Date Received: 2022-08-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My partner and I received multiple fraudulent charge notifications from Ally regarding debit card purchases from our joint checking account. I contacted Ally Bank to close down the card in question but continued to receive notifications. I disputed these charges and they reimbursed me. Then, today XX/XX/22, my partner and I receive the same notifications. We log on to see fraudulent charges and despite attempting to contact Ally over 5 times with holding on the phone over 45 minutes multiple times I have not been able to reach anybody. The debit card in question has never been activated or used. It's never even left the safe location we keep it in within the house. It seems like there is a major data breach that Ally Bank is not sharing with it's vulnerable customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
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 credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complain, and I'm including it again. ALLY FINANCIAL XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33065
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: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: Upon receiving a text message to come to XXXX XXXX and inquire about XXXX XXXX XXXX. I went to the dealership and advised that this would be a Consumer Credit Transaction per 15 U.S.C. 1679 ( a ) Which states " ANY transaction in which credit is offered or extended to and individual for personal, family, or household purposes '' I Let the rep know I did not mind extending my credit to secure and instrument via text we set up an appointment for XX/XX/XXXX at XXXX They ran my credit and I was denied. I informed the finance manager that according to 15 U.S.C 1681 ( B ) a consumer can not be denied and extension of their own credit. I called the banks that I was told denied me which was Ally Financial, XXXX XXXX and XXXX XXXX. I was told XXXX XXXX is an AI and federal Law does not apply to AI. And the other two banks sent me in a runaround, hung-up on and was rude. From my understanding when you put in an application that's what pays for the car because it is a Process, which technically is considered a cash proceed. I advised that multiple people that my federal rights was being violated and everyone ignored me and didn't even bother to look up the code. From my understanding Per 15 U S.C. 1611 criminal liability for willful and knowing violation because this information is public information it is not my fault they do not know this. Also advised that per 15 U.S.C 1679 ( a ) when " when used in connection with information on ANY consumer means all information on that consumer recorded and retained by a consumer reporting agency regardless of how the Information Is stored. I am seeking remedy for this unfortunate situation, Once again I am a consumer and I went to extend my credit which they offered me to extend by asked if I needed a vehicle and offered a test drive that I never got via text message. And they still denied me. Per 15 U S.C 1601 Congress finds that economic stability would be enhanced and the competition among the various financial institutions and other fines engage in the extension of consumer credit would be strengthened by the informed use of credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46201
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX, we ( fianc and I ) placed a {$15000.00} check in a USPS XXXX XXXX XXXX On XX/XX/XXXX, the check was fraudulently deposited by a person named " XXXXXXXX XXXX, '' rather than the Pay To we wrote of " XXXX XXXX XXXX. '' There is visible white out over the original Pay To line. We noticed the fraud a few days after XX/XX/XXXX and contacted Ally Bank, our banking institution, who reviewed our fraud claim and agreed there had been fraud. They helped us file an affidavit with XXXX XXXX XXXXXXXX, the depositing bank, communicating the fraud and request a return of funds. As of XX/XX/XXXX, we have not had any funds returned, permanently or even temporarily. Ally has not given any indication of timing, and XXXX XXXX XXXX ( for sensible reasons ) refuses to correspond with us given we are not customers of the bank. We are completely in the dark about when, if ever, the money will be returned despite all indications this is an obvious fraud covered under the protections of CFPB Reg E. These are funds for our wedding, which is occurring XX/XX/XXXX, that need to be paid to the wedding venue or our event will be cancelled. We need the funds returned immediately, and the interim, need to know over what timeline we should expect resonation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I had reached out on numerous separate occasions asking for a deferment. Each and every time they told me there is nothing they can do I was denied. I told them constantly i can not do it right now. My wife is not working, she has no income. She is fighting with her last job while having a claim in with the state to retrieve her funds that they never released. She is not able to collect unemployment until that is resolved so has no income. It is only mine and I can not afford all the bills by myself. I asked them repeatedly for a XXXX month deferment and they refused to work with me and instead and have no reported me payment as late to the credit bureaus. I have made payments to them and also told them when I got paid again I would pay the month up to date. To them that still was not good enough and would not cut me a break for just XXXX month when during the last several months my wife and I had both lost hours at work prior to this due to some of the covid spikes plus her occupation is not back all the way yet due to being a teacher so has been trying to find things to fill in here and there and they still just keep turning me away. I had to go to a debt program for my credit cards because it all got to be to much with inflation and companies refusing to offer assistance on top of trying to keep my house for my XXXX children. Not to mention the car was involved in a hit and run that now is in the auto shop that I somehow have to come up with money to pay for a deductible when somebody smashed the XXXX side completely up and then left the scene and the cops did nothing about that either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I drove a XXXX, and was almost a fatal The car was totaled in XXXX I paid my XXXX $ deductible and my insurance XXXX didnt pay my creditor Ally financial They didnt pay them, because they havent receive any power of attorney signed and notarized by me and send to them They never told me anything about the power of attorney nor called me For me the case was closed I went to buy a car, I was prequalified, and didnt get approved, because of my bed credit score due to Ally financial that declare that I was delinquent in payment and have XXXX $ debts I dont have any debts nor delinquency I paid my deductible and my insurance and creditor didnt do their job I cant buy a car no rent nor anything Please take care of this injustice They destroyed my life I beg you help me I need a place to live and a car to go to my work
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: XX/XX/XXXX I went up to XXXX XXXX to get a vehicle that was advertised for {$24000.00} on their website because I needed a vehicle for work that had to meet specific criteria. I met with the salesman and decided to pursue the vehicle and was then taken to the finance department. I left with the car that evening without signing any paperwork because the finance manager stated that he would be working on getting me a better deal than what was being presented and stated that he would contact me the following day to close the deal. He printed off a 60 temporary tag and I left with the car that evening. On XX/XX/XXXX I contacted XXXX XXXX in regards to the closing of the vehicle after not hearing back from him and we scheduled to meet the following morning to complete the documents for the car. As we were going through the fees, disclosures, and warranties, I questioned the manager about the price of the car and the advertisement and he stated that the {$24000.00} was the lowest price but it could go up from there. I even requested the best warranty on the vehicle because it was a $ 25 month difference but was denied by the manager because he stated Ally would not finance a higher payment than {$690.00}. I informed him that my payments should be lower but he insisted that this was the best payment he could obtain for me. I questioned the manager and asked the total of the vehicle after all the add-ons and was informed the total was {$28000.00} which was a true bait and switch from what was being advertised. I was baffled because I had a better credit score and Ally Bank is the company who financed my first vehicle. I also felt obligated because I had the car for over 4 days by that time. My XXXX XXXX was much better this time and my first car was almost paid off. I signed the closing documents with all the add-ons for {$28000.00}. I was informed that my paperwork would arrive in the mail in 30 days. I received the Certificate of Title and Application For Missouri XXXX and License from XXXX XXXXXXXX for {$28000.00} as greed. The only documentation from Ally Financial that was received were denial letters. When I logged into my online Ally account to make the initial payment, after 60 days, the original price of the car had risen to {$35000.00}. I made the initial {$690.00} payment but I reached out to Ally Financial via email and informed them of the situation on XX/XX/XXXX and they responded stating they were not involved in the pricing and negotiation nor did they acknowledge the situation. On XX/XX/XXXX the salesman from XXXX XXXX contacted me for a referral and I informed him of the spike in the price of the car sold to me. He stated he would pass my information along and someone would contact me back regarding this matter. I have not heard from any representative regarding this fraud. On XX/XX/XXXX, the CEO of Ally Financial received the notice of the situation ( tracking XXXX ) On XX/XX/XXXX, I requested Ally Financial to send me the documents that were associated with the financing of my car and their response was for me to call them regarding the matter of the situation. They have since then turned off the email correspondence and are trying to force me to call them when I initially requested written correspondences. They seem to have a conflict of interest and their hands are unclean in this matter as well. I continue to receive collection attempts and credit reports with no actions or acknowledgement of the illegal fees, charges, and contract alteration. The car was sold for over {$11000.00} than what was advertised for which it now has an interest rate of 12.74 % on a 75 months term. I did not agree or consent to this contract and both XXXX XXXX and Ally Financial are harming me in this situation, which may be race related illegal actions. XXXX XXXX financial manager had a deceitful sales tactic by conditioning me to accept the monthly payments based on fraudulent material alteration of the contract. The net price of the car should have been {$24000.00} and {$28000.00} total. He stated that no one wanted to finance me other than Ally but he did not reveal that he was requesting almost {$12000.00} over the advertised price. My options were limited because of his greed to sell the car at a higher price than agreed upon and Ally XXXX are involved and/or turning a XXXX eye to this serious matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 640XX
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I reviewed my consumer credit report and I noticed an unauthorized inquiries. I reached out to XXXX via phone to get these fraudulent inquires removed and they were no help advised me that I needed to get a letter and basically permission from the " data furnisher '' before they would remove any inquiry, but they are being reported without my permission or consent. The following are inquires that are reporting fraudulently to my XXXX credit report ALLYFINANC XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 I did not give my consent for these inquires to be done and demand they be deleted as soon as possible since I have no been able to receive any help directly from the credit reporting ageny.
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: 2022-08-18
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: I have financial dealings with Ally Bank. On XX/XX/XXXX there was a {$10.00} fraudulent withdrawal from my checking account. The amount was not significant, but it prohibited deposits to that account ; it seems that my card had been cloned. I disputed the charge. Ally did not respond and I sent a secure message to them. Their wait times for telephone contact are over One Hour ; their Chat fea ture has repeatedly informed me that my " session has expired '' ( this was months ago ) and complaints made by me were never successfully addressed. I have hundreds of thousands of dollars with this bank and being unable to contact them to order a new debit card for my convenient checking account is beyond comprehension. The charge in question is this : XXXX XXXX XXXX XXXX, TX, XXXX - {$10.00} - {$6.00} XX/XX/XXXX I have no idea who this is ; there is no information on search engines, and Ally has not responded since I disputed the charge on XX/XX/XXXX. For whatever reason, Ally 's 24/7/365 phone contact is now HOURS of waiting, and the fact that I am unable to CHAT with them and have never been able to resolve that issue, I am reduced to filing this complaint. In order to change a PIN and/or order a replacement card, one has to CALL them. Even secure messaging is unacceptable according to them. Other than waiting hours for phone contact, I am given no reasonable option. XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33709
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: Fraud or scam
Subissue:
Consumer Complaint: I was scammed on XXXX through a XXXX XXXX group. Someone put up equipment for sale, which I sought to purchase. I had purchased gear through this group before without issue. I worked with the person on XXXX, and once they got half the payment, they sent me a bogus tracking number which did not work and then disappeared off XXXX. I reported this to the bank twice, and both times they denyed me. Then I worked with their " Executive Customer Relations '' and sent them the chats with the person and the bogus tracking number to prove I was scammed. Their response was : Unfortunately, neither Ally Bank nor XXXX is liable for any typos or keystroke errors that you may make when using XXXX, which appears to be the case in your concern. Further, subject to our obligations under applicable laws and regulations, you agree that you, not Ally Bank or XXXX, are responsible for resolving any payment or other disputes that you have with any other user with whom you send money to, or receive or request money from, using XXXX. Additional information about XXXX can be found on pages 11 through 28 of our Online Banking Services Agreement. I have no way of working through a dispute as it was a scam, and there is no one to work through it with. I am appalled that this bank is one of the banks that takes no liability for the fraud that happened using their systems.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02155
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A