Who is Ally Financial?
Ally Financial offers consumer credit through a variety of retailers and banks. Ally Financial’s in-house collections and billing departments have received a number of consumer complaints alleging financial crimes. If you have been contacted by Ally Financial or one of its many subsidiaries, make sure you know your rights before responding.
According to their website, Ally Financial initially provided auto financing when it was founded in New York City in 1919, using the slogan “a car for every purse and purchase.” During World War II, it financed General Motors, which provided the Allies with locomotives, submarine engines, airplanes, and tanks. In the 1950s, the company expanded further by providing financing for household appliances and introducing time payment plans for refrigerators, stoves and cars. In the 1970s, their Motors Insurance Company was founded, and within the following decade the company began to finance homes.
Ally Financial states it operates by “three simple principles: do right, talk straight and be obviously better.” In 2012, they celebrated a milestone when they exceeded one million customer accounts.
Ally Financial offers consumer credit services in a wide variety of ways. Their consumer credit department provides credit cards that offer cash back incentives to motivate spending. In addition, they offer auto and home loans as well as traditional banking services. Site visitors can apply for credit directly on the Ally Financial site by clicking the “open account” tab on the home menu. Interested users are invited to invest with the company, but are warned that “investment products are not FDIC insured, are not bank guaranteed and may lose value.”
Ally Financial states they have over “8,000 teammates committed to doing it right, obsessing over the customer and tirelessly innovating to make a real difference.”
How Many Complaints are there against Ally Financial?
Since June 2015, the Consumer Financial Protection Bureau (CFPB) has logged over 650,344 complaints against Ally Financial, ranging from problems with credit reporting, credit repair services, and consumer reports. The BBB’s profile page for Ally Financial lists 1,612 total customer complaints closed in the past three years, with 602 closed in the past 12 months. Most of these complaints were about billing and collection issues, but a significant portion is also about problems with product/service. Of the 153 customer reviews, 151 are negative. Justia lists at least 28 cases of civil litigation that name Ally Financial as a defendant.
What Would It Cost Me To File A Lawsuit Against Ally Financial?
Absolutely NOTHING! Here are some Sample Cases filed in Federal Court:
On November 14, 2017, in the United States District Court of Arizona, Lemberg Law filed a case on behalf of a plaintiff who was receiving phone calls from Ally Financial meant for another person. Despite being informed on multiple occasions that they were calling the wrong individual, the defendant persisted calling the plaintiff “at an excessive and harassing rate.” Ally Financial was using an ATDS (automatic telephone dialing system) without the Plaintiff’s consent which violated the Telephone Consumer Protection Act. This case was settled in March of 2018, less than six months later, at an amount deemed acceptable to the Plaintiff.
On December 30, 2016, Lemberg Law filed a case in United Stated District Court in Michigan on behalf of a client who was receiving ATDS calls from Ally Financial due to an outstanding balance on an automobile loan. Plaintiff spoke to a live representative and requested that the calls to his cell phone cease. Nonetheless, Ally Financial persisted in placing the calls using the automatic dialer. Client received a confidential cash settlement as a result of Ally Financial’s actions.
Ally Financial Contact Information
40600 Ann Arbor Rd. E Ste 201
Plymouth, MI 48170
Telephone: (866) 619-8676
Ally Financial Calling You?
Understanding Your TCPA Rights
The federal Telephone Consumer Protection Act (TCPA) is a law that prohibits telemarketers, banks, debt collectors, and other companies from using an autodialer or robocalls to call you either at home, or on your cell phone without your consent.
The rules of the TCPA and of the Fair Debt Collection Practices Act (FDCPA), administered by the Federal Trade Commission (FTC), control telephonic collection practices. The federal Consumer Financial Protection Bureau (CFPB) enforces the rules and regulations of both Acts.
These laws also provide individuals with a means to seek monetary damages in court. For instance, the TCPA provides monetary compensation to consumers who can prove harassment. In the case of willful harassment, this compensation can be increased three times. As a result, entities can be fined up to $500 if case harassment is proved. In case willful violation is proved, this compensation can be up to $1500.
Ready to Stop the Calls from Ally Financial? Your phone harassment checklist:
These robocalls are prohibited:
- Calls made without your prior written consent to the business
- Calls to a residential line listed on the “Do-Not-Call Registry”
- Calls by telemarketers and debt collectors between the hours of 8 a.m. and 9 p.m.
- Calls that do not provide the name of the caller, identify the business behind the call and provide a contact phone number or address
- Calls that do not provide an automatic opt-out mechanism
- Calls that violate the law, such as making misrepresentations or threats
To spot potential Ally Financial robocalls, listen for signs like these:
- A silent pause between when you answer the call and when the caller begins to speak
- An audible click just after you answer the call
- A prerecorded message instead of a live person on the other end
- A hang-up after you answer
To prepare for a TCPA lawsuit, there are certain steps you can take to strengthen your case:
- For each suspected robocall, make a note of the date and time of the call, the caller’s name, and their contact information.
- Describe the contents of any prerecorded message, or of the conversation you had if you spoke to a live representative.
- Save copies of any relevant cell phone call logs, voicemails, text messages, and cell phone bills.
- Keep a copy of any letter or online contact you send to the caller that asks them to stop calling.
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
We can make them STOP!✋
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW
What Our Clients are Saying
“Lemberg Law has been great in handling my harassment case . They got the robocalls to stop when I was unable to get my number taken off the company’s list on my own. I highly recommend this law firm to anyone having an issue with pushy bill collectors harassing you”
“Was getting harassed by phone calls. Looked for an attorney that could help online and found Lemberg Law. They took care of everything and kept in contact with me just the right amount. Never expected anything would come of it but they did all the work and it relieved a lot of stress in my life!”
“Lemberg Law was a great choice. They really helped me with my situation. They were very professional and answered any questions I had and responded to my calls and emails. I would definitely use them again and recommend them to others.”
Can You Help Me Stop Ally Bank Harassment?
Yes, chances are we can. Call us to today and we’ll tell you how we can help.
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