Date Received: 2022-07-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX ran my credit without my consent. ALLY FINANCIAL ran my credit without my consent. XXXX XXXX XXXX XXXX also ran my credit without my consent. XXXX XXXX continued my application when I didn't process it from my phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37115
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Have been an Ally Bank customer for nine years, with checking and savings accounts in good standing. -- - XX/XX/2022 : Received a postal letter from Ally, " RE : XXXX Notice of Account Closure '' dated XX/XX/2022, which states that my accounts will be closed " on or about XX/XX/2022. '' No reason given, other than referring me to the Deposit Agreement. There is nothing in the agreement other than they can close any account at any time for any reason. -- - This sudden closure gives me only 5 days to change banks and transfer my funds. Note that their first class postal letter arrived EIGHT DAYS after they wrote it. If they had simply used their secure email messaging service, I would have had ample time to comply. -- - XX/XX/2022 : I sent Ally a message via their website, requesting the reason for closure and pointing out the lack of sufficient time to change my bank. I pointed out that I had read the Deposit Agreement but was unable to find any more information about this closure. -- - XX/XX/2022 : I applied to XXXX XXXX to open a new account, and await their review of my application. -- - XX/XX/2022 : Via my XXXX account, I requested a cash transfer amounting to the total funds remaining in my Ally account. Such transfers have never been an issue, although it can take a few days for the funds to clear. -- - XX/XX/2022 : Ally replied, but offered no explanation for the closure and simply referred me back to the Deposit Agreement ( I had already explained that I had read it ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: A late payment was reported on my credit report. I've never made a late payment during the life of this loan, when i contacted the company ( Ally Financial ) they provided me a document indicating that my accent is current and has never been late, and that they would correct any discrepancies on my report. To date, that discrepancy is still on my report. I am not sure if it's the credit reporting agency or the company that hasn't fixed it because I've reached out to both with no results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19138
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I HAVE NOTIFIED XXXX THEY NEED TO REMOVE INCORRECT INFORMATION FROM MY CREDIT REPORT. THE INFORMATION HAS BEEN DISPUTED AND THEY CLAIM THEY HAVE VERIED AND VALIDATED THE DEBT WHICH IS UNTRUE. I HEREBY REQUEST THE REMOVAL OF THE FRAUDELENT ITEMS THAT XXXX AND XXXX VERIFIED AS NOT MINE TO BE REMOVED AS WELL BY XXXX AND XXXX IMMEDIATELY. AS I WILL FILE A FEDERAL LAWSUIT IN THE FEDERAL COURTS FRO MULTIPLE DAMAGES AND VIOLATIONS. THEY NEED TO REMOVE ALLY BANK AND XXXX XXXX XXXX XXXX IMMEDIATELY FROM MY CONSUMER REPORTS AS WELL AS XXXX XXXX AS THEY HAVE VERIFIED THE FRAUS ALONG WITH THE POLICE AGENCY WHO VERIFIED THE FRAUD. I HAVE SENT THEM THE FOLLOWING AFFIDAVITS OF TRUTH WITH NO RESPONSE IN OVER THIRTY DAYS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72120
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was looking for a new job and had sent in an application over XXXX for a remote data entry position. XX/XX/2022 file : email XXXX - interview.pdf I received an email with the subject line, " DATA ENTRY CLERK INTERVIEW '' for a company called XXXX XXXX. I looked up the company and found it to be a legitimate business so I continued with the interview process. I was asked to complete an interview assessment online. The link is still active : https : XXXX. XX/XX/2022 file : email XXXX - interview.pdf I received another email saying I was successfully selected and the hiring and onboarding process would be completed over XXXX. I was given a XXXX ID to contact if I needed to schedule with a person from HR. XX/XX/2022 files : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, email XXXX - offer letter.pdf I messaged the given XXXX ID and was put in touch with the XXXX name of XXXX, XXXX. We went thru the duties of the job, the benefits, how the rest of onboarding would go, the offer letter, and the supplies I would be sent. I was emailed an offer letter and returned it with a signature and other documents I was asked for. I would receive supplies ( computer, printer, phone, etc ) after being sent checks which I would then send the funds back. I was told, " Note that the reasons why we send you the funds are to ensure a good working relationship between employer and employee, to observe your dedication and how well you follow instructions and most importantly because of a receipt of payment will be needed upon arrival of the items to enable you claim them! Once you receive the check you are to have it deposited into your account. The funds will be credited and available the following day for you to withdraw and make purchase of the working items. Once the funds is available, you will be referred to a trusted vendor for purchase of the items which will be delivered to your doorstep by the vendor/shipper. '' I would then report back the next day to begin this process. XX/XX/2022 files : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, email XXXX - checks for mobile deposit.pdf, deposit confirmation XXXX I was told I would be sent checks thru email which I would then XXXX XXXX into my account. I was sent a check to deposit of {$950.00}, which I did. I got a confirmation for that and sent the confirmation over XXXX. I said that it was pending approval and we were set to talk the next day. XX/XX/2022 files : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, email XXXX - checks for mobile deposit.pdf, deposit confirmation XXXX, zelle - marcella.png Because of the check confirmation I expected the {$950.00} would show up in my account in a day or XXXX so I continued in the process in the meantime. I was told to send {$850.00} to XXXX XXXX, XXXX, over XXXX to pay for a XXXX. This would leave {$100.00} ( $ XXXX $ XXXX {$100.00} ) as a sign on bonus for me to keep. I had enough funds to cover this before the check was deposited so I went through with the payment, which was confirmed on the other end. I was then sent another email, in the same thread, with a second {$950.00} check to deposit into my account. I deposited the check and received the confirmation so I expected there would be another {$950.00} in my account in the next few days, tho it was pending approval. We were set to speak the next day. XX/XX/2022 files : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, deposit confirmation - XXXX, email XXXX - checks for mobile deposit.pdf, email XXXX - funds availability.pdf I was asked if the second check 's funds of {$950.00} was available in my account. I was still expecting them to come thru in a few days, for a total of {$1900.00}. I was able to move some funds around so I had {$950.00} to use for the next step of the process. I was told to send this {$950.00} to XXXX XXXX, XXXX, over XXXX. I sent the money and it was confirmed to be sent. Next I would receive a third check to deposit into my account in order to purchase supplies for the job. The check came in on the same thread as the XXXX times before. I deposited the check and received a confirmation. I was told that we would speak later for further updates. Later that day I received an email from Ally Bank saying that the funds from the deposit of this day were " subject to an extended hold because we have confidential information that indicates that the check may not be paid. If the check is not paid, we'll notify you by mail. '' I also opened XXXX of the same emails that were sent on XX/XX/2022 saying the same thing about the first two deposits of {$950.00}. I realized I was scammed. I called Ally Bank to report the scam and was told the Fraud department would work on my case. XX/XX/2022 - XX/XX/2022 files : XXXX - XXXX I filed a report with XXXX. I called Ally to report this as a scam and dispute the XXXX outgoing payments of {$850.00} and {$950.00}. XX/XX/2022 files : XXXX XXXX XXXX attempted to contact me multiple times, I asked for my money back over a phone call and the call ended. XX/XX/2022 files : decision letters.pdf I was sent XXXX letters from Ally which had the results of the investigation. They concluded that, " no error occurred and the disputed transaction is considered authorized because : The disputed transaction was completed with a merchant with whom you have an established relationship. As a result, the transaction will remain posted to your account. You have a right to request a copy of the information that we used in making our decision. '' XX/XX/2022 - XX/XX/2022 files : email XXXX - locked account.pdf Over these days I had calls with Ally bank due to being sent multiple emails saying that my account had been restricted. The final time I called to talk to Ally, I asked for XXXX things. The first was to get a copy of the information that was used in the decision making, the second was why I still couldn't access my account. I can not access my account at all at this point due to a decision being made if my account will be closed or not. I was told nothing about getting a copy of that information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80910
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I noticed unauthorized inquiries on my report & noticed someone had applied for something in my name. according to the FCRA ( Fair Credit Reporting Act ), legally these unverified & unauthorized items MUST be removed. Company -- -- -- -- -- -- -- Date -- -- -- -- -- -- Authorized/Unauthorized -- -- -- -- -- XXXX. XXXX XXXX XXXX unauthorized XXXX. XXXX XXXX ( Bank ) XXXX XXXX unauthorized 3. XXXX XXXX XXXX XXXXXXXX ( XXXX ) unauthorized XXXX. XXXX XXXX ( Bank ) XXXX unauthorized XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX Bank XXXX XXXX unauthorized XXXX Bank ( Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX unauthorized XXXX. XXXX XXXX ( XXXX ) XXXX unauthorized XXXX XXXX ( XXXX ) XXXX unauthorized XXXX. XXXX XXXX XXXX unauthorized XXXXXXXX XXXX XXXX XXXXXXXX unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unauthorized XXXX XXXX XXXX XXXX unauthorized XXXX XXXX XXXXXXXX XXXX XXXX XXXX unauthorized XXXX. XXXX XXXX XXXX XXXX unauthorized XXXX. XXXXXXXX XXXX XXXXXXXX unauthorized XXXX. XXXX XXXX XXXX unauthorized XXXX. XXXX XXXX XXXX XXXX unauthorized XXXXXXXX XXXX XXXX XXXXXXXX unauthorized
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-04
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: FRAUD BY ALLY BANK EMPLOYEE ; funds embezzled Set up external bank XXXX XXXX transfer at ALLY bank website between my ALLY online saving and linked XXXX XXXX BANK saving account. Submitted EFT ACH transfer on ally bank website from my XXXX XXXX bank account to ALLY BANK online savings account for {$98000.00}. XXXX XXXX bank received this request and honored it, sending the funds to APPLY BANK and provided monthly statement showing valid transaction, which is uploaded. ALLY is claiming they never received funds even though XXXX XXXX bank statement showing withdrawal provided to them. Clearly ALLY BANK employee has embezzled the funds. I request CFPB to file complaint and investigate
