Date Received: 2017-07-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: unauthorized person withdrew money from my savings account on XX/XX/XXXX, 2017 from Ally Bank/XXXX XXXX, XXXX.
Person of interest is an employee.Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48214
Submitted Via: Web
Date Sent: 2017-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I recently purchased a car from a dealership. I went with a preapproval letter from XXXX XXXX with the intent of getting a loan from that credit provider. At no point did I authorize any other bank to run a credit inquiry. I did authorize the dealership to run my credit once on XX/XX/17, because they told me that I had to in order to purchase the car. Unfortunately the car dealership proceeded to allow several banks to run my credit resulting in over a 60 point drop in my credit score. The dealership told me that it would only be counted as one hard inquiry since it was within 14 days, but XXXX stated that in fact is not the case. Nothing else has changed on my ( XXXX ) credit report since my credit pulled a little over a week ago. As I plan on purchasing a new house within the next year, I am unable to wait for all of these inquiries to fall off of my credit report. So far I have contacted XXXX XXXX who said that they would not be able to provide a letter for me to submit to the credit bureaus to have this inquiry removed. They stated that they got permission from the car dealership to run my credit and would not be able to assist me in removing this from my credit report. I did not authorize the car dealership to allow XXXX XXXX to run my credit. Other banks that have run my credit without my authorization include : Ally Financial inc, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX via XXXX XXXX, XXXX XXXX, and XXXX XXXX via XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53218
Submitted Via: Web
Date Sent: 2017-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Ally Finan I Inquiry fromXX/XX/XXXX Institution Information Ally Finan I XXXX, MN XXXX ( XXXX ) XXXX Hard inquiries generally occur when a financial institution, such as a lender or credit card issuer, checks your credit report when making a lending decision. They commonly take place when you apply for a loan, credit card or mortgage, and you typically have to authorize them. Hard inquiries could lower your credit score by a few points and may remain on your credit report for two years. Fortunately, as time passes, the damage to your credit score usually decreases or disappears, often even before the hard inquiry falls off your credit report. I have no knowledge of this account nor why they were checking my credit score. Please erase this inquiry. Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33160
Submitted Via: Web
Date Sent: 2017-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Ally Finan I Inquiry from XXXX XXXX, 2016 Institution Information Ally Finan I XXXX, MN XXXX ( XXXX ) XXXX Hard inquiries generally occur when a financial institution, such as a lender or credit card issuer, checks your credit report when making a lending decision. They commonly take place when you apply for a loan, credit card or mortgage, and you typically have to authorize them. Hard inquiries could lower your credit score by a few points and may remain on your credit report for two years. Fortunately, as time passes, the damage to your credit score usually decreases or disappears, often even before the hard inquiry falls off your credit report. I have no knowledge of this account nor why they were checking my credit score. Please erase this inquiry. Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33160
Submitted Via: Web
Date Sent: 2017-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-07
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Ally Financial continues to call me several times a month ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to collect on a debt that is the responsibility of my ex-wife. They have called my acquaintances asking about her and asking to collect on her debt. I have explained the situation to them many times and asked them to stop harassing me and friends of mine. They are very rude, hostile and abusive.
I never signed a contract for this loan, it was completed by my ex who has lived in a different state for several years. Ally did not do their due diligence in approving a loan without my consent, signature or knowledge of the loan. They did not question the identity of the person who signed the loan.Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98512
Submitted Via: Web
Date Sent: 2017-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I did n't make this charge. I 've never heard of this company and never received anything from them. XXXX XXXX, 2017 XXXX XXXX, XXXX - {$1000.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2017-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-05
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: XXXX, 2016, I was wrongfully terminated for filing a discrimination complaint. Due to being denied unemployment for such complaint, I hit financial hard times. Ally Bank offered me an extension which I agreed too. Less than a week later a collection department representative contact my co-signers place of employment and harassed them to the point that they terminated her. I contacted Ally and finally after several attempts started working with XXXX XXXX/Customer Service. A short time later my car was repossessed. XXXX XXXX worked and got the care returned to me while working with my complaint about the wrongful collection efforts that had happened to my co-signer. He stated that the repossession was a computer error on behalf of Ally. I landed a job and while at work I was contacted by a collection person and informed that I had to get my payments caught up-they extended to me another extension. I signed and faxed it to the number that I was given as well as made the out landish requirements for the payments. While at home getting ready to return to work, I hear a horrible noise in my driveway, they are repossessing my car again, I run and stop the tow truck driver, requesting to get my medical stuff out of the car, he agrees if I will surrender my keys to him. I go back in the house to call Ally/XXXX XXXX and I hear this horrible noise again, I rush outside and the tow truck driver has drug my car across my yard jumped the curb damaging the front of my car and is dragging it down the street with the front end scraping the ground. I left several messages for XXXX XXXX and talked with several people including in the XXXX. No body could assist me or simply did not want too. I finally called the police department, they had no record of a repossession at my address. I finally