Ally

Creditors like Ally cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all.

THE BEST PART IS…

If Bank violated the law, you may be entitled to money damages and Bank will pay our fees and costs. You won’t owe us a dime for our services. Plus, some of our clients also receive debt relief and cleaned-up credit reports. You have nothing to lose! Call us today at 888-572-0176 for a free consultation.

Who is Ally?

Bank is a direct banking subsidiary of Financial, a major financial service agency headquartered in Detroit, Michigan. Bank was established in 2001, while Financial was founded in 1984, and neither is accredited by the Better Business Bureau (BBB).

Ally’s Address, Phone Number, and Contact Information

Ally’s P.O. Box is: P.O. Box 951, Horsham, PA 19044. The main telephone number is 877-247-2559 and the main website is www.ally.com/.

Phone Numbers Used by Ally

Like many creditors, Ally may use many different phone numbers to contact debtors. For an advanced search, visit www.agrussconsumerlaw.com/ and click “Number Search” in the “Lookup” dropdown menu. Here are additional number Bank may be calling you from:

Ally Lawsuits

If you want to know just how unhappy consumers are with Ally, take a look at the number of lawsuits filed against the agency on the Public Access to Court Electronic Records (“PACER”). PACER lists more than 5,400 lawsuits involving Bank throughout the United States, and there are also likely hundreds of claims filed through the American Arbitration Association. Nowadays, most credit card companies have arbitration clauses, which mean that if you have a complaint with a credit card company, you must file your claim in arbitration. Arbitration limits discovery, is not public, has a limited appellate process, and, most importantly, is funded primarily by the banks and big businesses. While it can be difficult to get a fair chance in arbitration, but the good news is we have filed hundreds of credit harassment cases in arbitration, and we know how to aggressively fight these cases against the big banks and businesses even when arbitration is necessary.

Ally Complaints

The Telephone Consumer Protection Act (TCPA) protects you from robocalls, which are those annoying, automated, recorded calls that computers make all day long. You can tell it’s a robocall because either no one responds on the other end of the line, or there is a delay when you pick up the phone before a live person responds. You can receive $500 per call if Bank violates the TCPA. Have you received a message from this agency that sounds pre-recorded or cut-off at the beginning or end? These are tell-tale signs that the message is pre-recorded, and if you have these messages on your cell phone, you may have a TCPA case against the agency.

The Electronic Fund Transfer Act (EFTA) protects electronic payments that are deducted from bank accounts. If Bank took unauthorized deductions from your bank account, you may have an EFTA claim against the agency. Bank, like most collection agencies, wants to set up recurring payments from consumers; imagine how much money it can earn if hundreds, even thousands, of consumers electronically pay them $50 - $100 or more per month. If you agreed to this type of reoccurring payment, the agency must follow certain steps to comply with the EFTA. Did Bank continue to take electronic payments after you told them to stop? Did they take more money from your checking account than you agreed to?  If so, we can discuss your rights and potential case under the EFTA.

The Fair Credit Reporting Act (FCRA) works to ensure that no information reported to your credit report is false. In essence, it gives you the right to dispute those inaccuracies that you find on your credit report. We’ve handled many cases in which a debt collection agency reported debt on a consumer’s credit report to obtain leverage over the consumer. If Bank is on your credit report, they may tell you that they’ll remove the debt from your credit report if you pay it; this is commonly known as “pay for delete.” If the original creditor is on your report rather than the debt collector, and you pay off the debt, both entities should accurately report this on your credit report.

Several states also have laws to provide its citizens an additional layer of protection. For example, if you live in California, Florida, Michigan, Montana, North Carolina, Pennsylvania, Texas, or Wisconsin, you may be able to add a state-law claim to your federal law claim above.  North Carolina, for example, has one of the most consumer-friendly statutes in the country: if you live in NC and are harassed over a debt, you may receive $500 - $4,000 in damages per violation. We work with a local counsel in NC and our NC clients have received some great results in debt collection harassment cases. If you live in North Carolina and are being harassed by a debt collector, you have leverage to obtain a great settlement.

