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 114
2017-06-09
Ala Coushatta Ind Res, TX
Improper use of your report
Vehicle loan or lease: Loan
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
2017-06-09
Boca Raton, FL
Managing the loan or lease
Vehicle loan or lease: Lease
Problem with fees charged
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2017-06-09
Cleveland, OH
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Complaint: not authorized on XXXX-2017 ally finani made a un authorized inquire need to be removed i tryed to contacted them on this issue and the will not cooperate with me there no proof this is mine and it needs to be removedif you can not show the documents for this must report to XXXX XXXX and XXXX that it needs to be removed from my files
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-09
Finksburg, MD
Threatened to contact someone or share information improperly
Debt collection: Auto debt
Talked to a third-party about your debt
Complaint: On XX/XX/2017 I was contacted by someone at Ally Auto finan ce in regards to my brothers auto loan account with this company. I asked them repeatedly to tell me how my information was obtained regarding a business matter and debt that does n't concern me. The person that I spoke with whose name was XXXX would n't provide me with that information and told me to speak with my brother to get him to request to take my information off of this account. I have not now or ever given permission to my brother or Ally Auto Finance to contact me, I never signed on as a co-signer, I never gave any information to the auto finance company or an y one else associated with Ally financial. After a long and frustrating conversation with XXXX I was t ransferred to XXXX the supervisor who at the beginning of my call stated that my name would be taken off of their information. When I asked again how my information was obtained he would not tell me that information. I asked for the contact information of their legal department or the president of the auto finance division and again I was denied. I asked again how my information was obtained and how they were able to invade my privacy and harass me to which I was told that my number would be removed. I asked again and finally XXXX told me that he did not know. I told him that I have every right to know and he told me that he would place me on hold for an hour or two so tha t this information could be found. After asking again for the contact information to the legal department so that I could send a cease to contact letter to them I was told that information was not available and then abruptly put on hold. After a few minutes XXXX came back to the line and stated that XXXX was searching for a supervisor for me to speak with and if I could wait then they could fine on for me. I repeatedly asked for information that was not provided, they would n't tell me where could send a cease to contact letter. I feel very harassed by this company and I feel that my privacy has been invaded. <P/> For reference purposes the phone number that contacted me was XXXX .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-09
Mem, TN
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 non-monetary relief
2017-06-08
Hurricane, WV
Struggling to pay your loan
Vehicle loan or lease: Loan
Denied request to lower payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-08
Springfield, IL
Struggling to pay your loan
Vehicle loan or lease: Loan
Lender trying to repossess or disable the vehicle
Complaint: My husband and I were under a Chapter XXXX BK when we were dismissed from the bankruptcy. On XX/XX/XXXX I spoke with XXXX from Ally Financial BK Center and was informed we were {$4300.00} past due on the car loan. We set up a payment plan were we had to put 1/2 down then 6 months of payments where we would pay our normal payment of {$450.00} plus the remaining balance split into 6 months for a total of {$720.00} a month from XXXX XXXX. XXXX XXXX we would go back to our normal payment of XXXX and we would be current. OnXX/XX/XXXX we paid to Ally Financial {$2100.00} to start the installment. we would be due on the XXXX of each month after. OnXX/XX/XXXX we paid our first installment of {$720.00} XXXX fee with XXXX confirmation number XXXX. On XX/XX/XXXX we paid $ XXXX XXXX fee with XXXX confirmation number XXXX. OnXX/XX/XXXX I called Ally Financial @ XXXX XXXX EST and spoke with XXXX and asked If I could push my payment back 1 week on the XXXX, she said that would be fine and she would make a note. OnXX/XX/XXXX I paid $ XXXX confirmation number XXXX spoke with XXXX. I asked XXXX if we were good and my monthly payments are still in tacked, she said yes. OnXX/XX/XXXX I received a call from XXXX from Ally Financial collection stating I was 100 days past due and my vehicle was out for repossession? I explained all the payments that were set up and with who, dates, confirmation numbers. XXXX came back to the phone and said her manager said because we were dismissed from the case our car was out for repossession. I repeated the the information I was given again to her. She put her manager XXXX on the phone and I explained the whole situation over again. XXXX told me I made in breach in contract due to making my XXXX payment on the XXXX. I explained to her that not one person told me that. Not XXXX on the XXXX when I spoke to her and not XXXX on the XXXX of XXXX when I made my payment. She proceeded to tell me that my car was out for repossession. I also had to make a dispute on our credit reports as Ally Financial did not report the down payment we made against the balance owed, and did not report the payments that we had been making.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-08
Fayetteville, GA
Closing an account
Checking or savings account: Checking account
Company closed your account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-08
Richmond, IL
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
2017-06-07
Providence, RI
Managing the loan or lease
Vehicle loan or lease: Lease
Billing problem
Complaint: Ally is refusing to credit a 3 payment rollover ( {$820.00} ) from our previous lease, that XXXX XXXX took over on my new auto loan, we are getting calls @ work all times of the day and at night. They were advised by letter and verbally by phone that no calls will be accepted to our personal phones as they are used for personal as well as work purposes, and is interruptive. A monthly budget payment was accepted on their behalf on paying the remainder of the auto loan. But yet we still get harassing calls from them. I copied the consumer protection laws from the .gov website and sent it as a reminder to the rules and regulations, but seem to go ignored. Si nce Ally has agreed to a monthly payment plan, we see no reason to have any phone contact from them. They were advised USPS correspondence is fine for receiving the bill. At this point we consider this to be harassment on their behalf. On a phone call with them yesterday, I advised any further contact would result in further civil action on our behalf. We do not deny the balance due, we just want the calls to stop.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-07
Crawfordville, FL
Managing an account
Checking or savings account: Other banking product or service
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
2017-06-07
Arnold, MO
Attempts to collect debt not owed
Debt collection: Auto debt
Debt was paid
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-07
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
Complaint: My daughter and I jointly signed a lease for a XXXX XXXX XXXX fro m Ally Financial. <P/> At the end of the lease there was a charge for excess wear. While I did not dispute some damage, I felt the charge for repair was excessive. I had ab out three calls with Ally to discuss this.
<P/> On XXXX / XXXX / 17 I spoke with Ally regarding the dispute. I said I would be willing to settle for half of the {$290.00} charge or {$140.00}. The representative agreed and requested an immediate payment of that amount. I agreed and gave them bank account information to debit my account which they did. I consider the matter closed. <P/> I then received a letter from Ally dated XXXX / XXXX /17 ( pag e 2 of atta ched ) requested payment of a balance of {$150.0 0} ( original amount of {$290.00} less a {$7.00} processing fee and {$140.00} applied to the claim ). Ally had applied what I agreed to as a settlemnent in full as a half payment. That is not what I agreed to. <P/> When I called them to discuss, they claimed they do not settle for less than full payment and denied their representative would agree to such. <P/> I have decided to pay the balance to protect my credit but beleive their collection activity was clearly fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-06
Rincon, AZ
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
2017-06-06
Overland, KS
Attempts to collect debt not owed
Debt collection: Auto debt
Debt was paid
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-05
Chicago, IL
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
2017-06-05
NJ
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX days past due as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-05
Hamburg, NY
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: On XXXX XXXX XXXX I contacted Ally Financial to inquire about a {$450.00} payment I was planning to make the next day ( X/X/17 ) towards my minimum monthly payment of {$440.00} which was due X/XX/17. I advised the representative I would be paying {$450.00} on Friday, XXXX XXXX XXXX which was to be applied toward my minimum monthly payment. I also advised the representative that I was considering making an additional payment of {$300.00} on top of the {$450.00} I would be paying for my monthly payment, which was to be applied directly to the principal- I did not ever say that I would definitely be doing this, in fact I specifically requested that they not take any of the {$450.00} I was paying on X/X/17 to be applied to the principal. I was told that the {$450.00} would go towards my minimum monthly payment due on X/XX/17 and that if I still wanted to pay the extra {$300.00}, that I needed to wait another day until Saturday X/X/17 to pay the additional {$300.00}, in order to guarantee it would be applied towards the principal. I was advised that if I did not call to make the extra payment, there would be no negative consequences or expectations set, and that my {$450.00} which we agreed was to be paid on X/X/17 would be applied 100 % to my minimum monthly payment for the month of XXXX regardless. I did not call to make the additional payment of {$300.00} on Saturday, XXXX XXXX, leaving the only payment that they received in the month of XXXX being for {$450.00} on XXXX. Instead of correctly notating the account, they misapplied may payment for {$450.00} on XXXX and applied {$300.00} of it to the principal, leaving only {$150.00} of my payment going towards my minimum monthly payment. I was advised that this payment was going to be applied directly towards my minimum monthly payment due on XXXX several times, and spent a great amount of time assuring that if anything was to be applied towards the principal, it would be an additional payment of {$300.00} ( on top of the {$450.00} ) and it would be paid X/X/17. I was guaranteed that, if I should make be able to make it, only a payment made for {$300.00} on XXXX would be applied to the principal balance, and that my payment of {$450.00} from X/X/17 would not be applied toward the principal whatsoever.
<P/>
I contacted Ally today ( X/X/17 ) after I received the notification in the mail that their system reflected the unpaid balance. After almost an hour, I had spoken with a representative by the name of " XXXX '', who falsely identified herself as a supervisor. I specifically requested several times that the previous representative transfer me to a manager directly, and no one else. I came to find out, that XXXX was not in fact a supervisor or a member of management at all. I would be remiss if I failed to mention the fact that this is a common occurrence when dealing with Ally Auto Financial 's customer service department, as I have had several conversations in which I was lied to directly about who I was speaking with, whether or not my account had been properly documented, etc. I have even filed a complaint with the CFPB ( # XXXX ) in XXXX against Ally for another conversation in which a representative incorrectly advised me that my credit report could be updated to reflect a payment that was only 28 days past due.
By the end of my call with XXXX, I was not given any time frame whatsoever as to when Ally would correctly reapply my {$450.00} payment from X/X/17 which they incorrectly applied to the principal balance of my loan. I was told that it may not be applied correctly before X/XX/17, at which point it will be reported on my Credit Bureau Report as being 30 days past due, which is simply unfair and unacceptable. Furthermore, when I called back and specifically requested to speak with a manager directly, I was yet again transferred to another agent that was not a member of management whatsoever, by the name of XXXX, ID # : XXXX.
I expect, at the very least, the removal of any late payments or charges associated with misapplied, damages for the sheer amount of time I have spent dealing with Ally Financial and their abysmal, unfair, deceitful customer service and collection practices, and a sincere written apology for the amount of emotional stress and hardship they have caused me ever since I first became their customer in XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-05
TX
Unexpected or other fees
Credit reporting, credit repair services, or other personal consumer reports: Credit repair services
Complaint: I purchased a car and the dealership paid off the incorrect amount on XXXX 2015. I called several times requesting that they fix it and I got no response. I told the collection agency I do n't have that car anymore the dealership is responsible and each time I tried to speak to someone they would never get back to me with an answer. Several months went by resulting in a delinquent account and ruining my credit over {$260.00}. I finally gave up and paid the bill but it has made it very hard to get approved for anything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2017-06-05
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
2017-06-05
Itasca, IL
Attempts to collect debt not owed
Debt collection: Auto debt
Debt is not yours
Complaint: I received a copy of my credit report on XXXX XXXX , 2017 and notice Ally Financial were listed a agency that sold the debt to a collection as stated on the report and I am not responsible for this debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-04
MI
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with fees charged
Complaint: I bought a XXXX XXXX XXXX XX/XX/XXXX. I have never been late on payments. On XX/XX/XXXX I called Ally Financial and told them that I was going to pay the vehicle off in full no later than the middle of XX/XX/XXXX as I was receiving a small trust. I asked that I not make a payment in XX/XX/XXXX and that they please be flexible and not charge me a late fee as I was going to be paying the car off. The woman I spoke to, XXXX, spoke with her supervisor and then told me that would be fine. She told me the payoff would be # XXXX and to add {$4.00} each day until I paid it off. <P/>On XX/XX/XXXX, I received five phone calls from Ally Financial. I called them back the same day. A man started telling me I owed them a late fee. I told him I did n't and I had already spoken to .... at which time he interrupted me yelling over my voice so I could n't understand anything he was saying. I kept trying to tell him there was no late fee, blah, blah, blah, and that I had already worked this out with Ally Financial, but he would not let me say two words. He continued to drown me out for several minutes. I finally told him, " SHUT UP. '' He would not be quiet. <P/>After several times of telling him to shut up and listen, he finally shut his big abusive mouth. I explained. He said, " You do n't owe a late fee forXX/XX/XXXX, you owe a late fee forXX/XX/XXXX '' I told him I did not. I hung up on him. This was the first I 've heard of this. <P/>My Credit report shows that I have never been late and that I have a perfect record with them. I 'm making an attachment of the coupon to pay that they send me although I pay on line. I 'm telling you something needs to be done. As soon as I turned XXXX years old, I have been lied to, harrased, intimidated, abused by one creditor after another when I do not owe them the money they claim that I do. I have other things to do with my time then sit around on my phone when I 'm genuinely trying to find out what the hay these trained abusers are getting at. If I were a XXXX year old man, they would n't be doing this to me. <P/>
Please, please, do something. You will be getting two more complaints from me from other companies. As soon as these companies think there 's a chance that we seniors are suffering from dementia or are easily intimidated, they all jump on the bad wagon. This is so incredibly cruel and bad and I think any company that does that needs to be put out of business.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-03
NJ
Struggling to pay your loan
Vehicle loan or lease: Loan
Lender trying to repossess or disable the vehicle
Complaint: I XXXX XXXX XXXX an aggrieved man, contacted Ally financial months ago about setting up a payment extension on my auto loan. I fell ill and ended up and the hospital for XXXX . I had to take time off from work. I was not being paid which is why I fell behind on my payments for my auto loan. Not because I am trying to get out of my obligation. I advised Ally banks agent of this and was advise they could set up an extension for me.I even received written correspondence proving this. Yesterday I spoke with one of Ally 's agents and she advised me my account was not eligible for an extension which is not what I was told before via the phone nor in written correspondences. I would great appreciate if Ally would be sympathetic to someone who had XXXX and had to get XXXX for it and fell behind on his payments because of this. I advised the agents that I go back to work X/XX/2017 and will be able to make a payment on X/XX/17 . I was advised by the agent my vehicle would not be put in repossession status unless I miss the payment on the XXXX . Now I find out Ally is going to reposes my vehicle. Which will hinder me from getting back and forth to work to even attempt to make a payment. All I 'm asking is for Ally bank to stop being so evil and money hungry and work with me here. I am an honest man and just want to pay what I owe. I demand Ally do the honorable thing and act on good faith and give me some time. I do not appreciate being lied to by multiple agents acting on behalf of Ally financial.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-06-03
Newark, NJ
Problems at the end of the loan or lease
Vehicle loan or lease: Loan
Problem related to refinancing
Complaint: Ally is incompetent at every level. I paid {$80.00} for them to register my car. They said register it yourself out of frustration I did. I never got that money back. I had to go to the DMV 6 times due to wrong info from them. My daughter is in the XXXX and added undo stress. Because of their error it took 2 months to process. Now when I call it says they are trying to collect a debt. I have received a letter from them thanking me for financing it. I was also told by my processor a check was sent. Now when I call to add it to my online profile to pay it I keep getting bounced around. I just want to pay my bill! Ally 's lease department sends me to finance and finance sends me back to lease! Please I just want to spend my time with my daughter instead of dealing with this nonsense!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2017-06-02
Pinellas Park, FL
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