Consumer complaint received 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
I opened account on XX/XX/XXXX using promo code XXXX and made XXXX direct deposits as required over the next XXXX months. Bonus did not post. I requested someone to look into it. Was told my account was opened on XX/XX/XXXX and they ended the promo early, so I wasn't going to get the bonus. 

Chat logs with company representative : [ Ally Bank ] Thanks for waiting! To receive the bonus you must open your new Spending Account by XX/XX/XXXX. There is no minimum initial funding amount ; however, the new account must be funded within 30 days of account opening. The initial funding does not need to be the XXXX XXXX XXXX and it may need to be from another source due to timing. 

To receive the bonus, you must set up a XXXX XXXX XXXX ( XXXX ) that totals at least {$1000.00} per month for XXXX consecutive months deposited into your Spending Account. The first monthly QDD of at least {$1000.00} must post to your Spending Account within 60 days from when you open the new Spending Account and then for XXXX additional consecutive month. The XXXX must post to the same Spending Account each time throughout the duration of this offer. The Spending account must be opened by XX/XX/XXXX. 

Accounts that aren't eligible for the cash bonus are any account other than a Spending Account, including, but not limited to, Ally Bank XXXX XXXX, Money Market Accounts, Certificates of Deposit ( CDs ), Individual Retirement Accounts ( IRAs ), accounts owned by a trust, Uniform Gift to Minors Act ( XXXX ) accounts, Uniform Transfers to Minors Act ( UTMA ) accounts, and other fiduciary accounts. 

Please note that this promo is only for someone who does not currently have, nor has ever had, an Ally Bank Spending Account ( XXXX ) ( formerly known as Ally Bank Interest Checking Account ), at any ownership level, whether it be as a primary owner or joint/secondary owner. 

The Ally Bank Spending Account must be open, not restricted ( e.g., not flagged for fraud ), and not have a negative balance at the time of bonus payment to be considered in Good Standing. 

The Qualifying Direct Deposit needs to be an electronic deposit from an employer payroll, payroll provider service, or benefits payer ( such as Social Security or Military Pay ) and must be clearly identifiable by Ally as such. Person to Person payments ( such as XXXX ) are not considered a QDD. ACH transfers from an account you have at another financial institution or internal transfers from another Ally Bank account are not considered a QDD. Electronic check deposits made via your device ( eCheck ) are not considered XXXX. 

[ Me ] I have met all of those requirements. Opened XX/XX/XXXX QDD on XX/XX/XXXX and XX/XX/XXXX [ Ally Bank ] Upon checking you opened your on XX/XX/XXXX. Just to clarify this offer is closed to new participants as the account opening period ended on XX/XX/XXXX. 

[ Me ] The terms you posted say that XX/XX/XXXX is acceptable [ Ally Bank ] We understand your frustration and apologize for any inconvenience. Due to an overwhelming response, we had to end the promotion earlier than expected. We appreciate your interest and encourage you to stay tuned for future promotions.

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 monetary relief