Date Received: 2021-01-09
Issue: Money was not available when promised
Subissue:
Consumer Complaint: On XX/XX/XXXX I initiated a XXXX $ XXXX transfer ( via ally bank ) to XXXX XXXX ( XXXX XXXX ). By XX/XX/XXXX Ally Bank XXXX XXXX XXXX had the {$300.00} transfer. I contacted ally bank and my recipient of the transfer contacted her bank. Her bank which is XXXX XXXX stated that the transfer was rejected on XX/XX/XXXX. Ally bank which is my bank gave me nothing but a run around. Ally stated that they had no liability for the transfer because on Ally Banks side, the transfer was complete. On XX/XX/XXXX XXXX XXXX told XXXX that because the funds were rejected Ally bank should know exactly where the funds are. I again called Ally bank on XX/XX/XXXX and they stated that they had no idea where my money is. At that point, I stated that I would give them 24 hours to produce an answer and if they did not produce an answer than I would send this information to the proper authorities as a complaint. It is now XX/XX/XXXX and I do not have an answer as to where my {$300.00} is.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15102
Submitted Via: Web
Date Sent: 2021-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-08
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: This complaint is about my auto lender, Ally Financial. I had a car accident on XX/XX/XXXX totaling the car. I reported immediately to my insurance company, XXXX. On XX/XX/XXXX, Ally faxed a payoff amount of XXXX to XXXX good until XX/XX/XXXX. On XX/XX/XXXX XXXX paid {$6800.00} to Ally and car should have been paid in XXXX. I did not need my Gap insurance as my car equity was higher and I received from XXXX {$2300.00}. My bills at Ally continued to reflect that I owed {$0.00} thru XXXX, XXXX. In XXXX, Ally sent me paperwork for Gap insurance. I called about this and they said I might be entitled to a refund from Gap. I called the Gap insurance XXXX XXXX, contract GW XXXX ) who said they needed title pay off letter. I called Ally back and they said my account was CLOSED so they couldn't see the account but I still owed {$370.00}!! On XX/XX/XXXX I spent SIX hours on phone with Ally and spoke to 7 representatives trying to work this out. They said they did an " internal investigation '' and decided that I had NOT paid in FULL and that XXXX had NEVER called them and that XXXX had sent them that amount arbitrarily. On XX/XX/XXXX I got a letter from ALLY with a NEW PAYOFF AMOUNT ( for a car that was PAID OFF XX/XX/XXXX!! ) saying I actually owed {$7100.00} not the {$6700.00} they said in XXXX! They starting making collections calls ( 4-5 times a day! ) for said PAST DUE amount in XXXX and reported me delinquent to credit bureaus XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX the called my daughter 's MOTHER IN LAW and MY NEIGHBOR about these charges!?!? At this point I sent a " cease and desist '' letter for contacting me, my family and Neighbors. I do not feel I owe them ANYTHING and this is a scam to get more money plus interest. There are thousands of similar complaints of cars paid off after being total on the ther XXXX page, XXXX and Consumer Affairs. ( I have screenshotted numerous complaints if you would like to this info, too numerous to include here. ) It is horrific how they conduct business and they should be shutdown! I want this charge removed from my account and my credit bureaus notified that my account is current and closed in GOOD STANDING!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19711
Submitted Via: Web
Date Sent: 2021-01-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-08
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XXXX, 2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55448
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX. On XX/XX/2020, ALLY FINANCIAL add a hard inquiry on my credit report per XX/XX/XXXX. On XX/XX/2020, XX/XX/XXXX add a hard inquiry on my credit report per XX/XX/XXXX. But companies 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:
State: CO
Zip: 80013
Submitted Via: Web
Date Sent: 2021-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In XX/XX/XXXX I opened an account with HCS Loans at XXXX. XXXX XXXX XXXX, NC XXXX. Everyone was great, made payments no problem. When Covid 19 happened in XX/XX/XXXX HCS Loans granted me a nonpayment without penalty for three months. Sometime in those three months HCS Loans either filed bankrupt or changed their name to Ally Lending. Ally Lending ( previously HCS ) notified me the payment deferral program the account was ending however, I did not sign any contracts with Ally Lending. Ally Lending ( previously HCS ) informed me documentation was not processed correctly from HCS. I would also state without my permission. Ally Lending constantly informs me of the wrong balance & has not submitted a new contract to me. They are not helpful & are becoming harassing on a loan I did not sign with them. Ally Lending is not honoring their COVID 19 relief by demanding account be brought up to date by XX/XX/XXXX ... The promotional end date was adjusted to XX/XX/XXXX. In order to continue to qualify for the promotion, you were required to bring the account current with a minimum payment amount of {$310.00} by XX/XX/XXXX defeating the purpose of the COVID XXXX RELIEF. Payments will no longer be made on this account until this Financial Institution shows THE PAY OFF AMOUNT OF {$300.00} on the statements which is required by law .... The payoff amount on this account is {$300.00}. Should they choose to not honor the Extended promotional date of XX/XX/XXXX, they can change the name of the company again. The pay off amount was always shown on HCS statements & every other account I have ever held.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32608
Submitted Via: Web
Date Sent: 2021-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21236
Submitted Via: Web
Date Sent: 2021-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XXXX. XXXX, XXXX, XXXX. XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, ALLY FINANCIAL add a hard inquiry on my credit report. But companies 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: OH
Zip: 44112
Submitted Via: Web
Date Sent: 2021-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My loan with Ally was paid in full on XX/XX/2020. I have not received my escrow balance refund. On XX/XX/2020, I inquired with Ally 's customer service about the status of my escrow refund. On XX/XX/2020 I was told by XXXX XXXX, their email representative, that it was disbursed on XX/XX/2020 and to allow 7 to 10 days for it to arrive at the mailing address. When looking at a calendar, XX/XX/2020 was a Sunday when mail isn't processed. The history on my account shows the escrow disbursement is dated XX/XX/2020. When I called back I was told that it was generated on XX/XX/2020 and mailed on XX/XX/2020. To date I still have not received it. When I called again today, I was told that the refund was generated on XX/XX/2020 and the customer service representative named XXXX ( who couldn't provide me with her last name ) said she couldn't tell me when it was mailed or provide me with any mailing information. The information being provided by their associates seems to all be inconsistent. Escrow refunds should be mailed within 30 days of the loan being paid off. Ally is out of compliance and their customer service is very unhelpful to say the least.
Company Response:
State: CA
Zip: 92881
Submitted Via: Web
Date Sent: 2021-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed 20 inquiries that were unauthorized, inaccurate, or made in error. The following inquiries are impermissible : XXXX. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX 6.XXXX XXXX XX/XX/XXXX 7. XXXX XXXX, XX/XX/XXXX 8. XXXX XXXX, XXXX XXXX 9. XXXX XXXX, XX/XX/XXXX 10. XXXX XXXX, XXXX XXXX 11.XXXX XXXX XXXXXXXX , XXXX XXXX 12. XXXX XXXX, XX/XX/XXXX 13. XXXX XXXX XXXX, XX/XX/XXXX 14.XXXX XXXX XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XXXX XX/XX/XXXX 16. XXXX XXXX XXXX, XX/XX/XXXX 17. XXXX XXXX XX/XX/XXXX 18. XXXX XXXX XXXX XXXX XX/XX/XXXX 19. XXXX XXXX, XX/XX/XXXX 20. XXXX XX/XX/XXXX Please remove these inquiries from my credit report immediately. Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : 1. The name and job title of the individual who pulled my credit 2. The date they claim to have received my permission to pull my credit 3. The method they claim that I authorized them to pull my credit Please also attach documentation to support the verification of these claims. Thank you for your prompt assistance with this matter. Sincerely XXXX
Company Response:
State: MO
Zip: 63368
Submitted Via: Web
Date Sent: 2021-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I used Ally bank to submit an ACH pull from XXXX XXXX in early XXXX in the amount of {$1000.00}. The money was withdrawn from XXXX XXXX on XXXX. On XXXX, Ally suspended all my external accounts and told me they were keeping the money ( XXXX transfers of over {$8000.00} ) until I could prove I owned the external accounts. I did, and I was then advised I needed to file a dispute with each individual external bank to get the money returned and Ally could not help me. I filed all complaints and all money has been returned except XXXX XXXX. XXXX XXXX asked me to complete a complaint form and fax that back. I did. I contacted them about a dozen times and today, they told me the complaint was resolved but were not sure why the money had not been returned. I was transferred XXXX, yes XXXX times between the SAME XXXX DEPARTMENTS over the course of XXXX minutes, most of which I spend on hold for each transfer. I asked for a supervisor in the fraud department on the second to last transfer who initiated another transfer back to personal banking. I asked to be connected to the personal banking supervisor and was told they had my info and were ready to answer and assist. I was transferred to their voicemail and have not received a call back. Every time I call, I spend around a half hour on hold and then get transferred. I've already invested XXXX hours of my time trying to correct their mistake. I don't have any more time. I need help or I will have to file lawsuits so I can talk to someone face to face in my hometown courthouse. I have contacted Ally through phone, chat and even dealt with their executive customer support/relations team. They are not returning my call, but did admit it was their fault and they had experienced significant errors and apologized for it. XXXX from the Deposit ECR team said she would contact me on XXXX and did not do so. I left messages on XXXX and XXXX and have not been called back. Since this has occured, Ally has suspended all my external accounts on XXXX separate occasions. I showed proof of ownership to get them back. Then I had to call and get the rest unlocked again after they were still suspended. Now after talking with XXXX, they are all suspended again. I have no idea why and every time I talk to loss prevention department, it takes a half hour and they tell me a different story every time, even if I call the same day about the same issue. They have also restricted my ability to transfer money. Transfers now take longer and I can't even use XXXX. XXXX is supposed to be immediate or same day, but Ally won't deliver any XXXX money for a week because of my account suspensions -- that aren't my fault
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48195
Submitted Via: Web
Date Sent: 2021-01-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A