Total CFPB complaints
2,341
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 2,341 complaints
ALLY FINANCIAL INC. — Debt Collector Complaint Profile
CFPB complaint profile across 50 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about ALLY FINANCIAL INC.
- Attempts to collect debt not owed
Attempts to collect debt not owed
757 complaints
- Took or threatened to take negative or legal action
Took or threatened to take negative or legal action
355 complaints
- Communication tactics
Communication tactics
311 complaints
- False statements or representation 224
False statements or representation
224 complaints
- Written notification about debt 184
Written notification about debt
184 complaints
- Cont'd attempts collect debt not owed 71
Cont'd attempts collect debt not owed
71 complaints
D
Grade D · 56.2/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about ALLY FINANCIAL INC.?
ALLY FINANCIAL INC. has accumulated 2,341 total CFPB complaints across 50 states, with 694 filed in the most recent 12 months against 1,647 historical complaints before that window. The trailing-12-month volume represents 29.6% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 17% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 50 states, led by Texas with 290 and Florida with 258, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.2/100 places ALLY FINANCIAL INC. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
694
29.6% of total history
Rising ↑
States active
50
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
17%
After company response
Reputation grade
D
56.2/100 composite
Response-quality profile
How ALLY FINANCIAL INC. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 34.1%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 89.3%
Share of US states + territories with at least one filed complaint against this collector.
How does ALLY FINANCIAL INC. compare to its peers?
ALLY FINANCIAL INC. National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed757 (%)
Took or threatened to take negative or legal action355 (%)
Communication tactics311 (%)
False statements or representation224 (%)
Written notification about debt184 (%)
Cont'd attempts collect debt not owed71 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 386 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 282 |
| Communication tactics | Frequent or repeated calls | 230 |
| False statements or representation | Attempted to collect wrong amount | 224 |
| Attempts to collect debt not owed | Debt was paid | 188 |
| Written notification about debt | Didn't receive enough information to verify debt | 184 |
| Attempts to collect debt not owed | Debt was result of identity theft | 183 |
| Communication tactics | You told them to stop contacting you, but they keep trying | 81 |
| Took or threatened to take negative or legal action | Seized or attempted to seize your property | 73 |
| Cont'd attempts collect debt not owed | Debt is not mine | 71 |
Where do complaints against ALLY FINANCIAL INC. come from?
The states where consumers have filed the most CFPB complaints against ALLY FINANCIAL INC.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against ALLY FINANCIAL INC.
Across 50 states with at least one filing
- Texas
Texas
290 complaints
- Florida
Florida
258 complaints
- California
California
177 complaints
- Georgia
Georgia
168 complaints
- North Carolina
North Carolina
122 complaints
- Pennsylvania 110
Pennsylvania
110 complaints
- Michigan 108
Michigan
108 complaints
- New York 106
New York
106 complaints
Frequently Asked Questions
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 2,341 complaints filed with the CFPB.
Are complaints against ALLY FINANCIAL INC. increasing or decreasing? ▼
Complaints against ALLY FINANCIAL INC. are rising. The company received 694 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: 56.2/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
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 (290 complaints).
What can I do if ALLY FINANCIAL INC. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If ALLY FINANCIAL INC. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |