BANK
HIGHER RATE THAN 82% OF SCORED PEERS
Complaint rate · per 1,000 customersscale 0–10
Sector median 0.48 · Lowest in dataset 0.09
A higher federal complaint rate per customer than 82% of scored peers.
Methodological confidence: HIGH · n=17,062 complaints over 14 years
Customer ratio
1 in 859
customers filed a federal complaint
Resolved with relief
17%
received monetary or non-monetary relief
Daily volume
3.5
complaints per day · 2011–2025 average
12.9× the rate of FIRST CITIZENS BANCSHARES, INC. (lowest); 2.3× the sector median; higher rate than 82.69% of scored institutions.
24-month trajectory · monthly complaint rate
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.
1.10 complaints per 1,000 customers is 3.7× higher than institutions with the best track records. 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 customers1.10/1k
Total complaints (2011–2025)17,062
Year-on-year change+30%worsening
Timely response rate100.0%
Complaint rate normalised per 1,000 estimated customers. National median ≈ 0.30/1k.
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%
Denial rate by raceNot reportedInsufficient verified sample
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
18%
16%
12%
Breakdown of complaint issues filed with the CFPB by customers of this institution.
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 ›