Date Received: 2023-08-22
Issue: Incorrect exchange rate
Subissue:
Consumer Complaint: Prior to leaving the XXXX for the XXXX, I confirmed with my bank ( Ally ) what exactly I was to do to avoid excessive fees and currency exchanges during my time in the XXXX. Per emails from them I was instructed that they were members of the XXXX XXXX and that I should seek out those machines. I would only have to pay a small international transaction fee. On XX/XX/XXXX I was told by Ally - " Please keep in mind that Ally Bank does have an ATM locator on ally.com and the mobile app. Any transactions performed at XXXX ATMs are surcharge free. XXXX ATMs are available outside of the United States in XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX. You can also find these locations at XXXX XXXX I followed these instructions and found a machine on XXXX XXXX XXXX XXXX XXXX upon my arrival on XX/XX/XXXX. The maximum I was able to withdrawal was XXXX pounds which at the conversion rate of XXXX came out to roughly XXXX XXXX with a XXXX ( XXXX ) fee. Upon checking my withdrawal statement on the Ally app - I discovered that they took XXXX XXXX. A predatory difference of XXXX XXXX. I filed complaint with the bank and was told the following my a customer service agent named XXXX and his message reads the following if you can make sense of it. I was not challenging the transaction fee but the predatory way they hoodwinked me with a false and excessive exchange rate after assuring me this would not happen. " If you conduct a transaction in a foreign currency, the Debit Network will convert the transaction amount into U.S. Dollars by selecting an exchange rate from a range of rates available in wholesale currency markets ( or the government-mandated rate ). The exchange rate will be applied on the settlement date of the transaction which typically is later than the date of the actual transaction. It may not be the best rate or the rate that the Debit Network itself receives. In addition, an International Transaction Fee of up to 1 % applies to any POS debit or ATM transaction originated by any merchant or any ATM operator located outside the United States. Other fees for foreign transactions may apply. We will not reimburse you for any exchange rate loss or fee, or for any other fee you incur by using your Card outside the United States. '' The customer service rep XXXX who called me ( and I have all communication should you need ) can be reached at XXXX and select option XXXX. I have attached his message to me. I have attached the message from Ally instructing me about the XXXX access. I have attached a copy of the ATM receipt which you can see is in the network of XXXX. I have been hoodwinked here and XXXX seems to be the kind of rep who only cares about profit of business.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 875XX
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Ally Subject : Explanation of Inability to Open an Account due to Confinement Dear Ally, I hope this letter finds you well. I am writing to address a recent matter concerning an account application that appears to have been initiated under my name. I would like to clarify that I did not open an account with [ Bank 's Name ] during the specified time frame due to extenuating circumstances that rendered me unable to do so. The application in question seems to have been submitted on XX/XX/2016. I must emphasize that during the period surrounding that date, I was in confinement and faced significant limitations in my ability to engage in any activities outside of my immediate living space. The nature of my confinement was such that I did not have access to the necessary resources, including internet access and physical documentation, required to open a new account. Moreover, my location was not conducive to such activities, making it logistically impossible for me to initiate any account-related procedures. I understand the importance of accurate record-keeping and the need for thorough investigations in matters like these. I kindly request that you conduct a comprehensive review of the application details and consider the circumstances I have outlined. It is my hope that this clarification will allow you to confirm my assertion that I did not open the account mentioned in your records. If there are any additional steps or documentation required from my end to support this claim, please do not hesitate to inform me. I am more than willing to cooperate fully to resolve this matter promptly. I appreciate your understanding and cooperation in this regard. It is my earnest hope that we can swiftly resolve any discrepancies and rectify the situation. Thank you for your attention to this matter. I look forward to your response. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94102
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Subject : Illegal Freezing of Assets? Body : My issue is with Ally Bank. I recently changed my phone number. Once I had changed my number, I updated that information with Ally Bank accordingly. Unfortunately, this triggered a freeze on my account. When I try to access my account, I am locked out and receive error messages such as " We've locked your account. '' I've been on several phone calls now, yet none of them were able to unlock the account. As it stands currently, my assets are frozen and I'm not convinced that this freezing of my assets is legal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Ally Financial is showing the account as a charge off, but it has been 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: 19348
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Ollo Card Services, XXXX XXXX XXXX, XXXX XXXX NY XXXX has always said my payment is late and charge me a fee ; even though I mail it in plenty of time. I have complained to them but they just say mail it earlier. This month, I mailed it TWO WEEKS before due date and they still said it was late. I think they are doing this deliberately to charge me a fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 727XX
