Date Received: 2020-03-20
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: Opened 4 CDs on/around the time Ally bank offered a bonus promo offer that they would not extend to me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33437
Submitted Via: Web
Date Sent: 2020-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-19
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Ive had this car loan a little over a year now. When I made My XXXX payment I noticed my payment was showing past due. Ive made all my payments ahead of schedule and never missed a payment or been late. I called Ally auto on three separate occasions to resolve this issue. The Ally operators can barely communicate, but did manage to explain my account would be updated to reflect the current status and any late charges would be waived. They were experiencing trouble with their website. That was three months ago and now I cant even contact them online or by phone. I get a message for high call volume and no one responds to my online queries. I am so sick of this kind of treatment. I work hard to be on time to pay my bills and creditors. I dont need predatory companies and tactics, sabotaging and holding my credit hostage. Please help me resolve this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 704XX
Submitted Via: Web
Date Sent: 2020-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-19
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: ON Saturday XX/XX/2020 I agreed to purchase a truck from XXXX. She has an account with Ally Financial who hold the title for the truck ( XXXX XXXX XXXX. The truck had a payoff as of XX/XX/2020 of {$7500.00}. On XX/XX/ XXXX and I sent a cahiers check to Ally financial via XXXX XXXX for that exact amount with a letter directing Ally to send the title to XXXX XXXX/ XXXX and my address. On a phone call with Ally on XX/XX/XXXX we were told that getting the title would take about 3 weeks and we should include a letter directing them what to do with the title. It has now been over six weeks and Ally has not sent the title even though Ally sent a text indicating they were processing the title/lien release on XX/XX/2020.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72601
Submitted Via: Web
Date Sent: 2020-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-19
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Moved to XXXX on XXXX and notified Ally Auto about move, Ally then improperly applied 10.25 % taxes to our bill even though the lease was initiated in XXXX and per the definition of a " retail sale '' the tax does not apply to : " Sales of tangible personal property which property was purchased or acquired by a nonresident prior to coming into the District and establishing or maintaining a temporary or permanent residence in the District. As used in this subsection, the word residence means a place in which to reside and does not mean domicile. '' The sale is determined when initial possession took place at the beginning of the lease : " Sale and selling mean any transaction whereby title or possession, or both, of tangible personal property is or is to be transferred by any means whatsoever, including rental, lease, license, or right to reproduce or use, for a consideration, by a vendor to a purchaser, or any transaction whereby services subject to tax under this chapter are rendered for consideration or are sold to any purchaser by any vendor, and shall include, but not be limited to, any sale at retail as defined in this chapter. Such consideration may be either in the form of a price in money, rights, or property, or by exchange or barter, and may be payable immediately, in the future, or by installments. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2020-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Ally bank fraud department called me on XX/XX/17 to report suspicious activity on my account. The next day I check my account and discovered my balance was {$8800.00} lower. I called Ally to report the incident and spoke with XXXX Employee # XXXX and was advised that they would place an investigation that could take 10 days to solve. Ally bank released funds from my account without my consent or authorization. Ally Dispute # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94606
Submitted Via: Web
Date Sent: 2020-03-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received a later in my school email about a secret shopper opportunity. It said I would receive more information in the mail. A few weeks later, I received a check in the mail with a questionnaire. Before I made the deposit, I called the bank that the check was drawn on just to make sure. The bank employee confirmed it was not a good check. I thought okay maybe they had nothing to do with the school. I did not deposit that check. A week or so after that I received another check. This one was drawn on XXXX XXXX. I called two or three XXXX XXXX banks- and they all told me they could not confirm whether it was a good check ; they told me to deposit it and my bank would go through the check verification process. Then I called my bank, Ally Bank to ask how they confirm checks. They told me the funds would be available within two days. I asked specifically if that is when they would know if it is a good check. I was placed on a brief hold, then said something that did not answer my question, but repeated that the funds would be available in two days. I decided I would deposit the check in a separate bank account that I rarely use and let the money sit for a week so I knew for sure the funds were good. As I was told, XXXX XXXX dollars was available within two days, which was Friday XX/XX/XXXX. Then the entire check became available over the weekend. Still, I let the money sit there because I did not trust that it had been verified. On Monday morning, I went to the store to buy some groceries but when I tried to use my debit card, it was denied with a message that read " not authorized ''. I figured it must have something to do with the check. However, I have two checking accounts with Ally. My primary checking account has my direct deposit and my debit card linked to it. I did not think the bad deposit would effect my primary account. Either way, I knew I would need to call my bank. But obviously, I do work- XXXX jobs and the day went on and I forgot to call. The next day I tried my debit card again. It was declined yet again. I must mention that the account I deposited the bad check in- is not linked to a debit card. I called Ally Bank three times and was put on hold the first time for twenty- five minutes, then over thirty minutes, finally I had time to stay on hold when I got off work and waited almost an hour and a half before speaking to someone. The representative was rude and impatient with me as if this was inconveniencing her. I asked why my account that had verified funds was froze. She said they can do that. I asked why I was not contacted? She said they would contact me in 48 hours even though it was six thirty eastern time in the evening and I called them myself three times. The freeze started yesterday morning before I even made it to work. So the forty- eight hours was running out. I received no call from them nor an email. I have received emails in the past from them and communicated that way. I have been a customer for several years so I did not understand why they would not reach out to me. This would not be so bad if it weren't for the coronavirus pandemic happening presently. So, I needed my funds to get groceries because I was going to be home more. My job is about to change to working from home until further notice. I was told they were doing an investigation and did not give me a timeline of when the investigation would be completed. I have a number of concerns with the way this was handled. First, they were not going to notify me. I called them three times between XXXX and XXXX on XX/XX/2020 and was on hold each time with an estimated wait of fifteen to thirty minutes, although that proved to be false. For them to put a freeze on someone's account that has good money in it, for funds in another account that has bad money, that has not been touched- I don't comprehend. If I wanted to steal the money, I would have withdrawn it over the weekend- when it was available. They suffered no loss because I never touched the money. All they should have done was reversed the deposit and reached out to their long time customer to inquire about the deposit. As you know from this complaint, they never reached out to me, and I am still waiting to gain access to my checking account which receives my direct deposit. I would appreciate it if you would work on my behalf to resolve this matter in a timely fashion and advise Ally Bank to adhere to the bank regulations that are designed to protect the consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28212
Submitted Via: Web
Date Sent: 2020-03-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In response of an Ally Financial Bank letter that I recieve on the XX/XX/XXXX via NORMAL mail ( not 2 days mail or priority mail ). see attach documents. ALLY Financial Bank send me a letter dated on the XX/XX/XXXX with an advidavit form to be filled and to be notarise and stated that if I do not send this advidavit letter/form in 15 days from the date of the letter Ally Financial will report to the credit agencies that this account is legit, Well how the heck do Ally Financial think that in less of 5 day I will do all of this ( from XX/XX/XXXX to XX/XX/XXXX is already 10 days ) ... THIS IS THE KIND OF GAMES Ally Financial Bank is playing with me since day one of my first dispute. For more than 8+ months ( 240+ days ) I am disputing this account direct to Ally Financial and via the 3 credit reporting agencies, requesting any SIGNED contract between my person and Ally Financial and documents that proof that Ally Financial had the right or my autorization to sell all my Confidential Private information to Portfolio Recovery Assosition, as SSN, mail adress, Names, phone number, birthday date etc etc. WELL NOW IF IN 15 DAYS FROM THE DATE THAT ALLY FINANCIAL SEND ME THE ADVIDAVIT FORM/ LETTER REQUEST ( XX/XX/XXXX ) I DO NOT RECIEVE ALL THE REQUESTED DOCUMENTS THAT I AM REQUESTING SINCE 8 MONTHS AGO I WILL NOT HESITATE AND WILL FILE A LAWSUIT AGAINST ALLY FINANCIAL BANK IN MY MUNICIPAL OR LOCAL COURT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07032
Submitted Via: Web
Date Sent: 2020-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: ALLY FINANCIAL has repeatedly ignored and did not verify or validate debt and continues to engage in collection activities on XX/XX/2020, a repossession company moonlight repossession contacted a unknown third party giving out my information and giving third party repossession information. On XX/XX/2020, sent my first letter dispute letter utilizing my UCC abilities in requesting additional information on the account and to this day I have not received no information regarding the documents requested as they state these documents are not legally binding to them attached. On XX/XX/2020, ALLY FINANCIAL received second UCC dispute letter utilizing my ability and requesting documents as well as verifying information. Attached On XX/XX/2020, I sent another letter requesting payment information and the original instrument of indebtedness and to date no verification or document received. Attached. On XX/XX/2020 moonlight repossession hired by ALLY FINANCIAL spoke to a unknown third party regarding me and did not observe the reason they were present and entered the residential address property with no purpose and no contract between me and them. Attempting to collect on a debt for ALLY FINANCIAL. On XX/XX/2020 sent out cease and desist until purported debt is verified and validated attached. Again utilizing my UCC abilities. Ally financial is violating federal codes and ucc code being a financial institution Not marking the account as dispute however advised me Im committing fraud restricted my account and abilities and sending other agencies to harass me. Defamation of character Mail fraud Violation of the fair debt collection practices act Violation of fair credit reporting act All letters sent from me through certified USPS mail
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-17
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I pay a monthly payment of {$400.00} to Ally Financial. In XXXX, I adjusted my recurring payment information to my new Bank. Ally proceeded to take {$29.00} from my old bank, and the full payment of {$400.00} from my new bank, both transactions occurring on XX/XX/2020. Ally Financial contacted me about my overdue payment, stating I owed them {$420.00} for the month of XXXX, despite them owing me {$29.00}. I contacted Ally Financial and they stated that they have no way from their record keeping databases to determine how much funds they have acquired from me for XXXX. They asked that I fax my bank statements to them as proof of their error and stated fax was the only method by which I could send this proof. They were unable to tell me why my recurring payment for XXXX was initiated on XX/XX/XXXX and later cancelled. I am alarmed that Ally financial both pursued collection of {$420.00} when they in fact owed me funds, and could not provide further information, but rather stated that they had no idea from their systems how much money they took from me. It's clear that they have no regard for consumers ' financial well-being.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44136
Submitted Via: Web
Date Sent: 2020-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-17
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Ally Investments put a 60 day hold on my money, they will not issue me a check or transfer my money into my checking or money market acct. I have been trying to talk to someone via phone for the last 5 business days but I am on hold for more than 2hrs without being connected to a human. The number I have to call is XXXX. This is preventing me from buying food and paying bills for my family. Help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 891XX
Submitted Via: Web
Date Sent: 2020-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A