Date Received: 2023-02-17
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have received all statements for the account. However, I did ask for tax documents for 2022 that they refused to give to me. They said because this account was closed due to fraud they will not give me any documents. I did a Trustee to Trustee transfer and also a Direct Rollover. The account numbers are XXXX & another Roth or Traditional account. The contact information with Ally Bank is XXXX XXXX XXXX XXXX, PA XXXX. FYI these are IRA account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85042
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened a new account with Ally Bank on XX/XX/22. Since that time I have been unable to change my statement settings to electronic. I continue to receive an error message telling me my settings could not be saved and to try again later. Now more than 2 months later, this issue is still unresolved. Ally Bank refuses to assist and continues to tell me their tech team ( who they won't let me speak to ) is working on it and IF they receive anything further, they're reach out to me. This is absolutely unacceptable and I view mailed statements as a security issue. I do not want my statements mailed to me, I want them electronically.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92614
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: In XX/XX/XXXX, Ally Bank advertised on the internet with a promotion if a customer open a saving account with Ally Bank and the fund stay there until XX/XX/XXXX Ally Bank will pay 1 % Bonus for the funds moved in there and will get paid 1 % of the fund in the account. So I moved {$50000.00} from XXXX on XX/XX/XXXX and the fund stayed there until XXXX.They do not pay me ( {$500.00} ) as promised. When I called them on XX/XX/XXXX to ask them how come I still have not received my bonus they said it is not new money because I moved the money from Ally saving ( ending in XXXX ) to XXXX and then invest in the getpaid account ( ending in XXXX ). Once the money is in XXXX it is new money. They try to rip me off and not pay me as advertised. This is scam. I am really XXXX and need help. If the do not pay me as promised I will broadcast my experience in the internet and they will lose a lot of business.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95148
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Ally Financial Inc claim to be a creditor to me. I have never had any contact with them in the past. never borrowed from them never received any money from them. they have used my entire TIN no account number in reporting a debt. I LEASED a car from GMAC, I was lead to believe I could purchase the car at the end of the lease. I was denied the purchase of the car due to a couple late payment. I had over mileage fees I payed as much as I could and just could not pay anymore. this amount was removed from my credit. It has been over 8 years since I communicated with the loan company not ally financial. The leased car was about 18 years ago. ALLY financial reported that I owed {$7600.00} I DID NOT OWE THEM ANY MONEY. I owed GMAC FINANCIAL NOT ALLY FINANCIAL.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I contacted Ally for a payment assistance and I submitted the paperwork on XX/XX/XXXX. I called back on XX/XX/XXXX requesting the status. I was told it was approved so I asked about the payment due and was told that because " you attempted a payment and it was rejected that's all we needed so the payment would be added to your next payment due. You do not need to resubmit the payment. '' That immediately sent red flags and I asked for something in writing to confirm that my request was received and approved but I am being denied my request and being referred back to the document I sent in. In XXXX, I went on a payment assistance program for my car and when it was over, there was a lot of confusion because Ally does not send any confirmation out and it's my word against theirs. All I am asking is for a simple letter stating that the payment assistance was received and approved, for the dates, and confirming the amount owed. I even asked if someone could stamp the document I signed and faxed back and I was told no. This is making me uncomfortable because there has to be someone who can provide a confirmation of change especially since this is relating to something financial.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28625
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Money was not available when promised
Subissue:
Consumer Complaint: Around XXXX my wife ( XXXX XXXX XXXX & I attempted a transfer of two IRA 's with XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, SC XXXX. ONE FOR OVER {$8000.00}, THE OTHER FOR OVER {$7000.00} XXXX in her name ( XXXX XXXX XXXX & one in my name, XXXX XXXX XXXX. Lo & behold we found out the bank DOES NOT DO WIRE TRANSFERS! We therefor proceeded to get two bank checks and certify/ Return receipt them to ALLY BANK, XXXX, XXXX XXXX PA XXXX. As of XX/XX/23 date we can not get confirmation these monies are in our account & drawing interest & we fear we may be penalized by the IRS for not having timely transferred funds! Besides numerous conversations with ALLIED & repeatedly reciting their security questions, we still can not get confirmation of our transfer & their receipt of these funds! Today " XXXX '' besides recharacterizing my comments kept insisisting only a call from an accounting person in 1 to 2 days could answer my questions! It has been since XXXX that I began this process- How long do their business operations take??? This is ridiculous, without merit & we may take a tax loss because of their inadequate & improper handling of this transaction! WE STIL HAVE NO RECEIPT OR CONFIRMATION ABOUT OUR FUNDS- ALMOST A MONTH! I have spent over 3 weeks tying to resolve this!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX I traded my XXXX XXXX wrangler in for XXXX new vehicles as a leases. I was financed and approved through Ally Financial from the Dealership where I leased the new XXXX XXXX wrangler. XXXX XXXXXXXX XXXX, XXXX XXXX, MI. I set up my online account through Ally.com after receiving my payment instructions from Ally Financial I the mail, mid XXXX. Seemed odd that it was late, so I made my payment for XX/XX/XXXX & XX/XX/XXXX on XX/XX/XXXX through my XXXX Bank. Representatives from Ally keep calling me telling me they didn't get the payment. Another saw they did get payment but return it. They could not answer why, I asked for a manager, they hang right up. I verified with my Bank 's manager and the car payment was paid to Ally. Ally reps continue to call me daily, caller ID says potential spam. I have been threaten that they would report me to the credit burial and they did. As a result this placed a very negative MARK on me who has outstanding credit. Ally insists I send XXXX XXXX or XXXX XXXX for the NEXT 6 MONTHS. I then received a paper check from what appears to be legit, REFUNDING the amount XXXX PAID. I took it to my Bank to verify if it '' XXXX real. I WAS ADVISED DO NOT CASH IT. It's a scam. I almost sent money via their request to money gram but the clerk at XXXX stopped me, and told me to go back to the dealership, it's fraud. I called the dealership twice leaving voice messages with the Manager of Finance. No return call. I drove up to the dealer ship and went to my sales man explaining with all my documents. He was stumped as well, and told me he would have to get back with me. Meanwhile as I await, my credit has been damaged and I suspect some kind of unlawful actives have taken place using my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48170
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: This complaint regards an online savings account I held with Ally Bank. In XXXXXXXX XXXX XXXXXXXX, I received notice from Ally Bank that they had decided to close my savings account, without stating a reason for the decision. I do not dispute that they were within their rights to do so. On XXXX XXXX XXXX, I received notice from Ally Bank via email that a 1099-INT had been generated for tax year XXXX for interest accrued on my now-closed savings account ( see attached screenshot ). A link was provided in the email to log into my online account to view the 1099 document. Upon attempting to log in, I discovered that Ally had blocked access to the online profile for my closed account ( see attached screenshot ), rendering me unable to view my tax document, which will be necessary before I can file my taxes for XXXX. On XX/XX/XXXX, I placed a phone call to Ally Bank customer service explaining the situation. I was told that they would not be able to restore access to my online banking so I could review my tax document online. I was ultimately given a case number ( # XXXX ), and told to wait for a call-back from their " back office '' to discuss my case. I also verified my physical address for them during this call, so I do not know why they are unable to simply mail me a physical copy of the 1099. 9 business days after that interaction with customer service, I have not received any further communication from them, nor do I have the time to wait on hold for another hour to speak with a representative on the phone, just to be given a runaround again. As Ally Bank has no listed email for customer service correspondence, nor any way to access live online chat without online banking access, I feel this is my only reasonable avenue for a resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2022 I received a promotional solicitation email from Ally bank, where I have many accounts. It solicited me to open another savings account with " new '' money by a deadline date and promised to pay a 1 % " bonus '' in interest on XX/XX/XXXX. I noticed the money was not credited on XX/XX/XXXX ( I had deposited {$6900.00} in " new money '' transferred in from another bank on XX/XX/XXXX in response to their offer ). I called Ally and asked them why the money was not paid as promised. I was told that it should be in the account by end of business on the XXXX, and to check the balance on the XXXX. On the XXXX the money was still not deposited, and after waiting on hold for over XXXX minutes I was told that " they are backed up on payments '' and they don't know when the money will be deposited, perhaps " 7 to 10 business days ''. I told them this was unacceptable, that if I borrowed the money and did not pay interest on time I would be charged additional interest and I expected them to either pay me today or guarantee additional interest including opportunity cost interest ( since interest rates have risen very quickly in the prior 120 days ). Since I have to keep the account open to receive the " bonus '' payment, it means I can not close the account and deposit the money in another account earning the prevailing current rate. I have accounts at XXXX XXXX and they are now offering 5 % for 11 months, considerably higher than this account is paying. I asked for a supervisor and was told the same nonsense about being " backed up '' in the " promotions department '' - this is an interest payment, and will be reported as such on a XXXX at the end of the year. Interest is paid on a timed basis, so delaying payments is a blatant violation of the agreement they made. If I do not have the ( {$69.00} ) promised bonus on the due date of XX/XX/XXXX, and do not have the option to re-invest the {$6900.00} ( plus intervening interest paid during the 120 days ) in another ( higher-interest-paying ) account, this amounts to theft. Ally pays interest on savings accounts every month on the statement date, like clockwork, programatically. It is not acceptable that they are " backed up '' because they solicited the money and then did not programmatically pay the " bonus '' - since this promotion allowed up to {$500.00} in interest to each customer, if they are " backed up '' it means they took in a LOT of money under this promotion fraudulently, and are now attempting to not honor the agreement. With interest rates rising monthly, they are essentially increasing their own " float '' margins on the backs of customers. Thank you for your help in pursuing this claim, federally-underwritten banks should not be taking advantage of customers like this. In a short time I will be retired and relying on fixed income like interest to live, and this sort of breach of promise should be punished severely. Multiply this over the thousands of customers who participated, and the amount of money they are stealing here is non-trivial.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My car that was financed through Ally Financial was totaled in XXXX, 2021. My insurance company XXXX XXXX XXXX paid off the balance on XXXX/XXXX/2021 ( XXXX ) After Ally was paid, as noted on the XXXX XXXX report, they reported to the credit reporting agencies that they had repossessed the car. My credit score dropped severly and I have been denied credit several times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78526
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A