Date Received: 2023-10-13
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XXXX XX/XX/2023 at XXXX got an email from Ally bank stating -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX, we declined a recent transaction because you didnt have enough money in your Spending Account to cover it. What you need to know about the transaction we declined {$300.00} XXXX XXXX XXXXXXXX XXXX never charge you an overdraft fee, but check with the recipient for this transaction. They may charge a fee on their end. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I have {$630.00} as account balance at that time but still the transaction is declined. I called Ally bank and talked to XXXX ( interaction # XXXX ). She couldn't help. When asked to talk to the supervisor. Hold time of around XXXX minutes but no supervisor is readily available.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I opened a ally account to use XXXXwhich I now transferred the info to my XXXX XXXX to use their XXXX the person on the phone was rude as XXXXdemanded to know why this person sent me money, what it was going to use for, and now they want to add her to my account they locked me out of my acct. froze the XXXX that was sent to me-it is none of their business what I am using the money for I want it transferred to XXXX, because I dont like their attitudes
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62025
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Repossession
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX and the vehicle was financed by Ally financial. The vehicle was used and had XXXX miles on it at the time of purchase. I purchased a extended warranty on it for my protection. The vehicle has twin turbos in it and I only had the vehicle for one year when I began having several problems with it. First the left turbo failed which cause oil and coolant to soak up on my spark plugs which caused white smoke coming out of tail pipe. I sent vehicle to XXXX XXXX XXXX XXXX XXXX and they claimed to have fixed it. I paid out {$860.00}. Then not even two months later the same turbo goes out and along with the right side. Among other issues mechanicaly with the vehicle. The first service department told me that the turbos where in back order this was XXXX of XXXX. It is now XXXX of XXXX and the vehicle has been at the first service all this time. I have contacted ally financial several times to inform them of the vehicle problems and what options I have being that I have XXXX children and needed a vehicle to get back and forth to work and get children to school. They just referred me to the dealership which couldn't do anything for me because my credit was already low.. so I had to get money from my husband to purchase another vehicle which he got me as a XXXX gift from XXXX . I contacted Ally financial to inform them I couldn't pay for the vehicle and inform them where the vehicle was several times so they could go get it. They never picked it up and are now suing me stating that I'm withholding location of vehicle and suing me for the whole amount financed which is {$25000.00}. I need to file bankruptcy because I have no job and a lot of other debt totalling over XXXX dollars in unsecured debt. Ally financial has went to great extent to collect their property by sending several people to follow my family and I literally everywhere I go whether it be to graveyard to visit my grandmother, to hospital for my son and husband suffering from a XXXX XXXX, to grocery store etc. They park across the street from my house and wait for me to leave 24/7 I have taken video as well as pictures of all vehicles showing them tail me everywhere I go... it has caused me extreme stress and. XXXX because of invasion of my privacy and my families. Their drivers have even went as far as to jump in front of me on freeway and slam on break to try and cause me to crash, they have sped up past me and look at me with crazy facial expressions and even make hand gestures to me ..I don't know what else to do and fear for my safety
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92021
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Ally is threatening to close my account as part of retaliation ( due to complaint made to CFPB ). Now i wanted to cancel one of the outbound transaction. Reached out to ally during XXXX XXXX to XXXX XXXX Central time ( at this time their system was up and scheduled for maintenance at XXXXXXXX XXXX EST ). chatted with ally XXXX XXXX. She shamelessly asked me to call Ally customer service. I called Ally customer service and happen to talk to XXXX interaction ID XXXX. Both XXXX and XXXX are in the weekend mode and simply passing me from one place to another. Why can't they cancel the transaction of {$1000.00} going to my XXXX account when system is up? If they can't do it now, why can't they make a note of customer request and do it when the system is up rather than asking customer to call again? Total waste of time and efforts for me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Ally has called me repeatedly to annoy or harass me. They called multiple times a day and contacted me after I communicated with them, explaining that I had COVID and would try to pay on the next payday.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I had to have a freeze put on all 3 of my credit reports due to companies like this. Companies like Plus Finance do this because the CFPB and other agencies don't ever hold companies accountable. In XX/XX/2023 i had a letter sent to Plus Finance informing them of my Fianancial Hardship. I gave them a settlement amount i make in 3 payments yet it's no 30 days later and Plus Finance didn't bother to respond. I included the letter i had faxed. I was also a victim of Identity Theft that have caused me so much damage to my credit and UnNecessary stress that i don't need due to already having Health Issues and my XXXX XXXX. Plus Finance continue to report my account as XXXX XXXX to the 3 credit bureaus who i intend to file a complaint against for allowing companies to report anything on people 's credit. The 3 credit bureaus should be held accountable for allowing companies to report anything including false information then all 3 credit bureaus put you thru XXXX to put a credit freeze on your credit which is suppose to be free for customers and they make it hard to report Identity Them. Plus Finance also lied a year ago that the hard inquiry on all 3 of my credit reports yet i then was told i had to contact XXXX XXXX since i applied there. Plus Finance knows they have no warning of a hard inquiry when you apply thru XXXX XXXX who have been sued for their business antics. They also closed the accout without warning even though i was making payments. To not work with a customer that is experiencing a Financial Hardship yet still trying to do the right thing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48235
