Date Received: 2023-05-05
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: In XX/XX/2022, Ally Bank offered customers a 1 % cash bonus on new funds transferred to Ally Bank by XXXX. On XX/XX/2022 I received an email from Ally confirming I had successfully enrolled in the promotion. I transferred {$33000.00} in new money to my Ally savings account before XXXX, and maintained the money in the account through the required time period ( XXXX. ) The bonus was supposed to have been paid by XXXX. To date I have not received the {$330.00} bonus I qualified for, despite having called about it several times. I have been told that the bonuses were not credited as was promised to customers, and that there are so many customers with missing bonus payments that they do not know how long it will take to credit customers the monies they are owed. One Ally rep I spoke with confirmed that I met the criteria and should have received a {$330.00} cash bonus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95409
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
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: I did not consent to, or authorize nor benefit from this account. XXXX and remove it. ALLY FINCL XXXX Balance : {$0.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46077
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Ally financials used my credit in an improper way without my written permission. Ally financials obtained a credit validation application from XXXX dealership for the purposes of financing a XXXX XXXX XXXX. However, when properly reviewing the details of the application it states the applications was specific to XXXXXXXX XXXX XXXX no other entity 's. I have notified ally financial services of there wrongful actions to access my credit report and asked them to remove and to provide proof of the application signed by me with the permission for them to access my credit report. They are willingly refusing to provide me with this documentation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78748
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
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: On or about XX/XX/, I obtained a notification from the credit bureau ( XXXX and XXXX ) that my score had decreased by over XXXX points. This came as a surprise to me because I have always been the type of person who paid ALL of their bills on time and even set up automatic payments, so that I did not forget. Apparently what happened is one of the Ally Financial Auto, who I was paying through automatic payments, took it upon themselves to cancel my automatic payments without notifying me, and then allowed my account to go into default again without providing me any notification WHATSOEVER. Then, after 30 days of the account being in default, they sent a delinquent account notice to the credit bureaus, which then dropped my credit score. I had zero opportunity to make manual payments after Ally Financial cancelled my automatic payment, and was not notified that they were doing this to my account. I have asked for an investigation of this, and even reached out to the company, and the company keeps denying that they were at fault. I would like this to be further investigated and escalated to the highest level possible. It is impossible for a consumer to know that their account has been changed if the company does not do their due diligence to inform the consumer especially if the company also has policies and terms that state they would notify consumers if there ever is a change made to their automatic payments. They also do not provide any information about the company being able to cancel automatic payments on their companies auto pay authorization form, which I have attached also. I have attached copies of their policy. This is horrible business practice, and grounds for fraud. Again, I would like this to be investigated, and will reach out to my local state representative to bring this to their attention as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20902
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Managing an account
Subissue: Deposits or withdrawals
Consumer Complaint: After a thorough review of different CDs available in the market, Ally 's high interest rate as well as its reputation led me to open a new 11-month CD. Upon successful account opening, I linked my external accounts ( XXXX XXXX, XXXX and XXXX ) to provide funds for my new CD. So I have initiated 3 ACH Pulls ( $ XXXX XXXX XXXX XX/XX/29, $ XXXX on XX/XX/29 and $ XXXX on XXXX ) using my Ally account. Immediately after each transaction, I have received a notice indicating that the funds will be withdrawn on XXXX and will be made available on XXXX for XXXX XXXX and XXXX. For XXXX, I initiated on XXXX and the notice indicated that it will be available on XXXX. However, I have found that the funds ( $ XXXX ) have left from my XXXX XXXX and XXXX accounts. However, unfortunately, the funds have never arrived Ally. The answer I receive from customer service is that " Ally has never received funds as those payments failed and my external banks are suspended ''. And I was instructed to work with XXXX and XXXX XXXX to resolve the issue. After the call, my Ally account was blocked. So now my $ XXXX is disappeared and Ally is requesting me to take actions to retrieve my funds back. This is absolutely unacceptable and I request Ally to resolve the issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07087
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX I went to purchase a car and during the negotiation of the car they asked to run my credit, I asked how many times they were going to run my credit which will result in a hard pull on my credit report, they told me that they were going to only do one hard pull on my credit. When I check my credit report I see that I have two credit inquires from ALLY FINANCIAL and ALLY FINANCIAL C/O GMA in which I did not authorize since I was told that the hard pull that they told me about would be for another bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92804
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Dear Sir/Madam, I am writing to file a complaint against Ally Bank for their failure to resolve a recurring issue with my rent payment, which has been flagged for fraud and declined multiple times. Despite my attempts to communicate with the bank and their promise to investigate and respond within 24 hours, I have not received any response, and my rent payment continues to be declined. The details of my issue with Ally Bank are as follows : My recurring rent payment has been flagged for fraud and declined several times, causing inconvenience and jeopardizing my relationship with my landlord. I have contacted Ally Bank 's customer service multiple times, providing all necessary information and seeking resolution. However, the issue remains unresolved, and the bank has not been forthcoming with updates or solutions. Ally Bank promised to investigate the issue and respond within 24 hours. However, they have failed to do so, and my rent payment has been declined again. This situation has caused me significant stress, inconvenience, and potential financial loss. As a customer, I expect Ally Bank to provide efficient and reliable banking services, as well as clear and prompt communication. I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action against Ally Bank to ensure that my rent payment issue is resolved without further delay. I also request that the CFPB hold Ally Bank accountable for their lack of communication and failure to address this matter in a timely and efficient manner. Thank you for your attention to this matter, and I trust that the CFPB will take the necessary steps to help me resolve this issue with Ally Bank. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I accidentally transferred {$25000.00} from my credit union checking account to an already funded CD account with Ally bank on XX/XX/2023. Since the CD was already funded Ally bank supposedly returned the funds back to my external credit union checking account on XX/XX/2023. I still haven't recived the funds. I have contacted Ally bank multiple times with no solution. The last time I contacted Ally, I was told that I would recive the funds by XX/XX/XXXX but still no funds were transferred to my external account. I have also contacted my credit union to see if they can trace where the funds are but all they could see is the money transfer to Ally bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 672XX
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Opened roth ira account. Deposited {$10000.00}. Ally Bank has refused to allow access to the account for nearly a year. Deposit was in a Ally Bank subsidiary LLC account. Ally has no LLC subsidiary account active in the state of Hawaii. Not likely to be able to sue a businiess organization that does not exist. Ally bank in the past has paid out XXXX XXXX dollars for fraudulent representations. The bank is nothing but thieves and not very clever ones.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 967XX
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
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: XXXX is allowing Ally to falsely report my account as 30 days late when I paid on the 29th day. I disputed this two times now and they continue to list my XX/XX/2023 payment as 30 days late on my credit report harming my credit score. I paid XXXX the same way and it has been reported paid as agreed. Below you will find the exact copy from the emails I received from Ally. " Auto account ending in : XXXX XXXX Your payment is now 27 days past due. To avoid negatively impacting your credit, log in or call us at XXXX to make your payment or view other payment options. '' " You successfully scheduled your Ally Financial payment XXXX Auto account ending in : XXXX Payment amount : {$790.00} Confirmation number : XXXX Payment frequency : One-time ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33611
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A