Date Received: 2023-08-30
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I opened a checking account with Ally bank on XXXX. I depositing money by signing into my existing bank through their portal and transferred money. Then the next day the account said it was locked due to fraud. I have called several times and been hung up on, and called a person commuting fraud by lying about my identity. Despite answering all questions to verify my identity. They told me I could expect a call back from a manager in 24-48 business hours. They have taken my money and are holding it without any explanation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77007
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I applied for a loan several months ago which was denied. Since then loan solicitors harass me 20 times per day. I usually hang up. I believe one of them used my info for fraudulent inquiries which I did Not authorize. This is the second time this has happened. The 3 most recent occurred on XX/XX/23 from XXXX XXXX, Ally Financial, and XXXX XXXX on XX/XX/23 there were 2 occurrences from XXXX XXXX, and XXXX XXXX I believe all 5 of these inquires are due to solicitors who are upset that I refuse their calls or hang up on them. I am requesting all 5 be removed from my all of my reports and I would also like to file a fraud case pending an investigation
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30041
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I paid Ally Financial the month of XXXX in advance for my XXXX XXXX auto loan. I made the early payment of {$340.00} on XX/XX/XXXX. On XX/XX/XXXX I asked Ally Financial to refund me the early payment since I was trading in the vehicle at the end of XXXX, before XXXX, and I wouldn't have the car in XXXX. Ally Financial said they would process the refund and it would take 7-10 business days. They also gave me a reference number ( XXXX ) for the refund. I traded in the XXXX XXXX vehicle to XXXX on XX/XX/XXXX. XXXX then paid off the Ally Financial XXXX XXXX auto loan on XX/XX/XXXX. I never received the {$340.00} from Ally Financial. Instead, I received a check for {$27.00} on XX/XX/XXXX from Ally Financial. I reached out to Ally Financial on XX/XX/XXXXXXXX and asked where my refund of {$340.00} was. They told me that I should dispute the charge with my bank to get my refund since the payoff was already made. They also stated that the {$27.00} check was an extra payment from XXXX. I then disputed the charge with my bank ( XXXX XXXX ) and provided the necessary documentation and received a reimbursement from XXXX XXXX of {$340.00} on XX/XX/XXXX. Once I was reimbursed the {$340.00} from XXXX XXXX, I received a call from Ally Financial stating I still owed them this new amount of {$340.00}. They also told me I would be getting a {$770.00} check in the mail and they failed to explain why. I then received numerous calls, emails, and texts from XXXX 's employee XXXX XXXX to pay Ally Financial the {$340.00}. Once I received the {$770.00} check in the mail from Ally Financial, I deposited the check on XX/XX/XXXX and paid Ally the {$340.00} on XX/XX/XXXX. Ally Financial then had the full {$770.00} check refunded back to them from my bank on XX/XX/XXXX. So I still paid them the {$340.00} early payment and I still haven't received the refund for it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: All debts have been discharged with 1099c form, company has committed fraud by release of Incorrect account and personal information adversely affecting credit reports. accounts should reflect a status of " paid in full '' or be removed completely from credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01108
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I opened a checkings and savings account with Ally bank and transferred in {$180000.00} from my XXXX XXXX XXXX Checkings to Ally Checkings and then Ally Savings. Then, I wanted my money back in that very same XXXX XXXX XXXX account. I moved it all back from Ally Bank Savings into Checkings. Since they did not allow more than {$10000.00} in transfer at a time, I hade XXXX separate transactions back to my XXXX XXXX XXXX. They locked me out of my account while the transfers are in limbo and I no longer have access to my life savings. I am utterly distraught, worried about whether I can keep up on payments. They refuse to unlock my account despite verifying my identity 6+ times over the last two weeks as they do no reveal details of the " investigation '' they are conducting. I have been provided no ETA of when this matter will resolve. Most bank accounts will just unlock your account same day weeks but I've been sitting in near poverty for almost XXXX weeks. Lastly, one instance I called someone, verified my identity with SSN, security questions, etc and the caller asked me if I am the owner of the account to which I responded " Yes ''. They then promptly said they will disconnect my line because I am not the owner of the account. This sounds so scummy and fishy!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95121
