Ally Financial
Reviews and Complaints

I made an extra payment online last month and they actually took the interest off of it! I called customer service and after being hung up on after the first call was told that when I want to make an extra payment I have to call and let them know! This means I have to call, type in my acct number, sit there for who knows how long waiting for someone to answer, then give the representative the acct. number that I just typed in plus my name, WHOLE address, phone number, and last 4 of my social. All just to tell them that I made an EXTRA payment online so I wont be charged interest on it. I asked why they didn't just include that as an option online and was told to leave a message with the survey after she got off the line. I waited 10 min listening to the music and then was hung up on AGAIN!

I had nearly $16, 000 in a Money Market at Ally, yet they bounced a $950 check! When I called to complain, it took them 10 minutes to even locate the check (at first they said there was no record of it). Then they put me on hold for another 10 minutes and came back on to say they had no idea why that had happened. And that they would call me back. That was 3 or 4 days ago and they have not called. I have also sent 2 secure emails (using their site). They have not responded to those either. Stay away. The little bit of extra interest that they pay is NOT worth the hassle.

From my letter to Ally Bank: If anything goes wrong, beware!
OK. When I called in to check on something yesterday, I got my social wrong. Shoot me. I’m old. So, my account was totally blocked and I was told that “someone” would call me within 48 hours. 48 hours? Is that a joke. There was “nothing” that could be done by the phone people. “Someone” would call me in a day or two. Nearly 24 hours after all of this, a Cathy from loss prevention called. I went through the song and dance with her and was told I was unblocked. Everything was operational. No qualifications. Fine. I then try to sign on and I am told I am blocked. So, I call in again. The phone person consulted with other people and told me it can 24 hours for the system to update. 24 hours? I then get put through to someone called Jerry who tried to sort this out. Nope, he says. I have to wait until your systems update at midnight before I get access to MY $20, 000. I reckon I have wasted an hour on the phone and on hold, not to mention the hassle of not having access to my money. You have inconvenience me no end.

The little bit of extra interest I get is not worth the inconvenience. Once I am unblocked I am going to close the account and bank locally. And add my comments to a growing stream of negative online comments about your bank. I have my local bank manager’s home phone and I won’t have to wait 48 hours for “someone” who supposedly there for me 24/7 to work through you disjointed and user unfriendly systems and technology.

I did marketing before I retired. You caring “message” is seriously at odds with your reality. And that will, in time, impact your business base. Perhaps you should spend less money on advertising and more on your staffing level and technology. But then I suspect growth, not true customer service, is your mission. You already have too many customers and too few staff. I suspect your “bank” is a number of disjointed work centers and that your technology is seriously out of date. But, hey, you pay a little more interest.

Thanks for the memories. It’s been real.

Ally Auto took possession of my 201 Dodge Avenger in late January 2012 because of delinquent payment. I obtained the information to get my car back and came up with the amount to bring the payments current. I contacted the Company and worked out the details to get the car back, which I had to go to Denver, Colorado to pick it up after sending in the payments. When I arrived to pickup the car it was not ready to pickup even though I called ahead and told them I was on my way to ;pick it up. After many deliberations with the Ally representative they finally went and found the car and had me sign papers to release it from their lot.

There was this $36.00 payment they said that would wave that fee, I was not told what the $36.00 was for, only presumably it was for detailing the car, which they had not done. When I picked up the car they took pictures of it inside and out, however the car was filthy dirty on the outside and on the windshield and rear window.

There were some numbers painted on the windshield, needless to say the numbers on the window were where they were hindering my view for driving the 65 miles back to Fort Copllins, CO. It was about 15 miles down the road before I could find a gas station to try to get the numbers off the windshield. The numbers had to be literally scrapped off with a razor blade.

I am disputing the $36.00 charge for which I received a statement in the mail saying I had to pay it, when in fact they had told me they were waving that charge when I picked up the car. Ally kept calling an harassing us that we owed the money and wouldn’t tell us what it was for, my wife went ahead and paid it so they would stop harassing us over that payment. I am disputing that charge!

My handicapped brother purchased a car and had to deal with Ally Financing. From day 1 he tried to get them to pro-rate his payment date to the 4th of every month. Instead they set his payment date on the 20th of every month. He called and begged for them to pro-rate his payment and add the pro-rate amount to his next payment and make his payments fall on the 4th. That's when he gets his Disability Payments. They never attempted to help him in any way and he begged and pleaded for close to 4 years.
Because they never took the time to assist him in this simple matter they trashed his credit the entire time. Even though he made his payments when he could on the 4th. He was deemed late every month. now he is trying to get a buy-out loan and can't because they would not change his payment schedule from the 20th to the 4th. What kind of company does that!? This company! They are supposed to be understanding and try to assist when people have problems. My brother tried to get them to change his date and they just agreed but then ignored him and never changed it. Now he is struggling to try to find a company to finance his buy-out and can't. He has no money to put down and very soon he will have no vehicle. This company should have been dissolved when they needed public money to help them survive. Shame on them for not helping a handicapped man on a fixed income. His credit states he was late every month but paid on the 4th which always included a late fee. But they still refused to assist him but very willing and ready to trash him. Shame, shame on them!

I have an IRA with Ally. Since the beginning of April I have been trying to get it transferred to another institution. Customer service at Ally has been extremely poor! Every time I call or email I get a different set of answers. I don't think that they want to transfer my IRA. I have finally gotten them to agree to send a "new" check since the last one never materialized, but I keep sending them the correct address and they keep verifying a different one. I am very frustrated with them and I would never recommend as a bank because if there is a problem NO ONE can help you.

BEWARE of "ALLY BANK" (originally GMAC BANK-went broke and cost the taxpayers money) They're a bunch of [censored]ES. I had a 5 year CD that was nearly $100, 000.00 and received an email today telling me "We closed your High Yield CD - 60 Month account ending in 6952. If you have any questions, please give us a call". I called them immediately and asked "WHY WAS MY ACCOUNT CLOSED WITHOUT ANY ADVANCE NOTIFICATION?" The idiot I spoke with knew from nothing. I "suspected" that it was my wife, that I'm in the process of divorcing because she's a thief. However, the CD had two more years to go at a high rate and I didn't think even she was THAT STUPID. I could have closed it at any time since I AM THE PRIMARY on the account, but I didn't think they would close an account and change the address at the same time with NO NOTIFICATION! In order for her to close the account she would have had to CHANGE THE ADDRESS FIRST, which I "thought" I had their electronic notification if ANYTHING was changed or there was ANY attempted withdrawals. The joke here is that when I call them, they want to ask me 100 questions that even I don't know the answer to, yet, they'll give my money to anyone...and tell me what they did AFTERWARDS.

The [censored] didn't even ASK ME if "the person" that called them on the phone was ACTUALLY the SECONDARY owner. For I (or they) knew, it was just a thief that stole someone's identity. They hadn't even sent the check yet and I asked them to FREEZE THE ACCOUNT. They REFUSED to do ANYTHING!

ALLY BANK is the WORST BANK I've ever dealt with. The only bank that even comes close in stupidity is Amtrust Bank (aka-Ohio Savings Bank and/or New York Community Bank) They're another bunch of thief losers that swindled my daughter and changed a mortgage commitment at closing and she was afraid to walk out because they told her she would lose her deposit. But that's another loser bank story.

Getting back to ALLY BANK, thanks to their extreme help, I closed a money market account that had nearly $100, 000.00, because my money just isn't safe with "ALLY BANK" So now they've got nothing...like me! I asked them WHO THEY'RE GOING TO SEND THE 1099 to...since "someone changed the address to steal the money". Naturally, they said that I'm the "primary" account holder and they will use MY Social Security number (there ought to be a law!). JUST TAKE MY ADVICE AND DON'T DEAL WITH "ALLY BANK"...even if they give you 10x the going interest rate, you'll NEVER SEE THE MONEY. It could just as easily be a thief, I still have NO CONFIRMATION or know what actually happened...and they could care less.

On Feb. 22, 2012, I went on-line to open a CD account at Ally Bank. After I filled in all the information I called them to make sure I had completed everything correctly and to ask how to arrange funding. I gave them the acct. number where the money was and the routing numbers. 3 days later nothing had happened. I called back and got firm with the rep and the next day they gave me a funding date and a comformation number. Today Mar. 2nd, the funding date, it still was not funded. When I called they continued to stall me. I used to be a bank branch manager so I know this is absolutely bad customer service! I closed my account and cancelled everything. My advice: Don't ever open an account with Ally Bank

If I could re-lease my car through another company, i would! For all those looking to lease or purchase a car from GM, find your own financing.

I started a lease with them January 16th. I made the initial payment ON TIME and they never took it from my account. I called three days after the payment was supposed to have come out of my checking account, and they sited a computer glitch. I demanded the $10 late fee be removed, and they said they could "just this one time". I was not my fault, and the CSR even told me that she saw the payment come out of my checking account, then go back in because of a computer glitch on their end. Sorry Precious (that was her "American" name...bad choice lady) but you suck.

Month 2: I try to make a payment online and i am told that I have to vehicle loans with them. If it wouldn't ruin my credit, then i just would not pay the loan, and print a copy of the webpage to prove to them that I have no vehicle loans with them.

Also, their hours are terrible. What large company has a customer service department that closes at 7 pm? really? really!?!

In March 2003 I purchased my first vehicle, a 2003 Chevy cavalier with 7 miles on it which was financed by Ally Auto Financing (GMAC). I made on time payments until the end of 2004 in which I lost my job and was unable to make full payments but proceeded to make partial payments which were excepted by GMAC.

In the summer of 2005 I was working at Supercuts when I noticed a man looking at my vehicle. Come to find out he was there to repo it. The cavalier was repoed in July of 2005.

In Jan of 2006 i was served a summons from GMAC. In turn I went to the district court house and filed a response to the summons which was accepted by GMAC and approved by the judge. (I filed indentcy) meaning I was unable to afford further attempts made by GMAC to collect any debt for the said vehicle. The cavalier got auctioned off and it got written off and charged off. I never heard anything further.

In 2009 i was employed by Kroger co. In Jan of 2010 I received a letter from GMAC stating they were going to start garnishments of 75% of all wages made by me and the total amount they are going to take after “interest” is $18, ?.

I’m paid weekly since such decision was made I feel as if I’m working for nothing, everything I make over $300 is taken by them leaving me with a take home balance of $270 to $290. I am a single mother with 2 kids and an apartment with all bills I am trying to keep up.

I find it difficult to care for my kids properly with less and less income coming in. In a sense it feels like double jeopardy. I feel as if they got their money for the vehicle and I should only be charged what is owed.

Take the commercials which use young children as pawns to a supposed adult trying to teach them a lesson in meaness !? It is a cruel and hurtful ( I am hurt each time I hear it as I race to my nearest "mute" button. These ads were on quite often as I recall, Then, they disappeared for awhile and are now back in force. Remove them, please. Children are cruel enough on their own without being given free lesson by some boob of an actor teaching them how it's done ! Thank you. T. Lawson NY 14450

Boy...what a mess this company is! First of all, I needed to fax some documents to their bank so I could get my vehicle registered in a different state. I faxed the paperwork on Monday and called Ally Thursday to verify if everything was sent off to the state. The girl on the phone had no idea what I was even talking about. She checked and showed nothing where my faxed was received. I explained to her that I had a fax verification that it went through successfully. Again, she got confused. I verified the fax number with her. After getting know where, I had to speak to someone who actually spoke and understood ENGLISH correctly! After that fiasco, I attempted to set up an account on their website so I could pay my auto payments online. To my surprise (sarcasm) their system was down. Called their IT section and they could not tell me why it wasn't working properly. So now I had to play a 15 dollar charge on top of my current car payment because of their web site foul up. I wish that when GMAC had to be bailed out by Congress, their customers should of had the choice of what bank to pick up the auto loan. The ALLY company is a mess. STAY AWAY!

Ally bank took TWO wire transfer withdrawals (a duplicate) from my Credit Union, when I only approved one. To make matters worse, this caused an OVERDRAFT and overdraft fee by my CU. And now it just so happens to be month end, when all automatic bill pay will be also debiting my account.

It is VERY unsettling that as of this time NEITHER of the transfers are showing up the ALLY site. So I guess I am just expected to TRUST they will be there on Monday, which will make for a very unsettled weekend. According to customer service it takes 3 days to show up. Having DOUBLE my money in limbo is creating much stress for me. On my ALLY accounts I only show the one *Pending* transfer. If I had initiated TWO, would there not be TWO pending transfers?

Also according to customer service it takes FIVE days to send the money back. FIVE WORKING days. That is totally unacceptable when it was their mistake, and as we all know wire transfer can be done in one DAY.

I opened this CD to test how ALLY would do and I guess I don’t have to tell you that ALLY FAILED is the outcome of that test. I had planned on making a much larger deposit, but now I am very thankful I did not, or I would be financially bankrupt when my monthly bills are due. When I think of the consequences of that I get very upset.

I am a former gmac customer and have never been charged for any additional wear and tear. When gmac switched over to ally by no choice of mine they have mailed me a final lease termination bill for the amount of $1221.56, which included $171.00 for a tiny little scratch, 59.70 for over mileage, 660.86 for 2 payments of $330.43, and $313.86 in lates fees which adds up to this amount. I have called Ally in regards to this bill and disputed the amount for the small scratch $171.00, and the late fees which add up to #313.86. A representive named Karen called me in response to my dispute and stated I owed over $1600.00 and she will settle the acount for $1400.00. First huge problem to address here is the final bill was $1221.56 in which I disputed the additional charges, and now I come to find out I owe over $300.00 more. I am very upset with the experiences I've had with this company. They are extremely unprofessional and disorganized, they are trying to rip me off and I will not tolerate it. My final bill should only be $660.86 plus overmileage for $59.70 which adds up to no more than $720.56. Please look into my complaint asap I appreciate your time and prompt response. Thank you.

BEWARE! Leased 2010 SILVERADO thru GMAC - now ALLY - Ally MAILED out incorrect registration information *rec'd by customer 5/9/2011. Stating 2010 SILVERADO registration expires 7/2011 and can no longer be driven after 7/2011, until registration renewed. THE TRUTH IS: The NJ REGISTRATION expires 4/2014! After calling ALLY Customer Service, you cannot speak to ANYONE in the leasing department. (1st call connected to the Phillippines, asked for Supervisor, was given supervisor in Phillipines. Asked to be transfered to USA. USA no different). ALLY took "VERBALLY" the Registration expiration date of 4/2014, they verbally told me the change made in their system! ALLY would NOT fax, email or mail confirmation of the month & year change from 7/2011 to 4/2014. ADVICE: DO NOT DO BUSINESS WITH A COMPANY WHO CANNOT and WILL NOT DOCUMENT (via email, fax or mail) ANY CHANGE TO YOUR DOCUMENTS **THIS INVOLVES YOUR HARD EARNED $$$$. Cannot imagine giving them money to invest in CD's offered by ALLY...YOU HAVE BEEN WARNED!

After Ally told me I was approved for a home loan, I went ahead and put earnest money down and paid for a home inspection for the home I was approved to make an offer on. These things cost me $2680 and after spending this money Ally changes their mind and tells me I am no longer approved for the home loan. I am now out the $2680 and I am reporting Ally to the Better Business Bureau and I am telling everyone I know not to try and do business with them! I just wish I had read all the other reviews from everyone on here who have been screwed out of money by them! Don't let yourself become another victim of Ally's fraudulent business practices!

I had an auto loan through Ally for a 2009 Chev. The truck was wrecked on 1-26-11 and declared a total loss by Shelter Insurance. Insurance got the payoff amount from Ally shortly after 2-11-11, however Ally would not fax, mail, return calls, or cooperate. The amount wasn't able to be paid off until 3-23-11. Then Ally billed me for $78.67 more. Insurance called them on 4-6-11 and Hera, an Ally employee, said that insurance had overpaid by $120.89 and that would be refunded to me, the customer. I called Ally to get that over-payment applied to the balance owing, and Ally had changed their story (two days later) on 4-8-11. They now deny the over-payment and will not answer any of my concerns nor will they let me speak to Hera again. The Ally employee, Hans, hung up on me after 65 minutes on the phone (mostly me on hold). I am filing this complaint because of Ally's dishonesty and failure to use their computers, employees, and information to resolve issues.

My son financed a car through GMAC/Ally about 7 months ago and I co-signed for him. On December 12, 2010 a drunk driver hit him and totaled the vehicle. The car was towed to a storage facility who notified Ally that it was there. We had State Farm requesting the vehicle be towed to a repair shop for visual inspection but when I called the storage yard I was informed that Ally had picked the car up. This was done without notification to myself or State Farm. The loan was always paid on time and never paid late but because Ally picked up the car they listed it as a repo on our credit report. Ally refuses to accept the pay off check from State Farm and each day the interest charges increase. It took over a month for Ally to give State Farm the payoff which only increased it as each day storage fees were being added. Im at a loss as to how this situation can be resolved without an attorney because I get no help from any Ally representative and have been told the repo will not be removed and the payment will not be accepted. I have been turned down for loans because of this and in April 2011 the balloon payment is due to be refinanced on my home. I could lose my home over this!

So recently Ally bought or acquired...or whatever GMAC. I was never notified of the change until one day while checking my email I was notified of an outage that occurred on the GMAC (then changed to Ally) website from a company called Ally. I originally thought it was a scam and then after research found out that they had in fact gone from GMAC to Ally. Nonetheless, everything went on pretty much like normal. Then today while reading my email I noticed a weird notice from Ally about my "payment confirmation". I knew I hadn't made a payment online since I am auto pay and that it would have certainly not happened today. After opening the email I discovered the payment confirmation was for a different customer who I didn't know at all. In the email was the customer's first and last name, the last 5 numbers of their account (with stars and dashes which indicate the length and numbering of the account), the date and amount paid and the payment confirmation. Now granted this information won't walk me straight through a log in page but with some social engineering I'm sure someone could have easily called with the confirmation, stated that they couldn't remember their account number but had the last four/five digits, and asked if they could read back the card they used to pay because they think they typed it incorrectly yadda yadda. So then I got concerned that if I received this email...who might have received mine? How many others are affected. It had been a full 11 hours since the email was sent out with no outreach by Ally regarding anything likes. So I thought...maybe I was the only one. I decided to call Ally to let them know of the issue in case it could affect others. I had to call 7 times before I got connected to someone. Every time I called it would tell me that customer service was too busy taking calls due to their "new website" and would hang up on me! It was ridiculous...here I had a security risk and I couldn't even get a hold of a customer service representative. I looked at their site...no online chat, no email contact, just snail mail. Crazy! Finally, on the final try I got into the customer service cue. I would have sat there all day if I had to to get this security concern addressed. When I finally got a hold of someone I was told that they were aware of the issue and "not to worry about it". I didn't feel comfortable at all with the discussion and was surprised that if they were aware of it they hadn't sent out an email letting customers know about the situation and what to do if they are concerned. I kept pushing the concern I had with the CR and finally she asked if I'd like to be called back when they have the issue resolved. I of course said certainly. At that point she called the whole phone call resolved and asked me to stay on the phone for a survey. I skipped out on taking the survey.

Maybe I'm overreacting but I take the transferring of information very seriously as I am a web administrator and developer. All it takes is a CR not following the strict procedures and a little social engineering to get someone access to your bank account with the information "accidentally" sent to me.