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 55
2018-09-02
TX
Communication tactics
Debt collection: Auto debt
Frequent or repeated calls
Complaint: Also involves the phone number XXXX.
I have already made payment arrangements with the collector and their website shows the payment arrangement. Even after making an arrangement they still continue to call me. They continue to call me multiple times per day and 1/2 of the time their automated system just hangs up when you answer. The rest of the times the automated dialer tells you to hold for an important message and then you sit on the phone waiting for a representative who tells you that you need to make a payment even if you've already made an arrangement. they still continue to call me anywhere from 4- 8 times a day.
phone calls begin at exactly XXXX XXXX and continue throughout the day even if you've already spoken to somebody.
Also, I just made a payment two days ago and I am not even past due anymore but they still keep calling me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-09-02
Bellaire, TX
Communication tactics
Debt collection: Auto debt
Frequent or repeated calls
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-09-01
Lewisville, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: Ally is saying that i have multiple payments missing from 30-90 days past due. My payment was not past due, I made what they call an " extension '' to change payment times. every time in my requests there representatives in the calls were always assuring about the effects of the request. never was there a mention of a late payment resulting in the process. Now im even experiencing my account payments being at there competition, while the company is still seeing to mark my account as such. even going as far as to reporting i have {$11.00} remaining to pay 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
2018-08-31
Cibolo, TX
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
2018-08-31
Closing an account
Checking or savings account: Other banking product or service
Company closed your account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2018-08-30
Taylors, SC
Struggling to pay your loan
Vehicle loan or lease: Loan
Lender trying to repossess or disable the vehicle
Complaint: Ally Financial Inc. is providing inaccurate billing for the month of XXXX 2018 balance due is {$1800.00} with late charges of {$100.00}. In addition to inaccurate billing each statement is showing a remaining unpaid balance of {$19000.00}. I received a letter dated for XX/XX/2018 from XXXX XXXX, XXXX Customer Relations in reference to a complaint file on XX/XX/2018 through Consumer Financial Protection Bureau for a fraudulent loan. In the correspondence and based on the review on my account, Ally believes they are furnishing accurate and complete information of credit experience with the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-08-30
Superstition Mtn, AZ
Struggling to pay your loan
Vehicle loan or lease: Loan
Lender trying to repossess or disable the vehicle
Complaint: Ive made Ally Financial aware that due to a divorce and reduction in income i was having difficulty making payments on my vehicle. Although they have issued 2 payment deferrments in the past, i feel based on the circumstances they should have considered lowering the payments temporarily to allow me a chance to get things caught up. Their representatives have been extremely rude and uncaring, only interested in collecting money. Not all of them, but most.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-08-30
Lewisville, TX
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with fees charged
Complaint: I had my loan serviced through Ally Finacial and have decided to surrender my unit due to threatening collection practices being done by the collections department. They use different numbers to get a hold of customers and went as far as calling me blocked on several occasions. They would threaten me to pay and would tell me that my car was going to get repossessed even though at times I was only a week or two behind. The agents would not notate the account and when I called in they denied this. This is called deceptive phone practices and I feel like I was being discriminated against due to my race. I want to put together a class action lawsuit because I know I am not the only customer that his happened to. I have a record of the calls and voicemails from blocked numbers. Please reimburse me my funds and treat your customers right. You can not call blocked and or stop documenting accounts. I will post on social media and also send a complaint to the attorney general and federal trade commission.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-08-29
Belville, NC
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
2018-08-29
Saint Louis, MO
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
2018-08-29
Philadelphia, 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
Complaint: I was promised by several representatives from Ally Financial Auto Loan Department that they were able to remove late payments from Ally Financial. It never occurred and I've also sent goodwill letters hoping they would follow through. Again, nothing ever happened. My payments have been current for the past nine months. One of the representative that I spoke to name is XXXX on XX/XX/2018, reference # : XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-08-29
MI
Problem with a credit reporting company's investigation into an existing problem
Vehicle loan or lease: Loan
Their investigation did not fix an error on your report
Complaint: I began purchasing a vehicle in XXXX of 2017 from Ally Financial and have been making monthly payments since then. I was given access to their online payment system but I was unable to log on to their system. I called their number to ask for assistance and was offered help by one of the companies customer service representatives. She understood and tried to assist me in getting into the system tho I was still unsuccessful. After hearing the situation, she came up with a way to take my information over the phone for automatic payment, taken directly from my account, which was directly deposited from my job via payroll. this began in XX/XX/2017. I'm a XXXX XXXX so when I'm on the road I can't afford to worry about unpaid bills that require me to stop working to make payments manually so this would definitely work out for me. I gave her my XXXX XXXX number, the only card I owned, and she told me the payment would be processed every month on time. Well I received a phone call from Ally a couple weeks later stating that the payment was reversed for non sufficient funds. I knew the funds were the so I called my bank and they assured me that no attempt was made by my auto finance comp. The bank even used a third party to make the payment for me. This unusual pattern, for some strange reason, continued to happen for another 3 months straight. I would be forced to pay an additional {$10.00} to make a payment thru XXXX XXXX.I finally got a call from a supervisor at Ally asking why my money is never available. I called my bank on conference to try to figure this all out. after an hour and being transferred to a second supervisor at Ally, we finally got to the bottom of the problem. She told me that Ally doesn't accept XXXX cards and I had to make another source for payment. I explained that I only had that card. She explained that I could make the payment directly from my bank account, tho it was XXXX XXXX Bank, I said that seemed odd but ok. The super. went on to say that the account worked differently than the card so I agreed and gave her the routing and account numbers. Now I assume were all set once again. This time I get a phone call XXXX weeks after they were supposed to take the payment. I go thru this for another few months until I'm really fed up of manually paying and {$10.00} fees to make the payments every month.I ask for another super at Ally and explain yet again. She places me on hold for a couple minutes then returns to the phone and explains that the problem is that they have been attempting to collect from my account when they clearly don't accept XXXX XXXX anything and is really disappointed the no one I talked to from Ally knew this. She input the information and put in a request to have the 8 months, leading up to this, adjusted and have the late fees reversed as well as have the reporting corrected with the credit bureau companies. I have been refunded the 8 late fees at {$15.00} each but found out that nothing had been done to remove these from my credit bureau. I was told by agents at Ally that I should dispute these with the cred comp. so I have, twice. Each time, Ally has denied that a mistake was made and their reports were correct. I have spent at least an hour on the phone with various supervisors at Ally explaining and having them go thru my account month, by month only to have them to see that the error is with the company and request that the upper management team review their findings and make the necessary corrections on my bureau. they would assure me that they would make a detailed account as to why it should be corrected but also adding that the process would take 30 days to complete. this has happened 4 times and each time I have to go thru the same explanation process only to be denied 45 days later by mail.I 'm really frustrated and have no other ideas on getting this corrected. I had a XXXX XXXX at work and am not able to be insured XXXX a XXXX any longer. I have been trying to finance a home for my family and am hindered by this nightmare of a finance company as these false delinquent payments have caused my credit score to DROP XXXX POINTS! I asked them to explain why i was refunded for 8 lates charges, for the same 8 times 30 days late reported and the answer given was they extended me a one-time courtesy, as they always do when a customer requests. I have notified the customer reps at Ally that I now record all conversations with them, since they can't mail me a copy of their requests nor findings of facts to remove these delinquents. I have recordings of them figuring out the error on the companies part and that they will send it to the upper mgnt team. please assist me with this problem. It would be a tremendous weight off my soul.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2018-08-28
Smyrna, SC
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: My ex husband forged my name on a vehicle loan while we were still married. Its still on my credit report. It needs to be removed ASAP.
Ally financial will not remove it. It was paid off in settlement for {$26000.00} Date opened was XX/XX/2010. I disputed it but they still will not remove.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-08-28
AL
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: We paid our car off on XXXX and Ally sais we still owe {$300.00} for late fees. When I paid {$1100.00} that was for 2 payments and the late fee that we didnt even owe. We had some late fees but not that much. The 2 payments were {$420.00} + {$420.00} = {$850.00} + $ XXXX {$1100.00}. Ally is saying we still owe the {$300.00} and is holding our title ransome. I have attached several papers showing.
In XXXX we got behind because we needed extra money for XXXX. We did not get caught up until I paid the {$1100.00}. The first balance was {$1100.00} ( which I should have paid that, didnt want to over draw my bank ) - {$1100.00} = {$11.00}. But then it popped up that the balance was {$14.00}, so I paid that and then they reversed the payment.
XX/XX/XXXX I tried to make a payment and they reversed it, then I paid the {$1100.00} on the XX/XX/XXXX. They also reversed the payment of {$14.00}, but I kept trying and finally it went thru.
My complaint is that they are holding our title ransome and saying we owe {$300.00} and until we pay it they wont send us the title. Also, they have charged us lates fees that were not due.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-08-28
Bentley, MI
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 non-monetary relief
2018-08-27
Cordova, TN
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 Financial did not provide verification for debt reported on my credit report yet they are reporting inaccurate information to credit bureaus.
The document below is the only documentation provided.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-08-26
Oxford, 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: Previously filed a complaint challenging the accurate reporting of the following inquiries on my consumer credit reporting being reported by XXXX : XXXX XXXX ( XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX ALLY FINANCIAL ( XXXX XXXX XXXX, XXXX, MN XXXX, ( XXXX ) XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, DE XXXX, ( XXXX ) XXXX ) XXXX XXXX ( XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, UT XXXX.
XXXX responded, indicating that regular inquiries will remain on my report for 2 years and I should contact the company that placed such on the report, if I disagreed.
I am challenging all of the above listed account that aren't associated with the authorization of the following account : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; and XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-08-26
WI
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: Opened account in early XXXX to buy a used car. Got medically cleared to join XXXX and left right away, reporting on XX/XX/XXXX. Never made a payment since leaving for the XXXX. End of XXXX and all of XXXX, company said I made payments of {$0.00}. I never made any payments. After 10 years, they finally claim to charge the account off. This account should have been charged off over back in XXXX. It is not past 10 years and they are still reporting it to my credit report. This is well beyond the seven year mark of reporting. Also they a past the statue of limitations in WI which is 10 years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-08-25
East Freehold, 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
2018-08-24
Gridiron, 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
2018-08-24
Virginia Bch, VA
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-08-23
Ivanhoe, VA
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
2018-08-23
New Bern, NC
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
2018-08-23
White Hall, PA
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
2018-08-23
Sanford, 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 explanation