Date Received: 2022-08-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I should start out by saying that I filed a complaint with XXXX XXXX XXXX Washington DC & XXXX Pennsylvania, # XXXX. I have been trying to take an early withdrawal of a cd since XXXX. On XXXX I called to verify and was told that the transaction where I close the cd and have funds transferred to an account at another bank ( all information on file ) was in process. I sent a few messages, they reply after a few days telling me that it is in process. Yet it is XX/XX/17 and the cd still shows active, funds have not been transferred. There are 60 minute wait times when trying to call them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Because of a security breach Ally refuse to let me use my card, I've tried calling only to be left on hold for hours at a time. I can't even order a new card because it has to be done over the phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/06, I contacted Ally Bank as I was having issues with withdrawing cash from my debit card using an ATM while on travel to XXXX. After waiting for a customer service representative for OVER AN HOUR, I was told that there was a fraud block on my account and that lifting that block would allow me to use that card. Ok, no problem. I wasn't able to test it while with the agent as I was near physically near an ATM, so I took her for her word. When I tried withdrawing cash from an ATM at XXXX XXXX, a cash only merchant, I was unable to withdraw funds. Great. I call the next day and again the wait time to get a customer service agent is over an hour. This one tells me that the issue is related to too many failed attempts instead of just the initial fraud block and informs me that everything has been resolved. Again, not near an ATM, so unable to validate the agent 's word unfortunately. At night, I try to withdraw cash from an ATM and as expected, still doesn't work. I try for a third time, and again wait for OVER AN HOUR to get an agent on the line and this time the agent tells me that she'll have to transfer me to another agent without giving me a reason as to why and I'm placed back in the wait queue for an hour. Absolutely ridiculous. Not to mention that the other times where I've waited and finally connected, the call ends abruptly. I suspect that agents are taking the call and purposely ending it to clear their backlog. This is the most ridiculous customer service experience I've had with any financial institution and it's ludicrous that I'm unable to withdraw money from my checking account when I want/ need to. Ally Bank needs to ramp up staffing for their call centers and provide adequate training for their representatives to resolve banking issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Problems at the end of the loan or lease
Subissue: Problem extending the lease
Consumer Complaint: They came early in the morning and towed the truck from our driveway without any type of warning .This was a 6 month extended lease from a two year with them, their was no late payments with only two payments left on the truck. We had been leasing with the same dealership for the past 15 years with no problems. When we found out Ally had taken the truck they would not give us a reason for taking it .We later found out that some of our payments were going to another account with our name on them .because we have proof from our bank that they cashed the checks and deposited them in their account .They also would not give us our personal property that was in the truck that was in the est. amount of {$2000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 481XX
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Managing an account
Subissue: Deposits or withdrawals
Consumer Complaint: I made a total of 5 phone calls to Ally Bank. Totally unresolved and calls can take hours. I have 2 CDs with Ally. I was successful on Call # 1 and received all of my accrued and paid interest on the 2 CD 's. The interest accrued but not paid on both cd 's required a 2nd call ( I made the mistake of having the interest paid annually. ) Call # 2 resulted in success on one of my CD 's and I was told to hold on until it was finished. Unfortunately, after being on the phone for an hour, my phone battery died. 3 calls later resulted in long times waiting for the resolution. I have to also state numerous messages sent to Ally resulted in no success. Those people can't even read. The last 4 numbers of my CD are XXXX. There is approximately {$880.00} of accrued interest but not yet paid sitting on it. I wanted this interest transferred to my XXXX ending in XXXX. Therefore, I am hoping that you can intercede and help me with Ally Bank. At times like this I wonder about their solvency if they won't give me my accrued interest as requested.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33323
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I have been trying to contact Ally Bank for days and can not get any customer service. Since Ally is an online bank, there are no branches to visit, so this is an urgent problem. I have tried calling Ally, but no matter what time of day I call, the hold times are over an hour with no option to get a callback. Nobody can be expected to wait on hold for that long. I have tried sending Secure Messages in the Ally app, but nobody has responded. I have sent XXXX messages since XX/XX/XXXX with no response. All I need is someone to help get a check deposited. The check has been wrongly rejected twice and needs manual intervention. I can't wait forever to get these funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 222XX