How do we Use the Law to Help You?

We will use state and federal laws to immediately stop Ally’s debt collection. We will send a cease-and-desist letter to stop the harassment today, and if Bank violates the FDCPA, EFTA, FCRA, or any state law, you may be entitled to money damages. For example, under the FDCPA, you may receive up to $1,000 in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorneys’ fees and costs. If you have a TCPA case against the agency, we will handle it based on a contingency fee and you won’t pay us a dime unless you win.

THAT’S NOT ALL…

We have helped thousands of consumers stop phone calls.  We know how to stop the harassment and get you money damages. Once again: you will not pay us a dime for our services. We will help you based on a fee-shift provision and/or contingency fee, and the debt collector will pay your attorneys’ fees and costs.

What if Ally is on My Credit Report?

Based on our experience, some debt collectors may credit-report, which means one may mark your credit report with the debt they are trying to collect. In addition to or instead of the debt collector, the original creditor may also be on your credit report in a separate entry, and it’s important to properly identify these entities because you will want both to update your credit report if or when you pay off the debt.

THE GOOD NEWS IS…

If Ally is on your credit report, we can help you dispute it. Mistakes on your credit report can be very costly: along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or even being a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute it, and my office will help you obtain your credit report and dispute any inaccurate information.

REMEMBER…

If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000, and the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision, which means the credit reporting agency will pay your attorneys’ fees and costs. You won’t owe us a dime for our services. We have helped hundreds of consumers fix inaccurate information on their credit reports, and we’re ready to help you, too.

Cases We’ve Handled Against Ally

I think you’ll agree when we say that threats and harassment from collection agencies can be pretty intimidating. However, we can stop the harassment and get you money damages under the law, and the collection agency will pay your attorneys’ fees and costs. Here is one case we’ve handled against Bank:

  1. Rochelle W. v. Ally – In November 2015, Rochelle of Beaver County, Pennsylvania, filed a claim against Bank for violations of the Telephone Consumer Protection Act (TCPA). Complaints consisted of harassing phone calls, including robocalls to the plaintiff’s cell phone.

What Our Clients Say About Us

Agruss Law Firm, LLC, has over 900 outstanding client reviews through Yotpo, an A+ BBB rating, and over 125 five-star reviews on Google. Here’s what some of our clients have to say about us:

“Michael Agruss handled two settlements for me with great results and he handled them quickly. He also settled my sister’s case quickly and now her debt is clear. I highly recommend Michael.”

“Agruss Law Firm was very helpful, they helped me solved my case regarding the unwanted calls. I would highly recommend them. Thank you very much Mike Agruss!

“Agruss Law Firm was very helpful to me and my veteran father! We were harassed daily and even called names for a loan that was worthless! Agruss stepped in and not only did they stop harassing, they stopped calling all together!! He even settled it so I was paid back for the problems they caused!”

Can Ally Sue Me?

Yes, Bank can sue you. Bank can hire a lawyer to file a breach of contract lawsuit against you for the underlying debt, fees, and costs. If you’ve been sued by Bank, do not ignore the lawsuit; you may have defenses. If you ignore the lawsuit, default will be entered and the agency may seek to garnish your wages. If you receive notice of a lawsuit, contact an experienced attorney as soon as possible, even if you intend to represent yourself pro se. If Bank has threatened to sue you, contact Agruss Law Firm as soon as possible; we’re here to help.

Can Ally Garnish My Wages?

Yes, if Bank has a judgment entered against you. If Bank is currently garnishing your wages or threatening to do so, contact our office as soon as possible.

Ally Settlement

If you want to settle a debt with Bank, ask yourself these questions first:

  1. Do I really owe this debt?
  2. Is this debt within the statute of limitations?
  3. Is this debt on my credit report?
  4. If I pay this debt, will Bank remove it from my credit report?
  5. If I pay this debt, will the third-party debt collector remove it from my credit report?
  6. If I pay this debt, will I receive written confirmation from Bank confirming the payment and settlement terms?

These are not the only things to consider when dealing with debt collectors. We are here to help you answer the questions above, and much more. Whether it’s harassment, settlement, pay-for-delete, or any other legal issue with Bank, we at Agruss Law Firm are here to help you.

Top Debt Collection Violations

Debt collection laws provided a laundry list of what collectors can and cannot do while collecting a debt.  Based on our years of experience handling thousands of debt collection harassment cases, here’s what collection agencies most often to do to violate the law.

  1. Called you about a debt you do not owe.
  2. Called you at work after you told them you cannot receive calls at work.
  3. Left you a message without identifying the company’s name.
  4. Left you a message without disclosing that the call is from a debt collector.
  5. Called third parties (family, friends, coworkers, or neighbors) even though the collection agency knows your contact information.
  6. Disclosed to a third party (family, friends, coworkers, or neighbors) that you owe a debt.
  7. Contacted you after you said stop calling.
  8. Threatened you with legal action (such as a lawsuit or wage garnishment).
  9. Called you before 8:00 AM or after 9:00 PM.
  10. Continued to call you after you have told the collector you cannot pay the debt.
  11. Communicated (phone or letter) with you after you filed for bankruptcy.
  12. Failed to mark the debt on your credit report as disputed after you disputed the debt.

Frequently Asked Questions

  1. Do I have to pay your fees and costs for helping me with my consumer rights case?  No.  We handle consumer rights cases based on a fee-shift provision and/or a contingency fee.  That means, either the other side pays your fees and costs, or we take a percentage of your recovery.  Whether it’s a fee-shift case or a contingency-fee case, we don’t get paid unless you get paid, and you’ll never owe us a penny for our time.
  2. What are the damages under the Telephone Consumer Protection Act? You can get $500 per robocall, or $1,500 per robocall if the robocalls were willful.  In any type of settlement, often times Defendants pay much less than $500 per call. However, if there are 50 calls at issue, even at $250 per call, your case could settle for $12,500.00.
  3. Are there state laws that protect me from original creditors? Yes!  Several states also have laws that provide its citizens an additional layer of protection.  For example, if you live in California, Connecticut, Florida, Kansas, Massachusetts, Michigan, Missouri, Montana, North Carolina, Nevada, Oklahoma, Pennsylvania, Texas, and Wisconsin, you have additional state-law rights.
  4. What type of debt is covered under state laws that protect me from original creditors? Only consumer debt, such as personal, family, and household debts.  For example, money you owe on a personal credit card, an auto loan, a medical bill, or a utility bill.  State laws usually do not cover debts you incurred to run a business, or debts regarding unpaid taxes, or traffic tickets.
  5. Does the Fair Debt Collection Practices Act apply to banks or credit card companies?  No.  Only third-party debt collectors are bound by the FDCPA.  That is, original creditors, such as credit card companies and banks are not bound by the FDCPA.
  6. Are mistakes on credit reports common?  Yes!  Are you one of the 40 million Americans that have a mistake on their credit report?  Mistakes on your credit report can be very costly. Along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes.  Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or maybe you were a victim of identity theft.
  7. What do I do if I have a mistake on my credit report?  If you have a mistake on your credit report, there is a process to dispute them.  My office will help you pull your credit report and dispute any inaccurate information.  If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (“FCRA”), you may be entitled to statutory damages up to $1,000.00, plus the credit reporting agency will be required to fix the error.  The FCRA also has a fee-shift provision. This means, the credit reporting agency pays your attorney’s fees and costs. Therefore, you will not pay me a penny for my time. To speed up the process, please get a free copy of your credit report at www.annualcreditreport.com.   You can also learn more about the FCRA and your rights at /practices/common-credit-report-errors/.

Share Your Complaints Against Ally Below

We encourage you to post your complaints about Bank. Sharing your complaints against this agency can help other consumers understand what to do when this company starts calling. Sharing your experience may help someone else!

HERE’S THE DEAL!

If you are being harassed by Bank over a debt, you may be entitled to money damages – up to $1,000 for harassment, and $500 - $1,500 for illegal robocalls. Under state and federal laws, we will help you based on a fee-shift provision and/or contingency fee, which means the debt-collector pays your attorneys’ fees and costs. You won’t owe us a dime for our services. We have settled thousands of debt collection harassment cases, and we’re prepared to help you, too. Contact Agruss Law Firm at 888-572-0176 to stop the harassment once and for all.

See all of the phone numbers that Ally Bank may be calling from.

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Complaints & Comments

Not sure you can assist, as I am a NY resident. I had an ALLY lease which ended more than 3 1/4-4 years ago. I did not re-lease thru the same dealer I had the car lease with. They may a claim for all sorts of things including body damage. It was just nonsense, as I even brought the car in t have a dent repaired befored I returned it. They served me with a claim for 2,000+ in damages. They waited to assure documentation was lost or difficult to prove. Meanwhile, I returned the car to another GM deler which gave me a report noting no damage. What a fraud this is!

can ally .com auto call youre mother tell her how much past due and demand her to pay bill she don't live with me!

been calling my mother telling her how much past due on account ally.com car loan have been told not to call her number other day called asked to pay past due amount my mother does not live with me I don't think ally should tell any body business to somebody else.

I'm making my payments to alli finance and they keep calling and harassing me even when I'm at work. When they called me at work, I was told that I could lose my job the next time!

Hi I'm having a lot of trouble with ally financial Me and my mother keep getting harassing phone calls from them an investigator even yelled at her!

Ally Financial has been harassing me around the clock about a past due amount on my auto loan account. I got behind, and have been doing everything possible to get caught up with them. I have a small amount still past due, but it is not even 30 days past due. But they have wiped my car and any info on my car including my payment option off of my online account & refuse to grant me access to my account. Then to top it off, they are trying to force me into making my next 6 months of payments through Wester Union, which will cause me to have to pay a $47 money transfer fee each time a payment is made. They are just harassing me & making it as difficult as possible to get my payments made. I have been so stressed out by this whole ordeal it is literally making me sick and I"m not sleeping very well.

Ally harrasment I have auto loan that has been late! But never over 30 days late, they start calling at 2days and call 10-15 times every day, and continue even after I make online payment I called them and told them no more calls period and they say they will repo my vehicle if I'm late again!

I have a company I owe for a early terminated lease. I have told them what I can pay. They have called and sent emails threatening me. It's not a debt collector, would anything be able to be done with a leasing company? I also have constant calls from the company I pay a car note too. They call all day from different numbers about the past due amounts.

WE do not have any Ally accounts; however, we continue to be harassed by Ally because my husband's nephew and his wife apparently have a collection against them, and apparently Ally either thinks we are a co-signer, or they see us as related in their search efforts. I have told ALLY to STOP calling our number at least 5 times now, and have even given them the nephew's father's telephone number (who is my husband's brother). I want compensation for being harassed like this. I'm ready to get my phone company to send me records of all incoming calls and my dates and times that I have called them, have Ally subpoenaed for all my recorded calls and find a plaintiff's firm to go after them. I formerly worked at Lieff Cabraser Heimann & Bernstein, so I have some familiarity with how this works.

I might be held reliable for the full amount of my car because my car was repossessed. I was never notified that my car was out for reposession. Ally financial had many different collection agencies pursue me for the amount I owed. I received calls, email's, and mail from the collections agencies to pay the amount I owed. I paid the amount I owed so I can be current on my payments and a little extra so it can be put towards my next payment. I thought all was well then the same day my car was repossessed. I had call Ally tell them why are they taking my car if I had my account current like they wanted and they said there was nothing they could do that once they issued the car for repo it was a done proccess. So they took my money and my vehicle. Now they might hold me reliable to pay the whole amount of the car and towing and storage fees.

Ally auto loan was paid in full in Aden. 2015. I have the title as well as a paid in full letter. Ally calls me daily trying to collect unpaid fees. Will not except the paid in full letter they provided me.