Date Received: 2023-09-20
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I was a victim of fraud while being interviewed for a job where I was given a check that had insufficient funds or something of the sort. The bank proceeded to freeze my accounts on that same day ( XX/XX/XXXX ) and called me the following day ( XX/XX/XXXX ) informing me that my accounts had been closed and that I was no longer welcome to do business with them. When I asked regarding the money I had in my account, they said a check would be sent to me and this was confirmed in 3 different calls where they read back and confirmed the correct address. However, today ( XX/XX/XXXX ) I called regarding an email I had received yesterday ( XX/XX/XXXX ) saying there was a change of address on my account. This was impossible since they were closed. Upon calling I was told that the check ( s ) had been sent on XX/XX/XXXX, but to the wrong address. Despite the mail being refused and returned to sender, the bank claims that I have to issue a subpoena to get any information such as the recording of the calls and that I would have sign and notarize an affidavit that I had not received the checks, even though they received it back and they have not been cashed. The amount totals around ~ {$460.00}...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32724
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: They owe me money for a duplicate payment of {$130.00} that I made after they mistakenly or falsely claimed that I missed a pavement. XXXX denied that I made the payment. After making another payment, they found the first payment and credited it to my account. However, I had already closed the account and XXXX sold their business to Ally Bank. Apparently, I've fallen between the cracks. My final statement lists a credit for {$130.00}, but the card is no longer valid because the account is closed. I'm unable to contact anyone, apparently because I closed the account and then it was sold. Account Number ; XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 132XX
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I got an Ollo Credit Card, now moving to Ally Bank, about ayear and a half ago. They advertise a Variable Interest Rate on their website of 23.99-28.99 %. I have been consistently charged 33.24 % since the initiation of the card, resulting in larger monthly payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55106
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: As per my previous complaint states, Ally is inaccurately reporting my loan that was paid in full. They marked it as disputed and its being reported disputed and included in XXXX XXXX XXXX. Ally themselves states my account was paid in full. They stated during the process of my bankruptcy I continued making payments. I also signed a waiver from Ally. This account was paid and not included in a bankruptcy. My bankruptcy was XXXX XX/XX/2021, and I continued to pay the loan until XX/XX/2021 when the loan was paid in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19007
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Repossession
Subissue: Notice to repossess
Consumer Complaint: I received a call from the finance compy and made the promise payment. The compy accepted my payment and two weeks later tried to take out money from my account and did not have authorization to take auto payments. From the compy being blocked from my financial institution to regarding an auto payment, the finance company expressed they put a call in for a repo ( XX/XX/XXXX ) & my vechile was not up for repossession. I have an screen shot of the comy staying on the XXXX ( day of repossession ) my vechile may be up for repossession, but I did not receive any mailings or calls regarding this action. The finance compy ( Ally financial ) expressed they updated their system on the XXXX and did not inform me of any changes. I am at a lost as I can not go into my job due to having my identity or gargare information. I have many of my work materials and other personal items in the truck as well as my two special needs children devices in the vechile. Please assist. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX last four of VIN # 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: OH
Zip: 44128
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Unauthorized inquiry on my credit report I did not authorize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48185
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: First of all we all know when a business uses the term Mr. it is just a big front. Also, I know we can all agree, all across the nation, how I am an irresponsible, scatter brain, no it all, but I have said it before and I will say it again I did not receive the first two pages of the You call that a car loan credit application Another thing why do the copies that were just sent by this bank, not have Dealer Track XXXX, Dealer Track XXXX and Dealer Track XXXX on them, like the ones I receive from The Office of Attorney General of California? I am willing to swear under oath to find the truths in all of my XXXX of letters sent across the nation about what happened at XXXX XXXX XXXX XXXX on XX/XX/2023. Are the parties involved at the dealership willing to do the same. Probably not? Because they are all XXXX, I have enclosed XXXX documents that shows who the liar is who had inappropriate things on their mind. Dear Consumer Financial Protection Bureau I XXXX XXXX XXXX assert my XXXX amendment privileges which are freedom of speech and expression of what one believes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92346
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a new Ally Invest account, with a {$100.00} bonus offered if I met the requirements. Those were to set up a recurring deposit of {$100.00} for three months. I ended up doing the deposit for four+ months. I contacted them about the bonus and was told I met the requirements. I was then denied it later without a reason why. I asked why I wasn't getting the promotional credit, and they ignored me. Below is the exact correspondence __________________ -- -- -- -- -- -- -- - Previous Message -- -- -- -- -- -- -- - From : [ XXXX ] To : XXXX Date : XX/XX/2023 XXXXXXXX XXXX Hi, When will my {$100.00} new account bonus be deposited? Thanks, XXXX XXXX Sent from my XXXX
Hi, When will my {$100.00} new account bonus be deposited?
Thanks, XXXX XXXX Sent from my XXXX -- -- - On Fri, XX/XX/2023 at XXXX XXXX Ally Invest XXXX wrote : Dear XXXX, Thank you for contacting Ally Invest.
