February 2021 Complaints Against Ally

Compiled from Public Data by FairShake

If you have an issue with Ally, you’re not alone.

The US government’s Consumer Financial Protection Bureau (CFPB) collects complaints against financial companies.

In 2021, the CFPB received 2232 complaints against Ally. Ally ranked Number 23 among all financial companies for the most complaints.


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Complaint Details:

Date of Complaint: February 11, 2021

Company Official Name: ALLY FINANCIAL INC.

State: TX

Product: Debt collection
Sub-Product: I do not know

Issue: Communication tactics
Sub-Issue: You told them to stop contacting you, but they keep trying

Full Complaint:
The first phone call occurred on or about XXXX, 2021. I did not recognize the number calling and let it leave a message which was a prerecorded message from a lady named XXXX (? ). The recording was not clear. I called the company after looking it up online. The company is Ally Financial. They wanted my social security number and I refused to give it to them because I did not have business with them. They were looking for a XXXX or XXXX XXXX. My husband ‘s name is XXXX XXXX XXXX and we are not related to this other person. I told them the number they were calling and they said they could not find it in their records. I asked that they not call me any further and they said that I would not be called. I received a call daily over the next five days and each time I went through the same conversation. The last time on XX/XX/2021 I told the person on the phone that I would file a complaint if I got another call from them. They assured me I would not be called. Today at about XXXX XXXX I received another phone call. I want these to stop but they wont stop calling me.

Complaint Tags: Older American, Servicemember

Company response:

Response Type: Closed with explanation

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


Complaint Details:

Date of Complaint: February 10, 2021

Company Official Name: ALLY FINANCIAL INC.

State: NC

Product: Checking or savings account
Sub-Product: Checking account

Issue: Closing an account
Sub-Issue: Company closed your account

Company response:

Response Type: Closed with explanation

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


Complaint Details:

Date of Complaint: February 11, 2021

Company Official Name: ALLY FINANCIAL INC.

State: TN

Product: Debt collection
Sub-Product: Auto debt

Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft

Full Complaint:
I am the Consumer pursuant to 15 U.S.C. 1692a ( 3 ) and Creditor pursuant to 15 U.S.C. 1692a ( 4 ). I went to XXXX XXXX XXXX on XX/XX/XXXX to conduct a consumer credit transaction for the purchase a vehicle. I filled out a credit application and extended my credit but an employee of XXXX XXXX XXXX named XXXX XXXX XXXX financing through Ally Financial in the amount of {000.00} under the guise that it was necessary. I am in possession of a ” Retail Installment Sale Contract ” This form is misleading and deceptive. It gives my security interest to the vehicle to Ally Financial. My private information has been breached. I have sent a debt validation letter and cease and desist letter to Ally Financial and it was received on XX/XX/XXXX. The USPS tracking # is XXXX XXXX XXXX XXXX XXXX. Ally Financial is committing mail fraud petitioning me for an alleged debt. I sent Ally my instructions and a rescission letter pursuant to 15 U.S.C. 1635 that was received on XX/XX/XXXX, the USPS tracking number is XXXX XXXX XXXX XXXX XXXX. I am sick and tired of the harassment and blatant disregard for my Consumer rights. I recently received a threatening letter from Ally Financial attempting to collect a debt which is another violation. They never responded to my debt validation letter. They are also reporting inaccurate information to the Credit Bureaus which is ruining my reputation and it violates the Fair Credit Reporting Act. Ally Financial nor XXXX XXXX XXXX has responded to my affidavit that I signed under penalty of perjury. I am aware that a straw purchase has occurred.

Company response:

Response Type: Closed with explanation

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


Complaint Details:

Date of Complaint: February 11, 2021

Company Official Name: ALLY FINANCIAL INC.

State: MI

Product: Debt collection
Sub-Product: I do not know

Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours

Company response:

Response Type: Closed with explanation

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


Complaint Details:

Date of Complaint: February 11, 2021

Company Official Name: ALLY FINANCIAL INC.

State: OR

Product: Checking or savings account
Sub-Product: Checking account

Issue: Managing an account
Sub-Issue: Deposits and withdrawals

Full Complaint:
This is a follow-on to an existing complaint about ALLY BANK which I have already on file. On XX/XX/2020 I attempted to electronically withdraw a total of {0.00} from my account which the bank had already sat upon for nearly two weeks after deposit and one week after clearance. These two deposits were less than the amount of supposedly cleared funds in the account and there were additional funds deposited and ” on hold ”.

Ally Bank is flagging each of my check deposits from three different sources, including another actual Institution ( XXXX XXXX XXXX by claiming to have ” information that indicates the check may not be paid. ” Checks were issued from XXXX XXXX ; a business that I have received checks from numerous times with no problems ; and one of my own personal checking accounts which has more than adequate funds to cover the amount of check XXXX {00.00} XXXX.
Both of my attempted electronic transactions were rejected by Ally Bank causing the recipient institution to place a freeze on my account at that institution, thereby causing me economic harm directly and indirectly.
This practice of, in my opinion, unlawfully holding funds for an unreasonable time results in potentially millions of dollars accruing to ALLY BANK from interest payments that would otherwise be credited to the accounts of its customers, not to mention the fees and penalties that customers may have incurred due to their reliance upon the availability of their funds.

Company response:

Response Type: Closed with explanation

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


Complaint Details:

Date of Complaint: February 11, 2021

Company Official Name: ALLY FINANCIAL INC.

State: FL

Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting

Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else

Company response:

Response Type: Closed with explanation

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


Complaint Details:

Date of Complaint: February 11, 2021

Company Official Name: ALLY FINANCIAL INC.

State: IL

Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting

Issue: Improper use of your report
Sub-Issue: Credit inquiries on your report that you don’t recognize

Full Complaint:
Ally Financial apparently did 2 credit inquiries within 10 days. I purchased a car on the XXXX. The car dealer apparently pulled my credit on the XXXX, then again on the XXXX and again on the XXXX. I already secured financing on the XXXX, there was no reason to pull my credit multiple times after I made the purchase. I did not authorize any credit inquiries on any day, other than the XXXX. Both of these inquiries need to be removed from my XXXX credit report.

Company response:

Response Type: Closed with explanation

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


Complaint Details:

Date of Complaint: February 11, 2021

Company Official Name: ALLY FINANCIAL INC.

State: FL

Product: Vehicle loan or lease
Sub-Product: Loan

Issue: Getting a loan or lease
Sub-Issue: Fraudulent loan

Full Complaint:
I am a victim of identity theft. I have reported this event to the federal trade commission. I have never signed for a car loan, promissory note, or any type of instrument nor have I received anything of value or value said owed. I have suffered irreparable harm from these fraudulent actions. FTC report number XXXX

Company response:

Response Type: Closed with explanation


Complaint Details:

Date of Complaint: February 11, 2021

Company Official Name: ALLY FINANCIAL INC.

State: PA

Product: Vehicle loan or lease
Sub-Product: Loan

Issue: Incorrect information on your report
Sub-Issue: Account status incorrect

Full Complaint:
Reviewed my credit report notice that my Ally loan says its closed and delinquent and I have a letter stating that its been closed. I called them they had me on hold and transferred over an hour. I called back they said the have limited access to my acct because its closed. My loan was under my grandmother and myself. On my XXXX it states closed and current and on XXXX and XXXX closed and delinquent.

Company response:

Response Type: Closed with explanation

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


Complaint Details:

Date of Complaint: February 10, 2021

Company Official Name: ALLY FINANCIAL INC.

State: TX

Product: Vehicle loan or lease
Sub-Product: Loan

Issue: Struggling to pay your loan
Sub-Issue: Denied request to lower payments

Full Complaint:
Ally Auto Fiancial ( Auto Loan ) This is my second vehicle financed by Ally Auto. The previous vehicle was a XXXX XXXX, which I paid off before time in full ; hence Im a good customer.
Due to the COVID-19 furlough, I had requested more time to pay my current Ally auto payments. I was asked to contact via chat, and I did on XX/XX/XXXX. I was assured that I would not be paying any interest etc., till the end of XX/XX/XXXX.
However, I received an email from Ally in early XX/XX/XXXX that I was late in payment. Then, on XX/XX/XXXX, I contacted Ally auto via email and phone. Email reply was an auto-reply from Ally asking me to call. I have tried several times to call Ally auto but was promptly placed on hold for more than 45 minutes. I was told by one representative on phone you are from XXXX, why are you in the USA. ( Im a proud US Citizen ) I called a few more times to work something out with Ally auto, but every time was placed on hold, endlessly.
Ally auto never called me back or replied to my emails to work out a payment plan or a fair resolution. I believe I have been treated unfairly inspite of having an excellent paying history.
Ally Financial is also unfairly sending a negative report to credit bureaus.
I am requesting that Ally Auto cancel my payments for a couple of months and retract any negative report sent and work out a payment plan.
Im hoping that this can be resolved in a mutually agreeable term. Ally financial called today ( XX/XX/XXXX ) and threatened to repossess the car and ruin my credit history. I believe I am a victim of Ally Auto ‘s predatory business practices, discrimination and bias.
I’m being forced to pay inspite of promises made by Ally Financial without making any current concessions due to COVID-19 pandemic.
Thank You for your help!
XXXX XXXX

Company response:

Response Type: Closed with explanation

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


FairShake accessed this complaint from the public archives of the Consumer Financial Protection Bureau (CFPB). You can file your own complaint with the CFPB here.

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