Date Received: 2023-03-24
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: The Customer enrolled in Ally Banks 1 % Cash Bonus Offer which offered a 1 % cash bonus for depositing new monies to my Savings Account at Ally Bank. Ally Bank failed to fulfil payment of the cash bonus to the Customer after the Customer had complied with all the requirements of the cash bonus offer ( which is {$500.00} based on a {$50000.00} deposit ). The Customer enrolled on XX/XX/XXXX, made the deposit on XX/XX/XXXX, and kept the balance in the Ally Bank account through XX/XX/XXXX. The cash bonus was to have been paid on or before XX/XX/XXXX. All supporting documents for the cash bonus offer and compliance evidence is attached. The Customer called Ally Banks telephone customer care center on XX/XX/XXXX ( Ally Bank Inquiry Case # XXXX ) and XX/XX/XXXX, and was told that no progress has been made in resolving my case/complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89044
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received a fraudulent cashier 's check on XX/XX/XXXX for an oven I was selling on XXXX marketplace and XXXX. The individual XXXX XXXX XXXX wrote from email address XXXX and explained that they would send more money than the selling price - the surplus intended to pay for the movers that would pick up the item. I deposited the check on XX/XX/XXXX ( Ally deposit reference XXXX ), an initial {$300.00} was available on XX/XX/XXXX, and the full {$3400.00} amount was cleared into by account XX/XX/XXXX. After transferring {$2000.00} to the phone number provided above, I was told by Ally on XX/XX/XXXX that the check bounced. The scammer then contacted me to transfer more money to a different phone number XXXX. When Ally called, I was informed for the FIRST time that customers are recommended to place a freeze on their accounts when they receive checks from unknown contacts. I was also told that despite being sent an Ally email that confirmed the full amount was available, I was personally responsible for not using those funds for 7-10 days to ensure full clearance. My Ally account was immediately restricted for negative funds and fraudulent activity. This involved both the checking account associated with the check AND my investment savings account. Ally claimed that the investment savings account would not be affected by restricting the checking account access, but a quick call to Ally Investing dept confirmed that one username is used for all accounts. Therefore, I am not able to access any funds in my uninvolved investment savings account. A week after the initial fraud call, I had not received any communication from the Ally XXXX '. I called back to learn that I have been PERMANENTLY restricted/banned from Ally. This means they have also permanently barred me from the money in my investment savings account - money I need to start a new account at a different bank. I can not pay any credit card bills either. A representative recommended that I transfer my savings into my checking account to clear my debt incurred by the scammer! I filed a police report for scammer, but it also feels there is no accountability or security with Ally Bank. They kick out customers without notice after they accepted the same realistic check that I fell for. I've not only been robbed by a scammer, but by Ally as well since they're holding needed funds. There is no option to appeal once the Ally fraud hotline representative says the 'investigator ' made a final decision ; they bully you out of whatever money you entrusted to them. This feels like inappropriate behavior for an 'established ' bank. What is the point of a bank being insured? XXXX collectors are already contacting me for the indebted amount. Ally fraud case # XXXX. XXXX, VA police report # XXXX. Names used : XXXX XXXX, XXXX XXXX. XXXX Sender : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. Emails used : XXXX, XXXX, XXXX. Phone XXXX, XXXX, XXXX. XXXX ID : phone XXXX, XXXX or XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 232XX
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Made a payment on the date of Friday XXXX XXXX XXXXXXXX XXXX. My loan payment was due on XX/XX/2023 they put in Monday and made my car loan payment late. I made my payment two days before it was due. In summary the monthly statement doesn't include the processing time as to how the payment will be entered into the payment system.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80817
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: account frozen on XX/XX/XXXX called XX/XX/XXXX to unlocked, and frozen the same day called XXXX said it was under investigation. called the XXXX, 4 times got hunged up 3 times trying to find out what was wrong with my account was told to call back tomrrow called the XXXX was told someone had already talked me about it, got hung up again called the XXXX, was just told it was still under investigation
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92335
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Company illegally repossessed a car from me when they asked for proof of payment they stated they only had a fax # so sent info to them to find out they dont have an office.Then they sent it to a firm to collect paid settlement because I was being harassed and then that company couldnt send a settlement paid letter so they sent it to another company to collect now Im being harassed by them. I have tried calling the company for a year they dont even have a valid phone number to talk to anyone and they also dont have a valid address to send information in certified letter. They also have it listed on my credit report as at least 5 different amounts owed and they report it every 1-6 months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On this account ALLY FINANCIAL XXXX there To Whom It May Concern, First off, I would like to take this opportunity to thank you for the excellent service I have experienced as a consumer. I have been a very loyal consumer, and I am in need of your assistance. I am writing in regard to the above-referenced account and transactions. Somehow, someone illegally obtained my credit card information, thus delay in payment was caused by fraud. I always try my best to pay your company in time, but this time my payment was late by I am sincerely sorry for the delay in payment, and I apologize for any inconvenience or frustration this caused you. While I take full responsibility for my mistake, I would like to assure you that this was a last- time error on my part, and I ensure that this does not happen again. I would really appreciate if you would kindly understand my situation and excuse me for late payments ). I am asking your company for a goodwill request, please eliminate late payments ) with the credit bureau ( s ) by filling out Universal Data Form and faxing it to the credit bureau ( s ) that you report to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07002
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I financed a vehicle through Ally Financial. The vehicle was totaled in XXXX. My insurance company contacted Ally, obtained the payoff amount and paid off the loan. Ally cashed the check on XX/XX/XXXX and released the lien on the title. My insurance company sent me a copy of the payoff check and a new, clear title issued in my insurance companys name by the state of Texas on XX/XX/XXXX. Three years later, Ally contacts me on XX/XX/XXXX claiming that I still owe one more payment. I thought it was a scam because the loan was paid off years ago. I got a call and a letter dated XX/XX/XXXX. They claimed that my insurance company never requested an official payoff, so the loan was not paid off. Instead, Ally deducted payments from the {$15000.00} check for three years and at the end, claimed I still owed one more payment. My insurance company tried to help me and made 3-way calls to Ally to try and get it resolved, but the insurance company eventually bowed out because Ally has done this before. My insurance company now has a policy requiring payoffs in writing because of this very problem with Ally. I spent 20+ hours trying to resolve the issue before finally paying the $ 400+ because collectors at Ally threatened my credit. They sent me another title in XXXX releasing the lien ( that was released years ago ). Lo and behold, I later discovered that Ally reported that I had 30 and 60 day late payments. When I contacted them, Ally claimed they could not resolve this with the credit bureau. I disputed these late payments with the credit bureau, and Ally still maintained that I was 30 days late. The credit bureau sent me to FTC.gov. I do not believe I owed the debt, but I paid it anyway to save my credit from showing a collections while I got it resolved. I think Ally had a paperwork error in XXXX and is trying to make me responsible for their error. My insurance company ( XXXX ) handled the total loss transaction, so I do not have the records or memory to prove what happened in order to get the late payment removed from my credit. Regardless of whether the debt was owed, it was paid 3 weeks after they initially contacted me on XX/XX/XXXX, so it couldnt possibly be late. According to Ally, they were sending me electronic notices through an Ally online account that I never checked again after XX/XX/XXXX because I was told that the loan was paid in full. That is not sufficient notice to report late payments to the credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with my written instructions. 15 USC 1666B : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53545
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I had fraud on my account with roughly 10 charges all for similar amounts. Ally never flagged the charges to see if it was me. I got paid on payday and I was paying my bills and got declined a bill payment just to login and see my account had all my money taken out - {$250.00} was in my account on payday. I then called ally immediately and they told me to call back when the transactions finalized. I called back and filed a claim for the transactions and I also paid {$15.00} for an expedited debit card replacement. Well a week later I still didnt get the card so I called to see where my card was and they told me they didnt send me a card because my account was negative and I needed to cover that negative amount before a new card is sent I then asked what was going on with my claims, they then told me that the claims werent found fraudulent regardless of what I told them. They had XXXX care or concern. So no my account is negative- {$260.00} and I plan to sue if this issue isnt resolved in the next couple weeks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37122
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Date : XX/XX/XXXX To : Ally Financial Services XXXX XXXX XXXX XXXX, XXXX XXXX STATEMENT OF TRUTH Dear Sir/Madam : I have been unsuccessful in my attempts to get this resolved. I Have spoken with customer support on XX/XX/XXXX. ( XXXX different Representatives ) over the phone and sent certified mail to the bill payment center of which an representative ( XXXX XXXX XXXX confirmed receipt of my correspondence. I was told I would get a call back regarding the Payment Form ( 1099A ) that was received. It was first sent post-marked on XX/XX/XXXX. And then subsequently sent certified Return Receipt Mail XX/XX/XXXX. ( Received XX/XX/XXXX confirmed via XXXX TRACKING ). Along with a letter of explanation and the Payment form ( 1099A ) that was accepted by the Internal Revenue Service on XX/XX/XXXX for payment of the total balance at the time of submission ( XX/XX/XXXX ) ( XXXX amount ) ( {$26000.00} ) and the Payment coupon from the billing statement for XXXX ( {$1300.00} ). This agreement has been satisfied per UCC code as paid in full. My account was put on XXXX XXXX, after payment agreement to extend my payments pending XXXX payments to be completed ( XXXX XXXX, XXXX XXXX ). This notification was not received by me until the XXXX. And stated, I can send via cashiers check, certified check, money gram, XXXX XXXX, or send a money order. It gave no other information. I later found out, through calling customer service, I had to apply a code for XXXX XXXX and moneygram. I left messages for the fraud department, ( XXXX ) with no return call. I have made several calls for weeks, on the phone for hours on hold with no results. XXXX payments have been made in XXXX : XXXX, XXXX via Bank Bill Pay from my XXXX XXXX account $ XXXX ( confirmation # XXXX ) that was rejected and not accredited to my account. Of which I was told takes 14 days to be returned, with no one to confirm via phone to have knowledge of when this was done. It was not clear that Bank Bill Pay was not considered a cashiers check an Equivalent of a Cashiers Check XX/XX/XXXX via XXXX ( I requested XXXX XXXX, and the agent gave me this instead ) {$670.00} ( Reference # XXXX, Reciept # XXXX ) This payment has been noted as seen in the system, yet not accredited to my account. I am seeking XXXX for this to be resolved. XXXX This has brought me humiliation and embarrassment, having to constantly call and repeat my information and inhibit my ability to work at my job, on the phone for hours daily and weekly on hold and or with customer service whom do not know the nature of my call or can not connect me to the proper departmentsBeing treated like a criminal, when no XXXX has been committed by me. Forced to pay for money services, when I have been paying with my bank account since the open of my account with Ally. I have never missed a payment-prior. XXXX I was not able to keep my payment agreement for my extension request on XXXX XXXX. It has now been cancelled because payments didnt apply XXXX XXXX department, refused to help and assists me when they could have resolved the pending payments, and allow these payments to be allocated to my account as was given. XXXX To take payments, and not accredit them to my account, then hold them, without returning them is not agreeable to our contract and thus is deemed as fraudulent on by Ally when not allocating those funds to my account. Depriving me of keeping to my agreement, with no grounds on why, with no merit of explanation of documented agreement or contract. XXXX Payments be accredited to account, until Ally returns payments to be returned via the ways described in the letter XXXX Ally to let me know when funds will be returned ( date, confirmation # ) XXXX It is Fraudulent to not apply funds paid on my account, and then send letters of repossession for nonpayment, as I received on XX/XX/XXXX XXXX Show me Documentation, the Contract Agreement that clearly states, I can not Furnish a XXXX to absolve this debt and Cancel it through this process. XXXX Ally policies are for Ally, not the consumer holding the contract. Ally must still abide by XXXX XXXX XXXX, which XXXX, Ally internal policies. XXXX XXXX request to be removed off the Fraud Alert, as no fraud was committed or proof thereof XXXX XXXX of all Documents, if were deemed invalid, and not accepted, Yet Ally didnt return these documents to me. It is my understanding that there is an intent use them as given ( for payment ), if not returned, which makes them valid. ( when not returned ) 31- Copy of the signed original Agreement by both parties. I do not have a signed 2 Party Contract from XXXXwhich means we have no agreement. XXXX law states an agreement is between 2 parties that sign to validate the agreement. Yet I have none. 32- Stop Cease and Desists this activity against my account in retaliation for the above aforementioned Debt cancellation 1099A form of which was accepted for payment by the IRS on XX/XX/XXXX. I am requesting remedy for this issue to be resolved on my behalf.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A