Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #10660250
Complaint Overview
Complaint ID: 10660250
Company: Ally Financial INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Georgia
ZIP Code: 30809
Date Received: 2024-11-01T12:00:00-05:00
Date Sent to Company: 2024-11-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Please address this matter urgently, as Ally failed to contact me before reporting the missed payment to the credit bureau, even though, as a cosigner, I should have been informed. They also refused to help my girlfriend under extreme circumstances. I cosigned on a vehicle for my girlfriend, who has made every payment on time for over XXXX years. However, in XXXX, XXXX XXXX hit Georgia, destroying our home and causing her to miss her first payment. In the aftermath, my loan provider, XXXX, granted me a courtesy forbearance, and I assumed Ally would offer her similar assistance. However, when she reached out to Ally, they refused any form of support or relief, despite the financial impact of the hurricane. My girlfriend did not inform me that Ally had denied her assistance, so I was unaware of the missed payment. The payment eventually went 30 days past due, and Ally never notified menot by phone, email, or maileven though I am a cosigner. I only discovered the issue when I saw my credit report, showing a XXXX drop due to the missed payment. I contacted Ally twice to resolve this. On my first call, their outsourced customer service struggled to understand the situation and promised a manager would follow up, but no one ever did. XXXX weeks later, after a lengthy phone call, I finally spoke with a XXXX. I explained that my girlfriend had always paid on time and that this was a unique situation caused by the hurricane. However, they still refused to remove the negative mark from my credit report, saying, you should make your payments on time, even though the missed payment was due entirely to a natural disaster. Allys refusal to assist, given these circumstances, shows a lack of compassion and a failure to follow the standard practice of notifying responsible parties, such as the cosigner, and their responsibility to provide reasonable assistance after a major disaster.
Frequently Asked Questions
What is Complaint #10660250 about?
Complaint #10660250 was filed against Ally Financial INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2024-11-01T12:00:00-05:00.
How did Ally Financial INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Ally Financial INC.?
Yes, visit the Ally Financial INC. company profile at readthecomplaint.com/company/ally-financial-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.