Date Received: 2022-05-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX Account # 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 a Account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end plan as late for and purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39466
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I had a HELOC managed by Ally Bank on my former home. I sold that house on XX/XX/2021. My title company got payoff information from Ally and the account was paid in full on the day of closing. Of course, I cancelled my homeowner 's insurance on that date as well, since I no longer owned the property. Ally Bank immediately force-placed insurance on the property. I have spent about nine hours on the phone with their customer service department and corresponded by mail explaining that I no longer own the house. They concede that the mortgage account is paid in full but they are insisting that the HELOC is still open. They claim that I owe them the premiums for two years worth of homeowners ' insurance on a paid-off house that I no longer own. I have contacted the XXXX XXXX XXXX XXXX ( the insurer from whom Ally Bank says they have obtained a policy ) and they have not received any premium payments from Ally Bank. Ally Bank is sending dunning letters threatening to foreclose on the property ( good luck with that! )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63123
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: ally financial isnt reporting XXXX XXXX isnt reporting XXXX isnt reporting my XXXX XXXX XXXX card isnt reporting my XXXX XXXX isnt report XXXX shows i only have oone trade line and when my credit gets pulled it say stuff that isnt me and shouldnt be reporting
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Got this notice from Ally on XX/XX/XXXX : Youve made 6 limited transactions from your XXXX XXXX Savings Account this statement cycle. I immediately called Ally and told rep that all three withdrawals totaling over. {$21000.00} were fraudulent and that I did not authorize any withdrawals. Ally rep set up new account and said all the remaining balance was being transferred to it. The old account was still open on XX/XX/XXXX and I called Ally again and told them a {$10.00} deposit was made that day ( fishing ). Rep told me Ally was handling under their Dispute Number XXXX. Rep also said it could 10 days before a decision was made and that he could not determine if my personal info been stolen. Requested that all the fraudulent charges be immediately credited back to my account and advice whether or not my personal info was stolen. I called on XX/XX/XXXX. XXXX said it could take up to 60 days for them to finish their investigation. Said to refer to : Reference Number XXXX Only one fraudulent transaction for {$5700.00} has been credited back to my account. The other two fraudulent charges totaling {$15000.00} are shown as Prov Credit for Dispute. I should not have to wait to get my money back. ALLYS POOR SECURITY CAUSED ALL THIS!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Im complaining on XXXX XXXX and XXXX after they have told me to get a approved police repoRt that my identity has been stolen which took the detective 10 months to finall Approve my identity was stolen by an ex roommate and boyfriend of mines years ago they will not accept my documents i have been doing this for months and the detective did a thorough investigation for 10 months before he approved the police report i need ally financial to get this off my credit report asap the email address they have on file is incorrect to mines telephone number and bank account that the payments were made from didnt match my bank account at all..the address they have on file is not affiliated with me..they even have a password on the account that i can not identify which i have the recording of several agents i spoke too.i even advised all three credit bureaus that i can not speak to ally financial because i can not identify the correct information on the account and they still refused my police report and also ally financial refused to send me a fraud affidavit packet to have the detective fill out as approved investigationjust because a company can verify first and last name and date of birth and social doesnt mean that they acknowledge the account or have any affliction with it..i never even had license for over 5 years to even get a vehchile i have a medical condition/disablity i have a fraud alert on my profile for over 5 years
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33570
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I was sent a generic notification that my accounts will be closed on XX/XX/XXXX. There was no reason given, other than to refer to their " deposit agreement '' page XXXX section XXXX. It states Ally Bank can close my account for no reason. Surely there must be a reason, I am in good account standing, I work an honest job and make good money, I am not a criminal. I have attempted calling, chatting, and secure emailing through their web site, as well as posting on their social media and messaging thru social media. The only replies I have gotten were when calling. First call XX/XX/XXXX XXXX ( duration 40 minutes ) said I would need to call back during business hours and speak with deposit operations. Called back during business hours XX/XX/XXXX, ( duration 37 minutes ), was told I could not speak with deposit operations department and that there was no further information to be given as to why they are closing my account. Was put on hold to speak with a supervisor and was hung up on. Called back 3rd call XX/XX/XXXX ( duration 9 minutes ) put on hold again and disconnected. Called back 4th call XX/XX/XXXX ( duration 33 minutes ), was supposedly put on the line with a supervisor who was not friendly and very defensive. Said they are not required to give me a reason why they are closing my account. Chat agent said they would be escalating this to a supervisor who would reach out to me. I asked how they would be reaching out- call? email? carrier pidgeon? smoke signals? They could not confirm how the supervisor will be reaching out. So it appears they are chosing random customers to close their accounts for no reason or are going out of business and closing accounts instead of being up front.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33020
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have ordered plain checks from Ally, which are sent without charge, and I was charged for them. Ally Bank has no ability to answer phone calls or customer service texts at this time. They are unreachable for any correction of this charge, which means they have stolen money from me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22042
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XX/XX/2022 There were 3 attempts on my checking/savings account to fraudulantly withdraw money from my accounts via wire transfer. I contacted ALLY.com XXXX attempting to resolve the problem. XX/XX/2022 ALLY locked down my account preventing me from accessing my money. I have made over a dozen calls to ALLY and to their Loss Prevention or so called Fraud Department ( XXXX ) XXXX. I have been told an investigation will call me & they have not. I attempted to contact them via their XXXX account and XXXX account and was texted someone would call me. I want my money back XXXX XXXX it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 049XX
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have a checking/saving account with Ally Bank XXXX I was sent a check to deposit which ended up being fraudulent. I was not aware of the check being fraudulent. I asked to cancel the deposit. I destroyed the check. It was sent to me from an online relationship. The bank proceeded to freeze my account. I had money in the account to pay my rent and they returned the check for my my rent. This caused me to receive an eviction notice. They have not allowed me access to my funds for over a week. This is not acceptable. I need access to my money. I asked them to just close the account and send my funds to a new bank. They will not do that. I have never had a bank behave in this manner. I have had fraud investigations before for fraudulent activity on my account but my account was not frozen so that I could not access my funds. In this day and times, individuals have people that access their credit information and abuse their information. Unfortunately, this is the norm today. This is my income that that they have frozen. This is my livelihood. What right do they have to freeze my income? They have now cost me additional fees due to the returned check to my landlord.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77581
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I have an account with Ally Bank and received a notification on XXXX regarding a negative balance. I reviewed the account and saw that there were charges to XXXX in the amount of {$27.00}. These charges were paid around the XXXX of each month. I did not authorized these charges. I try calling Ally Bank ( XXXX ) on XX/XX/22 but the wait time is longer than one hour which do not allow me to be on due to my work. I did call their fraud hotline ( XXXX ) and submit a claim which will probably take sometime for them to resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A