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85710
Submitted Via: Web
Date Sent: 2022-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Ally.com is not replying to my email about when they will send me an ATM card. Calling and chat requires VERY long hold times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VT
Zip: 053XX
Submitted Via: Web
Date Sent: 2022-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-04
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Ally Bank will not respond to CFPB requests to investigate. Ally Bank will pacify CFPB will a letter but will never investigate fraud to my account. Ally Bank has refused to investigate my fraud charges that they let happen to my account! Now they want me to pay for the fraud charges or they will ruin my credit if i don't pay for the XXXX charges they allowed on my account by XX/XX/2022. Bottom line DO NOT OPEN any account with Ally Bank unless you want to pay for people to steal money from you. If you like that type of thing Ally Bank is the bank for you! They will let anyone register a new debit card then charge a bunch of fraudulent items to it and make you pay for it as they are doing in my situation. My hope in contacting CFPB is to make others aware that Ally Bank will not protect your account and will willfully neglect basic security protocols and let an unregistered phone number register new debit cards and create new pin for your account. In 2022 you would think they wouldn't allow this but you would be wrong. Ally Bank created the problem because they allowed " FRAUDSTERS '' to register a new debit card to my bank account without my knowledge using a phone number not registered to my bank account. I discover the fraud and filed with Ally Bank in hopes they would resolve the negative charges to my Ally Bank account but they have not bothered to look into it. Ally Bank just wants me to pay for Fraud charges without any investigation. My problems began when Ally Bank mailed out a new debit card without my knowledge or consent. I'm not sure how the new debit card was delivered but based on my experience with Ally Bank they probably left it on the front sidewalk or by the front door allowing someone to easily take off with it. To make matters worse Ally Bank allowed the " FRAUDSTERS '' that took the debit card to register the new debit card and use it with ease. No one at Ally Bank stopped them despite using a phone to register the new debit card that was not registered to my account. To my surprise they simply stated the fraud charges are yours because the PIN NUMBER used was not used multiple times and it it was used in your area. 1. On XX/XX/2022, some fraudster charged {$400.00} at a bank in celebration Florida. 2. On XX/XX/2022, i became aware of this and was told that a new debit card was sent out by Ally Bank and it was the new card that was used to take $ $ $ from an ATM in Celebration Florida. I asked that both my old debit card that i had in my possession and the new one be turned off immediately. Unfortunately, a week later Ally Bank continued to allow charges to the new debit card go through despite turning it off. 3. I no longer wish to be a customer of Ally Bank due to the way they have handled the whole debit card fiasco. Ally Bank created the problems and allowed a non registered phone to start the new debit card and allowed them to create a new pin number. 4. I wish only to close out my account and move on but I'm not willing to pay for their incompetence and neglect of my debit card. They have told me i need to pay for the fraudster charges or they will ruin my credit by XX/XX/2022. 5. Its wrong that they are strong arming me into paying for a fraudsters charges due to their incompetence. I want to close out my account and be done with subpar Ally Bank. I need help resolving my concerns and having a proper investigation done to prove once and for all that Ally Bank failed on all levels of basic security to secure my account and stop charges from going through that clearly where not mine. I hope that someone at CFPB will investigate the scam Ally Bank is running on me and i hope that anyone consider Ally Bank finds another bank to do business with because you might be in my situation and forced to pay for SCAMMERS & FRAUDSTERS charges to your account with zero help and zero protection from Ally Bank. Ally Bank is worthless!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34747
Submitted Via: Web
Date Sent: 2022-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-01
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I contact you to help me get my money back from ally bank. they responded with a letter as you will see in case file. XXXX they said that irs said check are not valid they are. look at what XXXX said. XXXX is the VA XXXX XXXX XXXX. that as i live in XXXX. I am XXXXXXXX from the XXXXXXXXXXXX i get paid for XXXX XXXX I have the Email from XXXX of XXXX to show ally bank has kept my funds. they cashed. checks cleared. No holds on checks. we had 2 hours phone. she seen they haver my money. so many phone calls. yelled at told to stop callimng ' " key line they said. IRS said checks no vaild. they calledd IRS? I am XXXX I want them to move my money to my XXXX XXXX account. ASAP before I go US embassy call FDIC fraud police.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 261XX
Submitted Via: Web
Date Sent: 2022-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A