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 111
2017-07-14
Baltimore, MD
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
2017-07-14
Greensboro, NC
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 XXXX on XXXX XXXX,2017 he did n't find the account numbers listed no reslove
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-07-13
Chester, VA
Problems at the end of the loan or lease
Vehicle loan or lease: Loan
Problem with paying off the loan
Complaint: My vehicle was a total loss and the insurance company paid the entire loan balance except for the late fees. Ally financial told me after the car paid that the late fees would be waived and my account was at XXXX. Ally financial sent me the title to the vehicle. <P/>A month later Ally came back and said they were charging me late fees with a daily interest. From month to month the amount changed they were uncertain the amount of late fees and interest. <P/>In Virginia a company can not charge more than 12 % late fees. They are reporting to the credit bureau and I feel they are incorrect. Ally stated that they sent the title to insurance company and not to me. However their office also stated that they title should n't have been released if there was any kind of balance remaining on the account. Once I received the title, lien release and the letter my account should be at a XXXX balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-07-13
Fort Myers, FL
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with the interest rate
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-07-12
MA
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: For the billing period of XX/XX/XXXX we had sent an electronic payment on XX/XX/XXXX and the funds were received and deposited by Ally Financial on XX/XX/XXXX . They claim that the account number was left off the electronic payment and they did n't know where to apply the payment, so they issued a refund check and mailed it back to our address on XX/XX/XXXX making it 30 days late. upon receiving the the check we immediately sent another payment and called to pay over the phone s o 2 pa yments were made. I have tried disputing this situation on XXXX XXXX and it was denied. I even talked to Ally and was told to write a letter and fax it with bank statements showing that the funds were withdrawn before the 30 day late period. They received everything with proof that they received the funds in time and still denied removing the 30 day late payment on my credit report. We were just about to start the process of buying our first house when this happened and because of that 30 day late m y credit score h as dropped severely.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2017-07-12
Detroit, MI
Managing an account
Checking or savings account: Savings account
Deposits and withdrawals
Complaint: unauthorized person withdrew money from my savings account on XX/XX/XXXX, 2017 from Ally Bank/XXXX XXXX, XXXX. <P/>Person of interest is an employee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2017-07-12
Itasca, IL
Written notification about debt
Debt collection: Auto debt
Didn't receive enough information to verify debt
Complaint: Ally financial was a debt that was disputed through XXXX XXXX received notification that the debt was removed I call the credit bureaus and they stated the debt was updated and remains on the report and has a collection agency now calling harassing me of a debt I do not have a contract with this collection agency
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-07-12
Washington, DC
Communication tactics
Debt collection: Auto debt
You told them to stop contacting you, but they keep trying
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-07-12
Worcester, MA
Improper use of your report
Checking or savings account: Other banking product or service
Reporting company used your report improperly
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-07-12
Monson, MA
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with additional products or services purchased with the loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-07-11
Jacksonville, 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
2017-07-11
Milwaukee, WI
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 recently purchased a car from a dealership. I went with a preapproval letter from XXXX XXXX with the intent of getting a loan from that credit provider. At no point did I authorize any other bank to run a credit inquiry. I did authorize the dealership to run my credit once on XX/XX/17, because they told me that I had to in order to purchase the car. Unfortunately the car dealership proceeded to allow several banks to run my credit resulting in over a 60 point drop in my credit score. The dealership told me that it would only be counted as one hard inquiry since it was within 14 days, but XXXX stated that in fact is not the case. Nothing else has changed on my ( XXXX ) credit report since my credit pulled a little over a week ago. As I plan on purchasing a new house within the next year, I am unable to wait for all of these inquiries to fall off of my credit report. So far I have contacted XXXX XXXX who said that they would not be able to provide a letter for me to submit to the credit bureaus to have this inquiry removed. They stated that they got permission from the car dealership to run my credit and would not be able to assist me in removing this from my credit report. I did not authorize the car dealership to allow XXXX XXXX to run my credit. Other banks that have run my credit without my authorization include : Ally Financial inc, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX via XXXX XXXX, XXXX XXXX, and XXXX XXXX via 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
2017-07-10
Problems at the end of the loan or lease
Vehicle loan or lease: Loan
Problem with paying off the loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-07-09
Stamford, CT
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-07-07
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: Ally Finan I Inquiry from XXXX XXXX, 2016 Institution Information Ally Finan I XXXX, MN XXXX ( XXXX ) XXXX Hard inquiries generally occur when a financial institution, such as a lender or credit card issuer, checks your credit report when making a lending decision. They commonly take place when you apply for a loan, credit card or mortgage, and you typically have to authorize them. Hard inquiries could lower your credit score by a few points and may remain on your credit report for two years. Fortunately, as time passes, the damage to your credit score usually decreases or disappears, often even before the hard inquiry falls off your credit report. I have no knowledge of this account nor why they were checking my credit score. Please erase this inquiry. Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-07-07
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: Ally Finan I Inquiry fromXX/XX/XXXX Institution Information Ally Finan I XXXX, MN XXXX ( XXXX ) XXXX Hard inquiries generally occur when a financial institution, such as a lender or credit card issuer, checks your credit report when making a lending decision. They commonly take place when you apply for a loan, credit card or mortgage, and you typically have to authorize them. Hard inquiries could lower your credit score by a few points and may remain on your credit report for two years. Fortunately, as time passes, the damage to your credit score usually decreases or disappears, often even before the hard inquiry falls off your credit report. I have no knowledge of this account nor why they were checking my credit score. Please erase this inquiry. Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-07-07
Olympia, WA
Communication tactics
Debt collection: Auto debt
You told them to stop contacting you, but they keep trying
Complaint: Ally Financial continues to call me several times a month ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to collect on a debt that is the responsibility of my ex-wife. They have called my acquaintances asking about her and asking to collect on her debt. I have explained the situation to them many times and asked them to stop harassing me and friends of mine. They are very rude, hostile and abusive. <P/>I never signed a contract for this loan, it was completed by my ex who has lived in a different state for several years. Ally did not do their due diligence in approving a loan without my consent, signature or knowledge of the loan. They did not question the identity of the person who signed the loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-07-07
Detroit, MI
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
2017-07-07
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
2017-07-06
GA
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Card was charged for something you did not purchase with the card
Complaint: I did n't make this charge. I 've never heard of this company and never received anything from them. XXXX XXXX, 2017 XXXX XXXX, XXXX - {$1000.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-07-06
Liberty, NY
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
2017-07-06
Phila, PA
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
2017-07-05
Boston, MA
Getting a loan or lease
Vehicle loan or lease: Loan
Fraudulent loan
Complaint: I purchased my XXXX XXXX XX/XX/XXXX, 2013, at the time of the purchase Ally Financial Inc. and Ally Bank ( Ally ) was the bank who offered me the fraudulent loan on my vehicle. As an XXXX XXXX female borrower, I believe there was predatory lending involved in my loan and I paid a higher interest rate and continue to pay unusually higher fees for my auto loan because of Allys discriminatory pricing system. <P/>Though at the time it did not all come together over the life-time of my loan I have bean to see that was charged and interest rate that was significantly higher and the loan continues to report inaccurately regarding late payments. When I make my on-time payments to Ally they tack on this exorbitant fees that they classify as late fees. But the payments are not late. I continue to be overcharged because of of my race and gender and am a victim to a very sick system that continues to violate the rights of people of color and women across the country. <P/>When I financed the purchase of my XXXX from the auto dealership, the dealer facilitated indirect financing through Ally. Ally set a risk-based interest rate, or buy rate, and then allowed XXXX to charge me a higher interest rate when they finalized the deal with me. This rate was solely based on my race and gender. The ECOA prohibits creditors from discriminating against loan applicants in credit transactions on the basis of characteristics such as race and national origin. <P/>Allys discriminatory pricing and compensation structure has caused me severe damage on my credit report. I have paid for the car almost two times over at this point and still owe {$13000.00} after 4 years of consistent payments. <P/>I have attempted several times to clear this up with Ally and to get the erroneous errors on my credit removed and the loan updated or removed and they continue to attest that I am wrong. Ally you are thief and a predator. You pray on women and minorities and this can not go unpunished. I am writing to have all derogatory items removed from my credit report and the fraudulent auto loan be paid in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-07-05
Bremen, GA
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: On XX/XX/XXXXXXXX at XXXX XXXX I received a call from Ally Financial regarding my car payment, I informed that was n't able to make payment at that moment and would contact back at a later date. On the same exact date they contacted again at XXXX and left a message regarding the payment and again at XXXX. I know that they cant contact me again after a message has been left. When I informed the rep of my knowledge he explained to me that the automated dialer had called my number. I informed that there should have been some form of notation that a message was left. I also asked the rep to speak with a rep from the United States of America because there seemed to be a language barrier and the rep asked why, I then informed the rep of why and he continued to say that he was trying to help and basically was trying to force me to make the payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-07-05
Lewisville, TX
Struggling to pay your loan
Vehicle loan or lease: Loan
Lender trying to repossess or disable the vehicle
Complaint: XXXX, 2016, I was wrongfully terminated for filing a discrimination complaint. Due to being denied unemployment for such complaint, I hit financial hard times. Ally Bank offered me an extension which I agreed too. Less than a week later a collection department representative contact my co-signers place of employment and harassed them to the point that they terminated her. I contacted Ally and finally after several attempts started working with XXXX XXXX/Customer Service. A short time later my car was repossessed. XXXX XXXX worked and got the care returned to me while working with my complaint about the wrongful collection efforts that had happened to my co-signer. He stated that the repossession was a computer error on behalf of Ally. I landed a job and while at work I was contacted by a collection person and informed that I had to get my payments caught up-they extended to me another extension. I signed and faxed it to the number that I was given as well as made the out landish requirements for the payments. While at home getting ready to return to work, I hear a horrible noise in my driveway, they are repossessing my car again, I run and stop the tow truck driver, requesting to get my medical stuff out of the car, he agrees if I will surrender my keys to him. I go back in the house to call Ally/XXXX XXXX and I hear this horrible noise again, I rush outside and the tow truck driver has drug my car across my yard jumped the curb damaging the front of my car and is dragging it down the street with the front end scraping the ground. I left several messages for XXXX XXXX and talked with several people including in the XXXX. No body could assist me or simply did not want too. I finally called the police department, they had no record of a repossession at my address. I finally talked with a lady in the " retention department '' from the XXXX. She informs me that I have to pay over a 1000.00 to get my car back, she does not listen to my explanation and confusion but does give me the name of the repo company ... no number or address was provided. I finally locate them. I am instructed to bring my keys to get my belongings out of the car ... .it is XXXX XXXX Texas . Upon arriving, I am treated like a criminal, they take my keys, have me sign paperwork through a protective cover glass window, I ask for a copy. Upon the lady 's return, she hands me my copy and tells me that they have removed the contents of my car and they are out front in bags and that I will not have access to my car. Finally after several days, I finally receive a call from XXXX XXXX, after two weeks I finally get my car back, only to have lost my job. I have complained endlessly, I have provided pictures of the damages to my car, the ordeal that I have been put through and to date nothing has been done to Ally costing my co-signer her job based on the rude and unprofessional threats that they made to her employer. Due to a job change or promotion or even his health, XXXX XXXX was transferring my complaint to another customer service agent, XXXX XXXX. He has not returned my calls or cooperated with the BBB or Attorney General 's office and has done nothing to resolve my complaint or pay for the damages to my car during the repossession. I have provided him with documentation, pictures etc. Documents and pictures are available upon request to support my complaint to your offices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation