Vehicle loan or lease -- Incorrect information on your report -- Complaint #16936502
Complaint Overview
Complaint ID: 16936502
Company: Ally Financial INC.
Product: Vehicle loan or lease
Sub-Product: Lease
Issue: Incorrect information on your report
Sub-Issue: Old information reappears or never goes away
State: New York
ZIP Code: 10977
Date Received: 2025-10-30T12:00:00-05:00
Date Sent to Company: 2025-10-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I leased a vehicle in XX/XX/XXXX through Ally Financial. In XX/XX/XXXX, the car was involved in an accident and declared a total loss. The insurance company paid the full balance on the lease, and I also had GAP insurance coverage. After the payout, I received a bill from Ally Financial for {$5500.00} for alleged overmileage. This charge is unfair and inaccurate because : 1. I did not exceed the mileage limit in the contract. 2.The XXXX lease had not yet matured when the vehicle was totaled. 3. The insurance fully paid off the car, and Ally accepted the payment. 4. I had Gap Insurance 4. Based on my conversations with several leasing agents, banks Never charge overmileage after a total loss. Because of this error, my credit has been severely damaged, which has affected my business and caused significant financial harm. I request that Ally Financial remove the overmileage charge, correct my credit report, and confirm in writing that my account is closed in good standing.
Frequently Asked Questions
What is Complaint #16936502 about?
Complaint #16936502 was filed against Ally Financial INC. regarding Vehicle loan or lease specifically about Incorrect information on your report. It was received by the CFPB on 2025-10-30T12:00:00-05:00.
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 (Vehicle loan or lease) 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.