Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I am submitting this statement to formally dispute a portion of a payment made from my Ally Bank account through XXXX to XXXX XXXX for septic repair services that were not completed as agreed. I am also filing a complaint regarding Ally Banks handling and closure of my dispute. Transaction Information Recipient : XXXXXXXX XXXX XXXX XXXX Amount : {$3000.00} ( portion of total {$6000.00} paid ) Posting Date : XX/XX/year> Posting Time : XXXX XXXX XXXX Type : Withdrawal Reason for Dispute On XX/XX/year>, I hired XXXX XXXX to repair a failed septic system. He initially quoted {$2000.00} for a temporary repair. After beginning excavation, he advised that a full replacement would be required, estimated at {$9000.00}. We sent XXXX payments of {$3000.00} each ( total of {$6000.00} ) to begin work. XXXX XXXX later admitted he failed to check the existing field lines prior to excavation, which was a critical step. As a result, the work performed did not address the issue, and the system remains nonfunctional. Incomplete Work As of XX/XX/year>, only the following work was completed : Partial excavation of the yard Installation of a septic tank The following essential work was not completed : Installation of field lines Installation of the pump line to the home Securing and covering the septic tank Additionally, XXXX XXXX notified us that the septic tank lid had fallen into the tank and was left open and exposed, creating a serious safety hazard. Misrepresentation and Abandonment On XX/XX/year>, XXXX XXXX stated that the total cost could reach {$30000.00}, more than triple the original estimate. After we attempted to reach a reasonable solution, he refused and abandoned the project. He also charged for a dig permit on his invoice, implying it had been obtained. I later verified that no permit was ever filed or issued. Additionally, the XXXX he claims to operate under is not valid, raising concerns about potential fraudulent business practices. Attempts to Resolve I attempted to dispute the charge directly with XXXX : I was told disputes could not be handled over the phone I was advised someone may follow up within 35 business days Escalation to a supervisor was refused I was directed to contact my bank, which I had already done I have taken the following additional actions : Filed a police report ( Report No. XXXX ) Sent a notarized demand letter requesting refund Gathered supporting documentation including photos and public records Ally Bank Complaint I submitted this dispute to Ally Bank with all required documentation and supporting evidence. However, Ally later informed me that my dispute was closed because they never heard back from XXXX and determined it was authorized and correct. This is unacceptable. I fulfilled my responsibility by providing complete documentation to prove I was scammed out of {$6000.00}. I submitted this dispute on XX/XX/XXXX and heard back on XX/XX/XXXX. XXXX XXXX XXXX to the nonfunctional septic system, we can not remain in the home. This situation has forced us to pursue a short sale, which will significantly impact our credit and financial stability. We have now moved out of that home. Amount in Dispute Based on the minimal work completed, the estimated value received is no more than {$2000.00}. Of the {$6000.00} paid, at least {$4000.00} reflects services not rendered. I am disputing {$3000.00} as part of this claim. Supporting Documentation Provided Written estimate from XXXX XXXX Photos showing incomplete work and exposed septic tank Proof no permit was issued Notarized demand letter Police report receipt and DPOR case number Dispute denial from Ally

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation