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 73
2018-04-06
Peoria, AZ
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with additional products or services purchased with the loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-05
San Antonio, TX
Problems at the end of the loan or lease
Vehicle loan or lease: Lease
Excess mileage, damage, or wear fees, or other problem after the lease is finish
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-05
Houston, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-05
IA
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: FICO SCORE TYPE XX/XX/XXXX CHANGE>> XX/XX/XXXX CHANGE>> XX/XX/XXXX FICO XXXX XXXX XXXX XXXX -79 XXXX MORTGAGE FICO XXXX XXXX XXXX XXXX -31 XXXX AUTO FICO XXXX XXXX XXXX XXXX -45 XXXX AUTO FICO XXXX XXXX -6 XXXX -138 XXXX AUTO FICO XXXX XXXX XXXX XXXX -84 XXXX BANKCARD FICO XXXX XXXX -6 XXXX XXXX XXXX BANKCARD FICO XXXX XXXX XXXX XXXX -4 XXXX BANKCARD FICO XXXX XXXX -7 XXXX XXXX XXXX BANKCARD FICO XXXX XXXX XXXX XXXX -51 XXXX FICO XXXX XXXX XXXX XXXX -58 XXXX DISPUTE WAS FILED XX/XX/XXXX REQUESTING THAT DATE OF FIRST DELINQUENCY BE UPDATED TO XX/XX/XXXX INSTEAD OF XX/XX/XXXX BECAUSE CAR WAS REPOED IN XX/XX/XXXX AND I WANTED REPORT TO BE ACCURATE. ON XX/XX/XXXX, MY DISPUTE WAS " SETTLED '' AND REPORT UPDATED TO SHOWORIGINAL LATE PAYMENTS IN XX/XX/XXXX AND XX/XX/XXXX REMOVED AND NOW IT SHOWS CHARGE OFF IN XX/XX/XXXX. NOW IT SHOWS UNDER STATUS THAT " THIS ACCOUNT IS SCHEDULED TO CONTINUE ON RECORD UNTIL XX/XX/XXXX. '' IN THE COMMENT SECTION IT NOW SAYS " COMPLETED INVESTIGATIONOF FCRA DISPUTE-CONSUMER DISAGREES. THIS ITEM WAS UPDATED FROMM OUR PROCESSING OF YOUR DISPUTE IN XX/XX/XXXX. ACCOUNT HISTORY : DEBT INCLUDED IN CHAPTER XXXX BANKRUPTCY ON XX/XX/XXXX. '' 1 ) THE DATE OF FIRST DELINQUENCY WAS XX/XX/XXXX, CAR REPOED IN XX/XX/XXXX AND SOLD AT AUCTION I NEVER BROUGHT THE ACCOUNT CURRENT BEFORE IT WAS CHARGED OFF IN XX/XX/XXXX, YET ALLY REMOVED THE LATE PAYMENTS FROM XX/XX/XXXX AND XX/XX/XXXX ( SEE ATTACHED PROOF ) SO IT NOW INACCURATELY SHOWS XX/XX/XXXX AS DOFD. ALSO, JUST A THOUGHT, WHO WOULD CHARGE OFF AN ACCOUNT THAT WAS " OK '' STATUS FOR MONTHS LEADING UP TO THE CHARGE OFF WITH NO LATE PAYMENTS SHOWN PRIOR TO CHARGE OFF? DOESN'T EVEN MAKE SENSE, YET THAT'S EXACTLY HOW MY CREDIT REPORT SHOWS IT BEING REPORTED 2 ) MY CREDIT SCORES TOOK A HUGE HIT BECAUSE OF THE INACCURATE REPORTING BY ALLY AND XXXX BOTH. I ATTEMPTED TO CALL ALLY IN XX/XX/XXXX AND THEY WOULDN'T EVEN SPEAK TO ME.
I CALLED XXXX AND THEY JUST WANT TO KEEP DISPUTING THE SAME ACCOUNT OVER AND OVER. I EXPLAINED TO XXXX THAT THIS IS ILLEGAL. THEY SAID ALL THEY COULD DO WAS DISPUTE WITH ALLYAGAIN.
