Date Received: 2022-06-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I initiated a wire transfer on XX/XX/17, the following business day Ally Bank froze my account. It's been 7 days that I can't login to my account or access any of my funds. I called their " Loss Prevention Line '' and answered the security questions requesting that they unfreeze my account but they keep saying they are looking into it and never get back to me in a timely manner. I don't know how long more this is going to go on for but it's unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2022-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-26
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I have already discussed with Ally Auto that I am going to begin to have issues with payments due to losing my higher paying job due to Covid reasons I have been successful at completing all transactions however I now Im having another issue with is the fact that I have a medical emergency I was involved in a motorcycle accident where I was the XXXX XXXX XXXX XXXX I ended up falling off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can XXXX I was told that I can not have payment extensions due to the fact that the loan is a new loan and the current amount still owed is kind of high however I have a medical emergency I am now waiting on XXXX to be filed because I have no XXXX date and my medical insurance is not fast at doing this process I am not happy that the fact that Ally auto denied any payment option besides basically repossessing the car that I now have to drive because my motorcycle I cant drive with a XXXX XXXX XXXX XXXX and vehicle that I need could get repossessed because Im probably not going to be able to pay that over my rent and its going to be a while before the XXXX gets even approved and scheduled XXXX gets done before I can even return to work as well
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92115
Submitted Via: Web
Date Sent: 2022-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act Ally Financial Account number XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29115
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: About 2 months ago, I tried to link an external account to my Ally account but got an " unexplained error. '' I am not unable to link any new external account from within my Ally account. Over the past XXXX months, I have chatted and called in 10+ times, always waiting on hold for XXXX minutes. When I speak to a rep, I am always told the case ( case ID XXXX ) has been " escalated '' and I will receive a call back in 1-2 days once the issue is resolved. I was eventually told that while Ally 's external account limit is XXXX, and I have about half that, because I have previously had XXXX ( over my history with Ally ), the system has a flaw where it's still thinking I've hit the max number of external accounts. Ally 's solution is to raise my external account limit. Every time I call, I am asked to retell my story from the beginning. A few days ago, I finally learned that while the case had been " escalated, '' it was labeled " low priority, '' even though every prior rep had specified it was labeled " high priority. '' Additionally, whoever initially created the case filed it with Ally 's " Loss Prevention '' department. I spoke to a rep in that department who apologized it had been incorrectly filed to them but that he had no way of changing how it was filed. He suggested I call Ally 's " ACH Ops '' department, but when I call back the next day, the rep wasn't able to locate any department by that name/type. This is an incredibly easy fix : either raise my external account limit or fix why the system is seeing previously-deleted accounts as still present. Ally is my and my wife 's primary bank, and we regularly keep around $ XXXX present, but we will be unable to continue using it is this issue isn't fixed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90292
Submitted Via: Web
Date Sent: 2022-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I traded my n my XXXX XXXX to XXXX XXXX in XXXX tn for a new wago and they had some kind of internal issue which I spoke with XXXX and numerous managers about and somehow it fell through the cracks and they failed to pay my XXXX off which we had a load through ally still and it was reported on my and my husbands credit as late/delinquent because it took them over a month to pay it off all while they had it listed on their site to sell. We had been with ally for many years on several different loans and NEVER been late on a single payment in my life. Ive priced myself on my credit and this has completely and unfairly effected my ability to purchase a home. We work very hard and have XXXX children we support and this is WRONg that we are being penalized for their error of not paying off the vehicle to slip through the cracks when we were paying in a new vehicle. After numerous phone calls they finally paid it off and then I got another statement that there was a balnce of {$18.00} that still wasnt paid off which we just took care of because we didnt want any further damage to our credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 371XX
Submitted Via: Web
Date Sent: 2022-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-24
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened an account at Ally bank on XX/XX/2022, under the premise that it was an online bank, does not have a physical presence in my state, and would be receiving my debit card in the mail after my first direct deposit. I selected the debit card option during the sign up process. After selecting this option, the website displayed a message that informed me that the card would arrive within 5 business days of my first direct deposit. My first direct deposit of {$490.00} posted to the account on XX/XX/2022. By XX/XX/2022 I still had not received my debit card, and still had no access to my funds, so I contacted customer service through their mobile app. I was connected with an associate who identified themselves as " XXXX from Florida ''. When I explained the situation, they told me that the debit card had not been ordered during the sign-up process. I informed them that I absolutely selected the debit card option during sign-up, and that the mistake must be on their end. She informed me that I would have to order a card manually, which could take another 10 days to arrive, and they would not expedite it without charging me a {$15.00} fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AK
Zip: 995XX
Submitted Via: Web
Date Sent: 2022-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I pulled my credit file on XXXX and saw that Ally Financial pulled my credit report without my permission. I called and spoke with a rep in the customer service department XXXX agent # XXXXand he stated that he would send it to the fraud department and after investigation they will contact the credit bureaus. The problem I have with this, they only asked for my name and address, which I provided. I explained to him that that was generic information and I couldn't imagine that that's all the info he needed. In there phone system I put my social security number and no account popped up. He couldn't explain to me why Ally pulled my credit on XX/XX/2022 without my consent ; therefore, I have placed freezes back on my credit report and I am filing this complaint. I need this off my credit report and this company to be held accountable fir fraudulent practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39503
Submitted Via: Web
Date Sent: 2022-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: The complaint I have with each company is, my rights were violated. I recently came across information from the Federal Trade Commission more specifically the Gramm-Leach-Bliley Act 15 USC 6802. On one of the accounts ( XXXX ) my now ex-husband purchased the unit with me as the buyer and him as the co-buyer with all of my information. I never signed any documents, nor did I give him premission to do so, because we were married at the time, I didn't want to prosecute him. After looking at the original documents. I've never lived at the address on the document, nor did I sign anything, someone had to sign my name. I will attach all of the following correspondence letters I've sent to these companies as of XX/XX/2022 with no resolution. My student loans have also been XXXX due to a permanent XXXX, but they're still being reported.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 721XX
Submitted Via: Web
Date Sent: 2022-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-24
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I had a loan through Ally for a used XXXX XXXX XXXX I bought from XXXX the loan was re-financed in XXXX through XXXX and then paid off in full. on XX/XX/XXXX I truck the car back to XXXX resulting in them issuing a refund for the warranty remaining in the amount of {$670.00}, This had to be issued to Ally Bank as it was the original source of payment. I've contacted Ally Bank numerous times since XX/XX/XXXX and get the run around every time, and I have yet to get the check. Sometimes they will say they see the credit but no date of when I will get the check, other times they claim there was no overpayment even though the check was refunded after it was closed and that I am due no refund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 241XX
Submitted Via: Web
Date Sent: 2022-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, I filled out a dispute with Ally Bank for {$280.00}, since I hadn't spent the money. I submitted proof from the merchant that my account was not responsible for the transactions, but they found against me in the dispute anyway. I asked to see their proof that I was responsible for the spending, since cursory XXXX has told me that someone pretending to be XXXX and pulling cash out of your account is not an uncommon scam. On XX/XX/XXXX I requested a copy of their " proof '', and still have not received it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 52302
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A