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: I received credit denial for an auto loan from this bank from a dealership ( XXXX XXXX App # : XXXX ). Their reasonings for credit denial were based off of credit reporting for items that went delinquent due to unemployment delayed from a XXXX and several XXXX unemployment claims still unpaid and unresolved. And zero pandemic assistance received during the entire COVID-19 timeframe. Everything was delinquent and caused my credit issues because of delayed unemployment, delayed assistance, and I applied for thousands of jobs claiming to be hiring and they were not. I started doing XXXX XXXX XXXX of XXXX because I was homeless and sleeping at rest stops seeking help for shelter, etc. Or I was denied the jobs based off of EEOC violations. In which case, I have hundreds of complaints filed with all of these agencies that went unresponsive for a year or longer. I am owed roughly {$42000.00} to {$96000.00} in unemployment money. I wound up homeless and lost my FHA HUD backed mortgage waiting on nothing to happen. And my congressman sent the police to my home to have me XXXX and committed for a XXXX XXXX versus resolving what I was contacting his constituent services about. Him and all other political representatives in my district and directors on all levels of government agencies received hundreds of letters, emails, calls, etc., from me and NOBODY responded over a 4-year period. Which prompted a congressional ethics complaint. Prompting me to go about this in this manner to prove a point to the lack of action and response from people who are supposed to be a service to the public and I was a taxpayer. And now am again. I'm not in my situation by choice. I didn't create this!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21222
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My Ally savings and invest account were locked out more than 10 days ago after a transfer triggered a fraud review in their system. I submitted documentation as requested by the bank but they will not unlock my account and give me access to my funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45238
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: I received credit denial for an auto loan from this bank from a dealership ( XXXX XXXX, XXXX App # : XXXX ). Their reasonings for credit denial were based off of credit reporting for items that went delinquent due to unemployment delayed from a XXXX and several XXXX unemployment claims still unpaid and unresolved. And XXXX pandemic assistance received during the entire COVID-19 timeframe. Everything was delinquent and caused my credit issues because of delayed unemployment, delayed assistance, and I applied for thousands of jobs claiming to be hiring and they were not. I started doing XXXX XXXX XXXX of XXXX because I was homeless and sleeping at rest stops seeking help for shelter, etc. Or I was denied the jobs based off of EEOC violations. In which case, I have hundreds of complaints filed with all of these agencies that went unresponsive for a year or longer. And XXXX XXXX XXXX ( XXXX XXXX ) reporting is extremely inaccurate, and they have corrected nothing I have submitted over the last 6 years alone. And apparently are not running any updates at all for some time. I am owed roughly {$42000.00} to {$96000.00} in unemployment money. I wound up homeless and lost my FHA HUD backed mortgage waiting on nothing to happen. 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 Him and all other political representatives in my district and directors on all levels of government agencies received hundreds of letters, emails, calls, etc., from me and NOBODY responded over a 4-year period. Which prompted a congressional ethics complaint. Prompting me to go about this in this manner to prove a point to the lack of action and response from people who are supposed to be a service to the public and I was a taxpayer. And now am again. I'm not in my situation by choice. I didn't create this!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21222
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: 15 U.S.C. Sec. 1681i ( a ) I heard that if you cant provide proof, these accounts must be deleted. Well i want these accounts deleted if they are not percent right and correct.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33054
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: Beginning in XXXX, Ally Bank XXXX XXXX XXXX, XXXX, TX XXXX is taking an exorbitant amount of time to post payments to this account and claiming they did not receive the payment in time and then charging {$35.00} late fees. XXXX XXXX was due XX/XX/XXXX. Payment was debited from by XXXX XXXX checking Account via XXXX on XX/XX/XXXX and posted to the Ally Bank account on XX/XX/XXXX. 11 days after the payment left my bank account. XXXX XXXX was due XX/XX/XXXX. Payment was debited from my XXXX XXXX checking account via XXXX on XX/XX/XXXX and posted to the Ally Bank account on XX/XX/XXXX. 3 days prior to my due date, yet I was still charged a late fee on XX/XX/XXXX. XXXX XXXX was due XX/XX/XXXX. Payment was debited from my XXXX XXXX checking account via XXXX on XX/XX/XXXX and posted to the Ally Bank account on XX/XX/XXXX. 12 days after the payment left my bank account. I have called and escalated this issue with a supervisor there and the only thing they can tell me is to use their AutoPay system to make the payment. They say their postal service is horrible at delivering their mail. Not my problem, why I am being penalized when my payment is leaving my account 5 days early to insure they get their payment within the guidelines they gave XXXX XXXX ( see statement on the proof of payments ). I purposely use my bank 's bill pay system to keep all my bills in one place and utilize this with many other companies and don't have any issues with them getting payments on time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A