Ally Bank Reviews

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!!!

So far, I’m not happy with them, I purchased an out-of-state vehicle that they are financing and I can’t even register it in my state. The correspondence has been lackluster and the I don’t really care attitude shines through. So with that, I need them to send an electronic transfer of title to the state DMV office. My state does not recognize paperwork due to the high theft and crime of stolen vehicles, so the lienholder must send a documentation in order for it to be registered in the state I live in. So at this point, we’ve wasted plenty of time and the state will not extend any temporary registrations. I’m stuck here in the middle of this with a vehicle I pay for every month unregistered and I can’t drive it. This is not gonna end well for Ally.

I was a victim of fraud. I contacted Ally Bank and instead of helping me they closed my account. They caused me more problems because now I can't pay for all my bills and payments since they held all my money. So I ended up paying over $2000 more in late and cancellation fees.

0/5. After my mom passed we sent them everything they requested to put the vehicle in my father’s name. They wouldn’t give us the account number to pay the bill. And wouldn’t put the vehicle in his name until the bill was paid. We sent a check by mail because the online account was shut down. They repossessed the vehicle demanding $2700 including $440 towing fee to have the vehicle returned. I paid by wire as they demanded. Guess what? I call back to confirm the payment and now they’re saying they won’t return the vehicle unless the full $26,000 is paid at once. And will not put it in my father’s name until then.

I've used Ally for years with no problem. You would think as a long-term customer they would trust me. I got a check from a charitable organization and they thought it looked suspicious, so they locked me out of my account while they investigate. I don't think they are investigating. They said they called the bank the check was drawn on and for no answer, left messages and never received a call back. I called the other bank and they answered right away and said they had no messages from Ally. Now my pension money should have been deposited in Ally this morning and I can't even access it. They treat me like a criminal when all I tried to do was deposit a check. By the way, it's a legit charitable organization and a legit bank that the check was made from. As soon as this is over, I'm going to move over to a bank that has physical locations in my area. I'm done with impersonal online banking.

I've been with Ally for 14 years. I requested a large sum to be wired to my other bank for my new house closing. Instead of being done the same day as I was told, they kept it in PENDING for 1 and a half days. Each time I called to find out where the funds were, the representatives kept telling me it was being reviewed. I answered all their security questions each time I called, but that wasn't good enough. I offered them my blood type if it would help. Finally, I called up, stating that my house closing was going to be disrupted if they didn't release my funds right away, and then they finally did release the funds. They accepted my deposits with no trouble for 14 years, but when I needed them to step up for me and wire my funds, they hid behind PENDING to hold up my funds. Beware of Ally because they are NOT your ally.

HORRIBLE, one star is too much. They don't listen, they talk over you, and they never offer solutions. It is a nightmare dealing with them on the phone. I have to make three to four calls for every issue, and it is usually their issue. They have tried to repossess my car while the payment is in their possession, it just hasn't been processed. DO NOT WORK WITH THIS COMPANY! I have never had a worse experience with a company as a whole.

After 42 months of making on-time payments on my lease, Ally asked me to pay a $422 fee for returning the car to the dealership. I spoke with customer service and a supervisor, but neither could provide proof of this fee — they just insisted that I had signed for it, which I did not see or agree to. The entire process was frustrating, and I felt dismissed at every turn. Based on my experience, I cannot recommend Ally Bank for auto loans. The service was poor and unprofessional.

NOT recommended. Extremely poor customer service. repeatedly. Lowers Money Market interest rates with NO notification! Would not honor their claimed 1 day transfers and would not tell me why costing my lost interest of $60 for the additional 2 day wait. There are much better places to put your money. Some will even recognize that you are the customer! I pulled all my money out.

I’ve had a very frustrating experience with Ally’s customer service. For over a year, I made consistent monthly payments through their app without issue. After filing for bankruptcy in March (this account wasn’t included), I was no longer able to make payments through Ally’s site—something I wasn’t informed about. Because of that, I missed a payment while switching to my bank’s bill pay system. Since then, I’ve paid monthly, but Ally repeatedly claimed they weren’t receiving payments—even though they were clearly withdrawn from my account. I had to send multiple emails with proof and contact support several times before they finally applied the missing payments. Then the same issue happened again.

I never knew anything about Ally Bank until now. They are accepting applications yes plural! From any and every car dealerships! I never had a contract to buy a car with anyone! But the dealership that I clicked on or called about a car somehow got all of my information including Social Security Number. I checked my score with Equifax. It was significantly higher that what Ally said it was. This keeps happening over and over! It started with two places CARMAX MOBILE AND ENTERPRISE CAR SALES. Things must be desperate in the car business. I have not bought a car or wanted to since 2011.

I have been seriously unimpressed with ally auto. The staff have been very cordial, but surrendering my deceased father’s car has been a nightmare. Multiple transfers, conflicting information, dropped calls, and no resolution. Absolutely would not recommend Ally auto lease.

I would give them zero stars if it was an option. I have been with Ally for 15 years and have never been treated by any customer service rep as I had with Eric in the fraud department. He told me I was being scammed. I told him no, I wasn't. I should know. Just because I have money deposited into my account and then taken out means nothing. They had to know every detail. If they reviewed my account, they would see I was not. I can give my banking information to whomever I want to. It's my account and I am not costing Ally any money loss. I've never had any check bounce. I think the truth is they don't make money off of me. I deposited my SS check, paid bills, rent, I did credit card transfers to pay off other cards to get a zero balance transfer but they see that as I'm giving my money to someone else. I had no money to give.

I purchased a new construction home and immediately updated my mailing address. Since then, I have been getting threats that my account will be closed since it is not a real address. I have tried to resolve this three times. After the first two attempts, I was told that the back office had tried to contact me several times. I had received no messages on their platform, no emails, and no phone calls. I am still getting emails saying that my account will be closed. It is a bunch of unnecessary stress and work on my end. Very poor customer service and messaging that aggressively targets new homeowners.

Do not bank Here!!!! I made a transfer of $8000 to my regular bank. And it got Key stroked 10 years into the future 2035 for it to be deposited. I have called them every day in the past two weeks several times a day. All I get is the run around and never get to talk to a manager. Every time I call I am really nice. I got reference number and tracking number. I got one employee who told me it was set to arrive in my account in 2035. But they are refusing to fix it. They say it's impossible. Day one complaint!!!

I never leave reviews but this is the worst bank of all time. They dictate how much money can be withdrawn from your OWN account (this does not happen with my other accounts with other banks). Their rules and policies are so confusing and dealing with them is overall frustrating. I NEVER KNEW I COULD ACTUALLY HATE A BANK. I do not recommend anyone to bank with these people. I spend hours on the phone with this bank each week trying to get access to my OWN money. I’m closing my accounts with Ally and I will not be looking back.

Ally required me to pay for notarizations ($30) and CPA-prepared financial statements ($375) before they even reviewed my income for a refinance application. In total I spent $405 on documents they demanded upfront, only to be denied credit once everything was submitted. No lender should force customers to pay for notarized paperwork and accountant services before basic income verification. The process was unfair, costly, and wasted my time — I would strongly caution anyone considering Ally for auto financing.

I deposited a check. The check cleared. I transferred money to my other bank. Then, their fraud department stopped the transfer. I called and verified it was me. Had to wait 3 days. They then made me have the check issuer call and verify it was them. Then, they terminated my transfer ability. I called and they opened a case and said they would get back with me in 2 days. 3 days go by, I call them. The Indian call center has been asking me to hold for a "brief 3-4 min" hold for, at the time of writing, 1hr and 6 min. They will not allow me to be escalated or speak with anyone else. They are essentially holding hostage my funds for over a week. Insane experience. I will be canceling my account once I can get my funds out.

My family has been trying to open an estate account with this bank for one month now and they keep asking us to re-submit the executor certificate. The executor was appointed a few years ago but we have re-submitted an updated certificate that establishes that the certificate remains in effect. Yet the incompetent and lazy bank employees ask for an updated certificate although we submitted an updated certificate that is less than one week old.

Refused to loan us money for a truck, sent us a letter filled with discrepancies that didn't make sense. It was just crazy, and the weird thing is my credit score is 842, I've lived in my own home for over 10 years and never made a late payment on anything in my 30 adult years. I don't even have a job, I'm a stay at home, and it said my credit score was higher than my husband's! We ended up using straight up cash to pay for the vehicle we needed.

My vehicle was repossessed by Ally at the auto body shop while I was in court with the shop. A hearing is scheduled for September due to the shop's failure to properly repair the vehicle. Ally claimed to have paid $5,000 to the shop on my behalf, as I had not paid for the repairs, despite having proof that the shop had already cashed the check. My vehicle contained personal belongings valued at over $1,000, including a leather chair, dashcam, a friend's package, floor mat, phone holder, and another package, which Ally refused to return. Ally falsely reported to the credit bureau that I had missed the August payment, leading to the repossession. When I contacted Ally, they either hung up on me, placed me on an extended hold, or yelled at me, demanding payment of $5,000 plus a $599 interest fee to retrieve my vehicle. I attempted to explain that the auto body shop had misrepresented the situation, but Ally refused to listen.

I’ve banked with Ally for over 10 years and recently experienced a serious failure in their process. I deposited a $2,450.15 check from a source I believed was legitimate. Ally told me it would take two business days to clear and that I’d know it had cleared when it showed in my available balance. Two days later, the funds were available, so I made withdrawals. The next day, Ally reversed the deposit, calling the check fraudulent, and removed the full amount from my account.

I called customer service to receive help connecting to the Ally.com website. I had followed all the suggestion from Mozilla and Chrome but to no avail. I had to talk to 3 customer service reps before I could find one I could understand and one that could grasp the issue I was facing. I can connect with my I-phone but not by Windows based desktop. I cannot add more payees unless through the website. After seeing the overwhelming number of negative review I an seriously considering switching to another online bank. I've been a customer for 15 years but never had these issues.

Don’t use this bank at all. They have no physical virtual card. If you set up direct deposit you cannot use your money yet until going debt card come and that is crazy. Plus they charge 20 dollars for a wire transfer and you can’t even get the money right away. What is the point of the charge and you can’t receive your money right away.

Ally Bank restricted my debit card and then "closed" my account. They didn't notify or tell me this, so I found out when trying to use my card to pay my mortgage. I tried to make a transfer to another account, and their system said my account was restricted. When I called, they claimed my account was closed because it had been compromised. I told them my card was in my possession and not compromised. They insisted my account was closed and the only way to get my money out to pay my bills was to close the account and wait 7 to 10 days for a check to be mailed to me.... which is going to cause me late charges for all my bills!

5 Years of solid payments. Website error caused a late fee. Contacted and told them I'll pay off entire remaining balance if they waive the late fee cause by their error on their site. Told me to make the payoff come back and they will reimburse the fee. I did that, came back and told that it's not possible. They Lied to me and got me to pay it off and then kept the late fee they were going to waive. Just flat out lied to me. Fraud. Don't trust them. Won't ever use them again for anything.

Twice now I've gotten past due notices on an auto loan when it was paid & then withdrawn from my bank account the beginning of the month. If your due date is at the end of the month & you pay your bills at the beginning of the month, I guess that gets just as confusing as double payments. The whole point of this loan was to build credit & I’m pretty sure it’s dragged down now. At this point I need to make sure I've been credited for all the payments made so far, get a payoff quote & get away. As a former bank employee trainees were either watched before allowing them on their own or let go. Totally incompetent.