Ally Bank Reviews

Formerly GMAC

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Edited by: Jana Lynch

About Ally Bank

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Ally Bank has financial roots that go back to 1920, but it was established as a digital bank in 2009. It was one of the first 100% online banks, and now it is a full-service bank offering checking and savings accounts, investment and retirement services, and loans for auto and home purchases. Customers can expect fee-free products with no account minimums, such as the No-Penalty Certificate of Deposit (CD), which allows early withdrawals.

Pros
  • No account minimum or overdraft fees
  • High APY
Cons
  • No physical bank locations
  • No cash deposits

Ally Bank Reviews

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    Page 6 Reviews 640 - 840
    BillingRates

    Reviewed Jan. 31, 2020

    Instead of the balance going down after monthly payments, it increases. Takes advantage of the poor. I have been keeping track of my monthly balances and instead of it decreasing from last payment it increases on average by $125. Their interest rates are astronomical.

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    Customer ServicePunctuality & SpeedLoan ProcessRates

    Reviewed Jan. 27, 2020

    Have been a customer using their banking products for 7 years. I never overdraft or pay silly fees. Had to use them for a wire transfer to pay off a loan. They called me to confirm my form details and made some corrections to ensure it would be accepted by my lender. It went through without an issue. Simple customer service interactions like this are always quick and completed by well-trained, polite folks. They used to have more competitive rates for savings, but it's been beat by others like Citi as of late. That's the only reason for 4 stars instead of the full 5.

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    CoverageRefunds & PayoutsBillingRatesTransparency

    Reviewed Jan. 24, 2020

    Updated on 02/19/2020: I posted a review in January and this is an update. I still have not received my $9013 overpayment. Ally does not deny receiving it but has to find where the payment went before refunding to me. I am speaking to some directly now and Rosa is very sympathetic and assured me that I will get the money which has been with Ally since January 17. So, what does a senior citizen on a fixed income do when unable to cover debts incurred as a result? Everything suffers including health.

    Original Review: They have lost my $9.013 payoff. If a lower rating was possible I would give it. On January 15, 2020, I used my online banking to pay off my car. The electronic payment did not show so, assuming I had not confirmed the payment, I paid it again. On Thursday, January 16, you guessed it, both payments cleared my bank. The solution seems very simple. Refund the payment. Great idea. However, ALLY cannot find the payment. Seriously, the money has vanished. Yesterday I was given the number of the “money trackers” and was on hold for 3 hours. Same story today BUT I found out that while ALLY answers that number, the department doesn’t actually exist. I am overdraw and sick with worry. How can a financial institution lose a payment? What shocks me is their level of concern. Of course they will issue a refund..WHEN they find the money. My bank, after speaking at length with ALLY has filed a investigation for fraud.

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    Customer ServicePunctuality & SpeedStaffLoan ProcessRates

    Reviewed Jan. 24, 2020

    This company has been a nightmare to deal with. Customer service is the worst I have ever dealt with. Every time you call they say "due to heavy call volume you may want to try your call again later". If you stay on the line, they answer it pretty quickly. No one in customer service is in the U.S. and therefore are very difficult to understand. They just tell you what they have been told to say and then ask if there is anything they can help with. I asked to speak to a supervisor who picked up 18 minutes later. He was absolutely clueless as to what to do. The entire call lasted 38 minutes and 18 seconds. Ally signed for my banks check on the 18th and were still denying receiving the check on the 24th, which conveniently put me out of my "10 day Payoff" amount. I am still dealing with them. If I ever get the loan paid off, I will gladly pay a higher interest rate next time to NEVER deal with this company again.

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    Customer ServiceSales & Marketing

    Reviewed Jan. 23, 2020

    I just saw a commercial for this awful company telling people to go online and read customer reviews about how great they are. I used them for financing a car and found them to be a nightmare from start to finish. I ended up paying the car off just to be done with their incompetence and just plain mean customer service. I would think twice before using them for anything.

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    Customer ServicePriceMaintenanceStaffBillingLoan ProcessRatesTransparency

    Reviewed Jan. 20, 2020

    Do NOT work with this bank. There are other choices out there that will work with you fairly as a consumer. I highly discourage anyone from using this bank for auto loan. If you do make sure you do not take on a flexible interest loan. Make sure everything is clear to you and in writing. They will tell you things are in writing but when you ask for it and what page it is on, they will not produce the guidance they state you over the phone. That's what happened to me.

    The customer service is terrible at answering questions about your loan, and the bank is out to take advantage of you. They ignore your emails and you have to ask them repeatedly before you get an answer. They avoid answering anything to explain right interest charges that do not make sense. I believe the Attorney General should do a review of many Ally accounts to ensure customers are not being ripped off.

    If you are in a loan with this bank I highly recommend you refinance asap. DO NOT TRUST this bank. They manipulate the numbers and fail to decrease your loan when you make payments. They are set to give you an explanation that does not fully explain the discrepancies you are wise to see. DO NOT TRUST this bank. Seek loans elsewhere. You will regret it if you do. It's hard to understand the representatives over the phone. They will avoid getting to the bottom of your account information as they did to me. This bank is consisting shady business with consumers. It needs to be investigated.

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    Customer ServicePriceStaffRates

    Reviewed Jan. 20, 2020

    I’ve been an Ally customer for over two years and I love it. I use it only for a savings account and regulate send money to my checking account at another bank and vice versa. What I really love is while it would cost money to transfer money from my other bank to ally, if I initiate the transaction from ally, it’s free. Also the interest rates are super high!! Of course that varies so it’s always changing but it’s still way higher than most other banks. Also, anytime I’ve called I’ve immediately spoken to someone and they were super helpful. I love ally and would use them anytime. I highly suggest it for a savings account.

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    Customer ServiceStaffLoan ProcessTransparencyHonesty & Transparency

    Reviewed Jan. 17, 2020

    I will be brief. Auto Loan paid off 3 years ago.- Loan sold from Jeep to Ally. (I believe.) When loan was paid, Title never sent, Lien never removed with the state of NJ. Call #1 @10.00am- while standing at the DMV. after being told Ally still had a lien and they are by far "the worst" by someone at the DMV I called customer service. Since it was paid off, No account associated with SS# so they can't help.- disconnected.

    Call# 2- 10.30am Understand issue Lien satisfaction to the faxed to the number I provided at the DMV- It must be received directly from Ally to the DMV. Call#3- 1.30pm. Stated fax was sent at 12.42pm. Asked if another fax could be sent to me at **. (No rush - just for my records.) Drove to DMV again. Fax not received by DMV. Call #4 - 2.45pm. Stated fax sent at 12.42 was sent to 844 number. A lie because I provided 844 number at 1.30. Drove back to work. Call #5 - Ally explained that customer service is in the Philippines and connecting to other departments is difficult due to heavy call volume.

    Call#5 continued. Rep, who is pleasant comes back on the line every 4 minutes and reads the same script apologizing for the delay. Currently on hold, been a cumulative 19 minutes. For the 5th time they have check with the Customer Solutions group- no update. (they are very busy). Asked if they could email me when fax is sent to the 908 number. Answer - NO.

    Call #5 Cont. After 26 minutes, being read the same script over and over again they can provide no update other than it may be sent prior to 5.00pm. DMV does not take phone calls at the individual branches so I am in no man's land. Call Wells Fargo, Bank of America, TD etc.. you get someone who can help opposed an unhelpful reading of a script every time. Crazy. I would never do business with this company. I sent feedback via the Ally website and requested a phone call. Doubtful I will hear anything.

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    Customer ServicePunctuality & SpeedBillingLoan Process

    Reviewed Jan. 17, 2020

    Please be careful before you decide to open a bank account with Ally Bank. I opened an account and set up my direct deposit. I have a loan out there that I am still paying. And I contacted my loan company to give them the new information. They have a verification process where you share your screen and they verify your banking information. No big deal I've done this with two other of my Banks. The following day I went to look at my account to ensure that they had deposited the rest of my loan. Well Ally Bank blocked my online account. When I called loss prevention they told me that the account was now compromised because they had my username. When it was me that logged in in front of them. They made the decision to close my account when I have bills going in there. I had to wait 30 minutes to get a live person.

    Now they are telling me that in order for me to take the money out of the account I have to call them back with a person on the phone so that they can open an ATM And they will close immediately after. Because supposedly my account is compromised.. when it clearly was not! This is strictly an online bank. I don't recommend it to anyone. If you need online banking use Capital One. At least They could have given me a new account. But no instead decided to close me out and now I have to worry about all my bills being late.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed Jan. 17, 2020

    My mother who is 88 now, bought a vehicle warranty through a Cadillac dealership. The warranty was with Ally Bank. She decided to cancel it within the 30 days and contacted Ally. She not only phoned them, but sent them a letter. 3 years later she is still getting statements from them. Because she now has beginning stages of dementia, my sister and I phoned Ally to find out why they were sending her statements. We first had to go through customer service reps who are in different countries. It is difficult to understand them. You really have to raise a fuss in order to get to a supervisor. When we got to a supervisor, he verified that our mother had canceled. He said he would turn it over to their investigations and contact us. In the meantime they came and repossessed her car.

    This time I had to go through three customer service people and was told I could not talk to a supervisor without my mother on the phone. Although she had given prior authorization for us to talk to them. We are in process of attempting to get her car back. It looks as though we may have to get a lawyer involved. I will never do business with this company again. Stay far away from them. Oh by the way, they said they had no idea who the supervisor was that spoke to us.

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    Customer ServicePricePunctuality & SpeedBillingRatesResolution

    Reviewed Jan. 14, 2020

    Ally was great until the end. I was never late and traded my vehicle off for a new one. I was told not to send in another payment as the 10 pay off was given to the dealer. I was notified I was hit with a late payment and called. They stated no they would not hit the late on the credit as they were working with the dealer. Guess what, they did hit me with the late. I put in a dispute, Have not heard anything, and it lowered my credit while trying to buy a house. They don't let you talk to the dispute department. They were paid OFF! Now I am trying to contact them and waiting on hold, I have no idea how long this will take. They have a recorded line and can look up what I was told and still have done nothing to rectify the situation. Absolutely a cut rate company by doing this. If you are late, you pay a late fee, when they make a mistake they see no big deal but you pay the price anyways. I would never recommend this company to anyone!

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    Customer ServiceStaffBillingRates

    Reviewed Jan. 11, 2020

    Whatever you do, do not use this company and encourage all who may be interested to read their reviews. There is a huge problem there with their communication. The left hand HAS NO IDEA, what the right hand is doing. They had no record of my calls and inquires and even if you spend 45 minutes on the phone with them, they do not have anything noted or in the file. They are so unprofessional, and they are inexcusably rude and unorganized. Trying to make continual payments using their site has been a true challenge.

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    Customer ServiceCoveragePricePunctuality & SpeedStaffBillingLoan ProcessRates

    Reviewed Jan. 8, 2020

    Took out a car loan with this bank. Car was struck and total by another vehicle about a year later. I had never missed a payment. The other person's insurance called the car totaled and paid Ally directly the amount that the car was worth. This should have paid the car off and left a couple of hundred dollars for me. I called Ally so many times...no one could understand. One rep says "this makes no sense". After about 3 weeks and repeated calls, today I get a rep who says that there is a check box on the account that identifies me as having to pay the entire interest for the loan. Very sad.

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    Customer ServicePricePunctuality & SpeedRefunds & PayoutsStaffBilling

    Reviewed Jan. 7, 2020

    I have paid on the 22nd of every month- my car payment. I called on Xmas to make sure that I owe for the month because I had paid an extra month because the holidays are expensive. The male rep told me that I didnt owe anything until my next payment on Jan 22 (the date I've had since I started). Well, on Jan 1 they dedcuted my car payment which left me with 80$ in overdrafts fees (which is why I spent a half hour over the holidays to make sure to avoid) then I call customer service and they are not listening to anything I say. The woman is literally just spouting off information that has nothing to do with my situation.

    I am livid at this point. I demand a refund for the 1st payment and she proceeds to tell me I - as the customer have to do all the online leg work to change anything in my account. What kind of company is this? And who changed it so that I was auto pay scheduled twice a month. No answers. So I have to go in and try to navigate the ridiculous site to change my auto pay which I had never changed previously, so why was I being charged, and then she tells me its impossible that I had two autopay schedules in effect at once - which is total bs because I'm looking at the screen rn that says I owe pending on the 22nd and the 1st. I dont know how this company stays in business. Thankful I have been gathering hard evidence of all of this, even in Dec, in case they screw up so badly I need to press charges. Thanks for xmas gift of $80 in overdrafts Ally!

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    Customer ServiceStaffRatesTimeliness

    Reviewed Jan. 6, 2020

    I have had Ally for many years without disappointment. The interest rates, customer service, and products are phenomenal. I can call any time of day and receive a knowledgeable staff member who is willing to help me within minutes.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed Dec. 31, 2019

    My husband and I have never had such a bad experience with a bank in our entire lives. I would NEVER do any business with them again in the future. They recently decided to rebrand themselves from CENLAR mortgage to "Ally" and change their electronic payment name and payment address. In making an electronic payment in late October under the new "brand" we added an extra digit in the payment address -- unfortunately, we didn't realize the mistake until a few weeks later when the payment was recredited to our account, making our payment late.

    I spoke with 2 separate representatives who indicated that we simply needed to send a "proof of payment" from our bank that showed the funds had left our account with the intent to pay. We immediately faxed and emailed this information as instructed. We never heard back despite checking in repeatedly via email and got the reply-- "we're working on it - it has gone to our research team."

    The next time we reached someone by phone they indicated that it had been submitted as a ding on our credit report, but that they could rescind the reporting. Waiting patiently a month goes by and we finally call again -- "didn't you receive our letter? We denied your request as the funds never arrived to us - 'Proof of payment' isn't adequate - you need a "transmittal report" from your bank, which doesn't exist if the payment address in the electronic system was incorrect." So a company that we had 2 mortgages with on 2 different properties, that we'd been paying without any issues, to whom we proved the payment in question left our account on time - decides they want to improve their "brand" and change their name and payment address and we take the hit on our credit report.

    Customer service was terrible - the reps that answer their phones were unclear on next steps and the gentleman we just spoke with actually accused us of wanting him to "break the law and falsify records." OUTRAGEOUS!!! Read the many negative reviews below. The more recent ones totally look planted -- read like B.S. Stay away from this lending company!

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    Customer ServiceStaff

    Reviewed Dec. 29, 2019

    I deposited two checks into two different banks on December 25th using the mobile apps. In One Bank the deposit showed up the next day at 8 a.m. on December 26th. The deposit completely appeared from all records in my Ally Bank account on December 26th, so when I called customer service, they told me that the deposit would not post for another 24 plus hours because the 26th was a federal holiday, then they split the deposit into two separate amounts making less than half of a table 48 hours after the deposit, which spanned 2 business banking days, and the remaining part of the deposit available the following Monday.

    I have accounts with other Banks and use mobile apps to make deposits of checks on a regular basis. I have never had a deposit made on a Sunday or holiday take 2 to 5 banking days to process or be split into separate deposits by any other bank ever in my life. Based on this one issue and the lack of honest information from the customer service person I spoke with, I would say if you need your money in a certain time Ally Bank is the wrong bank for you. If you expect to make a deposit and have access to your money in a reasonable amount of time, find another bank. If you want to talk to a customer service agent who was either smart enough to know reality or be honest, find another bank.

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    Price

    Reviewed Dec. 28, 2019

    I have been making on time monthly payments to this company. At one point I was able to make a larger payment to go towards the principal. They have since assured me that payment went towards the principal, however they then forwarded the due date by 3 months. I did not catch this when making the following months payment which was then scheduled for 3 months later... but guess what. I still owe the finance charges for that current month which is now up to the cost of another car payment. They really don't let you get ahead if they are going to forward the payment date but charge finance charges anyway. I attempted to have them fix it and they stated there was nothing they could do. As for me I will be contacting my bank to take over this loan so that I will not have to deal with this company any longer.

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    Customer ServicePunctuality & Speed

    Reviewed Dec. 23, 2019

    My car was financed thru Ally Financial from 2015-2019. In 2019 I refinanced because I was being robbed at 17.6 APR. Ally got the payoff check on 11/22/19 and then did another EFT payment of 485.40 on 11/23/19. I am LIVID. Here we are 30 days later and too many lies as to when I will get back my 485.40. First I was told it would be sent FEDEX on 12/16 which is the 18th day per policy. I called on the 17th day just to ensure I was getting my money back. Fine. I call again on 12/19 to obtain a tracking number and was told I should receive my check on 12/19 or 12/20. So here we are on Xmas Eve Eve I call to explain I want a tracking number and was told the check was sent out regular mail on Dec 12,2019 and here I am 30 days later no refund that they shouldn't have took anyways. Beyond ANGRY.

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    Customer Service

    Reviewed Dec. 20, 2019

    Ally Bank is the worst finance company to go through. When it is time for me to get a new car, if Ally is the finance company, I will RUN out of the dealership. After I made my past due payment plus some of the current balance due, these people came and repo'd my car. Sergio in Open Management is the biggest ** ever, he told me my payment isnt being honored because it wasnt "certified" funds, mind you they transferred me to the 3rd party payment center when they harassed me for my payment. I made a second payment 8 minutes after they closed so it didnt post until the next business day & when I explained this to Sergio, his response was "that's not our problem". Long story short DO NOT DO BUSINESS WITH THIS COMPANY, all of your hard earned money will be thrown out the window.

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    Customer ServicePriceStaff

    Reviewed Dec. 19, 2019

    Financing through Ally was fine but trying to either refinance or pay off is a nightmare. We tried refinancing first but was told by one person that they couldn't do that because they were 2nd lien holder that the car dealership was 1st lien holder to speak to them. Of course the Car dealership said they didn't have anything else to do with vehicle after Ally financed it. After talking with two more Reps. from Ally, whom neither could hardly speak English and were hard to understand we told them we wanted to pay off loan in which one asked if we wanted to refinance after being told by the first of three that they couldn't do that.

    We said no we were paying loan off. Then we were told we had to do that through Western Union And if we were paying it off they would charge $2.00 for every day it's not paid off. So we called Western Union and that was a nightmare also. After 5 attempts finally got a Rep. on phone who could hardly speak English either. They would only take $2999 from bank account at a time and charge $4.00 for each time. So if you want to pay off a vehicle remember it will cost you $4.00 for every $2999. It was a nightmare. Would not recommend Ally Bank for auto financing. Interest rate was pretty high for over 740 credit score also.

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    Process

    Reviewed Dec. 17, 2019

    Locked in a loan and spent weeks gathering all documents needed. Told I needed to pay for appraisal. And as soon as it was done they said, "Oh sorry we should have caught this before we started the process but your house does not qualify since you had it for sale in the past." Which was the 3rd question they asked before starting the process. And I told them it was. They still haven't refunded my money and no way to repay me for the hours digging around for the 48 documents they required to scan in. Worst experience ever.

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    Customer ServicePunctuality & Speed

    Reviewed Dec. 11, 2019

    I have leased a Jeep from Koon Tysons in August 2016 for 39 months. I returned my car on time, with about 3,000 miles less than the total allowed and in very good condition. My husband tried to cancel our online account after the last payment made on November 30th and could not complete the transaction online. We both forgot to follow up on the matter and next thing I know, I see another monthly payment of $495 on my account. I call Ally and they assure me they will cancel the payment. In fact the next day I receive an email from them confirming the payment was cancelled. On my bank account, it still showed as pending so I assume it will take another day to be processed.

    Next day when I check again, and see that the payment was now processed instead of being canceled. When I call Ally, and after being put on hold several times "to check with her supervisor", I'm told that I will get a refund when the car is sold in auction... Sold in what??? What do I have to do with the car selling or being trashed. For all I know, I returned my car on time and paid my dues. This is complete BS and unacceptable. I will never ever work with Ally Bank and do not recommend it to anyone.

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    Customer ServicePunctuality & Speed

    Reviewed Dec. 10, 2019

    I co-signed for 3 vans using Ally as the bank. The company I invested with, went bankrupt, and the Ally account and payment portal was closed. I was unable to view payment information, so I did what any normal person would do and called their customer service number. I was given specific instructions for payment, which was followed accurately. We mailed in three separate checks to a PO box we were given and Ally says that they never received them. We provided the carbon copy of the check, they see that we called customer service, and were not directed to the proper department.

    31 days later, I received a credit alert that the payment for the three vans was late. I immediately called the customer service number and I was transferred to the bankruptcy department. I explained the situation and got the run around for two months to no avail. Ally still has it reported on my credit, that I was late three times, which is for three vans we financed. To top it off, I'm the co-signer. I immediately made all payments current. No letter in the mail, misdirected customer service, and a horrible sense of business from Ally. Use at your own risk, but God forbid that you need a human being, there are none at this company. Good luck to you!

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    Customer ServiceContract & TermsPriceStaff

    Reviewed Dec. 10, 2019

    This has to be one of the worse financial institution in America... I leased a 2017 Jeep Renegade from a dealership in Fairfax, Va. The Lessor turned out to be Ally Financial. I had never heard of them and I hope I never hear from them again. First of all they’re an “on-line” bank only. If you have an issue it’s done on the phone or on their website. They outsource their call center and the customer service reps barely speak English... If you have an issue, you’ll be transferred to someone else who speaks even worse English. They have little or no concern for the customer. Their main concern is making sure your automatic bill payment is set-up. This insures them payment no matter what.

    Ally tried to charge me a $335.00 dollar personal property tax they paid to Fairfax County, Va. sixteen months AFTER I had left the state! Ally sent me a notice prior to the tax charge bill, stating they had forwarded the Title to the Renegade to the tax assessor’s office in the county I had moved to!!! This proves Ally knew I had already left Virginia but still sent me the tax bill!!! They proceeded to tell me, “we have no way to contact Fairfax County to correct the problem???" Sorry, you (Ally) are the ones who paid the tax bill. I didn’t owe. If you’re interested in buying/leasing a new vehicle, do not sign an agreement with Ally Financial! Turn and run away from them as fast as possible...

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    Price

    Reviewed Dec. 3, 2019

    ** "bank" I've ever had the displeasure of using! They have picked a random day every month to take a payment from me and proceeded to charge me $30 as an "insufficient funds fee". This is ridiculous especially when my personal bank has a FEELESS 48 overdraft protection through my credit so you can add or move money around to correct the issue. This is the only payment institution I've dealt with that has added an extra nonsensical fee for something like this. Their blatant theft in this way has accrued them an extra $150 in total so far. I cannot wait to refinance and never deal with Ally Bank again!

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    Customer ServicePriceStaff

    Reviewed Nov. 24, 2019

    We refinanced My son's car with USAA 2 months ago and still have not gotten the title. He got a blue title envelope, but in it, was a letter that said they would send the title. We’ve tried calling for about 6 weeks. So many times We were transferred and put on hold for over 30 minutes! I called again today and was pretty fed up. Today I found out that ALLY sent the title to the wrong address back in OCTOBER! It is now almost December. My PO Box is 2097, they sent to 2091. Then the lady told me that the other bank was the one that requested it to be sent to a PO Box and the address was hard to read because it was handwritten, so basically they guessed.

    I would think that since they got a check for over $20,000, they could have called to verify the address If they couldn’t read it. And why would you send a letter to my house telling me you were sending the title, but not tell us the Address you were sending it to? Now They are sending us paperwork to get a replacement title that WE have to pay for. This whole mess could have been avoided if We knew they had the wrong address! If we tried to pay a payment in advance, they would wait until the due date to apply it. The interest was extremely high. We would have paid $46,000 on a car that was financed at $24,000. I didn’t even want to give 1 star.

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    Customer ServiceContract & TermsCoverageStaff

    Reviewed Nov. 20, 2019

    I bought a car through Ally Financial 1.5 years ago. I had a co-signer that passed away shortly after purchase and they had put his name on the title but not mine. I finally sell the car around a month ago and pay it off. I was told that the title would be sent in my name and would you believe it? I get the title in the other guy’s name. How can I be paying on a car that’s not titled in my name? Clearly illegal.

    Then I call the customer service line at least a dozen times and get different responses each time about what to do, each person giving false information to get me off the phone. Finally I get the true story from one of the customer service guys. He indicated I should have been alerted of what I needed to do to change the title to just my name and the company never did so. Now I have someone who bought my car, and I have a title in some other person’s name with no clean way of changing it, as DMV won’t accept my lien letter and title in that person’s name to be able to switch it over.

    So to summarize: Ally 1) didn’t include me on the title but did on the contract so I can pay them but not own the car once I’ve paid it. Clearly illegal. 2) Lied to me about what to do to fix said situation after multiple mistakes, and kept Fed Ex’ing me documents to have me figure it out in attempt to cover up their illegal activity, with the hope I would figure it out and leave them alone. 3) Then finally admit their illegal activity, and then tell me there’s nothing they can do, leaving me essentially screwed.

    I’ve had bad customer service before, but this one takes the cake. I will be destroying them legally over this, good luck to them, as I have documented every conversation and every person I spoke with, specifically the false information I was given all the times I called. As a doctor, there are four key elements that get us sued successfully: 1) duty to someone, 2) breach of duty, 3) injury caused by breach, 4) resulting damages. Not only does this company fulfill all requirements but they tried to cover up wrongdoing, just the nail in the coffin.

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    Customer ServiceStaff

    Reviewed Nov. 17, 2019

    Will be the first and last time using Ally Financial. Worse experience ever. At first they are very nice getting loan and making the payments. But once your loan is going thru a totalled loss and insurance is making investigation and makes them payment they come out with late fees and finance charges on top of once loan is pay off. Worse customer service ever and can never get a correct answer from their associates on the phone. I been in the dealer business for 20 yrs plus and have never deal with anything like this. Would not recommend ally financial to anyone. Trained your employees to have all the correct info in computers for customers to get correct information and not changing every time calling.

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    Sales & MarketingOnline & App

    Reviewed Nov. 16, 2019

    I have a savings account. I needed money to pay a bill. It said I would have it by Wed. A week later it's Saturday and I haven't seen it. I go to the app and it says bank not available. I think this bank is a scam.

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    Customer Service

    Reviewed Nov. 13, 2019

    I just bought a new truck from a dealership and they ran it through Ally Financial. I had to register my checking account with them on-line to make my payment without being charged a fee of $3.45 So I did. Only to discover this month I was double charged for my truck payment after making it on Nov 8th. They debited my account again on Nov 13th saying it was set up on auto-pay. I have never used auto pay in 50 yrs of being on this earth!!! They had no reply for why they took the second payment after receiving the first one Nov 8th, other than "it was auto pay!" Worse yet it wasn't applied to my principal. It was added as a credit for future payment! CROOKED!!

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    Customer ServicePrice

    Reviewed Nov. 11, 2019

    I unfortunately accepted a car loan at the dealership with Ally financial and this is absolutely the worst company I have dealt with in 25 years of car loans. In 3 months I've paid extra every time. When you pay extra it's supposed to go towards the principal (Total amount owed) and not saved as a credit for future payments. However after paying close to $2,000 in 3 months and seeing my principal only decrease $900, but my paycheck saying that I owe $0 for at least 2 months coming up I quickly figured out their scam. Crediting the extra money towards future payments allows them to charge a interest rate on a principal balance higher than it should be. Whereas if they applied my overpayment towards the principal balance it would decrease it and they wouldn't get as much money from a interest rate on a lower balance.

    I called their customer service who tried to speak to me like I was a novice and then I spoke to a supervisor who again tried speaking to me in the same manner until I explained my history with car loans, home loans, credit cards as well as the fact that I had experience previously working in the financial industry, before switching to law. I then requested the payoff amount, because I will be having another lender take over my loan. I would never recommend the crooks at ally financial. If you are looking for a reputable lender who will treat you right go through chase. I've never had a problem with chase and that's who I'll be having take over my loan.

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    Punctuality & Speed

    Reviewed Nov. 11, 2019

    This company is horrible. Trash would be an understatement. They allocated my payments to wrong thing and showed as late payment. How can you have a late payment with auto pay? No one at the company speak proper English or understands when I explain an issue! I’ve been getting the runaround with no solution to my problem. But yet they send me a text about a late payment.

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    Customer ServicePunctuality & Speed

    Reviewed Nov. 9, 2019

    I have had an auto loan with Ally for 3 years. I had heard horrible things about them but never had a bad experience until now. In August I had to split up my payment. I ended up paying the second half 8 days after my payment was due and was charged a late fee. When I paid the remaining balance, it included the $7.88 late charge. The page stated I was being charged the additional fee. When I looked at my statement this month, preparing to pay my monthly loan payment, it stated that I owed a late fee of $7.88.

    I contacted customer service and was told that yes, I paid the late fee in August, but I did not call them and tell them to allocate the extra money to the late fee, even though the payment page showed that I was being charged the late fee in my payment. They further agreed with me that nowhere on their page does it state that one has to call in to have the late fee that you are being charged with, allocated towards that late fee. I was told that I should have known that I needed to call to do this, even when the payment screen shows me paying the late fee. I am currently in the process of finding another company to refinance my loan with. I will not be dealing with this company ever again.

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    Customer Service

    Reviewed Oct. 27, 2019

    I called in to get an extension due to switching jobs. I was told that was fine. When I told them I didnt get paid till the 18th and my payment was due on the 16th they stated that it wouldn't be a problem. I broke my payments up (due to switching jobs) and was to pay 127 on oct 16th and 284 on nov 16th. They have marked my payment as late and now say I have to pay it in full. The customer service is awful and I hate calling in. I'm looking at other companies to refinance to just get away from them.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed Oct. 25, 2019

    I WILL NEVER FINANCE WITH THEM AGAIN. I have been dealing with them for 3 years. The customer service is AWFUL. In recent events I have had to call customer service several time about late fees on my account. I know that I have 10 days before a late fee is applied to my account. Within the 10 days grace period they will harass you to the point that you don't want to answer your phone. So when I finally do answer it's always a Foreigner sticking to script. I explain to the customer service rep what I already know.

    So now to the late fees. The customer service rep always says what the amount due, I ask is that including late fee, the reply is yes that the amount due is with the late fee. That's is a lie. I submit payment when I tell them I going to submit it. Then I have to call and tell them that part of my payment is for late fee, they apply the whole amount due to the principal. Why do I have to call to correct this, I still don't know. So now I have late fees. I have called several times and have been told a bunch of crap and that it will be handled. As of me typing that they still have not been handled. Every time I call I get the same bs about the late fees being handled. CUSTOMER SERVICE SUCKS.

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    Customer ServicePunctuality & Speed

    Reviewed Oct. 24, 2019

    I made the mistake of applying for a mortgage with these bozos. After repeated requests for things that had nothing to do with the loan application, verifying that I was correct and then asking again for the information that they agreed wasn't necessary. I was asked to explain their pulls of my credit file, the transactions of my 401K which wasn't being used at all for the mortgage, copies of a cancelled bank check which you don't get back DUH. Jumping through hoop after hoop because the people who are reviewing the loan application are only following the computer requests and never reviewing any of the materials they demand.

    The last straw with these clowns was coming to work and being told that during the evening hours, they had faxed my personal and confidential information to a fax machine that I had never given them the number for or authorization to communicate with. I inform all of the people that I had dealt with that I was withdrawing my application due to complete violation of my confidentiality. I instructed them to Cease all communications. Did that stop them? NO. The moron who sent my personal information giving the entire company and who knows else my salary, my social security number and details about the home I was trying to purchase had the nerve to call my comptroller and try and verify my information. Good thing I had already informed everyone that this company was not to get any information from them about me again.

    I did receive a "sorry we are looking into this" email but TOO late. You already did major damage that a simple sorry can not fix. So if you don't mind BS and risking identity theft or like having to jump through hoop after hoop trying to answer the same things over and over then go ahead and deal with these morons but you have been warned.

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    Customer ServiceStaff

    Reviewed Oct. 22, 2019

    Ally Financial is the absolute worst lender I have ever been with. I have spent several months proving that I have made my payments on time. They have done absolutely nothing to help. They have not documented properly. None of the supervisors have done their job, and the customer service people are a nightmare! I would never advise anyone to borrow from them ever!

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    Customer ServiceContract & TermsPunctuality & SpeedStaff

    Reviewed Oct. 11, 2019

    Been banking with Ally for many years and up until now couldn't fault them. Something has changed and not for the better. Over the course of the last 5 weeks I have had truly abominable service from multiple people: Sent 3 secure messages to the IRA department - all ignored - I had to make multiple calls from Europe to tell them what I needed and demand it get actioned. They didn't process my wire transfer for a week -called again from Europe to be told that they were undertaking more checks because my signatures were not identical on the distribution request - I asked why no-one had informed me of this fact or the fact there was going to be a delay. NO explanation was forthcoming. I had to email them a copy of my driver license to confirm ID - whose signature is ever identical if it's a real signature!?

    When they did process it, they didn't do it according to my instructions and so took out the wrong amount of taxes so then had to reverse the wire and re-do it. As part of the contract for the sale of my home I had to refund my tenant a large sum of money. So I processed a bill pay request. Check was sent to my tenant and I followed-up with him a week later because he hadn't cashed it. He thought it had gone missing in the email so I called the bank and put a hold on the check and they advised me that I could always call back if the check appeared, and remove the hold so my tenant could cash the check. Check turned up so I called the bank and was assured that they had removed the hold so he would be able to pay it into his account or cash it.

    One week later he tried to pay it into his bank and his bank tells him there is a hold on it. Of course he is mad at me so I make another call from Europe - lasting 70 minutes only to be told that because I have a non-US mailing address (even though my account shows a physical US address) I am not able to use bill pay - now think about that - 3 weeks have gone by since I requested bill pay - they even cut the check and sent it to my tenant - put a hold on it - removed the hold from it - and this is the first time being told this 3 weeks later! I am now in breach of my contract to refund my tenant. Customer Service person says, "Never mind. You can use Zelle to pay him as long as you have his email or phone number although I would need to do 2 transactions over 2 days because the payment amount is over $5000." No problem. I said I will do that.

    I mentioned I was going to make a formal complaint to their Legal Counsel about my experience the last 5 weeks, and she says, "Let me put you through to a supervisor who can help." Supervisor says he can escalate to their Executive Resolutions Department who will contact me. (I get the feeling they don't want me to contact Legal counsel.) Then he says, "You know you can't use Zelle either because you have a non-US mailing address." At this point I about lost the will to live, and recounted almost word for word what the customer service agent had told me = that I could use Zelle if I had his phone number or email address!

    I ask him why, if I have an actual physical US address on my account, does having a non-US mailing address even matter. SO I suggest if we change my mailing address to match my physical address that should remove the problem. Yes he says - he assures me that the hold is now taken off the check and my tenant can pay it into his account - I ask him, if I don't have the ability to make bill pay requests because of my non-US mailing address, why did the bank cut the check and mail it to my tenant, and then have multiple conversations with me about the check.

    I am so mad about both these issues - I will wait and see what Executive Resolutions say before deciding whether to contact their legal counsel directly and escalate the the regulatory bodies too. I have had to make about 6 calls from Europe all between 40-70 minutes and still haven't got definite resolution until I know my tenant has paid the check into his account. I used to recommend Ally Bank to everyone but am looking to move all my money out as soon as I can.

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    Reviewed Oct. 8, 2019

    This bank is the worst. I had an auto lease and extended the lease for one month and they promptly cashed the check and then lost the paperwork. Then they send me another invoice for the number of days that I actually did extend the lease for. So instead of getting a prorated refund for the time I returned the auto, they are trying to double bill me.

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    Reviewed Sept. 28, 2019

    My car was totaled back on May. My insurance company paid them and there is a balance due. I called and spoke to someone and was told to pay what I can. I just received a statement from yesterday. Today I received another letter from certified, now get this, they are going to repossess my car and they give the date the trip is going to happen and my thoughts are, "How do you repo a car that’s been totaled." I laughed when I got it. Who is running that loan department that you send out a letter this stupid. I mean really!!!! I have another car financed through another bank.

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    Customer ServicePrice

    Reviewed Sept. 25, 2019

    Every time I think of this company it frustrates me. Everything was fine until my car got totaled. Getting the documentation I needed from this org for the claim was irritating but not the worst. I got everything I needed so insurance would pay out. I was still left with a balance, which apparently Ally refers to some other agency for collection when you're paying on a loan to them for a car that's no longer in service. My account was no longer available to pay online to after this transfer.

    I get a printed letter in the mail - in SNAIL MAIL, IN 2019 - telling me I have to call this other place, this is the only way I can get info on my account now. Fine I call. Guy I talk to re-confirms - there is no online account functionality available to me now that my loan's been transferred to this other agency. There is only this static number printed in a letter weeks old by now saying what I owe and how much interest accrues daily. Since they hadn't gotten the check from insurance yet, they tell me when my next payment's due. They make sure to make it explicitly clear that I still owe them. The tone here was pretty condescending.

    Within a week of receiving the insurance check I get another letter with the new balance and accrual and that new due date. A couple weeks later I get another reminder letter of this balance that's due. This is still before the due date. It feels like harassment. I get a consolidation loan and send a check for the whole remaining balance, PLUS A COUPLE DAYS EXTRA COST OF THE INTEREST FOR THE TIME IT TAKES TO MAIL THE CHECK. I want nothing else to do with this company at this point. You think they send any acknowledgement that they got the payment? Oh no, that's too much trouble. They have all the time and resources to harass you when they think you'll give them trouble paying but can't bother to communicate when you follow through on your end of the deal.

    I wait a couple months, WHY is there a BALANCE FOR THIS LOAN ON MY CREDIT REPORT NOW! In COLLECTIONS?! I can't conceive what magic math they came up with that results in me still owing when I already sent a check for everything I owe and then some based on the calculation THEY GAVE ME. And why in God's good name is the account in collections because of that? Why wouldn't you send a communication saying I still owe so I can resolve it? Again can't be bothered.

    I'm more than frustrated obviously - I'm furious. I have student loans, I know what terrible customer service looks like, That doesn't enrage me as much as this experience has. If an agency could be passive aggressive this is what it would look like. Don't finance with this company. EVER. If you have to do anything with them besides send them money every month they make it a horrible experience.

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    Customer ServiceStaff

    Reviewed Sept. 24, 2019

    They are not an ally. Too bad you cannot do negative ratings because one star is too high. My account was locked when attempting to add a recipient to Zelle on Thursday. Ally emailed me about the transaction with instruction to contact the bank if I did NOT perform this action. As I did perform it, I did not contact them. I see no change in my balance, as Zelle is instant, and assume something went wrong. I then attempt to send money, via Zelle, to an acct that I hold at another bank. It is then that I get the error message that my Zelle acct is blocked.

    I call customer service and wait for them to finally answer the phone, and am informed that yes the acct is blocked and that I must speak to Loss Prevention. This dept is a joke. It appears they run the company, which may be fine, however they clearly do not have the tools or bodies to handle the task. I am transferred to Loss Prevention and am on hold for 45 minutes when I give up and leave my number for them to call me back. No call. Friday. Still not able to use Zelle. Customer Service cannot help. I request a supervisor, who does not get on the phone.

    After the wait to get to Customer Service and the many holds with agent while he was trying to get some help, it is now 5 pm Eastern. You guessed it! The Loss Dept is now closed, and I am informed that their hours are Mom - Fri. No one else has the power, authority, or desire to assist me, and I have to wait until Monday. Coincidentally I am off Monday. I call at 7 am, my time, and am on the phone until 10! The first person I reach seems frustrated that I am calling, and informs me that the system to access Zelle is down and I will need to call back in the afternoon. I get off the phone with this person, determined now more than ever to get all of my money out of this bank. I do not wait to call back that afternoon, and instead call back at 8 am.

    This Loss Prevention person unblocks my acct, and informs me of Ally’s processing of Zelle transactions, they make you wait 30 days to get instant transfers after you have used Zelle multiple times with the same person/method. Since I now really need my funds instantly moved, glutton that I am, I call this pitiful company again. I speak with a very helpful person in Customer Service, however, she does not have the power or authority to make the changes to my acct to get me instant funds transfer access. I am put with the Escalations Team. I find there is no way around the 30 day wait window, and the only option to get near instant funds transfer is to wire the money. I set up the wire Monday. Nothing!

    Tuesday morning, and I am again on with Ally, on hold because it seems Loss Prevention approves wire transfers as well. This company has no sense of urgency, nor is there any customer appreciation with this company. There is no, we messed up, we gave you incorrect info, no we did not return your phone call. I get the impression that I am being done a favor being allowed to be a customer. If I ever get my money out of this acct, I will NEVER use any services offered by them again, ever. I will now go back to being on hold, 1.5 hours and counting, waiting to be told how again they cannot help me.

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    Customer ServiceContract & TermsPunctuality & SpeedStaff

    Reviewed Sept. 23, 2019

    I wish there was a negative score system Stare going to 1 through 5 for bad Because Ally is the worst bank I have ever used. I leased a 2014 GMC Sierra 1500 through Ally and was never late. This company is a bunch of liars and scammers. I turned the truck in and had to pay $2600. in over mileage fees so I spoke with them and set up a payment arrangement with them. Which I paid every payment on time. Then I found my father DEAD in the basement and had to pay 10K in funeral Fees. This happened halfway through my payment schedule so I called them to tell them that I was not going to be able to pay the month of October of 2018.

    This is where the ** gets good. The Agent some random guy from Ally I told him what had happened and we made a new arrangement for the payments and he told me that it would NOT BE A PROBLEM!!!! Then I get a notice in the mail from a collection agency stating that I have been written off. So I called Ally to find out what was going on and they told me that no such arrangement was done and that I can no longer speak with them and that I have to deal with the company that took over my bill.

    I tried to explain to the other agent what had happened and they denied it and said it is not in there hands anymore. So now I have a derogatory/late payment on my credit report. Please people stay away from Ally and I mean far away from Ally. They will ** up your credit. I have never and I mean ever paid a bill late. Stay away from Ally. Run if you can, that is why the auto dealers are not using Ally anymore and they are using GM financial.

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    Reviewed Sept. 23, 2019

    I've been making partial payments and instead of them putting it towards my car note like have been for the past 2 years they decided to put it towards the interest. If you see I'm making partial payments that's for a good reason. Now I owe the car note!!

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    Customer ServiceStaff

    Reviewed Sept. 11, 2019

    I have had an auto loan through this company for a while and they are fine if you absolutely never have to call customer service. I have had to call them over 30 times in the last three months to get them to send me paperwork to get permission to remove a second person from my car's title. All they requires is for them to send me paperwork and for me and the person to be removed to sign the paperwork. Took me 10 calls to get them to send me the paperwork in the first place. Every person that I talked to had no idea what I was talking about and had no record of my previous calls.

    Finally I got the paperwork sent. Filled it out and sent it back. They have no record of receiving it or even sending it to me in the first place. It's been 2 months since then. I've called Every day since then and been transferred to other departments and no one has any idea what I'm talking about. It's been a nightmare. Finally to resolve the issue I refinanced my car with a different bank. I have never been more frustrated with a company.

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    Customer ServiceStaff

    Reviewed Sept. 11, 2019

    My car was flooded and totaled out. I called Ally to inform them of this so I wouldn’t have to continue to make a car payment on a car I didn’t have because it had been towed. The lady I spoke with said that my insurance needed to call them and it would be taken care of. My insurance calls and then about 15 minutes after they call, I call Ally Bank to confirm everything. They have no record of my insurance calling 15 minutes ago and tells me that the first person I spoke to told me all wrong info. I asked for a manager and still they are telling me they didn’t receive a call from insurance. I spoke with my insurance and they did in fact call. The manager was no help and he kept repeating the same thing because he couldn’t understand me and I couldn’t understand him because I know he wasn't from America. I do not want to have to argue with someone when I did exactly what your employee told me. They need to learn to properly train Americans!

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    Price

    Reviewed Sept. 2, 2019

    They are quick to take your money, but getting it back is like pulling rattlesnake teeth. Closed IRA accounts (2). Week & half ago. Said it might take 10 days for USPS to get the check to us. No expedited mail options! Losing 30$ a day interest. Should be investigated for using depositors money, making millions, with no compensation. Still no checks. Stay away from these shysters.

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    Customer Service

    Reviewed Aug. 30, 2019

    They don't keep agreements and are rude on the phone. They did not record notes even though they say they do. For the past 6 years I keep telling them the same thing and yet they don't update notes. I WOULD NOT RECOMMEND THIS COMPANY TO MY WORST ENEMY. I don't give it a full star... Not even a fourth of a star. I honestly don't know why this business is even open. Do not use this company! Do not use this company! DO NOT USE THIS COMPANY!!! They will screw you the first opportunity they get and they don't do anything to help correct the situation.

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    Customer Service

    Reviewed Aug. 26, 2019

    In 2014 I financed a 2012 Ford Edge. First problem occurred in 2017, I was unable to get title information to register and plate the vehicle in GA. During my calls, customer service was poor and unsatisfactory. My vehicle has sat from 2017 - 2019 resulting from inability to get title information to register and plate the vehicle. Recently, 2019 August my vehicle was reposed for inaccurate and omitted payment history. Since the vehicle repossession I have had a horrific time just trying to get a fax number to submit accurate payment history. I have been yelled at, and argued with and given incorrect information. I have been advised of the pending payment associated with the repossession; additionally, I have been unable to resolve this situation therefore, I have had to report this problem to the Better Business Bureau, Consumer Financial Protection Bureau and the GA Attorney General.

    Currently, I am attempting to find legal representation to resolve this matter. I fear the outcome will negatively affect my credit. Completely, stressed-out over the fact that I have never missed a payment with the only fortunate comfort is that I have maintained all of my payment history. Still I have not had a successful phone conversation with any Ally personnel to resolve this matter. Never, ever will I recommend this company to anyone, nor will I ever to business with this company again.

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    Reviewed Aug. 26, 2019

    Ally allowed fraudulent Loan for $64000! Someone applied and got a loan with ALLY for 64k under my SS using a different address from my credit report address and misspelling my last name. How can they not be suspicious of that? I hope they have to ''eat'' the fraud they were stupid enough to allow. It's caused me to lose days of my life fighting this and getting it off my credit.

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    Customer Service

    Reviewed Aug. 26, 2019

    I spent 2 weeks trying to set up an Ally Trust account. I followed every instruction to open an account online. Nothing happened. I called and they said they didn't get the uploaded trust docs. So, I sent them directly to the trust email. Still no account information was sent. I called again and now they are telling me I need to send them by mail. This is not what their "opening an account" tells you to do. I was told twice to upload them to their email. I finally decided not to go with Ally. If it is this hard to open an account, imaging when there is a REAL problem.

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    Reviewed Aug. 12, 2019

    Recently opened an account with Ally and getting them to send your distribution takes forever. I requested a distribution on 7/29/2019 and as of 8/12/2019 still no money. They claim they mailed the check on 8/1 and it could take up to 10 business days to arrive. That is just insane. I have a feeling the check is lost and it will take even more time to get a distribution. I told them I needed the money for food and meds but they told me there is nothing they can do to speed up the process. I will be moving all my accounts from Ally.

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    Customer ServiceStaff

    Reviewed Aug. 9, 2019

    Yesterday I was highly irritated with another national company after repeatedly attempting to solve a particular problem, and when I finally gave up and called them, the person I talked to only served to irritate me further. Still angry, I next called Ally Bank to address an issue regarding access to my online account. Ally's customer service representative promptly solved my problem and did it in such a way that I was laughing instead of grinding my teeth. I have always found Ally Bank's customer service to be top-notch.

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    Customer Service

    Reviewed Aug. 9, 2019

    I am so glad that I switched to Ally Bank! The overdraft charges are strep $25 each items, but their customer service is bar none. And you can deposit using your phone. I would highly recommend Ally!

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    Reviewed Aug. 9, 2019

    Long waits to talk to someone on their 800 number. Also, more difficult transactions require too much verification. Otherwise my experience has been fair.

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    Reviewed Aug. 8, 2019

    The only downside to the online account is the inability to deposit cash to your account. If you need to deposit cash you would need to get a check or money order to do it. Or you would have to deposit into another bank account and transfer.

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    Customer ServicePrice

    Reviewed Aug. 8, 2019

    The customer service is great. I was able to chat with someone online and they helped to walk me thru the steps of an IRA transfer. The interest rate is a little bit higher than most financial institutions. Ally Bank offers a wide variety of accounts. As the years have gone on I started with a savings and now have a credit card, CD and rolled over my IRA.

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    Customer ServiceStaff

    Reviewed Aug. 7, 2019

    Ally has been wonderful in their customer service. Someone is always been there when I have a question, they are great! Ally has worked with me when my payments were running behind due to a divorce (when my husband, Kelly, met a girl 23 years old, 44 years his junior, in Guatemala). He lied and said I abandoned him.

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    Reviewed Aug. 7, 2019

    We've utilized this bank for quite a few years as a separate savings and have used the auto division for a few loans. The use online is excellent with easy navigation of the website. Mobile deposits can take a while especially when some of the writing is not clear. A few times I have had to ask for another check from someone or submit a couple times. That's it.

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    Customer ServicePricePunctuality & SpeedStaff

    Reviewed Aug. 6, 2019

    This is absolutely the most crooked company I've ever worked with in my life and I've had a lot of car loans in my days. I purchased a vehicle from them 14 months ago at Ken Garff in West Valley City Utah. I purchased it under my personal credit and my business credit to help establish my business with credit. My rate was 14% with the ability to refinance 12 months later. I went to refinance and they wouldn't approve me for the loan because they said I was too upside down in my vehicle. I've paid $10000 over a 14 month period and $7000 has went to interest. I'm not a mathematician but that's 70% interest not 14%.

    Because I'm self employed I don't always make my payment on my due date. It's usually a couple weeks late never 30 days late but a couple weeks. Not only are they hitting me with a late fee they say by being late for every day that I'm late they change my finance charges and that I should have been told this when I got the loan from the finance department at Ken Garff so I called them and they said that's bull crap. They've never heard of a loan being able to change your finance charges depending on whether your payment's on time but Ally is claiming that it was in the fine print of the loan that I signed. I've spoken with managers, etc.. and they all say the same thing that this is their policy! It's not right what they're doing and looks like they've screwed people in the past. BUYER BEWARE!!

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    Reviewed Aug. 6, 2019

    Would like making deposits easier. Instead of mailing in, maybe use debit card for quicker access as I don’t trust the post office at all! Could breach account info if lost. Otherwise it’s great value.

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    PricePunctuality & Speed

    Reviewed Aug. 6, 2019

    I have only a savings account. Pro: interest rate is a little better than available at brick-and-mortar institutions. Big con: it takes 24 hours to withdraw funds; I can't get money quickly for emergencies.

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    Customer ServicePriceStaffProcess

    Reviewed Aug. 6, 2019

    I would recommend Ally Bank to anyone. The customer service is commendable as is the interest paid on accounts. This online bank also offers competitive rates on home loans and provide exceptional assistance every step of the way. I have never experienced difficulty meeting requirements needed to complete the process. The feeling of being treated like a person instead of just a number adds to my being committed to the outstanding service Ally provides in every aspect of involvement experienced by me as a client. Rest assured that you to could expect an identical association throughout once connected with a professional representative of this established online programs available to the public. OUTSTANDING COMMITMENT TO EXCELLENCE. Thanks for the opportunity to express my pleasure.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed Aug. 5, 2019

    I love this bank! If you ever need to call in the customer service reps are cordial and competent. Online banking tasks run smoothly and efficiently. Bill pay works from one bank to another very quickly.

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    Price

    Reviewed Aug. 5, 2019

    Ally has been a godsend for me and my family. They are extremely digital friendly, convenient, offer fair savings interest rates - and best of all I can access my money anywhere. Would definitely recommend them.

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    Customer ServiceSales & MarketingPricePunctuality & SpeedStaff

    Reviewed Aug. 4, 2019

    Worst customer relations experience ever! Staff rude and unresponsive, only response was threatening to have a collections company pursue me for their excess wear claim. Returned my vehicle in excellent condition. No issues, including any windshield damage. No notice of 3rd party inspection, did not occur in contractual time frame. Received a $1,295.78 invoice for a greater than 1/2" windshield 'crack' per their Dings & Dent guide. Their own report photographically documents that the chip was acceptable.

    Repeated attempts to discuss the situation and challenge the charge was met with no oral or written response. Denied my claims that the windshield was not damaged before return to dealer. Told me I had no recourse since the car had already been resold. Lessee beware! Obviously a scam among Ally Bank, 3rd party inspector and vehicle reseller since repair cost would be less than a $100. Do not lease a vehicle through Ally Bank.

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    Customer Service

    Reviewed Aug. 4, 2019

    I really like Ally Bank. I can do everything online which I love and their rates are better than brick and mortar banks I’ve had in the past. I’ve never had a bad experience with customer service either.

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    Reviewed Aug. 4, 2019

    Have linked my local bank to Ally which allows easy transfer of funds between the two banks. This allows me to have my pay check to come to my local bank for my immediate needs, then transfer the surplus fund to Ally for their great savings rate. Then if the funds in Ally are needed it is easy to move the funds to my local bank.

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    Reviewed Aug. 3, 2019

    I really like their online banking. I've had them for about 1 year and haven't had any issues. I have a pretty busy schedule so the online banking options has served me well. I make my payments from my phone without any hassle.

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    Price

    Reviewed Aug. 3, 2019

    I really enjoy the ease of access to my account through the mobile app and online. I especially enjoy the high interest rate I receive on my checking and savings accounts and the ATM fee reimbursement! Only downside is that you cannot deposit cash and it can take a few days to transfer funds from a brick and mortar type bank into my online bank account.

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    Punctuality & Speed

    Reviewed Aug. 2, 2019

    In 2012 I opened an auto loan with Ally. Just recently paid it off on July 12, 2019. I'd read a lot of bad reviews about this company but not once did I have a bad experience in 6 years. Always made my payments on time with no complaints of late fees. From the time I paid the vehicle off it took 3 weeks to receive the title with a cancelled lien. Today is August 2, 2019, not a bad wait. Ally did OK by me. Bottom line, I would go with them again.

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    Reviewed Aug. 2, 2019

    I use Ally Bank as my primary on-line bank and have been a very satisfied customer since the bank started. The service and products meet my needs and wishes and has even limited my use of the credit union available through my employer.

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    Reviewed Aug. 2, 2019

    I found Ally Bank easy. It was easy to open the account, easy to set up & easy to connect with my other banks. Plus, it offers no fees, which is really important to me. I’ve been with the bank about six months and have recommended it to several other people.

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    Reviewed Aug. 1, 2019

    So I was going through hard times and decided all I could do was to give the car back to Ally. I know they sell the car in auction and I am responsible to set up arrangements to pay off the balance. The car was given back on 10/31 and a few weeks later they sold it for 7 thousand dollars less than I owed. They sent the ONE letter to me sometime in November telling me it was sold. I never received another letter to give me the information to set up payments. Had I been late in the past on a payment, I would receive one letter a week to remind me!!! But after the one letter in November/ December, I didn't hear another word from them. Not that it's an excuse, but the holidays are hard enough to juggle.. Forgot about the letter!

    Had family medical issues and hard to keep anything straight and still function at work. I was trying to fix my credit so I could possibly purchase a house, instead of over paying in rent but within 60 days I had already been sent to collections making it impossible to even think about buying a house and no way to come up with $7000. Not sure how to even start to handle this with Ally. If anyone reading this has any information or suggestions, it would be greatly appreciated. Again, I know and realize that I owe this money. Feel it was handled wrong on their part as well. Thank you. Hollieday

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    Reviewed Aug. 1, 2019

    Online banking is convenient. I can check alerts and do my online banking at anytime. Manages my accounts from paying Bill's, keeping track of alerts transactions between accounts money transfers. Makes

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    Price

    Reviewed Aug. 1, 2019

    Interest rates are very competitive with the savings accounts; with no minimum initial deposit needed to open the account. It's also very easy to transfer funds back and forth from my regular checking account.

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    Customer ServicePriceStaff

    Reviewed July 31, 2019

    Ally financed my truck through the local dealer and offer a decent APR. I made my first payment online and three weeks later get a phone call that I owe them my payment plus a late fee. I called them back with the confirmation # they gave me. After speaking with multiple people they refused to acknowledge the confirmation # or do anything to work with me. They insisted on a double payment plus the late fee. They also charge an additional $4 to make a payment over the phone. I had to borrow a computer to write this. So they now owe me for an extra payment which they still refuse to acknowledge and I had to pay extra fees despite the fact it was their mistake. I am looking for a new bank now.

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    Customer ServicePrice

    Reviewed July 31, 2019

    Prior to changing over 100% to Ally Bank (online) was with US Bank who had horrid service, no interest to sneeze at, website didn't work 24/7-couldn't talk to anyone unless 9-5 M-F. Since with ALLY, am extremely happy with their Banking and even re-fied my Home thru them. AWESOME! Interest checking .10, Savings was at 2.18, down this mo. to 2.08 constant interest. Banking online is the only way to go. IF I need Cash, go to grocery store get cash back, can go to any ATM, Ally will pay $10 if you use any other than theirs monthly. Checks, can scan and instant front/back in bank and usable next day. My Checking/Savings accts all get interest. Chat online for instant answers about anything. OR call Toll Free No. same thing. 24/7. Can't lose - it's a def. WIN WIN!

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    Reviewed July 31, 2019

    Really enjoy my service with Ally. Would never go back to a brick and mortar bank. They at least are even helping with refinancing my mortgage, whereas Chase.com my previous bank refused. It's the wave of the future, online banking.

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    Customer Service

    Reviewed July 30, 2019

    I was unable to sign up. I've spent hours calling and trying to work with them, and I get a different answer every time I call. Some bug occurred during my application, and there was no way to recover.

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    Customer ServiceStaff

    Reviewed July 30, 2019

    They are always updating their site to give more choices and make them clear. If you need help, they are very helpful over the phone. Their rates are great, since they don't put their profits into grand buildings. Easy to transfer money between accounts in their system or even transfer money to or from somewhere else.

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    Reviewed July 30, 2019

    I like to recommend this bank to my employees because there are no fees and a person can open multiple accounts for various savings goals free of charge. It’s an easy platform that is well built and that goes for the desktop and mobile versions of the user experience.

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    Customer ServicePriceStaff

    Reviewed July 30, 2019

    They have No Customer service, They call it customer service BUT !!! & they have NO managers to speak to, Just customer agents. That’s it. And they can't help you at all!!! & I tried to pay my vehicle off. They made arrangements with the person's BANK that bought my truck to have the check sent directly to Ally. They keep sending it back to me!! I’ve been on the phone with them 8 times. It’s been over a month and my truck is still not been paid off!! These guys are ridiculous!! Don’t EVER use this bank. I talk to someone and have a similar experience and said that they don’t want you to pay it off and keep trying to get you to make the payments so they collect interest!!!

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    Customer ServicePriceOnline & App

    Reviewed July 29, 2019

    Ally Bank is a quality company with good interest rates. It was easy to set up my accounts and to access them online. Customer service is better than some banks I have accounts with. The app is stupendous. Security is top notch.

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    Customer ServicePriceEase of Use

    Reviewed July 29, 2019

    Ally Bank is easy to use online, I can still get cash from local ATMs with no fee & if there is a fee, Ally will reimburse me. Customer service is topnotch and the interest is higher than elsewhere. Love it!!

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    Customer ServicePricePunctuality & Speed

    Reviewed July 28, 2019

    Due to customer service and underhanded tactics we refinanced through a REPUTABLE bank. Complete loan paid off including INCORRECT late charges (charges due to simply stupid customer service)...and we have documentation to prove. They are still reporting delinquent to the credit bureau. IF YOU HAVE ANY OTHER OPTIONS TO FINANCE GO WITH THAT! Even if you have to pay higher interest because in the end you will pay more because of the convenient way payments end up late through their shoddy bookkeeping.

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    Customer Service

    Reviewed July 28, 2019

    Never had an issue when banking with them. Depositing checks are always done the first time and transfers to another bank is credited the next day. Never had to call customer service and the rates are excellent.

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    Customer ServicePricePunctuality & SpeedStaff

    Reviewed July 28, 2019

    Well first of all I've had a hard time getting financed. For the fact that they were able to finance my vehicle made a huge difference to me. Anytime I've had a question or an issue about anything whatsoever all I had to do was to Simply pick up the telephone and place a phone call to the customer service line where an actual human being and not a robot directed me exactly what to do and what steps I should take to solve the issue that I would be having at that particular Moment In Time. That says a lot to me.

    Customer service is starting to slowly become a thing of the past and when I can call a number and speak to an actual human being and one that can speak English well nonetheless makes a world of difference to me and puts me in a better mood. There was a time not very long ago that I was not able to make my car payment on time and instead of giving me a hassle about it or charging me any type of the late fee May simply extended my due date. As a single mother who works two jobs that is very helpful to me because sometimes we need that extra extensions to push through. I would definitely recommend this Bank even though I am paying 18% interest rate. I would rather pay high interest rate on a car than to not have one at all. It is a 2013 GMC Terrain black on black and I absolutely love it and I believe that it is worth every penny that I pay in the payment as well as the interest.

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    StaffEase of Use

    Reviewed July 27, 2019

    Ally offers best rates, has 24 hr customer service, easy to navigate website and no hidden fees. I have found them easy to work with over many years and will continue to stay with them. I appreciate products such as no penalty cds and the bump up in rate as a loyal customer that renews a cd.

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    Price

    Reviewed July 27, 2019

    Ally provides a competitive interest rate without tying up funds. Very easy to move money when needed. Can transfer funds electronically. Provides a good number of banking products. Highly recommend this bank.

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    Staff

    Reviewed July 26, 2019

    Ally Bank is one of the best banks ever. Easy deposits, easy to get money with no penalties, always very helpful and accommodating, always willing to help, always there when I need them.... They also have very competitive rates - higher than most banks.

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    Customer Service

    Reviewed July 25, 2019

    I made 39 payments on time. Turned in my 2016 Chrysler 300 in pristine condition and 400 miles under allotment, 14 days ago. I have made 4 separate calls, being transferred to off shore, back to US, and as many as 5 transfers with no answers. It is incredible how many depts. they have and none can give you a simple answer to any question.

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    Customer Service

    Reviewed July 25, 2019

    Ally was my first mobile bank experience. It started out very user friendly to deposit checks. I overdrafted by $3 after being a customer for over a year. They now hold any check I deposit for up to 9 days. Customer service is very courteous, and tries to be helpful but still won't release the deposited checks. I'm very disappointed, it was a great convenience for me, but I'm going back to a traditional brick and mortar.

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    Ease of Use

    Reviewed July 25, 2019

    I am delighted to have found this bank a little over a year ago. It's so easy to use online and has great CD rates. They have many different options which can all be selected or changed online quite effortlessly.

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    Price

    Reviewed July 25, 2019

    Easy to set up. No sneaky fees. Went here for my banking because my bank wanted to charge me fees for holding my money. Ability to do all online is a time saver. I like being able to send my check by camera for deposit. No more standing in line.

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    Staff

    Reviewed July 22, 2019

    When I went to the dealership for the loans they found for me, my first 2 options were in the 20%s. I told them no and proceeded to get up out of the chair very surprised. Then he stated they found one at 8%, why he didn't say it in the beginning is beyond me. I went with Ally and have been pleased with everything.

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    Customer ServiceStaff

    Reviewed July 21, 2019

    Easy to work with. Willing to work within your budget. Has auto pay option. Very happy with their service. Would finance another vehicle with them. Good customer service skills. Payment amount is within our budget.

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    Price

    Reviewed July 17, 2019

    Ally handled my first ever car loan. They were easy to work with, and the online payment center was a breeze to make monthly payments with. I definitely recommend them for those new to having loans or buying a car. To boot, their interest rate was 1.1% lower than the one for my Wells Fargo loan on my new car (which I will be refinancing).

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    Reviewed July 16, 2019

    They helped when I was buying my last car, nothing spectacular. Most of the interaction has been through the website, no personal contact as of yet. It was more transactional than a relationship. I may use them again, but might not.

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    Customer ServicePricePunctuality & Speed

    Reviewed July 15, 2019

    Quick response to phone calls and questions, excellent interest rate on car loan. Got me a 23% reduced to a 12% loan. Easy to work with, fast response on phone and on emails so that you know where you stand on the loan very quickly.

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    Reviewed July 14, 2019

    Rates too high and they aren’t a supportive lender, bought a vehicle without a extended warranty offered by dealership so decided that wasn’t correctly so decided to trade into a vehicle that I could purchase one, they declined my loan.

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    Sales & Marketing

    Reviewed July 13, 2019

    Liars, cheaters, scam artists. They tell you one thing and do another. Also, I was told I could refi within 6 months to help lower monthly, they flat out said not gonna happen without ever starting any process and I had not missed any payments.

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    Customer ServicePrice

    Reviewed July 12, 2019

    I wish I could give the company negative stars! I bought a car last year through a dealership. They chose the financing to be done through Ally Bank. What an awful experience this has been. Anytime I call, I was always put on hold for a long time. Whenever I made my timely payments online, I paid extra so that the money would go towards the principal, but that never happened. The payments were always delayed so I would then have to pay more interest. Buyer beware, choose another company to do business with.

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    Customer Service

    Reviewed July 12, 2019

    Not much to say really. They were no hassle. Competitive rate (lowest). Never had an issue and never had the need to contact customer service with a problem. Currently on my 2nd loan through Ally. Will definitely use again.

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    Customer ServiceStaff

    Reviewed July 11, 2019

    When it comes to personality, courtesy, professionalism, reliability, patience, and dedication to customer service, Ally excels. No long waits on customer calls, if you need a loan extension, payment problems, they're a phone call or website away. These are people like you and I, not actors or automated voices. I would recommend them anyone.

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    Customer Service

    Reviewed July 10, 2019

    This company frequently shuts down its own website and forces people to make payments over the phone and charging a hefty sevice fee. This has been happening for weeks with no explanation. Customer service does a terrible job of explaining matters. It’s insane how a bank. A BANK, cannot afford to fix its own problems. Please disregard the fake positive reviews. Avoid this bank at all costs.

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    Customer ServicePricePunctuality & SpeedOnline & AppStaff

    Reviewed July 10, 2019

    I have been a customer of Ally Bank for 2 years. All of my experiences with them have been poor. My struggles began just after 6 mos of paying on time for my 2017 Jeep Cherokee. I signed up for their app and after the first payment, this company reported me to the credit bureaus as late. I used their app for the second month and they reported me as late again. I had to dispute the late payment with them; they said they were going to remove it from my credit report but still 1 year later the 2 late payments are still there. They have on multiple times tried to charge me “misc” fees, late fees and such. After asking for detailed information about my account and all payments received they agreed to remove the late fees.

    Recently I tried to make my auto loan payment on their website and it was down for at least 2 days. I called the customer service line and they were unable to help because they can’t take payment over the phone. This is suspicious because I’ve paid by phone several times. The agent instructed me to go to a third party site to pay my bill at a $10 fee to me, even though their site is down. The agents will give you the runaround, tell 1/2 truths or lead you to believe outright lies. Their rates are not that great and not too competitive either. This bank is for people with compromised credit and other credit issues. It’s best to choose a different lender. Please stay away from this bank!

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    Customer Service

    Reviewed July 10, 2019

    I have had my loan through Ally for over 2 years-not once had any sort of an issue. I am extremely pleased. My payment is taken out of my account automatically each month, never early. I receive an email each month thanking me for my payment.

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    Customer ServiceStaff

    Reviewed July 9, 2019

    I made a double payment in June 2019. I called the Monday after I realized that I made the double payment. It was confirmed that the double payment was made, therefore, I should be sent a check in the mail within 7-10 business days. I called ALLY on 7/9 and was told over and over again that the 2nd payment did not get processed through MY bank and the transaction was reversed so the money should be in my account. The representative kept repeating herself as if it was rehearsed. FINALLY, she put me on hold and double checked to confirm if what I was saying was true. She comes back on the line and told me that the payment DID go through and they are issuing a checked within 7-10 business days, AGAIN!!

    Now I have to wait another 7-10 days. I feel like I have been patient enough. As quick as institutions are to take out the money, why is it so hard for them to put it back? I don’t get it. At this rate, I am not sure if I will ever see that money. I cannot believe the treatment that consumers get when it comes time to be paid back/reimbursed. How is this fair??

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    Customer Service

    Reviewed July 9, 2019

    Super easy to complete the application. Everything was paperless until we got to signatures. Competitive rates and great customer service. I had never considered Ally as a competitive force in the auto loan industry until this recent experience.

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    Customer Service

    Reviewed July 8, 2019

    Anytime I try to make a payment online I have to call them to get my password reset and it’s been like that from day one. I find it terrible. I also have a hard time understanding what they’re saying because their foreign accent is hard to understand.

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    Customer Service

    Reviewed July 7, 2019

    It was a seamless purchase until I got to the question; what if I refinance in a year, will I be able to keep the extended warranty? No was the answer. I love the web interface and ease of payment with Ally. I have had no other issues.

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    Reviewed June 25, 2019

    I signed up for personal banking and got assessed an overdraft fee, simply because I cancelled an external transfer. Good thing is I didn't have any money deposited in the accounts, yet, so the fee took away from nothing. Since I'm definitely not paying that garbage, I just opened a new account elsewhere and dumped this place. They also completely lied about when I'd receive my debit card. It was sent out on the 11th, and I was told I'd receive it by the 20th. I received on the 24th. They have no idea what they're doing.

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    Customer Service

    Reviewed June 12, 2019

    I've been waiting for a refund check from this company for 3 months. They claim they have mailed it. As of June 12th, I haven't received anything. Keep in mind they first mailed the check to me on March 6th. In addition to not receiving my check. I have called customer service to find out the status of the refund. The customer service department is the worst. All they do is lie. Every time I call them I spend an hour on the phone trying to track down the money they owe me. I've requested the refund to be sent out FedEx overnight, I've been told the refund will be sent overnight and what ends up happening they send the check regular mail and mysteriously the check disappears. If you have any choice on who you do business with, I would avoid this bank at all cost.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed June 6, 2019

    I was a few days late on payment and they claimed to have called me multiple times. I’ve never gotten a call from them that I can identify as them calling, and the only contact that I can confirm was from them is ONE voicemail I got from an unknown number stating it was Ally. The day after they left the one voicemail, they called several of my family members/non-family members stating they were calling looking for me. I called back Tori, who was the one leaving everyone voicemails and she was incredibly rude.

    She would not answer any of my questions that I asked on how they were able to get those people’s information and she would only answer with “we have tools and system that we can see who you referenced as contacts” and would not answer any of my other questions with anything other than “we have nothing further to discuss if you’re not going to listen to me” when I attempted to ask for specifics and not the generic answer I kept getting over and over again. They called people I have never had any legal relation to and had numbers I myself didn’t even have for the people they called, and to call their customer service line and have that terrible experience made me regret financing with them. Their practices are borderline illegal and I will be refinancing my loan elsewhere as soon as I am able. Do not recommend them to ANYONE.

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    Price

    Reviewed June 3, 2019

    I received a auto loan from Ally in Feb of this year. Since May I have requested 3 times for a complete statement that shows all my payments and interest charges. Each time they send me something that does not add up. I tell them this and they say they are going to send me the correct one and I just keep receiving an incomplete information statement. This has happened 3 times already. I have an extra $1,000 that is not accounted for in interest or payments and they are not sending it to me. They just keep saying, “Sorry we will send it to you this time,” and then they can’t send it right away. They say it will take 3-5 business days each time (probably hoping I will forget about it) then after a week they send me the wrong thing again. Watch out for this company. I have the chat history from each time I talk to them and it is ridiculous. I don't even know who to report them to.

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    Customer ServiceSales & MarketingPunctuality & Speed

    Reviewed May 28, 2019

    Please beware when leasing through Ally! They will seriously pull one over on you. I recently tried to get out of my lease a year early and the payoff amount they gave me when I called was a completely different amount when I went to sell the car to a dealership. They raised the payoff by $1200 that I had to eat. I have never had this happen with any other lender in my life. It was almost like a bait and switch and I will never lease another car through them again. You are better off getting a different bank to finance your car than trusting Ally. My guess is if their lease department is this shady the bank itself can’t be any better.

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    Customer Service

    Reviewed May 28, 2019

    Due to a bank error, my payments were denied (funds were available, this is another story). Ally claimed I could no longer use this account to make payments, which is my ONLY checking account. I was told I could use a third party phone service to pay so the payment is not late. There was a charge for this. I was told my account would be reset and I could start making online payments again. Another month went by, my account does not accept my payment, now my credit report has a negative mark, despite the fact that I have the funds in my account and Ally will not accept it.

    I was told again to pay from a third party phone service and charged for this again as well. After hours on hold with various departments, I was told my online account would be reset and I would receive a phone call within 72 hours with new information. This was 2 weeks ago and I have received no call. I have 0 interest in supporting this company in the future and would advise against signing up if possible.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed May 24, 2019

    Buying a car can be irritating experience by itself. No need for third party to make it even more stressful. Ally Bank does not think so. It is my bank, online only but they will make money order as a normal bank would and mail it as a free service. I decided to make use of that service I even took expedited overnight service. So it arrived two days late. My mistake for not checking it before mailing it to a dealer in Texas, I was in a hurry. To make story shorter below is a picture of the check with innovative way of writing innovative. Needless to say they could not cash it. So I am calling my bank and they are very sorry and apologetic. They waiving expedited costs and at no charge sending overnight delivery with a replacement check. It arrives two days later and all appears to be good but...

    Two weeks later I noticed that my account balance is too low to pay off my monthly bills. One glance and is clear that they made another mistake, instead of using a check tracking number that allows canceling off old one they made new one from my remaining money and old one is in a check limbo. They cannot fix it because department responsible is already closed but they are still apologetic. Next day my time on call waiting hits 5 hours. They not apologetic anymore. They are demanding. I should fix their mistakes, ask my dealer in Texas to mail me check back then I have to send it to them. So I answer that the only reason they would hold this check for three weeks would be if they realize comic value of it, frame it and laugh at it at the times when knowledge that there is someone more stupid out there is needed. If it's lost you must make them create notarial forms of losing this check and send it back to them..

    So I answered that check was never lost, it was misspelled and abandoned by Ally Bank somewhere in a check limbo. And that they are making me extort false documents about “lost check” from a dealer so they can satisfy some kind of bureaucratic needs at my and car dealer cost. So I ask for higher management. They will call you within two days. Three days since that was said. There is no check limbo of course. They have that money and make profit of it while I pay minimum payments on my credit cards. Maybe they think that I did not spend enough time on waiting line? Well I decided to spend my time more creative. Case **, **. No pictures here. Oh well according to Ally you spell innovative like that “INNOWVEATIE”

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    Punctuality & Speed

    Reviewed May 21, 2019

    I made over payments to pay my car off early. After two years I noticed my balance was not going down. I call, they said my car would be paid off months early. I asked them to apply the extra money to the principal. They said they would fix it. Now almost 5 years later on my last payments they say a payment of $500 and one more payment of $900.00. Guess what? Not early at all. Sending my info to my account for him to figure out. Never again. I'm out hundreds of dollars thinking I was paying off early.

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    Customer Service

    Reviewed May 16, 2019

    Having seen an ad for Ally bank and being quite interested in taking most of my business away from brick and mortar, I signed up for an Ally bank account. A week down the road I sought more information on how to make my first deposit since I had not yet received my "welcome packet" which I did not receive within the time I was told I would.

    I called the "customer service" number and the recorded message said my wait would be about ten minutes. Always wise to have something to do on the computer so no problem. Ten minutes later the recorded message STILL said my wait would be about ten minutes. (I am convinced they have a VIP program that large business customers can use to bypass the queue).

    Until you are a customer there is no way to chat or communicate in any electronic method other than the 800 number so I wrote a snail mail letter to their headquarters asking that they call me and I even promised I would not make them wait 20 minutes. No answer and in the meantime I received notices that if I did not make a deposit by a certain date they would close my account. I did not and they did. So, the customer service line is worthless and the headquarters will not reply to complaints. It is useful to have discovered the horrid customer service before I became established. In the meantime I am looking at other on-line banking opportunities.

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    Customer Service

    Reviewed May 15, 2019

    In January 2019 I opened an online checking account with Ally Financial. For my initial deposit I mailed to them my IRS tax refund for $7889.55 which was in the form of a Department of Treasury check -- from the Internal Revenue Service. I received my new account number and debit card soon after. When I attempted to use my new -- activated -- debit card to withdrawal $400 at an ATM machine, it was declined. I immediately went online and checked my account which said "denied access". I called the number as instructed and was told I needed to email the "Fraud Department" a copy of my driver's license, utility bill and social security card. I ensured them I am who I claim to be but went ahead and emailed them all three items they requested.

    That was almost 6 months ago and I still have NOT HAD ACCESS TO ANY OF MY FUNDS! I have made 57 phone calls to every phone number I can find for Ally Bank. I have left messages with every department including "loss prevention" and their "Corporate Headquarters". Nobody will return my call -- Nobody will help me. This has been an absolute nightmare. I have filed complaints with the BBB and left negative reviews warning people to avoid Ally Financial. I never thought that in this country that a bank would engage in this type of obvious criminal behavior. I pray that this letter finds a person in power who can retrieve my money. Thank you. Your help in this matter is greatly appreciated. Respectfully, victimized American citizen by Ally Bank.

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    Price

    Reviewed May 14, 2019

    I installed a brand new running boards that I purchased from the dealership and the dealership said that it would be OK for me to have them installed on the vehicle. I return the vehicle with the running boards on there figuring I don’t need them and I did them a favor when they did the inspection they told me that the running board was damaged and I old them for it. They also told me that the side panel is dented which it was not. I had just picked it up from my collision shop. Now they’re telling me if I don’t pay the bill it’s going to go on my credit. They also charge me for a tear in the seat which I do know was there and I am willing to pay that. Never leased a vehicle through Ally. They're a rip off con artist.

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    Customer ServicePricePunctuality & Speed

    Reviewed May 14, 2019

    They have tried multiple times to charge me a late fee after I actually made my payment early. They say their system didn't receive the payment in time, and that's why they charge me. It's not my fault their system doesn't work correctly. I also found out that all the spam calls I get to my cell phone are because Ally sells your personal information.

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    Customer ServiceStaff

    Reviewed May 14, 2019

    Stay away from this underhanded bank!! I leased my truck through Ally. The lease was 39 months. Final payment being made via auto pay April 9th. To my surprise I get an alert that the bank withdrew a 40th payment May 9th truck being due back to dealer May 15th.. I called them and ask for an explanation. Their reply was, "Oops sorry, but unfortunately we will not refund you until you return the truck." They said I should of cancelled auto pay. My reply was it’s a 39 month lease, why should I worry about auto pay.. It’s a 39 month lease, why would you, and what right did you have to take 40th payment out of my account and then hold it hostage..

    I felt like I was dealing with criminals. This was no oversight. They knew exactly what they were doing. It was intentional. Also, tried getting an extension on the lease from them. ** crooks. They double your payment. Would of jumped from $340.00 to 680.00. Take a hike ** thieves.. Toyota and Chevy are great to deal with.. No probes on extension, same payment. Stay away from this bank. Do not lease with them. Trust me.. Thanks!!

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    Customer ServiceCoveragePriceStaff

    Reviewed May 12, 2019

    The initial process was 100% until it went to the loan section. The person working on this screwed everything up. Didn't know how to handle trust documents/ never had before. Cost me $45 in FedEx overnight - wouldn't refund. Was told I would get copy of Deed of Trust after it recorded DIDN'T! Had to call the title co. and have them send me copy. 1 month after it all was paid and closed. Should have been done as soon as I paid the final closing cost. Then tried to cover his **, afterwards by telling false statements about what really happened. Because of his negligence and improper training left bad feelings.

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    Customer ServiceSales & MarketingPunctuality & Speed

    Reviewed May 11, 2019

    Opened an Online account with Ally Bank. For my initial deposit I sent them my $8000 IRS Tax Refund which was a US Department of Treasury Check. Probably the highest guarantee of funds check that exists. After a week of not having my funds available I contacted Ally who informed me that they are investigating "Fraud". As instructed I emailed my Drivers License, Social Security Card and Utility Bill to them -- to prove that I am who I claim to be.

    Fast forward 6 months later and I still do not have access to ANY OF MY MONEY! Nobody will return my calls -- and customer service connects me to Loss Prevention who never picks up the phone and NEVER returns my voice messages. Ally Bank is a scam. I am currently in communication with the Federal Bureau of Investigation and the Federal Reserve who I hope will bring these thieves to justice and return my money. You have been warned. Do not trust any positive reviews. They are from Ally Staff.

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    Customer ServiceStaff

    Reviewed May 6, 2019

    I did a mobile deposit of my federal tax return to Ally Bank on 4/29. Two days later when the money was in my account, I wired it to my bank in Hawaii because all of my bills including my mortgage, solar, cars, etc. are paid out of Central Pacific Bank. I received a call Wednesday 5/1 from the Ally Bank Fraud department saying that they froze my account dues to suspicious activity. I was told that the verification of funds would take 24 hours. On 5/4 I called and was told to call back Monday 5/6. I called back on the morning of 5/6 and was told that there was nothing that could be done pending the US Treasury Department.

    I then attempted to call back twice directly to the fraud department where I was hung up on after 2 calls waiting for 20 minutes each. I then called back to the regular customer service number where I was transferred by the customer service agent to the fraud department after 1 hour on hold. I spoke to someone there briefly and I asked for a manager. I was put on hold and approximately 4 minutes later I was hung up on again. I called the treasury department and was told that the funds had been released to the bank on 5/1. It's 5/6 and my money is still not available to me, and my Ally bank account is still locked including my other savings account. They are choosing to hold my money that has already been released to them 5 days ago by the federal government. I am now being told that the review would take until 5/10. This is 9 days after the funds were released to them. DO NOT USE THIS BANK.

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    Customer Service

    Reviewed May 5, 2019

    My car was totaled and I had Gap insurance. I called Ally customer service to find out what I needed to do. The customer service rep. informed me that my insurance and Gap would handle everything. She also told me that I no longer had to keep paying on the car because the Gap insurance would pay the remaining balance on the car from the insurance company. This conversation was recorded.

    A month later, I was told from Ally that information was false. This was one of many wrong messages from customer service. Ally Bank would send me emails from their Gap insurance division requesting information needed to complete paperwork for the insurance company. Afterwards, I realized that they were not the GAP insurance company for my car and they never sent the paperwork to the (REAL) GAP insurance company. I have the emails to prove this as well. Ally is good for taking your money only. If you ever have to use Customer Service for any reason, it will be time out of your life that you can never get back. I sent a letter to Ally regarding this situation and they did nothing. So I am posting this complaint in an effort to save at least one person from the problems of bad business practice. They do not deserve your money. Go to a credit union instead.

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    Customer ServiceStaff

    Reviewed April 30, 2019

    I awoke to find Ally had closed my account. I looked and saw an email thanking me for completing the sign up but it showed I had closed my account and withdrew what was in it. Upon calling they couldn't tell me why at first then checked with the back office that said that they discovered I was using my account for business. What rubs me is that they never said I could not get some funds from a business and I called once and asked if I could open a business account and they said they didn't offer one. They never said I could not have deposits from a business. The woman offered to open another account for me but I told them that I also do eBay selling off some personal items and Poshmark selling off some of my clothes and jewelry I don't wear and trade with others.

    I asked if that would throw a red flag and get the account closed because they see it as a business. She put me on hold and went back to the "back office". After about 5 minutes she returned and said they considered Facebook, eBay and the like as businesses and that they don't allow that. I responded that until you make 20k you aren't considered a business and don't get a tax document and that she could look at my account and see that I hadn't made that much and it wasn't a business but she didn't care. That's their policy. I told her that if I went to a flea market or had a yard sale and deposited the money into my bank account she would have no idea where it came from so why did it matter that due to it coming from online they consider it a business. No response. She asked what she could do for me and if I still wanted another account but I said that neither she nor Ally could ever do anything for me again.

    This is the worst nightmare because I have deposits that are in route as well as a hefty return that I needed to do at a store where I used their debit card. She said it would just have to bounce back and then I could deal with it. Is she stupid? If I did a return at a big box store and they mark it refunded and the money comes back I would never see those funds. What I will do is check the fine print and see if they specifically limit you to "no business" funds and if not I am seeking out an attorney. They could have called me or emailed me to ask me to cease and desist but they didn't allow me that courtesy. Just a cold hard slap in the face, thank you very much!

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    Customer Service

    Reviewed April 28, 2019

    Won't let you pay to principal. When making payment you have to call in to be able to apply anything to the principal. Calling in sucks and if you don't they just roll over till next payment holding your money for their own profit. They rob you.

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    Customer Service

    Reviewed April 23, 2019

    The fees are ridiculous and the first time you have a problem, the only way to solve it is by calling in but what happens when customer service gives you wrong info, Ally will blame you and hold your $$.

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    Customer Service

    Reviewed April 19, 2019

    I requested to have my car payment lowered and the customer service told me they would call me back in 2 days to inform me of the change. Days and weeks have gone by and no response. I called back and haven't been able to get a hold of anyone from the finance department. I no longer receive payment updates through emails. My Ally account is completely empty. I can't review my payment history. The only thing that I can review is my bank information on the Ally account. It is going on 2 months now with no update and I need help. I'm not sure what I can do at this point. Can someone give feedback?

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    Customer ServicePunctuality & SpeedStaff

    Reviewed April 18, 2019

    No way! I requested a re-write for a monthly reduction. They said 'Sure, we can work with you, we will be in contact within the next 2 days'. Promptly my car went offline and off access in any way. I figured they were doing the rewrite. Days went to weeks, a month later and numerous phone calls (all saying 'they're in meetings'). It came back over my due date, full amount and penalty. Cannot reach them no matter how hard I try. They will not respond. Operator says 'they're very busy'. That's cool, can someone address their clientele? At all?

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    Customer ServicePriceStaff

    Reviewed April 18, 2019

    Opened joint account online on 4/7/19, after entering all my personal info, I received a message that "DUE TO HIGH VOLUME" response time would be 3-5 business days or longer. WAIT, WHAT? I'm giving you money, and I need to wait a week? OK, deep breathe, I will wait for the 2.2% rate. I ended up waiting 6 business days, then went online and started an online customer service chat, gave my app ref # and they said my information was not on file. WAIT, WHAT? What happened to my data? My SSN, personal info, not on file? Online rep took my cell and said someone would call me within 1-2 business days. UGH, ok I waited.

    Today, 8 business days later, I call in and speak to a rep who says my information could not be authenticated? WAIT, WHAT? I had to call Ally Bank to find this out? NO WAY, but yes it's true. The rep also said they could not delete my personal information so my data is out there. I went online tonight on Marcus by Goldman Sachs, took me 5 minutes and application was approved, and we made our initial deposit of $25,000.00 at 2.25% interest. 100% TRUTH AND UNBIASED REVIEW.

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    Customer ServiceStaff

    Reviewed April 17, 2019

    I've had this account for a few years and could not not have had a more awful experience. I only have a savings account mind you. I transfer money from my Golden 1 account to this account automatically. Last month my phone was stolen and I had a family emergency. There were no funds for the automatic transfer. I lost my password due to the stolen phone so called to reset it. The women in customer service said she can't help me and I needed to wait for a callback in two business days. I explained the situation and that an automatic transfer would happen in two days. She told me she could not help me and would not explain why. I told her I'll call back in an hour and she said they will not help me until two days from now.

    Two days later it attempts to pull from my bank and my bank charges me overdraft. In a few days Ally calls me back. The person doesn't know anything and explains he cannot stop transfer, he cannot assist me online, and said another transfer would not be attempted. Well they tried again and my bank charged me again. They then suspended my Golden 1 account.

    Now I do not have access to transfer funds at all. I called today and spoke with Penny. She told me that my account will be suspended for 6 months due to too many failed transfer attempts! She said the "back office" would not approve it. She refused to relay previous notes, dates, or the first name of anyone I spoke to. I also work in a call center and have never heard of such a thing. Now I have to request a check to empty my account. She told me it would be overnighted and later said 2-3 business days. She repeatedly ignored my questions and seemed ignorant of how their processes worked. She kept saying umm and did not make me feel confident in her abilities. I would never recommend this bank to ANYONE.

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    Customer ServiceStaff

    Reviewed April 12, 2019

    Ally is a good bank with competitive rates. However lately when you call them you will experience an extremely long wait time. It is usually over 10 minutes. In the past they had very short wait times 2-3 minutes. They must have more business than they can handle or have reduced the number of customer service representatives. It's a shame as I use to speak highly of Ally. However, now I no longer recommend them and am looking for another bank.

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    Customer ServicePunctuality & Speed

    Reviewed April 5, 2019

    Paid off my car loan. The guy on the phone said I would get my release quicker (4 days) if I use Western Union. Four days later no release. I call, they now say 7-10 business days. Still nothing, chat online. Now they say 13 days. Said they would fax a copy, of course that ALSO takes 1-2 business days. Still never received it. Contacted them again, they will FedEx it to me... in 1-2 business days! I am not going to hold my breath. Lip service while I'm sure the president of the company laughs to the bank. I will never use them or recommend them.

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    Customer ServicePrice

    Reviewed April 3, 2019

    Attempted to transfer my maturing CD from my bank to Ally Bank because of their higher interest rates. Downloaded appropriate transfer form and faxed it to Ally after which they were to send fax to my bank requesting transfer of funds. My original bank never received their fax. Called Ally (after spending more than 1/2 hour on hold). Was told fax went out that evening. My bank never received it. Again called Ally--was told fax went out. Again my bank never received it. Again called Ally--was told fax never went out because I was to have filled out another form about which I was never told. I cancelled my transfer as, I had no faith that, after spending hours attempting to reach Ally by phone, Ally Bank was capable of handling my funds. I would give them 0 stars.

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    Customer ServicePricePunctuality & SpeedStaffReliability

    Reviewed April 3, 2019

    Was looking for a new checking and savings account that would provide good interest and low rate. I did pretty extensive research and came down to deciding between a Fidelity Cash Management Account and Ally. At the last minute, I decided to go with Ally because I heard in the savings, you can create different buckets or goals, and I liked the color of their debit card. A big mistake. I just got a message that I'd hear back in 3-5 days. There was no email, no decision pending message in my current Ally investing account. I wanted to know what to expect so I called. I was starting a joint account and spouse just completed bankruptcy. They checked on status on application and said they couldn't approve because of that.

    I would totally understand if I was trying to open up a credit card with them, but they do realize that I wanted to open a checking and savings...two accounts that would be funded with our own money. I said, "Why do you need to do a credit report anyway for a checking account (not to mention I'm already a customer, have a an auto loan with them as well that I pay on time)," and they said it's for identity. Clearly not about identity if they are rejecting for this reason. I said fine, no skin off my back, there are literally hundreds of other banks that would love to have my business and for me to give them MY money. There are plenty too with high interest rates, no fees, free arms. I by no means need Ally with all the other options out there. And I'm more upset about the days I wasted waiting to hear back. Poor communication. Poor service.

    As soon as I hung up, I finished my application with Fidelity (also a joint account) and was approved instantly. Fidelity, a name that's much more reliable and trustworthy than Ally, was able to approve us for a checking and brokerage account in seconds. And they will probably be gaining a customer for life. Had to call customer service right after for a question and I was blown away with how much more helpful they were than Ally. They were literally happy to have a new customer and easily answered my questions with half the wait time on the phone.

    I am actually thrilled that Ally rejected us at the start so we didn't get stuck living with the mistake of choosing them. Would've been much worse to have started using them only to have switch all accounts down the road. Stay away from Ally. There are much better options out there. Fidelity for one, and I also started an account with Aspiration, who doesn't offer joint accounts yet, but seems to be a good choice so far.

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    Reviewed April 2, 2019

    If you are getting a lease, walk the minute Ally Auto comes into the conversation. I hope all dealerships know not to go through them. They do not provide many of the normal services that others do such as pre turn in inspections. My dealership doesn't even seem to be aware of this because they were the ones who told me to contact them for an inspection. Overall, I am disappointed and will never take a lease through them again.

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    Coverage

    Reviewed March 31, 2019

    I was in an auto accident where some kid hit me. Their insurance did not cover all of the costs so I had to rely on my Gap Insurance. I thought the reason we paid for Gap Insurance was so they covered the rest of what is owed. But apparently not because I still had to pay out of pocket so my car was paid off.

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    Customer ServicePrice

    Reviewed March 30, 2019

    Alternatively titled, I'm your customer, not a criminal! I have been with Ally for a couple years and until today would have given them a 5 star rating. I called in to change my phone number as my ex decided it would be entertaining to shut off my phone without warning. While on the phone with Ally, they tell me that without being able to text my old number they can't change the number and have to submit an incident report, they'll contact me in 1-2 business days (keep in mind, I'm calling in Saturday at 10 am) to get it fully verified. What they fail to mention to me is that the "incident report" is a fraud report that will block access to your account immediately! I find out via e-mail, thankfully while still on the phone with the bank.

    This leaves me without access to my only funds for a minimum of 3 days, to include the last and first days of the months, when auto pay accounts are due and I have no access to fund the appropriate accounts. At this point I've been on the phone (mostly on hold) for a full hour and a half and counting trying to get access to my account again. Treating customers simply trying to change a phone number as if they're criminals is not the way to treat long term customers. Your 2.2% interest rate isn't worth it.

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    Customer Service

    Reviewed March 29, 2019

    I have been with Ally for over three years. I make my payments on time, for the full amount or over the amount, every single month. In February, my credit card was stolen and I canceled the account. I thought I had updated my payment information for all online bills but forgot Ally. That was my mistake. However, I received no calls, no emails, no one telling me my payment was declined. I keep very good budget records and rarely check my bank account (I know what's coming and going and assumed the payment had been taken out of the account).

    Payment was due February 12th. On March 8th I received a call that my car was out for repossession unless I paid Ally $200 by the end of the business day. Panicked, I tried giving them my credit card or bank account. No, I had to go to a Walmart and make a certified payment. (Why Walmart? I have no idea. The operator instructed me to go to Walmart to do this). So I left work in the middle of the day to make that payment. I then made additional payments after the repossession was "called off" and got caught up on what was owed- even overpaying by $98.79.

    It is now March 29th and I am still getting harassing calls on my cell phone as well as at my work. They offered me a 60-day extension on my loan. I stated repeatedly that I do not need an extension - I can pay my bill just fine every month, but they processed the extension anyway. I still received a call this morning stating I owed $852.17 by the end of business day today and how would I like to pay that. Considering my monthly payment of $352 was already paid AND I'm caught up on my missed payment as well as additional fees (totaling $804.21) in March alone, I was livid.

    I pulled up my online account and no, I do not owe anything. This company harasses their customers and lies about what is owed. Had I not been so on top of my budget and finances, I would have panicked and paid them whatever they asked, just out of fear of repossession. Will be paying off this loan immediately so as not to allow them any more of my money through interest and fees. Absolutely terrible - do not recommend for a loan of any kind. And always keep your own records.

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    Coverage

    Reviewed March 22, 2019

    I had an automobile loan through Ally Financial. The automobile was totaled. Right from that point the nightmare began. It took them three weeks to find the payment from the insurance company to pay off the car. Then they sent me a letter saying that the car was paid for. 20 days later they sent me another letter saying that they had made a mistake and had applied Gap coverage to my account that did not belong to me.

    They then called my account in arrears and within days hit my credit report. I immediately called the company upon receiving their letter and spoke to about 10 different people. I finally got one woman to figure out what the mistake was and no one at all knew what the mistake was. It is now one month later and I am in a dispute with this company to clear my credit and my co buyers credit.

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    Walid increased rating by 4 stars.
    Customer ServicePunctuality & Speed
    After a positive interaction with Ally Bank, Walid increased their star rating on Jan. 17, 2020.

    Updated review: Jan. 17, 2020

    After I submitted a formal complaint, Ally contacted me and resolved the issue to my satisfaction. Ally waived any outstanding fees and marked the loan as paid in full. I am happy with my experience with Ally and actually I would recommend it to my friends and family.

    Original Review: March 22, 2019

    I returned my leased RAM 1500 to the dealership on 01/31/2019 and leased another (through Ally as well, unfortunately). The truck was in perfect condition when returned with no noticeable scratches. Three weeks later, I got a letter form Ally requesting $283 for an alleged scratch on the side of the truck. I called them to investigate, and I found that the inspection was done on 02/15/2019, i.e. more than 2 weeks after I returned the car.

    I informed them that this scratch did not happen while I had the car and I offered to give them a picture of the truck taken just prior to returning it, but they didn't care. They also threatened to report my lease loan as in default on my credit report in case I don't pay promptly (although the lease loan was paid in full, so I am not sure how legal is that). The customer service was extremely rude and unprofessional. Ally is definitely a third degree bank, or even worth, that is not worth anybody's respect. I don't recommend it to anybody.

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    Customer Service

    Reviewed March 22, 2019

    Very poor service. Called 5 times regarding a gap insurance refund and received 5 different answers and they have no clue and very hard to understand. They have a written speech and won’t let you talk to a supervisor. Poor excuse for a company. Go elsewhere.

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    Customer ServicePrice

    Reviewed March 22, 2019

    I opened a online savings account in 2017. Said to give 1.5% to this day. They tell me I only have $2.83 in interest on my $1000. Because they closed my account without telling me because I didn't send them my driver's license and home bill. No emails to me to say they closed my account. So I called them and said I want to get my money back and end this account. I sent them the information they requested online, email to their fraud department which they said they received and now to wait for a phone call Monday from a person named Tara. The fraud department said it takes 24 hours to process this, I'm still waiting, it's going on 2 weeks. I will post more info. After the phone call they say they will give me on this Monday 3/25/2019.

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    Customer ServiceStaff

    Reviewed March 21, 2019

    I tried to use their Zelle payment to send money to a contractor. I already used it many times without problem. However, this time it triggers fraudulent prevention and I was told to call their customer service. So I called them and first talked to a customer representative who told me I need talk to their fraudulent prevention department because my account was in restricted hold status. He transferred my call and that's where nightmare started. Now I already waited more than one hour and am still waiting. This is the longest waiting time in my 50 years life except those calls to some government offices.

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    Customer ServiceStaff

    Reviewed March 21, 2019

    This is truly a POS company. If you aren't a dealer you get zero respect from rude people. Then despite flawless credit, a net worth of 1M+, we waited 3 weeks, wasted numerous phone calls to be constantly treated rudely. We were turned down for 50 grand loan to close out a primo unit from one of their existing clients. I had to open our credit freeze 2 times and they still couldn't manage to get it done in a timely manner. SOUTHEAST FINANCIAL, out of Nashville, was nothing but a pleasure to deal with. Everyone was polite, we were approved in 2 business days. All details were professionally handled and we were "in the loop" at all times. Not sure why anyone would want to do business with ALLY!!!

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    Customer ServiceStaff

    Reviewed March 20, 2019

    I had a loan with Ally in 2017. I traded in my car and the loan was paid off. I received a letter stating that my loan was paid in full. Two years later they sent me a letter that I have a balance and are calling me non-stop. After several hours of being on the phone they said they should not have sent me the letter with the confirmation of pay-off and have now reported the balance past due to the credit agencies. This is not my fault that they made this mistake and should correct it on their side. I've been transferred around and their customer service reps get upset when I explain the situation. I have now hired an attorney to deal with their negligence! Never again Ally!

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    Customer Service

    Reviewed March 19, 2019

    OK, so I tried to set up a new Savings Account at Ally to accompany my existing money market savings. I was unable to set it up online. After numerous attempts I called customer service and waited and waited and waited on-hold. In the meantime, my email inquiry about setting up the account went unanswered from March 11 to March 19. In the meanwhile, I received automated calls from Ally about why I rated them poorly in their online survey. Mind you - just robocalls and an automated message, no real person called. Finally in disgust with their unconcern for a long time customer, I have started to move my money elsewhere. Just sign me - Vern

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    Reviewed March 19, 2019

    What can I say about Ally... They do everything on their own timeline, "Want a lien release?", "oh that will take months", "Oh you have to do it within 15 days" "sorry we don't care". Incompetent, hasn't done anything in a timely manner or actually correctly, minus taking my money that is.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed March 19, 2019

    They are the most incompetent bunch ever, 3-5 days processing time will turn to 7-10 days, then they will act like they have no idea what you are talking about... What transaction? They keep their call center in the Philippines and that's another story altogether. The people over there cannot comprehend basic requests and just give you rehearsed lines. When you ask for the back office, you will be told they do not accept calls. It's a SHAM operation these guys are running... Stay clear.

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    Customer Service

    Reviewed March 18, 2019

    I am nearing the end of my 3 year Jeep Grand Cherokee lease. I called them to set up an inspection date and time. They told me that they don't do it that way any longer. I am supposed to take it to the dealer, drop it off, the dealer sends in an odometer statement verifying the miles, then Ally send out an inspector, and then if there is any excess wear and tear they send me an invoice. At this point it's now my word against theirs. This should be illegal. I did send a complaint form to the Minnesota Attorney generals office as well! This is ridiculous. And, when you call their customer service department, you cannot understand ANYTHING that they say. I must have asked them to repeat EVERYTHING that they said 2-3 times before I could understand them! I am glad that I am going to be done with them soon. Never Again!!!

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    Customer ServiceContract & Terms

    Reviewed March 15, 2019

    I am on my second loan with Ally and while the first was rather unremarkable, this second is frustrating enough that I am doing everything in my power to get the vehicle paid off or refinanced so that I do not have to work with Ally again. Below are some of my concerns: Most often when I have required the assistance of customer support, I have been placed on the phone with an individual who can barely speak English. The conversation occurs with plenty of instances of asking for repetition or many apologies from the other end of the line. In the instance that I have been even one day over the due date on my car payment, I receive a harassing call wanting to set up a payment plan to ensure that they are getting their money.

    Today, my bank had a glitch which caused three car payments go out at once. I managed to cancel one of the car payments but the other two were pulled, $1850 out of my check. I remained calm, called my bank, called the bill pay company they contract through, and ended up having to call Ally. This is not the first time this has occurred, however the last time Ally took three payments from my account. When I asked for the money to be refunded to my account they obliged. Today the gentleman lied to me and stated that they can not do direct refunds, but instead have to provide refunds in the form of a check which will not be here for another 10 days. Over the 8 years I have had loans through Ally, I have become increasingly displeased. I will never obtain a car loan through their company again and I strongly discourage others from considering them either.

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    Customer Service

    Reviewed March 15, 2019

    You bank with Ally at your own peril. They will screw you over when you need them most. Just don't do it!!! They are such a huge disappointment is amazing how a bank flops so bad. Just don't do it. Anywhere than Ally. We sent a check to clear our auto debt last week only to be told today they received it but haven't processed it. Why is this a big deal? We need that check to have cleared by today to be able to close on our new home on Wednesday. Because of this incompetent and useless bank we may not be able to close and we are going to be hit with a fine. To make matters worse when I called, I was told their verification system isn't working right now so they will have to call me back in a couple of days to verify my account then we can proceed. No! I do not recommend this bank because I am going to close even my savings accounts with them.

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    Punctuality & Speed

    Reviewed March 14, 2019

    Terrible experience. They are out to screw you. Like they love to screw me. Late by a few days in during a slow time at work. They reported way more late payments than true. Took 6 months to fight. Go to anyone but Ally.

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    Customer Service

    Reviewed March 14, 2019

    Ally charges $4.95 trading fees, the same as Schwab and Fidelity, but Ally's trading platform never works. Ally's customer service is the worst. Ally frequently does not even respond to questions. There is NO reason to invest with Ally.

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    Customer Service

    Reviewed March 7, 2019

    I was pushed into using this company by the car dealership who said that if I took the loan and made payments on time for 8 months to a year I could refinance for a lower interest rate. I called Ally to refinance after that amount of time and was told they do not refinance, I was stuck with original rates. I have been making payments for 2 years. I fell behind recently due to job loss. I talked to Ally and they said if I paid the equivalent of 2 payments that they would not repossess. We arranged a payment date. I called back to make the payment and they refused to take it. They now want the entire delinquent amount including every fee they could think of to add to it and they are trying to repossess.

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    Reviewed March 4, 2019

    I had a car loAn with Ally Bank. In March 2018 my car was totaled. Fortunately I had Gap insurance. In August I received a Bill of approximately $1200. I talked to a man. I forgot to get his name. He gave me a settlement price of about $90 cheaper if I paid by September 17. Which I did. In January I receive a threatening Bill of $96 saying they would report me to the credit bureau. A month later I receive a letter. Now my Bill is about $160. WHY? Also saying they will repossess my car. That is funny since the car was totaled. It just shows they didn't look into it. It is very frustrating. We have another car loan with Ally. I wish I could refinance with someone else. I don't feel I owe them a dime.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed Feb. 28, 2019

    Last July, I got online as I have for the last 5 years and made my auto payment. For some reason, it did not show up as paid. I never got an email, phone call or any other kind of notice saying it was late or unpaid. In August, I got online on my regular date to make my August payment and made it. No where did it say I had a late or missing payment from July. Then in September I received a notice from Credit Karma that Ally was showing I had missed a payment in July. I immediately got online and made both my July payment and September payment, not understanding why my July payment was missing. I called immediately and got absolutely no help from their Chinese or otherwise based staff that are always impossible to communicate with due to the language barriers.

    Ally Bank is now showing that I missed 2 payments, but for August and September, and it is absolutely clear I am missing NONE looking at THEIR payments made on their website. I have called and called and nothing is ever done to take this off my credit reports. I am trying to obtain a new mortgage and this is harming my credit score significantly, yet nothing is ever done. I do not recommend this bank!

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    Customer ServiceCoverageStaff

    Reviewed Feb. 25, 2019

    I called customer service to explain that I was unsure of having enough balance to cover a check which has not cleared yet. I also had a auto pay which had not cleared, the person told me I could put a stop on it (for 15.00) and release it 2 days later (when I knew I had a large auto deposit going in). I felt confident, that for 15.00 I had taken care of the issue. The next day, the payment went through anyways... Now I am chasing this check which has not cleared yet, but most likely will with insufficient funds.

    So after waiting on the phone this A.M for 37 minutes total, after waiting for a "supervisor", I am informed that the 15.00 will be waived, they can do nothing about the stop payment (?). The customer service person should have told me that rarely do stop payments actually work, and that he put the stop on the wrong account name anyway. (Which amazes me considering I read the exact name to him from my previous statement) The "supervisor" commented that he should be re-trained. So, my lesson learned, these guys, do not have their act together, and I will never recommend ALLY to anyone!!!

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    Customer ServiceContract & TermsStaff

    Reviewed Feb. 22, 2019

    ALLY WILL NOT HONOR "CASH BONUS" though stipulations were followed. In October 2018, Ally offered a 1% cash bonus for a new or existing eligible Ally Bank account. The stipulations were advertised as follows: 1. Sign up by 10/21/18, 2. Fund by 10/31/18, 3. Maintain Funds until 1/15/19, and 4. Get Cash Bonus by 2/15/19. I have written verification from Ally demonstrating that all these stipulations were followed. Additionally, Ally mandated that, 1. The email address used to enroll: ** must match the email address on the Ally Bank account you deposit funds into, 2. Move money to a new or existing eligible Ally Bank account (Online Savings, Money Market, Interest Checking or CD account) by 10/31/2018, 3. Cash bonus applies to new external funds added to an eligible Ally Bank account, not your total balance, and 4. Minimum cash bonus is $10 ($1,000 deposit) maximum is $1,000 ($100,000 deposit).

    No other stipulations were detailed in the invitation email, nor was there a link to any other fine print beyond these requirements included in that invitation email. My NEW online savings account was opened on or before 10/19/18 using email **, funds were added to that account from an EXTERNAL account in the amount of $135,000 on 10/30/18, funds remained in that account, unchanged, until 2/22/19. Ally has not and will not pay the full 1% promised citing that "I was a former customer as I once held an Ally CD."

    The email invitation and the requirements made NO Mention of Ally's consideration of closed Ally accounts. In fact, at the time of the funding of the new account, I could not be considered an Ally customer as I had no open account with any balance. Ally representatives, by phone, could not explain how I failed to meet the qualifications as described in the 10/18 email invitation to participate in this promotion. Ally simply refuses to honor the agreement, though the customer clearly followed ALL requirements described AT THE TIME OF ENROLLMENT IN THIS PROGRAM.

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    Customer ServiceStaff

    Reviewed Feb. 21, 2019

    I'll try and explain this in very simple terms (like I had to do with their customer service because nobody understands what you're saying and just answers with things that have nothing to do with your original question?). Our auto payments are set up for the 11th of every month. We paid January 11th, all was well. Then, they pulled money AGAIN on January 18th - an UNAUTHORIZED payment - so this obviously put us into the negative because we were not expecting this money to be pulled again until February 11th (our next auto pay date). Instead of just reversing the payment, they "sent us a check" that should have been here in "7-10 days"... What's the point?? Obviously our account was negative because you pulled money when you shouldn't have and so we need money now??

    Totally messed up our January and February bills and guess what... Today is 2/21 and we have STILL NOT RECEIVED THE CHECK. So we had to pull money out of our ** to make the February 11th payment!! It's so ridiculous and I have recorded every conversation with every person and gotten their Employee ID# (I would recommend) because they all give different answers and just seem to be SO shady. I will be taking this a step further (legally) if it does not get resolved. Awful company, very unclear and disorganized. I will be refinancing soon.

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    Customer ServicePrice

    Reviewed Feb. 13, 2019

    I can't recommend a bank that puts you on hold for 20 minutes- or when they make the mistake of initiating a transfer from my other bank for $300,000 when I entered $3000. Very disappointed because I wanted this to work. I guess this is how they pay high interest rates- no service when you need it.

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    Reviewed Feb. 8, 2019

    Stay as far away as you can from this company! I paid my car loan in full 21 days ago... with a CASHIER'S CHECK from a reputable National Bank!!! They still have not refunded me my overage. It does not take two weeks for a cashier's check to clear. No one speaks English there, and if they do you can barely understand them. If you value your own money, don't count on getting it back from them! Stay away from this fraud of a company!!!

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    Reviewed Feb. 7, 2019

    Can hardly understand anyone speaking that works there. Have not FedEx title so I can register car on PA. PA requires that the title come from financing agency and not the owner of vehicle. PA will only accept title from owner if car is paid off. Seems like little tasks are insurmountable in dealing with this company.

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    PriceOnline & App

    Reviewed Jan. 31, 2019

    Terrific company to work with for both savings and stock trading. Great APY, fantastic app, reliable customer service. Their APY started competitive and just keeps getting better. Their cost per trade and sign up promotions were great, but their app is what clinches the deal. Forward looking company - recommended.

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    Customer ServiceContract & TermsStaff

    Reviewed Jan. 28, 2019

    Made the mistake of choosing Ally Invest to trade securities with. After trading with them for few months, I made another routine deposit from my bank, and waited until the funds cleared for trading. I made a trade and the next day I open my account and noticed about 50 shares of another security was missing. I called Ally and they said they sold the 50 shares on my behalf to cover the trade from the day before. Their explanation was that the funds never cleared despite my having written proof that the funds cleared. They also never sent out a notification email that I had a deposit issue and would need to settle it with another source of funds, which I would gladly do and which any ethical trading platform does before they go ahead and offload shares of another company without my knowledge.

    These thieves had the nerve to also charge me commission on the trade that THEY performed without my authority and knowledge. And then when I went to transfer my securities from Ally to another investment platform, they charged me for this. They are violating their own terms and conditions and when you call their customer service line to figure things out, they are rude and condescending. Now I'm stuck paying taxes on my short term investment, their commission, and their transfer fees. Had I known they were unethical thieves I would have stayed far away. Heed my mistake, never do business with these criminals.

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    Customer Service

    Reviewed Jan. 28, 2019

    I recently opened an account with Ally and transferred money in, after waiting the three business days to transfer the money in I attempted to place my first order where I received an error message telling me to call customer service. After calling customer service I was told I was unable to place the order I wanted due to the value of the stock. I immediately requested that they withdraw my money or close my account, I was told that neither would be possible and that I would have to wait another six business days prior to getting my money back. After spending well over an hour speaking to "managers" about this I was told to cancel the funds coming from my bank account, unfortunately the funds had already been withdrawn which made this impossible. I am still fighting with them via chat and they are currently refusing to discuss anything with me.

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    Staff

    Reviewed Jan. 26, 2019

    I finance a car from here. Was a 2007 Nissan Altima. I had a wreck on the car. I wasn't at fault. My insurance paid portion of it and GAP Insurance paid the rest of it. The next two weeks I received another bill and it said I had to pay 284 something dollars. I told them GAP insurance paid off the rest of the car. The representative was being a ** saying it's going to collections since it's not paid.

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    Customer ServicePriceStaff

    Reviewed Jan. 22, 2019

    In short - this bank takes advantage of people with less than great credit scores, robs them of money with insane interest rates, worst customer service and do not care about their customers only the money they get from them. If I hadn't been a young naive 22 year old when offered this finance loan for my car, I would have NEVER even thought twice about using this company. They are out to ruin people who are in tough positions instead of reaching out to them for assistance in times of desperation.

    I cannot believe these loans with these insane high interest rates and hidden agendas are even legal. Biggest mistake of my life but please don't learn this lesson the hard way like I did and RUN as far as you can from ALLY. I wish I had thought of looking at these reviews beforehand because clearly everyone echoes my feelings in that this is the worst company I have ever been associated with. I will be paying the rest of my loan off tomorrow and leaving this company forever!

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    Staff

    Reviewed Jan. 15, 2019

    This has got to be the worst bank in history, I have $800k various CDs and then I tried to send funds to the Ally Invest and the Ally Bank lost $25k of the money... It's been weeks and they don't even seem apologetic. DON'T BE A FOOL - GO TO ANOTHER BANK!

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    Customer Service

    Reviewed Jan. 15, 2019

    Never sent title when paid off. When I called for it they said they sent it but could not confirm where or when. Gave wrong info on how to obtain from title office. Title office said they never received it but they commonly have problems with Ally. Horrible support and negligent with important documents.

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    Reviewed Jan. 9, 2019

    I contacted Ally Financial about being behind on payments as my wife just had kidney surgery and foot amputation as was told to make 1 payment in the morning and I could defer other payments so I said ok. Have conversation recorded between myself and Ally rep Resee. And that night they came and repo vehicle before I got chance to make payment. And now being told they will not honor deal made that they want $3000.00. This is no way to treat customers as no one can control if people fall ill to medical reasons.

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    Reviewed Jan. 8, 2019

    I paid cash to pay my car off and have it sold and can not get my lien release. Will never use them again. Still waiting. If you pay money out of your checking account it’s not considered cash. Even though your loan is paid in full and the money is out of your account. They will not give you a lien release. When they do fax it it’s 48 hrs to fax it. Never again.

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    Price

    Reviewed Jan. 4, 2019

    I was paying more on loan till I realized they were putting it towards my next payment, not on principal. When I realized that my statement said my payment was .94, so I paid that then was hit with over 1200.00 interest. We are so upside down on loan because we have paid over 12,000.00 in interest for a little over two years and only 8000,00 on loan. Find someone else, they just rip you off.

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    Price

    Reviewed Jan. 4, 2019

    I was underwater in my last car and had no many issues with it. I had no choice but to trade it in for a base model Durango. Because I was so underwater and had to add an extended warranty, I had no choice but to sign a new car loan with a high interest rate. I’ve owned several cars and was always able to refinance for a lower rate. After a year of on time payments I contacted Ally to refinance, only to be told that I am locked in to the rate which was agreed upon when I originally signed. I will be wasting thousands and thousands of dollars on an 8.5% interest rate. I find it interesting that Ally has a new marketing ploy, telling consumers they should use Ally because other banks charge high interest rates and take your money.

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    Reviewed Jan. 3, 2019

    Terrible experience with the lease return process of my Jeep Grand Cherokee. I’ve leased two Grand Cherokees. And was prepared to lease a third - but Ally botched the deal/timing by dragging their feet. I ended up leasing an Acura MDX with Honda Finance, and it’s been 100% better.

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    Customer ServiceSales & MarketingPricePunctuality & SpeedStaff

    Reviewed Dec. 30, 2018

    Updated on 10/09/2020: A little less than two years ago I had issues with Ally. My car was repossessed due to them taking money from my bank account and not putting it towards my car. They caused me to rack up all kinds of late fees. I had my account on autopay and for a while I didn’t have any issues. Until I got a new bank account. Now they take my payment and on their side they say it was returned. The payment was never returned to my bank account. I try to call and can never get someone who will give me a straight answer. All I get is “we’ll notate the account” and they never do.

    They spoof local numbers from where I live, and half the time the calls show up as spam risk. I never get a number that I can call back or even a voicemail at that. This business is super super shady. They have destroyed my credit, as well as my dad's since he co-signed for me. Thanks to that, I can’t refinance my car or even have another financial institution buy out my loan. I highly recommend that if a dealer tells you the care is gonna be financed through Ally, to just walk away. It’s not worth it.

    Original Review: I leased my car through Ally in 2016. When I first started making payments, they enrolled me in auto pay WITHOUT me knowing and would take my car payment out of my bank account TWICE and never put it towards my car payment, causing me to fall behind and racking up nasty overdraft fees through 5/3 (who I bank through). It took weeks to get them to fix this mistake. I faxed my bank statements to them, per their request and called them EVERY SINGLE DAY until they fixed this. It took weeks and countless hours of being put on hold and being told it was 5/3's fault and that I should have called them. Autopay was never set up with 5/3, so how is that their fault?

    Anyways they said they would waive my late fees, lo and behold they never did. I ended up owing over $800 in late fees, that should have been waived. Then came the phone calls. Every day, every twenty minutes. They would call me and my dad. Next thing I know, they called my grandfather (mom's dad) who had absolutely NOTHING to do with the car. I have no idea how they even got his phone number. They started harassing him as well as me and my dad. The second week of December, they came to repossess my car due to nonpayment of late fees and being a month behind in payments. I called to see how much I needed to pay to get the car back. They were unable to tell me, so I called the redemption department every day until it was three days after the car being picked up.

    Finally, they told me what I needed to pay to be brought back up to current. The only thing they didn't mention, was they had already sent my car to auction. They sent it two days after it was picked up to sell it. So I call after making the payment to have the release paperwork sent to the auction lot but turns out the redemption department had changed their number, and hadn't updated it anywhere. I spent almost an hour on the phone to get the paperwork sent, thankfully they did just that, after telling them 10+ times that I needed the paperwork to be sent to the auction lot since they had received my payment.

    This is my first car that I have bought myself and made payments for and they have made my life a living hell. I will never finance or bank through them again, and I tell everyone I know to stay away from them. Their customer service is garbage, and they will never give you a straight answer to your question, always a runaround. Also I should add, they would call me from a blocked number and every voicemail I received from every number they called from was just static. They are awful, and I wish my dad and I had done our research when we got the car. I would have found a different dealership that didn't finance through Ally.

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    Reviewed Dec. 28, 2018

    Leased a Jeep through Ally bank. I cannot get the payoff amount from them. They say to contact the dealer. The dealer says to contact Ally. It is one big runaround. Plus they don't pre inspect your car for you. I would NEVER deal with this bank again.

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    CoverageStaff

    Reviewed Dec. 28, 2018

    Paid 2600.00 for a car warranty that doesn't cover anything. I have had to replace parts that should not have gone bad in a car that is only 3 years old. They are not helpful or useful. Waste of money. Horrible company. Doesn't stand behind its product. Useless.

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    Customer ServiceContract & TermsPunctuality & Speed

    Reviewed Dec. 22, 2018

    After paying on time for two years, I too had a life-threatening heart condition that totally stopped life as I knew it. We kept in contact with Ally on a daily basis. They call you at least 20 times a day 8am to 9pm like clockwork. I made an arranged payment on December 4th, and the next payment was to be made before Christmas day the 25th. I made a quick trip to the local grocery store on today December 20th, and upon return my truck was gone. Ally lied to me and repossessed my truck before the next payment had to be made.

    I have never been harassed over the phone by any company like Ally in my 55 years on this planet. I will NEVER DO BUSINESS WITH THIS COMPANY AGAIN! If Ally does not do anything to help me resolve this matter and, get my truck back quickly, this will be the first of many blogs ripping them and trying to divert potential customers from getting involved with Ally Financial. If your finance person offers Ally Financial as a funding source for your new auto, do not sign the contract, use a different lender! Read the thousands of complaints on Ally. Please do not get in the situation that they have put me in because of a life-threatening illness. I WILL NEVER DEAL WITH THEM AGAIN!

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    Customer ServiceCoverageStaff

    Reviewed Dec. 22, 2018

    I had Ally for a gap coverage insurance policy. Not only did it take three and a half months to process, but they refused to cover nearly $1,000 of the balance and incorrectly claimed that this was offset by a tire and wheel package that I had purchased from the dealership. I asked to speak to someone in management but she was just as clueless and unhelpful as the rep. Go elsewhere and don’t waste your time. Customer service is non-existent and the whole process is a bigger headache than it’s worth.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed Dec. 14, 2018

    Thank goodness I became aware of the mountain of customer complaints about Ally Bank, so I can at least be prepared for more of their non-sense as I wind down the auto lease I now have with Ally Bank, after just experiencing their awful customer service! I have been an excellent customer having made every payment timely and always about 2 weeks early, with only two more payments remaining, but even so, Ally customer service reps are no help at all with my questions about end of lease options and actually, Ally service reps have been downright arrogant when I ask any questions at all about my lease-end-options and refuse to give me any information about my lease-end options until the lease “matures” or in other words, they won’t discuss my lease-end options (Buy the Vehicle, Extend the Lease or just return the vehicle) until my final payment has been received.

    What is hilarious, is that Ally Bank just sent me a notice to contact them with any questions I may have about my lease end options under the guise of helping me plan for the end of my lease, so I followed their instructions by calling them. Believe me, I have excellent credit and have never been late on any payments, but Ally Bank even abuses their best customers, so just imagine trying to deal with Ally Bank if you have any problems as so many people do and as the mountain of other complaints posted on-line about Ally Bank serve as evidence.

    It’s hard to imagine why Ally Bank treats their existing customers so poorly while also expecting to attract new business at the same time, much less any repeat business -lol. Fortunately, at least I now know what to expect from Ally Bank, which is pure resistance, so my plans will certainly not include any lease extension, because the sooner I escape any relationship at all with Ally Bank, the happier I will be.

    Without any help from Ally Bank at all, I therefore have made my own lease termination plans, which will include returning the vehicle at lease-end, but also paying for an independent inspection of the vehicle too since I know from the other complaints I’ve read, that I can’t trust Ally Bank with anything and then in the worst case scenario if any disputes arise after I fulfill my obligations, I’ll just be prepared to seek a resolution through small claims court if need be, since I’ve at least learned that resolving anything with Ally Bank is like trying to break through a brick wall. On a final note, those poor marketing folks at Ally Bank who are trying to attract new business, must have no idea that their own customer service department is their own worst enemy!

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    Customer ServiceContract & TermsStaff

    Reviewed Dec. 13, 2018

    Leased my Maserati for 36 months which was financed by Ally Bank. Returned to dealership 1.5 months ahead as I have reached the mileage allocated. Two weeks passed, called and was told by Ally they had not received info from dealership. Two weeks later was told they have completed inspection by 3rd party and need to wait. Another week (now 5 weeks) when I called to ask about the $800 security deposit, was told I had to wait “until car is auctioned off”. That is the alarm bell and fury went off.

    There is no clause in the lease agreement on this condition, was never told at signing. Customer service person and manager cannot provide a counterpoint except repeating it is their policy. What if it takes weeks or months to sell the car, do the customer need to wait till then? The lease ended when I returned the car and was determined no wear & tear after the inspection. FYI — Mercedes, Acura, BMW do not require security deposit. Bottomline, do not take up a lease with Ally Bank!! As of this writing, I am still waiting for news of my deposit and after 4 times on the phone with Ally.

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    Customer ServiceCoverageStaff

    Reviewed Dec. 7, 2018

    So I have been banking with Ally since I was 17! I am now 21 years old. I have never had any issues with Ally until 2018. 2018 was the year of lies for Ally bank! So the first incident was someone hacked into my bank account and changed my login details. When dealing with this very serious issue with Ally they told me and I quote, "Because you have a similar username as other users when someone changed their password it reflected in your account." Tell me consumers, what bank allows multiple users to have the same username? Really! So obviously if this was the case Ally wasn't doing their due diligence. I told them that it was a hack per their own email correspondence to which they said that could not happen. REALLY! OKAY! LIARS! It came across as they have no idea what happened and are lying to cover their tracks.

    Then! The two most recent incidents were both this week. The first one was they INCORRECTLY processed my bill I scheduled and it caused me to go into overdraft and owe their bill pay provider, Fiserv, money even though I have my account set up to decline anything that goes against my available balance. Per Reg E. After going back and forth with Ally, Fiserv, and the bill agency, we squashed the issue. Or so I thought. They then charged me a fee for their mistake which I fought and they would not refund the fee, but they would not even apologize to me.

    So I tried to deposit money into my account via mobile deposit and they sent it back to me saying it wasn't properly endorsed to fix the endorsement and then resubmit the deposit. So I did. I IMMEDIATELY GOT A NOTICE FROM THEIR COMPLIANCE/BSA TEAM THAT I WAS SUSPECTED OF KITING AND WAS not allowed to deposit! Literally what! How am I to deposit into an online bank if I can't mobile deposit when you told me to fix my deposit and are now saying I am kiting.

    I work for a bank, I would never in a million years do something illegal related to banking especially since I've been in the industry for a while now and know how banking works and what regulations are what. If I was going to do something illegal I would make it worth it. DUH! Anyways, after going round and round with Ally and STILL NO APOLOGY from them I closed all three of my accounts that I've had for 4 years now. They have really dropped the ball this year and I urge anyone to beware of their lies and trickery.

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    Customer ServiceStaff

    Reviewed Dec. 4, 2018

    Updated on 12/05/18: After receiving the title release from Ally Bank after several phone calls I finally got satisfaction. When you call Ally you will get an overseas operator, tell that operator you want an American operator (Ally rep). After much confusion on their part I received by email a title release form plus I asked for a hard copy which was FedEx'd to me. I took the release to DMV and they said that now Ally had notified them of my payoff and released all interest in my vehicle. So if you are promised a vehicle title in the mail do not wait more than 10 days, call your DMV ask if your vehicle is released and if not call an Ally American operator and tell them you want the release form by email, hard copy and also notification to your DMV. Good luck all. Never again.

    Original Review: I paid my vehicle off 11/15/2018. Ally verbally told me on phone plus message on their website that I would be receiving my title after 10 to 15 days. On 12/3/2018 I called, spoke to American operator, said that they had sent release to Washington DMV so I called DMV and they told me that Ally was still the lien holder so I called back in short order and asked them why the person lied to me about this. So this person Susan said she was typing up a release form to email to me plus I told her I wanted a hard copy of this Notarized letter in which she said was to be FedExed at that time along with an email on Ally's website which she did. So I then email that letter which was in PDF to myself so I can save it on my own file. This release letter is supposed to show by tomorrow. I just called DMV again and they said to bring this hardcopy letter in which sounded a bit sketchy to them and after that I will update this... pretty sketchy to say the least.

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    PricePunctuality & Speed

    Reviewed Dec. 4, 2018

    First off, these are predatory loans, most at interest rates in excess of 20%. You will pay for your car twice, and be upside down on the vehicle the entire term. After 3 years my bank refinanced the loan and sent a check to Ally. After two weeks it was not posted to my account, so they stopped the check and sent a new one. Two weeks later, nothing posted. I called to find out what was going on. Was told they hold checks up to 10 business days while they determine if it's the correct payoff amount. The interest charges kept accruing during this period. Then they reported to credit bureau that I missed my payment that month, while they were sitting on the payoff check.

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    Customer ServiceContract & TermsStaff

    Reviewed Nov. 27, 2018

    My experience with Ally right now this very moment it is 6:39. Still want them hung up with them about 6:37. Very angry and very distraught. Bothered 2 facing when will I feel not so bothered? By the end of the night I can come soon. I was two months payments behind with Ally Finance. I was in August and September late coming month of September. I go to pay August in the middle of September so I came out to steal. So check comes I try to make that payment but I did not succeed successfully with that so September's was not met. So what's going into October? They're already sending me mail stating that I need to catch up. I wasn't trying to hide from them whatsoever. I was keeping contact with him very often. I do not want my car to get repossessed. I have made a payment arrangement and then follow through with that so they sent me out a nasty note stating that my car is due.

    Look for repossession at a certain date if I don't pay at least one payment by a certain date and time or get caught up all together. Like I said I paid my payment for the month of September and October and so at that point in time I got caught up by being without 2 months behind me and that I was only a month behind going into November. Not November yet so all I need to do they wanted to make a payment arrangement with me on the 20th of October. Okay I just follow through with that signed agreement. I did not sign it when you send it to me in the mail. Okay so I waited till the 3rd of November to pay both bills. Those payments which is October payment November. 480 insults I get caught up your nephew from there. No more I'm good to go. I was in the bank that day on the 3rd on Friday still going out of town so I can feel good when I drive out of town.

    My vehicle okay. They're Liars that's all I have to say. I made my payment Faithfully on the 3rd of November. Caught up going to start fresh December 6th all over again cynically realize that they say that they couldn't get ahold of me my phone is disconnected which is totally false. They're liars and talking in their own money and use it in their own way for the holidays for the whole family so don't kids to try to take some other people like me to the Edwards soon as I can help you out with him not for liars. They're sick. They're fraud. Virginity like you okay extremely was the one who I dealt with it to get to Ally Financial Group with you're going to be with me tomorrow.

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    Customer ServiceStaff

    Reviewed Nov. 26, 2018

    So first things first, when you have a vehicle financed with Ally Bank you will get phone calls. Obscene amounts of phone calls from random numbers. They will harass you multiple times a day until you set up your online account. During which you are forced to set online bill pay, which is auto pay. So the problem with this is if you ever decide to make a payment early or from a different account prior to the auto payment they will still collect the automatic payment. The customer service is horrible and sometimes impossible to get ahold of. You're lucky if you get someone who remotely speaks English and they are less than helpful.

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    Customer ServiceSales & MarketingPunctuality & SpeedStaff

    Reviewed Nov. 21, 2018

    IF I COULD GIVE 0 STARS I WOULD! This bank is deplorable. I opened an interest checking online and funded immediately during the application from my Chase savings account with $20,000.00. Everything went through fine, a few days later I can’t sign into online banking. So I call and they asked for a utility bill and my I.D. Reluctantly I email both and now my account has been closed due to “confirmed fraud”! HOW?!?! I have never even done anything on the account itself, never even received a debit card or a welcome letter as promised in the mail.

    Now that my account is closed due to “fraud”, which the woman named SHANNON, whom I might add was very disrespectful and rude even upon just answering the phone, wouldn’t even tell me why! They are a scam and they will not even reverse my money back to my account. A waste of time and money! I am hoping Chase can help with a dispute, thank god they are a reputable bank!

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    Customer ServiceStaff

    Reviewed Nov. 21, 2018

    Ally provided funding for my wife's original auto loan. She paid off the entire loan in 4 months and it was paid in full on October 2nd. One week later, the car was totaled in an accident and our insurance company agreed to immediately reimburse her for the full value of the car, but first they needed to obtain the title of ownership from us. Ally said they mailed the title to us on October 3rd. Now, it is November 21st and after almost 30 phone calls to Ally, we have still not received the title of ownership from them.

    We cannot get funds from our insurance company without the title. My wife cannot buy another car and obtain transportation until we get the funds. No title, no funds. Ally lies to us every time we speak with them. There is no benefit to them by not sending us the title. We are totally confused by their dishonest behavior and lack of ethics. At this point, they are hurting us financially and we will need to hire a lawyer in order to institute legal actions against them.

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    Reviewed Nov. 19, 2018

    We have been customers of Ally Bank for years. We have more than one account with them, all in good standing. Never bounced a check and never even needed overdraft protection. So we ask them one simple favor. To write a letter of reference. They have sent us bank statements, account balances, and other various papers that are not what we need. We have even copied and pasted a sample letter from the internet. But they can't seem to take the five minutes to type it out and hit "send". Our local bank sat right down, typed it out and handed it to us. We have been waiting for Ally to do this for 30 days now. Bigger is not always better. Stick with your hometown bank.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed Nov. 19, 2018

    I have 2 auto loans with this company! Always paid on time! My Husband and I decided to pay both accounts off in full. I sent the checks the 5th of November 2018, they received them the 12th. When I called I was told that the checks needed a second signature for them to apply them to the account. This was all fine and well, I offered to pay for them to overnight them back and I would have them signed and overnight them back to Ally. They were approved by Ally to be overnighted which I have voicemails and an email staying this. Ally said the checks would be sent out the 13th of November overnighted. ALLY never overnighted the checks. When I called I was transferred to multiple people telling me completely different things!

    One said the checks weren’t sent, one said they were sent regular mail, and another said to me, "This is all your fault!" I was completely at a loss for words! I was trying to rectify the situation and pay for the checks to be sent back to me for the second signature and ALLY LIED. Said they would be overnighted (at my expense) and they never sent them. I ended up voiding the checks because who knows where they are! And overnighting 2 new checks which will be to them tomorrow! These people lie, they threatened my credit because of their lies and their mistakes! I have never seen such bad customer service in my life! I would not recommend ANYONE use this bank for any of their needs!

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    Customer ServicePunctuality & SpeedStaff

    Reviewed Nov. 10, 2018

    Back in December 2016, I cosigned for my daughter to get a car. In August 2018, the car was totaled. Between that time and through October, payments were continued to be made. At the end of September, Ally changed the account to wanting to be paid in full but DID NOT contact the cosigner. In the meantime a payment was still made. At the end of October, the account was charged off and again, the cosigner was not contacted. On November 1st, one day after the charge off, I was finally contacted and told everything that was happening. Their excuse for not contacting me, was that my number was listed as a work number. But that just seems a little funny that they never contacted me until the day after it was charged off. When I talked to them, I was unaware it was charged off and offered to pay off the entire loan but I had to move money around (Nov 6th).

    In the couple days it took for me to move the money, I was alerted to a change on my credit report that they had charged off the account. So the account went from paid on time to immediately charged off in 30 days. I called them back and again offered to pay the loan off in full but only if they take the charge off, off my report. They said they couldn't do that. I talked to a supervisor and he gave me some excuse about being fined if they did something like that. Which I know is completely false. Do not do business with these people as they will not contact you if something is wrong and will give you false information.

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    Customer ServicePunctuality & SpeedStaff

    Reviewed Nov. 8, 2018

    After 4 years of paying on both my accounts with this company in a timely matter they decided to without permission take 2 extra payments out of my account! I never authorized it, I was not behind not late with my payments! I called them to complain. "I have other bills. Put my money back." They told me pretty much it was my fault, "Oh well call your bank," and agreed with me I was screwed! The operator nor their supervisor cared or was helpful. They were coy and arrogant. They told me to call my bank. Well I did and I placed fraudulent charges. It’s against the law to do that! I will tell everyone I meet and every review I see I will write about this company!

    They didn’t care that their mistake took from my other bills, my 4 kids, my groceries, my electric bill, my house payment, the overdrafts this caused! I pay all my bills for the month all at once the same day! They basically said, "Oh well you're screwed!" In fact that's what the operator did say when I said, "So basically I’m screwed," he said, "Yes!" Then told me his supervisor isn’t gonna do crap for me and he was right! As soon as I can get away from this company I am gone. Believe me and I’m working on it stat! I’m not the only one either after writing 10 reviews. So far this company has the worst rating! Research don’t just go by me but as I write them I see they do this exact same thing to a lot of people!

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    Reviewed Nov. 7, 2018

    Ally Bank wants to charge me $10.00 for a Transaction Register (a record of deposits and items) booklet. They claim check order is "free" and that include one transaction register and a cover. I stated them I do not need checks because I have plenty: I just need the Transaction Register. They are thieves!!!

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    Ally Bank Company Information

    Company Name:
    Ally Bank
    Website:
    www.ally.com