Independent profile — not affiliated with Ally Financial

Ally Financial

Ally Financial Inc. is the Detroit-based parent of Ally Bank and of Ally's auto finance, insurance and Ally Invest businesses, formerly GMAC. This page collects Ally's own contact, payment extension, repossession, payoff and bank error-reporting routes, the 2013 CFPB and DOJ order, a 2016 DOJ mortgage-securities settlement, the 2026 SEC order and 2025 FINRA settlement involving Ally Invest, court records, and CFPB, BBB and Trustpilot figures, each dated October 14, 2026.

COMPLAINTS21
VERIFIED PHONE1-888-925-2559
LAST CHECKED2026-10-14
Write a Review Jump to complaints ↓
CONSUMER ALLEGATION

Complaints & Reviews on USAComplaints

USAComplaints currently maintains 21 historical complaints about Ally Financial, published between 2010 and 2013. No approved complaints have been published on this site during the last three years. For a current reputation snapshot, see the independent sources below.

EDITORIAL

Complaint Themes

Repossession, repossession notices or collection after default (keyword match, 21 posts about Ally itself)Lease-end charges or lease deposit disputes (keyword match, 21 posts about Ally itself)Ally Bank deposit products: CD rates, bill pay, account holds or credit checks (posts naming Ally Bank)

Each tag reflects a complaint's single primary theme (not every angle it raised), and complaints outside any problem theme — a positive report, or one later retracted by its author — aren't tagged. Counts may total less than the full complaint count above.

EXTERNAL SOURCE

Independent Sources

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

BBB: 11 reviews, 2637 complaints
CFPB: 30712 complaints
Trustpilot: 1698 reviews,
VERIFIED

Contacts & Login

VERIFIED

Locations

TypeAddress
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: what Ally's own pages say (checked October 14, 2026)

Ally's own pages, opened on October 14, 2026, set out the routes below. Ally Financial Inc. is the parent of Ally Bank and of Ally's auto finance, insurance and Ally Invest businesses, so first identify which product your problem concerns: a vehicle contract, a bank deposit account, a brokerage or advisory account, or a home loan.

Auto financing. Ally's Contact Us page lists General Auto support at 1-888-925-2559 (Monday to Friday 8 am to 11 pm ET, Saturday 9 am to 7 pm ET). It gives two mailing addresses: vehicle payments go to the Payment Processing Center, P.O. Box 71119, Charlotte, NC 28272-1119, and 'payment disputes, payments with restrictions or endorsements and customer service correspondence' 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 sign up for an extension even if your account is past due, that the extension covers past-due and upcoming payments, that finance charges continue to accrue at the contract rate on a retail contract (so an extension can also result in 'one or more additional monthly payments' after the extension period), that Ally 'won't charge additional late fees during your extension period', and that you are 'only allowed a limited number of extensions'. Its modification FAQ says a modification 'doesn't forgive or waive any portion of your outstanding balance' and that once completed you cannot modify again.
  • If a vehicle is repossessed. Ally's Account information FAQ says it will send a notice outlining how you can get the vehicle back and gives the Redemption Center number, 1-877-845-8862.
  • Payoff and title. Ally's pages say a payoff quote is available after logging in, that the title or lien release is mailed 'within 10 business days' after the final payment is processed (within four business days for certified funds), and that a Title Tracker shows status. Include the vehicle account number with a mailed payoff. The payoff FAQ says to choose 'Get Payoff Quote' after selecting the vehicle, and that an online debit-card payment is made through CheckFreePay, a third party that 'charges a $3.75 fee' in addition to the payment amount.
  • If a credit-report entry looks wrong. The CFPB's guidance says to start by disputing the error in writing with the credit reporting company (Experian, Equifax or TransUnion), and that the company must forward the dispute to the company that provided the information and report the results back to you. This page does not list a separate Ally dispute address; use the contact routes above.

Ally Bank deposit accounts. The bank line is 1-877-247-2559 (listed as open 24/7); general mail goes to Ally Bank Customer Care, P.O. Box 951, Horsham, PA 19044. Ally's Deposit Agreement (document dated 'Effective October 10, 2026') says that for errors in electronic transfers it 'must hear from you no later than 60 days after we send or make available to you the FIRST statement on which the problem or error appeared'; that it may ask for a phone complaint to be put in writing within 10 business days; that it will determine whether an error occurred within 10 business days or may take up to 45 days with a provisional credit; and that for unauthorized debit card or PIN use you can lose no more than $50 if you tell Ally within two business days of learning of the loss, but could lose as much as $500 if you do not and Ally can prove it could have stopped the use, and that if you do not report unauthorized transfers shown on a statement within 60 days you may not get back money lost after the 60 days if Ally can prove it could have stopped it.

Holds and closures. The same agreement says that in certain circumstances (including if Ally suspects a transaction may involve illegal activity or fraud, suspects you may be the victim of a fraud, scam or financial exploitation, or believes it is necessary to avoid loss or reduce risk) it may 'delay, decline, cancel or reverse transactions, or otherwise restrict or freeze some or all of the funds in your account', without prior notice except as prohibited by law. It also says Ally has 'the right to close your account at any time for any reason without advance notice', will return the remaining funds with accrued interest minus any applicable penalty, and may report to Early Warning Services or ChexSystems if it closes an account for a negative balance, fraud, suspicious activity or other negative handling.

Fraud. Ally lists 1-833-226-1520 for reporting fraud.

If Ally does not resolve it. The Consumer Financial Protection Bureau accepts complaints about auto loans, bank accounts and credit reporting at consumerfinance.gov/complaint/ and forwards them to the company; your state attorney general's consumer-protection office is another route. Keep dates, account numbers (last four digits only in public posts) and copies of what you sent.

This site's archive holds 21 approved posts that name Ally, GMAC or an Ally product as the company complained about; see the complaint record section for how they are counted and how they differ from regulator and third-party figures.

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's enforcement page lists Ally Financial Inc. and Ally Bank, docket 2013-CFPB-0010, initial filing date December 20, 2013, status 'Expired/Terminated/Dismissed'. The consent order says it was issued 'without admitting or denying any of the findings or conclusions, except that Respondents admit to the CFPB's jurisdiction'. The CFPB's findings in the order are that Ally's policy allowing dealers discretion to mark up interest rates above Ally's 'buy rate' resulted in discrimination on the basis of race and national origin in violation of the Equal Credit Opportunity Act. The CFPB's press release says the order required $80 million in damages to affected borrowers and $18 million in civil money penalties and describes more than 235,000 minority borrowers harmed from April 2011 through December 2013, in coordination with a Department of Justice order. The CFPB's page now carries a notice that the Bureau amended Regulation B in April 2026 to state that ECOA 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 it failed to adequately disclose, from September 2019 until August 2025, the conflict of interest in setting a thirty percent cash allocation for its no-advisory-fee 'Cash-Enhanced' accounts, and that its statement that portfolio management was based on Modern Portfolio Theory was misleading. The order censures the firm and imposes a cease-and-desist order and a $500,000 civil money penalty. The order says Ally Invest updated its Form ADV disclosure in August 2025.

FINRA, October 8, 2025 (Ally Invest Securities LLC). FINRA's December 2025 disciplinary summary reports an AWC 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 Case #2021071257201).

Ally's Form 10-K for 2025 and Form 10-Q for the quarter ended June 30, 2026 describe legal matters in general terms only (certified or purported class actions, regulatory investigations and enforcement proceedings) and, in the sections reviewed, do not name individual pending matters. FINRA's BrokerCheck page for Ally Invest Securities LLC, opened October 14, 2026, shows 3 total disclosures: 2 regulatory events and 1 arbitration; this page summarizes only the October 2025 FINRA matter above. This list is limited to the actions named here and is not a complete enumeration of every federal or state matter.

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

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. Its Form 10-K for 2025 describes the company as a financial-services company with $196.0 billion in assets at December 31, 2025, 'the nation's largest all-digital bank and an industry-leading automotive financing and insurance business', and says it had approximately 10,300 employees. It is registered as a bank holding company and financial holding company. Ally Bank is a commercial bank organized under Utah law whose deposits are insured by the FDIC; the 10-K reports Ally Bank total assets of $184.6 billion and non-affiliate deposits of $151.6 billion (company figures).

Business lines. Per the 10-K, the primary lines are Dealer Financial Services (automotive finance and insurance) and Corporate Finance; Corporate and Other includes centralized treasury, the consumer mortgage portfolio and Ally Invest. Ally's automotive finance operations purchase retail installment contracts from dealers, so many borrowers first meet Ally through a dealership. Securities products are offered through Ally Invest Securities LLC (member FINRA/SIPC) and advisory services through Ally Invest Advisors Inc., both wholly owned subsidiaries of Ally Financial Inc., according to Ally's Contact Us page.

Name history and divestitures. The SEC's filer record for Ally Financial Inc. lists former names GMAC Inc. (until May 2010), GMAC LLC and General Motors Acceptance Corp, which is why some older consumer posts say 'GMAC/Ally'. According to the 10-K, Ally closed the sale of Ally Lending on March 1, 2024 and of Ally Credit Card on April 1, 2025 (the 10-K says it entered a definitive agreement with CardWorks, Inc.; Ally's Contact Us page now says Ally credit cards are issued by Merrick Bank), and consumer mortgage originations ceased in the second quarter of 2025, with the existing portfolio running off. A different entity may therefore be responsible for a card or mortgage account that began with Ally; check the name on your statement.

EDITORIAL

Complaint record: CFPB database, BBB, Trustpilot and this site's archive (as displayed October 14, 2026)

CFPB Consumer Complaint Database. Queried on October 14, 2026 for the company name 'ALLY FINANCIAL INC.', the database shows 30,712 complaints received from March 5, 2012 through October 12, 2026, of which 5,974 were received since October 14, 2025. Company responses (all dates) are shown as closed with explanation 26,592, closed with non-monetary relief 2,283, closed with monetary relief 1,328, in progress 415, closed without relief 59 and closed 25. Consumers choose the product label; the largest as displayed are vehicle loan or lease (7,692), credit reporting or other personal consumer reports (6,789), checking or savings account (4,672), a second credit-reporting label (4,225), debt collection (2,685) and consumer loan (2,093). These labels are listed separately and are not added together. The CFPB publishes complaints as submitted and does not verify them.

BBB. The BBB profile for Ally Financial, Inc (Auburn Hills, MI; BBB file opened August 20, 2001 per page data) shows a rating of A-, states that the business is not BBB Accredited, gives 'Failure to respond to 2 complaint(s) filed against business' as a reason for the rating, and shows 2,637 total complaints in the last 3 years, 602 in the last 12 months, and an average of 11 customer reviews at 1 out of 5 stars, as displayed on October 14, 2026. These BBB figures are a different count from the CFPB figures above.

Trustpilot. The Trustpilot page for ally.com shows 1.6 out of 5 from 1,698 reviews and a claimed profile as displayed on October 14, 2026. Trustpilot says it does not fact-check reviews.

This site's archive. 21 approved posts dated from 2010 to 2013 name Ally (or GMAC/Ally) as the company complained about; five further posts concern GMAC Mortgage lines and are shown as related, not counted as Ally's own. They are individual accounts, not findings. Keyword matches in the 21 posts: five describe a repossession, four concern lease-end charges or a lease deposit, and six are about Ally Bank deposit products such as CD rates, bill pay or an account hold. These archive counts are not combined with the regulator or third-party figures.

EDITORIAL

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

Haskins repossession-notice class action (Missouri). Ally's Form 10-Q for the quarter ended September 30, 2021 describes Ally Financial Inc. v. Haskins and Duncan, Case No. 16JE-AC01713-01 (Circuit Court of Jefferson County, Missouri). Ally sued to collect a deficiency after repossession; the buyers counterclaimed for nationwide and Missouri classes alleging Ally's pre- and post-disposition notices violated Article 9 of the Uniform Commercial Code. The court certified the classes in May 2018. 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 that consumer reporting agencies delete specified trade lines, and a release of related claims; the court entered an amended final order approving it in September 2021.

Owens v. Ally Bank (W.D.N.C.). Three proposed class actions about a data security incident were consolidated on October 7, 2024 into No. 3:24-cv-00811 (Owens, Hamilton and Craig against Ally Bank and Ally Financial Inc.); a consolidated amended complaint was filed November 20, 2024. Trade press describing the first filing reports claims of negligence, breach of implied contract and unjust enrichment. Ally moved to dismiss on January 21, 2025, and the plaintiffs filed a notice of voluntary dismissal without prejudice on February 17, 2025. Ally's exhibits to its motion, as listed on the docket, include notification letters dated May 23, 2024 and August 2024; the docket entries do not state facts about the incident beyond that list.

CourtListener also lists many individual consumer suits naming Ally Financial or Ally Bank (filed in 2026, among other years); their claims are not described on the docket index and are not summarized here.

EDITORIAL

Is Ally Financial Legitimate?

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 listed on Ally's website as a Member FDIC, and the 10-K says its deposits are insured by the FDIC. The Contact Us page lists NMLS IDs for Ally Financial Inc. (3015) and Ally Bank (181005) and says Ally Invest Securities LLC is a FINRA/SIPC member.

Being a licensed, regulated company does not mean every customer is satisfied. The record on this page includes a 2013 CFPB and DOJ consent order, a 2016 DOJ settlement concerning mortgage-backed securities, a 2026 SEC order and a 2025 FINRA settlement involving Ally entities, a $87.5 million repossession-notice class settlement approved in 2021 in which Ally denied liability, and tens of thousands of CFPB complaints, each described with its own status above. For contact details, use the numbers published on ally.com; Ally lists 1-833-226-1520 for reporting fraud.

PUBLIC RECORD

Court & Public Records

CaseAuthorityDatesTypeOutcomeSource
Ally Financial Inc. v. Haskins and Duncan (repossession-notice class counterclaim)
Docket 16JE-AC01713-01		Circuit Court of Jefferson County, Missouri—SettledSettled

Buyers sued by Ally for a deficiency after repossession counterclaimed on behalf of nationwide and Missouri classes that Ally's pre- and post-disposition notices violated Article 9 of the Uniform Commercial Code. Classes were certified in May 2018. Ally, 'while maintaining its denial of any liability or wrongdoing', agreed to settle in December 2020. The settlement filed in March 2021 provides for a $87.5 million cash payment, a waiver of $700 million in charged-off deficiency balances, a request to credit reporting agencies to delete specified trade lines and a class release; the court entered an amended final order approving it in September 2021, per Ally's Form 10-Q for the quarter ended September 30, 2021.

Source
Owens et al. v. Ally Bank and Ally Financial Inc. (consolidated data security incident class action)
Docket 3:24-cv-00811		U.S. District Court, W.D. North CarolinaDismissedDismissed

Putative class action by customers over a data security incident, consolidated on October 7, 2024 with Hamilton (3:24-cv-00818) and Craig (3:24-cv-00862); a consolidated amended class complaint was filed November 20, 2024. Trade press reports claims of negligence, breach of implied contract and unjust enrichment. Ally moved to dismiss on January 21, 2025; on February 17, 2025 the plaintiffs filed a notice of voluntary dismissal without prejudice. These are allegations; no finding was made on the docket. Docket checked newest first on October 14, 2026.

Source
CONSUMER ALLEGATION

Related Complaints

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

VERIFIED

Company Relationships

  • Affiliated with: Ally Bank
  • Affiliated with: Ally Invest Securities LLC
  • Affiliated with: Ally Invest Advisors Inc.
  • Formerly known as: GMAC Inc.
EDITORIAL

Frequently Asked Questions

How do I contact Ally about an auto loan?

Ally's Contact Us page, opened October 14, 2026, lists General Auto support at 1-888-925-2559 (Monday to Friday 8 am to 11 pm ET, Saturday 9 am to 7 pm ET). Vehicle payments are mailed to P.O. Box 71119, Charlotte, NC 28272-1119; payment disputes and customer service correspondence go to Ally Financial, P.O. Box 380901, Bloomington, MN 55438.

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

Ally's payment extension FAQ says an extension can be requested even when an account is past due and covers past-due and upcoming payments. On a retail contract finance charges keep accruing at the contract rate, so more finance charges are paid; Ally says it will not charge additional late fees during the extension, that extensions are limited in number, that an extension can result in one or more additional monthly payments after the extension period, and that deferring does not extend GAP, maintenance, life or disability coverage in the contract.

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

Ally's Account information FAQ says it will send a notice outlining how to get the vehicle back and gives the Redemption Center number, 1-877-845-8862. The notice itself and your state's rules, not this page, control deadlines and amounts; Ally's 2021 class settlement concerned the content of such notices and is described in the court record section.

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

Ally's contracts and titles FAQ says the title or lien release is mailed within 10 business days after the final payment is processed under the state's requirements, and within four business days for certified funds such as a cashier's check or money order. It says a Title Tracker on the account page shows status and that Ally can release its lien electronically in states with an electronic title program.

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

Ally's Deposit Agreement (effective October 10, 2026) says it must hear from you no later than 60 days after it sends or makes available the first statement showing the problem. For lost or stolen debit cards or PINs it says you can lose no more than $50 if you tell Ally within two business days of learning of the loss, or as much as $500 if you do not and Ally can prove it could have stopped the use. If unauthorized transfers appear on a statement and you do not tell Ally within 60 days, you may not recover money lost after that period if Ally can prove it could have stopped it. Ally's bank line is 1-877-247-2559, listed as open 24/7.

How many CFPB complaints name Ally Financial?

The CFPB Consumer Complaint Database showed 30,712 complaints for 'ALLY FINANCIAL INC.' received from March 5, 2012 to October 12, 2026, with 5,974 received since October 14, 2025, as queried on October 14, 2026. The CFPB publishes complaints as submitted and does not verify them; the figures are not findings against Ally and are separate from BBB and Trustpilot counts.

What was the 2013 CFPB and DOJ action against Ally?

The CFPB's consent order of December 20, 2013 (docket 2013-CFPB-0010), issued without Ally admitting or denying the findings, other than jurisdiction, concerned dealer markups on auto loans and the Equal Credit Opportunity Act. The CFPB's press release says it required $80 million in damages and $18 million in civil money penalties; the CFPB's enforcement page lists the action's status as expired, terminated or dismissed.

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

Per Ally's Form 10-K for 2025, Ally closed the sale of Ally Credit Card on April 1, 2025 (a definitive agreement with CardWorks, Inc.) and stopped consumer mortgage originations in the second quarter of 2025, with the portfolio running off. Ally's Contact Us page says Ally credit cards are issued by Merrick Bank. Check the issuer and servicer named on your statement and use that company's contact details.

Is GMAC the same company as Ally?

The SEC's filer record for Ally Financial Inc. lists the former names GMAC Inc. (until May 7, 2010), GMAC LLC and General Motors Acceptance Corp, so older GMAC auto contracts are with the company now named Ally Financial Inc. This page does not cover GMAC Mortgage or ResCap accounts; check the servicer named on a mortgage statement.

Can Ally Bank freeze funds or close a deposit account?

Ally's Deposit Agreement (effective October 10, 2026) says that in certain circumstances, including suspected illegal activity or fraud or where Ally believes it necessary to avoid loss or reduce risk, it may delay, decline, cancel or reverse transactions or restrict or freeze some or all funds, without prior notice except as prohibited by law. It also says Ally may close an account at any time for any reason without advance notice, returning the remaining balance with accrued interest minus any applicable penalty, and may report to Early Warning Services or ChexSystems in cases such as a negative balance or fraud.

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

The CFPB's guidance on credit report errors says to start by disputing the information in writing with the credit reporting company (Experian, Equifax or TransUnion), explaining what is wrong and attaching supporting documents. It says the credit reporting company must forward the dispute to the company that provided the information and report the results back to you. This page does not list a separate Ally dispute address.