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 30
2019-04-12
Bronx, NY
Getting a loan or lease
Vehicle loan or lease: Loan
Confusing or misleading advertising or marketing
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-12
Wesley Chapel, FL
Improper use of your report
Credit card or prepaid card: General-purpose credit card or charge card
Credit inquiries on your report that you don't recognize
Complaint: ALLY FINANCIAL REPORTED AN INQUIRY ON MY XXXX CREDIT REPORT THAT IS NOT MINE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-12
Irving, TX
Closing an account
Checking or savings account: Checking account
Company closed your account
Complaint: Please refer to my earlier CFPB complaints about this bank ( ally bank ) : XXXX XXXX My husband was told by XXXX ( from Loss and Prevention Department XXXX and email XXXX ) that the entire will be taken care of. I had already wasted 45 minutes last week in terms of dealing with them. Another 1 hr 45 minutes yesterday to contact the Loss Prevention department. Yesterday i was told that my husband should be speaking to them-I have no idea what's going on?
My husband has already spoke to them multiple times and sent numerous emails.
This bank is very notorious and cheap - very long wait time - around 2 hours some of the time-why not they hire US Workers locally.
It's not at all clear what needs to be done ... my spouse was told to send {$3200.00} so that account will be closed. He already instructed them via email.
We had a check of {$830.00} which for more than 2 weeks back was deposited. We have no idea what happened to the check?
Yesterday i received this letter from them to pay them money ... after that myself and spouse are wasting time to reach out to them and on hold of more than 2 hours. This XXXX guy is not available ... if we speak to somebody else ... we get a different story ... this bank is really good for nothing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2019-04-11
Cedar Grove, WV
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: Ive called several times and spoke to Ally Financial and Whoever they refer as XXXX XXXX or whatever. They both can not verify my debt and both keep sending me back an fourth. They have failed to verify my debt via phone and via mail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-11
Anaheim, CA
Managing an account
Checking or savings account: Checking account
Problem accessing 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
2019-04-11
Bartlett, TN
Problem with a lender or other company charging your account
Checking or savings account: Checking account
Transaction was not authorized
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-10
Rollingstone, MN
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Title loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-10
Milton, PA
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
2019-04-10
Dallas, TX
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
2019-04-10
Los Angeles, CA
Attempts to collect debt not owed
Debt collection: Auto debt
Debt was result of identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-10
OH
Managing an account
Checking or savings account: Savings account
Deposits and withdrawals
Complaint: I deposited a check of {$2500.00} to my money market savings account at Ally Bank using their app on Sunday, XX/XX/2019. As of XX/XX/2019, the deposit was marked as approved, but the funds were not available. After getting no reasonable response from their chat feature I called them and they informed me that the check was still processing. And they could put in a request to expedite the process. On XX/XX/2019, they made only {$200.00} of the {$2500.00} available to me. I did not actually get full access to the funds until XX/XX/2019. I finally received an email from them explaining that the deposit was handled according to their policy on XX/XX/XXXX, so I assume that many other customers are having the same issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-10
Haskins, OH
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
2019-04-09
Macon, GA
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
2019-04-09
Jacksonville, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-09
Manhattan, NY
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
2019-04-09
Incorrect information on your report
Vehicle loan or lease: Loan
Public record information inaccurate
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-08
Irving, TX
Managing an account
Checking or savings account: Checking account
Problem making or receiving payments
Complaint: Please refer to my earlier CFPB complaints : XXXX XXXX XXXX XXXX There is more than 1 hour of hold time with Ally bank.
For no good reasons even my online access was blocked and account was frozen.
due to which XXXX Credit card bill of {$1000.00} was delayed by more than 4 days.
I have a credit score of XXXX and never had this issue in 19 yrs for me.
which was suppose to be paid from my ally bank account ending in XXXX But i was told by ally on weekend that my accounts are also frozen.
chatted to XXXX ( XXXX ) they told that my account is past due 2 days.
I have all the money into Ally bank only and NO other account.
My credit score being XXXX and i have had this issue in last 19 yrs ...
I just have to sell 5 stocks of XXXX XXXX at loss ( short term loss ) from my XXXX XXXX account just to have enough money to pay for the credit card bill so that there is no impact on the credit score.
As you can see from the Screenshot*.jpg how long this wait is.
Finally I was able to get hold of Ally fraud team.
Given them instructions to " Please feel free to take out {$3200.00} from my checking account ending in XXXX and deposit into the XXXX XXXX account so that there is no negative balance. '' But i had 4 days of late payment ( possible impact on credit score ) plus overall loss by selling 6 stocks of XXXX XXXX ( loss plus taxes on that )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2019-04-08
Wonder Lake, IL
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with fees charged
Complaint: ally bank has a 10 day notice policy on totaled vehicles ( from insurance company ). I have clear documentation from ally 's own website showing i contacted them 6 days after the accident and my insurance also contacted them on the 7th day to pay off the loan in full. My insurance attempted multiple times to pay the loan off as shown in documents i have from XX/XX/XXXX and XX/XX/XXXX. i have documentation from XXXX showing they attempted to pay ally on XX/XX/XXXX the total amount but could not because the lien holder could not produce the title. Ally made no efforts to collect regular payments for the months of XXXX, XXXX, XXXX, XXXX and XXXX because they were fully aware of the claim being processed. In XXXX i began recieveing bills from ally for my normal car payment. They claimed it was for interest accrued while they waited for payment from XXXX. XXXX did not receive the perfected title until XX/XX/XXXX even after multiple attempts 4-5 months prior. Ally is refusing to accept documentation in any form other then mail. their customer service department has passed me around for 20+ hours on the phone with no changes, no willingness to help, and ive been hung up on multiple times. They are trying to force me to use gap insurance to pay over {$700.00} in charges that shouldn't be there in the first place. A quick review of their XXXX page will show this is the standard at their business. I also attached a document showing where ally refunded a payment of {$230.00} which brought my balance back up to {$7800.00} which was the exact amount payed to them in full ... proving they were totally aware of the situation on their own website. No one i spoke to could see that info until i brought it up and once i did i was told they would not comment on it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2019-04-06
Wonder Lake, IL
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: On XX/XX/XXXX I received notice that a delinquency was reported to XXXX on my auto loan. I purchased a vehicle on XX/XX/XXXX, it was financed through Ally Financial at the dealership. I later refinanced with my bank XXXX XXXX XXXX. Multiple times since refinancing I received letters from XXXX stating that they had not yet received the title and I was at risk of default. The first two times I called and explained it was a refinance and they should receive the title from Ally and I was told to ignore the letter. The third time they looked into it and discovered that the payoff to Ally was {$10.00} short so they wrote a {$10.00} check to Ally to settle the account. The next thing I heard was the delinquency report on XX/XX/XXXX stating that the account was 60 days past due with a {$10.00} balance. I immediately filed a dispute with XXXX and then called XXXX. We ended up on a three way call with Ally where it was discovered that Ally processed the payoff incorrectly and was trying to claim that I still owed a car payment, which was not the case. By the end of the call, Ally essentially admitted fault and cleared the account. They also stated that they would remove the incorrect report to XXXX. When I got my results from XXXX they stated that the delinquency was verified to be accurate. They did show that the account has since been settled but they still did not put my credit score back to where it was because of the incorrect report.
I am also including XXXX in this complaint because I called three times and they did not look into it at all until the third call. This could have been avoided if they would have taken care of it the first time I called. In addition they were the ones who wrote the initial check in the wrong amount, causing the entire issue.
Company Response: Closed with explanation
2019-04-06
Naples, 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
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
2019-04-06
Carol City, FL
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Report provided to employer without your written authorization
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-06
Chicago, 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: On Wednesday XX/XX/2017 I went to test drive a vehicle at XXXX XXXX in XXXX, IL. Upon checking my XXXX today I noticed 5 hard inquiries for the date listed above. However, I never personally applied for credit with these creditors listed : XXXX XXXX XXXX, Ally Finan I, XXXX XXXX, XXXX XXXX, and XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-06
E Windsor, NJ
Took or threatened to take negative or legal action
Debt collection: Auto debt
Threatened or suggested your credit would be damaged
Complaint: The Mini Van was reported stolen to the Police but resolved that it was retrieve by Ally Financial as repossess without notice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-05
Falmouth Foreside, ME
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
2019-04-05
CA
Struggling to pay your loan
Vehicle loan or lease: Loan
Lender trying to repossess or disable the vehicle
Complaint: XX/XX/XXXX Vehicle XXXX XXXX XXXX purchased with trade in of XXXX XXXX XXXX and pay off of vehicle with same Finance Company Ally Financial.
A week later Document sent from Ally Finance to my residence describing in detail that omissions and inaccuracies were provided by the Dealership in order to secure the loan for this new vehicle. Basically they were defrauded by XXXX XXXX, Followed by a Document the same month XX/XX/XXXX congratulating and thanking me for paying off the previous loan, nearly $ 14k. The Finance percentage increased to nearly 3 times more then the previous loan due to the Dealership Finance department in collusion with Ally Financial. I requested my loan submisission form from both Ally and Dealership within 2 weeks of this notice, both stated they no longer had this form. Ally assured it would be corrected. Never happened.
I continue to make timely payments at {$690.00} a month awaiting for Ally to renegotiate the interest rate and payment. Never happened.
XX/XX/XXXX, I requested to delay my payment due to the Government shutdown. Ally agreed verbally on the phone that I was eligible for a 60 day extension pushing any payments and fees to the end of contract. Regular scheduled payment to be payable on XX/XX/XXXX and that documents would be sent to confirm this agreement. In acuatuality Ally had already initiated a repo order and was reporting this information to the credit reporting agencies.
Within 1 month calls began to come in, sometimes up to 12 calls a day came in to my cell phone from Ally requesting payment. They acknowledged the agreement and the payment plan but were only following up to update system with name, current address and phone number. Calls continued on nearly a daily basis with Voicemails overloading my inbox. All Call logs saved. I returned phone calls and again its stated that it was only to update system with my information.
I forward all calls now to voicemail and inform them to use the other methods of contact, email and home residence. Never happened.
Calls continue with attempts of basic extortion tactics and threats that money needs to be paid to make this stop. Inform them that they must honor the agreement of payment on XX/XX/XXXX. Several amounts differed from one rep to another in the amounts of {$1000.00} to Nearly {$5000.00}. Even though documentation sent from Ally leading up to this point never show those amounts being requested.I stopped answering my phone due to the excessivness of calls and threats.
XX/XX/XXXX thru XX/XX/XXXX A total of 182 phone calls and voicemails documented call logs from Ally Financial from different numbers using several area codes On XX/XX/XXXX I call Ally and ask them why are they not acting in good faith and the threats and excessive calls. The Rep for Ally apologizes but is aware of the agreement but wants money this day. I inform him that I will self surrender the vehicle as that it's apparent they prefer to have the vehicle back before the payment arrangement they offered. I provide an agreed pick up point with the address of car lot. Ally does not retrieve vehicle, Car lot does not want to be liable for any damage. I pick vehicle up after a few days and park vehicle at my residence with unrestricted access for Allys tow contractors to retrieve self surrendered vehicle unimpeded. I again contact Ally Financial provide my name, the vehicle and the self surrender of vehicles location. Nothing.
Ally being noticed of self surrender XX/XX/XXXX, vehicle as of today XX/XX/XXXX has still not been retrieved.
On the date I spoke with Ally reps about not paying the {$5000.00} dollars, the Rep stated that they would initiate a repo order for not paying the nearly {$5000.00}, was asking what kind of condition the vehicle was in and if it was totaled? I said no, it's in perfect shape and still continues to have the full coverage insurance.It should be noted that in early XX/XX/XXXX while they agreed to the 60 day extension to me, they notified the credit reporting agenciesthe same week, dropping my credit score by a 100 points in one months time and continuing to update credit reporting agencies negativity in 4 day increments.
Of 25 months of payments made on time, at {$690.00}. I believe their incentive was to keep delaying correction of the interest and payments.
This vehicle is in New like condition will be sold and refinanced to another person giving their ability to make more money off a vehicle that this Finance company basically been paid nearly $ 14k on a $ XXXX vehicle only to resale it at close to the original selling price.
So here this Vehicle sits in my from yard awaiting Ally to take Action, They were quick to tarnish my credit worthiness when I didn't agree to their threats.
My advice is to save every document, record every discussion, keep a paper trail, you may need it to prove your claim.
I maintained a log from day one of being notified by Allys documentation to me that they were being supplied information that was purposely misleading, ommisions and inaccuracies from the dealership to secure the loan, yet did nothing to correct it.
This sounded like the bank housing crisis from the past where real estate agents and banks were allowing numbers to be manipulated to secure home loans.
What is a consumer to do, where is my protection against these type of tactics?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation