Date Received: 2021-04-19
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: i applied through XXXX XXXX XXXX for a loan through ally they denied me bc they told the dealer im on there fraud list and blacklist and they cant approve any loans, that officialy there denying me for another reason, but that im on a black list and and fraud list i called them and cant get any anwnsers
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2021-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-19
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: For the last several days Ally Bank will not let me access my account they won't give a reason they say call customer service and when I do I get put on hold and they never answer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 448XX
Submitted Via: Web
Date Sent: 2021-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-19
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: ALLY FINCL XXXX XX/XX/2013 {$12000.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75052
Submitted Via: Web
Date Sent: 2021-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Ally Financial is reporting an account against me that they fail to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. The account has late payments being recored against me in Metro 2 in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification of missed payments. Ally Financial wont send any documents, bearing my signature, showing that I have had late payments that follow the rules of Metro 2 and compliance of reporting late payments.. XXXX and XXXX have already removed this account from my credit for Violations against the Fair Credit Reporting Act. Ally Financial also didnt furnish the credit bureaus with the required disclosure, within the period required by law. They are required by law to place a notice of dispute on my account within 30 days of my dispute, which you signed for XX/XX/XXXX. I have retained a copy of their signature and date of receipt, as well as time stamps of my credit reports showing that you violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act 807 ( 8 ) by not placing the disclosure within the required 30 day period. Im requesting Ally Financial delete this account off of my credit reports for good for violations against the Fair Set Collection Practices Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 560XX
Submitted Via: Web
Date Sent: 2021-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was a member of a gym ( XXXX XXXX in XXXX XXXX XXXX ) that I prepaid for an entire year in XX/XX/XXXX. Then, in XX/XX/XXXX, I rented a locker from the gym on a month-to-month rental agreement for the rate of {$35.00} per month. I voluntarily prepaid {$380.00} through their online system in order to not have to pay monthly. However, by XX/XX/XXXX, I realized that I could no longer be a member of the gym, due to logistics and scheduling issues. I requested that the gym cancel my membership and reimburse/refund the remainder of the locker fees ( {$310.00}, calculated as {$380.00} minus {$35.00} XXXX minus {$35.00} XXXX ). The gym ignored me for some amount of time, then stated by email that they considered the locker payment to somehow be a membership payment : " Those 2 payments in question are both considered paid-in-full memberships even though one was somehow applied to a locker. We can not issue refunds on paid-in-full memberships. '' Following this, the gym stated " The best way to handle this is for you to dispute the locker invoices for the months not used, plus I think there was an accidental charge today of {$70.00} while the girl was looking over your account, and I will not fight the dispute if it looks right. '' ( They were clearly just trying to keep the money and make it difficult for me to get it back. ) Subsequently, I filed a dispute with my bank, Ally Bank, stating the same and providing the documentation enclosed with this complaint. Inexplicably, Ally Bank refused to resolve the dispute in my favor, even though : ( 1 ) the gym stated that they wanted me to dispute it with my bank and that they would allow the dispute to rule in my favor ; ( 2 ) the gym 's continued possession of the {$310.00} is a breach of contract and a violation of contract law ( as it was a month-to-month agreement where I voluntarily prepaid for 12 months ) ; and ( 3 ) my bank has an obligation to address issues of fraud and, since the gym made a written admission as to the fraudulent categorization of the monies paid, this dispute involved fraud. Despite all of my best efforts, Ally Bank repeatedly and willfully misconstrued basic facts, duties and obligations, and the law. Even though I haven't had a locker with the gym since the end of XX/XX/XXXX ( having terminated my month-to-month rental agreement ), the gym has unlawfully kept {$310.00} of my money and Ally Bank has refused to act appropriately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10023
Submitted Via: Web
Date Sent: 2021-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-16
