Date Received: 2022-06-12
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: On XX/XX/2022 Ally received by certified mail a XXXX $ money order from me with stipulations ( Exhibit A XXXX ) that were in accordance with what Ally has written on the back of the statement ( Exhibit B ) which indicates they know about the UCC codes and expect people to use them, i didnt expect it to work but i gave it try. after Ally received the payment they put a freeze on my account stating they were having problems processing it ( Exhibit C ) up until that point my account was in good standing then Ally returned the payment ( Exhibit D ) so i logged into my account to pay my bill on XX/XX/2022 and saw that there was still a block on the account so i couldnt make a payment i then gave Ally a call on XX/XX/XXXX & XXXX 2022 ( Exhibit E 1-2 ) to find out why i couldnt make a payment. Both times i was told after a XXXX convo that there was a stop payment on the account and that it would be off in XXXX hrs. so on XX/XX/2022 i sent Ally a certified and notarized notice of intent ( Exhibit F 1-3 ) letting them know i am filing a complaint with the FTC ( which sent me to CFPB ) and the XXXX as well as the U.S. Attorney Generals Office so they can be investigated for this shady business practice because it didnt take XXXX to put a stop payment on my account but its taken more than XXXX to try to get it off so i can make a payment. As of today XX/XX/2022 the account is still on hold ( Exhibit G XXXX ) Ally is purposefully an with malicious intent keeping my account status like it is to force me into default on the loan so that they can ruin my credit an repossess the car this is a illegal business tactic being used by a predatory lending company. This blatant violation of MGL 93a section 2 is causing me unwanted pain and suffering. At this point a repossession attempt by Ally would be illegal because of the illegal business tactics that are being used
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01109
Submitted Via: Web
Date Sent: 2022-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-12
Issue: Lost or stolen check
Subissue:
Consumer Complaint: It it is extremely troubling that a institution that is handling millions of people 's personal information, not to mention their money would be extremely negligent and irresponsible and allow a person to walk into their establishment with a check that isn't issued to them. How can you allow a person, in this case, XXXX XXXX to endorsed and deposit a check that was issued to me. Obviously, the names and address aren't the same! This is a gross injustice and Ally Bank must answer for this breach of trust and their failure to completely scrutinized this transaction by this thief, before allowing him to deposited a check that isn't his, especially without any proper identification. What type of legit financial institution would allow this to happen and instead of taking responsibility for their failure to check the credential of individuals depositing, or taking out money from their establishment?. In addition, it is extremely frustrating that the IRS, who are supposed to have their own investigators failed to, or neglected to take this matter seriously. In fact, I did the job that the IRS investigative team should have done, but failed to do. as I XXXX the name of the bank that was on the photocopy check that the IRS sent me. I was told by various supervisors and representative at Ally Bank that this thief XXXX XXXX was a customer. After many more correspondences with member of Ally Bank 's Lost Prevention Department, they apologized to me for their egregious error. In addition, they told me that they closed XXXX XXXX 's account, once they relied it was a case of identity theft. However, they told me that I can not do anymore on my own because I am not a customer, instead the IRS must contact them, in order to retract the money that XXXX XXXX illegally deposited and they irresponsibly allowed. The IRS decided to deny me the {$9600.00} refund that I am owed, instead they took out {$6.00}, XXXX from the check that was stolen by XXXX XXXX and deposited into his account at Ally Bank. I am being held responsible for the crime that XXXX XXXX committed against me and the gross negligent by Ally Bank in allowing him to endorsed a check that wasn't addressed to him. I was only refunded {$3.00}, XXXX. This isn't right and I implore the IRS to do the right thing and give me the money that I am rightfully owed. I look forward to hearing from you soon and receiving my entire refund check. I would like to thank you for your time and cooperation!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2022-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-11
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: ALLY Bank froze and closed all of my accounts and denied access to my accounts completely a few days after I received a large pandemic XXXX XXXX {$10000.00} USD deposit from the Small Business Administration due to the name on the check being my business name " XXXX XXXX '' and did not match my real name on the bank account, " XXXX XXXX ''. I attempted to resolve the issue by providing my business license and DBA ( doing business as ) but they told me that they had already begun an investigation into my account and that I needed to contact the " US Treasury ''. Nobody at the treasury knew what was going on. I had 3 accounts open with ALLY - a checking account, a savings account, and a joint account with my partner. On XX/XX/XXXX ALLY Bank closed all of my accounts and withdrew a " DDA Debit Memo '' which took every last cent out of my bank accounts at the time was totaled at {$4100.00} USD. Received a call from ALLY Bank Called Ally on XX/XX/XXXX at XXXXXXXX XXXX XXXX US Time. I returned their call at XXXX XXXX XXXX US Time and found out about my account being closed and being under investigation for " suspicious activity. '' They provided a link for me to submit identification documents, which I did. I received no response. Called ALLY again on XX/XX/XXXX at XXXX XXXX for an update, they were unable to provide any information on an update but made notes on my account to help their investigations department. Called ALLY again on XX/XX/XXXX at XXXX XXXX for an update, they told me they can no longer help me as my accounts are completely closed and they will not reopen them. Called ALLY again on XX/XX/XXXX at XXXX XXXX and they told me the same thing as before. Called ALLY again on XX/XX/XXXX at XXXX XXXX and they told me that there is nothing more they can do. I have almost lost all hope at this point and have been patiently waiting for ALLY Bank to conclude their investigation and send me my money back. I have received no word from them at all, I need my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98682
