ALLY FINANCIAL INC.


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"Products" offered by ALLY FINANCIAL INC. with at least one, but usually more complaints:

Bank account or service - (CD) Certificate of deposit
Bank account or service - Cashing a check without an account
Bank account or service - Checking account
Bank account or service - Other bank product/service
Bank account or service - Savings account
Checking or savings account - CD (Certificate of Deposit)
Checking or savings account - Checking account
Checking or savings account - Other banking product or service
Checking or savings account - Savings account
Consumer Loan - Installment loan
Consumer Loan - Personal line of credit
Consumer Loan - Title loan
Consumer Loan - Vehicle lease
Consumer Loan - Vehicle loan
Credit card -
Credit card - General-purpose credit card or charge card
Credit card - Store credit card
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose prepaid card
Credit card or prepaid card - Government benefit card
Credit card or prepaid card - Store credit card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting or other personal consumer reports - Other personal consumer report
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto
Debt collection - Auto debt
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - I do not know
Debt collection - Medical
Debt collection - Medical debt
Debt collection - Mortgage debt
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan debt
Debt collection - Rental debt
Debt or credit management - Credit repair services
Debt or credit management - Debt settlement
Money transfer, virtual currency, or money service - Check cashing service
Money transfer, virtual currency, or money service - Debt settlement
Money transfer, virtual currency, or money service - Domestic (US) money transfer
Money transfer, virtual currency, or money service - Foreign currency exchange
Money transfer, virtual currency, or money service - International money transfer
Money transfer, virtual currency, or money service - Mobile or digital wallet
Money transfer, virtual currency, or money service - Money order
Money transfer, virtual currency, or money service - Money order, traveler's check or cashier's
Money transfer, virtual currency, or money service - Refund anticipation check
Money transfer, virtual currency, or money service - Traveler's check or cashier's check
Money transfer, virtual currency, or money service - Virtual currency
Money transfers - Domestic (US) money transfer
Money transfers - International money transfer
Mortgage - Conventional adjustable mortgage (ARM)
Mortgage - Conventional fixed mortgage
Mortgage - Conventional home mortgage
Mortgage - FHA mortgage
Mortgage - Home equity loan or line of credit
Mortgage - Home equity loan or line of credit (HELOC)
Mortgage - Manufactured home loan
Mortgage - Other mortgage
Mortgage - Other type of mortgage
Mortgage - Reverse mortgage
Other financial service - Check cashing
Other financial service - Debt settlement
Other financial service - Traveler’s/Cashier’s checks
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Payday loan
Payday loan, title loan, or personal loan - Personal line of credit
Payday loan, title loan, or personal loan - Title loan
Payday loan, title loan, personal loan, or advance loan - Installment loan
Payday loan, title loan, personal loan, or advance loan - Personal line of credit
Student loan - Federal student loan servicing
Student loan - Non-federal student loan
Vehicle loan or lease - Lease
Vehicle loan or lease - Loan
Vehicle loan or lease - Title loan

Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.
Complaint ID: 6711408

Date Received: 2023-03-17

Issue: Managing an account

Subissue: Banking errors

Consumer Complaint: My card was hacked and someone made a XXXX XXXX account in my name and attached to he card to the fake XXXX XXXX account and withdrew {$2500.00}. Because of this situation I can not afford to pay my rent last month and have been issued an eviction notice I believe my right a for my money to be protected by insurance up the amount of {$250000.00}. I was told that because I had other XXXX XXXX transactions I had to dispute the transaction with XXXX XXXX But this was not a transaction I made. Someone used my name to create a different account and attached my card to that account and took {$2500.00}. My bank hasnt investigated this thoroughly and has not given me a provisional credit within 10 business days.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: AZ

