Ally

I paid off my auto loan with Ally approximately XXXX months ago. Despite the loan being paid in full, the XXXX has still not been released from my vehicle title in Texas. I have contacted Ally 's customer service numerous times to resolve this issue. Every time I call, I receive different or unclear answers, and no one has been able to explain why the XXXX has not been released. I have not been given a clear timeline, a resolution, or meaningful assistance. This ongoing delay is preventing me from transferring ownership of my vehicle to my wife and obtaining a new title, registration, and license plates. I have fulfilled all of my obligations under the loan agreement by paying the loan in full. I am requesting that Ally immediately investigate this matter, release the lien, update the Texas title records, and provide written confirmation that the XXXX has been released.…

On XX/XX/year>, I received a call from someone claiming to be XXXX Bank XXXX fraud department. I hold XXXX XXXX credit cards, which made the call credible. The caller said I was a victim of identity theft by a person named XXXX XXXX, supposedly arrested in Florida, and gave me a XXXX case number ( XXXX ) and a cancellation case number ( XXXX ). That cancellation number encodes the exact amount I was then told to send, {$1900.00}, which shows the figure was scripted in advance. Under this false pretense I sent a XXXX payment of {$1900.00} to XXXX XXXX XXXX. I reported it to Ally the same day. On XX/XX/year>, Ally denied the claim, stating only that the transaction was " authorized and processed without error. '' That is a Regulation XXXX finding for unauthorized transfers. It does not address whether my claim qualifies under the XXXX network 's imposter scam reimbursement policy, which covers scams impersonating a financial institution.…

I co singed a loan for my step daughter and son in law in XXXX, they ran into personal problems and lost their incom, i was paying the car till XX/XX/XXXX, it became a finacail burden, my step daughter and son in law filed foXXXX XXXX XXXX bankruptcy in XXXX, my son in law approached Ally bank in XX/XX/XXXX after filing bankruptcy and Ally bank agreed to do a Reaffirmation agreement excluding the car, so they where able to keep the car and have not made a payment since, my [ problem is Ally never informed me of this, I would have returned the car in XX/XX/XXXX when the car had value and the loan would have been paid, they changed the agreement of the loan without my knowledge, my credit is spotless except for Ally. Even though they made an areement without me being informed they still report it late on my credit

I am filing this urgent complaint against Ally Financial for willful violations of Section XXXX of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) and 15 U.S.C. 1681s-2. Ally Financial XXXX XXXX XXXX has been in physical possession of my official identity theft and forgery police report for weeks. Under federal law, they are strictly prohibited from threatening or furnishing negative credit data once an identity theft report is in their possession. Despite this, an Ally XXXX recently left me a recorded voicemail explicitly threatening to penalize my consumer credit history if I do not continue making payments on this forged contract. Furthermore, the Kansas Attorney XXXX XXXX ( Case XXXX ) has completed a preliminary investigation and issued a formal legal demand to the dealer 's counsel, explicitly ruling in writing that this specific retail contract is an active instrument of 'bank fraud and a falsified loan application '.…

I am filing this complaint because I believe the lender mishandled my loan modification process and failed to honor an agreement that I entered into in good faith. I was behind on my vehicle loan payments and was offered a loan modification. I completed the required process, signed the loan modification agreement, and was prepared to make the required payment. At the time the modification was finalized, the payment was reflected as received. The lender also collected the fee associated with the loan modification. After the modification was completed, the payment was later returned. At that point, the lender informed me that the modification would no longer be honored and stated that I was behind XXXX payments instead of XXXX. I requested that the additional amount be incorporated into the modification so I could bring the account current and fulfill the agreement, but the lender refused. This decision placed me in a significantly worse financial position.…

I leased a XXXX XXXX XXXX from XXXX XXXX. As the lease was ending, I used Ally Financial to complete a lease buy out loan. The agreement was signed on XX/XX/XXXX. For the past XXXX months I have been attempting to register my vehicle with my county DMV. I have spent over XXXX hours on the phone with Ally and making multiple trips to the DMV. After working with their title team XXXX days ago, I was assured the appropriate title, paperwork, and sales tax payment had been sent to my county DMV. Today I received confirmation that the DMV has not received any information from Ally. I am now delinquent on my sales tax payment and will receive penalties for not registering my vehicle within XXXX days of the transaction. Ally keeps giving me inconsistent and wrong information and no one there sees this as an issue. Multiple times on recorded phone calls, Ive requested to file a formal complaint and have an investigation into the case and nothing is done.…

I paid off my auto loan via certified funds overnighted on XX/XX/XXXX ( received per fed ex tracking at XXXX XXXX ). Per Ally policy, certified funds require a 4-business-day title release. I was told before I sent money that it would be XXXX days for processing once the payment arrived. I called after XXXX confirmed payment had arrived. I called several times and was told it would be 10 days, 14 days, and then 20 days ; I did not get a straight answer and none of it lined up with what I was told on XX/XX/XXXX when I was told if I sent certified funds the title would be released in XXXX days. After demanding to talk to a manager, he mentioned something about my funds be coded as non-certified and that was leading to longer hold times. He put me on hold a few times to check things ; he confirmed my funds were certified. It was my understanding that he was pursuing fixing the way my payment was coded so that my title could get sent out immediately.…

I am writing to file a formal complaint against Ally Financial regarding ongoing, systematic violations of the Americans with Disabilities Act ( ADA ), deceptive payment practices, and the recent wrongful repossession of my vehicle. First, Ally Financial has consistently failed to provide reasonable ADA accommodations. Your representatives systematically hang up on my IP Relay calls, demonstrating a clear failure by your organization to properly train employees on how to handle these essential communication services for customers with hearing XXXX. Despite my repeated notifications to your company about this issue and your promises to correct it, no meaningful action has been taken. Second, Ally Financial appears to be systematically manipulating the customer web portal to deny me access to make standard online payments. Instead, I am forced to use third-party vendors that charge additional fees at my expense.…

Ive contacted Ally numerous times for updates on my SCRA benefits and each time they say its under review and wont provide data. Ive left messages to managers and managers of managers too all with no action or guidance. The letter claims they will respond within one business day yet they never due. Most recently, I called on XXXX XXXX at approximately XXXX XXXX and have still yet to hear back. This was my 4th follow up call too. Additionally, I am overseas and having to pay for each minute of these calls. Ally is not a transparent nor honest business and their actions should be looked at.

I previously contacted your company for assistance in retrieving my funds from Ally Bank, but despite ongoing communication, I have received nothing but conflicting information and continuous runaround. When I request to speak with a manager, I am met with evasive answers rather than solutions. Months ago, I was informed that my account had been officially closed ; however, a deposit was subsequently accepted into that same account. When I attempted to collect those funds and finalize the closure, I was suddenly told the account was lockeddirectly contradicting what I was previously told. The constant back-and-forth and complete lack of support are entirely unacceptable, and I am requesting immediate management intervention to resolve this and release my money..

My rate is 13.47 % and my monthly payment is {$1300.00}. Ally bank is charging me financing charges {$1000.00} per month for a 13.47 % loan. Thats incorrect and they have not fixed it. They are extremely difficult to work with and the customer service doesnt understand English. Do not use ally bank I have XXXX problems with them and they do not care about their customers.

FINANCING AMOUNT IN DISPUTE : {$63000.00} VEHICLE : XXXX XXXX XXXX XXXX XXXX. UNEXECUTED FINANCING ASSIGNMENT : On XX/XX/XXXX, preliminary delivery of the vehicle was taken. However, the mandatory " Grant of Security Interest / Assignment of Contract '' assigning lien rights to Ally Financial was NEVER executed. The lender holds an unassigned, unperfected financing transaction without a perfected security interest. 2. VEHICLE REJECTION & CONTINUOUS DEALER CUSTODY : On XX/XX/XXXX ( within 24 hours ), the vehicle was returned to dealer custody due to severe safety hazards and undisclosed prior structural/body damage. On XX/XX/XXXX, a formal written Notice of Vehicle Rejection & Contract Unwind was served. The vehicle has remained continuously locked in " Service Mode '' at the dealer location for 78 consecutive days. 3.…

I had a account with Ally they closed it sent me XXXX dollars and kept some then sent me a bill for XXXX dollars and that's what they owed me no account access no statements nothing

I am the owner of the email address associated with this complaint. Since XX/XX/year>, Ally Bank has been sending me account alerts for an account that belongs to another individual. The alerts include account balance information, including overdraft notifications and overdraft amounts. I have contacted Ally 's fraud department multiple times to report that my email address has been incorrectly associated with another customer 's account. Despite these reports, Ally continues to send me confidential account information intended for someone else. I contacted Ally 's fraud department in late XXXX ( I didn't note the date ). I then contacted them on XX/XX/year>, XX/XX/year>, and XX/XX/year> ). Each time I was told their fraud department would research and it would take at least 30 days to review. They said they may contact me, which I said was fine. I continue to get e-mails about this account. I know when it's overdrawn, and by how much. I get loan offers.…

I am a victim of identity theft. An unauthorized auto loan account ( ending in * XXXX ) was opened in my name on XX/XX/XXXX. I promptly filed an FTC Identity Theft Report and a local police report, providing full documentation to Ally Financial. Instead of conducting a fair and legally compliant fraud investigation, Ally Financial placed my online payment portal into a " frozen '' status, completely blocking my access to view statements, monitor the account, or make payments. While actively preventing me from accessing the portal, Ally Financial reported a XXXX-day past-due delinquency to the credit bureaus in XX/XX/XXXX. This predatory reporting action caused an immediate, devastating XXXX-point drop in my credit score. To prevent further severe damage to my creditworthiness, I was forced to have Ally Financial unfreeze the portal so I could bring the fraudulent account current.…

I disputed a charge with Ally Bank but have since managed to resolve it with the vendor and Ally are refusing to close the dispute and unfreeze my account.

I have called Ally Bank many times XXXX they are not able to help me, they tell me to call back I have called back many times and they can not help me. Today is XX/XX/year> and my payment is is due XX/XX/year>. I tried to make an over the phone payment as well.

The issue commenced around XX/XX/year>, when XXXX fortunately and secretively charge late fee to the account and again in XXXXXXXX XXXX XXXX. With additional cascading events to include, but not limited to providing false information to consumer, regulatory and credit agencies that have resulted in expenses/damages-upwards of {$10000.00}. The Executive Customer Relations ( ECR ) team instructed me, via recorded line, to communicate exclusively with onshore representatives within their department, advising against contacting offshore personnel due to non-compliance with company policies and practices. Consequently, despite numerous attempts to contact the ECR group to process a payment, I have been unable to do so, as no representative has accepted or returned my calls. The individuals who answer the phone are merely answering services, lacking the authority to process payments or conduct investigations.…

Product/Service : Checking AccountIssue : Account frozen / Funds held without explanationComplaint Text : On XX/XX/year>, Ally Bank XXXX XXXX transfer and XXXX capabilities without warning or explanation. On XX/XX/year>, a {$700.00} check deposit cleared into my account. Immediately after clearance, Ally Bank froze my entire account.I called the fraud department, spent over an hour on the phone, and successfully passed all identity verification questions. Despite passing, I was told my cleared money would be held for " XXXX business days '' with no option for temporary access. The representative explicitly told me to reroute my paychecks because Ally would freeze those as well. Right after my access was cut, I received automated emails about a new debit card shipping and an outbound transfer taking place, which I can neither track nor verify due to the lockout.I work from home.…

On XX/XX/XXXX I paid XXXX towards my payment due on the XXXX. Amount due is XXXX a month. On the XXXX I paid them XXXX dollars, I forgot to take a picture day I paid so the XXXX is when I actually took picture of payment and it saying nothing due till XX/XX/XXXX, by XX/XX/XXXX my XXXX payment was not applied anymore and its giving me an outstanding balance, also dropped my credit score almost XXXX points. I tried getting ahold of them worse service ever, I read reviews about company and many people are having same issue, some even had car taken. I have multiple time stamped pictures of my account from XXXX showing payment was paid it says completed. They tried saying the money was refunded but then in same sentence said they tried to retake payment but had insufficient funds, but they said they refunded money? And why would you flrefund money 8 days after it was due and paid?…

Issue : I am requesting the removal or correction of a chargeoff reported by Ally Financial for an auto loan opened in XXXX, with a chargeoff balance of approximately {$12000.00}. The cosigner on this loan was my mother, who passed away during the period when the account became delinquent in XXXX. Her death caused significant emotional and financial disruption, and communication regarding the account became unclear and inconsistent. At the same time, my business suffered severe losses due to the XXXX pandemic, which drastically reduced my income and made it impossible to manage the account or understand the remaining balance. Because of these combined circumstances, I was unaware that the account had progressed to a chargeoff. Why I am disputing : The account was opened in XXXX, and I maintained the loan for years before hardship occurred. The cosigner ( my mother ) passed away, which disrupted communication and responsibility for the account.…

I have contacted Ally Bank customer service XXXX separate times to request archived monthly account statements and account balance records for the period covering XX/XX/XXXX through XX/XX/XXXX for all of my accounts held during that period ( including checking and savings ). During each call, front-line representatives stated that because the requested dates exceed the standard online portal display window, they are unable to retrieve or generate these historical files. Representatives refused to escalate or route my request to Ally 's cold-storage archive, document operations, or subpoena compliance departments. Federal regulations require financial institutions to retain account transaction ledgers for at least XXXX years. Because these records are required for court-ordered financial disclosures in a pending legal proceeding, standard consumer portal access is insufficient.…

I am filing a formal consumer complaint against Ally Bank for failure to investigate a deception-induced electronic fund transfer under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. A scammer used fraudulent misrepresentation on XXXX and XXXX text to induce a XXXX transfer, explicitly stating in writing that the funds were 'fully refundable. 'When I requested the refund, the scammer texted a written confession stating they had immediately laundered and diverted my stolen funds into a secondary account. Ally Banks fraud department refused to open a formal case, refused to provide a claim number, and blanket-denied my consumer rights by claiming it was 'my fault because I authorized it. 'My authorization was entirely conditional upon a fraudulent refund guarantee. Ally Bank has failed its error resolution duties by refusing to accept my written text evidence showing criminal money diversion.…

Ally Financial is reporting a charged off auto loan on all three of my credit reports. On XX/XX/year>, I mailed Ally Financial a written request for the account level documentation behind that loan. I asked for the contract, the complete accounting and payment history, the notice of default, the notice of sale, the deficiency calculation, and verification of the dates the company is reporting. XXXX months have passed and nothing has been sent to me. I am asking for those documents again. If Ally Financial can not produce them, it can not support what it is reporting.

I opened an account almost to XXXX to XXXX weeks ago. Maybe less than that it was recommended by a site that I played games on as a place to receive my winnings so I opened the account verified it and had my first deposit from the Game site and found out at that time that there was no virtual debit card or wait for me to access my funds unless I got a card in the mail which I promptly signed up for and now it never came so subsequently I connected through plaid my verified Chime account and transferred the money there after several days the money arrived in my chime account and I received another XXXX dollar deposit from the Game site and subsequently at this point still did not have my debit card and was unable to use this so-called spending account of ally so I transferred those funds to my Chime account a third time I received a cash out of XXXX and this was on XXXX XXXX and I began a transfer which went XXXX challenged and approved by ally then they locked my account they claimed…

The loan was modified a they reporting late payments vehicle doesnt run I was over charges an I would like this account removed Ive contacted them to get said vehicle. They are rude and will not help Ive been struggling trying to pay this car an it has all kind of mechanical issues

On XX/XX/XXXX I bought a XXXX XXXX XXXX XXXX XXXX # XXXX from XXXX XXXX XXXX dealership. Sold as a used vehicle with XXXX miles normal title. I vied the XXXX at the dealership and noticed it was in 3 accident all reported minor however airbags were deployed. The vehicle was located in Florida for both previous owners despite the sales representative stating it was a local car. The sales manager assured me the car damage I saw on the interior above the driver window was not from the airbag deploying. They also told me they do an inspection on all their vehicles and stated they could not sell a vehicle with a salvage title. If a vehicle has deployed airbags and is rebuilt, Georgia law states it can not legally be driven on public roads until it passes a physical state salvage inspection meaning it shouldve been a salvage title and never been sold to me at XXXX XXXX XXXX. When I got home with the vehicle I didnt notice anything to strange besides what was visually damaged.…

I had a recoccuring transaction that I disputed because I couldnt get it canceled. Ally sent me a few emails to contact them. I was late in contacting them, 2 days after there last email and was told too late your account is closed. I asked for reconsideration as I have a lot going on and was not able to contact them in a timely enough manner and they denied it. This account has hundreds of direct deposits and withdraws on it. No one said it would be closed and I never asked it to be closed. I desperately need help.

I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX. The dealership misrepresented the vehicles condition, failed to disclose known defects and recalls, and provided incorrect and incomplete contract documentation. Shortly after purchase, the vehicle experienced electrical failure. On XX/XX/XXXX, XXXX had to perform a lockout and jumpstart service due to a dead battery. The XXXX XXXX record number is XXXX. This incident confirms the vehicle had undisclosed defects at the time of sale. The Retail Installment Sale Contract contains multiple Truth in Lending Act ( TILA ) and Regulation Z disclosure violations, including incorrect buyer information, incorrect fee disclosures, inconsistent odometer readings, missing required documents, improper asis disclosures, and unclear assignment disclosures. The dealership added GAP and service contract charges that were not properly disclosed or explained.…