talked with a lady in the " retention department '' from the XXXX. She informs me that I have to pay over a 1000.00 to get my car back, she does not listen to my explanation and confusion but does give me the name of the repo company ... no number or address was provided. I finally locate them. I am instructed to bring my keys to get my belongings out of the car ... .it is XXXX XXXX Texas . Upon arriving, I am treated like a criminal, they take my keys, have me sign paperwork through a protective cover glass window, I ask for a copy. Upon the lady 's return, she hands me my copy and tells me that they have removed the contents of my car and they are out front in bags and that I will not have access to my car. Finally after several days, I finally receive a call from XXXX XXXX, after two weeks I finally get my car back, only to have lost my job. I have complained endlessly, I have provided pictures of the damages to my car, the ordeal that I have been put through and to date nothing has been done to Ally costing my co-signer her job based on the rude and unprofessional threats that they made to her employer. Due to a job change or promotion or even his health, XXXX XXXX was transferring my complaint to another customer service agent, XXXX XXXX. He has not returned my calls or cooperated with the BBB or Attorney General 's office and has done nothing to resolve my complaint or pay for the damages to my car during the repossession. I have provided him with documentation, pictures etc. Documents and pictures are available upon request to support my complaint to your offices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75068
Submitted Via: Web
Date Sent: 2017-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-05
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/XXXXXXXX at XXXX XXXX I received a call from Ally Financial regarding my car payment, I informed that was n't able to make payment at that moment and would contact back at a later date. On the same exact date they contacted again at XXXX and left a message regarding the payment and again at XXXX. I know that they cant contact me again after a message has been left. When I informed the rep of my knowledge he explained to me that the automated dialer had called my number. I informed that there should have been some form of notation that a message was left. I also asked the rep to speak with a rep from the United States of America because there seemed to be a language barrier and the rep asked why, I then informed the rep of why and he continued to say that he was trying to help and basically was trying to force me to make the payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30180
Submitted Via: Web
Date Sent: 2017-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-05
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I purchased my XXXX XXXX XX/XX/XXXX, 2013, at the time of the purchase Ally Financial Inc. and Ally Bank ( Ally ) was the bank who offered me the fraudulent loan on my vehicle. As an XXXX XXXX female borrower, I believe there was predatory lending involved in my loan and I paid a higher interest rate and continue to pay unusually higher fees for my auto loan because of Allys discriminatory pricing system.
Though at the time it did not all come together over the life-time of my loan I have bean to see that was charged and interest rate that was significantly higher and the loan continues to report inaccurately regarding late payments. When I make my on-time payments to Ally they tack on this exorbitant fees that they classify as late fees. But the payments are not late. I continue to be overcharged because of of my race and gender and am a victim to a very sick system that continues to violate the rights of people of color and women across the country. When I financed the purchase of my XXXX from the auto dealership, the dealer facilitated indirect financing through Ally. Ally set a risk-based interest rate, or buy rate, and then allowed XXXX to charge me a higher interest rate when they finalized the deal with me. This rate was solely based on my race and gender. The ECOA prohibits creditors from discriminating against loan applicants in credit transactions on the basis of characteristics such as race and national origin. Allys discriminatory pricing and compensation structure has caused me severe damage on my credit report. I have paid for the car almost two times over at this point and still owe {$13000.00} after 4 years of consistent payments. I have attempted several times to clear this up with Ally and to get the erroneous errors on my credit removed and the loan updated or removed and they continue to attest that I am wrong. Ally you are thief and a predator. You pray on women and minorities and this can not go unpunished. I am writing to have all derogatory items removed from my credit report and the fraudulent auto loan be paid in full.Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02119
Submitted Via: Web
Date Sent: 2017-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-05
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I opened an 11-month CD amounting to {$100000.00}. However, 2 withdrawals ( {$100000.00} each transaction ) were taken from my source account at XXXX XXXX. I have already reached out to several customer agents almost daily since it happened. Several agents have stated that double funding happens many times previously. Here are the chronological events : XX/XX/XXXX - opened 11-month CD and followed the online form ; XX/XX/XXXX - received call from XXXX fraud department about withdrawal and told them I opened an 11-month CD at Ally XX/XX/XXXX - funds were withdrawn from XXXX XXXX and deposited to Ally XX/XX/XXXX - email from Ally requiring verification of XXXX trial deposits made to XXXX XX/XX/XXXX - email from Ally indicating XXXX funds can be transferred XX/XX/XXXX - email from Ally at XXXX XXXX indicating that deposit was made XX/XX/XXXX - not sure what this was so logged in to Ally and only saw {$100000.00} on transaction history ; XX/XX/XXXX - logged into XXXX XXXX and saw another {$100000.00} withdrawn from account ; XX/XX/XXXX - called up XXXX around XXXX XXXX EST and spoke to Ally ; described the problem and she questioned if amount was indeed withdrawn from XXXX which I mentioned to her as she can not see any transfer on my account ; set up conference call with Ally ( agent is Ally ) and XXXX ( agent is XXXX ) ; discussed the issue and XXXX confirmed that funds were withdrawn ; she tried reaching the transfers department but no one was answering the call ; requested to escalate or raise the issue asap ; was told to call back the next day, asked her if she can follow up but was told she is not working the next day so I have to call. No resolution made.
