Date Received: 2022-08-04
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I did a mobile deposit for a check I wrote myself from one of my banks ( XXXX XXXX ) to my other ( Ally Bank ) on XX/XX/XXXX. The funds were sent by XXXX XXXX the following business day, but I noticed it hadnt gone through at Ally Bank. I called them and they told me XXXX XXXX hadnt sent it, and that it wont be deposited until the XXXX. I called XXXX XXXX to confirm the money was sent with no problems, which it was. I call Ally, irritated that my funds have not gone through even though I didnt fit into any of the exception to the Expedited Funds Availability Act. They inform me that XXXX XXXX gave them information stating the check may not be able to be paid. I call XXXX XXXX, there fraud and security department said that didnt make sense and that the money is out of my account and with Ally so was obviously able to be paid. I call Ally again, they say it needs to clear. I inform them that it has, and that they have the money but are refusing to release it. I ask why they are refusing and they said it is still processing. I told them it has been approved. After that, they stated we simply can not release funds until the XXXX without giving me a reason. Right now I am out {$3000.00} dollars. I dont have very much to my name so I am in a very bad situation without money. But they will not release the funds or give me a reason why they have it. My account is not younger than 30 days, I have no history of overdraft, the check was not an amount over {$5500.00}, I have made a check deposit from XXXX XXXX to Ally before, its has cleared so clearly I have the funds. I explained this all to them and they are dead set on doing nothing. I believe regulations are out in place to make sure this does not happen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 50310
Submitted Via: Web
Date Sent: 2022-08-04
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: Payoff was sent to Ally, and they still proceeded to take money out of my husbands account and did not refund it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 435XX
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have an ally bank auto loan which I am a co-borrower on. I pay the payments not only onetime every month, but I make extra payments. Despite this, Ally Bank Repossessed my truck and marked my credit as charged off debt per the attached screenshot from my credit report. I have never been late on this account per the attached payment history. I want the CFPB to conduct an investigation into this matter please.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93030
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Ally XXXX XXXX XXXX XXXX XXXXXXXX XXXX NJ Mortgage Dept I could not access my online dashboard to make my usual monthly paymt. I always pay one month in advance because Ally is notoriously bad at making mistakes. On XX/XX/XXXX, I went in to pay my XX/XX/XXXX mortg pmt. I could not access my dashboard and had a message to call in. The service rep said we all rec 'd a mailer that said the website was migrating and we needed to create new profiles ( I rec 'd no such mailer ). When I attempted to create a new profile, it sent a verification text to a phone number not associated to me. The account rep also had another number on file not associated to me. He could not fix my account, I could not access my data, and they had faulty data associated to me. They promised a return call which never came. When I called in the next day, another rep disclosed that the email address I updated to was no longer on file and it reverted to the email owned by the lender Ally bought my mortgage from. Additionally, my DOB was 'wiped ' which was preventing me from accessing the online profile. Finally, the service reps kept asking me to take a pmt over the phone which I was uncomfortable doing. I learned they did not actually work for Ally. When asked directly, they refused to answer they worked for a third party. Their lack of transparency and honesty is a red flag in this operation. In summary, Ally 's abuse and loss or misplacement of data is critical security issue, and they have operators in place not qualified to remediate the issue. My data is currently unsecure and I request your immediate investigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75013
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: XXXX bill pay takes my payments out my account to send to ally financial bank on my auto loan that is paid monthly well when they sent my payment electronically they were provided a confirmation number which means they received it but never posted it to my account now it shows past due and ally financial keeps giving me the run around and something needs to be done because they did receive the payment but they keep on giving me the run around and what they are doing is theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have multiple accounts in Ally bank since 2011. But for almost a year, Ally bank mobile application is not working. For almost last 2 years, if one call Ally - there is a wait time of 45+ minutes. On chat, you can never get hold of real human being. Without mobile app, I can not deposit a check. If i have to use the internet browser and scanner for depositing a check, I would like ally to pay for my scanner expense. Ally being onlineXXXX XXXX it has to make sure customer service is reachable without such long wait time and customer can do everything form mobile app.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My credit was use without my Permission
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48235
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: ally was paid XXXX and cashed check incorrectly for the amount of XXXX and i called and was to ; XXXX they made a mistake so i asked for the correct payoff amount and was told XXXX and to avoid additional interest i sent them a check and after i did they submitted the original check and was paid XXXX and when i noticed it i call and told them not to cash check but they did This all started on XXXX 2022 and that is when the first check was cashed wrong they they redid check and was paid on XX/XX/XXXX and cashed second check on XX/XX/2022 i have been trying to get this corected sinc XX/XX/XXXX so now they say it will take 55 to 60 days from XX/XX/XXXX for me to get my money back so i want my money returned
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 154XX
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I recently discovered multiple fraudulent, unauthorized charges on my Ally Bank checking account. I disputed all of the charges in question on XX/XX/2022, soon as I discovered them. It's been over XXXX business days since I filed the dispute and Ally Bank has yet to provide provisional credit or provide a written statement. This puts Ally Bank out of compliance with Regulation E. I also haven't been able to access my account, Ally says I have to wait unti their investigation is over. I have verified my account, set up a new username and password, and security questions with an Ally agent over the phone. But they keep saying I can't access my account until the investigation is complete.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89135
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX of XXXX I purchased my XXXX XXXX XXXX model with credit and they charged me monthly for payments. I recognize that Ally Auto is a third party on this auto transaction due to the fact that I am the original creditor and only creditor. I have sent out an affidavit of truth stating my rights on this alleged debt and exercising my rights for payments to be issued back to me the original creditor and for car lien title to be sent to me with remaining alleged debt to be removed on all third party reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30350
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A