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I purchased a XXXX XXXX XXXX in XXXX of XXXX. In XXXX of XXXX I made a lump sum payment amount and started paying the loan weekly. Starting in XXXX, I was unable to make principal only payments until the " payment due '' was paid but was told when I make extra payments that my " payment due '' is still due. This is contradicting. Anyway, once I make the payment in full I am allowed then to make " principal only '' payments. However, I don't believe the payments have been applied correctly. I had to call several times to request my payment be re-allocated to the principal which I'm not sure was ever completed but they are still accepting my " payment due '' When I ask for clarification I am either told the same " law '' with no enforcement of my loan detail with payment or I am told something completely different. Even with email communication or calling. Now I submitted a payment ... ... ... ... ... ... ... again ... ..and now it went towards my " payment due '' leaving me with a partial payment due on the XXXX. I went to pay it in the total amount plus the difference in hoping to pay the difference to the principal. Well again I no longer have the option. My option is to either apply the total amount to principal or towards the next payment. When I try to split the payment to make the " payment due '' then another to apply to the principal it tells me that the payment is less than total amount due in turn not allowing me to complete the total amount due plus an additional principal only payment. In addition to this complaint, every time I've asked for a ledger of payments against principal they tell me they can not produce it but have one time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2021-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-15
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Ally Invest confirmed me that they will not charge me a fee if I close my Roth IRA after 6 month with ally Invest. I open XX/XX/XXXX closed it XX/XX/XXXX. They charged me {$25.00} fee. I contacted them to refund as what they said. They first rejected. I followed up again, they did not reply after I forwarded their email back XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91801
Submitted Via: Web
Date Sent: 2021-04-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-14
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: I financed a vehicle through Ally Financial auto in XX/XX/XXXX. In XXXX, I attempted to change the payment date online from the XXXX of the month to the XXXX. I cancelled the payment for the XXXX and made a payment for the XXXX. They took a payment for the XXXX and the XXXX. I tried to get a refund and was told it takes XX/XX/XXXX business days to send the info to another department and they have XX/XX/XXXX business days to send it to another department who has XX/XX/XXXX business days to send me a check. I contacted my Credit Union and made an unauthorized deduction report. The money was back in my account in 2 days. So, I refinanced the loan with my Credit Union and got a 10 day payoff amount. I went on line and made a payment for the balance the day after the refinance money was in my checking account. I waited for the money to be transferred for about 10 business days and nothing happened. I called Ally Financial and was told the payment was scheduled for XX/XX/XXXX. Why would I get a 10 day payoff amount and schedule it for 4 months later? The person on the phone said I needed to change the date and she would walk me through the process. I kept her on speaker and brought up the account online. When I tried to change the date, the calendar would not change. I had to close the online site and reopen it. And after another few attempts I was able to get the calendar to change. I then asked why the payoff amount was more and I was told there was a XXXX dollar a day charge which added to the balance. This is the most difficult financial group I have ever had to deal with. Why would anyone get a 10 day payoff amount and schedule the payment for XXXX? My experience times a few XXXX more means big money for them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48221
Submitted Via: Web
Date Sent: 2021-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-13
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2021, I was informed formally by Ally that a checking account I had for almost 10 years was closed. During that span I've had as much as {$50000.00} in the account. At the time the account was closed, I had a balance of over {$12000.00}. Ally had provided no concrete explanation of why the account was closed other than " based on recent activity your checking and savings account will end this relationship ''. They not only closed my personal checking account, but also 3 minor savings accounts which belonged to my daughters. My childrens accounts have little if any activity going on in their accounts with balances between {$300.00} and $ 4,000+. The only issue may have been that my name was on it as a custodian. In my personal checking account which was closed, the only unusual activity was the fact that I made a dispute of 2 charges of {$9.00} a piece. Based on the Consumer Fair Credit Act, I have the legal right to dispute charges on my account. Over the past 2 years I have made no deposits that were returned NSF, nor have I overdrawn my account. My monthly acitivity is roughly 20 transactions a month. I have 3 direct deposits month, one from Social Security and two from Illinois Department of Employment Security. I first became aware that my account had been frozen on XX/XX/XXXX when I tried to make a purchase at a fast food resturant. I was told my account was closed on XX/XX/XXXX when I called to inquire why my card was declined. Even though I was told it was closed on XX/XX/XXXX, there were other transactions that happened in my account, including one deposit and 6+ withdrawls. I was told that a letter had been sent out to me on XX/XX/XXXX. To tell you the truth, I had been told by more than one representative over the next several days that a letter was sent out explaining to me why the account was closed. Those statements were blantantly false. I only received an email dated XX/XX/XXXX stating that the account had been closed on XX/XX/XXXX. The letter they claim was mailed out to me would have the information on why my account was closed was never received by me via USPS. Only the XX/XX/XXXX email alluded to the fact that they did not like the way I handled my affairs. On XX/XX/XXXX I again contacted Ally and was eventually was told that no letter had ever been mailed to me. He then informed me that an internal email was sent out to me on XX/XX/XXXX, something that no other representative had informed me of the pending closure of my account. To get to this email, I need to click on Tasks, then click on More Tasks, then click on Notices before I could then view the notice they sent me of the impending closure that was supposed to take place on XX/XX/XXXX but did not happen until XX/XX/XXXX. They really hide this notice very well. Ally provides no indication that there was an email that I need to search for. I only became aware of that notice after several calls with Ally, no one told me of that notice until my phone call to Ally on XX/XX/XXXX. Ally supposedly gave me a 2 week warning before the account would be closed, which actually did not happen until 26 days after supposed notice. I found out that it takes 6 weeks for Social Security to update and switch over my direct deposits. On XX/XX/XXXX, my Ally account accepted a direct deposit from the Social Security Administration. After seeing that they accepted my SSA deposit, I made an e-deposit into my Ally account on XX/XX/XXXX because it appeared my account was still active. Ally accepted the deposit and stated they would notify me whether or not the deposit was accepted. No email was ever sent to me either way on the status of this deposit. When I talked to the representative on XX/XX/XXXX, he could find no records of that deposit being accepted or rejected. I would like to know what happened to my money because it was not returned to me when they closed out my account. The information provided to me by several different representatives has been very inconsistent. I was told several times that an explanation letter had been sent out to me which they could not discuss. On the afternoon of XX/XX/XXXX I spoke with a representative and was told a supervisor would call me back. She did at XXXX XXXX CST while I was in the shower. I asked her to call me back in 3 minutes. She did not return the call until XXXX XXXX. By then I had gone out for dinner. I called back the next day and talked with a different supervisor. He told me they would review the situation and would call me back within 3 business days. I received no such phone call. When I called on XX/XX/XXXX, that reprsentative said he saw no notes that anyone would get back to me. When I call Ally, the recording tells me that these calls are recorded for my protection. I would like these phone calls pulled out to substantuate my claims on how Ally misinformed me on the status of my account. On XX/XX/XXXX I received a notice from XXXX that my payment from my Ally account was rejected. On XX/XX/XXXX Ally paid out 2 other charges of {$260.00} and {$100.00}, and one check for {$280.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2021-04-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I scanned a check for {$5500.00} into my Ally Bank XXXX Account on XX/XX/XXXX before XXXX thinking my money would be available in my account that day because that is what is clearly stated on their website and in the app. I did not see anything in my account so I waited until Monday to reach out to Ally Bank to ask about the status of my funds, they then told me I would not see the funds until Friday XX/XX/XXXX - 7 days after I scanned my check via the Ally Bank App. The ONLY reason I scanned that check into Ally Bank is because it clearly stated my money would be in the account same day. I needed my money in that account because I have XXXX dollars until I get paid on Friday XX/XX/XXXX and I can not currently liquidate my $ XXXX investment account I have with them. So now I have no money, I just over drafted again, and I no longer need that check in my account to cover because I get paid that same Friday XX/XX/XXXX. I only needed that check in my account to cover for this week XX/XX/XXXX - XX/XX/XXXX. I have tried to get them to release my funds numerous times but they just keep telling me there is nothing they can do about it. How is it legal for a bank to hold up MY FUNDS for that long when I absolutely need the money?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45140
Submitted Via: Web
Date Sent: 2021-04-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A