Date Received: 2023-08-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone ran my credit for a auto loan with all of these companies and messed up my credit with hard inquiries This was not consented by me and i have no open accounts with none of these financial companies .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: TX
Zip: 77477
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened an online savings account with Ally bank in XXXX of XXXX, and deposited {$7000.00} of my personal funds. The transaction went thought successfully, but shortly after, there was a hold on my account, a hold which has been going on for over a year now. The initial issue was my address, but after proof of address was given, I was told the funds I initially deposited will be returned to my account anyway. Months have passed and that has yet to happen. Whenever I called requesting updates, I was told that an investigator would contact me once the investigation was completed. My bank has stated that it isnt legal for Ally bank to withhold my funds for this long. This has caused severe emotional damage as Ive been waiting for my funds to be returned to me. I need someone who is actually going to be able to help me rectify this issue, as the ally bank representatives tend to give me conflicting information. I have countless phone call logs I have made to ally bank over the years, as well as different representative names. Finally Ally bank told me they will return my money once my financial institution ( XXXX XXXX XXXX XXXX ) reaches out for it on my behalf. My bank representative, XXXX reached out XX/XX/XXXX, but was rejected twice by Ally bank. I have the documents showing my banks request being denied by Ally bank. At this point, Im not sure what more I need to do on my end in order to get my funds back. The last time I talked to Ally bank asking them why they rejected my banks request, was XX/XX/XXXX. I was told theyd give me a call back. I am still waiting for that call
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11563
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: To whom it may concern, I recently was a victim of one of my investment accounts being compromised. It is my XXXX investment account, my banking information y Ally bank ) was saved on my account. The culprit drained my bank account balance and was able to send off any balance making the transaction irreversible. I contacted XXXX and they have locked my account. Attached below is emails of a different ip address accessing my email and my kraken account. I only have purchased bitcoin, based on the emails it looks like the culprit bought different currency which I am not familiar with whatsoever. They were able to get into my email. On XX/XX/XXXX, this ip address was able to login to my kraken account, this is not my ip address. I provided this same information to Ally and they have yet to give me a response. I immediately notified my banking institution, Ally bank and they were helpful to an extent. I spoke to their claim and disputes department and they went ahead and reimbursed me my funds. My issue now is they have completely restricted my access to my bank account and I have my entire life saving in there. I am being treated like an absolute criminal by Ally. They will not clarify or give me any time lines to when I can access my funds. I have an auto loan with Ally as well that I can not pay because they have locked my account. All my money is in this account and its been affecting my day to day, I can not pay my bills, car payments or do anything. When I call them, they are rude and do not want to help me. I have went ahead and filed a police report to pursue who originally had accessed my information and drained my accounts, however I do not have any clarity on how this happened or why Ally did not freeze my account seeing that it was being drained. I have exhausted all options and I have kids to feed and I cant even buy food let alone get gas for my car. This is completely unacceptable. I have more than XXXX in the account that I do not have access to and no one is helped me. This is stressing me out and is unacceptable. Telling me to just wait, or putting me on long hold times or talking to me like Im a XXXX when I trusted this institution with my funds to begin with. I am at a loss for words this is unacceptable I have no access to my money! It feels like no one is listening to me or understanding the severity of my situation at Ally, again to reiterate I have no access to any of my money and it WILL start to affect my payments being paid on time and affect my credit. I have called Ally every day only to be told to wait, I can not wait when I have bills to pay. They are thieves and should be audited and investigated. Attached below are screenshots of unauthorized access to my email on the XXXX, unauthorized access to my kraken account on the XXXX a copy of my police case number ( in regards to my email and kraken accounts being compromised ) and all my emails to ally.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48188
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I stayed around 10 days in a hotel close to XXXX, and at around third night, I left all my expired documents, credit cards etc to be destroyed since they are expired. But I just left for several hours for a small trip, the hotel maid either stole them or garbaged them. Later on I reported to Police, and whoever stole my documents immediately tried all my old credit cards, and at least 5 of them went through, not even counting those valuable stuff which are stolen. and after that, occasionally I got a fraud charge from my credit card. And some even happened on my newly applied cards or recently replaced cards. And they also applied some loans with my identity, on XX/XX/, I got at least 5 credit inquiries listed below which are fraudulent! I am trying to dispute them right now! XX/XX/XXXX : 1. Ally Financial 2. XXXX XXXX XXXX 3 . XXXX XXXX XXXX 4. XXXX XXXXXXXX XXXX XXXXXXXX 5 . XXXX XXXX XX/XX/XXXX Dormant Acount Activity Lender : XXXX Amount charged : {$520.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I received an email on XX/XX/2023 that Ally Savings Bank had closed my savings account. No reason was given as to why the company closed my account. I sense this was done in retaliation for a complaint I had filed with CFPB.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34293
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: In XXXX, I received several checks from my mutual fund company that were distributions from my father 's estate. I held these checks about a week and then deposited them in my local credit union. About a week later, I sought to transfer most of the funds to a money market savings account with Ally bank where I already had a joint account with my wife. Unbeknownst to me, the mutual fund company had stopped payment on the checks because of a calculation error. I noticed this almost immediately when my credit union account showed a large negative balance and immediately filled out forms at the credit union to reverse the XXXX transfers. The people at the credit union were very helpful and did not charge me for the several returned check fees that would have accrued. Later that XXXX, I initiated contact with Ally bank to close the account. I was told this would happen. It did not and my login at Ally showed this account with the balance that it would have had if the XXXX transfers had cleared but that the funds were not available. After about a couple of months, I finally got Ally to make the funds available show XXXX from the initial deposits and they said they would close the account. This never happened despite repeated requests. The account has accrued a bit over XXXX XXXX in " interest '' that was credited on the phantom balance. They have continued to promise to make the account balance XXXX and close the account but this has not happened. Now I am exposed to the possibility of receiving a 1099 for this " interest '' that is not mine. This may also expose _me_ to accusations of some sort of shady dealing. I would just like to be done with Ally bank and I can not believe they will not resolve this. I believe this is likely due to laziness and/or incompetence in the Ally bank IT department who are unable to bypass and resolve this somewhat unusual situation. I have attached an account statement. I have numerous messages with Ally as well and can add these if needed,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47712
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I do not recognize the following inquires
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21133
Submitted Via: Web
Date Sent: 2023-08-28
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 have been dealing with poor customer service ongoing from Ally Bank. Most recently, I made contact with the company multiple times and completed the required forms as instructed, yet still, they failed to move the requested funds into the correct account as requested and agreed upon. Instead, they gave me the run-around. I tried to communicate with Ally Bank multiple times to no avail and never received any assistance. After deciding to take the funds and go to a different bank, Ally Bank is now providing XXXX assistance with closing the empty IRA. Ally Bank LOVES to give me the run-around, transferring me to multiple departments, when I seek help with their " 24-7 '' customer service it's not actually available as advertised. Instead, I'm told to call multiple departments at very specific hours and when I have again, no help is provided just the run-around. If I fill out forms, they still refuse to honor requests. There is no way to escalate complaints. Ally Bank 's customer service has become nearly non-existent and they are falsely advertising that they offer this AMAZING 24-7 customer service when in fact, Ally Bank does not. Again, tonight I tried to seek assistance through their " live chat '' and my time was wasted. If Ally Bank 's customer service were so great, then I wouldn't feel the need to spend the time to draft this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Ally Financial XXXX XXXX XXXX XXXX, MN XXXX Date : XX/XX/XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. To Whom It May Concern : You are in violation Fair Credit Reporting Act ( FCRA ), [ 15 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my consumer report on XX/XX/XXXX without my authorization or a Permissible Purpose under 15 USC 1681 Fair Credit Reporting Act ( FCRA ) and its guidelines for Permissible Purpose. A Person shall not use or obtain a consumer report for any purpose unless ; 1. The Consumer Report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The Purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) 5 of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Ally Bank deducted {$170.00} from my checking account ending in XXXX for ATM withdrawal at XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX UNITED STATES on XXXX XXXX. THIS WITHDRAWAL IS FRAUDULENT> IT WAS NOT MADE BY ME AND NOONE ELSE HAS MY CARD ( now inactivated ) OR MY PIN!!! ALLY BANK refuses to reverse this charge despite my complpaints on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2023. ALLY BANK is in receipt of a police report from XXXX XXXX XXXX XXXX XXXX Case Master Report XXXX Date Initiated XX/XX/2023 Additionally, DESPITE ALLY BANK 's RECORDS THERE IS NO ATM AT THE GIVEN ADDRERSS!!! THIS IS OUTRIGHT FRAUD AND MY {$170.00} NEEDS TO BE REFUNDED IMMEDIATELY!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A