Date Received: 2022-04-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I noticed on XX/XX/22 that my credit was run without my authorization. I reached out to the creditors and they refused to remove the inquries. I then contacted the credit reporting agencies ( CRAs ) XXXX and XXXX but they refused to remove these inquires as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95821
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-03
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I am an XXXX XXXX XXXX who recently returned from a XXXX to XXXX on XX/XX/2022. Ally Bank denied me access to my savings account due to suspicious activity on the account, even though it was me trying to access my account from XXXX. When I returned home, I called Ally multiple times to resolve the issue ; however, my account is still on hold and I can not do anything with the funds I have in that account. Ally keeps telling me that I may have to wait up to 90 days for access.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37042
Submitted Via: Web
Date Sent: 2022-04-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-03
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Hello, It is hard to actually save money, to not touch it, especially in these times. That said, I have noticed that Ally Bank CONTINUES to cheat me on the interest THEY offer. I've had my online high-interest yielding savings account and their online checking and money market accounts probably since XXXX or XXXX. Way back in XXXX I first noticed that the interest that they say is compounding daily and paid out monthly continues to be short. How is it that I'm receiving LESS interest even though the interest is supposedly compounding daily AND I'm making deposits that increase my balance by hundreds of dollars? Case in point : As of XX/XX/XXXX my savings account ( high interest yielding ) which is supposedly accruing XXXX daily in interest and is supposedly compounding daily, was credited with {XXXX} ( .15 daily x 30 days ). Between XXXX & XXXX, I made deposits that increased my balance by more than {$400.00} yet on XX/XX/XXXX my account was credited with only {XXXX} of interest. I made no withdrawals at all this YEAR, and so at no point did my balance decrease, I only made deposits. I called Ally on 3 different occasions to speak with them about it and I was given 3 different, senseless explanations as to why. The 3rd person I spoke to told me that my XXXX interest payment was reflective of only 28 days of interest, not 30 as was the case with my XXXX interest payment. But when I pointed out to her that my savings account clearly states that it is accruing XXXX daily and that XXXX x 28 days would = XXXX she could NOT explain how I was only credited with {XXXX}. I've had this same problem with Ally bank back in XXXX and at one point, I had moved my money out of Ally and back to horrible, awful XXXX XXXX! But at some point I decided that even though I was being shorted by Ally, it was still way more interest than XXXX XXXX. I don't know what to do. As you all know, as it relates to interest compounding, each and every penny counts. Aren't I supposed to see ever increasing interest payments mainly because it's supposed to be compounding DAILY and I've only been depositing increasing my balance? Ally 's high-interest savings account rate has not changed in these past 3 months and it still remains at 0.50 %. I wish there was a way to make them pay me ALL of the interest that they've been shorting me since first opening my accounts. Thanks for reading all of this and for any help you can provide. Ally gave me a " case number '' XXXX about this complaint on XX/XX/XXXX. I've heard from no one at Ally since. Hope you can help make a permanent positive difference, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2022-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-02
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I have a leased vehicle with Ally Finances. I received a notifier a couple of weeks ago showing that my credit score has dropped by XXXX points. I check to see what was the issue and found out that alloy basically reported that I was not making car payments. I called Ally only to be in form that the car that my ex-wife has hasnt been paid on and a Extension had been added to the vehicle. So I asked him why wasnt I notified that the car payment was late and about the extension. He stated that they notified me. I requested all of the contact information they had which was all wrong my address was wrong the email address on file was wrong and also the telephone number was wrong. They also informed me that a extension had been accepted for the vehicle payments which I did not Request or Give consent to. They informed me That I would be responsible for the extension payment of 500+dollars. I explained to them that I dont see how I would be XXXX responsible for something that I didnt request nor did I give consent to nor was I contacted. Upon a father conversation with them I found out that they allow an unauthorized person to change all the contact information associated with my account and also allowed them to make unauthorized decisions on my account. So I explain to them that all of the contact information they had was wrong I was told two different stories the first customer service rep told me that no one could make changes to my account unless they have the account number and I told him no had access to the loan info because it locked in my truck. The customer service supervisor told me that someone could make changes to my account if they know the last four numbers of my social my name and address or just the account number. They had been sending the bill statement to the wrong address with the account number on it. So I was told two different stories. To make a long story short they expect me to pay all these fees that I didnt authorize.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 298XX
Submitted Via: Web
Date Sent: 2022-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have a hard inquiry on my credit report from Ally FINANCIAL when I never got financing or even look at serviced with them. In accordance with the fair credit reporting act XXXX Account # XXXX, 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28314
Submitted Via: Web
Date Sent: 2022-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-02
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX I was at work with XXXX other coworkers. One of the coworker was new so I was kind of excited and in a happy mood. Around noon a person came in and I wasn't sure if he was a customer or not but he was looking at the menu and starting conversations and since I was in a good mood I started a conversation with him. He pretended to be a XXXX employee and started to explain how XXXX was having a deal for XXXX customers, {$150.00} for XXXX XXXX XXXX. He said that there was a line outside the XXXX for this deal. I felt that it was too good to be true but since I was in a good mood at the time I decided to just continue the conversation since he seemed like a nice guy. The conversation went on for about 5 minutes and then he said he wanted to show me something on my phone. He typed in pound and a few numbers on my phone and called it, and it showed me something about my phone. Then he borrowed my phone to " check '' settings and set up an account for XXXX for me. Since I was behind the counter, I couldn't actually see what he was doing. He then told me to make up a XXXX digit pin and that's where I messed up and gave him a pin that I used on a lot of my apps, including XXXX. He sent himself {$200.00} to an account name " XXXX '' now named " XXXX '' and their XXXX is XXXX XXXX. I've tried contacting XXXX the same day and they told me to contact my bank since the money was withdrawn from my bank, not from XXXX. I called my bank that day and they told me they couldn't do anything until the charge was posted. A few days later, I opened a dispute on my bank account for that charge and today I find out that the dispute has been closed but I have no clue why since I wasn't even notified when it closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11421
Submitted Via: Web
Date Sent: 2022-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have Filed Disputes to the Credit Bureaus and it been well over 30 days and still have receive any investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2022-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XXXX XXXX, 2022, Ally Bank instituted CoverDraft for checking accounts. CoverDraft is where they cover overdrafts, up to {$100.00}. It's a feature we've automatically added to Ally Bank Interest Checking Accounts. When CoverDraft is used to cover a transaction, you receive a notification from Ally with the transaction information, and a message saying that we typically don't let you make purchases or withdraw money from your account if it stays negative for 14 calendar days. My account was overdrawn on Wednesday, XX/XX/2022. I received an email from Ally that stated : We'll never charge you an overdraft fee, but you'll have to deposit or transfer {$50.00} to get your account out of the negative. Immediately after that message, I received an email stating my account had been deactivated and that a deposit would be required to reactivate the account. On XX/XX/2022, I received a {$150.00} direct deposit. My account remains deactivated and Ally Bank has yet to reactivate my account and has left me without access to my funds. Ally Banks CoverDraft is not only an inaccurate, ineptly unfairly applied policy, it is fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60608
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My ATM card was used in California ( in person ) but I and my card was not in California I live in Pennsylvania. I filed a dispute with Ally but Ally determined that the it was a valid transaction. I called the company that charged me, They have multiple call centers under multiple names and it was pretty obvious that this was a scam but Ally did not see it this way. I called Ally multiple times to resolve this with the evidence I had gained but they refused to deal with it saying they could not re-open the dispute. So now I have no recourse. I know for a fact that this is a fraudulent transaction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19403
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: My account was hacked and Ive been trying to call and chat with them but their phone numbers dont work and they keep passing me around from agent to agent and now I cant get ahold of anyone. I just want them to help me with my hacked bank account and they wont.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 978XX
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A