Date Received: 2021-03-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These credit inquiries are unauthorized and need to be removed from my credit report immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 317XX
Submitted Via: Web
Date Sent: 2021-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I keep an online savings account with Ally bank. For more than a year now, I have had same-day transfers and I utilize the feature several times a month. For no reason in particular, Ally failed to make two XXXX transfers I requested and also a XXXX - show normally instantaneous - then also froze my account. Ive called more than 5 times now. I am a self-employed single parent who just XXXX my foot. I moved as well. I have a XXXX XXXX XXXX for whom I need access to this money so that I could childproof my new apartment, buy supplies and do any number of normal every day things when you move. On my first initial phone call, representative advised me that I made a transfer to a closed account that I have. However, in reviewing the set up of my account myself, I see that there is currently only one option available for transfers and that is my active XXXX checking account. The same is true for XXXX - there is only ONE recipient available! My experience as both an accounting professional and just an intelligent commonsense individual, it looks like their computer systems have malfunctioned, again. Because of their mistake, they took away my same day transfer of cash and Im now stuck with my funds in limbo, having left their account but not yet in my checking with XXXX, which is now overdrawn by more than {$1000.00} across two accounts. XXXX, whom I just spoke to in Loss Prevention claimed all supervisors were in a meeting so there was no one higher to help. This is a computer issue and she cant override it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80209
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15221
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20707
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is unknown hard inquiry on my credit report. Im requested the verification of the inquiry and the method of verification. ALLY FINANCIAL Inquired on XX/XX/2019. This is my second request. For the first time no response came in 15 days. ompanies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated this inquiry.
Company Response:
State: CA
Zip: 92651
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: My husband ( co-borrower ) and I have submitted an application to refinance our current mortgage, which is with Ally Bank, and transfer it to XXXX XXXX ( a/ka/ XXXX XXXX ). When we applied for the refinance, we requested that XXXX XXXX obtain a Consolidation Extension and Modification Agreement ( XXXX ) from Ally Bank, which would avoid us having to pay an additional {$10000.00} in New York State transfer/mortgage recording taxes. These are taxes that we paid when we originally obtained our mortgage in XXXX, at the time we purchased our condominium unit. I was advised a few weeks ago by XXXX Loans that our current lender, Ally Bank, is refusing to provide the documentation that would enable us to avoid incurring these mortgage recording taxes, which could simply be done by assigning them to the new mortgage through a XXXX ( we were able to accomplish this when we previously refinanced our mortgage in or about XXXX ). We never chose Ally Bank as our mortgage lender, as the bank with which we had originally refinanced our mortgage subsequently assigned our mortgage first to one bank, then to another, and finally, to Ally, about one year ago. We should not have to suffer the consequences of being denied the ability to assign our mortgage recording tax via a XXXX when we were never in privity in the first place with the bank that is denying us this ability to save substantially on refinancing costs. We view this refusal as an effort to take advantage of consumers like us. Paying a tax that we have already paid will add to our mortgage principal, which we think is completely unreasonable. Essentially, Ally Bank is holding us hostage to a mortgage at an interest rate that would be reduced substantially if we are ultimately able to consummate the refinance. As we are consolidating our mortgage with a home equity line of credit, the refinance will enable us to save approximately {$500.00} per month. Adding the additional tax amount to our closing costs would require that we incur an unnecessary expense in a year when we are about to send our two daughters to college. In XXXX, I made several phone calls and was bounced from one Ally representative to another, neither of whom was able to address my issue. Instead, I was told that I needed to talk to someone in " Servicing. '' When I was finally connected to Servicing, I was placed on hold for more than 30 minutes and then forced to leave a voice mail message without speaking to a representative, which has, to date, never been returned ( or, if it was, no voicemail was ever left for me to return the call ). Following these efforts, on XX/XX/XXXX, I submitted a secure message to Ally Bank through its website, requesting that they promptly address my issue. On XX/XX/XXXX, they responded that they were researching my claim and would respond within three to five business days. When I followed up again on XX/XX/XXXX ( without having received any response to my inquiry beyond the initial acknowledgment of receipt ), they advised me that they were researching the matter. I am now concerned that I will not be able to close with the favorable rate that has been locked in on our refinance. Ally has failed to adequately address our concerns.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11205
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: My complaint is against Ally Bank regarding a paid in full auto loan. ( attached ) I paid the auto loan off on XX/XX/XXXX. I am still waiting for my title and lien release. I was told it was mailed on XX/XX/XXXX. I have made several calls over the past week and I am getting different information from different representatives ( who by the way are " off-shore '' ). I have also received emails from Ally Bank ( attached ) telling me it was mailed. My latest phone call was this morning ( XX/XX/XXXX ). I was told it will be another 2-3 days. Today is 10 days since I paid in full. The {$4800.00} was withdrawn from my bank account on Monday, XX/XX/XXXX. I have a deposit on this automobile from a buyer who I told that the title was mailed on XX/XX/XXXX - as indicated in an email from Ally Bank. I am totally getting the run around from representatives " off-shore '', who I feel are just telling me what I want to hear.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-28
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I got behind on my XXXX payments with Ally Financial. I was in communication with the company and made arrangements to bring the account up to date. After I spoke to them they started calling all of my family. They called my adoptive mother, my biological mother ( who I did not grow up with ) XXXX of my brothers, my brothers wives all on the same day, and when XXXX of my sister in laws did not answer the phone they called my sister in laws parents. They told my biological mother how they were getting the information to contact all of them. He said he paid for the phone numbers for all of the people that I might be related to our had possible connections to. They called my husbands family as well. They did not disclose the debt but they began asking questions about where I lived, how to contact me, who I worked for etc. which they already had that information. They did all of this on the same day in a mater of hours. My sister in laws live in the same home as their husbands and after they hung up with my brothers they called my sisters in laws phones. This is harassment and should not be allowed. Of course my family would know what was going on when every single one of them were called within minutes of each other. They might as well have told them I was past due. They all speak to each other so everyone knew they had been called.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37167
Submitted Via: Web
Date Sent: 2021-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is not a problem with a payment. Your form just doesn't list my problem. My problem is this, Ally Home Mortgage sent me a Privacy Policy Notice that directs me to their website to OPT OUT of marketing. I have tried numerous times over numerous days to submit this form. Every time the form is submitted, I get an error message. Regulation P requires lenders to provide me a way to opt out of their marketing. And this mortgage company is not in compliance with the law. XXXX XXXX XXXX
Company Response:
State: CA
Zip: 94070
Submitted Via: Web
Date Sent: 2021-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: There are things on my consumer report I wasn't aware of and neither did I apply for them to get credit or anything, I've submitted disputes to the company 's XXXX days ago none of the creditors have shown proof of debt, these are un-verified debts and I would like them removed from my consumer its been over 30 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60402
Submitted Via: Web
Date Sent: 2021-02-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A