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 75
2018-03-24
Cameron Park, CA
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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2018-03-24
Taft, OH
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
2018-03-24
Albuquerque, NM
Attempts to collect debt not owed
Debt collection: Auto debt
Debt is not yours
Complaint: Not valid. I have asked them and written to them to cease and desist from any communication and or credit reporting and they have not. They are in violation of the FDCPA and demand that their negative credit reporting be removed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-03-23
Wallington, NJ
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with additional products or services purchased with the loan
Complaint: I bought this XXXX XXXX truck back in 2015 from XXXX XXXX XXXX in XXXX NY. They included mechanical coverage upto XXXX miles without my knowledge and have not mentioned in the discussion we had worth {$3800.00} which is Insane. I got to know when i was looking at my amount paid and balance and then i called them to check and they said we do it daily. Means its with every car they sell but was never discussed with me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-03-23
Lenoir City, TN
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: ( XXXX ) NOW ALLY FINANCE WHICH SHOWS ON MY CREDIT AS XXXX HAS ACCT ALL WRONG AND WILL DO NOTHING ABOUT IT IT IS 72 MONTH CONTRACT STARTED XX/XX/XXXX. SHOULD BE DONE XX/XX/XXXX I HAD 3 EXTENSIONS WHICH PUSHS MATURITY DATE TO XX/XX/XXXX.? THIS IS VERY EASY TO SEE I HAVE PAID OVER 30000.00 That was XXXX loan. I had to pay until XX/XX/XXXX to pay loan off they ended up with extra 18 months, you can look at XXXX and see all the notes they made me pay 90 months on 72 month loan with only 1 time 30 days late. I always paid my late fees. I have copy of my contract and credit report backs up my claims, the math does not add up. I paid XXXX more than what I should have, XXXX at 18 extra months that should not have been ..
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Account Number : XXXX Status : CONTACT XXXX FOR STATUS Account Owner : High Credit : {$17000.00} Type of Account N/A Credit Limit : Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$0.00} Date Reported : XX/XX/XXXX Amount Past Due : Date of Last Payment : XX/XX/XXXX Actual Payment Amount : Scheduled Payment Amount : {$450.00} Date of Last Activity : XX/XX/XXXX Date Major Delinquency First Reported : Months Reviewed : 90 Creditor Classification : Activity Designator : Paid and Closed Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : XX/XX/XXXX Type of Loan : Auto Date of First Delinquency : N/A Comments : Consumer disputes this account information 81-Month Payment History Year XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX NR NR * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR 30 NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR NR NR NR NR NR NR NR NR XX/XX/XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR NR NR PLEASE HELP WITH THIS XXXX IS A LOT OF MONEY THAT I COULD HAVE USED NOW COMPONDED WITH INTEREST WOULD BE MUCH MUCH MORE.
THEY JUST LAUGHED AT ME, AND SAID GOOD LUCK. THANKS XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-03-23
Clark, TX
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
2018-03-23
San Diego, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: i paid my lease in full and Ally Financial is reporting a voluntary repossession on my credit. this has damaged my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-03-22
Tucson, 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: 2 hard inquiries that I 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
2018-03-22
Milwaukee, WI
Managing an account
Checking or savings account: Checking account
Banking errors
Complaint: I have received your response to my request for billing statements, however ; it is insufficient. My original complaint cited fraudulent activity as the cause of the overdraft. The statement and letter you submitted does not prove or disprove the cause of the overdraft. I never received the attached notices ( most likely due to relocating ) and stopped using the account long before XX/XX/2013 as the letter specified. It is my desire to resolve this one way or another but I need to be sure the overdraft was not caused by fraudulent activity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2018-03-22
Bohemia, NY
Struggling to pay your loan
Vehicle loan or lease: Loan
Lender trying to repossess or disable the vehicle
Complaint: ALLY auto financial repossessed my car on XX/XX/18. they did not follow consumer protection laws, motor vehicle laws, and disregarded my protection under the civil service member relief act. local New York attorney generals office has been notified and is in the process of contacting ALLY. The NYS DMV is investigating this as well. ALLY did not provide any documentation prior to after the repossession to myself or at a minimum the DMV.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-03-22
Houston, TX
Managing an account
Checking or savings account: Checking account
Problem making or receiving payments
Complaint: On XX/XX/XXXX at XXXX XXXX my sister ( an Ally Financial Account holder ) sent me {$100.00} USD via Ally Bank 's website using the " XXXX XXXX XXXX XXXX '' feature. I received both an XXXX message and an email stating that the funds were sent to me.
I have used XXXX in the past and usually receive payment within 1-3 days. After 12 days I became concern since I am also an Ally Financial account holder and it seemed strange to me that it would take longer than a few days to transfer money from one Ally account to another Ally account. I called Ally on XX/XX/XXXX, XXXX XXXX in regards to the missing funds. I was told by an Ally representative that it could take up 14 days for the funds to transfer and that she couldn't help me unless I had my sister on a conference call so that she could look up both of our accounts. She also stated that I should call XXXX for more information.
On XX/XX/XXXX at XXXX XXXX I called XXXX in regards to the missing funds. I was told by their representative that the funds was completed on XX/XX/XXXX. The representative did mention that I had two XXXX accounts, one with the stand alone XXXX XXXX, and another with Ally Bank. I was told that the funds were sent to the XXXX XXXX which was tied to an Ally debit card. To prevent any future confusion he stated that he would deactivate the stand alone XXXX account and the only account I would have active would be the one with my Ally account. I informed the representative that the debit card I had attached to the XXXX XXXX was canceled in XX/XX/XXXX. The representative said that if the card was cancelled then Ally would have the funds and I would need to call them.
On XX/XX/XXXX at XXXX XXXX I called Ally on a conference call with my sister. The Ally representative was able to look up both my sister and my account and confirm that the money had been removed from my sisters account, and never refunded. She also verified that my account had never received the funds. I informed the agent that XXXX stated the funds went to an Ally debit card that had been cancelled. The Ally representative stated, that the payment would have automatically declined and the funds would have been rejected and refunded back to the original sender. The representative stated that it could take up to 14 days and so I should wait 14 days for the funds to be refunded.
On XX/XX/XXXX my sister called Ally in regards to the missing funds. She was told they had sent me the funds and to check with me. I did not receive the funds.
On XX/XX/XXXX at XXXX XXXX I called Ally in regards to the missing funds. The Ally representative confirmed that the funds had never been sent to me but could not help me any further unless I had my sister on a conference call so that she could look up her information.
On XX/XX/XXXX at XXXX XXXX I called Ally on a conference call with my sister. I spoke with a supervisor for Ally name XXXX, who was able to look up both my sister and my account and confirm that the money had been removed from my sisters account, and never refunded. She also verified that my account had never received the funds. XXXX then informed me that the funds had been sent to a non Ally account and that I would have to speak to my other bank. I informed XXXX that I had no other bank and that the other XXXX account she was referring to was sent to an Ally debit card that had been canceled in XX/XX/XXXX. I requested that we conference in XXXX so that she could confirm for herself.
On XX/XX/XXXX at XXXX I called XXXX on a conference call with my sister and Ally representative XXXX . We spoke with Consumer Fraud Specialist, XXXX. XXXX informed us that the XXXX payment was completed on XX/XX/XXXX and sent to an Ally debit card ending in XXXX. XXXX looked up the account history my previous debit card ending in XXXX and informed XXXX that she had no history to that card since it was cancelled back in XX/XX/XXXX. Both XXXX and XXXX stated that they would escalate the matter within their respective companies and would get back with me in 3 to 5 business days.
On XX/XX/XXXX at XXXX XXXX I called XXXX and spoke with XXXX representative XXXX. XXXX stated that XXXX was out of the office but that he would look into the matter and would call back as soon as they had an answer.
On XX/XX/XXXX at XXXX XXXX I called Ally and spoke with Ally representative XXXX at the XXXX Contact center. He informed me that Ally had sent me a letter via US mail and to check my mail. I asked him what it was and while he did not go into specifics he did mention that more than likely I would have to speak to my other bank which would have receive the funds. I informed XXXX that I did not have any other bank and that he was probably referring to the fact that the transfer got sent to a separate XXXX account that was not tied to my Ally account number, but rather an old Ally debit card. He stated that he would make a note and my file and would inform the person investigating my account.
It has been 48 days since my sister initiated payment to me. I have not received the funds nor has my sister been refunded. I would like this matter resolved immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-03-22
Bakerview, WA
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
2018-03-21
Powell, OH
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report
Old information reappears or never goes away
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-03-20
Memphis, TN
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: Last year after the whole XXXX data breach I decided to check to see if I was affected and to my surprise, I was. So then I pulled my credit report so that I can see if any fraudulent charges were on my account and there were 2 accounts that I did not know of and a lot of inquires that I NEVER authorized. I later that day went to the police station to make a report of all of the inquires and sent in disputes XX/XX/2017 by mail and called to all the credit companies along with the places that pulled my credit as per the police officers request. So far only 2 companies have deleted the unauthorized inquires. I am requesting that you please remove ALL of the fraudulent unauthorized inquires.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-03-20
Leming, TX
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: Hello, On XX/XX/2017 I went to XXXX XXXX to look and buy a new car, and I was in the process of getting one. The salesman at that time told me that XXXX XXXX has a bank of their own and that they would use that bank to check out my credit and give me a price. The salesman was taking so long and I decided to not take the car instead and look somewhere else. Around a couple of weeks later, I check my credit report on XXXX XXXX and see that there is six different hard inquiries on that specific day. The names are XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Ally Financial, XXXX XXXX XXXX, and XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-03-20
Edgewood, FL
Closing an account
Checking or savings account: Checking account
Funds not received from closed account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2018-03-20
Eight Mile, AL
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: In XX/XX/XXXX we were approved for a holiday payment extension to defer one months payment to the end of our original loan. The extension plan split XX/XX/XXXX 's monthly payment of {$400.00} over two months. XX/XX/XXXX's modified payment of {$120.00} was paid by the due date of XX/XX/XXXX. XX/XX/XXXX 's modified payment of {$280.00} was paid by the due date of XX/XX/XXXX. The regular payment schedule took back over in XX/XX/XXXX and the amount of {$400.00} was paid by the due date of XX/XX/XXXX. Although the extension payments were paid as directed and on time, it appears that the Ally system is not applying the payments correctly. Beginning in lateXXXXXX/XX/XXXX/ early-XX/XX/XXXXI began receiving collection calls for past due payment. I called and spoke with customer service on XX/XX/XXXX ( XXXX ) and she stated that it appeared that the extension was not correctly reflected in our account which was causing the issue -- it would be 2 or 3 days for a follow-up. I never heard back from customer services so I called again on XX/XX/XXXX and spoke with XXXX ( male ) in collections. My calls were automatically being redirected to collections even though I was attempting to contact customer service. Each attempt to contact customer service would require multiple redirects over a period of 45mins sometimes. On XX/XX/XXXX I was eventually sent to XXXX in customer service where she forwarded me to a supervisor on the customer solutions team, XXXX. XXXX logged my issue under reference # XXXX. She stated that the issue was with the extension and that she would waive any late fees that had already been applied to the account. XXXX would have the extension team review my issue and get back to me. I told her that I have been receiving collection calls daily that had become harassing. She put a note on my account for collections to stop calling. On XX/XX/XXXX at XXXX I called XXXX to contact someone on my issue. I was auto-redirected to collections and spoke with XXXX. After explaining my issue and that I needed a managers assistance I waited on hold for 15mins before connecting with XXXX, a collections supervisor. She confirmed some of the same information that XXXX had previously told me -- that the extension needed to be reprocessed and she would follow-up with the extension department. She confirmed that as of XX/XX/XXXX that no reports had been sent to the credit bureaus. She suggested I wait and check back in five days. I asked to be transferred to a supervisor in customer service. At XXXX I was connected with XXXX XXXX He admits that Ally is having problems with the extension and apologizes. Over the next XXXX or so I was placed on a series of holds until I was assured that my issue was a top priority and would be handled immediately. I was promised a call back within 24-48hr with a resolution. This call ended at XXXX. On XX/XX/XXXX, I was also in contact with the Ally Fraud Hotline ( Executive Customer Relations ) at XXXX. A fraud report was filed with XXXX under case # XXXX and they were going to send an update to Ally to get a resolution for the next day. I hadnt heard back from Ally by XX/XX/XXXX so I called Executive Customer Relations and spoke with XXXX to inform her that I hadnt spoken with anyone yet. We had also noticed that during that time our Ally online account portal had changed and we could no longer access any of our account information. At login I received a No Active Vehicle message. XXXX stated that she had not received a message yet from Ally and suggested I called them directly. I called Ally customer service at XXXX at XXXX on XX/XX/XXXX and was redirected to collections where I spoke with XXXX . XXXX forwarded me to customer service at my request. When I connected with someone there I immediately asked for a manager. I was placed on a series of hold for the next 10mins until I reached XXXX on the customer solutions team. I told her about our online account problems and she said that our account was on hold because they were working on the reapplication of payments in an effort to correct my account. She advised that it would be a couple days before my account was again accessible. On XX/XX/XXXX I called Ally customer service at XXXX at XXXX and was redirected to collections. After a series of redirects and holds I finally reached a representative in customer service at XXXX. I immediately asked to speak with a manager and I was connected with XXXX XXXX at XXXX, a supervisor in collections. He stated that I was the third person in that same day to reach him on this issue. He gave me his direct line and said he would be handling my issue from here on out. He assured me he would take care of it asap. I called the Ethics hotline ( executive customer relations ) to give them an update on our case. I spoke with XXXX and she confirmed that they never heard back from Ally regarding the XX/XX/XXXX request. She also said that now that a supervisor/manager was involved that they could not assist any longer. On XX/XX/XXXX it appeared that our issue had been resolved. Online portal showed a current and accurate balance with no past due payments. On XX/XX/XXXX we went online to pay our bill and noticed that the online portal was again incorrect it showed a past due balance and additional fees. That day we also received a letter in the mail dated XX/XX/XXXX stating that our account was past due and an amount of {$3700.00} was due now. I called and spoke with XXXX that morning, XX/XX/XXXX, he said to disregard the letter and to go ahead and make the online payment. We submitted the regular monthly payment of {$400.00} on the due date of XX/XX/XXXX. None of our payments have been delinquent. XXXX said that he was actively working on our issue and that it should be resolved soon. On XX/XX/XXXX our account was still showing as past due for {$520.00}. On XX/XX/XXXX we received a letter in the mail dated XX/XX/XXXX for a notice of report of negative credit information. I called and left a voicemail for XXXX at XXXX and again at XXXX. I left two more messages for XXXX on XX/XX/XXXX. I left another message for XXXX at XXXX on XX/XX/XXXX then immediately called customer service. I was rerouted and redirected numerous times including to a XXXX speaking representative, XXXX. XXXX sent me to her supervisor, XXXX XXXX, who was eventually able to connect me with XXXX. XXXX stated he had been working on my issue and that he had in fact sent an email on my behalf to his internal teams at XXXX on XX/XX/XXXX asking for resolution but had not received a response. I informed XXXX of the letter of negative credit report. He said that he doesnt see that anything has been sent to the credit bureaus on his end if a report was made it had already been reversed. I asked for a written letter of good standing as well as rapid rescore to update my credit report. As of XX/XX/XXXX, my credit score was down 70 points from XXXX. Prior to this my credit score had always remained about the same and only wavered a couple points here or there but never as much as 70! XXXX stated that the issue is with the online payment portal. XXXX stated that he is putting a rush on it to get the payments reversed and reapplied. Then he will have a letter sent. He would be off the next day but if any headway was made while he was out his colleague, XXXX XXXX would contact me. XXXX called me on XX/XX/XXXX at XXXX. He stated that the payment posting seems to be fine and that the issue is actually with how the extension was applied. He said he had a call into the extension team with a 48hr turn around. On XXXX I received a letter from Ally stating that they may discontinue my contact due to unpaid payments of {$520.00}. I called XXXX at XXXX and he said he did see where that letter went out and that I can disregard it. I asked again for a letter of good standing and he said he was unable to do that himself but would put in a request to the credit dispute team to put something in writing. We hung up with him stating that he was calling the credit dispute team right away. This issue has been on-going for three months with no resolution in site. Ive received notification that my credit would be affected but we have always made the appropriate payments on time. Ally verbally confirms that my account is in good standing and that we have made payments as they have been outlined in our agreement and that the issue is on Allys side.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2018-03-20
Lewisville, TX
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 discovered a credit bureau report from Ally Bank that I did not authorize.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-03-20
Chicago, IL
Struggling to pay your loan
Vehicle loan or lease: Loan
Denied request to lower payments
Complaint: In XX/XX/XXXX, due to a temporary financial hardship, I requested for extension and reduction on loan payment until I bounced by financially.
I was unsuccessful in getting that request approved. This resulted in 2 30 day late reportings on my credit back to back for the month of XX/XX/XXXX and 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
2018-03-20
Daniels, MD
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
2018-03-20
Avondale-goodyear, AZ
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 non-monetary relief
2018-03-19
Barnsboro, NJ
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
2018-03-19
Orion Twp, MI
Written notification about debt
Debt collection: Auto debt
Didn't receive enough information to verify debt
Complaint: I received a notification on XX/XX/XXXX, that 75 points were deducted from my credit score because of a debt through Ally Financial that wasn't paid. However, I never received a notification through the mail that I owed anything. My address that they had on file was an old address. I spoke to Ally Financial on XX/XX/XXXX and had them update my old address to my new address on my account, but they must not have saved the address, as the bill was sent to my old address. I never received notification that I owed any debt, as they did not update my address. The mail that was sent was sent back to the collection agency, and no one notified me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-03-19
Bridgeport, OH
Getting a loan or lease
Vehicle loan or lease: Loan
High-pressure sales tactics
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-03-19
Effingham, KS
Communication tactics
Debt collection: Auto debt
You told them to stop contacting you, but they keep trying
Complaint: We had a car financed through Ally Auto ( XXXX XXXX XXXX ). The vehicle was involved in a wreck that totaled the car. Our Auto Insurance paid their part, and our GAP Insurance took awhile to pay off. The GAP Insurance paid off everything except XXXX. Ally started calling us 9-10 times a day and would call us 30 seconds apart on 3 different numbers and also a separate call each day to my wifes work number. I called them and told them the harrassing calls mutiple times a day needed to stop. I told them I got a part time job to help pay this off and I would be paying it off by XX/XX/XXXX. I asked them to no longer call me on XXXX work cell or XXXX work phone. I also asked them to not call my wife at work ( which they had already been told over a year ago not to call her at work ). They have repeatedly still called my wife and work and still call me on XXXX. I am sick and tired of being harrassed by this company on phone lines I have repeatedly told them not to call on. Today I spoke to a supervisor and gave them the information again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation