Date Received: 2023-08-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX {$3200.00} XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX XXXX XXXX XXXX XXXX {$53.00} XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) XXXX {$0.00} 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 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 ). I have disputed over the phone and with a rep, I also have provided ftc reports as well. I have ask for the original documents with signed signatures sent to mailing address and haven't received proof of any kind this act is in violation of my consumer law rights
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27610
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In Accordance with the fair credit reporting act Ally Account XXXX has violated my rights. 15 USC 1681 Section 602 States that I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit pan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I purchased two couches from XXXX XXXX order number XXXX on XX/XX/XXXX. We were told that the couches would be delivered between XXXX and XX/XX/XXXX. In XXXX we received a notice that they couched had started to be built. In late XXXX we received a notice explaining how the inspection process would proceed. On XX/XX/XXXX we received an email saying they apoligized for not communicating well and that they were having difficulty with delays. Then on XX/XX/XXXX we received an email saying that the couch would be rshipped in late XXXX of XXXX. On XX/XX/XXXX I received an email from XXXX XXXX with a Notice of Assignment & Proof of Claim Form ( XXXX XXXXXXXX. ) I called XXXX XXXX and emailed them several times but received messages saying they were experiencing longer than expected wait times. On XX/XX/XXXX I filed my Proof of Claim form. I was told that many clients would still receive their couches and to wait. The date was pushed back several times. I finally received notice on their website saying my couch was not going to be delivered. Someone named XXXX told me to contact my credit card company to file a fraud claim. I had paid cash through my XXXX at Ally banXXXX. I filed a fraud claim and MasterCard and Ally both denied it saying that I did not file the claim soon enough within 90 days of ordering the couch. I did file within 60 or 90 days of receiving the notice but they did not consider that to matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53704
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Ally financial was repeatedly contacted with accounting audit request and validation. All requests were ignored. Negotiable instrument was received, never applied and never returned. Securities fraud was reported to IRS and transcripts received from IRS show no record ever filed by Ally. On XX/XX/2023 third party reposession company was hired by Ally, which is direct violation of fdcpa 15 USC 1692f.Ally shared private, non-public information with third party collection company and all three credit bureaus. Being reported for identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 633XX
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I paid XXXX XXXX XXXX On XX/XX/XXXX I paid XXXX for my account with Ally XXXX confirmation number So Ally reported to XXXX I made a partial payment that took my credit score down XXXX points this is in correct Will you help me to finally complete this item off my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27292
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: In XX/XX/XXXX, my XXXX XXXX was totaled. It was paid off from the total on XX/XX/XXXX to ALLY Auto Finance. I was told at that time it would be 4-6 weeks for the refund on my GAP insurance since the car was paid before the loan ended. On XX/XX/XXXX I called to check on the status of my GAP refund because I hadnt received it. The GAP department informed me they had not been notified the loan was paid off or the car totaled, so they updated my account at that time. I received a letter from ALLY stating I was due a refund if {$940.00}. They said the dealership, XXXX XXXX XXXX in XXXX, KS, where I purchased the car from would be invoiced for the amount owed ( {$940.00} ), would issue the payment to ALLY, then ALLY would pay me {$940.00}. XXXX XXXX submitted payment to ALLY Financial on XX/XX/XXXX. ALLY did not cash the check until XX/XX/XXXX. The check ( number XXXX ) cleared the dealerships bank account on XX/XX/XXXX with no issues in processing. I still have not received payment from ALLY for the GAP insurance. I have called weekly to get information and every time I am on the phone for 45-60 minutes, without any definitive answers. I am told repeatedly it is 4-6 weeks, 6-8 weeks, or 8-12 weeks, every time I call. I have been told I will get a call back within 24-hours, but I have never received a call back. Each time I call, Im told by ALLY Financial it is something ALLY Auto handles, but when Im transferred to ALLY Auto, Im told ALLY Financial handles it, so they transfer me back. When I finally get to someone who listens, they tell me they can see all of the notes from my previous calls, but can not tell me when I am getting my refund. Instead they tell me they will reach out to the department that handles it ( but has not said what department that is ) and I will get a call the next day. I never get a call back though.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66801
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023, at approximately XXXXXXXX XXXX I was in XXXX XXXX located at XXXX XXXX XXXX. XXXX, Ga XXXX. At this time, I received a notification of two transactions made by my debit card at XXXX XXXX. The first was in the amount of {$820.00} and the second was in the amount of {$830.00}. I immediately called Ally Bank and reported my card stolen after noticing my wallet had been taken from my purse. I was advised, by Ally Bank, that there was nothing that could be done until the transactions posted to my account. At this time, I contacted the XXXX XXXX Police Department. At approximately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX arrived and completed a Police Report. On XX/XX/XXXX I was able to retrieve the report which stated that XXXX XXXX did respond to the XXXX XXXX and was able to obtain video evidence of two " mixed raced '' individuals unlawfully using my debit card. The report further stated that XXXX XXXX was able to match transactions with amounts and timestamps to corroborate my report and that all evidence was uploaded to XXXX XXXX On XX/XX/XXXX I uploaded my report to Ally Bank and was advised that the dispute case was opened. Since this day, Ally Bank has denied my dispute three times. Every time the reasoning changes. The first was due to no Police Report, which was later determined to be an error on Ally 's behalf. The second I was advised that other transactions were made with the same card on the date in question. This was also determined to be in error as they were looking at purchases made by my husband and not the actual stolen card. The third, and most recent, is due to the charges being made from a debit card. There have been multiple other excuses for no reimbursement, and it is now clear that Ally Bank is intentionally closing my dispute to avoid reimbursing me. Any assistance would be greatly appreciated. For Ally bank to so blatantly dismiss that a crime occurred and to have no regard for their customer 's well-being, I would bet that we aren't the first to come across this problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30188
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33012
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Problem with customer service
Subissue:
Consumer Complaint: On XX/XX/2023, I called Ally Bank to get a cashiers check. I needed this check on XX/XX/XXXX which is 10 business days after the call. They said it would take 7-10 business days to arrive. My husband got a cashiers check from Ally a few weeks prior and it arrived within a week ( 5 business days ) so we followed the same timeline. The check did not arrive as planned. When I called they said there was nothing they could do, it got delayed in getting sent out, not mailed until XX/XX/XXXX, wouldnt cancel the check, increased my debit card atm withdrawal to $ XXXX for 2 days but said I had $ XXXX limit for point of sale ( needed to get a money order since check didnt arrive on time ) On XX/XX/XXXX, went to get a money order at XXXX ( XXXX ) grocery store, transaction declined. Called Ally, verified my identity, they said it was flagged and there was no way they could approve it, said I had to try later or go to another institution. I asked to have my atm withdrawal increased since it was $ XXXX and I needed {$2100.00}. Declined by customer service. Said I should buy something at the grocery and get cash back. Did this, transaction declined. Got my $ XXXX money order with the cash I was able to withdraw and begged the institution I owed to give me another form of payment after explaining my situation and they worked with me. Cashiers check arrived within 11 business days
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84119
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Ally Bank Complaint : I've been a dedicated, loyal customer of Ally Bank for over 5 years. I've always deposited, auto-debit, in both my checking and savings account with no problem. I become a victim of a job offering scam for remote work with a financial deposit for remote work equipment that was spelled out in their scammer " offer letter '' that I needed. I reviewed the items and they ALL were legit including the vendor equipment for remote workers that they listed for me to buy. Ally reviewed my experience and still decided to cancel me as a customer after all these years and ONE incident of a scam/identity theft, they closed my account & froze my funds. Like WOW??!! Just know if you work with them, this will be the result if you are a victim of something YOU did NOT do wrong! They closed both my checking ( {$25.00} ) and savings account ( {$3500.00} ). Choose another online bank for your best interest because some things are out of your control. I've been very disappointed in how they disregarded me as a customer so quickly and would not disclose the investigation details so I can understand why I was dropped as a customer when I've given them no issues all these years. Closing these accounts created such a disadvantage in my life these two weeks and I've been so bummed. Just watch out for the scammers and verify any checks they give you to deposit ( if you are applying for jobs and yea ). Ally was a bank I recommended for years before this incident happened to me, but now not going to do that. It is what it is... Best!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92336
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A