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Ally Financial Reviews & Complaints

Ally Financial Inc., formerly GMAC, is the Detroit-based parent of Ally Bank and of Ally's auto finance, insurance and Ally Invest businesses. Auto borrowers can find Ally's contact numbers and mailing addresses, its payment extension, repossession, payoff and title rules, and Ally Bank's deadlines for reporting account errors, along with the 2013 CFPB and DOJ auto-lending order, the 2016 DOJ mortgage-securities settlement, the 2025 FINRA and 2026 SEC actions involving Ally Invest, court cases, and CFPB, BBB and Trustpilot figures.

REVIEWS & COMPLAINTS139on USAComplaints · none in last 3 yrs · latest 2014
PHONE1-888-925-2559General support for car financing
WEBSITEally.com
HEADQUARTERSDetroit, MI
PROFILE CHECKED2026-11-02
Submit a Complaint Read reviews & complaints ↓ Call 1-888-925-2559 Official website ↗
VERIFIED

Contacts & Login

Customer service & general contact

Account & login

Report abuse or suspicious activity

Other contacts

VERIFIED

Locations

  • HeadquartersAlly Detroit Center, 500 Woodward Ave., Floor 10 Detroit MI 48226
  • Mailing addressP.O. Box 380901 Bloomington MN 55438
  • Mailing addressP.O. Box 71119 (vehicle payments) Charlotte NC 28272-1119
  • Mailing addressAlly Bank Customer Care, P.O. Box 951 Horsham PA 19044
EDITORIAL

Ally auto loans, Ally Bank accounts, repossession and disputes: who to contact and the deadlines that apply

Ally Financial Inc. is the parent of Ally Bank and of Ally's auto finance, insurance and Ally Invest businesses, and each has its own phone line and mailing address. Start by identifying which product the problem concerns: a vehicle loan or lease, a bank deposit account, a brokerage or managed investment account, or a home loan.

Auto financing. General Auto support is 1-888-925-2559, Monday to Friday 8 am to 11 pm ET and Saturday 9 am to 7 pm ET (from outside the U.S., +1-316-652-6430; fax 1-866-584-2047). Vehicle payments are mailed to the Payment Processing Center, P.O. Box 71119, Charlotte, NC 28272-1119. Payment disputes, payments with restrictions or endorsements, and customer service letters go to Ally Financial, P.O. Box 380901, Bloomington, MN 55438.

  • If you are behind or expect to be. Ally's payment extension FAQ says you can request an extension even if the account is already past due, and the extension covers both past-due payments and payments not yet due. Finance charges keep accruing at the contract rate during the deferral, so an extension can add one or more monthly payments at the end of the contract. Ally says it will not charge additional late fees during the extension period, but only a limited number of extensions are allowed, and deferring does not lengthen any GAP, maintenance, life or disability coverage in the contract. A contract modification is a separate option: Ally's modification FAQ says it does not forgive or waive any part of the balance, and once a modification is completed you cannot modify the contract again.
  • If a vehicle is repossessed. Ally says it will send a notice explaining how to get the vehicle back, and the Redemption Center is at 1-877-845-8862. Keep that notice and act on it promptly. Under Article 9 of the Uniform Commercial Code (section 9-623), you can redeem the vehicle until Ally sells it or contracts to sell it, by paying everything owed on the loan plus the reasonable expenses of repossession; your state's law sets the rest of the notice and timing rules. Ask the Redemption Center, in writing if possible, for the exact amount needed to redeem and the date after which the vehicle may be sold. The Haskins class settlement described below concerned the content of such notices.
  • Bankruptcy or a deceased borrower. Ally's special handling FAQ lists 1-800-495-1578 after a bankruptcy filing and 1-866-447-6583 once the case is closed (both Monday to Thursday 7 am to 6 pm CT, Friday 7 am to 5 pm CT), and 1-877-735-4622 if a party on the contract has died.
  • Payoff and title. To get a payoff quote, log in, select the vehicle and choose Get Payoff Quote; you can pay online or mail the payoff to the Charlotte address above with your vehicle account number. Ally sends online debit-card payments through CheckFreePay, a third party that charges a $3.75 fee on top of the payment. After the final payment is processed, Ally mails the title or lien release within 10 business days if you paid online or by personal check, or within four business days if you paid with certified funds such as a cashier's check or money order. In states with an electronic title program Ally can release its lien directly with the state, and a Track your title tool in the account shows where the release stands.
  • If a credit-report entry looks wrong. The CFPB recommends two steps. First, dispute the entry in writing with each credit reporting company that shows it (Experian, Equifax or TransUnion), explaining what is wrong and attaching copies of supporting documents; the credit reporting company must investigate, forward your dispute to the company that supplied the data and report the results to you. Second, send a written dispute to the company that supplied the data, here Ally, at the address shown on your credit report or the address the company designates for credit reporting disputes; such companies generally must investigate and respond within 30 days.

