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: 7506401

Date Received: 2023-09-06

Issue: Managing an account

Subissue: Deposits and withdrawals

Consumer Complaint: on or afound XX/XX/XXXX, i linked my ally bank savings account to my daughters, in order to transfer money to her. there was no indication on the tranfer link page to indicate that this was a prohibited transaction, and the link was processed. that led to my accounts and even my access to those accounts at ally bank [ including investment accounts ] being frozen. the lack of a single sentence stating that links to accounts i did not personally own were prohibited, or a simple rejection of the link would have prevented this problem, so, to me, this was a problem of ally bank 's creation. many calls to " fraud prevention '' at ally ensued. it took a week to renew access to my own money. i still have no access to my investment accounts [ which have had absolutely no activity ] as of today, XXXX XXXX. one of the most frustrating aspects of this was the non=responsiveness of customer service [ bank, fraud prevention and investments ] to requests to speak to supervisors, managers or corporate officers. i was not allowed to speak to the person [ XXXX ... no last name ] " investigating '' the case, which could not have been simpler, and, as i said above, basically a problem of ally 's own creation. i was, and continue to be denied access to my own money for what is now over 2 weeks. i find it hard to believe that such a practice could be acceptable. if ally needs more employees in order to resolve these matters in a timely way, they must hire them. in this case they could have presented the problem by simply including the necessary information on the transfer page, or simply voiding the request

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

State: ME

Zip: 047XX

Submitted Via: Web

Date Sent: 2023-09-06

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7505093

Date Received: 2023-09-05

Issue: Closing an account

Subissue: Can't close your account

Consumer Complaint: On XX/XX/XXXX, I received a text on my cell phone claiming to be from Ally confirming a potential fraudulent charge on my account. I logged into the web banking, saw the pending charge, so responded " no '' the text. I immediately received a call from " Ally Bank '' and they asked my security questions and verified the charges that were on the account. After confirming the couple charges were fraudulent, the person on the other line said they would send out a new card. After a few days of not receiving the card, I got a call to verify a code on my phone. I got suspicious and hung up. I checked online and my mailing address had been changed and the new card had been sent to the incorrect address. I called into Ally, got everything straightened out, and got a new card sent again. It arrived on XX/XX/XXXX. I activated the card successfully and I tried to use it and it didn't work. Called back in and they said the account was locked again. At this point I was getting multiple calls from different numbers, not knowing who was legit. I finally just called in and requested the account to be closed. I was assured it would be done. It is now XX/XX/XXXX with no movement. I call in and no one will tell me anything. They will not give me a timeline of when the account will be closed and when I will be sent my money. They will not let me speak to any supervisors.

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

State: GA

Zip: 307XX

Submitted Via: Web

Date Sent: 2023-09-05

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7504169

Date Received: 2023-09-05

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: I haven't ran my credit through these companies but they are showing up on inquiries

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

State: TX

Zip: 75056

Submitted Via: Web

Date Sent: 2023-09-05

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7503563

Date Received: 2023-09-06

Issue: Improper use of your report

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

Consumer Complaint: My credit was not supposed to be ran.

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

State: NC

Zip: 28390

Submitted Via: Web

Date Sent: 2023-09-06

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7499940

Date Received: 2023-09-06

Issue: Communication tactics

Subissue: Called before 8am or after 9pm

Consumer Complaint: Ally / Ollo has texted and even called my number after XXXX. I have screenshots as proof of the call after XXXX as well as the text message after XXXX at XXXX on XX/XX/2023 and the call was on XX/XX/2023 at XXXX in violation of the Fair Debt Collection Practices Act.

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

State: MT

Zip: 59718

Submitted Via: Web

Date Sent: 2023-09-06

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7499425

Date Received: 2023-09-04

Issue: Managing an account

Subissue: Problem with fees or penalties

Consumer Complaint: I had a 5 year CD at Ally Bank that matured on XX/XX/XXXX. I did not want or agree to have this CD renewed. Ally Bank automatically renewed this CD for another 5 years through XXXX so they have locked up my money instead of transferring it to my savings account. Ally Bank wants to charge me a {$150.00} fee to get my money from the CD maturity transferred to my savings account.

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

State: PA

Zip: 19116

Submitted Via: Web

Date Sent: 2023-09-04

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7498328

Date Received: 2023-09-04

Issue: Improper use of your report

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

Consumer Complaint: I am writing to address a credit inquiry made by your organization on my credit report, which I did not authorize or give consent for. This inquiry was made on XX/XX/2021 and was in connection with my car purchase. I wish to clarify that I had a pre-approval from XXXX XXXX for financing the purchase of my vehicle, which was finalized on XX/XX/2021. The pre-approval from XXXX XXXX was a significant factor in my decision-making process when selecting a lender for my auto loan. I had no intention of applying for credit from any other financial institution. To my surprise, I received notification of a credit inquiry made by your company, which I did not initiate or provide consent for. This unauthorized credit inquiry has the potential to negatively impact my credit score, and I am concerned about its implications.

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

State: FL

Zip: 32818

Submitted Via: Web

Date Sent: 2023-09-04

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7497490

Date Received: 2023-09-05

Issue: Repossession

Subissue: Company communicating payment assistance or payment extension options

Consumer Complaint: I am writing to you to request assistance in resolving a matter I have unsuccessfully attempted to resolve directly with Ally call center representatives for many months now. This is regarding a legal verbal agreement entered into by your associate- XXXX- and my husband/account holder- XXXX. We have been attempting to make contact and communicate with XXXX ( I was given only a first name and told that was enough to identify her due to account notes ) since before XXXX, XXXX and have received no response from her. I have left more than 40 voicemails myself, at times leaving at least one a day pleading for a response. I never received one. The number I have consistently tried to reach her on is her direct line- XXXX. I have also reached out and left numerous messages on a general voicemail line for the Executive Customer Relations Department. This ongoing issue has now escalated to the extreme of our vehicle being repossessed, our legal right to speak to someone to discuss this matter especially since it is clear miscommunication somewhere along the line has taken place. We received a letter from XXXX in the Executive Customer Relations stating that somewhere a payment was missed and that the account was eligible for repossession sometime around XXXX I believe. I assume this letter was in response to the initial voicemails left for XXXX, asking for someone to call back and have an actual conversation since it was previously told to us that this was a verbal agreement and there could be nothing provided in writing regarding the terms or agreement. The letter from XXXX had a phone number which any questions could be answered by calling, well I called and left numerous voicemails there requesting a callback and received only one call back which I received a voicemail stating Ally did not have permission to speak to me, XXXX wife. He has documented giving permission to speak to me many times, once they went as far as making him give consent to speak with me THREE times in the SAME DAY. This should let you know there should be zero confusion if I am authorized on the account or not considering the number of times your associates have spoken to me with zero authorization from XXXX. I continued trying to reach out to Ally and XXXX, but Allys main line transferred us to the bankruptcy department which then forwards us to redemptions which ends up with an associate of your not allowing myself or my husband to properly explain the situation and request for the proper assistance. I have waited on hold for more than an hour at times asking to speak with a manager to either be hung up on ( if it were an accident, they had verified the best call back number previously and would have utilized it ), or transferred back to the front-line automated system. It became clear very early on that Ally did not have any interest in discussing this matter with us and trying to right their wrongs. I believe it was XXXX, when my husband was making an online payment and selected a wrong account. He was aware the payment would not clear and immediately corrected this by making the payment from the right account and contacting Ally. He did not assume everything to be in good standings until he called and spoke to an Ally representative who assured him that his latest payment was received and that the account continued to remain in good standing. I personally asked the agent to verify the accounts status because of the bankruptcy and payment agreement and again was assured all was well. I felt a bit better after our conversation with your representative but still wished to hear it from XXXX herself, the one who had seemingly been avoiding my calls for weeks on end. I slowed down the frequency but continued to call and leave voicemails expressing my concern and asking XXXX to please reach back out. Come XX/XX/XXXX and as I walk out the front door there is a tow truck from NU-ERA towing claiming to be here to repossess the vehicle we just made the XXXX payment on a few days prior. I again call Ally/XXXX- Executive of Customer Relations dept/ and XXXX who set up the initial agreement and leave voicemails requesting an urgent call back. As soon as the next business day came, I was back on the phones trying to contact someone who would be aware of the payment arrangement set up with XXXX since most representatives I tried talking to would not let me explain the situation before cutting me off and either transferring to a different dept or hanging up. Again, not an error, or my phone would have rung with a call back from the accidental disconnect. I spent more than 2.5 hours on the phone before being connected with XXXX in the redemptions department who told me he would send this to be investigated further, specifically the phone recordings of the conversations with Ally reps who insisted the account was in good standing which could not have been true since my car was repossessed. XXXX told me in 3-5 business days I personally would receive a call back to my cell phone number which we verified back and forth several times. By XX/XX/XXXX I had not received that follow up call from anyone and my husband called in and was told that XXXX closed the complaint as valid that same day at XXXX CT. Yet again Ally silenced us and never gave us a chance to speak to anyone regarding the specifics of the problems and dismissed this as done and closed. I called back and this time gave my own info and did not allow them to route the call to my husbands account immediately. Feeling the account is being handled with bias I gave the same flat attitude and same explanation of issues to Ally but this time did not provide my husbands name until I had someone willing to listen to what I had to say. I was connected with representative by the name of XXXX XXXX again claims no employee ID or last name, that acct notes will lead you to the right person ). XXXX said he was forwarding this to the Complaints Team Email marked urgent as this issue has quickly become more and more time sensitive. He gave me reference number to the email sent and todays conversation. That reference number is # XXXX and I was informed that it would take 3-5 business days. That would mean someone would contact me back by XX/XX/XXXX specifically after looking into and finding the recorded conversations that your representatives told myself and my husband that his account was in good standing. XX/XX/XXXX, I had not heard from anyone so I contacted Ally again, after more than an hour of hold and transfers I was told by your representative she did not know what I was talking about, could not find that reference number, does not know of a XXXX or see any notes documented from him, but if I was told Id get a call in 3-5 days and havent I should just continue to wait. She also explained she was not willing to release any documents regarding my account and should I want access to them I would need to have them subpoenaed by a judge. She then hung up. I tried again for days, leaving both XXXX and XXXX numerous additional voicemails which have yet to be returned. Im writing to you today XX/XX/XXXX as this issue still has not been properly addressed by Ally and the continued avoidance of conversation can only lead one to believe that there is something Ally is trying to hide. Once more I am requesting that someone reaches out to me or my husband regarding his account.

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

State: NY

Zip: 14072

Submitted Via: Web

Date Sent: 2023-09-05

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7496036

Date Received: 2023-09-04

Issue: Problem with a purchase shown on your statement

Subissue: Card was charged for something you did not purchase with the card

Consumer Complaint: On XX/XX/, a purchase that I was unaware of and did not make appeared on my Ollo statement for {$180.00}. I did not make this purchase as I have not used this credit card in almost a year. This is the second time I have been frauded on this particular credit card. I contacted Ollo card on XX/XX/ and disputed this charge as fraud. The amount was placed on hold while they investigated this fraudulent charge. The company requested I complete paper forms to dispute this charge. I mailed back one letter on XX/XX/ and the other letter XX/XX/XXXX both certified to make sure Ollo received the letters. Both letters asked the exact same questions, but I responded to both of them and tracked the certified letters to make sure the company received the required forms. At this time Ollo was transitioning to Ally. I got the feeling that these correspondences would be lost in this transition. On XX/XX/XXXX I received another letter stating that based on their investigation this was a legitimate purchase and that I was still liable to pay for this unauthorized purchase. On XX/XX/XXXX I called Ally and talked to XXXX at Ally card services disputing this charge as fraud once again. The amount was placed on hold on XX/XX/XXXX while they conducted their investigation. The fact that this is the second time this particular credit card has been frauded leaves me to believe this is internal fraud. On XX/XX/XXXX I received a letter once again stating that the company did not believe the purchase was fraudulent and that if I did not pay it they would report the purchase to all three credit agencies and turn me over to collections. By the time I returned home from my job the bill was already due on XX/XX/. I paid for this fraudulent charge on XX/XX/XXXX not wanting this unauthorized purchase to affect my credit and having no other recourse than Consumer Financial Protection Agency. I plan to close out all of my accounts with this company this week since they have coerced me into paying for a fraudulent purchase I did not make. I have never heard of a credit card company forcing a customer to pay for an unauthorized purchase. Please assist me in any way possible to recoup the {$180.00}. This company needs to be investigated for fraud.

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

State: AZ

Zip: 860XX

Submitted Via: Web

Date Sent: 2023-10-04

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7496006

Date Received: 2023-09-05

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

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

Consumer Complaint: Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. ALLY FINCL XXXX has been paid and closed since 2022 but on my report, this is still showing with a balance. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or ALLY FINCL customer service representative.

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

State: CA

Zip: 91767

Submitted Via: Web

Date Sent: 2023-09-05

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.