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: We recently ( XX/XX/23 ) fell victim to a scam artist resulting in our withdrawals at multiple ATMs to pay toward said scam. This was traumatic, embarrassing and hurt us financially. We reported this to police and Ally, our bank. We followed all steps and procedures advised by Ally, who stated they would investigate. Two weeks later, we noticed our checking account was closed, with no advanced notice. We called Ally, and were told investigators had terminated Allys relationship with us. They closed all accounts without notice, on the last week of the month, immediately before mortgage, credit card, loan payments came due. They did not even give 30 days notice to mitigate the damage that would predictably occur to us. They snail-mailed the checks with the cash from said accounts, thus locking out any rapid access to our only liquid assets when all payments came due, potentially causing long lasting credit damage, financial damage from late credit card payments, missing loan and life insurance payments, not to mention buying food and school supplies as its also the first week of school for our daughters, while scrambling to get funds into another bank, which involved breaking into retirement savings. If Ally flagged us as suspicious with the national bank XXXX, its possible we may have issues opening accounts with national banks in the future. We do assume they flagged us as having suspicious activity. This despite giving them the contacts, names, incident numbers of the police involved in our case. In fact, this was a rare case where one of these officers directly witnessed the scam occurring in real time, in person, and who could corroborate we were the victims of the scam, not the perpetrators. Ally was informed of this on not one, but two separate phone calls with their fraud department. Allys investigators did not bother to speak to the police, or spend more than two weeks looking into this ; they simply summarily closed all our accounts without notice, causing more and longer lasting harm, financial and emotional, than the actual scammer to their previously loyal customers. Apparently this is all legal, and consumers have no recourse other than file a complaint to regulators, which we did. I understand this is not illegal, but it clearly is a terrible way to treat customers you claim to support and value when they are going through a traumatic event. We called a third time, requested they investigate further, that we would willingly submit to a thorough review if our records and finances, but never heard more other then being told all decisions are final. We turn to banks to protect our assets, make sure our funds and readily accessible and stand by their customers. I understand people commit fraud against banks and they need to protect themselves. But this needs to be balanced against supporting customers, and not harming them. In this case, they could have verified our account of events with one or two phone calls and spoken to the officers on the ground at the time. They could have given us reasonable notice prior to closure. Instead, our own bank has harmed us more than the actual criminal that scammed us. Ally is not, in fact, your ally should the worst happen and you fall victim to a scam.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 014XX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Ally Credit Card keeps placing a hold on my account for no good reason. Each month I have to call and go through all the horrible customer service, lies and unlawful reasons. The first month it was because they supposedly needed a letter from my bank stating that I was an authorized user to make payments although this was the bank that they checked to see if I qualify as well as accepting several payments close to XXXX each., I called my bank and they stated that they are not in need of this so called paper and payment has already been accepted and posted. The second month they placed a hold again and when i called for the excuse this time they stated that they feel I am spending too much money on my card. I did not even max out the card but if I did who do they think they are to tell me I can't use my credit limit that they issued to me. i still had a small credit remaining and pd balance in full which had yet to be credited and I was trying to prepare for the Hurricane Idalia that we have moving into Fl and I was not able to get gas, water or any other necessities such as my medication I have never once been late and as a matter of fact always paid the full amount before it is even due. They have no problem accepting any of the payments but they feel they have the right to not allow me to use my credit when I please. I understand a hold for several days after payment has been made but this is ridiculous as it states 7 days and they wait longer than the amount of days listed in their rules as well as give bogus reasons and should not be happening each month or anytime I spend with this card. I feel as though they may be trying to steal my identity or get access to my bank account. Also hang up on people and leave them on unnecessary holds for over an hr., I looked them up on the XXXX and their ratings are horrible as well as statements made that are exactly like mine if not similar. I have since consulted with my bank again and they suggested that I consult with an attorney in which I have some today. Thank you for your time and understanding. I look forward to your response. 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: 334XX
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: Recieved letter from Ally bank showing {$4000.00} refund for cancelation of extended warranty, they only paid me {$3000.00}, refusing to pay me the balance of {$980.00}. Called customer service 8 times with out any results. The letter wss dated XX/XX/, cancelation date was XX/XX/. The letter shows Ally XXXX as payee. They recieved the cancelation on XXXX XXXX. All I want is what they were paid when I paid the new car off, with the {$4000.00} warranty included, which was XX/XX/. I have a letter from Ally saying they were paid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 735XX
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: Was in the market for services from XXXX XXXX XXXX XXXXand was willing to pay the full amount but was coerced into taking out a loan with an interest rate of 19.9 % that was not disclosed to me. A credit counselor told me this was predatory lending and should be report. Loan Summary XXXX XXXX XXXX XXXXXXXX LOAN AMOUNT {$2800.00} LOAN PACKAGE 48 Month Installment Loan APR 19.99 %
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33584
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A