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
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: My car is a total loss. My insurance ( XXXX ) is not able to issue the payment to me because the title of my car was never transferred to the financing company ( Ally ). I purchased a new vehicle from XXXX XXXX months ago, and the title was never transferred to Ally. I have been contacting both companies to solve the problem, XXXX and Ally, and none of them are taking responsibility for this matter. I have contacted XXXX and they have confirmed that the title of the car is under XXXX Lease name. I have been paying/financing the car through Ally for XXXX months and they seemed to never have the title of the car.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91040
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: violation of law and fraudulent acts AFFIDAVIT OF TRUTH Notice of Default NOTICE TO AGENT IS NOTICE TO PRINCIPAL. NOTICE TO PRINCIPAL IS NOTICE TO AGENT. XXXX certified mail # : Date : XX/XX/XXXX To : XXXX XXXX. XXXX. / XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. For Ally financial XXXX XXXX XXXX, XXXX XXXX XXXX DE XXXX Respondents : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX titled XXXX XXXXXXXX XXXX XXXX ( OWNER TRUSTEE OF ALLY AUTO RECEIVABLES TRUST ) XXXX XXXX XXXX # XXXX XXXX, Delaware XXXX Return receipt XXXX XXXX XXXX : Family of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX and XXXX XXXX XXXX XXXX OF XXXXXXXX XXXX XXXX XXXXXXXX WHO IS INDENTURED TRUSTEE OF business entity titled ALLY FINANCE LLC XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX NEW YORK XXXX Return receipt : XXXX. : Family of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX WHO IS INDENTURED TRUSTEE OF business entity titled ALLY FINANCE LLC XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, NEW YORK XXXX Return XXXXeceipt : With Completion of Service and designation of Witnesses To : XXXX. : Family of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Attorney General U.S Department of Justice XXXX XXXX XXXX XXXX XXXX Washington DC XXXX XXXX XXXX Mail Return Receipt : XXXX : Family of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX State of Alabama Attorney General State of Alabama Department of Justice XXXX XXXX XXXX XXXX, XXXX XXXX AL XXXX XXXX Mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX : XXXX, Estate c/o XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX [ XXXX XXXX XXXX Principal RE : Account Number XXXX Dear Sir XXXX Madam XXXX To whom it may concern this is a formal notice of FRAUD found in my consumer credit transaction contract that was assigned to Ally Finance that makes it null and void due to FRAUD imposed on the consumer. Fraud voids all verbal or written agreements. I will testify under penalty of perjury that I am the consumer in fact and the only natural person with any personal knowledge pertaining to this Consumer Credit Transaction. I will testify to the following as fact : 1. Fact, I a man living breathing, affixed my signature to a promissory note ( account number XXXX ) without knowledge of the complete contract and all terms of that contract as well as the fraud being perpetrated upon me in that contract. I was illegally charged a finance charge that did not include the sum of all charges related to my consumer credit transaction. I was unlawfully forced to present a cash down payment in connection to this transaction which are all violations of 15 USC 1605. 2. Fact, pursuant to 15 USC 1635 ( f ) in the case of any consumer transaction in which a security interest including any such interest arising by the operation of law, meaning not limited to only a principal dwelling, but ANY contract which includes a security interest, the OBLIGOR shall have the right to rescind the transaction until midnight on the third business day following the consummation or the day the agreement was signed. 3. Fact, the rescission forms are REQUIRED by 15 USC 1635 and must be delivered together with a statement containing the material disclosures in accordance with 15 USC 1602 ( v ) required under TILA. 4. Fact, the creditor must clearly and conspicuously disclose, in accordance with regulations of the Consumer Financial Protection Bureau the obligors right of recission. 5. Fact, I did not receive any forms or clear and conspicuous verbal, written, or video explanation on my right to rescind. 6. Fact, the consumer has the right to exercise the right of rescission after three years from consummation of the agreement in accordance with 15 USC 1635 ( f ) and the creditor is required to fully disclose that information to the buyer. 7. Fact, pursuant to 15 USC 1635 ( b ) upon the right of rescission, I the affiant am no longer liable for any finance charge. 8. Fact, the creditor must terminate any security interest. 9. Fact, I revoke all signatures for good cause, and without recourse to me ( UCC 1 415 ; 1-308 ) 10. Fact, the creditor must return any money or property, earnest money, down payment of {$500.00} or otherwise all past payments made to Ally financial and because the property has been delivered and is in my possession, I have the right to retain possession of the property. 11. Fact, this notice should also serve to cease and desist all communication and collection attempts from Ally Finance. 12. Fact, 15 USC 1693 states that no writing or other agreement between a consumer and any other person may contain any provision in which constitutes a waiver of any rights. Any creditor who fails to comply with any requirement imposed under, in the case of an individual action, the creditor will be liable for twice the amount of the finance charge and any actual damage sustained by the creditor. XXXX3. Fact, Ally Finance has failed to comply with all parts of the Truth In Lending Disclosure. 