Date Received: 2023-04-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I transferred {$50000.00} to Ally Bank to take advantage of a account Bonus promotion. The promotion was deposit NEW money into your Ally account and receive a 1 % Bonus up to {$500.00}. My bank transferred the {$50000.00} on XX/XX/XXXX and Ally received it on XX/XX/XXXX. I know this because I called Ally on XX/XX/XXXX to verify they had received the money on XXXX since it was the last day of the promotion. The Ally employee told me they had the {$50000.00} and it was pending. I asked if the fact that it said pending meant they actually had the money and that it did qualify for the promotion and the 1 % Bonus. The Ally employee assured me that it qualified for the Bonus. The money had to remain untouched until XX/XX/XXXX when it qualified for the Bonus, which would then be deposited into my Ally account on XX/XX/XXXX. I noted this in my calendar and called on XX/XX/XXXX to verify the deposit of {$500.00}. I was told that I would not receive the Bonus because the money was not deposited until XX/XX/XXXX. Ally said they had an internal note placed in my account in XX/XX/XXXX advising I was not eligible for the Bonus, but that info was not sent to me. I spoke with a supervisor on XX/XX/XXXX and filed a case regarding this matter. I was told a few days I would get a response. I have called a total of XXXX times and have been told 3-7 days, 7 business days, 14 business days, give it another week and now have been told that there are SO many complaints regarding NOT receiving the Bonus that the department can't get to answering all the outstanding cases. Online there are groups of people writing about the problems they are having with Ally Bank regarding NOT RECEIVING their 1 % bonus. This situation is unacceptable and during these 2 months of waiting for a resolution to my case and the payment of my {$500.00} they are also holding my LARGE sum of money. PLEASE intervene and help. Thank You
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 064XX
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: 2023-04-11
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: I am writing to make a complaint against ally bank. In doing my taxes last week, I found out by looking at my XXXX forms thatAlly had closed all my CD accounts, including those for which the due date had not arrived, without my permission, and had penalized me. I early XX/XX/XXXX I had called in order to close XXXX accounts ; the XXXX which had matured on XX/XX/XXXX, and also the high yield savings account. WHile I do not remember the conversation, I know I did not ask to have all my accounts closed. I know this because it would have been a costly mistake. I had on account due to mature on XX/XX/XXXX, so there is no way that I could have thought it was in my interest to close it early and incur a penalty. In addition, I was not short of money ; as a XXXX adult I have never had less than {$4000.00} in the checking or savings. In addition, the interest rates on all my accounts was over 2 %, so it is unlikely and uncharacteristic that I would have incurred a penalty to close any of them early. THe bank says they have recordings of all my conversations. I spoke to a bank representative, I believe on XX/XX/XXXX who said she would listen to them and call me back, but no one has done so. Please listen to the recording ( XXXX ), and determine for yourself whether I asked for all my accounty to be closed. If not have the bank refund me {$1100.00}, {$300.00}, and {$210.00}. Please ascertain whether the bank representative was asking me irrelevant or inappropriate questions that might have contributed to their misunderstanding and take such questioning into account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55119
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: 1. Ally Bank 2. Date of false reporting starts almost 4 years ( XXXX, XXXX ). Its still reoccurring to this day. 3. They first reported me to credit bureaus, so i sent correspondence to shut that down immediately. Was taken down/off my report first thing. And since XXXX isn't something most people know about unless are dealt with a situation that requires them. Someone can falsely report you under detection, as not one place told me " oh you have an outstanding balance at ally. Sorry. '' That was until last year when i moved to Hawaii. XXXXXXXX XXXX i tried to get let me know, ally bank is the one that is reporting you owing money. Besides the account being apart of an identity theft, I never owed them anything. They kept lying and saying my bank reversed deposits. I sent them bank statements of the month in question as well before and after discrediting their theory. They replied by saying that isn't true and then hanging up. I tell them I'm closing this account and only keeping my XXXX XXXXXXXX acct. Then a year or months later send me notice i am delinquent and owe almost {$900.00}. fast forward and they have continued to report me after not 1 but 2 failed investigation attempts by XXXX. With the last one going to banks favor even when i have my bank send photo proof someone tried to deposit the check into a closed account. But this shows proof of receipt which they deny. And base there XXXX off in first place. Im sending with this report my bank statement who issued check directly to ally bank. And lastly the reply from my bank that issued said check on its current status as well as anything being shown that ally received check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96814
