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 96
2017-11-06
MA
Problems at the end of the loan or lease
Vehicle loan or lease: Lease
Problem when attempting to purchase vehicle at the end of the lease
Complaint: For over a month I 've dealt with epic levels of incompetence at XXXX powered by Ally in taking advantage of the reduce buy out price for my leased vehicle. I 've had multiple chances to refinance with other banks but did not pursue them because of the promotion and the advertised ease of completing the process. It 's ridiculous that they only have 1 loan consultant, XXXX XXXX, XXXX Consultant, Clearlane, powered by ally. O : XXXX | F : XXXX XXXXXXXXXXXX XXXX XXXX It 's also a joke that it took 3 weeks to get him on the phone and every time I spoke to someone there, I was asked the same questions and I 've given the same response. I live in XXXX. I lived in XXXX when I leased the vehicle from XXXX XXXX. My mother drives the car. I moved to XXXX, the car and my mother remain in XXXX. That has been communicated every single time I spoke to anyone there. Now out of the blue, they say that my mother has to be on the loan application since I 'm not a XXXX resident anymore.
They have cost me precious time and have not caused me immense stress, anxiety and angst. The lease is up in 1 month. If I am unable to work through the process before the lease is up XXXX I work 3 jobs and have a toddle and a baby so my time is extremely valuable ) I will SUE Clearlane/Ally to the gills.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-11-06
Cadwell, GA
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Complaint: I have a car loan with Ally financial. On XXXX XXXX, XXXX I started Receiving calls that but I was have to do 17 days. When I looked at my accounts I have made a payment every month on the same day at the same time. The first time I spoke to them they said that I had missed the XXXX payment and I did not the second time I talk to them they said I was behind on the XXXX payment which I did not. Final time that I talk to them they are saying that I did not make my original car payment or I did not make my payment a payment in XXXX of XXXX. The bank then does not know what payment Ive missed I feel as if they are deceptive practices to brew to put bad marks on my credit and to get extra money out of me. I also believe that my interest rate is not what I agreed to that is in my paperwork when I had signed at the dealership. Feel as if they have made an error and they are trying to make me pay for it with their deceptive practices. I believe they are in taking in the practices of credit report fraud with the statements that theyre telling me that I miss my original payment in XXXX and then the statement that they mean about me missing a payment in XXXX and just now notifying me XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-11-06
Oxford, GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: Ally Financial reported that I had a history of payments 31-60 days. This was an auto loan I took out for my ex-husband XXXX. I always made timely payments. During our separation/divorce period he took over payments and should have the title and paid it off. If my credit is showing late payments due to XXXX XXXX XXXX, I need to know about this and see if I can do anything about it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-11-06
GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: In or around XXXX my Identity was stolen and used to open several auto loans and credit cards without my consent. I would like to have this removed from my credit as soon as possible because I should not be punished for being a victim.
Company Response: Closed with explanation
2017-11-05
Tempe, AZ
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
2017-11-05
Bay Head, NJ
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: Ally has now decided to manipulate my credit report, the proof I will attach clearly demonstrates abuse and they should be fined for this. Companies should not be able to manipulate you in this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-11-04
Everett, WA
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
2017-11-04
NC
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: The company has multiple inquiries on my report with XXXX, and one inquiry on my reports with XXXX and XXXX XXXX. I have written to the company in the past regarding the inquiries, requesting documentation to support permissible purpose, but have not received anything other than an acknowledgment that they did access my credit files. Lacking any evidence supporting permissible purpose, specifically in writing, as is required by Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] a ( 2 ), I would ask that the company remove these inquiries from all three of my credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-11-04
Hamburg, NY
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: While inquiring about trading in my vehicle to purchase a new/used vehicle, I went to several car dealerships ( ex. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ) and each dealership that I went to I explained to the sales person as well as to the finance manager that I did not want my credit ran multiple times nor to multiple banks as this would lower as well as have a bad impact on my credit score. I also explained to them how reluctant I was with signing the application because of those reasons as well and ever time they stated " oh the banks will notice that you are car shopping and if there are applications to the same bank they will only count as one if it 's within a 30 day period '' I am just now finding out that they all have provided me with inaccurate information and that if it 's more than 1 of the same inquiry to the same bank or company within 30-45 days only 1 inquiry should be showing up not 1 for every inquiry. I have notified the dealerships and the banks asking them to remove these inquiries from my credit report, however they continue to pass the buck. The credit bureaus ( XXXX and XXXX ) says they ca n't remove inquiries and to call the dealerships and dealerships say they ca n't remove inquiries and to call the banks, the banks says they are n't the one 's who requested the inquiries call the dealerships. XXXX stated that they ca n't see that far back to pull the application from XX/XX/XXXX. Ally ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), XXXX also known as XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) and XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). I was just recently informed that XXXX XXXX ran my credit to 10 banks which is unacceptable when I specifically asked them not to. As a individual that work hard for their money and try to have things where its feesable for my pockets, I get very upset and find it disturbing that car dealerships will lie to customers in order to benefit and get over just to make a sale. As a customer these are people that we put trust into and they have let us down. It is extremly difficult to get a new vehicle, buy a house etc. with all of those inquiries.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-11-03
Key Biscayne, FL
Closing an account
Checking or savings account: Savings account
Can't close your account
Complaint: My name is XXXX XXXX and I 'm a victim of Identity theft, Ive attached my FTC identity theft report. I believe that my accounts have been used fraudulently in the past and currently. Can you please check to see if any personal or business accounts are open under my social security number or have been open in the past. if so, can you please close the account and send every single statement to my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-11-03
Stewart, 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: Ally Finance XXXX XXXX XXXX, XXXX Ally Finance XXXX XXXX XXXX/XXXX/XXXX XXXX Ally Finance XXXX XXXX XXXX, XXXX The majority of these are doubled, back to back dates and inquiries that I have no idea about, if you go through my hard inquiries youll see that they arent even something that I dont even understand. But, the list above is just a few inquiries that shouldnt be on there that have been posted multiple times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-11-03
Mableton, 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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-11-03
Stilesville, IN
Struggling to pay your loan
Vehicle loan or lease: Loan
Denied request to lower payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-11-03
Mason, OH
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
2017-11-03
Florence, KY
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: XXXX XXXX, XXXX Dear FTC, Many months ago my lease with Ally Financial was coming to an end. I had never been late or missed a payment. And when they sent me my ending the lease package I examined it and read it carefully. They had a little circular piece of cardboard showing the size of damage for which they would not charge. I was supposed to hold this cardboard over the ding and if I could not see it there would be no damage charge.
When I turned my car in to the dealership and leased my new car there was only one small ding which was of concern. I held the circular piece of cardboard over the ding and did not see it, thus there would be no charge.
When my final bill came it had some personal property tax, and two different areas of damage. The one was described above which fell into the companies own consideration of what would not be charged for and the other damage was something I was not aware of as it was not there when my car was inspected at the dealer, it must have happened during delivery or at the auction, which happens all the time.
When I called Ally they insisted it was all legitimate and I owed the money. I accessed pictures they took which showed the small ding I described above. The other damage was something that was not on the car when I dropped it off at the dealer and in the picture you can hardly see anything. Neither picture was clear enough to see anything substantial. I challenged the damage and they called me back stating I owed it. Then I started to receive phone call after phone call. Every day and night and weekends. I received one call at XXXX on a Saturday morning and one at XXXX on a Sunday night. Both legal but definitely harassment although legal. I explained my position and the company continued to harass me.
I then sent a check for the personal property tax owed noting in the memo section PAID IN FULL FOR ACCOUNT NUMBER # # # # # # # and they cashed it. This is a written contract and they accepted it by cashing the check. Still after, they continued to call and harass me and now this week they sent this to a collection agency.
This account has been PAID IN FULL proven by their acceptance of my check which stated the same, and also there was no damage I was supposed to pay per their own policies and procedures.
Now they are threatening to ruin mine and my wifes credit. I intend to proceed with a law suit to get this remedied if this complaint does not handle everything.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC. XXXX XXXX XXXX XXXX PS. For XXXX XXXXXXXX XXXX I challenge the validity of this debt per the FDCPA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2017-11-02
Brentwood, 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: I submitted my information to XXXX to obtain pre-approval for a car. I did the same thing with XXXX XXXX and they did not pull my credit and submit inquiries as if I was actually buying the car. I have two hard inquiries on my credit from Ally, I was unaware of this and would like it removed as I did not authorize this inquiry. The dates are XX/XX/XXXX and XX/XX/XXXX. I am not sure why they did it twice anyway.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-11-02
Bedford, TX
Problem with a credit reporting company's investigation into an existing problem
Vehicle loan or lease: Lease
Their investigation did not fix an error on your report
Complaint: In XXXX, I Co-Sign for my Son so he could qualify to Lease a XXXX Truck ... .when the Lease Term was up he decided to purchase the Truck ... .he did n't require my help anymore so I did n't have to Co-Sign for him anymore ... .I was delighted. When he started having problems with the payments I started getting phone calls from Ally. I explained to them that I was no longer a Co-signer ... they told me that I was mistaken ... .I asked for a copy of the Sales Contract. I was given a Copy years later ... I filed dispute with the three Credit Bureaus and send them a copy of my Drivers License to prove that they were dead wrong. Finally they asked to file a Police Report which I did and is hereby going to be attached. I asked if that be enough to have Ally removed from the three reporting agencies ... they said " YES ''. Well ... here we are and the Reports have not being changed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-11-02
Lafayette Hl, PA
Managing the loan or lease
Vehicle loan or lease: Lease
Problem with fees charged
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-11-02
Allenwood, NJ
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: Ally closed account, reversed debt from {$400.00} to {$0.00} on XXXX/XXXX/XXXX, and removed all late marks on XXXXAll is fine with XXXX. Negative remarks need to be removed on XXXX and XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-11-02
Weston, CT
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
2017-11-02
Wash, PA
Managing the loan or lease
Vehicle loan or lease: Loan
Billing problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-11-02
Lewisville, TX
Managing an account
Checking or savings account: Checking account
Problem making or receiving payments
Complaint: I have an Ally bank checking account for years. For years I am been using the popmoney feature to send money to another Ally bank account holder without any issue. All of a sudden I was told by Ally bank that I can not do popmoney transfer unless i contact them. As i am busy - i tried to contact them via chat but i was told that i need to call them.
I was not told why the hold is in place?
I choose to send money by check to the sender.
In the meanwhile - i got an email after few days that my popmoney will happen - what???
This is what i sent to them in secured message center message : Guys, Please be serious as you are dealing with real human beings ( customers ) and it 's all about money ( $ $ $ ). I was told that my popmoney transfers are on hold so i made the payment via check. Now after the check is done - i am simply getting an email that the popmoney transactions will be done. Now if you do the popmoney transfer - my account will be negative and it 's a lot of inconvenience. Moreover i can not send an attachment when i am sending secure email. Your customer service folks on chat are totally clue less. I am going to report to CFPB if at all I am getting any more issues. I want all the popmoney future transfer to be stopped and let the check gets cleared and then chatted with their customer service
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2017-11-02
Effingham, KS
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
2017-11-01
Columbus, OH
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information is missing that should be on the report
Complaint: About 45 days ago my auto company removed my loan from my credit report causing me to lose 4years of good payment history and causing my credit score to drop I have made approximately 10 different phone calls talking to upwards of 20 different people always being told the same thing we will get this updated and reported as of XXXX/XXXX/XXXX its still not corrected on my XXXX report the one they removed it from, I have asked repeatedly under the fair credit reporting act they fix this but I get nowhere everyone says I will call you back after I look into it but no one ever does I am to the point I have started looking for an attorney to help me. I applied for a Home loan because my scores where fine but when they pulled it and this wasnt on my report it dropped my scores enough I was denied the loan I am just tired of dealing this and want this matter fixed now
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-11-01
Cheverly, MD
Opening an account
Checking or savings account: Other banking product or service
Unable to open an account
Complaint: I have been denied the right to open an account with XXXX XXXX an investment service owned and operated by Ally Bank. The reason given is because the suffix " XXXX '' does not appear on my social security card. I have produced my bank statement, my driver 's license, my birth certificate and passport all of which contain the suffix " XXXX ''. I was asked to produce my social security card which does not contain the suffix " XXXX '' and was denied the right to complete the account opening process. The process applied against this applicant is arbitrary and capricious as well and a pretext for racial discrimination.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief