Date Received: 2023-11-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I submitted a deposit transfer on XX/XX/XXXX of {$250.00}. The transfer request says " we withdrew funds on XX/XX/XXXX and Ally did take this money from my other, non Ally savings account. Ally then closed my account, and refused my paycheck that I had set up for direct deposit. In late XXXX, XXXX a customer service rep said that this should not happen and that I would receive my paycheck. Now, on XX/XX/XXXX, I found the account was closed and I can't access my paycheck. I spoke with XXXX, and after multiple five minute gaps, she responded and basically said " we closed your account. '' No new info, and didn't seem to have read the chat with XXXX. She escalated to XXXX, who also wasn't able to help, but did assure me that I would NOT be receiving the {$200.00} account opening bonus -- but would I like her to submit a request to reopen my account ( which would take XXXX days and I wouldn't have my paycheck... ) At minimum, I think the transfer request of {$250.00} should have been blocked or not processed if the account will be closed. Thankfully I have other cash available, but for some people this could be a really big issue -- no paycheck and Ally even took additional money out of my savings. It would be different if the money was never withdrawn from my other account -- a little bit, but to close an account with a pending deposit ( and an upcoming paycheck deposit that XXXX acknowledged ) feels wrong.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55406
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: This should be posted as a criminal complaint Mailed ally a check on XX/XX/2022 in the amount of {$690.00}, and they swept it under the rug. On XX/XX/2022 our bank statements/ records show a withdrawal from ally ally payment in the amount of {$690.00} withdrawn from my account. I called ally numerous times, sent a few written letters requesting them to correct their defect and fix the mess they created, they knowingly and falsely reported me to the credit bureaus, with late charges to date, they deny that they withdraw that payment please note with the XXXX they have thousands of complaints of the same nature and lawsuits for criminal practices, THANK You FOR YOUR HELP Please note I had to take drastic action to protect myself and my family from ally again thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/2023 XXXX XXXX XXXX XXXXXXXX XXXX {$97.00} Someone use my XXXX account to make a unauthorized charge, so I closed my XXXX account and called my credit card Ally Card. And they said i did the charge and they will not provide me with any proof of it. XXXX will not dispute it because I closed the account. Ally will not dispute it because it was done through XXXX so I have no recourse, I asked to be provide written proof of the change and received nothing but being hung up on and being called a liar. I closed my Ally Card and will not pay them anything. Ally Credit Card 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: MN
Zip: 55337
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, these purported creditors have violated my rights. Under 15 USC 1681, section 602 my right to privacy is insured. Also, Under 15 USC 1681, Section 604A, subsection 2 it is also stated that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may NOT treat a payment on a credit card account under an open and consumer credit plan as late for any reason. I demand that these unauthorized recording be removed from my credit record immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39213
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: On XX/XX/2023 I responded to a pre approval email and applied. The application was paused and it said I would receive a letter in the mail in XXXX to 10 days. I have not received any paperwork, request for information, or any kind of update since and it has been beyond XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11218
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My credit report is showing late payments to XXXX XXXX XXXX. These inaccurate items are not only embarrassing ; they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. Also, I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim. It is with great concern that I insist you verify that this information is incorrect and update and repair it from my profile. Due to the damaging effects of such negative inaccurate information I must insist that this is done swiftly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: This is the 3rd complaint I have a police report a XXXX XXXX report by Ally Financial XXXX Police Report case number # XXXX. I had to XXXX XXXX XXXX Police XXXX on XXXX so he could do a report and open a case again XXXX that has allows Ally Financial to fraudulently once again reopened a closed charge off account from XX/XX/XXXX from a dispute completed on XX/XX/XXXX which ruined my XXXX XXXX XXXX from a XXXX to a XXXX I received notice that the account once again reopened on XXXX XXXX per XXXX from Ally Financial and they have updated fraudulent information again on XX/XX/XXXX and closed this Ally Financial account once again and updated with a fraudulent closed date of XXXX this account you will see with tut documents uploaded from a XXXX XXXX report on XXXX that this account had a closed charge off date of XXXX I am going to upload a voice recording dated XXXX from XXXX XXXX department XXXX that all the information they was given came from Ally Financial telling them it is verified.on what do to with opening and closing this aged account that not aged not because they fraudulently added a new closed date of XXXX. This is a FCRA violation and this is a FRAUDULENT reporting incorrectly closed dates on purpose by the creditor ALLY FINANCIAL time XXXX stated they cant do anything its ALLY FINANCIAL that is reporting all the information to us. I am SICK and TiRED and SOMETHING need to be DONE and this complex needs to be PROSECUTED for this..I have also filed a FTC Identity fraud complaint as of today XXXX against Ally Financial IDENTITY FRAUD ACCOUNT and IDENTITY FRAUD credit reporting..
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: 2023-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Ally Financial will not STOP ruing my XXXX CREDIT REPORT they keep reporting INACCURATE FRAUDULENT UPDATES to XXXX and they wont STOP I mean STOP NOW something has to be DONE NOW they started back up ruing my CREDIT every since I opened this new DISPUTE for them to DELETE this fraudulent Ally Financial account when the dispute resulted completed on XX/XX/XXXX they FRAUDULENT VERIFIED and LIED to XXXX that this account was OPEN and it Was a LIE because it was CHARGED OFF and CLOSED on XX/XX/XXXX I have the PROOF see all the INFORMATION attached and then they came back and updated on XX/XX/XXXX with XXXX and reported the account CLOSED again and Ally Financial just verified to XXXX that it was not CLOSED to REOPEN it back up on XX/XX/XXXX. THIS has to STOP please help me CFPB ALLY FINANCIAL has to be STOPPED. I have reported this to the FTC because my IDENTITY has and was FRAUDULENTLY USED this called IDENTITY REPORTING FRAUD. this is a FCRA Violation also with reopening aged CHARGED OFF accounts and CLOSING it 5 days later with the dates of closing changing from XX/XX/XXXX to the NEW FRAUDULENT CLOSED DATE XX/XX/XXXX XXXXALLY FINANCIAL is DEFINITELY going to PAY for the INACCURATE FRAUD reopening and closing of this account data and deleting the closing date and reporting a FRAUDULENT closing date 5 days later to ruined my CREDIT and making it look like I have a RECENT CHARGE OFF after they CLOSED the account again from REOPENING the account 5 days prior. THEY have to be STOPPED NOW and XXXX is the CREDIT BUREAU that is LETTING them update and report the INACCURATE VERIFICATION of FRAUDULENT INFORMATION and they wont do anything NOR will they FIX my CREDIT REPORT and DELETE this account. I have sent in so many documents of proof and made so many COMPLAINTS and NOTHING is being DONE attached again will be included my IDENTITY THEFT complaint report in reference to ALLY Financial and XXXX
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: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have fraudulent Credit Inquires that is reported on my credit report that don't belong to me. 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 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 XXXX XXXX
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: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Prior to six months ago, I was able to Unlock and Lock my Debit Card every month end so that I can Transfer funds from my Ally Bank chequing account I named Payables, to my XXXX XXXX account, so that I can pay my XXXX XXXX I have never had any interest, penalty or fees for late payments on any of my accounts and the inability to Unlock my Ally Bank Debit Card to make the transfer to pay my XXXX XXXX XXXX XXXX XXXX ), is going to make that happen for the first time and Ally Bank should reimburse me accordingly. For six months now, I have been unable to Unlock/Lock my Ally Bank Debit Card using either their Web interface or their XXXX application interface. I have spent endless, countless now wasted hours, on the phone, in text and email, with Ally Bank over the past six months reporting this to them and every time they say it will be fixed in 2 days and it never has been for 6 months now. I found a workaround to Unlock/Lock my Debit Card, using their AI Text Bot, but when I kindly called to inform them of this workaround, that they admitted many customers were having the same issue, the next month end I tried using their AI Text Bot to Unlock my decor card, it was no longer working. It is like they are purposely blocking me from using my Debit Card. Now I can not Unlock my Debit Card and they say they can not Unlock it either, so I literally have no access to my money and can not pay my bills. If XXXX XXXX puts interest/penalty/fees on my XXXX XXXX account, Ally Bank should not only reimburse me for that, they should have to pay me a penalty fee of {$100.00} for 6 months of wasted time, lack of minimal service and holding my money hostage. That {$100.00} minimum penalty should regardless of fixing the problem at this time, given I have wasted 6 months of my time trying to get them to fix this. In fact {$100.00} is nothing, it should be {$100.00} per hostage month for a penalty paid to me of {$600.00}.
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: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A