CFPB Consumer Complaint Profile
Ally Financial Inc.
Consumers have filed 27,467 complaints with the CFPB against this company, a record that maps out how disputes over credit, billing and collections tend to unfold.
Data updated 2026-08-14
- 27,467
- Total complaints
- Among the highest
- 5,723
- Last 12 months
- 100%
- Timely response
- Top decile
- 56
- States affected
The verdict
Out of 3,843 financial companies in the CFPB database, Ally Financial Inc. has accumulated 27,467 complaints, placing it #28 by volume. On-time replies land at 100%, the 86th percentile for the 100+ complaint peer group.
- #28
- of 3,843 companies by volume
- 100%
- on time (86th pctile)
- Vehicle loan or lease
- most-complained product
- 56
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
Ally Financial Inc. vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
100% Top 14% higher than 86% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 4,281 in 2024 to 5,553 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
Complaints by Year
| Year | Complaints |
|---|---|
| 2012 | 224 |
| 2013 | 360 |
| 2014 | 642 |
| 2015 | 802 |
| 2016 | 923 |
| 2017 | 1,111 |
| 2018 | 1,119 |
| 2019 | 1,081 |
| 2020 | 1,621 |
| 2021 | 2,232 |
| 2022 | 2,714 |
| 2023 | 3,351 |
| 2024 | 4,281 |
| 2025 | 5,553 |
| 2026year in progress | 1,453 |
Complaints by State (Top 15)
Company Responses
Ally Financial Inc. Complaint Concentration Profile
Ally Financial Inc. is a high-volume CFPB cohort (27,467 complaints) - enough filings to measure how concentrated the product and issue mix is, not just the headline totals. Across 82 named product lines in the stored breakdown, the leading three (Vehicle loan or lease, Credit reporting or other personal consumer reports, Credit reporting, credit repair services, or other personal consumer reports) hold a 56.3% share of product-tagged complaints. The Herfindahl index on that product mix is 0.125 (1.0 = a single product owns every tagged complaint; lower = a broader book).
On the issue side, 15 named issues appear in the top list; the leading three (Improper use of your report, Incorrect information on your report, Managing the loan or lease) cover a 54.2% share of those mentions. That multi-issue footprint is the profile thin-volume companies cannot show - their pages stop at a short bar list because the sample cannot support a concentration read.
Geography tells a similar story: the top three states (Florida, Texas, California) hold a 30.4% share of state-tagged volume across 56 jurisdictions on file. A concentrated state trio can hint at regional servicing stress; a flatter map usually tracks a nationwide book.
Among coded company responses, "Closed with explanation" leads at a 85.8% share among the 27,467 response-tagged complaints (23,578 filings). Read that mix next to the timely-response and relief rates above - both describe process outcomes, not a finding of wrongdoing.
Peak filing year was 2025 (5,553 complaints); the lightest year on file was 2012 (224). From 2024 to 2025, annual volume rose 29.7% (4,281 → 5,553). Year-to-year swings at this volume usually track product launches, servicing changes, and consumer awareness more than a single-event spike.
What the CFPB Complaint Record Shows for Ally Financial Inc.
The CFPB Consumer Complaint Database has logged 27,467 complaints against Ally Financial Inc. overall, with 5,723 of those filed in the trailing 12 months. Reports have come from consumers in 56 states and territories, making this a nationwide complaint footprint. "Vehicle loan or lease" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Improper use of your report" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.
Within the Bureau's 15-day response window, Ally Financial Inc. posts a 100% reply rate on forwarded complaints. That figure is at or above the industry benchmark and suggests the company's intake and escalation processes are functioning as designed. The company's response carried a 16.7% formal-dispute rate on resolved cases, indicating how frequently the initial fix fell short. Among resolved complaints, the consumer-relief closure rate is 12.4%.
How to read complaint counts
Complaint counts alone do not tell the full story: larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.
Frequently Asked Questions
How many CFPB complaints does Ally Financial Inc. have?
The CFPB has logged 27,467 complaints against Ally Financial Inc. to date, of which 5,723 came in over the last 12 months.
Does Ally Financial Inc. respond to complaints on time?
Ally Financial Inc.'s CFPB timely-response rate is 100%. That is a strong response record by CFPB standards.
What product generates the most complaints for Ally Financial Inc.?
The most complained-about product for Ally Financial Inc. is "Vehicle loan or lease." You can view the full product breakdown on this page.
What is the most common complaint issue with Ally Financial Inc.?
"Improper use of your report" is the single most frequently cited issue in complaints against Ally Financial Inc. - see all issues and counts above.
How do I file a complaint against Ally Financial Inc.?
You can file a complaint against Ally Financial Inc. directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.
In how many states have consumers complained about Ally Financial Inc.?
The CFPB has recorded complaints against Ally Financial Inc. from 56 separate states and territories, including jurisdictions beyond the 52 with a dedicated state page here - Guam, the U.S. Virgin Islands, and APO/FPO military postal codes among them.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for Ally Financial Inc.: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar complaint volume
Nearest companies by total CFPB complaint count (27,467 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (16.7% here).
Also handles Vehicle loan or lease
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.