Ally Bank deposit accounts. The bank line is 1-877-247-2559, open 24/7 (from outside the U.S., +1-757-247-2559), and general mail goes to Ally Bank Customer Care, P.O. Box 951, Horsham, PA 19044. Under the section of the Ally Bank Deposit Agreement titled Errors or Questions About Your Electronic Transfers, Ally must hear from you no later than 60 days after it sends or makes available the first statement on which the problem appeared; give your name, account number, the dollar amount and why you believe it is an error. If you call, Ally may ask you to confirm in writing within 10 business days. Ally says it will decide whether an error occurred within 10 business days, or take up to 45 days (90 days for new accounts, point-of-sale and foreign-initiated transactions) and credit the disputed amount provisionally in the meantime. Under the section titled Liability for Unauthorized Transfers from Your Account, your loss is limited to $50 if you report a lost or stolen debit card or PIN within 2 business days of learning of it, and can reach $500 if you report later and Ally can prove it could have stopped the use. If you do not report unauthorized transfers within 60 days of the statement that shows them, you may not get back money lost after those 60 days if Ally can prove timely notice would have stopped it; Ally says it will extend these periods for a good reason such as a long trip or a hospital stay.

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Holds and closures. The agreement allows Ally to delay, decline, cancel or reverse transactions, or to restrict or freeze some or all of the funds in an account, where it suspects a transaction may be illegal or fraudulent, suspects you may be the victim of fraud or financial exploitation even if you authorized the transaction, or believes the step is necessary to avoid loss or reduce risk, and to do so without prior notice except where the law prohibits it. Ally also reserves the right to close an account at any time for any reason without advance notice; it returns any remaining balance with interest accrued to the closing date, minus any applicable penalty, and may report a closure for a negative balance, fraud, suspicious activity or other negative handling to Early Warning Services or ChexSystems, which can make it harder to open an account elsewhere. The agreement requires any lawsuit about the account to be brought in a proper court in Utah.

Fraud. Report suspected fraud on an Ally account to Ally at 1-833-226-1520. If someone opened an account or loan in your name, the CFPB points to IdentityTheft.gov, the federal government's site for reporting and recovering from identity theft.

If Ally does not resolve it. File a complaint with the Consumer Financial Protection Bureau at consumerfinance.gov/complaint or (855) 411-2372; the CFPB sends it to Ally and publishes Ally's response category. Ally's 10-K says Ally Bank is supervised by the Federal Reserve, the Utah Department of Financial Institutions, the FDIC and the CFPB. For an auto repossession, deficiency or collection dispute, your state attorney general's consumer-protection office is another route. For an Ally Invest account, FINRA's BrokerCheck shows the firm's disclosures, and FINRA and the SEC accept investor complaints. Keep dates, account numbers (only the last four digits in anything posted publicly) and copies of everything you send.

139 published complaint reports are linked to this profile.

EDITORIAL

Company Information

Legal name
Ally Financial Inc.
Business type
Financial holding company: Ally Financial Inc. is the Delaware parent of Ally Bank (a Utah-chartered, FDIC-insured direct bank) and of its automotive finance, insurance, corporate finance and Ally Invest businesses
Website
ally.comSource: Ally home page and Contact Us page, checked 2026-11-02
Headquarters
Detroit, MISource: SEC EDGAR filer record for Ally Financial Inc., CIK 40729, business address, checked 2026-11-02

Ally Financial Inc. is a public company (NYSE: ALLY) that files annual and quarterly reports with the SEC, and its Form 10-K for 2025 describes it as a registered bank holding company and financial holding company. Ally Bank is a Member FDIC, and the 10-K says it is supervised and examined by the Federal Reserve, the Utah Department of Financial Institutions, the FDIC and the CFPB. Ally's website lists NMLS IDs for Ally Financial Inc. (3015), Ally Bank (181005) and Ally Servicing LLC (212403), and says Ally Invest Securities LLC is a member of FINRA and SIPC.

