Ally Financial
reviews and complaints

I successfully paid my car lien in its entirety by November, 2021. Ally Auto has been contacted by phone numerous times, and claimed to have sent the lien release multiple times, when in fact they had not. They also indicated that we would have to request the title from the Michigan Secretary of State, which we did, and SOS representatives stated that the lien was still listed in Ally's name, even though we had paid it off two years ago. Ally now claims that they sent it, will send it again, but have not done so. After completing the payments in 2021, Ally erased all of our account information from the site, so that we cannot even view past transactions documenting our completed payments.

We signed for a new car, and are trading in the car we paid off through Ally, and cannot get the car until the title is released. We are considering filing a lawsuit for slander of title against Ally.

Very recently, March 22nd, I got a loan of $19,387 for home window replacements by Renewal Anderson. My brother put a down payment of around $1000 for the account, bringing it to $18,091.72.

As of today, April 13th, I still have not been able to create my account. I have been trying to enroll, but my information does not exist. The packet was mailed to my house with the loan information (including the loan number and my name). When I called the number provided, all I got was automated voice lines, but I can't go anywhere with this because my information does not match what is in the system. Multiple attempts to get in have led to my account being locked as of April 13th. However, I cannot get in because my information is not in your system.

I cannot talk to a human on the phone because your automated system has stonewalled me. The only email address available is for a provider, not the loan holder. I can not get in touch with a human, which is very important so this problem can be resolved in a timely manner.

(Attached is a screen shot of the message showing me locked out.)

On March 3, 2023 I called to ask to order checks. This female rep had a difficult time understanding that the last time I ordered checks they imprinted my home address and I wanted my P. O. Box imprinted which required a call to Ally. After about one half hour this rep said she had placed the order and it should arrive in 7-10 business days. She was also rude and when I asked to speak to a Supervisor she did not comply. After waiting and having no checks arrive I called customer service again on March 19, 2023. This male rep was pleasant and suggested I wait a few more days. I did and still no checks. When I called back on March 23, 2023 this male rep took over fifty minutes to purportedly take care of the check order. When I pointed out I thought this was an excessive amount of time to deal with the issue and asked to speak to a supervisor ( who do not seem to exist ) I was mysteriously disconnected. Ally I am a good customer and I do not expect such poor customer service. Reps by first name and contact order: Christine, Ron and Devon.

I file a 1099a 1099c for full payment of my car I got. And I been asking for months for about the 5000.00 down payment which is illegal and they said ford motor company has it and so on. They sent some one one my property to illegal repossess the vehicle after verbal tape phone call me tell them the process. I'm going to lose my job behind this I submit a complaint with a complaint with CFPB And the IRS and I'm filing a Federal complaint as well.

The customer it's really bad!

I made a payment and a week later I received a text that I did not make my payment.

I called and was told that I need it to call next day because they did not have any supervisor.

I call the next day spoke with 5 different Customer representative and no one will transfer me to a supervisor.

Also at the end I was not allow to do the service.

Still with the problem with no resolution.

I had called about my account [protected] and was transferred to speak with 4 different representative and none was able to assist me. Mind me at the initial of the called I had asked for a supervisor to get my issue resolved because I knew none of the agents couldn't solved my problem. However my wish was not granted instead I was transferred to another dept. And after explaining my reason for calling I kept getting the run a run and being transferred. My last agent was my final straw his name was Leo I sure hope he get a suspension because his behaviour allowed to speak out of character. He was very rude and disrespectful he doesn't need to be working at Ally as a customer service rep because he doesn't know what customer service means. He refused to do what I had asked after I explained to him what the situation was and started to go on top of his voice and treathen to hanged up on me. And he sure did. All I wanted was to get my voluntary repossession revoked so I had asked if he cannot assist ti get me a supervisor because I was tired of being transferred and that was what he wanted to do again. I had told him that my issue with my unit that had caused me to be behind on my payments is in the process of being resolved and I am pretty sure Ally superiors CEO would love that as well ti not to proceed in any repossession but to continue getting their mi ey.

After calling several times today on my breaks and lunch with no success. I called back at 1:33PM and spoke to a male and explained why I was calling which was because I had dialed [protected] to get info regarding the western union payment, I made of $600 on 02/05/2023. when I called the 1-800 and I am prompted to enter an extension # which I do not have because I was not given one. I advised the rep of this and that I had already called Allys regular # at -[protected] and spoke to a rep and explained the same thing and he had put me on hold to check with that department if my payment was received but the call was hung up while I was waiting. It seemed like the rep. didn't like that I explained what was going my situation while he was trying to verify my personal information and he asked me for a reference # and from there he just had this smug way about him he asked the amount of the payment I made and when I told him the amount he went on to ask if I was aware of the balance I owed and I responded with something along the lines of "yes I am and I didn't ask you about that I told you the reason I'm calling and I need you to help me with that. He then responded with well you don't have to have an attitude about it." After that I asked to speak to a supervisor and don't remember much of else of what was said after that because it enraged me that instead of answers and resolutions I am met with attitude and unprofessionalism. I do remember him laughing at me several times like especially when I told him I could act whatever way I wanted I am not at work he is and should be more professional. When I asked to speak to a supervisor, he said his supervisor was not available and that I could get a call back. I said no thank you I will just reach out on Ally's website.

