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 27
2019-05-05
Houston, 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
2019-05-05
FL
Managing an account
Checking or savings account: Checking account
Problem making or receiving payments
Complaint: I requested a stop payment on a check sent through bill-pay with ally bank. They told me the stop payment was successful and the funds still cleared.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-04
Hinsdale, IL
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: It looks like a bunch of car dealerships pulled my credit report which was not authorized. I have a new car that I bought two years ago and I am not and will not be looking for a new car anytime soon. This was done without my authorization and obviously constitutes fraud
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-04
Mcdonough, 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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-03
Moultrie, GA
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report
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
2019-05-03
Ft Belvoir, VA
Communication tactics
Debt collection: I do not know
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
2019-05-03
Manor, DE
Improper use of your report
Checking or savings account: Other banking product or service
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
2019-05-02
Albuquerque, NM
Opening an account
Checking or savings account: CD (Certificate of Deposit)
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
2019-05-02
Bay Point, CA
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-05-02
Discovery Bay, CA
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Complaint: My home purchase offer in XXXX, CA was accepted on XX/XX/2019. With all the documents requested I provided in day one including, but not limited to, my tax returns, paystubs, bank statements and source of downpayment, Ally Bank/Loan Advisor XXXX XXXX helped me the rates and terms locked on XX/XX/2019 for the 30 years fixed. The closing date will be XX/XX/2019. Today XX/XX/2019, a merely more than one week from the closing date Mr. XXXX called me and my wife for urgent. Mr. XXXX stated in obscure and rude that the tax and insurance of my property in XXXX, CA have not been counted the right way. Apparently Mr. XXXX was pushing the responsibilities and consequences on me and my wife behind. Mr. XXXX told me that I have two options : 1. Ally Bank modifies my loan terms substantially and unfavorable to me and my wife from 3.875 % to 4.125 % fixed rate, from XXXX to {$3000.00} payment, and from {$650.00} lender credits to {$2900.00} loan fees. Or 2. I switch the loan program from the fixed rate to the ARM, which does not go with our financial plan. I can't trust Mr. XXXX anymore due to his poor practice, which I consider over-promising, unethical, misleading and absolutely not professional. I refused to work with him. I asked for the contact number of his direct supervisor and/or manager. He ignored it and continued his approach trying to convince me to go with either of his two options not favorable to me and my wife.
Company Response: Closed with explanation
2019-05-02
Hoard, TX
Struggling to pay your loan
Vehicle loan or lease: Loan
Denied request to lower payments
Complaint: I requested a deferred payment on this account. I was granted a deferred payment. On the credit report it reflects a A late payment on this account. I have never been late on this account. I have asked this company to go back and find the original information that reflects the late payment. This account would have reflected a do a deferred payment. All I have requested was have the late payment removed from this account. Please research my request in it will reflect that the late payment is the different payment I requested. I have rose several of letters in contacted your company. Please removed from all the agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-05-01
Allenwood, NJ
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: Paid car loan in full, on XXXX19, was told title and lien release was mailed on XXXX19 and to allow 7-10 business days for receipt. Several phone calls after the 10 days to advise no title was received. Spoke to supervisor who DID NOT return call as promised. Still have not received it as of XXXX19. Have called multiple times to inquire. Each time was told to wait longer. Last call on XXXX19 was told " OH IT MUST BE LOST ''! Was told they will XXXX XXXX lien release, paid in full documents and I would receive them in 1-2 days. Still no documents as of today, XXXX19. Another phone on XXXX19 indicated that the documents still HAVE NOT been sent out. currently waiting another return call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-30
Beulaville, NC
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
2019-04-30
Billerica, MA
Managing an account
Checking or savings account: Savings 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
2019-04-30
TX
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
Complaint: ALLY FINCL partial account number XXXX - is reporting incorrectly to XXXX a late payment in XXXX. ( Please see page 3 of the attached credit report. ) The company offered an extension but failed to input the extension correctly into their system and consequently this resulted in a late payment being reflected on my credit report. This incorrect reporting is harming my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-30
Staten Island, NY
Closing an account
Checking or savings account: Checking account
Funds not received from closed account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2019-04-30
Atlanta, GA
Struggling to pay your loan
Vehicle loan or lease: Loan
Denied request to lower payments
Complaint: On XX/XX/2018, Ally Financial started a loan on a brand new car for {$22000.00}. Then on XX/XX/2018, Ally Financial approved a second car in my name for {$28000.00}. Total payments of {$940.00} a month. My monthly income is less than this amount. I contacted Ally and told them that the first car needed to be put in my daughter 's name so the pointed me to the online application. I sent it to my daughter but the fact remains that the car she is driving is in my name. She has done nothing to get the car in her name, so in the meantime, Ally is calling me seven times a day because she has not made one payment.
Every month there is something going on with the car I drive the most recent is the tag. I can not get a permanent tag because the dealer has not completed their paperwork for the state, so there is a hold on the tag. This tag runs out tomorrow. Not to mention the fact that I am a XXXX-year-old grandmother who can not even afford to pay this car note but I struggle every month trying to keep my head above the water.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-04-29
Celebration, FL
Managing an account
Checking or savings account: Checking account
Banking errors
Complaint: Ally Bank continues to ignore repeated instructions to not enroll me in their " optional '' overdraft service.
Ally Bank authorized a debit from my account when the balance was {$140.00}, for {$390.00}. Prior to the transaction posting I had supposedly " frozen '' my debit card from any transactions being approved through it via the " Card Control '' product.
The Ally Bank website offers this advice : " If you didn't set up overdraft transfer service and used your debit card to make a purchase or withdraw cash, then your transaction may be declined but we won't charge an overdraft fee. '' I do not have overdraft transfer service setup, but yet, they processed this transaction and charged me an overdraft fee.
I have tried to talk to Ally about it, however, they claim that they " may '' authorize transactions that will overdraft my account at their sole discretion and " may '' charge me that fee if that happens.
Yet, the agreement and website state something entirely different.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-29
Charlotte, NC
Getting a loan or lease
Vehicle loan or lease: Loan
Credit denial
Complaint: I recently purchased a new car and the dealership arranged financing through XXXX XXXX. I received a letter 15 days later from Ally Bank stating they were denying my request due in part to credit score reporting from XXXX, XXXX and XXXX. They listed a XXXX score from XXXX, nothing from XXXX and XXXX from XXXX. XXXX apparently listed as reasons : Not enough debt experience. Limited history at this phone ( I have had my current number for over a decade. No phone number is even listed there. ) Proportion of satisfactory trades too low ( I don't understand the term or grammar ). Too few bankcard accounts.
I have a feeling this is not a legitimate company and they have access to my information. I am reading comments on XXXX XXXX and online and see a lot of people with the same complaint. It feels as though they are fishing.
I do not want XXXX or Ally to have access to my accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-29
Nashville, TN
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
2019-04-29
FL
Problem with a credit reporting company's investigation into an existing problem
Vehicle loan or lease: Lease
Problem with personal statement of dispute
Complaint: I paid the lease perfect at the end of the lease i turned in the car and verified with Ally Bank that no additional funds were owed. With no phone calls, letters or explanations an charge off was put on my credit. I disputed it with the credit reporting agencies ans Ally said it was charged and then paid. I never paid it and i never had a amount due or to be charged off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-29
Arsenal, PA
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 explanation
2019-04-29
San Diego, CA
Communication tactics
Debt collection: Payday loan 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
2019-04-29
Barretville, TN
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
2019-04-28
NJ
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: A XXXX XXXX, on a 3 year lease, was turned into XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX Utah on XX/XX/XXXX with no issues noted by the dealer. The car was leased to my son and I was a co-signer. A letter was sent to my son and my attention from Ally Financial on XX/XX/XXXX claiming that we owe {$1200.00} for excess wear and damages for the lease. To my surprise, the inspection of the car was conducted on XX/XX/XXXX - 4 months after the car was returned to the dealer. I have no idea where the car was for the intervening four months, who could have damaged it, if parts were swapped on the car, etc. Ally Financial should not be able to claim excess wear on damages when they were grossly delinquent in inspecting the car 4 months after it was turned in and the dealer who accepted the car had no issues.
Also, around XXXX XXXX on Friday, XX/XX/XXXX, a representative from Ally Financial called my mobile number and began threatening me that if I didn't commit to pay the claim Ally would turn my file over to the Collections Department and subsequently damage the credit rating of my son and me. Not only is their claim wrong but I had the invoice from Ally for less than 21 days and they were already threatening to turn the file over to collections.
I have read numerous complaints about Ally on the CFPB website and many more at the XXXX XXXX XXXX and am very concerned Ally will damage my credit rating without being rational about their inspection and collection process which are clearly an issue.
I requested to speak to a supervisor, XXXX, but she could not come to the phone and was supposed to call me back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation