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 45
2018-12-11
Mill Creek, IN
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
2018-12-11
AL
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with fees charged
Complaint: XX/XX/2017 I purchased XX/XX/XXXX XXXX XXXX from XXXX XXXX through ally Bank with a XXXX down payment, but instead I was sold a Lemon for XXXX for a XXXX mile vehicle with all kind of problems from the flood lights dont come on, tires, brakes wind sheild wipers, car smells like oil is leaking in which it was, tail pipe rusted been under water before, smells molded and smelly when you turn Heat or Air on and also paid XXXX for over a year and half of the payment was interest and I had been spending on this vehicle since I had it they told me when I took it for maintenance they found other issues and I also told the manager of the dealership about these problems and also contacted the XXXX and they still didnt correct all of these problems I am mentioning so I got sick back in XXXX and had to Bankrup, but the Co-debtor still paid the note and the car was taken to the shop again and they said it was other issues again with the car and we were sold a Lemon. so on today a Man from a Repo company came out to pick the car up in which I have not been driving, because of danger issues and recalls and the man was very nice and rung the doorbell in which we been home everyday due to my major medical issues and he told me that Alley Bank told him we were violent and he said to us we were nothing like they described and we have been here everyday, I don't dodge people and he saw that we were voluntarily giving him the keys for something not able to drive anyway, but I feel we were sold a lemon with half of the car note was interest that the making off of us, for a Lemon that they knew they had issues with for XXXX. Also contacted the FTC.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-12-11
Tempe, AZ
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
2018-12-10
Magnolia, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: Ally Financial is currently reporting lates on my account that are inaccurate. I filed a skip payment for the month of XXXX. I should NOT be showing any lates on my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-12-10
Dallas, TX
Credit monitoring or identity theft protection services
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Problem with product or service terms changing
Complaint: I helped my son get a auto loan with Ally Financial Auto XX/XX/XXXX I was principle on loan and son was co-signer, son was not prompt in payments so I took over payments XX/XX/XXXX or XX/XX/XXXX. I paid on time always with auto pay from my bank but I had never received a single statement or communication from Ally. on XX/XX/XXXX I saw online that payment was {$650.00}, I paid the {$650.00} with auto pay. When I went to look at Ally account XX/XX/XXXX account said no record of vehicle and I could not see vehicle account. The auto pay send {$650.00} on XX/XX/XXXX when I went to look at Ally account XX/XX/XXXX I still could still not see account then first week of XX/XX/XXXX I was notified that Ally had reported non-payment to Credit Bureau, I again tried to see account but was still locked out. I called Ally and was told first that I missed several payments when checking Bank I saw I had never missed a payment. I asked Ally what was up as I could not see account, never received a single statement, or communication of any sort and they informed me they only communicate with Co-signer per his telephone request and he had filed Bankruptcy so I was locked out of account and they do not send any type correspondence with principle who had paid for 3.2 years. Ally informed me I should have monitored account they locked me out of since they did not communicate with me and they had no responsibility to communicate with me regarding account or my credit. I was never notified of any discrepancy, received no communication in 3.5 years and was not allowed to see account they told me I should have monitored and still can not see?!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2018-12-10
Mabank, 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: I submit a FTC report to XXXX about a dozens of inquiries and a bank account that was open in my name by the name of ally bank in the amount of XXXX and I was denied of opening up a saving account and I open a a dispute with XXXX and it was denied few times and I contacted ally bank and they open up a dispute and I never heard back from them in few months or received any paperwork from them ... XXXX refused to dispute my item ( Ally Bank ) Debt amount XXXX
Company Response: Closed with non-monetary relief
2018-12-10
Bradenton, FL
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 non-monetary relief
2018-12-08
Randolph, MA
Managing an account
Checking or savings account: Savings account
Banking errors
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2018-12-07
Orlando, FL
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: ally bank loan for my new XXXX XXXX is not being credited as i tell them to. on my first payment XXXX i adde XXXX dollars to the payment and noted on the statement coupon that it was to go toward my principal. they did not put it on my principal. i called them when i had not recieved a ststement in time for me to make an on time payment. they do not have anyone there that speaks english well enough for me to be able to converse with. so i called the ally bank direct and they tried to transfer me back to the same people as before, i refused and they finally contacted them themselves and when they got back to me they told me that i would be sent a statement every month 19 days before my due date. i told them this was a lie. now on XXXX i recieve a statement saying i need to pay XXXX on XXXX but also states that scheduled payment is XXXX on XXXX so what happened to my XXXX payment? i never made it and yet i am getting conflicting information. i did not sign up for any variable rate loan, on my contract it states that i will have payments of XXXX for 6 years and that is what i agreed to nothing else is acceptable why are they able to make their own rules and ignore me when i want to speak to a supervisor none are there please stop this bank doing business in america
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-12-06
Carson, CA
Managing an account
Checking or savings account: Savings account
Banking errors
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2018-12-06
Holden, MA
Closing an account
Checking or savings account: CD (Certificate of Deposit)
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 explanation
2018-12-05
Cairo, WV
Problem with a lender or other company charging your account
Checking or savings account: Savings account
Transaction was not authorized
Complaint: On XX/XX/18, I received an e-mail from Ally Bank stating that they had submitted 2 small deposits and one withdraw to my new linked account for verification of the new account. I had not tried to link any accounts, so I contacted ally Bank on XX/XX/18 to explain that The XXXX XXXX XXXX XXXX XXXX XXXX XXXX was not my account, and I did wanted it removed from my account.
I was informed that Ally in no way could remove the account because of the verification process, but that they would make sure that the verification was cancelled. Then I had to remove the account myself but it could take up to 72 hours to do so. I tried that evening to do so, but was unable to.
I again tried to remove the XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/18, to no avail.
I did not have a chance to try to remove the account on XX/XX/18, but I received an e-mail on XX/XX/18 stating the my transfer request was approved and had been started from Ally.
I logged into my Ally account, and now, it was the XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO removing {$2700.00} from one of my savings accounts. I immediately contacted Ally Bank to say that I did not authorize a transfer of any money to this or any other account. I also explained that I had been trying to remove the account, which had changed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX, MO.
The customer representative stated that they could no stop the transfer, and that the money might end up in the other account. Then I would have to contact Ally to explain that it was fraud. I demanded that it be taken care of, that they stop the transfer. I did not authorize it.
I was told a case would be opened to investigate the situation and someone would call me back.
On XX/XX/18, I was contacted by Ally Bank, but called them back since I was not willing to give them personal identifying information about my account since they called me. XXXX then told me that the {$2700.00} was withdrawn and in the process of being transferred to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO She informed me that there was nothing Ally could do about it, and told me I had to contact the other bank and stop the transfer. I told her that I did not have an account with the other bank, so how was I supposed to stop the transfer that I did not approve?
She gave me an account number that she could see on her end, and I called the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO. Of course, they could not help me since I do not have an account with them, and the number I proved them was NOT my account. They told me to call my local police department.
I contacted the XXXX, MO police department and made a complaint. ( I figured I should contact them instead of my local police, who is in WV ). I then contacted Ally Bank again, and requested to speak to a supervisor. XXXX assured me that the transfer had failed, and that my money was safe. He also said that I should not have been told to call the other bank.
On XX/XX/18, Officer XXXX XXXX, XXXX, MO PD, contacted me and explained that the gentleman who was the owner of the XXXX XXXX XXXX XXXX XXXX account in XXXX had been scammed by one of two companies, XXXX XXXX XXXX or XXXX XXXX, who had his bank information. The officer was not sure how my Ally account was part of this scam, but one of these companies were using his account. The officer had advised both the gentleman and myself to close our accounts. I assured the officer I would close my account once my funds were not frozen from this situation.
I called Ally Bank again, and spoke with the supervisor, XXXX again. He assured me that the transfer failed and my money would be available on XX/XX/18, but my online account said XXXX instead of XXXX.
My funds are frozen, by my choice, until this is resolved. Ally Bank has not taken the correct precautions to help their customer, me. They have been provided the information I gave them from Officer XXXX, and said that they would submit it to their fraud department. However, no one can tell me when I can get my money back, and it seems things keep changing right before I am able to make any progress.
Ally does not care about their customers. This is the second time I have had issues with Ally Bank within the last four months. The first issue was in regards to my vehicle loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2018-12-04
Slidell, LA
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Complaint: Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
ALLY FINANCIAL Account Number : XXXX Account Type : Installment Account Status : Open Monthly Payment : Date Opened : XX/XX/2015 Balance : {$0.00} Terms : High Balance : {$58000.00} Limit : Past Due : {$0.00} Payment Status : Pays account as agreed Comments : AUTO
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-12-04
Detroit, MI
Struggling to pay your loan
Vehicle loan or lease: Loan
Denied request to lower payments
Complaint: I have been trying to call and pay Ally Financial, they are giving me an hard time.
They want me to give them an address I no longer know, they want the vin number I no longer have the car. They keep hang up on me telling me there is nothing they can do.
I'm trying to make settlement or lower payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-12-04
Baytown, TX
Incorrect information on your report
Vehicle loan or lease: Loan
Old information reappears or never goes away
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-12-04
CO
Problems at the end of the loan or lease
Vehicle loan or lease: Loan
Problem related to refinancing
Complaint: I had my van loan financed with ALLY Financial with an ACH debit from my credit Union. My last van payment in the amount of {$360.00} ( after 7 years of financing it ) was made on XX/XX/2018 with a balance of {$14.00} left to pay, which I attempted to pay over the phone twice and online twice. ALLY rejected these payments.
On XX/XX/2018 ALLY drafted another van payment in the amount of {$360.00}.
I called and emailed them from their website numerous times. After 3 weeks they reimbursed me the amount of {$350.00} and subtracted the amount of {$14.00} from the {$360.00} they drafted from my account on XX/XX/2018. I received the title to my van at the beginning of XX/XX/2018.
I checked my bank account on line on XX/XX/XXXX and saw that ALLY took out another automatic ACH in the amount of {$360.00}. I called and emailed them from their website on XX/XX/XXXX. The representative stated that the payments made to them did not show up on their end or on my account.They requested that I fax them my bank statement proving they they took the money out. Friday XX/XX/XXXX I sent them an email from their website and attaching my bank statement and a email to them. On Saturday XX/XX/XXXX I went to my bank and they faxed the bank statement which showed tht they drafted {$360.00} from my account. I checked my account with ALLY on line and it does not show that they took the extra van payments out, but my bank statemnet and balance shows they did. The bank told me that since the ACH agreement was between me and ALLY they ha to close it out.Otherwise I can pay the bank XXXX to unauthorize the draft. But, why should I have to do that? Don't these people communicate with each other? Who else have they donre this to?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-12-04
Ionia, MI
Took or threatened to take negative or legal action
Debt collection: Auto debt
Threatened to sue you for very old debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-12-04
Bowling Green, KY
Managing an account
Checking or savings account: Other banking product or service
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 explanation
2018-12-03
Charlotte, NC
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: This auto loan contract is effective XX/XX/XXXX with minimum payments of $ XXXX/monthly. According to 4 different representatives at Ally, including XXXX, whom I spoke with XX/XX/XXXX at XXXX XXXX, any monies paid over the minimum automatically goes to principal. I made a {$50.00} payment XX/XX/XXXX & called Ally to have monies applied to principal ( I was already paid ahead through XX/XX/XXXX ), as I've been told by 2 representatives a phone call should be placed by the customer to ensure this. I checked the website XX/XX/XXXX, the {$50.00} payment was applied to principal & interest. I called XX/XX/XXXX & XXXX stated she'd escalate issue & have money reapplied, but as a result, my finance charges would double! She said number of days between payments determines interest, which I understand. Keep in mind, I paid {$50.00} on XX/XX/XXXX, and {$270.00} on XX/XX/XXXX. Payments were made back to back. How does Ally justify not applying all monies to principal, then stating I'd pay " a lot '' more in interest because I requested my extra payment to be reapplied correctly? Ally made an error in misapplying payment.
On XX/XX/XXXX, I spoke with supervisor XXXX at XXXX XXXX, who stated any monies paid over the minimum would automatically go to principal. Ally isn't allowing me to pay down the principal balance without assessing me interest, even though I'm paid ahead until XX/XX/XXXX. I understand interest accrues daily, but if I'm paid up to date, there's no reason I should be charged double interest because I choose to pay down principal. XXXX stated that even if Ally reallocates {$50.00}, it won't change my principal balance because double interest will be tacked on to the next payment that I've already paid! Ally is making it almost impossible for the customer to pay down the loan sooner, and will not own up to it's mistake of misapplying a payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-12-02
OR
False statements or representation
Debt collection: Auto debt
Attempted to collect wrong amount
Complaint: My auto lease was handled by Ally ( XXXX. XXXX XXXX XXXX, MN XXXX ; XXXX ). I have contacted the lender on multiple occasions, having spent many hours on the phone to resolve what is an internal billing schedule error on Ally 's part. In short, I have made every monthly payment, and a review of my payments verifies that I send my payment every month via my online billpay, consistently between the XXXX of the month. I was informed by a representative several years ago now that they would in fact fix their billing due date on their internal systems so that I would not be charged late fees/penalties. This was never done and they have now for years continued to carry a balance on my account for wrongful late charges. Several days before I turned the vehicle in ( lease came due in XX/XX/2018 ), I spent over an hour on the phone yet again disputing the {$100.00} charges and was told that the amount would be discharged in its entirety without any negative impact. Yet, I continue to receive bills every month for this amount and am now being threatened with notice of intent to report negative credit information. I AM ABSOLUTELY APPALLED BY THESE DECEPTIVE AND FRAUDULENT PRACTICES OF ALLY AUTO AND REFUSE TO PAY THIS INACCURATE CHARGE. THEY HAVE SHOWN AN ABSOLUTE UNWILLINGNESS TO ACT FAIRLY AND IN ACCORDANCE WITH THE LAW AND SIMPLY RESOLVE THIS, ESSENTIALLY DISREGARDING THE MULTIPLE ASSURANCES I WAS GIVEN BY MULTIPLE REPRESENTATIVES THAT THIS WOULD BE REMEDIATED. AND, HOLDING A NEGATIVE CREDIT REPORT OVER MY HEAD ONLY REINFORCES THEIR UTTER LACK OF CUSTOMER SERVICE AND CHOICE TO BULLY CUSTOMERS RATHER THAN ACCEPT RESPONSIBILITY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2018-12-01
Myrtle Beach, SC
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
2018-12-01
Jackson, GA
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
2018-12-01
Perkasie, 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
2018-12-01
Tarzana, CA
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: XXXX has been non-compliant with removing the unverified account ALLY FINANCIAL Opened Date XX/XX/2016 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that ALLY FINANCIAL was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-30
Ridley Park, 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