Ally Financial Reviews

I signed up for an Ally account about a month ago, and I use it to redeem my game winnings because the game suggested them as acceptable in banking institutions. So I've transferred two separate payments of $100 into my Chime account, which was connected to Ally by Plaid.

Then I went to Ken. I went to transfer my third hundred-dollar payment, and the transfer was allowed. Then, after the transfer was initiated, Ally locked my account, supposedly because of some login activity that doesn't look like mine. Now the money is mine.

I've proven that it comes from a legitimate website. It's going to my Chime and my connected Chime account, so that's verified and connected by Plaid, so there shouldn't be any issues there. Plus, I did a third-party verification for the Chime account. They refused to unlock my account, and they refused.

They took the money back that they had already started to transfer, and they took it back and locked it in the account, and they refused to give it to me. I live on a fixed income. I need that money, and every time I call, they tell me they’re escalating it, but every time I call, there's no new information. Nothing's been done.

This has been going on for over a week now; they're just sitting on my money.

I called, and mysteriously my security question has been changed. I believe that Ally Bank is trying to take my money.

This is an update on my previous review for Allied Bank. I was unable to add it for some reason.

Now Ally Bank is claiming that they found they have reason to believe that I am not the owner of the external bank account linked to the Ally account, which I absolutely am, verified with my ID and my Social Security number; that is my Chime account connected to them. So they are clearly doing and moving in dishonest ways, and now they've harassed my Chime account, so I'm having difficulty using that. Ally Bank are bullies. They just want my hundred dollars.

They don’t want me to transfer it out of their bank. If that was the case, then they need to afford me a virtual debit card so that I could use the money, but while it's sitting there, they still have—now I still do not have a debit card, so I have been unable to access the money once it goes in the Ally account, and that’s exactly how they like it.

It's highway robbery. If they continue to harass me and cause me difficulties dealing with my external accounts, which, by the way, all of which are mine and verified with my ID, then if they continue to harass me, I'm gonna have to seek legal counsel.

I would like to report ally loan financial. We have my acc 228056****35

I tried to get contact auto loan manager is about my account all time i called they transferm my call Phillipines country, after 1hours in the call their transfer texas , *** asks the call and all representative refused and block my clients rigths and my civil state and fedrral rigth.

I continnue pay the loan , i requested remove the name my daugther ***.please help me .

This is big problem. My cell *** if you donot call me and resolve it , i am going to reported your company with ca agencies.

Dear Sir or Madam:

I have a car note with you. I live with a permanent disability as I was unfortunately hit by a drunken driver 43 years ago and almost killed.The note is account ***.

My credit score was low when I had to buy this car because my previous car was totaled by a deer.

This note was $759 a month and everyone said it should be renegotiated. I work with Insurance, Doordash and. UPS Roadie doing deliveries and sales, but the first part of the year was a bit slow, which I did not anticipate.

I called and made arrangements to catch up, and was paying almost $200 a day as I could. Even with that, one of your CSRs decided to repossess the car.

I told him I had a disability and he didn't understand the legal protections I should have been afforded. Had it not been taken, the note would be curent by now in all probability.

I need your help to stop this potential sale and help me. I have 2 checks coming in. One is from Farmers for $3400 and the other is from the Barrentios family in SC for $3192.

I respectfully ask that you work with me to save this car because it is my only car, I am disabled and his is a mobility issue.

This has been a hardship situation and I am also 61, and in ***, am consiered an "at risk adult." I look forward to your response and help.

If your department is unable to help, please forward this to whomever at your bank can help. Thank you.

To whom it may concern: This letter serves as formal notice that I am aware of your improper and potentially illegal actions concerning the above-referenced account. It appears you may be attempting to re-age this account or misrepresent it.

It is listed as a loan extension. As you are aware: 15 U.S.C. § 1681c(a)(4) of the Fair Credit Reporting Act (FCRA) prohibits the reporting of accounts placed for collection, charged off, or otherwise delinquent that antedate the report by more than seven years from the date of first delinquency (DOFD) that led to the charge-off or collection. The date of first delinquency (DOFD), as reported to credit bureaus, cannot legally be reset by any subsequent activity, including payments, promises to pay, or collection activity (FCRA § 623(a)(5); 15 U.S.C.

§ 1681s-2(a)(5)). 15 U.S.C. § 1692e of the Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using any false, deceptive, or misleading representations, including misrepresenting the legal status or age of a debt. Relevant Legal Precedent Alston v.

United Collections Bureau, Inc., 2014 U.S. Dist. LEXIS 102271 (D. Md.

2014) Attempting to collect on a time-barred debt without clear disclosure may violate the FDCPA. [PERSON_NAME] Capital Credit & Collection Services, Inc., 460 F.3d 1162 (9th Cir. 2006) Misleading a consumer about the enforceability of a debt violates the FDCPA. NCO Financial Systems v.

FTC, 2004 FTC LEXIS 56 (FTC 2004) The FTC found that furnishing inaccurate 're-aged' account information to credit bureaus violates the FCRA. My Demand I hereby demand the following: Cease all attempts to re-age or misrepresent the date of first delinquency or legal status of this account. Provide written confirmation that you have corrected any inaccurate information furnished to credit reporting agencies and that you will no longer attempt to collect or report this debt. Cease all collection efforts.

Recision of contract and refund of all illegal collection amounts. Consequences of Non-Compliance Should you fail to comply, I will not hesitate to again File complaints with the Federal Trade Commission (FTC), Consumer Financial Protection Bureau (CFPB), Pursue legal action under 15 U.S.C. § 1681n (willful noncompliance with the FCRA), 15 U.S.C. § 1681o (negligent noncompliance), and 15 U.S.C.

§ 1692k (FDCPA), seeking actual damages, statutory damages, punitive damages where applicable, attorneys' fees, and court costs. Please consider this your final notice. I expect a prompt and lawful resolution of this matter. Sincerely, [PERSON_NAME] PS.

I am adding this because a debt validation and settlement in writing was requested from three different employees: [PERSON_NAME], [PERSON_NAME], and [PERSON_NAME], who each stated Ally Financial does not provide debt validation because a verbal settlement was made without a meeting of the minds and never furnished in writing. We requested over five times to speak with the supervisor with no call back. Even though later denying a settlement existed. After the initial contact by phone from [PERSON_NAME] in July of 2024, a 15 U.S.C.

1692g was never sent within that 5-day initial contact window. We have also faxed and emailed documents to Legal. [PERSON_NAME] has engaged in misrepresenting the title of a vehicle to DMV after a total loss. Illegal credit reporting and internal date of charge off.

Misrepresented gap coverage on vehicle. Violated its own internal policy on funding vehicles with frame damage. The whole risk should be investigated for fraud.

No documents were signed on 10/09/2023 under [PERSON_NAME] by myself or registrant and insurer [PERSON_NAME]. 10/07/2023 agreement # 228308****97 VIN: {{Redacted}}