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: On XX/XX/XXXX I called Ally Bank to inquire about XXXX third party checks I received from my home loan company. I was unable to deposit into my account virtually and was instructed for this type of check they had to be mailed. I mailed them on that day to be delivered on XX/XX/XXXX. I didnt see the money in my account at the end of that week yet, so I called back on XX/XX/XXXX to inquire. I was told my name wasnt listed as an authorized person on my joint account with my spouse and we needed to complete an official application to have me added. We did this on XX/XX/XXXX. By the following Monday XXXX funds had still not been distributed to my account so we called back and were told that because my XXXX Adjuster was on the check, plus my home loan company they would not be able to accept the check. These checks were properly endorsed by all parties and they in fact cashed said check, it cleared my insurance company the prior week. They then provided me with two options 1 ) add my public adjuster to our account or 2 ) mail us new checks since they had cashed the others. This would then require me to have to go through the entire process of endorsement again or add my public adjuster to my account. I wasnt satisfied with either option and told them I would speak with my husband, but we might add the PA to our account. My husband called back the next day and told them to just mail the checks. They did NOT mail the checks and we found this out because I called back this week XXXX XX/XX/XXXX to inquire and they said we didnt tell them to mail them, they were waiting for us to add our PA to our account. I asked to escalate this and I received a call to discuss my complaint today XX/XX/XXXX. They would not accept responsibility for already cashing the checks. They have been holding my money on some general ledger, not in my account and we are just getting the run around. I finally got so sick of it I just told them to mail the checks, but this is not right. If they wouldnt accept those checks they should have mailed me back the originals. They took my money, never put in my account to start collecting interest and drug this out until today. I also still dont have my money to get my roof fixed from hail damage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55418
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This company NUVELL CREDIT CO still wants to show up on my credit report for account opened in XXXX & should not be reporting anymore after receiving all payment in full of {$41000.00} original amount owed in XXXX they are claiming some {$100.00} fee I owed since XXXX & claims I settled XXXX but never settled anything, company took upon there self to settle outside my knowledge & personally using this against my credit report to destroy my credibility ask that this company be investigated with how they can take action with no acknowledgement from other party which in turn has my credibility paying the price, this is an illegal act that should not go on. This account should be removed immediately from my credit report without any delay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21045
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Repossession
Subissue: Damage caused or loss of personal items in vehicle during the actual repossession
Consumer Complaint: I thought I had purchased a XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX in XXXX, MD. which Ally Financial chose to finance to me, XXXX XXXX XXXX. I never made a payment on this vehicle because it was financed at 11.1 % interest rate. Then I discovered the vehicle 's lien and MVA Tags were never transferred into my name along with an expired registration. I contacted Ally Financial on XX/XX/XXXX @ XXXX, on XX/XX/XXXX @ XXXX, on XX/XX/XXXX @ XXXX asking to speak to a manager about this vehicle not being in my name and even the MVA said they considered the vehicle & tags stolen and on top of it the temporary registration had expired on XX/XX/XXXX. I had filed a complaint against the above named dealer with the MVA here in Maryland. My MVA Investigator is XXXX XXXX who can not share his findings with the dealership with me-only the MVA. Last Thursday @ approximately XXXX XXXX a man was on my property with a flashlight my wife thought he was a thief trying to steal the XXXX. When our XXXX light came on -he took off and jumped into a pick-up parked next door. The tow truck owner came by about XXXXXXXX XXXX and this was his statement to me : You better keep your XXXX parked behind the XXXX or I'll pull it out of you driveway. I explained to him the vehicle was on private property and the car dealership had pushed the title through the MVA 114 days after the XX/XX/XXXX date which put the XXXX in my name and he would be stealing the vehicle. On Saturday around I ran an errand @ XXXXXXXX XXXX and this tow truck driver hired by Ally Financial pulled the vehicle out of my driveway with the emergency brake on and has destroyed my asphalt driveway and concrete entrance to it. I want Ally Financial to reimburse for the XXXX Vehicle for {$63000.00} and the full cost to have my entire driveway replaced [ no patch job will fix it ] and the tow truck company and accomplices be held legally for coming onto private property and stealing the vehicle and destroying my entire driveway. I e-mailed Ally Financial on Saturday about this entire situation and like all the other times I've contacted them-NO RESPONSE!! I now need the CFPB to get involved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have two vehicles with the same bank ( Ally ). I requested that the new vehicle be added to the online account I currently have with Ally to make payments online. Every time I call they tell me they will put up the request for me. I have called about 3 or 4 times and the account has not been added to my current online account. I made a payment over the phone on the XXXX of XXXX and now they are telling me they have not received the payment. I asked to speak to the manager and the representative XXXX XXXX XXXX at the lease dept was very rude and did not allow me to exercise my right to speak with the manager.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11757
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A