Date Received: 2022-01-20
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I have a Roth IRA with Ally Bank I contributed {$4000.00} over 5 years ago I took out {$3500.00} which is not a taxable. The bank sent me a 1099r for ealry withdrawl. It was not a withdrawl on earnings made from the roth IRA it was part of what I put into that account. I can withdraw contributions I made to my Roth IRA anytime, tax- and penalty-free. However, you may have to pay taxes and penalties on earnings in your Roth IRA. Withdrawals from a Roth IRA you've had less than five years
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 54304
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
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: I recently refinanced my vehicle loan with Ally Auto ( Account XXXX XXXX ) to another financial institution to lower my interest rate. As part of the refinance, I cancelled my service warranty with XXXX XXXX. A prorated refund of the service warranty in the amount of {$880.00} was remitted to Ally Auto on XX/XX/XXXX. Ally applied this to future installments. Then the loan was paid in full on XX/XX/XXXX. On XX/XX/XXXX I contacted Ally Auto using their in app messaging feature, to receive an estimated time frame to receive my overpayment. Ally Auto wrote me back on XX/XX/XXXX, stating that it was taking them more than 40 days from the paid in full date to begin processing overpayment refunds, and then an additional 7 to 10 days to mail the check to the address on file. They did not apologize, nor did they offer an alternative way to receive a refund given their delay. I still have GAP insurance with XXXX XXXXXXXX that I want to cancel. XXXX XXXX informed me that they would send any refunded amounts to Ally Auto, even though the loan is paid off and they are no longer the lienholder, and I apprised them of Ally 's delays in processing overpayments. This process will mean an additional delays of overpayment refund amounts. I know that any undisputed mortgage overpayments have to be remitted to the borrower within a two week time frame. I don't see how a vehicle is different. I understand that the pandemic has put many organizations under stress, however financial services is not directly impacted by supply chain shortages or labor shortages like other industries. As soon as these bottlenecks began to occur, Ally Auto should have adjusted their staff or their processes to compensate. I'm growing tired of the pandemic being used as an excuse to justify terrible service and disorganized management. This has been our shared reality for nearly two years, it's time to adapt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97005
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I asked for debt validation as per 15 usc 1692g a ( 1 ), ( 2 ), ( 3 ), I asked for the following : the original contract stating any obligation to this debt. Who is the debt owed to and who was the original creditor that extended credit. I submitted to them different letters and phone calls. They did not respond with the validation requested. I stated if they were unable to find the request then im not obligated to pay anything and the debt is null and void and they arent able to collect. I also submitted a cease and desist in my letters on phone communications of contacting my family members or selling my address to other companies. Im being XXXX and people are being sent to my house without my consent. They are using abusive practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11412
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Upon reviewing my updates, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : ALLY FINCL XXXX Balance : {$5200.00} ALLY FINCL XXXX Balance : {$36000.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 299XX
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Ally produced a forged contract and continue to submit this fake. They are lying and violating many fdcpa laws as well as tila.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77450
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: This company is called XXXX XXXX or Ally Financial and they keep calling my number 6 times a day at least asking for someone I have never heard of. This is a new number and I imagine this was the previous owner of the number. I called them back to report this and they asked my name and said they would take my number off and for me to hold the line. I held the line for over a half-hour and they never came back to the line and continue to harass and call my number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95363
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-18
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I have been contacting Ally about having issues making my payment as I have been impacted by Covid. They have offered absolutely no assistance. I informed them that I lost both parents in the span of XXXX and XXXX of 2021 which created a financial hardship for me. They refused to help. Then to make matters worse, my entire household is battling Covid as we speak. And Ally has absolutely no assistance in place to assist their leaseholders. I have not even had late payment until recently.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48101
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-18
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: On today XXXX, XX/XX/2022, Ally Auto would not let me speak with a supervisor about my account to get it fixed after calling 3 times. No actions have been taken by the company. There are over {$800.00} showing after my account is to be paid off this XX/XX/2022 2022
Company Response:
State: GA
Zip: 314XX
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-18
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I had a checking, savings and 2 Roth IRA accounts. a few weeks ago I got a notice that Ally decided to close my checking & savings accounts on XX/XX/XXXX - Today. So I made sure to transfer the money out of those 2 accounts. So today I tried to login. to my Ally XXXX accounts .. and I get the following message : Online Access Temporarily Blocked Your username is currently blocked, inactive or not enrolled. Please call us 24/7 for help. I called support and they tried to reset login but nothing helped. It seems that when they closed my checking and saving accounts they also blocked my online login and now they dont know how to resolve it! So now I don't know what to do to gain access to my Ally XXXX accounts.. and neither does Ally Bank!?! This after spending XXXX minutes on the phone with support and multiple holds and transfers they finally able to restore online access. Problem is, Ally Bank and Ally XXXX are 2 separate entities but the user has the same login! so when Ally Bank closes a account and blocks online access, they are also blocking access to Ally XXXX without them even realizing it. Ally must correct this process cuz the same issue will continue with anyone else who has both All Bank and Ally XXXX accounts
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-17
Issue: Problems at the end of the loan or lease
Subissue: Problem when attempting to purchase vehicle at the end of the lease
Consumer Complaint: I recently requested a 30 day quote to purchase the XXXX XXXX XXXX from the current lease I have on it. I requested a quote to purchase it as an individual and as a company as I own two auto dealerships. Ally Financial quoted me {$33000.00} to purchase it as an individual and {$55000.00} to purchase it as a dealer. I believe this is completely unacceptable and in violation of the lease agreement. I shouldn't have to pay more to buyout the lease just because I own an auto dealership and I'm wanting to purchase through the company I own. I would like to come to an amicable resolution so that this does not get escalated to the XXXX XXXX XXXX XXXX Court system.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90280
Submitted Via: Web
Date Sent: 2022-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A