XX/XX/XXXX - called Ally around XXXX XXXX and spoke to a male agent ( can not hear name correctly but he is from XXXX center ) ; described the problem and mentioned about discussion with Ally the previous night ; told me that he can not see any transfers so told him on my Ally dashboard, on snapshot, I click on CD account and it shows the Transaction history ( see attached ) ; on the Transfers menu, go to Activity, click on the description and you will see the money withdrawn on XX/XX/XXXX ( see attached ) ; agent kept saying that he can not see the transfer number even though I told him about the Ally dashboard ; agent even insisted I did something wrong when I opened the account as he had seen this happened numerous times. If this has happened repeatedly, then something needs to be investigated as this was not the desired action! Was told that it takes 3 days to receive the transfer and money will be sent back to XXXX XXXX and will take another 3 days to receive it. That is minimum of 6 days money movement without earning interest on either bank account. I opened a Cd with Ally because I wanted to earn more money, not to lose money! Requested to talk to transfer department as this was what Ally from the previous night tried to do. Was told it can not be done. Requested to raise or escalate this issue and was told nothing can be done. Was put on hold for several minutes and was told that nothing further can be done. Very upset about this conversation as he kept insisting that I made a mistake! Told him that after trial verification of amount, the deposit was triggered. No resolution made. Asked me to stay for a survey but after the call ended, line was disconnected and no survey to do as he knew it will be negative outcome! XXXX XXXX - online chat with XXXX. Explained the problem and was told that she can not see the transfer. Told her the same dashboard will show the transaction history and in process transaction mentioned above. Was told that money will be returned after receiving and will take about 3 days to be received. Was told nothing can be done. Requested to raise or escalate the issue. No resolution made. XX/XX/XXXX - I spoke to another customer agent, XXXX, and told him that since the double funding has occurred, to DEPOSIT the incoming funds to a new CD which he opened today. I was told that he did put a note in the system regarding this. XX/XX/XXXX Received email from customer care, XXXX, and referenced the email I sent on XX/XX/XXXX. No reference made to the other emails sent following that. The email stated to call Ally with the reference number stated on the reply email. XX/XX/XXXX I saw that the in-process funds transfer for the XXXX withdrawal has the status change to process completed. However, I do not see the funds go to the new opened CD. I called Ally and spoke to a customer agent, XXXX, and had no update ( the agent spent considerable time looking at my email correspondences ) regarding the cited reference number mentioned on the Ally reply email dated XX/XX/XXXX from XXXX. To make the matter worse, the Ally customer agent hanged up the phone in the middle of the conversation! XX/XX/XXXX Called up Ally and spoke to another customer agent, XXXX ( from North Carolina ), and put me on hole for several minutes. When she came back, she told me that I transferred 2 funds which I corrected her by stating that I never initiated the 2 transfers but that Ally made the double withdrawal from my account as I mentioned to her at the beginning of the phone call. She then said that the funds were received today which I corrected her again and said the transfer status for the funds were completed yesterday, not today. The agent then said that the funds was rejected and generated an error since the CD was already funded. She then said that the funds will be sent back to XXXX XXXX later today and will take another 3 or more days to receive. Based on all the correspondences above, I still do not have the funds and have lost interest from XX/XX/XXXX XX/XX/XXXX ( according to what the last agent said when I can possibly receive the funds ). If I had done the same type of error, I would have incurred a series of penalties. At this point, how will I recover all the lost interest on this money as Ally made an error withdrawing the funds twice.Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2017-07-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A