Date Received: 2023-08-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023, I submitted a dispute for XXXX in the amount of {$150.00} for bank account ending in XXXX. I have submitted documentation to the bank showing that I returned the product and didn't receive my refund from the company. The bank account is now closed. The merchant advised they will not work with me any more due to they refunded it back to the closed bank account. I have contacted Ally Bank many times. Providing all the proof they are requesting from me. This dispute has been opened since XXXX and its now XXXX. I have not been provided any temporary credit and they decided to close my bank account without my authorization. They are stealing my money and violating Regulation E due to my dispute has been well opened more than the time frame its supposed to be open. They have not given me an update on my dispute and no funds have been provided. I keep asking to speak to a manager, do the callback requests for a survey for someone to call me back and no one has called me. I need assistance with retrieving my funds as Ally Bank is stealing my money from me. I believe they are retaliating against me and causing me harm and treating me poorly and unfairly. I dont understand why the dispute has been ongoing for over 6 months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33612
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Other transaction problem
Subissue:
Consumer Complaint: The situation consisted of a fraudster posed as a member of law enforcement. Specifically, the fraudsters involved were impersonating the XXXX XXXX Sheriff deputies, who falsely accused me of contempt of court and failure to appear, while also imposing monitoring in place orders. To avoid jail time and criminal charges, the fraudsters demanded through scare tactics multiple bond payments and was in constant contact through every financial transaction that took place. The fraudsters initiated the P2P transfers via XXXX and XXXX and forced us to complete multiple transfers. At no time did we receive any benefit from the transfer. In fact, we suffered from financial loss. On XX/XX/2023, I initiated disputes with Ally Bank for transactions that debited my Spending account ending in XXXX between XX/XX/XXXX and XXXX, 2023, 11 transactions, totaling {$13000.00}. On XX/XX/2023, Ally Bank took proactive measures to thwart fraudulent activity associated with XXXX by initiating an account lock due to an inability to verify the account holder 's identity. In addition to the unusual nature of multiple transactions, Ally Bank possessed evidence of an unauthorized transaction within the P2P account linked to the same individual involved in the other transactions. On XX/XX/2023, a phishing text was disseminated, with one of the fraudsters attempting to impersonate Ally Bank. This incident was promptly reported to Ally Bank. Regrettably, Ally Bank 's subsequent investigation failed to acknowledge this occurrence or establish a connection to the ongoing fraudulent activities. In response, we received a standardized response from Ally Bank, stating, " We are committed to protecting the personal information of our customers. We always encourage customers to pay very close attention to any unusual activity on their bank accounts and debit/credit cards. '' Unfortunately, Ally Bank has yet to recognize the potential linkage between these events. Ally Bank denied these disputes due to Regulation E, as a non-covered transaction which include : Merchandise ordered but not received, defective merchandise, wrong merchandise received, service not rendered, 3rd party NSF fees ( e.g., Return Check Fee ), transactions processed by a 3rd party processor, customer provided debit card ( DC ) and PIN information to another person ; however, failed to contact us to inform us they had revoked the other persons authorization to use the DC. Ally Bank stated : Additionally, XXXX is a service that is used by a number of financial institutions and allows individuals to send and receive money with almost anyone who has a XXXXXXXX XXXX account by using their email address or a U.S. mobile number. XXXX is intended for sending money to family, friends, and other people you trust. You should not use XXXX to send money to recipients with whom you are not familiar or do not trust. When you enroll to use XXXX as an Ally Bank customer, you agree to its terms detailed in the Ally Bank Online Banking Services Agreement, Version XXXX, effective XX/XX/2023. Further, subject to our obligations under applicable laws and regulations, you agree that you, not Ally Bank or XXXX, are responsible for resolving any payment or other disputes that you have with any other user with whom you send money to, or receive or request money from, using XXXX. We are under the impression that the Electronic Fund Transfer Act ( EFTA ) and Regulation E are applicable to P2P payments like XXXX and XXXX. This applies particularly to instances where a consumer is deceived into performing an Electronic Fund Transfer ( EFT ), which subsequently renders the transaction unauthorized due to fraudulent inducement. 12 CFT 1005.2 ( M ). I am also of the understanding that the Electronic Fund Transfer Act ( EFTA ) incorporates an anti-waiver provision, which stipulates that " [ n ] o writing or other agreement between a consumer and any other person may contain any provision which constitutes a waiver of any right conferred or cause of action created by [ EFTA ]. '' ( 15 U.S.C. 1693l ). This provision emphasizes that an agreement can not curtail a consumer 's rights beyond the scope defined by the law. Any contractual arrangement that attempts to limit these rights is deemed a violation of the EFTA. I am requesting that this dispute be evaluated to ensure all regulations are being followed and that as a consumer I am being protected against fraudulent activity. Furthermore, I am requesting my account to be credited {$13000.00}. Thank you,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37221
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: My dog was with XXXX XXXX for about about a week before he almost died in their care. I received a call on Friday morning ( XX/XX/XXXX ) from XXXX saying that my dog was unresponsive and had XXXX XXXX and he had to be taken to the vet for care. Later that afternoon I received a call from her and was told that my dog may have gotten " a little too hot '' while on a walk the previous day and that was the cause of his XXXX XXXX. I was then told by the vet that my dog had a XXXX XXXX on a walk with XXXX on Thursday and that the XXXX XXXX caused a chain of reactions with my dog 's health and in addition to a XXXX XXXX he now had to battle a XXXX XXXX and XXXX which is a XXXX XXXX XXXX which has a bad prognosis and almost killed him. My dog is now in a state where he barely walks and will take several months to make a full recovery. Now after all of this and with my dog back in my care after a week with her she refuses to give me my money back. She also blaims his issues on his " poor health '' from a bad diet but refuses to acknowledge that the initial reason he went in there from a XXXX XXXX that was caused by her exposing my dog to sun for too long without taking care to make sure he didn't get too hot. All I want is the money that I paid for a service that I didn't get back and she refuses to give me my money back or make things right. So I had to file a dispute on XX/XX/XXXX with my bank ( Ally ). The transaction was made for {$3500.00} on XX/XX/XXXX. My bank closed the dispute on XX/XX/XXXX saying they couldn't get the funds from the merchant but the merchant is saying the funds were taken from their account already. They showed me proof it was taken out on XX/XX/XXXX. My bank is saying they tried to take the money from the merchant but they weren't able to but the merchant is saying it was taken out and their bank told them that the dispute was closed and their is nothing that they can do. I just need clarification on where the funds went and who has what and see how I can get my money back. Because I'm not sure if I was lied to or if {$3500.00} just disappeared.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32751
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I am sending this response to the the lender. I would like to use code HJR-192 this code validates the account Consumer Law code. I am dealing with a lot of identity theft and inconsistent resources that are misleading and useful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28083
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I initiated a transfer from Ally on XXXX to a new credit union. The transfer was flagged due to it being in a different geographic area ( I just moved. ) My Ally account was suspended then. I called on XXXX and the suspension was removed, but the transfer never arrived at my credit union per the transfer schedule on posted on Ally. On XXXX, an Ally representative told me that my funds would be at my credit union on XXXX. On XXXX, an Ally representative advised that my credit union had returned the transfer due to insufficient funds. ( Clearly, that is not a reason that a credit union would use to refuse an incoming transfer. ) I talked with my credit union, and they had no record of an ACH in the amount in question or the tracing number provided by Ally. The funds posted back into my Ally account on XXXX, but now my account is suspended again. I have called Ally several times and am always told that the matter will be addressed in 1 to 2 business days. I am now at one week without access to my funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48105
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: On XX/XX/XXXX POA revocation was sent certified mail. XX/XX/XXXX letter of recission and Affidavit was sent to XXXX XXXX. In XX/XX/XXXX contract was executed under false and fraudulent pretense to include inflated purchase cost, XXXX contract, down payment and dealership processing fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21206
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In Accordance with the fair reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have the rights to privacy. 15 USC 1681 section 604 ( A ) section ( 2 ) it also states that a consumer reporting agency can not furnish an account without my written instructions. Also under 15 USC 1666 ( B ) a creditor may not treat a payment on a credit card account under an open and consumer credit card as a late payment for any purpose. I request that all late payments to be removed from my credit report according to my rights mentioned above. Thank you in advance for your help in protecting my rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Repeated calls to attempt to collect a debt that does not exist. I did not answer the calls because I saw it was listed as a scam. They then called my husband told his a fake case number and said it was a legal matter
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70817
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I reached out to Ally bank on XXXX XX/XX/2023 to stop a check payment. I chatted as well as talked to somebody regarding this. They guided me for online process to do so. But even then the check was cleared and when I asked Ally bank - I was told that it needs at least 24 hours to kick in. If that was the case why no one told me on XXXX XX/XX/2023 itself. Moreover even when the stop check payment didn't worked, I was charged {$15.00} stop check payment fees. Later I need to chat with ally bank annoying customer service person XXXX to get it removed. Ally has always failed in terms of stopping check or ACH payment. Last year Ally failed to stop ACH payment. Very inefficient and useless bank. When they fail then they tell the customer to reach out to vendor in terms of stopping check or ACH payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I received an email offer from Ally Bank stating that I was " pre-approved '' for an Ally Bank credit card. The offer stated that I would receive {$200.00} after spending {$500.00} on the card. I received XXXX of these emails within one week. Obviously, since I received 2 emails, Ally Bank must have checked me out to determine that I was " pre-approved. '' The offer is misleading. In most cases, " pre-approved '' means that you qualify unless the company determines that the information you provide in the application is false or can not be substantiated. Ally Bank must have checked my credit report to determine that I was " pre-approved. '' The application process then asks me for employment, asset, and income information. Ally Bank misleads consumers to believe that they are " pre-approved '' for a credit card, when, in fact, they are simply fishing for a consumer 's financial information in hopes of marketing other products to the consumer. Ally Bank and other financial institutions should be STOPPED from using the terminology of " pre-approved '' when the financial itself has reached out to the consumer with the " pre-approved '' offer. As I stated earlier, I received the same email solicitation from Ally Bank within a 1-week period 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: FL
Zip: 34293
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A