Date Received: 2018-07-27
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened a bank account with Ally bank on XX/XX/2018. That same day, I deposited a check from my employer into the account. The check went through and the money was available. On XX/XX/XXXX, my account was locked. I hadn't spent any money or messed with the account at all. I called the bank to figure out what was wrong. An agent asked me to email my passport and a utility bill to XXXX. I sent this information on XX/XX/2018 which was the next day. On the same night of the XXXX, I received a phone call from a woman from the bank. She said that none of my information was able to be verified. I was confused and ask why? She said she was unable to answer the question and just that they have their own ways to verify and that my documents were not good. I was still confused and pressed why and asked what I could do. She said I could send in more documentation. While I was preparing to send, I was still very confused about my passport not being good as I have traveled with it and used it for ID many times. After going back and forth, I asked if I could just somehow get my money out. She quickly put me on hold and came back to tell me she has decided to close my account. I asked why she called for more documents if she wasn't giving me a chance to even submit them anymore. I asked if there was any way to keep it open. She said no and this was just a courtesy call to tell me they were closing the account even though she started the call asking for more documents. I asked how I would get my money which was XXXX {$4800.00}. I had no fees as I had never used the account yet other than depositing my check. She said I would not get my money back. This is the start of my complaint. Why will I not get my money back? She says the bank will give my money to my employer and it is up to them if they want to give it back to me. She said the bank is not responsible to give me my money back. I asked if she could email me some documentation that I could show to my employer to prove that my money was sent to them but she said no. I asked if I could have anything written to prove this conversation happened at all, she said no. This is a lot of money for a bank to just take, or to give back to my employer with no proof that they gave it back or that my employer received it. I was under the impression from my limited research that when banks close accounts, they must return the money minus any fees to the account holder. I didn't owe any fees, so I think I should be returned my money in its entirety. As of now, the bank no longer answers any emails I send and the customer representatives say my account belongs to a woman and I can only talk to her about it. She does not answer the phone and voice mail is not available. They have locked all access to my account so I have no way to access any statements or account numbers. All I have is the original check that I deposited and the emails the bank sent me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2018-07-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have recently started shopping around for an automobile loan. I gave 1 dealership - XXXX XXXXXXXX XXXX XXXX of XXXX, FL - authorization to run my credit report on XX/XX/2018. I received an alert almost immediately that they did so. Today, XX/XX/18, I've received alerts for Hard Inquiries from the following business names : XXXX XXXX XXXX XXXX XXXX Ally Bank XXXX ( XXXX XXXX XXXX XXXX ) I'm concerned that one or more of the dealerships I've communicated with has run my credit without my permission.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32771
Submitted Via: Web
Date Sent: 2018-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-26
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I am a victim of identity theft. Several years ago someone broke into my office and stole several identity documents. I filed a report with the building when it happened and filed a police report after I found that my documents were being used to open accounts in my name. I found that leases in different states were opened in my name with utility accounts, cable accounts and phone accounts also opened. I've attached a copy of the police report and copies of letters sent from apartment complexes that executed leases in my name that I had to dispute, along with letters from other banks that opened accounts in my name and found that it was not me that opened them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2018-07-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: UPON TURNING IN A AUTO-LEASE TERM, FAKE DAMAGE REPORT WAS SUBMITTED FOR PAYMENT? ALLY FINANCIAL finally wrote off the charge but will not remove my DELINQUENT REPORT FOR " 7 YEARS '' which reduced my credit FICO score by 100 points WITH XXXX REPORTING? YOU can't injure a Person 's Credit for " SEVEN YEARS '' [ CHARGE IS " SLANDER OF CREDIT STANDING? & DEMAND COMPENSATION FOR INJURE ]
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33919
Submitted Via: Web
Date Sent: 2018-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-24
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: Ally is a predatory lender i got a lian in 2013 with them they had a settlement against them in 2013 for XXXX and minorities that gpt a loan 2013 i wrote them a letter recently to attempt to settle my loan they cashed the check my interest was 14 percent over a 6 year term they got almost double their money from me i want my title
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15136
Submitted Via: Web
Date Sent: 2018-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-24
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Pd Ally Financial on XX/XX/2018 for the amount of {$1300.00} by XXXX XXXX. They have missed places {$400.00} of my payment. They are telling me it's under investigation. All my accounts are froze, I can't use online account or automated information for its says there is a problem with my account. I have dealt with this almost a month. To make a payment I need to call and speak to a representative.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2018-07-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have several inquiries on my report that I did not authorize.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77459
Submitted Via: Web
Date Sent: 2018-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-23
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Ally is my investor, and I have been attempting to complete a loan modification with my service provider XXXX for over a year. They sent me a loan modification approval but each time I called they never acknowledged it until I sent a compliant to both XXXX and Ally. I was then provided the loan modification trial period which normally is a three month period and I paid for 6 months because they would not send me my final Loan Modification to sign. After I contacted XXXX corporate they then paid attention and sent out my final loan documents for signature In XX/XX/2018. I called XXXX, reviewed the terms, especially the amount forgiven with the HELOC department manager, XXXX XXXX and told him that I would sign the documents and return them. For four ( 4 ) months I called XXXX because their system did not reflect the new terms. I was always given the same answer " we are working on it. '' I finally filed a complaint with the OCC on XX/XX/2018 and was contacted by XXXX XXXX. They have taken from XXXX-XX/XX/2018 to " work on loan update '' and then on Thursday after speaking with XXXX XXXX she informed me that " new '' loan modifications were sent out to me and that she wasn't sure but my forgiven amount was not forgiven and now deferred. She did not understand but when I received them that I should call her with question after I reviewed them. There was no explanation attached but a due date to return the signed documents. I have already signed my loan modification papers and returned them with other terms. XXXX has been unprofessional in handling my loan. There has not been an error in my part and have signed my final loan modification papers. I am attaching : 1 ) Complaint with OCC 2 ) XXXX Loan Modifications papers signed 3 ) XXXX Loan Modification papers just received ( I highlighted the additional deferred text )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-21
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: On XX/XX/2018 I traded my XXXX XXXX for a XXXX ally banked reported the payment 30 days late. With the payout being processed and I received a check for over payment
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2018-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XXXX, XXXX XXXX, XXXX has all violated my rights as a consumer costing millions dollars with inaccurate information trying to fix these items fts and police report has been sent but no action its time to make they pay and hold them accountable please advise the best action should I get a lawyer or should I try to resolve this for the 4 month in a row this will be my last attempt file with the XXXX and XXXX police dept which all companies involve have the report numbeers
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77092
Submitted Via: Web
Date Sent: 2018-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A