Ally Bank Reviews

Ally terminated both of my accounts because I set up a transfer from my company's Wells Fargo business account — a company I own, on an account where I am the sole authorized signer. No one asked a single question before deciding; I got a verbal notice, suspended transfer access by email, and $1,440 of my money held with "no timeframe" for its return and nothing in writing. If you're a small-business owner planning to receive your own owner's draw at Ally, know that their fraud system may read your paycheck as a crime and their remedy is termination without conversation.

Went to deposit a check from an old liquidated 401k in an emergency, and they said it was on a confidential hold for 5 business days. I paid $25 for expedited shipping of the check to my address. I closed my accounts out of principle after being a customer for 17 years.

Well I can get ahold of customer service but I get flat out lied to. Ask why my Zelle won't go immediately. They blamed Zelle. It is the bank doing it. I confirmed with Zell. I cannot pay workers around my house that don't take check card or Venmo. I have quite a large some of money with them and they put holds on $300 checks. All other banks do this based on your average deposits and only larger checks that are above average and close to average deposits get put on hold. Just consolidated everything but time to look again.

So far, so good. I just bought a vehicle at a dealership yesterday and partly financed it through Ally Bank. The car is a 2024 used car that is the same make as the car I am replacing. The funding was same-day and terms were clear. I asked a friend who works in lending at a competing major bank what he knew about Ally Bank. He said it was formerly GM Financing. I have been reading up and feel more comfortable with the Motor City affiliation than a free-wheeling internet bank because an internet-only based business seems less invested in the local community than a brick-and-mortar bank. General Motors should be an American business that thrives and this is how they are navigating customers' current purchasing behavior. If interest rates drop, I may refinance the loan. If I like my experience with Ally Bank, I will check their rates first.

I can't even explain how bad it is. I used to love them as a bank back in 2010. Today, attempting to remove authorization from a vendor on my account, I had one agent waste an hour of my time to simply put me on hold until I hung up. Next, I got screamed at by an old woman who said such an action is impossible. Both refused to escalate to a new agent in attempt to see if it was a communication error. They both refused to terminate the call, so I couldn't leave a after-call review. Once someone found a "workaround" to do it, they initially wanted to charge me 15$ for the "service". I spent a total of 3 hours, and I'm torn on filing a complaint or just finding a new bank. A bank that doesn't know how to do bank things is a scary place to store your money.

In my last review, I gave it 2 stars, but the more I think about it, and reading the other reviews, I think I will redact that past review and give it 1 star. I have only 2 savings accounts in the bank, but today, with all the BS that's on the web about how bad things are, I want to close my accounts... but I literally could not get signed on to the bank. I clicked on everything but nothing worked. As a retired bank senior officer, this scares the hell out of me! If I want my money, I want it NOW! Not when the system comes back up...fix the friggin' system and be a good, honest bank. However, from the other reviews, I think that's probably never gonna happen.

Read their rules. They can freeze your account, lock you out for just about any reason for any length of time with no explanation. Impossible to speak with anyone in customer service who knows what they are doing. Be prepared to spend 45 to 60 minutes on hold and most times they never get back to you. Can't get a supervisor, stay away from this bank. The worst experience I've ever had, now I need legal council to get access to my money.

I was quite happy with Ally for many years and then, without explanation, the bank closed my accounts. I had no access to checking or savings, even though I used Ally services for investing as well. The bank refused to offer an explanation. Establishing a new bill pay service and investment program is time consuming and difficult. If continuity and reliability are important to you, do not use this "bank". Sorry to say it, but with a brick and mortar institution, you have access to staff and conversation.

ABSOLUTELY BUNCH OF UNPROFESSIONAL **!! So I have verbally INSTRUCTED to close the dispute so the funds would be deposited and reflected on the account like a week ago. Today I am finding out the dispute HAS NOT BEEN CLOSED!!!! And the ONLY PATHETIC CRAP they are able to say is ".... Sorry for your frustration...." Absolutely disappointed!!! I am going to move my money out!!!

Watch out. Ally bank will send you a form 5498 (for RMD) showing a year end balance which is different (higher) than the statement account balance at year end closing. One cannot calculate their RMD in order to take an early RMD with the way they calculate the account balance shown on their form 5498, which is not sent until May or June.. They are different than every other bank or credit union in their vague reporting. Place your IRA’s elsewhere…

Your overseas associates are rude and don't understand how speak good English. I couldn't understand her and she couldn't understand what I was saying. I had to end the call.

Horrible. I will never do business with this bank again. The car they financed was so horrible. The repairs were just as costly as the loan payments, and those were already way too high at $490/month for a Chevy Trax. When asking them about financial hardship options, they actually suggested paying $2000/month instead of $490 to pay it off faster. RightWay and Ally are crooks working together. I will never go to either and will warn everyone I know to stay away.

Very disappointing experience with this bank. Customer service was slow, unhelpful, unqualified and I kept getting transferred without any real solution. I expected much better communication and professionalism.” This company Ally Bank has to be the worst company I have ever dealt with, such an unprofessional and ineffective financial company. I am 62 years old and this is by far the worst and most incompetent company; I spent 3 weeks trying to get an issue straightened out with them and they made it so difficult for me. I cannot fathom how a company lacks so much knowledge on somebody’s account when we are dealing with a financial institution. Every time I called to inquire about my account nobody had a clue and I would be put on hold several times. One person told me I had to go to the motor vehicle dept to change my title back into their name and I did so only for the next person to tell me I had to put it into the new finance company’s name.

Hard to understand, not good English speaking to me...

04/25/26 | moa Verified Account Owner. Ally Bank makes offers they do not honor. It is impossible to reach a customer service representative with any authority. The supervisor calls back; she doesn't have any power either. Emails go unanswered for weeks, and then when a reply comes, you get a cryptic email, "We've been trying to reach you." Of course, they haven't, so you have to go through the whole cycle of phone calls again to figure out what they're up to. Then it is obvious that nobody even read the email you wrote; but you have to call to get some boilerplate reply read to you. Stay away unless you wish to be treated like the insignificant insect that they view you to be.

I've been with Ally for 10 years. At least four times a year there is a major problem with their business processes. Correcting their inadequacies is typically a 3-4 week process because they seem to have robots replying to email. They are very good as copying and pasting information that has nothing to do with my inquiry, causing me to have to follow-up again and again and again. The last two instances they've taken no responsibility for. They were to autopay my payee. They did not. They said I didn't have autopay set up. Because I expect Ally to mess things up, I took screenshots of the autopay that I set up. I sent Ally proof. After three weeks they insisted I didn't set up autopay. I sent them the same proof they clearly didn't consider at the first denial of their fault. That was four weeks ago and they still haven't replied. Now another issues arises on top of the pending issue. They were to mail a check to a payee to be delivered by the 10th of April.

Customer service is a JOKE! I've spoken to more than 4 representatives today as online access is blocked. No one can unblock. The counsel received is to through a 3rd party to make a payment. Placed on hold numerous times for over 30 minutes. All of the individuals I've spoken with did not speak English very well. No empathy. If I wasn't managing this for an elderly individual I would NEVER use them for any financial needs.

I continuously have login issues with Ally banking. The customers admit that their phone app is issues so they recommend a PC there’s still issues on a PC. I’ve spoke to over 30 representatives. They keep making me go through a circle of questions. They have verified me numerous times I still can’t get my account access even though I’ve been approved takes 3 to 4 days to get approved and then I’m logged out again locked out. Customer service doesn’t help there. You have no empathy and I don’t even know why they call ourselves customer support because there is none still can’t get my money. Would like to close the account, but they won’t let me four months in working buyer beware.

I strongly caution anyone considering opening an account with Ally Bank to think twice. My son has been trying for over two weeks to open a savings account, and the experience has been incredibly frustrating. Ally keeps attempting to verify his identity using a phone number that doesn’t even exist. To make matters worse, a representative even told us that there is no such thing as a specialist, which completely contradicts what we’ve been told multiple times. The lack of communication, accountability, and basic customer support is extremely disappointing. If this is how they treat potential customers, it raises serious concerns about how they handle existing accounts. Based on this experience alone, I would not recommend Ally Bank. Save yourself the time and frustration and consider other options.

If I could give less than 1 star, I would! My auto loan with Ally was paid off and confirmed as satisfied. A year and a half later, Ally claimed a payment from the payoff period had been returned (it was not) and reported a late payment to the credit bureaus. The reporting caused my credit score to drop significantly. I disputed the issue with Ally, provided all necessary documentation, and filed a regulatory complaint, but Ally refuses to address the issue and continues collection threats. Very frustrating experience dealing with a company that refuses to correct THEIR OWN obvious error.

I withdrew all my money from this bank after they locked me out and claimed I had entered the wrong password and user i.d. This was not true. I entered the information that I have entered for years! I was put through a long interrogation process. At one point, the guy wanted me to tell him how many accounts I had? I can understand security questions, last 4 digits of social security number, but this was over the top! I didn't trust that I could get access to my money in the future so I withdrew all on the day this happened. I'm waiting to see if they actually transfer my money. Something is wrong!

Somebody got hold of my account number and cashed a check for $3,800 that didn't have my name or signature, just my account number. Ally didn't verify my identity and gave my money away. Now they are running me through hoops with affidavits that need to be notarized and told me it can take up to 120 days to get my money back. I am leaving Ally.

On February 27, 2026, at 1:21am CST, I used PayPal to make an income tax payment of $3,350, plus a service charge. My primary PayPal means of payment was a Visa card. Unfortunately, I had also previously linked my Ally checking account to my PayPal account. I chose to pay via PayPal using that Visa card because the card offered 3% cash back, which would have more than covered the service charge. I also would not have been required to pay that credit card bill until April 15th. Understand that I could have paid my tax bill without incurring "any" service charge, using a checking or savings account - but again, I wanted the extra time to pay the bill, as well as the cash back that the credit card offered. However, the credit card rejected my payment via PayPal, due to suspected fraud.

App shows we paid $1,400 less then what we actually paid. They sent me spreadsheets as requested of payments they received. And when I called back and said, "If you add up all the payments on the paperwork you sent me it is $1,400 less than what the app is saying we paid, so it is making our pay off balance higher than it should be." They told me they cannot change what the app says, they cannot use a calculator to add up the payments to even verify it. And that I just have to pay what the balance says and then if I did overpay at some point I will get a check in the mail. I feel this isn’t even legal or something shady going on. Would not use this company and not happy the car dealership even set me up with this company.

My Fiancé and I purchased a 2024 Ford F250 Super Duty.. It is financed through Ally Bank. I am a co-owner on the vehicle. Our payment is scheduled to be automatically drafted out of our account. I started getting calls from an unknown number with a New Orleans area code. They never left a message but continued for several days calling my phone. They have my number and my fiance's number! I finally call this number back to discover it is Ally Bank. The girl would not give me any information as to why they are calling and kept insisting it was a recorded line and it was information regarding my Fiance. I hung up, finished my lunch, and called them back.

I have been a card holder for many years. Had my first $100 dispute and they denied it when I had all of the documentation. They not only lost $5k of charges a month, but my investment account as well. LATER.

Ally redemption center employees are a crap. If they could receive Negative - 5 stars that’s what I would give them. All of their agents are rude, lack any type of customer service, soft or hard skill and have conflicting information on how to recover your vehicle if repossessed. All I wanted to do was provide them with my payment confirmation to get my release papers, I paid the money the same day it was repossessed and they told me after that I have to wait 7 days before I could get my car back. I made a minimum of 50 phone calls in order to get the help I needed, even after I waited the 7 days.

I paid off my vehicle a month ago and still have not received my title. They gave me some crap about my address being too long to enter into the release of lien system. Then the home office hung up on me. Meanwhile the foreign based call center told me my title had been sent which was not true. Once they get their money they don't care at all about you. USE A DIFFERENT BANK! You've been warned.

Ally used to have great customer service. Now it is awful, the worst. I was greeted with a poor voice response system that is both slow and ineffective. Eventually I was told I would be transferred to an associate. I was told it was a 23 minute wait! People don't call banks to chat, they call because it's about their money and important. 23 minutes? After 5 minutes of holding I was told it was still "23 minutes." Totally unacceptable. My call was about a $6,000 check that was mobile deposited and did not get credited. I'm not happy and will probably end my over a decade association with Ally. My last call on a different issue was similarly painful. Enough!

I do not have an account with ALLY but my brother did. He died in 2023. He was on Medicaid so he had no money. I have sent ALLY 2 letters along with his death certificate but they keep sending a bill. How do I get them to understand that you can't collect money from a dead man.

Updated on 04/08/2026: After giving me back my access to my money after a complaint was filed with CFPB, I then requested that my account be closed and the money be returned to me pronto. I was assured over the phone that my account was closed and I would have my money with 10 days...After a no show mailing of my money I called to find out that they in fact had thrown me back into the fraud department refusing to close my acct. I have filed another complaint with CFPB to get my money back asap. RUN, DON'T WALK AWAY FROM ALLY BANK! Put your money into an actual brick and mortar bank! I will never do this again with any online bank.

Despite being an auto loan, they treat this like a variable rate credit card. The finance charges are always different, the extra payment process is very vague, and the finance charges are not clear. The statements don't give you an accurate view of all of your payments. Worst auto loan experience ever. Will never use again.

If I could have given 0 I would have. Terrible business practices. Ally auto funded our loan and after it's paid in full they are stating we have to wait 30 plus days for our overpayment of $562.44 to be sent back to us. We overpaid to make sure our payment was on time while trading in our vehicle. However, the title has been released, the account is 100% paid yet they want 30 plus days to refund us our overpayment. Mind you we both agree on the amount to be refunded, yet they want to delay us our free and clear amount.

First, let me state I am attaching three sheets to show I'm telling a real story. If Ally Bank and or YouTube request more information, I'm ready. On Wednesday, August 6, 2025, at 10:21 AM, I canceled YouTube TV. They continued to charge me for 2 months. I tried contacting them, and I got run around. I contacted Ally Bank and told them my story. I was told they could take care of it. I went through that line of bull three times. The last time, they never even bothered to contact me.

I have an 850+ credit score. I tripled my monthly payments through year one and saved basically nothing in interest. I'm paying off the loan in full this month because it's cost me almost $2000 in interest and fees. Predatory loan company with a shitty website.

Poor transparency and customer service. For an online bank you would think online transfer information would be accurate. The app does not recognize federal holidays as non business days so transfer information will be incorrect. This is an easy fix, I guess they just don't care. Will be closing accounts.

Pat **

Overall bad experience with Ally customer service and support. Misleading, inaccurate report on my consumer credit file. Months paid reported unpaid. Hurt my overall credit file. Really Bad experience. Not recommending.

My auto loan is from Ally Financial, and I have been with them since 2018. I thought they cared about their customers, but I have since changed my mind. Here is my dilemma. I called a few days ago to request a copy of the Title for my vehicle. I was told I have to wait 48 hours for the copy to be faxed. I waited my time, and when I contacted Customer Service (CS) I was told that they had already faxed the document. I explained to them that I did not receive the fax and to refax the document. They told me that I will have to wait another 48 hours to get the document, as this was a new request (they were treating it as another new request).

The absolute worst bank I have ever had an account with! They ran a promotion offering a $300 bonus for opening an account after 3 direct deposits and still have not received the bonus. After calling the bank and being placed on hold for 30 minutes they said I would have to wait an additional 35 business days so they can look into it. Beware! Do not fall for their scam!!!