Date Received: 2023-12-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had more than enough money in my Ally bank account, and I made a purchase for about {$4300.00}. I believe it was on XX/XX/XXXX, or possibly XXXX, but can't know for sure because I have been completely blocked from signing in and accessing my account. Then a day later, Ally bank told me that I overdrafted my account by {$4300.00}, which I don't even understand how is possible, because normally, if I try to make a purchase that large and don't have the money in my checking account, the purchase would be declined. I also have a screenshot of the available amount of money that was in my account when I made the purchase. Now the bank has locked both my checking and savings account indefinitely, will not give me access to any of my money, and will not give me a time frame as to when it will be resolved. They just keep sending me emails telling me that I overdrafted and that I owe them the money and that they will file a report with various credit bureaus if I don't pay. I called to ask them about this and they just said to ignore it, as it was an automated email. I told the bank that the vendor must have charged me twice, and that I'd like to dispute it, which they agreed to, but they still have my account locked. It's now been 3 days, and I have no acces to my new deposits or my funds that were already in my account. My credit card payments have already started to be rejected because they can not take money from my frozen Ally bank account. In the past, when I have disputed a transaction with different banks, the transaction is immediately reversed and I am credited with the amount while the investigation is conducted. But this time, Ally just locked me out of all of my accounts, and I have no access to my money while I am currently overseas.
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: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am an Ally Bank customer and I have used Ally to pay XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX using Bill Pay Function. I need to get the information and payment information for all payments made to the above two parties over the past 4 years. I have called Ally Bank and they have indicated they can not help. I therefore have contacted the CFPB. Also wires were used to make the payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Other transaction problem
Subissue:
Consumer Complaint: In XX/XX/XXXX, Ally Bank blocked my access to XXXX through their website and app. When attempting to access XXXX on Ally 's website, the message " There is a problem with the information in your profile. Please call us to resolve '' is displayed. I have made numerous attempts to resolve this issue with Ally in the last six weeks, and I have not made any progress. Unfortunately, this issue impacts me at Ally Bank and all financial institutions because Ally has the XXXX " tokens '' associated with my mobile phone number and primary email address, which means other banks can not use them. I have confirmed this directly with the XXXX company, who explained that only Ally Bank can release these tokens. The inability to use XXXX is impacting my financial life as it is the way many of my friends and colleagues reimburse each other for various activities. The reference number that Ally Bank has given me for this issue is XXXX. In six weeks, Ally has made no progress in resolving this issue. Some customer service agents at Ally told me it is a " back-end systems issue. '' I have not been told that I did anything wrong or that any identity theft or fraud is suspected. Here is a partial list of the phone calls with Ally to resolve this issue ( all times XXXX ) XX/XX/XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes XX/XX/XXXX - XXXX - XXXX minutes
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94306
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: i have never lived in XXXX, Kentucky and I have never used XXXX XXXX XXXX as my signature. Secondly, I cosigned for XXXX XXXX to help her purchase a XXXX XXXX. My wife has since been diagnosed with a terminable XXXX XXXX and we are handling matters as best we can. Our bills are astronomical from the hospital stays, XXXX and XXXX XXXX that she has required. She is XXXX XXXX XXXX XXXXXXXX XXXX XXXX. There is no end in sight for her condition, ( except XXXX ). So I have not been that involved ( or concerned ) about a purchase that my wife 's niece ( XXXX XXXX ), or how she's handled her responsibilities regarding her payment history. In fact I wasn't aware of what cosigning for her entailed, regarding my credit. If you review my credit report BEFORE cosigning for XXXX XXXX, you'll see that it was nearly perfect! I would be in favor of the bank reclaiming their property, but I don't know where she lives. She has since moved and blocked my number, so I can not contact her regarding how she's handling her affairs, and her payment obligations. Respectfully Yours, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40291
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Someone fraudulently opened an Ally Bank " Everyday Cash Back '' MasterCard using my credit information and under my name and social security number. When I received the notification that I had been approved for the Ally credit card ( that I absolutely did not apply for ) I immediately called Ally 's fraud and security department to report this fraudulent activity. I was tossed from one customer service representative to another without any real explanations why. Each representative asked for my full social security number, and when I told them I was nervous about giving it to them because obviously my SSN had already been compromised, they told me that was the only way to confirm my identity. When I finally reached someone in the security department that said they could help me, this costumer service representation told me she could " lock '' the account so it can't be accessed, but she couldn't close the account because it had been opened too recently ( the same day as my call ) and still needed to be processed. They asked me to call back the next day to fully close the fraudulent account. When I called back the next day, the lady I spoke with said they would need to do an investigation before fully closing the account. This is not what I was told the day before. Then I was told I needed to wait 7-10 business days for documents they would be sending me in the mail to fill out and then send back, in order to " get more information for the investigation ''. So I'm supposed to sit here and take their word that my account has been locked and the perpetrator can't access those funds? There is no way for me to actually know that someone hasn't already spent the whole limit of the credit card by now. They could have maxed out the card and I would have no idea. This has been a very stressful situation and I've tried getting it under control as fast as I possibly can, but Ally has not been helpful in the least bit. No one seemed to know exactly how to handle this or what to tell me. This can't be the first time someone has had their identity stolen and was used to get an Ally credit card. So why isn't there an immediate action SOP in place for situations like this? Altogether, Ally was not an easy or helpful company to deal with this incredibly stressful and harmful situation.
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: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I requested a transfer from my Ally Bank IRA Savings account to my XXXX XXXX XXXX XXXX account on XX/XX/2023. I was contacted by XXXX XXXX on XX/XX/2023 and was told that I needed to contact Ally Bank due to some problem they did not identify specifically. On XX/XX/2023 I called Ally Bank and was told there was a " coding error '' and that the check to XXXX would be sent within " two to three days ''. It is now eleven days later and the check still has not been sent. I called Ally again today ( XX/XX/2023 ) to see what I could learn. I was told " nothing has happened '' regarding the check being issued.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80538
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78613
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Dear friends, I am coming to you because I am running to a situation that I have never encountered before! Hi, My name is XXXX XXXX and I am a resident of Maryland and a XXXX citizen living in XXXX MD and my phone number is ( XXXX ) XXXX I have a CD account with Ally bank. the principal in the CD account is {$78000.00} and account number is ending in XXXX I am taking a trip overseas to visit my uncle that is XXXX XXXX in XXXX so on XX/XX/XXXX I called Ally bank and asked {$1700.00} out of {$1700.00} that was accumulated in my account as interest to be sent to me. At first the teller gave me a hard time and said you have to wait until XXXX and it seemed that he did not know what he was talking about and I do not have any arrangement for periodic disbursement of my interest so I asked for a supervisor and she said no problem a check with XXXX send to you ... .by the way at the beginning of each call it says you will be recorded so I am hoping that there are copies of these recorded conversations. I waited for a week and called back to check on status of that check and this time the teller tells me " a check for {$670.00} has been sent to you '' I said I requested {$1300.00} where is this new figure coming from? She says I do not know. I asked her to cancel that and send me a check for {$1700.00} please she put me on hold for a few minutes and says okay. I put an order in for XXXX with fees waived. you should be getting a check by Wednesday before XXXX or Friday after XXXX day. On Wednesday XX/XX/XXXX I call to check on the XXXX mail status and I found out that no XXXX mail has been sent. I asked a compliant to be open and a manager call me but no one called me. On XX/XX/XXXX I called again and the lady teller would not give me straight answer weather a check has been sent or not so I checked my account and I see that again they have altered my principal in the CD and it has gone from {$78000.00} to {$79000.00} and there is only {$9.00} interest in my account. I don't know what kind of game this bank is playing with me and my account. It appears that they are acting in a lawless and arbitrary manner and talk liberty with a client account and I am extremally concerned plus I need my interest for the trip that is coming up very quickly. The number for Ally bank is XXXX Please help me. Thank you 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: MD
Zip: 21236
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, I received a text message from Ally Bank stating that they believed that our checking account was receiving fraudulent charges and they had put a hold on our debit card/checking account. I then looked at the bank account and saw that there were many charges that I did not authorize, in fact there were around XXXX fraudulent charges made from XX/XX/XXXX and XX/XX/XXXX. Ally bank refunded all but XXXX fraudulent charges. The other fraudulent charges they claimed were fraudulent, but XXXX charges they said were not fraudulent. These XXXX charges that they refused to reimburse were made by a 3rd party merchant named " XXXX ''. Ally Bank has a policy that states they do not reimburse for 3rd party merchants. Ally Bank told me to fill out a form listing all charges including the dispute numbers, date, amount and merchant. I filled out the form and sent it in to Ally Bank for them to help with the recovery of the funds. This was on XX/XX/XXXX. They said it could take up to 90 days to get a response. On XX/XX/XXXX I received XXXX letters from Ally Bank in the USPS mail stating that " Our research indicates that the transaction was authorized and is correct. We've attempted to resolve the disputed transaction with the merchant on your behalf, but the merchant has not provided a reversal of the disputed transactions ''. This is not true, I never authorized those XXXX charges on my account. Below I will list the dispute numbers, date it took place and amount. We also have filed a police report with the XXXX, XXXX XXXX police department, and the Federal Trade Commission. Dispute number, date, and amount XXXX, XX/XX/XXXX, {$200.00} - XXXX, XX/XX/XXXX, {$24.00} - XXXX, XX/XX/XXXX, {$20.00} - XXXX, XX/XX/XXXX, {$14.00} - XXXX, XX/XX/XXXX, {$52.00} - XXXX, XX/XX/XXXX, {$75.00} - XXXX, XX/XX/XXXX, {$42.00} - XXXX, XX/XX/XXXX, {$1.00} - XXXX, XX/XX/XXXX, {$230.00} - XXXX, XX/XX/XXXX, {$10.00} - XXXX, XX/XX/XXXX, {$20.00} - XXXX, XX/XX/XXXX, {$20.00} - XXXX, XX/XX/XXXX, {$50.00} - XXXX, XX/XX/XXXX {$50.00} - XXXX, XX/XX/XXXX, {$50.00} - XXXX, XX/XX/XXXX, {$10.00} - all these charges were made by " XXXX '' totaling {$880.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This is for late payment still reporting on my credit history and my husbands even after creditor agreed to remove late payment. Ally case # XXXX XXXX XXXX XXXX- XXXX, XXXX ( XXXX ) XXXX if creditor doesn't update the credit history like they agreed I will escalate to a lawsuit. They have no evidence what so ever that my payment was late. I informed them several times that their website was down besides that they agreed to remove it so them going back on their agreement is unfair.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90064
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A