Date Received: 2021-06-09
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I have an online savings account with Ally Bank. On XX/XX/XXXX, there was an unautorized transfer of {$2300.00} from my Ally savings account into an account with XXXX. The XXXX account was created in my name without my knowing. I disputed the transaction with Ally Bank, notifiying them I did not authorize the transaction, nor do I have any association with XXXX. Ally Bank denied my dispute, but have not given me a specific reason why, other than saying I'm affiliated with the XXXX account. I have called Ally several times, reiterating whoever opened the XXXX account used my name, but it wasn't me. The money was stolen. I have gotten no where with them. I can not get ahold of anyone at XXXX. I have spoken with someone on the phone one time, but they needed more info, and were unable to help me. I have very little info ( because it's not my account ), so I continue to hit deadends. I have filed a police report with my local XXXX Police Department.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60643
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I purchased XXXX XXXX XXXX and the interest free loan they promised me was a scam. I was very sick when the first statement showed up ( XXXX XXXX XXXX XXXX My wife told me for my health to just pay it and ignore it for now. After feeling good enough to start reading the statements I realized Id been scammed and the statements didnt make sense. They were charging me interest. I contacted the XXXX XXXX XXXX and filed complaint # XXXX. That was being denied by XXXX. I then went to XXXX XXXX of XXXX XXXX XXXX, she helped me by having specialists look at the original agreement and my statements. I found out that the North Carolina based Ally Lending was violating the law in that state. They are charging me interest, and the statements are so confusing its ridiculous. I have not filed a lawsuit yet.
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: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX ALLY FINANCIAL ) at ( XXXX XXXX XXXX # XXXX XXXX, MI XXXX ) has been sending me collection notices in the amount of ( {$1300.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11692
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I got this accounts that are not mine : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 2. Identity Theft ALLY FINCL Account Number : XXXX This is not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: On XX/XX/2021, my lender ( Ally Bank ) notified me that I was required to take an online course on homeownership from XXXX XXXX XXXX, prior to being able to close on my home purchase ( currently scheduled for XX/XX/2021 ). They claim this is a requirement of XXXX XXXX Before XXXX would allow me to proceed, I was forced to " opt in '' to allowing XXXX to sell my personal information to advertisers for marketing and other purposes, or else Ally would refuse to close on my loan. This predatory practice was not revealed to me until just three days before closing. XXXX would not allow me to take the course without providing : my email, mailing address, veteran status, disabilities, current housing situation, date of birth, education, ethnicity, first-time home buyer status, gender, offer status, marital status, other household members, dependents, race, phone number, and family income. None of this information was required in order to deliver the course to me, nor did it appear the course was customized in any way based on my answers. There is no valid reason for XXXX to collect this highly personal data. XXXX privacy policy ( XXXX XXXX XXXX ) states : XXXX may use your personal information for particular activities, including, without limitation, [ ... ] marketing and research ; studies, making referrals ; providing product, promotional and other information to you [ ... ]. XXXX may share your personal information and any other information you provide to XXXX with its affiliates, referral partners, counseling agencies, financial service providers ( such as companies providing home mortgages ), lenders, mortgage insurers, Federal, State, and non-profit or other business partners in connection with any of the activities described in this Privacy Policy or otherwise engaged in by you through your use of the Services. In addition, XXXX may share this information with business partners for their marketing and research, and study activities. There is no time limit with respect to when XXXX may share information ; and some sharing may occur after you have obtained a loan or engaged in another kind of housing transaction. There is no opportunity to opt out of providing this information or to restrict the ways in which it was used. Within less than 12 hours of completing the course, I started receiving unsolicited commercial email ( spam ) from XXXX. I should be allowed to control how my personal information is used, without the threat of having my loan application canceled. While XXXX probably feels I have opted in to such data collection and sharing, I did not have any real choice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These inquiries don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of inquiries that are reporting derogatory on all 3 credit reporting agencies. 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 6. Identity Theft XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 8. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 9. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 10. Identity Theft ALLYFINANC Date of inquiry : XX/XX/XXXX This is not mine.
Company Response:
State: NY
Zip: 11104
Submitted Via: Web
Date Sent: 2021-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-07
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: I have decided to trade in my XXXX XXXXXXXX XXXX that is financed by Ally Auto due to personal reasons. Ally sent me a letter stating that I can not trade in my car ( exact wording-they are not agreeable to my trading in the car ). The trade in will satisfy the loan so Im unsure as to why they are trying to block the sale. I have called in numerous times and no one will help. I have a right to trade in the car if the trade in amount satisfies the loan. I want yo hear from Ally as yo why they feel they can stop my trade in.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2021-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Ally Invest will not allow me to withdraw my money from my Ally Invest account to my Ally Savings account for no reason.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48917
Submitted Via: Web
Date Sent: 2021-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX provided me with a consult to have a procedure done, I told them I hadn't decided yet and wanted to wait. I was asked if I wanted to check with their lender to see if I qualifed for financing, I said ok. Ally Lending XXXX XXXX XXXX XXXX XXXX NY sent me a payment for {$110.00} towards a {$2900.00} loan. I told them I did not have any services rendered and did not wish to do so, they are filing with XXXX. I spoke to XXXX and they were very adamant that I had signed a contract. I told them I would not be doing any services with me and they held the attitude that I had signed a contract. I unknowingly must have signed when I filled out the info for Ally credit. I will not be receiving services from them and I will not be paying any money, however I'm worried how this will affect my credit. Just this morning they sent me a new contract to sign. Please advise, I believe XXXX Image runs a scam, to push people into using their services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2021-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-05
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I, consumer XXXX XXXX entered into a consumer credit transaction on XX/XX/2015 in which had a finance charge with ALLY FINANCIAL. A finance charge is the sum of all charges pursuant to 15 USC 1605 ( a ) in Truth in Lending. I consumer XXXX XXXX is the original creditor. I am owed double the finance charge in which is $ XXXXAmount financed was on my behalf and shown on the exhibit pursuant to 18 USC 8. I put a down payment of {$4000.00} in which is illegal with a finance charge in any consumer credit transaction. I sold security interest to ALLY FINANCIAL Pursuant to 15 USC 1602 ( g ). According to 15 USC 1635 I, consumer XXXX XXXX had a right of rescission, and disclosures forms were not provided to me during this credit sale by ALLY FINANCIAL. This alleged contract is fraud and null and void. ALLY FINANCIAL is criminally liable pursuant to 15 USC 1611, & has civil liability pursuant 15 USC 1640 for these actions committed against me. ALLY FINANCIAL has threatened to take illegal action that can not be legally taken pursuant to 15 USC 1692e ( 4 ). ALLY FINANCIAL has also violated the Fair Debt Collection Practicing Act. Every month ALLY FINANCIAL states I owe a debt that was already paid and that is illegal according to my consumer rights. This account is fraud and I do not owe a balance. I'm instructing that all prior payment made on this account to be returned by sending a check in the mail according to 15 USC 1692h There is no contract with myself and ALLY FINANCIAL, IT IS FRAUD.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19114
Submitted Via: Web
Date Sent: 2021-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A