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 116
2017-05-23
Tampa, FL
Problem with the payoff process at the end of the loan
Payday loan, title loan, or personal loan: Title loan
Complaint: i contacted Ally Financial to get information on the payoff and release of title once it 's been paid off to be sure that I would not have any issues shipping the Vehicle to XXXX XXXX since I am moving on XXXX XXXX XXXX the vehicle needed to be registered with the port to be ready for Transport on XXXX / XXXX / XXXX . The customer representative assured me there would be no issue because the titles are electronic. I paid the vehicle off and the money left my account on XXXX / XXXX / XXXX . I went to motor vehicle and they advised me I still did not own the vehicle that there was still a lien on it. So i contacted Ally and they decided to then advise me that the lien would be there till XXXX / XXXX / XXXX . That would be a Sunday so I would have to give motor vehicle XXXX to XXXX hrs to be able to give me the title for a vehicle to which they have already been paid. They also had the audacity to tell me I technically did n't own the vehicle even though they received the payoff for this vehicle. So I handed a financial institution over XXXX XXXX dollars and they decide when I will legally own the vehicle which is everything I was trying to avoid seeing as I am in the middle of a large move with XXXX young kids. I may even have to pay to change all the plane tickets then pay extra for the hotel i am staying at and also change the closing date of the home we are purchasing in XXXX XXXX all due t o Ally Financial n ot wanting to release the lean on the vehicle that I paid them. I could have easily voluntarily given them the vehicle and paid for another mini van cash and have no issues but that would have affected my credit negatively, even though this option would have probably cost me less and been less hassle. No matter how many questions are asked, I feel that no one would have told me the exact details just to get their money. No one should have to go through any of this and I feel like if I ever purchase another vehicle in the future this would be a question i would need to ask the bank although I may not get a straight answer. Customer service reps as well as sales agents should be required by law to describe such fine details as to prevent such things from happening and stronger laws should be in place to protect things as such from happening. No matter whom I spoke with at Ally Financial n o one was even willing to show proof of title release or that I even paid the full amount. Not to mention when I log in online it shows I need to make a payment in XXXX , even thought the balance is zero.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-23
Lawrenceville, GA
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 am writing to dispute the following information in my file. I recently received a copy of my credit reports ( XXXX, XXXX, and XXXX ). The credit report showed credit inquiries that I dont recall authorizing. I understand that you should not be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all three credit bureau agencies because it is making it very difficult for me to acquire credit. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Please remove these inquiries from my credit reports immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-23
Roxbury, NY
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-23
NY
Getting a loan or lease
Vehicle loan or lease: Loan
Fraudulent loan
Complaint: Ally financial loaned {$13000.00} in XXXX 2012 payments of {$240.00} so made already a little over {$16000.00} so far call for payoff today and claim I still owe {$5000.00} believe this is in correct and nobody speaks clear English there and struggling to get to bottom of this thanks for listening I really need help direct me to the right person or forward this email to others to see who it is I need to speak with my number is 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
2017-05-22
Bancroft Hall, MD
Getting a loan or lease
Vehicle loan or lease: Loan
Credit denial
Complaint: I was looking to purchase a used vehicle last XX/XX/XXXX . I went to a dealership and we were negotiating a price for a car I liked. I told the salesman that I could probably get the loan from my bank at a good rate. He insisted that the dealership does in house loans and they could probably match the rate and save me the trouble. I told him that I do n't need my credit to be ran around and bounced from lender to lender and he assured me that would n't be the case. Well, I checked my credit report and they tried to get the loan from atleast XXXX different banks ( none of which I 've ever even heard of )! That 's XXXX hard inquires on my credit on the same day! That 's it in a nutshell.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-22
Lawrenceville, GA
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 am writing to dispute the following information in my file. I recently received a copy of my credit re ports ( XXXX , XXXX , and XXXX ). The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n ot be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file with all XXXX credit bureau agencies because it is making it very difficult for me to acquire credit. The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order Please rem ove these inquiries from my credit reports immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-22
Addicks, TX
Took or threatened to take negative or legal action
Debt collection: Auto debt
Seized or attempted to seize your property
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-20
Tacoma, WA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Old information reappears or never goes away
Complaint: This car loan has been on my credit report ove r 7 to 10 years and should be deleted immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-19
Watkins, CO
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: On XX/XX/XXXX at XXXX XXXX MST, I contacted Ally Bank, to change the due date of my car payment to XX/XX/XXXX I spoke to a rep for 17 mins 18 sec. I explained why I needed my due date changed. The rep told me that if I paid {$20.00} by the XX/XX/XXXX that my car payment would not be due until XX/XX/XXXX and I could then set the auto pay for the XXXX of every month to start XX/XX/XXXX. I asked the rep, what about XX/XX/XXXX payment and she stated that my XX/XX/XXXX payment would not be due until XX/XX/XXXX.. I made the payment and it cleared my account XX/XX/XXXX. I tried to go into the system to set my auto payment and the system would not allow it. I called onXX/XX/XXXXat XXXX XXXX. The call lasted for 60 mins and 19 sec. I informed Ally that the system would not allow me to set up auto pay. I was informed that I still owed XX/XX/XXXX payment. I explained what I was told and they stated that I still knewXX/XX/XXXX payment was due. I told them that I was not aware, because the rep told me it was n't due until XX/XX/XXXX. I was transferred to a manager who told me the same thing and still tried to collect the payment. I told that my payment due date would not be extended until I made the payment for XX/XX/XXXX. I told them it was not fair and I no longer had the money because I took the advice of their rep. I told both the rep and the manager that I was going to file my complaint and I was transferred to a third person who said they needed to investigate my claim by listening to the recording and if they found out I was telling the truth, she would help me with my options. She asked that I give her til Tuesday the XXXX before contacting CFPB. It is now Friday the XXXX. I tried to contact Ally on Tuesday the XXXX by phone at XXXX XXXX and by their online email Thursday the XXXX at XXXX XXXX. I still have not gotten any help and the still have not updated my car payment due date and my car payment is late and I would imagine collected late fees. It is not fair to me that I get penalized, when I was directed by their rep. Who either have the wrong info or was not clear when I asked her the questions about my payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2017-05-19
Lk Buena Vis, FL
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with fees charged
Complaint: I took out a auto loan with ally auto bank and since I been with them they been charging me high interest fees and when I called to have them explain the break down of my payments they could n't tell me how the interest was being calculated and more than half of what I pay was going to interest charges and nothing towards my car payment. I asked to speak to a manager a nd the agent refused to transfer me until she said they are not available and someone will contact me within 48-72 hours, which no one called me back. It went on to where I lost my job and was behind on my payment and I told them my situation and they did nothing to help me. They also repo my car without sending me a notice. I called them to find out how and where to get my car back and they did not know where my vehicle was. They gave me 2 wee ks to retrieve my car paying the full amount before they sell it at the action. I made that payment before the given date and when I called to go pick up my car they said they did not know where it was and gave me a number to call the action. I called the action and lucky they did have it already in another city an hour away from my house and ready to be sold. They made a key for it and everything and ally charged me {$300.00} for a key that did not work. Since that I try to contact ally everyday about the issues I have and I keep getting agents from outside the country that keep telling me a manager will call me back and they will put a note on the account and to this day I still have n't got to speak to a manager ne ither did anyone call me back. If I would have known that they were this bad as a company I would have never financed a vehicle with ally auto bank. I would just like to get my money back and return the vehicle because I feel like I am being robbed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-19
MI
Incorrect information on your report
Vehicle loan or lease: Lease
Account status incorrect
Complaint: Ally fraudulently claims that I missed a payment on my account when I did not. They reported to the credit bureau XXXX that I missed a payment and that my account was a charge-off. I have the letter written by Ally stating that they were waiving the bogus {$820.00} in excess wear charge. I did not miss a payment nor is this a charge-off. They also stated in the remarks " Consumer disputes afte r resolution ''. List payment status as a collection/charge-off. Ally waived the fee and I did not contact them afterwards. On my XXXX report, they reported that my account was closed with NO missed payments. Payment status is listed as current. Stated in the remarks " Dispute resolved, customer disagrees ''. Ally continues to illegally damage my credit score and may pot entially damage my ability to apply for a mortgage. What confuses me is that I check my credit report weekly and both XXXX and XXXX both had shown that they were closed with XXXX payments missed. Ally needs to investigated by the federal government. They will correct my credit report immediately, otherwise I will sue them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2017-05-19
Wonder Lake, IL
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
Complaint: On XXXX XXXX , 2017 i paid off My Ally Auto loan. i waited a few weeks to inquire to Ally after not receiving my Auto title to the vehicle. I have been told 6 times from Ally customer service that the title was maile d regular mail to me on XXXX , XXXX . As of today XXXX XXXX i have not received the title and all Ally will tell me is they cant issue a duplicate title request until XXXX XXXX . And that XXXX XXXX is just the date they can request a title to be reissued. It will t ake 3-4 week s for the reissue to take place. i should not have to wait 2 months to receive my title to my vehicle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-18
Northdale, FL
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-17
Newnan, GA
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: XXXX / XXXX / 16 Called credit bureau to try to have inquiries removed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-17
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 explanation
2017-05-17
Dallas, 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: On XX/XX/XXXX I applied for credit through XXXX XXXX . Ally Financial ran my credit XXXX , resulting in XXXX inquiries fro m Ally Financial o n my credit report on the same day. Ally Financial ne eds to remove XXXX of the inquiries. Obviously, XXXX of the inquiries is valid and should stay. I disputed the XXXX inquiry indirectly through XX/XX/XXXX and received a response that the inquiry was authorized, therefore it was not removed ( see attached ). I then wrote a letter t o Ally Financial and disputed the XXXX inquiry directly with them on XX/XX/XXXX ( see attached ). I was very clear in my letter that I agree XXXX of the inquiries is valid, but the XXXX inquiry is NOT valid and should be removed from my XXXX credit report. I received a response dated XX/XX/XXXX that was very generic and simply said that the inquiry was valid ( see attached ). They did not address or otherwise explain why there were XXXX inquiries on my credit report from their company. I have attached a copy of my XXXX credit report showing the XXXX inquiries.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-17
South Florida, 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 have reported the unapproved duplicate hard inquiries and paid-off duplicate collections to the credit reporting agency. They tell me I need to contact the creditors directly with my dispute. I have contacted the creditors via letter and call with no response to these unapproved duplicate hard inquiries and collection they are reporting to the credit agencies. They are the following : DUPLICATE HARD INQUIRIES : * ALL Y FINANCIALS - XXXX and XXXX XXXX AUTO FINANCING * XXXX XXXX XXXX XXXX and XXXX XXXX AUTO FINANCING * XXXX XXXX - XXXX and XXXX XXXX AUTO FINANCIN G * XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX AUTO FINANCING PAID-OFF/DUPLICATE COLLECTIONS - AGENCY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX XXXX XXXX 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
2017-05-16
Okc, OK
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
2017-05-16
Coral Springs, FL
Incorrect information on your report
Vehicle loan or lease: Loan
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
2017-05-16
Quartzsite, 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
Complaint: I have over XXXX hard inquiries that I did n't authorize anyone to do on my credit, and they wo n't remove them from my credit report, different dates and companies and many are the same with different dates
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-16
Wallington, NJ
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 explanation
2017-05-16
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 : 30 days past due as of XXXX 2015 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
2017-05-15
Garland, TX
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
2017-05-15
CA
Managing an account
Checking or savings account: Savings account
Problem accessing account
Complaint: On XXXX XXXX , XXXX at XXXX XXXX XXXX , I received a telephone call from Ally Bank on my personal telephone. The person calling advised me that the call was being recorded. I told him I didnt want to be recorded. He told me I could not communicate via telephone with Ally Bank without my call being recorded and that he could not call me back on a line that is not recorded or otherwise stop the recording. I decline to continue the call. The only account I have with Ally B ank is a savings account. California is a two party consent state as described in Cal. Penal Code 632 . The Federal statute is mute since the California statute is more restrictive and the Federal statute defers to the more restrictive statute when one exists.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-13
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
Problem with personal statement of dispute
Complaint: On Tuesday X/X/17 I spoke to Ally Financial about a payment postponement ( piggyback ) and they agreed to do it. I asked several times about the effect it would have on m y credit score. The consultant assured me that my credit score would not be harmed in any way. To day X/XX/17 I checked my credit score and the company has indeed gone back on their word and reported the payme nt as a 30 day late. I am now going to file bankruptcy because of the incorrect information I was given on a recorded call. This has effected my credit in such a manner that makes it impossible to fix the situation at hand. The spiral effect that is about to incur is the fault entirely 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