Date Received: 2023-03-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I got an email stating my account has been frozen. No one will tell me anything and I'm being treated as a criminal. I've had an account with Ally for many years. I just opened a checking account with them so I can switch banks and now I have over $ XXXX in their institution and do not have access to it because they froze the account. Absolutely NO information has been given to me. CS Reps were super rude and unprofessional ( except the last lady I spoke with ) I am being old it will take 30 days to get a call. That is unacceptable. I have bills to pay, mouths to feed and accounts to manage. Anytime I've had an account frozen, it's fixed with a phone call on the same day. I demand an answer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85020
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Dear Ally/ Whom ever it may concern, Requst I'm requesting a copy of the credit application submitted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022. Also any other documents you have regarding this matter. Reasons I was mislead in believing only one bank ( Not Ally ) would be making an inquiry on my credit. Also Ally inquiry was duplicated on XXXX. XXXX removed one of the Ally inquiries. DISPUTE date generated and updated XX/XX/2022 Report # XXXX with XXXX. In close with this letter is the denial letter sent to me by you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07107
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Ally Bank offered a Deposit Bonus Promotion. If a customer deposited money from another institutions into an existing Ally account between the dates of XX/XX/XXXX and XX/XX/XXXX and kept the money in the Ally account until XX/XX/XXXX the depositor would receive a 1 percent bonus on their deposit amount on or by XX/XX/XXXX. My spouse is also in this predicament. I registered for the promotion, received confirmation that I successfully registered, and then deposited {$50000.00} into Ally from an outside institution on XX/XX/XXXX. I kept the money in the account well past XX/XX/XXXX. In fact I still have the deposit with them as of today. Ally did not pay the bonus by XX/XX/XXXX and still have not paid it as of XX/XX/XXXX. I have called 5 times and they keep saying they are working on it. A manager in Ally 's customer service department said that they have been flooded with calls but have no time frame for it being resolved. There has been no communication from the bank on this. On my calls to them, they have said it would be resolved first within 3 to 5 business days, then they said 7 to 10 business days, and now they say the can not give a time frame at all. This is a deceptive practice, so I am notifying the CFBP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 100XX
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/ we transferred XXXX from XXXX XXXX XXXX to Ally savings account for a {$500.00} bonus that was promised by Ally for external {$50000.00} transferred in and maintained in Ally for 3 months. By XX/XX/XXXX we had not received the promised {$500.00} so we contacted Ally and they asked us to wait a week and check back. After a week they still had no solution then they asked us to wait 2 more weeks. Then on XX/XX/XXXX we contacted them a 3rd time and they said they did not have any solution so I asked them to escalate it and they promised to have a solution in 0 to 2 days. So today on XX/XX/XXXX I checked again with Ally and now they say they have no solution nor a date by when a solution could be had. They claim they have a lot of people in the same situation looking for a solution. Today we also noticed that our account activity history was mostly blocked or wiped from our view.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Ally bank closed my Account. I submitted a dispute For several charges that were fraudulent. Ally found that the charges were fraud and I had a positive balance of XXXX which I tried to transfer to my mortgage. When Ally knew I knew about the funds in my account they blocked all access to my account and provided new documents saying that the previous charges that were found to be fraudulent were now not fraudulent and stole the money that was due to me. Ally then refused to refund me for a dispute with XXXX XXXX that they went back in collected money from XXXX and never returned to me they are extremely fraudulent and kept me from My bank records and information to hide their fraudulent activities. I spoke to their rep and she was like first your account was in the negative but now its positive and we dont want to give you your money. Then hung up on me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On or about XXXX of 2022 someone stole my identity. I found out when I went to apply for a loan. Whoever stole my identity appears to have access to my mailbox in the building I lived. These people applied for and received a card from XXXX and spent {$1900.00}. I immediately called the fraud department at XXXX and filed a complaint. After about XXXX weeks XXXX contacted me and said they determined that the charges were not fraudulent and that I was liable. They never presented me with the evidence showing that I applied for this card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33181
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I received a check payable to XXXX XXXX XXXX a trade name I have on my law practice letterhead. I tried to mobile deposit it to my personal Ally Bank checking account. The bank rejected its deposit saying it was for a business and that they didn't offer business accounts. I told them that I was a sole proprietor and that I'd like it deposited to my personal account since I didn't have a business account. The service rep suggested mailing it to their XXXX office for check processing and to include anything I had that could prove my association with XXXX XXXX XXXX. I did that but heard nothing for more than a couple of weeks or so. I then reached out to them only to find that they had actually cashed my check. They then refused to deposit the money into my account opting instead to issue me a check again payable to XXXX XXXX XXXX, which essentially eliminated any chance of my going back to the original drafter of the original check for a replacement. In essence, the stole my check, deposited the funds into their own account and kept me in the dark about what they had done. I then opened an actual business account with XXXXXXXX XXXX XXXX tried to deposit the " Official '' Ally Bank that they sent me to my XXXX XXXX XXXX bank account with XXXX. XXXX rejected the check on the grounds that it wasn't formatted correctly. They wouldn't say exactly what the problem was but after a little digging it appears to be a problem with XXXX compliance. All I want is my {$560.00} deposited to my account with Ally Bank. I've spent hours on the phone with their various representatives/supervisors and seem no closer to a resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 523XX
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I lost my wallet and requested a new debit card from Ally bank via their website on XX/XX/XXXX. The website stated that my new card would be delivered via expedited shipping in 1-3 business days. I still did not receive a card on XX/XX/XXXX. I chatted with customer service online, as well as on the phone ( I spoke with both XXXX and XXXX XXXX. They informed me that the website is incorrect and that I would not receive my debit card for another 3-4 business days. They could not provide a tracking number. If the new card arrives in the next 3-4 business das as promised, I will have been without any access to my money for 10+ days. I trust the information provided on Allys website to make decisions about my finances. Ally failing to ship my new debit card in the timeframe they promised me as caused me considerable trouble and stress. I am very upset about this situation and I would like my new card sent immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: As of XX/XX/2023 ( date of complaint ), I am less than 30 days past due on a payment on my account with Ollo. I've run into minor financial issues due to the loss of my fiance in XXXX, but the past due payment will be resolved as of XX/XX/2023 ( all payments caught up to current ). Ollo has called my cell phone 14 times since XX/XX/2023, with some calls coming back to back. Given that the account is only 16 days overdue, this seems rather excessive and borderline harassing. I've had a good experience with this credit card prior to this incident, but this ordeal has put a pretty bad taste in my mouth and has put me off of doing further business with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 26554
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33009
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A