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 67
2018-05-16
Getting a loan or lease
Vehicle loan or lease: Loan
Credit denial
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-05-16
Other transaction problem
Money transfer, virtual currency, or money service: International money transfer
Complaint: Dear Madam, Dear Sir On Thursday XX/XX/XXXX an international wire transfer was initiated from XXXX with the intent to transfer money into a Ally Bank account. The money was wired to the following account : Receiving Bank : XXXX XXXX XXXX Bank, XXXX.
ABA/Routing Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX SWIFT Code or Bank Identification Code : XXXX Beneficiary Account Number : XXXX as in accordance to Ally guidelines for receiving wires from a non XXXX XXXX However, the sender of the money made an incorrect entry into the " further credit '' field which is required to correctly forward the money into the intended Ally account Correct information : XXXX XXXX XXXX XXXX Information as incorrectly entered by the sender : XXXX XXXX XXXX XXXX Further information : wired amount : XXXX ( euros ) unique transaction ID as per the sender 's bank : XXXX sender 's full name : XXXX XXXX sender 's account number : XXXX sender 's bank : XXXX XXXX XXXX XXXX All attempts of the sender 's bank to stop the transfer proved unsuccessfull. The money left the sender 's bank account. Despite obviously incorrect recepient information Ally Bank does not cooperate in the process or returning those funds. I have already submitted a complaint on XX/XX/2018. Ally Bank 's response was that the money was received on XX/XX/XXXX, rejected and returned on XX/XX/XXXX. However, until today, XX/XX/XXXX, I have not received the money back. I will attach a screenshot of my account statement as of today XX/XX/XXXX. I will attach the original transaction and Ally Bank 's response to my first complaint.
Essentially it looks like I am being lied to as any money sent or " returned '' from US on XX/XX/XXXX should have been posted in my account long ago. This was confirmed by my XXXX bank. They have never received any funds back. They've been trying to get in touch with both XXXX and Ally Bank about this issue and did not receive a reply.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-05-16
Ridley Park, PA
Problems at the end of the loan or lease
Vehicle loan or lease: Loan
Problem while selling or giving up the vehicle
Complaint: On XX/XX/XXXX I traded in my XXXX XXXX to XXXX XXXX XXXX for another vehicle. This vehicle was financed through Ally Bank.
I had GAP Coverage on this vehicle, which was valid at the time of trade in.
On XX/XX/XXXX, Ally Bank issued a refund payment for the unused GAP Coverage in the amount of {$200.00}. The check was issued to myself ( XXXX XXXX XXXX ), and my mother ( XXXX XXXX XXXX ).
Being that the check was issued in both names, we both signed the back of the check in order to deposit the funds. Neither myself nor XXXX XXXX XXXX share any banking accounts in joint name. I first tried to deposit the check with XXXX, which was dishonored because we did not have an account in both of our names. I tried again with XXXX XXXX and was also dishonored for the same reason. Both banks insisted that the easy solution was to have the issuer - Ally Bank re-issue the check one of two ways ; 1 ) in one persons name only, 2 ) split the amount and issue two checks - one in each of our names.
On XX/XX/XXXX I called Ally Bank to request the check be reissued in either of our names alone or splitting the amount and issue checks to both myself and XXXX XXXX. They refused. When I explained the situation they refused and told me no.
This situation has left the bank in a position to be unjustly enriched because I can not deposit the check as issued. They are in the position to cure the problem and refuse to do such. I would hate to have to sue for breach of contract and bad faith, but will have to if they do not respond with an solution immediately. Moreover, I'm sure that situations like this happen and the apathy to investigate and cure is profitable for Banks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-05-16
Wrentham, MA
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
2018-05-16
College Hill, 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
2018-05-16
Finksburg, MD
Struggling to pay your loan
Vehicle loan or lease: Loan
Problem after you declared or threatened to declare bankruptcy
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-05-16
Coral Gables, FL
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 explanation
2018-05-16
Keyport, WA
Getting a loan or lease
Vehicle loan or lease: Loan
Fraudulent loan
Complaint: On XX/XX/XXXX, I went to XXXX XXXX XXXX in XXXX, WA to Look at a vehicle. I did a test drive and decided to attempt to purchase the vehicle by completing my financing at the dealership. I knew that I wanted to go through my credit union as I have had an extensive lending relationship with them. Before the credit was run, The salesperson asked if I wanted them to run it through my credit union and a few other lenders in an attempt to find financing. I agreed to this. I waited in the salespersons room and several minutes later he came back with a printout offering me 9.94 % at 72 mos. I told him no. I asked who the financing was through. He indicated another lender not my credit union. He said hold on and he will see if anything else had come back. I waited another 10 mins and he came back with another document showing a fee removed for XXXX dollars and a rate of 8.94 %. I asked who the financing was through. He said Ally Financial. I asked what happened with my credit union? The salesperson specifically told me that my credit union declined me because I had 13 collections on my credit report. I was shocked, as I just purchased a home 7 mos ago. I have worked extremely hard to achieve homeownership and was aware of 3 outstanding medical collections that have not prevented me from purchasing my home and did not prevent me from obtaining additional UNSECURED credit from my credit union in XX/XX/XXXX when i asked for money for a car repair. I was in disbelief from what the salesperson told me and asked him what my credit score was. He didnt know but went to get my credit info and showed me that XXXX was reporting me with a score of XXXX. I told him to just give me a purchase order and I would call my credit union on Monday to find out why I was declined. He begins to question me as to why I need to check with my credit union if they have ALREADY DECLINED me. I told him I need to have a Sr underwriter to review my loan, because clearly one is not available. Once again, he says what do I think a Sr. Underwriter is going to do when they have already declined me.He leaves the room and comes back with a purchase order. I was set to leave. I then called my brother who is also a car salesman, and I ask him about the car, especially the sales price and the value of the car. I ran some numbers and decided I wanted the vehicle. The payment was XXXX than I wanted to pay, but I was thinking I could take what was being offered at this time and refinance my loan shortly once I cleaned up whatever issue was causing me to be declined by my credit union. I discussed the decline with the salesperson again, and he told me they have had recent issue with my credit union financing another client because they would not accept income as Noted on the customers paystub, stating that the weekly gross did not match they year to date on the stub. I decided to sign the paperwork with the finance person and we also discussed my confusion of being declined by my credit union. He also went into detail regarding the same previous customer and the decline.
I decided to call my credit union on Monday morning and spoke to a Sr. Underwriter and explained what transpired. I was completely surprised when I heard that my loan was approved the following day at its FULL loan structure. NEVER ONCE WAS I TOLD MY LOAN WAS IN REVIEW STATUS by the salesperson or by the finance person. If I had known my loan was in review, I would have waited for an answer. Even if that meant risking someone else buying the car. I made my decision based on the exact words I was told, that my credit union declined me because I had 13 collections. When in fact, they had not even made a decision. I feel that I was misled, profiled, and taken advantage of. The dealer has their best interest at heart the rate they gave me was almost 2 points higher than what my credit union is willing to offer. And I was advised that my rate was lowered from 8.94 to 8.74 % during the signing. I have no Idea how that mysteriously happened. I have tried to work with my credit union to rectify this situation to see if they can pull the loan back, but the dealer told the dealer rep the transaction was already e-funded. The general manager reached out to me and stated he wanted to hear both sides of the story. I explained my side but the conversation went nowhere. The salesperson vehemently denies telling me I was declined and says he told me my loan was in review. I asked the general manager what he was going to do for me, and advise him that I have previous experience as an underwriter myself and know that any deal can be unfunded, but his answer was that he wanted to hear both sides, and he would train his people to communicate correctly going forward. I asked him what that does for me? He did he was done talking with me. I stand by the fact that I did not make up what I was told. While I was doing the transaction I was texting to friends explaining what was happening and what I was told. I have screenshots of my conversations stating I was told my credit union declined me. I will admit to my error of not coming to a dealership with my preapproval, which i will NEVER do again. It did not cross my mind that I would be blatantly lied to. The General Manager did a great job of looking out for his employees. I applaud that. He even accusingly asked me if I was calling the salesperson a liar? My answer is yes. But my screenshots dont lie.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-05-15
Scottsdale, AZ
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: To whom it may concern : I have been dealing with Ally Financial for approximately 6 years with an auto loan. In the month of XXXX I had spoke with an Ally representative requesting an extension for my XXXX payment. The represented submitted my request and I was advised they will contact me to verify if request was approved or denied.
The following week I received a phone call from Ally requesting to collect a past due balance. During the call I advised the representative that an extension was submitted and requested if we could review that. The rep places me on hold for a minute or two. Once they break the hold they advised that they request was approved. I asked the rep again to verify it was approved and they stated yes. I then asked if this was approved why am I receiving this phone call? The lady apologized and advised she will have my information removed. About a week later I received another call requesting to collect a past due amount. I speak to the rep and they stated the approval was never approved. I then asked if every call is notated and if they can pull up the notes and if I can speak with their representative. They then confirmed that they see a call was made out on that day but no notes were left on the file. My next request was to speak to a supervisor to have that call pulled. The supervisor said they have to submit the request and a manager will give me a call back.
A week passes by and I receive a call from a " supervisor ''. The gentleman most likely did not read any notes. I had to explain everything again to another representative. Once I brought him up to speed I asked if they obtained the recording. The gentleman advised no and then stated he will have his manager reach out to me within 2 days. After not hearing from anyone I attempted to call back the number the gentleman called me from but the number was not valid.
After calling back the customer service number I spoke with a gentleman by the name of XXXX who actually read over the notes thoroughly and apologized. He then advised he can not pull the recording but advised me to switch my bill date for the time being in order to prevent the negative hits I was receiving to my credit score. He then stated that I will be contacted the upcoming business week from a manager. This issue began in mid XX/XX/2018 at this very moment XXXX pm mst I am on my 4th call to Ally in efforts to resolve my issue. The most upsetting thing about this process is that there is no representatives you can speak with in the states. My credit score has been dramatically impacted by this run around and I have yet to receive any resolution at this time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2018-05-15
IN
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Complaint: Ally Financial has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-05-15
Dracut, MA
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
2018-05-15
OH
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: Sent Ally letter asking that late payments be removed as we did not agree with late payment reports, they mailed back letter saying they would not change anything they agree with what was reported, after I sent letter they locked me out of my online account so I could not get in and make my payments, when you call you have a hard time getting someone who speaks or understands English. They always say we will look into it and get back with you but nobody ever does.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-05-15
FL
Incorrect information on your report
Vehicle loan or lease: Lease
Account status incorrect
Complaint: I was just notified that my XX/XX/XXXX complaint # XXXX was status closed based on the FALSE representations by ALLY that this XX/XX/XXXX complaint is a duplicate complaint from XX/XX/XXXX. INCORRECT. The prior XX/XX/XXXX complaint was closed in XX/XX/XXXX/XX/XX/XXXX and involved early XX/XX/XXXX payments that were misapplied. No sooner than this case was closed did the EXACT same problem happen to my XX/XX/XXXX/XX/XX/XXXX payment. I provided a letter from my bank 's ACH processor that confirms the problem and this letter is dated XX/XX/XXXX. This is a totally separate instance of the same styled problem and is NOT in any way a duplicate complaint. I have been awaiting ALLY 's response the my XX/XX/XXXX complaint only to now receive this ridiculous response. It appears that ALLY CSR calls all appear to be transferred overseas to what appears to be the XXXX and they're totally useless in this situation. My credit report score is being severely negatively impacted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2018-05-15
Hinkley, 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: A Hard inquiry was reported to my credit on XX/XX/XXXX that I did not authorize. I do not have an account with this creditor.
I called the creditor to resolve this issue on XX/XX/XXXX and they were not willing to help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-05-14
Lynn, MA
Problems at the end of the loan or lease
Vehicle loan or lease: Loan
Problem while selling or giving up the vehicle
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-05-14
Tarzana, 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: To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX, XXXX credit file dated XX/XX/XXXX, XX/XX/XXXX,. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose for doing so since I did not apply for employment with your organization nor did I request credit from your organization.
[ I Was alerted through my credit monitoring service that you pulled a hard inquiry on my profile that i did not authorize. ] Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; '' You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law -- performing a " hard inquiry '' on my XXXX and XXXX file without my permission. I do hope that we can settle this matter amicably. You can remove the inquiry within one ( 1 ) business day of the receipt of this notice. Or, we can meet in court where you will end up removing the inquiry, paying me the civil liability fine, punitive damages for my score drop, plus court and attorney fees. The choice is up to you.
Please contact me immediately at the address listed below.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-05-14
Dulac, LA
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: I have two auto loans with Ally, since XX/XX/XXXX. One vehicle was stolen in XX/XX/XXXX. When it was found it had major damages.It yook Ally so long to corporate with the insurance co. I called for a payoff when I was told the vechicle was totaled, vehicle info was deleted from online also. The payoff that they gave me was less that what was paid to them by the insurance. I recieved a statement of a balance of {$2500.00} but when I called to find out why I still have a balance was told it is in review with a supervisor. I have called them at least ten times, was told it is in review eveytime I call. They call about the other loan payment at least 7-12 times a day even on Sundays this is so disgusting when I explained to them that I make online payments they want you to set up something by forcing you and they threaten you and say you do not want to corporate. I feel like this is harassment. They call from all kinds of numbers that doesn't show its coming from Ally. I can't take this anymore .But when I asked about the totaled vehicle they say you have to call the total loss department. I feel I have been mistreated and disrespected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-05-14
Pikeville, NC
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
2018-05-14
AR
Written notification about debt
Debt collection: Credit card debt
Didn't receive enough information to verify debt
Complaint: Ally Financial has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-05-14
Laurel, NY
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: I have been a victim 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
2018-05-13
MA
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: During the month of XX/XX/XXXX, I purchased a car though XXXX XXXX I looked at 2 other dealers but did not buy from them. At XXXX XXXX I selected XXXX to finance my car purchase. My credit now shows of 30 inquires over the past 30 days. Often 3 or 4 times by the same banks on the same days. I have posted them below. I have contacted XXXX XXXX. The offered no help. They said they have no control over what banks inquire about my credit or when. I also called each bank. They all said they would have some call me back or assist. None of them have. For example, I spoke with ALLY 14 times. Each time they promised that someone would help or call me back. Please help.
XXXX XXXX XXXX ALLY FINAN I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ALLY FINAN I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ALLY FINAN I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ALLY FINAN I XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXALLY FINAN I XX/XX/XXXX ALLY FINAN I XX/XX/XXXX ALLY FINAN I XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALLY FINAN I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX ALLY FINAN I XX/XX/XXXX XXXX XX/XX/XXXX ALLY FINAN I XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-05-12
TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: My credit score from the three major reporting agencies are XXXX, XXXX, XXXX. How can XXXX XXXX justify a rating of XXXX? Because they make up false information on the people so that they can help Ally Bank hopefully make more money on their auto loans.
Limited history at address : I am in the process of moving to this location. I told that to the XXXX people at XXXX when I purchased the car. I've been at my previous address for over 20 years and at the address prior to that for over 10 years.
Not enough debt experience - I usually pay CASH, is that a crime?
Total Account balances?
Limited history at this Phone : 20 years on one phone and 10 years on the other. How XXXX is that?
XXXX XXXX, ( XXXX XXXX XXXX, XXXX XXXX, XXXX., XXXX ) and Ally Bank ( XXXX XXXX XXXX, XXXX XXXX., XXXX ) are co-conspirators to defraud the public by providing wrong and or misleading information, so that Ally Bank can change the terms of the submitted auto loans so that Ally Bank can make more money.
I am not sure if XXXX is also involved in this conspiracy or not, but if you look up all the complaints filed against XXXX XXXX, it sure looks like their might be a lot of auto dealers also involved as well as Ally Bank, for sure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-05-11
De Pere, WI
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
2018-05-11
Houston, 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: Hi my name is XXXX XXXX and I have been trying to dispute a charge for my payment of XX/XX/XXXX. I scheduled the payment to be withdrawn from my account. On XX/XX/XXXX, XXXX XXXX XXXX has withdrawn {$680.00} from my checking account. On XX/XX/XXXX, I get a call from Ally saying my payments did not go through and I have statements from my account proving that the payment was successful. How do I go back getting this resolve so it would not effect my credit score and account. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-05-11
Phoenix, AZ
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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation