Date Received: 2022-08-19
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have a checking account with Ally Bank and an associated debit card. There was a fraudulent {$1.00} charge on my debit card late on XX/XX/XXXX. I noticed it the morning of XX/XX/XXXX, called Ally, and they sent a replacement card. I got the new card XX/XX/XXXX. I had a fraudulent charge of {$160.00} on my new debit card today, XX/XX/XXXX. Wouldnt have noticed had Ally not already locked out my account. Waited on hold for customer service for 2 hours before having to hang up for biz. XXXX is loading up with similar Ally complaints. It appears theyve had a major breach
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 200XX
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: Over the last 3 months Ally Bank has repeatedly issued me debit cards that had fraudulent transactions against them before activation, or with minimal use and no disclosure of the card. I've spent about 3 hours total with them on the phone attempting to resolve these issues, the resolution being getting a new card issued, which then gets fraudulent charges on it before I have used, and this latest time, even received it. Why would I dare activate it on arrival if this problem is going to continue? I am currently out about {$160.00} while I wait for them to dismiss one of the charges that somehow triggered their fraud prevention but was approved anyway. I discussed that amount with an agent, who was very friendly, but didn't seem empowered to do anything to reverse it that I couldn't do on the website - she tried and it " didn't work '' - and I'm still waiting for my money back after having done it myself. Additionally, Ally 's fraud prevention department 's calling system calls from a number that is not shown on the card, which if called, asks for personal information without any proof that the caller is not the fraudulent party in the first place. People say to only call the number on the back of the card- why would a bank call from such a number? I explained this to an agent as well, but I think perhaps this is more of a concern for consumer protection folks than one of their agents. This is completely unacceptable practice in this day and age.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83714
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: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Please see the attached letter from Ally. Their debtor IS NOT ME. I have a different address and phone number, yet they have been calling me, and numerous friends and family about this debt. I have never done any business with XXXX XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78216
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Repeated fraudulent withdrawal to my account and they are making me wait to dispute them. Did not flag as fraud until it was $ XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: From XXXX XXXX to XXXXXXXX XXXX XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My wife and I recently opened a joint checking account at Ally Bank and we've both had fraudulent charges on our debit cards ( with different account numbers ) that we've only used for ATM transactions, and we've now also had fraudulent charges on the replacement debit cards that were sent. Ally claims these charges are due to a Mastercard cybersecurity breach that occurred approximately one year ago, but their claim makes no sense as our accounts and debit cards are recent. There are numerous recent reports across social media of fraudulent charges on Ally customer debit cards. See, XXXX XXXX XXXX XXXXAllyBank/. I hereby request that the CFPB investigate this matter to determine whether Ally 's cybersecurity is at fault, and, if so, direct Ally to remedy the situation as soon as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85395
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: XXXXXXXX XXXX online payment for {$370.00} sent XX/XX/29 to Ally Financial, transaction code - XXXX to be applied to account. Payment should have posted XXXX. Getting late notifications. I have called almost every day with no resolution. I have also faxed Ally a copy of bank statement showing payment deduction. The response is always sorry and someone will call me back. No one ever calls and payment continues to show pass due. They say payment has been misapplied but no one seems to really follow through. I would like payment properly applied to account with late fee and additional interest charges reversed.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have had one recent fraudulent transaction on my debit card issued by Ally Bank. The transaction was blocked by Ally Bank and I didn't lose money The bank sent an email showing the transaction and advised me to call. After over a half dozen calls, each time being on hold for well over 30 minutes, a voice comes on to say that " no one is available to help you at this time, please call back, good-bye ''. But meanwhile my debit card has been cancelled by All Bank. I can not charge the card for merchandise, or get cash out of my account, and numerous automatic payments are scheduled to be paid with the now-cancelled debit card. I have tried to reach Ally Bank in an attempt to find out if I have been sent a replacement debit card. But, once again, it is virtually impossible to reach customer service at Ally Bank, on phone or via chat.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10543
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Called on XX/XX/11 to report fraudulent activity, I had tried to deposit a check that was found to be fraudulent unbeknownst to me. I was the victim of a scam. Specifically a gift card scam. I lost {$3000.00} of my money. All of my accounts : checking and two savings accounts were frozen with no access to other accounts not associated with the checking account involved. I have auto draft accounts that are trying to draw from the checking account and now I am getting charged fees because the account is frozen. Additionally I can not turn off auto bill pay entries because I have no online access to stop these auto payments. I was told the investigation would take 10 to 90 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Fraudulent charges have been occuring in my Ally Bank checking account. I've been reading on XXXX that other like me have been receiving fraudulent charges as well in recent days, and I think that it's due to a possible leak of PII data. I personally was only given a pending charge of XXXX to a XXXX XXXX XXXX XXXX, before I locked my card and reported it stolen. Others online have said that they have had multiple charges ranging from XXXX dollar to about XXXX end up getting made on their accounts, essentially rendering their debit cards useless. Ally has not done anything since I have been unable to get a hold of XXXX. But they also haven't publicly said anything as of yet either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64114
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A