Date Received: 2023-04-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had an no penalty cd with Ally Bank. They sent me an email offer for an interest bonus program. The bonus was 1 % bonus for a deposit up to {$50000.00} of new money. I elected to take the offer, signed up online with the help of one of their reps. and deposited {$50000.00} of new money into a new account. The money needed to remain there for 90 days and then the bank would pay the bonus on XX/XX/XXXX. When the bonus was not paid, icontacted the bank XX/XX/XXXX for an explanation. They agreed to check and let me know. I checked with the bank again on XX/XX/XXXX and was told they were still checking. I checked back on XXXX and spoke a supervisor. She advised I needed an approving email with a code # to get the bonus. This was the first time I heard about this qualification. I checked back to when the account was opened but couldn't find an email. I explained the account was opened with the help of their rep. and had followed all instructions at that time. The rep I worked with did change my email to get into the account but it was changed back within 15- 20 minutes. I sent the bank this information by email on XXXX and was told they would review and let me know. Their confirmation email indicated 7-10 days for a reply. I waited now 47 days and have contacted the bank several times but they will not provide an answer. I'm tried of waiting and allowing the bank to use my money. Today I have authorized the account to be moved to another bank. However, I met all their requirements for the 1 % bonus or {$500.00}, plus interest from XX/XX/XXXX to XX/XX/XXXX. They can sent the money in the form of a check to my address on file. Thanks for your help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30097
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2022. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30813
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This is in regard to Ally Bank. My partner and I moved back from XXXX, XXXX to the US ( Friday XX/XX/2023 ) and we were looking for a home to rent. We found one and signed the contract ( Friday XX/XX/2023 ), which required us to wire funds to the listing agent 's company ( first months rent of {$4100.00} ) and the new landlord ( security deposit {$4100.00}, last months rent of {$4100.00}, and a pet deposit of {$1500.00} for a total of {$9800.00} ) within two business days. We then initiated the wire from our Ally savings account early that afternoon ( between XXXXXXXX XXXX and XXXXXXXX XXXX ) Ally allowed the first wire but then denied the second. Ally sent me an email to " Call [ them ] to verify some information. '' I called Ally, verified everything they asked ( SS #, name, phone number, both security questions ), and then they said the account was under review and they locked us out of our only savings account. I asked to speak with a supervisor to explain the situation further and said I could send over anything they needed to verify I am who I am ( e.g., video of myself + SS card, driver 's license, passport, contract of new lease, etc. ) Ally said none of that mattered and there was no way they could unlock my account as the process was now going through its motions which would take weeks, but said I can leave a message for the supervisor to call me back within 24-48 hours ( XXXX ). I called again after 40 hours ( Sunday XX/XX/2023 ), asking if I was to receive a call back and the women I spoke to said it's unlikely as supervisors don't work weekends (? ). I informed Ally of the urgency of this request and how us having a place to live was at stake- they said that didn't matter. We have been treated in such a cold and un-empathetic manner. Every time I speak with a representative their top concern comes across as getting me off the phone. This bank has verified all of our information and they are more concerned with protecting themselves from a potential < $ XXXX fraudulent wire ( which it isn't ) than having their 4+ yr member go without a home. In our most stressful moments, Ally Bank has proven their unwillingness to look after their customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 189XX
Submitted Via: Web
Date Sent: 2023-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-15
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I was a co-buyer ( myself and my son ) of a XXXX XXXX Vehicle financed thru ALLY FINANCIAL, using my credit and my son making the payments. I thought I was a co-signer ( later realizing I was not ) and my son and I had a disagreement regarding his late payments, insurance, etc on the truck. I tried to surrender the truck to Ally, but they refused. I later ran into financial difficulties and I had to file XXXX XXXX bankruptcy on XX/XX/2021, it was discharged XX/XX/2021. Ally continued to report late payments and a balance owed on my credit report after the bankruptcy. I contacted them by e-mail a couple times only getting a response stating to call them ( they apparently do not like to supply written responses ). I contacted the credit bureaus ( XXXX, XXXX and XXXX ) and filed disputes. XXXX 's response was that ALLY verified the debt and they kept it on my report.
Company Response:
State: LA
Zip: 71106
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I spoke to Ally bank today stating that my account will be closed due to dispute transaction which they said that I falsely reported after my account being restricted due to XXXX transactions. I filed a dispute for a transaction that I did but never received the item. The representative that I spoke today said that I shouldn't be doing it since I made the transactions and deal with the merchant. He said that theres nothing ally can do with it. I told them that after talking to the merchant and the merchant is not willing to cooperate, the last thing to do is to report it yo the issuing bank which i did. I told them that I also receive a letter asking for information like when did i contact the merchant etc. they have been holding my paycheck and now since they are closing my account for a certain transaction that they misunderstood, i a bound to have no money until they resolve it which i don't know when.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90017
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Ally has a major data breach that is causing thousands upon thousands of customer accounts to be compromised, myself included This leaves victims with no access to their checking account funds while a new debit card is sent. This issue has been going on for several months and Ally refuses to fix or address it. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84401
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I currently have two balances with Ollo Card. Most of my balance is a balance transfer that carries 4.99 % interest until XX/XX/XXXX. The high interest balance has had several interest rate increases over the past year because of the Fed raising rates almost constantly. My issue is that even though I send in payments that are over-the-minimum, the over-the-minimum payments are NOT being applied to the high interest balance, which currently sits at 27.49 % I have not used this card at all since XXXX of XXXX, other than the balance transfer that took place on XX/XX/XXXX. At that time, the high interest balance was {$1300.00}. Since XXXX of XXXX, I have paid {$800.00} OVER the minimum payments, which should have been applied entirely to the high interest balance, but has not been. My current high interest balance is STILL over {$700.00} - {$700.00} according to the XX/XX/XXXX statement. Had my payments been applied as required by law, my high interest balance should now be {$540.00}. I believe that Ollo is purposefully keeping my high interest balance as high as they can so that they can accumulate as much interest as possible. Since the Fed began raising rates, my interest rate has jumped over 5 points which has been very profitable for credit card companies like OLLO. At one point between XXXX and XXXX of XXXX, my high interest balance actually INCREASED by XXXX cents!! How is that even possible when I always pay over the minimum AND I have not used the card since XXXX of XXXX? On XX/XX/XXXX, XXXX XXXX EST, I spoke with XXXX at Ollo customer service regarding this matter. She referred me to her supervisor whose name is XXXX. XXXX told me that this matter would be researched and that I would receive notification of their findings within 30 days via US Mail. I have given them two statement periods to correct this issue and nothing has changed and I have not heard anything from Ollo via email or US Mail. I believe that Ollo Card is in violation of The Card Act of 2009 by not applying every penny of my over-the-minimum payments to the high interest balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27606
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX and XXXX of 2023, I went on a XXXX XXXX. There was an issue with my sail and sign card giving me an error code of XXXX. I went from machine to machine and sometimes it worked fine and other times I received the error code. What I didn't know was every time I received the code, I was being charged. I showed 3 attendants at XXXXXXXX what was going on and they did know what the code meant. When I showed them the error code I was charged XXXX, just for showing them what was going on. I received a print out of my charges and on the 1st day and 2nd day of the cruise I was charged around XXXX to XXXX. Its that did not make. I went from customer service to casino and they printed out a report that said I had charged it. I told them to look at the surveillance video and they would be able to tell what was going on. No one at XXXX or XXXX XXXX XXXX would listen to me and they never would allow me to view the surveillance. I called XXXX XXXX office from the ship and the lady said she would look into it. A few days later the holds were lifted off of my account so I thought everything was good. As soon as I leave the ship they put the charges back on my accounts. I have several credit cards on file with XXXX and they were all charged the fraudulent charges and all of the cards keep putting the charges back on my accounts. Then I will call them again because XXXX keeps sending them the paperwork that says I charged that much. They will not send the surveillance which is what is needed. XXXX XXXXXXXX allowed them to go over my credit limit by XXXX and they are refusing to adjust. I have been back and forth with them all and I am getting no where. This has been going on since the XXXX of XXXX in dealing with XXXX and I have been dealing with my credit cards since XX/XX/XXXX. Nothing is being resolved and I did not make those charges. My credit rating has dropped dramatically and no one will help. This is unfair and I want justice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77571
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Ollo/ALLY has not reported any information re my credit card since XX/XX/XXXX I called Ollo and was told they report every 60 days. I advised it had been longer than 60 days I filed a dispute w credit bureaus. The outcome of those investigations is Ollo/ALLY reported account closed with XXXX balance. Ollo insists they did not report this, however Ollo still as of XXXX XXXX has not reported to any reporting agencies. I spoke with a supervisor today after holding XXXX minutes told me the only way to help is fax the credit bureau info. I did that once in early XX/XX/XXXX to XXXX XXXX XXXX and Ollo claims they did not receive it and told me to fax again which I refused. Supervisor was rude and not helpful. I asked why I need to send info, I'm the customer and being asked to do all of the legwork for months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALL BEING REPORTED TO MY CREDIT REPORT WITHOUT WRITTEN CONSENT, SPOKE with XXXX from XXXX, was unable XXXX help XXXX these reports. According to 15 USC 16816 this is considered identity theft, and Id like for them all to be removed immediately..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A