A licensed, supervised lender can still be the subject of complaints and enforcement. Ally's record includes the 2013 CFPB and DOJ consent order on auto-loan pricing, the 2016 DOJ settlement over mortgage-backed securities, a 2025 FINRA settlement and a 2026 SEC order involving Ally Invest firms, an $87.5 million repossession-notice class settlement approved in 2021 in which Ally denied liability, and more than 30,000 CFPB complaints; each is described below with its exact outcome. To avoid look-alike payment sites, Ally's payment FAQ advises typing ally.com/auto into the browser or using the Ally Auto app, and notes that third-party payment services such as CheckFreePay, Western Union, ACI Pay and MoneyGram charge fees that Ally does not. Ally lists 1-833-226-1520 for reporting fraud.

EXTERNAL SOURCE

Independent Sources

Shown for context — not merged with USAComplaints' own numbers.

BBBComplaints in the last 3 years, BBB of Michigan profile for Ally Financial, Inc, Auburn Hills, MI
17 reviews · 2,606 complaints · BBB business grade A- · average customer rating 1 / 5
CFPBAll complaints received since March 2012, company name ALLY FINANCIAL INC.
30,998 complaints
TrustpilotAll reviews on the Trustpilot page for www.ally.com
1,715 reviews · TrustScore 1.6 / 5
CONSUMER ALLEGATION

Reviews & Complaints on USAComplaints

USAComplaints currently maintains 139 historical complaints about Ally Financial, published between 1999 and 2014. No approved complaints have been published on this site during the last three years. For a current reputation snapshot, see the independent sources on this page.

Show 15 more on this page
EDITORIAL

Complaint Themes

Repossession, repossession notices or collection after defaultLease-end charges or lease deposit disputesAlly Bank deposit products: CD rates, bill pay, account holds or credit checks (posts naming Ally Bank)

Themes summarize what people write about most often. One complaint can touch several themes, and some complaints (a positive report, or one later retracted by its author) fit none, so themes are not a count of complaints.

Had an experience with Ally Financial? Tell other people what happened.

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EDITORIAL

Complaint record: CFPB database, BBB and Trustpilot

CFPB Consumer Complaint Database. Under the company name ALLY FINANCIAL INC., the database holds 30,998 complaints received since March 5, 2012, of which 6,002 were received in the last 12 months. Ally's responses across all years are listed as closed with explanation (26,878), closed with non-monetary relief (2,308), closed with monetary relief (1,333), in progress (385), closed without relief (59), closed (25) and closed with relief (9); the database marks all but two responses as timely. The consumer picks the product when filing, and the largest product groups are vehicle loan or lease (7,821), credit reporting or other personal consumer reports (6,858), checking or savings account (4,736), an older credit-reporting category (4,225), debt collection (2,703) and consumer loan (2,093). Because the CFPB has renamed its categories over the years, similar products can appear under more than one label. The CFPB publishes complaints as submitted and does not verify the consumer's account of events.

BBB. The BBB of Michigan profile for Ally Financial, Inc in Auburn Hills, MI shows a rating of A-, states that the business is not BBB Accredited, and shows 2,606 complaints in the last 3 years, 569 of them in the last 12 months, and 17 customer reviews averaging 1 out of 5 stars. BBB complaints are a separate count from the CFPB figures above.

Trustpilot. The Trustpilot page for ally.com, which the company has claimed, shows a TrustScore of 1.6 out of 5 from 1,715 reviews. Trustpilot says it does not fact-check reviews.

Reports on this site. 139 published complaint reports are linked to this profile. They are individual consumer accounts, not findings, and are counted separately from the CFPB, BBB and Trustpilot figures. Common topics are repossession and collection after default, lease-end charges and lease deposit refunds, and Ally Bank deposit products such as CD rates, bill pay and account holds.

EDITORIAL

CFPB and DOJ 2013 auto-lending order, DOJ 2016 mortgage-securities settlement, SEC 2026 order and FINRA 2025 settlement

CFPB and DOJ, December 20, 2013 (auto loan pricing). The CFPB and the Department of Justice ordered Ally Financial Inc. and Ally Bank to pay $80 million in damages to African-American, Hispanic, and Asian and Pacific Islander borrowers and $18 million in civil money penalties. According to the CFPB's press release, Ally set a risk-based buy rate on indirect auto loans and let dealers mark up the interest rate, and the agencies determined that more than 235,000 minority borrowers paid higher rates than similarly situated non-Hispanic white borrowers between April 2011 and December 2013. The CFPB's enforcement page lists the matter as an administrative proceeding, docket 2013-CFPB-0010, with the status Expired/Terminated/Dismissed. The page now also notes that in April 2026 the Bureau amended Regulation B, the rule implementing the Equal Credit Opportunity Act, to state that the Act does not authorize disparate-impact liability.

SEC, March 23, 2026 (Ally Invest Advisors Inc.). In Release No. IA-6954 (File No. 3-22617) the SEC accepted an offer of settlement from Ally Invest Advisors Inc., the investment adviser behind Ally Invest's robo-advisor accounts. Without admitting or denying the findings, the firm consented to an order finding that from September 2019 until August 2025 it failed to adequately disclose its conflict of interest in setting a thirty percent cash allocation for its no-advisory-fee Cash-Enhanced accounts, an allocation the SEC says was selected in part to generate a financial benefit for Ally Invest's affiliated broker-dealer and affiliated bank, making up for the revenue lost by not charging an advisory fee on those accounts, and that from September 2019 to October 2022 it inaccurately described the management of those accounts as based on Modern Portfolio Theory, when only the non-cash portion was managed that way. The SEC found a willful violation of Section 206(2) of the Advisers Act. The order censures the firm, directs it to cease and desist, and imposes a $500,000 civil money penalty. It also records that Ally Invest updated its Form ADV disclosure in October 2022 and in August 2025.

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FINRA, October 8, 2025 (Ally Invest Securities LLC). FINRA's monthly disciplinary report for December 2025 lists this Letter of Acceptance, Waiver and Consent (AWC, FINRA Case 2021071257201), under which Ally Invest Securities LLC was censured and fined $850,000 and, without admitting or denying the findings, consented to findings that it failed to preserve business-related electronic communications with customers because of technical failures in three systems, and failed to maintain a supervisory system reasonably designed to review communications from about 120 group mailboxes and a customer-service platform, so that at least 521,000 communications were not timely reviewed. FINRA's summary adds that it had previously warned the firm about another failure to review business-related electronic communications. FINRA's BrokerCheck report for Ally Invest Securities LLC (CRD 136131) lists two regulatory events and one arbitration among its disclosures; investors can read each one there.

DOJ, U.S. Attorney's Office for the Central District of California, November 21, 2016 (mortgage-backed securities). The U.S. Attorney's press release says Ally Financial Inc. agreed to pay the United States $52 million to settle allegations that its subsidiaries acted improperly in relation to 10 subprime residential mortgage backed securities issued in 2006 and 2007, resolving an investigation into alleged violations of the Financial Institutions Reform Recovery and Enforcement Act (FIRREA). The release says the agreement requires a $52 million civil penalty and the wind-down and de-registration of the broker-dealer Ally Securities, LLC, and that it preserves the government's ability to bring criminal charges and does not release any individuals.

EDITORIAL

Court record: repossession-notice class settlement and a voluntarily dismissed data-breach class action

Haskins repossession-notice class action (Missouri). Ally's Form 10-Q for the third quarter of 2021 describes Ally Financial Inc. v. Alberta Haskins and David Duncan, Case 16JE-AC01713-01 in the Circuit Court of Jefferson County, Missouri. Ally filed the case in March 2016 to collect the deficiency left after the buyers defaulted and their vehicle was repossessed and sold. The buyers counterclaimed on behalf of nationwide and Missouri classes, alleging that Ally's notices before and after the sale violated Article 9 of the Uniform Commercial Code. The court certified both classes in May 2018 and refused to decertify them in November 2019. In December 2020 Ally, while maintaining its denial of any liability or wrongdoing, agreed to settle. The settlement agreement filed in March 2021 provides for a cash payment of $87.5 million by Ally, a waiver of $700 million in charged-off deficiency balances, a request by Ally that identified consumer reporting agencies delete specified trade lines, and a release of related claims by the classes. The court entered an amended final order approving the settlement in September 2021.

Owens v. Ally Bank (W.D.N.C.), data security incident. Sebestian Owens filed a proposed class action against Ally Bank and Ally Financial Inc. on September 7, 2024. His complaint quotes Ally's notice letter of May 23, 2024, which said customers' personal information may have been accessed by an unauthorized party who gained access to a vendor's systems, and it pleads negligence, breach of implied contract, unjust enrichment and declaratory judgment. On October 7, 2024 the court consolidated the case with two similar suits, Hamilton (3:24-cv-00818) and Craig (3:24-cv-00862), under No. 3:24-cv-00811, and the three plaintiffs filed a consolidated amended complaint on November 20, 2024. Ally moved to dismiss on January 21, 2025, arguing failure to state a claim and lack of jurisdiction. On February 17, 2025 the plaintiffs filed a notice of voluntary dismissal without prejudice, and the docket shows the case closed that day without any ruling on the claims.

PUBLIC RECORD

Court & Public Records

Ally Financial Inc. v. Haskins and Duncan (repossession-notice class counterclaim)

Settled

Circuit Court of Jefferson County, MissouriDocket 16JE-AC01713-01Source ↗

Settled

Ally sued two buyers in March 2016 to collect the deficiency left after their vehicle was repossessed and sold. In March 2017 the buyers counterclaimed on behalf of nationwide and Missouri classes, alleging that Ally's pre- and post-disposition notices violated Article 9 of the Uniform Commercial Code. The court certified both classes in May 2018 and denied Ally's motion to decertify in November 2019. In December 2020 Ally, while maintaining its denial of any liability or wrongdoing, agreed to settle. The settlement agreement filed in March 2021 provides for an $87.5 million cash payment by Ally, a waiver of $700 million in charged-off deficiency balances, a request by Ally that identified consumer reporting agencies delete specified trade lines, and a release of related claims by the classes. The court entered an amended final order approving the settlement in September 2021, according to Ally's Form 10-Q for the third quarter of 2021.

Owens et al. v. Ally Bank and Ally Financial Inc. (consolidated data security incident class action)

Dismissed

U.S. District Court, W.D. North CarolinaDocket 3:24-cv-00811Source ↗

Dismissed

Proposed class action filed by customer Sebestian Owens on September 7, 2024 against Ally Bank and Ally Financial Inc. over a data security incident. The complaint quotes Ally's notice letter of May 23, 2024, which said personal information may have been accessed by an unauthorized party who gained access to a vendor's systems, and it pleads negligence, breach of implied contract, unjust enrichment and declaratory judgment. On October 7, 2024 the court consolidated the case with Hamilton (3:24-cv-00818) and Craig (3:24-cv-00862), and a consolidated amended class complaint followed on November 20, 2024. Ally moved to dismiss for failure to state a claim and lack of jurisdiction on January 21, 2025. On February 17, 2025 the plaintiffs filed a notice of voluntary dismissal without prejudice, and the docket shows the case terminated that day. No class was certified and the court made no finding on the claims.

EDITORIAL

Who Ally Financial is: Ally Bank, auto finance, insurance and Ally Invest

Ally Financial Inc. is a Delaware corporation headquartered at Ally Detroit Center, 500 Woodward Ave., Detroit, Michigan, and its shares trade on the New York Stock Exchange under the symbol ALLY. In its Form 10-K for 2025 the company describes itself as a financial-services company with $196.0 billion in assets at December 31, 2025, made up of what it calls the nation's largest all-digital bank and an industry-leading automotive financing and insurance business, and reports about 10,300 employees. Ally is registered as a bank holding company and a financial holding company. Its bank, Ally Bank, is a Utah-chartered commercial bank whose deposits are insured by the FDIC; the 10-K reports Ally Bank assets of $184.6 billion and non-affiliate deposits of $151.6 billion at the same date.

Business lines. The 10-K names two primary business lines: Dealer Financial Services, which covers automotive finance and insurance, and Corporate Finance, which lends to equity sponsors and middle-market companies. Deposit operations, the consumer mortgage portfolio and Ally Invest sit in a Corporate and Other segment. If you financed a car at a dealership, Ally may hold your contract even though you never applied to Ally: the 10-K says Ally buys retail installment sales contracts and leases from dealers after the dealer and the buyer sign them, and also lends directly to consumers. Brokerage accounts are held through Ally Invest Securities LLC, a FINRA member that BrokerCheck lists under the former names TradeKing Securities LLC and TradeKing LLC, and managed portfolios through Ally Invest Advisors Inc., a registered investment adviser; Ally's Contact Us page says both are wholly owned subsidiaries of Ally Financial Inc.

Name history and divestitures. The SEC's filer record for Ally Financial Inc. lists the former names GMAC Inc. (until May 2010), GMAC LLC and General Motors Acceptance Corp, which is why older auto contracts and consumer posts say GMAC. According to the 10-K, Ally closed the sale of Ally Lending on March 1, 2024 and of Ally Credit Card, under an agreement with CardWorks, Inc., on April 1, 2025, and consumer mortgage originations ceased in the second quarter of 2025, with the existing mortgage portfolio running off. Ally's website now says Ally credit cards are issued by Merrick Bank. For a card, point-of-sale loan or mortgage that began with Ally, check the issuer or servicer named on your latest statement before you call.

VERIFIED

Company Relationships

  • Affiliated withAlly Bank
  • Affiliated withAlly Invest Securities LLC
  • Affiliated withAlly Invest Advisors Inc.
  • Formerly known asGMAC Inc.
CONSUMER ALLEGATION

Related Complaints

Names this company in a role other than the primary subject — not necessarily current or complete.

EDITORIAL

Frequently Asked Questions

How do I contact Ally about an auto loan?

Call General Auto support at 1-888-925-2559, Monday to Friday 8 am to 11 pm ET and Saturday 9 am to 7 pm ET (from outside the U.S., +1-316-652-6430; fax 1-866-584-2047), or log in for chat and secure messages. Vehicle payments are mailed to the Payment Processing Center, P.O. Box 71119, Charlotte, NC 28272-1119; payment disputes and customer service letters go to Ally Financial, P.O. Box 380901, Bloomington, MN 55438. For a repossessed vehicle call the Redemption Center at 1-877-845-8862.

Can I defer an Ally auto payment, and does it cost more?

Ally offers payment extensions, and its FAQ says you can request one even if the account is already past due; the extension covers past-due payments and payments not yet due, and your due date moves forward by the number of months deferred. It does cost more over the life of the loan: finance charges keep accruing at the contract rate (not compounded), so an extension can add one or more monthly payments at the end. Ally says it will not charge additional late fees during the extension, that only a limited number of extensions are allowed, and that deferring does not lengthen GAP, maintenance, life or disability coverage in the contract. Making payments during the extension reduces the extra finance charges. To ask, call 1-888-925-2559 or apply after logging in.

What does Ally say to do if a vehicle is repossessed?

Ally's Account information FAQ says it will send a notice explaining how you can get the vehicle back after repossession, and it directs questions to the Redemption Center at 1-877-845-8862. Keep the notice and act on it promptly. Under Article 9 of the Uniform Commercial Code (section 9-623), you can redeem the vehicle until it is sold or under contract for sale by paying everything owed on the loan plus the reasonable expenses of repossession, and your state's law sets the remaining notice and timing rules. Ask the Redemption Center for the redemption amount and the date after which the vehicle may be sold. In the Haskins case, settled in 2021 without any admission of liability, buyers alleged that Ally's notices before and after sale did not meet Article 9 of the Uniform Commercial Code.

How long does Ally take to release a title after payoff?

Ally's contracts and titles FAQ says that after it processes the final payment under your state's requirements, it mails the title or lien release within 10 business days if you paid online or by personal check, or within four business days if you paid with certified funds such as a cashier's check or money order. In states with an electronic title program, such as California, Florida, New York and Texas, Ally can release its lien directly with the state when the record is held electronically. A Track your title tool in the online account shows where the release stands. If you leased the vehicle and are buying it out, Ally says an agent will contact you about the title.

How long do I have to report an error or unauthorized transfer on an Ally Bank account?

The Ally Bank Deposit Agreement says Ally must hear from you no later than 60 days after it sends or makes available the first statement on which the error appeared. For a lost or stolen debit card or PIN, your loss is limited to $50 if you tell Ally within 2 business days of learning of it, and can reach $500 if you report later and Ally can prove it could have stopped the use. If unauthorized transfers appear on a statement and you do not report them within 60 days, you may not get back money lost after those 60 days if Ally can prove timely notice would have stopped it; Ally says it will extend these periods for a good reason such as a long trip or a hospital stay. Call 1-877-247-2559, open 24/7, and confirm in writing if Ally asks, within 10 business days.

How many CFPB complaints name Ally Financial?

The CFPB Consumer Complaint Database holds 30,998 complaints under the company name ALLY FINANCIAL INC. received since March 5, 2012, including 6,002 received in the last 12 months. Vehicle loans or leases are the largest product group, followed by credit reporting and checking or savings accounts. Ally closed most complaints with an explanation; 1,333 were closed with monetary relief and 2,308 with non-monetary relief. The CFPB publishes complaints as submitted and does not verify them, so the figures are not findings against Ally, and they are counted separately from BBB and Trustpilot.

What was the 2013 CFPB and DOJ action against Ally?

On December 20, 2013 the CFPB and the Department of Justice ordered Ally Financial Inc. and Ally Bank to pay $80 million in damages to African-American, Hispanic, and Asian and Pacific Islander auto borrowers and $18 million in civil money penalties. The CFPB's press release on the order said that dealer markups above Ally's buy rate led more than 235,000 minority borrowers to pay higher interest rates than similarly situated non-Hispanic white borrowers between April 2011 and December 2013. The CFPB's enforcement page, docket 2013-CFPB-0010, lists the matter's status as Expired/Terminated/Dismissed.

Is Ally still the company behind Ally credit cards and mortgages?

Not for new business. Ally's Form 10-K for 2025 says Ally sold Ally Credit Card to CardWorks, Inc., closing on April 1, 2025, sold Ally Lending on March 1, 2024, and stopped originating consumer mortgages in the second quarter of 2025, leaving its existing mortgage portfolio to run off. Ally's website now says Ally credit cards are issued by Merrick Bank. For an existing home loan Ally lists 1-866-401-4742. Check the issuer or servicer named on your latest statement and use that company's contact details.

Is GMAC the same company as Ally?

The company is the same. The SEC's filer record for Ally Financial Inc. lists its former names as General Motors Acceptance Corp (until 2006), GMAC LLC (2006 to 2009) and GMAC Inc. (2009 to May 2010), so the company that held GMAC auto contracts is the one now named Ally Financial Inc. Old GMAC Mortgage loans are a different matter: check the servicer named on your latest mortgage statement.

Can Ally Bank freeze funds or close a deposit account?

The Ally Bank Deposit Agreement allows it. Ally may delay, decline, cancel or reverse transactions, or restrict or freeze some or all of the funds in an account, if it suspects illegal activity or fraud, suspects you may be the victim of fraud or financial exploitation, or believes the step is necessary to avoid loss or reduce risk, and it may act without prior notice except where the law prohibits it. Ally may also close an account at any time for any reason without advance notice; it returns the remaining balance with interest accrued to the closing date, minus any applicable penalty, and may report a closure for a negative balance, fraud or suspicious activity to Early Warning Services or ChexSystems. Call Ally Bank at 1-877-247-2559 to ask what is needed to release a hold, and if the problem is not resolved you can file a complaint with the CFPB.

How do I dispute an Ally account entry on my credit report?

The CFPB's guidance describes two steps. First, dispute the entry in writing with each credit reporting company that shows it (Experian, Equifax or TransUnion), explaining what is wrong and why and attaching copies of supporting documents; the credit reporting company must investigate, forward the dispute to the company that supplied the information and report the results to you. Second, send a written dispute to the company that supplied the information, here Ally, at the address shown on your credit report or the address it designates for credit reporting disputes, preferably by certified mail; such companies generally must investigate and respond within 30 days. If the entry results from identity theft, the CFPB points to IdentityTheft.gov.