Date Received: 2020-06-30
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I was notified by Ally Bank that a fraudulent checking account was opened in my name even though I have never banked with Ally.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92505
Submitted Via: Web
Date Sent: 2020-06-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-30
Issue: Problems at the end of the loan or lease
Subissue: Termination fees or other problem when ending the lease early
Consumer Complaint: I had a lease with Ally Financial XXXX XXXX ext XXXX on a XXXX XXXX XXXX account XXXX. I returned the car and the bill me {$4200.00}. I have received an offer from XXXX XXXX XXXX XXXX XXXX account for {$2500.00} that I paid on XX/XX/XXXX. I have call Ally over a month to get a paid in full letter or a delation letter to updated my credit report. I'm in the process of purchase a house for my family and this company and reps they have not update the account nor give me my letter request. Every time that I call they promise the letter by fax or email with no results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2020-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/XXXX someone attempted to purchase a XXXX XXXX XXXX through XXXX. They attempted to finance the auto via various financial institutions. A police report has been filed with the XXXX, CA Police Department. They also stated I worked for XXXX XXXX XXXX. They applied for financing at the following banks : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ally Bank XXXX XXXX XXXX XXXX XXXX The individuals that attempted to use my identity entered the following demographic info Phone XXXX XXXX XXXX email XXXX I would like these inquiries removed from my credit report as they are affecting my quality of life.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94541
Submitted Via: Web
Date Sent: 2020-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-29
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: am making additional principal payments, the are still applying interest even though am cuurent on loan. one supervisor stated amount should only applyy as principal reduction. after multiple calls and attempting to pay online, the additional monies are being partially applied to interest although this is to be a simple interest loan with ally financial.
Company Response:
State: TN
Zip: 37066
Submitted Via: Web
Date Sent: 2020-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-29
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Opened two no penalty CD accounts on XX/XX/XXXX with Ally Bank. Funded one with {>= $1,000,000} by having Ally transfer money from my XXXX XXXX account. After that went through, I funded the second account by requesting that Ally do another transfer on XX/XX/XXXX of {$100000.00} from XXXX XXXX. I received an email from Ally that the transfer was successful on XX/XX/XXXX. The timing is important because Ally has a 10 day best rate guarantee and their rates are going down. On XX/XX/XXXX I received an email that there was a problem with the transfer and they are sending the money back to XXXX XXXX. I called up Ally and was told that for some unknown reason the new CD was closed before it was funded so the money was being sent back. I asked to speak to a supervisor and they told me that they could open a new CD but there was no guarantee that I would receive the higher rate I was promised when I opened the CD they mistakenly closed. I asked that they have someone that could fix things call me. They said it would be days before I heard from anyone. So far I have heard from no one. So because of their error, I have lost the higher rate plus a weeks worth of interest on my {$100000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27519
Submitted Via: Web
Date Sent: 2020-06-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-29
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Ally Invest refuses to give me my money back from my investment account. I have had funds in an Ally account since XXXX first and have never been able to invest as I wanted as there has always been an unspecified restriction on my account. Customer service reps claim to be unable to see the restriction on their end, so they have no idea what it's about. Since then I've tried to transfer some of my money back into my personal bank account to pay bills, but Ally continually fails to lift the alleged restriction. I'm told by four different reps that four different departments have worked on my problem -- including the IT department which inexplicably closes at the end of the trading day -- all of whom promise to have the issue resolved by end of day, but to no avail. My account was even completely barred from access all weekend this past weekend, so I could not so much as view it. Today I asked to close my account, but I'm not allowed to speak to someone in the department in charge of account closures. I'm told I can do it myself online once the original restrictions are lifted from my account ... at the end of the business day. At this point, I want all of my money back and my account closed. Finally, it is interesting to note that complaints about Ally Invest have spiked during the virus, according to the XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 186XX
Submitted Via: Web
Date Sent: 2020-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I re opened this because I was unaware of what to do. I have not heard anything back after I submitted the information Ally wanted me to. So a car was opened in my name, I told Ally it could have not been me due to my circumstamces, there is no way I could walk into a delaership and sign some documents to get a car. There was no way I could hve even done that on the phone. I am in the process of trying to buy a house for myself and my daughter, but this is hendering me from doing that. I would like to see this resolved and off my credit. I attached documents of my signature which does not match the contract signature I was sent over by Ally.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45236
Submitted Via: Web
Date Sent: 2020-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In XXXX of 2019, I went in to get an auto loan. The dealership ran my credit and long story short, I left with a newly purchased vehicle. A while later when my credit report updated, I expected only to see one hard credit inquiry, but instead I saw a total of 5 hard credit inquiries added to my report for the same thing. Based on some advice from realtors and colleagues, I should be protected from multiple hard credit inquiries for the same type of inquiry on the same day. The inquiries are as follows : XXXX XXXX, NC XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX, TX Ally Financi XXXX, MN XXXX XXXX, TX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72758
Submitted Via: Web
Date Sent: 2020-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-28
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Ally auto financial granted me a extension on my car loan due to the Covid 19 pandemic. I received a letter stating my loan will be extended for 120 days. Ally did NOT stand by their word. The extension has NOT been applied to my account. I have contacted allys customer service more than 7 times. Each time I was given a different excuse. I was hung up on 4 times, I asked to speak to a manager, I was hung up on. I was shamed for needing the extension, asked if I couldnt afford my car and told my extension should have never been granted and asked who was driving my car. I told the employees each time I had not worked in 3 months due to the pandemic. I have tried everything I know to do to get my extension. Ally has given me their word ( I have a letter ) I could have 120 days without a payment. They are cruel for giving me false hope. If thats not bad enough my credit is being ruined because I cant afford to make my payment due to not working because of the pandemic. I am disgusted a company could XXXX their customers over during a pandemic. They should be ashamed. Their behavior is inexcusable and just straight up cruel.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73505
Submitted Via: Web
Date Sent: 2020-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have about XXXX in an Ally bank account ( https : //www.ally.com ) in both savings and investments for about 3 years now. Recently, since the Covid-19 pandemic they have repeatedly locked me out of my account and requested that I change my login and password on at least three occasions. This has prevented me from getting access to my funds or account statements, and they do not provide me with copies of my paper statements. In addition, I had requested a transfer of XXXX dollars from my savings account to my XXXX XXXX XXXX XXXX checking account and they refused to honor the transaction. This makes no sense because I have frequently both deposited and transferred funds to and from my XXXX XXXX XXXX account. I have not had any issues with my other bank or investment accounts outside of Ally. I believe that they have some sort of IT error with their internal controls because this is the only bank that has given me any issues with accessing my funds. I would like this resolved as soon as possible and would also like information on how to close my account with them. Given the circumstances, I no longer trust them with my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14221
Submitted Via: Web
Date Sent: 2020-06-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A