Ally Financial

"​After updating my address, Ally refused to send me a replacement debit card. Every time I call, I am told someone from their fraud or verification team will contact me within 48 hours. They never call. When I follow up, customer service just resets the clock and puts me back into another 48-hour waiting loop. ​The most ridiculous part is that they claim they "cannot verify my identity," even though their automated system instantly recognizes the exact same phone number I used to open the account a decade ago. ​Right now, they have my money completely locked up, and I have zero access to my funds. When I finally demanded to speak to a manager to get this resolved, I was basically given the middle finger and no actual help. ​As soon as I can jump through whatever arbitrary hoops they've set up to get access to my own money, I am closing this account immediately. Avoid this bank. Their customer service and security protocols are completely broken."

"This is the worst financing company I have dealt with ever. After 4 months of trying to get a lien release that the DMV will accept, multiple phone calls, multiple promises of it being corrected each time, to find out now that only the new financing bank for my vehicle can request a release so I can change my title. What a joke!"

"I only use Ally as a savings account. With that, I have no issues. No problems with transfers."

"Ally Bank provides IRA form 5498 (for RMD’s) for IRA savings and/or CDs showing a year end account value which differs (higher) from the accounts year end statement. An account owner cannot therefore make an early RMD using the accounts year end statement balance. This differs from every other bank or credit union whose form 5498 values match the year end statements…"

"Mailed (via certified mail)to the Ally address provided some important documents containing a lot of personal information almost 3 months ago. They claim they have not been found DESPITE me having the signature of the Ally employee that retrieved them from THEIR DEDICATED PO Box @ the Post Office in Ambler PA. Ally also has a copy of that employees signature! Should then be an easy find, right? HA! Nope. I've called Customer Service & their Fraud Hotline (it's actually also just Customer Service & nothing related to fraud) multiple times, speaking to multiple different customer representatives, for over 2 months, including asking for a Supervisor & am always made to feel as though I'm over reacting & becoming a pest. It's beyond shocking a bank has such a lackluster security system & blatant disregard for their customer's PERSONAL INFORMATION AND OVERALL CUSTOMER SATISFACTION!!! As of yesterday I'm for the 4th time waiting for a return call, always promised "in 7-10 business days", from their "backroom" that I now know will NOT happen & I'll be once again calling them in 11 days to check if my documents have FINALLY been discovered. That call then entails another hour or more spent waiting on hold, explaining my issue to yet another rude, unprofessional rep & getting absolutely NO WHERE WHILE GETTING MORE & MORE FRUSTRATED! I'm very concerned about potential identity theft & Ally Bank shockingly could not care less! WORST BANK EVER!!!"

"Big mistake. Worst customer service I've ever experience and it sucks when it has to do with money. Same issues as many other people when it comes to the auto loan and will refinance to not have to deal with the again."

"I contacted ally ahead of my scheduled payment and told them I would be sending in a check to cover 4 months. They told me where to send it and on the date that I usually pay my note they tried it and was unsuccessful when they received the check I received a call and was told that it was in their possession I spoke with a lady named Wanda and I thought everything was ok until I started receiving calls saying that I am late on my payment once I told them that I already sent it in and received a call saying that they have it and where I was told to send it they said they do not have a processing place in that state I said that's where I was instructed to send it so they sent it somewhere else and in the mean time I kept receiving calls from them saying that my note is late and they got more aggressive each time my check finally got credited towards my account on the 26th of the month it was due ally told me I was in the wrong because I mailed the check to the wrong place ......but it was were I was told to send it."

"I'd open an account with Ally Bank for the high-heel savings and emergency money for stormy days. When I transfer money with Zell from other bank to Ally. It goes through in Seconds. But when im mechanic shop and the mechanic needs more money, I tried to pull out money to get my car fixed. Customer service says it'll take 3 to 4 business days. Ally is not reliable."

"Worst bank to deal with for a car loan. All service members on their 1-888 number are all from India. Cannot understand them. They do not write down the correct information that I gave them. Then tried to argue with me about my personal situation. No help at all. Manager was supposed to call me back. Still holding my breath on that. Would give 0 stars. Looking to refinance and I suggest everyone else does also."

"Please do not choose Ally for an Auto Loan. We had them for a year and decided to refinance with our credit union for better rates. We requested a 10 day payoff for our loan and mailed them the check from our credit union. They took so long to process the check and kept charging us interest during the time. It ended up making the payoff short. And when we would call the customer service, who spoke poor English, would just repeat the same line over and over "I'm very sorry please allow 2-3 more business days to process the check" all the while they continue to charge daily interest."

"Horrible, horrible horrible experiences with this bank. CRSs are insolent - they seem to enjoy the power they have to block their customers from wiring money out of their bank by putting them through hours of endless "verification" steps. They have no respect for your time. They require customers to stay on hold for hours before they will agree to process your wire request."

"The WORST CUSTOMER SERVICE. My son and I called 3 different times speaking with Midge or something like that and Kyle when I paid my car off to remove my son from title. They assured me it would be removed. I get my title with my sons name and his old address on it. It was forwarded to my address. Spoke to Traylene, even though she said they had my mailing address why wasn’t it mailed here? She said there’s nothing they can do to go to DMV to remove my son. We called 3 different times. They need to hire people who can speak and understand English because some of them couldn’t. They sure got it right when I paid off my car. There’s was no mistakes made to collect the money. WORST Company and customer service I’ve ever experienced. I was supposed to leave a survey but Traylene disconnected so I couldn’t"

"I called to make arrangements to extend a payment after 5 plus years of paying ALLY on time. The man whom was from a foreign country I couldn't understand told me I would have to wait for a letter to come to mail back with a check for $229.00. Well, I waited for 5 days and sent the payment and letter back to Ally express mail which cost me $40.00 and they said it was late and that is why they went ahead and turned my late payment into the credit bureaus. Why he wouldn't just let me pay the $229.00 through their website payment portal I do not know. I will be reporting them to the BBB."

"I strongly advise consumers to thoroughly research before financing a vehicle or purchasing an extended warranty through Ally Financial’s auto division. My personal experience has been extremely disappointing from start to finish. I purchased a 2019 Audi A6 with only 12,000 miles and also purchased an extended warranty through Ally for added peace of mind. Unfortunately, when mechanical issues arose that should have been fully covered under the warranty, the process became unnecessarily difficult. The repair bill totaled approximately $8,300, but Ally attempted to negotiate the dealership’s labor rate over a difference of only a few dollars per hour. As a result, I was left responsible for paying the remaining balance out of pocket despite having warranty coverage. The final issue involved a broken key replacement, which was also supposed to be covered under my contract. I paid for the replacement myself and submitted the required documentation for reimbursement. After experiencing repeated delays and poor communication, I decided to cancel the warranty entirely. I was informed I would receive approximately $600 back from the cancellation in April, yet as of May 27, I still have not received the refund check. In my opinion, the extended warranty program creates the impression of financial protection, but in practice there always seems to be a loophole, delay, or dispute regarding what is actually covered. Several dealerships have even expressed frustration dealing with these contracts because of the constant negotiations over repair costs. What was most concerning to me was how difficult and exhausting the entire process became over relatively straightforward claims. Consumers purchase extended warranties for convenience and protection, not to battle over technicalities and reimbursement delays. Based on my experience, I would not recommend Ally Financial’s auto warranty services. Or any Ally bank products solely based on this experience."

"My experience with Ally's payoff process has been extremely frustrating. The payoff routing information online is unclear and appears to contain multiple addresses, but none clearly identified the correct mailing location for my payoff. I submitted a payoff check using the information available through my account, only to later learn that the address used was not the correct payoff address for my situation. As a result, the check was never processed and there was no notification explaining the issue. I spent several weeks and multiple phone calls trying to understand what happened and coordinate a resolution. During that time, interest continued accruing daily on the account. What made the experience worse was the customer service process. I received repeated calls from Ally regarding my account status, but despite notes supposedly being added, I often had to explain the entire situation again and again to a different representative each time. I was transferred repeatedly and sometimes received conflicting information from different people about the status of the payoff. The call center is offshore in India, where they can barely communicate in fluent English, they constantly interrupted and talked over me or felt like they plainly ignored everything I told them. (Pro Tip: You can request to be transferred to a US based call center) After reissuing the check to the corrected address, the payoff amount had increased due to per diem charges accumulated during the delay. The replacement payoff was then rejected because the amount was short by the accrued difference. I understand that payoff quotes expire and interest accrues. My frustration is that the delay originated from unclear payoff instructions and a breakdown in the payoff process, which resulted in additional costs, significant time spent resolving the issue, and a very frustrating customer experience."

"Absolutely terrible! My car was totaled 3 months ago I am still waiting for the gap insurance because NO ONE at Ally is doing their job! First my insurance was trying to get all the documents from them for an entire month with no luck, then they hit my credit for no payment. When I called them they said they didn’t know about the total loss! Unbelievable! Finally my insurance was able to get the documents from them after over a month and issue the payment. Then Ally total loss department called me that they needed a document from my insurance for the gap payment. I called my insurance and they said they had emailed them the document that very morning. Now 5 weeks later Ally is sending me email that they still need this document. When you call they send you to speak with some agent over in Asia who has no idea what is going on or they put you on hold for ever and disconnect the call at some point! Unbelievably unprofessional service! If I could I would give them 0 stars ! Stay away from Ally!"

"This company absolutely sucks I will be finding a different finance company or just let them get the car one of the 2 I will not be making another single payment through this company I’d rather walk to work then deal with them I’ve had issues since day one"

"I'm not sure where all the hate for this online bank comes from. I've been with them since 2008, and 90% of the time when I call, I get hooked up with a real human in the USA that speaks English. Some of the benefits have gotten worse over time (such as international compatibility and charges) but overall they get the job done and you can even open a stock brokerage account with them. Compatible with Zelle, have a few nifty financial tools, and none of the garbage fees that places like BOA charge."

"I contacted Ally Bank ahead of time when I realized I was struggling financially after a job change and pay decrease. I explained my situation, made the payment arrangement they gave me, and paid the exact amount I was instructed to pay. The only remaining requirement was submitting a form, and that form did not expire until today. Despite that, Ally still reported a missed payment to the credit bureaus before the deadline had even passed. A negative credit report can affect someone’s housing options, loan approvals, and financial stability for years. Reporting a customer as delinquent while they are actively communicating and complying with the agreed arrangement is incredibly disappointing. I did everything I was told to do on my end, and I feel completely blindsided by how this was handled."

"If I could give it ZERO stars I would for the following reasons: 1. Lease payments sent electronically did not clear for at least two weeks. 2. Had to fight with customer service even after I showed them I paid the lease off two months early before I turned it in. 3. After more than an hour dealing with this, the issue was resolved with NO apology, NO acknowledgment of the time and inconvenience spent trying to rectify this problem. I will NEVER bank with nor recommend anyone bank with Ally again."