Date Received: 2022-08-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: This is what I sent the bank. They have not responded helpfully by any other means and don't really show any interest in stopping this. I'd like to close that account and more importantly recover my money. Thank you. Hello, I'm sorry but I did not make these charges. I've blocked the card, it was thrown out because it wouldn't work for me. I reported some other charges already. What should I do? Is it to late to reverse these? It looks like someone else has is using my card, I think my info must've be sold online. Please cancel my accounts. ally account # - XXXX I didn't make any of these charges : XX/XX/2022 XXXX XXXX, XXXX- {$800.00} XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NV, XXXX - {$1800.00} XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV, XXXX - {$15.00} XX/XX/20XXXX XXXX XXXX XXXX XXXX, NV, XXXX - {$140.00} XX/XX/20XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV, XXXX - {$2200.00} XX/XX/2022 XXXX 'S # XXXX XXXX XXXX XXXXXXXX, NV, XXXX - {$43.00} Thank you. Best, XXXX XXXX I was scammed somehow I do not know how. It's no one I know. I haven't given my pin or card or anything other than normal shopping but nothing so expensive.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2022-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On the morning of XX/XX/2022, I was notified via text that my Ally Bank debit card may have been used in a fraudulent transaction. When I attempted to call into Ally Bank to dispute the charge, I was told it was a nearly 2 hour wait, which is very abnormal because Ally usually has very low wait times. After doing some research, it seems like many users of Ally Bank debit cards experienced similar cases of fraudulent transactions on their Ally debit cards over the past week or so. ( I found many similar cases on XXXX at XXXX ). It appears that Ally Bank has had some kind of hack or data leak take place for so many Debit Card uses to suddenly experience fraudulent charges in such a short period of time. It also seems like this issue has been going on for many days and Ally has not yet made a statement. I think this is to protect their stakeholders while they continue to leave customers in the lurch.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85017
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Ally Bank is not providing me with a legible copy of a processed and cleared check for {$2700.00} that was issued by them on my behalf through their bill pay service. The payee claims to have never received the check. The check was sent on XX/XX/XXXX and cleared on XX/XX/XXXX. I have requested a copy of the cleared check with an endorsement and banking information of the bank that cashed/deposited it but they have sent me two copies of a check with none of this information. As I stated before the payee claims to have not received this check. Ive spoken to at least six customer support agents and chatted with at least that many in the last two months and keep getting the run around or told the matter is resolved when it is not. Hoping for some resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11218
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XX/XX/2022. {$100.00} unauthorized charge. I immediately called Ally and the hold times were very long. They finally allowed me to cancel and get a new debit card and file a dispute for the charge. It is now XX/XX/XXXX and I have heard nothing and am still missing my {$100.00}. And it looks like many other Ally customers are being charged as well. Where is the statement that they are aware of the issue and doing something?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Account was charged {$97.00} late on XX/XX/XXXX, this put my account into the red. I called on the XXXX, customer service was unable to dispute the charge at the time and was unable to set up fraud alerts on my account ( which I had never turned off ). On the XXXX I was able to lock my card & file a dispute on the card through Allys website. In this time I never once lost my card or disclosed my PIN.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23464
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XX/XX/XXXX - unauthorized transaction on my account for {$110.00} using a debit card that had never left my apartment. I immediately attempted to cancel the card but there is no way to do this without calling Ally Bank. After waiting over 90 minutes to speak with a representative, they cancelled the card while also letting me know that there were multiple other pending charges that had been declined from that same night. Two days later on XXXX XXXX another charge was attempted on that card. After another 60 minutes on hold, the representative informed me that the other charges were pending, not declined, and I may have to separately dispute them after they post. This is still on a debit card that had never been used. Ally Bank has made no statement as to how debit card information is being accessed for fraud purposes and their inabilty to manage this is a problem for all their customers.
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: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Starting XX/XX/2022, 3 fraudulent charges occurred on my Ally Bank debit card. The first was charged, the second and third were declined by Ally bank. My debit card was in my possession the entire time, and no other person than me had access to it. I did not authorize any of these transactions. My password, PIN, and associated email address and phone number are all secure to my knowledge. Fraudulent Charges XX/XX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The second and third charge were declined, and I was sent a text message from what claimed to be an Ally bank source alerting me of potentially fraudulent activity and to decline or allow it. I declined and Ally initiated a phone call with their 'fraud services. ' They never answered the phone, and hung up after a period of holding. Calling the line back several times, I had the same result each time. After researching online, this fraud is widespread to anyone with a debit card at Ally bank, and wait times for the phone lines are extremely long with no resolutions in sight anyways. I have locked my card, disputed the first transaction which was charged, and will wait for a proper response from the company. The bank so far has not responded to my dispute with the first charge, and has not made any official statement about this widespread fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21218
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act Ally 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 an account without my written instructions. Also, Ally alleged that I had one late payment out of 75 payments. However they : Reported alleged late payment to XXXX for XX/XX/XXXX for {$590.00}. They reported the same alleged late payment to XXXX for XX/XX/XXXX for {$590.00}. They reported the same alleged late payment to XXXX for XX/XX/XXXX for {$590.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75216
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On my credit report on ( XX/XX/2022 ) states that my car note went up {$190.00} dollars! Ive contacted Ally Finance and they said that they dont see anything on my profile stating the increase. Ive been paying the same amount since I financed the car nothing has changed!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30311
Submitted Via: Web
Date Sent: 2022-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I AM A VICTIM OF IDENTITY THEFT AND THE ACCOUNTS LISTED ON MY C.F.P.B REPORT DOESN'T BELONG TO ME
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91606
Submitted Via: Web
Date Sent: 2022-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A