Date Received: 2019-02-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer 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
State: PA
Zip: 19040
Submitted Via: Web
Date Sent: 2019-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-24
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer 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
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-02-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-24
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer 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
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-02-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-25
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have a auto loan with Ally Bank. My auto payment ( contractually agreed upon at time of leasing in XX/XX/XXXX ) was increased by {$3.00} per month with no reason given by Ally some time in XX/XX/XXXX. I was never informed. Months later, once it accumulated to {$27.00}, I began receiving calls incessantly from Ally and did understand why. I finally spoke to a representative and they explained that my account was delinquent and past due {$27.00} which would be reported to the credit bureau and adversely impact my credit if I did not pay right away. I was furious as I pay {$280.00} automatically on time every month. I asked the Ally representative to simply take the payment over the phone and they told me I could not. I asked them to just take it out of my auto payment ... they told me they could not. I asked them to push balance month to month so that the additional charge would be paid in my lats auto payment. They said they could not do that. They told me to go online and log in and change my auto payment. I have tried SEVERAL times and can not do this online. I finally gave up and made a manual payment online on XX/XX/XXXX in the amount of {$27.00} in addition to my auto payment. Since I can not log on monthly to pay {$3.00} so that my account is not delinquent, I am collecting a late fee of {$4.00} every month in addition. I am certain I am not the only one they are running this scheme on ... What they are doing this is making it inconvenient for me to pay an arbitrary, nominal increase to my loan which results in a late fee. They are making {$7.00} off of me monthly and I have no control. They are counting on me to not log on every month to pay {$3.00}. I don't know how this practice is legal. I still do not know why my monthly was increased by this amount. I have written emails and I have left messages, I have threatened to sue and no response. Please help me stop this!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90034
Submitted Via: Web
Date Sent: 2019-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-20
Issue: Managing an account
Subissue: Banking errors
Consumer 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
State: CA
Zip: 92692
Submitted Via: Web
Date Sent: 2019-02-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-19
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer 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
State: AZ
Zip: 85008
Submitted Via: Web
Date Sent: 2019-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-19
Issue: Managing an account
Subissue: Fee problem
Consumer 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
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2019-02-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-19
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer 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
State: TX
Zip: 762XX
Submitted Via: Web
Date Sent: 2019-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-18
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer 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:
State: PA
Zip: 161XX
Submitted Via: Web
Date Sent: 2019-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-17
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer 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
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A