ALLY FINANCIAL INC.
Consumer Complaints
There are over 6232 complaints on file for ALLY FINANCIAL INC.. Dated between 2019-12-16 and 2012-03-09.
Complaints Page 11
2019-09-23
Hialeah, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: Deleted completely from my file that was the agreement not to come out on my report. Now it shows again on 3 credit report. I was was a breach on XXXX that is how I find out that is on my credit report again Ally sold this acc to another company that want to charge me again XXXX went this acc is close by ally .Now ally they sold this acc to another company and I never did a contract with them or know who are they? and they keep calling me at all time. That car loan was my ex that add me on that loan on the past. See the amount XXXX and more on my report. So you see they close the acc? Now is report again same loan with XXXX some else please go over this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-22
Atlanta, 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
Complaint: In XXXX of 2018 I paid off an auto loan with Ally financial. I called and received emails for the payoff amount two weeks and up to the day I paid them them the balance. I received the title and a check for the overpaid amount. In XXXX they reported me 30 days late and continued to report this. Ive called them several times and the issue has not been resolved. Ive hired XXXX XXXX to resolve the issue and have lost an additional XXXX $ to them. How can I resolve this issue?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-22
ME
Struggling to pay your loan
Vehicle loan or lease: Loan
Denied request to lower payments
Complaint: My husband lost his job and i contacted Ally Financial to possibly extend late payments to the end of the loan. I was told i did not qualify. I received a Notice of Default and right to cure loan letter i made one monthly payment as well as the late fees totaling {$700.00} on XX/XX/XXXX. I was still 2 months behind coming up on 3. I have since made arrangements with other creditors who were more than willing to work with me including entering a modification with my mortgage. I am struggling due to a temporary financial hardship and the only creditor that is not willing to work with me is Ally Financial? I obtained the loan back in XX/XX/XXXX and i am looking to keep the vehicle and i am trying to avoid filing bankruptcy. My husband has since gotten a new job and we are making an effort to get caught up, However we are unable to come up with 3 payments. Past due balance as of this complaint is {$2000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-20
Traver, CA
Managing an account
Checking or savings account: Checking account
Problem accessing account
Complaint: On XX/XX/XXXX my husbands card was declined while trying to make a purchase. We contacted ally and they wanted to verify a transaction that was done around XX/XX/XXXX. We confirmed it was our charge and they fixed the error. On XX/XX/XXXX, my husband went to make a purchase and was declined again. He tried to access the mobile app to see what was going on and was denied access. We called customer service and they stated they could not tell us why as it had been assigned to special agent customer service and they could only contact us is 1-2 business days. We informed them this was unacceptable as we had plans for the weekend and needed access to our accounts. They refused to help stating they did not have access to what was going on with out account. There is plenty of money in our account, we were not notified they were restricting access and now we have to cancel our plans for the weekend because of some unknown error on their part.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2019-09-20
Miami, FL
Managing an account
Checking or savings account: Savings account
Problem accessing 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
2019-09-20
Getting a loan or lease
Vehicle loan or lease: Loan
Fraudulent loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-20
Wonder Lake, IL
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with additional products or services purchased with the loan
Complaint: I refinance my auto loan with XXXX XXXX in XXXX. Ally Financial whom was the original lender sent a letter dated XX/XX/2019 stating my loan had been paid off and my gap warranty was cancelled and i should receive a refund within 60 days. I called Ally Financial in XXXX around the XXXX and inquired on the refund and they stated that they needed to research and would call me back. The following day i received a call from Ally and the agent stated that they had contacted the dealership ( XXXX XXXX ) and were advised that the warranty had been canceled and i had already been reimbursed and I should contact the dealership directly. I told the agent I never received anything and if I had I would not be calling. I emailed XXXX XXXX who handles warranty cancellations for XXXX XXXX and explained the situation and attached a copy of the letter I received from Ally for her review. XXXX responded right away and stated she would forward the email to the Warranty cancellation clerk. On XX/XX/XXXX I emailed XXXX and inquired if she had any updates and she responded and stated she would follow up with the accountant and would get back with me in a few days. I never hear back from her. I followed up again on XX/XX/XXXX and XX/XX/XXXX with no response. On XX/XX/XXXX I followed up once more and stated I would be filing a complaint with the CFPB if I did not hear back. It is already XX/XX/XXXX I have not received a response nor a check for the gap cancellation. I don't know what else to do at this point.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-19
AL
Improper use of your report
Vehicle loan or lease: Loan
Credit inquiries on your report that you don't recognize
Complaint: On XX/XX/2019 my credit was fraudulently ran twice from this agency without my permission or consent. I have been a victim of fraud and Identity Theft. On XX/XX/2019 I signed up for XXXX XXXX because I have received several letters for credit that I had no knowledge of and to have a better understanding I needed to know what was reporting on my credit file. I immediately called the company phone number listed on the correspondence only to be transferred to and from numerous departments being left on hold and then the phone being disconnected but promised a transfer to someone who I can report this fraud. I am desperately seeking someone to help me with this matter because its obvious they will continue to ping pong with me because it isnt them and they probably could care less because the fraud is not happening to them and its not fair.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-19
Middleburg, FL
Problems at the end of the loan or lease
Vehicle loan or lease: Loan
Unable to receive car title or other problem after the loan is paid off
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-19
Wattenburg, CO
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. i tried disputing it because i had paid it and it was their websites problem and not mine but they refused to remove it. Please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2019-09-19
Pasco, WA
Managing an account
Checking or savings account: Other banking product or service
Problem using a debit or ATM card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-09-19
MO
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: On XX/XX/2019, I scheduled an online payment to be posted to my account on XX/XX/XXXX. Apparently I was late on my payment for the month of XXXX. XX/XX/XXXX, I get a notification email from my credit motoring service showing I have negative payments on my account, showing that I was 30 days late on my payment for the month of XXXX and 30 days late for XXXX ( my score dropped 41 points ) .Today XX/XX/XXXX I check my auto account to find my payment was re-scheduled for XX/XX/2019. I contacted the bank about this error on my report and they were not willing to correct it. I'm at the end of my loan with 7 payments left and have not missed a payment in the last 2 years.the only thing the bank was concerned with was paying late fees. I believe this was an error due to the banks online system. This error that changed my credit rating in which I had plans to buy a house in the next few months will have a negative effect.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-18
Foothill Ranch, CA
Managing an account
Checking or savings account: CD (Certificate of Deposit)
Deposits or withdrawals
Complaint: On XX/XX/XXXX at XXXX, Pacific Daylight Time, I called the Ally Bank customer service department XXXX to inquire about the beneficiary listed on my two certificates of deposit. Each year I review my financial plan as I am XXXX years old and in poor health, to make sure all my records are up to date. After asking my identity and confirming same, I was placed on hold for 15 minutes after which a different representative came on line to advise she could not reveal that information. When asked why, she could give no answer, After being placed on hold for another 30 minutes, a supervisor came on the line and advised he could not tell me why I could not receive the information stating that there was fraud. He immediately withdrew and apologized for the comment and advised that someone would be contacting me in 48 hours. The length of this phone call was 52 minutes only 7 of which were conversation, the remainder of the time I was on hold. On XXXX at XXXX Pacific Time, a representative from Ally called and left a message to call back. I returned the call to XXXX was placed on hold for 10 minutes then told to leave a message which I did ; still no callback as of today, XXXX, XXXX, Pacific Time. I have been locked out of my account with no verbal or written explanation given. Material information has been concealed and further, I was defamed by being told there was fraud and not by whom, if any and finally, I have been dealt with in extremely bad faith. I do not trust Ally bank with my funds any longer and want them returned at once. I have no idea what is going on. Please feel free to demand a copy of the recorded transcript if you have any doubts as to the accuracy of this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2019-09-18
New Port Richey, 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
2019-09-18
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: Ally Financial is reporting that on XX/XX/2018 & XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-17
Cols, 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
Complaint: Dear Consumer Financial Protection Bureau, CFPB : XXXX CREDIT is refusing to make PROPER CORRECTIONS, AND CFPB HAS TO REGULATE ALLY AUTO FINANCE THAT IS FALSELY REPORTING DELINQUENCIES ON ALLY AUTO FINANCE ACCOUNT IN ERROR. I DO NOT OWE ALLY AUTO FINANCE {$27000.00}, THE PAYMENT CONFIRMED RECEIVED AND POSTED TO ALLY AUTO ACCOUNT, I WENT WITHOUT THE MONEY, AND THE FUNDS WERE AVAILABLE IN THEN-ALLY AUTO BANK ACCOUNT.
MOST IMPORTANT, I AM WRITING REQUESTING FRAUD ALERT ON MY CREDIT REPORT AND ALLY BANK ACCOUNT, AND TO HAVE UNVALIDATED DEBT ( THAT I DO NOT OWE ) REMOVED FROM 3 CREDIT BUREAUS AND XXXX IF REPORTED ( REMOVAL OF {$270.00} DEBT BALANCE-ally bank ).
I DO NOT OWE ally auto finance {$270.00}. I have included the payment history, and PAYMENTS HAVE BEEN FAITHFULLY AND TIMELY MADE WITHIN 10 days of the XX/XX/XXXX of each month since THE VERY BEGINNING ( initial purchase date of XX/XX/XXXX-Saturday ).
Ally bank AND ally auto finance is reporting my ACCOUNTS as delinquent when the account is NOT DELINQUENT NOR LATE ( A TOTAL OF 14 PAYMENTS TOTALLING {$11000.00} HAS BEEN PAID TO ALLY AUTO FINANCE ON TIME AS SCHEDULED ). THE ADVERSE CREDIT REPORTING ( IN ERROR ) IS AFFECTING MY XXXX CREDIT SCORE. Please have ally auto finance remove ALL DELINQUINCIES FROM ALL 3 CREDIT BUREAUS ( XXXX, XXXX, AND XXXX ). Please Note : MY TRUE CREDIT SCORE IS XXXX ACCORDING to XXXX, and on XX/XX/XXXX-Tuesday, XXXX is reporting MY CREDIT SCORE AT XXXX? PLEASE TAKE CORRECTIVE ACTION. I HAVE BEEN LEGALLY ADVISED NO FURTHER PAYMENTS WILL BE MADE UNTIL THE CORRECTIONS ARE PERMANENT. IF I AM MAKING MY PAYMENTS ON TIME AND GOING WITHOUT THOSE AMOUNTS OF MONEY ( {$11000.00} ), THEN THAT SHOULD BE ACCURATELY REFLECTED ON MY CREDIT REPORT TO ALL 3 CREDIT BUREAUS. MOST IMPOTANT, ALLY AUTO FINANCE HAS ALLOWED BANK FRAUD TO TAKE PLACE ( MISAPPROPRIATION OF MY AUTHORIZED FUNDS IN THE AMOUNT OF {$270.00} ) AND ARE TRYING TO EXTORT DUPLICATE PAYMENTS FROM ME.
Sincerely and Respectfully, XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-17
Old Westfield, NY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Personal information incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-17
Watkins, CO
Problem with a lender or other company charging your account
Checking or savings account: Checking account
Transaction was not authorized
Complaint: I was a victim of identity theft on XX/XX/2019 and I was robbed of {$530.00} in my checking account. This was through a XXXX/XXXX transaction conducted by a malicious unknown user and I reported this to my bank on XX/XX/2019. Ten days have passed and I have received a letter in the mail that Ally Bank will not be providing me a provisional credit and considers this a POS dispute. This dispute is a fraudulent charge as someone has stolen my debit card information and used it to make a purchase through XXXX/XXXX. Ally refuses to provide a provisional credit despite stating numerous times that this charge is malicious. Their reasoning for this is due to having a existing XXXX account and suggests I contact the merchant to resolve this issue. Again, this is a fraudulent charge and I have nothing to do with this merchant as this charge was not conducted by me. Ally Bank is taking longer than 10 days to investigate this charge and by Regulation E is required to provide a provisional credit through the remainder of this investigation. This is a provisional credit, which means Ally has the power to recover this money back from my bank account should they determine that a transaction is not fraudulent, which in this case it is.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-17
Lexington, NC
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: My FICO score has dropped substantially over the past three months. I see it on my XXXX XXXX statement. I caught it this month XXXX XXXX XXXX. I confirmed that XXXX has not reported me as past due today, XX/XX/XXXX. After they'd confirmed it wasn't them, I went to the XXXX website to put a fraud alert on my account and reviewed my credit report to learn that Ally Financial had reported a 90 day delinquency in XXXX of XXXX. I had a car loan with Ally and paid it off approximately 2 years ago and received the title to the car. I contacted Ally and their solution was to file a dispute with XXXX which they informed me will take up to 45 days to clear then I will have to clear it with the other credit agencies. I am floored that I have to risk higher interest rates and possible denial of loans for the next 45 days when it was their error and they didn't try to explain to me what caused their error. Their solution for their mistake is NOT acceptable and it leaves me wondering how many other people have had to deal with this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-17
San Antonio, TX
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
2019-09-16
MI
Closing an account
Checking or savings account: CD (Certificate of Deposit)
Funds not received from closed account
Complaint: XXXX due on XX/XX/XXXX. did not receive funds. Called Ally Bank on XX/XX/XXXX. Received funds on XX/XX/XXXX, short interest of {$21.00} ( 3days from XX/XX/XXXX to XX/XX/XXXX ( {$120000.00} x 2.15 % x 3 days )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-09-14
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
Complaint: i called the company on XX/XX/2019 to ask why they pulled my credit report they told me that i do not have an account with them i gave them my information and they could not tell me why. i never ask for credit from them or sign anything to have them pull my report.
please have them delete this inquire they could not help me Ally Finan I XXXX, MN XXXX ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-13
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2019-09-13
Macclenny, FL
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Was not notified of investigation status or results
Complaint: Approximately 6 months ago I submitted a dispute with Ally Financial over a Failure to Pay annotated on all three credit reports from XX/XX/XXXX. 3 months ago, I called to inquire about the dispute, and they re-initiated the investigation. On XX/XX/XXXX, I had Ally Financial initiate another dispute for the Failure to Pay. I have not received any letters on a decision or any other correspondence from either of the previous 2 investigations. The auto loan from Ally Financial, in question, was paid off in full in XX/XX/XXXX. It should not have been a Failure to Pay on my credit report due to being paid off, which Ally Financial has conceded over the phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-13
Delaware, OH
Managing an account
Checking or savings account: Checking account
Problem making or receiving payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation