Date Received: 2021-11-08
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I attempted to close an account with a remote bank - Ally Bank in XXXX XXXX, PA. As this was a trust account, the authorization process was much more complicated than the personal accounts I also had at the bank. With those accounts, I was able to transfer funds out of Ally via their website to my local bank. With the trust account, however, I was required to call the bank and go through a very detailed process to ensure that I was the trustee on the account. When we finally got through this process, they ensured me that they would be sending me the account balance via a check. They confirmed that on the day the account was closed ( XX/XX/2021 ) the account balance was {$12000.00} and that I'd have the check in a few days. After several months and several phone calls, they indicated that they had already sent the check, but I never received it. They then said they would need a notarized affidavit regarding the lost check, which I sent them on XX/XX/XXXX. Again, I did not receive any check. I contacted Ally again in XXXX and indicated that I had never received the check. The customer service rep finally found my affidavit and indicated that it had not been processed yet. After a long phone discussion and the significant delay in processing my request, Ally agreed to wire transfer the money to my XXXX XXXX account. I provided the routing and account numbers and waited. I called them again two weeks ago and again asked where my money was. They indicated that after agreeing to send me the funds via wire transfer, they'd changed their minds and in fact needed a different form of affidavit regarding the lost check and wouldn't be sending me my funds, even after a five month delay, numerous phone calls, long wait times, constant transfers amount their internal departments and many broken promises.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94109
Submitted Via: Web
Date Sent: 2021-11-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-08
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: On XX/XX/XXXX approximately XXXXXXXX XXXX. Eastern standard time I went into XXXX XXXX XXXX located at XXXX XXXX XXXX XXXXXXXX, NY XXXX. I was greeted by a sales representative that goes by the name of XXXX, I then told him that I would like to apply to finance a vehicle under my business with a commercial financing application. I then told XXXX that I would like to go through Ally financial because I've been hearing good things about that company helping small businesses acquire their first vehicle. Instead of submitting the application XXXX began to pre-screen me. He asked that I ever purchased anything with my business before, he asked do I know what's on my business credit, he asked what type of trade references are on my business credit. I figured that was weird because that's something that he could actually input my business information into the computer and find out but I felt as if I was being profiled before I was given the opportunity to actually check my credit. I told him several times to just check my credit and that I do not want to put any money down and he said okay sit in my office, then made me wait and I believe they were hoping I would get tired of waiting and just leave. I went to sit down at XXXX 's desk and he said he was going to the finance department. XXXX did not at any point hand me the application that I requested. Instead he went to the finance department and came back and told me that he can not run my application because the banks were closed, the bank that I asked for ally financial was not closed because I took the initiative and called and the representative said that they were still open the business department however closed at XXXX XXXX. Central standard Time and because I was in Eastern time I still had literally an hour prior to them making me wait to even give me an application. XXXX said I should leave a deposit and they will do it tomorrow, but I had already Expressed to XXXX that I did not want to put any money down. Please keep in mind that this dealership closes at XXXXXXXX XXXX and the bank that I wanted to submit my application to was not closed. XXXX said that's what he was told by his finance XXXX I then began to express how I felt that I was being discriminated against and being profiled before I even got the chance to fill out the application and that they lied about the bank being closed because the bank was clearly open as well as their dealership. I asked for the finance XXXX name and XXXX did not want to give it to me. I was treated so poorly. XXXX assured me that was not the case and that he's only transferring information that he was told, I did repeat my concerns again and then he gave me the application to fill out. During that whole time I asked XXXX for the name of his finance manager he would not give it to me, no one wanted to give me any information about who gave me the information that the bank was closed. I overheard a man talking about me over the phone to someone stating that I wanted to purchase a vehicle under my business. The whole time he was talking on the phone they made me wait at least XXXX minutes before running my application at all. I physically had to take my own application to the finance office and force them to submit a credit app for me ( it is all on camera ). I'm not sure if this is how I was supposed to be treated but I know it did not feel like I was supposed to be treated. I later found out that the finance XXXX name is XXXX they did not give me any last name. After waiting all that time when they could have easily submitted my credit application as soon as I walked into the door the bank eventually ended up being closed and when they submitted my application it came back with a denial with inaccurate company information logged on the denial. I was assured by the finance XXXX that he would submit my application the very next day the very next morning, but that also was a lie. I waited for a phone call from the finance XXXX the following day which would be XX/XX/XXXX and I did not receive a call when I called into XXXX I was told that the finance XXXX was off for the day and that he is always off on those days. Which he already knew before he told me that he would submit the application at the top of the morning to a live representative, so he lied about that as wel.l So not only was I profile as soon as I got there, I was lied to, and was discriminated against and I do believe that this denial was given to me because they did not simply want me as a customer. They lied about running the application to an actual bank representative the next day XXXX knew that he would not be working the next day. I let them know that I will be filing a complaint against their company for the XXXX profiling and economic discrimination. I would like to move as forward as I could with this claim they made me feel like XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11701
Submitted Via: Web
Date Sent: 2021-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-07
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: On XX/XX/2021 i applied for credit in which i was denied for the amount of {$12000.00} and received an adverse action letter from Ally Bank. Pursuant to 12 CFR 1002 regulation b, it protects applicants from discrimination in any aspect of a credit transaction. Ally Bank has discriminated against me and discouraged me to extend credit. Also pursuant to 15 USC 1681a ( k ) ( 1 ), it was never mentioned a denial for credit. Ally Bank has violated my federally protected consumer rights and has caused emotional and mental stress after reading the adverse action form sent to my home, showing they are willingly and knowingly taking action in false and misleading practices. Such violations holds Ally Bank criminally and civilly liabel. Attached to this complaint is the adverse action form from Ally. There is no third party involved in this complaint, i XXXX XXXX give authorization for the CFPB and Ally Bank to move forward with this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60453
Submitted Via: Web
Date Sent: 2021-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-06
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: My ex boyfriend and I each opened bank accounts with Ally inXX/XX/XXXX so we could transfer money to each other easier and keep track of it. He apparently used my social security number to open his as well, although I made it clear I did not want a joint account and opened my own personal account like we had discussed. I recently got an email saying the account was overdrafted which confused me because I never actually even used my own ally account since opening it. I called the bank and they said my social security number was submitted when he had opened his own personal account, which I specifically did not authorize. In order to close out the account the remaining balance must be paid off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02703
Submitted Via: Web
Date Sent: 2021-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-06
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Ally Bank report false information to the credit bureaus yes the car was repossess but the car wasn't repossess from my residence or worksite. Ally Bank contact XXXX XXXX aka XXXX XXXX to find the shop to gain repossession of the car. During ligation I was told I can bring in XXXX XXXX in as an third party defendant to find and gain repossession of the car in case docket # XXXX. Ally Bank non-suited the case XXXX XXXX the case docket # XXXX and less than an week later I receive a letter claiming they have the car from the letter was posted dated XX/XX/2021. Ally Bank had the car during ligation and kept it conceal that's basically Fraud. I believe the main reason why Ally Bank non-suited the case is to avoid paying me the {$40000.00} bond for a wrongfully issue " Writ of sequestration '' and to protect their lawyer from the charge of perjury on an sworn declaration. Ally Bank is trying to make it look like I put the car in the shop and hide it and they later repossess it. This is false XXXX XXXX hide the car at an shop and didn't me where and Ally Bank later repossess the car by contact XXXX XXXX without letting me know and then file an illegal lawsuit pretending that they never got in contact with him. If Ally Bank refiles then I will remove the case to federal court and counter claim for misrepresentation and fraudulent concealment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2021-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I should not have any late payments reported on my credit report due to Covid-19 becuase I was affected by the coronavirus pandemic. ALLY Financial is reporting inaccurate late payments on my consumer credit reports. ALLY Financial is not complying with the Fair credit reporting Act 15 U.S code 1681s-2 ( F ) Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. ( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. XXXX, XXXX and XXXX credit reports show late payment of 30 days from XX/XX/XXXX to XX/XX/XXXX. XXXX, XXXX and XXXX show 60 days late. A late payment can't be 60 days late. No report was made for XX/XX/XXXX on all three credit report. Ally financial has violated several FCRA laws.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29730
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-06
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: I bought a used XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, California on XX/XX/XXXX. According to the salesman, he said I got approved by XXXX XXXX for my auto loan. According to the contract, I financed {$50000.00} with the monthly payment of {$900.00} starting on XX/XX/XXXX. Today, XX/XX/XXXX, a lady called me and said she is the director of the Finance Department from XXXX XXXX XXXX. She demanded a check of {$55000.00} to pay off the car I just bought, which I was fully surprised about. I asked her what was happening, and she said she saw the note that I will bring a check of {$55000.00} to the dealer. I was confused about the information she just said and did not understand what was going on. I mentioned to her about XXXX, who works at XXXX XXXX XXXX finance department and also worked with me to finish the documents the day I bought the car. About 3 hours after the conversation with the director of the Finance Department, XXXX XXXX XXXX. I received a notification that someone just ran my credit report. There were 2 credit reports under Ally Financial on my record today. I called XXXX XXXX XXXX, talked to XXXX. and asked her what was happening. She said there were some mistakes on how they process the documents. I was upset and asked why they ran my credit again without my permission. She couldn't answer my question. I also questioned her about why I got my auto loan from XXXX, but the dealer ran my credit report again today. She said will get back to me when she has a chance to talk with the director. I told her I will file a complaint to the Consumer Financial Protection Bureau about this matter. I have the proof as the voicemail from XXXX XXXX XXXX as well as the contract I signed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92084
Submitted Via: Web
Date Sent: 2021-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: I contacted Ally Bank and requested validation for a debt they hold in my name onXX/XX/2021. I have not received a response back from them. Since they have not responded in the allowed timeframe ( 30 days ). By law they are required to Cease from any and All Collection activity and promptly delete any accounts they hold in my name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18017
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Vehicle was paid off on XX/XX/XXXX they are reporting loan still active and late for XXXX. I have made four calls and disputed with all three credit agencies. Still showing active and late payment. Today the denied us for a new loan for another vehicle. I have hit road block after road block with this issue. Company is Ally auto
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33572
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A