Date Received: 2023-12-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX have 23 credit inquires never made and refuse to remove them after i disputed them and there are accounts they tried to take money out of my bank account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23518
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I was pre-approved by a XXXX XXXX XXXX in XXXX, Delaware. I needed to replace a totaled car due to an accident. I was pre-approved through Ally Finance the last week of XX/XX/XXXX. I went to XXXX on XX/XX/XXXX. I was told to go into XXXX to sign my documents. My pre-approval loan included gap insurance. XXXX ran their own credit reports. I told them they did not have approval to run my credit again. The issue was resolved and I left with a XXXX XXXX XXXX. On XX/XX/XXXX, 16 months later, I was in a XXXX accident. The car was totaled. XXXX XXXX at XXXX ext XXXX confirmed my loan had XXXX insurance but could not give me the information. XXXX loan papers does not have it included. So I'm requesting the actual recording to be researched. I know 100 %, I requested XXXX insurance because of the loss in XXXX. I need the remaining balance to be paid off. I don't know why it's not notated but the finance amount is exactly what the representative quoted me with the XXXX insurance. Please Help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I WANT TO GET ME AND MY CHILD A PLACE TO STAY AND I REALIZED THAT I HAVE DAMAGES ON MY CREDIT REPORT AND ACCORDING TO THE 15 U.S.C 1681 LAW THERE SHOULD NOT BE ANY FDAMAGES ON MY CREDIT REPORT THAT IS A DEFIMATION TO MY CHARACTER
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have a checking account at Ally online bank. The ally account was connected to my XXXX account. My XXXX account was hacked and someone sent money to the scammer, using the connected bank ( ALLY ), on my XXXX. Two transactions. Ally reversed the first transaction, but they refused to reverse second transaction for some reason. No reasonable explanation/reason was provided. Reversed TX : XX/XX/2023 XXXX XXXX XXXX {$49.00} But this one was not reversed Reverse-Rejected TX : XX/XX/2023 XXXX XXXX Future Amount : XXXX ~ Tran : XXXX {$99.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90703
Submitted Via: Web
Date Sent: 2023-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: My bank has been trying to payoff my car loan since XX/XX/23. Sent multiple checks. I have had to call multiple times and have been hung up more times than I can count. Finally today after being so fed up and speaking with rep after rep all saying the check was not received I asked for a supervisor. He stated no payoff check has been received. At that point I tracked the XXXX package myself and see the check was indeed received by Ally bank ( for the XXXX time ) on XX/XX/23 at approximately XXXX. I inform the supervisor of this to which he puts me back on a lengthy hold and finally comes back with the processing center does have the check. But still won't post to my account until Tuesday ( Another 4 days ) Not only was this aggravating & asinine but seems extremely unethical to hold over XXXX XXXX dollars for days without posting it to the customers account. The reasoning was to ensure the funds cleared, but Respectfully that is only my problem if the funds are returned. Also someone can call the bank directly to verify funds ( I work at a bank and its done every day ). It seems Ally is trying to rack up those extra daily fees late fees ect & most importantly affecting my account history and possibly my credit just to pad more money onto the payoff. It's really unfair & unacceptable on top of lieing about even receiving the funds. I will attach if able screenshots of the multiple calls made the info sent from the bank and the tracking info from XXXX.
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: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4a section 2 ( it's also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit 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: PA
Zip: 19136
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: .ALLY BANK APPLICATION HAS NOT BEEN FIXED. I STILL HAVE TO ENTER MY ID and PASSWORD TO LOG INTO ALLY APP, it won't save my credentials and FACE ID and PASSCODE DON'T WORK!!! Fix it!!! I have placed a complaint with attorney general!!! Additionally, it took me six days to transfer in between accounts of my own!!! And I have no money available at the savings account to pay my bills!!! UNACCEPTABLE. This bank is treating customers terribly!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33486
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened ally checking spend account recently after seeing the banner when i login to my ally savings account, that advertise to get {$200.00} bonus when i open checking/spending account with them and receive a direct deposit. so I opened account and meet the direct deposit requirement that they say, but I still have not gotten bonus even after XXXX which is what they advertised.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95630
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I had an available balance on my checking account of {$5400.00}, and then made a debit purchase for {$4500.00}. The next day, Ally told me that my account was overdrawn by thousands of dollars. But I have a screen shot showing that the money was in my account when I made that purchase. I called and disputed this, and they told me that my account would remain frozen until they completed their investigation. They were quite rude. I waited over a week, and when they finally unlocked my account, the remaining {$3800.00} I had in my savings had been automatically moved to my checking account and then disappeared. Now I have literally no money in my account because they took it without providing any explanation whatsoever. Why did they tell me that I have enough money in my account to cover my purchase? If I didn't have that money in my account, then why did they allow the debit card purchase to go through for thousands of more dollars than they say I had in my account? They have provided no explanation whatsoever for these questions, and just took the remaining money I had in my account that was completely unrelated. This should be criminal and I want my money back and an explanation. Every time I call they have just been rude and refused to answer my questions or provide any information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27587
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: Ally Financial has not provided original consumer transaction paperwork! I did not know that a contract could be assigned to a third party. From dealership to third party without consideration to me the original creditor.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 279XX
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A