Ally Bank Reviews

When I called the recovery company that stores repos, the lady there told me that many cases like mine come through there and they are all from Ally Financial; in other words, wrongful repossession. When I was talking to Ally, some of the personnel was understanding and willing to help only to either change their stories later or other personnel would just plain tell me I was not being forthright. One person even told me, "So what? You think there is only a conspiracy against you, Frankie **?" I have bank statements that support me. I know that Ally and its mortgage subsidiaries have been sued for the same practices by the states of Ohio and Florida. It's all on the internet. My car was sold at auction, my credit rating was destroyed and Ally will not talk to me.

Cons: 1) You are outsourced overseas and the understanding of English is sub-poor; 2) Outsourcing creates bad customer relations due to the poor English and inability to resolve issues due to cultural, language and ability to make a decision. If you have an issue, expect three transfers to different agents. (I have been involved in the financial industry, they moved to an outsourcing model to only save money, and they lost a multitude of customers... not racial.) Most customers prefer to deal with a US call center.

Also, I have nothing but harassment from an outsource group due to the lack of training of handling difficult customers and a misunderstanding of culture; and 3) Moved to Western Union to process payments which results in an addition $8.25 fee. Excuse me, a financial company that cannot handle incoming payments? You would think they would waive the fee if you are catching up their payments. Again, I have worked in the financial services industry and a fee of $8.25 per payment for an immediate is outlandish.

Non-responsive to payment plan adjustments: Typically, several of the auto loan companies I have worked with and know, if payments are made on-time, they will offer you a deal where you can take when you are behind payments, (typically two months). They will bring you current with no late fees but taking the past amount and adding it back into the loan. This was a huge hassle. Didn't acknowledge they offered the plan, and I requested the paperwork on 4 occasions before I received the paperwork... In the meantime, I was barraged by phone calls stating I was in collections. Again, part of the problem is this was a part of the GMAC financial group which obviously brought over the GMAC culture (That's another story).

FORD Motor Credit: out of all of the years I have never had a better experience - polite, kind and willing to work with you regardless of your situation. US based operators: excellent command of the English language. Never ask more than once what you needed and how they could help you - very pleasant and understanding. Payment: Ford handled all of their incoming payments and options for payments with no addition charge added. In fact, they waived some of the late fees and reporting to the credit reporting agencies. Payment options: after explaining the situation, they brought up the fact they had an option to take my "past due" payments and add it back into the loan to assist in my payments. I don't work for ALLY or FORD. I just wanted to explain there are differences to consider when you take on a vehicle finance company. I have dealt with GMAC (mortgage), Ally (car loan) and frankly, they suck at customer satisfaction. Ford gets a +AAAAA rating.

As soon as that supervisor answered the call, he began harassing my daughter. He was yelling at her and told her stuff like, "Oh, that is amazing. Why did you guys even buy the car if you cannot afford it?" My daughter said, "Can't you see we can afford the car that’s why we’ve been making the payments?" Then he said, "So where is your payment now?" Then he said, "Either you make a payment now or we escalate your account further." He was so harsh that my daughter began crying after he disconnected. I understand that I am late on making payments, but no one, absolutely no one, has the right to call my house and harass my family and make fun of our situation.

This is a pathetic bank with careless customer service. They don't understand your problems and make fun of your situation. Never finance with them. I am also sending a written complaint that I will fax over to their department head. I am very hurt by all these and the way he mentally harassed us. Please do not finance with them, guys. They are not good.

When I called to see why the extension was never done, I got the runaround. I was told until I paid all three months which two were to be extended, they were not going to tell me anything. Here is the kicker: The man that towed it away told me not to pay a dime because they are going to repossess it anyway unless it's exactly the amount they want. The harassing phone calls are off the wall and should be illegal anywhere from 6 - 10 calls per day one day. I counted 13. Someone needs to put a stop to their shady dealings. I am angry enough not to let this go. If I have to go to every dealer in the state that I live, I will make sure that Ally does not get their business. If you have had dealings with Ally, check out all the other complaints.

To recap, they repossessed my car, claimed to have not received payments for 60+ days (which is false), and will not accept any responsibility for making any mistakes or let me make any payments on the loan at all. They also did not specify to me whether this is a retail loan or auto loan, which I've been told will affect whether or not I can even refinance at all, which I will certainly be doing as soon as I retrieve my car. Any and all advice or similar experiences with results are extremely welcome!

When I did and got to the confirmation, I got a message it could not be deposited because I had already made the deposit. I called to see whether the deposit actually went through. The Ally rep stated this cannot be confirmed for 2 working days. Because today is Saturday and Monday is a holiday, that means I won't get confirmation for 5 days, during which I will not know whether the deposit went through or not. When I complained about the ongoing problems with the eDeposit system, I was told that eDeposit is a new service for Ally and that they are aware of many problems with the system, but they are working out the details. As I've been making deposits for a year, I don't consider this a new service. I find it terrifying that in a year, they cannot get the system operational and that they began the system when it was not operational.

I called again and spoke with someone else. I was advised that I need to pay $1,426.00 to get it out of repo status. No one ever seems to provide the same information there. These people are criminals. During this past year, they have provided my ex-husband with my personal information even though they were told I had a PPO against him for attacking me. I have tried to refinance and was told that the loan is actually a retail loan and not a regular auto loan. No one will refinance it.

It is now May 2nd of 2013 and they just did it again. I have proof of my payments. When I call in the morning, the same drill will happen again. Send me the payment, the next payment and some type of repossession fee, no apology for their mistakes and try to make it look like I am some type of deadbeat who does not make payments. I was so angry last time, I almost hired an attorney. I think it is time to do that. I really want this poor customer service to stop and their lack of communication, it is getting ridiculous at this point.

Even though I have confirmations, they still won’t own responsibility. Last time, they said they would send me my money for the mistake. Guess what, they just applied it to my principal and told me that they don't return payments, even though it was all their mistake. Seriously, think about this. Twice, they repossessed my vehicle in 5 months. Seriously, this should be illegal especially with me making my payments on time. I really just want others to know. Don't do business with this scam bank.

Today, I used my business and personal laptops, neither worked. I had to go use a neighbor's computer to make the payment? No one on Ally's end can seem to help me. They tell me it is my fault, but my IT guy said it is not. Ally wanted to charge me $8.50 to make a phone payment even though it is their system that is messing up. Also, my husband has given them permission to speak to me about this loan at least four times and when I call in, they never have a record of who I spoke with or that he authorized me to call. Help. Any suggestions from someone?

When I call the company, they say, "We have on record that we mailed it out to you." REALLY? Because my bill makes it to my house every month with no issue! When I ask about disputing it, they tell me either there is nothing I can do to get reimbursed or they give me a million different stories on how to dispute it to the point I get so frustrated that I end up just paying everything in order to get my car back. This past Monday, it happened again. I called the BBB to see what I could do about it and they told me to call some company, which I did, only to get told to call 3 more different companies and by the last company I talked to, they pretty much told me they weren't sure who to contact.

To boot, I got a bill today saying I owed $700 on a car I leased from them prior to this one, over a year and a half ago! I cannot even begin to stress my frustration along with a warning never to do business with this company! If anyone knows who I can contact to take action on this, please let me know! As a side note, they are the rudest people to deal with and have called me on more than one occasion saying that I didn't make a payment that I had proof of payment on!

Beware if you are paying off your vehicle loan to sell it. Do it at least 30 days prior to when you want to sell in order to get a lien release. Every bank I have ever worked with provide a release within 3 days of having the payoff money - not 30 days. That is impossible to sell under those conditions. Horrible company. Horrible and rude customer service people. Don't have anything to do with Ally.

I called back on 03/06/13 to check on the status and then I was told that they did not post my payment until 03/01/13 which is a lie because it is direct pay and they did get my money on 02/25/13. When I asked what the $7.76 check was for, I was told that it was for overpayment from the payoff and that now I would have to wait 10 business days from 03/01/13 before they would even issue a check. They have had my money since 02/25/13 and now I have to wait even longer. The customer service is not good at all and the representatives are not knowledgeable.

I asked for the payoff on our other truck that we have financed with them so we can move our loan and the guy could not find it. He asked me if I was sure it was financed with them. Finally, after I insisted that he get me the information, he found it and gave me the payoff. I spoke with his supervisor and she gave me more excuses so I asked to speak with someone else above her. She said it would take 48 hours for them to call me back. I pointed out to her that it was convenient that she say 48 hours because that would then be closer to the 10 days!

One month, I ran out of checks and my due date was approaching. I tried online once again, still it was the same story, a non-existent account. How can I be making payments all this time on an account that doesn't exist? I called to make a payment, but with a $12 fee;there was no way around it. Now I'm getting harassing letters and calls about my insurance. I guess after 2 years they decided that my insurance deductible wasn't to their standards, and threatened to default on my lease. I'm half tempted to let them.

That's not the first problem either. A few years back, I traded a vehicle in, and got a new one. After 2 months, I got a call saying I was 2 months late on the vehicle I traded in. I told them that I don't own it anymore. Another month went by, it was the same thing. I even called back to talk to someone else and make sure it was straightened out. Another month went by, and now they are calling, saying that I'm scheduled to have my vehicle repossessed. I said, "Go for it; I haven't owned it in almost 6 months."

Finally, I called back and talked to the right person. She had looked through the history, saw the records of the calls, saw no one did anything, and apologized. She helped clear the situation up, gave me her direct # and helped me get letters to get the issues cleared off my credit. Unfortunately for her, the rest of the company gives her a bad name.

At first, they were fine, but I got my first statement in the mail with the wrong due date on it. I called Ally and changed the due date (for a $86 fee). I paid two payments on the van. One horrible morning, I was in a horrible accident. I was driving way too fast on ice and slid off the road into a tree; I hit the tree so hard that I bounced off the tree, took out a telephone pole, and slid over a bank. My van was destroyed, but it did its job and allowed me to walk away from it. My insurance company totaled the van and gave me $12,565 for it; I owed $17300 on it. Luckily for me, I bought full GAP coverage on the van when I bought it. My insurance company sent the money to Ally eight times before they accepted it.

Fast forward by two weeks, I am in desperate need of a vehicle so I start shopping around. I tried 14 different dealerships and every one of them denied me because of bad credit; I have never missed a payment on anything. I finally went to a Dodge dealership where I fell in love with a 2010 Dodge Journey. The only bank that would approve me was Ally Auto Finance! I took a chance and bought it as I had to have a car, or I would lose my job. Imagine my surprise when I get my credit report stating that I have a repossession on my credit report. I have never had a repo in my life! Ally reported my van as a repo even though the title was sent to Nationwide Insurance.

It took three weeks to get that taken care of, but that doesn't stop the collection calls for the Grand Caravan that was already sent to Salvage Auction. Ally even messed up the GAP form and put that the van was repossessed causing my claim to be denied. I have not had any trouble with the Journey loan yet, but Ally caused me to have nightmares almost every night. They do not know what they are doing!

Now I am told that because I filed the claims as instructed, they find me to be a risky customer and do not want my business any longer. I asked what I should have done, short of letting the thief abscond with my money and no one could answer me. It was either let the thief have the money or lose your account. Nice way to run a bank.

On January 7th, I called the dealership back and Eric **, Business Director of dealership, called Ally. They told them that they would give the dealership the entire check; the dealership could go from there. Then 2 days later, Ally reneged. The dealership principals/ supervisors indicated to me that this is totally unethical & immoral of Ally to do to the dealerships customers. Furthermore, Ally is guilty of using unscrupulous & shady tactics, because they have reversed their position on a positive equity position, especially with the federal disaster storm Hurricane Sandy being declared. My car was a total loss from the storm.

Ally will not tell me anything. Everything is fully documented that the bank is giving complete "substitution of collateral" and the bank has closed the case and will not do anything. All conversations are documented by Ally and Westbury Jeep Dealership - 100 Jericho Turnpike Westbury, New York

I asked to speak to her supervisor and she replied, "He is going to tell you the same thing!" I said that I still would like to speak to someone. So she transferred me to Vince, the "assistant supervisor," and he was the biggest ** ever! He wouldn’t let me talk and kept interrupting me. He said that the tow place hasn’t released the information yet and that he couldn’t do anything until then. I then asked if he could call the tow place and he rudely declined. So I insisted and he said, "I’m going to release the call now, I cannot help you." I begged him to help me because I finally got a new job and it starts today. He said again, "I am releasing the call." Click! I was so mad! I called the tow place and the lady, Courtney, was super nice and couldn’t understand why they didn’t have the information yet.

So I proceeded to call Ally back and was on hold for just over one hour, and talked to Donna. She was actually kind of nice! She got all my information and then called the tow company to confirm the information without me even asking! I got the payment made via MoneyGram (that customer care representative was super nice) and now I am waiting on hold to give Ally my reference number - it’s only been 29.52 minutes so far! So with any luck, I will get my car back in time to go to my new job! A bonus is that my car will be paid off! I only owed $1,053.72 past due plus $26.46 late fee and a $350.00 repossession fee, so the grand total is $1430.18. Thank God for family! Because I sure wouldn’t have been able to pay this if it wasn’t for my grandma. Love you Grams!

I have bills that are going unpaid simply because Ally won't give me access to my money, even though I have never spent any more than what I had deposited. Online banking seems like a great concept, but without any method of quick access to your money, people living paycheck-to-paycheck should retain their brick-and-mortar accounts.

Two weeks later, I was still unable to make a payment. I called customer service and was told that it is not their (the bank’s) problem that the website does not work. The representative told me I would incur 70 dollars in charges and a hit on my credit report, unless I paid to wire transfer the bank money. I talked to a supervisor, who also blamed me for the problem on their end and refused to remove the charge. When I finally was fed up and asked for his name and ID number, he put me on hold for 30 minutes. Finally he agreed to take payment over the phone for free via my debit card.

I have had my car for over a year. I still can't log in online. I have paid over $200 in late fees because my frustration is not worth the 35 dollar late fees. I am still told that it is my problem if their website doesn't work. I have negative history on my credit report. This bank is a scam and I am sad to see that the government has not stepped in to regulate. I wish I could switch back to Bank of America's auto loans as the interest was lower and I never had any problems. Every time I call Ally bank, I get transferred to a rude representative outside of the United States. Unfortunately, because Ally has hit my credit report with late payment notices, I am no longer able to apply for a different loan with a better company.

So I called Ally and actually got a person. They told me it was a computer glitch, yada, yada, yada. They would not reverse the late fee. We were mad so we didn't pay it. Then it happened again next month. We got told the same thing. Again, we didn't pay the late charge. Next month, we used his mother’s account to show her they took the charge out late and a $100 more! We called and got the runaround responses. Then last month for no reason we have a late fee. Somehow we have a late fee of $177 and some change, but our payments are all caught up and are not due till the 24th.

Well last week, calls started first to my hubby up to 10 times a day and then to me again 10 times a day. We both are very busy with work. They started harassing his 90 year old grandmother who has heart problems! They were even giving a different contact number for her because of this, yet they keep calling the old number nonstop. I finally got some time off and called them. And guess what?! They want their $177 late fees! I am beyond mad about this. When I told them I won’t pay them because it’s not my fault and I have proof, they got very rude saying it’s only $177 and blah, blah, blah. I told them “If it’s only $177, why don't you pay it for me?”

The most recent call we got from them, they told us they were going to repossess the car because of the late fees! We aren't even in loan default and have never been! Do they even have the right to do that? We are now considering just paying it just to stop the harassing calls to his grandmother. So if you’re thinking about using Ally, don't!

Today, I got a letter from Ally Financial stating that based on the info provided, they cannot approve my financing. Umm, I have signed all the paperwork for a lease. I've made the first month's payment and I have been driving the car for a month now! What am I supposed to do now?! Give the car back?! And when I ask the people at the dealership, nobody knows anything! I will never deal with Ally Financial again.

Fast forward a few more days to today and guess what, they still don't have it on file. I have faxed a legal document to them three different times and all three times, they have lost it. Every time I call, the rep I talk to gives me the same script and only says "I apologize" but never gives me any information on what I can do or who I can talk to to fix this problem. I asked the last two conversations to talk to a supervisor and they wouldn't even do that. They told me that the supervisor would tell me the same thing and refused to transfer me. What company refuses to transfer you to a supervisor when you ask to speak to one? If we could go back in time, I would never use Ally. I also opted to take the customer service survey at the end of the call, and all three times I was disconnected before I was put through. Coincidence? I think not. They know I am angry because I told them so and they don't want me to fill out a survey.

I would give Ally zero stars if I could. That is how angry I am with them. They keep asking if my husband can call them and I told them, “My husband is in Afghanistan! He can't call me let alone call you people." This is what a POA is for! I don't know what kind of business they are running, but it’s clear they have no idea what they are doing. They wouldn't transfer me to the office that handles the faxes. They wouldn't transfer me to a supervisor so I could find out how they are going to fix my problem. They won't even tell me what else I can do since this is attempt 3 of faxing them and clearly, it’s not working. I am filing a complaint with the BBB after this. I just want people to know how this company treats their customers. We have always paid on time and we are very close to paying off our car. We have been nothing but great customers and the one time I need help on the account, they don't help.

On top of the inconvenience, I now get calls from their collection people overseas from 8:00 am to 9:00 pm daily. I even told them I could not pay the loan payment until the 26th and I am not paying $100 to change the date because obviously they are not trusting. How would I know if my $100 would be deducted from my next payment? Of course, they also told me my payment due date was a "pending" transaction on one phone call. I cannot wait to refinance my car loan at a normal bank. I've learned my lesson with predatory lending!

3. Will the full amount go directly to the principal? Yes.

All sounded good so I went ahead and authorized the additional payment. The phone operator told me the money would be posted to my loan the next day (11/27/12). I checked my bank account and the money was never touched. I waited a couple of days more. Again, nothing. My local bank teller asked me if I had a confirmation number. I said I was never given one. She suggested I call back and make sure to get one.

On the 29th, I called again and asked why my payment had not been posted. The lady said, "What payment, sir? There is nothing in our records that show a payment was made." I was beyond upset! I wasted a lot of time on that first call and it was all for nothing? I proceeded to ask the same three questions and got the same three answers. I requested to make the additional payment only this time, instead of $600, I wanted to pay $1,000. After she "processed" the payment and was getting ready to hang up, I asked her for a confirmation number. Her reply was, "I don't have one. Don't worry, the payment will show in your account in 24-48 hours."

The next day, I checked my Ally account and there was no sign of a "pending or completed" payment. By evening time, I called a third time. I was surprised that no record of a payment being made was found! I demanded three times to be put through to a supervisor. After being on hold for 20 minutes or more, a man finally answered. I explained what I had been trying to do, what I had been told and what had not happened.

He checked and found no record of any additional payments either. He asked me, "Were you at any time put through to Western Union?" I replied, "No, up until now, no one mentioned anything about Western Union." Then he said that I never made a payment. He was about to put me through to Western Union when I stopped him and asked the same three questions. His reply:

3. Any extra money will be treated as a regular payment and interests will be deducted from it. You have to call back after the payment is made and verbally request that the full amount goes to principal.

So I asked if I can mail a check instead and write "Apply to principal only." He said that would not work because "a machine" processes the payments. On hind sight, that does not make sense? Is this true? Is it legal? If I didn't want to pay the Western Union fee, I could make an online payment and he would put a note to have the full amount go to principal. So that is what I did.

After that, I googled Ally customer reviews and found this website. After reading all the horror stories and experiencing first-hand the incompetence of their employees, I am begging to regret making the $1,000 payment. Something tells me that my request is not going to be honored. Hopefully, I am wrong. Either way, they are completely clueless, incompetent and will not hesitate to lie just to get you off the line. I regret getting the loan with them.

So far, they have made a poor impression. Hopefully, everything turns out okay and I have no other problems. From now on, I am going to save any extra money and try to re-finance the truck with my local bank. On top of their clueless employees, the last thing I need is them putting a lien on my truck after it is paid off, adding hidden charges, refusing to accept my payoff payment because I am off by a dollar or having to wait months for a title - the last one is unacceptable. I paid off my wife's Honda last month and our title was in our mail box within a week!

P.S. By the way, all the people I spoke with also had a very heavy accent and were very difficult to understand. I am not racist or have a prejudice but if you hire someone for a customer service position that requires communication over a phone, it would be smart to hire people that can speak proper English! That only made my experience much more frustrating!

I tried to escalate it and got no help. On top of this, because my account was overdrawn once, they started to hold my deposits for 7 business days causing me to be overdrawn longer and the only way to deposit checks is online. I tried to get this lifted with no success. It caused me to be late on my rent and pay over $300 in late fees which in that case I'd much rather have taken the $35 overdraft fee. And now, I deposited a check to cover my transactions but they've again held it and because of that, my account is overdrawn again. But if my check would've gone through after I deposited it, I would be positive. And they still won't credit back my overdraft fees they are charging. This company is a huge rip off. Stay away.

I called back on October 24 and was informed the fax was never received as my account had no update. I was asked by 5 different people what fax number I sent it to. "Oh yes, that is the correct number," I was told when I gave the fax number. I asked, "Is there any way to call the office that retrieves the faxes to ensure that maybe it was left on the fax machine?" "No, that is not possible, when the fax is received. they will update your account." I am told by a supervisor at this point that they, Ally, will go ahead and send the information to the State of MD. I asked how he proposed to do that without my fax and I was told he would just look at my address on file and send it based on that. I was told I would get a phone call. I faxed the request again. Needless to say, it is now October 31, 2012. I never received a phone call and my current registration is expired.

I called again today and lo and behold, there is no update to my account; they have not received the fax yet. As I am repeatedly sending the faxes, I am also including my fax transmission report showing the previous fax was transmitted successfully. I informed the supervisor I spoke with today that I would be looking for another bank to finance the remainder of my car loan as Ally is the most incompetent bank I have ever had to deal with. I am also told the offices are closed due to the recent hurricane where the faxes are received but I can go ahead and fax again. I will fax my paperwork every 10 minutes, surely when they get back to the office tomorrow, some incompetent will see my fax and actually do their job by updating my account. Their customer service stinks and as far as helping the customer, forget about it. Usually when you speak to a supervisor at that point, your problem is resolved. Not with Ally, their supervisors are as incompetent as their phone support personnel.

Unbeknownst to me, I see a caller ID on the house phone that I don't recognize, I checked the number and it comes back to Ally. Mind you, no message was left on the answering machine. I called last evening, was on hold for half hour. No one picked up. So I called this morning, was on hold for twenty minutes before an agent picked up. I started explaining everything above nicely, to no avail. She started telling me to look on my online history by clicking on the drop down box next to the VIN. I said, "Ma'am, there is no drop down box." She replied, "Yes there is." I said, "Do you think I'm lying to you? There is no drop down box." She said, "Sir, let me get your account log in to look." Against my better judgment, I relinquished my info, now waiting hearing some background noise. She came back and stated sarcastically, "If you look at the bottom of the screen, you'll see view online activity," and my response was that's not where you told me to look before.

There was no apology, just more attitude, where now she stated that you never set up direct pay in an argumentative tone. So now I was irate. This was the second time she was calling me a liar. I said, "The last time I went online was 6/15/12 where I set up auto-pay and you can see that the payment was received on 7/2/12." She stated with disgust and arrogance, "No you didn't, you paid July's payment." So now, steaming and irate, I basically said, "come and get the vehicle," because I'm not going to deal with likes of Ally Bank and its staff. I have never been treated so disrespectfully by a bank ever. I cannot believe the attitude I'm getting.

The problem is, the "fraud" specialist could never be reached nor would this person return his voice mails. A few days later, both my account and my wife's accounts got locked - again, without notification or warning of any kind. To make matters worse, I made the mistake of already putting in my hard-earned savings - over $10K worth - into the Ally account. Now these money robbing "allies" basically locked out my money, all without telling me why. Again I called, and after waiting on the phone forever, was given the same runaround as my dad - nobody could tell me why the account is locked, I need to talk to the Fraud department, and of course, nobody from the department is available. I left a voice mail and, surprise surprise, no callbacks. I'm still trying to reach them so I can get my money back!

Keep in mind we're just a regular hardworking family with absolutely no credit problems or criminal backgrounds. I have investment relationship or accounts with most major banks, both physical and online, and was never treated this way. I mean there were bouts of bad service but nobody has ever denied me money that's literally mine. I've never felt so abused by a company in my lifetime.

Do you know any other bank that will lock your account and freeze all your assets without telling you? I feel like I'm some sort of a drug dealer, and the FBI is cracking down on me. It's one of the worst feelings ever. To top it all off, the customer service representatives on the phone were incredibly rude, and they like to transfer your call without telling you that they're doing so. Literally, they told me "I'm going to put you on hold," and the next second, I'm getting "you have reached the loss prevention unit, please leave a message." It's absolutely infuriating when you're trying to recover money that's yours in the first place! "Loss prevention unit," why does a bank need this when I'm the one who's putting in the money while they're holding it hostage? And I need to convince them I'm not some sort of the criminal so I can get the money out?!

Again, do not ever, ever bank with this company. Don't be like me. Do some searches online first and read all the complaints. A bank like this deserves to go under.

They call me quite a few times throughout the day leaving nasty messages; and when I do answer, I get a horrible attitude! One time I asked to speak with a supervisor or manager because the lady was being down right mean! The ** refused to transfer me, kept asking why I wanted to talk to them, and then she hung up on me! So I called right back fuming at this point and she puts on what she said was her supervisor (I think it was just a coworker) and she was just as rude and mean! A few days later, I called and miraculously got transferred to a guy who is actually in the US and speaks good English. I told him my experience, and he apologized and told me that what I experienced happens a lot! Wow! Another issue I have had with them is my auto pay. I set up auto pay to deduct my payment from my checking account when I first got my car. Big mistake! After I fell behind on my payments, I tried to turn auto pay off and I wasn't able to on the website; so I called horrible customer service again and sure enough they wouldn't delete my auto pay account.

