Date Received: 2023-12-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Please see attached document. I am opting out of Credit Reporting with Ally Financial. Any negative remarks on any of my consumer reports should be promptly removed due to reporting to a third party being a direct violation of the Privacy Act of 1974, : The FCRA, 15 U.S. Code 1681b section 2, 15 U.S. Code 1666b, as well as 15 U.S. Code 6802.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75070
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Repossession
Subissue: Company explaining amount owed
Consumer Complaint: I was sold the wrong vin of XX/XX/XXXX. Ally and the dealership reneged the loan. To fix selling me the truck to cheap. I was originally financed at XXXX through Ally Bank XXXX XXXX. And I believe I was paying on two trucks at the same time because after they took the pick up, they credited back the money and took all the late charges off. It was originally through Ally Bank, and then it went through Ally financial. And after they sold the vehicle, I was never returned my equity in it, and they refused to provide paper showing where the money went. every time I contact them they just change the paperwork and send me new stuff. and as of now they wont even return my calls, and they have no information for me. The Tile they use in court is not a real title as it doesnt have the seal of Oregon in the middle. When I research the Vin. It shows both the trucks that I have the Vin on moving at the same time to XXXX dealerships. Then the color changes to the white one that I was originally sold. And the truck disappears. It also shows the first sale being made in XXXX. What Allie does is just transfer me from department to department and then disconnects me. It shows that I was paid out ahead when they took the pick up now after they repossessed it I was dealing with two different lawyers in Washington and a debt collector all at the same time in ally wouldnt help with anything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 976XX
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: My XXXX XXXX XXXX was totalled I had full coverage plus gap insurance for this exact reason insurance paid their share gap insurance was supposed to take care of the rest thats why I purchased it 6 months goes by I start getting phone calls from ally financial saying I still owe XXXX + I disagreed gap insurance paid them but according to ally they didn't pay the late fees that supposedly accrued while the insurance company was crossing the t 's and dotting the I 's I refused to pay them 6 months worth of late fees that accrued while they were waiting for my insurance and the gap insurance to pay for the car still they called all day everyday saying they were going to take me to court they were going to ruin my credit for as long as they could my car was totalled in XXXX or XXXX and they still refuse to let up even though the insurance paid them full price for their loss and I couldn't even get another car that is what I got out of the deal not evena souvenir from the wreckage so they paid the money for the the car I was paying them back never missed a payment or late and they want me topay what the insurance refused to they agreed on the price to pay for the car then after they accepted the money and everything was done they want to come after me for nonexistent late payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 810XX
Submitted Via: Web
Date Sent: 2023-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Ally financial services has been attempting to collect a debt in the amount of XXXX for aprx XXXX years now. I have requested validation of the debt and have requested to speak with a supervisor on multiple occasions both verbally and in writing. After charging off the debt Ally financial is still attempting to collect the debt while stating there is a XXXX dollar balance. This vehicle was traded into an automotive dealer and is not subject to a disposition fee because Ally Financial never completed services rendered to collect on the alleged debt. They are also attempting to collect a higher amount than the contractual amount stated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 68164
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: I purchased a new XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN, XXXX. I traded in my old XXXX with a value amount of XXXX they estimated with pictures through email. Then brought trade in value down even more more to XXXX while in person. I did have a loan still to pay off with old jeep of XXXX and I put down XXXX with a check. When the workers were talking with Ally Bank they coming up with a payment amount. I was shocked that the monthly payment was so high of XXXX, but I really needed a reliable vehicle for me and my XXXX children due to the old jeep had a lot of recalls. This would be my first time purchasing an actual new vehicle to where I always bought used vehicles. So, I had no idea what to expect. My children and I were at the dealership for a very long time. I think it was XXXX hours total. So, I saw that the interest rate was at 19 %, but didn't know what was good or bad for interest rates on a new vehicle. I even told the XXXX that the monthly amount was way to big and I was only looking to pay XXXX at the most. But like I said I needed a reliable vehicle. The amount financed was at XXXX, but with the interest rate and such jumped up to XXXX! How is anyone supposed to pay this off? Well, I received a letter dated XX/XX/XXXX. Letter was from Ally Bank, XXXX, MN saying they had to adjust the interest to 18.00 % with total sale price of XXXX, XXXX payments of {$720.00}. I just thought about this for some time and was think this interest is not adding up to me at all. I asked an attorney about this and they said this is illegal to change the rate and amounts and nothing to sign or spoken to first then the state of Minnesota with new vehicles the Max percentage that banks can charge is 8 %. When this bank ran my credit score it was fair and have always been on time with my old loan with the old jeep. The dealership 's XXXX wasn't going to let me take the new vehicle that day even when I signed everything. But the XXXX said I could take the new jeep so I ended up taking it home. I knew there was something wrong going on here. The dealership also had already sold my old jeep within XXXX weeks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 562XX
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: My bank, Ally Bank XXXX XXXX XXXX XXXX, PA XXXX Is unable to cancel recurring, scheduled transfers from my checking account at another institution to Ally 's held online savings account. I am unable to cancel this recurring transfer manually, both by online webpage visit and through their mobile phone app. This recurring charge is in the weekly amount of {$100.00}. When I try to do this myself, I receive error messages. I have spoken over the phone, as well as through online chat help function with Ally bank about this issue. They have told me verbally, on XX/XX/23 that this is a known issue and is being worked on through their IT department. But, until they fix this issue, the bank is stuck withdrawing {$100.00} a week from my checking against my instructions. This is unacceptable, and a basic online banking function that should be remedied, I should be able to dictate my own online savings account transfers. Thanks,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11372
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: Ever since XX/XX/2023 I have been trying to get an itemized statement from ally and they will not tell me anything Im asking to see what was owned on this car tell me what car was worth they took all insurance payoff and now XXXX XXXX come on why should the consumer suffer
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28540
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90712
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: To Whom It May Concern at Ally Bank : I am writing to ask you to please help me locate the funds that have been isolated from my closed acct. Through various phone calls I have finally ascertained that the IRS check was returned to the IRS ( so I know I can get that reissued ). However, the location of the money from the XXXX transfer that was made in the amount for the amount of {$5000.00} is still unknown/missing. Background : I invested in a HYSA at Ally because I am trying to diversify the types of accounts I have and I had heard great things about the buckets features. However, I am also an XXXX that spends most of the year outside of the US. I maintain a US mailing address, file taxes in the US m spend time in the US each year and have other US based bank accts and services so I did not consider that adding another one would be such an issue. I did not realize that accessing the acct outside of the US would be so complicated, thus I had to ensure the help of my father to help me log in. I was not aware of the nuance between joint account holders and giving login permission. To make matters even more complicated, I live in XXXX, XXXX. In order to access XXXX websites I use a VPN ( all the XXXX do, it is extremely common ). They are even built into many businesses Wifi networks here ( mine included ). To make calls outside of the country I use a service that can connect me using a XXXX phone number. After doing more belated research I came to realize your website does not work outside of the US at all, but it is even more complicated to access here in XXXX. I was eager to fund the account and chalked up my login issues to being XXXX specific ( not outside of the US specific ) and I had a friend transfer me money from her US acct. I also received my IRS tax return and also wanted that deposited. It is my belief that although this was performed in good faith, these actions triggered your banks fraud alerts. I understand that you are trying to protect your customers from fraud but after searching forums I can see many honest customers in the same/ similar predicaments to me. Locked out of their accts with no access to their money for weeks/months. You can imagine how frustrating this is and what a difficult problem it is to solve after working so hard to save those funds. This was my mistake and I understand it breaks your terms of service. I understand if I can no longer be a customer at your bank however, I have absolutely no idea where/when I will receive the funds that have been isolated from my account. Can you please tell the process I need to go to through to do so? Calling thus far was mostly a fruitless endeavor while I was abroad because I can not call with my US mobile number that is linked to my acct ( Despite answering all the security questions ). I did try to call using call connection services like XXXX XXXX ( see attached screenshots ) and was able to speak to a few representatives before they completely stopped talking to me on the phone during the investigation process. No one from the customer service line will give me any information. There is no XXXX XXXX XXXX location I can go to prove my identity. I did not want to mail a letter containing sensitive information to a po box I was never told the steps I needed or should take. From my perspective here is the history of my relationship with your bank : XXXX XXXX XXXX XXXX with Ally Bank is opened ( no minimum is required and I planned to fund it asap ) I discover that I have some issues getting on the website. I am no stranger to this living in XXXX, so I make a mental note to try it later. I get caught up in the busy-ness of my day to day life and forget to do so. XX/XX/XXXX : I get email alerts telling me my new account will close soon. * When I call to inquire about this a few days later the rep tells me that its too late to try to fund this one with a transfer, but she assures me there is no penalty for letting this acct close. She tells me to just call again and they will re-open another acct in my name ( diff number ). I realized that my phone has space for XXXX sim cards- I wanted to see if my US sim would work at all to allow me to login to this website and see my account. It did work briefly, which allowed me to change the telephone banking pin. However, this did not last and the XXXX XXXX XXXX my US number is not accessible here anymore. I dont know why it had a weird fluke where it worked. On XX/XX/XXXX The bank sends me a reference and alerts about impending closing XXXX I was able to change some aspect of my login over the phone with a rep. Thus, I got an email saying that login information has changed. I WANT TO PREFACE THAT EACH TIME I spoke to reps I was always transparent and said where I was. I even expressed misgivings about the phone number saying I am not sure if it will work here but she assured me I could change it later. I follow the previous representatives advice and let the acct close with a plan to re-open and fund the new acct right away to avoid these issues. XX/XX/XXXX : The initial acct is closed. Now, because I had such issues the first time with funding the acct in time I did not want to have the same issue with the new acct. XXXX opened a new acct ( over the phone ). The profile is the same but under my acct info XXXX accts show. XXXX is shown as inactive and the newer XXXX is active. XX/XX/XXXX Ally bank sends me reminders to fund the account XX/XX/XXXX Ally receives my IRS return check deposit. I add my dads phone number so he can help me deposit my return. I did not realize the specificity of adding a joint account holder to do so. The check is in my name and signed by me, but I simply cant get on the website so I enlist his help. I was not intentionally breaking terms. I really didnt realize. XX/XX/XXXX {$1800.00} IRS return check posts XX/XX/XXXX From Ally : We restricted your accounts because we detected suspicious activity on XXXX You may not be able to log in or transfer money out of your accounts. Again, because I had planned to fund this account MONTHS ago and was getting anxious for it to accrue interest. I wanted to transfer a good amount right away. My friend XXXX XXXX ( initials to protect anonymity in this posting as instructed by the bureau ) had owed me money for quite some time, so when she asked me where I wanted to get it sent I had her send it to Ally instead of my longtime, normal XXXX acct. I thought it was a great opportunity to fund the acct more comfortably till I could get to the US and do so myself. I also had her call her bank and inquire. I thought when the acct was drained that the funds were returned to their origin. She has not received a return of the funds but her bank did provide a trace number to show the transfer went through. I only discovered that her XXXX transfer also posted on XX/XX/XXXX when I received my paper statement in the mail that was received XXXX ( but not seen by me until my parents sent me a photo weeks later because I was not in the US at the time ) XXXX I finally manage to call the bank ( Again in a different time zone, have to get connected to US numbers through a service ) I spoke with an agent named XXXX and answered all her security questions. he did say that if the account was closed a check would be mailed to the address on file. She continued to question me and I explained what happened with the login with my dad. She then informed me that the bank believes fraud was committed by my own admission of this login and an investigation would begin immediately and it would be concluded within a week. She would not give me further information over the phone. XX/XX/XXXX The statement shows there was a withdrawl on this date debiting my acct- {$6800.00} ( all of the money in the acct ) The acct is now at XXXX. XXXX statement date ( did not receive or see this document till weeks later ) -- stopped trying to solve this issue until I knew I would be back in the US to be able to make actual progress. XXXX called Ally to inquire about where the funds are- spoke with XXXX -general customer service She was kind and friendly but was transferred around departments/ on hold for a long time before she finally was able to transfer me to a fraud prevention specialist XX/XX/XXXX transferred to- Fraud Prevention Account specialist XXXX I confirm with XXXX that my online login is fully suspended and there is no way to remedy this. Normally, the online login is where checks can re requested to be sent. My only options remaining for communication are phone or po box ( which isn't ideal for sensitive or time relevant information ). She told me returned the IRS check to the IRS but that the whereabouts of the {$5000.00} XXXX transfer are not known. Told me she would escalate the problem and get in touch with the investigations specialists who closed the acct and that they would call me eventually. I spent over an hour on the phone trying to solve this issue ( just with the bank directly ) but have had to call other departments and places ( IRS ) to try recoup funds that are rightfully mine. Please understand that I was doing the best I can to solve this issue from abroad but it seems not likely or possible. I have to contend with the time zone differences, working a full time job and trying to tackle this perplexing problem in the limited free time I have. However, more so for most of this over XXXX month long process no one from your team will tell me what is going on or how I can go about verifying my identity to prove that those funds are attributed to me. After lots of internet research it seems that isolated in your banks terms means the customer service team can not help over the phone and it has been turned over to the fraud team. I understand these investigations can take up to XXXX days? It has been over that period now. There is no other information given or steps to take. To make matters worse, I am now just back in the US for a limited time for the XXXX holiday. I can only receive calls about this on my US number until XXXX at XXXX XXXX. I will not be back in the US until the summer and I worry that somehow the time for action about this issue will have lapsed and the funds will be forsaken even though they are my funds and I am legally entitled to them. PS. Because of the nature of this issue and because I will be abroad very soon for the next XXXX months to finish my working contract- Is there anybody I can empower ( limited power of attorney ) to act on this issue for me? Could such a form be emailed or sent to me? I hope you can illuminate to me how to fix this problem. Thanks in advance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85382
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: After submitting reasonable requests to Ally to prove they did not violate the law, they closed my account, ruining my XXXX XXXX and reputation for less than $ XXXX. Please take note of how Ally handles disputes and customers : - I called in several times this week to get on a hardship plan while awaiting the outcome of the investigation and they closed my account. - Consumers can only pay via a debit card if the account is past due. This policy hinders those who don't want ACH pulls or have difficulty managing their bank balances. - They harass consumers who are behind on their bills violating the FDCPA. Please fine them!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A