We appreciate your message and our apologies for any inconvenience that may have been created by the delay in the promotional payout. I was able to review the account and it appears that you have met all the criteria for payout of the bonus. I have asked our marketing team to review your account and if everything has been met, to process the bonus payment as soon as possible. We ask for your patience during this period as our marketing team does not process the reviews on a one-by-one basis but in batches. I have seen where the reviews can take multiple weeks before the payment is processed. If you need to reference my request to have the account paid the promotional bonus, please use case [ XXXX ] in any future messages. Please let us know if you have any questions in the interim. I hope that you have a great rest of your day.
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Please feel free to contact us at any time with any questions or comments you might have regarding your account or our website. We can be reached via this email address, through the Live Chat links on our website, or by phone at XXXX. We are here for you 24/7.
Sincerely, XXXX XXXX Services Ally Invest XXXX XXXX XXXX, XXXX, NC XXXX ( XXXX ) XXXX The content of all messages is subject to access, review, archival and disclosure by Ally Invest system and compliance administrators. System response and account access times may vary due to a variety of factors, including trading volumes, market conditions, system performance, and other issues. Ally Invest Securities LLC and its associates do not accept instructions to affect securities transactions or funds transfers via email. Securities products and services offered through Ally Invest Securities LLC, member FINRA / XXXX. For background on Ally Invest Securities go to FINRAs BrokerCheck. Advisory services offered through Ally Invest Advisors Inc., a registered investment adviser. View disclosures. Ally Invest Advisors and Ally Invest Securities are wholly owned subsidiaries of Ally Financial Inc. Securities products are NOT FDIC INSURED, NOT BANK GUARANTEED, and MAY LOSE VALUE. If you have questions about this information, please contact us at XXXX.
Ally Invest Group Inc. | XXXX XXXX XXXX, XXXX, NC XXXX Ally Financial Inc. 2023. All rights reserved.
Ally Email Identifier : ref : XXXX : ref __________________ XXXX [ XXXX ] RE : New account bonus - Case Number : [ XXXX ] Ally Invest XXXX Sat, XX/XX/2023 at XXXX XXXX To : [ XXXX ] Dear XXXX XXXX Thank you for contacting Ally Invest.
I am sorry for the time this is taking. I can verify that the case has been forwarded to the correct department, however it is still under review. Once it is processed, you should receive an email with the results of the case. If the bonus is paid to the account, you will see it reflected on your Activity page within your account.
Please feel free to contact us at any time with any questions or comments you might have regarding your account or our website. We can be reached via this email address, through the Live Chat links on our website, or by phone at XXXX. We are here for you 24/7.
Sincerely, XXXX Client Services Ally XXXX XXXX XXXX XXXX, XXXX, NC XXXX ( XXXX ) XXXX The content of all messages is subject to access, review, archival and disclosure by Ally Invest system and compliance administrators. System response and account access times may vary due to a variety of factors, including trading volumes, market conditions, system performance, and other issues. Ally Invest Securities LLC and its associates do not accept instructions to affect securities transactions or funds transfers via email. Securities products and services offered through Ally Invest Securities LLC, member FINRA / XXXX. For background on Ally Invest Securities go to FINRAs BrokerCheck. Advisory services offered through Ally Invest Advisors Inc., a registered investment adviser. View disclosures. Ally Invest Advisors and Ally Invest Securities are wholly owned subsidiaries of Ally Financial Inc. Securities products are NOT FDIC INSURED, NOT BANK GUARANTEED, and MAY LOSE VALUE. If you have questions about this information, please contact us at XXXX.
Ally Invest Group Inc. | XXXX XXXX XXXX, XXXX, NC XXXX Ally Financial Inc. 2023. All rights reserved.
Ally Email Identifier : ref : XXXX : ref -- -- -- -- -- -- -- - -- -- -- -- -- -- -- - Previous Message -- -- -- -- -- -- -- - From : [ XXXX ] To : XXXX Date : XX/XX/2023 XXXX XXXX Hi, I still have not received my account bonus. Thanks, XXXX [ REDACTED ] On Fri, XX/XX/2023 at XXXX :? XXXX XXXX Ally Invest Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response State: NY Zip: 10037 Submitted Via: Web Date Sent: 2023-09-16 Company Response to Consumer: Closed with explanation Timely Response: Yes Consumer Disputed: N/A
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Date Received: 2023-09-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Ally bank has reported alleged late payments by the consumer, original creditor of an extended credit transaction and it has affected my character in a negative way and as the consumer original creditor on the consumer transaction this is a violation of the fair credit fdcpa and I want the negative information removed from any and all credit reporting agencies
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33626
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have multiple inquiries on my credit report that Ive never inquired. Ive been misrepresented by a dealership. The dealership pulled my credit numerous amount of times on different dates. I am dealing through identy theft and this issue made things worst. I am in process of XXXX XXXX by given in proper information regarding my income on applications, pulling my credit on multiple occasions on different dates and finically hardship on loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14211
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A