Consumer complaint received 2023-05-30
Company: ALLY FINANCIAL INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Letter for Ollo Bank XX/XX/XXXX ATTN : Disputes Department The three charges that I need re-opened on case XXXX, and thoroughly analyzed for the three specific charges in question ( four if we dispute the writing service on XXXX ) ... the fact is I have not been provided the services included on this page and furthermore, they are for FUTURE services and that is unfair, unethical, unprofessional, and should be illegal to hold on to my money for : a. Services not fulfilled within timeframe of one month, and b. Services to be fulfilled for future books! If I am done with you then I do not want my money to be held for something I paid you to do in the future. We did not sign any contract! And I was told in writing ( on email for Book Marketing proposal ) and by phone- MONEY BACK GUARANTEE. 

On XX/XX/XXXX, I paid {$1400.00} to go towards the $ XXXX XXXX XXXX marketing program that promised to sell me XXXX copies in 12 months or my money back. I have not even sold XXXX copies by XXXX and when I expressed my dissatisfaction with this service in XXXX, the merchant refused to give me my money back. I have already provided evidence showing what XXXX XXXX I paid for ( guaranteeing XXXX copies within the time frame amongst a host of other services yet to be completed but still being promised to me by XXXX ). 

On XX/XX/XXXX, I paid {$3200.00} for an ADDITIONAL marketing program for XXXX months beginning in XXXX ( receipt provided ). This is the biggest red flag for all purchases. I was promised to make $ XXXX for XXXX months in this marketing program. The payments were supposed to start around XX/XX/XXXX and when they never came, I asked XXXX why the service was not fulfilled and delivered, and he only offered an apology and offered to move money towards book writing services for Book XXXX and XXXX. However I became displeased with XXXX XXXX mediocre writing, so why not refund me for future services that I have paid for in advance? I asked for a refund eventually after continued disappointment and failed marketing attempts, and he said he could not because I expressed my satisfaction, however, this is a contradiction because I brought dissatisfaction to him on this instance and another with book XXXX writing to him via text and his assistant XXXX by email. ( See snippet below ) Additionally, the proposal says MONEY BACK GUARANTEE. This is an example of his greed and unprofessionalism. There is no reason to hold on to money for advance services when he could not even fulfill on XXXX XXXX and XXXX services. The writing was so bad and slow, we only got to Chapter XXXX out of XXXX, and this XXXX book project was paid for in XX/XX/XXXX and was supposed to be completed by XXXX. When they told me they had to break the books into XXXX writing projects ( not written together as originally promised ), book XXXX should have been completed 30 days later by the end of XXXX. However XXXX XXXX only got finished by the end of XXXX and my first sale was on XX/XX/XXXX. But again, I was supposed to be having a vigorous marketing campaign that was to make me {$2500.00} a week, but I have only grossed around {$1000.00} by XXXX ( when my sales stopped ) ..and only sold about XXXX copies ( out of the XXXX I was promised within 12 monthsvery frustrating!! ) For final charge on my card, I paid {$200.00} on XX/XX/XXXX to go towards an audiobook for Book XXXX ( yet to be worked on or written ). Again, this money is for XXXX XXXX does he need so much money for book services that are future deliverables, when book XXXX and XXXX have yet to be done audibly? To this day, I have no proof of an audiobook for completed book XXXX I have paid for XXXX XXXX, XXXX, and XXXX audiobookshowever he has an issue with refunding something we have yet to complete? Sounds greedy and fishy to me. I should get my money back for services not done ( Book XXXX ) and yet to be completed ( XXXX XXXX, XXXX, and XXXX )!! 

Lastly I want to point out that I was talking to XXXX almost every day. And if I was not reviewing my chapters, he was marketing to me, promising me big dreams, selling me more services that were supposed to make me some rich and famous author. While in the beginning, the writing was good, and then I saw my own website, so the company seemed legit and well-to-do so I went along. I was content and approved writing for book XXXX, but the writing services ARE NOT BEING DISPUTED. Even though I paid for XXXX books to be written originally in XXXX with XXXX card on XX/XX/XXXX for {$1300.00} with Sr Consultant XXXX XXXX, and we have NOT finished Book XXXX due to my dissatisfaction, I still did NOT dispute this charge. But after seeing how XXXX is attempting to fight me for this, I should dispute for half of that because all of the writing was not done, but I am not greedyI only want what is right and what is mine. Additionally, when he saw I was disputing, he asked me to drop disputes and he would refund me on the marketing end ( text attached ) ; but I would be taking a big risk and chance if I did that right? When I noticed that the marketing never took off the ground for me and I wasted an additional $ XXXX on XXXX the proof being in the failed marketing and my low numbers of copies sold and income grossed, topped with the mediocre writing for Book XXXX is when I realized it is time to get out of this bad business relationship! He called me right away when I emailed him to request for refund and spoke to me trying to plead with me but said he would honor my refund as he mentioned before and in writing. But then he came back with a nasty email later saying I was satisfied and he could not honor..that does not even make sense!! 

He is leaving out key information in this email to make himself look good. Why would I invest $ XXXX in marketing service, only to get $ XXXX back. The part that he leaves out is the part where he says that I will make $ XXXX with the XXXX additional ( XXXX marketing plans that I bought ). But please read between the lines, I have no reason to lie on a company that I have invested so much in for the betterment of myself and my financial situation. 


I spoke with XXXX today and she said they would open back up my case granted I give them a letter to disputes department. I am just going through this with so many banks right now and it is frustrating because I have provided thorough details... but I did some more digging and provided more evidence and hope this can help with a resolution. Suing this company out of state would be a last resort along with bankruptcy. I do not mind sending Ollo my entire log of text messages that XXXX and I have exchanged, because I have nothing to hide and I need you to see the deception going on. I am a very friendly girl but as you see in this case, your kindness can be taken for weakness and XXXX used my friendliness against me in the end, claiming that he was my " friend ''.

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