Date Received: 2022-04-13
Issue: Improper use of your report
Subissue: Received unsolicited financial product or insurance offers after opting out
Consumer Complaint: My credit report shows inquiries on my report and I did not authorize this company to use my information. Multiple companies are now emailing and calling me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 713XX
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-14
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Tuesday, XX/XX/2022 XXXXXXXX XXXX Received a text message at XXXX XXXX from Ally stating that there was a fraud alert on my account. Someone in XXXX at a company called XXXX charged my account {$1200.00} three times for a total of {$3600.00}. Around the same time received emails from Ally, via email to verify if the charges were in that the charges were incorrect. I confirmed that they were incorrect. Also, note that in the emails it states that I should call the bank immediately if I did not authorize these transactions. Which I did and proved to not be used. At XXXXXXXX XXXX I called Card ( Fraud ) Services directly and spoke with a representative who confirmed my identity, that I did not make the transactions, and confirmed that I was a victim of fraud. They canceled the debit card and re-issued a new one. They stated it would be 3-7 business days before I would receive the card, also stated that I had to call Account services to dispute the charges Immediately after I called Account services ( XXXX ) : 1st Representative Stated that I could not dispute the charges until they were posted. I said that was unacceptable as the Card services ( fraud ) department already confirmed the charges were fraudulent. I then asked to be transferred to a supervisor, I was transferred to another 2nd representative who repeated the same thing. At this point, I had to go back to work and call later in the day XXXXXXXX XXXX Called back Account Services ( XXXX ) and was told by the representative that Fraud Services flagged so it will not post ( charges would be denied ) to my account as it was confirmed as fraud. The charges were to fall off the next day. Wednesday, XX/XX/2022 Wednesday morning I checked my Ally app and one of the charges had fallen off but the other 2 still remained. By XXXX XXXX 2 of 3 fraudulent transactions for {$1200.00} were posted to my account which triggered an overdraft transfer of {$1200.00} and {$2300.00} ( total of {$3500.00} ) from my savings account. Called Ally spoke to the first representative who repeated the same thing, disputes the charges, waits 10 days but there is nothing they can do outside of that. Ask to speak to a supervisor and was transferred to an Escalation specialist, XXXX, informed me that when I confirmed via text and email my card was switched to inactive but the charge still came through, this was an error and the charges shouldnt have been approved. I then asked for a way to expedite the process since clearly this was a bank error. He stated that there was no way to expedite, I then asked for a supervisor. After a long hold finally, a floor supervisor named XXXX ( XXXX # XXXX ) again repeated to me that there was nothing they could do just submit a dispute and make a note. XXXX created a dispute for 2 of the 3 fraudulent charges ( Dispute # XXXX ) and stated that I had to call back in when the 3rd charge was posted to the account to dispute it. I would have waited 10 business days for the Dispute department to investigate where I still would not receive a credit just written confirmation of the dispute and more questions via USPS mail to fill out and mail back. This is clearly fraud. The money was taken from my account overnight there was clearly an issue with the system. However, to get my money back it will take well over 10 days ( dispute, time I am putting in on phone calls and entering in disputes ) to get my money back. The Ally dispute system is broken and is not there to protect the customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: on XX/XX/2022 i made a request in good faith as a Natural Being, under UCC 9 - 210 to Ally Company and its associates on XXXX thru the cfpb to produce documents in good faith, on XX/XX/2022 Ally Bank Responded in Error and somehow is above federal law and dont have to respond to consumer rights, Ally Bank has use deceptive language in there response, and causing me even more harm, by causing me worry and stress because they are not abiding by Federal Law. my request was simple produce a Record Authenticated to Prove you have a Legit Security Interest in this so called loan, Ally Bank sated i Entered into a Sales Contract as a response to my request under UCC 9-210, A Sales contract just proves i extended to you Ally Bank my Social Security number and there was a credit transaction performed not a loan and your sales contract only proves that, the entire process is was fraud, including not disclosing how you came up with a interest rate as well as forcing me to pay for insurance out my own pocket when that too should of been already included in the transaction. now Ally Bank in there response dated XX/XX/2022 basically didnt prove any security interest as legit lein holder but now using threating terms in there written response causing me more harm and more pain and stress to my family and mental state because now they are invading my privacy saying they stil will contact me and possibly come steal my property that ive purchased thru my line of credit thru a credit transaction, the UCC 9-210 would of provided the proof to show that it was never a loan but a credit transaction, now Ally Bank are XXXX XXXX and threating me with deceptive language and now i am Damgaged
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38125
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/2022 - We deposited an {$18000.00} personal check and a {$920.00} XXXX XXXX XXXX check into our joint checking account. The deposit was held pursuant the three-day restriction stated by ALLY bank. XX/XX/2022 - We made a {$300.00} XXXX payment and were subsequently notified that the payment wasn't received, wherein it was cancelled and a replacement payment of {$300.00} was made on XX/XX/2022 to replace the original transaction. XX/XX/2022 - We receive notice that the {$18000.00} was available, and we ordered a wire transfer for {$17000.00} to pay court awarded attorney fees. Informed that this would take two days. XX/XX/2022 - Received an email of a banking PIN change, which I attempted to respond to only to be locked out of our joint account and my Social Security direct deposit. Subsequently, contacted by ALLY Fraud security interrogating me as to the deposit of the {$18000.00}, requesting proof that the wire was being directed to attorney 's fees and questioning the XXXX payments of {$300.00}. Despite providing this data contemporaneously, ALLY continued to block access to our joint account and my Social Security direct deposit. XX/XX/2022 - I was directed to contact ALLY due to suspicious activity they had detected on XX/XX/2022 and they locked all my accounts and refused to release my Social Security direct deposit. XX/XX/2022 - My wife was contacted by ALLY fraud prevention demanding personal contact data as to the individual that had issued the {$18000.00} check despite having his banking data in hand before agreeing to release our accounts. The party that had issued us the {$18000.00} check reported that ALLY had contacted him by phone requesting not merely if he had issued the funds but inquired as to the nature of why the funds were issued. XX/XX/2022 - ALLY finally released the holds on the account and issued the wire transfer and we were able to gain access to our joint account and my Social Security direct deposit. ALLY was notified on the call from Fraud Prevention that we would be filing a report with the CFPB regarding the matter and notify Social Security of the restrictions it had posed upon my retirement benefits. XX/XX/2022 - ALLY Customer Service issues a statement acknowledging their unsatisfactory service while misconstruing the facts as supported by the correspondence evidence in email and facsimile formats. No explanation and exception were at any time provided regarding ALLY 's restriction to my unmingled Social Security direct deposit funds, which is a violation of law and SSA and US Treasury Regulations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: This involves all my Ally accounts not just my savings account. " All accounts '' was not an option. When I log in online to my Ally accounts, it asks me if I want the login code sent to my email address or to my phone. Somebody is trying to open accounts in my name, and filed a fake income tax return in my name, and I don't doubt that they will try to hack my email. I have changed my password, but that's not enough. I have repeatedly asked Ally to remove the option of sending the login code to my email address, since somebody can hack my email. Sending the login code to my phone is much safer, and I always choose that option. Ally ignored my request and simply told me to change my password. Which I have already done. However, sending the login code to my email address should NOT even be an option. The way Ally has it set up now, somebody can simply hack my email and have the login code sent to my email. Again, this should NOT be an option.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19020
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: On XX/XX/XXXX and XXXX, XXXX Bank ( XXXX ) XXXX out of XXXX, KS called my phone however I didn't answer. I don't have any financial products with them so there is no reason for the call unless they are trying to sell me something. I checked my credit report this morning ( XX/XX/2022 ) and XXXX Bank ran my credit. I know I have a freeze on my credit due to previous possible fraud, so they have to verify it was me. I called XXXX Bank this morning and they said they never ran my credit. So how did it get on my report? Also, Ally Financial ( XXXX ) XXXX out of XXXX Tx called me the same day and I talk to one of their representatives a specifically told the I am not interested in any loan products. I looked at my XXXX credit report and they also ran my credit. When I called them I was told they run your credit first and then call you for permission to run. What? So again what's the purpose of a credit freeze if they are allowed to run your credit without verifying it's you? How many other companies are doing this?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XX/XX/XXXX, Ally Financial incorrectly reported a late payment- despite my payments being automatically drafted. I disputed the incorrect information with Ally as well as the 3 major credit bureaus. As a result, Ally financial had the incorrect report removed from all XXXX bureaus. Unfortunately, in XXXX, the incorrect information from XXXX was placed back on my report with all 3 bureaus. This was the second violation of my consumer rights. I disputed the inaccuracy with all three bureaus in XXXX and XXXX, yet again. As a result of the aforesaid dispute, both XXXX and XXXX removed the inaccuracy from Ally Financial. However, XXXX did not remove the inaccuracy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77007
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Something tan my report without my permission
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20735
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: This company ran my credit without my permission I received a phone call and this company was asking if I wanted a second mortgage and I asked how did they know my personal information this man lied and ran my credit without my permission I called the company and complained and nothing was done
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19977
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I looked up my credit report and noticed a bunch of car inquiries on my credit report that I didnt authorize because I just got me a car XXXX of 2021.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A