Date Received: 2023-12-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone stole my identity and used it to create a joint account and obtain an auto loan on a XXXX dollar vehicle which had a XXXX interest rate. I would never do such a ridiculous thing. On XX/XX/XXXX I called the company ( Predatory lender Ally Financial ) and requested that the account be closed. I also filed an FTC report and disputes with all 3 credit bureaus. I was questioned and made to feel as if I was a suspect. Ally Financials ' fraud department then told me after a line of questioning that an investigator would reach out. The investigator XXXX XXXX called me the next day, but I missed the call. I tried to return the call the next day and the following days but was always told she was in a meeting, or she was busy. I am very nervous to speak with her because, after my initial contact with Ally Financials ' fraud department, it was like they were there not to help but to disprove my claim and keep me on the hook for this fraudulent account that has wrecked my life.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45011
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: My rent check, Check XXXX XXXXXXXX sent through XXXX XXXX, was stolen and cashed. I have not been reimbursed this stolen {$940.00} yet. I have my rent check automatically scheduled to be sent through Ally Bank. For my rent due XX/XX/XXXX, I scheduled delivery of this check by XX/XX/XXXX. On XX/XX/XXXX, right before going to sleep, I went on my Ally Bank portal to just gloss over my account. I immediately noticed that my check was deposited. This was a red flag to me, as my checks are not usually cashed this quickly by my landlord. I also noticed that the endorsement on this check was different from the usual endorsement my landlord makes. Specifically, this check was endorsed with a signature, and not a XXXX XXXX XXXX stamp. For example, Checks XXXX, XXXX, XXXX, XXXX all have the stamp. Check XXXX ( the stolen check ) does NOT have the stamp, and just has a signature. With this information, I checked my landlords portal and saw there was a balance still outstanding. I sent an email to my landlord confirming that they had not received my rent check, then went to bed. The next morning, at XX/XX/XXXX, I got an email from my landlord confirming that my check had not been received by them. With that information, I went to the City of XXXX XXXX XXXX Police Department to file a police report about this stolen check. The report number is XXXX. With this police report filed, I called Ally Bank to dispute the stolen check. Ally Bank gave me Dispute # XXXX. This means I reported the stolen check in about 14 hours after the check cleared my account. On XX/XX/XXXX, I received notification that my dispute was closed, and that no fraud occurred. On XX/XX/XXXX, I called Ally Bank and was told that I could not appeal the decision. On XX/XX/XXXX, I called Ally Bank again. I highlighted how I filed a police report, and how the endorsement for this stolen check was different from all the other rent checks that my landlord cashed. Multiple agents on the phone recognized that this check was fraudulent. However, all they did was open a new checking account for me, as my old one was compromised. Beyond that, they refused to help me get the {$940.00} stolen from me back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 020XX
Submitted Via: Web
Date Sent: 2023-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-15
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: XX/XX/XXXXXXXX Dear Consumer Financial Protection Bureau : Evidence indicates that I, XXXX XXXX, the owner of the two ( 2 ) bank accounts and one ( 1 ) investment mentioned in this complaint, have NOT received, at minimum, any printed bank statement ( s ) from either of the Subjects in this complaint, Ally Bank and/or Ally Investments, since I discovered on XX/XX/XXXXXXXX that the Subject banks in this matter, Ally Bank and/or Ally Investments were, are, and continue to illegally and unlawfully bar my online access to any and all of my three ( 3 ) accounts at Ally Bank and Ally Investments . Subject bank ( s ) assert, in Subject bank 's response to my Consumer Financial Protection Bureau complaint number XXXX on XX/XX/XXXXXXXX that " On XX/XX/XXXX, when you opened your Spending and Savings Accounts ending in XXXX and XXXX, respectively, you agreed to the consent. '' Thus, the Subject ( s ) Ally Bank and/or Ally Investments requirement on or about XX/XX/XXXXXXXX demanding my re-consent, to consent a second time, to terms Subject ( s ) allege were already in full force and effect since " XX/XX/XXXXXXXX '' makes the demand ( s ) of these Subject ( s ) on or about XX/XX/XXXXXXXX redundant, arbitrary, capricious, and completely unnecessary. As a direct result of Subject banks ' arbitrary, capricious, and malfeasant placement of a redundant and unnecessary intervening web page between my former ability to log into my accounts with my subsequent access to my accounts at stake, Subject ( s ) Ally Bank and/or Ally Investments are and continue, in fact, to obstruct my former access to my bank accounts at Ally Bank arbitrarily , capriciously, and malevolently. I have not been able to access any one of my three accounts at Ally Bank and/or Ally Investments for over a month and a half. Subjects Ally Bank and/or Ally Investments have not provided me any printed bank statements, have not provided me any way to access or to administer my accounts since Subject ( s ) Ally Bank and/or Ally Investments arbitrarily, capriciously , and malevolently placed Subject ( s ) ' intervening web page between me and my former online access to my accounts, including and thereby criminally impeding my former ability to trade using the Ally Bank website through which , prior to XX/XX/XXXX of this year, I had not been impeded and wholly blocked by the Subject ( s ) Ally Bank and/or Ally Investments from administering my three ( 3 ) accounts. Subject ( s ) Ally Bank and/or Ally Investments are attempting and continue to attempt to extort more favorable contract terms capriciously, arbitrarily, and malfeasantly amended by these Subjects Ally Bank and/or Ally Investments by way or by means of extortion and extortive business practices and embezzlement and malfeasance directly resulting from Subject Ally Bank and/or Ally Investments extortive and extortionate business practices , one-example-of-which is their arbitrary and malfeasantly placed demand for consent to amendment to contract terms that their letter of XX/XX/XXXXXXXX indicates was first established on " XX/XX/XXXXXXXX ''. Furthermore, the simple fact that the Subject ( s ) Ally Bank and/or Ally Investments Customer Service Representative did not and has not completely identified him or herself with their first and last names on their reply dated XX/XX/XXXXXXXX to the Consumer Financial Protection Bureau or to me, the complainant, indicates and is highly suggestive of the fact that employees and/or executives at Subject Ally Bank and/or at Subject Ally Investments are attempting to impede any and/or all legal processes to remedy the harms caused by Ally Bank and/or Ally Investments in this or these unresolved and ongoing matter ( s ). Exactly how is process to be served when Defendants refuse to identify themselves? Please advise. Very truly, XXXX XXXX cc : //
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-16
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I contacted Ally on XX/XX/2023 to request a balance letter. I was told that the letter would be faxed. I never received the letter. I called back on the same day to confirm the correct fax number. I was told that I would receive the fax by the end of the next business day on XX/XX/2023. I never received the faxed balance letter. I contacted Ally again and was told that I wouldn't receive the letter by fax as it had been mailed and I will have to wait to receive the letter in the mail. This is unacceptable. This is holding up and could prevent my purchase of a home!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2023-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: A {$24.00} balance was supposed to have been waived by Ally Financial. The wavier was not processed in XXXX and no additional communications were sent to me. Ally Financial never reported this on my credit report so I did not know this amount was owed. Ally Financial then reported this to the credit agencies in XXXX and is now severely impacting my credit score such that a mortgage that I'm trying to get will cost me over {$6000.00} more. Ally Financial told me that they can not do anything to remove this from my credit report now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07042
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: I was trying to purchase a car so I had an inquiry made on my credit from XXXX XXXX XXXX dealership but then I looked on my credit report and 4 other dealerships had made an inquiry on my credit when I never gave them permission
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31322
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Sent letter to company to remove late payment. This is not the right information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19138
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-14
Issue: Repossession
Subissue: Notice to repossess
Consumer Complaint: This is a notification that my account is supposed to be in a disputed status and no actions should've been taken that affected the aggrieved party until matters were resolved. Yesterday, my vehicle was wrongfully possessed, firstly under a breach of peace, and secondly because I'm currently disputing the issues with the Executive Customer Relations team. XXXX XXXX - XXXX EXT XXXX, XXXX - XXXX EXT XXXX. I sent notarized correspondences to the CEO XXXX XXXX, Indentured Trustee XXXX XXXX of XXXX XXXX, Owner Trustee XXXX XXXX of XXXX XXXX, as well as the Legal Department. All correspondences were sent via Certified Mail, including a security which was sent Registered Mail. That information is included in the attachments. Ally is in violation of the following codes : UCC 1-609 : Right to Adequate Assurance of Due Performance UCC 1-304 : Obligation of Good Faith UCC 3-604 ( a ) : Discharge by cancellation or renunciation UCC 3-305 : Defense for recoupment UCC 3-306 : Claims for recoupment 15 USC 1693 : Can not demand payment in any specific coins or currency of the U.S. 15 USC 1692e : False and misleading representations Fair Debt Collections Practices Act 16 CFR 433.1 - Preservation of Consumers ' Claims and Defenses Amongst these violations, Ally also has fraudulently concealed material information and is denying full disclosure of my justified concerns according to Federal Reserve publications, USC definitions regarding money and the nature and transparent definition of deposits. My defense to their claims that I owed any money was that the promissory note has actual value, whereas their credits for funding the alleged " loan '' is in