Date Received: 2022-05-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I made a deposit of XXXX dollars into my Ally bank account on XX/XX/2022 and the funds were made available XX/XX/2022. Once the money was in my account I transfered the money to my property manager on XX/XX/2022 for past due rent. For some reason that action caused them to freeze my account. I have been calling daily and getting no answers. When it first happened I spoke to someone in early XXXX that claimed they just needed to verify my check and then my account would be unlocked in 5-10 business days. Its been over 2 weeks now and I still have no answers. Its the only bank account I have and with no access to my money Im worried that my power & phone will be shut off soon. Im not sure why I am being treated like a criminal, the check was from the state of california so I dont understand why my account was frozen over it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90016
Submitted Via: Web
Date Sent: 2022-05-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Problem when making payments
Subissue:
Consumer Complaint: I make my monthly payments of {$180.00} in advance of the due date starting on XX/XX/XXXX. I have sent them 7 payments. I received an email stating my XX/XX/XXXX was late. I confirmed they have received 7monthly payments, but 2 payments were applied in XX/XX/XXXX. Ally Financial states they can not adjust the prepaid payment to credit XX/XX/XXXX. I have to send another payment. This is the most absurd policy I have heard. Penalize someone for paying in advance?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15001
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I've been paying {$340.00} a month for XXXX to Ally Bank XXXX XXXX XXXX Never have missed a payment till covid happened I've taken a huge financial hardship and burden the last 2 years especially with the economy the way it is. I have XXXX kids work full time and own my house. I've consistently called emailed and chatted online with countless people at Ally Bank. Nobody will offer any help they have me upside down in the loan. I've barely paid anything off and I've paid thousands and thousands of dollars. They refuse to do a payment modification for financial hardship. They offer absolutely zero compassion or any options. This is absolutely unacceptable and just wrong.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30277
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I was offered {$150.00} bonus money by Ally XXXX on the condition that I opened an investment account with them by XXXX/XXXX/22 and deposit {$500.00} by XXXX/XXXX/22. The bonus money was supposed to be deposited to the new account by XX/XX//22. I followed their instruc t ions but they did not send the bonus money of {$150.00}. I called them on XX/XX/22 to inquire, the representative told me that I was entitled to the money bonus, but not sure why I hadn't received it. He gave me a case number. I've attached three emails from Ally XXXX. One email shows the original offer they gave me, another email shows that I had opened my account. Another email shows a case number with them regarding my complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 225XX
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Debt was previously settled with another XXXX Appears original creditor is still trying to collect the remaining balance after agreeing and accepting a lump sum settlement payment. Tried to call new XXXX no one answers the phone!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44129
Submitted Via: Web
Date Sent: 2022-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: N accordance with Fair credit reporting act account # XXXX has Violated my rights 15 U.S.C 1681 section 602A. State I have Right to privacy 15 U.S.C 1681 section 604 A section.2 it also state consumer reporting Agency can not furnish a account with out my written instructions
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 703XX
Submitted Via: Web
Date Sent: 2022-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hard inquiries that were fradulent and should be removed from my consumer report. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Ally Financial
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77583
Submitted Via: Web
Date Sent: 2022-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-06
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This complaint relates to Complaint ID XXXX Ally Financial Inc. filed a false Federal Form 1099C in violation of Treas. Reg. 1.6050P-1 and N.Y. Personal Property Law 343 ( 2 ). Ally abandoned any right to collection several years ago because it lacked any basis in law, or fact, to prosecute any claim for collection given its failure to serve the proper notices as required by the state statute and given the lack of merit to any claim of damages to the vehicle. The fact that no receivable could have possibly existed as a matter of state law, would preclude Ally from waiving or forgiving any monetary amount. You can't cancel or forgive a debt that never existed. I am respectfully enclosing copies of my most recent letter to Ally dated XX/XX/2022 together with XXXX exhibits to substantiate my complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-06
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 card account under an open end consumer credit plan as late for any purpose. XXXX XXXX 2021- XXXX XXXX 2021. I submitted over five payments and they were all sent back from the bank. amount {$510.00} was reported late when it wasn't by XXXX XXXX bank XXXX. I made multiple payments. I called daily I have claim numbers as well when I called .XXXX my late fee 's were deleted because the payments were made on time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23666
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: My payment due date on this vehicle purchased through Ally Auto finance was changed and was never updated on my credit bureau so my report shows XXXX late payments. I tried resolving this issue with the creditor to no avail. The vehicle has since been off in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44124
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A