Date Received: 2022-08-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am a consumer, a natural person, and a protected person under federal law In accordance with the Fair Credit Reporting act Ally Financial has violated my rights Regarding alleged account # XXXX 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose 15 U.S.C. 1681cXXXX : A Block and remove in XXXX days
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28215
Submitted Via: Web
Date Sent: 2022-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-06
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This is a new complaint. This matter involves I, XXXX the living man, ( consumer ) a victim of ALLY FINANCIAL BANK, INCS ( AFB ) deceptive practices by falsifying ; altering a signed contractual instrument with the intent to defraud. On XX/XX/2022 I submitted a complaint to the CFPB. On XX/XX/2022 AFB presented an altered contractual instrument ; deceptive forms to the ( CFPB ), Case No. XXXX [ Exhibit A ] with forged signatures after signing vs consumers copy which has no such signatures nor stamps. [ Exhibit B ] Also, I would like to mention I am a victim of XXXX ( XXXX ) ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) misconduct in connection with the extension of my credit ( s ) ; by reporting fraud on my credit file & consumer report without proper verification nor investigation. [ Exhibit C ]
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: 2022-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-06
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: XX/XX/22. I forgot autopay was set up and accidentally paid twice. Immediately contacted Ally to discuss options. Was informed by agent Id have to dispute with my bank. So I do. Both payments end up refunded. XX/XX/22 I call ally to discuss how I can pay to avoid being late. XXXX informs me to pay again. XX/XX/22 Two additional payments come out of my checking account for a total of three payments for the month of XXXX. I dispute one with the bank. XX/XX/22 I get an another car payment from ally taken out of my account. I contact XXXX assistant branch manager to assist with Ally. Ally refuses to speak with XXXX despite my explicit authorization that XXXX can talk directly to Ally. Ally issues refund. XX/XX/22 Ally issues another refund and says I am now late on my payments. Ally has blocked my bank account from being able to pay online. Ally customer service keeps blaming XXXX and making excuses.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28209
Submitted Via: Web
Date Sent: 2022-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-06
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: XX/XX/XXXX I received an email from Ally bank that I had opened an account when I had not opened an account. I called Ally bank and they verified my information and closed the account but could not tell me how someone else had opened an account in my name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 377XX
Submitted Via: Web
Date Sent: 2022-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/22 I received a notice on my phone that an unauthorized person was trying to access my banking account and that it was temporarily locked. Upon reaching out to my bank to sort the matter, my bank called Ally Bank had frozen my account due to what they alleged was a fraudulent XXXX deposit of {$200.00}, from nearly 4 months ago. I don't about you, but I make online purchases and returns everyday. I do not have time to look through all my transactions with a fine comb to determine fraud. Now they have frozen my account because they alleged someone illegally sent me {$200.00} to my account through publicly used app called XXXX which I was not aware of. First off, I have no control on who sends me money especially through a public service such as XXXX. 2nd they claim they will have to freeze my account for up to 30 days. I did not do any wrong or illegal so how it is I am being penalize for something I did not do? Please make it make sense to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20912
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX and XXXX are in direct violation of 15 USC 1681 a ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 4. States that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness impartiality and respect for the consumers right to privacy 15 USC 1681 ( b ) PERMISIBLE PURPOSES I never consented or gave permission for any of this information to be reported in the first place. They are reporting negative information on these reports. 15 USC 1681 s-2 ( 7 ) ( E ) says that nothing under the FCRA requires a financial institution to furnish negative information to consumer reporting agency. they are required to furnish accurate information they are referring to their company policy. Company policy does not supersede federal law. The end. The law states that my consent is needed to disclose non-public personal information to a non affiliated third party.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48214
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Opened Saving Account at Ally Bank ( online ) set up a transfer from XXXX XXXX ( aka XXXX ) of {$100000.00} on XX/XX/XXXX. I gave Ally my Routing and Account Numbers, the next day the Funds disappeared from XXXX. That same day XX/XX/XXXX I got am Email from whet appeared to be Ally banking instructed be to contact them which I did. I was concerned using a number from an unsolicited email but a representative from their Fraud prevention depart questioned me in a rather aggressive way if that was my money and demanded I fill out forms with personal information to attest to it. I reaction to this by saying cancel everything which in hide sight was a mistake. She canceled/closed my account on XX/XX/XXXX, the funds that they removed from my XXXX Account were never deposited in the ALLY account. I was told by this representative that they would be returned to my XXXX account XXXX as of today they have not. Called XX/XX/XXXX and was told by the same Dept the funds were statused as rejected on XX/XX/XXXX and the funds should be in my bank account, again which they were not. I contacted my Financial advisor at XXXX and we called ALLY together on XXXX hours on hold multiple cold transfers and we end up back at the same Fraud department with the original rep who closed the account. She claims the transfer never went through but they were removed from my XXXX Account. I was told by ALLY to file a claim with XXXX which I did. I was told by my Advisor that was rejected because XXXX as never received the funds. I called ALLY again on XXXX, multiple cold transfer repeating the same Information to them and ended back up at the same department to the same person that cold transferred me to from the beginningt. One lady in the middle of transfers told me my case had been closed and I was in a Fraud Profile. Which essentially means to me they must be holding my money. This Lady named XXXX said she reopened my case, she reportedly conversed with the XXXX team and reported back to me to file a claim with XXXX ( which again was done on XX/XX/XXXX ) I was eventually transfer back to my original representative in the Fraud Depart " XXXX '' Maybe. this time he was argumentative since I recognized his voice and remarked on being cold transferred so many times. I asked for him to remove the Fraud profile on my file that XXXX instructed that I do but he rudely refused. I asked to be transferred to a supervisor and he said some undiscernable words I got a voice mail of a " XXXX '' ( phone sound quality was very poor ) long story short here ALLY pulled money from my bank account and it is now now where to be found I can supply a case reference number
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45150
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: Ally Financial XXXX XXXX XXXX XXXX, MN XXXX Account number XXXX Account paid in full On XXXX XXXX, I purchased a XXXX XXXXXXXX XXXX with a XXXX XXXXXXXX along this purchase I agreed to get an Extended Warranty plan to cover expenses and repairs. Unfortunately, I decided to sell this truck to another car dealer, I proceeded to cancel this service and get a refund on the extended service, Extended warranty dealer refund the amount charged for the service back to Ally Bank XXXX XXXX XXXX Ally Bank has refused to send me the refund of the extended warranty since that date, They are saying that It will take up to 130 days to get a refund, I told them this check was clear by them and are using my money for too long due to ineptitude, I already wait more than 2 months. There is not guarantee that I will get my refund at that time for the extended warranty cancellation To resolve the problem, I would like to get paid faster and with interest earned. I look forward to your reply and resolution to my problem and I will wait XX/XX/XXXX before seeking help from XXXX XXXX XXXX. Please contact me at the above address or by phone XXXX XXXX or by email XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78247
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Ally Bank is the worst!!!!! I initiated a XXXX to someone and they never received funds, a week later I went to send it again, but realized the first XXXX I sent out, never came back, so I cancelled the second one. I contacted ally bank and a lady told me wait 13 business days. After 13 days, no funds were issued out, so I complained about it, then they credited me my XXXX back, I sent that to the person that I had waiting a month to receive their funds. A month goes by and the close out my account and even took away my access. Today I attempt to log in because I keep receiving emails from them, then all of a sudden it gives me access and I notice it shows my account is back open with a negative balance of XXXX dollars for a withdrawal on XXXX XXXX XXXX. This bank has been making errors for a long time, they also have been sending me mail saying I owed over draft fees when I contacted them they informed me that it was an error in their system and to just simply ignore it. This bank is ran digitally and the system is just trash. They are charging people then apologizing, closing accounts then opening them back up with a negative balance, theyre claiming the will send it to my credit which I worked hard to fix. I will be contacting a financial and banking attorney and taking them to small claims court.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34952
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-04
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 had an automobile loan financed with Ally and refinanced it in XX/XX/2022. The company I refinanced with sent a check to Ally for the payoff amount. Since the company had inquired about the payoff amount, I had made a payment which was due. The date the loan through Ally was paid in full was XX/XX/2022. I also cancelled my vehicle service contract and a prorated refund was also sent to Ally. Ally was also supposed to refund me a prorated amount for the GAP insurance. I was initially told that Ally typically issues refunds within 30 days of the payment in full date but that with current delays it could take up to 55 days. I've reached to Ally multiple times about my refund and was told that it was still being processed. It has been more that 55 days and I have still yet to receive anything. I am now being told that the GAP Insurance refund can take 130 days to receive. Ally has had this money for over a month and I just want the money that is supposed to be refunded to me and I believe the delay in refunding the money to me is unreasonable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66801
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A