Date Received: 2023-03-16
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I have had an Ally Bank Online Savings Account since XXXX. On XX/XX/XXXX I received email from Ally offering a 1 % interest bonus, up to {$500.00} max, for depositing new money into an account and keeping it there thru XX/XX/XXXX. The bonus would be deposited into my account by XX/XX/XXXX. It also mentioned to Be sure to use the email address associated with the Ally Bank Account you plan on transferring new money to. I enrolled on XX/XX/XXXX and received an email to my savings account associated email - confirming my successful enrollment. I deposited {$50000.00} and received an email from Ally on XX/XX/XXXX on the successful transfer of the {$50000.00} into my account. I kept the funds in the account thru XX/XX/XXXX. Noticing that the 1 % bonus ( {$500.00} ) had not been credited to my account I called Ally bank on XX/XX/XXXX to inquire on the timeframe for receiving the cash bonus. The only thing we could discern is that perhaps the glitch was that in XXXX I changed the email associated with the account to my gmail email, to simplify my life. I was told that that would not have affected the criteria and that the matter would be escalated to the back room for resolution. I called again on XX/XX/XXXX and was told that it was still being processed and that it typically would take 7-10 business days. It is now XX/XX/XXXX, over 1 month since it should have been deposited, and 15 business days since I first called Ally and still nothing. I have clearly met all of Allys eligibility requirements outlined in the offer and am due the {$500.00} bonus. Note : On XX/XX/XXXX I first sent this complaint to the FDIC. I received an email this afternoon that they were forwarding to you for resolution, so this is an updated copy of the one sent to you by the FDIC.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 530XX
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: This complaint is about Ally Bank On XX/XX/2023, i logged into my account to do a XXXX transaction, this was my first time using XXXX with Ally. The Ally app notified me that something went wrong and that i should call in to verify some information before i can proceed with XXXX. I called in at XXXX XXXX and talked to an associate that said that i would not be able to use XXXX because they can not verify my number. After about an hour or so, i tried to log into the app again and this time there was different notification. It stated that i was locked out of my account because of 'fraud '. I called in again and they mentioned that, the bank is locking my account even though i had provided all the information needed to verify my identification. The customer rep for Ally bank said that the account will be frozen for 30 DAYS as they carry out the investigation. I am in need of the funds in the account since im currently traveling and that is my only source of income.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27545
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I enrolled in the 1 % cash bonus promotion program at Ally bank by depositing {$50000.00} new money into my savings account on XX/XX/XXXX and kept the money there through XX/XX/XXXX. According to the promotion agreement Ally bank should deposit {$500.00} cash bonus by XX/XX/XXXX, but I did not receive the cash bonus as promised. I contacted Ally bank on XX/XX/XXXX, a ticket was submitted and I was told that it will take 7-10 business days to resolve the issue. After two weeks I still did not receive the bonus, I contacted Ally on XX/XX/XXXX and was told that they have delay in processing. On XX/XX/XXXX I contacted Ally again because it has been one month and I still did not receive the bonus, I was told it is still being reviewed, they can not provide a turnaround time. I followed all the rules of the promotion : I received enrollment confirmation email on XX/XX/XXXX, deposited the money before XX/XX/XXXX, kept the money through XX/XX/XXXX. But Ally bank did not honor the agreement and did not deposit the cash bonus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01810
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I recieved a XXXX transfer of a XXXX dollars from a XXXX XXXX, in exchange for cash, XXXX bank then reported the transaction as fraud and now my account is marked as restricted and I cant access my funds which I need for day to day activities, ally bank has been of no help in helping me access my funds needed for the day, this is not the first encounter I have had with ally bank, they always restrict my account for any purchase that I do even when I want to pay rent
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75052
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: This opportunity to cure is regarding application # XXXX Ally Bank denied credit extension and I am seeking compensation for damages. " 706. Civil liability " ( a ) Any creditor who fails to comply with any requirement imposed under this title shall be liable to the aggrieved applicant in an amount equal to the sum of any actual damages sustained by such applicant acting either in an individual capacity or as a representative of a class. " ( b ) Any creditor who fails to comply with any requirement imposed under this title shall be liable to the aggrieved applicant for punitive damages in an amount not greater than {$10000.00}, as determined by the court, in addition to any actual damages provided in section 706 ( a ) : Provided^ hoverer^ That in pursuing the recovery allowed under this subsection, the applicant may proceed only in an individual capacity and not as a representative of a class. " ( c ) Section 706 ( b ) notwithstanding, any creditor who fails to comply with any requirement imposed under this title may be liable for punitive damages in the case of a class action in such amount as the court may allow, except that as to each member of the class no minimum recovery shall be applicable, and the total recovery in such action shall not exceed the lesser of {$100000.00} or 1 percent of the net worth of the creditor. In determining the amount of award in any class action, the court shall consider, among other relevant factors, the amount of any actual damages awarded, the frequency and persistence of failures of compliance by the creditor, the resources of the creditor, the number of persons adversely affected, and the extent to which the creditor 's failure of compliance was intentional. As stated in PART 1002 - EQUAL CREDIT OPPORTUNITY ACT ( REGULATION B ) As per United States Constitution I can take Ally Bank to Federal Court and Sue for this matter. There is nothing else above the law and I hope you govern your self correctly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79938
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have a credit card with Ollo. My husband is on leave without pay, and I am unable to make a payment at this time. Ollo calls me 3-4 times a day about my balance due. They also send text messages almost every day. I don't think they are allowed to contact me this much.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 298XX
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing this complaint to ALLY FINANCIAL. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31904
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: In year XXXX I had lost my job and couldn't make any payments I contacted Ally Financial about my situation now in XX/XX/XXXX my kid Dad had took my car to the store and supposed to come back that day so a week in a half went by been calling XXXX XXXX XXXX to bring my car to my resident he never brought my car back so I contacted the police they told me to wait ten days if he doesn't bring it back than call to report it stolen so I called my kid Dad and told him to bring it back he still hasn't so the next day I called the police again to find the location of the car it was towed away by XXXX XXXX in XXXX Texas I called Ally Financial and let them know that my car was not at my residence and that it was towed away at my kid dad resident so in XX/XX/XXXX XXXX XXXX XXXX had sold the car to someone in California all and all I just couldn't afford the car and my kid dad never help me to get my car back and now I'm stuck with {$14000.00} balance on my credit it just been really hard on me these past few years I have no job no car and XXXX XXXX XXXX XXXX XXXX XXXX kids So just gotten a collection letter from XXXX XXXX XXXX XXXX XXXX is a debt collector on XX/XX/XXXX for Ally Financial
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75228
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX I received a notification that my Ally debit card was charged four separate times ; the first merchant XXXX based in FL in the amount of {$190.00} was Debited, the 2nd a Mobile Wallet Update out of XXXX XXXX for {$0.00} which was Declined, a 3rd from XXXX for {$110.00} also Declined, and a 4th transaction by XXXX XXXX XXXX for {$39.00} out of MD which was Debited. ( There was also a record of a purchase we did make for {$44.00} at XXXX in NY where we live and were at the time of these fraudulent debits ). I received this notification via email and text asking if I authorized the transactions above because Ally flagged them as suspicious. I immediately responded, flagging all the transactions including the two that were debited as fraud. My debit card was closed and the transactions were credited to my account by Ally. I called the company ( XXXX ) listed to see what the charges were for ( they had no website ), and the company had no record of any of my informationno account or orders under my Name, Phone Number, Address. The fraudulent company then asks me for my full debit/credit card number to do a more thorough search ( yeah, right ). THREE months later on XX/XX/XXXX, I receive a letter in the mail stating Ally conducted an investigation and their findings concluded the merchant provided sufficient documentation stating the transaction was authorized and Ally was re-posting the {$190.00} provisional credit and reversing their decision on XX/XX/XXXX ( that same day ). I had since pulled all money out of this account because Ally has yet to send me a new debit card after requesting a new one 3 times and for a whole month after this incident. No new card was ever sent to me ( this is an even longer story ). Because I had virtually no money in that account, my account was drawn into the negative because of this incorrect reversal. I immediately call Ally back to request a copy of the documentation they received and gathered to make this determination. The customer service reps says he isn't able to see " any documentation that shows how the transaction was authorized '' under my dispute number like the letter states. The customer service rep states he needs to escalate this up to his supervisor. I get placed on hold, I then ping pong from department to department, unable to get any further clarity on why the decision was reversed. I also call the fraudulent company again to ask what information they have of mine. They have none and no receipt or confirmation that I made a purchase ( they ask me for my full debit card again ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11209
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Ally bank {$500.00} promotion is not fulfilled by the bank. This is chat with Ally bank rep, XX/XX/XXXX : Info : You are now connected to XXXX. XXXX, XX/XX/XXXX XXXX : Hello, this is XXXX from North Carolina with Ally Customer Care. Thank you for chatting with me today. How can I help you? XXXX, XX/XX/XXXX You : My q. is about the bonus I supposed to get in XX/XX/XXXX. XXXX, XX/XX/XXXX XXXX : I am bringing up your information now to get this looked into. XXXX, XX/XX/XXXX You : Thanks XXXX, XX/XX/XXXX XXXX : This is referring to the XXXX you put in account XXXX on XX/XX/XXXX correct? XXXX, XX/XX/XXXX You : Yes, XXXX XXXX, XX/XX/XXXX XXXX : Did you receive the enrollment e-mail and submit it online? XXXX, XX/XX/XXXX You : Let me check my email for that XXXX, XX/XX/XXXX XXXX : Absolutely take your time. XXXX, XX/XX/XXXX XXXX : " You're one step closer to getting your cash bonus ''. Is this what you are asking? XXXX, XX/XX/XXXX XXXX : Correct where it tells you that you have enrolled now you need to fund the account. XXXX, XX/XX/XXXX XXXX : There should be another e-mail letting you know you enrolled. XXXX, XX/XX/XXXX XXXX : " Good news : You're enrolled in the cash bonus ''. XX/XX/XXXX XXXX, XX/XX/XXXX XXXX : Great I see the XXXX you added before XX/XX/XXXX and you kept it in there till XX/XX/XXXX. I am going to make a case to get this sent to bank operations. XXXX, XX/XX/XXXX XXXX : You did use the e-mail on file correct XXXX? XXXX, XX/XX/XXXX You : Yes, XXXX XXXX, XX/XX/XXXX XXXX : The XXXX you funded it with did you transfer that from an external bank or from another Ally account? XXXX, XX/XX/XXXX You : From external bank XXXX, XX/XX/XXXX XXXX : Thank you for this information I am making a specialty case now. Could you please verify the best way to reach you by phone and mailing address just in case we reach out to you? XXXX, XX/XX/XXXX You : XXXX XXXX, XX/XX/XXXX You : Mailing address should be on file. XXXX, XX/XX/XXXX XXXX : this should only take me a few minutes to get this submitted and then I will have a case number for you. You : Thanks XXXX, XX/XX/XXXX XXXX : XXXX is the case number. XXXX, XX/XX/XXXX XXXX : This can take 7-10 business days to research and you will be reached out to with further information. XXXX, XX/XX/XXXX You : Can you send me an email with this info, please? XXXX, XX/XX/XXXX XXXX : I apologize I am not able to e-mail you directly but this has been added to your profile so even if you lose the number someone could bring up the information from the file. XXXX, XX/XX/XXXX You : Okay, thanks very much. Good night. As you can see I have case number from XX/XX/XXXX, XXXX is the case number. Nobody ever contacted me from Ally bank. I've called Ally bank many times to complain. At one call ( XX/XX/XXXX ) rep elevated my case ( whatever this means ) and I have another case number : XXXX XXXX. Again, nobody ever contacted me. So, please help me to get my {$500.00} bonus. Thanks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30092
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A