Date Received: 2021-07-30
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Ally bank has frozen my accounts after I received a loan from the SBA. Now I can not access my funds and the fraud department will not work with me. Ive been hung up on and received very little information about what is going on. I submitted documents that were requested for me being a sole proprietor, but the investigator has not returned my emails or phone calls.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31324
Submitted Via: Web
Date Sent: 2021-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-30
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: Your reappearance of the complaint number XXXX is not supported under any federal or state law. but rather it is a violation of consumer rights 15USC1692a ( 3 ) 15USC1602 ( i ) ( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. So you say that you deny having violated any state and federal law. But according to title 15 USC 1692 you can not make a decision like refusing to extend my credit based on information from a third party as in this case. 1. They mention credit history again, credit history is not a factor in denying a credit extender, according to the Truth In Lending Act. They put it well, part of their credit assessment. Your evaluation violates the federal equal opportunity law, since your decision is based on a supposed Score that is only a simulation and is not even a federal law and much less is contained in the Truth In lending act. Not in the CFR, Fair Credit Reporting Act. It is the last time that I refer them again to approve the application and extend my credit. Of you not doing it, based on the excuses you used in your answer, I am going to proceed with a lawsuit since you have just violated title 15 of the United States, seeking information from a third party that is a corporation that in turn can and does manipulate the numbers at your convenience to profit from the consumer. I am not supposed to have a credit score to get a credit extension. They are not supposed to a supposed credit history to extend my credit. They are not supposed to check with a third party other than the consumer himself when they want to receive information from the same consumer. Those are violations that you overlooked when writing a statement like this. And I have my UCC-11 from the state of Massachusetts ready to send as proof that I have no debt. And to mention that because of my income they refused to extend my credit is another violation, since you are not the ones who will pay for the property with your own funds. And I understand that you have no control over the agencies, just as the agencies have no control over the consumers. And you do what they say, they are a third party, you should have sought information directly from the consumer and not from a third party as you did. Violate the 15USC title
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01841
Submitted Via: Web
Date Sent: 2021-07-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-29
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: Back before memorial weekend of 2021, I had a lease and purchased my vehicle through academy keep in XXXX. I then traded that vehicle for a different car. The lease/ loan company Ally financial messed up the paperwork on the whole deal. I have contacted both the financial company and the dealership from that time till now on and off. Some progress was made and the lease was closed out but since the payoff is was applied to that account it was refunded back to the dealership. Now I have talked to the dealership and they tell me that the financial company is behind but they have not received the pay off money back from the dealership after the refund so they cant process anything. So now at this point I am just waiting for the dealership to send the payoff back for my loan. I keep getting calls from the financial company saying I owe for the loan and getting late charges as well. This is frustrating especially when I dont even own the van anymore and the dealership doesnt either cuz they have already sold the van that I traded in and the loan is for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46902
Submitted Via: Web
Date Sent: 2021-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: so my account Ally Financial was wrongfully sold to another debt collector without my consent. now that someone has my personal information they are reporting XXXX that i dont owe.
Company Response:
State: CA
Zip: 90706
Submitted Via: Web
Date Sent: 2021-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-29
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: On XX/XX/XXXX I went to an ATM ( XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX Terminal XXXX ). I attempted to withdraw {$100.00}. The machine made a funny, sputtering noise and the cash dispensed slowly. I was able to grab {$20.00}. It was not dispersed at the same time as the rest of the money, which I saw fall down into the machine. I was able to reach my hand in up to my thumb crease, trying to grab the rest of the money, but it had fallen down too far. In subsequent uses of different ATMs, I have noticed that there is no such gap between the dispersal mechanism and the inside of the machine, thus there is no way for money to fall into the machine or to reach inside the machine. This suggests the ATM I had an issue with was set up in a faulty or fraudulent manner. I immediately contacted XXXX XXXX and left several messages. I also contacted my bank ( Allly Bank ) from which the money was withdrawn and let them know what happened. They started a dispute for me. The following day, XXXX XXXX texted me and told me that there was no problem with the machine and that I should contact my bank. They refused to answer any follow-up messages from me. They did not bother to ask me what had happened and had no way of knowing that I was complaining about a mechanical malfunction with the machine. I talked to Ally several times about the dispute. Each time it was clear that they had not noted that I was complaining about a mechanical issue. They finally closed the dispute, citing against me on XXXX. XXXX, XXXX. After discovering this, I called Ally and let them know that I would be leaving the bank, after being a customer for over a decade, if this manner was not resolved in my favor. The Executive Customer Service person I spoke to on XX/XX/XXXX, XXXX, was exceedingly rude and suggested I had been lying about the matter. It was also obvious that he was not familiar with the details of the case, as he was initially unaware I was complaining about a mechanical issue and not one that would be detected by normal ATM accounting. He also cited the amount I made a claim for incorrectly - he stated I was claiming {$100.00} when I was only claiming {$80.00}, since I had managed to retrieve {$20.00} from the ATM. At the end of the conversation, I asked him for the documentation they used to deny my claim. He said he would send it. I discovered later, in a follow-up call to Ally on XX/XX/XXXX that he did not actually send it. In the follow-up call I spoke to a customer service manager named XXXX. She said she noticed that the documentation had not been sent out and promised to have it to me within 10 business days. I did not receive the documentation until last week and according to the postmark, was not sent out until XX/XX/XXXX. The documentation itself does not indicate anywhere that someone actually looked at the machine to see if there was money inside or if there was a mechanical failure. I am submitting this complaint against both the ATM management company and Ally Bank for failing to properly investigate my claim. I also believe the ATM management company, XXXX XXXX ATMs should have all of their ATMs reviewed very closely for similar issues. It should not be possible to drop money inside an ATM and the fact that they were unwilling to talk to me about what happened is incredibly suspicious. Ally Bank is also at fault here, as they did not properly investigate my claim and also did not respond to my requests in a timely manner. The evidence they provided as a reason for denying my dispute did not actually prove that I was incorrect - I never stated that the money wasn't disbursed, just that it was done so in a manner where I was unable to actually grab hold of it. Instead of asking for proof of machine servicing, they just accepted whatever documentation XXXX ATMs gave them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 921XX
Submitted Via: Web
Date Sent: 2021-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-29
Issue: Other transaction problem
Subissue:
Consumer Complaint: I was trying to send money to a person via XXXX through Ally bank. Ally bank immediately blocked my XXXX account without providing a reason, and Ally customer service gave me a runaround with specialist until I gave up. I used my XXXX account with XXXX to transfer to the same person and it went through without any problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48170
Submitted Via: Web
Date Sent: 2021-07-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-29
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On Monday, XX/XX/XXXX Ally Auto Finance received my payoff for my XXXX XXXX XXXX & as of todays date there is still an outstanding & open loan. The last 2 days I've called Ally Auto and spoken to their offshore representatives that displayed no interest in my concern & denied my request to speak to a Supervisor. On XX/XX/XXXX I spoke to XXXX from the Consumer Solutions & she was unable to confirm that the payment processing center is processing my payment. Furthermore, I was advised it could take 7-10 business days to process which is UNACCEPTABLE for it to take that long. I'm trying to purchase a home & I need to provide proof that this vehicle loan to Ally was paid off. Everyday that my account remains open I get a daily interest charge of {$8.00}. XXXX tracking # XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 595XX
Submitted Via: Web
Date Sent: 2021-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Ally financial has a charged off a car loan that doesn't belong to me. I have reached out to them multiple times as well as the 3 major credit bureaus. I haver asked to see the persons ID and the signed contract this has gone unanswered. from 3 credit bureaus and ALLY. the amount they claim I owe is ALLY FINANCIAL {$7500.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92801
Submitted Via: Web
Date Sent: 2021-07-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is ALLY FINANCIAL. The inquiry date is XX/XX/2018. The bureau reporting is XXXX and XXXX. Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39211
Submitted Via: Web
Date Sent: 2021-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This company has violated my rights as outlined within Section 604 of the Fair Credit Reporting Act. I never authorized this company to pull my information. Please remove this inquiry from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19144
Submitted Via: Web
Date Sent: 2021-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A