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: 6535271

Date Received: 2023-02-07

Issue: Problem with a credit reporting company's investigation into an existing problem

Subissue: Investigation took more than 30 days

Consumer Complaint: I already have asked this company to stop reporting activity on this charge off and provide a copy of the 1099C cancellation of debt form that they filed with the IRS, I have asked OlloXXXX to stop reporting it, cause according to IRS the 1099c becomes gross income not debt. That's reporting inaccurate and unfair, but they seem to not care about any compliance of the FCRA law. these are the violations they have incur. 15 U.S. Code 1681 ( a ) ( 4 ) Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. According to 15 U.S. Code 6801 ( a ) ( b ) Protection of nonpublic personal information 15 U.S. Code 6802 ( b ) ( 1 ) ( A ) ( B ) ( C ) Obligations with respect to disclosures of personal information

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

State: CA

Zip: 90032

Submitted Via: Web

Date Sent: 2023-02-07

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6534909

Date Received: 2023-02-07

Issue: Improper use of your report

Subissue: Credit inquiries on your report that you don't recognize

Consumer Complaint: I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by ALLY FINANCIAL on XX/XX/2022. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act, as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed by myself, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 15 U.S. Code 1681j, there should be no charge for this report.

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

State: TN

Zip: 38127

Submitted Via: Web

Date Sent: 2023-02-07

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6533898

Date Received: 2023-02-02

Issue: Managing the loan or lease

Subissue: Billing problem

Consumer Complaint: The auto dealer had settled the loan in full, but Ally Financial Bank incorrectly processed the amount and is still claiming I owe money. Furthermore, they are inaccurately informing the Credit Bureaus that I am delinquent despite not being so. I have all the documents to support my case. I have attempted to contact Ally Financial numerous times in order to resolve this discrepancy, but I have been unable to get them to correct their systems. I even sent a formal letter via certified mail but they have still not responded.

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

State: CA

Zip: 90035

Submitted Via: Web

Date Sent: 2023-02-13

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6531442

Date Received: 2023-02-02

Issue: False statements or representation

Subissue: Attempted to collect wrong amount

Consumer Complaint: In XX/XX/2020- my car was deemed a 'total loss ' by my insurance company. I contacted Ally Financial regarding this and they let me know that my XXXX XXXX ( also provided by Ally ). My insurance company provided a settlement payment for the majority of the remaining loan, while the remaining was submitted to the XXXX XXXX XXXX. My XXXX claim was denied, not once but several times. I have spoken with my insurance company - as I was not provided a police report from this accident - to provide Ally XXXX the correct " Statement Of Loss '' letter. They ( my insurance ) informed me they had called, received calls, and emailed over forms and letters on multiple occasions. As I have been going back and forth with Ally, and Ally XXXX for the last XXXX to XXXX years, they have now sent this account to collections. Which I have been attempting to dispute. As I have all required documentation and have provided it on multiple occasions, via email and XXXX.

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

State: TX

Zip: 78254

Submitted Via: Web

Date Sent: 2023-02-02

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6531346

Date Received: 2023-02-02

Issue: Incorrect information on your report

Subissue: Personal information incorrect

Consumer Complaint: I disputed multiple accounts for false identifying information certified mail ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). I sent the correct information to the credit bureaus to remove the accounts with incorrect or fraudulent information ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). Instead of deleting the accounts from my credit file the companies updated information on the accounts which is a failure to investigate and fraud. I have submitted this complaint to the companies more than once and they still have not deleted the items. They are failing to investigate. This is a failure to investigate and a violation of the FCRA. I have sent this complaint to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX.

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

State: CA

Zip: 95928

Submitted Via: Web

Date Sent: 2023-02-02

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6531209

Date Received: 2023-02-02

Issue: Struggling to pay your loan

Subissue: Lender trying to repossess or disable the vehicle

Consumer Complaint: Ally bank took XXXX inflated payments out of my bank account in XXXX XXXX after telling me that a re-payment plan I was on had been cancelled. They continued collection activity during this time and ignored multiple requests I made to stop the automatic payments and to help me repair the condition of my account. In XX/XX/XXXX, a collections supervisor realized what had happened and promised to give me an extension. A few weeks passed and Instead of an extension, the automatic payments were finally cancelled and the car was repossessed. Further attempts to correct this with Ally have been unsuccessful thus far.

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

State: OH

Zip: XXXXX

Submitted Via: Web

Date Sent: 2023-02-02

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6530656

Date Received: 2023-02-02

Issue: Closing your account

Subissue: Company closed your account

Consumer Complaint: XXXX XXXX closed my credit card account with NO NOTICE. I paid the balance off XX/XX/XXXX and now I wanted to use it XX/XX/XXXX and they closed the account. When I called they said due to inactivity??? It hasnt even been a year? They also said they can't reinstate!!!! This made my credit score go WAY down!!!

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

State: IN

Zip: 463XX

Submitted Via: Web

Date Sent: 2023-02-02

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6530470

Date Received: 2023-02-03

Issue: Problems at the end of the loan or lease

Subissue: Problem with paying off the loan

Consumer Complaint: I have received multiple calls from the company to collect the ammount I owe. I currently lost my vehicle during hurricane XXXX due to a XXXX and the vehicle was declared Totaled by a local shop. My vehicle XXXX XXXX XXXX is trying to pay XXXX towards the debt in order to finalized my total loss claim. My Insurer needs the Lien holder Paperwork in order to pay them directly the amount that they are paying me for the totaled vehicle but it has been over 3 weeks already since they have been waiting for that paperwork. Whenever I have spoken to ally over the phone i've told multiple representatives the situation and have told them to transfer me to the total loss department, whenever they do that I am sent to a dead line. Its very frustrating because I am not avoiding them nor trying to skip paying this loan off to get it off my credit. Whenever they call back they repeat the same scripted conversation regarding me owing them the monthly payments and they don't keep any records of the conversations and my requests. I have also tried the secured messaging via their app and yet they just answer with a scripted message saying that due to the nature of my request I need to contact them to their XXXX number, this is the same number that I have attempted multiple times to finalize my Insurers claim. This situation has me depressed at this point since there's no local office for them and I am sure that they will instruct me to send mail to their hq or say that they can not help me. I am already unhappy from losing my method of transportation and my local vehicle.

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

State: FL

Zip: 33897

Submitted Via: Web

Date Sent: 2023-02-03

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6529053

Date Received: 2023-02-03

Issue: Struggling to pay your loan

Subissue:

Consumer Complaint: I got an auto loan with Ally Financial Bank, the vehicle in question with the loan is a lemon vehicle. I tried many times addressing that to them. The vehicle finally broke down where I could not afford the repairs. I called about 8 months ago from today XXXX They still have not repossessed the vehicle and continue to give me problems.

Company Response:

State: CA

Zip: 90640

Submitted Via: Web

Date Sent: 2023-02-03

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6529021

Date Received: 2023-02-03

Issue: Problems at the end of the loan or lease

Subissue: Unable to receive car title or other problem after the loan is paid off

Consumer Complaint: Hi, The company keeps calling and harassing me that i need to give back the car when in fact I mailed a check and they deposited the check and it also shows ' online that its paid in full. they call me every day and as many times i tried telling them that we paid in full they don't listen. i also need to get title ASAP

Company Response:

State: NY

Zip: 11205

Submitted Via: Web

Date Sent: 2023-02-03

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.