Date Received: 2023-11-15
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/2023 I was charged {$120.00} from XXXX for a monthly subscription on my Ally credit card. I cancelled my monthly membership with XXXX a full 10 days prior to XX/XX/XXXX. I was then charged another {$120.00} again in XX/XX/2023, XXXX months after cancelling my membership. I called around XXXX XXXX XXXX to dispute that charge and during my phone call, I was disconnected from the agent ( calls are recorded I was told so this would be reflected ) and I wasnt sure if my dispute ever went through. I was sent documents telling me to call Ally before XX/XX/2023 or my dispute would be decided without any additional input from myself so clearly it was logged by an Ally employee even though we were disconnected before finishing the original report. I called Ally on XX/XX/2023 and I was told my dispute had been closed and not in my favor. I was told I could request my case be reopened in writing within 14 days and I did just that - wrote Ally a letter explaining the dispute situation and why I felt it should be reopened. I then received a letter stating my dispute had been closed. I called today, XX/XX/2023 to inquire why my dispute was closed when it was obvious this was a fraudulent charge and I was told by a rude Ally employee that it had been over 60 days since my original dispute was opened so it was automatically denied. This isnt even the same reason given in the letter I received from Ally dated XX/XX/2023 - in that letter it states my documents do not support my dispute even though I have direct confirmation my cancellation was received from the company that charged me the {$120.00}. I have been screwed at every turn by this company - Ally first opened the dispute without getting all the information from me due to the call being dropped ; second Ally closed my dispute XXXX days prior to the stated date in their letter to me ; and third Ally automatically denied my request to have my dispute reopened due to some arbitrary statue of limitations. This is fraudulent business practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 062XX
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My vehicle lease ended, I returned the truck and all payments were finalized. After many months I received a notice that my pending balance was going to collections. Ally bank never notified me of an outstanding balance, this dropped my credit score over XXXX pts. 15 years of good credit history and XXXX credit scores ruined from lack of communication from Ally bank. The balance was paid immediately after notification of the charge off and should be rectified on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 148XX
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: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I obtained a loan from XXXX XXXX XXXX for the purchase of a car from Carmax on XXXX XXXX XXXX within the three day cancellation period, I cancelled the {$680.00} GAP Insurance. The {$680.00} has just now, on XXXX been processed by XXXX as a payment instead of a refund or cancellation, which charging me {$19.00} finance charge for money that I did not borrow. I have contacted XXXX requesting the finance charges be refunded, but they refused. Carmax and XXXX are taking advantage of customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Getting a loan or lease
Subissue: Loan opened without my consent or knowledge
Consumer Complaint: I would like these inquiries deleted because I did not authorize any of these companies to run my credit via written nor verbal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I have send the payment to my mother XXXX $ thru my XXXX account but they have send it to wrong account has closed in 2019 when I contact the my mom bank they find it in closed account then they have been send it back in XX/XX/XXXX back to ally no Im still on ally bank to give me the money since XXXX The transaction was made in XX/XX/710 $
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 481XX
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Online money transfer request made with Ally Bank to remove {$48000.00} from XXXX XXXXXXXX XXXX XXXX account into my new Ally Bank Savings account. The withdrawal took place on XX/XX/2023 and per the email received by Ally, the transfer was complete on XX/XX/2023 Another email was sent by Ally the same day advising that the transfer did not complete and we were to reach out to the " other financial institution '' to request the funds be returned and this action would re-deposit the funds back into the original account. After contacting XXXX XXXX XXXXXXXX to request the funds be returned, they advised that they could not complete this process and then advised me to have Ally " reject '' the funds so the funds could be returned back to them. Reached back out to Ally and I was told by them that XXXX XXXX XXXXXXXX needs to " dispute '' the transfer. Called XXXX XXXX XXXXXXXX again to let them know that Ally is saying that they need to " dispute '' the transfer, XXXX XXXX XXXXXXXX said once again that this will not return the funds back to them and that Ally needs to reject the funds It seems neither of these banks are willing to help and I'm supposed to be okay with {$48000.00} just hanging out there in limbo and not being returned to me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: XX/XX/2023 Dear Sir or Madam : I have two ( 2 ) bank accounts and one ( 1 ) investment account at the company known as Ally Bank, NA and Ally Investments , Inc. located in, among other geographic locations, XXXX, North Carolina. Moments ago, in trying to log into my account at Ally Bank and whose website is https : //www.ally.com, Ally Bank is now preventing me from being able to log into my account to make investments, to view and/or to administer my investments and to view and/or to administer my checking and savings accounts. In sum, the Subject, Ally Bank, is criminally obstructing me from accessing my accounts and my investments at Ally Bank due to Subject Ally Bank and/or Subject Ally Investments , Inc. , placing an intervening web page between me and my account summary page the absence of which would have enabled me to view my account ( s ) online, to administer my accounts online, and/or to make investments, but for the intentional, purposeful, arbitrary, and poorly placed impediment and/or obstruction created by the Subject, Ally Bank, and/or the related Subject , Ally Investments. The disruptive, obstructing, unlawfully intervening and problematic web page introduced by the Subject ( s ) has and is giving me absolutely no lawful option but to force me to comply with Subjects ' forcible demand that I acquiesce to Subject bank 's amended contract terms '' without Subject ( s ) provided any means to delay and/or negotiate their, the Subject ( s ) ', amended terms. As a direct result of the arbitrary, capricious, malevolent, and criminal obstruction of my formerly online access to my bank accounts and my investment accounts by the Subject ( s ), Ally Bank and/or Ally Investments, the Subject ( s ) are intentionally, willfully, maliciously, and malevolently preventing me from both trading using my investment account and administering my savings and checking accounts. As a result, this/these Subject ( s ) are engaging in a pattern and practice of embezzlement. The Subject Ally Bank had been contacted and is refusing to enable me to access any of my three ( 3 ) accounts. Subject Ally Bank is, has, and continues to criminally impede and obstruct my former access to my three ( 3 ) accounts such that I have neither been able to trade nor to administer any of my three accounts since XX/XX/2023.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XXXX XXXXXXXX XXXX, I visited XXXX XXXX in XXXX XXXX, XXXX XXXX, and attempted to put together and finance an auto deal. I authorized the dealer to run my credit ( inquiry ) XXXX time ; they ran my credit XXXX ( XXXX ) times. The additional XXXX were not authorized. I contacted the dealership to voice my frustration and concern that they did indeed mislead me, and I was told that there was nothing they could do. In an effort to protect my credit worthiness, I found it necessary to report this abuse, and coinciding unauthorized report inquiries. This company is XXXX of the many where XXXX XXXX sent an unauthorized inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28570
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: The company called my phone XX/XX/2023 before the required time by law to call customers. The company called me at XXXX XXXX. The company called me again the same day around XXXX. Ive spoken to management about the situation and they wanted me to submit proof because they did not have any records of an agent that called. I submitted the proof online and called the company XX/XX/2023 around XXXX am and asked to speak with a manager about the situation. Management will not take my calls so I am now filing a complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75287
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Ally Financial is showing a balance of XXXX. This was paid off years ago and the co signer of the auto lease is deceased. I would like this removed off my record. This was taken care of years ago.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 775XX
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A