It got so bad that I had to close that checking account! Then the fun really began! Then the calls started up again, calling me a bunch of times during the day leaving horrible messages! I finally answered one of their calls and not to my surprise, the woman was a complete **! She yelled at me telling me that closing my checking account was completely unacceptable and then I am committing a crime (that she couldn't identify by the way) and then she hung up on me! Like I said before, the absolute worst bank I have ever dealt with! If you want a good one, I have had great experiences with Golden1, Patelco, Alliant. But please listen to me and all these other Ally victims and stay way away from Ally! Because of this experience, I will also be staying away from Chevy (which has been my vehicle of choice for many years!). Beware!

I get chemo and radiation. My co-pay has to be paid upfront. I do not have it today, so now my health is in jeopardy. Sorry, I am crying, so I can’t see the spelling. They are protecting themselves here because I have so much proof of their breach. I cannot see anything online, so I guess I won’t see my money again. Do not get an account - it is horrible. They never ever call you for anything - they just resend the same emails and no one really cares.

I am sure they will not post this. Your comment is awaiting moderation. Everything could happen - unauthorized use, disputes, even a loan I did not apply for. They removed my info from the internet and kept the money and told me lies one after another about how they were going to wire me my money or put it in another account. They never opened up the new account for me after they breached my information and then I begged for my money and they promised it would be in hand Monday express. Monday came and there’s no money. I actually had to discard my chemo and radiation today because I did not have enough to pay my copay. So next it will be my health. I called there and one lady tried to convince me that she was the only supervisor there. So much for that money. They really do not care about anyone - it is really horrifying. Leave a reply.

After five attempts, my accounting department said "Good news, your deposit has been accepted!" and I was so happy. But on deposit day, my money wasn't in my account. My pay stub said "This is not a check" and Ally said "We don't know where your money is, but it may take us 24 to 48 (business) hours to research it." On a Friday that means I won't hear from Ally until Tuesday, and if they do find it, I'm sure they'll come up with a reason to hold it for another 12 days.

The worst part, while speaking with a customer service supervisor (almost as useless as a customer service representative, but with a more authoritative sounding title), she indicated that there was no way to further expedite my resolution, as it was a newly opened issue. **? I've been calling over and over for months about the same issue. Maybe it's a bit different than the last eight calls, but it still boils down to the same little nugget. My direct deposit isn't being deposited and Ally won't give me my money.

The fee-less accounts, the interest, the convenience, the friendly customer service, the e-check deposit, it all sounds fantastic, but beware. You'll continuously call with the same issues. You'll wait weeks for access to your own money and there is no direct line to the resolution center, leaving you at the mercy of friendly, but relatively helpless customer service reps (and supervisors). I'll be posting this review on every available site for each waking hour that my funds remain missing in some Ally limbo. At the earliest availability I'll be removing my money and marching it straight toward the teller of a better bank, if there is such a thing. Wish me luck.

I then asked when they would put the money back in my account and was told that it was not their policy to re-deposit money and that I would get a check in the mail within "10 business days". I told them that they were working a financial hardship but all they could say was, "we're very sorry, etc." Meanwhile, I got a letter from them postmarked the 13th stating my loan was paid in full. At the same time they were telling me my loan is paid, they were still taking my money! At the end of the "10 business days", I called and inquired about my refund. They told me the check had been issued on the 29th and I should get it soon. Of course, two days later, on the 3rd, it still hadn't arrived and I was then told that the "4th of July holiday" had probably delayed it. On the 5th, they told me that the holiday had delayed the mail and I should get it by the following week, the 10th at the latest.

The check came today, the 9th, and was postmarked the 3rd containing a check dated the 2nd. I'd been lied to from the start! I will never do business with this bunch again and will warn any and all away from them. How can you trust anyone who will lie just to keep from having to tell the truth? BTW, on their TV ads, they brag that you will always be able to call them, night or day. What they don't tell you is that you will be connected to someone in Rangoon or Calcutta who will speak perfect English with an accent so strong you can barely understand him or her.

Representative stated that previous representative on 3/21 did not use proper method to transfer funds. This representative was apologetic and assured me that correct procedure was now performed. She requested that I call back when I see two microdeposits and one microdebit in the external account to which funds would be transferred. On 3/31, I noticed the two microdeposits and one microdebit in external account. I called Ally Bank to confirm this information as instructed to do on 3/27.

On 4/5, I received letter in the mail from Ally Bank notifying me that CD was rolled over for another year. I contacted Ally to inquire about this. Representative stated that improper procedure was used by previous representative on 3/31, preventing transfer to be successful. I requested to speak with a manager. I spoke with manager on duty (time was between 7:04 pm to 7:25 pm, EST) who informed me that she would escalate concern. I informed the manager that I was not pleased with the difficulty of receiving my funds in a timely manner and that I now wanted my funds delivered as a physical check to my physical address by or on 4/9/12. Manager stated that they could not do that, that funds would be available to me by 4/10/12. I advised manager that this would not be an acceptable arrangement and mentioned that they could be in violation of a regulation concerning the availability of funds (FDIC Reg CC?). I informed her that I would do further research on that.

On 4/9/12, I received the funds requested (check) via FedEx Express as sent by Ally Bank. On 4/9/12, I filed complaint regarding this matter with the FDIC who forwarded complaint to the Consumer Financial Protection Board (CFPB). On 4/11/12, I filed same complaint with the Utah Department of Financial Institutions. I received two copies of the same letter from Ally Bank (dated 4/25/12) in response to both complaints. Ally Bank did admit to one mistake by a Contact Care Associate (CCA) that contributed to the delay in my receipt of funds. I am willing to swear under oath that my records show that more than one CCA was involved in this matter.

My concern is that Ally Bank is doing this to a myriad of other Ally customers. Even at this website, under Ally Bank's page, there are complaints that are very, very similar (if not exactly the same) as my complaint regarding customer receipt of funds from matured Certificates of Deposits. I am noticing a pattern of behavior (or misbehavior) on Ally Bank's part in providing access to their customers' funds. Thank you for your time and attention.

If they closed "my CD account," how come they wouldn't help me? Whoever "closed" the account, must have done it on the telephone and had them send a check to an address different from my address. Ally Bank stinks and I hope they go out of business this time.

I told the customer representative, “If that's the way you treat customer’s money, you can close my money market account now,” which also had nearly $100,000 in it. Today, I just received an "alert" telling me that my money market account has been closed. These people must be idiots. If they're going to close a large CD before the end from a telephone conversation and send the money to an address that is different than the one on file, the least they should do is check with the person they intend to send the 1099 to. What else can I say about this "bank"?

On March 9 (within 10-day grace period), I called to completely close out the account and have all the funds including accrued interest sent to me considering it was not acceptable at all to not have access to funds when they delayed three times when I would get my funds. My principal and last year's accrued interested showed up in the wire transfer, but not the interest for the ten days. I called to complain and issue was escalated. Client service rep called me today and said they do not issue accrued interest for the 10 days since my account was currently closed. I think they are in violation of some laws for not paying me the ten days interest due.

I called customer service for an explanation of the agreement. They tried to refuse to help me without speaking to my husband. I pointed out that I am the one making the agreement. The rep raised her voice at me and told me to just agree to it. I asked for a supervisor. I was placed on hold for 10 minutes and then hung up on. I called to speak to a supervisor again. The supervisor tried again to insist that my husband must call. I explained again that I pay the bill. He then admitted that they cannot access the agreements that customers see. He kept trying to insist that the agreement was optional, but it was not.

I am extremely frustrated that I am being limited in payment options, and forced to give Ally access to my checking account, in order to make the car payments. I should get a bill in reasonable time to mail a payment, or not be forced to grant access to my checking account, except for one time.

I am trying to refinance my home and this vehicle has been nothing but a pain in my ass. I finally got the vehicle from the auction house and called Ally for a statement to be sent to my banker. The lady informed me that I still owed $64.00. In the same breath, she told me I had overpaid by more than $200.00. They have trashed my credit and it seems they have very little knowledge about their jobs. They are very hard to understand because of their accents and are extremely rude. I am so frustrated with this whole situation. There is nobody at Ally who is willing to help. They just keep telling me to check back tomorrow. I am in possession of the vehicle and am unable to prove it to my banker.

We need legal assistance with forcing Ally to take ownership of their mistakes and removing the balance owed and restoring my wife's credit. Ally has zero customer care nor does it have any open communication channels for handling customer desire for resolution of problems. It is obvious it is all about the money! They should recall their advertising scheme of "customer care".

I called back the next day to see what progress they had made. They started by trying to tell me the same thing about the electronic title. I yelled at them and told them they were supposed to have contacted Penn DOT and figured out what the issue is and what needed to be done to get my title. I was put on hold. Eventually, I spoke to another customer service rep who now told me that yes, Ally did have the paper title but they had mailed it to me in September. I said I had not received it and verified the address with them. I then asked for proof of mailing which they said they could not give me. I informed them that I had received nothing and needed the title. They said they would request a duplicate title from Penn DOT and mail that to me. I am going to call again to make sure they did that but I find something very suspicious about their behavior and their changing of stories. I am not sure that I will ever get my title. I believe they are required by law to send me my title when my lien is paid off and I believe there is a certain amount of time required. My attorney is anxious to sue them if they do not provide my title within two weeks. I wonder if I have a case against them.

The second payment was made 01/04, but that was accepted and the last time my husband spoke to this guy was on 01/06, when they agreed that since we couldn't make another payment until February they would speak about further payment arrangements then. We heard nothing more from Ally since 01/06. No calls or mail and today, a repossessor came and took our car.

We were told by the repo guys (who were very nice and patient and even helped me get things out of the car, as my husband wasn't home) that if we called Ally and could make an arrangement before they were gone from town in about 20 minutes, they could bring the car back. My husband called Ally from work and was not only laughed at but told that if the repo men were there, they could take the car for all the Ally reps cared.

They were incredibly rude and told him that nobody from their redemption department would even speak to him until 24 hours after the car had been in their custody (so, tomorrow). The car is now gone about three hours away to be held. Ally reps laughed my husband off. There is no record of the agreement he made with this Jeremiah and he has spoken to several representatives who have been beyond rude.

They have brushed him off and have been inexcusably nasty. We're out of ideas, we can make the payments we agreed on this month but there is no record of the agreement and nobody knows what happened to this Jeremiah (or won't speak of it, either way). They have record of my husband speaking to him last on 01/06, which is correct and our last two payments are in their system. We heard nothing more from them since my husband last spoke to them on 01/06. No letters, no phone calls, nothing. Certainly no warning that our primary contact from Ally, this Jeremiah, was no longer with the company and thus could no longer be our primary contact.

Shouldn't these phone calls with him have been recorded? Shouldn't there be at least recorded proof that he spoke to us about this? I have no idea what to do. My husband, obviously, is upset. I am searching for childcare for our two young children and will need to get to my new job in two weeks. My husband needs transportation to work. The repo guys told us they would hold the car for 10 days at their location. How do I even know this is true? I am so angry right now at how my husband has been treated. Please, if you can, avoid Ally Financial completely. I wish we could get our loan transferred to someone else.

It is now January 30 in the evening, and both of our CD account funds are in limbo land somewhere in computer heaven? Eric ** who supposedly is a supervisor with the Ally Bank executive resolution department in Western North Carolina kept insisting that the money has made it to TD Ameritrade's bank which is the First National Bank of Omaha. But TD has told us that our account can only accept wire transfers, and yet, Eric kept telling us that they sent our two cashed-out CD money accounts via ACH transfer which TD cannot accept with our particular account type. We don't have a checking account with TD and ACH transfers are only used for checking accounts!

We have also asked for interest due us, but now, they want to charge us $20.00 per account to do a wire transfer or to send us a check to us personally. Ally is the biggest joke. They might be open 24/7, but you can't get a decent or correct response; and the so-called escalation/problem resolution department needs to go back to on-the-job training. They don't care if they lost your money, since it isn't "their" money. I sure would like to know how Patrick from RI got extra interest from Ally. Do you know the president from Ally?

If it arrives, we have to wait 3 business days for it to clear and maybe we'll have our $ by 1/12/12, which is almost 30 days past maturity. When you call the customer service, you get agents from Washington or Pennsylvania, USA to Kichner Ontario, and there are no direct #s. You will be put on hold for 20 minutes and then routinely get disconnected. I will be reporting Ally to the Dept. of Banking in Pennsylvania where they're located, though they operate under laws of Utah, who will also get a complaint. It's gone to executive resolution, but no customer service reps or supervisors can connect to the executive reps we've spoken to. They ask us to resubmit info we've already provided and they say they'll attempt the same steps that have failed. We want interest from 12/20 to the actual day a check is sent.

Before all of this happened I was never notified of intent to sell my vehicle or that they were repossessing it. I went to get the release paper from the Bakersfield police department to get my vehicle. I took my release paper to American recovery to get my vehicle. They said wait 15 minutes for them to receive authorization from Ally to release the vehicle to me. While I was waiting, they then informed me they released my vehicle but it was on a transport truck on its way to the Bloomington auction yard in San Bernadino County. I asked them to find my vehicle and to return it but Ally said that they can't because it is at the auction yard. I was also informed I have to make an appointment to pick up my car but it has not reached the auction yard, has been lost in transit. So I called Ally, they said it is not their problem at this point. It is their problem they authorized my car to be transported.

They need to give me my car or reimbursed all the money I have paid including fees and interest. I even called the police department but they said it is a civil matter and they cannot interfere at this point. What can we do? In reading the laws of repossession, we followed the guidelines but Ally did not follow the law. If you would like, we can send the repossession law to you. According to the California repossession law my car has been stolen.

I informed her that I don't have anyone to put down, and all my family is out of state, and I'm not going to give her a total stranger's phone number. She states that she can't help me then, and proceeds to question my mothering skills and states, "what would happen to your children, if something happened to you? who would they call?" I might have yelled at her at this point, not sure. I hung up crying, and couldn't continue the conversation. The car might get repossessed.

I have followed it up every week since then, and still no refund check! It is November 22nd! Every time I call, I get transferred to a different department constantly. I can't even get a straight answer what the name of the department is that issues the refunds, even from a supervisor. Every time I call, they say it hasn't been sent yet, and they will start an investigation. Really! They are terrible. I actually called this week, was on the phone for 1 1/2 hours! They finally came back and told me it has not been sent, and they will look into it. I asked to immediately talk to the dept. that issues the refund checks. They transferred me, and the lady straight up lied to me and said it was sent.

I will be filing a civil law suit against them next week. What a joke. I shouldn't even have to go through this. Do not use Ally Bank for anything! You guys **!

When I found out what they did, I contacted them to try and clear up this problem. They were very nasty with me and although they admitted the claim was false, still demanded I pay them the full amount or they wouldn't have this "False Claim" removed from my credit history? Makes no sense, does it? Anyhow, for the record, I have never done any business whatsoever in the past with these people. Never even heard of them before this happened. I did have an account with GMAC, but that was fully paid off! Every payment was made in full, on time, never late and the car was turned in at the end of the original agreement "according to the terms of the agreement!"

I have sent Ally four letters so far, demanding they prove that I now, or have ever, owed them anything. They refused to deal with me. They also refused to back up their claim and supply any back-up documentation, proving I owe them anything, and/or to remove this malicious information from my credit history! They refused to contact the credit bureaus to fix the problem they've created!

These people are remarkable! They're "Crooks" and are using their financial strength and legal resources to bill me, and many others I found out, out of millions, if not billions, of dollars. They told me to go ahead, "Sue Them!" They are prepared to drag this out until they "Break me mentally, emotionally, stress-wise and financially"?

I guess, rather than admit they made a mistake/problem, face up and fix it, they think it's cheaper for their lawyers to harass me and try and beat me in court. They believe that if they do face the problem, they're liable for damages! They're certainly right about that!

The people who called were rude and yelled at you while you were trying to explain your situation. In September of this year, I had made several online payments; all of them ahead of time. I admit I was a little behind, but I was on the verge of catching up. I made my payments in one of three set amounts and never vary from them. I received an email from Ally which said, "Thank you for your payment of $508.73." I knew immediately that my payment had been changed, and it was not done by me.

I called them immediately, and, of course, they denied any wrongdoing. I spoke to a supervisor, and she then began to access my online account. (Remember, they don't have access to the online account.) Then she began to tell me that the payments were set up at around 10am on a certain day. Then she let it out that the payment that was in question was set up at 7pm on that same day. I told her I never accessed that account after setting up those payments. But, of course, they were adamant that they were right and I was wrong.

Since then, I have been continuously harassed. I am behind at this point, and apparently, there is no help for me from them. I spoke to Monique today, and she was the rudest person I have spoken to yet. I told her that I had no extra money to send her to catch up, but she just berated me and kept telling me I could lose my vehicle. I told her to come pick the ** up then. She hung up on me.

I am awaiting another harassing call which will come at any minute, I am sure. I hate this company. Previously, they have reported me to the credit bureaus for no reason, and I disputed it with the credit bureaus. Then it was fixed to my surprise. I will never finance through this company again, and I will shout from the rooftops to tell everyone not to have any dealings with them.

I cannot afford an attorney and am seeking other financing. I just hope they let me pay it off peacefully and without incident. I am sure they will give me trouble though. I am not someone who doesn't pay their bills, but things are extremely tight right now. They don't seem to care about the people who are keeping their company afloat. I suggest that everyone get out while they can.

I answered a call earlier and spoke to a representative. I explained that I just started a new job and just got paid today. She said that I was late on my payment! This is only the 20th and she is calling me. I told her I will be depositing the check after work tomorrow (Friday) and will send the payment. I told her to stop calling me and that I can't change when I get paid. She said they are allowed to call up to 4 times a day. I said, "Then stop calling up to 8 and not from 8 to 5 when I am at work because I can't answer my cell phone."

She then asked to verify my address. I said that I haven't moved since they called me the last time. This is stupid!

I received the letter and the amount was the same as the original contract, so I financed the amount and sent the check at the end of July. In August, I never received the title so I called them and they said that we owed $580 in late charges. I asked what the late charges were based on and I was told that I missed the 39th payment plus late charges. I told them that according to my contract, it was only 38 payments, which was paid in full. They told me that it was a balloon payment.

I cannot find anything about 39 payments or a balloon payment in the contract. They said that if I don't pay it, I can't get the title. I told them if this extra payment was included in the payoff letter, I would have included it in the amount I financed through another bank but it wasn't.

Even though I believe I don't owe the money, if I had the money I would just pay it. I have been laid off from my job and I don't have the money. I have been going back and forth with this company for three months, and I'm at my wit's end. What can I do at this point?

I also wish they would hire people that spoke English and understands the US. I hate calls from Indian people.

Now, I have had this account since April. I am very sick and I ended up getting chest pains since she called and said "fraud" to me. I take it very seriously and I ended up in the E.R. I gave the hospital a $50.00 check for my medication. I arrived at home about 1:15 a.m. and went on my laptop to see if my son had emailed me. He is in Iraq serving our country.

Then, I went to check online banking, and I am blocked. I thought that I entered something wrong but I did not. Ms. ** blocked my account for fraud. I asked the representative what was going on and he said that I committed fraud. My account is blocked due to Ms. **. Well, I guess I will be going back to the hospital due to the pain. Thanks, Ms. **! But I am not a fraud. I will be sending the bill to Ally Bank to her attention. Hopefully, I do not make it and she will be happy.

She stated that it is fine; made notations in the system, and that I would only receive a call in about three days if payment is not received.

I received another call at 10:31 AM. As soon a representative started speaking, I asked her if she read the notes in her system. She then tells me thank you, have a good day and hangs up phone.

I then received another call at 4:18 PM. I then proceeded to ask the representative if she read the notes in the system. She then tells me that the call is only a courtesy call to let me know that if they don't receive the check in the next few days I would receive a call then. I proceeded to tell her that they are violating the Fair Debt Collection Act; that I have spoken to them and since then they have called me 2 more times. She then tells me she is sending my phone number to the “do not call restriction list”, and I will not receive a call for 5 days if payment is not received.

I told her this should have been done after the first call, and this is now harassment because she was now the 3rd person I have talked to in one day.

The csr told me the new amount of payoff if recieved in 9 days. I wrote the check and mailed it that day. Then 7-8-2011 when the check had not cleared the bank I called csr again and they informed me I had late charges and accrued another $13 in interest. After getting nowhere for 26 min. I hung up on the phone and drove to an attorney office. She called csr and the whole demeanor changed. They agreed to wave late charges and accrued interest. I suspect Ally Bank has found a new way of increasing revenue "by Holding on to your check a few days and adding interest to your account".

On Sunday, June 12, 2011, for some unknown reason, I pulled my credit report and to my surprise there was a negative credit report from Ally Financial. The first was a balance of $108.20, which I had no idea was owed. The second report read as if I placed them in Chapter 13, which I did not. On Monday, June 13, 2011, I began making calls to this company to inquire about this balance and why were they reporting a Chapter 13 with a fall off date of 2017(?). I was transferred 16 times, placed on hold before reaching a supervisor. I explained the situation to her. She pulled my account and could see what I was saying was true, so Ms. ** responded with, "can I call you back later or tomorrow with further information?" To make a long story short; I was finally put in contact with Mr ** of the bankruptcy department who was curt and unyielding as to their wrongdoing.

Mr ** continually said that since they had to sell the car and only received $13,500 for the car and not the $18,000 market value of the vehicle, that I had a balance of $5,000 owed and he informed me to contact the credit bureau and file a dispute. I have leased many vehicles and never before have I heard anything so ridiculous in my life. That is why people lease vehicles and turn them in. If you do not like it, you are not stuck with something you do not like or one might like driving new cars every two or three years. I have contacted the state's attorney general and I am in the process of contacting a lawyer, and civil liberties to bring a discrimination charge against Ally Financial for the treatment of women.

I had to choose between making my mortgage payment and keeping my insurance. GMAC gave me a trial loan modification on September 2010, but on the same month they transferred the loan to Deutsche Bank and a few weeks later to another investor here in Southern California. All of these happened after I requested a copy of the note. I made all the agreed payments on time, but they failed to keep the promise to modify my loan, if I made the payments on time. I filed a complaint with the Federal Deposit Insurance Corporation (FDIC), and now the new investor is willing to work with me, but I know that there has been fraud, on the transferring and assignment of the note.

I would like to find an attorney to file a class action against GMAC. The following can be sufficient causes to file a law suit: taking advantage of mortgagors' defaults; verbally promising modification and forbearance, soliciting modification applications, and representing that certain written materials are part of the modification process; failing to grant promised modifications or reneging on contractual modifications; unduly delaying modifications; repeatedly telling mortgagors that documents are lost, missing, incomplete, or otherwise defective; proceeding with foreclosures based on mortgagors' failure to meet shifting demands; increasing principal balances and imposing late charges and other fees and expenses on mortgagors; hanging foreclosure over mortgagors' heads as they are dragged through the modification process; substantially increasing debts by incorrectly applying payments; and failing to keep accurate records.

The manager asked why we got behind on our payments, and I told him we had some financial setbacks which caused us to get behind. They both also told me that if we did not make a payment by Friday November 12, 2010, that they would send my account to collections, and also have my car repossessed, and that we would still have to pay off the loan. I told the manager that we could not make a payment until November 18, 2010, and that we were also trying to get our payment caught up before January 1, 2010, and the manager stated next year.

I told the manager that is in less than two (2) months. He said that that was not acceptable. I asked him if he knew that a lot of consumers in our country were struggling to pay their auto, home, and personal loans. I also told him that almost all financial institutions were working with the consumers to help us all make it through these hard times. He was not in agreement with my statement and told me this conversation was over. My understanding of auto loans is that most financial institutions will try to work with the consumer, and not repossess a vehicle until after the loan is 90 days past due depending if the consumer attempts to make some kind of arrangement. Please help.

I chatted with one of your CSRs, named Dale, and explained the situation. I was online with him for close to an hour, working on multiple issues. He told me he would have the bank operations team contact me about my external account problem (the Ally website would not let me enter the full account number and truncated it). He also assured me he would FedEx my debit card on Monday so my wife could then activate it for me. He also told me he would email me a form so I could do a wire transfer on Monday, as I need to pay some bills and the account where I have my mortgage, car, etc. automatically deducted from is still at my old bank. I tried moving some funds via online transfer but was rudely awakened to the fact that apparently takes 3-5 business days. So much for the promise of online banking.

This evening (Saturday), I checked my email account and found no wire transfer form. I contacted another CSR (Charlene - partial transcript attached as I got disconnected) and was told; a) Ally bank will not expedite a debit card and I should get mine in regular mails, and b) I could not do a wire transfer because the bank had not received my signature card (I had told "Dale" it was in my mail for the week when I got home late Friday night and I dropped in our mail for Saturday morning).

After an awful lot of cajoling and asking for a supervisor, I was finally told the debit card would be FedEx-ed on Monday. But, of course, I still could not use a wire transfer to pay my mortgage and car payment. I asked if the CSR could email or fax me another signature card and I would fax it to them when I got to my client site on Monday morning. No dice. Apparently, a faxed signature is valid everywhere in the United States except Ally bank.

The bottom-line is I have deposited almost 10,000 dollars in my Ally bank account and I can't use any of it to book my hotel for the week (guess I'm sleeping in my car) or pay any bills, very nice. To add insult to injury, I could have had my wife FedEx me the signature card last week and FedEx-ed it to you guys if someone would have bothered to tell me. I thought I was being proactive by asking on Monday or so if the debit card could be expedited. The CSR at that time also did not say that was impossible, just that I would definitely get the card before the weekend.

How can your CSRs be so poorly trained in a business where they are your only face to the customer that no two agents can provide information that is remotely consistent? Daily, the new debit card was deactivated and marked as lost or stolen. I spent hours every day on vacation trying to access my account. Ally eventually got the card working but I'm out a lot of billable time and a ruined vacation.