Ally Bank Reviews

On today, 12/13/2023 I was trying to Zelle money from my Ally bank to my Citibank account so that would be able to pay a bill. The Zelle did not go through and a message was received to call the bank. I called and found out that my Zelle was restricted and I was transferred to loss prevention. They asked me questions regarding my cell provided which I didn't find relevant to me accessing Zelle. After multiple conversations with different incompetent individuals, I finally got a person who I thought would be of help. Wrong, this person not only didn't help me with the Zelle restriction but by the time I was finished with the call she (Tracy) had restricted my entire account.

Ally auto loan customer service is non existent. Easy to get loan from, but they continued to take auto payments from my checking acct. The customer service girl spoke broken English at best. And reminded me that I took 7 minutes to explain problem. And told me repeatedly I was being recorded. After 30 minutes she agreed that I was due a refund. She also had me on mute for 3 whole minutes while yelling, ''Are you there, can you hear me?'' I guess most people would've hung up but I waited. She came back on and said she had technical difficulties. For this reason alone I won't deal with this company again.

If I would give them no star I would, they are very unprofessional and can barely understand them. They are constantly asking for you to repeat what you're saying because they don’t understand English. I called for them to help me out because I'm in a situation right now so they won’t report late payments on my credit and they refused to help me out. Got me so mad that they are willing to put you in jeopardy. I’ve been so consistent with them for the last two years not missed one payment and they are acting like I’m this horrible person that don’t want to pay up. So you know what take this Ally Bank. I hope this helps people. Don’t go with them. They are horrible at helping you out in a rough situation.

THIS IS ABOUT ally.com INVEST. Horrible and beyond horrible AND they should all be in prison. I HOST a tv show on SCAMS and no scams. AND THEY ARE In my face JUST daring me to get them arrested. THEIR on the phone INVEST reps TELL ME that their INITIAL on the phone INVEST REPS lie about how OFTEN then manually manage the INVEST side. THEY MANAGE it VERY unoften. THUS helping your MONEY collapse into the 11.2 % abysmal contraction that hit the MARKET in the United States.

The fact that I have no access to my money when I canceled a card for fraud and 7 days later still no new card, should tell everyone how much they care if we have access to our money for food, gas, etc.. Get a local credit union!

Double charged causing my checking account to overdraft. I don't get paid for another 10 days. Contacted them this morning before the payment posted. They said they'd be happy to help! Within 17 short business days I can receive a paper check. Why couldn't they stop or refund the payment? No reason given. Why can't they refund electronically? No answer given. How the ** am I supposed to eat? No ** given. Best part, I only found out I was being double charged today via email. The due date/posted date was YESTERDAY. All in all this is only my second month with them, and I couldn't recommend them less. Santander does a better job hahaha, that's sad. Avoid like the plague y'all. Services aren't that great to begin with and their customer service is about as helpful as a genital wart.

I am a long time customer of Ally Bank and as of two weeks I closed out all my accounts in Ally Bank. Their customer service is non existent. You can't get a live person and when you finally get someone to call you back they disconnect you. Tried using the chat or email service and even though they say someone will get back to you in 24 hours you are lucky if someone gets back to you in 5 days. When you do finally get to talk to someone the information they give you is incorrect. I am now waiting over 3 weeks for a final distribution from the last IRA I had there. The account shows closed over 2 weeks ago and still no check.

OMG! This company doesn't employ English-speaking staff. I've called twice trying to figure out how to set them up as a payee to make auto payments and they don't understand my questions and I'm having such a hard time understanding them. I will never go through this Ally Financial!

Ally financial bank have took payments money of $ 1,114.36, from my mercury credit card on November 17th 2022 process to Ally financial processing center PO Box 78062, I called them and they claimed that no payments was not made, I gave them the reference number and they still say no payment was made, mercury credit card number 1-866-686-2158 will verify payment made on the November 17th 2022 to Ally financial payment processing center PO Bo 78234 Phoenix AZ 85062.

Initially heard of this company when we got approved for a car loan through them around 2 years ago. Since then, they've sent us numerous promotional emails offering bonuses for opening bank accounts. To receive the promotional offer, we had to set up the account to receive a qualifying direct deposit within 60 days. The same week we opened the account, my fiance set up the direct deposit. When the next pay came via check instead of direct deposit to the account, my fiance went back to ensure all the information for the direct deposit was correct and there were no errors. After verifying that everything was correct, he spent the next few weeks trying to troubleshoot with his employer as the direct deposit continued to have issues.

Ally may be good for personal banking, but terrible for auto loans. I got their app and made my payment. It rejected my payment. I called and had to jump through hoops to speak with a ally customer service representative. I tried to pay earlier than due date to not face any charges or issues. They told me it was an issue on my bank's end. I called my bank, had a nice long informative conversations. They said it was definitely on Ally and explained why. I called Ally back and told them what the bank said. Well just so convenient they denied it, blamed my bank and said I could pay on their telephone line which charges a fee. They did waive late charges after I became very animate I was not paying the late fees and emailed them all 4 rejected attempts to pay. I asked the representative 3 times to set my account up for automatic payment to come out on the 15th day of every month. Well that didn’t happen.

Ally Auto has terrible customer service. Terrible representation made an error on our account back in 2019 and I've been trying to rectify the problem since. This has caused a multitude of issues! Every time any discussion is had on this, they don't listen to anything or to to fix it, they just send a packet of paperwork (the same packet). It has affected my status on my account along with the credit bureaus even though a payment has been made IN FULL monthly. I have left voice-mails, taken advantage of their online portal, and even emailed. Have been waiting over a month for any sort of update on the research that was being done. Fix your mistake and fix my account!! IF YOU CAN AVOID HAVING THIS COMPANY FOR YOUR AUTO LOAN DO IT! IT'S NOT WORTH THE HORRIBLE CUSTOMER SERVICE YOU'LL HAVE TO DEAL WITH.

Every... Single... Time... Every single time!!.. I've contacted their customer service I am on hold for AT LEAST 20 minutes. And I've called over half a dozen times on various days of the week at different times of the day. They freeze my card ALL THE TIME!! Even after I respond to the text confirming the transactions!! Then there is NO WAY to have it turned back on but to call and sit on hold for over 30 minutes!! ALLY BANK....sucks!!!!

This bank is an absolute joke. They twist words in their documents to better serve themselves. I paid my entire load off in full and they attacked me with a disposition fee that is designated for repurposing and selling the vehicle which they don't even do. The dealership does. Now I am being threatened to be turned over to collections all because I didn't want to take my next loan through them because their rates are terrible. Customer loyalty is not a concern to them. And when I finally get them on the phone they are rude and non responsive. Buyers beware.

We are trying to close a account and get money out of Ally. LONG wait times and then a disconnect and another LONG wait time. Multiple calls, Letters and emails and nothing but LONG wait times and more disconnects. We still have not resolved this issue have to go to the FDIC and other governmental agencies to get our money out. Once out... never back.

I called Ally Bank on November 4, 2022, at 7:40 P.M. Mountain Time and received a recording that said my estimated wait time was 32 minutes, REALLY! Why would anyone want to wait 32 minutes on hold to speak with a representative?! I called the customer service number at 3:30 A.M. and received a similar recording! Ally, you are a bank in decline! You lag behind the competition on interest rates you pay and your customer service SUCKS! I moved most of my money to a bank that pays 0.55% more on an online savings account. I do not recommend this bank unless you want low-interest rates and terrible customer service! Someone that runs a hot dog stand a Wrigley Field could do a better job running that bank, HONESTLY!

Ally Auto does not care about customers affected by Hurricane Ian!! I never comment on a company like this, but I’m absolutely outraged with this company…I was affected by Hurricane Ian and contacted them to let them know I needed to have a one-month extension…Just ONE month!! I was told that everything would be fine and there was no problem. (My account is always in good standing.)

10/28/2022 Online access has been unavailable at least 2 to 3 x per week in recent months. I find that worrisome and suspicious. Call wait times are usually 45-75 minutes. This bank is on its way down like CITI bank. We are getting our accounts out of Ally in the coming week.

This is a terrible bank with terrible customer service and representatives that tell you the account portal to manage your money is wrong and not accurate. Why would an online bank have such issues? They are not a good bank. I'm finding another and hope you will not waste your time with them.

The third time I’ve contacted them this week: I’ve paid the October payment already. Your website never accepts any of my debit cards so I have to call to make a payment. I called yesterday to fix this issue because I’m getting late payment reminders twice a day and I’ve already paid. This has become a nuisance for me when I’ve made my payment. The late charges are supposed to be dropped (or so I’m told, you record your calls so feel free to listen to that being confirmed by your employee) because your website doesn’t take the same card that suddenly works over a phone call payment.

Ally Bank ruined my real estate closing for my first home. They were unable to process a simple wire transfer. Hold times were hours long. No one could give me any information. Terrible customer service and not a bank you can trust. They are unable to handle any sort of financial transactions. And you also can't get certified checks easily because there are no branches. Trust me - bank elsewhere.

I have been with Ally Bank for 1 1/2 years. I switched from the BIG THREE because of the interest rates Ally offers and the fact I don't usually have to go to a branch for my banking. I have noticed several things that just aren't worth the interest. Their App has constant login issues and their hold times can be up to two hours. I needed a Cashier's Check and was told I just needed to call in and they could overnight whatever I need because they were online only. When I was ready to do this I was on hold 1:45 before a CSR answered the phone. It took another 45 minutes to process the Cashier's Check which I informed them I needed to be sent overnight.

I have an investment account with Ally (which I will be closing), and rec'd several emails about a promo rate for opening an online savings account. I used the email link to go through the process of opening an account, but upon submission of all the details (which pulled from my current account), I rec'd a message saying the account could not be opened at this time. I decided to reapply again the next day. This time I was told my account was successfully opened. Then I was given the option to fund the account, which I selected yes. I completed the transfer info, but suddenly the page went directly to my investment account. I called their phone number and was told the hold time was an HOUR!!! There is no information about an account being opened. I don't know what will happen to the transfer I initiated. This is a scam. Does anyone even work there? I will be transferring my investment account ASAP.

This bank froze my account the day I got paid. I called to see what the issue is and I was on hold for three hour and still nothing resolved. I had to call back and verify and the issue still wasn't resolved. All I want is MY MONEY and this bank is giving me the run around! DO NOT BANK WITH THIS BANK! You will eventually regret it.

I have been a customer for more than 6 years, but will be moving all my assets to another bank. Their customer service regularly takes 40 minutes to an hour to pick up the phone. At least once a month I am locked out of my account and then forced to call, which eats no less than an hour out of my day. Stay away at all costs. There are too many other banks to choose from who actually at least pretend to care about their customers.

I recently moved to Japan for a year. I spoke with a representative and informed them that I would be on an extended stay in Japan. They assured me everything was in the system. I also told her that my phone number would be ported to google voice while I am gone. She told me I could have most security issues handled through my email and I also gave her my Japanese number just in case. My card was blocked and would not work. I messaged for help on the app and they sent me to the fraud department. I called them, which costs money since I am overseas, and they took 30 minutes to answer. Then the fraud department told me there was no fraud case on my account and there was a mistake.

Ally Bank is terrible. They do not know what they are doing. Missed deadlines on distributions on IRA's twice and they are horrible. Do not bank with them ever. Worst bank ever!!! They hung up on me because they knew they they were wrong!!!

This company says they are an Internet Bank BUT they won't do much electronically. Five years after paying off my loan the lien is still on my car at the BMV, naming Ally as the lien holder. FIVE YEARS! BUT when I called Ally to get a lean release letter they won't email it! They will FAX it but not to me to the BMV! Who even uses faxes these days? Even the BMV's faxes are delivered electronically to their computer! SO why not just email it! I messed with Ally trying to get them to fax it for 10 days with no luck so I just called to have them mail it. I was told 7 to 10 business days! WHY! Are we in the 21st Century? Are they?

Ally Bank does not stand by their fraud guarantee. I was recently the victim of fraud where someone used my debit card and pin to pay for items in France. I have never been to France and never use my debit card for purchases. I have no idea how someone could use my card and pin when I was in physical possession of my card in the United States. Nevertheless, Ally bank took the position that because the criminal used my pin, Ally was not liable for the transaction. Ally bank is a complete scam and I urge anyone to take their money out before you have the same experience. Their fraud department won't even allow me to talk to them. They will not show me any evidence, video or proof of the transaction. I am so disappointed in this bank.

I have used Ally Bank for 15 years and had no issues. I had heard some of the negative reviews but I thought that was just a fluke with other people. Just this last week I realized how wrong I was and should have moved my money out. I tried to send a wire and Ally asked me to call in multiple times "for security reasons". Not only was this annoying just to send a simple wire, but because of the inconsistency of their policies, I was locked out of my account. I called back multiple times and one agent, let's call her S, starting yelling at me, cutting me off mid sentence and just hung up on me. (The other agents were friendly and professional). Now my account is not only locked but also frozen.

Used them for years.. Guess they grew too big. 45 minutes to hold for a customer service representative. NO Callbacks. No answers to Emails. It's a shame used to be great. Removed all my funds.. Still no answer from them! Bye.

Updated on 09/24/2022: This is an update from an earlier post about Ally Bank shutting my checking and savings account without warning or explanation. I had reported them to BBB and they actually responded to my review. They sent me attachments of letters they sent me. Ones I never got. The only one I received was the one saying account closed, check section 35 for reason. Reason was no reason. They can close your account for any reason at any time. The letter they probably made up said there was possibly fraud and to protect myself and them. Thank you Ally for looking out for me! Oh and thanks for leaving me scrambling to open a new account and deal with direct deposits and auto debits.

I'm a new member and each time I've had to contact customer service I've had to wait on hold 20-30 minutes!! Every time!! Doesn't matter time of day or day of the week. They froze my account, I was not able to use my card at all and had to wait on hold 30 minutes just to get on the phone with a representative who said they wouldn't be able to help me and that they would transfer me to a department that could. She transfers me and guess what? It's to the automated debit card activation line! So what do I have to do? I have to call back in and wait another 30 minutes to talk to another representative only to be told that she has to open a case with loss prevention who will try and get things sorted out within 24 to 48 hours. In the meantime my account is frozen. I have zero access to my own money. This is absolutely unacceptable! DO NOT open an account with Ally Bank!!

Several years ago I moved a large part of my cash retirement savings to Ally to get better interest rates. The interest is better than my credit union and old bank, but beware. This is my third time to need to access my account to move money and a am unable to access my account. After >30 min on-hold and speaking with customer service, they were unable to get me into my account, despite giving all security info and doing "troubleshooting". I was then told it would be at least another 15 minutes to get in touch with technical support. My only option at this point was to move all my funds out to my other bank. The customer service person did this very efficiently. I will get my funds in "3-5 business days." If you want a fraction of a percent more return on your savings it might be worth it, but not for me. I Thank God this isn't an emergency.

Been with them for years. I was trying to open up a second savings account. I had significant funds in the first one. They quite literally made it IMPOSSIBLE. I tried calling, chatting, and emailing. When, after almost an hour on hold, I was instructed to send some documents to them via a specific email address. I did, and two days later I got a letter saying that my husband was NOT APPROVED for the joint account we wanted to open. I will not tolerate this lack of attention to detail. I closed out my first account as well. There are entities paying MORE, who provide the appropriate levels of customer service.

I have been an Ally customer since 2018, when I opened a basic savings account. Since then, I had opened a checking account, a money market account, a Roth IRA savings account, a traditional IRA savings account, and a custodial account for my disabled daughter. I also helped my husband open a Roth IRA savings account and a traditional IRA savings account with them. Since then, my husband has retired and now he has a terminal illness. All we were trying to do is to do a direct rollover from his 401(K) from his last employer into his traditional IRA at Ally.

Have had Ally for about 4 years and use it as my main account for direct deposit and paying bills. Everything was great; the ease of use, ATM fee reimbursement, Zelle access, higher interest rates, etc. But, this year I have had fraudulent activity on my debit card, two of which were in the last 3 weeks. A quick google or twitter search show I’m not alone; there are thousands of Ally customers currently experiencing the same problem. It’s so bad getting through to Ally on the phone (which is required to report) is nearly impossible; took me two days of calling multiple times to finally get help for the incident a few weeks ago. Quickly received a new debit card & hoped that would be the end of it but, it’s not-another fraudulent charge was attempted yesterday on the brand new card.

I purchased a vehicle through Ally and paid it off with no issues a few years ago, but this time around, the call and talk with a representative is HORRIBLE. Every time you get an individual that don't speak English and you have to keep repeating the same issue over and over again. That's not my issue, I have been paying my vehicle payment the same way for a year now, never had an issue, and this month, sent 4 money orders totaling my payment. I called on Friday because it showed only $300 of the payment, after speaking with a rep, on Monday, another $308 was accounted for, it still saying I owed an additional $297. This has driven me to go to Navy Federal and get the payoff for this vehicle, so I mailed it in and now all of a sudden, not received it yet.

I sold my truck and the credit union paid the loan off but Ally still took out the payment from my checking account, so I called and requested the paperwork showing when it was paid off. I received the paperwork in the mail on Saturday so I called Monday to find out when my money would be put back into my account and the lady told me that they just received the payoff, so I asked her why I received the letter and she told me that it was just paid off today and the letter was not true even though it was signed. Then she said it would be 10 more days to put it back into my account and then to top it off they would have taken September payment out if I would not have said something to her. Will never Ally again.

I was notified about fraudulent activity Sunday morning at 7am. Called the fraud line (not the same as Ally 'customer service'), and confirmed 6 fraudulent charges. Got those cleared and the card 'locked'. At 8pm I got an email notification that another fraudulent charge went through. At 930pm on a Sunday my wait time was 1 hour and 20 minutes to report the fraudulent activity. I was bring to their attention that the fraud issue I spoke with someone about that morning was still occurring. Their solution was for them to allow me to 'dispute' the bill which is pretty insulting considering they were well aware of fraud charges within the past 24 hours.

A few months ago, I received a fraud alert from Ally. It took quite awhile to get through to customer service but when I did, the representative took care of the issue and re-activated my debit card. However, it declined at a store that same day. And then, received notice that several bills connected to this account declined and I had fees as a result. It took over an hour to get through to someone and she said she again activated my card. Wrong! It declined again at Costco. Another long wait and spoke again to someone after asking for a supervisor, she said that she was able to fix it. Wrong again! It declined at Home Depot.

I have an auto loan through Ally and also purchased the warranty they offered. My car's engine failed and I have been trying to get it fixed since April 25th. The warranty that I purchased states that it does cover the engine and Ally keeps having the service center jump through hoops before approving the replacement. Apparently there are different levels to a tear down of the engine to check for an engine failure, well, Ally tells the service center to do a specific tear down so they do and they send Ally the report then Ally comes back and asks for the next level of tear down, the service center is now on the third level of tear down and waiting for Ally to respond to the report. Oh and they will not authorize me to get a rental vehicle until they have approved the work.

I have been with this bank for less than a year. I have had my debit card locked more times than I would like to count. Each time it is for "fraudulent" activity. This fraudulent activity is my normal grocery shopping, cable bill, electric bill, water bill, cell phone bill, rent, etc. I don't buy anything extravagant. I do order from DoorDash about 3 times a month, but again, that is a regular occurrence. It isn't something out of the ordinary. Each time I call, I am on hold for over half an hour. I get transferred around from one person to the next.

I had my car financed through Ally and had recently in May have paid the car off and I HAVE YET TO RECEIVE the tittle or Lien Release. I have been calling for months all different departments and have spoke to numerous people and still have not received my lien release. It is absolutely ridiculous. I recently wrote an email to the CFO and had my concerns escalated to still not get ANYWHERE. They are the most disorganized company I have ever dealt with! I do not understand what the issue is! I have been told that "it is in the mail" now for months and still have not received. I have spent countless hours on this just to get something that is rightfully mine. As of today 08/07/22 11 am I am on the phone with them and have been placed on hold yet again for 30 minutes and still no one!! Please do not use this company!!

Do yourself a favor and stay far away from this bank when leasing or for any loans!!! Worst bank ever. They keep taking stuff away! As of July 2022 they decided you can't do a private lease transfer anymore! Do not use this bank.

I am locked out of my account. I must call Ally to restore Access yet the wait time to speak with an agent is always at least 20 minutes. If they don’t offer adequate customer support, then why require me to call?

I used Ally bank for my auto lease. The monthly payments were pretty straightforward via the website. However, I bought out the lease and my experience was awful. They had no problem taking my money, but then never did any of the work to complete the sale or title transfer. It went on for months and is still not resolved. Every time I called, I waited for 30+ minutes only to be transferred to another department that did the same thing. No one takes accountability and many of their representatives were rude and offensive. Some of the worse customer service I have ever experienced.

I have a had a auto loan through ally for 6 years. I traded the vehicle in. I spoke to the representative she assured me that the automatic payment would not be taken out. Well a payment was taken out. Now apparently they will not put it back in my account. I have to wait 10 days and then another 7 to 10 days for them to mail a check.

Had an auto loan with Ally and paid it off over a month ago and still do not have the lien release. Next-day mailed them a payoff certified check, only to learn they don't process it at their next-pay PO box and they forward it to another payment processing center that can take 7-10 days to process. Then they never sent the electronic payoff notice to the DMV. Spent hours on the phone over multiple calls with customer service reps that can barely speak and English and couldn't provide answers that were not on their list of issues they were reading from. I continuously got nowhere. I would never get a loan through Ally again.

I have a joint checking account through Ally Bank with my son who is in college. In April, two charges for $407.00 (total $814.00) were deducted from the account from a Western Union in San Francisco (we are in Florida). We reported the fraud to Ally Bank immediately. In June, we received a letter from Ally that they conducted an investigation and determined the transactions were authorized and not fraudulent, so they would not refund the $814.00.

I've been a customer for years. I get paid through Cash App which was directly linked to my Ally account. My money would arrive in my Cash App, and I would send it instantly to Ally with no problems. Starting in March, however, my money would take several hours to show up in my bank account. They claimed they were doing a system overhaul. The last time I did an instant transfer, it took 12 hours for my money to show up. It was a Friday, and I had bills to be paid before the weekend. Luckily, none of my bill payments were declined or overdrafted, but the stress, worry and frustration was overwhelming. Not only that, but the money I spent for doing those fees to instantly have my money available, added up over the course of 4 months.

The worst banking experience of my life. And one of the all-time worst experiences in my life, period. Ally isn’t a bank. Ally is a punishment for your lack of research and naïveté. They are incompetent, they are liars, they are not even a complete product. My first experience with Ally was trying to buy tires. I was in the tire shop for FOUR. HOURS. I called over half a dozen times. I was put on hold for over half an hour EVERY TIME I was put on hold. I was hung up on. The reps who DID speak to me, gave me a different explanation and solution EVERY single time.

Ally declined a payment using my debit card to a GOVERNMENT OFFICE. Tried to contact them as there is a mountain of cash in that account. They said I had an 18 minute wait. Now going on 30+ minutes and still waiting. The computer tells me how important I am to Ally but OBVIOUSLY MY ACCOUNT MEANS LESS THAN DOG POO TO ALLY. I can not ever recommend Ally Bank and will be moving my money elsewhere. Shame on you Ally!

Requested a transfer out of 100k. Ally was unable to verify my external account. I later was able to verify it. They have yet to return my 100k. 100k has been missing for 3 weeks now. I have called customer service multiple times with no ETA to resolution.

After first reporting of fraudulent account opened two weeks ago, I am still no further in Ally Bank removing my information from their system. Every time I contact them, after a 20-minute wait, I am told something different. It appears for Ally Bank the person or persons who opened the fraudulent account have more rights than the person whose name the account was opened in. I filed a complaint with the Better Business Bureau but people should be alerted that this is the worst customer service imaginable with a financial institution.

I've had Ally Bank for years, mainly for basic checking and savings. Lately, they've had frequent system outages and the Ally Bank app no longer functions at all. They need to resolve their technical issues first and foremost! I recently began to build my business and attempted to add an external business account to transfer funds from Ally. I verified the account with Ally, per their policy, by confirming the trial deposits sent by Ally. Instead of granting access, Ally flagged the account for fraud and is restricting access to ALL of my Ally accounts.

Ally invest closes accounts without reason and notification to clients. I was one of these clients. Tuesday morning 06/21/22 when the indices down premarket 2 percent or so they randomly closed my account and froze my funds. It's now the 27th and I still haven't seen my funds and have to buy my investments back between 15 and 25 percent higher depending on the stock. I was not maxed out on margin, had not been warned about anything, had not violated any day trade rules. Many staff were rude and just said, we can close any account any time without notification. Although the reality of this may be true, it greatly affected my family's personal finances, it cost me nearly 25 percent of my entire savings without me having done anything. Their current BBB profile has dropped to a 1.13 rating and even that's too high. Do yourself a favor and stay far away from this company.

I got a small loan with Ally and have been paying it off slowly (first of all I was told it would be on my credit to help it grow and that is a lie). I set up auto payments so I never have to worry and for some reason. It just stopped and they started charging me late fees. I was traveling and didn't even realize it was late till they gave me a late charge. No biggie. I've never been late before. I will just talk with a manager to clear it up. It took the manager like 3 months or more to call me back to settle it up with more late fees tacked on. I could have paid it but it was the principle of things that I set up this service and am a good customer. Well they helped with some of the fees so I paid and cleared it up so I thought.

I have been asking for a credit reference letter since May. This is a huge inconvenience. I can’t get another car due to this. Also I have not received any warranty information about a refund. I work at a dealership and it is sad if this is what you guys do to the customers. I am very unhappy by this process. This car was paid in full. Nothing else is owed to you guys. I have never had this issues with any other finance company. No one in customer service nor total loss department are on the same page. Everyone including Brian ** account executive was trash. It’s a shame that he even works for you guys. He stated on a email that I was a hindrance and is getting on his nerves. This is so sad. How can I get another car with you guys holding this information. Also it states that you guys have 30 days to complete any issues. It has been longer than that. Please have someone to reach out to me so we can get this resolved.

I paid in full my loan for my car. I never received my title, and when I called the 800 number, they said it was in the mail. I received a note of lien release, but no title. When I contacted Ally, they told me that I would have to spend my money and time requesting a new title from the DMV, because they didn't know where my title went. What a joke!

Regrettably I finances a purchase through Ally lending. The majority - over 2/3 of the purchase price was refunded to me but Ally lending will not lower the monthly minimum amount due. There was not an easy way for me to learn that they would not reduce the minimum monthly payments. To learn this info I waited on hold for over 20 minutes. I would not recommend Ally lending to anyone, ever.

I was with this bank for over 10 years. They offer a decent interest rate and that's the only reason to bank with them. Other than that, they're terrible. Their policies are restrictive and they want to control how you manage your own money. Transfers are based on how they value you as a customer. If they value you as a customer you get faster transfers. If you make even the slightest mistake, they will put you on their longest transfer times. They will even restrict how you use Zelle which is an instant transfer service.

There are lots of high reviews for this bank from financial writers. But they do not use the bank and everything that glitters does not prove to be gold. The bank looks good on paper. I actually really liked them. I had four accounts there for several years. Although there were a few red flags in the beginning, I ignored them and kept using them. That was a mistake.

It was probably just incompetence that their representative assured me that my Autopay had started, then failed to take my payment. Maybe also just incompetence that they report my non-payment to the credit agencies. But malicious that although the mistake was on their part, they refuse to correct the credit agency reports.

My debit card was canceled because Ally thought it had been compromised. No call, no email. I found out when I attempted to make a purchase and it was summarily declined! That was only the beginning of the debacle! The first set of replacement cards were never rec'd. A second set sent expedited to a mystery address 700 miles from my home. I was assured the third would be sent expedited. Really? The bank has no record of a third attempt. This pattern conforms with all my experiences with ally. I would add that one is on the phone 1.5 hours before the next ally clown finally comes on. They don't have branches and yet they also don't answer the phones. I'm wondering how much the CEO takes home for being such a failure??? RUN FROM ALLY BANK!!!

Despite the huge # of bad reviews for Ally Bank here, still awarded 4 stars. Why? Your disclaimer (top of this site) tells: ConsumerAffairs is not a government agency and *may be compensated by companies displayed*. Horrible experience with Ally. Many others have, too. Read about the 1 star rated Ally Bank on the BBB site: **.

Every single month Ally returns the payment, but the money is available in NY bank. A problem with their system, but my credit pays the price. Every month THEY screw up, but report my payment as late. I would highly recommend against using them.

I have been with this bank for a little over 2 years. Recently, I mailed them a check (USPS overnight) that is above their allowed daily echeck deposit limit. Well, it's been 5 days and I neither see that check in my account nor no one can tell me the truth where the check is. I tracked the check and it was signed by one of their employees in the Philadelphia office. I spoke with three people and each has different information! If you deposit a large amount of money under your own name they will hold it for you even when you tell them that you have bills to pay!! Never again! Take your business or money somewhere else!

UPDATED 04/13/2022: They do not care if I am not having income and I am having to buy food with credit cards. They do not care about customers. They block my payments, online and by phone, they don't want me to pay my total amount due, they hardly are trying to repossess my vehicle that I been paying on time for years and now I own them so less money, and they don't care. they want to make money with my vehicle. They don't listen don't care and don't want to help their customers. Do not do business with them.

They find any way to get extra money from you. Trying to charge you 2 or more times in one month, adding on insufficient fund charges even though you already paid your bill in full on time. My bank paid off my loan with them when I refinanced my car, and yet they're still trying to take out the car payment. I even called them to ask if they had received said check and they said they had. Luckily I caught it in time and my bank won't allow them to charge me. They're very crooked, and trying to talk to anyone there is very difficult. They like to blame anyone but themselves when they double charge or add on ridiculous NSF fees. I highly suggest avoiding this company if possible.

I suggest you use other banks for wiring. I set up 3 wires with 3 banks with all 3 of them set up 2 business days earlier than when the transfers were needed. All 3 promised delivery the morning of the second day as requested. 2 banks did what they said they would do. Ally failed. It must be a manual process at Ally or the department leaders are asleep at the wheel. Go elsewhere.

Ally is the financial institution that my auto lease is with. Customer service department unable to help resolve my inability to log in to ally.com. I had to go back to paper billing. Ally repeatedly sends me late toll bills to pay even though I have sent them photocopy proof of cleared bank checks showing the bills have been paid. Long hold times for customer service as well as poor quality of background sound. Unable to hear ally representative clearly.

I am a beneficiary on an ALLY CD. I have been trying to work with their people for 12 days to get my funds. Thus far, 75% of the CSRs are not familiar with this function. All needed documents are there but it takes a lot of time to pay out my funds... "We are a big outfit." "We need to verify your identity." "We can't wire your funds...checks only." "Two weeks doesn't cover 10 business days..." "I'm not sure but call back next Tuesday." They don't get it that the money is not theirs, it is the consumers.

They will not protect your money. Had our card stolen in Paris, called immediately. Was told they would TRY to get the charge dismissed after it cleared. Was $3k, while we were out of the country. Thanks for literally nothing. Had StubHub steal $600 from us, again, no support. Garbage bank. Their interest rates have gone down to nothing, just rope you in then do the old bait and switch. Auto loan - highest rates although they can see the amount of money we've put through our accounts. I don't even use their debit card anymore, I don't feel safe with them. Credit cards for me now, and once this high interest car loan is paid off, I'll never use this garbage bank again. Good luck! And watch your money. Trust me

This company did not send money to a merchant but took it out of my account. The merchant said that they need the bank needed to complete a phase in the back department and I was hung up on multiple times without it getting resolved. They stole my money.

Under no circumstance use this bank if you intend on using the money you transfer to it. After 3 weeks of daily calls I was told I won't have access for 4 more days because they have to "Verify the funds I deposited" which I was told would take 1-5 business days. DO NOT USE. If I could give less than one star I would. DO NOT USE ALLY BANK.

Hello Team, I want to report a poor experience with Ally Bank. I am currently working 4 full-time jobs, I transferred money from my business checking into my year's old Ally account via wire transfer/bank transfer as I plan to close out my external account and downsize to fewer jobs. I also purchased my first home in July 2021. It is a fixer-upper that requires ongoing work. Hence the 4 jobs.

SCAM ALERT! AVOID ALLY BANK AT ALL COSTS!!! Take it from me, they hit me with bogus fees that it wiped my entire account!! A stock that I never purchased came into my account a decade ago with no value. Then I tried to sell it and the Ally platform wouldn't let me because it was worthless. Then they started charging me a $20 per month fee. When I recognized it, they'd charged nearly $250 in fees from a stock I never purchased and wouldn't allow me to get rid of. Then when I recognized it and asked for the fees to be refunded, they refused. Terrible customer service. Terrible platform! Terrible place to invest unless you are willing to watch every month's statement with a fine toothed comb. Take your business elsewhere!

Updated on 02/08/2022: For those interested in some additional context, in December, I enabled automatic monthly payments on two of my Ally accounts to be processed on the 3rd of every month. Both payments successfully cleared from the same checking account in January. However on February 3rd 2022, only one account had a successful transaction. I received an email notifying of this. On the website I discovered that my account information had been deleted. That evening, I tried several times unsuccessfully to re-enter my routing and account number. Each time, I received a message falsely saying my bank account had a negative balance. In fact, I had more than enough funds to cover my payment and ended up paying successfully with the debit card attached to the same checking account the system claimed had a negative balance.

Having a car loan with those individuals turned my life into a nightmare. The associates, supervisors and managers do not understand requests and effectively deal with a solution. Despite having an Exceptional payment history even though sending extra money in order to shorten the life of the car loan, these individuals placed a derogatory mark on my credit report and the managers couldn`t explain the reason nor they tried to get an answer as well. Based on my experience I recommend the public to stay away from this company that cannot deal with the public plus, showed a low education in terms of business.

Ally Bank doesn't know how to process Wire Transfers, which they treat as regular B2B transfers; the former takes 15 minutes to move money, the latter several business days. I had an absurd situation where I made 3-way call with Ally and my other bank, and Ally clearly doesn't know how to process wire transfers. When my bank sent wire, Ally automatically treated it as regular B2B transfer - not a good option if you need to move money quickly. Also, they lock customers out of their accounts (for suspicious activity), which is good, except that they don't notify clients of such activity (it's a "suprise" at the next login) and it takes several months to unlock such accounts.

I utilized them as a lender offered by Ideal image. I purchased a promotional deal and signed contract via phone. Ideal Image did not point out if late more than twice Ally will charge full amount and you will lose promotional deal. I couldn't read the contract as well on my phone. I was late a second time and Ally CSR NEVER mentioned, 'Hey, if late again you will lose your promotional deal.' They only did way after I had been late again. I paid late fees and everything, but Ally wouldn't reinstate the promotional deal. They are money hungry in my opinion and I don't like contracts that have sneaky clause such as that. Why does that clause even exist, they get late payments on me too. They rip more than they offer as far a quality customer service and care. They could have done more to assist me. They focused only on their profit. I will never utilize them as a lender again.

01/13/2022 We interacted with 2 associates Aaron and Jason. Aaron deserves a 5 star rating and a bonus. He was very helpful, respectful, compassionate. He really tried to help us with our situation even though there's nothing he could do about it. His actions and words showed that he cared about us. Jason was the second person we interacted with. We had to talk to him because Aaron was busy (yeah, he'll treat you like a brother).

Before you read this, understand my business is 5 star and still the highest rated for limo or taxi in the united states. Now to the story. After verifying with MULTIPLE employees over the course of weeks, I cancelled my warranty and sent $2,220 that was to be applied as a credit. I logged in after they received it and it was verified and said my next payment was due in March 2022. Lo and behold today I logged in and it said it was now PAST DUE.

If you decide to do an IRA with Ally Bank, be prepared for your beneficiaries after you die to have the hardest, worst, most frustrating and most disheartening experience when it comes to claiming their inheritance. Ally Bank does NOTHING to help the beneficiaries navigate the process to claim their inherited funds from the Ally Bank IRA account. It has taken me 6 months of constant calls and I still have not gotten my inheritance from my mother's IRA. Everytime I call there is another thing I have to do, another form to fill out or some other piece of information they need from me that no one previously told me about. And good luck talking to anyone that knows the whole picture. And good luck with the connection, as many of my calls have been disconnected when they transfer to another dept, and I have had to start over in the call queue.

I had a car accident on 12/17/2021 and contacted Ally Financial to see if they received my insurance information and they tossed me from CSR to CSR and noted one of them told me they was from India that explains not understanding. So my insurance tells me they have check for them just waiting on letter of guarantee but guess what this company has no Total Loss Department. And I got tossed to Rep after Rep and no one knew anything. They did not even know what a 10 day pay off was. Nothing can be accomplished. So mean time I am waiting around with no transportation because they cannot get things accomplished and guess what number to their Total Loss Department is same number to Customer Service. This company suppose to have good rates. I do not see those good ratings. It's a hoax. A lie. My next step is FTC. They are misleading customers in that area.

I banked with Ally for almost 2 years. I had an interest checking and savings account with them. On Christmas Eve, my direct deposit was deposited into my account like normal and I paid some bills. A few hours later upon checking my account, I realized that my savings account was closed and that my debit card was locked. I called them immediately and spoke with a supervisor after an hour. Nothing was done to rectify the situation. Be warned if you choose to do business with them. You would be better off sticking your money under your mattress honestly.

My car was totaled on April 28, 2021. After countless phone calls to complete inept people who know nothing and all tell a different story, I finally filed a complaint against Ally for refusing to credit my account for over a month with refunds from extended warranty. They finally sent me that payment which I received in September. On Oct 1, Ally received an additional $600 payment from my GAP insurance. It was confirmed by 3 different people that it was received, but nobody could tell me when I would be refunded. I was told anywhere from 10 - 55 days.

Do NOT bank with this company if you want someone who will actually support you. I have referred so many people to bank with Ally over the last several years we have been with them. Unfortunately I’m now warning people to RUN the other direction. They are so nice and helpful over the phone… until money is involved, specifically their money. We had a fraud case, someone stole $1200 right out of our checking account. Ally did nothing. There was no case. They looked for no proof. After stringing it out for a couple months telling us to “trust their procedures” they simply told us from their point of view, we could have taken the money ourselves trying to cheat them. So much for fraud protection.

By far the worst company I had deal with; they were charging me fees to make early payments to the principal. One I paid $50 and the fee was $50 so I could just burn that money. I had to make another loaner to buy the loan. I won’t ever deal with this company again. TERRIBLE!

I would recommend people go to loan shark before Ally to get a car loan. People answering phone calls are all very nice but unable to put me in contact with anyone with authority or knowledge of what is going on!

Ally Bank was overpaid on a car loan by our bank. The loan was paid off on October 25, 2021. We are told that we will not receive our $ 1033.00 overpayment refund until December 10. 2021. They blame covid for not being able to process the refund. In the meantime, they use our money to loan out, not paying us interest. Despite compounding Auto loan interest daily for over 4 years. BEWARE. BEWARE.

I have been trying to pay off my daughter's car loan for over three weeks now and they continue to decline the payment. There is sufficient funds in the account and the account numbers are correct. I re-entered them several times but they are unable to process the payment and incompetent people.

Short and simple, I bought a vehicle from their predatory lending bank, when I became ill from Covid and got behind on my bill, they were heartless, had no plan in place to help people who got off track. And if you need assistance from them to get back on track you have to pay your bill upfront first. Now, what kind of help is that? If you had the money to pay upfront you wouldn’t need the help. How does that help the struggling customers? They finance easy at very high interest rates. I paid my previous vehicle off in full 29,000 and they still gave me a very high interest rate. If you are shopping for a loan, don’t get cheated by them like I did. Go find a loan somewhere else or I promise you will regret it.

Please, no matter how desperate you are regarding your finances, don't get involved with this company. When I had a low credit score, they approved me with an astronomical 22% interest rate. I took it, have been paying for 2 years, and it's like throwing money in the garbage. Finally my credit score has risen to where I could try and trade the car in, but Ally has blocked every attempt for me to trade in my car by not accepting the terms. I then went to refinance with my credit union who gave me a 6% rate, and after my credit union sent them a huge check, Ally does not release the vehicle due to a $35.00 balance that was incurred because the payment took a few days to arrive. Now my new loan is going to have to wait because processing that new payment will take 10 days by Ally, then they take another 10 days to send the paid off letter and Title out. Once you are locked in with them, they will bleed you for every cent they can. Please find another way.

I opened a deposit account and an investment account. I funded both accounts using Ally’s internal debit initiation system, moving funds from another bank to Ally. Once the transfers were completed, Ally blocked both accounts without explanation or initiating any contact with me: no courtesy call, no e-mail, no letter. I telephoned and was asked to provide scanned copies of identification and a selfie of me holding the identification. I did so within minutes. Ally continued to block the account. I telephoned to confirm that the documents were in hand with Ally and was promised resolution within three days.

I’ve had this bank for 3 years and I only have reported a fraud recently. The only one that I ever had. I had a transaction that I did not recognized and they told me they are going to need to investigate it and that it will take 10 days. And while I wait on their decision I didn’t have any card because they had to order me a new one and they won’t give me the money that was taken out due to fraud. So I have no way of getting my money out of this account and no way of spending it. It’s so sad because I never reported fraud until now and when I reported it they made me feel like I’m the fraud. They don’t care about their customers. Very sad and disappointed. To solve my problem with them I decided to get an account with a different bank. NEVER WILL I EVER USE ALLY EVER AGAIN.

This company is a joke. I have never seen such unprofessionalism. I have been calling to just change my payment due date and it looks like I am asking for one million dollars. Hang up the phone on you. Disgusted is the word. I am working to see if there is ways I can change my car loan with them.

Absolute worst auto finance company. I paid $1360 to cover month and extra was to be applied to principal. Instead they apply to next month so they can continue to earn interest. I complained and agent hangs up. I tried to complain but Ally Financial gives me the runaround and never able to file complaint against agent who hung up.

Sharon in Repairs Check Department..."She is Perfect Customer Service". Sharon is there with you all the way through. If she says she will call you back- "She will". Also she will personally investigate and handle your issues from beginning to end! She has excellent phone etiquette and very professional. Because of her, we will continue to do our banking business with Ally Financial. Thank you Sharon.

Too Much.. Rep just ACTUALLY HUNG UP ON ME.. I really cannot believe this. I am going to say This.. Not good. Bad experiences.. Title Problems. Since I am near paying off..it's 1 thing after another. Judge for yourself..when you near paying off.

I laugh looking at the 3-4-5 star reviews. Run from this bank as a Auto Loan company! Documented calls with total incompetency on every level. Do not report till 60 days to Credit Bureaus. Will not show your loans are paid till last day required by law to report. 6 days to get a email with a payoff quote. Month 3 since payoff still waiting for title! These people are a joke! All documented statements.

After being in an accident and total loss, my gap insurance left about $1,500 liability. They would not allow me to make monthly payments, now, my credit is impacted with a negative mark. Never again.

After my 5th attempt to contact a customer service representative to answer a question and get my auto lease closed properly, I am so frustrated that I cannot reach a person to speak with. I have been placed on hold for hours. This is the worst company customer service I have ever come into contact with.

Horrible experience from beginning to end. We are tier 1 borrowers with FICO >800. Easily got our re-fin approved. Spent 3 months in the works...everything done, set to close and on the day of our closing...no one shows up. I had to reach out to them the following Monday. Loan was cancelled last second because of a second we had on our home (disclosed on the initial application)...No one bothered to call/email anything. And they did nothing what-so-ever to make it right. Avoid at all costs

I leased my car through Ally and was planning on doing a lease buy out. I’ve stated that multiple times talking to people. I was out of town when my car was repossessed even though payments were all caught up and they did not bother to send me written or verbal notice. Now for 7 days straight I have been relentless in trying to get a hold of ANYONE at Ally via phone and email that can give me any information about not only where is my vehicle but how do I get my vehicle back and how to do a lease buy out. I’ve tried calling every single department possible and I keep getting transferred to different departments until someone eventually disconnects or hangs up on me because no knows the answer to my very basic questions.

Ally Invest has technical problems with their website. I am unable to log into my investment account to trade my stock holdings. Customer service insists it's my computer that's causing the problem. In the meantime, I have been deprived of control over my financial affairs. I'm planning to run away from Ally Invest and continue trading my stocks on Merrill Edge, where I haven't experienced any problems. Experimenting with an Ally Invest account was a big mistake. Hopefully, knowing about my experience with Ally Invest will prevent you from enduring a lot of needless aggravation.

I scheduled a wire transfer on 8-4 early morning to a gardener contractor for some backyard work. The wire never got approved on 8-4 and still shows a review status on 8-5. I was about to call ally and see what’s going and only found out they locked my account without any notification. I called their support on 8-6 and got transferred to their back office and answered several security questions. After the agent finally has assess to my account, she later found out she didn’t have the authority to do anything and advised me to continue to wait. At the meantime I may end up having to cash out some of my funds in brokerage account just to pay for the home remodeling.

I’ve financed cars for several years. I had a 5 year agreement and have always paid on time. I only have about $3000 left. But Once covid hit, unfortunately I was laid off my job, financially struggling with many bills and still not working. They offered to work with me in the beginning reassuring me but in the end, that just was not the case. I was behind about 2 months, I had made payments but they were not the full amount. I got a bill saying I owed $1200+ which included late fees. The bill due date was for 7/31/21. On 7/29 the day before, without a verbal warning, or letter, I went out and my vehicle was repossessed. In a panic. I thought my car was possibly stolen or taken for a past ticket? Had no idea what happened.

Ally financial services has horrible ways to pay an auto loan, online payment won't work. They tell you to call and wait on hold to speak to a non English person. Third party services don't work and charges $5. Tried paying through Walmart money services. Their fee went from $8 to $20! And Western Union Quick Collect for instant is now $30.49! I'm just trying to make a car payment without jumping through 100000 hoops! Lesson learned and will NEVER finance through Ally Bank.

When covid hit I spoke to Ally and explained to them my situation and told them I needed at least 2 months. They told me it was ok. I called and informed the lady that I was going to make the payment the following day because it was nighttime and I couldn’t do the Money Order they asked me for that night. She said it was ok. That same night they repossessed my car. Making me pay $2,000 to take it out and they make me go through a ridiculous process just to get the car. And on top of that I had to make the payments. They refused to give me the car that following morning because it was too soon. They even made me pay for all the hours the car stayed there. They are not impeccable with their word and make you believe they’re on your side when in reality they only care about the money. I suggest you think twice about working with them. An auto loan is a delicate matter and you want to be sure the bank who’s lending you the money stays true to their word.

Ally financed my Auto Loan in 2016. When Covid lockdowns occurred in March 2020 and continued thru June 15th here in California I was bombarded with phone call after phone call regarding payment. There was nothing I could do to stay current but never fell more than 2 payments behind. Impressive considering no income. They offered deferred payment plans placing the payment on the loans backend. Not my best option but only option since the car was almost paid off. My car is my livelihood and didn’t want it reposed.

I have been trying to get a lien release letter for 2 months on a car that was paid off in 2017! I have been bounced from department to department with no one who can help me get it resolved. Will never do business with them again!

I am an attorney with 30 years experience in real estate. I had never been involved with an online bank until last year. My interactions with them lead me to believe that their business model operates on the same principles as a fast food, but for mortgage lending. Absolutely no ability to deal with issues outside of a pre-fab model. Right hand does not know what left hand is doing leading to repetitive requests. No interest in client relationships just volume. Little substantive knowledge of basic real estate issues. No bilingual staff or ability to assess banking documents from institutions who operate in Spanish. For an online bank petty clunky software. I am severing my relationship with them and going back to Chase. Do not recommend to any Latino consumer.

My vehicle should have been paid off on 6/7/21 when the dealership sent in the check for the payoff of my car. The payment was applied on 6/8 and then was reversed on 6/17. I have tried to call every day to get it resolved since 6/8 and I can't get it fixed. Now my loan is showing late as of 6/15 and will mess up my credit. I have asked this entire time to speak with a supervisor and have yet to get one to call me back as of 7/15/21. This company is a joke and I cannot believe they can get away with treating people like this. They are messing up my credit that I worked so hard to build.

Ally invested in a company that dealt with paychecks and then distributing them, and when the company went bankrupt they accepted money out of those paychecks. This money did not belong to the company, the company had other's money moving through it. They took this money as part of the settlement of the remaining money when those who actually made the money got nothing. This is not acceptable to me, it needs to be addressed. I will not allow this to go quietly into the night.

I've been a happy Ally customer for many years... However, this changed recently. The Ally's agent managed to send my money to a wrong external account (closed few years ago) and it took hours of my time on the phone and 1+ week to get my money recovered. The agents are strictly following the call scripts and are not able to comprehend the mess up they created and how the bank shall step up to correct its error and compensate a client for the inconvenience and extra cost associated with the issue. The agents never follow up on the promises they make and it is impossible to get connected to anyone who has a reasonable level of authority to offer acceptable solutions. I did not expect such a bad experience and would not recommend Ally to anyone going forward.

Had set up multiple car payments on auto withdrawal one for $1083 and another for my child $147. For over 3 years no problem...then covid hit. They offered a deferment plan, we accepted then assumed payment would go back to normal. No sir deferred and then didn't set it back up. Now multiple negative strikes and tried to rectify with personnel stating they would fix it. But no such thing has happened. Now what was once a strong credit score is in shambles because they do not follow through with what they say they will do. Very unsatisfied and upset customer. Will never deal with them again. Part of GM as well and done with them too!!

I've been with Ally for a few years. I just started getting an issue where my card got compromised and the last 3 times someone got money out of my account. They are the most penetrated bank ever. It sucks.

Paid off my vehicle and haven't received the cleared title. Rerouted through the phone system until placed on hold for literally hours. No one answers the phone while they hold the title to my car. Crappy company.

I used to work for a credit counseling service, and we dealt with a lot of different loan and credit card companies on behalf of our clients. One of the hardest to deal with was GMAC. Had I known that Ally used to be GMAC, I would have found another way to pay for the HVAC. But the finance charge wasn't bad, so I went along.

Worst company I have ever dealt with, they charge me late fees for having late fees. They do nothing but take money from me. To try and finally get caught I made a thousand dollar payment, but after I paid my balance was only about 55 dollars less because they didn't tell me about late or extra fees I was paying because they weren't on my total. Despite paying just about every month besides 3. I asked for an extension once because of the pandemic, but after that they were unwilling to work with me. Without my knowing they were adding up late charges for every month despite making payments. So all in all I missed 3 months but basically got charged 12 months of late fees.

All transactions move in slow motion, usually measured in days, as opposed to a brick-n-mortar location could do in a couple of minutes. Though their website is organized extremely well, the efficiency rating is extremely poor. I made a deposit with a check and they held my check for 5 days, without explanation.

Ally has always been responsive to my questions either online or via phone. They make me feel confident in banking with them and using new transaction practices. Their rates are competitive with other large banks and I would recommend Ally's services.

I support my Son with his financial accounts and therefore he made me an authorized person on his car loan with Ally. All was good for over a year and through payoff of the loan. After waiting for over 2 months for title, I called to investigate and was told I wasn’t authorized. Now my son, who is in AZ while I’m in IL, can’t get new plates for his car because Ally has revoked my access to account info. So frustrating and so poorly ran from a customer service standpoint. We will never use them for a loan again.

Great rates, competent and responsive customer service and easy access via ATM. They also have a investing side to help research and invest in stock. The only downside we have experienced is having to deposit cash funds via mail. Overall great experience.

If I could leave zero stars I would. I have never went through so much ** to get a refund that is my money! When you call no one can give you and update, almost like the refund is lost. I will NEVER do business with them again!

We used Ally to finance our auto. They were easy to work with and have a great app and website to facilitate payments and keep track of the loan. I would highly recommend using Ally and will be using them again in the future.

If you finance a car through them then sell it, you are in for a world of trouble. First of all you get a Indian foreigner to speak with that is hard to understand and their help is very limited. I had to go to my financial institution (other larger bank) to get them to deal with these people. 2 months later I’m still waiting for the released lien that was on vehicle which they released but buyer of my vehicle still can’t get title in their name because of their slow incompetence. Never again! Buyer beware. Never deal with Ally when financing a vehicle.

I am having a very positive experience with Ally Bank. Their customer service is very good, and the Web interface is easy to understand and fast. Interest rates are much better than brick and mortar banks. They have plenty of ATM locations. Ally Bank is perfect for anyone who doesn't require a physical bank to satisfy their banking needs. I highly recommend Ally Bank.

I use Ally Bank and the only bad thing I can honestly say is the daily limits on what I can send aren't enough. If I have a $2000 transaction or transfer to make, I have to do it over a several day period. It's a great online bank that does everything my corner bank does and I don't need to leave to send money, make deposits, or purchase anything online.

They have been quite helpful in as I have trouble remembering my password. They are very helpful in talking me through the process of recovery. Very pleasant to work with. I would recommend them to everyone.

Ally makes every online transaction easy to find and easy to complete. They consistently offer the best interest rates, as well as bonus rates for loyal customers. Customer service is always available without waiting on hold for extended periods of time. They are helpful, courteous and knowledgeable. I couldn’t ask for anymore in a bank.

Like the ease of use and access that they have set up. They have an aggressive plan for savings and seem to be secure in nature. I believe they have a strong future ahead in securing a larger and larger client base.

Working with Ally is easy and convenient. I have not had any issues with them. I recommend them to my clients because it is so easy. I use this account for my emergency fund. I can transfer money and have it within 48 hrs.

Been with Ally for 13 years now and they always seem to have my back. Some transfer speeds needed upgrading and a bit frustrating but I think they are working on this. Good customer service and fast response times as well. Best online banking to date. I highly recommend ALLY Bank to most. Minimal fees if any as well.

Ally got me into it with a great percentage on a money market account and that percentage has held up surprisingly well. Direct deposit has been easy. Nobody has questioned its online only status which I was afraid of. I signed up in April 2017.

This is probably the worst company I have ever experienced. Chat support is never available, 800 number is impossible to reach anyone, minimum wait with 800 number is one hour then they will tell you I can't help you and a manager will call you back which they never do. I feel sorry for anyone that uses this company, absolute trash!!!

Terrible customer service, my father paid his account off with Ally on February 20, 2020. He has had auto financing with Ally since December of 2015. The first week of March, he received his title and the lien was released from the vehicle. He did not receive notification that for whatever reason the payment did not go through successfully until the very end of April. Since being financed with Ally Auto, he has never missed a payment, he resides In the same home for over 12 years and has had the same cellphone number for over 20+ years. Whenever we (my father & I) call to rectify this matter, we are explaining the situation to several different CSR (which is very frustrating due to the language barrier) and ask to be transferred to a supervisor. This is ruining his excellent credit!!

I have a medical loan. My payment is due four days before my payday, so I set up autopayments to come out on payday and paid my first payment early. Unfortunately it was before the billing cycle was out (even though it was my first payment). I am a single mother and they refused to credit it to my upcoming bill, saying that I essentially have to double pay this month because I paid too early. I have never had a financial institution treat me with such callous disregard for circumstances. They refused to move my due date to my payday and would only move my schedule for me to pay three days after payday. I am having to dispute it with my bank in order to try and get a refund, which will not process until after I have to make the next payment.

Please stay away. Had a loan here. Made payments always in time and before. At 17.5 percent interest I was trying to pay off as quick as I could. Then pandemic hit. I lost a 65000 a year job. Had to take a job making 35000 less. So been making payment but with that much of a income loss $650 a month plus other bills drains your savings. They did allow us to defer payments with extra interest at the end. So we cashed out our 401k yesterday. Today we called. They are willing to accept a repo that’s going to cost them way more instead of working with us over $5000 that they completely got in the first 2 years of interest???‍♀️ Oh well I guess they can come get it and I’ll file bankruptcy so their loss in the end. You have to do better. Pandemic was no fault of mine. The extended shut down cost me my job of 25 years.

Purchased a 2017 Buick Encore from a dealership in Kernersville, NC in August of 2018. The dealer got my loan through Ally at a great rate. All has been fine until I moved to Arkansas. I am old school and prefer a statement in the mail, write out my check and mail it in the same day. For some reason, Ally can't seem to get my statement to me on time, usually receive it two days before the payment due date, which means I have to go online and make the payment. Frustrating enough to make me want to pay off the vehicle and be done with them. Tried to call three times and discovered they have outsourced their customer service department to the Philippines, which means you will reach someone who doesn't speak English and will NOT understand you. I asked for someone in the United States, and was transferred to someone in Texas. Yah! Only to be told I CANNOT PAY OFF MY AUTO LOAN WITH THEM ONLINE.

Refused to honor a statement they made about allowing an emergency use of a debit card I was canceling. "All you have to do is call and we'll let you get gas," etc. Refused three times. I have no money, no gas and a trip to get Covid shot on Tues. that is over 30 miles one way. How does one live for 5-7 days with NO cash?

If you have an Ally account, close it. They didn't have any problems or raise any issues for the past five years while I gave my money to Gemini, but as soon as I get money from Gemini, they have a problem with using it for a mortgage!? I sold cryptocurrency on Gemini and transferred the money to my Ally account. The cash money was in my account for two months, and the cash money in their Bank was the asset I was going to use. Their underwriting team said since the money was sourced from a cryptocurrency exchange, they are unable to use them those funds in my checking/savings account to be put towards the closing costs and/or reserves for the home loan. There was no one I could talk to you and customer service and no one I could raise this as an issue to. I ended up closing my accounts and transferring my money to another bank.

When I returned my lease to Ally with fewer miles than allowed, the recovery department charged me $400 to replace two tires that still had 40,000 miles left on their warranty. According to their office clerk, they sold the car with those "unsafe tires" (which in itself is illegal), the $400 tires should have cost less than $200 (obnoxious price gouging), they could have used a tire warranty had they simply contacted me, and they charged me for tires that they didn't replace simply because they could. I addressed my concerns verbally and in writing, but I was ignored and the money taken from my account without permission. This is why large corporations are creating positions for ethics officers. Amazing that Ally's name can be compromised for a mere $400.

The customer service is beneath contempt. They charge absurd and exorbitant fees that they seem to make up to suit the occasion. If you want to sort it out, expect a forty-five minute wait to talk to a human. If you need to escalate the call to talk to someone who can actually be helpful, expect that person to be busy. Their so-called live help is an internet chatbot you wait half an hour to talk to and spend half an hour further getting nothing done. I suspect this bank was started by a pharmaceutical company looking to create a demand for high blood pressure medication. They are intensely, knowingly frustrating. Get your money away away from them forthwith, whether it is ten million or ten cents. Hide it under a mattress. You'll be better off.

Ally Financial is by far, the most incompetent and frustrating company I have ever dealt with and I am in my early 50's. My son leased a car with them in May 2017, got a few payments extended due to the pandemic in 2020, then was due to turn in the vehicle or purchase it in Dec. 2020. He decided to purchase it due to the excessive overage on miles and he was behind a few payments (his fault because he forgot all about them after he had them deferred). So we contacted Ally, made two back payments so he wouldn't get repossessed, then sent them a cashier's check for over $15,000. That was Jan. 22, 2021. Still waiting for the title almost two months later. Then he just received a letter in the mail last week thanking him for turning in his leased vehicle and that they needed an odometer statement.

I would not recommend getting a car loan with Ally Bank because my car was totaled and they received full payment for the value of the vehicle, and I also had gap insurance! They financed me for another car loan and then refused to make a settlement with me for the remaining balance of my totaled vehicle. There was only 24 hundred dollars left to pay. I called countless times and tried to even offer them half of the amount owed, and they refused. I'm a single parent and a public school teacher, and they didn't care that I still needed to feed my child during a national pandemic. The emotional stress they caused me is inexcusable. Please do not let them finance your next vehicle. This company is heartless.

I’m an essential worker. I drive from store to store and check to ensure companies aren’t jacking prices or becoming desperate with empty shelves and try to sell expired product. I work 14 hour days. Honestly, I lost track of what day was what. Evidently, auto payment didn’t happen for whatever reason, and I fell behind. Ally offered assistance, so I took it. Three months later I find out they didn’t actually take it. I make a payment and try again. Again I was told I was approved. Today I woke up to find my car was repossessed. The car I need for work in order to pay the bill.

Ally Bank is the most incompetent company I have ever dealt with and will never be using them to lease a car again. I paid off my car early in December 2020 and handed it back and because of their own lack of communication and incompetency, they did not receive my last odometer reading until February 2021. They say I still owe them money, which I do not, and have put on my credit score that I have missed a payment, which I have not. Please do not lease your car through them if you can help it! It's not worth the headache and stress after to sort your life out.