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As I have seen there are a lot of complaints about M&T Bank. I'm also complaining their phone wait period is too long. They get mad at the customer. Make up stories that make little sense. I know it not me because no other financial institution is doing that over the phone. I gave it a two stars because when they screwed up or gave me a hard time one guy put our payments back up to date for us.


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Went to the bank with a personal check that someone gave me. They purchased a snowmobile from me. Went to cash it. They wouldn't let me cash it at the window so I went inside. They wanted 2% percent of the check to cash it there. Are you kidding me? This is one of the worst Banks I've ever dealt with.


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We wanted to re-fi our home mortgage to save a few dollars. We always paid on time and even ahead of time. I started in mid-August, was told it would take 30 days to complete. Still no closure the week of Christmas. We had at least 3 closing dates only to be told everything was ready yet. I got a call that we would close Dec. 27, 2016. Two days before closing, I was told by M&T Bank I needed a check for over two thousand dollars for closing costs. I was told from day ONE that all costs would be added to our loan. So since I did not have the two thousand plus dollars they say I canceled the loan and therefore they keep my $275.00 fee to start the loan.


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I went online to open account on July 3rd, everything seemed smooth at first. Issued a account number for checking account and savings account. I then tried log in online and for some reason, the site wouldn't let me log in. So I call the 800 number for customer service who informs me, "Must be a glitch in system. I can't see any accounts in your name" and I need to go to a local branch on the 5th.


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Should be 0 stars but not an option. After a 12 year breach of contract lawsuit, we agreed to their terms in a court overseen Settlement Agreement. Again the terms were offered by this Bank with their representative present in the hearing. It is now 7 months later and they have failed miserably to live up to their offer. Think twice before entering into an agreement with them.


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First Citizen Bank is probably the Worst bank for anything from Personal Banking to Business. This is going to be a Long and pretty In-Depth review: Originally I was with One West Bank, a pretty good bank for years, until it was acquired by First CitizenBank in 2022. Thinking I might still get the same level of banking service and customer support I stayed. I can tell you this that laid off most of One West Bank employees! So I stayed and had no issues and slowly I started to face issues:


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I have had nothing but issues with this bank. The first issue was they didn't charge me the agreed upon interest rate. I had to make them aware they had been charging me the wrong rate for a few months. They corrected but it happened again. I lost money because they were overcharging me when my loan was at its largest. They never reimbursed me for that. Fast forward to last year, I had to change bank accounts due to fraud, I connected with loan manager and filed new paperwork to pull out of new bank account. They kept trying to pull from old one, racking up charges.  


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I have tried to call in and make a payment for a car loan and set up auto draft but the company is making this process so hard. They tell me they need to call a landline to get a code, but then tell me they can’t do that. They say they need to speak to the primary on the business account, and I say he is an attorney and I am the account manager. I will try to call him. They then say he has to call in. I then ask does he have to call from the identical line from the office phone and she tells me I can’t tell you that. I try and remind her that he is an attorney and will need to call from cellphone, so that matters. She then tells me she can’t tell me that. It has never been so hard to make and set up draft for a payment in my life. I will not be using this bank again. I am going to look into refinancing.


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The main branch on Main Street in High Point, NC has the worst customer service that I have experienced in any bank. Very rarely do they even say hello or thank you when going through the drive-through. Some don't even say anything even when I say hello. On an average, it takes about 10 minutes to do a simple deposit. Went in today to make a deposit and the teller abruptly said she was waiting on another customer and I would have to wait. I made the comment about "what else is new" and she did not like the comment and proceeded to return my deposit and was told to come back another day. I went inside to get another teller and to speak with the manager.  


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We opened a Business Account five years ago. When Scott ** became Leesburg Branch Manager the service was AWFUL! The old staff, who were wonderful left & new people replaced them who were lazy, careless & one attempted to cause us to lose money from our business account! CRAZY & CORRUPT? The old saying, "Fish rot from the head down." They need to REPLACE SCOTT ** & services would probably be adequate again. We moved to Bank of Charles Town whom I cannot recommend higher for business, or personal for that matter!!! Bank of Charles Town cannot help enough & have the nicest staff! We love them!


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Can't get debit or credit card alerts. Since they do so many updates constantly the alerts get turned off and you can't get them turned back on. Example, your payment due reminder, if card was used at gas station or if cards were used. Now I get no alerts at all. Have called several times. The customer service rep first stated there was no problem but yet when you call you get a message that the system is having problems getting you logged in. She stated she would have someone call which she did and this customer service person actually stated it was my browser which it wasn't. I tried on my Chromebook and my their mobile app neither works. So she went in and cut the alerts on on both cards but they still are not on. I have messaged them and no fix yet. Time to change banks. Wouldn't advise anyone to put your money in their bank.


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I opened an account here and switched my direct deposits and auto drafts over to it. My direct deposits would hit every Friday but would not post to my account until late Monday...so they are constantly charging me overdraft fees for transactions that hit before they decide to make my money available... ridiculous, I'm switching back to a bank that can actually handle transactions in a timely fashion. The point of direct deposit is to be able to use your money ON payday.


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Absolutely terrible. My wife wanted to move to another bank and she chose First Citizens. We opened a joint checking, savings, personal checking (for my business), I got a FC credit card and rolled our HELOC all into one nice online interface. I set up auto payments for my CC, autodraft from our joint account the full balance every Monday. I bought some personal items I wanted to pay for out of my own personal account instead of the Joint, so I manually paid the full balance out of my personal funds. Their transaction process is so slow and archaic that it took my payment and then withdrew the full amount AGAIN from our joint account. Branch manager told me that "the autopay is going to process no matter what." So I had overpaid $1,364.00. It took me a MONTH to get credit back into my joint account. Absolutely inexcusable.


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I opened a checking account with First Citizens Bank. It lasted two days. When I was unable to login, I found out to my horror that First Citizens Bank closed my account without notifying me. Not only that, they forced me to pay $103.26 to do that. I had to pay for checks I couldn't use, and the funds were not available because the account was closed without my consent. I will never trust this bank again.


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They caught someone trying to charge $7000 and sent me a text. I never used their debit card once. I happened to log in to my account and a charge to a charity in FL as well as a charge to a Flower shop were allowed. Apparently, this happens a lot to this bank. The charity refunded my money first, so First Citizens got off easy there. Their money is insured, which they don't make well known. The police told me about their money being insured. I contacted the FTC, CFPB, police, etc., because no one in fraud seemed to be empathetic or bright. 


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After 4.5 years as a customer, I received a new $15 fee for online banking. The only reason I am a First Citizens customer was for Free Checking. Customer Service said I could go to a branch and have them switch my accounts to a different online banking system with very little difference with no fee. Could they make it more difficult. AVOID THIS BANK. Worst in class technology and branches closed on Saturdays. Convenience is clearly not a consideration for them. They are so bad, I get my SBA loans through other institutions and just use their checking in case I need a local branch. If they want to nickel & dime small businesses, I'll take multiple accounts and tens of thousands of dollars to a new bank. First Citizens is NOT SMALL BUSINESS FRIENDLY.


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I can't get any support over the phone and continue to be sent to a local office to receive help. Once I drive to the local office, I see a sign posted on the door stating the office is closed due to COVID. I then go back through the drive-thru to talk with someone who gives me the name of the branch GM who can't seem to figure out how to help me either. He is very nice and continues to say he is "pushing buttons" and the back office will fix the issue one of these days. Well, the issue doesn't get fixed so I go on-line and am able to create a Bank of America account and all my issues are addressed and solved within 12 days. 


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First Citizens Bank purchased the bank that I did business with over a year ago. Since that time, they’ve continued to send monthly statements @ $5 each. I call each month asking them to stop. I’ve tried to close the account-they said my signature didn’t match. My balance has gone to zero, and they had the nerve to charge an OVERDRAFT FEE!!! Once they charged the overdraft fee, they closed my account! (Which is fine because I’ve wanted to close it anyway.) But I shouldn’t have to pay $35 for this. THEY dwindled my account down to $0 and have the nerve to charge me!! Customer service is unhelpful. They talk you in circles and in the end, rob you of your money through a $5 monthly statement fee that they make impossible to cancel.


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I have been a First Citizens Bank customer for 9 years. I have a savings, a checking and credit card with them. I needed to open an Estate Account for an inheritance. I checked with them to make sure I had all the proper documents. Went to the bank when I received the check and presented my documents. Their legal department balked because the Letter of Authority from the court was not original. Strange because I had the check in hand. Nothing illegal happening here. I went to First Bank of SC with the same documents that same day and opened the Estate Account there in 20 minutes. This is the 2nd time I have been disappointed by FCB's legal department. The other time was for a simple Notarized Signature that they would not do because it was a property sale. Went to the UPS Store and got it. I don't feel like they really want to assist their customers. Apparently, they don't need my business.


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This is absolutely the worst bank ever! My bank account was compromised and I called several times and even went so far as to file complaints with the BBB (they never responded so the BBB just closes your case). Someone was making large payments on bills from my account and FC called me a liar and said, "Why would someone pay your bills?" Gee, I don't know? I explained over and over to them it wasn't me and now they screwed up my credit so bad it'll take years to recover. The branch in Brookfield is pitiful and the bank manager doesn't call you back, she just goes on vacation and then calls you back 2 weeks later. I never had an issue with Guaranty Bank and they were friendly. I also reported to the CFPB but, they didn't do anything either. I can't believe they allow this bank to exist.


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As a retired Realtor, don't ever go to a bank branch manager for any credit accounts. They are amateurs. I was produced with HUD statement with three errors on it. Most people would have never caught the errors.


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I'm constantly being hit with over draft fee. I always check the available amount I have before using my card but sometimes they don't add a charge til days later I guess. I went over by 85 cents and deposited money into my acct few hrs later. 5 days after that, they hit me with over draft. A few times I was charged over draft and I added up all the charges and one couple occasions I was not over. When I sent a auto draft out and I did not get the money in the bank in time I was charged insignificant funds fee and I understand that. I did not get the money in the acct in time, that was completely my fault. But when I only go over 85 cents and only because it said I had money in my acct and I deposit my check same day to charge me over $30 is ridiculous.


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I've been working with First Citizens since the first week of December, 2019. I submitted everything they requested within 1 business day of request. I got all inspections I Was told to get done. My closing was scheduled for Friday, 1/17. On Monday, 1/14, 4 days before closing, First Citizens requested additional paperwork. I submitted it.


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I've been banking with FC for over 20 years. Since I've been banking online I've been hit with numerous fees. I called to complain and out of 5 fees I was reimbursed 3. The other 2 should have been reimbursed but I got 3 back it felt like a small victory. I had one fee reimbursed and 2 days later they hit me again for no reason. I figure it was to get the reimbursed one back. Every time I complain it's always my fault. They also hit me each month with atm fees for using their atms. When I complained the atm fees stopped. This is a very bad bank to bank with. They will hit you with needless fees and there is nothing you can do about it. Bunch of crooks!!!!


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So, First Citizens is literally the worst bank. Normally, if the bank allows a charge to go through and it results in a negative balance you will not be charged an overdraft fee until midnight. Not the case here. This bank will let the charge go through, allow you to straighten out the account before midnight and then charge you TWO overdraft fees 3 days later. 


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First Citizens Bank purchased the bank that I did business with. The Result: They shut down my Debit Card while I was traveling. Apparently they do not have customers that travel more than 30 days at a time. It’s MY MONEY. But with the purchase I had to follow their rules which required me to get a new debit card. My bank was sold before and I was not required to get a new debit card. I was FORCED to play by their rules to access MY MONEY. ARROGANT! Charges that never appeared on my past statements started to appear. Nickel and dime is how they they expand their revenue stream. GREEDY!


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I banked with FC for decades before moving from NC. Because it was no longer convenient to bank with them and the level of service had been declining I changed banks 10+ yrs ago. The following is the 2nd unscrupulous incident I’ve had with them this year. On 9/26/2019 the treasury department on behalf of my federal agency mistakenly sent my travel reimbursement pay via ACH to my closed FC checking account. 


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Do not use this bank. They will try to get money from you. We paid our water bill last week and it just now came out of my account today, ending with an overdraft fee. We will be getting that money back, even if I have to fight it in court. This wouldnt be the first time they have done this.


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This bank makes their money on fees for things you would expect to be part of the package having a checking account. For instance, an online transfer to a previously recorded bank generates a $3.95 fee. Calling them up to dispute the charge results in customer disrespect and of course they will not remove their unfair fees since they obviously make money on cheating their customers. I will never ever do business with them again.


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IF there was a choice for NO stars, that would be it. My mother had been a customer for years. We recently moved, and although we changed her address on line, unbeknownst to us, First Citizen's continued to mail her bills to the old address. So, she never received a bill and did not know she had a balance. Then one day, she received a call from a very rude individual absolutely berating her about non-payment. 


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When I first opened the account it was set up wrong. I had to go to another branch who closed that account and opened up a new one. The first account opened the agent asked me questions and that I bet have never heard a banker asked. There was no eye contact throughout the M process. Because the amount of money I was depositing it seemed as though she was insinuating that it was drug money. When I went into the next branch a week later is when I found out that she had set the account up wrong. Because of my experience and several customer service calls that week they decided to give me free checks. That was in August. I guess they are on backorder.


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I have had this business account for 11 years. Every since that merger occurred with BestBank they have been inconsistent and really don't know their products. The different branches which are very scattered here in Georgia have different policies per branch as it pertains to deposits. I was told by the customer service center it's up to the branch when it comes to holds. Now I have an established history when it comes to this account and the type of deposits that are made but they will sometimes make deposits available immediately and sometimes just decide to do a 2-7 day hold depending on what the teller thinks. In addition, the phone reps never have thorough knowledge of the products they are discussing and somehow the security questions when calling in keep increasing and changing and don't match with what was on file the previous times I've called in... Very inconsistent and I'm closing the account because of it.


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This is the absolute worst bank/branch that I have ever dealt with. RUN from this bank. This branch and the First Citizens Bank allowed a third party company (Paysafe- California) to steal money out of my business account, even AFTER I complained to them at least 10 times. I advised them not to let this third party debit my account. I called their fraud department on July 12 and spoke to them for 45 minutes. I went to the branch in person on July 13th, and I spoke to the branch manager. They did not care and the third party continued debiting my account even several weeks after July 13. The bank staff lied about me and said that I threatened to harm them when I never did, period.


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Wouldn't choose another bank, great rate and customer service! Compared a variety of banks and some were close but First Citizens offered to match or lower the rate if I could find one less than what they offered. All of my banking is now with First Citizens.


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I am a disabled woman. My husband and I have been banking with First Citizens Bank for a year now. I have received excellent service up until three days ago. An ATM took 200.00 of my money. I reported this to the bank and was lied to and given the run around about my money being returned to me. They are now saying it will take 10 days for it to be returned. I am giving this review because other people need to know about this bank's dishonesty!


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I was a previous Guaranty bank customer of many years and never had one issue with Guaranty. It is almost a year and my debit card has still not arrived. I called explaining that I could not go to a branch as none were now near me since this bank took over and that I am disabled, and so forth, so I just want them to complete the transaction over the phone. I was transferred after a 33 minute with an inept front line CSR who repeatedly (at leas 10 times) called me "Mrs. Ms." - not Ms. after I corrected her the first time. 


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I have owned many businesses and dealt with many banks but I must say First Citizens is the worst ever. Their online Customer No Service is amazing how bad it is. You would almost think you have to train to be that bad. Their Customer No Service in the branches are just as bad. Long waits, not enough staff, rude and they don't care about you at all. I don't say these things lightly but you have been warned. If you are looking for a new bank don't bother with First Citizens and go where they appreciate your business.


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These people cannot be trusted. They tell you one thing and then act as if they never said it. I had a loan with a balloon payment which they said would be renewed. Exorbitant closing costs were charged, when confronted about this they promised when loan is renewed in 5 yrs the costs would be much lower and would make up for these high initial closing costs. Well guess what? After paying all 60 payments on time not one payment late, we also had a stellar credit rating. It came time for this loan to be renewed and they would not renew in order to avoid charging me less closing costs which they had promised. Had to pay this loan off. You can do business with this bank if you want to but you will regret it.


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We applied online and they took our deposit but 8 days later they still haven't opened the account. Now they're telling us it'll be 5 more business days until the money will be refunded. Unacceptable!!


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If I could leave 0 stars for this bank I would. Looks like someone else had a similar experience. Years ago I had a business account with this branch for my car dealership for all of 6 months before I had to switch to a different bank. I had an account with BB&T previously and felt lost in the shuffle of a big bank. First Citizens was closer to my business and I felt I would be better served at a local community bank but I was wrong.


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Before First Citizens bought out Guaranty Bank, I was a satisfied customer of almost 20 years. Since First Citizens took over I am getting bombarded with overdraft fees. One thing they do is they take out the debt first then they put in your deposit, regardless if you deposit cash before the end of the day when the pending debts come out. Today, I can see that I was in the positive but customer service is insisting my balance was negative $1.50. From what I see online it was still positive until the overdraft fee. I cannot close this account fast enough.


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Overdraft fees! When opening an account you have options and they go over certain things with you. As such is overdraft protection in which I've declined. After reviewing my online account I was charged (Two) times of $36 each in fees on top of the (Company's) auto pay amount which should have declined the auto pay. Instead FCB picks and chooses which items to declined and to accept an overdraft for then charges me this fee. So how can they charge me for something I've declined but still allow to process through to my account when I don't have the funds in there? Scam... 


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Aggravating and inconvenienced - I was at the drive up teller and instructed to come inside to cash my check. The check was written from their establishment. Once I entered I asked why I had to come to cash the check. She said it is a convenience for their account holders and non-account holders had to come inside.


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I made my first payment over the phone and I paid extra and wanted the extra to be applied to the principle and I stated this three times because I wanted to make sure that they were doing that and I call today to make my second payment and they state they cannot apply it to the principle over the phone and I am very upset and wish my loan was not through them.


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Do yourself a favor please. Please do not bank here. I have worked for JP Morgan Chase and never in my life have I had overdraft fees, I am 34 years old. In the last 6 months I have paid $700 in fees. If I pay my bills through the account it takes 10 days! For it to go through. I honestly believe that this bank has some algorithm issues because I will have funds in my account and as soon I'm close to very little funds EVERYTHING magically gets processed. Let me say this again, it take 10 days for transactions to clear. Also if I make two transactions for instance one at 10:00 am for $30 and one at 11:00 am for $10 (and I have funds in my account) the later transaction will go through immediately but the first transaction goes through 10 days later.


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Please never bank here. They stole 600 dollars from me in the course of a year. Closed my account without telling me. Gave me mysterious charges after the account was closed. They don't communicate well at all. The tellers act like they can't pull information up even though I was told on the phone they could. And to top it off they make and act like it is the customer's fault. I wish I could sue. 0 stars if I could. Also important to note I've been with this bank since I was 11.


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I am a First Citizens client since 2016. I came to deposit 2 checks and I was with my 4 year old who was running around. The branch manager told me, "You need to fill out forms" and I said I have a child with me and never completed one. She was extremely rude, and after I complained of her lack of customer service skills she completed them for me. I will change the account with another bank. I felt like I was in the ghetto and not in a bank. Lindsay ** should be fired. Thank you.


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So for the past two years, I've been seeing trumped ATM fees, 3, 4 & 5 times. But this ATM fee isn't from the ATM machine. It's been charged by First Citizens Bank. I firmly believe this problem is grounds for a class action lawsuit.


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Before FCB took over at Guaranty bank I did a change of address, once again when it switched and my debit card along with pin number was sent to old address. Job sent direct deposit after closed account. FCB Did Not redirect funds back to my employment, instead they tell me they would send a check to only send it to old address again. I called several times, went into a branch to be told I have to wait for 3 months to get my funds. I worked hard for or for old address to return mail. They also refuse to cancel check. If I could rate this bank it will be 0!


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My wife and myself both had accounts plus a joint account with G Bank. Then FCB took over. Several of the local banking locations closed making banking harder but still bearable. Then they sent out new debit cards or so they said. Of the 3 accounts we only received one debit card and for that one the pin never came as promised. Activated the new card and for 2 weeks it was refused for every transaction. Getting online access to the account with their new code refused to work several times until I finally got lucky I guess and I could finally match a new pin to the card. 


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First Citizens took over the bank I have used for many years. During this time they never sent me nor my fiance our debit cards or account info on time which locked us from accessing our money. Then they screwed up nearly all auto deductions causing late fees. Then they reject withdrawals. I went to talk to the very rude tellers there and they denied everything. Then they wanted to charge me $7 to get a print of my transaction history. This place should be shut down. Do not use this bank.


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I was a recipient of a First Citizens gift card. I attempted to inquire the balance on the card and the website stated that the card was inactive. I do not believe that the card was ever used and it was within the expiration date. I attempted to call their Customer Service department and was totally unable to get access to the information on the account. I was asked the original purchaser. I was unsure of the purchaser. I was also asked the original balance. I did not have that information either. I am totally frustrated with their procedures to access the transactions on this account.


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First Citizens bought out my bank’s loans from FDIC for pennies on the dollar in 2009 when banks were crumbling. Profiting millions. My loan was a construction loan that was complete but not converted to conventional loan yet. First Citizens refused to refinance the loan and would only keep it as a home equity loan that was closed to draw upon. Since it was a “home equity” loan in their status, it allowed them to apply balloon payment demands once the term hit. During this recession no banks were doing jumbo refinancing so First Citizens tried to steal my house from me because of the equity it had. This bank only wants your deposits and to use and suck the life out of anyone they can get. Since they’re based out of NC, no one in any branch has a clue what is going on or how to do anything. DO NOT DO BUSINESS WITH THIS BANK!


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I just opened my account & I'm already having issues. Money is there & then suddenly it's gone. I filed a dispute & nothing so far. Meanwhile the place that took my money is still charging the membership fee. Supposed to be once a month and they have taken it out twice this month. Don't hear anything from bank.


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Attempted to get an online account for two years. It has worked about 2 week off and on for that. It is difficult to reach a human being thru the robots. Service online is confusing with the speaker giving out unseen entry points on the computer. Seemingly uncaring and possessing questionable intellect. It is truly a hardship and indicative of 21st Century Technology. Banking credits/debits so far have been excellent. They just seem to have no customer service that is viable.


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I reached out to First Citizens customer service due to a charge on my account of $** when it should have been $**! I spoke with Janet and she informed me that there was nothing she could do and that I would need the merchant that made the error to call in and resolve the issue. I am appalled that this is supposed to be MY bank and they should resolve issues concerning MY money for me, not allowing a third party to take the responsibility of making a phone call. This payment could have been easily voided or stopped and I would have access to my funds but neither Janet or her supervisor Avery were willing to do anything other than tell me to have the merchant call back on Monday. 


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I called on April 16, requested my accounts closed. The agent told me exactly what I needed to do. I followed the instructions and sent memo. They received my letter, but decided my signature wasn't good enough and wanted a notarized signature. I don't have a problem with this, except they failed to inform me and locked my accounts. It's now June 4, and I still can't get into my accounts, because they have a certain form they want notarized now. They refused to give me access to any of my money in my accounts. They keep charging me fees every month as they take money out of my account, but locks me out! I hate this bank!!


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I have been a member with First Citizens Bank since 2006, when I was in high school. I got my first auto loan through them, co-signing with a parent since I had no credit history. Even with a co-signer, the interest was 14% for an auto loan. I went to college and used the account often, having both a debit and credit card. Throughout college and after, I had a couple high-interest personal loans that I paid off. I also had another auto loan through them, around 10% interest that I got by myself. I maxed out my credit card during college, but paid it off once I graduated. I have EXCELLENT pay history, never delinquent on payments. I paid all personal loans off, all car loans off early, and brought my credit card back to $0.00 balance. 


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I have had a checking account with First Citizens Bank since 1991. Today I was told by the local branch supervisor that because they had reversed an overdraft fee for me 14 months ago, that they would not be overturning anymore ever. See, I actually did cause myself to overdraft and asked if they could overturn the fee. Last year when they overturned it, the customer service person informed me that they normally could do one per calendar year. So when I initially called yesterday, I had to leave a message with someone in the bank because the supervisor was busy. She never returned my call. 


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They cheated. You call and tell them there a mistake and they tell you, "No that your correct balance" and you repeatedly ask if they're sure and they say yes. Three weeks later they take 5000 and place it on hold and said, "Oh we didn't do the transaction right" and now they tell you, "Sorry but we're taking this money."


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For the second time in 3 yrs I’ve caught First Citizens Bank STEALING money from my account for absolutely no reason. And the kicker is... they are still KEEPING half of it. They don’t even know what a Calculated Service Charge Type 37 is. They even alluded that it was partially MY fault. And yes I should have caught it sooner, but I had TRUST that the bank wouldn’t just take money out of my account for no reason. They ADMITTED they made a “MISTAKE”, which they didn’t have an explanation for, yet their “POLICY” says they could only refund less than half of what they STOLE. The legal term for this is called EMBEZZLING! How can a bank take money for an account and keep half of it and say this is JUSTIFIED? How is this right? It didn’t cause the bank a loss of money to take from an account. So why First Citizens?


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I've been banking with FCB for at least 2 years, and my family has been with them 40+ years. I've never had a problem with them until the last couple of days I end getting a call from the branch manager here in Crewe, Virginia - stating that my account had been hacked and my money and info had been jeopardized. I was told that it was never my fault, but that I should use "harder passwords". A lady from NC was using my info, putting money in, and taking money out of my account. A check was deposited in my account (which I knew nothing about and had been Christmas shopping the previous day) and that it was a fraud check. Immediately I was scared and needed answers immediately so we sat down for a meeting and she ended up calling another lady from another branch for more info and help. She was very rude to me and kept pushing her issue that I had given my account number out on a check. 


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I have been with First Citizens for over 30 years and never have I been so frustrated!!! I feel as though someone else is duplicating my charges! I keep up with my daily balance on my app thinking that would help me stay on top of my balance. Went to bed with over $600 in my account to wake up to $300!!! Went to the banks and they showed me a statement of what was taken out and they were charges that were already taking out (pending) but they said after pending it goes back into your account for a day or three and is taken back out. How do I know I'm not getting doubled charged? Their answer is to keep a ledger. I have never been so confused, frustrated and taken advantage of in my whole life! Leaving First Citizens!!


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First of all, what kind of bank shows the deductions before they show your deposit? Example, I get paid on the 1st, the deposit is there on the morning of the first. That afternoon I make three purchases with my debit card. When I look at my account online, I actually had the purchases taken out first, which put my account in the negative, and then they put in my direct deposit. What sense does that make?? And then even if I had a positive balance before the deposit, once they finish putting in all the pending things and/or purchases, I'm in the negative! I called one time and the girl kept trying to explain it to me, and would then have to put me on hold, because she didn't have answers to my questions. After her putting me on hold a few times I was conveniently disconnected.


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Years ago my father's account # was stolen off of a check somewhere locally and checks were printed with his account # and NAPA's name & Logo as the account holder (didn't match). My father had a CP who checked the transactions against the bank statement monthly. Because the account was checked 30 days after the fraudulent charge, I noticed when I got the copies of the canceled checks and not only did First Citizens refuse to give him the money back, they closed his account and refused to service him. They reserve the right to close any account at any time. My dad had only $90,000 in that account at that time. I still kept my account there.


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I recently had some really amazing customer service at my local branch. After having all of my personal information stolen out of my vehicle, they were very helpful in helping me take precaution when closing an account and opening a new one even though I did not have the typical forms of ID due to it all being stolen. However, almost 3 weeks later I noticed that I had funds that were attempted to come out of that account when I was told the account would be closed. This led to me needing to make several calls to customer service. Come to find out there is a service fee if you make more than 4 phone calls to speak to a rep. I never would have needed to make these calls if my account would have been handled properly and been closed when I requested it.


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I was double charged by Walmart Online Groceries almost $600. This and it incurred 3 OD charges! Customer service for my bank had to 3way call with Walmart online to verify that the charge was inaccurate. They argued when the Walmart associate said the initial charge is an 'authorization charge' and would fall off and customer service said "no, the money has been removed from her account". Customer service took off the charge and refunded 1 OD (they are only allowed to refund one) so I was referred to my local branch to get the other 2 OD refunded. Thursday AM I called every single branch in Clayton, Smithfield, Zebulon & left messages for management & got not 1 return call. 


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I called First Citizens and told them that I had a discrepancy on my account and wanted to cancel my credit debit card. Then after 10 days I call back to find out why I have not received a new one. They told me that I did not ask for a new card even though they got my new PIN number. Then after the 10 days I go back to my bank in person and talk to one of the Reps and they tell me they will order me a card and since I'm so close to the main office it should only take 3 to 5 days. That was on the 20th of June. 9 days later I called back and they tell me it was just mailed out yesterday so for seven days they sit idle. This is a bunch of crap. I will do my business somewhere else.


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I did my mortgage through First Citizens because they had the best rate at the time. This was a big mistake. It began well, I was able to sign on and view my mortgage online and set up auto-payments. Shortly after, however, First Citizens did away with their mortgage website with NO REASON WHY. They claim that they may bring it back but it has been over a year. Only one reason for a business to hide the details of your account... Looking to refinance with another company shortly.


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I loved First Citizens before they upgraded to the Digital Banking. It's the worst thing ever. It never shows the proper amount and then you never know which amount shown you should actually go by. To top it off one time I had a double charge by accident. It was pending and eventually fell off my account but I still got an overdraft charge for a pending transaction. I had to call several times and eventually got a refund.


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If you read all of the reviews of this bank, I believe they can be summed up in just one word: INCOMPETENCE. No need to bore anyone with the details of my experience... and that means that I will leave out the part about the smug attitude of one of the local Naples, Florida tellers... just my opinion anyway.


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Overdraft fees are nothing new to our generation. Including switching purchases around to collect more fees. Today I was informed that a cash deposit was held for 2 days because I had an overdraft fee in the last 6 months. The bank also has a hold on a transfer from another bank. Ironically, they're assessing overdraft fees and holding my deposits back. If this isn't an illegal practice, it should be.


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I read many of your posts as we are with First Citizens Bank (Bethlehem Office) Hickory, NC area. We have a Business account, Personal account, Savings account, and even (2) different Lines of Credit, plus checking overdraft account. We have been with them approx. 7 years now... But today, NONE of your branch managers get to know you or your local business or dealings like they used to do and NONE of them are allowed or capable of making any common sense decisions. Everything is "one size fits all" and they only send requests off to corporate out of State to get answers and decisions from people who do not even know of you locally...


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After 15 years with FC I am leaving. The online services upgrade debacle is the last straw. The true insult is that they don't do anything about it. Not even an, "Oops". The President and VP's need to be FIRED. If they can't do online in 2017 then it's over. The OL services have been hosed since the upgrade last year, October... LAST OCTOBER! The response, or lack of, is inexcusable, but they just plod on. They lost some of my pay-to accounts, my scheduled payments went dark - got some late fees for that. Thanks a lot FC.


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I opened up a checking account online. It did not require a minimum balance, and that was the reason I opened the account. Later, I added my wife to the account and we started getting charged $35 overdraft fees. It happened numerous times. So many times we were unable to make the mortgage payment because my wife lost her whole paycheck. The bank paid checks that did not clear, but charged us the $35 fee plus the amount the check was for. Which in turn kept the account in a negative balance.


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I banked with First Citizens for over 15 years since I moved to North Carolina, now I am closing all my accounts. The system "upgrade" is a joke, and in my opinion a way to generate fees. My husbands pension check has always been available by the last day of the month or even a day before if the last day of the month fell on a weekend. Now the pension payment is "pending" but I cannot transfer any money between accounts for FIVE DAYS. The pension payment is done electronically, so they have the funds. All of the bills I scheduled to have paid in the first few days of the following month show as being overdrawn.


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Yes, I have positive experiences with Ally. I joined gmac bank in late 1990's. I took advantage of high apy during the booming internet stuff and the bubbling economy at that time. Later it changed to ally and I'm still with it doing ONLY transferring funds, depositing checks, online saving, cd's, and self investment, which my save me lots of troubles.


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One thing after the next with these people, horrible customer service, signed up for a promotion I didn't get either, customer service is a crap show and they should all be fired. This is probably the worse bank I have ever dealt with ever. I could go on and on over and over but all I got to say is horrible place.


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We recently fell victim to a scam artist resulting in our withdrawals at multiple ATMs to pay toward said scam. This was traumatic, embarrassing and hurt us financially. We reported this to police and Ally, our bank. We followed all steps and procedures advised by Ally, who stated they would investigate. Two weeks later, we noticed our checking account was closed, with no advanced notice. We called Ally, and were told investigators had “terminated Ally’s relationship with us”. They closed all accounts without notice, on the last week of the month, immediately before mortgage, credit card, loan payments came due. They did not even give 30 days notice to mitigate the damage that would predictably occur to us. 


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Let me talk to a supervisor. I have gotten twelve different answers from nine different CSRs. One rep tells me there is a certain amount in my deceased father's accounts. Two or three months or so later I FINALLY get the correct answer to the question "What forms do I need to open an Inherited IRA?". The amount deposited was 25% less than I was originally told. To add insult to injury, I was told on 8/8/2023 that a check for an amount equal to the difference had been sent on 8/1/2023. Check never arrived. Called again on 8/21/2023. Providence tells me the back office is looking into it. Research will take 1-2 days. Processing the check will take 3-5 business days. I get two checks for a tenth, 10%, yes, you read right, A TENTH of what I was expecting. And my account balance goes down even more than the amount of the checks. 


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I have multiple times tried to work with them. Decided to refinance. My new bank was appalled of how they handled it. Did you know they will only paper mail a pay off letter so then it delays pay off and they keep adding up in interest. So now pay off higher. My bank called and I warned them about being transferred multiple times. It is shady business. And good luck. I sat on hold for 20 minutes. Then they told me they were not licensed to speak with me in my state. Then another 20 min. I refinanced and they made it soooo hard and were rude to me and my new bank. They are reporting them. They will not work with you.


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Ally bank was great until one day my mobile deposit for my paycheck was held for 5 business days. After 30 minutes on the phone and repeatedly asking to speak to a supervisor, and being told “they will tell you the same thing I am telling you” to try and avoid getting the supervisor on the phone. They were unwilling to reach out to the other bank to allow the funds to clear and remove the hold. Very poor customer service and I will be discontinuing any business with Ally going forward.


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I obtained a car loan from Ally Bank for a leased vehicle. After one year, I sold the car to a dealership, who paid Ally Bank an additional $6000 for the car, and I had paid the full year's interest on the lease. However, after the car was sold, Ally Bank sent me a letter stating that I owed them a disposition fee of $500. I contacted their customer service department, but the representative was rude and only repeated that I had to pay the fee. I explained that I did not break the lease, but rather the dealership purchased the car, yet he still insisted that I pay the fee. I have purchased many cars before, and have never been required to pay a disposition fee when the car was sold to a dealership. I request that others avoid obtaining a loan from Ally Bank, as they may also have to face similar difficulties.


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ZERO stars. Liars, terrible customer service, thieves. Need I say more? Why hasn’t anyone taken these people to court? I would be ashamed to work for this company. The company harasses you with calls, hangs up on your calls no matter which number you try and even discontinues chatting conversations. This is truth.


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I have been well satisfied with my Ally saving account, but now Ally Bank requires me to "specify my pronouns." The bank should care more about my money and not at all about my pronouns. I will take my saving elsewhere.


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PLEASE, don't ignore the negative reviews all over the web, and I highly advise against using them based of the small percentage of folks who say they had a good experience, especially those telling you to ignore the negative reviews. This company is bad energy and it's not worth the risk. They stressed me beyond belief by essentially holding $1#,### dollars of mine (life savings) hostage shortly after opening a new account. Forced me to jump on a call and it took hours of my life away, and they asked me bizarre questions and made me feel like I was be interrogated by police officers. Was hard to reach someone who I felt somewhat comfortable talking with too, as I kept getting a call center in India (no disrespect to those hard working people obviously). 


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I have had two auto loans with Ally in the past. Both paid off way ahead of time, never a hassle, problems, mix-ups or anything. I have a high interest savings account with them also for 6 years or so. NEVER, EVER, had a problem taking money out (which is rare), or depositing money into the account. Good interest rate and no hassles. No complaints here.


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Ally completely screwed up my funding of a CD. Now I am out $60K until they fix their mistake, which will be take "nothing we can do about it, but it will take days". Outrageous! I tried to fund a CD from my account with an external bank, which was already approved and in Ally's system. Due to their system errors, the transaction went through four times. Then their customer service representative did not know how to undo the transaction. Then a supervisor could not FIND the transaction. Then he found it but couldn't do anything about it. 


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Updated on 09/08/2023: Ally Bank has restricted over $3100 of my funds, and is holding over $3000 more in provisional credits, from funds stolen in identity theft, that I documented thoroughly. Ally advised me 10 days ago that it was being investigated by fraud prevention. I feel like they are treating me as if I did something wrong. I am in despair. When I reported the transactions as fraudulent, Ally instructed me to reach out to and work with the company that the identity thief sent money to. 


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Leased a Jeep to get the $7500 electric vehicle discount from government. Sent cashier's check for payoff. Two months later they say I’m in arrears. I have proof check was cashed. Hung up on 5 times. Check was cashed by JP Morgan Chase. They must partner w them. Don’t know or care. Trying to untangle mess they created.


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A couple of years ago I took out a car loan with Ally Bank. As I like to pay stuff off sooner rather than later, I tried to periodically make an additional payment. Not possible - if you want to make another payment in any given month, you have to use the normal menus provided, which only allows a payment to be made without designating where that payment would go, i.e. to the principal. In addition, as I only have 24 months left on the vehicle, I figured I might pay it off. Why is the payoff balance more than if I simply make the remaining 24 payments!!! Is that even legal??? These people are nothing but shysters. If you are considering opening an account with these jackals - DON'T!!!


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My husband and I have been with Ally Bank for several years and have a Checking and Savings Account with them. Ally Bank's online website has a disclosure that if Wire Transfers are submitted and reviewed by 3pm ET, then the transfer will be completed and confirmed by 6pm ET. We submitted a wire transfer at 1:30pm ET, and received a confirmation of email of this request. To be safe, we called Ally Bank at 2pm ET and a representative confirmed the funds would be transferred by the time disclosure commitment of 6pm listed on their website. We were informed by the entity we were transferring funds to that funds were not received yet by 5:30pm, thus we called Ally and they assured us these funds would be sent by 6pm. 


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As the years pass by customer service is going down the tubes even for long time customers - they are crude and not of much help. They take a long time to execute a task. They waste a lot of customers' time.


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Usually a bank tries to contact with customer service companies that can at least interact with American Customers. Not Ally. I recently ran into an issue with my password. I called and got--who know where. I really could not understand her and she just kept repeating herself. A waste of my time and their money. Find a bank that handles things in the USA.


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My boyfriend got his car reposed in December of last year. When he was able to get his car back he called Ally Financial multiple times to confirm if the car was still available before sending any payments. January 11, 2023 he was told at 12pm the car was available and to make the payment, but after he made the payment and called back around 4pm. They told him the car had already been sold and he would get a refund for his money. January 18th he called and was told a refund check was on the way and to give it 7-10 business days. As nothing came he called again on March 1st and was told the check would be voided and a new one would be sent but this time for only half of the amount as the other half was used to cover “fees”. When he asked about these fees they said they couldn’t answer and he would have to call a separate department. 


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Back in July of 2022 I got an extension on my lease for 6 months (to be returned in January). I have a copy of the extension and bank statements showing I was paying. Come October of 2022 I woke up to my vehicle missing from my driveway only to find out that Ally had stolen the truck back. I attempted to get ahold of them for 2 months about it and every time they said they had no record of repossession even though the city police did. 


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This is the WORST “bank” I have ever done business with. I would give no stars if it was an option. I got up today to an email that my account had been restricted due to “suspicious activity” and to call them to verify my identity. After being on the phone for 47 minutes and answering the most absurd identity verification questions like what kind of phone I have and who my internet provider is, they were unable to unlock my account. I spoke with the fraud prevention department who also could not tell me what was so suspicious about my account seeing as though I had only made a few online purchases and loaded money onto my cash app account several times. 


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If you have money with Ally, I would highly recommend you withdraw it quickly. I don't want anyone to suffer the way I have with them. Last month I did a large transfer from Ally to Chase, I'd done this before so expected no issue. But this time, the transfer didn't make it to Chase. Initially, Ally kept telling me to contact Chase, but eventually a manager at Chase explained the process and it was clear, Ally was responsible. Called Ally back and they admitted they have to locate the money. After about a week, no response so I called Ally back. After passing their phone verification, I was told (on the phone) that my account would be locked until an investigation was complete. 


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My wife and I are financed through Ally for a car loan. I have paid my bills for over 5 years with super high interest rates and never complained. DEC of 2022 I fell behind on my auto loans. I was behind a payment and a half. I have always made my payments. My payments for this vehicle are 489 a month. I lost my job in Dec due to covid and me not being able to be cleared in time. In Jan of 2023 I got a job and started calling my creditors to get everything corrected. I have another auto loan through capital one. I called capital one and explained my situation, we made an agreement and my payments were back on track. I made 2 payments to Ally in January which should have got me caught up besides 150 dollars. I then every month since the double payment in Jan I have paid 500 or more trying to catch up. For the past 5 months they have considered me a late payment on my credit score, severely harming my, and my wife's credit. 


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I called Ally Bank regarding my credit card statement. The first time I called I waited 22 minutes then all of a sudden the music stopped playing and I heard nothing so I said...Hello about 5 different times and no one answered...said hello again about 5 more times then the person hung up...I called back. Now I'm up to 26 minutes now and still waiting for a customer service rep to help me...and you pay these people how much an hour to hang up on people or when they feel like it to answer the phone then to hang up on people...I'll never do business with this company again and I am cancelling out my credit card...never and I mean never again!!!


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Ordered wire yesterday for a home purchase/closing today, never came, closing fell through. They claimed that are short staffed today. Can't imagine having my money in there. Day and a half to do an electronic transfer and they couldn't get it done.


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These people had me for over two months trying to fix an error on my wife vehicle title. I was trying to sell the vehicle when I found my wife name was typed incorrectly. They said that I have to have all the information they asked in order to fix this. They ask for the DMV address and they sent the documents there when they supposed to send those documents to the Tax Collector office. After more than 2 months when I called them back they told me that is my fault because I gave them the wrong address. Is not their job to know where to send vehicles titles in order to fix names errors? Now they said that I have to wait for time needed to correct this and in the meantime I can’t sell the vehicle and I have to continuing making payments if not they will repossessed the vehicle. I feel like they are ripping my money.


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As a senior I like the on-line banking Ally provides, never an issue in 13 years with savings accts. and great rate CD's. Ally offers 24 hr messaging as well as operator assistance. Paper mailed statements or online only. Once again I've never had the slightest issue. Enjoyed the generally best rates in CD's for 13 years of banking with Ally.


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A withdrawal I made was flagged as fraudulent and I received an email saying to contact Ally Bank. After about 30 minutes of very long awkward pauses I asked them why they needed some of the information they were asking for and why there were so many long pauses as it seemed suspicious. They immediately began acting more rude and hung up on me. I called back and I explained what happened with the first call and explained to them that I in fact made the withdrawal. They said "no problem" and that it should be resolved within a couple days.


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They unlawfully repossessed my vehicle when I was making monthly payments in the amount of my normal payment plus additional money each month to make up for missed payments last year. They did not give provide the Cobb Notification letter they are required to send me since they were accepting my late payments. They have had class action lawsuits against them for this exact issue and also within the state of Minnesota where they paid $780 in settlement due to them not following proper protocol per state laws. I got behind in payments when I was laid off last year, notified them of my layoff, they wouldn’t do any payment arrangement or payment assistance since my loan was so new so when I regained employment I have been paying monthly payment plus additional amount each month to get caught up. 


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It was all good, until one day I requested Ally to temporarily increment my debit card cash advance limit to $5000. At the time I had >$400K between Ally checkings, savings and CDs so it should have be no issue if I wanted to withdraw $5K, right? Ally kept pushing me back and forth for >10days and >15 phone calls, during which I heard many different narratives (aka lies) from the operators about why it was taking so long to increase the cash advance limit. Eventually I gave up and decided to move all my finances to a more reliable institution.


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I had an auto loan with Ally. I called and asked for a payoff and was given the amount. I was told that if I sent a cashiers check, it would be processed in 4 days. I obtained a cashiers check from my bank for $15, 000. I sent the check overnight to the address the Customer Service Rep gave me. I checked the tracking and it was delivered the next day. I called Ally to make sure they got the check and was advised that no one works at that address and a courier picks the checks up and brings them to a different address. That was the first problem. Two days later the courier picked up the check. On the fourth day I called to see if the check cleared and was advised that it wasn’t 4 days since they received the check. It was four days since I sent the check, but it was only two since they picked it up. I was told that it would be 7-10 days to get my title after they processed my check. I thought that was unacceptable.


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Very bad experience leasing a truck through this leasing company. My truck had an accident and they charged all kind of overages and did not return any overage paid by the insurance company. They did not reimburse and extra payments made by the insurance company.


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If I could choose a negative rating I would! I invested in CD accounts with Ally because they are a large bank with really good rates. On March 15 I closed a 6 figure CD and asked for the funds to be dispersed in two other CDs and gave the amounts for each. Ally created two CD accounts but never funded them. After many phone calls, case numbers and the run around they funded only one account with all of the money. Clearly not what I asked for. I made more phone calls, spoke to several supervisors who assured me they would rectify it, more case numbers and more supervisors but no resolution. 


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Is my first time open joint account  And Ally Bank make me run and don’t go back. My bf have auto loan at ally and it work well, then we try to open account. But today I know Ally wasn’t a good bank. Their requirements super bad, if you are not US Citizen you can’t be qualify to open an account on them. It need to be both US Citizens. If not, they will denied you application. This is not fair to everybody that are not US citizen. If I know it earliest I won’t choose Ally anymore, wasting my time. Call and ask for 2 days, end up with nothing done. Just get back to Chase, if ALLY never have good offer I won’t choose them. Ignore this bank, their system always run down. They are also discriminate bank.


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Opened money market with Ally and it was a nightmare since day 1, they (ally) have all types of software issues, was never able to access the account and when I finally could access it froze, not able to navigate, when contacting customer service for assistance, they weren't at all helpful in fact they made the situation more stressful, ended up closing the acct due to extremely poor service And spending too much time trying to resolve issues, not worth it.


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I contacted Ally in December to have a payment moved to the end of my payments. The first employee I spoke to said the only form of response of communication was by mail or by fax. The person said nothing about returning any paperwork. I then received a payment statement that I owed 2 payments. I then called again in January and had the issue fixed, so I thought. I paid the amount they required and they gave me another deferred payment plan. I sent the mail required back to them. 


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Consumers beware. We had two auto loans with Ally. I paid a 53K and 14K payoff amounts in 2021!! I have communicated for a year and provided Ally with documentation per their instruction for refunds they now threaten to send to the State Treasury. I have been lied to and misled. BEWARE!


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Ally Bank is by far the worst financial institution I have ever dealt with. My father passed away, and we have tried to communicate who would be purchasing the vehicle. First they lost my payment that I made through their own third party billing company. Second, we over paid the payoff, because we could not get a correct amount (which they have yet to refund). Last, we haven’t been able to get our title. It has been and still is an ongoing issue to get my title. The customer service is extremely poor. Do not use this company unless you want to be over charged and don’t want your title to a vehicle YOU paid for!!!!


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I asked for an extension on 2 vehicles, they said yes but only put 1 through the system. When I found out, I had a late payment on my credit, and they admitted their wrongdoing and did absolutely nothing about it. Their customer service reps have no knowledge of anything and it's always a joke to call or email. HORRIBLE place to do business with.


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This is the WORSE bank in the world. I have money I've been waiting to get from the bank that I requested from my account and it's going on 6 months now and I'm still having problems getting my own money. Customer service is TERRIBLE. I do not recommend this Bank. I'm now having a attorney to file a suit against this Bank.


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I received an Ally Bank Fraud Alert text for authorization of a suspicious txn on 2/28/23 using my debit card. I responded “NO” and immediately called Ally Bank. There were 14 fraudulent charges to the same company in Greece on 2/23 and an additional 15 fraudulent charges to another company in Greece on 2/28. The Fraud Alert was received on the 30th transaction. I have NEVER used the debit card on this account. The debit card has NEVER been out of my possession. The hacker had to have the 16-digit card number, exp date, and CVV/PIN code to use this card. The hacker managed to get 29 charges totaling over $4,300 APPROVED by Ally Bank before I was ever notified of suspicious activity.


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I do not feel like this bank was ever my Ally. They would promise to do things and then not do them, or they’d promise not to do something and then do exactly that. And they’d backtrack on these assurances/promises without notifying me. I’d be waiting and after nothing happening by the time they said it would happen, have to waste time calling in to find out they changed their mind. They couldn’t even treat me with the basic level of respect and professionalism. For almost two years, I tried to get them to change my name in their systems to my correct name, which they kept messing up repeatedly. Numerous times, I provided them with identification documents to prove what my correct name is and dozens of times I was promise they had fixed my name in their systems, but almost two years later, they still don’t have the correct name.


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I entered the Ally Bank promo following all of the requirements to the tee. Ally Bank failed to pay out the promo in the allotted time. After repeated calls I was not able to get any resolution. I would not recommend Ally Bank to anyone. Fraudulent banking methods.


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There are rules to what can be written in these reviews so I won’t be able to tell all the details. Simply put. There is a very good reason a class action lawsuit against Ally was won by the people. Ally was sued for millions and somehow still on their feet. They were also forced to stop reporting negative accounts to the credit bureaus against thousands of former customers. Do your research. Read all about it.


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I had a very frustrating experience when opening a CD account with Ally Bank. Initially, once I submitted my application, I received an automatic message stating that the transfer from my other bank account could not be made and that I needed to contact the customer service line. Upon calling, my new account was inexplicably blocked, and the representative I spoke with told me that I could not make any changes to the account at that time. She ensured me I won't be charged any fees later for any changes since I just opened an account. She also reassured me that the block would be lifted in a few days. However, the transfer proceeded anyway and now I have to pay a $2000 fee for making changes to my CD.


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I was approved for Coverdraft in my account, which was verified with the agent on the phone, but Ally has their sole discretion to say yes or no to any type of purchase. I was at the hospital trying to do a critical diagnostic exam and they couldn't approve the charge using Coverdraft. After being told this by the agent after half an hour because she didn't know why this occurred. I urge everyone to disable Coverdraft because it does not work and/or you cannot rely on it when you need it most. Very deceptive company practices.


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I’d like to first say that I used Ally for my car loan and had a great experience and for that I decided to try their credit card. I had a question about my credit card due date because the online account was showing the wrong date. I decided to call in and got an irritated rep. She was very snarky and was rude every time I asked a question. Maybe she was having a bad day but me being the customer I’m expecting nothing but the best customer service. 0 stars for her and I hope I have a better experience moving forward!!!


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I've had my auto loan with this bank for over two years and never missed a payment. I call to get help with my account and all I get is a runaround. Changing to another lender. This is the worst bank I've ever dealt with. Horrible customer service...


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In August of 2022, I had 2 checks stolen from a local USPS mailbox. Someone washed the checks and cashed them with Bank of America. While the checks were obviously washed, Ally allowed the funds to be withdrawn from my account totaling $6,759. It's 2/17/2023, and Ally continues to refuse to refund me for the stolen funds. Consumer beware, Ally doesn't offer provisional payments in these situations. Unless I hire a lawyer, they are never going to refund me my money. Please, do your business with another bank. Ally doesn't care about keeping me as a customer, they won't care about you either.


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I would give them 0 stars. Complete incompetent customer. I called on 4 occasions to get my lien release and 4 different incompetent people gave me 4 different answers. This is by far the worst bank to have anything with. I will NEVER recommend this company to friends or enemies. To give incorrect information on 4 different occasions show the lack of training and careless of this company. Shop elsewhere.


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Readers digest version; Adult daughter bought car 11/21, Dad signed loan with Ally. Daughter does not make 1st or partial payment, Dad steps in, wires Ally directly to her Accnt#, payment accepted. 5 other payments of 1000 or 2000 made same way through Nov. In dec, I sent 2500 to pay off the 2300 bal. NO comms from Ally, I'm expecting a lien release and a check for the overpayment. Their phone reps are of no help as their reps are functionally very limited and there is no recourse. 5 weeks later in Jan, Ally returns my 2500, no explanation again. HAS ANYONE EVER HEARD of a bank returning money they have in hand? LOL. I write a letter to them along with a certified check and copy my lawyer-son...10 days later account shows paid in full but where's my lien release?


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Ally Financial secretly drained my entire account of 540 dollars using monthly 20 dollar fees on an account that I had back when I was with TradeKing. This was an account I had using the money I earned working in my teenage years and I had kept money aside in case I wanted to invest. Ally Financial decides to drain my account without telling me, and I only discovered it when I finally received an email from Ally Financial that my account has been emptied on Jan 17. This is highly unethical and predatory, and I want my money back. 


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Have been trying to break a CD and get money returned. Here's the experience to date: They will happily let you open a CD via an ACH transfer for more than $150K but have an internal limit of $150K to return the funds via an ACH transfer. They claimed this limit that this was holding up returning the funds. Next, they claimed they had approved the higher amount and it would be sent on 1/26 or 1/27 but have not. Next, they again claimed it was approved to be sent and next it was not approved to be sent. Next they claimed it was in a queue to be sent and it was approved but would not state when it would be sent. They claimed that sending the funds via ACH depended on when the queue it was in would be processed. Good luck. Do not put any money into Ally, especially if you need it for a pending transaction such as buying a house.


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Banked with them for about 10 years. For the last two, can’t get through in a timely manner, calls dropped, on line questions not answered and last week (after 10 years), they would not verify my account when I called in and then said they were ending the call. I’d bank local and use a different bank for higher online interest rates. I’m moving my accounts.


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If it was possible for me to give Allied Financial a half star, I would! I made the big mistake of signing for a car for my daughter and financing it through Ally Auto. Because my daughter has been going through financial hardships I've been making her car payment for almost three years, and I've NEVER been late. For the month of December I explained to my daughter that it was her responsibility to make her car payments not me, but since I'm the primary name on the contract, failure to make her payments on time can be harmful to my credit score. The payment is $394.00 a month, due every 5th of the month. My daughter only paid $300.00 and I told her I'd pay the balance. Due to my busy work schedule I paid the balance on 8 January, but by then Ally Auto had hit my credit score for 59 points for being 30 days late!


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After being a long time customer for Ally Bank I have to close my accounts. I got just frustrated dealing with customer service about my issue. It's a long story to try to explain that. Basically, with each call they were giving me misleading information and complicating the issue even more.


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I bought my car through GM Financial and paid it off within 1yr. $10,000 down, and the rest shortly after. I've called 7X to get a fax and letter mailed about this matter and still haven't received ANYTHING. This is a TERRIBLE COMPANY!!!


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I fell behind on payments so called Ally to set up a payment agreement to catch up on payment. After I caught up on payments I called several times over the last few months to have Ally discontinue the extra added on to my payment and was told by several customer service agents that this would no longer be taken from my account. Every time I was told that they had taken care of it and I would be only responsible for my normal payment amount yet they continue to take the larger amount out of my account thus stealing money from me not owed. This has caused me financial hardship as I am on a tight budget every month to pay my bills causing me to not have money for my other bills. I don't suggest dealing with Ally Bank as in my personal experience they are crooks.


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AVOID at all cost!. Ally is a failing bank. Take a look at their share price. 50% of time no online access. Bill pay is suspicious. We lasted 6 months with. Banking Regulators need to act now to protect consumers from Ally Bank.


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They have put a hold on every one of my paycheck and checks. I was supposed to get an email with reasoning, email was blank. I have tried speaking to reps and no one understands what is going on. Every employee gives me different answers. I have never dealt with this at any other bank.


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Ally has stolen money from our account this week with no explanation or notice. They refuse to even discuss let alone return the money. I only found out by accident when logging into the account. There have been many other examples in the past of horrible customer service as well. We are done with this criminal organization and will be finding another bank. Avoid them at all costs.


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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Had a fraudulent check written from my account to "GMAC Bank," which oddly enough is Ally Bank's old parent company from a few years ago. Sketchy, but whatever. I was told that Loss Prevention would investigate and resolve my case within 1-3 business days. Now it's a week later and I've spent 4-5 hours pointless hours on the phone with various parts of the company -- Loss Prevention told me to contact Customer Service who told me to contact the Tech Department who told me to contact Loss Prevention who said that I need to hear from the "Resolution Team," who gave me the number to Loss Prevention when I missed their phone call while having dinner. I called Loss Prevention and they said I can't contact the Resolution Team through that number. One woman in Customer Service did go above and beyond in contacting every department she could to resolve my issue of not being able to deposit any checks, but her efforts were in vain. 


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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


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I have been a customer with Ally Bank for 5 years with my car loan of 7 years, I called to see if I could get my due date changed due to having to retire early and now I'm only getting paid once a month. I wanted to change my due date so that my payment wouldn't show as being late and of course having to pay a late fee but, no go. Really poor way to do business and believe me this will be the last time I ever take a loan with this bank ever again. In the past they had been helpful when I needed to change things around to avoid such things but the bank told me that they no longer offer this service, really I would think differently especially since people are hurting from this covid ordeal. Once my loan is done I will be done with them forever. Buyer beware and check out your ratings for this bank. Very dissatisfied with them.


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I was not told that making an extra payment towards my principal would have finance fees taken from it. This happened in September 2020 and I have been told the Check is in the mail. All LIES. When you call on the phone the operators do not seem to have a handle on finance matters and read from a script all the while never really answering your question. I have called, emailed and ALL THE WHILE MY PAYMENT HAS BEEN ON TIME. I WANT $ 100.00 DOLLARS RETURNED TO ME TOTAL. NO FEES DEDUCTED. I will NEVER use this Horrible bank again.


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My Ally experience kept me up for MONTHS!! Ally seems to be the bank to give out loans to customer with less than perfect credit. When I went to get a car, I had some negative equity that no bank wanted to finance. Ally offered a loan but the terms were less than ideal; I accepted and took the car home. Just over a year later I paid the loan off for my car. (March 2020) Due to human error, my payoff check was sent to the wrong department. I immediately called Ally and told them what happened. I was assured that they "made a note in the account".


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I was paying for a car through these people, over the course of 3 years of payment 2 and a half of which were always on time, they never once allowed for a refinance and were less than sympathetic when it came to how much they wanted every month. They do not try to help you in any real way. All these people are after is your bottom dollar they are not to be trusted do not use these people.


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Recently I purchased a new truck and the financing from the dealership went through Ally. The dealer told me they would be sending me materials but after month a hadn't received anything. As it turns out my address was butchered (a hybrid of my mailing and physical). Maybe it was a mistake on the dealer's part but finally I tried setting up an account online. However it was very difficult to input the correct information. They also had a mysterious phone number listed for me. After navigating the website and unsuccessfully trying to fix things on my own I called the bank directly. It was VERY challenging to get to a real person and the rep had the same challenges as I did to correct the information on my account. He wanted to take payment (though I already submitted online but it showed as pending). 


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December 2019 I was financed by Ally. All was great until my vehicle was deemed a total in January of 2021. I had already set up my next payment and attempted to cancel it eight days prior to the date it was to be taken. Ally said I have to contact the third party company to cancel it. I call them and they tell me to call Ally. Round and round with no solution except to let it go through and they would send it right back to me. I just spent 40 minutes of my only day off on the phone again going in circles. They say the payment hasn't happened. Well it did, I offered my statement but they said it won't matter as they have to wait ten business days. My only suggestion, do not use the third party to make a payment, in fact, skip them all together if possible. The frustration isn't worth it. Oh, they told me to call my bank to see if they will give me the money back! My bank, you are the ones that have it!


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I turned in leased vehicle at the dealership, and the dealership paid off the balance with Ally Bank, and the payoff showed properly on my account. However, I kept getting billed, so I called them and explained to them the situation, and after 5 calls and lots of time on hold, I was finally able to reach a representative that could help. Fortunately, she was able to take care of it after several hours on the phone, but the fact I had to waste my time on their error is frustrating. I got my final lease termination statement/disposal fee (which is a ripoff in itself, but that is standard for all leases), and there is no way of paying online... I have to pretend I'm back in the 80s and pay by mail, instead of a quick online payment. Personally, I would not use Ally in the future, fortunately my new vehicle is being financed by BofA, which is far better and lots of branches in my area as well.


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I got laid off from work due to Covid 19 lead me to see medical help because I couldn’t find work with pregnant wife and 4 years old. This bank didn’t care about you put the food on the table for your pregnant wife and daughter. I recommend that you check with the dealer which bank they are signing you with. Any community union bank with work hard to help you. They lied to me by making me get money from my sister who just lost her job to grant me an extension and they end up not granting it.


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Recently our vehicle which was financed through Ally was deemed a Total Loss by our insurance company. Our insurance company was awesome and finished our claim quickly so that we could get past this horrible experience and move on. This was back on 12/12/20 It is now 02/11/21 and Ally still has not sent the information to my GAP company even though I have called in more than 3 times to ask them if they did and sent everything they needed and they have the money from my insurance. The only way I found out is by finally actually calling the GAP carrier myself. My credit is already bad enough and this caused me to have to pay a much higher finance fee on my replacement vehicle and higher down payment because they are still reporting me as past due during this process. It is ridiculous and very upsetting. I will let everyone I know about this experience.


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Ally Auto Account Number: **. This is my second vehicle financed by Ally Auto. The previous vehicle was a Mercedes Benz, which I paid off before time in full; hence I’m a good customer. Due to the COVID-19 furlough, I had requested more time to pay my current Ally auto payments. I was asked to contact via chat, and I did on Dec 08, 2020. I was assured that I would not be paying any interest etc., till the end of January 2021. However, I received an email from Ally in early Jan 2021 that I was late in payment. Then, on Jan 08, 2021, I contacted Ally auto via email and phone. Email reply was an auto-reply from Ally asking me to call. I have tried several times to call Ally auto but was promptly placed on hold for more than 45 minutes. I called a few more times to work something out with Ally auto, but every time was placed on hold.


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I got sick with this "Upper Respiratory Infection" in Sept 2019, later diagnosed as Covid-19 and my dad had my phone as I was hospitalized which he left on the dashboard of his truck in Georgia so it melted and malfunctioned. Once I was released from the hospital 2 weeks later I tried SEVERAL times to contact Ally but all I got was the run around. After securing my old number again I got a call from them and I was given MoneyGram info to make 2 payments which I did immediately. I called 2 days later to make sure and was told my account was closed and my car was out for repo.


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My son's mom passed, I took her Toyota Rav 4 to a Toyota dealership, notified Ally and presented them with a death certificate. They picked up the vehicle and til this day, a year later, I am still receiving a bill and letters stating they did not get the vehicle which is a lie.


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I have accounts at 3 other banks, so I am basically comparing Ally to them. When I first opened the account, thought service was fine, but now it has gone downhill. No real customer service, different answers to same question from different reps, terrible phone connections--after holding for 30 minutes, they dropped my calls 3 times. Spent two afternoons trying to get simple information. Contacted through social media--no response. Tried calling Ally headquarters--phone no. does not work. Not sure any real bankers work there--sounds like a bunch of inexperienced kids. There is NO quick payments or ways to transfer your own money to your accounts at other banks. Zelle 'quick payment' takes 3 business days! Other banks transfer it immediately. That is the point of Zelle--it is for quick payments.


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This is the worse company I've ever worked with. In the midst of a pandemic they do not care if you are struggling they want their money and will harass you and manipulate you. I'm currently in the process of removing my auto loan from this company. They do not care about hardship whatsoever even if you've been an on time loyal customer of there's for four years. Their customers service are all non original English speaking so there's always a language barrier and no help is ever received. I personally feel this is done intentionally on the companies end to frustrate customers from calling. Save yourself the stress and stay away from this company. I would give them zero stars if I could.


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The representatives are inconsistent with their practices. They neglect to tell you pertinent information. One says one thing, then you speak with another and receive different information. Completely unacceptable. I requested an extension and it was granted with terms of course, all which weren’t relayed to me. Needless to say, it expired. I found this out after speaking with another representative. Who provided me with more terms, so which were different than the ones I had agreed to before. I will never do business with them again.


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Last April I walked into local Kia dealership and my credit score wasn't that great and Ally did approved me for no money down. And I was able to drive off the lot within a hour and much better than experience I had with Credit Acceptance 24 years ago. And Ally interest rates are much lower and I have it set up for automatic payments on due date through my bank account. And I make sure that I have more money in my bank account before the due date and haven't missed a payment. And Ally keeps reporting to the Credit Bureau as on time payments. So I recommend that call new and used car lots and ask if they do business with Ally before you do credit applications.


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Loan paid off over a month and still cannot get my title. Ridiculous customer service, and no answers. Loan paid off three years early and always on time. Ally is happy to take money, but NO CUSTOMER SERVICE. There are much better banks, with people that actually speak English as well. DO NOT USE THIS BANK!!!!


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After reading all the other reviews about Ally Financial, I also have had the exact same issues with them. So after fighting with them on the phone I stop payments through their auto pay, Don't set up auto payments with them because if you do they will illegally withdraw multiple payments in a month's period then refuse to reimburse you. Instead send them a money order from your bank each month or cashier's check with the date of payment etc. This is the only way to pay them and be in CONTROL with this financial establishment aka fraudsters.


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I took a personal loan with Ally and after setting up a one-time payment in advance decided to set up recurring payments. I assume I mistakenly did not change a start date and the recurring payment was taken out of my account one day after the one-time payment. Luckily I had enough money in the account to cover it, and I have enough financial resources that the mistake would not devastate me, but there was a time when it would have. Ally provided no assistance, telling me they could neither return the payment nor move it to the next month. They suggested that I call my bank to try and get the payment returned somehow and my financial institution was appalled that they suggested it as they knew it would be impossible unless the money was stolen to get a return. Needless to say, not a great first impression. I canceled the auto-pay and will never use this company again.


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Never will I ever lease through this bank again or ever use them. They do nothing but steal your money and good luck trying to speak to someone who knows what they are doing. The dealership had me lease through them in May of 2017. This July 2020 I extended my lease due to covid 19 and dealerships not being open. I am also over miles so I figured that could give us some time. Which luckily I had another vehicle so this sat parked since March 2020. What they didn’t tell me which they claimed they did was my buy out from July 2020 would freeze and all my payments from then on out didn’t matter! It was a way for them to make more money on the vehicle longer. It was their fee to have the vehicle longer. They said they sent me a letter I received nothing. I nearly lost it.


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Buying my first car was a big deal so I researched for months, both for my car itself and for the best loan offer. My credit was not the greatest (fair) so I did the best I could to clean it up in order to qualify for a loan. I learned that buying a car at the end of a quarter, or even better at the end of the year was the best way to get great deals so that's what I did. 


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I've been with them for over a year and I'm soon going to be refinancing with a new bank because of awful experiences with them. They double charged several times, getting ahold of someone is difficult, a lot of the calls break in and out and are just super confusing. They can take money directly from your account for payments, but cannot deposit money into your account when they overcharged. Instead you have to wait over a month for a check to come in the mail (of course it never comes).


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When it came to automatic payments, I was able to pay off my car easily. However, this company is the least trustworthy when it comes to getting your title. I had to call multiple times to get my title. At first, they said it was sent out and would be received in 7-10 business days. After three weeks of not receiving it, I finally called and was told that I should give it another week. I call a week later and they say they will send the title to me again. Again, I wait a couple of weeks. In the meantime, I start looking at new cars and am told I need the title for it to be completed, but they would hold the car since the title was on the way. 


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My account was deferred by my auto policy, Ally Financial, for being laid off from my job in March due to the Pandemic. When I started working again and paying my acct, and saw that there were finance charges being accumulated. On 09/10/2020 I had contacted my auto company, Ally financial, to discuss these finance charges being accumulated and the representative I spoke with told me to keep paying my acct on time and once I make my last payment the finance charges should come off. On 11/20/2020 I spoke with a supervisor named Adrian, Ref# **, and was told by the representative someone had given me misguided information. That he sent my case to the department of higher management for the consumer service team and to allow 1-2 business days and I have yet to hear from someone unless you call.


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Currently have an auto loan with Ally and need some assistance because I lost my job due to the pandemic. The customer service is terrible and they only want your money and don't care about any hardships in life. These people should be lucky they have jobs and the millions and millions they make off people. Looking forward to never have to give this terrible company and their terrible representatives a single penny and I hope they go bankrupt.


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Ally Bank allowed more than $1400 in fraudulent transactions to occur on an old debit card that should have been deactivated years ago. Over 60 transactions were conducted that wiped out my account balance for weeks.


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I recently opened an Ally checking account switching from Wells Fargo. I do my banking online anyway and thought an interest-bearing checking account would be a good idea. I was DEAD WRONG. Ally holds checks for 5 business days on deposit - INCLUDING PAYROLL checks. Customer service is useless - all they say is that we are allowed to do it and it is policy. Just another big bank making money at any cost at the expense of their customers. Terrible service. Hold your paychecks. My recommendation is stay away.


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Ally Bank! WORST EXPERIENCE EVER!!! I purchased my vehicle 3yrs ago this past October. Initially, the experience was amazing! Keeping in mind that I did not speak with Ally directly. My Auto Dealer selected Ally to finance the loan. I submitted $9000.00 (down payment) of my hard earned money to Ally for an automobile that I Desired. Don’t regret it. However, what I do regret is not researching Ally or reading their reviews prior to signing the dotted line. 


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After I paid off my car, I received an email to determine receiving my payment. But they are holding the title and they said it may take up to 10 days, and when I chat and checked the agent mention 10 business days, and I lost a very good deal to trade in my car coz of the poor policy.


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I am someone who reads a lot of reviews. But don't often actually write them unless something is horrendously terrible or absolutely amazing. Unfortunately in this case - I AM SO MAD that I can barely stand it. I have been trying to transfer my lease for close to a year. It started out where I could - but then the day they received the credit app from the lessor - they changed their policy from having to of made 3 months of payments - to needing 6 months of payments as a customer. 


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Would be a great bank if I could login without having trouble. Always had to call customer service to unblock my account. Happened so much that I am closing my account. Frustrating!!! Did like the buckets. But there are other online banks that have the bucket system.


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I have been banking with Ally Bank for 3 years straight. With an impeccable record not to boast of myself, just being honest. They were a decent Bank the reason I went with Ally is because of their interest rate. One thing you cannot do with Ally Bank, is deposit cash. The only option you have is the mail in a money order. My complaint is simply this with an impeccable record. Over the last 3 years with Ally Bank. I woke up this morning sat at my table with my coffee to do my bills. I open up my app to Ally Bank. It said my account is closed and Big Red letters. I was absolutely shocked. I can see my direct deposit but they closed the account. My balance was zero. I'm thinking to myself what is this, has so I called bank done to my account.


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I enrolled in the COVID relief through the Ally financial website per their instructions and I never received any communication from them. Last night my car was repossessed at 11 pm at night without notice or any communication from Ally. I started the process at 8am this morning to retrieve my car and pay my balance that took 6 hours. I made it just in time to pick up my car because they close at 3pm and I was already charged $400 for the towing services. If I had not found out where my car was they would have charged me storage fees of $200 a day. During this time when there is a pandemic and people are struggling and out of work and Ally claims they offers assistance but it’s a LIE!


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Very disorganized way to run a company. I'm one of millions now to suffer from the consequences of the pandemic. Ally is charging 9%. I called numerous times to tell them they need to work on lowering the interest like anybody else to enable people to breathe. First of all all their employees are not even here in the US. I'm so proud of every company that has at least most their employees here in States. I understand it's cheaper to hire foreign help, but at least have some here. They are refusing to lower their interest. My car value is 10,000.00 dollar lower than what I owe on the car. I don't understand how you prefer to repossess the car and lose 10,000.00. I really don't get it. Please understand that the pandemic is real and lower the high interest that people could pay when there was no pandemic and people could work more.


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I had a lease through this company. At the end of the lease they wanted to charge me money. I called the day after I received the notice in the mail. I was told to wait for a final bill that never came. Instead, a couple of weeks later I find a new credit line opened stating I owe Ally. I call them (second call) and ask about some of the taxes they claimed I owed (I had paid taxes they charged a month before the end of my lease, so I was wondering if they just double charged me). I am given a new number to call. I call (third call) and talk to them. They tell me to call back next week. I call back (fourth call). I am given a new number to call. At this point, Ally started sending me automated calls that, when I answer, would say "please hold" for a few minutes before hanging up. Daily. I finally talk to someone in one of these calls and they just say "I see you are talking to another department. Thank you." 


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I was approved for loan deferment and was told autopay would be shut off and that I would need to turn it back on once the deferment was completed. Unfortunately Ally did not turn off auto pay like they said, and after I made my partial payment, auto pay took out the full payment. Now my checking account is overdrawn and Ally says it will take 7 to 10 days to refund. For a person who lives payday to payday without cash on hand having an additional $801.05 taken from my checking account makes the next 7 to 10 days a hardship. Ally will not simply refund the money for 7 to 10 days, even though it's their mistake. How am I supposed to survive without money? Ally said to call my bank. My bank said I have to file a fraud charge.


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Vehicle loan was paid off and Ally financial kept taking payments out of my bank account. After talking to 3 different ladies and all 3 sounding like a broken record stating we have no money...! So now I'm out $389. They didn't even listen to what I was saying and the last person hung up me as I stated this issue is crap and I have bank records showing they did take the money... Do not trust this bank. They are thieves.


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The company I was with sold my loan to Ally. I pay 4. X the payment and still end being charged close to 200.00 a month in interest. When my loan was transferred my banking information was not transferred so a payment was late before I was contacted. This was originally an interest free loan.  Because of this I am now paying 29.9% interest. I have a 782 credit score! Loan sharks!!! Stay away. BEWARE.


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Ally Financial have no problem lying, they are unprofessional, they are aggressive towards customers, one time threatened me. Joined a covid19 relief program just to be scammed by them. They hate evidence as I have recorded calls with their own words reassuring me. I'm not surprised if more customers take legal action this year.


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First off, if I could give a zero rating, I would have. I decided to use Ally Home Loans because I do online banking with Ally.com. I was initially approved for the loan by agreeing to pay off a couple of credit cards and an auto loan. I use credit cards to make purchases and then pay off the balance each month so I had no problem agreeing to pay them off. After paying off the two credit cards and the auto loan, I uploaded all documentation to prove that these items were paid. That was not good enough for Ally Home Loans. They asked me throughout the loan process to constantly supply this information, even though it had been supplied to them weeks earlier. 


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So I had leased a vehicle with Hyundai, notably I had paid the lease terms in full but due to some life changes I had exceeded mileage limits. It looked as if purchasing outright was going to be the best option. I’d gotten into the lease under a credit building offer & had hoped Hyundai would assist me in buying the vehicle. Well, Ally was my only financing option at the time & I am being charged 21% interest on this loan. I’ve faithfully made my payments on time over the last year plus & contacted them to see if I could renegotiate better terms. I was told they don’t do that. I’m sorry but paying credit card type interest on an auto loan is outrageous & not in line with what I’d expect. I’m planning to get out of this loan ASAP & will never do business with Ally Financial again. Poor customer service, and rates speak for themselves.


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They say they are there to help people with covid or related issues. I’m still not back to work, unemployment insurance exhausted, and willing to pay my debt but ask for a modification to lower my monthly but NOPE. They are not helping people, they aren’t working with me, and they dinged my credit for being 1 payment late making it impossible to refi a better rate or even trade it in and getting a less expensive vehicle. I want to pay, just like I did with all my prior vehicles, but I had to call twice and was treated very rude. No help, rude, and dinged credit in a pandemic. Not the company I would recommend to my enemy.


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Absolutely the worst company to do business with. I signed up for a 5-year car note with Ally Financial. If I was ever late on a payment. I'm referring to less than a month. They called me nonstop. 2 to 3 days a week even after I would schedule a payment date. Each rep claimed to have no notes from the previous one. Their customer service is terrible. I called to pay off my whole balance at the end of my 5th year. I spoke to a rep who confirmed a certain amount and stated that if I paid that amount I would no longer owe anything on the account. 3 months after what I thought was the end of my contract, I get a call saying that there's 200 dollars left to pay. Mind you, I have the mobile app. Even the mobile says I'm paid off. No one can explain to me why I have no balance on the app but continue tell me that their record say I owe 200 more dollars. DO NOT do business with Ally Financial!! They are crooks.


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Financed a car thru the dealer with Ally but having problems now. The dealer added extra service and warranty services without my knowledge about 4500. They kept it in hiding but eventually I found out. I told the dealer I didnt want that and they said that I had to keep the warranties but to cancel at another time. So I called ally who refused to cancel the contracts. I reached out to the dealership but they ignored me so I headed over to the dealer manager who told me that the cancellation form was filed already 2 months ago. I called ally today and they said that they aren't processing anything but then did say that they received the form Sept 4th. I asked for who was in charge and how long takes but rep said he had no idea and hung up on me. His name is H **.


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Ally Finance was ok while I was paying for the car, once I paid it off everything changed. I paid off my car March 2019, I have been requesting my title ever since. I have numerous confirmation numbers, regarding they "sent" my title, never came. Finally, they sent a release lien letter, however it is missing a line that the State of Colorado requires. I have called and requested this line to be added, then send the same letter without the line. Today, I call and was told Ally can not add the line requested by the State of Colorado and to have the DMV call Ally to release the lien as they no longer have the title. So I have a paid off car, with no title for the past year and a half. Hopefully, I can get the State of Colorado to release the title. Do not use this company.


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Don't mobile deposit your money!!!! I deposited my pay check last Saturday and it said it wouldn't be processed until the next business day. I thought that sounded funny because they are an online bank but, I figured I'd be patient and give them a chance and by Monday the funds would be available. They weren'! I contacted Ally bank and they informed me they are holding my paycheck for 11 days and could give me no good reason as to why other than it's in their deposit policy that they could do that.


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I spoke with a man about deferring my payments for two months in May due to COVID and being out of work. He said it would be no problem. We would skip the payment for May and June and my next payment would be due July 31st. I paid my next payment in July before it was due. Then they called and said they had no record of me calling to get the payments deferred and I was two months behind. They reported it to my credit also. I will NEVER finance anything through these liars again and I will make sure no one else I know does.


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I have been paying for my car for over 6 years. We are in the middle of a pandemic and as they well know, people have lost their jobs. They denied me an extension when I only have a few payments left to pay on my car. The fact that they would deny help to a long paying customer in the middle of a pandemic is astounding to me. I would not recommend anyone finance a car through Ally Auto.


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I paid off my loan on August 7th with a cashier's check. Ally confirmed receipt of the payment, and told me they mailed the lien release on the same day. I told them the dealership where I traded vehicles needed a lien release right away, so they told me they would FAX a lien release to the dealership on August 12th. On August 13th, I called them and said the FAX was not received. They said they would FAX it again that afternoon. On August 17th, I told them I had not received the mailed lien release. They told me I should receive the mailed lien release by 8-28-20.


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Before paying off our auto loan, we contacted Ally to ensure we have everything in line to quickly receive a lien release and to obtain our title as we were selling said vehicle. We spoke to them on 8/2 and paid off the loan the following day. Their website says "It could take up to 4 days to process your title/lien release if you paid with certified funds like a cashier’s check or money order. For other forms of payment, it may take up to 10 days to process." They took out the final payment on 8/3 and posted it 8/5, so clearly no further verification was needed at that point. We followed up on 8/6 as to the status of our lien release and were told we have to wait the full 10 days for our funds to be verified (even though they had been removed from our account and posted the day prior). We requested that the lien release letter be emailed to us as soon as available and continued to wait.


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We started our auto load with Ally in 2014. Not too many issues. Seemed pretty easy to deal with. Until we paid it off in May of 2020. I called and spoke to someone and got the exact payoff amount. I was told at that time since Covid they were working on a “skeleton crew” and getting the title may take longer than normal. So imagine my surprise when a repo truck shows up to get it. 


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Disgusting what they do to people. Ally is absolutely disgusting what they do to people and how they treat people. I traded in my car in February rolled over the payment into my new car. Spent hours upon hours on the phone trying to figure out why every month I was showing a late payment. They keep asking me if I wanted to pay for instead of showing late payment. The car was traded in and rolled over payment!!! 


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We leased a vehicle from Roseville Dodge and went through Ally. Never had any issues with them until the lease was up during the COVID pandemic. Dealership wasn't accepting any lease returns and said if we dropped it off they weren't responsible for any damage. We notified Ally and they said OK and to keep them informed. For 3 months we tried to return vehicle as it just sat in our garage. Next thing I know my credit score drops 100 points because Ally said that we were over 90 days past due on payments because we hadn't returned the car. Dealership even stated they weren't accepting returns at the time. Ally refused to change the bad mark on my report. Now I have heard they've done this to other people. BEWARE OF THIS COMPANY!!!


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Hello everyone want to review this financial company, if you can go with someone else.. Since the outbreak of Covid I had an extension done, I was told for 120 days, next thing I know I had a payment due within 20 days of having an extension... So that went away, the extension.. Now when you miss a payment be ready to be harassed every day until you make a payment and get a letter in the mail saying your car will be towed. Also I’m expecting to have a baby as well and I’m on maternity leave unpaid, we’re already at our witts end with bills and they can’t seem to understand what I’m going through, imagine that. I can’t even get another extension for some reason, they never explain why.. So please if you're doing your research do not go with Ally..


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My experience with Ally bank has been fine up until the point where I paid off my vehicle. I have always used electronic fund transfers to make my car loan payment. When I decided to pay off my car loan I use the same process Electronic Funds Transfer, as you know this is the quickest way to pay off any company. After making my final payment I contacted Ally bank to inquire when I would receive my title. I was told that I needed to wait a period of 10 days for the funds to clear the bank. I advised the representative I had paid via electronic fund transfer and the funds had already been removed from my account and transferred to their account so there was no need for a waiting period. Nevertheless it did take the entire 10 days before they released the title to be mailed to me. 


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Car was paid off in March of 2019, title was requested multiple times and never sent. Now in a situation where car has been totaled by uninsured motorist and my insurance will not pay out without proof of the loan being paid off. Ally assured me they would fax the lien release within 1-2 business days, we are now on day 5 and I am still getting the run around and being told it will be faxed prior to end of day, and then another hour, and then another day. I have NO VEHICLE now and am due to go into labor soon. Do not waste your time with this company. Once you pay them your loan amount you will never see your title or lien release. Have spent hours on the phone with them this week asking for my release and they still have not sent.


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When I started with Ally, the savings account interest rate was 2.20%. THAT IS GREAT! But about six months later... It is 0.08%. That's about a 60% drop in interest. Believe me, DO NOT use Ally Bank.


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I have used Ally for about 2 years, but my cards quit working out of the blue. They worked some places but not others. When I called to troubleshoot the issue they couldn't identify the problem and instead told me they're closing my accounts! They didn't give me any time to transfer my funds, and the amount was enough that no institution would cash such a large check as they said they'd send me. They also couldn't guarantee I would even receive that check and couldn't insure my money! There's no reason they should have canceled my accounts without my permission and without warning. I asked to speak to a manager and was in hold for over an hour! I'm now left to pray that my thousands of dollars arrive in the mail in time to pay bills and before I run out of groceries. I wouldn't trust this bank with your money since their way of fixing card issues is to just close your account. I'm still shocked at this "unprofessional" treatment.


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I went to their website asked for a deferment during COVID, they approved me for 120-day deferment. 60 days later they call me and say my payment was late and they put it on my credit report as late and I've never been late on my car payment, now they say there's nothing they can do, I'm pissed.


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The left hand does not know what the right hand is doing. Totally messed up our forbearance request. Called several times to have them fix the issue and not one employee told me the same story. It was very stressful and the issue is still not resolved. I would NEVER take a loan from this bank again. The customer service people are condescending, talk over you and don't listen. One employee basically told me I was lying. UNREAL!!!


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Very customer oriented. Excellent services. Quality product; operationally superior... Best on-line Bank ever. Easy of use stands out... Great menus.. Easy to find what you seek... Good access to prior statements online.


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Having poor credit leaves you with minimal options when you are stuck in absolutely need a vehicle. You are stuck with getting loans from companies who prey on people in these situations and charge a ridiculous interest rate. Ally is one of those companies. I paid the vehicle off on May 2020. When I didn't receive the lien release I called them. I learned they do not automatically issue lien releases and it must be requested. So I requested it and was told I would receive it in 10 business days. A month later, still no document. I contacted them via chat and learned my first request was never processed. They would expedite my request and I would receive the document in my secure mail in 2 business days and it would also be mailed. 


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Longtime online savings acct holder. Had a 42.2K bank check to deposit. Ally on opposite coast from me. Called in re expeditious way to deposit. Was referred to their app and e-check deposit. Downloaded app; entered acct info; logged in. Completed e-check deposit; received confirmation number. Was told by app I would "soon" receive an email indicating whether check images accepted. No email appeared. 


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I have called over 20 times to get a problem resolved and I just keep getting transferred. I have been given so many reference numbers and have been told that I will be called back but I have not been contacted once. Never never never will I work will Ally again.


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I received money into my checking account after a day, I moved the money to another account, within 3 days Ally fraud prevention department calls me and tells me that the deposit was from fraudulent source...which is total BS. My account was closed, they are conducting investigation. Meanwhile the recipient of my transfer never got it. The originator of the deposit never got refunded....So there is a missing money somewhere....Neither originator got it and destination never got it....and I am left with short end of the stick with a negative balance. Ally bank has thieves among them.


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Where is your review feature on FB? I had not one but two hard pulls of my credit with an excellent score both times - I had to ask after 4 weeks of jumping thru hoops and providing the same documents multiple times that I was declined a refi. A refi in a home I’ve lived in for 17 years with over 500k equity. No 2nd mortgage. No home equity line of credit. It’s because I am a woman and a business owner who doesn’t provide a W-2. I was told they would re-open my application - 4 weeks ago and not one word. If someone who has excellent credit, money in the bank, very little debt, 500+ equity in the home they’ve lived in for 17 years cannot qualify for a mortgage - who can? Oh, wait. A man.


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Customer support and management at Ally Financial did not seem to understand their own system. They did not listen to what I said, nor did they demonstrate comprehension by a simple restatement. Instead they went on tangents. They made false statements based on assumptions. They claimed a debit card payment was processing when it was a credit card payment. They claimed the first account I used was frozen. This too was a false statement, which was proven to be a false statement via a three way call with my banking institution. A written statement was offered to Ally, but Ally was resistant to that offer. Over the past week and a half, my phone conversations with Ally Financial have included employees repeating basic information at best and inaccurate information at worst.


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I've had an auto loan with Ally Financial for 7 years, now. I'm now at the last payment to close my account. Due to Covid-19 changes, we lost one of our primary sources of income and my payment was 32 days late, according to their system. When I log into the website, I'm told that "Due to my account status", some functions will not be available. Evidently, access to my account information is a privilege that I only get if I pay the amount they tell me I owe, through muffled collection calls.


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To paint a picture, I am a customer of Ally Bank and Ally Financial. I had a lease with Ally financial and after turning it in, waited for whatever charges were due. I had made all payments on time and had a billing alert set. Long story short, they never billed me, notified me, or in any way contacted me about a balance. The collection agency did (two days after being sent the account). No bill, no notification (which I received like clockwork on my lease) and no contact... just send it to collection. When I asked why I was not billed, they said the account showed paid in full and reporting had to be taken up with the credit bureaus. Nice customer service.


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My experience was horrible...at least the close out experience was horrible. My two year leased car was returned with 13k miles total and only two minor scratches. I received a bill later than referenced a heavy scratch not there at pick up and not documented by the transport company. When I called this into question and asked to speak with a supervisor none called me back. I'm through with this leasing company for good.


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A month and a half ago, I totaled a car that was financed. We had Ally GAP Insurance. I am still presently fighting with them, and even threatened to get an attorney to settle this. My Collision insurance was able to handle this immediately, but I have been in a constant battle with ALLY Gap Insurance. I have sent the same documents they have requested more than 10 times. I have been told they are behind because of holidays or COVID-19. While, COVID-19 does play a small role in slow downs, it doesn't play a role in the customer service and the ability to keep up with the documents you are sent. Customer service has been horrible from day one of the claim. 


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They do not report your on-time payments to the Credit bureau's!!!! They have not reported any of my payments since May 12, 2020, I woke up one morning and my credit score dropped 140 Points!!!! I’m 22 years old. I’ve worked 3 years to get my credit over 700+. The person over the phone wasn’t even sympathetic like they didn’t even care. Just told me "ok sir we will open a claim with our accounting. It takes up to 30 days." I was on my way to owning my first home and a nicer car, with now a 500+ credit score I can’t even get a roach infested apartment. Thanks a lot Ally.


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If I could give them a negative 1000 I would do it. I am paying off my loan early. The bank will not take a wire or electronic funds transfer. Instead - in the middle of a pandemic - in order to get the payoff cleared as quickly as possible, they want me to go - in person - to a bank and obtain a certified check, and then go in person to a shipper to overnight the certified check.


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On June 29,20 I opened a 12 month CD with Ally Bank and authorized $11,000 to be ACH'd from my TD bank account. I looked at my emails later that day and saw the confirmation for the transfer and also saw confirmations of three more transfers of $11,000 each. These three confirmation emails were all posted at 1:26 on June 29. I immediately called Ally and spoke with Maurice. He proceeded to cancel the transactions and suggested I call Ally the next morning to confirm. I called Ally at 8:00 on the 30th and spoke with Christine. She looked into the accounts and said there was nothing she could do but for me to call my bank to reverse the transfers. My bank said it was up to Ally to the transfers.


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I requested a pre-approval for a home loan. The bank ran a credit check after I gave them my information. I asked them very specific questions. Relying on those answers, I made an offer and started the process, which costed close to $1000. The initial information they gave me was nothing but lies. They avoided calls when I scheduled, and then finally, a week before close, decided to tell me that I was not going to get the loan. And then proceeded to tell me I could not have the appraisal of my property because it belonged to them even though I had paid for it.


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I paid my loan in full on June 12, 2020. It is now June 28, 2020 and still no title! I have called, emailed and tried chatting online with customer representatives. I sold my car and the gentlemen who bought the car is waiting for me to get him the title. I am beyond frustrated. I was told by one representative that the title was mailed out on June 21, 2020. I will NEVER use this bank again and will tell others to do the same. They prey on people with bad credit and make so much money with all the interest charges!


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My wife and I tried to open a joint account and had a terrible online experience. We recently moved and our legal address changed so I expected some additional steps; however, we were auto-denied and received 6 rejection letters in the mail weeks later. Pathetic - I’ll take my money to a real bank with an actual group of people who can mitigate a simple address discrepancy.


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Paid off loan 0 Balance then got charged $314.61 interest on a zero balance. When payment was made it says paid in full. Then how to track your title. So it wasn't really paid in full. So they ripped me off for the extra interest. Paid a Ford loan off at the same time. I already got the title.


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I say ZERO stars. Worst customer service ever, got a loan in 2017. They don't bother me. I don't bother them, it was great, BUT!!! This past month (May 2020) I decided to do a equity loan, my bank need a pay-off statement from Ally. Every single individual I have spoken with they are all thumbs. They can not seem to muster this simple task, to the point that they are sending me other customers' information, (mind you all they have to do is click and go). I hate to see any of them having to fight COVID-19, ally would not have anybody to answer the phones. Yes as of today I'm still trying to get this done and forget the hold times. WORST!!! WORST!!!


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We wanted to transfer our lease into my husband's name so that I could get the lease off my credit in order to complete a home refinance and save $600. This home refi would have helped me pay for childcare and other things I needed while dealing with quarantine. The Ally call center who called me said they would not help me because they suspended the product due to covid. 


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They are the absolute worst to deal with, on hold for over an hour every time you call in and never an english speaking agent. Also only randomly updates credit reports even with 39 on-time payments. Therefore when trying to do a mortgage I was forced to pay the loan off to get it off my credit due to them not reporting for the last 6 months of on-time payments. In the mortgage companies eyes that is bad credit. They refused to update my credit.


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I bought a Volvo at Scott Dealerships in Lehigh County. My credit was fair due to divorce. I was offer an auto loan at 9.5% by the finance guy at Scott Motors on Lehigh Street. The payment was better than that being offered by yet another rip-off lender recommended on CREDIT KARMA. When I went to sign the loan papers, I was "switched" to a 12.5%! I questioned that and he offered some "BS" excuse. I still wanted the car. In reading the papers, there was an additional $3,000 added in. It was for a warranty that Vince added in and never told me. It was for only the drive train!... Wait, on a Volvo with 94,500 miles??.. and built to go 1,000,000 miles?? I told him to remove it. What a shyster!... But it's car people, right (??), lower than whale "**" they are.


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I overnighted the payoff as a cashier's check (certified funds) to Ally on June 4th. It was received at 10:13 am on June 5th. Ally didn’t process it until the 8th of June, and when they did process it, they did so as non-certified funds! This is costing me precious time as we are moving on the 18th! I have a buyer for my vehicle waiting, and waiting, and waiting! I am SO FRUSTRATED... Numerous phone calls of being ignored, stating they need more time, I’m DONE with Ally!


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Have a 2012 Kia Optima Hybrid that is financed by ALLY FINANCIAL. One day on the way to work I was trying and that white smoke started coming out of the engine and the car started losing power. I had towed to Firestone and they charged $60 diagnostic fee. They said that it was antifreeze in the spark plugs and all over the engine. It said that it was electrical but they now can't get the car started. They said to tow to dealership. Then went to Kia. It was $130 basic diagnostic. Same thing. They couldn't get it started so it would be $540 for full diagnostic to get started. 


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I've only had to contact Ally a few times; each time has been terrible. Online chat typically takes 2-3 hours just to get to speak to someone, and then be transferred over and over. Phone calls are no better, hours long wait time, people that don't speak English well and no results. I did a trade and received confirmation at $46. The Ally account shows my trade went through at $35, which would be great if I wasn't shorting the stock. The stock did not trade anywhere near $35 that day, nor has it in months. Ally is awful. I'm closing my account.


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Everyone Beware of Potential Impact on Credit Score because of Ally Bank inefficiency: Are you making your loan payments on time trying to rebuild your credit or keep your credit in great shape? Well, Ally Bank has not been reporting my on time payments since Dec. 2019 to June 2020. When this was mentioned in my first call to them in May, they said they are aware that reporting has not been occurring and they are working on it; they will expedite the correction. Now this is June and my second call to them, their excuse is because they are limited on staff. This is a poor business model or practice and completely unfair to the consumer. These same folks judge us on the credit reports to give people loan etc. Ally Bank please fix your problem and cut out the slackness! This is hurting the consumer, whether you realize it or not (how could you not, you're a bank) those trying to rebuild and keep up their credit score. Your lacks are impacting the consumer!


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They stopped reporting my payments to the credit bureaus in Dec 2019 even thou I made them each month on time. Thus my credit report reflects I owe more on my loan than what I actually owe. I will be making a complaint with the BBB and federal agencies.


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I paid my vehicle 07 Solstice off months ago but never got my car title. After I finally reached their off after many dropped calls I was told it was sent out already. It took years to pay off the vehicle and I'm sure the title just didn't disappear out my mailbox. The company is shady, my family or I won't be doing ANY type of business with Ally headache again.


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I took a loan for 36 months, I pay it in 6 months, but the bank didn’t report my payment to my credit... They report on December 2019 and March 2020.... They didn’t report my payment at January 2020 or February 2020. I had to call 10 times to the customer service and they lie to you all the time, every time that I call they say something else... No one care about you!!!! I Finish my payment ay May 2020 and they still didn’t report that I don’t have an open account with them!! I give them 0!!!! Don’t use this bank. It’s a joke!! When they don’t have an answer they put you on hold and then hang up because you can’t reach the same person twice!!


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We bought a new vehicle back in 2014 that was financed through Ally. Didn't know what we got ourselves into. Being a Retired Military family, we have come to know companies to help in times of crisis. Not Ally, their form of help was to add payments together and divide them evenly which in turn makes you have to pay more money that the actual payment itself. We made our final payment online 3 weeks ago which has still not posted or been withdrawn from our account. We received horrible customer service and advise anyone who has to utilize this company to refinance immediately.


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This company started out ok until the vehicle was totaled. My insurance company mailed them a check to pay off vehicle, they say they never received it. Started calling and harassing me for payment, I had to explain to them that the car was totaled. I called my insurance company, they issued them another check, 5 months ago. How in the heck do you lose not one but two checks? Then there is an issue with the GAP coverage. A couple people I spoke with said that they handle all of the paperwork, one girl even saying that they were putting the GAP paperwork together as we spoke...just to find out that they do not file nor even try to help you with the claim. GAP required a payment history with a running balance, had to request from 2 different people and about a month later before I got that. 


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I decided to give Ally a try. I regretted it. When I call it seems as though the service centers are scattered around the world. Difficult to understand and took 3 phone calls to something done. Asked for a supervisor and they wouldn't put one on the phone. Paid my car off to get out of that mess and they made it hard to do that as well. It's been 5 months since I've paid it off and they are still on my credit report. I called to discuss this with them and they implied I was lying without looking up my information. Unprofessional. Never again!


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Today, I found out all the representatives I have ever spoken with in the past year and few months have been verifying an address on my account that is completely different from what I verbally tell them. Ex. I say 123 sonoma court,and the address on file is 187 brookwood trail-that's a pretty significant difference don't you think?


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If I could give negative stars I would. I financed my vehicle with Ally and have always been several months ahead in payment and eventually paid my vehicle off about 15 months early. This was five months ago and I have still not received my title. I have called and spoken to their offshore call center who don’t know anything and are completely useless. So I asked to speak to someone within the states. Still the same runaround.


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Dear Lord, I wish I had read these reviews before opening an account with Ally. They have awful customer service. They froze my account for a week after I tried to deposit a pay check. I now need to pay rent, bills, etc, and the customer service response has been "too bad." That's after waiting an hour to finally connect with a customer service agent. As soon as I'm able to, I'll be shutting down both my banking and investment accounts with them. What an awful experience that I wish upon nobody!


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I am in the process of refinancing my car with a different bank that's closer to me, in order to do so I needed a payout form. I called Tuesday and was told it will be sent and will take 1 to 2 days. I didn't get it the first day and since I was in a time crunch I called just to make sure everything is going through. I was told I would get it on Thursday for sure. So Thursday is here and they sent me someone else's information! Different name, different city, different car and address, account and vin number which made me extremely uncomfortable to have someone's PRIVATE INFORMATION. Thankfully I planned on switching banks but after using Ally for 3 years I'm shocked. I would NOT recommend. If someone's information gets in the wrong hands it could really screw up people's lives.


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I purchased my vehicle about 2.5 years ago, being financed through Ally. At the beginning it was frustrating because there was no option to make a principal only payment. In the last 6 months or so, they began offering a principal only payment option. However when you select this option and make your payment, they still deduct interest out of the payment. 


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Opened a accounts with them about 2 months ago. Transferred some to savings and investments. Not much. Was being pretty cautious with this company. Then was going to use their edeposit but was told that if I deposit Friday that I wouldn't be able to use funds until 4 days. So decided on to do that I am on worker comp disability for a year now and it is barely half of what I made before I was injured so money is tight. They had a Customer Service Specialist call me March 31st and told me that yes hold are placed but they like every single other bank in the world can let some funds be available until the check clears. That if I do decide to deposit just call the support line and let them know of this conversation. Well 04/24/2020 comes around and I give them a shot. Biggest mistake ever!!


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I’m locked out of my bank account and have been since Thursday WHEN I OPENED THE ACCOUNT because I opened my account with a check. They are “trying to verify”. I’ve never been locked out of a bank account longer than 30 minutes and no one in their CS can help me besides telling me 2-3 days. Use a credit union.


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Ally was the finance company used by the dealership where I bought my truck. Within a week, I re-financed with a credit union for a better rate. I was told I would get a refund for the GAP insurance I paid for. My first payment to Ally was not due until 4/21/20. They received the full pay off on 3/21/20. As of 4/24/20, there was no title mailed to my credit union and no refund. Now Ally says I owe $66 in interest payments. And, they say they know nothing about the GAP refund. The person I spoke to would not allow me to make a payment over the phone and said I could not pay on-line which I know is a lie. The dealer tried to tell me I could not refinance for 90 days because my sale price on the vehicle was contingent on using Ally to finance it. They must give a kickback to the dealer. But there is nothing on the sales contract about this. Still in limbo as of now.


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I financed a lease with Ally Auto, I decided to pay off my lease early because I was purchasing a new vehicle. The dealership called to get my payoff balance, so they could pay them off. Ally's system was being repaired, so the online portal was down (it's usually correct). The dealership was told $667. In actuality the balance was almost $3,000, they had deducted my deductible and my mileage from the amount I still had to pay (which is not my remaining payments as asked), then they send me a bill for $1,200 which should have actually only been $600, because the other amount should have come from my deductible. 


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Purchased a Ford SUV in 2016. Originally went to bank after calling and being pre approved through Capital One for anything up to $30,000. Was at dealership for over 10 hours as they went back and forth saying Capital One would not approve the loan for the SUV I wanted which they originally stated was $17,500, but they had a bank that would. Long story short I was so tired by the time it came to signing I really did not pay attention to want I was signing. They talked about their 3 insurance policies, one for dents and door dings, one for tire and wheel and the last was Gap...Well don't ever do that.


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We bought a car from someone who had a loan with Ally bank. We sent Ally a cashier's check for the full amount of the 10 day payoff OVERNIGHT! They got the money 1 day into the 10 day payoff and cashed our check over 2 months ago. They now claim the prior owner owes late fees and a much higher balance. Our bank has sent copies of the cashed cashier's check paying off the car and to this date we have not been able to get anyone to call us back even though we have sent them a copy of the paid check multiple times.


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Good evening. Tonight is Saturday April 18, 2020. It’s been several months since the Sonata from Carmax was traded in. My husband Richard ** has been diligent going through at least 7 separate employees at the extended warranty department and whoever else they switch him to! I believe the monetary refund from our extended warranty not used is owed to us in the amount of $713.88. We have been told give it 3-5 business days to receive the check for a period of at least one month. No one knows how to help. The account # **. We are very disappointed to say the least.


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After being double charged months ago, my wife and I have been through countless hoops to no avail. They claimed they would refund us and when that didn't happen, that they would apply credit to our loan. This still hasn't happened, they stole the money from us and refuse to right their wrong! Please don't do business with them.


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I assumed/transferred a lease from an individual through Ally Bank. Payments were automated and all went well until I started calling on the end of lease process. Ally was very disorganized re: the end of lease process. I made several phone calls to understand how/where to drop the vehicle at lease end and if I needed to extend the lease for 30-90 days what the process would be. Somewhere in this process, Ally changed their computer systems and the process became even more complicated. The payment for the extension increased by $150 over the regular lease amount. This was never mentioned that the payment amount would change at all. I was told that the lease could be extended for 30-90 days and the vehicle could be dropped off anytime during that period. I would just need to call them with what dealership received the vehicle. 


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I was accepted for a loan on refinancing my truck. After days of waiting to finalize, called them back and was told the loan was on hold because my vehicle's registration just ran out (7 days ago by this time). Our Governor has a granted an extension on auto registrations because we are in a PANDEMIC so my registration is good. But Ally says Too Bad, So Sad, and decided to deny my loan. The heck with the health of American citizens to this bank.


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I re-wrote my auto loan because I was going through a horrible divorce. ALLY seemed to be very helpful. They gave me options to help me but tagged on 496.42 of late charges after they included the late charges into the new loan. I called in and they told me the late charges were not included in the new loan. I specifically told them they were in the new loan. They were gracious enough to tell me that I can use the life of the loan to pay off the 496.42. The late charges were initially promised to be credited and then told they would be in my new loan. I am going to pay them not once, but twice! ABSURD!! Then when the operator was done she hung up on me so I couldn't complete a survey - that's classy! Shame on you ALLY!


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I just got off a 4.75 hour chat to be in the same place I was 30 days ago. I’m adding this to the hours of calls and chat over the last 45 days or so. I was in an accident on January 27th and was finally able to get a Letter of Guarantee from them on February 25th even though my insurance company had been requesting the letter since February 8th. My insurance company sent the payment via overnight mail and it was received on February 27th.


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Dealing with Ally financial is a complete nightmare. Called to inquire about the process of doing a co-signer release for a vehicle- was given 10 different answers as to how to go about the process by people who barely speak English. Finally received the correct information after about the 11th attempt to acquire some clarity. Had all the documents ready to submit- called to confirm the fax number to send them to, “Oh you have to mail those.” Spoke to another person, “Ok here’s the fax number to send those to.” 


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Our experience with Ally Homeloan has been terrible. We did the application online for a refinance, which was easy. Received a good rate and locked it. Paid $550 for the deposit and uploaded all documentation. Very confident in the process based on our very high income. When the loan was conditionally approved, the loan closing costs changed and tripled without our approval to go ahead with the process. At this point because of high closing costs, nonexistent customer support (4 days trying to get someone on the phone, and received only an email) we decided to not continue the refinance with them, and started the refinance with another company with the same terms but lower closing costs and no surprises. 


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We have been going through financial hardship for few years more in past few months than ever. I try to ask them to move the late payment to the end of the loan so we could be current on the payment and save our credit rating. Each time I was denied. Other creditors like Capital One or Tidewater Finance were so nice to do that and when the virus touched all of us they even postponed payments and gave us 0 rate for a month but the money hungry and profit only oriented Ally Bank has turned their back therefore I would highly NOT RECOMMEND for any one to do businesses with them. In the time when we are all in trouble we need banks that will help us go forward not care about their profit because all we wanted to pay was 9% instead 12% so save your money and have a better experience with a different bank at this point.


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I would not advise going through this company for refinancing your vehicle. They are not willing to work with you should anything happen to your vehicle. They auto draft without your authorization. My vehicle totaled and I had to purchase a new vehicle or lose my job. I was unable to wrap in what was remaining on my Ally loan. 


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This company is a joke. I traded my vehicle back in December 2019. Pay off reflected my account January 22, then Ally reversed that payoff in March. I have spoken to 27 representatives who have either escalated this to be corrected, or found a resolution and stated it would reflect on my account 1 to 2 business days later. I am STILL fighting for answers and no one can give them. The one lady I spoke with reached out to the accounting department who stated it was an error on their end from their system update or whatever, and that the issue would be corrected and payoff would be reapplied and my account would reflect in a few days. Still no reflection and it’s been weeks now. 


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Re-financed in 2018 with Ally Bank. The process online and phone was great with all personnel with the application for loan. They paid off Bank of America and their other loan company immediately within 20 days. The process then went to Ally's Loan processing in Colorado, other than the NEW person handling the loan, didn't know how to process a Trust, everything was PERFECT! The new person, had to give the Trust I faxed to them, don't have text ability and told them that several times, his supervisor took the trust and in 1 day it was processed. Once thru the Loan Process, they ordered Appraisal on home here in Calif. Man and his son came and did thorough investigation. Home appraised at much more than thought it would. Funded. All done in 30 days.


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Up until this my experience with Ally was good. I paid my loan off early and have waited 13 calendar days and/or 10 business days to get the lien release document and still no document. The customer service lady Ice has been trying to help but nothing and I double checked on the website and it says 10 days not 10 business days. Beware anyone that thinks this is a quick turn around. Very frustrated because I have a buyer for the car who is growing impatient for the completely unnecessary delay. Ridiculous and very disappointing.


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Ally Finance will transfer you all day long.. You will also have to keep confirming information over and over.. I was on hold with the total loss department for a whole hour.. Some man picked up. Said hello and when I said hello he paused and hung up. The disrespect level of this company. 0 stars.. The worst company to ever finance with.. Customer service is very rude. I will not be coming back AT ALL.. And get with me total loss department cause I know ya reading. A manager or something 'cause my issue is not complete.


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Can anyone help and point me in the right direction, I got my car in 2013 and and in 2018 I was one day late on payment so they repoed my car in the middle of the night. I was told if I didn't get my car within 5 days I would be charged for them to make a key. I picked it up two days after repo. They tried to charge me 162$ for a new key, it's now 2020. I had two payments left and they repoed my car again because I never paid the 162$. In order to get it back I had to pay the 162$ plus my last two payments plus repo fees. 


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I have major issues with Ally Auto Loans. First, my car note date is for the 28th of each month. I went to the website to pay my 1st car payment on the 28th. Once there, it tells me my car note was due on the 27th. So I had no choice but to pay the $17 late fee. After I made my payment, I set up the account for auto pay for future payments. Today, I go to purchase something at the store and my card was declined. My bank showed 2 car payments taken out!! When I called Ally, I had to speak with a non English speaking woman who only repeated that I made a payment on the 28th and set up auto pay on the 28th. She could not get past any other explanations except that the computer shows that I set made a payment and set up auto pay. I asked to speak with someone else. 


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I wish there are zero stars so that I can give it. They don't even deserve 1 star. Their Customer service is not efficient. Agents are rude. Had to call multiple times to get a simple job done. For a limited power of attorney document. I had to call multiple times. Every time they say same thing, "It will be sent in 1 hour" but they never send it.


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If you value competent customer service do not choose Ally Financial Bank for your car loan needs. The customer service line takes forever to get through to speak to a live person. It does not matter the time of day be prepared to wait a long time. When you do finally make it to a live person you will then be disappointed that none of the service reps speak fluent English. So you will get to explain your issue multiple times and end the call still not knowing the answer to your question. The worst customer service EVER! Ally needs to stop outsourcing its customer service. Just sold my car so I am feeling grateful today was the last day I will ever have to endure dealing with this company!!!!


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I have had lots of trouble with Ally Financial. I haven't been able to get ahold of anyone about a repossession I recently have experienced. I am very disappointed in the customer service I have received all the way thru owning and disowning the vehicle.


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I recently had a Total Loss of our vehicle that we financed through Ally Bank. Our Insurance company took less than a week to process our claim and send Ally a $30,000 check. After 3 weeks Ally Bank has not posted the payment and I cannot even get Ally to tell me when they will post my payment. It is almost impossible to speak with an Actual Ally Employee, Ally bank uses offshore call centers with agents that cannot help. I have called, emailed and used Ally's chat trying to contact someone that can help, but No one at Ally can get my payment posted or tell me when the payment will post. I have asked for a call back from a supervisor, and I have not received a call after 3 days of waiting. I am 57 years old and I have used many different banks for auto financing, Ally bank has by far the worst customer service I have ever experienced! Do not use Ally Bank for any auto financing!!!!


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I was trying to get them to update my personal information and forward my title, so that I can obtain my tags in the state that I now live in. I sent all the info they need to have this done a month ago. I call to see why my info has not been updated and I got hung up on 4 times, no one could answer a direct question. No one knew anything. After 8 attempts, I asked if they could give me the # to the Kentucky office; and the Asian woman said " I can give you an American operator" WHAT!! Horrible, rude, and incompetent!! Wish I could give a zero.


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Ally switched my mortgage from Cenlar. Ally failed to pay my insurance where my insurance was declined and forced me into their insurance which was 3x more. They refused to return my call to date in order to resolve any of the issue. Worst customer service! Avoid Ally at all cost!


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I logged into my account today and see a past due payment. I was completely baffled by this as I had Autopay. Since December 2017 my Autopay has come out of my checking each month. I used the chat and became frustrated as they wanted to charge me a late charge. I finally got an answer that they did an upgrade to their system in January and my Autopay must have been deleted. They then told me they would ask a manager to forego my late charge. I explained in no uncertain terms that I had no intention of paying a late charge for something they caused. I went ahead and made a payment to bring me up to date and requested someone call me so I can discuss the problem.


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I have owned various cars and dealt with many banking institutions that finance autos (due to my husband being a car enthusiast) and have never experienced the unprofessionalism. Since the conception of the transfer of the lease, Ally has been unorganized and has given conflicting answers to both the applicant and I. We understand now why multiple car manufacturers/dealerships are steering away from Ally and going a different route for Auto Financing.


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So I get my bill this month, February the amount due is $0. I call up to ask why, they say, "Your next bill is in March," not even what I asked. I said, "You did not answer my question, why is my bill $0?" She said, "You must have paid February," I replied, "No I did not, I literally just got the bill, plus I'm looking online on my bank, and Ally there is no record of payment, what should I do?" She replied, "You can either make it or not, it's up to you." HUH? So I asked, "Will I get a late fee if I don't pay it," she replied, "There's no late fees on here that I see," again not even what I asked. Anyways, I paid it. Just fyi, doesn't look like Ally has their head on straight, and I have a savings account through them, I'm gonna have to rethink that.


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I applied for an Ally Savings Account, and they turned me down because I don't have any credit. I've never had a credit card. It's true. I don't want one. Never have. I think they're stupid. I wanted to put $250k into an Ally Savings Account. I don't owe anyone money. "Your credit score doesn't meet our standards." Well, Ally Bank totally sucks. Ally bank is condescending, rude, and nasty. They wasted my time with their stupid rules. If opening a savings account with Ally Bank is contingent on having had credit cards, then they should say it, and not waste people's time with their condescending BS. What a bunch of snobs!


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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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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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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.


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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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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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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.


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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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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.


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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.


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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. 


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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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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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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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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.


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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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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. 


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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. 


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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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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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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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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.


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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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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. 


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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. 


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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.


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** "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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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. 


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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. 


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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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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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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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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.


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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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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.


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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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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.


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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.


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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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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!?


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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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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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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.


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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.


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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. 


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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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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.


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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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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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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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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. 


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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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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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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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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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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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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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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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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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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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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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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%.


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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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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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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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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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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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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.


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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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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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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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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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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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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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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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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! 


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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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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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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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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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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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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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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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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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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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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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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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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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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. 


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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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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.


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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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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!!


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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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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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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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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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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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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. 


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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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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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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. 


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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...


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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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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.


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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. 


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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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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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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..


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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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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.


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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.


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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. 


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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. 


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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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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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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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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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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. 


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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. 


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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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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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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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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. 


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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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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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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. 


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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).


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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. 


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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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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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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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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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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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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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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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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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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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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.


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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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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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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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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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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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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.


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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.


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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). 


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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?? 


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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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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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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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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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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. 


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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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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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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.


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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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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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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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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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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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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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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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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. 


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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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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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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.


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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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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.


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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. 


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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.


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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.


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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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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. 


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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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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. 


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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. 


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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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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!


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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). 


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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! 


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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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I need to refi my car loan. I'm stuck with Ally Auto because my loan is upside down. I owe more than its worth. Ally doesn't give you options to refi. Other banks won't touch it. I would pass on Ally and never finance with them again. My APR is also extremely high. I have normal credit, I feel like they could help if they would at least lower my interest rate. But...no such luck. I do not recommend this financial institution.


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We just started our new car loan with Ally Bank two months ago and had no issues. Due to a job promotion and change in pay schedule, this current payment was 6 days late. We didn't figure it would be an issue since we were in our 10-day grace period. However, we were wrong. The first day we were late they started calling to collect payment. They were rude and demanding, as if we were in serious default of our loan. By the 6th day they were calling twice a day, at various hours in the day, and also calling all numbers they had on file for us. They threatened us with late fees, and treated us like delinquents. We've had several car loans, furniture loans, and of course a mortgage and we've never been treated this way. 


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Ever since I financed my car through Ally it has been the worst experience ever. At the car dealership I was told how much my payments would be. Ally has never sent me anything explaining what my payments are actually and when you call them they purposely act stupid like they can't understand what you need. They pull up random amounts of fees and penalties that make no sense. None of the people that work there speak English or something close to it. One time I actually talked to an English-ish person and guess what...they put the first person I talked to back on the phone! By the time you finish with them you just want to slam your head against a wall. I think this is what they want and you finally just pay the crap and move on.


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If you want to hear my story it is below on why to stay away from this company, but if you are expecting a title to be mailed just call back and ask for the lien release document to be faxed or "mailed" to you. I never received the title in the mail and it's been over 30 days. I decided to sell my new car that was financed by Ally from the dealership. Ally could be much better if they would invest time in their call center to actually give people correct information. Not sure if this will help anyone, but here is my experience with this bank: Once the funds cleared my bank from the buyer, I went to my online account through Ally's website. Generated the payoff amount and paid the account off. This may be absurd of me, but I thought the fastest way to pay off the account would be to make an online payment using my checking account from my bank which was my payment source on Ally's online account. 


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Turned in car and claimed I had damage, so I called and explained my situation and they didn’t care. I’ve never been in an accident and have always paid on time. Customer service was the worst and not helpful at all.


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On July 29 my payment was due, while in my grace period, on August 7th I totaled my suv. I called Ally and reported it and contacted Gap and informed them as well. They said that I had to send in a police report, insurance information. I did everything they said. Meanwhile, Ally Financial, closed my online payment account, I couldn't see any of my information. They then put a bad hit on my credit report. They received a check from Geico for 16** plus $ and one from Gap for 5073.54 and 430.91 from Millsboro Auto as a gap refund. On the gap paperwork it shows the total owed one the day of total is 22,300. Gap paper shows it's all paid. But Ally says I still owe 1111.54. And they don't explain as to how I still owe them anything. I will never ever use them again. And I can only hope that no one else has to either. I do have all of my paperwork. But if you don't want them to ruin your credit, what do you do? Pay.


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Ok so just to be honest, I was behind 2 months on my car. My husband called Tuesday and to his surprise they stated my car was up to date and no payments were due. He was calling to pay what was owed. They said nothing was owed at this time. Fast forward to Thursday! He goes to withdraw money from our account. To much surprise his entire account was empty! Yes. Empty! I’ve now researched this and it is illegal even if we owe, it is illegal for any company to take money from your account without permission, or letting you know, unless there’s a judgment signed by you in a court of law. Which we don’t have. You have to be sued for garnishment to be allowed.


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Once again, I set my payment up on "Autopay" to come out on the 25th of each month (the day I get paid). They will not change my due date from the 24th to the 25th. So I deal with their harassing phone calls each month. Today, I received a call that my account is $139 past due. I ask why/how since I am on Autopay to be taken out each month. They say that it's because I always paid more than my payment and when they set up the Autopay it made my bill lower, for a few months, and now the Autopay amount isn't more than the original payment. So along with this RUDE debt collector, I have a "Past Due" amount as well as late fees because they did something wrong. Not me. I just wish they would waive their late fees, since I don't feel like it was my doing. I also wish I would have researched this company a lot more before financing through them, I see a lot of 1-star reviews. This is my fault for not doing better research, I suppose.


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I sent a cashier's check overnight for the payoff amount on October 3rd, it was received at 10am on the 4th (the due date). For 4 days the account was marked past due. Then it was marked paid in full. Now it's the 12th and I just got off the phone with customer service who informs me that the release for the title should be to me by the 16th. I am pissed, the buyers have decided to look elsewhere. And if it took that long to make a payment I am sure there would be delinquent charges incurred. DO NOT DO BUSINESS WITH THIS COMPANY. YOUR BEST INTEREST IS NOT THEIR CONCERN.


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On Oct 3rd I CALLED Ally Financial to come pick up their 2007 Suzuki. I had this truck for 6 years and it still wasn't paid off. I would have never got done paying for this truck. They refused to come get their truck. Told me I was responsible for the other $4,100. I told him to go to hell not paying y'all another dime and I jacked the truck for 500. Ally is the sorriest company I have ever deal with. They're rude you're obnoxious and they're foreigners. Don't ever go to Ally Financial. Bunch of foreigners. Stay America.


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They repossessed my car on a Sunday and I couldn't get ahold of them and I had to work. I tried again and again and they were not helpful, rude and obnoxious and days and fees were piling up. This followed after I tried to buy the car from them and I was behind due to hardship but I've always paid my car and they know I was good for it but they took it. They are ** snakes and I will never do business with them again. They knew my miles were almost at the end of negotiated and they took the car like the garbage swines they are. Stay far away from this company. Loyalty is not a part of their vocabulary. If you need a leasing company, do yourself a favor and heed all our warnings. Make sure to NOT do business with the snakes.


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I was recently in a state of emergency because of hurricane Florence. My family and I lose everything especially the car that was being paid through Ally. I was a few days behind because of the storm. Loss of power for almost 2 weeks. Once I was able to call them, there was no one available that I could understand. I expressed to the collection department that I live in NC and was experiencing a hardship because of the storm. I had been making my payments on time within the 30 days allotted for 2 years straight. I was then told that if I didn't make a payment it would go against my credit. I explained once more that my city was under a state of emergency and we had no power. Still no empathy. 


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Over the years I have leased several of my cars through Ally Financial when I leased through Chrysler. Since I know how Ally Financial operates when you turn in your lease. My wife and I took pictures of the car expecting Ally to place bogus damage claims on the car so they can charge the customer. How do I know this because it has happened to us before. The car we turned in was in very good condition and about 8,000 miles under the lease mileage requirements. 


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In early September 2018 I requested an IRA distribution. They first had me submit one form, then another, then another. Now because I have three IRA accounts they want three more forms taking distributions from each account and incurring early distribution fees on each rather than taking my distribution from one account.


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So apparently, NO ONE that works within Ally Financial can give you previous statements if you weren't enrolled in paperless statements. I was on chat with someone and they can only give payment history. It is absolutely RIDICULOUS they cannot provide any time of paperwork/statements prior to 6 months. How can they not have that documentation available? Even for a fee I would pay if needed.


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Worse customer service I have ever had the displeasure of dealing with! Have been hung up on repeatedly, NO ONE SPEAKS LEGIBLE ENGLISH, And It is a magic number to talk to anyone in the company other than their collections division. It is impossible to talk to anyone who does not have their head up their ** or who knows what is going on! Will NEVER do business with them again, and I have purchased over 10 vehicles from them!


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Ally was great until I accidentally overdrafted one time. After that they put me on "probation" and charged me a $30 overdraft fee. Being on probation means instead of letting checks post next day they withhold the funds for an entire week. It's designed to make you overdraft again and again so they can keep milking you $30 at a time in fees. Avoid Ally Bank at all costs. It's not worth it.


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I had co-signed a truck for a friend, when I found out he was not making the payment, I had called several times over the months and asked if they could track the car and if I can take over the truck and pay for myself (in a recorded it line at least they told me it was recording). That told me there is nothing they can do and they can't not locate the truck for me, but when they possess the truck, They will let me know and that I would be able to pay the fees and buy it from them. 6 mo later I got the final papers saying that they sold the truck for $ 23,000 or so and that I owed them over $10,000. I never got nothing from them only final. Now this messing up my good credit and there nothing they would do to change.


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Ally Bank is one of the most inept businesses I have ever had the misfortune to deal with. In March of 2014, I financed my first car through Ally. I was glad to be picked up by Ally because I was fresh out of college with no credit history. As such, my interest rate was pretty terrible, but I just counted myself lucky to be approved and entered into a six-year loan proud of my new adult car and proud of myself for making it happen.


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I deposited a payroll check for $2300 10/1/18. I waited 1 whole month to be paid. Ally Bank is withholding my paycheck from me which has resulted in me sleeping outside and almost being raped last night. I was bludgeoned in the head by a fellow homeless stranger. I may lose my job because I can't afford a place to stay or place to shower. I explained my predicament to Ally Bank customer service. They said I cannot speak to a manager other than a call center supervisor. They said they cannot release the funds for 5 business days without exception. It will take an "executive" research and resolution team three business days to get back to me. Meaning even if they could release the funds it would still take 5 total business days.


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I was just on the phone with one of your representatives regarding my account. He explained that for 2017 and 2018 I have incurred $550.00 in late fees. After explaining to him that since February of 2018 I have been paying $1000.00 which is more than $200 over what my normal car payment should be. In May of 2018 I paid $1,100 which is more than $300 over what my normal car payment should be. The representative explained that the overage has been applied to my finance charge and not my late charges or principal balance and I am STILL being charged additional late fees on top of the late fees. 


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DO NOT UNDER ANY CIRCUMSTANCES choose this company Ally! This company is the biggest scam with the world's most incompetent and derelict representatives who are probably all working part time at Target because they don’t get paid any more than minimum wage. Their customer service is to be compared to that of a ** pencil eraser! My husband was hit in his F350 by a semi truck making an illegal wide turn from a middle lane. He’s lucky to be alive and still continues to see chiropractor physical therapist and a neurologist due to the accident. 


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If you end up being financed by Ally Auto please do not trust their online payment systems or when you call in. Online will tell you something one thing will happen. When you call in they tell you completely something else. If Ally is offering to finance your vehicle please tell them you will take anyone but them. Do not let them screw up your bank account like they had screwed up mine. They don't care about their customers. You can talk to the same people over and over again and each one will tell you something different. No one is on the same page and it is you as a customer that will be victimized. This is the worst company in existence.


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Customer service at this company is non-existent. The way to contact a live representative changes almost every day. A built in chat through their website became a messaging system that has no way to track your own messages. If you try to call their listed customer service line it tells you about all these "great" offers you are eligible for and get stuck in a sweepstakes line with no way to get a hold of them. If you call one of the alternate lines to their loan agent department the call will disconnect (read: you will be hung on) 3-4 times and you have to call back into the queue to wait for somebody to finally take your call.


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End of lease purchase from Ally. Sent a pay off check to Ally via FedEx Overnight mail. Delivered and signed by A. **. I called the Leasing Department and stated check was received and it would take 24hrs to process before sending out the Title to me. I called 25hrs later and now they tell me never got the check and asking to have their research department look into where the check could be... So frustrating!! Still haven't gotten anywhere and still haven't seen the title for this paid off vehicle!! Constant battle with this bank!! I will never use them again.


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My son had a lease through Ally. I called to find out the lease end date as my husband was a co signer and was told the date. My son took the car back to the dealership for some repairs and it was not recorded correctly with the dealership and Ally. So they are now trying to collect another $600 in charges for turning the car in late. The car was under in mileage and my son paid out of pocket for wear and tear. They have now sent us to collection even though we were making payments. I called today to pay it in full at a reduced cost per the last letter. They were no longer willing to do that reduced offer. I would never use them again. They are deceiving to their clients. They are not to be trusted.


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Ally is terrible, the customer service is awful. They rip you off and don't care about their customers. All they care about is getting paid. I'm in the military and have been in situations where I couldn't pay my car payment on time because I was activated or gone for training and I tried to see if they would work with me and they didn't. Ended up being behind on payments and I still am. They are unreasonable and I will never use them ever again.


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I financed through Ally with an easy payment... while married. I got behind one payment while adjusting after a divorce. A late payment fee was added and that's perfectly acceptable, I was late. The next month I barely made my payment so I paid a small portion of the late fee. The next month I made my payment on time but a late fee was added. I called and was told it was due to the fact that my account was behind. Not paying the entire late fee incurred another late fee. I eventually was so far behind I asked my divorce lawyer for advice. He said I was better off letting them take it, it's easy to bounce back these days. I tried one more time and they wouldn't budge on late fees so I quit paying. I put my payments in savings and drove for free for 3 months. They took the car at midnight, not going to lie I felt like a failure but two days later I had a new car with a different company, a more affordable payment and zero issues.


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I called Ally Auto to make my vehicle payment. My husband had a bankruptcy so for some reason they’ve made it extremely difficult for me to make a payment on my vehicle. I was speaking with Jennifer in the Bankruptcy department about how to make payments on my vehicle. I asked that since my husband was no longer liable for the vehicle if they could restore my account so that I could resume automatic payments. She kept cutting me off and was extremely rude and disrespectful the entire time. I cannot wait to be finished paying off my vehicle so I do not have to speak with these people ever again. I will let every person I know to not do business with these despicable people. I am going to be looking for a different lender and hopefully refinance just to not have to call in and be talked to the way I was today. I literally was just trying to figure out how to make my payments and I get treated with such disrespect.


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I set my vehicle payment through my banking institution, forgot that I did so while on vacation. So I went directly to their website and made a payment. Next morning (Payday) I see two payments are deducted from my bank account. Instantly called Ally to refund one payment. The lady saw the online payment and stated that she could not reverse it because IT ALREADY posted. So I called my bank and they said it POSTED as well. Of course it I was able to see 2 payments deducted. I call Ally back, Lady said she sees online payment posted but would need it to clear. WHAT!?!! When a payment posts... it's clear. She proceeded to tell me that she would watch my account then overnight a payment. Because refund needed to be in check form. What?! So Ally (a bank) can accept payments electronically but CANNOT refund a payment electronically?!?! 


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I bought a car back in 2013 and I got stuck with Ally. They never took my payments on time, they called and harass me constantly. I just traded my car in at a highly known dealership and to get away from them this past Saturday and they are calling me telling me I need to pay off my car because they got the loan with me. Like, are you kidding me? My payments were $557 and I paid $600 every month and some days they would take my payment the same day and majority of the time they would wait at least two weeks which tacked on late fees after late fees. 


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Every year at this time I am told I am a month behind even though I am 100% current on my auto loan. Absolutely the rudest company I have ever encountered in my life, complete slime. I am unfortunately stuck, but for anyone considering a loan with this bunch, I implore you to stay far away. I have already contacted my state's Attorney General's office.


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My son is going through some issues with depression and suicidal tendencies so he fell behind on his payments. I paid the $1146 that he was behind, and asked for compassion as to the $114 in late fees. They refused to waive them without talking to him, even though I explained that he wasn’t in a mental state to handle this and I am authorized to discuss the account. They took my money without his consent, but refused to budge on waiving the late fee without his consent. I suggest you find another finance option.


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Bronze Start Veteran has vehicle repossessed. I bought a 2007 Dodge Durango back in 2014. This year in June, Ally canceled my automatic payments that I have been making for four years. I was not paying attention and the loan went delinquent for 120 days. They showed up one day and repossessed the vehicle. After calling Ally, they informed me that they sent a ONE (1) letter in which I never received. They NEVER called or sent a CERTIFIED letter so that someone had to sign for it. NO, they just showed up and picked up my vehicle out of the blue. The vehicle already has 168,000 miles, the LR quarter panel is all rusted out and the engine was starting to have a hard time starting. All in all, I would not pay more than $2,000 if I bought that vehicle today.


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In 2013 I made a desperate purchase of a vehicle late at night after my vehicle died. Ally Financial is who provided the loan at a high interest rate, based on, I found out later, the claim that my previous vehicle purchased under GMAC had been reclaimed. This was not only untrue, but the vehicle had been paid off in full, and GMAC is who Ally USED To be. The vehicle was purchased from Hyundai and was involved in a class action lawsuit that included the two companies. The vehicle gas mileage was greatly exaggerated and ALLY routinely hiked interest rates. I tried the very next day to cancel my purchase and was denied, unlawfully to do so. I eventually returned my vehicle in less than a year as an owner surrender for a number of reasons not limited to the above mentioned class action lawsuit reasons.


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I purchased a vehicle around four years ago and I have had Ally Financial the whole time in January/ February 2018. I went in and underwent cancer surgery. I was behind on my payment for 2 months, every month after that I had made my payments on time on my credit report stated that I was still behind every single month. I had paid up one of those payments so I'm only behind one in the last 4 years but now they seem to have forgotten to take out my automatic payments so it looks like all of my payments in 2018 are late if you have an automatic payment wouldn't you think that they would come out automatically. Once my vehicle is paid off in full I will never use Ally Financial for any of my financial needs ever again.


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Everything was fine until I switched bank accounts and needed to re enroll in the automatic payment withdraw (auto loan). Apparently that was an invitation to screw me out of money because I've been told by several agents that they are not authorized and that they can only accept payments over the phone with you guessed it, added fees. After arguing with several agents and missing car payments I finally got a representative that told me she was going to re enroll me. Well that didn't happen and yea you guessed it again. They added late fees for the payment they didn't take out. Nobody that works there seems to understand English unless you stop making your payments then you get someone who lies to you. Terrible company. I don't how these people sleep at night.


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Returned Jeep to dealership, photos taken. A few exterior scratches. Otherwise Jeep is in great shape/Very Well taken care of, the 3 Years I leased it. I seen photos from the 3rd party who assessed the Jeep. Some photos were NOT on my Jeep when I handed it in to Sterling Heights Dodge!!! I've leased 6-7 Jeeps, NEVER had any issues!!! Mileage was at 12,000 miles over a 3 YEAR PERIOD!!! Interior was perfect!! I had regular oil changes/tires looked at every oil change. Parkway mostly! 3 years of driving a vehicle has to have wear and tear. 


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If I could give no stars I would. No contact I have had with this company in regard to our loan has ever been pleasant. I normally pay my auto loan via the Internet for convenience. However, this month I was not able to. When I attempted to log on I get a message back stating I don’t not have an account. So, I called to attempt to make a payment over the phone. At this point the customer service rep Mary tells me she can’t take my payment and I have to be transferred to the consumer resolution department because I’ve filed for bankruptcy. That’s definitely news to me as I have not filed for bankruptcy and am simply trying to make my monthly payment. Of course, the consumer resolution department is currently closed though so I’m told I’ll have to call back on Monday. My payment is due today. I asked to speak to a supervisor and Angie gets on the phone. 


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I got behind on my loan due to losing my housing and I was trying to make arrangements with the company to catch it up. Well they went back on it and came and took the car anyways. I don't know how many times I called them to set something up or to have them stop calling 1,000 times a day. So after they took it, you get referred to a redemption center and they are even worse. In the first 24 hours, they have no info and will not help you then say they have options but have to wait for paperwork to be in. Once the paperwork is in, there are no options and you pay this or you lose your car. Their representatives don't want to help or use the resources the company has. They will lie to your face and put inaccurate notes in their system. The company is a joke. Payment amounts are unreal just like their APR. I will never use them again. I advise people to look elsewhere because you will get better deals and better outcome with a legit company.


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Do not lease or sign with Ally. 3 years ago I leased a car Maserati Ghibli from this dealership. At this time, it was a sales team who knew about the car and looked like they have been interested in customer satisfaction. In the next 3 years of this lease, all of this people disappeared and a service disappeared as well. At one time, they took my car for regular maintenance service and kept for it for a week without loaner car to offer and I paid lease for a week without having a car. Every time when had to use the service there was some kind mistake. Once I came to look for a new Levante and salesperson even did not know basics about a car. But worse came at the end of the lease. I had two other cars to drive, so I kept the Maserati, basically as an exotic car with very little use. I had more than 12000 miles unused. It was a car in a perfect condition. 


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The loan process was easy, the payment online was also easy, and the interest rate was a bit high. My biggest complaint with the company is customer service. I expect a bank to work with me to help with mistakes happen. The representative I spoke with read from a script and kept repeating herself instead of thinking outside the box to fix a problem of their doing.


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My husband and I leased a car from Auto Nation and they set us up with Ally Bank. We have only made 10 payments on the car when my husband passed away. After his passing I could no longer afford the car on one income. I contacted Ally Bank to let them know what had happened and what did I need to do to turn the car back in and end the lease because I could no longer afford it. Not only did Ally Bank remove my husband's name from our account, which also meant that I could not log in to access our information, without my permission, they said they would do nothing to help me. I did not notify them of his passing, they just did that all on their own. 


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I paid off my vehicle in full. The payoff amount was received before the change date. However they processed the payment after receipt date and instead of backdating they have charged 4 extra days of interest. I am repeatedly calling and writing letters until I receive the extra four days of interest. It's the principle. I'm not sure this is a good place to do business with.


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I have been with Ally bank for three years. I have never missed a payment. I have other loans with Hyundai and BMW as well. I tried to sign up for automatic payments, and each time I did this, there was an error saying, "Come back later." I am very busy running two companies, and most of my payments are on auto pay. I had forgotten about it, and missed one payment. I wasn’t aware of it until I went on my credit report, and it showed I had missed two payments!


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Ally is a most horrible bank to finance with. Besides the fact that the GM Equinox that I leased was a piece of crap, with no pickup whatsoever, dealing with Ally was a nightmare. First of all, I returned the car in July, but only received the final payoff in mid September, 77 days later. And before I even had a chance to read the letter, the phone calls began, relentlessly multiple times a day. I had gap insurance to cover damages, but they refused to co-operate with me to make a claim. I finally had to write them a letter to cease and desist from contacting me my telephone. And to top it off, Ally made a wreck of my credit score. I will never consider buying GM or dealing with Ally. So should you.


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I have a Buick Enclave that was financed with Ally. I was fine with my experience until last week. I'm getting rid of the car but had a balance of $ 1022 on the loan so I paid it with an ACH debit from my checking account. The $ is gone from my checking account but now I'm told it takes about 15 days... WHAT?? The buyer isn't going to wait. This is ridiculous!! The customer service people (very poor English, hard to understand) said they have to wait for $ to get to them. GET WHERE? Everything is electronic, it's been taken from account. If I had gone with my local credit union (which had the same rates) I could have paid and had title cleared on the spot... NEVER AGAIN WILL I USE ALLY. I'm losing the buyer because of them. Photo is of account page that says... paid in full.


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By far the worst bank and customer service. We purchased a vehicle financed through Ally Bank. Everything was good, easy to make online payments until the our vehicle was totaled. As soon as Ally found out the vehicle was totaled they cut off online access without notifying and we had to mail in checks. Our insurance was trying to pay them off, they just needed Ally to fill out paperwork which took them over a week and that's because I kept calling every day to have the paperwork done. After the insurance paid them off we had a small balance left which they refused to work out a different payment plan and said we had to pay in full, in which one of their customer service representative had said they would be able to do. We always made payments on time sometimes even early and it was ridiculous that they couldn't work out a payment plan for the balance. Never again will we use them as they do not value their customers.


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I called in to make my payment which is due today, and John employee # ** refused to connect me to speed pay so that I can make a payment. I then asked to speak to the supervisor and he also refused. If my car is repoed because of this dumb ** I will sue.


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Personal experience... I’m am extremely disappointed with the process and dealing with this bank! You have to fax or mail in an application, no one to talk to, no online application and over two weeks to review and/or process. Once they come to a decision (in my case no approval, which is fine) but then again only to be faced with no one willing to discuss anything as to how a decision was made.


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This was my first time calling in because normally my husband calls in. The agent I had was very rude, talked over me, and was not helpful at all. He huffed and puffed at every question I had and raised his voice several times. I've never in all my car buying history had such bad customer service.


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I wish we could give no stars!!! First of all DON’T finance your car through these people!!! I tried paying my payment online like I always do. I had switched banks so I had another account and routing number. So my payment kept getting reversed. So I tried again a couple days later and the same thing happened again. So I went on the website and seen where you could mail the payments to and I sent it there. I sent it priority so I would know if it got there and it says it was delivered.


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I had a very bad experience with Ally Financial. First, they took an unauthorize payment out of my account, which caused my bank account go negative, and I occurred an overdraft fee. Ally financial refunded me the payment they took out my account, but stated they will NOT pay the overdraft fee that occurred. I faxed them over my bank statement which reflects that Ally is the reason I received an overdraft fee. 


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Ally is horrible. I've had many cars and car loans. Ally is by far the worst. First off, nobody speaks English. How can you even expect to have a conversation with a rep? It gets you nowhere fast and makes matters worse. Second, their late fees are ridiculous, triple the average, and probably should be illegal. Once this loan is paid off, I will certainly never finance through them again. I do not recommend Ally... at all.


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Talk about the worst customer service I’ve ever had, EVER! Asked for a lien release letter and days later still nothing. Good luck getting someone on the phone. Let alone someone that can actually help you out. DON’T WASTE MONEY OR TIME WITH ALLY BANK.


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This is a company that you want nothing to do with. Just like all the other reviews, there is nothing good to say at all. We contacted Ally to find out the quickest way to pay off the loan and get a lien release. We followed their instructions after being told all different things by different reps. This is along with being put on hold over and over again. We paid the extra money for certified funds and extra money to overnight the payment. This is following a supervisors instructions. She then informed us that 48 hours after the check is received that we would have access to the lien release. 


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I paid off my vehicle on June 20, 2018 and sent Ally a cashiers check via FEDERAL EXPRESS. They cashed my check and have never sent me my verification letter of the loan being paid off to take it to DMV to collect the title/pink slip. Every time I call I get a person that does not speak English in the Philippines. They read from a script and put you on hold every 2 minutes for a minimum of 10 minutes. THIS IS THE WORST COMPANY EVER!!! STAY AWAY FROM ALLY BANK. They are crooks! They hound you for your money but take their time in releasing anything they owe you.


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WOW. It can't be worse than this. I tried to open a bank account with Ally, and it ended up a real horrible experience. They asked me a DL, SSN card, utility bill, and I sent them except SSN card-I explained them I mind sending it thru online. Then fraud dep. called me asking a utility bill. I said I sent it, but somehow she (Regina, what a stubborn!) kept asking me another bill. I live on all bill paid apt. so that cable bill was the only utility bill. But she seemed to be very stubborn. I still can't understand why DL can't prove my address and the utility bill either. Just she's being an idiot? No other bank required me other than DL. So I wanted to close the account. The person I talked said 'we will close it on Mon and we will mail a check'. NOTHING HAPPENED.


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First I will address why you do NOT EVER, as in NEVER EVER want to use ALLY FINANCIAL as your automobile financial institution and perhaps take any other means of transportation, even if it means you're walking to your daughter's wedding... Everything you have read in the reviews before reading mine is 100% accurate about this... and I use the term in the most loose definition... business!


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I purchased a vehicle on August 5, 2015 and financed with Ally. August 28, 2015 Ally began harassing me saying that I missed my first payment. I stated via the paperwork that I signed that my first wasn't due until September 5, 2015. Ally charged me a late fee. They refused to remove the late fee and said that my payments will now be due on the 27th of each month instead of the 5th. Each month Ally charged me a late fee and harassed me via phone at least 10 times per day. On December 23, 2015, Ally sent a tow truck to my residence to get the vehicle because according to them, I was not behind on my vehicle payments but I had late fee payments that totaled $162. Ally said that the only way they would accept the late fee payments is if I paid the late fees in addition to two future car payments. 


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I had purchased a car using Ally due to a plummet in my credit score. They were the only financial institution that would give me a loan. I had lost my job for close to a year and was just getting slowly back on my feet when I found myself with a totalled vehicle and the absolute necessity to quickly find another (accident wasn't my fault, in fact, I was sitting in a restaurant with my husband, daughter and in-laws when a waitress told me someone had creamed my car in their parking lot). So Ally gave me a chance. After being forced to sell my home or have it repossessed, going through my husband losing his job, our daughter having sudden sporadic seizures and myself having medical issues that required time off work and additional medical bills, I was late from time to time. I received letters saying how much I owed in late fees but never the actual total owed. 


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Well needless to I had my vehicle repoed by them. Nobody really speaks plain English and it hard to understand them. After paying an additional fee to send them money and it's a pain. They took the vehicle out of my state to an auction place. The people who grabbed the vehicle are trying to charge $75 storage for my personal effects. When you call they put you on hold for 3-5 minutes which is always more... Trying to get my vehicle not counting the 4 calls I made yesterday... I have made 8 calls now to them only to get a runaround. Whatever you do do not use these people. Even if you call for a simple question like what is my payoff it is painful. They make you wish you hadn't gotten the loan through them. All I can say is avoid them at all costs.


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Okay, I have 10 days after my car note due date to pay my car note. They are reporting to the credit agency after 5 days. I have always had this problem and I cannot wait to pay this car off. This company likes to keep your credit score low so you cannot trade your car, truck, etc... This is something that I have been dealing with for 4 years and I only have 1 year to go and I will never uses this company again.


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I absolutely can’t recommend this bank to anyone. Their dealer services are the only ones that can give you a pay off amount. Dealer services closes at 6:30 Eastern time. Which means their hours aren’t remotely similar to the times an actual dealership is open. And nevermind the fact that there are other time zones than Eastern time. Additionally, they have a convoluted pay off system. Most banks have one amount. Not Ally. You get your buyout amount as the consumer, but your dealership pay off amount can be totally different. But again, you better hope you can get to the dealership during the times that are convenient for Ally Financial dealership department. The whole process is absolutely absurd.


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I originally got my vehicle financed through this company. My experience with these people have been very very stressful since I had to COMPLETE a BANKRUPTCY due to medical reasons and everything that followed!!! Cannot make a payment without the runaround!!! People working the post bankruptcy part are total **, cannot comment on what I think!!! But you could take a GUESS!!! I loved working with at first but like a marriage that is not working it all fell in the cesspool!!! IF YOU HAVE OTHER MEANS, PLEASE USE THEM!!!


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I purchased a vehicle from Carmax in PA, Ally was the financial lien holder the car was grossly overpriced and living in the North I made the mistake of purchasing a 2 wheel drive vehicle instead of all wheel drive. After having 3 close calls with the vehicle while driving in inclement weather with my children. I started to research if I can trade in the car and purchase a safer vehicle. I took the vehicle to the dealer and asked them to work with Ally to get me approved to trade in and when I got there the car was top down at 10000, I had already made significant payments for 2 1/2 years on the vehicle at almost 900 a month. Ally refused financing me on the trade in. 


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I've been working for 3 days as of this post simply trying to get these jokers to understand that I've changed insurance companies. The cut and paste responses are insane, unuseful, and just stupid. They repeat they need a policy. Well, the new insurance company has already sent it to them, and sent me a proof email. Ally thinks everyone has FAX MACHINES... wtf ** ? It's not 1990. It's 20**18, get a life, get with the times, use email. I'll never go back, I've used these guys for 3 vehicles, and this is the last. I think I'm going to the bank and paying off tonight, and I'll just go from there. This is ignorant. Nothing like being punished for doing the right thing.


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I do not recommend Ally Auto to anyone. I paid my car off over two months ago and still have not received the title. It was sent to the wrong address the first time and returned back to them so I called almost a month ago and was told they would send it to my correct address. I was told it would take 7-10 business days, a month has gone by and I STILL did not receive it. I called the customer service number and turns out THEY NEVER RESENT IT and had no apology, explanation, anything for it! I am SO infuriated. They put me on a 10 minute hold and came back and told me they were still trying to contact the title company and said they were putting me on hold again. I replied, "No, I don't have another 10 minutes to wait. Could someone just call me?" And they said, "No"?!?! 


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When turning the car in stood at dealer for 13 days before they inspected the car. Initially they said I owe $574 for wear and tear and added time on lease. Went to dealer 3 times to turn it in and would not accept it due to some system code from Ally. Spoke to someone last week. Said they will take the access days off. Aso gave me reference # but when they looked it up they said it wasn't in the system. Looking at the inspection pictures can't see no damage to the car. Car was turned in with 21000 miles a lot less than what it should. Just beware. Be very careful. Never ever again I will deal with Ally again in my lifetime.


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Potential fraud From Ally to hide vehicle condition - I leased a Ram 1500 from a dealership in Michigan in February 2017. The truck was leased with Ally Financial. I have leased vehicles before with different companies and never had any problems. I’m learning the hard way with Ally. First let me say that their customer service is non existent and the only reason why they bother talking TO you, not WITH you, is because they know you will have to pay them somehow.


