Date Received: 2021-03-09
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Ally Bank charged my savings account two overdraft fees after I tried to empty the account. There are two - {$25.00} debits on the savings account and one on the checking account which put it into a negative balance. Both of these overdrafts were initiated by the bank itself, so the bank is now charging fees to me based on its own overdrafting behavior, not mine. This is absolutely unacceptable. I requested that Ally refund all overdraft fees on my account but they have not obliged.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53105
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. ALLY FINANCIAL Inquiry : XXXX XXXX, XXXX I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33177
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-09
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: XX/XX/2021 Dear CFPB, In its response of XX/XX/2021, a copy of which is attached, to my previous complaint to you, Ally Bank has provided some misleading and inaccurate information. Ally Bank has not addressed the issue that I reported and provided a response to my CFPB complaint that was misleading. The representative who responded to my inquiry provided factually false facts and manipulated the numbers to justify the limits on the payments that I can send using the company service : 1. As an example, the Ally Bank representative stated the following : " on XX/XX/2021, you have scheduled XXXX payments in the amounts of {$1.00}, {$650.00}, and {$1000.00} to be sent on XX/XX/2021 '' The truth is that I scheduled the above mentioned payments months in advance, not on XX/XX/2021 and I scheduled them to be delivered on XX/XX/2021 and not on XX/XX/2021. 2. Ally Bank listed on its website {$5000.00} DAILY limit for XXXX payments, which, unless Ally Bank 's intention was to mislead the customers, means the limit is reduced for a single day, which can explain why my limit for payments to be set on XX/XX/2021 was reduced to {$3300.00}, but it did not and would not explain why my payments on other days on, which I had scheduled no payments would be reduced to {$3300.00}. The screenshot that I had provided in my original complaint documented the limit of {$3300.00} for payments on XX/XX/2021, the date for which I had not scheduled any payments. I clearly stated that date in my complaint and it is not clear to me why the Ally representative overlooked that fact and decided not to respond to the issue that I reported. After reviewing Ally Banks response of XX/XX/2021 I went ahead and attempted to schedule another payment on XX/XX/2021 using Ally Banks XXXX service. I believe that Ally Bank should have sufficient time to investigate my new complaint prior to XX/XX/2021 and clarify why the published limits for XXXX payments listed on Ally Banks website today do not reflect the reality. The attached screenshots show that I am trying to schedule a payment to be sent on XX/XX/2021 and that the limit for the payment is {$2300.00} while the daily limit shown is {$5000.00} and the 30-day limit shown is {$10000.00}. I have no payments scheduled for the day of XX/XX/2021 and my other scheduled payments within a 30 day window of XX/XX/2021 are totaling less than {$2600.00} for XX/XX/2021 and less than {$2600.00} for XX/XX/2021. In addition to that, my total payment activity in the last 30 days using XXXX service was less than {$2600.00}. I would appreciate that Ally Bank provides an explanation how it arrived to the figure of {$2300.00} for the payment limits for XX/XX/2021 and how that calculation corresponds to the advertisements of the service made to consumers. As before, I request that Ally Bank should stop providing misleading information to consumers and the CFPB and brings its documentation and its advertisements of the XXXX payment service in line with the actual limitations it imposes on customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I HAVE ALREADY SUBMITTED THE FTC FRAUD REPORT TO ALLY AND THEY SOLD THE DEBT TO A DEBT COLLECTOR WHICH IS ILLEGAL
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33351
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Lenders would not communicate for a refinance of the vehicle and selling of a vehicle. ally auto lender Reported late on payment of loan when the car was already sold. Needs to be corrected on my credit report because its false information
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94518
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-08
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: This is update on my ongoing /pending complaint on XX/XX/2021 at XXXXXXXX XXXX - I received a voice message from Ally Executive Customer Relation DeptXXXX XXXX stating to return her call at XXXX. Call back at XXXX & specifically ask for her. Rep will IM or email to her. XX/XX/2021 at XXXX I attempted to return her call and informed Rep about the message left. Spoke with XXXX # XXXX MsXXXX XXXX she transferred to me Different dept. Spoke with XXXX XXXX # DMQ- She transferred to me again & then got disconnected. In otherward, I have not been able to speak with the person who called me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48198
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-08
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: In XX/XX/XXXX I requested a {$20000.00} distribution from my IRA at Ally Bank. The check was lost in the mail, and it took over a month for me to get the replacement funds. I complained then about how poorly that entire process was handled by the bank. Now, on XX/XX/XXXX, I received my 1099-R Tax Form for this transaction. This transaction was incorrectly coded as an " early distribution '' on that form. In Box 7 of that form, a Code 1 was used, which designates an " early distribution ''. An " early distribution '' results in an IRS tax penalty of {$2000.00}. This was not an " early distribution ''. I am well past the age of XXXX and 1/2 which is used to determine an " early distribution ''. The correct code should have been 7. I had another IRA distribution from Ally during XXXX and for that they did the 1099-R correctly and it shows a code 7. On XX/XX/XXXX I called Ally and forwarded them copies of the 1099-R 's to point out this error. As of today XX/XX/XXXX, I have no resolution. I have contacted them several times, begging, as I am waiting only for this item to be corrected so I can file my Income Tax return. The responses are generally the same, " still being researched '', wait 1-2 more days, etc ... .. I believe I am being intentionally punished with this error due to my previous complaint about the stop pymt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: To Ally Auto XX/XX/21 To Whom It May Concern, I am writing this letter in regards to a late payment ( or late payments ) reported to my credit report for my { Ally Auto Financial } account. I realize the importance of making payments early or on time, and I also know that paying late makes your job difficult. I wanted you to know that I missed the payment on my account due to financial hardship difficulties, I was impacted by covid 19. Ive called XX/XX/XXXX to see if I can have my payments defer and also today XX/XX/XXXX and representative was unable to assist me Ive been paying what I can }. I am truly sorry for the inconvenience, and I know that this situation is no ones fault but my own. I have enjoyed our business relationship and have made a renewed commitment to paying all my bills on time moving forward. I was wondering if you would be willing to make a goodwill gesture and remove the late payment from my credit reports. If you are able to execute a goodwill adjustment, I can continue building my credit score and remain in good standing with your company. Thank you for your consideration and time, { XXXX XXXX } XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06610
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 435XX
Submitted Via: Web
Date Sent: 2021-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: ALLY FINANCIAL Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX add a hard inquiries on my credit reports. But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10036
Submitted Via: Web
Date Sent: 2021-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A