Date Received: 2023-04-13
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: A hotel reservation was made in XXXX for XXXX XXXX Maryland. On XX/XX/XXXX, the reservation was canceled and a merchant return for the amount of {$740.00} was sent to my Ollo XXXX on XX/XX/XXXX. Ollo XXXX is holding the money as a pending and they are telling me it takes 30 days for the amount to post back to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Getting a loan or lease
Subissue: High-pressure sales tactics
Consumer Complaint: Good Evening in accordance with the Fair Trade Act, the account ; Ally Financial : XXXX - has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish my account without my written instructions. ! 5 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Ally Bank has retaliated against me for filing a complaint with CFPB and FDIC. After months of failing to address unauthorized withdrawals from XXXXne of my six ( 6 ) accounts and shortly after my complaints to the CFPB and FDIC about multiple unauthorized withdrawals, Ally Bank sent me a notice on XX/XX/XXXX ( dated XX/XX/XXXX ), that they are closing all my accounts on XX/XX/XXXX. This is blatant retaliation for my filing of a complaint with the CFPB and the FDIC. See their letter attached to this complaint. ( It should be noted that Ally has returned all unauthorized withdrawals. )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 032XX
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: Managing an account
Subissue: Banking errors
Consumer Complaint: I am a customer of Ally Bank ( FDIC # XXXX ). On XX/XX/XXXX I enrolled for an offer from Ally. The offer stated that I would receive 1 % cash bonus on new money moved into my selected Ally savings account by XX/XX/XXXX. I was required to keep the new money in the selected account until XX/XX/XXXX. The cash conus was supposed to be paid by XX/XX/XXXX. On XX/XX/XXXX I transferred {$50000.00} in new money into the selected Ally savings account from an external bank transfer. I left the entire balance, plus an existing {$8.00} which was already in my selected Ally account, through and including XX/XX/XXXX. In fact, this transferred {$50000.00} in new money remains in that selected Ally savings account to this day. I have not made a single withdrawal, debit, or transfer out of the selected Ally savings account since moving that {$50000.00} into the account on XX/XX/XXXX. I never received my 1 % cash bonus ( which should have been {$500.00} - the maximum amount allowed by Ally 's offer ). I have written to Ally several times and I have called twice I believe. I was first told I did not sign up for the offer and so I did not qualify, but I then sent Ally an email I received from them which confirmed that I had enrolled in the offer. That confirmation email contained the rules for the cash bonus which I have summarized above. Ally agreed that I signed up for the offer only after I sent them their confirmation email, but they still have not paid me the {$500.00} bonus. They have advised me that there are many people who did not get paid the bonus and they are trying to work through the problem. It is now XX/XX/XXXX - two months since they were supposed to pay me {$500.00} and I have gotten nowhere with Ally. I have wasted a lot of time on this problem, and I have kept {$50000.00} in my Ally account which could have been put to better use elsewhere. Ally must pay me the {$500.00} they owe me, and any fines or other compensation that I am lawfully entitled to. I have the email confirming I signed up for the offer which I can send you upon request. I also have messages from Ally with their comments. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60010
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have held accounts with Ally Bank for many years without issue, until recently. Through what I believe was malware infected onto my phone, several fraudulent transactions through XXXX XXXX and XXXX took well over {$2000.00} out of my checking account. The transactions appear as though they were sent to my life partner, XXXX XXXX, but none of the transactions arrived in his account. All of the money was siphoned off to a still unknown source. XXXX XXXX refuses to delve into the transactions because they appear to have gone to someone I know, despite repeatedly telling them the money never arrived where the transactions state. So I disputed the transactions through Ally. For reasons that have yet to be fully explained to me, the Ally fraud department has locked me out of my account while they " investigate '' the matter. I have called the Ally fraud department countless times, and am told nothing can be done at all until the investigation is complete. While I appreciate them investigating the fraudulent transactions, this has completely cut me off from all of my money. My rent, student loan payment, internet bill, and phone bill are all late. I have no money to buy food or medicine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Ally has effectively ruined my life by locking me out of my account. I do not understand why a fraud investigation necessitates the account owner being completely cut all from all of his or her funds for an unspecified amount of time. I have been told it may take up to 90 days to resolve the investigation, which I find completely unreasonable. I would like to ask you reading this now, what if this happened to you? What if a crime happened to you where money was stolen right out of your bank account, and once you reported it to the bank, they completely locked your account, leaving you unable to pay any bills, buy food, or buy medicine? Would you find that acceptable?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Ally Bank offered 1 % cash bonus promotion. To receive the 1 % I was required to enroll by XX/XX/XXXX, deposit funds by XX/XX/XXXX & have those funds remain in the account until XX/XX/XXXX. 1 % bonus to be paid by XX/XX/XXXX On XX/XX/XXXX I received an email " Good news : You're enrolled in the cash bonus ''. I deposited {$50000.00} on XX/XX/XXXX into my qualified account, where it remained until XX/XX/XXXX, when I made a partial withdrawal. The account is still " in good standing '' with Ally. When I did not receive the {$500.00} to which I was entitled, I contacted Ally Bank on XX/XX/XXXX. They established a file ( Ref # XXXX ) & told me I would be contacted within 5-7 business days. I called again on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. I also left a complaint on feedback on XX/XX/XXXX & 2 complaints on phone survey. To date, I have NEVER received any communications from Ally in response to above complaint, even though I was promised a follow-up each time. All representatives to whom I spoke researched my file & agreed that I had met all requirements to entitle me to the {$500.00} bonus & one told me that " I was not the only one '' with this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 680XX
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: My vehicle was paid in full with Ally. I have been trying to remove Ally as a lien holder in the state of CA. CA has been unable to remove Ally as a lienholder because Ally has not provided a lien release. I made several requests for this document and even contacted the Executive 's department. I have been trying to make contact with someone for over 3 months. The latest person was an XXXX. I have called multiple customer service lines, spoke to several managers, and no one is sending my lien release. They even stated I needed to have XXXX make request for lien release. I had XXXX call to make request and I still did not receive a lien release. I can not register my vehicle in CA with a clean title, I can not sell my vehicle, I can not do anything with my vehicle because Ally refuses to provide a copy of lien release.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95747
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: 2023-04-12
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened 2 accounts with Ally Bank. Both accounts were opened based on an Ally Bank Promotion that if I deposited {$50000.00} I would get a {$500.00} 1 % cash bonus for each account for a total of two {$500.00} bonus payments on each account for a total of {$1000.00}. I did everything required to meet the eligibility requirements and should have received the two {$500.00} payments by XX/XX/2023. I have reached out several times to Ally as I have not received the cash bonus payments and Ally has failed to respond. They are ignoring my requests for resolution. They state they are " researching '' but never follow up and have failed to payout the {$1000.00} that has been due since mid XXXX. It is not right for Ally to refuse to pay a customer a bonus payment when the customer has fulfilled all the terms and conditions necessary to receive the promised bonus. I have all the evidence that proves that I applied for the bonus and completed the requirements.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92614
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Late last year ( 2022 ) Florida was hit with two back-to-back hurricanes which devastated XXXX and XXXX Florida. A state of emergency was declared and millions were severely impacted by the back-to-back hurricanes. I am self employed and suffered a severe financial hardship as a result of the natural disasters. I called Ally shortly thereafter to apply for financial hardship assistance and was denied because the loan was new and had no payment history. Their decision to deny financial hardship assistance has resulted in my family and I struggling to keep up with payments while they use aggressive collections tactics ( including calling relatives ) to force payment. They have repeatedly threatened with repossession as we never seen to get caught up enough to get out of their repossession eligible status ( 50+ days past due ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32765
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have received phone calls on my personal cell phone from Ally Financial , Inc. ( " Ally '' ) every weekday morning for the past two weeks. Ally is calling to collect on a debt owed by someone who I do not know and have never interacted with. Each time they have called, I have told Ally that they have the wrong number and that I do not know the person they are trying to reach. I have also requested multiple times that Ally stop contacting me because I am not the person that they are trying to reach. Further, I do not have a bank account with Ally Bank and have never utilized any of the financial or lending services offered by Ally Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30327
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A