Zip: 85202

Submitted Via: Web

Date Sent: 2023-03-17

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6711346

Date Received: 2023-03-17

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: In short, Ally Bank has placed a false report on my credit for a ticket ( or toll ) that they can not provide or prove was my ticket. Ally Bank posted on my credit a XXXX dollar debt that is not owed. It is not owed because Ally Bank has never provided a source document justifying the debt. The disputed debt is for a ticket or toll received in XXXX or XXXX. Initially, I disputed the debt because I paid the only ticket I was aware of, and provided proof of payment. Problem is, Ally bank can not provide the source document supporting the debt. The only thing Ally Bank can provide is a summary letter with no back up support. I initially filled a XXXX complaint, disputing on two grounds, first, that it was a debt not owed because I paid the only ticket received. Second, that they have never provided the source document for the disputed debt. In dealing with XXXX, XXXX XXXX XXXX, it was disclosed to me that Ally Bank does not have the source document to support the debt. By my understanding of credit laws, the creditor must provide the source document to justify the debt. Ally Bank has never done that. Instead, they confirmed they do not have it. I stated they if they did not have the source document, then the debt is invalid and must be removed from my credit report. XXXX said Ally Bank would not do that. This dispute goes back to XXXX. I did not pay it then for the same reason, that Ally have never given me proof of the disputed debt. I have repeatedly requested the source document, which they first refused to provide, then finally admitted they did not have. This appeared on my credit in XXXX, even though the lease was paid, in full, and ended in XXXX of XXXX. Ally bank waited 7 years to close an account, which I also believe is incorrect. The lease ended in XXXX. Attached is the summary letter Ally Bank states justifies the credit report ding.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: MD

Zip: 21075

Submitted Via: Web

Date Sent: 2023-03-17

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6711073

Date Received: 2023-03-17

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, from XXXX XXXX XXXXXXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: CA

Zip: 90044

Submitted Via: Web

Date Sent: 2023-03-17

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6710916

Date Received: 2023-03-17

Issue: Managing an account

Subissue: Banking errors

Consumer Complaint: On XX/XX/XXXX I enrolled in the bonus program through Ally Bank. The program was if we deposit fresh {$50000.00} we get {$500.00} bonus or 1 %. I received an email that I was enrolled and that by XX/XX/XXXX I will receive the {$500.00} bonus. These are the dates and times I spoke by phone to agents at Ally Bank. One agent on XX/XX/XXXX, at XXXX and XX/XX/XXXX at XXXX confirmed that I was enrolled and qualified for the {$500.00} bonus and that I will receive it on XX/XX/XXXX. I never received the {$500.00} on XX/XX/XXXX, and as of today I never received it. I called again on XX/XX/XXXX at XXXX and spoke for almost an hour to an agent by the name of XXXX XXXX and she said that she is opening a case regarding it, and it will take 7 to 10 business days to receive the {$500.00}. Again, I never received the {$500.00}. I called again on XX/XX/XXXX, at XXXX, and again the following times : XX/XX/XXXX at XXXX, and on XX/XX/XXXX I called twice at XXXX, and again at XXXX. All those times the agents told me that they could see that there is a case open and that it has been escalated. The case number is : XXXX. In addition, I emailed them regarding the {$500.00} bonus on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The only response that I received was that I have a case # XXXX, and that it needs further review. As of today, I have not filed yet a complaint with the State of New York. I am aware that this is same issue as not getting the interest I was promised. I am asking you to help me resolve it. I greatly appreciate it.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: NY

Zip: 14618

Submitted Via: Web

Date Sent: 2023-03-17

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6710266

Date Received: 2023-03-17

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: CA

Zip: 90044

Submitted Via: Web

Date Sent: 2023-03-17

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6710188

Date Received: 2023-03-17

Issue: Getting a loan or lease

Subissue: Changes in terms mid-deal or after closing

Consumer Complaint: I am writing in regards to [ a late payment ] on my credit report from [ XX/XX/2022 ] for my [ ALLY ] account. I understand how important it is to make timely payments, and that failure to do so creates an inconvenience for you. However, I missed my payment because [ A PAYOFF CHECK FROM XXXX XXXX WAS RECEIVED BY YOUR OFFICE IN ATTEMPT TO PAY OFF THIS LOAN During the time this payment in question was due, I was Not notified that the check would not be deposited due to the wrong pay off amount. Consequently this led me to believe that it had been deposited and that I { did not } have to make a regular payment. This was the very first payment of the loan. A magnitude of misunderstanding in play, i was not able to determine if you { ALLY } Or if XXXX XXXX was Responsible for my loan ]. I am confident that this wont happen again and I have taken steps to ensure my financial responsibility moving forward. As a courtesy, I am requesting that [ ALLY ] make a goodwill adjustment and remove the late payment on [ XX/XX/2022 ] from my record. The Dealership Headquarters of XXXX XXXX XXXX Georgia Lost the first. payoff check given From XXXX XXXXl .Ally Finance received a 2nd payoff check from XXXX XXXX XXXX The never deposited either check. I was forced into accepting the financing the dealership placed me with when they knew i had been approved with XXXX XXXX...

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: FL

Zip: 326XX

Submitted Via: Web

Date Sent: 2023-04-13

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6709877

Date Received: 2023-03-17

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: XXXX XX/XX/XXXX ALLY FINANCIAL Attn : CFO XXXX XXXX XXXX XXXX, MN XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with ALLY FINANCIAL. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with ALLY FINANCIAL for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Best regards, XXXX XXXX

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: IL

Zip: 60620

Submitted Via: Web

Date Sent: 2023-03-17

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6709360

Date Received: 2023-03-18

Issue: Opening an account

Subissue: Didn't receive terms that were advertised

Consumer Complaint: I STILL do not have the bonus that was supposed to be added to my account on XX/XX/2023. It has been over a month! Case number is XXXX. Punitive damages should be TRIPLED now for all the time it is taking me to get ally bank to do their job!

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: NV

Zip: 894XX

Submitted Via: Web

Date Sent: 2023-03-18

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6709118

Date Received: 2023-03-18

Issue: Managing an account

Subissue: Problem accessing account

Consumer Complaint: I am a depositor with Ally.com internet banking since 2010. For the past 3 weeks, I have been unable to login to account.. attempts to secure access via customer support services have not fixed the problem : Attempts to access account renders an error message : access unavailable. Discussions with their tech support assured me access.. I was able to login only once after real time intervention on their part. Their narrative is " bogus '' as it tries to assert it's my desktop PC... I only use a desktop PC... but I can access other commercial site routinely.. why not theirs? Been able to for past XXXX years ... all of a sudden Ally system blocks log ins to account but allows me to login to their site which allows me to send secure emails seeking support. My conclusion is that their existing system software upgrades have altered access.. attempts to access my account data, transfer funds etc are blocked. Ally is failing their fiduciary obligation to allow depositors access to funds. Their summary denials of their system failures is quite frustrating ... violates our economic system that is based upon " consumer sovereignty. ''

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: MD

Zip: 215XX

Submitted Via: Web

Date Sent: 2023-04-14

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6709115

Date Received: 2023-03-18

Issue: Incorrect information on your report

Subissue: Account status incorrect

Consumer Complaint: I leased an XXXX XXXX XXXX through Ally Auto that was due back in XX/XX/XXXX. Prior to having to return the car, a tree fell and damaged the vehicle. I worked with my insurance company to repair the vehicle. In the meantime, while I waited for the repairs to be completed and for XXXX XXXX to ship a back ordered part to the mechanic, I extended my lease from XXXX to XXXX, then XXXX, and then until XX/XX/XXXX, until I returned the vehicle on XX/XX/XXXX. There was confusion on behalf of Ally regarding my extension from XXXX until XXXX, but after speaking with XXXX XXXX XXXX, she confirmed that I would have an extension from XXXX XXXX XXXX like I originally requested and I would pay the {$530.00} for the monthly lease. I received the documents and immediately signed and turned them over in 11 minutes on XX/XX/XXXX. A bill was then sent to me dated XX/XX/XXXX. Subsequently, I was informed that Ally submitted information to the Credit Bureau that I was 60 days late on paying the bill and also charged her a late fee in addition to the monthly lease amount for XXXX XXXX XXXX Ive tried to reach Ally multiple times, Ive sent them letters and Ive called only to be disconnected. No one is providing any sort of assistance. I was never late making any payments. The information reported on my credit is false. Ive not received any assistance from them to properly finalize the end of my lease. Ive had the worst service with them and would never use them for any financial services again.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: SC

Zip: 29730

Submitted Via: Web

Date Sent: 2023-03-18

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.