Date Received: 2023-12-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: This letter is to file a complaint against Ally Bank for the way it has handled my EFT dispute which has gone against the procedures outlined in Reg E and the EFT Examination Checklist which is provided in the REG E policy statement provided by the CFPB website. On XXXX, I disputed several charges appearing in my XXXX through XXXX statements. I was sent an email and a letter outlining what the bank was going to do and what they were not going to do. Chief complaint is that Ally Bank has issued me a provisional credit based on the wrong dates and the wrong amounts. 2nd Complaint, when I brought these errors to their attention by phone call and 3 emails, I have been ignored with no contact at all and when I tried to reach the dispute dept through customer service, customer service, after speaking with dispute dept, informed me that, the dept does not need to speak with me and that they will write to me when investigation completed. I Asked customer service what if I needed to give dispute dept information that may help in their investigation, I was told that I could send an email through the bank message system. 3rd complaint is that the bank never demonstrated nor offered to demonstrate that these unauthorized transfers would not have occurred had notice been given within the 60 day period. They only said that I did not notify them within 60 days of the statements in question. This dispute is based on Unauthorized transfers not involving loss or theft of an access device. The Timing of Consumer notice to bank is More than 60 calendar days after transmittal of the monthly bank statement on which the unauthorized transfers first appeared which was the statement dated XX/XX/XXXX. maximum Liability for Unauthorized transfers occurring 60 calendar days after the periodic statement and before notice to the financial institution which in this case would be 60 days after XX/XX/XXXX and before XX/XX/XXXX which is date I notified bank. So my Max Liability would be transfers form XX/XX/XXXX to XX/XX/XXXX approximately. The bank should have sent me within 10 days of my notice to them a provisional credit in the amount of {$5200.00} which corresponds to the unauthorized transfers in the XX/XX/XXXX statement through XX/XX/XXXX. The bank sent me provisional credit from XX/XX/XXXX through XXXX in the amount of {$1100.00}. Again, when I tried to inform them of their mistake I was ignored totally. And 4th complaint, Today on XX/XX/XXXX, I was sent an email from them restricting my account access because the account has a negative balance of {$82.00} dollars which I was thinking would be resolved when they deposited the correct provisional credit. I am sending copies of all my emails and documentation I sent to them to aid in their investigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Repossession
Subissue: Company explaining amount owed
Consumer Complaint: On XX/XX/2023 Ally financial contacted a family member after being told to only contact a certain number. They disclosed the debt amount and also got a payment from mentioned family member of the amount XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14223
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-25
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Re : ALLY FINCL - XXXX Opened - XX/XX/ I was a cosigner for my father on the above-referenced account he used the vehicle, and he made all the payments on it, and we returned it. For some reason, the odometer and damage disclosure statement was never filed. This was a mistake by the dealer. After working on this for a while I finally got hold of this statement and its attached to this letter. When I spoke to the bank they explained to me that the dealer called them and told them that they got the vehicle from me and they should come pick it up but when they came to pick it up, they found it in a body shop. so they did not want to pay the money that the body shop asked for the vehicle, so they never picked it up The dealer is a representative of the bank since I returned it to the dealer and the bank confirmed that the dealer received it for me without any damages it is not my responsibility to get it from the dealer to the bank. This account should be deleted from my name immediately This account with Ally Financial many times but they completely ignored me. Every time I called, they explained to me that they could see that I gave it back to the dealer but they never picked up the vehicle from the dealer I also disputed this item with the credit bureaus but I've got no reply from Ally Financial Please see the documentation attached. This is extremely unlawful, that I have to go through such hard work and pain because I was denied several mortgages because of something I had no idea about. the dealer never notified me that it was not picked up, and Ally Financial never notified me that they never got it from the dealer they just put it on a collection of my reports
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11205
Submitted Via: Web
Date Sent: 2023-12-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-24
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Had an account closed with no warning. Attempted to open another account, Unable to get anyone to explain the account decision process. Seems to be discrimination and retaliation for filing a previous complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2023-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have contacted XXXX and XXXX for the deletion of the hard inquiries and also the dealership and the Bank involved. I dint authorized at all
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 856XX
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: For XXXX and XXXX it's shows that the account is past due 60 days in the amount of over {$1500.00} in which the vehicle was totaled in XX/XX/2023. I've disputed over and over to be told it's correct. XXXX XXXX paid over {$23000.00} on the account in XXXX didn't reflect on my credit at all, then XXXX paid the reminder in XXXX in the amount of over {$9000.00} yet it XXXX and this account is still negatively affecting my credit. My scores had dropped drastically and something has to be done immediately. I've worked hard to get and try to keep my credit good, I was planning to purchase a home before this incident in XXXX. This is ONLY thing that's affecting my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Back in XXXX I was involved in an auto accident. My insurance at first was attempting to total the truck and not try to fix it.. So the insurance communicated to ally financial ( the auto loan company ) and told them total loss so at this point my auto loan is up in the air and I knew this. Well the process to fix my truck and appeal the total loss took from XXXX to XXXX when my truck was finished. So I get my truck back and try to call ally and they tell me sorry but my account was insurance charged off I said no sir I have my truck and its fixed they than proceeded to tell me that they couldnt reverse the charge off and when I asked why I wasnt contacted before it went to charge off they said its not up to them to tell me status changes. I tried having them look into it further and to be fair with me since it wasnt me who dropped the ball here. XXXX and ally did all the communication and left me out of it. Than I get stuck with a XXXX charge off on my credit that I couldve avoided had they given me a chance to save it. So while my truck was in the shop from XXXX to XXXX I didnt pay my note because I thought it wasnt getting fixed Well when they decided to fix it they used the timing against me and said well its too late. All of this was stressful as I called ally and XXXX every other day trying to figure out what was happening with my truck and the note. They told me not to worry XXXX would cover what insurance doesnt pay, so on and so forth. But I feel like I was trapped into now having a charge off on my credit and ally wont help or take any accountability for their mess ups and lack of communication.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78731
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There is a inquiry on my report I didnt do Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 16815 XXXX company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 41 Date : XX/XX/2023 Ally Financial
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 671XX
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: According to the CFPB 's recently-established XXXX XXXX XXXX, if a particular debt collector calls more than seven times in seven days to try and collect on a debt, they are deemed to be in violation of the law and are harassing you. Ally has been calling me repeatedly and not stop and even on weekends. The number s are XXXX, XXXX, and XXXX. In the state of Florida it is only seven calls in seven days and they have violated over the top with repeated calls two and three times a day. The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from you. The FDCPA covers the collection of debts that are primarily for personal, family, or household purposes. It doesnt cover business debts, and it also doesnt generally cover collection by the original creditor or business you owed money to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33610
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I recently discovered that Alley Bank had listed me as a co-signer for a vehicle without my knowledge or consent. I have never authorized, nor signed any documentation that would make me a co-signer for any vehicle, especially without my explicit consent. This unauthorized action has had severe negative repercussions on my personal and business finances. At the time when I supposedly became a co-signer for the vehicle in question, I was experiencing significant financial hardship with my personal vehicle, which was coincidentally tied to the same account. This situation has caused immense distress, particularly as it directly contradicts my intention to limit personal liability by conducting business as a limited partner with XXXX XXXX XXXX Furthermore, it has come to my attention that this unauthorized co-signing has adversely impacted my credit report, which has hindered my ability to conduct business with my personal assets. This erroneous listing has had a detrimental effect on my financial standing and has caused unnecessary complications. In light of these circumstances, I have sought legal counsel and have retained the services of attorney XXXX XXXX to address this matter. I am hereby requesting that Alley Bank rectify this issue immediately, revoke any unauthorized agreements, and ensure that I am not subjected to any further contractual obligations or harassment in relation to this unauthorized co-signing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70114
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A