Date Received: 2022-08-23
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 made a prior complaint in XX/XX/2022 regarding receiving a refund for the overpayment on my payoff and the refund for my GAP insurance. The company reported to you in XXXX that all of the refunds had been processed with the GAP being sent out on XX/XX/XXXX. You closed the complaint. While I have received the overpayment refund, I have yet to receive the GAP insurance refund despite calling over and over and getting a different story every time. I just want my money back and for Ally to stop these predatory practices. If they are unwilling or unable to perform their end of loan duties, why are they in business. I would never get another loan through them based upon this experience
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: XXXXX
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: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Im XXXX XXXX and am declaring that i am a first-hand witness to the facts of this offence. Im aware that Ally Bank/ Ally Financial continues to violate me and my consumer rights and protections provided by the federal government. Ally Bank/ Ally Financial is responsible for having my vehicle illegally repossessed without any type of writ, warrant, or other type of judgment or order against me. Ally Bank/ Ally Financial is using coercive tactics in order to obtain payment when again the alleged debt has never been verified under the penalties of perjury. Ally financial/ Ally Bank has envoked the Fair Debt Collections Practices Act and is accusing me of owing an alleged debt that has never been verified under the penalties of perjury and by and through their actions is resulting in substantial harm against me. Ally Bank/ Ally Financial actions has also resulted in gross negligence due to this company repeatedly sharing my personal and private information invoking the XXXX XXXX baily act and and the privacy act of 1974 and never having my direct consent to do so. these actions are harming me substantially. Ally Bank/ Ally Financial has severely ruined my reputation by reporting my personal and private information to private entities namely Credit Reporting Agencies and never gave me proper disclosures before furnishing my private information Ally Bank/ Ally Financial has committed and continues to commit several crimes under title 18 including but not limited to bankruptcy fraud, false claims under the bankruptcy code, extortion, aggravated identity theft, theft, mail fraud, conversion, embezzlement among other crimes. Ally Bank/ Ally Financial is BREAKING THE LAW
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11413
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I did not apply for financing through XXXX XXXX. This was done without my permission and authorization. Please see attached document.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 403XX
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2022 a fraud charge of {$71.00} posted to my Ally Bank checking account under the following name XXXX XXXX XXXXXXXX XXXX XXXX. I contacted Ally Bank about this charge and they issued a new debit card, but I have not yet received a reimbursement for {$71.00}. It seems that across social media, many Ally Bank customers are complaining of similar fraudulent charges and Ally Bank has not announced the degree to which there was a breach. As customers, we deserve to know what is going on with our money and quickly receive reimbursements for fraud charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 815XX
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have tried repeatedly, in every which way, phone calls, letters, emails, texts, to close my CD account with Ally Bank at maturation which is XX/XX/22. They keep asking me to jump through hoops and then tell me they can't give me MY money!!!! I waited an hour on the phone to speak to a rep, he said I'd get am email asking for my id. It never came. A week goes by, no word, so I sent a letter. A letter, return receipt, with a copy of my id. I get a phone call after a couple of weeks. Time is of the essence here. I began a month before my CD matures. Now it has matured and the woman on THIS phone call tells me she can't send me a text so she can't help me. I do NOT want automatic renewal and I made that clear in every way possible. I WANT MY MONEY! THEY ARE TRYING TO STEAL MY MONEY Last woman I spoke with is XXXX XXXX XXXX. SHE can't send a text so I get robbed?! Uh... nope. I WANT MY MONEY NOW!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97224
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On Saturday, XX/XX/XXXX, I noticed several transactions in my checking account that were not my own. These transaction occurred on XX/XX/XXXX all were listed as " CA MODE XXXX, CA, XXXX '' and ranged in amounts of the following : {$32.00} ; {$69.00} ; {$95.00} ; {$120.00} ; {$160.00} for a total of {$480.00}. I was not alerted that these transactions had occurred even though I only use my debit card for ATM withdrawals. I called and had a long wait and an even longer process of making a formal transaction dispute for each transaction. I was told I would receive a summary email and new debit card shortly. I have not received either of these things. When I call Ally Bank, the wait time exceeds an hour and eventually, the system hangs up on me. I have not been credited the amount taken from me while Ally Bank makes an investigation into my dispute. I have since learned that this a widespread issue specifically with Ally Bank debit cards and they have not alerted their customers to take the necessary precautions. They have remained silent when their warnings could have prevented many people from being needlessly scammed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: This past week Ally Bank seems to have been hit with a string of fraudulent activity as there is significant activity on the internet users are calling out specifically ally. My account with ally is one of those impacted by fraudulent charges from XXXX XXXX XXXX and XXXX XXXX. Requested to chat with a customer service agent who 14 hours later at XXXX ( while I was sleeping ) finally responded with unhelpful information. Trying to get ahold of someone to discuss this fraudulent activity is absolutely painful and ally has been radio silence. Ally YOU need to be more proactive around these efforts and transparent, this is killer to any aspect of trust I have with you and my financial future.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 014XX
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: For roughly the past 6 months my debit cards have been compromised and ally refused to tell me they were compromised. They led me to believe these charges were harmless and posed no risk to my account, it turns out that all of their cards are compromised and I am now worried about my debit card. Most recently I had fraudulent charges attempted on a closed debit card on XXXX. Ive contacted them about 10 times and could never get a straight forward answer about why my debit card was not working properly. My debit card was randomly marking valid transactions as fraud preventing me from accessing my money, this occurred in XXXX. To summarize, my concerns are : -dishonestly around fraud and compromised accounts -thieves accessing locked down cards -debit card control feature not working, creating false security -ally bank disabling my fraud alerts after misleading me to believe their system was not compromised -ally flagging my transactions in XXXX preventing me from using my card -a XXXX fraud charge attempted, which I dont believe they emailed me and I lost the text. -inability to reach customer support and get information from them Things appear to be ok right now but Im afraid my money will be stolen
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My XXXX XXXX Access has been blocked by Ally Bank and I have $ XXXX in my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85023
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Two unauthorized charges were posted today, XX/XX/2022 on my bank account -- one for {$5.00} and one for {$100.00}. I was first notified of the charges on Saturday, XX/XX/202. Ally texted my alternative phone number first before notifying me and then proceeding to notify me through my email and my primary phone that a fraudulent/suspicious charge was on my account. They were incorrect in the text messages saying that {$100.00} was charged, and it was actually {$100.00}. The text message notifying me also was vague and unclear as it stated " Reply YES or NO to authorize '' implying that if you texted yes or no, it would authorize the transactions. I replied with " No '' in the sense, that I did not want to authorize any transactions. Immediately after I sent that, another message sent stating that I'd receive a call from a fraud specialist. I received a call on Sunday, XX/XX/2022, however I never got in touch with a real person and was put on hold. After about 10 minutes, the automated call stated that there were no specialists available and hung up. I filed disputes and have not heard back. I am disappointed with the bank since I have been a customer of 8 years. Their dispute questions also seemed like leading questions to frame that maybe it was someone I knew or a company that I had paid before from my bank which is not true.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53590
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A