Date Received: 2023-03-20
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Ally Bank sent me a promotional offer, promising a 1 % bonus on new money transferred into a savings account. I met all the requirements and was approved for receiving the bonus on or before XX/XX/2023. They have still not paid the bonus 5 weeks later. I have spent at least 6 hours talking and chatting online with agents and supervisors. Apparently, there are a huge amount of people like me who were promised money and have not received it, so they keep telling me to be patient and that I will receive it eventually. I am feeling like Ally duped me into sending them a large part of my savings and are using my money to make more money without fulfilling their commitment to pay the bonus they promised for using my money. I dont know what to do to resolve this issue-please help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 856XX
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My credit report is being negatively affected because it shows the account was " Paid, Closed. {$410.00} written off. '' For a 8-9 months now, I've been working with Ally to get this fixed and also disputing the results on XXXX but there has been no results! Ally customer service tells me they have put in a " work order '' to fix the issue and that it takes XXXX weeks. After numerous work orders, experian disputes and countless of hours spent talking to Ally, I am left no choice. I have a letter from Ally showing that my account is PAID IN FULL ( and I've attached this letter to the XXXX disputes ) but my dispute gets denied. Ally is saying it's paid in full to me verbally but they are not able to update my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77066
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: On XXXX XXXX, 2023 my Ally auto payment went 30-days past due. The next due date was XXXX XXXX, 2023 in their payment app ( XXXX ). I made the payment in full ( {$1700.00} ) including late charges, on XXXX XXXX, 2023 via their phone system. Theyve reported the payment 60-days past due, although all contact through app and text shows a due date of XX/XX/2023 ( 30-days from XX/XX/2023 payment date ). When contacted they said the payment doesnt need to be 60-days past due and they can mark it on the XXXX. I requested information and they were reluctant to provide, but said they would mail something between 10 business days. Looking through the contractual terms of the loan, it says clearly its a 30-days from due date reporting system. This means my payment would be marked 60-days past due on the 58th day, with a payment deducted on the 59th day. Reading through the federal law of the Fair Credit Reporting Act, it states A late payment can not be reported to the credit bureaus until it is at least 30 days past due. An overlooked bull wont hurt your credit as long as you pay before the 30-day mark, although you may have to pay a late fee. Any assistance will be appreciated and I would like to engage the complaint process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75013
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: The original loan was in my late husbands name but after he passed away I being his surviving spouse continued to pay on the loan and a death certificate was provided. I decided to purchase a car in my name only and turned the car over to Ally Bank. They sold the car in XX/XX/XXXX and issued a check to the estate of XXXX XXXX. I contacted them to inform them there was no estate and tried to get them to reissue in my name and they refused. I hired an attorney and finally obtained a certified copy of an order signed by the judge to have check reissued in my name. Again they refused and reissued check to my late husband. It is filed under their agreement number XXXX. The court order filed XXXX in XXXX XXXX Florida Court Probate Division signed by the judge on XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-19
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I enrolled in a savings bonus offer from Ally Bank on XXXX XXXX, XXXX. The offer stated that customers would receive a 1 % bonus for additional deposits up to {$50000.00} to savings vehicles if the money was kept at the bank for 90 days. The transfer had to be made by the end of XX/XX/XXXX. I transferred an additional {$50000.00} to my Ally savings account on XX/XX/XXXX. I subsequently transferred the {$50000.00} within Ally Bank to a CD account ( also within Ally Bank ) after calling customer service and receiving assurances that this was allowed and would not disqualify me from the 1 % bonus promotion. The bonus was supposed to be credited to the account on XX/XX/XXXX. However, this has not happened. I called Ally Bank customer service three times about the missing bonus and it has been escalated with case # XXXX. The case was created several weeks ago, but it is still pending.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22401
Submitted Via: Web
Date Sent: 2023-03-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have no relationship with this company and I did not authorize this inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44122
Submitted Via: Web
Date Sent: 2023-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have no relationship with this company and did not authorize this inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44122
Submitted Via: Web
Date Sent: 2023-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: YOU ARE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT. I am writing you today to inform you that I am excercising my right to OPT out of having my private public Information shared with the consumer reporting agencies. ALLY Financial 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: FL
Zip: 33127
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I involved in a traffic accident on XX/XX/XXXX XXXX. While I was continue to pay the installments of the car, lender suspended my account and started to add amount to my loan every month. I tried to reach and learn about my account status many times but it is impossible to take a response about my loan. They dont provide interpreter and dont ssnd the information written. They hang up the phone while waiting for the rsponse. I sent them message via app, they never give a respond. The insurance company will pay the car and they give an incredible pay off amount to the insurance company which left me with a huge debt. My debt on XX/XX/XXXX was {$16000.00} My debt on the app now XX/XX/XXXX. {$19000.00} They give pay off amount 45 days ago {$35000.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32708
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In my credit these two accounts appear that are not mine and I do not recognize them. I have made multiple efforts with credit agencies. XXXXXXXX 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: PR
Zip: 007XX
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A