14. Fact, Ally Finance was also told to cease and desist which stated that you both must cease and desist communication through any and all mediums which would mean via telephone, consumer reporting agencies, and third-party companies such as the towing company that you could try to illegally send out to repossess my vehicle. Ally Financial was also made aware that I refused to acknowledge the alleged debt. 15. Fact, Pursuant to 18 USC 8 all debt obligations are securities that are owed to the United States. Ally Finance is not a US attorney, an assistant, or designated to act on behalf of the US attorney, or an attorney or the US department of Justice or a Federal agency with litigation authority, which means the head of agency with any accompanied private attorney must have a contract made in accordance with Section 3718 of title 31 to conduct any litigation or collection of debts pursuant to 18 USC 8 on behalf of the United States and otherwise would have no right. 16. Fact, Ally Finance has to no contract with the United States to collect any alleged debt. Ally Financial is in violation of 15 USC 57b states that if any person, partnership, or corporation engages in any unfair or deceptive acts after a cease-and-desist order was in place are liable to have civil action bought upon them. 17. Fact, Ally Finance has continued reporting to consumer reporting agencies about me and they have also continued to contact me via postage mail. 18. Fact, Ally Finance is in violation of 18 USC 1962 which states that it shall be unlawful for any person who has received any income derived, directly, or indirectly from a pattern of racketeering through the collection of an unlawful debt. 19. Fact whoever is in violation of 18 USC 1962 all be fined under title 18 or imprisoned not more than 20 years. Ally Finance is also in violation of 18 USC 894. Ally Finance has used extortion as a means of collection of a credit extension. 20. Fact, Ally Finance knowingly participated in the use of extortions to attempt to collect an extension of credit. 21. Fact, Ally Finance agents shall be fined under title 18 and not imprisoned for more than 20 years. 22. Fact, Ally Finance has also harmed my reputation to extort me. 23. Fact, Ally Finance was sent a cease-and-desist letter, I have reached out via phone to speak with agents and also sent messages via their online portal. They have since continued to harm my reputation by reporting negative information to my consumers report to extort me for repayment and as a punishment for non-repayment. I will be petitioning the courts to help me settle this case if my titles and all other above demands are not met. 24. Fact, I DEMAND ALL DOWN PAYMENTS AND FINANCE CHARGE BE REFUNDED TO ME THROUGH CERTIFIED CASHIERS CHECK. ALSO ALL LIENS BE RELEASED AND CLEAR TITLE SENT TO ME, THE OWNER OF THE VEHICLE. 25. Fact, I am also seeking monetary compensation for the pain, suffer and deformation of character that has occurred during this entire ordeal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35601
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-15
Issue: Getting a loan or lease
Subissue: High-pressure sales tactics
Consumer Complaint: Hello, On XX/XX/2022, I, XXXX XXXX, sent Ally Financial an AFFIDAVIT OF TRUTH / AFFIDAVIT OF RESPONSE FOR CEASE AND Consumer Enforcement as Administrative Counter-Claim by Private Right of Action and a notice of violation of the Truth and Lending Act and XX/XX/2022 and to their Agent. Their response was that documents I sent was not legally binding to them and that the Affidavit was not a proper form of payment but that is not what I intended nor the outcome I wanted. I have sent and asked for Upon the discovery of the fraud, deception, and many violations pursuant to 15 USC 1681p there is no statute of limitations on the discovery of fraud. The gross deception in the contract which involves violations of the Truth in Lending Act 15 USC 1601, violations against ECOA 15 USC 1691, violations of Discrimination 15 USC 13, violations of False and Misrepresentation 15 USC 1692e, violations of Deceptive forms known as the Retail Installment Contractor Agreement to 15 USC 1692j. Finally, once XXXX XXXX XXXX XXXX had benefit by taking advantage of me, they then unlawful assigned/self of my contract which was my private Negotiable Instrument to Ally Financial for their profit. In exercising my consumer rights, Ally Financial then proceeded to violate 15 USC 1666e by restricting my payment account and threatening to repossess my vehicle and can be held liable in court under 15 USC 1693m.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32808
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Over a year trying to get false late payment removed by Ally financial on my auto loan. First Ally reported 2 late payments XXXX & XX/XX/2021 but after several calls to Ally customer service they removed XXXX late payment WHEN LOANE WAS PAID-OFF IN XX/XX/2021. After several phone calls to Ally financial, they changed & reported Late payment to XX/XX/2021 which is completely false ( Attached printout of credit report where it shows XXXX payment posted XXXX/XXXX/XX/XX/XXXX). ALL OF THESE LATE PAYMENTS BEEN REPORTED BY ALLY FINANCIAL AFTER AUTO LOAN WAS PAID-OFF IN XX/XX/2021. Paid off the loan during pandemic. Credit score dropped XXXX points after Ally reported false late payment. Unethical & dishonest company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10704
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A