank my credit card and they were unable to process it. I repeated it several times and and they wouldn't let me pay with that card. Then, the exact same thing happened with the debit card when I said it to them over the phone and they couldn't process it. I even tried in XXXX to apply for another credit card and when I was able to get into the online system ( which ALSO I had to call to get into, because it wouldn't let me log in or reset my password for awhile ) I was able to turn on auto pay after making my first payment over the phone earlier that day ( mid XXXX I believe it was ). Another issue I had was back in XXXX ( towards the end of the month around the XXXX ) I had turned on auto payments on the website and connected it with the bank but it clearly wasn't working I'm not sure what exactly happened. I'm not sure what late fees were imposed but they only waived {$10.00} as a result of this in XXXX and we have paid our payments for the last 2 months and are making every single payment on time and are caught up on our payments and are willing and able to do what's necessary to remove these late payments and have a good relationship with this bank. I've been a customer for 5+ years with them. I will pay whatever is necessary to remove these late payments and do whatever is necessary. I also paid in full once I was out of the XXXX and made consistent payments on time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08080
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Ally bank refuses to transfer my money from the Ally savings account to my checking account. Even though, the checking account has been properly linked, their website does not allow me to initiate the transfer. Ally Bank refuses to service their customers with outrages wait times that nobody can afford. Ally Bank advertised to be easy to use, and available 24/7. This is false statement. They take money and then abuse their customer with hourlong wait times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30030
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: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: PREDATORY LENDING ALLY FINANCIAL Ally Financial XXXX XXXX XXXX XXXX, MN XXXX On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX for {$45000.00} with a down payment of {$29000.00} and was financed by Ally Auto for {$25000.00}. My payments were {$480.00} a month. From XXXX XXXX I made either above or {$500.00} a month. The over amount I made equaled 4 months of payments. I was unaware the payments were being made to the interest and not to my monthly payments. In XXXX and early XXXX of XXXX, I was hit twice in 2 separate accidents ( neither were deemed my fault ) The car was in the body shop until XXXX XXXX. I also contacted XXXX early XXXX then my Husband and daughter also got XXXX, so I was home out of work either XXXX myself then caring for my family then in quarantine. I was unable to make my payments during this time but since I had overpaid every single month, I thought I was ahead of what I owed. At this time my loan had gone down to {$23000.00} in only 8 months. I also sent in 2 emails via the online dashboard where I make my payments. In XXXX I attempted to make a payment but since it was less than they said I owed at the time they didnt accept it. I also attempted to call in to Ally and found out a month later my number was either blocked or always sent to a loop of holds then would hang up. I also attempted to call in to Ally and found out a month later my number was either blocked or always sent to a loop of holds then would hang up. My car was in a body shop and finally fixed on XX/XX/XXXX, I paid the {$3000.00} my insurance didnt cover, and I took the car home. On XX/XX/XXXX it was repossessed by Ally. My car was taken from my apartment complex behind a gated community with no security guard and no permission from my apartment main office to enter. The company is on camera and with an eye witness as to have followed another tenant into the complex. Per California law : The agency that repossessed your car must give you a Notice of Seizure within 48 hours of repossession. Contact information for the agency that repossessed your car and for your car loan lender ( the legal owner ) must be included on the notice. The repossession agency must also give you a list ( inventory ) of the personal property that was in your car. Personal property will include items such as car seats, cell phones, and school books, but it wont include car upgrades, such as new rims or an upgraded stereo. Upgrades that you made to the car that are affixed to the car wont be returned separately from the car. You will have 60 days to collect your personal effects. After 60 days, the personal property you left in the car can be sold. If youre present when the car is being repossessed, you can ask to collect your personal items from the car before its towed. Youll also get a notice telling you what you can do to have the car returned to you. This usually means making a payment in full. I received none of these notices and to this day do not know where my car was taken and was never told how to get my stuff back. I had {$4500.00} worth of items in my car. When I called Ally about my car, I was told I had to call back in 48 hours for info on the car. I was told the price to get my car back was over {$30000.00}!!! While I waited for the written notice from ally regarding my repo which I never got, I attempted to locate the tow company and was denied all info regarding this. On XX/XX/XXXX I was told over the phone I had to call from my daughters phone to even get through as they had my # blocked for months. I was told I could not reinstate my loan and had to pay the full amount of {$23000.00}. I had put down XXXX cash for this car The value of the car was XXXX And I only owed XXXX after they got XXXX more from me in payments plus a XXXX warranty package I paid cash for and was never reimbursed after the repo. This bank took full advantage and knew the high value of this car and I believe I am a victim of predatory lending. It gets worse two weeks ago the car was sold ( I received no notice of this ) I only found out when I checked my online dashboard and say the balance owed was XXXX. So I call in ( using my daughters phone ) on XX/XX/XXXX and was told the car sold for XXXX and my new balance as of the online dashboard was XXXX and they had no intention of sending me a check for the balance they owe me of over {$6000.00} and I had to wait for a check they are probably never sending. This is 100 % fraud, and I have been taken advantage of and this bank needs to pay me for what they owe me plus my belongings in addition to all payments made and my original XXXX down because they illegally repossessed the car and didnt allow me any of the California protected consumer protections to reinstate my loan. I am going to file against this company for predatory lending and illegal repo. I have made complaints with the attorney generals office XXXX XXXX Attorney General Office of the Attorney General XXXX XXXX XXXX XXXX, CA XXXX and the CFPB XXXX XXXX XXXX and DCA DIVISION OF INVESTIGATION HEADQUARTERS XXXX XXXX XXXX XXXX XXXX, CA XXXX AND BUREAU OF SECURITY AND INVESTIGATIVE SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and Department of Consumer Affairs California
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92505
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I initiated an online transfer on the Ally Bank mobile app. This transfer moved $ XXXX from my XXXX XXXX savings account to my Ally Bank savings account. Both accounts are titled in the name of our XXXX XXXX, and my wife and I are both Trustees and authorized signers on both as well. The funds were available funds at XXXX XXXX and correctly arrived at Ally Bank on XX/XX/2022. Per Ally Bank 's tracker, they should have been in my account by XX/XX/2022 at latest. However, it is now XX/XX/2022 and the funds are not even in my current balance. Furthermore, Ally has deleted any record of the funds in the transaction history. The funds are clearly shown leaving my XXXX XXXX account and have not returned. I can definitely get tracking information from XXXX XXXX if Ally tries to lie about this situation and say the funds never arrived. When I have talked to customer service reps ( and Ally 's customer service is horrible; and it takes over 2 hours for someone to talk with a caller ), they have said that the funds were transferred to their Loss Prevention Department. However, there shouldn't have been any such issue because the funds were available and I am an authorized signer on both accounts. I even sent Ally a copy of the XXXX XXXX statement to show that funds were available and the titling of both accounts is the same. I have had at least 4 conversations with Ally reps and have waited on hold for over 6 combined hours. How crazy is that?? In 30+ years of working with various banks, I have never had such a ridiculous experience. I want my money ( which I'm sure you can understand )! Given the delays, I feel it's time to get the CFPB involved. I am a U.S. Citizen, have never been charged or convicted of a crime, have a high credit score, and have always properly conducted my banking business. There is absolutely no reason to be treating me in this manner. Thank you for your help and advocacy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60193
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: XX/XX/XXXX was my settlement date for {$2800.00}. Between XX/XX/2022 and XX/XX/XXXX I spoke with a representative of XXXX XXXX about extending the timeframe of my settlement date because I had not recieved my taxes. The representative stated that since there had been a lot of tax issues this year that it would be okay as long as I continued to make my monthly payments. I stated to the representative that I would up my monthly payments to {$200.00} a month instead of {$100.00}. The representative AGREED and stated that when my taxes deposit to give a call back ( these calls are recorded and I would like them listened to ). As you can see here in these documents I continued making my monthly payments until the month of XXXX. XX/XX/2022 I called to make my usual monthly payment and was told I my account was locked due to a new law that was put in placed. I was advised to call the week after to resume payment. I called multiple times until I got a XXXX XXXX who explained to me that Ally Financial had placed a hold on my payments because they were not satisfied with the settlement amount. She stated that none of this was my fault and that I would gain no extra interest charges and would still be able to continue the same monthly payments. She stated that she would contact me with further assistance once they had everything taken care of and that my balance was down to XXXX dollars. In XXXX, XXXX I recieved a call from XXXX XXXX XXXX, saying that I was deliquent on my payment since XX/XX/2022 and that I owed XXXX dollars. I stopped them and explained to them what had happened and told them that I have a settlement contract and they said thats something they cant uphold. I contacted Ally Financial and they stated how they took my debt and gave it to another creditor because they didnt like the settlement amount. When I asked to speak with a manager and be mailed the breakdown of what my car was sold for I was constantly transferred and hung up on. Ally also stated that I did not comply with the terms of the settlement. When infact I was given the okay by XXXX for a date extension. ( Which is stated in a recorded phone call ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85302
