Date Received: 2023-03-06
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: In XXXX of XXXX I was notified that XXXXy XXXX XXXX XXXX XXXX of XXXX /Ally Financial ran my credit without my knowledge for a XXXX XXXX XXXX ; I was told by the salesman that I was a Co ' signer for. Unaware of his scheme he used another persons check stubs ( who's name was nowhere on the contract ) and put the car in my name. I am a XXXX patient who is on Social security and cant afford 2 cars ; I was in a XXXX that was currently being financed with them. When I noticed the problem I contacted the dealership multiple times.The salesman always gave me the run around telling me the problem would get handled. After a few months of going back and forth to the dealership ; I was told not to show up anymore or they would call the police.I didnt understand why I was being treated this way. Ive always paid my payments and I was very understanding about the issue and time needed to come to a conclusion. Now I see that my lack of knowledge and my age was being taken advantage of. Time has now past and now the XXXX XXXX is on my credit and I currently was in a wreck and now unable to get another vehicle, because of this incident.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30165
Submitted Via: Web
Date Sent: 2023-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/XXXX I received an email offer from Ally Bank saying that if I opened an eligible account by XXXX funded the account by XX/XX/XXXX and kept the funds in the account through XX/XX/XXXX I would receive a 1 % cash bonus up to {$500.00} on XXXX. I followed the prompts at the bottom of the email and opened a money market account XX/XX/XXXX and funded it with {$50000.00} on XXXX. I also deposited another {$15000.00} on XXXX On XXXX XXXX I called and asked where is my {$500.00} bonus. I was assigned a case number XXXX and told I would have a response in 7-10 business days. I called after 7 business days and again after 10 business days and each time I was not given a response. The second time I asked to speak to a supervisor. After a lengthy wait on hold I got to speak to a person named XXXX. He told me that they would not give the {$500.00} bonus because I did not enter a promotion code. When I clicked on " Get Started '' at the bottom of the offer, I simply followed the prompts and opened the account. No promotion code was requested or mentioned at all when I opened or funded the account. I believe that this is a very deceptive practice on the part of Ally Bank in order to avoid paying the bonus. I was told by XXXX that other people are in the same situation as I am regarding this bonus. I have saved the email offer and I can forward it to you at your request. I do not know how to do it on this platform.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33026
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Problems at the end of the loan or lease
Subissue: Excess mileage, damage, or wear fees, or other problem after the lease is finished
Consumer Complaint: Ally Financial was the lender used to lease a vehicle from a XXXX dealership where I was told the car would be mine to own after 4 years. I got all the insurance and protection they made me get to protect against damage and I was told it was for maximum mileage. I was not show all the paperwork and the process was rushed along without answering all my questions. The I paid the lease off for the full term and ended up paying much more than what the car was worth! When I returned the vehicle I was told by the Dealer and the Bank that I did not have any more payments to be concerned with. I chased them down for months to try and get a copy of the lease, which they never sent me. after much discussion with the dealer they finally gave me a copy as they were withholding the facts to force me to buy another car, when I was initially told by them that the car would be mine after the lease term and that I would probably even get money back. Ally Bank really deceived me and now I find out that they are trying to charge me another XXXX dollars for a car that I already overpaid for! I do not owe them any money and this debt that they are reporting on my credit report is nothing more than an attempt to bully and extort me of for more money. I do not owe them anything, and the law states they are violating my rights to privacy by reporting this on my credit report. I am a XXXX XXXX injured during the war in XXXX. It is a shameful thing that they would be doing this to me, and they call themselves and Ally?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78665
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: The credit Bureaus are unlawfully reporting unauthorized inquiries on my consumer report! I have sent numerous letters asking them to remove the hard inquiries listed below along with the dates when they were reported : ALLY FINANCIAL XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: VA
Zip: 23503
Submitted Via: Web
Date Sent: 2023-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting on unauthorized inquiry my consumer report. I have not given you permission to access my credit profile and you have r permissible purpose by law to contact third parties with my private or personal information. Yo offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You hav transferred, possessed, or used, without lawful authority, a means of identification Is a felony punishable with Lip to 2 years of imprisonment, in addition to civil liability By obtaining my CREDIT BUREAU consumer credit report on DATE Without my permission or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( 'FCRA '' ) codified at 15 U.S.C 16186 ( 0 ) 3 ( 000. Chesterv. Purvis, 260 F. sup 28711 ( S.D Ind.2003 )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38125
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Ally has not yet gottem back to me they changed the payment due from over XXXX down to {$440.00} in late charges which is unfounded, I I find it disgusting that you allow them to drag thier heals and possibly reporting late payments that are errors on thier part
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07731
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/XXXX, I saw this 1 % bonus promotion on Ally bank website and you can get a Cash bonus of 1 % of the new money you deposit into Eligible Accounts at Ally Bank up to a maximum of {$500.00} cash bonus. FYI, here is the link to the full terms of the promotion on ally bank website : https : //www.ally.com/content/dam/pdf/corporate/offercode/getpaid.pdf? XXXX Here are the basics of the promotion. 1. If you plan on transferring New Money to an existing Eligible Account ( s ) at Ally Bank, you must enroll in this online-only offer here by XX/XX/XXXX. You must use the email address associated with your existing Ally Bank account. 2. If you dont already have an Eligible Account at Ally Bank you must open an Online Savings account, Money Market account, or Certificate of Deposit ( CD ) at Ally Bank using the offer code getpaid by XX/XX/XXXX. 3. Move at least {$1000.00} in New Money from an account at another financial institution into an eligible Online Savings account, Money Market account, or new CD at Ally Bank by XX/XX/XXXX. 4. Keep the New Money in your eligible Online Savings account, Money Market account, or CD at Ally Bank through XX/XX/XXXX. 5. Keep at least one Ally Bank account open and in good standing until we deposit your bonus, on or by XX/XX/XXXX. If youve followed the eligibility requirements, well pay your Cash Bonus on or by XX/XX/XXXX to an Ally Bank account you own. You must have an Ally Bank account open and in good standing at time of the bonus payout to receive your bonus So according to the terms, 1. I opened a new 11-month no penalty CD using the offer code 'getpaid ' on XX/XX/XXXX on ally bank website. 2. I transferred {$50000.00} new money from XXXX XXXX online saving account to this new CD. The new money is available on this new CD on XX/XX/XXXX XXXX. I kept the new CD with {$50000.00} through XX/XX/XXXX and closed the CD on XX/XX/XXXX 4. I still have my ally checking account open Since I completed all the requirements of this promotion, I am supposed to get the maximum {$500.00} cash bonus ( 1 % of {$50000.00} ) on or by XX/XX/XXXX. But I didn't get the bonus as promised on XX/XX/XXXX. So I contacted ally bank on XX/XX/XXXX about this bonus and was told they opened a case and it will take 7-10 business days to investigate. But I still didn't see the bonus after12 business days. I contacted ally bank again on XX/XX/XXXX, this time I was told they have no turn-around time frame for the case and they don't know how long it will take to resolve. I requested to talk their supervisor and the supervisor told me there are more than 1000 people having this issue and they don't know when my case will be reviewed. I asked what " no turn-around time frame '' means, what happens if you will work on this case for a year? The supervisor said it could be and he just don't know when. This is not acceptable. I completed all the requirements of the promotion, so I should get the bonus as promised by ally bank on or by 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: 33463
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Other transaction problem
Subissue:
Consumer Complaint: I initiated a {$2000.00} money transfer to a friend through my bank 's XXXX system. It said they couldn't send it, and I was told to call them to resolve the issue. I called them and after answering all of their many questions to authenticate me, they asked me to provide them with a cell phone number so they could send me a text message. I have no cell phone, and providing them with a cell phone number if I had one makes no sense because that wouldn't be secure since they wouldn't be using a number already associated with my account. Because I couldn't provide them with a cell phone number, they claimed this made it so they couldn't authenticate me, and they told me they were freezing my account and that I would have to call back in a few days ( what would that accomplish? ). Because of this, in-flight checks I had made bounced and I could no longer use my debit card. All of my money was cut off from me. A few days later they emailed me telling me to call them, so I did. They asked me questions such as what was the money for and other infuriating questions. I told them I started the transfer, that I authorize the transfer, that it's my money, and that my friend needs it so I'm trying to send him it. They told me they'd continue investigating, and my account continued to be frozen. A few days later, they emailed me again telling me to call them again, so I did. They asked me even more questions, this time revealing the actual reason for all of it which was that because I was logged into their website from XXXX, they froze the transaction. I fully understand temporarily doing this from a security perspective to safeguard my own money and to make sure no one is trying to steal it, but when I call them and confirm with them that it's okay and that I authorized it and want the transaction to proceed, and they refuse to listen to me even after fully authenticating with them and answering a million security questions with them, that is crossing the line. They're holding my own money XXXX with no way to get access to it now and they have no physical branch locations for me to go to. This is a very authoritarian move. If this kind of behavior has been sanctioned by the U.S. government by law, whether this is the Patriot Act or other such unconstitutional laws, it should be struck down.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: In XX/XX/XXXX, Ally had a 1 % cash bonus offer to its savings account holders, up to {$500.00} maximum amount. The terms were : 1. to enroll by XX/XX/XXXX ; 2. to move new money into the savings account by XX/XX/XXXX ; and 3. to keep the new money in its savings account by XX/XX/XXXX. I satisfied all three terms and even got confirmation emails from Ally, which indicated that I should be expecting to receive my bonus on or around XX/XX/XXXX. When I did not receive my bonus as promised, I contacted Ally about it. At that time, Ally representative created a case, gave me a reference number, and told me that it will take 7-10 business days to review. After 10 business days, I contacted Ally again and was told that it is still under review, no other explanation was given. I asked why it is taking such a long time to review when the terms were pretty simple and straightforward, the representative simply ignored me, repeated that it is still under review, and asked me if there is anything else she could help. I was expecting to hear how Ally is trying to address my concern as fast as they can, but given Ally 's response, I am not sure my issue will ever be resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90016
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I created two accounts ( Checking and savings ) with Ally Bank on Saturday XX/XX/XXXX. On that date I used their mobile deposit process to submit two checks on my XXXX XXXX account. {$2000.00} for the checking account, and {$10000.00} for the savings account. Ally states the checks were posted on the XXXX and came out of my XXXX account that today. Ally shows the balance in my accounts, but does not show it as an available balance. When I reached out to a customer service rep, I was told there was a hold placed on the checks because they were a large amount. Really? $ XXXX is a large amount? Regardless, the csr told me the funds would be available yesterday. They were not, and are still not. I tried to escalate the situation and asked to speak to a supervisor, but received no response. They have had my money since Monday, but for some reason are keeping it unavailable to me. Is it legal to do this? Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 67601
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A