Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
IC3 Logo Internet Crime Complaint Center ( IC3 ) File A Complaint Public Info Industry Info Cyber Private Sector Crime Info Search Search Print You Have Successfully Submitted Your Complaint Thank You For Taking Action For Yourself and Others Please save or print a copy of your report before closing this window or navigating away from this page. This is the only time you will be able to retain a copy of your complaint we will not email or send an electronic version of this file.

Due to the volume of complaints received, the FBI is unable to respond to every complaint. Please be assured that your complaint will be reviewed, and you will be contacted if additional information is needed. 

Unless you have additional subjects or financial transaction to report, you do not need to submit an additional complaint. 

Please consider doing the following : Contact your bank, financial institutions, and credit card companies to safeguard your accounts. 

If wire transfers were sent, request a recall and a hold harmless letter from your financial institutions. 
If a XXXX XXXX was used to send funds, contact the customer service email on the cryptocurrency company 's website as some companies may refund processing fees with proof of fraud. 
Safeguard your credit by contacting the three major credit bureaus.

XX/XX/XXXXXXXX ( XXXX ) XXXXXX/XX/XXXX XX/XX/XXXXContact your local authorities and file a report.

Please tell them you filed a report with the IC3. 

If you believe your identity was stolen, file a report at XXXX. 

What happens next? 
The FBI will review your complaint, however due to the number of complaints we receive each year, we can not respond to every submission. The information you have provided enables the FBI to investigate reported crimes, track trends, and in some cases even freeze stolen funds. Thank you for taking action for yourself and others. 

Learn More Staying Safe Online Practicing online safety is essential to protecting yourself. Learn online safety skills through the FBI Safe Online Surfing program.

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Consumer Alerts Review alerts regularly published by the FBI to be aware of the latest internet-based crimes.

More Resources Find more resources to recover from and prevent future cyber-enabled crime. 

IC3 Logo Your IC3 Complaint Submission ID : XXXX Date Filed : XX/XX/XXXX XXXX XX/XX/XXXXEST Were you the one affected in this incident? 
Yes Your Contact Information Name : XXXX XXXX Phone Number : XXXX Email Address : XXXX Complainant Information Name : XXXX XXXX XXXX : XXXX - XXXX Address : XXXX XXXX XXXX XXXX : XXXX Country : United States of America State : Michigan Zip Code/Route : XXXX Phone Number : XXXX Email Address : XXXX Business Information Is this on behalf of a business that was targeted by a Cyber incident? 
No Financial Transaction ( s ) Did you send or lose money in the incident?

No Transaction Type : Other If other, please specify : Ally Financial ruined my credit Was the money sent or lost? 
No Transaction Amount : XXXX Transaction Date : XX/XX/XXXX Did you contact your bank, financial institution, or cryptocurrency exchange? 
No Originating Bank Name : Ally Financial Inc Description of Incident Provide a description of the incident and how you ( or those you are filling this out on behalf of ) were victimized. Provide information not captured elsewhere in this complaint form : Hello, My name is XXXX XXXX, and I am a law abiding citizen. I am a Father of XXXX beautiful girls, and I have been married to my wife XXXX XXXX for nine years. We both work full time. I leased my dream vehicle which was a XXXX XXXX XXXX back in XXXX XX/XX/XXXXwhich I was supposed to purchase after the lease ended which was going to be around XXXX. I had problems with the vehicle immediately. I even got stuck on the road nearly 3 times. One time a XXXX XXXX XXXX had to get me off the road because I nearly got struck by a bus. They had to replace the engine, I dealt with numerous service issues and phone calls to XXXX to come to an agreement to finally get out of this lease because the vehicle was shot. I spent hours and hours working on getting out of this vehicle because it is not operable and not safe for my family. XXXX decided to send me {$3000.00} and offer me a XXXX discount on my next vehicle to help offset all these issues. A XXXX discount is pretty much an employee discount. So I stayed loyal to the brand, I leased another vehicle, I had to roll in {$6000.00} into my new lease to pay off the full lease payments for the XXXX XXXX that was a lemon, and a defective vehicle. I didn't have time to go through lemon law process, my wife and I both work full time. We already spent hours and hours and days dealing with this vehicle that was not safe. After I returned the vehicle.... ALLY decided to charge me {$740.00} dollars for wear and tear issues including tire replacements. I immediately called Ally, which is nearly impossible to get a hold of. They told me numerous times that I had until XX/XX/XXXXto pay this balance because I paid {$6000.00} in advance, and they would not report anything on my credit. I couldn't even believe I had to end up paying {$740.00} for this vehicle. I kept trying to fight it, no one would help. Last month Ally sent me to collections to a non reporting agency, I paid it immediately because I was so fed up. The agency told me nothing will be reported on your credit report because they are a non reporting credit agency. Two weeks ago Ally took my score down nearly XXXX points and marked this as a charge off, and a non payment. I can not believe this. Please have someone call me XXXX. I have contacted the FBI, and they instructed me to go to the local authorities. I have attached all documents to this email chain. 1. Ally contract. 2. Payments showing on time. 3. Documents showing lease paid in full. 4. Documents showing all the service records which show everything. 5. Documents showing Ally ruined my credit. 6. Document showing I had to sign an agreement not to go after XX/XX/XXXXbut I was forced to sign this, I had no choice. 
Other Information Is this an update to a previously filed complaint? 
No Privacy & Signature : The collection of information on this form is authorized by one or more of the following statutes : 18 U.S.C. 1028 ( false documents and identity theft ) ; 1028A ( aggravated identity theft ) ; 18 U.S.C. 1029 ( credit card fraud ) ; 18 U.S.C. 1030 ( computer fraud ) ; 18 U.S.C. 1343 ( wire fraud ) ; 18 U.S.C 2318B ( counterfeit and illicit labels ) ; 18 U.S.C. 2319 ( violation of intellectual property rights ) ; 28 U.S.C. 533 ( FBI authorized to investigate violations of federal law for which it has primary investigative jurisdiction ) ; and 28 U.S.C. 534 ( FBI authorized to collect and maintain identification, criminal information, crime, and other records ).

The collection of this information is relevant and necessary to document and investigate complaints of Internet-related crime. Submission of the information requested is voluntary ; however, your failure to supply requested information may impede or preclude the investigation of your complaint by law enforcement agencies.

The information collected is maintained in one or more of the following Privacy Act Systems of Records : the FBI Central Records System, XXXX, notice of which was published in the Federal RegisterXX/XX/XXXX. XXXX ( XXXX XXXX, XXXX ) ; the FBI Data Warehouse System, XXXX, notice of which was published in the Federal RegisterXX/XX/XXXXXX/XX/XXXX ). Descriptions of these systems may also be found at www.justice.gov/XX/XX/XXXX FBI. The information collected may be disclosed in accordance with the routine uses referenced in those notices or as otherwise permitted by law. For example, in accordance with those routine uses, in certain circumstances, the FBI may disclose information from your complaint to appropriate criminal, civil, or regulatory law enforcement authorities ( whether federal, state, local, territorial, tribal, foreign, or international ). Information also may be disclosed as a routine use to an organization or individual in both the public or private sector if deemed necessary to elicit information or cooperation from the recipient for use by the FBI in the performance of an authorized activity. " An example would be where the activities of an individual are disclosed to a member of the public in order to elicit his/her assistance in [ FBI 's ] apprehension or detection efforts. '' XXXXXX/XX/XXXXXXXX ( XX/XX/XXXX ). 

By typing my name below, I understand and agree that this form of electronic signature has the same legal force and effect as a manual signature. I affirm that the information I provided is true and accurate to the best of my knowledge. I understand that providing false information could make me subject to fine, imprisonment, or both. ( Title XXXX, XXXX, Section XXXX ) Digital Signature : XXXX XXXX Return to top

Company response to consumer: Closed with explanation