Date Received: 2023-12-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 I for the first time ever signed into ally bank mobile app and went into the XXXX feature in the ally bank to transfer {$330.00} Dolllars to a known family member, before I could send it because it was my first time using this XXXX feature in the app it prompted me to sync my contacts from phone to the app & I did so, I was then able to find the known family member listed as my synced contact First and last name & clicked on it to transfer {$330.00}, after confirming it was sent successfully it stated the full name and number it sent too, I did not look twice because I knew it had synced and numbers looked correct the first time I checked but after 10 minutes of waiting for confirmation that my family member received the transfer, I checked back 2 times on the app now worried where it was since its supposed to be an instant transfer & while double checking in the synced contacts the recipients number was all but one number off the correct number. I then immediately called ally bank on XX/XX/2023 to dispute this transfer and try to figure out why the contact number information was wrongly synced by the app, they stated they dont have an answer for it and will try to investigate the matter. the next day XX/XX/XXXX I reached out to the individual who received the funds via text & to my surprise they were cooperating and helpful they confirmed they had received the funds and that they would immediately call there institution XXXX XXXX XXXX to reverse the payment back to my account since it was a mistake made by the app not syncing contacts correctly, On XX/XX/2023 I received a letter from Ally bank stating that there would be no provisional credit given to myself for there error and that they would continue to investigate. on XX/XX/XXXX the individual who received the funds by error, Received a letter from XXXX XXXX XXXX stating that the {$330.00} was debited from there account due to a misrouted transfer. I received this information and contacted ally bank on XX/XX/2023, and stated to them over the phone this information that I was given by the recipient from there bank, On XX/XX/XXXX, I received a letter from ally that the investigation was complete and they found that this transfer was authorized and not made in error confirmed by the recipient. I immediately got on the phone with ally and informed them of the letter from XXXX XXXX XXXX that this was sent back to my account due to a misrouted transfer. Ally then put in a new dispute to try and investigate if XXXX XXXX XXXX actually reversed the funds & On XX/XX/XXXX I was on the phone with ally again inquiring about the dispute and my funds that were supposed to be reversed and available weeks ago according XXXX XXXX XXXX reversing the transaction, I then was able by the help of the recipient who got the funds in error, to provide the trace number, case number and transaction number from XXXX XXXX XXXX confirming that they did indeed debited the account and revered the transaction back to my account, I provided all the details of this to ally on this date XX/XX/2023 over the phone & they told me they will yet again investigate and try to find where the funds are, it is XX/XX/XXXX & I have followed up with ally bank weekly since XX/XX/XXXX, and have been told that they dont know where the funds are and are not allowing myself to speak with the dispute team that handles these matters due to there company policys. Ally to this day XX/XX/XXXX are still stating no answer and referring me to XXXX XXXX XXXX & vice versa. Please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92626
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: 2023-12-06
Issue: Repossession
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: On XX/XX/XXXX around XXXX my car was illegally repossessed. I protested the repossession and the driver said its nothing he could do and to contact Ally. Ally removed title out of my name in order to sell the vehicle and reported the repossession to all credit bureaus. The next day I contacted Ally and after a brief investigation they admitted they were wrong and would return the car immediately. However, during this process the vehicle was illegally sold at an auction. After a month the vehicle was returned to me with scratches on the hood and a dead car battery which I had to replace. However title has not been reassigned to me. In the meantime Ally reported that I owe the remaining balance on my vehicle which I never authorized them to sell. Would love to speak to someone about this and thank you for your help. XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30606
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/XXXX, I filed a dispute with Ally Bank for a {$500.00} charge made with " XXXX XXXX XXXX '' ( oXXXX XXXX ). The money was used to obtain and retain lawyer/legal representation from XXXX XXXX XXXX XXXX XXXX was supposed to help me get back money that I invested in a book writing company ( XXXX XXXX ), nearly amounting to $ XXXX. XXXX said he could help me get ALL of my money back from the bank and/or XXXX XXXX because he was a lawyer and has helped people ( and a woman recently ) win similar cases. He mentioned his reputation was on the line and that he could represent me and ensure that we would win. The company XXXX worked for was also a book writing company- XXXX XXXX XXXX ( who originally reached out to me to help me with this fiasco. I was told by XXXX XXXX XXXX XXXX XXXX XXXX XXXX that XXXX XXXX were going into bankruptcy and said they could help me with my situation. I think she mentioned they were like a sister bookwriting company to XXXX XXXX and they seemed to already be familiar with me or got my number from them now that I think about it ( which is scary ). XXXX spoke with me and warmly transferred me over to XXXX. I spoke with him and once I spoke with XXXX XXXX and confirmed that he was a lawyer ( with his CA bar license number he provided me and I was able to immediately look up ) and that he genuinely wanted to help me with this, I agreed to the original contract between him and me. Ally Bank received this contract on XXXX and they later received an email conversation between me and XXXX XXXX XXXX XXXX XXXX XXXX where she sent the original contract and I provided written consent/agreement to the contract that also outlined the " refund '' process. Ally Bank then finally granted me the {$500.00} ( after going back and forth with them on the phone and providing my evidence ) but sent me a letter to the effect that said they reserve the right to charge me this money back if they get " proof '' from the merchant ( XXXX XXXX XXXX ), which they have NOT provided me by the way. I checked my account today and noticed that the {$500.00} was posted back to my account on XXXX unbeknownst to me, again with NO Proof of what the opposing party sent them to make the ruling in their favor. This is troublesome because this company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX recently sent the proof to another bank of mine ( who sent me the proof in the mail ) that had NOTHING to do with this event, charge, or encounter! Ally Bank should check the dates and emails on the " proof '' that was sent to them from XXXX XXXX XXXX XXXX ) because if the email did NOT come from an email ending in ( XXXX from XXXX or XXXX XXXX and if it was NOT sent after my initial contact with them on XX/XX/XXXX, then they are working in cahoots against me with the other book writing company and this evidence/proof has NOTHING to do with the contract I signed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please see the contract details ( dated XXXX ) that I signed for lawyer representation. Again, this encounter was for legal representation AGAINST XXXX XXXX so if the PROOF they received from XXXX XXXX XXXX XXXX XXXX entails info from XXXX XXXX again this is wrong information and an attempt to be used against me. It is unbelievable that Ally Bank would confuse and twist up the details of this matter, ruling in favor of XXXX XXXX XXXX XXXX XXXX XXXX ), with the false details they provided. PLEASE CHECK THE PROOF that was recently sent from XXXX XXXX so that you can see that I am being framed. I attempted to explain this to Ally Bank today and pressed the buttons to get to the dispute department. I reached a lady and told her that possibly WRONG/ FALSE PROOF could have been sent to them and I wanted to know why they would rule AGAINST me at this point. She then proceeded to say that she needed to get me to the " dispute '' department ( where I thought I was already ), however, the hold times had no end in sight. I have dealt with Ally before ( on numerous occasions ) with unpredictable hold times, requests for supervisors to call me back, and even requests to speak to a supervisor by name- all to no avail or success. It has been a very negative experience with them. As with the hold times, I am NOT guaranteed to speak to a supervisor but they will make you wait and wait, and they do NOT EVER call me back and have NEVER asked to verify my number to even call me back! The proof provided by XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX were potentially some emails and screenshots of conversations between XXXX XXXX and me, dated back in XXXX and XXXX of this year, from XXXX and XXXX. This is a red flag because XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX who reached out to help me with the conflict between XXXX XXXX and me ) are NOT the same company. How could Ally Bank miss this? They have " XXXX XXXX in their email address, not to mention the dates do not match or correlate with this case! The case that I disputed on XX/XX/XXXX with Ally Bank, was against XXXX XXXX, who was with XXXX XXXX XXXX Now although these companies more than likely knew each other, and maybe even worked together on some occasion ( I am unsure of this ), this appears to be one big plot from all of them, as it seems they are working together. Why would XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX send Ally Bank proof from XXXX XXXX XXXX when XXXX and I signed a contract and have email correspondence for him to represent me to get my money back FROM this company and/or banks? Again, if you put the pieces together, it seemed they were all working together. And again, I have seen this proof from another bank, but ALLY BANK has NOT sent me the proof ( although they have ruled against me- likely with the SAME FALSE proof that has been recently sent to a separate bank I disputed with for this company ). But even a bigger question is why Ally Bank did not use its investigative skills to see that these emails, sent XXXX and XXXX of this year, are not any kind of evidence or proof for legal representation or services I obtained from XXXX XXXX, in regard to the case/charge that I filed/disputed on XX/XX/XXXX? I did not even meet XXXX XXXX XXXX company/XXXX XXXXXXXX XXXX XX/XX/XXXX of this year, and this is a disappointment to learn that the bank could miss that. Again, this appears to all be a plot against me, but now it seems like a huge oversight on the bank 's end to NOT pick up this false information and reverse my ( provisional ) credit that I rightfully received, while allegedly investigating. It sounds like Ally Bank fell for the perpetrator 's foolish tactics and I just feel really bad now because this should have never been overturned with the irrelevant proof provided. I worked with a bad lawyer and he even mentioned " bribing '' the banks on one occasion which I should have taken more seriously. I filed a report against this lawyer due to actual and alleged misconduct. And I have expressed my disappointment and dissatisfaction with Ally Bank, time and time again but I am hoping that we can get it right now- once and for all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75241
Submitted Via: Web
Date Sent: 2023-12-06
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: NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company did not even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. Since adequate notice was not given as per the above-mentioned section, I could not understand its meaning which is a violation under 15 USC 1602 ( k ). Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors and unfair credit card practices. From your end, I have not benefited from this transaction which is again a violation of 15 USC 1602 ( p ). According to 15 USC 1602 ( p ), the term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from which the cardholder receives no benefit. I hereby request you to do the below-mentioned thing. DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you accept my request , I will not escalate this matter to Federal Court, in case, you do not accept the above request a legal action may be taken against your company for compensatory damages. Thank you for your attention to this matter. Sincerely, XXXX : XXXX. All Rights reserved without prejudiced
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07071
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: To Whom It May Concern, I am writing to file a formal complaint against Ally Bank regarding the sudden and unwarranted suspension of my checking account access. On XX/XX/XXXX, I deposited a check via electronic means, which subsequently led to the suspension of my account due to suspicions of fraudulent activity. Its crucial to note that I immediately took steps to clarify this matter. On XX/XX/XXXX, I reconnected with the third-party brokerage agent involved in cutting the check. The agent unequivocally confirmed the authenticity of the deposited check. Despite this validation, Ally Bank has persistently refused to disclose any specific suspicions or provide an estimated timeline for the ongoing investigation. This lack of transparency and the prolonged denial of access to my funds are causing substantial inconvenience and financial hardship. I urgently request immediate clarification on the alleged fraudulent activities and a clear, definitive timeline for the resolution of this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28226
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: This has been happening for over a year now. Every month it would take 3 to 5 times before they would full accept my payment. I believe it was XX/XX/. Ally financial auto loan. Payment should have been XXXX with XXXX going to financial fees. Due to continue late charges only XXXX is going to my principal. The only answer I get is that they can't find my BANK? Somehow 1 out of 5 times each month they can? They refuse to fix the problem. It has destroyed my credit. I can't get out of the loan due to the finances charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95124
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Reference : XXXX I purchased a XXXX security System direct from their website, www.reolink.com on XX/XX/XXXX. The security system was shipped, and I received it about a week later on Friday XX/XX/XXXX. The security system was shipped only using thin plastic wrap around individual product boxes. The boxes I received came severely damaged, and the seals broken ( see pictures in attachment ). I reached out to XXXX customer service, which is where this entire issue arose. It is very hard to find a phone number to call reolink, as their main method of contact is an email address. After finding the support number, I called and it would not connect or ring. As if the line was disconnected. I kept trying and trying ( see pictures in attachment ) until I finally connected to somebody within the customer service department at reolink. This person asked me to send the pictures to an email address, and they would be reviewed. This email address was for the technical support who takes care of returns or exchanges. The first response