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 92
2017-11-29
Discovery Bay, CA
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: If you make payments online the website constantly crashes before completing the transaction or is simply " unavailable '' & prompts you to call them. Calling to make a payment is a {$9.00} fee and they refuse to waive this fee although it is THE ONLY option they give you when website never works.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-11-29
Dallas, TX
Opening an account
Checking or savings account: Checking account
Unable to open an account
Complaint: On Thursday XX/XX/XXXX - I applied for an online joint banking account for my husband and I was denied. I called to verify this on Monday XX/XX/XXXX. I have n't received a letter yet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-11-29
Birmingham, AL
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 is reporting inquiries on my credit report that I do not recognize nor did I approve. Listed are ; Ally Financial XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX is reporting inquiries on my credit report that I do not recognize nor did I approve. Listed are ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/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
2017-11-29
Oxford, GA
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Credit inquiries on your report that you don't recognize
Complaint: On XXXX XXXX, XXXX and XXXX XXXX my social was given to many different banks to request credit without my authorization. I was told that it was ran ONLY one time and suddenly multiple inquiries were placed on my credit report. These inquiries were NOT authorized and when called to report them I was told they could n't be removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-11-29
Danielsville, GA
Communication tactics
Debt collection: I do not know
Frequent or repeated calls
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-11-29
Jacksonville, FL
Managing an account
Checking or savings account: Other banking product or service
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
2017-11-28
Axson, GA
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: This complaint is against Ally Financial. I have been paying extra money with my monthly payments. I was told to call them and tell them what I want the extra money applied to. For the past two months I have been calling ally and I can not get anyone on the phone who understands English. When I ask to be transferred to an american representative, They either end the call or just refuse to transfer the call. I called ally bank several times last week. The representatives call the call center and could not get an american representative on the phone. This is affecting my credit as I am continuing to incur late charges. I would like to speak with an american representative so this problem can be solved. Thanks in advance for your cooperation.
Sincerely, 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
2017-11-28
Douglas, MI
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
2017-11-28
Charlotte, NC
Problems at the end of the loan or lease
Vehicle loan or lease: Loan
Problem with paying off the loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2017-11-28
Bovina, MS
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
2017-11-28
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
2017-11-27
Palos Park, IL
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: On XXXX XXXX, 2016 I went into XXXX XXXX XXXX with a pre-approval letter from XXXX XXXX and test drove a XXXX XXXX. The Manager XXXX XXXX requested an Unauthorized credit inquiry with out my knowledge or consent and my credit was ran 9 times. I realized this had been done once I got home and received a email from XXXX XXXX monitoring alerts. The next day I went back into the dealership and asked to speak with the General Manager XXXX XXXX. I explained what happened and she wrote a letter to the Finance Companies and the Credit Bureau requesting the inquiries be removed on XXXX XXXX XXXX 's behalf. Unfortunately, as of today NONE have been removed. Since then I 've called, faxed, sent certified letters that XXXX XXXX drafted and wrote to each finance company as well as the credit bureau requesting each inquiry be removed. NOTHING has been removed a year later. I 'm in the process of purchasing my first home and these XXXX inquiries are hurting my credit score tremendously and is affecting the finance rate I need and deserve. I should not be penalized for something that I did n't request. The company has asked that they be removed and so have I.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-11-27
Oxford, GA
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
Complaint: I questioned the charges at lease termination in XXXX 2017. I requested a copy of the lease because I misplaced mine. I reviewed it and sent them the following letter : Dear Sirs : I received your bill in XXXX for the lease settlement costs. I questioned the charges and requested a copy of my lease. Now that I have received and reviewed it, I have the following questions : 1. You invoiced me at the rate of {$32.00} per day for 23 days, a total of {$730.00}. The amount, according to the lease, should have been {$690.00} ( calculated as XXXX ( Section 29 of the Agreement ) times the Residual Value of {$17000.00} ( Section 7d of the Agreement ) times 23 days.
2. Your charge for excess wear on two tires exceeds the cost of two new tires of the same brand and type, XXXX XXXX XXXX. Ive enclosed a copy of an on-line ad, and there were several at similar prices, showing new XXXX XXXX XXXX tires to be {$120.00} each. You charged me {$190.00} for each tire. That seems a bit much to me. Again, there are tires on the vehicle, you are only supposed to be charging for excess wear, not a replacement tire.
3. You charged me {$110.00} for a missing Center Console Vent Trim. Honestly, I cant understand how it would be missing, if it was ever there. I am single. If anyone sat in the back seat, it was rare. I cant imagine them stealing the vent trim. Regardless, the item is {$18.00} on ebay. Hard to see how it could cost you more than 6 times that amount to obtain one.
4. The allowable mileage on the lease was XXXX. The mileage at the end of the lease was only XXXX. I understand there is no credit for unused miles, but in view of this and the reasons I put forth above, the other charges appear excessive to me.
I think the cost would be acceptable somewhere around {$800.00}. Above that I truly feel I am being unfairly gouged.
They called repeatedly, standard collection calls. I told them I had questioned some of the charges. I never ... NEVER ... received a response to the letter I sent in XXXX, neither by letter or telephone call. I did finally speak with someone who said that they could see that my questions had been reviewed and that the conclusion was that the charges were correct. No other explanation. I walked this person through the calculation of the fee for excess days and they concurred I was right and said they would ask again for it to be reviewed and I should check back in a week. I believe this was in XXXX. I did check back and got the same answer. It had been reviewed and it was correct. No other explanation for where the charges came from, why they were using the amounts they did, why the calculation was wrong per my reading of the contract. Nothing. So we have reached an impasse. I can not get any explanation for the charges, or any answers to my questions. I have never had a company just tell me I owed something and not be willing to explain where the amounts they want to charge me come from.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2017-11-27
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: Ally Financial has inquiries on all 3 of my credit reports that I did not authorize, I tried having this removed from my credit file with all 3 credit Bureaus and they state Ally Financial verified it, however I never authorized it. the dates are XXXX XXXX, 2016and XXXX XXXX, 2016.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-11-27
Hickory Hill, TN
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 non-monetary relief
2017-11-27
Ferndale, NY
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
2017-11-26
VA
Struggling to pay your loan
Vehicle loan or lease: Loan
Denied request to lower payments
Complaint: I began to get behind on my car payments in XXXX due to XXXX XXXX and a move that I was n't planning on. I received a call from an employee from the following number : XXXX. I had a hard time hearing the message, I think her name is XXXX. In her message, she asked me to return her call before XXXX pm to number XXXX, extension XXXX. I was on XXXX XXXX so I pulled over and it took me 4 times to get someone to agree to transfer me. The employees kept refusing. I had to demand to speak with a supervisor and told her she needed to transfer me. I finally got through and spoke with her person who left a message. I have never had such a hard time reaching someone. She put me on a 60 day extension which she said I had to make a payment on XXXX XXXX or XXXX XXXX and then I would n't owe a payment until XXXX XXXX. This is where my frustration began. I logged on to the app to check my account on XXXX XXXX and noticed that my account is still 3 months behind, it is not reflecting the payment arrangement. I called Ally to see if I could speak with the employee who created the payment arrangement, XXXX. I called the number she provided 17 TIMES between XXXX XXXX and XXXX XXXX. The phone reps REFUSED TO TRANSFER ME. I asked for supervisors who also REFUSED TO TRANSFER ME. I asked to call centers in the XXXX hoping I could get transferred and was still refused. Every rep wanted my account number or social. I provided it and then was told so many different answers that I had to write them down. The first few reps told me that I was NOT ON A PAYMENT ARRANGEMENT AND THAT I NEEDED TO MAKE 3 PAYMENTS. I explained that I spoke with someone and had a payment arrangement. I was interrupted, or yelled at, or hung up on, or talked over so many times that after 17 tries to get to the person who put me on the supposed payment arrangement that I GAVE UP.
This is how Ally works? I have no proof that the person put me on a payment arrangement and no way to speak to her directly because the call center employees REFUSE to transfer me. They also want to put me on their version of a payment arrangement, even though I am supposedly on one. They yell over me, argue with me, and flat out refuse to get someone to transfer me. I have asked to speak to a XXXX based call center hoping I can be transferred. I am at call 18 and am tired to arguing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-11-26
Shalimar, FL
Managing an account
Checking or savings account: Checking account
Funds not handled or disbursed as instructed
Complaint: In XX/XX/XXXX 2017, I attempted to establish a Primary Beneficiary and Contingent Beneficiaries with Ally bank. Ally Bank said that I can not do this because they are a small bank. I wrote the XXXX XXXX XXXX and they said on XX/XX/XXXX they would not allow me to properly establish my beneficiaries. Ally Bank said they have closed my valid complaint case without any action.
For example, if I have an individual Saving Account and want my wife to be given the funds if I XXXX, while if my wife and I both XXXX at the same time, I would like the funds to go to my contingency beneficiaries, my XXXX sons, Ally Bank will not honor my request.
If I had an individual account and I XXXX, the funds must be split XXXX ways, XXXX XXXX going to my wife and XXXX XXXX to each son.
Ally Bank is required exhibit fiduciary responsibility. and they refuse to distribute my funds in accordance with my wishes in the event that I XXXX XXXX.
Ally Bank needs to change and allow ALL Ally Bank Customers to properly set up beneficiaries.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-11-26
Dayton, 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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-11-25
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 have not authorized these companies to pull my credit. I have asked XXXX, XXXX & XXXX to remove these inquires. They have not done so at this point
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-11-25
Chicago, IL
Managing an account
Checking or savings account: Other banking product or service
Problem accessing account
Complaint: Ally Bank recently has changed required operating system for mobile devices to the XXXX XXXX or higher.
I bought few months ago my " mobile device '' aka smartphone with XXXX XXXX. The device was fully compatible with Ally mobile app back then, but now since it is impossible to update my phone ( most android phones are un-upgradable by design ) I ca n't use their mobile app. Ally Bank is an internet bank so mobile app is virtually essential for banking with the Bank.
The Bank claims security as reason for the change but it means that clients, like me, can be arbitrary forced to buy new smartphones every few months. My smartphone works fine, was working fine with the old Ally Bank app and I suspect it can work fine with the new app too.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-11-25
Primm Springs, TN
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report
Report provided to employer without your written authorization
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-11-24
Edgewood, CA
Managing an account
Checking or savings account: Checking account
Problem accessing account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-11-24
The Villages, FL
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
2017-11-24
Managing the loan or lease
Vehicle loan or lease: Loan
Problem with the interest rate
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation