Date Received: 2022-03-07
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: Ally Bank is holding a balance in my name for a vehicle that is paid for. They took my car from my home and told I had to send money to them to get my car back. Now I was informed by them, that they sold my car and want me to send them money as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30035
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-05
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Greetings, I opened a new bank account with Ally, I deposited a check once the account was opened. As soon as i deposited the check my account was locked, they asked me for a picture of my social security card, my drivers license and my selfie with holding both ids in my hand. I sent it all the same day within an hour of speaking with them. I spoke to them everyday as they said it would take 1-3 days. Today is day 4 now they are telling me they are still reviewing my submitted documents. So the account is blocked But now the guy tells me they will verify the check, i deposited the check 5 days ago, the check should have been cleared by now. I have worked in a bank i know the check clears in 2 business day from the bank its issued from. Please assist.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2022-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Hello there how are you doing? I just need Ally Financial to update the amount owed to them for the debt of XXXX acct number XXXX the amount that need to be updated is XXXX its updated on XXXX XXXX to that corrected amount and need to be updated with XXXX XXXX and XXXX on XXXX app in my report also please this need to be changed As soon as possible it is destroying my score need to be updated so I can get ahead in life and get out of my financial situation please this is urgent thanks so much
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21218
Submitted Via: Web
Date Sent: 2022-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-04
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 a dispute in regards of my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77521
Submitted Via: Web
Date Sent: 2022-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I requested a wire transfer. Ally then locked my account for no reason. I called numerous times and I have provided all information that Ally told me to send them. I have asked to speak to a supervisor and I had to leave a message and after calling the fraud department again they told me it would be a few days before a supervisor returned my call. I asked the rep XXXX what Ally 's address is and he told me to go look it up in XXXX. I did XXXX it and Ally has numerous Address 's so which one to contact is difficult to determine. Most of the customer service reps have been unhelpful. Even though Ally claims they are available 24/7 that is not the case. I have called in the middle of the night and I am told to make a selection and it does not allow me to. Ally 's customer service has has dropped into the gutter. You can only contact their fraud dept from XXXX XXXX to XXXX and then they request proof of life and all sorts of personal identification which I have previously provided them when I opened my accounts and my accounts are still locked. I only found out my accounts were locked by accident. Ally sent emails but they should have called me. The emails said I had to call and verify some information which I did now Ally takes their time verifying the info I sent and my accounts are still locked. I have been a customer of Ally for at least 10 years and once I sent the information they requested they should have unlocked my accounts. Does Ally have this much supposed fraud going on that it takes them days to verify my info. Something is wrong with Ally to have this much fraud taking place when a long time customer like myself is suddenly lcoked out of my accounts and then Ally will not resolve the situation in a timely manner and then not able to contact a supervisor.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20852
Submitted Via: Web
Date Sent: 2022-03-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-03
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened a savings & checking account at Ally Bank on XX/XX/XXXX. I requested that Ally Bank transfer funds from my XXXX XXXX checking account to my new Ally Bank savings account ( {$40000.00} ) and checking acct ( {$15000.00} ). This money was still in my XXXX XXXX ( formerly XXXX XXXX, they merged together in XXXX ) account on XX/XX/XXXX when I received an email from Ally Bank stating " Your telephone banking PIN has been changed. If you didn't make this change, call us immediately. '' I called them immediately and was told their system had detected suspicious activity in my accounts so they'd closed them. I confirmed that my XXXXXXXX XXXX acct information ( my routing and acct number ) was still accurate. I said I'd checked my XXXX account and no funds had transferred to Ally and I wanted to make sure the transfers were cancelled. Ally Bank assured me that my money ( $ XXXX & {$15000.00} ) from XXXX would not be transferred to Ally. I found out this was not true on XX/XX/XXXX. Ally Bank had transferred both the {$40000.00} and {$15000.00} from my XXXX checking acct on XX/XX/XXXX. I called Ally Bank & they told me that the transfers would hit their system and since my Ally accounts were closed, their system would kick back my money to my XXXX acct. I just needed to wait 3-5 business days. I waited & called Ally Bank on XX/XX/XXXX and informed them that my funds had not been returned to my XXXX acct. They said they would reopen my case and send a form to XXXX XXXX to fill out & when XXXX sent it back to Ally, they'd then release my funds to XXXX. On XX/XX/XXXX I spoke with XXXX and they have not received any requests from Ally Bank. I called Ally Bank and told them this, I asked to speak to a manager, they said their policy is to email a manager and the manager should get back with me within 24-48 hrs. This is a very condensed version of my experience. Throughout this ordeal Ally Bank has been unusually unhelpful and evasive. They tried many times to say Id have to file a dispute with XXXXXXXX XXXX, but I can not do this since I preauthorized the transactions through Ally Bank to transfer the funds. Ally Bank will not give me a direct phone number to someone on my case & I continuously have to go through lower level employees, explaining everything anew each time. Also, it's hard to get through to anyone at Ally Bank, I've been put on hold for extremely long waits. I've made numerous calls to both Ally Bank and XXXX over the past several weeks in an attempt to have my funds returned to my XXXX XXXX account. Ally Bank has told me many things that have been untrue, and at this point I would like a federal agency to look into this issue. Bottom line is Ally Bank pulled my funds from my XXXXXXXX XXXX account after they closed my Ally accounts and have not returned my money. I've since found many similar complaints about Ally Bank online. I've found that the XXXX gives them a XXXX rating, states Ally is not accredited, they also show many complaints toward them. Getting Ally Bank to help me has been like pulling teeth and so far is without results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 458XX
Submitted Via: Web
Date Sent: 2022-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-03
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: My debit card and the related checking account have become unreliable since I moved and changed my address in late XXXX. Transactions fail about 1/3 of the time, both online and in person. I can not use XXXX because Ally bank keeps rejecting linking my accounts. I have called Ally 5 or 6 times, spending over and hour on the phone with every attempt. Ive been told 3 times that the error was due to the address change and told 3 times it has been corrected. Ive been told errors with transactions have always been an issue with the merchant, even when I was able to complete a transaction with a credit card and the same mailing address. I was told today that Ally is dealing with a new system, but that information was not made publicly available. I was also told that the issue with XXXX is a known issue, and again there was no public transparency. It honestly seems like Ally just doesnt care about these issues, customers having access to funds, or about retention of any kind. I am already planning to switch banks, and I have informed them of this. They have made no efforts to fix the issue, or reach out to me as a customer. Even when I sent a secure message 2 days ago, they have not responded. I spent half of an hour long phone cal on hold ( for various amounts of time ) and when I was disconnected, to attempt was made to call me back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11370
Submitted Via: Web
Date Sent: 2022-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-03
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ALLY FINANCIAL XXXX XXXX XXXX XXXX, MN XXXX USA Re : AUTO LOAN Account Number : XXXX To Whom It May Concern : I would like to make arrangements to settle the above referenced matter ON CONDITION that you : 1. Produce the account and general ledger statement showing the full accounting of the alleged obligation you are attempting to collect from me, signed and sworn by the person responsible for maintaining these records and having first-hand knowledge as to their accuracy and authenticity, and able to testify under oath to that effect. 2. Make available for visual inspection my original wet ink promissory note ( not a photocopy ). Please contact me in writing to arrange for an appropriate point of inspection. 3. A statement admitting whether you are the holder in due course or whether you are a servicer. Lastly, Please provide me with your statement of the amount owing as of ( XX/XX/22 ), together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. I am giving you formal notice that failure to respond to this letter through a verified and validated proof of claim within 7 days as I have asked for, point for point will be taken as an administrative default. Thanks. XXXX XXXX Without Prejudice - [ ]
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19701
Submitted Via: Web
Date Sent: 2022-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: ALLY FINANCIAL is reporting an ILLEGAL REPOSSESSION on all XXXX of my credit bureaus. Their repo guy broke into my CLOSED LOCKED GARAGE, which is ILLEGAL. If they can not provide proof WITH PHOTOS that they LEGALLY repossessed it, by law they must remove the account entirely from ALL 3 credit bureaus. Their verifying that is was repossessed is not the issue at hand. Please force them to actually respond with proof. Since I know they can not, it must be REMOVED IMMEDIATELY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 840XX
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX, I initiated a bill payment for {$2900.00} through my Ally bank checking account. I realized the recipient was incorrect and requested a stop payment on the check, which had not yet been cashed, on XX/XX/XXXX. Due to what they deemed a bank error, the stop payment was never applied and the check was later cashed on XX/XX/XXXX. I reached out to Ally on two occasions via phone and once via email. They took ownership of the bank error and notified me they would do everything in their power to rectify the situation. It is now XX/XX/XXXX and they have told me to contact the recipient myself to recover the funds. This is unacceptable. The bank has admitted fault and taken little to no effort to correct the situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94103
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A