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 64
2018-06-07
Spring Hill, FL
Credit monitoring or identity theft protection services
Vehicle loan or lease: Loan
Billing dispute for services
Complaint: My girl friend and I purchased a used XXXX XXXX and financed it with Ally finance. They have report us more than 30 days past due 3 separate times incorrectly. I found this on my credit report while trying to obtain a home loan. My loan officer and myself along with an employee from XXXX XXXX called Ally to question the late payments. My due date on the loan is the XX/XX/XXXX of every month. In XX/XX/XXXX they reported me 30 days late when the check was presented to my bank on the XX/XX/XXXX and was cashed. In XX/XX/XXXX, they again reported me 30 days late. This check was written on the XX/XX/XXXX and presented to my bank on the XX/XX/XXXX and posted on the XX/XX/XXXX. The 3rd offense was XX/XX/XXXX I had missed the payment for XX/XX/XXXX and made a double payment in XX/XX/XXXX after I had received a nasty gram from ally reminding me that they did not receive XX/XX/XXXX 's payment. I am asking that these two 30 days late marks on my credit report be removed as I believe it is illegal to report incorrect information. This is adversely affecting my credit report and lowering my FICO score. I am also asking that as a courtesy, ally also remove the 30 day late payment in XX/XX/XXXX, as they appear to have issues with there book keeping. They claim I bounced a check to them, however, I find no bounced checked fee listed in my account during that time frame.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-06-07
TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Old information reappears or never goes away
Complaint: Late payments for XX/XX/XXXX and XX/XX/XXXX are showing on my credit 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
2018-06-07
Sacramento, CA
Managing an account
Checking or savings account: Checking account
Problem making or receiving payments
Complaint: My work sent me a payment on XX/XX/2018 however the payment has not been deposited into my account yet. The funds are showing as withdrawn on their end and I have provided all of this information to my bank. My work used the same information to send the payment as they have for the last two years, however suddenly Ally " can't find it '' and refuse to do anything to look into the situation despite being provided the proof showing that they took the withdrawal from my work 's bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-06-07
OK
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 to XXXX XXXX in XXXX XXXX Oklahoma on XX/XX/XXXX the internet sales manager promised me that my credit would NOT be pulled and then in less then XXXX hours my credit had been pulled 3 times XX/XX/XXXX I complain to all 3 parties involved XXXX, ally financial, and XXXX XXXX XXXX XXXX they refused to do anything about this issue so I then filed a complaint with the better business bureau and the Oklahoma attorney general and still nothing I was miss lead in order to get me to give them my information
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-06-07
Hanford, CA
Problem caused by your funds being low
Checking or savings account: Other banking product or service
Overdrafts and overdraft fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-06-06
Attempts to collect debt not owed
Debt collection: I do not know
Debt was paid
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2018-06-06
Anaheim, CA
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: XXXX, XXXX and XXXX all have been sent a request to investigate on these creditors that are on my reporting. Also hard inquires companies i have no clue about. I have been on a clean streak with trying not to get my credit up and have not open any accounts for these past couple years. but for some reason. these hard inquires have been showing up on my reporting and i dont know why they have not been contacted by the 3 main credit company about this.
Also XXXX XXXX duplicate reporting for the same company is on my report i had only one account with XXXX XXXX XXXX.
XXXX XXXX XXXX - XXXX XXXX - No idea who these people are file a couple dispute with XXXX and XXXX. still nothing.
XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - Apartment - i returned keys already but they sent me to collection and damage my credit for keys that have already been returned.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-06-06
Longs, SC
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-06-06
Phoenix, AZ
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: Hi, I went into a dealership to purchase a vehicle back in XX/XX/2017. The dealership asked to run my credit for approval. I asked that they only submit my report once to the most likely lender. The dealership shopped my credit to 3 other bank institutions without my approval. I want these inquiries removed. I did not realize they could be removed until now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-06-05
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information is missing that should be on the 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
2018-06-05
College Park, NV
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
2018-06-05
Jacksonville, FL
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
2018-06-05
Baltimore, MD
Managing the loan or lease
Vehicle loan or lease: Lease
Billing problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2018-06-05
Beyersville, TX
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Complaint: Within the last few days, issues have happened with XXXX. 1 issue is that my phone number is associated with an Ally account, and as POA in two people 's sets of accounts at XXXX XXXX The sender from XXXX tried {$100.00} to me with my cell number and it didn't even ask which account to send it to, it automatically chose a XXXX account. It was supposed to go to Ally and it hasn't yet.
The 2nd issue is that XXXX took 3 days for my first XXXX money sent. Yet it took the money out and held it back on day 2. They need to fix these communication issues with XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-06-04
Jupiter, FL
Managing an account
Checking or savings account: CD (Certificate of Deposit)
Deposits or withdrawals
Company Response: Closed with explanation
2018-06-04
CT
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: XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX After my bankruptcy my credit score was building nicely and was in the upper 600 's. I received a letter from XXXX XXXX XXXX stating that they work with individuals who have filed bankruptcy to help them with a loan to build their credit.
I agreed to a credit check and was not aware that there would be 7 and 8 hard inquiries on my credit report. I gave them permission to run my report but not to multiple financial institutions.
I waited a year to see if the issue would resolve itself but it has not. the institutions are listed below.
I am reaching out to you in hopes to remove all hard inquiries except for the one I gave permission for which would be XXXX XXXX.
Thank you Inquiry details Ally Finan I Inquiry from XX/XX/2017 National Credit Cards/Airlines XXXX Inquiry from XX/XX/2017 Misc.
XXXX XXXX Inquiry from XX/XX/2017 Automotive XXXX XXXX Inquiry from XX/XX/2017 Finance XXXX XXXX Inquiry from XX/XX/2017 Finance XXXX XXXX Inquiry from XX/XX/2017 Finance XXXXXXXX XXXX Inquiry from XX/XX/2017 Finance Your system only allowed me to report three companies so I reported Ally, XXXX and XXXX XXXX. Please let me know how to report the others. Thanks you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-06-04
E Somerville, MA
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
2018-06-04
Ridley Park, 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
2018-06-03
Chicago, IL
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Reporting company used your report improperly
Complaint: On XX/XX/2018, I applied for an auto loan at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IL, XXXX. Ally Bank was one of the inquiries and instead of using one or two of the three major credit bureaus, they used a company called XXXX , XXXX. I was unaware of this company and this when I received the letter of rejection, I saw the decision was based on information provided to them by both XXXX and XXXX. As previously mentioned, I had no idea who/what this company is/does, but score my was almost 200 points lower than it really is. I don't want my information being shared with and by them and would like to prevent this from happening again. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-06-02
South Florida, FL
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: Initially on XXXX XXXX checking my scores when I came across 2 hard inquiries that I did not recognize. I downloaded my credit report to verify the information on XXXX XXXX. To surprise, I had 2 hard inquiries relating to an auto loan including Ally Bank and XXXX XXXXXXXX. At the time of these inquires I was a XXXX in XXXX therefore unable to make these inquires in what appears to be XXXX and Utah. At the moment, I do not finance any vehicle nor do I want to. I would like to have these removed from my credit report. But most importantly, I would like to prevent this form happening again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-06-02
Gridiron, TX
Incorrect information on your report
Vehicle loan or lease: Loan
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
2018-06-01
NY
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: I tried to dispute this incorrect data reported by Ally Bank. Extension was granted on the telephone for auto loan contract. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXwere all reported as late because of the inability of Ally bank to send the contract in the mail to my home address. When the supervisor at Ally bank was notified of the situation, they said they resent it 3 separate times in the mail to the address on file. Payment was not sent to Ally and I was confused why it had not been received yet in the mail. Supervisor made excuses and said it was my fault ( consumer ) although I know this not to be true. It took over 60 days to finally receive their paper work and when I escalated this complaint to the supervisor I was told that it was my fault I did not get the paperwork back and Ally said they would resend it. After 3 weeks it still did not come and I called back and the situation repeated 2 more times until about 65 days later the paperwork was received and sent back signed to Ally and payment was made within 1 weeks of the paperwork being received but I was told by Ally that they would not remove this for my credit even though this issue was 100 percent due to an inability of Ally Bank to send the paperwork to the correct address on file multiple times in a row. Please help resolve this.
This is from credit report : Account Details Account status Open Type Automobile Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Worst payment status 60-89 Days Late Times 30/60/90 days late 3/1/0
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2018-06-01
Lewisville, TX
Threatened to contact someone or share information improperly
Debt collection: Other debt
Contacted your employer
Complaint: I am writing to report debt collection agencies that have been harassing myself and known associates and family members. I have received over the past few months. It has gotten to the point of my family members and friends being contacted repeatedly by debt collectors. They have been receiving threatening phone calls as well. Please let me know how I can prevent this harassment to desist.
Repetitive voicemails to myself, my mother in law, cousin, and husband. Some two to three times in a row.
The most recent voicemail stated that they will contact my employer about your debt because it is now a location of interest I have received calls after XXXX XXXX CST on all days of the week, excluding Sundays.
I receive calls constantly on my work number which is strictly prohibited by my employer.
I have received voice messages stating that I will be served paperwork if I do not return phone calls.
I have received phone calls without disclosure of the collector 's identity. They refer to themselves as the firm and a Law Firm They end the phone call with I will be seeing you soon which is threatening in nature.
The phone numbers I have been receiving calls from are as follows : XXXX File # Referenced XXXX XXXX No voicemail left XXXX No voicemail left XXXX No voicemail left XXXX File # Referenced XXXX Cadence Farmer is the individual who left the voicemail.
Thank you,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-06-01
Keyport, WA
Problems at the end of the loan or lease
Vehicle loan or lease: Loan
Problem with paying off the loan
Complaint: Ally Auto owned the loan to my XXXX, in mid XX/XX/XXXX my husband sent them a check for {$25000.00} which should have more than paid off the loan. In late XX/XX/XXXX I called to find out why the check had not cleared and found they had posted the check for only {$25.00}. It took over a month to clear this up. The check has now been correctly posted for {$25000.00} and a refund of {$1400.00}. ** was supposedly mailed on XX/XX/XXXX. I called to find about my GAP refund and was told it was included in the refund ( it is not, the math doesn't work ), I was then told that GAP refund would take 45-60 days. I had cancelled the GAP insurance in early XX/XX/XXXX through the dealership ... I called XXXX XXXX and they confirmed that the refund they issued cleared their bank on XX/XX/XXXX. I called Ally back and gave them this information, after transferring several times they stated that they found the refund {$410.00} but it would still be 45-60 days. I feel I shouldn't have to wait this long, especially since they have had the money over 30 days and that they should be paying me interest on the money they have held over 10 days ( that is more than enough time to cut a refund check ). As of today I have not received refund of the overpayment or GAP they owe me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-06-01
Seneca, SC
Getting a loan or lease
Vehicle loan or lease: Loan
Fraudulent loan
Complaint: On XX/XX/XXXX, I purchased a XXXX XXXX ( XXXX ) from XXXX XXXX XXXX Located on XXXX XXXX XXXX XXXX, XXXX SC, XXXX. My problem arose during the month of XX/XX/XXXX dealing with major mechanical problems on the vehicle causing me to become emotionally and financially distressed with unresolved mechanical problems and repairs ( See Attached- XXXX Invoices ). During XX/XX/XXXX, I became aware of the Buyers Guide form ( See Attached Buyers Guide Form ) the information it furnishes is deceptive in violation of 12 U.S.C of Section 5531 and 553 under Federal Trade Comission ( 16 CFR PART-455 ) Used Motor Vehicle Trade Regulation Rule. XXXX XXXX, saleperson employee for XXXX XXXX XXXX he wrote on the Buyers Guide ( See Attached - Buyers Guide ) form in front me and my spouse during the transaction of XX/XX/XXXX ( See Attached - Purchase Contract ). Buyers Guide Form Findings : Failure to disclose sysem covered/duration section ; Failure to disclose dealer 's information or signature on the back of the Buyers Guide ; Failure to disclose Service Contract was available. On XX/XX/XXXX, I file complained with the Department of South Carolina Consumer Affairs ( See Attached - Letter ) requesting the contract be rescinded and to be reimbursed all monies paid in good lieu toward the vehicle. I was informed by the Department of South Carolina Consumer Affairs that they were unable to resolve the matter because the agency acts as intermediary and work for the voluntary resolution of Consumer Affairs to process complaints involving the sales of goods or services for personal, family or household use. I strongly feel the Departments of South Carolina Consumer Affairs did not follow the guidelines to resolve the problem. It is conclusion that the Department of South Carolina Consumer Affairss did not receive accurate facts regarding the sale of the XXXX XXXX XXXX ( XXXX ) and decieved by XXXX XXXX XXXX. Furthmore, I believe that the Department of South Carolina Consumer Affairs is in possession of manipulated documents provided in a response from XXXX XXXX XXXX as documentation. As a result, my complaint was closed on XX/XX/XXXX. On XX/XX/XXXX, I file a complaint on grounds of fraud ad professional misconduct with South Carolina Department of Motor Vehicle Office of Inspector General ( See Attached-Letter ) requesting an investigation on all documentation of the purchase of the XXXX XXXX XXXX ( XXXX ) be completed. The Dealer License and Audit Unit informed me an investigation was conducted and my complaint was forwarded to South Carolina Consumer Affairs for further investigation. I am very disappointed because I read the South Carolina Dealer and Wholesale Manual on Dealership Requirements and clearly states federal law rules which requires that every used vehicle for sale on a dealer lot must have a completed " Buyers Guide form '' in the window etc. The neglectful actions taken on XX/XX/XXXX, led to The Buyers Guide not being fully completed. There were obvious omissions by the dealer with the Buyers Guide not placed on teh window of the vehicle, the dealer 's signature is absent, and pertinent systems covered is missing from the Buyers Guide. As a consumer, we hold professionals to a higher standard of practice and expected information regarding a product, good and services ; they remove the buyer 's option to have concrete facts in making a decision. I have made several phone calls to attorney 's here in the XXXX South Carolina area, unfortunately, none of my calls were returned. I took it upon myself to look up Uniform Codes, Federal Laws, and State Laws to advocoate for myself on these unethical practices, therefore ; I am reaching to XXXX XXXX XXXX XXXX for support in resolving the matter that promotes fair business practices. Moreover, XXXX XXXX XXXX lies with breach of XXXX XXXX XXXX and XXXX Guaranteed Auto Protection/Deb Waiver Agreement/Addendum to Financing Agreement Addendum Contract in absence of my signature. As a direct result of omission and wrongful acts, on XX/XX/XXXX, I sent a Recession Notices certified mail through the United States Postal Services ( See Attached-Letter ) to Ally Financial Inc. and XXXX XXXX XXXX XXXX, exercising my rights to pursant to 15 U.S.C. Section 1635. Additionally, I am using my rights to rescind the loan by Ally Financial Inc. and to be reimbursed all payments made on the XXXX XXXX XXXX ( XXXX ), along with XXXX XXXX XXXX XXXX 's Extended Purchase Price {$8700.00} which is including withe Retail Installment Sale Contract totaling {$36000.00}. As of today, I haven't heard from Ally Financial Inc regarding the Recession Notice but they sent me a Right to Cure letter on XX/XX/XXXX and I did get a response from XXXX XXXX XXXX XXXX they did a cancellation on their contracts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation