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

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Complaint ID: 4648005

Date Received: 2021-08-20

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

Subissue: Their investigation did not fix an error on your report

Consumer Complaint: I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

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

State: CA

Zip: 94534

Submitted Via: Web

Date Sent: 2021-08-20

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4647436

Date Received: 2021-08-19

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

Subissue: Investigation took more than 30 days

Consumer Complaint: I reached out to Ally Bank Auto Loan Dept in XX/XX/2021 letting them know of financial issues we were experiencing due to the pandemic. I notified them that we were late on payment due to that and we were still in need of assistance. They were able to complete a loan payment extension for other months, but still reported my account 30 days past due for XX/XX/2021. This has impacted my family to extent that is unimaginable. We cant get refinanced on our home ( cant afford payments after pandemic employment changes and pay changes ) due to this late payment reporting. I reached out several times and all customer rep with exception of one was able to reach to management. All other stated I would get a call back. No call backs. I tried to reach Ally Bank to file a complaint nobody could help me. We have never been late on our payments, and they would not complete a good faith exception due to pandemic for negative credit reporting. These companies need to take that into consideration, all facts on the account and current situations.

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

State: FL

Zip: 347XX

Submitted Via: Web

Date Sent: 2021-08-19

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4645716

Date Received: 2021-08-19

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: TO XXXX XXXX THE XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, I AM HOLDING YOU RESPONSIBLE FOR DAMAGES IN WHICH YOU HAVE CAUSE AND FOR VIOLATING MY RIGHTS FOR NOT REMOVING THESE FALSE INAACURATE INQURIES THAT HAVE BEEN PLACED ON MY CONSUMER CREDIT FILE BY YOUR COMPANY ... .15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ... ..I NEVER DID NO BUISNESS WITH YOUR COMPANY ... 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; REMEMBER MR.XXXX I GAVE YOU AN OPPURTUNITY TO REMOVE THIS FALSE INQUIRY AND YOU DECLINED ...

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

State: FL

Zip: 33023

Submitted Via: Web

Date Sent: 2021-08-19

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4643343

Date Received: 2021-08-19

Issue: Getting a loan or lease

Subissue: Fraudulent loan

Consumer Complaint: XXXX : Ally Financial Inc Account Number : XXXX I confirm that I have received correspondence via the Consumer Financial Protection Bureau by Ally Financial Inc. dated XX/XX/XXXX wherein you refer to the above captioned matter. The original contract that Ally Financial Inc. has produced shows agreement between XXXX XXXX XXXX and the Consumer. This misleading contractual agreement that has been presented to the consumer without full disclosure is in violation of 15 U.S. Code 1692e ( 7 ) this is a disservice and disgrace towards the consumer .and his/her informed use or consumer credit. ( See Exhibit b ) The statement Ally Financial Inc. has provided states that this contract was later assigned to Ally Financial Inc . This was done willfully without full disclosure to the consumer and original creditor. This is a demonstration that the contract agreement in which you have provided, is in violation of 15 U.S. Code 1692e ( 6 ) ( b ). This misleading transfer of security interest is an unfair debt collection practice towards the consumer and the nonconsensual distribution of personal consumer information from XXXX XXXX XXXX to Ally Financial Inc. is prohibited under 15 U.S. Code 1692e ( 10 ). Who authorized this transaction? I did not consent for my personal information or my credit card information ( SSN ) to be used, sold or transferred to Ally Financial Inc. during this consumer credit transaction between XXXX XXXX XXXX and myself. The transfer, and conspiracy to use of my credit card information is protected by 15 U.S Code 1644 ( a ) ( b ) ( c ) ( d ). This misuse of my nonpublic consumer information violates 15 U.S. Code 6801 ( b ) ( 3 ). Non-disclosure and unauthorized use of consumer nonpublic credit card information is prohibited. The term unauthorized use is defined under 15 U.S. Code 1602 ( p ). There is no Authority without consumer consent. This conspiracy of willful deception is Identity theft and fraudulent, a disgrace to informed consumer credit and each violation is fineable. The contract in which Ally has produced shows finance charges of {$5100.00}. According to 15 U.S. Code 1605 ( a ) the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents XXXX including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. The finance charge is the sum all charges. I have extended my credit I shall be financed for thus extension of consumer credit. I demand All Payments bbe refunded to the consumer under 15 U.S. Code 1692h. The correspondence Ally has provided in accordance with the repossession on XX/XX/XXXX, proves the unlawful threat and seizure of consumer personal property. Late charges were reported to the consumer reporting bureaus without the consumers consent and without a federal court order, federal grand jury or subpoena in violation XXXX XXXX XXXX XXXX XXXX b ) ( ii ). This has caused a detriment to the consumer, his consumer report and use of credit extension, the loss of personal property and personal finances in redemption on that property. This is unlawful harassment and prohibited under 15 U.S. Code 1692e ( 4 ). XXXX XXXX

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

State: NV

Zip: 89103

Submitted Via: Web

Date Sent: 2021-08-19

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4643310

Date Received: 2021-08-18

Issue: Trouble during payment process

Subissue:

Consumer Complaint: On or about XX/XX/XXXX, we obtained a HELOC with GMAC. On or about XX/XX/XXXX we called XXXX because GMAC sold to them the XXXX and were told we had no loans outstanding with them XXXX. We requested it in writing and was told Not to worry the loan is written off. and it's not there any more. It was written off. Since that time period Of XXXX we have not received any statements or communication of any kind from GMAC or any other entity regarding the GMAC and or HELOC. XXXX https : XXXX In a letter dated XX/XX/XXXX, from Ally bank notification regarding insurance coverage, we went online and discovered the HELOC is with Ally Bank XXXX From XX/XX/XXXX to current, we have yet to receive any monthly statements from Ally Bank or any kind of servicing transfer notice as required under RESPA 1024.33. Our first ( 1st ) mortgage is with XXXX XXXX XXXX and is escrowed for property taxes and insurance. We inquired with XXXX XXXX XXXX to refinance and payoff the heloc. It appears we were approved but XXXX XXXXXXXX XXXX did not want to payoff Ally Bank as they considered the {$60000.00} as erroneous charges. Please note on the payoff statement, next payment date is XX/XX/XXXX. Then the wiring instructions direct the wire funds to be submitted to XXXX XXXX XXXX XXXX, XXXX, NJ with ABA numbers. We would like to resolve this issue as this loan is almost 9 years old with no communication, no monthly statements, servicing transfers or notices until XX/XX/XXXX.

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

State: HI

Zip: 96707

Submitted Via: Web

Date Sent: 2021-08-19

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4641228

Date Received: 2021-08-18

Issue: Communication tactics

Subissue: Frequent or repeated calls

Consumer Complaint: Ally Financial called on XX/XX/XXXX and XX/XX/XXXX Called me by my name, regarding a family member. This is not my debt and I do not appreciate the harassment. Calling back gets me no answer and I will have to wait for a call to have to request that I am not contacted, which never works. I AM NOT THE CONSUMER and it is alarming that they would expect me to offer information about ANY other consumer. Or that my information, including my name, would be hounded down.

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

State: FL

Zip: 32829

Submitted Via: Web

Date Sent: 2021-08-18

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4640984

Date Received: 2021-08-18

Issue: Incorrect information on your report

Subissue: Account status incorrect

Consumer Complaint: My ALLY Bank lease was terminated two months early to enter into a new Lease agreement. The Car Dealer Requested a payoff quote from ALLY Bank, this quote was supplied by ALLY Bank and was paid off by the dealer. A few months later I received a call from ALLY Bank that I owe {$110.00} dollars, which I refused to pay because the lease was terminated and ALLY Bank provided the Car Dealer with the Payoff amount. On principle I was never late within the 37 months of the lease. This erroneous info was sent to a collection agency. After six different dispute resolution attempts with the credit reporting agencies all failed, this item is on my credit report as a Charge Off and is negatively impacting my Credit Report at an in opportune time. I owe nothing to Ally Bank or any other entity with respect to this Auto Lease. I would like this negative item removed from my Credit History.

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

State: NY

Zip: 10801

Submitted Via: Web

Date Sent: 2021-08-18

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4640941

Date Received: 2021-08-18

Issue: Incorrect information on your report

Subissue: Account information incorrect

Consumer Complaint: ally financial show late on credit report never been late

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

State: IL

Zip: 604XX

Submitted Via: Web

Date Sent: 2021-08-18

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4638780

Date Received: 2021-08-18

Issue: Incorrect information on your report

Subissue: Account status incorrect

Consumer Complaint: I have a out dated account on my credit report and I have tried to get them to updated report like other 2 bureaus did both XXXX and XXXX both removed this items but XXXX continues to report this outdated information I need it removed ASAP

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

State: TX

Zip: 75241

Submitted Via: Web

Date Sent: 2021-08-18

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4638130

Date Received: 2021-08-17

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

Subissue: Investigation took more than 30 days

Consumer Complaint: I have a car loan with Ally financial and they have not been reporting to my credit report every 30 days I have called about this numerous times. I called Ally on XX/XX/XXXX and they stated over a recorded line that my payment statement had been sent to all 3 credit bureaus on XX/XX/XXXX and it would post in 3 to 4 business days. My car payment has not been posted to the credit reporting agencies since XX/XX/XXXX which cause inaccuracies on my credit report in which is a direct violation of the FCRA in which my car payments should be reported to all 3 credit bureaus every 30 days. Because of this it has cause a 30 day late. With XXXX 30 day late on XX/XX/XXXX, XX/XX/XXXX. XXXX 30 day late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX 30 day late XX/XX/XXXX, XX/XX/XXXX all of these dates are inaccurate and I request that these late entries be removed and my most recent payment billing statement be reported to all 3 credit bureaus.

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

State: GA

Zip: 30253

Submitted Via: Web

Date Sent: 2021-08-17

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.