Date Received: 2023-11-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX and XX/XX/XXXX my debit card was fraudulently charged. There were XXXX transactions totaling {$630.00}. XXXX transactions for {$39.00} and XXXX transactions for {$110.00}. I disputed all XXXX transactions on XX/XX/XXXX. On XX/XX/XXXX I was notified that XXXX of the XXXX transactions had been ruled in my favor, but XXXX transaction was deemed legitimate. On XX/XX/XXXX Ally withdrew {$110.00} from my account as a reversal of the previous Provisional Credit. On XX/XX/XXXX I called to discuss this with Ally and was told there was no appeal process, but that I could request documentation that Ally used to make their decision. I made this request and was given reference # XXXX. I waited the XXXX business days stated but never received the requested documentation I called back on XX/XX/XXXX and it took XXXX minutes to finally reach a point where I just had to submit another request that was identical to the XXXX. This was given reference # XXXX. I asked to speak with a supervisor who then spoke with " back office '' and was told that the original request was fulfilled and the information had been emailed, after it was clearly stated the information could only be sent via the postal service. Regardless, I never received an email with the documentation. This process has been cumbersome and Ally appears to have made misleading and false statements while not producing the required documentation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 973XX
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: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX RE : VIN # : XXXX REQUEST FOR INFORMATION This letter is simply a request for information in regards to the XXXX XXXX XXXX. I bought this vehicle on or around XXXX from your dealership. I was hoping that you would be able to provide a copy of the following information for my records : -Copy of the Retail Installment Contract -Copy of the Arbitration Agreement -Copy of any other documents I signed that day -Down Payment Receipt My contact information is as follows : XXXX XXXX XXXX XXXX XXXX Thank you for your assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Repossession
Subissue: Notice to repossess
Consumer Complaint: I have been reaching out to Ally Financial for financial hardship while my account was current since XX/XX/XXXX. I had explained my financial situation and been declined any support. I would make phone calls a few times a month and email because I was not getting help. My account had became past due XXXX months, but i was still making partial payments monthly, I was told to keep making my partial payments and to call back and see what support I can get qualified for. Each call I made I was told There was nothing available. But I was advised to keep making as much payment as I can, which I continued to do, I made partial payment all the way through beginning of XX/XX/XXXX, and as I was trying to log in and make another partial payment today XX/XX/XXXX, I was declined to do so I called Ally Financial spoke with 2 different representatives XXXX XXXXXXXX who informed me that I will need to make a payment by XX/XX/XXXX, as my account is in jeopardy of being processed as a repo. I asked for an extension to XX/XX/XXXX, which I was denied, I said what other options do I have, she said the car will just be XXXX, I hung up and then called back and spoke with XXXX XXXX, no extension can be given, I was informed that payment need to be received by XX/XX/XXXX by XXXX XXXX standard time and to call Ally back with a confirmation number once payment is processed through with a money gram. If its after XX/XX/XXXX, my account will be transferred over to a repo list and basically my account is auctioned off to repo companies. I said okay, Ill get it paid by XX/XX/XXXX, but by the end of the night on XX/XX/XXXX, a repo man came and took my vehicle. I explained that I just spoken with the bank this afternoon and I was told that if I did not pay my past due by XX/XX/XXXX then my car will be placed in repo but my car is not on the list to be repossessed. He said ally released my account to repo companies. He also said Ally Financial Bank is known to do this With their consumers, they tell the customer something else but release account to repo companies, and that hes repo a lot of cars from Ally Financial Bank. How is it that I continue to reach out every single month, Sometimes 3/4 times a month and Ally stated on their recorded line that I had until the end of XX/XX/XXXX to make a payment of {$940.00} before my account gets auctioned off to repo companies and then the same night my car is repo? XXXX also stated that by XX/XX/XXXX, there maybe a possibility of my account being released to repo companies. But my account was auctioned off XX/XX/XXXX to repo.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94589
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened up a new checking account at Ally bank using the promo code " XXXX XXXXXXXX '' where I was supposed to get a XXXX $ payment for opening an account and posting a XXXX $ direct deposit. I met the requirements with a direct deposit payment from my business checking account at XXXX XXXX. I've called the bank directly at least 10 times inquiring about the payment and the teller says everything looks good and to wait on a call back which I never received. I opened the account back in XXXX and the direct deposit of XXXX $ from XXXX XXXX posted on XX/XX/XXXX. Even if Ally wants to say that business checking payment doesn't count as direct deposits they could have communicated that to me during the offer window in which I could have found another way to satisfy the requirements but I have received zero communication about my situation other than my own call ins to these customer service reps that don't know anything about the situation or have any authority to make any decision.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 229XX
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My credit has been run multiple time by unauthorized companies that I don't have no relationship with. 5 times on the same date which XX/XX/2023 ( Ally financial, XXXX XXXX XXXX XXXX )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07304
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: XX/XX/XXXX Spending Account Ally Checking account open. with Ally Bank {$200.00} Checking Bonus ( XXXX ) XX/XX/XXXX Direct Deposit Future Amount : XXXX ~ Tran : XXXX {$1500.00} Latest date to receive the bonus payout past ( XX/XX/XXXX Was the last day to receive the bonus ) Tried to call/ chat with the bank associate for this matter. https : //www.ally.comXXXXXXXX This is the term and conditions Ally Bank is offering a {$200.00} checking bonus ( they call the account a Spending Account ) when you open a new checking account and get at least {$1500.00} in total direct deposits within 90 days. Heres how to go about doing this bonus : Open your first Spending Account by XX/XX/XXXX. Use code XXXX. Make sure to fund your account within 30 days of opening it. Set up one or more direct deposits. Make sure they total at least {$1500.00} within 90 days. Youll get the {$200.00} bonus within 30 days of your account receiving {$1500.00} in qualified direct deposits.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11101
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: 2023-11-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: The following companies listed below have been pulling my credit without my approval or authorization leaving me with unwanted inquiries on my XXXX and XXXX XXXX XXXX XXXX ALLY FINANCIAL 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: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, tn XXXX XXXX XXXX Legal Notice Please take notice to whom it may concern On the the date of XX/XX/2023 XXXX of Ally Bank opened a financially sealed file that did not contain her legal information then proceeded to view the document and made a decision of denial as a determination to the credited account, co-signed by XXXX XXXX creditworthiness, due to my knowledge XXXX was looking for a performance certificate, in which the the company is credited when the application was accepted as in good faith the company has failed a moral duty in financial banking there was not a remedy provided nor an procedure for the denial. Furthermore the laws govern by the secured party creditor on connected banking, understanding of being credited. 15 USC subsection 1231 ( g ) 12 USC ( a ) I have a right to credit as the Secured party creditor, withholding credit from the Principal ( s ) and/or the asset ( s ) to my securities is security fraud. You are violating The Equal Credit Protection Act, The Fair Credit Reporting Act, The Gramm-Leach-Bliley Act and the Social Security Administration Act and XXXX XXXX XXXX since I have been denied, please retract my application and take notice of the 2nd part of this notice in which the account has provided an SSN on the record and for the record. Adverse Action *U.C.C 9-507 *FRCA 15 U.S.C 1681 ( A ) section 2 *Truth in lending USC 1605 *15 U.S.C 6802 ( a ) Notice Requirement in subsection 2 *31 U.S.C subsection XXXX *Title 15 U.S.C subsection 1605 - Determination of finance charge *15 U.S.C subsection 3123 - Payment of obligations and interest on the public debt *15 U.S. Code 1666b - Timing of payments *31 U.S. Code 5312 - Definitions and application *15 U.S.C 1692j - Furnishing certain deceptive forms At this time XXXX XXXX is requesting a refund of XXXX XXXX securities to be released past, present and future to said above account. FRCA 15 U.S.C 1681 ( A ) section 2 : States Transactions, experiences, and marks are to be excluded from the report. Furthermore, XXXX U.S.C XXXX - UNITED STATES payment of obligations and interest on the public debt and HJR XXXX. XXXX XXXX XXXX XXXX - Scope of prohibition a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction XXXX has committed an adverse action and document fraud. For remedy we are asking for the vehicle ( XXXX ) to be funded in full and the inquiry removed off the credit report. XXXX XXXX XXXX - CONTROL OF LETTER-OF-CREDIT RIGHT Please give notice to this Legal Notice in completion of request XXXX days any questions or concerns contact XXXX XXXX at ( XXXX ) XXXX or Email XXXX XXXX Best regards, : XXXX XXXX secured party creditor Attorney in fact for XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38024
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-26
Issue: Getting a loan or lease
Subissue: Loan opened without my consent or knowledge
Consumer Complaint: A car was purchased in my name and the loan company was ally financial. I have made several called to ally financial and reported the fraud and they are now ruining my credit and life refusing to take the account out of my name for an XXXX dollar car. Ally finical told me to let the car be repossessed or trade it in and I will be responsible for the remainder.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 439XX
Submitted Via: Web
Date Sent: 2023-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: A payment was made on the account on XX/XX/XXXX and XX/XX/XXXX by mistake from the credit union we use. We called on XX/XX/XXXX to request a refund and were told that we had to wait 15 days for the refund. At that point, we didnt move forward for the refund because the next payment would be due on XX/XX/XXXX. The XXXX statement was mailed to us and it said we owed nothing for the month of XXXX because of the double payment. Then we started getting calls and texts non-stop saying we had missed our payment and were behind. However the website still said we owed nothing. I called several times and spoke to several reps over the course of 43 days to try and either get the money refunded or get the extra payment added to our account. They refused to do either for over a month. All the while calling and harassing me for a payment they already had. Finally we decided to sell the car to another dealership and end the Ally financing. The XXXX XXXX called Ally to get the pay-off on XX/XX/XXXX and sent payment to them shortly after. Ally has continued to call and harass me for the payment and has now turned in a delinquent notice to the credit bureau. They have been unethical in keeping money that didn't belong to them, billing us for payments they already had in their possession for well over 40 days and by not using the funds from the dealership to pay off the loan and keep our credit in good standing. They have repeatedly called and texts even after the situation had been explained and payments had been made. They unethical business/loan practice has now caused my credit score to drop dramatically while once again they hold on to money that was paid, but unreported.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78253
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A