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 117
2017-05-13
NY
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with the interest rate
Complaint: To whom it may concern, It saddens me deeply to write this letter as I survive through my current financial struggle. I am writing about Ally Bank, my interest rate and my efforts to keep my vehicle that I 've been paying on for 2 years. My payments to Ally bank are {$440.00} a month. When I first got the vehicle I was told that the interest rate was very high because I did not have much credit, and that I 'd be able to build and get a lower rate in a few years. Since having a vehicle was a necessity to me keeping my job and taking care of my family, and since it was affordable at the time, I decided to move forward with the purchase. Unfortunately things changed for the worst, and the amount of the car payment is no longer in my budget, yet I 've been doing everything that I can to struggle to make these payments every month. I 've been on payment plans, I 've done everything that I can, however no matter what I seem to do that payments are simply too high. In addition, the value of the car in comparison to the payments that I will be making is unreal to say the least, but this is what new limited credit will get you in the world. I 've writte n Ally Ba nk several times to see if there is something that they can work out with me, either with the interest rate, or anything that will lower my payments to something that is more affordable for my newly demoted salary. I 've gotten no responses. I understand that it is not Ally Bank 's responsibility to assist me with keeping my vehicle, however seeing that the value of this car is no where near the amount that is left over to pay in the loan, I feel it beneficial for both parties to work things out. I 'd like my request sent to the headquarters of Ally Bank. I would like to humbly negotiate one of the following with Ally. I am making every effort to keep my agreement with Ally and with such outrageous interest rates I only ask that they please respond to my letters or forward them to headquarters to see if something can be worked out.
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
Middletown, DE
Opening an account
Checking or savings account: Savings account
Unable to open an account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-12
Saint Clair, MO
Managing the loan or lease
Vehicle loan or lease: Lease
Loan sold or transferred to another company
Complaint: I traded my XXXX XXXX XXXX to XXXX XXXX on XXXX XXXX and purchased a new car with them. At that time I gave the dealership my pay off screen shot and per diem and good through date from Ally website. I got a call from notification that I still owed XXXX after the payment was applied. I have contacted Ally a number of times to inform them I no longer own this car and to contact dealership. They told me they do n't care and Its still in my name. Ally refused to contact them and send them info to get this matter resolved. Its a lousy XXXX and they are giving me a hard time and threating me about reporting to credit bureaus. ACCOUNT NUMBER 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
2017-05-12
Riverside, ND
Problems at the end of the loan or lease
Vehicle loan or lease: Lease
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
2017-05-12
Stevenson, MD
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 an online application for a XXXX vehicle lease in XXXX XXXX . I was not made aware the credit inquiries would constantly be pulled without my consent. I am still receiving credit pulls from the vehicle I drove off the lot with in XXXX . I have multiple inquiries that I did not authorize and am unable to secure personal loans even with excellent credit and fico score due to the number of inquiries.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-11
Marshfield, MO
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
2017-05-10
Temperanceville, VA
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
2017-05-10
IA
Managing an account
Checking or savings account: Other banking product or service
Problem accessing account
Complaint: Ally Investment purc hased XXXX , an online investment company. I am unable to reach Ally Investment by phone regarding my account. I called the telephone number provided on the web-site ( XXXX ) multiple times during the day, and was on hold for hours. I also called Ally Bank general telephone line ( XXXX XXXX ) and spoke to a supervisor, who informed me that he was unable to reach the investment team, using the direct telephone number via the bank telephone system. In addition, I sent Ally Investment an e-mail ( XXXX XXXX XXXX ), complaining that I am unable to reach their telephone customer service. They replied by instructing me to restart my browser. There is an urgent issue that can not be completed on line, and requires a telephone customer service assistant, but I am unable to reach this financial institution. This may cause me financial lose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-09
Plymouth, FL
Managing the loan or lease
Vehicle loan or lease: Lease
Problem with fees charged
Complaint: Follow-up to CFPB Case Number XXXX - I received response from Ally Financial on XXXX XXXX , XXXX with respect to my prior lease an d Ally ' s assertion of excess tire wear. The response is completely inadequate to my complaint as they have not addressed that their tire tread requirements to a returned lease on a XXXX mile contract was, and remains, impossible to achieve on any lease. Ally is fully aware, or at least should be aware, that their tire requirements are false and misleading and is thus a hidden fee to their lease agreements and thus should be considered an illegal action under the Dodd Frank legi slation and the jurisdiction of the CFPB. The response received from Ally is a s imple " canned '' corporate response and fails to address the misrepresentation assert ed by Ally in their lease agreements. Finally, as someone who has leased vehicles for over XXXX years with XXXX per year mileage requirements this is indeed the first time I have ever been assessed excess wear on my vehicle. I can say categorically that the said vehicle was returned to Ally in immaculate condition and with tire tread well within legal safety requirements. As noted the Ally lease has both false and misleading requirements that were at the outset impossible to physically achieve, hence should be illegal u nder the CFPB 's mandate!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-09
Belle Harbor, NY
Opening an account
Checking or savings account: Savings account
Didn't receive terms that were advertised
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-09
Deerfield Beach, FL
Closing an account
Checking or savings account: Checking account
Can't close your account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-09
Three Bridges, NJ
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Complaint: Time : Early - Mid XXXX Problem : I Was Being Restricted From Withdrawing Funds Via ATM. Upon Request Why, The Bank Representative Said It Was Due To Change Of PIN. I Never Changed My PIN. Someone On The Inside Was Restricting Me From Withdrawing For Reasons Yet Unknown. This Was The Second Time. The First Time They Claim It Was Due To The ATM Card. The Card Was Still Fairly S till New. I Found It Odd Due To The Fact That I Was Able To Make Purchases With It Before The Issue. So I Closed My Ac counts. Someone On The Inside Was Selling My Info. I Ca n't Prove It, But My Gut Is Strong On This Feeling. Forensic Science Can Reveal The Veracity Behind My Claims. Fast Forward To XXXX . The Same Institution Has Purchased The Brokerage Firm I Have An Account With.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-09
Madison, AL
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
2017-05-08
Blairstown, NJ
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
2017-05-08
Newark, NJ
Problems at the end of the loan or lease
Vehicle loan or lease: Lease
Problem extending the lease
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-08
Orlando, 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
2017-05-06
Chicago, IL
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: I received a loan for {$17000.00} (? ) to buy a XXXX XXXX XXXX . The original price without tax was {$14000.00}. I put {$1500.00} down. Now I 've been paying Ally Financial s ince XXXX XXXX XXXX So that ' s 8 months o f payment at {$340.00} a month, which totals up to {$2800.00}. Why is it the I still owe {$16000.00}? I would like for you to contact Ally, and have them explain to your agency where the XXXX went to. Also, is n't 11.50 per c ent interest illegal? Please write or e-mail me back about this. Thank You, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-05
Effingham, KS
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 went into XXXX XXXX ( XXXX XXXX XXXX ). On XX/XX/XXXX because XXXX XXXX , called my call phone and had told me that I had won a vacation from my last purchase. I was hesitate originally but I went in a few days later. I filled out the form for the " Vacation and booking ''. And then the next day I get a credit alert that I had applied for credit. I went back to XXXX XXXX . I then spoke with Owner XXXX XXXX and Co Owner ... XXXX XXXX . I was assured that this credit mark would be removed and that they would submit a dispute to you ; the credit bureau. Since XX/XX/XXXX I h ave not had any resolution with getting this unauthorized inquiry removed and deleted from my credit file. I have submitted this same kind of dispute to all XXXX credit bureaus and still no response. I have also attracted a letter signed and dated by XXXX XXXX that the credit pull on XX/XX/XXXX and in XX/XX/XXXX were both unauthorized and should not have been pulled on my credit just for a promotional vacation offer. Also somehow my credit filled was pulled and my score was lower again on XX/XX/XXXX . There was no explanation on how or why my credit was pulled this time either. I had n't even been into XXXX XXXX office since the last incident. I have attached a copy of the letters and also a re typed copy of the letter just in case it 's hard to read. I had to call the police because XXXX Attacked me tr ying to take the letter back after I threatened to sue him for ruining my credit report. I am asking that XXXX XXXX Inquiry be removed My my credit file. As for I did not give the company permission to pull my credit file. They also submitted my credit information to XXXX other company 's without authorization or consent. Including : Ally Financial Inc XXXX XXXX XXXX XXXX , MN XXXX The inquiry was submitted on XX/XX/XXXX and on XX/XX/XXXX w ithout authorization or consent. 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX The inquiry was submitted on XX/XX/XXXX and again on XX/XX/XXXX . Both without authorization or consent. 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX The inquiry was submitted on XX/XX/XXXX and again on XX/XX/XXXX . B oth without authorization or consent. 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX, XXXX The inquiry was submitted on XX/XX/XXXX Without authorization or consent. 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX The inquiry was submitted on XX/XX/XXXX . Both without authorization or consent. I am asking for these unauthorized inquiries to be investigated and removed. I also think it 's fair that the derogatory effect be removed. I would like all my points back. I have contacted all the companies via certified mail and no one will respond.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-04
Buffalo, 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
2017-05-04
Royal Palm Beach, FL
Managing an account
Checking or savings account: Checking account
Problem making or receiving payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2017-05-03
Bellaire, TX
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
2017-05-03
Wilkes Barre, PA
Managing an account
Checking or savings account: Other banking product or service
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
2017-05-03
Key Biscayne, FL
Managing the loan or lease
Vehicle loan or lease: Lease
Billing problem
Complaint: I had impeccable payment history for the fir st 2 years of the Lease. I bought a home and moved and Ally Financial stopped se nding me my statements. This of course hurt my payment history as I never knew when payments were due. This only happened during the last year, when I was at a new address.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-05-02
Knoxville, TN
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: Closed with explanation
2017-05-02
Falmouth Foreside, ME
False statements or representation
Debt collection: I do not know
Attempted to collect wrong amount
Complaint: My husband and I returned our leased XXXX XXXX to XXXX XXXX after making EVERYsingle motnthly payment on time for three full years. Two days after we left the car at the XXXX, Maine dealership, we were called and told that we owed Ally Financial {$190.00} to repair a 2 '' scratch on the rear panel of the car. We were surprised when they told us to leave the car on the side of the building because they were busy, and that no paperwork was needed to drop it off, so we actually took some pictures of the car before we left. When they called us, we disputed that there was a 'scratch ' on the car and told them we had photos to prove it. They said they had to repair the scratch and we owed them {$190.00}! We had two or three phone conversations with Ally and told them we wanted to see pictures of the scratch, pictures of the repair, and the repair bill proving that they actually did anything to the car. They said they had already removed the car from the lot and they did n't have anything to give us ; i.e, " just pay it. '' We told them we would not pay it until they showed us proof that what they were claiming was true. The phone calls stopped and we assumed they did the right thing and dropped their bogus sham. We learned a month ago that they reported it to the credit burea. How can they just report bogus information without even providing us proof that the charge was valid? Because they know it was not. This is abhorrently wrong ; there was no damage and we have photos to prove it. Let 's see them prove their case! Please have this ridiculously nasty attempt at extortion removed from our credit report. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief