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 8
2019-10-22
Orange, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-22
Coppell, TX
Managing an account
Checking or savings account: CD (Certificate of Deposit)
Deposits or withdrawals
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-10-21
Chicago, IL
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Complaint: I notice that my credit report was ran without my consent on XXXX by XXXX XXXX XXXX. I have been a victim of Identity theft and I been trying to reach out to the creditor to have this inquiry removed along with the other inquiries that were placed on my credit report from the banks they used with no resolve or help. I have contacted the creditors and some said it will be removed from my report, but after 30 days it still shows. This is unacceptable and XXXX XXXX XXXX and the other creditors Ally Finical, XXXX, XXXX XXXX and others havent been any help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-21
Tarzana, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I am so angry and frustrated with XXXX and the different credit card companies. They have been working on my investigation for over a month, with no resolution. I have sent my police report and my FTC report that I filed along with my identification and they are not removing these accounts from my credit profile. They do not have any evidence against me, and are continuing to report these accounts. I have spent so much time so much energy, and I am so stressed from this situation. They are not helping whatsoever, and I am getting anxiety from talking to so many different customer service reps, who one promises to remove the accounts, to another one who says we never received the report, to another one who said they did receive my reports. They were all done and uploaded online and have record. Please help in resolving this matter, I need these accounts to be removed from my credit report immediately. I am not able to rent any other house, or buy car. Please help.
The companies I am reporting are 1. XXXX 2. ALLY FINANCIAL ( 6 different accounts in which 2 accounts have been removed 4 accounts are still reporting ) 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX Please help in resolving this matter, I have reported my identity theft from way back in XX/XX/XXXX. These companies have not been removed from my credit report, they are giving me very bad customer service, and XXXX is by far the worst credit bureau to deal with.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-21
Asheville, NC
Getting a loan or lease
Vehicle loan or lease: Lease
Credit denial
Complaint: Recently we leased a new automobile. Shortly after completing the lease I received a letter from Ally Bank Lease Trust, stating they had been asked by my XXXX dealer to accept the lease. The letter stated that they could not do so because my credit score was unavailable from XXXX. The reason my score is unavailable is that I have placed a freeze on my credit reports from XXXX, XXXX and XXXX. Because my information was not available from XXXX, Ally tried XXXX , XXXX. XXXX is a credit reporting agency I have never heard of and the information they have on me appears to be incomplete.
I have two complaints as follows : - Ally is using a credit reporting agency that is not nationally recognized and who is providing less than accurate data.
- If XXXX , XXXX is legitimate, why has it not been required to be part of the free credit report process as outlined on XXXX?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-21
Pasadena, CA
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-10-20
Ocean City, MD
Managing an account
Checking or savings account: Checking account
Problem accessing account
Complaint: On XX/XX/2019, I had a email forwarded to me by a family member from ally bank. The email was about my checking account and included personal information. This email is NOT associated in any way with my account at ally bank. I logged in to my online bank account and looked for this email but could not find it in my contact information. The only email listed is my main email- XXXX. I then made the mistake of contacting ally bank by phone and after a 29 minute conversation with a customer service rep AND a supervisor, My problem was not resolved. If fact, I was never able to discuss my problem because according to ally bank, they could not " authenticate '' me so they would not help me. This security procedure is not helping or protecting me. It is keeping me from resolving problems that are about my account security. ALLY BANK should not be sending my personal account information to random email accounts and I want this resolved
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-20
NJ
Problems at the end of the loan or lease
Vehicle loan or lease: Loan
Problem while selling or giving up the vehicle
Complaint: On two ( 2 ) different occasions, Ally Financial as failed to effectively communicate with me the following : 1. How much they sold the XXXX XXXX XXXX XXXXXXXX XXXX XXXX that I had leased.
2. Why they refused to offer my financing rates upon the end of my lease regarding the XXXX XXXX that I had leased.
3. The status/location of the XXXX XXXX XXXX XXXX for which I was in an accident in on XX/XX/XXXX. Although they claim I did not have collision on the vehicle at the time, I have proof that is attached to this email that shows I did indeed believe I had or would have collision coverage on my policy.
4. My personal belongings located inside of the XXXX XXXX XXXX XXXX have not been returned to me.
5. Why XXXX XXXX did not respond to my faxed letters.
6. I did purchase GAP insurance through the company XXXX. Please see attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-19
Saint Cloud, FL
Struggling to pay your loan
Vehicle loan or lease: Loan
Loan balance remaining after the vehicle is repossessed and sold
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-18
Burlingame, CA
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Complaint: XX/XX/2019, attempted to online ACH transfer {$50000.00} from my Ally Interest Checking account to my XXXX XXXX ( have done this in the past without issue ) ; was unable to and called into their Customer Care ( XXXX ) ; Customer Care told me it would take 1-2 business days to resolve. Provided case number XXXX for tracking.
XX/XX/2019, called into Ally to check on progress of case number ; was told they had never seen this issue before and asked me to confirm I wanted to ACH transfer to my XXXX account they had on file ( I confirmed ). They offered a wire transfer, but I requested the ACH transfer be fixed instead as I did not want to go through a wire each time.
XX/XX/2019, called into Ally to check on progress, was transferred to their " Back Office '' which handles fraud. Back Office informed me there was no hold on my account that would indicate any issue and that they could not help me. Transferred me back to Customer Care and ask for a supervisor. Supervisor also confirmed they had never seen this issue before and that it would take another 3-5 business days to fix. This is unacceptable to me so I requested a wire transfer from my Ally Interest Checking account to my XXXX XXXX account. Issue is still unresolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2019-10-18
Lexington, NC
Struggling to pay your loan
Vehicle loan or lease: Loan
Denied request to lower payments
Complaint: I have notified Ally Financial as of XX/XX/19 in regards to changing my payment date from the XXXX of each month to the XXXX of each month instead. I was advised by the representative that my original date was for the XXXX of each month. I explained to the representative why will I change my date from the XXXX to the XXXX it just dont make any sense. However changing my date to the end of the month is much convenient for me and to keep my car payment on track. I have asked to speak with a supervisor to rectify the problem and I was connected to another representative. Ally financial has very poor customer service and they are not willing to help their customers. I really need this problem to be rectified and to be handled in the appropriate manner.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-18
Scottsdale, AZ
Managing an account
Checking or savings account: Checking account
Problem making or receiving payments
Complaint: On XX/XX/19, received an email alert that there was a scheduled payment to XXXX for {$120.00}. XXXX was my old cable and internet provider when I lived in a prior state. I moved to a new state over two years ago. When I moved I cancelled the recurring monthly Bill Pay I had set up through my Ally Bank account. 2 years go by and I get an email alert ( on XX/XX/19 at XXXX MST ) that an automatic bill pay was scheduled for XXXX on XX/XX/19. I logged into my Ally Bank account and saw that a payment had posted for {$120.00} on XX/XX/19. I checked my email, and I never got a notification that there was a payment scheduled for XX/XX/19. There was only the email for the scheduled payment for XXXX. I called Ally Bank, and spoke to a representative. I informed the representative that there was a charge for {$120.00} to XXXX through their Bill Pay product that I did not schedule and did not authorize. The representative indicated that since I had at one time set up a recurring payment with XXXX that they considered the transaction an authorized one. I responded that it doesn't make sense that I would have cancelled a payment for 2-straight years if I didn't want it permanently cancelled. I further explained that XXXX doesn't offer service in my current state, and that my account with them has been cancelled for over two years. I also noted to the representative that there are several dormant accounts in my Bill Pay because neither the mobile app nor the online banking site allow me to delete those old accounts from Bill Pay. I would like to delete all these old accounts so that this kind of thing doesn't happen. The representative was argumentative with me and was initially indicating there wasn't anything they could do, and that I would need to take care of it on my end. It wasn't until I mentioned that they were in violation of Reg-E that they seemed willing to note this transaction was disputed. However, the representative did not seem to think this had much chance since they considered the transaction authorized, even though by all logic and reason it clearly was not. I did get a dispute number and am waiting to get a response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-18
Wallington, NJ
Can't contact lender or servicer
Payday loan, title loan, or personal loan: Title loan
Complaint: I have an auto loan with Ally Financials, I recently moved from XXXX XXXX to XXXX XXXX and I need to register my vehicle, however without the the title I can not do so.
On XX/XX/XXXX, I contacted Ally for assistance on obtaining a copy of the certified title. They advised me to fax the documents, they were faxed and confirmation was received.
Since i had not heard from them, A month later I followed up with Ally, and they asked me to re-faxed the documents and again on XX/XX/XXXX I sent them along with the previous fax confirmation.
On Tuesday, XX/XX/XXXX, and on Friday, XX/XX/XXXX once again I followed up. They asked that I faxed the documents again.
On XX/XX/XXXX they notified me that they dont hold titles on financed vehicles as per XXXX regulations the Department of Motor Vehicle held the title and that I needed to go to the DMV department. So, today XX/XX/XXXX, I went to the DMV department and they advised me I had to go back to and have them ordered the title as they own the lean on the car. So DMV were not able to assist.
So, I went back and called Ally, spoke with about 4 different representatives for almost 2 hours and no one was able to assist.
On the fifth attempt I asked to speak with a supervisor, XXXX assisted me and contacted the title department, jointly, we spoke with XXXX who at the end told XXXX to process the title request ( she had no idea on what she was doing ). This time I was told to fax my drivers license and the DMV form, MV-902 ( XX/XX/XXXX ) and to call as soon as it was fax to confirm receipt.
20 minutes after faxing the documents to the fax number provided for the 4th time ( XXXX ) I spoke with two different representatives with no success. They were unable to confirm this information, got frustrated and both times they hanged up the phone on me.
As of today, this issue is still outstanding. No calls back have been received. I have been patient enough for the past 6 weeks. I cant even register my vehicle and its an inconvenience. I need help! I cant seem to go anywhere with these people. There customer service team appears to not know what they are doing and I have received different responses from different people on the same topic. They lock follow up skills, sympathy, and simply Do NOT CARE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-18
Carolina Forest, 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
2019-10-17
LA
Problems at the end of the loan or lease
Vehicle loan or lease: Loan
Problem related to refinancing
Complaint: In XX/XX/2013 we purchased a XXXX XXXX XXXX XXXX, financing through Ally Financial. We signed a contract for 72 months. Little did we know, the vehicle had major manufacture defects. At approximatly 120,000 miles we started to notice excessive oil consumption. We began monitoring our oil level daily and took it to a mechanic who then advised us that XXXX had used cheap piston rings in the 2.4L engines and that our piston rings had gone bad and that the oil consumption would get worse. As the oil consumption got worse we took it to yet another mechanic who said the same thing and advised us the only option was to replace the engine because of major scarring and damage inside the engine. We are a family with one income and a XXXX who is XXXX and has XXXX twice a week, we did not have the money to replace the engine. After speaking to several XXXX dealerships we found that there was a memo from XXXX about the problems but it was not a recall and only covered up to a certain amount of miles, at this point our only option would be to continue to monitor the oil level as XXXX was not offering a solution. By 150,000 the oil consumption had gotten worse, consuming about 2 quarts of oil a week. The vehicle became less reliable, started to loss engine compression, and became harder and harder to start. We contacted Ally to find out why they had changed the terms of our loan, only for them to claim finance charges. We asked if they could rewrite our loan and explained to them the problems we where having with the vehicle and asked to maybe lower our payments so that we could save some money and have the vehicle fixed. They where not willing to help. At this point we had no choice but to find a more reliable vehicle so that our XXXX did not have to miss XXXX or XXXX visits. At this point we have been left with no other options and no where to turn. Ally repossessed the vehicle after 61 days of non payment and will not give us any information as to their intensions, they are going to end up forcing us into bankruptcy because of the changes in the terms of our loan and their unwillingness to rewrite our loan. With the fact that Ally is unwilling to help us and XXXX will not take responsibility for their defect, we feel that we have been wronged by both and have been left with having to make a decision that will affect our family badly, but at this point we have no choice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-17
Keller, TX
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: Listed below are several companies that do not know and did not approve any inquiries to my credit from this companies. I had my credit hit about 7-9 times with hard inquires from random unknown financial institute 's all in a span of a week. I have not tried to contact said banks for these inquiries.
XX/XX/2019 XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XX/XX/2019 XXXX XXXX Deal out of XXXX, OH XXXX Phone # ( XXXX ) XXXX XX/XX/2019 Ally Financial XXXX, MN XXXX ( XXXX ) XXXX XX/XX/2019 XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XX/XX/2019 XXXX XXXX XXXX XXXX, TX 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
2019-10-17
Auburn, AL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information 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
2019-10-17
Elkton, MD
Struggling to pay your loan
Vehicle loan or lease: Loan
Lender trying to repossess or disable the vehicle
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-16
Palmyra, MI
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: XXXX XX/XX/XXXX never applied for credit I dont understand why this creditor is on my credit report.
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-16
GA
Attempts to collect debt not owed
Debt collection: Auto debt
Debt is not yours
Complaint: Debt was removed or discharged as paid in full / error but is still on credit report after receiving documentation that there was an error and account was deleted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-15
Sioux Falls, SD
Closing an account
Checking or savings account: Checking account
Company closed your account
Complaint: On XX/XX/2019 I received a letter in the mail from Ally Bank stating that they were giving us 15 days and then our account would be closed. The letter was dated XX/XX/2019, so 8 of the 15 days had already passed before we were notified. Ally Bank did not call us about the issue either. I repeatedly contacted Ally Bank customer service in their online chat and on the phone during the next few days and they wouldn't extend the time period before account closure and they wouldn't let us keep the account, and our savings account open.
I think that they should have made more attempts to contact us regarding the account closure and we should have had 30 days notice, not 6 days notice. Notice period needs to begin when customer acknowledges receipt of notice and not just when Ally Bank company decided to date their letter.
Ally bank won't even honor outstanding checks that hadn't been processed before the account closing date. I think that Ally Bank needs to be held accountable for shady business practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-15
Charlotte, NC
Struggling to pay your loan
Vehicle loan or lease: Loan
Denied request to lower payments
Complaint: On XX/XX/XXXX, I called Ally Financial and requested a 60 day extension as I am having a financial hardship. The extension was granted and paperwork was sent for me to sign and send back by XX/XX/XXXX ( 10 days from date notice was sent. The representative also placed in a request for the fees to be waived. There was also a payment made as agreed on XX/XX/XXXX for {$370.00} that covered the extension agreement payments for {$220.00} due XX/XX/XXXX and a payment of XXXX due XX/XX/XXXX. The notice was faxed on XX/XX/XXXX at XXXX XXXX and confirmation of receipt was received immediately. As of XX/XX/XXXX, I am beginning to receive notices that I owe {$440.00}. When I called on XX/XX/XXXX, I spoke with 2 representatives and a supervisor. The first representative could not comprehend anything I was saying and refused to let me speak to a supervisor after I asked 4 times. I then requested to speak to someone in the United States. That representative, XXXX XXXX, read over the account and connected me to a supervisor named XXXX. XXXX was condescending and refused to even acknowledge that I did my part for sending the information and told me I had to go back through the process. I explained to her that I currently am not in a position to request another extension as I did so to be proactive. I offered to send her proof that they lost my documents and that the fax was received, she advised me no. I had to call back to speak with another representative named XXXX, who actually listened to my situation and complaint. She couldn't make any promises that they would take action as they lost my documents but to fax her over the confirmation from when I previously sent the information on XX/XX/XXXX. I have attached proof that the fax was sent to the correct fax number and received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-13
Newark, NJ
Struggling to pay your loan
Vehicle loan or lease: Loan
Lender trying to repossess or disable the vehicle
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-12
Brentwood, TN
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Personal information incorrect
Complaint: Complaint in re : Ally Bank auto loan. Ally loan balance is incorrect. I have called a number of times to report this matter with Ally and request the correction to no avail.
I am trying to purchase a home in the next 6 months but these issues continue to plague my credit.
On a separate issue, I have previously written Ally Bank and provided them with my updated address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Tennessee XXXX but again, they refuse to update my file.
Finally, I provided Ally Bank with a final court order with my name change to : XXXX XXXX XXXX. As a direct result of Ally 's refusal to update and cure these matters, I am unable to change the registration on my vehicle and am again forced to turn to the StateAttorney General for relief.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-11
Cross Creek, FL
Struggling to pay your loan
Vehicle loan or lease: Loan
Lender trying to repossess or disable the vehicle
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief