ALLY FINANCIAL INC

2019-02-24

Jersey City, NJ

Managing an account

Checking or savings account: Savings account

Funds not handled or disbursed as instructed
Complaint: I joined Ally 's payback promotion in XX/XX/XXXXand I had confirmed with several representative that I would be eligible to get the full {$1000.00} bonus if I make {$100000.00} deposit into the account after I enrolled into the promotion. It would not matter if I withdraw any money before the enrollment. Due to this fact, I decided to enroll the offer and kept the money in the account for 3 months. However, I only received {$740.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-02-24

Ridley Park, PA

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: Hard inquiry listed on credit report from XX/XX/18. Do not recognize this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-02-24

Jersey City, NJ

Managing an account

Checking or savings account: Savings account

Funds not handled or disbursed as instructed
Complaint: I joined Ally 's payback promotion in XX/XX/XXXX and I had confirmed with several representative that I would be eligible to get the full {$1000.00} bonus if I make {$100000.00} deposit into the account after I enrolled into the promotion. It would not matter if I withdraw any money before the enrollment. However, I only received {$660.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-02-23

Orion Twp, MI

Incorrect information on your report

Vehicle loan or lease: Lease

Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-02-22

Los Angeles, CA

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-02-22

Foxridge, MD

Attempts to collect debt not owed

Debt collection: Auto debt

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-02-22

Arcadia, CA

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Funds not handled or disbursed as instructed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-02-21

Opening an account

Checking or savings account: Other banking product or service

Unable to open an account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-02-21

Arsenal, PA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-02-20

Foothill Ranch, CA

Managing an account

Checking or savings account: Savings account

Banking errors
Complaint: I was promised by Ally Financial bank a 1 % cash back bonus if I opened up a new account or deposit money to an existing account. I did so by depositing XXXX into a new account ending ... XXXX on XXXX ( before the dated line of XXXX ). I also received a confirmation email of that on XXXX confirming my enrollment before the date line of XXXX XX/XX/XXXX. I followed all the requirement of outlined on the email of XXXX and yet I did not receive the {$1000.00} cash back bonus by XX/XX/XXXX as promised on that email. I have called them several times on this issues, despite the fact that they confirm my qualifications for the cash back bonus, yet they say it would take 7-10 business day to do research on the reason why you have not been paid. Exh. 2 is a chat print of an ally agent with me on XX/XX/XXXX in which it is stated that I have been qualified for the cash back bonus and that it would take 7-10 business day to get the money. However, this sounds to me fishy as to why it should take 7-10 business day to deposit the money into my account while it was supposed to be done by XX/XX/XXXX. I ask them to pay the bonus and then do your research about your software problem. They are not listening and bushing me around.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-02-20

Cumming, GA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-02-19

Key Biscayne, FL

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-02-19

TX

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: I have paid {$500.00} toward my principal only payment to Ally finance and every time I make a payment they do not put it on principal only. I have contacted them by phone every time I have paid and told them this is for principal ONLY and they will not put it toward principal. They say they are and they do not. Payments made for principal XX/XX/2019 ... ... ... ... ... {$100.00} XX/XX/2019 ... ... ... ... ... {$150.00} XX/XX/2019 ... ... ... ... .... {$50.00} XX/XX/2019 ... ... ... ... .... {$200.00} I think they are taking advantage of an XXXX woman.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-02-19

Phoenix, AZ

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Complaint: I have been experiencing major hardships due to medical bills for my XXXX year old daughter. I am a single XXXX mother with no other monetary assistance except what I earn. My daughter has been in and out of the hospital and I have been laid off work due to excessive absences because of her illnesses. In the course of this loan, I have given you {$3500.00} for my now repossessed car. I managed to pay this in spite of all of my difficulties. However, I can not at this time catch up my payments and I see that your fees continue to escalate. I am not currently in a position to pay off this loan and the loan payoff amount is more than what I originally bought the car for. This is a terrible hardship for me and I have requested to have the loan canceled but can not speak to anyone " in charge '' at this " bank ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-02-19

CT

Managing an account

Checking or savings account: Savings account

Fee problem
Complaint: I deposited funds totaling {$40000.00} to qualify for Ally Bank 's 1 % extra back up to {$1000.00} on new money deposited program. I met all of the qualifications and the bonus was not paid. I called Ally on XX/XX/19, and they were not able to pay the required bonus by XX/XX/19, nor were they able to tell me why. XXXX XXXX Phone number XXXX The accounts involved Account # XXXX Account # XXXX Please help me. XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-02-18

PA

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: It took 4 months for Ally Financial to deny my loan. They scheduled closing dates then said my loan was denied. From XX/XX/XXXX to XX/XX/19. Continue to lead me on that thry only need more info. 4 months later. Still verifying my employment Every week underwriting changed criteria and needed more information for my application. I was pre approved in XX/XX/XXXX. Always excuses no reply rude employees not finishing my application. Then time affected my loan credit score and I was denied. If they would have processed my loan in a timely fashion I would be in a home. Now I cant go any place else XXXX XXXX ruined my chances for my loan.
Company Response: Closed with explanation

Timely Response

2019-02-17

Lewisville, TX

Communication tactics

Debt collection: Auto debt

You told them to stop contacting you, but they keep trying
Complaint: XX/XX/19 @ XXXX i got a call from one of my tax clients XXXX XXXX that she got a call a XXXX at ally financial stating that i used her as reference on my credit application. This statement was false. She stated that she wanted to leave a message for me to call her. This has damaged MY credibility with my clients and put a strain on my business.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-02-17

Hamburg, NY

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: On XX/XX/19 XXXX XXXX at Ally Financial advised me to pay off {$10000.00} worth of debt. I advised him that if I did this then I would not have {$21000.00} in my bank account, XXXX then said we could lower the down payment to {$6500.00} and this would fix the issue. I advised XXXX this was all the money I had to work with, and he assured me this would fix this issue. So under the advice of XXXX, I paid off {$10000.00} worth of debts. There was no issue until XX/XX/19 when XXXX called and told me that underwriting needed more money in my banking accounts. When I advised him this was the exact thing we talked about, and theres no way Im going to cash in my stocks and lose money when this was never the agreement we made. I told XXXX we are going to leave this bank, and I wanted to speak with his manager, XXXX assured me his supervisor would contact me the next day, which did not happen.
Company Response: Closed with explanation

Timely Response

2019-02-16

Orlando, FL

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-02-16

Brookside, NJ

Getting a loan or lease

Vehicle loan or lease: Loan

Fraudulent loan
Complaint: My credit was used in a fraudulent transaction at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, New York XXXX. The date was XX/XX/2019 and the application number is XXXX. The car was XXXX XXXX XXXX. I did not make this purchase.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-02-16

Queens, NY

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Banking errors
Complaint: I enrolled in Ally Bank Payback Time Promotion on XX/XX/XXXX. Opened a new CD account on XX/XX/XXXX then funded it will {$40000.00} new money on XX/XX/XXXX. Per Ally Bank promotion term, 1 % cash bonus will be deposited by XX/XX/XXXX. I contacted Ally Bank phone customer service representitive on XX/XX/XXXX and XX/XX/XXXX and received verbal confirmation of {$400.00} cash bonus each time. I also had an online chat with Ally Bank XXXX and received written confirmation stating that {$400.00} bonus will be paid on XX/XX/XXXX. However, seeing no deposit in my account on XX/XX/XXXX, I initiated another online chat but the Ally XXXX was in total denial of the bonus payment. All records are attached here.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-02-15

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-02-15

Astoria, NY

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-02-14

Opening an account

Checking or savings account: CD (Certificate of Deposit)

Didn't receive terms that were advertised
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-02-14

Lynn, MA

Problem with a credit reporting company's investigation into an existing problem

Vehicle loan or lease: Loan

Their investigation did not fix an error on your report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response