Date Received: 2023-11-17
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: On XXXX wrote a check for sons wedding reception dinner. Vendor cashed it XX/XX/XXXX and Ally decided not honor it on XX/XX/XXXX. Had I not been reviewing my account I would never had known. No phone calls, no emails, no communication whatsoever. The reason given was that I have sloppy writing and they thought the check was post dated XXXX. I guess if you stretch it was messy, but who post dates a check for XXXX? Really? I also think there an accessibility component to this. XXXX with some XXXX, sure might be a bit hard to read, but why wouldn't they call, especially on such a large amount. I could almost see if it was a {$30.00} check. All I really asked Ally to do was to offer to cover vendor expenses from their poor judgement. Nope, Every agent ( except XXXX, he was wonderful ) said I am to blame. I spoke to a Chat agent and a supervisor XXXX ( Agent # XXXX ). No help. they could expedite a check for {$15.00}. Awfully not nice of them. I would think there would be some protections around this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I opened a checking account with Ally bank on XX/XX/2023. Ally automatically sends a debit card once your account is funded. I funded my account XX/XX/XXXX and but I never received a debit card. Due to this, I was unable to pay several bills and had no way to access my funds. I requested a new debit card to be mailed and expedited to me, which I was told would take up to 7 business days. Because my bills were now overdue, I issued 2 wire transfers to my secondary bank account so I would have access to my funds during the additional waiting period for my debit card. Ally flagged my wire transfers and sent me an email telling me I needed to verify my identity and the wires. I spoke to several people, multiple times, and verified my identity, answered all security questions and patiently explained that I was sending money to myself so I can by my bills while I wait for my debit card. My account was then unlocked, I was told the wire transfers were approved and that no additional information was needed from me. Two hours later, I received another email from Ally stating that my account was restricted and that I needed to call to get my account verified again. I called and the agent gave me a # to speak to the loss prevention department, However they were now closed. So, this morning I called the loss prevention department and spoke with 2 different agents. They told me my account is under investigation, and refused to give me any further information. I explained to them that I need to speak with someone immediately as I could potentially lose my vehicle and Im behind on several bills because Ally will not give me access to my funds. I asked how long the investigation process takes and how I can speak with someone to resolve it and they again refused to give me any answers or to give me a timeline on when I can expect a response. So at this point, Ally is holding over {$20000.00} of my money that I can not access. Theyre an online bank so I cant even walk in and speak with anyone. They will not give me any answers or any updates regarding my case and wont give me the contact information for the department responsible for releasing my funds or account. Please, if the CFPB can help me resolve this before I lose my car, I need to pay my rent and my bills and I do not have much time to get this fixed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90802
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-18
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened an Ally Bank account to take advantage of the {$200.00} welcome bonus and to try the bank out. I met the direct deposit requirement, which they have confirmed multiple times. This was on XX/XX/. I was supposed to receive the bonus within 30 days. It is now close to a month later. I have called multiple times, been told its escalated, been told by their XXXX account I would be contacted, etc. I have not been. They only tell me its a busy promotion. Thats ridiculous. They have failed to live up to the agreement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85050
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Un known inquiries on my report is fraud I never applied or inquired about
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32225
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: I have reason to believe an account was opened fraudulently in my name. I am receiving letters from this bank and Ive never opened an account here. Im not sure what to do, this is not the only bank Ive had this issue with. XXXX XXXX, XXXX XXXX, XXXX XXXX, now ally bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95337
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Problems at the end of the loan or lease
Subissue: Problem when attempting to purchase vehicle at the end of the lease
Consumer Complaint: Vehicle 1- Agreement XXXX lease expires XX/XX/XXXX 1 ) Age Discrimination : grant then deny purchase, continued unreasonable inquiry, refusal to accept proof of income ( social security and survivors benefits, pension. ) refusal to allow online reapplication to purchase 2 ) Unable to contact : Unable To Get return email or calls in 3 weeks time and on hold for two hours Regarding any extension or purchase issues /inability to acknowledge deceased co-applicant after providing death certificate 3 ) usurious mileage penalties Vehicle 2 - Agreement XXXX Destroyed in accident XXXX 1 ) refusal to remove remove from my credit report 2 ) refusal to reimburse me for registration fees because they refused to hand in the license plates, and Im still registered with this vehicle with the state of New Jersey and failure to acknowledge any certified letters that were sent regarding this matter
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Ally Bank 's Failure to Release Trust Property To Whom it may concern, I am writing to bring to your attention a serious matter concerning Ally Bank, located at XXXX XXXX XXXX, XXXX, PA XXXX. They are currently in possession of UCC 3 intangible instruments that rightfully belong to my Trust. Despite repeated efforts, I have been unsuccessful in obtaining the release of my property from Ally Bank. Under the Uniform Commercial Code ( UCC ) 4-402, " a payor bank wrongfully dishonors an item if it dishonors an item that is properly payable. '' In this case, Ally Bank had a promissory note accompanying the check, ensuring that there would be no overdraft. However, Ally Bank wrongfully dishonored the item, leading to the withholding of my property. Furthermore, according to UCC 4-501, " A bank that takes a documentary draft for collection shall present or send the draft and accompanying documents for presentment, and upon learning that the draft has not been paid or accepted in due course, shall seasonably notify its customer of the fact. '' Despite this obligation, Ally Bank failed to make presentment to the Federal Reserve, where they could have made an application for their Master Account to be credited with the appropriate amount. This failure on the part of Ally Bank has caused significant financial hardship for my Trust. It is important to clarify that I did not apply for a loan, as falsely claimed by Ally Bank. Instead, I made a deposit, which falls under the definition of a deposit as outlined by the Federal Deposit Insurance Corporation ( FDIC ). Ally Bank, as a custodian of my instrument, had a fiduciary duty to safeguard and handle it appropriately upon receipt via USPS. Their discrimination and refusal to release my instruments have resulted in unjust consequences for my Trust. I would like to emphasize that the instruments in question were properly endorsed with an unqualified special endorsement, and I possess the right of enforcement according to UCC 3-309. It is clear that Ally Bank is in the wrong, and their actions have caused significant detriment to my Trust. I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to address this matter and ensure that Ally Bank fulfills their fiduciary duty by releasing my Trust property promptly. I have attached copies of relevant documents, as supporting evidence for your review. I kindly request that the CFPB investigates this complaint thoroughly and takes appropriate measures to rectify the situation. Thank you for your attention to this matter. I have faith in the Consumer Financial Protection Bureau 's dedication to consumer rights and trust that my complaint will be handled with the seriousness it deserves. Sincerely, 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: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
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 spoke to a representor on XXXX and she stated that my account with Ally Financial was reported completely accurate. ( This was on a recorded line ). I pulled my credit officially the next morning and saw that there are several inconsistencies with the date of account opening, last active date and date of Last payment. I have enclosed a copy of the most recent report and highlight the dates that are all different through all 3 major Bureaus. XXXX, XXXX, and XXXX. The account in violation is listed below : Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wish to have said ; account completely removed from all three Bureaus immediately as they are in direct violation of the FCRA ( Fair Credit Reporting ACT ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27302
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XXXX of 2022 I logged into my Ally auto account to make XXXX payments, the one that was 28 days late and the one that was due at the time. There was a message stating that Ally has a payment plan that might help. I opened the message, however not sure about it. I contacted Ally. I stated that I was about to make both payments, when I noticed the payment option. He said yes if I wanted that he could take the late payment and spread it out over the next several months and my next payments over the next several months would go up by a set amount to cover the payment that was late. I stated thats great and thank you, lets do it. After several months I noticed that I had XXXX total late payments and knew that was not correct. I looked at my payment history on Ally website as well as cross checked with my checking account to verify what I already knew. I then contacted Ally several times before I got a person that I could talk with. The Ally employee then told me that yes I made all the payments on time, however, due to accepting their payment plan the original payment was considered late each month until the total of the original payment was completed and that that amount of months was determined by the amount that Ally set as additional money to be applied to each month. The total amount of months equal to XXXX and during that time some were considered 30 days late and some were considered 60 days late. I explained first of all I was never informed that my credit would be ruined by excepting that payment plan and if I was I would have rejected it. I was on the website to pay both payments and was only deterred by the website offering payment plans that could help. I have XXXX vehicles financed through Ally and its very clear that other than a few payments during COVID everyone had been made on time and in fact they can clearly see that my only late payments were in fact during their payment plan that they offered me. The rest of the payment were all on time and in good standing with the exception of the few during Covid. I asked them if they would please remove the late payments that occurred during the payment plan only. They stated they would send in the question and mail me my results. I have not heard back and have not received a letter. I also files XXXX separate disputes with credit monitoring companies and they were both answered with the same thing. That is a ridiculous payment plan if it in fact causes all payments to be late and nobody would agree to that if fully and correctly informed. The only people that a payment plan like that helps is the company that provides loans, because they can charge higher rates based on a poor credit history. If those payments were removed as late my credit score would be well above XXXX and my rates would be much better. Its effecting my ability to receive good loan rate and gives the perception that Im unreliable as a customer. I just want the late payments changed to on time. I am in good standing with Ally on both auto loans and would just like to see some appreciation as a customer instead of of an, Im sorry theres nothing we can do. Thanks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 720XX
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: The law states 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I didn't give this company any written instructions to furnish my credit report for any reasons. This company is in violation of multiple laws like Identity Theft as I did not provide my personal information to them and In violation of 15 USC 1681b permissible purpose. I am requesting that they show proof of the written instructions given from me or remove the inquires from all three of the credit reporting agencies ( XXXX, XXXX and XXXX ) immediately as it has caused me to have a bad reputation, character, and denial of credit from lenders due to inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29483
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A