3 ) I CALLED MY BANKRUPTCY ATTORNEY, XXXX XXXX IN XXXX, FLORIDA AND SPOKE WITH HIM ABOUT THIS SITUATION AND HE DID INFORM ME THAT ALLY/XXXX IS NOT ALLOWED TO REAGE AN ACCOUNT INCLUDED IN BANKRUPTCY AND THAT THE LAST NEGATIVE REMARK FROM ALLY REGARDING THIS ACCOUNT COULD NOT BE AFTER THE FILING DATE OF THE BANKRUPTCY WHICH WAS XX/XX/XXXX.
I EXPLAINED THIS TO XXXX AND XXXX AND XXXX AT XXXX WERE ABLE TO VERIFY TO ME THAT THEY DO SHOW MY BANKRUPTCY AS XX/XX/XXXX, YET THEY ARE ALLOWING ALLY TO CONTINUE TO REPORT IT AS XX/XX/XXXX ( ALMOST 5 YEARS AFTER IT WAS FILED ) AND REFUSED TO CHANGE IT EVEN THOUGH THEY ADMIT IT IS INACCURATE UNTIL ALLY RESPONDS TO YET ANOTHER DISPUTE.
4 ) I WANTED TO BUY A NEW CAR THIS MONTH BUT HAVE BEEN CONTACTING LENDERS TO FIND OUT WHICH SCORES THEY USE AND MOST HAVE TOLD ME XXXX, SO THIS ORDEAL IS AFFECTING ME FINANCIALLY AND EMOTIONALLY. I CAN GET A LOAN BUT IT WOULD BE WITH A HIGHER RATE THAN I DESERVE AND IT IS BECAUSE OF ALLY AND XXXX AND THIS ONE ACCOUNT.
5 ) I DEMAND THAT THIS BE CORRECTED IMMEDIATELY, I SHOULDN'T HAVE TO WAIT A MONTH FOR SUCH A SERIOUS AND ILLEGAL " MISTAKE '' ON THE PART OF ALLY, XXXX OR BOTH. I DON'T KNOW WHO IS TO BLAME BUT MY LAWYER HAS INFORMED ME THAT EVEN IF IT WAS AN ACCIDENT, IT HAS CAUSED ME HARM AND I DO HAVE A LAWSUIT SHOULD I CHOOSE TO GO THAT ROUTE AGAINST BOTH OF THESE COMPANIES.
IF THIS " MISTAKE '' IS NOT ABLE TO BE FIXED TO SHOW DOFD AS XX/XX/XXXX AND REMOVE THE CURRENT BANKRUPTCY STATUS AS XX/XX/XXXX AND PUT IT BACK TO XX/XX/XXXX THEN I DEMAND THIS ACCOUNT BE DELETED FROM MY CREDIT FILE. IT SHOULD'VE BEEN AUTOMATICALLY REMOVED IN XX/XX/XXXX ANYWAY BUT BECAUSE ALLY CHOSE TO WILLFULLY REAGE THE ACCOUNT, IT WILL NOW REMAIN UNTIL XX/XX/XXXX AS IT IS AND WITH THE BANKRUPTCY STATUS THAT ALLY IS REPORTING, THIS WILL CONTINUE TO HARM ME FOR MANY MONTHS.
6 ) I AM A MEMBER OF XXXX SO I GET UPDATE REPORTS AND 28 DIFFERENT FICO SCORES AT THE END OF EACH MONTH. I HAVE THE REPORTS AND ALL OF THE ABOVE LISTED SCORES ( AND MORE ) AND I WILL BE TURNING THEM OVER TO MY ATTORNEY IF THIS ISN'T FIXED IMMEDIATELY. I DON'T WANT TO SUE BUT SINCE ALLY & XXXX HAVE REPEATEDLY REFUSED TO CORRECT THIS ACCOUNT, I MAY NOT HAVE A CHOICE. I JUST WANT IT FIXED, NOW.
I DEMAND THIS BE FIXED OR DELETED IMMEDIATELY
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-04
E Somerville, MA
Closing an account
Checking or savings account: Checking account
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 explanation
2018-04-04
North Shaftsbury, VT
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
2018-04-04
Georgetown, IN
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: My ex-wife claimed bankruptcy a little over two years ago. Included in the bankruptcy was a XXXX XXXX in which I was a co-signer. As a result of the bankruptcy, Ally started to report " late payments '' on my credit report. Which was a lie because they were receiving " on time '' payments through my ex-wife 's bankruptcy. My ex-wife 's lawyer contacted Ally directly. Ally agreed to stop reporting late payments in which they did. However, now they refuse to go back and correct the previous months. As a result, my credit score is low. I'm wanting to refinance my home and now I can't.
Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-03
Sm, KS
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
2018-04-03
Charlotte, NC
Problem with the payoff process at the end of the loan
Payday loan, title loan, or personal loan: Title loan
Complaint: Ally was overly paid funds that exceeded the total asking price of {$24000.00}. I was involved in a car accident on XX/XX/XXXX. I was rear-ended by another vehicle which subsequently totaled my vehicle, XXXX XXXX XXXX, that was financed through Ally Financial which defrauded myself, the customer, by over charging excessive billing amount that were never agreed upon nor negotiated at time of contract. The XXXX dealership in XXXX took XXXX down payment from my trade in vehicle which automatically would be subtracted from the total agreed upon negotiated price of {$24000.00} leaving a balance of {$20000.00}. XXXX XXXX XXXX was the at fault insured driver insurance, which paid {$12000.00} to Ally Financial directly, leaving a balance of {$7500.00}. I also had GAP Insurance which covers any unpaid balance associated with the vehicle liability loss, which paid {$6400.00} to Ally Financial directly, leaving a balance of {$1000.00}. Also a service contract was paid t o Ally Financial for {$140.00} leaving a balance of {$940.00} I was told by Ally Financial representative that I paid a total of {$5600.00} from XX/XX/XXXX through XX/XX/XXXX/but only {$2600.00} will be applied towards the principal balance, resulting in an overpayment of $ XXXX/ {$1700.00}. I've reached out to Ally Financial on numerous occasions to rectify this matter and they have not resolved this issue at all. Instead Ally referred me back to XXXX and requested that I pay Ally Financial an additional amount of {$2900.00} to resolve the amount of the debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-03
Rawsonville, MI
Struggling to pay your loan
Vehicle loan or lease: Loan
Loan balance remaining after the vehicle is repossessed and sold
Company Response: Closed with explanation
2018-04-03
Conroe, TX
Managing an account
Checking or savings account: Checking account
Funds not handled or disbursed as instructed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2018-04-02
Speegleville, TX
Managing an account
Checking or savings account: Checking account
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
2018-04-02
NJ
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: I have a vehicle loan with Ally Financial, for {$200.00} on the XX/XX/XXXX every month. I had auto billpay set up, and in XX/XX/2017, I received a bill pay check in the mail from Ally. I turned off my bill pay for the month from XXXX XXXX and deposited the bill pay check I received. The amount {$200.00} was taken out of my account twice by mistake since the automatic bill pay still went through and the bill pay check was deposited. I asked XXXX to reverse one of the payments since I was charged twice. I was then contacted by Ally, stating that when they tried to collect my payment it was denied by my bank. I informed them I was charged twice and only reversed one of the payments, my XXXX account matched this information. Ally responded by saying that they only received one attempt at payment, which was declined and they proceeded to charge me a {$10.00} late fee, in addition to an extra {$200.00} to be paid on top of my next payment. I spent countless hours contacting XXXX XXXX and Ally to figure out where the problem was, even going as far as to send multiple copies of my bank statements to Ally highlighting the error, and opening several investigations. Each time I was told an " investigation '' was underway, I was told to call back again in 10 business days. Each time I did this, the person who I reached at Ally had no knowledge of the investigation, and none of them were capable of pulling up my bank statements, despite me sending multiple copies. After weeks of correspondence, I learned that the bill pay check that I deposited was taken by XXXX, ( deducted from my account ), was never received by Ally. This made my extra payment reversal appear as though I reversed my only payment on their end. I was told that they have no records of the check ever reaching them, and they even ruled out the possibility of it being deposited to someone else 's account by back checking the check number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2018-04-02
Little Flock, AR
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Title loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2018-04-02
Lena, OH
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: I want to file a CFPB complaint against Ally Financial for abusive practices. My car loan with them is for a single borrower, myself. None of my family are on my car loan as co-borrowers. They were listed on the initial paperwork as emergency contacts only.
Ally has called my brother and my parents and have done the following : 1 ) Identified themselves as a financial institute trying to get a hold of me for my car loan.
2 ) Have asked my family if I am dead.
3 ) After talking to my family, Ally proceeds to call them continually to harass them to get me to call them even after they have asked them to stop. My family has been told not to talk to them or take their calls.
4 ) They have contacted my parents using a phone number that they recently obtained, and was not listed on the emergency contact information.
5 ) They call my cell, leave text messages, and have called my work number all in the same day. They do this every day, except Saturday and Sunday
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-02
Patterson, MD
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: Ally financial is the company were having problems with Ally financial is reporting to the credit bureau for my wife and I that we were 30 days late on our XXXX XXXX and 30 days late on a XXXX XXXX when I called financial I told them that I have two letters from my credit union stating that this was a error of theirs. The air was that my wife and I have automatic bill pay and there was a glitch in their bill pay system which calls the payments to be late to Ally financial I have spent six months trying to get this problem resolved I have been told that this was going to be taken off my credit report then they said it wasn't going to be taken off the credit report I have faxed six sets of this letter as they requested in the still no avail Their customer service is been very poor and in accurate it seems like the left hand doesn't know what the right hand is doing since this was not an error of my wife and I and I provided documentation and proof that it was not our fault we've asked them to remove these derogatory comments off of our credit report which are hurting my wife and I 's credit score. I happened like two numerous times and have been treated like a third class citizen for something that we didn't take part in our credit report is good but it has taken a beating for a credit score I really need your help in trying to straighten this out because we are at wits end now
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-02
Moreno Valley, CA
Managing an account
Checking or savings account: Checking account
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
2018-04-02
Fort Lauderdale, 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
2018-04-02
ME
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: XXXX XXXX XXXX was purchased at XXXX XXXX in XXXX, Maine on XX/XX/XXXX by XXXX and XXXX. Payments have been made on time to Ally Financial in XXXX, XXXX. See attached file. XXXX makes payments over online account through Ally on the XXXX of each month. When logging on to make XXXX payment she was notified that her car loan had been paid in full at the dealership. See attached file. XXXX called Ally several times to confirm there was no mistake and to find out why the loan had been paid in full to which they stated it was paid at the dealership and the title had been sent to that dealership and couldn't release anymore information but, that she would be receiving an over payment check in the mail within 30-40 days and that the title was sent to the dealership. XXXX did not find this odd as she had spoken to an employee in the service dept. earlier that week regarding the motor and the warranty of it because the motor had just blown.They were going to check to see if it was covered under warranty or not. She thought that it must have been covered and that her local dealership had paid it off. She then tried talking to someone at the dealership several times and they were not sure as to what she was talking about and claimed that they had not paid it off and yet, the bank insisted that they had. XXXX went to the dealership where she had bought the XXXX to pick up the title because the bank said they should have received it already. The dealership claimed they knew nothing about yet, they would try to find out where the title was. XXXX XXXX contacted the bank and found out that Ally had signed the title over to a dealership in New Jersey and that they now held the title and they would not disclose any more information about it to XXXX. XXXX went home and logged into her Ally account to make sure it was still paid in full to which it was. Now, Ally realized a mistake had been made and that they had sold XXXX XXXX and XXXX XXXX car and signed over the title to a dealership in New Jersey. Ally had sent them ( dealership in new jersey ) the title to their car. On XX/XX/XXXX, still not hearing anything at all from Ally, XXXX called Ally regarding her car and the loan and they said that they had made a mistake and was going to reverse it and that she had to make a payment before XX/XX/XXXX or they were going to report it to the credit bureau due to a late payment over 30 days. When she had asked to speak with a supervisor or someone higher up they refused. She then asked them about selling the title to another dealership and they only kept stating that she was still accountable for the payments even though the title was now in the possession of a dealership in N.J. They stated that they would just get it back and if they didn't she didn't need to worry and that she was to continue payments or her credit and XXXX 's credit would be affected. So, in short Ally Financial closed our account, sold our car, sent our title to the buyer of the car which is some dealership in N.J without our consent and still has never called us concerning the matter. We have paid thousands of dollars on this vehicle and they sold it to a dealership without our signatures on any documents and now they want to hold us accountable for a car payment which is no longer in contract under us but, was sold to a dealership. They currently still do not have the title and as of XX/XX/XXXX have re-opened the contract without contacting us. We are not going to make any payments on this car as it is currently owned by some dealership in N.J. We have contacted the Attorney General Consumer Protection Agency which informed us that there are regulations concerning title contracts that could have been broken by Ally and that we need to make a report to you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-01
Gallatin, TN
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: The following information either XXXX or Ally are reporting on my credit report is false and inaccurate.
1. On XX/XX/XXXX all three Credit Reporting Agencies report that my Ally account XXXX was PAID, CLOSED, and OK.
2. Suddenly, on XX/XX/XXXX either XXXX or Ally is showing the same Ally account XXXX as DEROGATORY, PAYMENT PLAN, CHAPTER XXXX, WAGE EARNER PLAN.
3. This absolutely false. I leased the vehicle from XX/XX/XXXX to XX/XX/XXXX.
4. My Chapter XXXX Bankruptcy was filed on XX/XX/XXXX, so how can this account even mention Chapter XXXX Bankruptcy?
.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-01
Warren, RI
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: In XX/XX/XXXX there was a late payment reported to the credit bureau by ALLY Financial. They reported that the loan was past 30 days late yet I had not received a phone call to notify me that the loan was late. The mobile app is the only way I am able to review my account and make payments. Upon reviewing my account through the app on XX/XX/XXXX it stated the regular payment of {$290.00} was due on XX/XX/XXXX for our first auto loan account as well as {$590.00} due on XX/XX/XXXX on the other auto loan account. The payments for both accounts were made on XX/XX/XXXX ( we have a 10 day grace period for all payments ). After seeing this reported on my credit report I called Ally to correct this problem as I made the payment on time according to the mobile app. They stated they were unsure why the app listed a payment date in XXXX since the payment was actually due in XXXX yet the amount due was only that of a regular payment and did not say there was a past due amount as it should if the payment has lapsed. The same statement appeared on the account in XXXX, telling me the payments were not due until XX/XX/XXXX. Those payments were still made on time. I have screenshots of the app and the incorrect payment due date and have offered to email them to Ally so they can correct this. The representative had stated they can not accept a screenshot of the app. A call was made in XXXX to report this issue and a report was filed with their credit department. I was told they would call me within 30-45 days to update on the issue. I never received a call. I called again in XXXX since the time had lapsed for the report to be reviewed and again they said they would file a report with " high urgency '' and I would be contacted after the case was reviewed again. Still I did not receive a call. My husband XXXX XXXX who is also on the account called on XX/XX/XXXX to see if he could speak with someone regarding the issue. They stated they never received a call from myself and they were unable to locate the 2 previous reports. He requested to file an additional report with " high urgency '' and that has been processed. We have not heard back from any representative yet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-04-01
Arcola, VA
Managing an account
Checking or savings account: Savings account
Fee problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2018-04-01
Arcola, VA
Managing an account
Checking or savings account: Savings account
Fee problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2018-03-30
La Mesa, NM
Incorrect information on your report
Vehicle loan or lease: Loan
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
2018-03-30
Hinsdale, IL
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Complaint: On XX/XX/XXXX I contacted Ally bank regarding an unauthorized transaction on my debit card in the amount of {$190.00} which has posted on my checking account on XX/XX/XXXX. I advised Ally to close my debit card as this charge was not authorized by me. Ally issued provisional credit on XX/XX/XXXX for the dispute case XXXX for {$190.00}. It was several months before I heard anything and thought this case was closed. On XX/XX/XXXX Ally reversed the provisional credit and sent me a letter indicating the reversal date but no explanation as to why I am liable for unauthorized charge on my account. I tried to get in contact with customer service asking to reopen this claim. My last attempt was just today on XX/XX/XXXX but the supervisor indicated after an extensive hold time that she was not able to locate the dispute. This frankly make me very concerned as I have a large sums of money with Ally bank and the way they treat their customers. I don't feel my money is safe if they are siding with unauthorized transactions on their customer 's accounts without even providing reason for their decision. I am very skeptical about their debit card use and even having one open at this time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation