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 13
2019-09-06
Beltsville, MD
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
2019-09-05
Columbus, 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
Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: Dear Consumer Financial Protection Bureau, CFPB AND 3 Credit Bureaus ( XXXX, XXXX, and XXXX ) : THIS LETTER IS TO DEMAND CORRECTION OF CREDIT REPORT AND DEMANDING IMMEDIATE CESSATION OF THEFT AND FRAUD ON ALLY AUTO FINANCE ACCOUNT FOR ( MY XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) ENHANCEMENT. I DO NOT OWE you, ally bank, {$270.00}, I HAVE MADE 14 TIMELY PAYMENTS ( OF 48 TOTAL PAYMENTS ) STARTING XX/XX/XXXX, XXXX-SATURDAY, TOTALLING {$11000.00}, AND THAT REQUIRES ACCURATE REPORTING TO ALL 3 CREDIT BUREAUS. XX/XX/XXXX ( FRIDAY ) PAYMENT WILL NOT BE PAID UNTIL CORRECTION BY ALLY AUTO FINANCE HAS TAKEN PLACE. IN ADDITION, ALLY AUTO FINANCE, MISS XXXX, IS NOT TO CONTACT ME EVER. 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 ). THE ADVERSE INACCURATE CREDIT REPORTING ( IN ERROR ) IS AFFECTING MY CREDIT SCORE AND CREDIT WORTHINESS. EFFECTIVE IMMEDIATELY : REMOVE ALL DELINQUENCIES, LATE PAYMENTS, ETC., FROM ALL 3 CREDIT BUREAUS ( XXXX, XXXX, AND XXXX ) AND XXXX. XXXX IS REPORTING A CREDIT SCORE OF XXXX. This correspondence is to officially affirm to CEASE AND DESIST with any further communication effective immediately in accordance with " Fair Debt Collection Practices Act '' ( in 15 U.S.C. 1692 ). ALLY AUTO FINANCE YOU ARE IN VIOLATION OF 15 UNITED STATES CODE, U.S.C., 1692 AND YOU OWE ME {$1000.00} ALLY AUTO FINANCE. Sincerely and Respectfully, XXXX XXXX MD
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-05
Austin, TX
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-05
Jupiter, FL
Problems at the end of the loan or lease
Vehicle loan or lease: Lease
Excess mileage, damage, or wear fees, or other problem after the lease is finish
Complaint: I returned my XXXX XXXX XXXX ( which was leased from Ally ) on XX/XX/XXXX. The lease I had with Ally was their Smartlease product which allows for {$5000.00} for access damage at the end of the lease ( {$1000.00} per item up to {$5000.00} ). After I returned the vehicle they sent an inspection a couple of weeks later ( while the car was at the dealership ) and they found a scratch at the bottom of the front bumper. The inspector assessed the damage at exactly {$1000.00} ( $ XXXXover Ally 's limit to cover ) for that damage which by doing so requires me to pay the full {$1000.00} as if it was {$990.00} they would have covered it under the Smartlease. Prior to returning the car I took it to a body shop ( which I have a quote from ) which stated that to fix this scratch would have cost {$380.00} ( hence I retuned the car without fixing it knowing I have up to {$1000.00} in coverage ). Since Ally wouldn't come to terms or discuss this issue with me, I had to hire an attorney to represent me and on XXXX XXXX, XXXX I got a letter from Ally stating that they need my attorney 's information which I provided. My attorney sent them a letter with the quote received from the bodyshop to remove this bogus charge for {$1000.00} and Ally would not hear of it. It was obvious that this was done on purpose as the inspector could have easily listed the damage for less than {$1000.00} and no matter which bodyshop you do to, a damage is never quoted at a round number ( {$1000.00}! ) Finally they agreed to settle for {$430.00} which was sent in a letter to me on XXXX XXXX, XXXX. I paid the settlement amount on XX/XX/XXXX. Ever since I paid the full settlement amount Ally has completely messed up my credit score listing I had a late payment ( which is not true since the payments on the car where paid in full and it was only the disputed {$1000.00} which was not paid on time since it was being handled by my attorney - once I got the letter for settlement it was paid within 2 weeks ). In addition there are remarks all over my credit score that I settled for less then the amount owed and in some cases a late payment ( which is true however this creates a problem with my score ). I tried applying recently for the XXXX card which was denied since I have a late payment recorded on my XXXX report ( which again is not true ). Prior to applying for the XXXX card on XX/XX/XXXX I had a XXXX score ( sent to me by XXXX XXXX when they denied my application ). XXXX told me there is nothing they can do and that I should call XXXX. Once I called went the customer service rep said he knew exactly what the issue was and removed some remark from my account. That triggered a whole different problem in which my credit score then tanked to XXXX. I called XXXX and they opened and closed a dispute the same day. I currently still have this issue with Ally regarding late payment and settled for less the amount owed. I have now also been denied for refinancing on my mortgage due to this low score and Ally will not return my attorney 's calls. How can it be that a bank like Ally tries to rob me of {$1000.00} at the end of the lease, we agree to settle and then I have a credit problem for the next 7 years due to how they reported it? I should have paid the full amount ( not to mention the lawyer cost me more than the settlement ) as it is far more than the damage they have caused me, however this seems totally unfair that this is how such a company behaves and requires a customer to pay for things that aren't owed and if you challenge it and settle your credit score is doomed. They should be ashamed of themselves!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2019-09-04
Arco, CA
Other transaction problem
Money transfer, virtual currency, or money service: Domestic (US) money transfer
Complaint: On XX/XX/XXXX I submitted a domestic wire transfer for {$20000.00} from my account at Ally Bank to a XXXX XXXX bank account in XXXX XXXX for the benefit of XXXX XXXX.
On XX/XX/XXXX Ally Bank emailed me with instructions to phone them. I did, and was told that the wire transfer had been cancelled because it was considered international rather than domestic and Ally does not do international wire transfers.
It seems clear to me that wiring money to XXXX XXXX isn't international, but 75 minutes on the phone refused to convince Ally. For 60 minutes XXXX told me that it was considered international because I submitted it from a computer in XXXX, and then supervisor XXXX insisted that it was international because the company XXXX was initially founded in XXXX.
This is clearly nonsense and I hope you can get an honest explanation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-04
Columbia, SC
Incorrect information on your report
Vehicle loan or lease: Loan
Account information incorrect
Complaint: On XX/XX/2019 I entered into a legally binding contract with XXXX XXXX to buy another vehicle and pay Ally off in the midst of that contract in the amount of XXXX for their financed vehicle, after XX/XX/2019 any accured charges were the responsibility of that automotive dealers, since there were not recontract of said contract. On XX/XX/2019, Ally attempted to charge my checking account a payment of {$460.00}, of which I stopped since I on XX/XX/2019, paid them off within a legally binding contract with XXXX, and any payments thereafter is the responsibililty of XXXX to pay said vehicle off.
On XX/XX/2019 Ally created a check, and sent it to me in the amount of {$310.00} without condition or request. I deposited said check within my checking account, and thereby considered the issue closed, with three days was notified by my bank that said check wasn't honored, now the defense that the payment on the XXXX of XXXX was the reason is without merit, considering as of XX/XX/2019, all issues with shortages were between the dealership and Ally not the consumer, since they had a funded deal with another lender, that vehicle isn't a issue. Additionally Ally is reporting that I have a balance of {$460.00} left on my account, I submit that I have no payments past XX/XX/19 based entirely on a legally binding funded contract with another lender, and that any shortages is to the dealership not the consumer, the payoff quoted on XX/XX/2019, should have been paid as according to the contract, and no additional payments from the consumer is warranted.
Company Response: Closed with explanation
2019-09-04
Fort Russell, IL
Incorrect information on your report
Vehicle loan or lease: Loan
Account information incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-04
Beltsville, MD
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
2019-09-04
Scranton, 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 non-monetary relief
2019-09-03
Mckeesport, PA
Problems at the end of the loan or lease
Vehicle loan or lease: Lease
Excess mileage, damage, or wear fees, or other problem after the lease is finish
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-03
Bethlehem, PA
Problems at the end of the loan or lease
Vehicle loan or lease: Lease
Problem while selling or giving up the vehicle
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-09-03
Cleveland, OH
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
2019-09-01
Magnolia, TX
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
2019-08-31
Rochester, OH
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: In XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX with my mother and Ally Financial is the bank loan holder. But, when I printed my XXXX Credit Report No. XXXX I had to dispute a record under regular inquiries for Ally Financial dated on XX/XX/XXXX, XX/XX/XXXX with the permissible purpose : " AK SOCIAL SERVICE/WRITTEN AUTH/INVESTGT FRAUD. '' I have not committed fraud, and I have spoken with both the credit bureau and the bank Ally financial. They both said they didn't do it, then XXXX instructed me to request a letter from the bank which I have submitted as certify mail. Photos are included. It's been over 45 days and I need this to be resolve at once. They took 83 points and the others bureau as well deducted points about the same. I feel I wasn't treat it fairly and truthful because last time I spoke with someone in XXXX Credit Bureau, they said they were removing such record from my report and return my points back ; but, when I printed my report today XX/XX/XXXX, that record still there. PLEASE HELP!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-08-31
Chicago, IL
Incorrect information on your report
Vehicle loan or lease: Lease
Account information incorrect
Complaint: I arranged a payment for my vehicle and the operator assured me that I will not get a late payment reported on my credit report because I completed a promise to pay and set up my account information so that the funds will be taken out of my account and they still reported a 30 day late payment on my credit report I asked them if possible to remove because someone told me from their team that I will not receive a penalty because I set up a promise to pay. They denied to remove the penalty. Ive been calling them for a week and after I provide my information so someone can access my account they hang up the phone on me. Ive been trying for at least a week. My payment was due on XX/XX/XXXX but because I was experiencing financial issues my pay date fell on XX/XX/XXXX which I stated to ally auto which caused my credit score to drop 78 points I believe. And since XX/XX/XXXX Ive been calling and I havent spoken to a representative from ally auto yet
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-08-31
TX
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Complaint: My credit and personal information is in " XXXX , XXXX '' posession and is being used to make credit decisions. I have never heard of this organization. XXXX, XXXX and XXXX are the only Legit credit bureaus. Why do this organization have my information?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-08-30
NJ
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: I called Ally Financial Inc today XX/XX/19 regarding a discrepancy with my outstanding balance of my car loan. I advised the balance reflected on my account was {$4700.00} short of what I paid. The representative was agreed with me after doing the math together and consulted his supervisor. He cam back on the phone and proceeded to tell me that because my payments were not made by their due date of the XXXX of the month that they were allowed to raise my interest rate to over 50 %. When I advised that his explanation doesn't sound legal he began to tell me he could no longer help me and disconnected the call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-08-29
Plymouth, FL
Attempts to collect debt not owed
Debt collection: Auto debt
Debt was paid
Complaint: Debt was paid in full. After an accident in XX/XX/2019, XXXX indurance paid off the value of the car. The Gap insurance paid off the balance to close out the account. I notified Ally Financial in writing that Gap Total Warranty agreed to pay off the entire balance. After confirmation from Gap total warranty I get a bill from Ally Financial that they are charging me an additional {$210.00} for???? The claim was settled and paid weeks ago.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-08-29
Las Vegas, NV
Fraud or scam
Money transfer, virtual currency, or money service: Money order
Complaint: I want to file a complaint against Ally Online bank because they're not removing or giving me the opportunity to make monthly payments on a debt that was brought up by scam. About XX/XX/2019, I was trying to apply for a job on the XXXX website and I applied for XXXX XXXX. I didn't realize that it was a scam because it came from the XXXX website itself. A person named XXXX XXXX from XXXX contacted me and stated that prior to employment, I would have to do a couple things for them. They sent me 3 checks that they told me I had to cash. In addition, this person told me to buy a couple things for them such as an XXXX gift card to help with humanitarian aid. I bought it and then they asked me to send them the code and then to purchase an XXXX gift card but I thought that sounded a bit peculiar, so I didn't proceed. By this time, my bank Ally Online and their Fraud Department, took the money that was sent to me and put my account under a negative status of $ XXXX. Ally 's Fraud Department called me and said that I was scammed. I was later sent a letter stating that if I didn't pay it all in 30-days, I would be put on XXXX. I called Ally today, XX/XX/2019, and they said that I was the one responsible for paying all of it off. I asked Ally, since I'm the one who has to pay it, if I was able to make monthly payments, so they would not send me to XXXX. However, they said that I could make payments but they would still send me to XXXX. I feel this is an injustice and unprofessional because I am a victim of fraud/scam and are willing to take care of my balance but would like a monthly payment plan and to not be sent to XXXX. I would like some assistance with this matter. I am XXXX years of age looking for work to help my parents at home. My family is very ill, and I feel this is the reason I was taken advantage of. Please assist me in any way possible with the Bank. I do not want my record to be damaged by this incident.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-08-28
College Park, SC
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
2019-08-28
Tampa, 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 did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. If you can not provide any signed documents of me giving authorization to perform this act please remove ALL inquiries from all credit bureaus youre reporting on my credit report immediately! Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for anything with your company. Theres no accounts tied to these inquiries on my credit profile.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-08-28
Rumpus Ridge, SD
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
2019-08-28
Colts Neck, NJ
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
2019-08-28
Dearborn Heights, MI
Problems at the end of the loan or lease
Vehicle loan or lease: Lease
Excess mileage, damage, or wear fees, or other problem after the lease is finish
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-08-27
Cartersville, SC
Managing an account
Checking or savings account: Checking 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 explanation