BANK
HIGHER RATE THAN 83% OF SCORED PEERS
Complaint rate · per 1,000 est. customersscale 0–10
Median of 36 scored 0.52 · Lowest in dataset 0.09
A higher federal complaint rate per customer than 83% of scored peers.
Methodological confidence: HIGH · n=17,062 complaints over 14 years
Complaint rate
1.10
per 1,000 estimated customers
Resolved with relief
17%
received monetary or non-monetary relief
Daily volume
3.5
complaints per day · 2011–2026 average
2.1× the median of the 36 scored institutions; higher rate than 83.30% of scored institutions.
In the Evidence Pack
·Full issue & sub-issue breakdown, with counts
·24-month complaint-rate trajectory
·A worsening pattern exists (directional)
·Hash-verified provenance on file
Where complaints concentrate · top 3 product categories
Auto loans
0.39/1k
5,986
Checking & savings
0.27/1k
4,166
Debt collection
0.16/1k
2,446
5 nearest rates in scored dataset
0.83/1k
0.93/1k
1.00/1k
1.10/1k
1.13/1k
Federal data sources
Independent analysis · not affiliated with any government agency
WHAT THIS MEANS FOR YOU
ALLY FINANCIAL INC. has a significantly above-average complaint rate.
A rate of 1.10 complaints per 1,000 estimated customers places this institution well above the median of the 36 scored institutions. The 17,062 federal complaints on file represent only those consumers who took the step of filing officially — the full picture of dissatisfaction is likely much larger. This institution has also faced formal regulatory enforcement, indicating that problems have been flagged at the agency level as well as by individual customers.
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Review the specific complaint categories below to understand what issues are most common before making a decision about this institution.
Most common words in federal complaints about ALLY FINANCIAL INC.
paymentsnevermodificationlenderbecauseservicerpropertypayescrowrequested
Extracted from 104 consumer complaint narratives · CFPB database
FULL RECORD
Complaint Profile
Rate / 1,000 est. customers1.10/1k
Total complaints (2011–2026)17,062
Year-on-year trendWorsening
Timely response rate100.0%
Complaint rate normalised per 1,000 estimated customers.
Financial Health Indicators
Net charge-off rate1.27%↑ watch level
Tier 1 capital ratio12.5%✓ adequate buffer
Loan loss reserve ratio2.53%
FDIC Call Report data · Q4 2025. NCO rate = loans written off as unrecoverable. Tier 1 = core capital buffer against losses (regulatory minimum ≈ 10%).
DFAST stress test (Fed)7.1% CET1 stressed
HMDA Mortgage Fair Lending · 2023
Mortgage denial rate11.6%
Mortgage denial rate detailNot reportedPer-race denial rates not currently reported pending independent verification of per-race application data.
Based on 2,788 mortgage applications · FFIEC HMDA 2023
Regulatory Enforcement Record
OCC (Office of the Comptroller)Federal ReserveCFPB (Consumer Financial)FinCEN (Anti-money laundering)FDIC (Federal Deposit Insurance)FTC (Federal Trade Commission)
Dot colour reflects the most recent enforcement record on file at each agency. Each row links to that regulator’s source explainer.
Top Complaint Issues
The full issue and sub-issue breakdown for ALLY FINANCIAL INC., with per-issue complaint counts, is included in the Evidence Pack.
Request the Evidence Pack →Methodological notes
Subject to annual DFAST stress testing by the Federal Reserve (applies to largest US banks)
Federal litigation on record via CourtListener/PACER
Institution Status
Enforcement
Financial Health
Fair Lending
Computed Signals
Data from CFPB, OCC, Federal Reserve, FDIC, FinCEN, DOJ, FHFA, HUD, US Treasury, FFIEC and FTC public records. Complaint rates normalised per 1,000 estimated customers. Not financial advice. Methodology › · Privacy ›