Submitted Via: Web
Date Sent: 2022-08-24
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: As of XX/XX/22 6 separate charge under {$100.00} each, from two different companies in two different states ( one in KY, one in WA ; both are states not visited recently, nor services bought previously ) showed up on my account Based on a quick internet search I'm not alone as hundreds, if not thousands of others are facing the same scenario. The debit card for this account is not used for any transactions, so this makes the charges that much more concerning. Wait times on the phone are around an hour and online chat wait times are +4 hours. As no public statement has been made, I'm reporting the firm for not stopping the charges nor addressing the massive, apparent data breach.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: XXXX XXXX offered financing through Ally Bank in the amount of {$2500.00} for 4 sessions of XXXX within a 6 month period. After filling out an interest form online on XX/XX/2022, I received a phone call and virtual consultation within minutes. A brief description of services and the contract was given before scheduling my sessions for XXXX and XXXX. I was informed that I would not be binded to the agreement should any medical conditions deem me an inappropriate candidate for the XXXX services. Two weeks after my consultation, my partner and I decided that we would start family planning. My need and ability to receive XXXX changed. I called to cancel my loan with Ally bank in XXXX and cancelled my XXXX appointments. Ally Bank agreed to cancel the loan and informed me that I would receive notification in the mail. Over the next few months, I would continue to receive past due notices from Ally Bank. In XXXX, I inquired with Ally Bank as to why the notices were continuing despite cancellation. Ally Bank initiated a dispute with XXXX XXXX. XXXX XXXX contacted me in regard to the dispute and stated that they could not refund Ally Bank therefore forcing me into a loan agreement for services I have not and can not receive. Per XXXX XXXX contract, " XXXX services are not recommended for : ( a ) Any female who is pregnant, may become pregnant, or is lactating ; ''. XXXX XXXX states that " 4. [ Ideal Image ] may also terminate the Agreement at any time and for any reason and [ they ] will then refund you if [ their ] medical director in his/her sole discretion determines that you are not an appropriate candidate to receive treatment services as follows : 1 ) If treatment services have not yet been performed, you will receive a full refund in the amount of the total service fee price received, less {$100.00} ; '' Despite not being an " appropriate candidate to receive treatment '' as a " female who is pregnant, may become pregnant, or is lactating : '', and the agreement of Ally Bank to cancel my loan for services not rendered, Ideal Image has refused to refund Ally Bank and hinders the cancellation of the loan. In addition, XXXX XXXX image is unable to provide the services within the stated service agreement timeframe of 6 months due to my ineligibility per the agreement. The loan is reflecting over 90 days past due and will negatively affect my credit standing for services that I am ineligible to receive for a service agreement that XXXX XXXX is unable to provide per that contracted terms.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21136
Submitted Via: Web
Date Sent: 2022-09-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: XXXX of XX/XX/XXXX I asked for help with car payment XXXX parent, XXXX And I am looking to rescind my contract I noticed billing errors Extremely high monthly notes And I was denied threaten to have my vehicle repossessed Until something is paid Over charged with random fees just to obtain a vehicle Paint protection fees {$890.00} XXXX XXXX {$890.00} Down payment was required and accepted 15 usc 1605- 1635 all codes broken XXXX XXXX XXXX miles XXXX XXXX {$500.00} down payment
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95829
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, I deposited a check for {$5300.00} from a public adjuster in Maryland into a joint checking account using Ally 's mobile app. I saw on the website that the money had been deposited. On XX/XX/XXXX, I was reviewing recent transactions and noticed that these funds had been removed from our account on XX/XX/XXXX, and we were charged a fee. I assumed the check bounced, but the person who wrote the check confirmed it shouldn't have, so I called Ally. I sat on hold for 45 minutes and was put through to a loss prevention specialist. He said the check was being investigated, but rather than put a hold on that transaction, they locked our entire account down for up to 30 days. When asked how we were supposed to pay our bills, he said we should ask our friends to loan us money. He refused to give any information, such as a direct phone number or case number, so that we could follow up. We asked to speak to his supervisor, but he said that his supervisor XXXX had already left for the day but that we could leave a voice mail. We did, and it has now been an entire week without being able to access our funds or get in contact with anyone at Ally that can help us.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20743
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A