question. In 2021, re : Ally Financial Inc. v. Haskins, Ally had paid a $ XXXX settlement on a class action lawsuit, regarding wrongful possession practices of customer vehicles, stemming from not following the provisions in the Uniform Commercial Codes. This circumstance is no different, and I am hereby making notice that Ally and all affiliates to this transaction are co-conspirators in these violations and may be assessed as such. I have filed a UCC-1 Financing Statement showing that I have a public notice of an ongoing interest in this instrument, which is my collateral of which Ally has never provided equal value or consideration, and has operated under extortion, fraud, and misrepresentation. The public notice is sufficient to show the following : a ) I am the debtor. Which means I have an interest in the collateral, and I have sold Ally the promissory note. UCC 9-102 ( 28 ) b ) Ally is the Secured Party . To whom a promissory has been sold UCC 9-102 ( 73 ) ( D ) c ) My collateral, the Promissory Note, was sold to Ally UCC 9-102 ( 12 ) d ) I am due the proceeds of my collateral. Either the Promissory already paid for the vehicle, or Ally must prove that they provided funding, and from which source. UCC 9-102 ( 64 ) Again, because Ally is still in violation of not providing Adequate Assurance of Due Performance by concealing and ignoring my justifiable concerns, they must return my vehicle until the matters have been settled. The grounds by which they may attempt to claim possession of my vehicle will be based on the premise that I have not paid the account over the past 3 or 4 months. Therefore, they would claim I have no financial receipts evidencing a public interest in the vehicle or the instrument. Yet that is inherently false. The UCC-1 filing shows that I have an ongoing interest in the instrument under a " Seller/Buyer '' designation, and Ally has to prove that they have paid me the value of the Note that I submitted, and from what source. Additionally, Ally has restricted my account over the past 4 months, demanding only certified funds be collected. In the documents included, you will see that I submitted an inquiry asking what laws, statutes, codes, or contractual agreement gave them the right to demand that. The only response they gave was that the Fraud Department determined this. After calling the Fraud Department, they said they have no substantial reason to determine such policy. That call is recorded and I have the records of those. These alterations of terms and creating policies that neither honor the Uniform Commercial Codes and spite the customers who inquire about such policies in good faith is egregious and must be addressed. My claim is in Recoupment UCC 3-305/3-306. ALLY must repay me my value in which I negotiated, and in which is being portrayed as a loan. The Federal Accounting Standards provide guidance to whether my instrument was sold off to be securitized, in which case I'm no longer liable, or if it's still on the liabilities side of the book in an off balance-sheet entry on the ledgers. ALLY MUST RETURN MY VEHICLE UNTIL OUR MATTERS ARE SETTLED, I WILL PAY THE FULL AMOUNT TO DATE AS LONG AS THEY AGREE TO CONTINUE THE COURSE OF ARBITRATION/LITIGATION/ADJUDICATION/SETTLEMENT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85255
Submitted Via: Web
Date Sent: 2023-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I recently financed a vehicle with Ally. Made the first payment in XXXX via their website. In XXXX, I could not make a payment from the website or app as my account does not have the vehicle/loan information in it. I've called Ally MULTIPLE times to get this fixed. Most that I talk to have no idea what's going on or why. After finally getting a manager to talk to me, she told me they had a system issue and working on it. I was told this last week ( XXXX ). It's been down since the second week of XXXX. The only option they now give me to pay my loan is via phone to a third party that charges a fee to make the payment. This bank has issues and something larger than being revealed. ( breach, hack, incompetent, whatever it is ). All I want is to be able to pay my loan, see the loan data ( interest paid etc ) and NO ONE there can help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 241XX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: In 2020 I went to the XXXX dealer to get a new car, I got a XXXX XXXX for XXXX for a term contract of 72 months thats a low value vehicle for 6 years, clearly moneys were moved around to make the prices jump so much. upon leaving the dealer the total for the car was at XXXX years later i see i still owe XXXX so i started to do the math and research and i've come to find there were many violations that i was unaware of when buying the vehicle that i wasn't made aware of the sum of all charges were insurance should've been included, consumer credit transaction is cash on hand and that didn't happen either, the laws and fees were not disclosed properly and fed lies off of a good faith agreement rather than a consumer credit transaction.upon finding this i reported to the bank and they said they would hit my credit until the issue was resolved while i filed a complaint. In accordance with the fair credit reporting act this creditor ALLY FINACIAL has violated my rights under 15 USC 1681 section 602 I have the right to privacy, 15 USC 1681 section 604 a section 2, It also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34746
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A