Submitted Via: Web
Date Sent: 2022-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-11
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I FELL LIKE MY CONSUMER RIGHTS HAVE BEEN VIOLATED according to 12 code of federal regulations 226.23 right of rescission
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60615
Submitted Via: Web
Date Sent: 2022-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-11
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: Ally has stolen my property, refuses to give me my title as my car is paid off. Ally Auto continues to violate my rights, causing me massive stress, grief and loss, and also continues to violate my demands and request according to the FCRA. Ally has confirmed the car is payed off via email. ( see exhibits ) Ally received my certified mailed billing error Notice ON XX/XX/2022. I received on XX/XX/2022 a correspondence from Ally acknowledging receipt of my billing error notice and promised to respond as soon as possible ( see exhibits ) with an investigation on account ending in XXXX which BELONGS TO ME via originating my credit card ( 15 usc 1602 ( l ) Ssn # ) by financing on this consumer credit transaction. INSTEAD of responding back with a correspondence/investigation THEY STOLE MY PROPERTY ON XX/XX/2022 Which is a criminal offense and also in violation of 12 cfr 1026.13 ( b )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08104
Submitted Via: Web
Date Sent: 2022-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-10
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Please reopen complaint XXXX. The company, Ally Bank, didn't to respond to our complaint that their automated system failed to work - rather, Ally reiterated WHAT HAPPENED 'because their automated system didn't work '! In addition, their system sent our monthly statements to some address in XXXX, not our address ( XXXX XXXX XXXX XXXX XXXX MI XXXX As a consequence, we were not even informed that their automated payment system failed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48105
Submitted Via: Web
Date Sent: 2022-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-10
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: In the year 2022 so far, I've seen my app and desktop services malfunction at least half the time, well over 15 times when trying to use them. My phone app repeatedly lies and tells me my phone isn't register so I'd have to redo it, the face ID doesn't work. Then the desktop gets essentially unusable and stays stuck in loading phase at the beginning of opening the desktop system. Only once have I called and they said " we're having a current down time maintenance '' as if there may be some explanation. Otherwise the reps seem to chalk it up as something they'll " look in to. '' I haven't seen any resolve and this system sucks horribly. Also I don't have a wave tip option to my atm card so w covid I have to sit there and punch in the codes and get exposed everywhere I go.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78664
Submitted Via: Web
Date Sent: 2022-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The company, Ally Bank, failed to notify us that their automated system failed to work because they sent our monthly statements to some address in XXXX, not our address ( XXXX XXXX XXXX XXXX XXXX MI XXXX. As a consequence, we were not even informed that their automated payment system failed. This complaint differs from XXXX - which is based upon their automated payment system not working. This complaint is that Ally changed the mailing address we gave them ( above ) to some address in XXXX. After some investigation, it appears that someone who shares my name put in a change of address form with the USPS and that Ally has some kind of automated system for culling such change of address information. As a consequence, Ally stopped sending us monthly notices. Therefore, we had no way of knowing that their system failed ( until we reviewed our bank statement at the beginning of the following month ). Their assertion that they 'correctly reported a late payment ' is FALSE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48105
Submitted Via: Web
Date Sent: 2022-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-11
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Ally Financial was closed out from Bankruptcy has {$0.00} balance** XXXX XXXX XXXX is still showing from XX/XX/2013 past ( 7 ) years**** XXXX XXXX XXXXXXXX was paid off in full and still showing on my credit report***** XXXX 's is still showing on my credit report closed out in XX/XX/XXXX, XXXX XXXX XXXX is still showing on my credit report closed out XX/XX/XXXX, XXXX Bankruptcy was dismissed XXXX XXXX ****
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72076
Submitted Via: Web
Date Sent: 2022-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: After looking on my credit report, i've noticed accounts that in my name with my authorization. My information was available on the dark web after my identification was stolen. The companies below have not acknowledge the fraud on these accounts. XXXX XXXX XX/XX/XXXX {$7600.00} ALLY FINANCIAL XXXXXX/XX/XXXX {$13000.00} XXXX XX/XX/XXXX {$2500.00} XXXX XX/XX/XXXX {$870.00} XXXX XXXX XX/XX/XXXX {$10000.00}
Company Response:
State: CA
Zip: 90017
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A