What is the most common complaint against Ally Financial Inc.?

The most common issue consumers report about Ally Financial Inc. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 2,557 complaints filed with the CFPB.

Are complaints against Ally Financial Inc. increasing or decreasing?

Complaints against Ally Financial Inc. are rising. The company received 784 complaints in the last 12 months, indicating an upward trend in consumer issues.

What is Ally Financial Inc.'s reputation grade?

Ally Financial Inc. has a reputation grade of D (score: 54.1/100), PlainCollector's composite letter grade blending complaint volume, response timeliness, dispute rate, and complaint trend.

Does Ally Financial Inc. respond to consumer complaints?

Ally Financial Inc. has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 17% of cases.

In how many states does Ally Financial Inc. operate?

Ally Financial Inc. has received CFPB complaints from consumers in 50 states, with the most complaints from Texas (340 complaints).

This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.

Ally Financial Inc. - Debt Collector Complaint Profile

CFPB complaint profile across 50 states, reputation grade D.

Compiled by PlainCollector

Attempts to collect debt not owed

883
Took or threatened to take negative or legal action

483
Communication tactics

365
Written notification about debt

302
False statements or representation

263
Cont'd attempts collect debt not owed

110

Data updated September 2026

CFPB complaint disposition

CCDB record ally-financial-inc Ally Financial Inc.

Grade D · 2,557 CFPB filings · 100% timely · lead issue: Attempts to collect debt not owed · vol #65 · compose #3521

VOL 2,557
GRADE D
12MO 784
STATES 50
TIMELY 100%
DISPUTE 17%
ISSUE Attempts to collect debt n…
RANK #65
COMPOSE #3,521

Volume peers

Nearest volume peer: The CMI Group, Inc. (2,558 complaints)

CFPB complaint volume neighbourhood (this collector + nearest volume peers)

Ally Financial Inc.'s 2,557 CFPB complaints sit next to The CMI Group, Inc. on the volume neighbourhood; peer NAMES stay, and disposition VALUES are this collector's. Grades compare collectors to each other - a complaint is a filing, not a proven violation. How to read a complaint count →

Distributed filing map

Ally Financial Inc. spreads filings across 50 states - Texas leads at only 13.3%

Despite a broad state map, Ally Financial Inc. still sits volume #65 against composite #3,521 - the two RankMaps diverge by 3,456 places. Corpus placement method.

Most-even geography: Lead state under 15%; Texas still leads at 13.3% across 50 states
Seasonal peak: 2025-06 9.9%; 8–15% band · 15 filings
Divergent corpus ranks: #65 volume; #3,521 composite; Cleanest-composite ladder is 3,456 places worse than volume

How does Ally Financial Inc. compare to its peers?

How does ALLY FINANCIAL INC. compare? Versus a similar-volume peer and the national average (collectors with ≥50 total complaints), drawn from 10 collectors with a comparable complaint count

ALLY FINANCIAL INC. National average

Complaints (last 12 mo)lower is better

784

268

Timely-response ratehigher is better

100%

91%

Consumer-dispute ratelower is better

17%

19%

Source: CFPB Consumer Complaint Database.

Complaint Trend (24 months)

2024-03 2026-03

Issue Detail Breakdown

Issue	Complaints
Attempts to collect debt not owed	883
Took or threatened to take negative or legal action	483
Communication tactics	365
Written notification about debt	302
False statements or representation	263
Cont'd attempts collect debt not owed	110
Threatened to contact someone or share information improperly	63
Improper contact or sharing of info	40
Disclosure verification of debt	30
Electronic communications	13

Where do complaints against Ally Financial Inc. come from?

Ally Financial Inc.'s own per-state count, not a national baseline.

Texas

340
Florida

276
California

192
Georgia

183
North Carolina

133
Pennsylvania

122
Michigan

114
New York

112

Compare beyond geography

Nationwide peers by volume & timely response

Two PlainCollector-derived comparison paths for Ally Financial Inc.: nearest all-time CFPB complaint volume and nearest CFPB timely-response rate among collectors with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.

Similar filing volume

Nearest collectors by total CFPB complaints. This record: 2,557.

4 peers

Similar timely response rate

Nearest collectors by CFPB 15-day timely-response %. This record: 99.95728321230244%.

4 peers

Know your rights before responding to Ally Financial Inc.: FDCPA rights guide · debt validation letter · rights library.

Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector

According to the Consumer Financial Protection Bureau's Consumer Complaint Database, 1,139,236 debt collection complaints are represented in the current PlainCollector snapshot. See our methodology for how PlainCollector computes each company's reputation grade from this data.

Every figure on PlainCollector is rendered directly from federal source data, no number is typed in by an editor. This page draws directly on federal source data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.