Date Received: 2022-04-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act Ally Financial XXXX number has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94585
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Due to covid I am experiencing extreme difficulties with this debt I was in an accident on XX/XX/XXXX XXXX where I was struck by a car on the driver side of my Vehicle. My car was deemed a total loss, my insurance was actively pursuing the car that hit me insurance until ally finical closed my account and has written the account off as profit loss. I have sent Ally finical emails and letters to only get no response by the letters, no response by emails and to only to only get re directed to a 3rd party company by phone who now has my account for any answer in regards of my credit being affected and to pay off the account amount. Since Ally has written the account off as a profit loss they will not respond to be me and will not teat me like a customer I was before. I have paid my car note on time regardless of the car being totaled loss every month until my account was closed as profit loss by Ally When I contacted the 3rd party company XXXX XXXX, they insisted that they could not speak to me in regards of my credit and that I needed to pay them the remining balance. They offered me a settlement and told me that I needed to pay the settlement in order settle my account with ally. I have been trying to contact Ally directly and keep getting re directed by them back to this 3rd party company that is demanding me to pay almost XXXX in a settlement. I have recently paid XXXXXXXX XXXX on XX/XX/2022 amount {$500.00} and on XX/XX/XXXX, to XXXX amount {$1000.00}. They have yet to send me any kind of receipt or email stating what I paid for nor the amount reflecting the changes. The only way I can see the payment is on ally finical account. I can not see the taxes or fees nor the contract of the settlement XXXX XXXX has written or charge me. I then told them that I will need to set up different or smaller payment arrangements due to covid. XXXX then told me my settlement would be voided and that the agreement would be off. Yet they continue to call but I am not allowed to speak with someone from ally in regards of my account being charged off and deemed a profit loss.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78613
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: ally financial is reporting my vehicle payment late when i made my payment before the 30 days late, I'm demanding that they fix the reporting to the credit buraus since its false information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78573
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: accounts paid but never left my credit report as well as outdated
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60621
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Managing an account
Subissue: Problem with renewal
Consumer Complaint: I had an over $ XXXX 11 month XXXX coming up for renewal XXXX XXXX, 2022 with Ally Bank. Ally Bank sent me a letter about that, giving me a phone number where I could give verbal directions on what action i wanted to take. Within grace period, I spoke to XXXX on the phone XXXX XXXX, 2022 at Ally Bank and directed her to NOT let the CD renew. Rather, to put the funds into an Ally Savings account, which she said would earn only .05 % APR " less '' than the CD. I said yes, do that, but under no circumstances did I want CD to renew. She said she understood and I thought the whole matter was concluded. Weeks later I received a letter congratulating me on my renewal of my CD. I called and was not happy. I told them this was an error on their part. I was advised they would pull up the recorded directions and get back with me. I said yes, please do. I was later informed that yes, they did find recording and I did make this direction BUT I had gotten off the phone before everything that needed to be done was done to complete the transaction. I said how would I know that unless someone told me. Why didnt anyone call me back, OR email me, OR write me a letter, or anything. I further told XXXX, the last person I spoke to on XX/XX/2022, that they had all the information and IF certain things needed to be done in a phone call before the directions were followed out, then that should have been spelled out 1 ) in the initial letter telling me to call, 2 ) at the beginning of the phone call where I gave instructions on what I wanted done. I said I am not clairvoyant. How am I supposed to know something the bank needed wasnt obtained unless I am told? No response. I insisted someone higher in management call me. I was promised they would. That never happened. The best I could get from them was an offer to close the account, WHEREIN they would charge me an early withdrawal fee. '' That was completely unacceptable. They wanted to charge me for their error! This entire thing is preposterous and Ally Bank shouldnt be allowed to conduct business in this fashion! I would highly recommend people take their banking needs elsewhere. To date, I have not heard one word more about this and now I am earning next to no interest on a very large CD I did NOT authorize!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85048
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Double charging me. Filed an extension- they charged me for that too. Then the very next day I got charged full payment! They wont do a thing about it and hung up on me after I explained that I have XXXX XXXX and zero money now. How am I gon na get gas for the car to get to work to pay for it? They dont care. They are Straight up theives!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 136XX
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: My title loan with Ally Financial was paid in full with XXXX on XX/XX/2022. I was told by Ally the lien release and payoff letter would be mailed within 5 business days. I have contacted the company several time and still have not received the documents. I have been told by them the documents have been or would be mailed. I received and email from them on XX/XX/2022 stating the documents were mailed. On XX/XX/2022 I was told the documents would be sent via XXXX. I still am not in possession of the lien release or payoff letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 42141
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XXXX 2022 I opened an account with a bank I ran across called Ally Bank via the web. I thought it would be a opportunity to start an account with a new bank but this situation has been a complete nightmare to say the least. My opening deposit for this account was a check I got from a lawsuit from my attorneys office it was a large amount which was XXXX. The bank said it was fine I would just have to follow standard holding deposit procedures. I just wan na state I had NO problem with that. They told me on XXXX XXXX my account would be unrestricted and I could have full access to my funds. So on XXXX XXXX I checked and my account was still restricted. I called customer service who transferred me after holding for more than XXXX hours to a department called loss prevention this lady answered the phone and yelled at me that my account is remaining restricted she hung up in my face. She did NOT allow me to speak or ask any questions. Mind you this was AFTER me holding for XXXX hours. So I called back and reached a representative in customer service who transferred me to their supervisor XXXX he literally held for XXXX hours himself waiting to talk to loss prevention. So this is XXXX hours of me holding. He came back after XXXX hours and said maam they hung up on me too. He said they told him the same thing. My account would remain restricted and they hung up on him as well. Im writing you all because Im NOT a criminal or someone who does wrong. I just simply opened this account because Im in the process of buying a home and my lender advised me to open a new account. All of my current accounts are based in California which is where I used to live. So, I had no way to drive XXXX miles to make this deposit. But, in all honestly if I knew this would be a issue. I wouldve probably just flown to California to deposit this check instead of trying to bank with Ally Bank. They are very rude and disrespectful to their customers. I have NEVER been treated like this by a bank. And as of yesterday when I called they still dont have any answer for me of whats going on. They just told me NOT to call them back they said they would call me. But, would not specify a timeframe. That to me is beyond crazy. Im NOT a criminal but they are treating me like one. They even told me this check cleared it posted to my new account. But, they wont give me access to it which is crazy as XXXX. I told them I just want to cancel this account now and go with another bank because this is to much. I have XXXX other accounts all based out of California and I have NEVER been treated like this. All I want is for my account to be closed and they can overnight my funds. I dont wan na do business with a bank who will have their employees bully its customers. Yell and scream and hang up on someone for calling to inquire about something THEY said. Where is the respect for your customers? Where is the integrity? They have NONE and definitely dont deserve my business and Im going to tell all my friends/family to NEVER bank with this bank. They are bullies to their customers. If yall can help me I would appreciate it. Ive wrote the XXXX XXXX XXXX Federal Reserve and you guys. I have NOTHING to hide about myself. That check was a lawsuit check the funds are good which is why they cleared. For them to treat me like a piece of trash is beyond me. Please help if you can! Im attaching a copy of the check that was deposited along with my attorneys letter for your references.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31907
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: The Complainant would have call his bank and inform them of the deliberate malicious schemes and campaigns that was occuring only to have said bank turn around and attempt to deliberately withhold The Complainant 's funds and then turn around and deliberately block his card access in an attempt to be XXXX and XXXX him. Those responsible should be fired
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10003
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Someone is using my name and tried to open up an account with your company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60409
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A