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I bought a XXXX XXXX in XXXX of XXXX with a loan from Ally and the vehicle was totaled in XX/XX/XXXX. XXXX XXXX reached out to Ally financial to get a total payoff for the vehicle and paid Ally the amount they gave travellers insurance around XX/XX/XXXX. Ally didnt contact me until XX/XX/XXXX when they said I still owed {$360.00}. When I was contacted by Ally I asked where that amount came from and after sitting on the phone for over 2 hours they told me it was from a missed payment in XX/XX/XXXX but I didnt take out the line of credit until XXXX XXXX. In the 6 months following Ally called me multiple times a day from different phone numbers and never left a voicemail. Now in XX/XX/XXXX I am being called by debt collectors trying to collect the amount of {$360.00}. Ally had hit my credit multiple times for this until charging it off as bad credit sometime in XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 68127
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: ALLY FINANCIAL ARE DEFRAUDING THERE XXXX XXXX CUSTOMERS AGAIN. ITS TIME FOR ANOTHER LAWSUIT
Company Response:
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2023-04-12
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 have had an ongoing issue with Ally Bank where they wont resolve an issue figuring out why my refund hasn't processed Recently My balance went from XXXX to XXXX due to a double charge and no one can tell me why, every time i call i get difference answers and suggestions. They say they escalate things and i never get responses
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98926
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Lost or stolen check
Subissue:
Consumer Complaint: Ally bank issued a check for my CD {$22000.00} to a wrong address or party, it was cashed. I have spoken to many agents for months now, and faxed all the necessary papers they sent to me, but have not received my money, The money should have been sent to me when I cashed the CD in on XXXX, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07712
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: As a result of the repossession of my XXXX XXXX XXXX the first week of XXXX, I no longer have title to my car. I fulfilled all demands of Ally Financial, INC and recovered my car by XXXX XXXX XXXX Last Saturday, when I attempted to sell my XXXX XXXX at XXXX, I was informed it would be impossible to complete the transaction as my title was invalid. Ally had modified the title, making, Ally Financial, the owner in XXXX, Michigan. When I called Ally on XX/XX/XXXX about getting that the title corrected, I was informed it would take 3 to 4 weeks for them to send me the documents necessary to correct your mistake ( and these documents could not be emailed or faxed ). In the meantime, I can not sell the car. Strange that Ally was able the change on XX/XX/XXXX, one day after I paid the amount past due ( XXXX XXXX XXXX ) and met all the demands of Ally regarding the repo. Evidently, Ally 's departments do not communicate or check to see if such actions are accurate, prudent or appropriate, let alone ethical or legal, I was never informed of the change of ownership on this title. Also, there were personal items removed from the vehicle and I have sent numerous emails about this to XXXX over the past month with no response. I do not understand 1 ) how someone can make changes to a motor vehicle without due process of the law, and 2 ) when they do modify the title ( after the loan/lien has been reinstated ), they are unable/unwilling to correct their error in a timely/expeditious manner. Thank you for any assistance you may provide.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Problems at the end of the loan or lease
Subissue: Problem when attempting to purchase vehicle at the end of the lease
Consumer Complaint: Lease started on XXXX for 2 years. The dealership ( XXXX XXXX XXXX XXXX XXXX ) set me up with Ally Bank. I was told I would be able to purchase the car for the specified Residual Value at the end of the lease. I am interested in buying the car and do not need financing. However : Ally Bank is not willing to sell the car to me and guides me to find a dealership in MA who would buy the car from them and sell to me. XXXX XXXXXXXX XXXX XXXXXXXX is willing to do it only if : 1. I take financing with them. 2. Pay {$500.00} for them to check the car. 3. Commit to pay whatever they think is needed to cover anything they might find in their exam. I talked to other dealership and no one was willing to buy the car from the bank for me. ( rightly so... They said they never heard of such a request ). I am still interested in realizing my right in the contract to buy the car at the end of the lease. I do not need financing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: I took out a personal loan with Ally Bank and paid it back in full on XX/XX/XXXX. That same day after I paid the loan in full they pulled my auto debit payment of {$300.00} even though the loan was paid in full. I called them on XX/XX/XXXXXXXX to make them aware they pulled the payment when they shouldn't have and I asked them to simply reverse the ACH payment since we were within the 5 day window. They refused and told me to call back 10 days later to issue a refund. I called back on XX/XX/XXXXXXXX they then told me they would issue me a refund on my overpayment and it would take 7-10 days to process. They promised that I would have the check no later than XX/XX/XXXX. I never recieved the check in the mail like they promised, so I called them on XX/XX/XXXXXXXX and I spoke with a supervisor that told me they didn't issue the refund, but they couldn't explain why they never processed it. This is my money that they are holding without my permission and they will not return it to me. I don't know what else to do at this point.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 662XX
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A