Date Received: 2023-01-19
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I applied for an Ally XXXX XXXX XXXX credit card on XX/XX/2022 through my XXXX account, and I earned approval for a {$3000.00} credit line the next day. The confirmation email sent on XX/XX/XXXX said that it'd take 7-10 business days for my card to arrive in the mail, but that they were " experiencing delays '' but I'd receive notification if and when my card ships. It is now late at night on XX/XX/XXXX - ten full business days later - and I have received no shipping confirmation for my card. Ally has no way for me to email them, and thus I am not able to establish a paper trail. They are the only credit card I have seen so far that has no way for customers facing difficulty to email all of my other cards allow for that. I hope this gets fixed for the sake of their costumers. That being said, I called to ask when my card would get shipped on XX/XX/XXXX, and I was told that my card is in the process of getting made and received an apology for a delay due to " a third party vendor '' making a mistake. When I asked for an estimation of when my card would arrive, the customer service representative at Ally could not offer that to me. I understand delays, but a lack of timeline was alarming. In short, I was approved for a line of credit, and it appears that I will not be able to access this credit line indefinitely due to Ally 's inability to manage the vendor that manufactures their cards. It is unhelpful to anyone trying to financially plan to not know indefinitely when they can access a line of credit that they applied for. I feel deceived if I had known the length of time it would take to receive my card so I could use it, I would not have applied for this particular financial product and sought out an alternative.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23059
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: As a longtime loyal customer of Ally bank on XX/XX/XXXX I received email from them offering to open a new account and deposit new money, and in return to get 1 % cash bonus up to {$500.00}. They also outlined all conditions in order to be eligible for this bonus. XXXX was to keep the money in the account through XX/XX/XXXX, and another was to keep account opened until XX/XX/XXXX. On XX/XX/XXXX, I opened XXXX new accounts : XXXX individual and one join with my wife. The same day I received XXXX emails from Ally bank confirming that both accounts were successfully opened. After that I transferred new money to the new accounts. On XX/XX/XXXX I received XXXX emails from Ally bank confirming successful transfers and deposits. On XX/XX/XXXX ( today ) I called to Ally bank to clarify the time of receiving the cash bonus. However, I was told that at the time of accounts opening, I had to receive email with a confirmation of the bonus, which I didn't received. Therefore, I will probably not receive the bonus. I have absolutely clearly met all bank eligibility requirements outlined in the offer. Therefore, I feel that Ally bank misled me and probably other customers, and must pay a bonus of {$500.00} for both of my accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60089
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
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: Leased a XXXXXXXX XXXX from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Returned the vehicle on XX/XX/XXXX. However dealer reported my return date as XX/XX/XXXX. Ally wanted XXXX. XXXX from me. Called Ally lease collection and provided the odometer reading slip, XXXX plate slip, etc to show the vehicle was returned on time. From XX/XX/XXXX to XX/XX/XXXX, emailed and called Ally lease recovery person XXXX many times. Each time she promised to solve the problem with a couple of weeks. Yet problem was never solved and they just sent me a letter and threatened to damage my credit. Documents were first provided by wife, then by me. Then they wanted the dealer to submit it. Dealer confirmed submission to the remarketing team. XXXX never replied any email, and said she does not work with emails. I called and got lies and empty promises. All email correspondence from day XXXX with XXXX and XXXX XXXX XXXX are available. Account number is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had an auto loan with Ally Financial ( Ally ). Ally unlawfully repossessed my vehicle. I never had any late or missed payments. Ally never sent me the legally required notices pursuant to UCC and other relevant state laws. Of the notices i did receive, these notices were late, pursuant to state law. The post-judgement notice I did receive was also defective. I filed complaints against Ally on innumerable occasions, however, Ally attempted to escape accountability. Contemporaneously, a multi-district class action lawsuit was filed against Ally for the same complaints I experienced. Ally knew they were guilty and settled the lawsuit and deleted the unlawful repossession from my credit reports, however, Ally has failed to send my settlement check. I am a member of the class action and did not opt-out. I am legally entitled to my check for damages, yet Ally has breached their settlement agreement by not sending my payment which is meritoriously owed to me. Ally Financial , Inc. class action Ally Financial Inc. v. XXXX Case No. : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90047
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Ally Bank regularly blocks my access to my account. I have complained to the Bank several times, most recently on XXXX XX/XX/2023, but the problems continue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Ally financial is reporting wrong closing date on the report. It has been closed since XX/XX/XXXX, they have reported to XXXX and XXXX as closing date XX/XX/XXXX. It has caused my credit score to lose 70 points. I tried reaching out to the Financial instatution and they do not want to provide me with any information. I also contacted both credit bureaus. XXXX has corrected my score, XXXX has not. Below is the information gathered from my XXXX report. Your ALLY FINANCIAL payment history has changed Your account payment history was updated. Here 's what changed : XX/XX/XXXX - Unknown XX/XX/XXXX - Current XX/XX/XXXX - Current XX/XX/XXXX - Current XX/XX/XXXX - Current XXXX XXXX - Current XX/XX/XXXX - Current XX/XX/XXXX - Current XX/XX/XXXX - Current XX/XX/XXXX - Current XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XXXX XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XXXX XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XXXX XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown XX/XX/XXXX - Unknown Here is what your payment history showed before : XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XXXX XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XXXX XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XXXX XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XXXX XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off XX/XX/XXXX - Charged Off Nice! It looks like your payment history was updated or corrected. The more on-time payments you have, the better.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX ally financial finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries from unknown times same day by some one else
Company Response:
State: RI
Zip: 02895
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: my loan payemnts wrong still trying get this fix. I paid {$3800.00} in XX/XX/2022 which was told on recorded line that can be trace n replayed. XXXX, XXXX, XXXX paid and XX/XX/2022 will have a $ XXXX to be paid then back to regular payments in XX/XX/2022. somehow somebody put the money to everything but my upcoming due dates which we both agreed on. they lied and repo the car
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38135
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: My son purchased a car from XXXX XXXX XXXX in XXXX Ohio about a year ago. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. This dealer is part of a larger group of dealerships all under XXXX XXXX XXXX based in XXXX. Long story short, my son and I traveled from XXXX XXXX to XXXX OH to buy a used car from XXXX XXXX. We only made the XXXX hour XXXX XXXX because my son filled out a credit application online and I was included as cosigner, and they told us we were pre-approved. He was having a difficult time because his credit wasn't very good and he just turned XXXX. First, and unbeknownst to me, the finance department made me the buyer and my son the co-buyer. We told them that I'm only cosigning for my son, several times. We spent a couple of hours with the sales person and were concerned we might have a difficult time driving home from XXXX to XXXX due to the change in the weather. Then suddenly, we were whisked into the finance department. There were so many documents to sign, it was very difficult to interpret what all of these meant as they shoved a pile of papers to sign and we were never told that I was to be made buyer. I thought I was signing as a cosigner. We later found out that we also paid for a XXXX XXXX " appearance warranty '' for {$240.00}. I'd never pay for this. We had numerous conversations with the dealer because we had a XXXX hour trip and didn't want any snafus. My son was clearly the buyer. No way would we have committed to all of this if we knew I was the actual buyer. In fact, I've used Ally before for a car loan in the past and was never even late on one payment. My son hasn't driven the car in over XXXX months. It's just parked and in the same condition as when we purchased it save for about XXXX miles. The attached communication clearly shows that the car dealership knew my son was the buyer before the purchase and before that we made the long drive. To make matters worse, however, they sold us a car with a significant performance-based modification. They never disclosed this. We're not mechanics, I can't open the hood of the car and determine if there had been modifications. They certainly knew it and admitted as much just a few weeks ago. So, my son drove the car back to XXXX and I followed him in my car. After a few weeks of driving, a mechanic told my son, " that's really loud, you may have trouble getting the car inspected. '' He looked under the hood and told us this car had been modified. We looked into it further and compared my son 's car to others of the same year/model and it was definitely different under the hood. So, now my son tries to sell it and he can't. Potential buyers won't touch it for several reasons, the primary one being the engine compartment had parts that didn't seem stock. Also, others commented that a street racer probably owned this car and had it modified. My son never got the car inspected or registered because he was afraid of assuming any liability. Then, about that same time, months ago, my son lost his job and couldn't keep up with the payments to Ally Financial, the auto lender. So now, Ally might repossess the car. We communicated this to Ally but I'm not sure they care. Keep in mind that, since they have me as the buyer, my credit score is taking another hit as is my son 's. XXXX XXXX XXXX refused our offer to just turn it back into the dealer and walk away. We just wanted to be made whole. Eventually, they did offer to buy it back between $ XXXX and $ XXXX. Keep in mind, we had purchased it less than a year ago at around $ XXXX. T We don't want this to happen to others and would appreciate your involvement. I can give you all of the details.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/2022, my card with Ollo was charged {$660.00} from XXXX. I called into Ollo on XX/XX/XXXX, and told them that I did not authorize the transaction. They did a temporary adjustment, cancelled my card and sent me a replacement. On XX/XX/2022, they recharged my card for the {$660.00}. I called back into Ollo customer service and they said that they declined the dispute because I kept using the card after that specific transaction which I did not. They had sent me a NEW card that I was using since I called in about that charge, but I did not use that card with the disputed transaction since it was lost. My credit limit for the card is {$1000.00}. When they allowed that charge, the balance was {$960.00}. After the charge, the balance was {$1600.00}. I have been paying XXXX XXXX XXXX XXXX every month and have not been able to use it since they recharged the account with that charge in XXXX. They are calling me everyday because the payments I have been sending since XX/XX/2022 are not enough for the {$1600.00} balance. But I did not authorize that charge nor did I have a rental with XXXX. They have been charging me $ $ $ late fees every month and are now reporting to the credit bureau that I am late on payments. XX/XX/XXXX {$27.00} late fee XX/XX/XXXX {$40.00} late fee XX/XX/XXXX {$40.00} late fee XX/XX/XXXX {$40.00} late fee XX/XX/XXXX {$40.00} late fee XX/XX/XXXX {$40.00} late fee XXXX XXXX charge of {$660.00} needs to be reversed because I did not authorize the transation. & I'd like the late fees and interest to be refunded to the card and the mark on my credit report removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76208
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A