Date Received: 2022-06-23
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I began banking and investing with Ally Bank in XXXX. Since then there have been no issues. On XX/XX/XXXX they randomly without warning closed my account. In doing so they froze all my stocks and I was unable to do anything with them or access my money. Then when I was forced to sell at the open on XX/XX/XXXX i incurred a huge loss. Now im waiting who knows how long to get my money still at which point I will have to get a new bank and trading platform and reinvest at a higher cost. Ally was more than happy to take my money and charge me margin interest for years. Then all of a sudden they take these drastic steps that they refuse to explain why or have any justification for that caused my family great financial hardship. A simple warning or asking me to close my account or even addressing whatever mistake ( misconception ) they made could have stopped this problem from occurring. But big old ally bank will go on just fine while i sit and type this with no access to any of my money for the continued future.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 501XX
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: First I got behind on my payment and worked out an arrangement with Ally. I called to make the payment, I was transferred to a third party that charged my card for some coupon scheme. They never processed the car payment. Then I entered into a catch up agreement with Ally and they canceled the agreement the day before the payment was processed. I have called and only get some people who dont speak English. Ally has time and time again not honoring arraignments. They also report inaccurate information to credit agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74137
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: The following disputes were opened on my Ally Checking account ( ending in XXXX ) : I submitted a transaction dispute on XXXX for a ACH of {$550.00} ( XX/XX/22 ). The case number for this dispute is XXXX. I submitted a transaction dispute on XXXX for a ACH of {$1500.00} ( XX/XX/22 ). The case number for this dispute is XXXX. I submitted a transaction dispute on XXXX for a ACH of {$1000.00} ( XX/XX/22 ). The case number for this dispute is XXXX. I submitted a transaction dispute on XXXX for a ACH of {$2400.00} ( XX/XX/22 ). The case number for this dispute is XXXX. I submitted a transaction dispute on XXXX for a ACH of {$2500.00} ( XX/XX/22 ). The case number for this dispute is XXXX. Each dispute was opened as fraud has been committed by the money service business, XXXX, received my funds but against their terms of services did not make the funds available for my withdrawal at any time and have locked my funds. The merchant, XXXX, is now unresponsive and shutting their company down on XX/XX/22. I have no means to reverse my money out via ACH or any other means by the merchant, despite advertising their services in such a way where I could. I asked Ally Bank to investigate this fraud but instead of doing a thorough investigation they closed each of the disputes above and asked me to deal with the merchant directly. As this is a case of fraud, I am requesting Ally Bank to dispute these transactions with the merchant and resolve the case so that I can receive my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90807
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Ally Financial isn't corresponding with any requests that were mailed to them. Payments mailed to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX via certified mail weren't applied to my account. I have mailed them certified letters as well with no response. They are in violation of Title 18 USC 1951
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30342
Submitted Via: Web
Date Sent: 2022-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-22
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: My auto loan with ALLY AUTO was paid off by my house refi and was overpaid on XX/XX/2022. Since then I have called several times regarding the overpayment and gap insurance refund, initially I was told 30 days, at 40 days I called and was told 50 to 60 days. At day 65, today, I was told it may be another 2 weeks. They have my banking information from all of the payments that I made, yet seem unable to just XXXX the money back that they owe me or get a check out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Almost 2 months ago, I was at XXXX and my debit card wouldnt work. I logged into my Ally account to find my savings account listed as closed and my checking account listing a high available funds. Ive been calling them daily and been told they reserve the right to close accounts without warning or reason. I spent 4 hours on the phone with them being escalated only to be told the department in charge does not accept phone calls and an XXXX case would be submitted for them to return my call within 6 business days. There has been no call. How can you not speak with someone to get more information or try to find a solution to at least get my money. Its highly suspect as I disputed a charge of almost {$3000.00} for an insurance plan that issued me an ID card with an ID # that doesnt exist in any medical database nor could the issuer even find it! I have paid for the coverage without receiving it for 6 months now forcing me to pay insane amounts for my life saving medication and been unable to get monthly XXXX as its {$3500.00} a month on top of the {$1000.00} Im paying for coverage thats not being given. I am XXXX, recovering from a divorce where my spouse stole our life savings while I was incapacitated and now having to sell precious items I own of value for tiny cash sums just to afford 1 meal a day and dog food. My dispute was made based on the instruction by the insurance provider, the 3rd party management of said insurance and ALLY BANK THEMSELVES as all agreed the contract had clearly not be fulfilled. An Ally rep directly filled the dispute claim out on my behalf selecting details such a fraudulent due to paying for a service not rendered. I literally acted on the advice of all parties included, but Ally continues to claim A. Theyre missing the additional documentation required ( which has been submitted twice with proof of submission and confirmation of receipt by Ally in my account under their messages feature ) B. Continue the freeze of all my funds in my checking account, never closing it or allowing activity on it. C. have issued a notice of adverse action to XXXX but never followed through or provided any reason or basis for the adverse notice..Im unable to open an account anywhere due to this even having the banks tell me theyve never seen this with XXXX saying the same and to contact Ally again. But again, that dept. doesnt take phone calls. I can not accept a new job offer due to no account existing to set up direct deposit, I can not receive vital medications as each is over $ 300 monthly, I can not get a hold of anyone to resolve the matter, I can not pay any bills and on the verge of losing my electricity my water service my cell service nor can I afford to put gas in my car to leave my home. I literally am about to be on the streets while Ally continues to hold my available funds while doing everything to avoid refunding me the $ XXXX Im owed on top of that. My credit score has now dropped XXXXXXXX XXXX..this is fraud and theft by Ally. Please someone help me before Im to crippled to move and living on the streets! Please, Ive never been so terrified with my bank going in circles and not doing anything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77450
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-20
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: I paid {$500.00} a month extra to shorten the time for pay off. Bank used that money to make payments 8 months in the future instead of paying on the balance. When I sent checks to the bank they cashed one of them for the numerical amount instead of the written amount. Paid off the loan in XXXX XXXX, have not received the title or refund of payments paid in the future. Paid off my loan on motorhome, bank did not send title or release of lien. I have contacted them several times, they said they sent items, I have never received them. Bank is Ally Bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80919
Submitted Via: Web
Date Sent: 2022-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I received a delinquent tax notification from my county that my taxes were not paid. Ally Bank asked me to send them a copy, I did so and they said they would make payment and that I wouldn't be liable for the penalty. I see that my tax payment was deducted from my account on XX/XX/2022, but as of today XX/XX/2022, it has not been credited by XXXX XXXX, CA. I spoke to the county last week and they said that they do not have any record of the payment. I have asked Ally to send me a transaction ID or some other proof of the transfer to see if there was some error in the account numbers or something but they keep responding by email that they have made payment and I need to follow-up with the county. I have been trying to get this resolved for 2 weeks now and they are not acknowledging there is a problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92503
Submitted Via: Web
Date Sent: 2022-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Problems at the end of the loan or lease
Subissue: Termination fees or other problem when ending the lease early
Consumer Complaint: On XX/XX/XXXX, I leased a brand new XXXX XXXX XXXX through ALLY for my business as a XXXX XXXX. As the mortgage rates were at an all time high my business was doing very well but in return it caused me to have high mileage. Upon approaching a year, a had over XXXX miles on the car and I knew I had 2 more years remaining on the contract so I called to try to figure out how I could get out of the contract. I was told that I could sell the car and after a month that's what I did. Ally gave us the amount to settle thee lease and it was paid. I had already made {$6000.00} of on time lease payments. ALLY had me sell the vehicle for $ XXXX which is {$5000.00} above XXXX XXXX XXXX value of the vehicle. Vehicle SOLD. After almost 2 months I receive a call from Ally stating that I owed {$390.00} for choosing NOT to lease with them again. I was told at the selling of the vehicle that all fees were included in that payoff. They already charged me a ridiculous amount for an early termination fee and the Deposition fee was included in the sell price, so why am I being charged another Deposition fee when we were told it was included in the payoff amount along with the early termination fee. The guy XXXX told me that we were being charged another {$390.00} we decided not to lease with them again. To me that sounds like another Deposition fee?!!? I keep asking ALLY for a detail breakdown and ALLY told me that they would not submit that to me until I paid the {$390.00}. How is that right for ALLY to charge me yet again for an amount that was SUPPOSELY included in the payoff? The early termination was added so why am I now getting this amount after being told that ALL FEES were added in the payoff in which they told the dealership on speaker phone. Now what they are going to say is that they didn't include it but they did because we asked for the full balance including fees and that's what was paid. I shouldn't get a notice stating a still owe almost 2 months later because they can keep doing it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60466
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-17
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: On XX/XX/XXXX the cadylic converter was stolen out of my XXXX XXXX XXXX XXXX while it parked in the lot of my apartment. I waited patiently for the parts to come in while paying for a rental car out of my own pocket, I had no choice. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX my job requires a vehicle XXXX XXXX XXXX I have long ran out of patience, but now I no longer have any money to continue to pay for a rental to tide me over until my car is ready. Here is what I'm asking of you : Financial support with my XXXX XXXX XXXX. I'm desperately appealing to you to help find a solution so I can keep a roof over my head.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22304
Submitted Via: Web
Date Sent: 2022-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A