Date Received: 2020-06-17
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I am a XXXX year old woman but I am not dead. Yet Ally Bank, citing a " public record '', gave " deceased '' and " inability to authenticate '' me as their reason for denying me access to my over {$100000.00} saving account for two months, from XX/XX/XXXX through XX/XX/2020. It was only after a complaint to the CFPB that Ally broke their silence to confirm that this was why they would not speak or answer correspondence. It was also only then, on XX/XX/XXXX, that they announced I could finally access my funds. However, this response neither fully nor altogether truthfully addresses the issue : By XX/XX/XXXX Ally had full and incontestable proof that ( 1 ) I was alive and ( 2 ) the rightful claimant to the account. Why did they make no attempt to correct their monstrous error? Why instead did they wrongfully persist in ignoring me, dishonoring my withdrawal instructions and violating my rights as a depositor for an additional six stressful weeks? By XX/XX/XXXX they had received -- a copy of my current drivers license -- a copy of my most recent electricity bill -- a copy of the CD that matured XX/XX/XXXX which provided the money that they had permitted me to transfer to my savings account -- I verbally supplied correct answers to all personal and security questions on all occasions -- They had as well my addresses, physical and email ( long established and unchanged ), my telephone number, birthdate, beneficiary name, names of linked financial institutions ( including the one that presented my withdrawal instructions ). At any time they could, of course, have easily asked me for additional documentation. BUT THEY DID NOT. Initially they may have had a " public record '' of someone's death but since they haven't disclosed any specifics despite my requests, I have no way of knowing if even that is true. Nonetheless, any such purported record would not, could not, match the facts in their own file about me -- my birthdate, address, even full name ; it could not have been anything other than plainly and irrefutably not mine and certainly not a credible excuse for questioning my existence. In short, once Ally knew I was not dead as well as that I obviously was the " authenic '' account holder, they no longer had any legitimate reason for continuing to deny me my rights and for failing to perform their legal duty. Yet that's what they did. My lost interest ( what I would have earned over and above what the Ally account paid ) amounts to approximately {$270.00}. Ally breached our contract as of XX/XX/XXXX when they were also warned of consequential damages but continued to disregard their duties under the UCC. I hold them as legally liable and I want to be made whole.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2020-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-16
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This company initially offered me a 120 day deferment on my auto loan with them and then when I called back to tell them that I needed the remainder of the 120 day deferment they stated that they were no longer offering that and advised that I would need to make the payment. I advised them that I had not returned to work yet due to COVID 19 and they stated that they feel that they have done everything that they needed to assist me. Then on XX/XX/2020 I received a phone call from someone in the collections department asking why I cancelled the payment online, this person was extremely rude and nasty.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89120
Submitted Via: Web
Date Sent: 2020-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-16
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: XX/XX/XXXX My wife and I purchased a relatively new, but used car, a XXXX XXXX XXXX, It was our first nice vehicle and we made this decision in anticipation of a cross country move. I had just enlisted in my first XXXX XXXX contract with the XXXX and we were moving from XXXX to my duty station in XXXX. We were excited and figured this vehicle would last and be reliable and safe for our XXXX year old daughter. XXXX - XXXX The vehicle proceeded to have issues with the transmission multiple times and only one was covered by warranty. In the wake of a XXXX, multiple training events and preparing for a XXXX we started to struggle a bit financially, and we did have some late payments, but we corrected them with the lender. In XXXX, XXXX XXXX, due to new mechanical issues and a growing family we wanted to trade the vehicle in for something more reliable, something we didn't expect to have to do, however negative equity on the vehicle did not allow for this, and instead had to finance a second vehicle ( different lender ) and it was a major financial strain to make two vehicle payments, especially when this XXXX was nearly inoperable due to the transmission. So we negotiated a voluntary repossession with the local XXXX dealer who understood the situation and would deal with Ally ( creditor/lender ) The account was charged off and the account froze at the 50 percent we still owed. Ally has been somewhat fair, in not ever putting the account in collections, however there has been a fresh charge off every month since, and has significantly impacted my attempts at correcting my credit scores, since the struggle my family and I had experiences while I was in the military. I have disputed them through all 3 bureaus, and they did delete some history, but Ally have still affected my growth and history each month, since most recent charge off is dated for XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 040XX
Submitted Via: Web
Date Sent: 2020-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Ally Bank has been contacted numerous times, dating back to XXXX to establish an IRA, rollover funds from a qualified retirement plan, and disburse funds into my savings account. At every step of the way, Ally has provided misinformation and incomplete information that has resulted in delay after delay in accessing my funds. Despite assurances that the process is complete and I would have funded by the close of business on XX/XX/15, Ally has not provided access to my funds. At this stage, Ally has informed me several times that I have completed all applicable paperwork, yet they refuse to process my IRA distribution request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29607
Submitted Via: Web
Date Sent: 2020-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-15
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have contacted Ally Financial on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, as it relates to my car loan account not being reported to the credit bureaus. It has not been properly reported since XXXX XXXX. I have made signifigantly large payments on my loan which have not been reported. I would like to ensure that my car loan is reported with me owing the amount I currently owe which is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30310
Submitted Via: Web
Date Sent: 2020-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize anyone to use my name or personal information to obtain funds, credit, loans, goods, or services or for any other purpose as described in my complaint. I did not receive and money, goods, services, or any benefit as a result of what happened in my complaint. These Inquiries are unfamiliar to me and I was told to let you know about them. Please delete the disputed items from my credit report within four days as required by the Fair Credit Reporting Act. ALL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXXN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70403
Submitted Via: Web
Date Sent: 2020-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-11
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I paid off my loan the first of XX/XX/2020. After five different phone calls, I still dont have the lien release letter. All Reps to include a supervisor told me its not their fault and to just keep waiting. I havent moved, same address for XXXX + years. I was even told on the last call they would send it XXXX, that was around the XXXX XXXX XXXX. I called today, XXXX XXXX and was told they cant give me the tracking number, to call back another time? Please take a moment to review their XXXX page, countless posts just like mine. They are horrible after you pay off your loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 436XX
Submitted Via: Web
Date Sent: 2020-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: In XX/XX/XXXX my vehicle was stolen and deemed a total loss. On XX/XX/XXXX my insurance company issued payment in the amount of XXXX to Ally Financial. To date they have not applied this payment to my account. Ally Financial has acknowledged receipt of this payment. In addition Ally is now reflecting this account as charged off as of XX/XX/XXXX. The charge occurred after I disputed this account balance on my credit report. I have made multiple calls with no call back. The balance paid by insurance did not cover the full balance of remaining loan so I opened a gap coverage claim. This claim has now been closed being Ally Financial has not provided documents requested by myself as well as gap company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94590
Submitted Via: Web
Date Sent: 2020-06-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have 2 paid collections that are still showing on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28590
Submitted Via: Web
Date Sent: 2020-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Someone stole my wallet and started applying for stuff under my name not my consent. I would like to have it removed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2020-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A