Credit reporting, credit repair services, or other personal consumer reports -- Credit monitoring or identity theft protection services -- Complaint #5183354
Complaint Overview
Complaint ID: 5183354
Company: Ally Financial INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-Issue: Billing dispute for services
State: Florida
ZIP Code: 32507
Date Received: 2022-02-03T12:00:00-05:00
Date Sent to Company: 2022-02-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
*THIS IS NOT A DUPLICATE* My family was in an accident XX/XX/XXXX, we were almost in a head on collision with a driver who was under the influence of drugs. I reported the incident to my insurance company and I called the finance company in charge of my account which happens to be Ally financial. I told them the situation about the car and that the car was totaled. Each time I called I spoke with a different person and had to explain the situation all over again. For some reason they refused to move the account to total loss even though I gave them all the information I had and my account continued to accumulate interest and fees and debt. I sent them a {$10000.00} insurance check that I confirmed that they received and still refused to move the account to total loss so that the accident can be reported to my gap insurance so the remaining balance can be paid for. Now they have reported on my credit negatively so much so that I cant dispute it because had they turned my account over to total loss earlier than allowing it to go into collections, the account would have been paid off. Today, XX/XX/XXXX, I spoke with a XXXX from the Ally Financial Redemption Team and his employee ID is XXXX. He confirmed that my total balance is {$44000.00}. He was going to give me a breakdown where all those fees were coming from but I told him I didn't want the total breakdown because that amount shouldn't be that amount, it should be way lower than that because they should've added this total loss. He also kept asking me if I still had the vehicle even though one of Allys representatives had already confirmed that they had the vehicle that they got from the junk yard, which is on their recording. On XX/XX/XXXX my husband found a link on Ally Financials site which allows a person to file a claim for gap insurance. The XXXX XXXX that we owned had gap insurance but this option was never told to me because the representatives never handed my case over to the total loss department after the accident. I have previously spoken to several supervisors and managers who said they were going to get it escalated to total loss and I had even spoken with someone from the total loss department one time and nothing ever came from it after that, no follow up calls, nothing.
Frequently Asked Questions
What is Complaint #5183354 about?
Complaint #5183354 was filed against Ally Financial INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Credit monitoring or identity theft protection services. It was received by the CFPB on 2022-02-03T12:00:00-05:00.
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, credit repair services, 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.