Date Received: 2022-01-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2022 I attempted to make a {$1000.00} withdrawal from my Ally checking account using a XXXX XXXX XXXX XXXX ATM. The transaction was cancelled at the terminal and no funds were disbursed. Nonetheless, Ally Bank debited my account for the funds. It has been XXXX days since the error occurred and Ally refuses to return the funds to me claiming, instead, that it will take them XXXX business days to review the dispute and another XXXX business days to disburse funds assuming they decide in my favor. With weekends and holidays included I am apparently expected to pay my bills with Ally Banks assurances that it will only take them a month to return funds that are rightfully mine to my account. No doubt my landlord will be delighted to hear this news and I can only imagine the ease with which I'll be able to purchase groceries or pay for my car using their dispute policy as collateral.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98264
Submitted Via: Web
Date Sent: 2022-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-22
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Hello, I opened an account with Ally Bank on XX/XX/2022. I later funded this account with {$80.00} from XXXX XXXX, linked the Ally account to my XXXX account, and used it one time to purchase food online. I got an e-mail at XXXX AM stating " Your telephone banking PIN has been changed '', despite not having made any changes to the account. I called Ally support that afternoon, and after I answered my security questions I was told that the account had been temporarily frozen and was under review. The customer service representative mentioned that it could take their team up to two weeks to investigate. I do not trust Ally 's ability to resolve this issue quickly, and I figured I would submit this complaint now to help expedite the issue as necessary.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 432XX
Submitted Via: Web
Date Sent: 2022-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/21 I met up with someone to purchase a product in the amount of {$200.00} with XXXX, which always goes through almost instantly. This payment was authorized for that day, not the following day. The person claims they didn't receive the first payment. So I went a head and did another XXXX payment which went through immediately. The next day it shows 2 payments went through.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78728
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This is in regards the dispute I have against both XXXX and ally bank. I do not own a XXXX account, and fraudulent ACH debits totally {$310000.00} were taken between XX/XX/XXXX to XX/XX/XXXX into a XXXX account with owner name XXXX XXXX, which I do not know nor associate with. I received my latest statement in early XX/XX/XXXX, and I contacted ally in regards the unauthorized debits. I was advised I need to contact XXXX in an attempt to resolve the dispute charges, since my routing numbers/account numbers were used. I contacted XXXX on XX/XX/XXXX and explained the situation. I was advised since I'm not the account holder, they could not provide further information, but they freeze the brokerage account with fraudulent deposits in question, and will attempt to reverse the transactions. I called back on XX/XX/XXXX and XX/XX/XXXX and I was eventually advised I need to dispute them directly with Ally Bank, since I'm not the account holder, and they will not reverse the fraudulent charges. I went back to Ally Bank and filed a dispute on XX/XX/XXXX, I was asked if I know or associate with someone name XXXX XXXX, I responded no, and I was advised I will be contacted if needed. I received a call from the fraud department on XX/XX/XXXX and and additional call on XX/XX/XXXX, during the phone call, I requested Ally Bank to contact XXXX directly to recover the stolen funds. I further attest I do not own nor benefit from a XXXX account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94568
Submitted Via: Web
Date Sent: 2022-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I've contacted ally & all 3 credit bureaus over 30 days ago with no correspondence. I want this issue fixed immediately. The unauthorized info reporting on my credit report is hurting my ability to obtain credit! not in compliance with the laws! please read the attached letter!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30046
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I purchased a XXXX XXXX XXXX on a consumer credit contract and i have noticed several billing errors in the Truth-in-Lending disclosures section of the Retail Installment Contract and Security Agreement. Billing errors are defined as, a reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account. A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor and A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence. The first one in regards to my account being the number of payments seems to be inaccurate on the payment Schedule. 16 CFR 433.1 ( d ) which describes a purchase money loan in regards to the truth in lending disclosure is defined as : A cash advance which is received in return for a finance charge within the meaning of the truth in lending act and regulation z, which is applied, in whole or substantial part, to purchase of goods or services from a seller who ( 1 ) refers consumes to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. Under regulation Z also known as truth-in-lending the itemization of payments should mirror the FINANCE CHARGE amount as it is the dollar amount the credit will cost me. The next billing error can be seen on the amount of credit provided to me or on my behalf. There is no authorized representative other than the appointed attorney-in-fact by the consumer to receive any credits on behalf of the consumer. I am not requesting address or contract validation. I am demanding additional clarification including DOCUMENTARY EVIDENCE of the procedures used to come up with these itemized amounts in accordance with Generally Accepted Accounting Principles ( GAAP ). These billing errors may be assumed to be a willfully intent on misleading and or deceiving me of the character/amount of any debt 15 U.S.C. 1692e. All debt obligations and securities are owed to the United States 18 U.S.C 8. Do NOT hinder nor delay the delivery of the consumer goods associated with the transaction. I hereby accept all title rights and interest and instruct ALLY FINANCIAL INC to handle ALL principles balance. I am not attempting to create controversy I have been seeking remedy and recourse to the fact that I never received full disclosure pertaining to the fitness, performance, and attributes of account, or accounts created from the first initial consumer transaction and now I am merely asking for REAL EVIDENCE. I am aware and it is FACT that i, a consumer, natural person and beneficiary do not need to pay, ALLY FINANCIAL INC can not restrict accelerate or close an account and or make or threaten any adverse reporting to any person about the consumers credit standing without FIRST resolving the billing error. Notice, its is a fact, i am aware while resolving this billing error, ALLY FINANCIAL INC has legally agreed to forfeit ALL rights to collect on the amount in dispute pursuant to 15 U.S. Code 1666 ( e ). In the event ALLY FINANCIAL INC fails to provide said documentation, I DEMAND that all alleged debts be properly recorded and officially acknowledged within your records and any other agencies as non-existent, including but not limited to, all debt collection and/or credit reporting agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11580
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received a credit inquiry on XX/XX/2021, XX/XX/2021, XX/XX/2021 from ALLY FINANCIAL. I absolutely have no idea who this company is and why they are on my credit report. I have attempted to contacted them via mail on XX/XX/XXXX,XX/XX/XXXX and XXXX XXXX as of today I have not received any response from this company as to who they are and why they thought it was acceptable to attempt to pull my credit or pull my credit. I DO NOT KNOW THIS COMPANY AND I DID NOT GIVE AUTHORIZATION OR PERMISSION TO PULL MY CREDIT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60616
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Problems at the end of the loan or lease
Subissue: Excess mileage, damage, or wear fees, or other problem after the lease is finished
Consumer Complaint: Ally financial billed me for {$2200.00} XX/XX/2021 I objected to the amount and they told me it was a mistake which was a computer generated invoice and said they would send a corrected amount. They then sent an invoice for {$950.00} without any breakdown of charges. I called and asked for the detail and was it would be mailed. No detail invoice was ever provided. They began harassing me with collection calls and I repeatedly asked for a detail invoice. This went on for quite a period of time. Eventually they said they would email the invoice and on XX/XX/XXXX they invoiced the original incorrect invoice in the amount of {$2200.00} They continue to make harassing calls and refuse to provide a breakout of charge. In one conversation the agent said I owed some personal property tax and daily charges for the turn in date after lease expiration but the dates don't coincide with the actual return date. I was told I could email XXXX. for end of lease issues and I did but she doesn't respond. I also called her line at XXXX. She does not return calls either. All of their emails come from a " noreply '' account so I can not communicate to them via email. I would like to resolve whatever amount is due but I can not get any cooperation from anyone at Ally. Your assistance will be appreciated. Ally financial should be suspended from providing any financial services to the public.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I recently applied for a refinance with XXXX XXXX my current lender is Ally I have been on the phone for numerous hours trying to fix this issue XXXX XXXX declined my refinance after approving it due XXXX erroronus reporting the Auto loan was closed. I have reached out to Ally and will be also filing a report against them They report that since the reporting on the other two credit for us were correct that this issue was on XXXX this has cost me and I can provide proof well over {$3000.00} of savings and a {$40.00} a month savings on my auto loan as well as a few months of payments this has hurt my family financially and wasted a great deal of my time. These times are hard enough but when I major financial company calls me this much harm as well as Ally passing the blame on to experience I am very upset all these long hold times in XXXX reporting has impacted my family and the issue needs to be resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60639
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I noticed inquires that I have not authorized on my credit report and I would like for them to remove immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07111
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A