from the technical support team had asked me to open the cameras to troubleshoot. I opened the cameras and the XXXX recorder, and this is when I learned then product does not work. The XXXX is completely dead. I emailed back tech support, and they gave me an XXXX, but no return label. Per their return policy ( https : //reolink.com/warranty-and-return/ # For-Manmade-Defective-Products ) : If the product is defective ( not artificially damaged ) when you receive it, within 30 days of delivery, you can return to Reolink and get a full refund or replacement. XXXX are responsible for all shipping fees. The price to ship this heavy system back to reolink is around $ XXXX. I have had multiple conversations, and phone calls with support, where they agree these items are damaged. They informed me the only way of returning anything is through tehnical support, whom they only have email contact with. They then just re escalate my case, and the same technical support rep ( Yogurt ) keeps telling me to help them confirm they are damaged by troubleshooting. They have asked me to go to great lengths just to prove this system is not working, to get them to honor their return policy. He has asked me to spend multiple hours troubleshooting, and to record videos and upload them to www.wetransfer.com, a website I have never heard of, nor trust. Why am I spending my time trying to prove my case for a return? I have tried everything to get the company to honor their return policy. I am requesting a chargeback for this charge as the merchant is not honoring their return policy, and is unresponsive to any attempts to mitigate the situation. I am also attaching the email conversations and receipt of purchase for evidence. When I opened the dispute with Ally bank, I called the dispute department and opened the case. The representative from Ally told me to keep the items until the resolution is resolved. Ally took a very long time to come to a conclusion, and each time Ally states that I did not have enough information or evidence to support my claim. The seller did not offer any recourse for return. The cost to return the defective product is very expensive, and per the XXXX 's own terms and conditions, XXXX is responsible for all shipping charges for returning a defective device. Please see the attached evidence which shows XXXX is not honoring their return policy, and I have no recourse for return. The Ally rep mistold me to keep the items until the dispute was completed. This was over the phone, and those phone calls should be recorded. https : //reolink.com/us/warranty-and-return/
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 99206
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Ally reports late payments on my credit report without consent or proper notification to deem payments " late. '' They have lied to me stating they would be removed via phone then send correspondence stating they are " accurate '' without sending documentation related to investigation or documentation showed that notification was sent 21 days prior to due date as required by Truth In Lending Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21206
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Upon requesting information for Ally in regards to whether the appropriate tax documentation had been submitted to the IRS and notification of my intent to negotiate settlement of debt ASAP, my account was designated as a " Consumer Fraud account ''. I called the ALLY representative who stated that although no fraud was committing because they did not report tax information that it was protocol. I was then faced with punitive action by despite no wrongdoing. This punitive action included Ally breaching my contract and changing payment terms. Despite having made all payment on time, Ally made it impossible to make payments outside of non standard methods such as cashiers check or XXXX XXXX. Ally also removed my ability to access certain features in my account portals, such as online, payments, pay off quotes etc. When I called Ally, they would transfer me from department to department as my account was flagged as fraud making it very difficult to receive any information to payoff my debt and sell my vehicle. On multiple occasions Ally agreed to send payoff amount and then did not do so. Ally also refused to grant copy of title to provide my bank for payoff. Ally created a discriminatory and negative client experience for punishment in asking legal questions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48235
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Good Evening, According to the Fair Credit Reporting Act, Title 15 of the United States Code, Sections 1681 et seq, I have a legal right to have to hard, unknown credit inquiries removed from my credit history. I was going through my credit history as I do twice a year and I noticed a lot of stuff that I didnt notice before from this year and last year they are completely unrecognizable. There are a lot that I do recognize authorize such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The others I do not recognize and did not authorize. Below are the ones listed that I did not recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 54904
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A