Date Received: 2022-08-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I received an email from Ally letting me know that my accounts were being restricted and to call them. I did thinking this could be a scam. turns out that they were freezing all my accounts and I could not acces them at all. Back in XXXX a friend XXXX me {$620.00} to pay for an XXXX house for our vacation in XXXX. Later in XXXX that same friend realized that someone had hacked her zelle account and made some transaction. She called her bank, XXXX XXXX XXXX and reported the specific transactions as fraudulent. This transactions where all made in the month of XXXX. She specifically told XXXX that my transaction was ok. XXXX ignored that and called my bank, Ally Bank and reported the fraud case. At that point Ally Bank froze my accounts. I had to call twice since the first person would not give me any information at all. When I talked to their specialists on my second call I provided all the information on the transaction and confirmed the name of my friend and Ally Bank said that should do it and should take 1-3 business days to clear it. After that time I realized my accounts were still frozen so called ally again and this time they just said they could not do anything and that it could take 30 - 90 days for the investigation. I asked what they needed and if they had done any work on it, the answer was that they could not tell me anything. The next time I called a coupel of days later a representative pretty much said that when I open an account with them I agreed that they could freeze all of them if they deemed necessary and that they were not responsible for any impacts on my end. I again asked what they needed and he said that the burden fell on me to prove that I didn't do anything wrong. I had to provide them with a letter from XXXX and contacts and have XXXX call them and provide them a case number and that even then, they could still take all that time. I had my friend called XXXX and they provided a case number but they also were not helpful and didn't want to own up to their mistake. We have been playing this game for 2 weeks. I don't understand why they didn't just freeze the amount that was reported fraudulent instead of all my accounts. When i asked to speak to a manager, I was sent to a voicemail and nobody has called me back. They did not have a problem allowing my paycheck to come into the account, even thought they wont let me even look at my accounts. This doesnt feel like is in the best interest of the customer and they are not doing anything to help clear this up even after I provided a ton of information for them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97267
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: The is an extension to complaint ID - XXXX submitted on XX/XX/XXXX. I had a conversation with Ally Auto they are still referring back to the dealership and the dealership has been extremely uncooperative and disrespectful towards my concerns. I am really at a loss because the dealership continues to run my credit report to finance loans. and now they have me financed under is a XXXX XXXX XXXX and the amount financed was {$24000.00} which is what Ally Auto said to me. I clarified I did not sign for an auto loan for this vehicle and my credit was ran without my consent. I have the contract and it clearly states XXXX XXXX XXXX amount financed was {$35000.00}. I was financed for a XXXX XXXX XXXX XXXX Momentum and upon doing some additional research on the Vehicle Identification Number ( VIN ) XXXX on the XXXX XXXX XXXX XXXX XXXX ( XXXX ) its saying the VIN is incomplete and the XXXX position of the VIN does not match the model and year. I have reached out to the dealership and they have no intention to cancel the loan. I received a credit alert yesterday. XXXX XXXX XXXXXXXX in XXXX Kansas ( auto dealership ) processed another auto loan application without my consent. " Error Text : XXXX - Incomplete VIN ; XXXX - Model Year Warning - Model Year entered for decoding with VIN does not match the model year based on the XXXX position in VIN. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: To Whom It May Concern, I am a victim of identity theft and have enclosed a copy of my identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, I contacted Ally Bank re their lack of action regarding a fraudulent charge by XXXX. On XX/XX/XXXX, I made an online purchase from XXXX for {$66.00}. The purchase was acknowledged by the merchant. I discovered too late that XXXX has a history of taking money and not sending the merchandise. This is precisely what happened to me. By XX/XX/XXXX, I gave up on XXXX and disputed the charge via Ally Banks online form. It is now XX/XX/XXXX and Ally has failed to reverse the fraudulent charge, despite numerous requests from me via secure messaging. Suddenly, some time prior to XX/XX/XXXX, Ally decided that my dispute could *only* be processed via written forms which they claimed to have sent which have not been received. On XX/XX/XXXX, Ally confirmed that, upon review, they had my correct address. I have had no further contact from Ally. The charge has still not been reverse. My orders page at XXXX has been scrubbed but I screenshotted the page prior to scrubbing. Thus, Ally has done nothing but play games and drag their feet over a clearly fraudulent charge. Thank you.
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: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: To. Ally 's response to my first complaint and the fact i am in the middle of a mortgage loan. I will pursue all rights of the federal credit report act and file suit if this interfers with my mortgage. This can add another law suit to all the current suits via public records Ally has been getting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 703XX
Submitted Via: Web
Date Sent: 2022-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The following companies are reporting inaccurate information on my credit profile,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07307
Submitted Via: Web
Date Sent: 2022-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I started by financing a XXXX XXXX XXXX XXXX XXXX at XXXX through Ally Financial in XXXX XXXX next day this bad car broke down for no reason and I returned it to the dealership. So they proposed me a replacement car. They resent a new application to Ally bank and told me that this first account for XXXX XXXX XXXX deal was cancelled and thats I am good to go with a new XXXX XXXX XXXX. I went back home and opened my Ally bank online banking and saw still two accounts opened under my name. The XXXX and XXXX cars are both open and are reported as current by the bank while dealership told me clearly that they already cancelled this first deal and I dont have to do anything since they replaced me the car. So it was so confusing and worrisome. I first called the bank to report the incorrect information. They told me I dont have to worry about this XXXX XXXX car account, its the dealership, they will update that. Some days later bank started calling me stating that I will be sent to collection because I have late/past due for the XXXX XXXX car which is supposed to be cancelled since 2 days after financing it by dealership because it was already replaced and closed. I had a hard time but finally managed to contact the dealership to report the incorrect information, and they told me that it is supposed to be cancelled. Ally Financial started lying and lying over and over to me. I called that bank thousands and thousands time always some fake information trying to do as if they dont understand anything of the situation now that I report it as fraud. They try to always tell me that I own this XXXX XXXX car and dealership didnt cancel it, they will keep reporting delinquency on my credit report and I am responsible. So incredible!!! This XXXX XXXX deal was cancelled since XX/XX/XXXX, 2 days after financing and it was replaced by a XXXX XXXX car and it was cancelled as I was told by dealership. Why would I even finance two XXXX at the same time. This is beyond fraud. I have all the records against that dealership/bank and I will go to the legal system soon if anything wasnt done to correct my inaccurate report. Its now 4 months my account has delinquency reported fraudulently by bank and or dealership. I dont own this car, dealership cancelled this deal 2 days after and replaced it, it was since XXXX. It shouldnt even be reported to credit bureaus in the first place.There is nowhere that I will be responsible for a car that I never owned. There is law and people have rights. Even illiterate wont tolerate that. This is the worst abuse of rights I have ever witnessed. I have to lock my credit for fraud, cant even for rent now. I dont trust nobody anymore even financial institutions. They are supposed to protect our data that we allowed them to access. They trap people like me and mess up with our credit fraudulently to prevent us from doing anything but paying them those high interest rate. This is beyond abuse of rights. This bank and dealership are dishonest and engage in fraud against XXXX. They have a huge record of that all over the internet. Never know about them. I will never ever do business with a dishonest/ fraudulent bank or dealership like that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32117
Submitted Via: Web
Date Sent: 2022-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Completed a Right of Rescission dated XX/XX/2022 and received by Allly Financial on XX/XX/2022 in XXXX XXXX XXXX of my vehicle. My vehicle was taken in the middle of the night on XX/XX/2022 and I never received an authentication notice of illegal repossession.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76543
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: We had one of our checks stolen from the postal service. It was fraudulently altered and deposited in an Ally Bank Account. The amount of the check was {$19000.00}. We believe it is too easy to digitally alter a check and digitally deposit a fraudulent check in a fraudulent internet bank account. Our checks have water marks, holograms and are on heat resistant paper. We try to make them very hard to deposit fraudulently. I further believe that internet banks who do not have bricks and mortar locations are accepting fraudulent checks out of necessity. They are taking a risk at my expense. I believe that Ally Bank is enabling the fraud through their week security system. In order for ally to deposit this check they had to have opened a fraudulent account for the deposit. Our bank is denying reimbursement for the stolen {$19000.00} because we did not realize the fraud had accrued soon enough. I do not think that it would have mattered if we notified them when it happened. I believe it was too late when it happened. How can this be our fault?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33431
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/2022 I attempted to transfer money using XXXX through my checking account which I have with Ally bank. A pop-up notification said they could not complete the transaction and to call them. This led me to being completely locked out of my account because I did not answer one or more of XXXX authentication questions correctly, which I think they have incorrect. They then said the only way I could access my account was to send a photo of myself holding my drivers license next to my face, a bill with my name on it and a photo of a social security. I explained I lost my ss card over 30 years ago and they said they would not allow me access to my account without it and suggested I order a new one. ALL of my money is in this one account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95818
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A