Also in my experience whenever I have requested a call back from a supervisor I have never been called back.

I was required to take complete distribution from inherited IRA within time frame.

I called to confirm there would be no early withdrawal penalty and was given the tax department advisor's name, Evan, and the agent advised they would document and note the transaction to ensure no penalty would be charged.

Ally took extended time to make the distribution, and still:

1) Assessed an early withdrawal penalty,

2) Has not replied to (3) emails, and (2) telephone calls to request correction and,

3) Rejected the check they issued me and not responded to calls and emails requesting funds.

Last year I had a one month trip to Mexico planned and paid for. All I needed from ally is a travel release letter to let me bring the vehicle abroad. I called the customer service and went through the process. I never received the letter. Went through the process again. Never received the letter. I went through the process another 8 times (I am not exaggerating). Still I received nothing. It got the the point that I actually had to cancel my whole trip because they could not get me the letter. Since I was not able to go on the trip because of ally financial I planned the whole trip again for this year. And AGAIN I submitted my request. They said I have to do it again. I am not on the 3rd attempt at getting this letter with no luck. Every time I talk to customer service I get the same thing. Please resubmit. I don’t want to have to cancel a second trip because ally can not get me this letter. I pay on time every single month and the one time I ask for something from them it’s not able to be done. I don’t know anyone else who has had this much trouble with their financing company. I hope they will resolve this issue before my trip starts and I have to cancel the whole thing yet again. I have dozens of case numbers that failed to be resolved but here is the most recent one ([protected]).

I bought my car back in 2021 before I had my first child. We were very excited because we were getting back on track and expanding our family. We should have known this would have come back to bite us. We both got covid and basically ran out of money. We had been paying partial payments until I got my job. Then my husband lost his job.

ACH payments were never coming out on time, I switched banks because ALLY thought it was their fault. Not true after being assured numerous times the payment would come out on my paydays...it would take 3-5 days for it to be so, and by then the money would be gone...bills and all that.

I started sending in money orders because I was sick of it. It took a week to get there. At least I had records of it and didn't have to worry about whether it was coming out or not.

Finally, they told me about moneygram. Which sucks but it gets there asap.

Now I get a call from my sis in law saying ally financial called them to get my phone number. I never even put in her phone number to the system, so this was taken by nefarious means. I never gave them permission to call any of my family members.

I finally got a steady job and had been paying every paycheck (Half my paycheck) to get back on track. I tried to get a deferment or payment arrangement, but they only have set days they approve that. I asked about speaking to a boss or higher up...no such luck. There is no way to set up payment arrangements for pay periods. and to top it all off, I am missing their "window" for collections call by one day Think 10th, i get paid on 11th. and they have the audacity to say...Talk to your family and get them to give you money. This is such a crappy thing to say to someone trying to get back on track but getting knocked down by every single person in the company because I can't stand not being in the run around.

I have been paying 200 more a month on payments and cannot get a deferment because I got covid and my husband lost his job one month ago.

And call me a racist bigot but I would rather speak to a native english speaker to do ACH over the phone when it comes to paying an arm and a leg for a car.

My wife and I were recently scammed by someone through CashApp on a rental property that the scammers did not own. It was very unfortunate but we found another place to live and are doing fine. We sent a total amount of $1,580.00 to the scammers and I provided the valid supports to show this to Ally. I immediately contacted CashApp and Ally to dispute the transaction. CashApp was unable to recover the funds and advised me that I would need to contact my bank. When I called Ally on November 14th, I was advised by the representative on that day that I would be receiving my money back in 7-10 business days since I did not wire transfer the money and I submitted all my valid supports. I called back after the 10 business day period had passed for an update and another representative had advised me that the dispute was unsuccessful and I would be receiving something in the mail outlining the decision. When I brought up the fact that the other representative advised me that I would be receiving my money I was placed on hold for around 20 minutes. The representative Raijanique from location: CCJ came back on the line and advised me that they had looked at the prior call notes and reviewed it and agreed that the representative had advised me I would get my money back. They told me this was wrong and that I wouldn't be getting my money back any longer. I brought up the fact that for the last 10 business days, I was operating financially under the assumption that I would be getting my $1,580.00 back and that the false information the previous representative had advised me had led me to make financial choices that would be a detriment to myself now if I were not to receive the money back. She advised that there is nothing that could be done and they would 'coach' the representative as the information was wrong. Ally should be estopped by this false information that was given and I am politely requesting them to follow through on their promise of refunding me the $1580.

Hello.I purchased a car on 10/28/22 from Kayser Fird of Wisconsin.Ally is the lien holder . I live in Ky. I’m trying to get the title sent to my Local County clerk and faxed Ally the request from Jefferson County clerk here in Louisville Ky.I faxed the request on 11/21/22.I asked yesterday to check on the status and the Useless Ally phone representative said that Ally bank doesn’t have a title department!My temp plate is expired and have no way of know where my title is?Please advise .John Sica [protected]

I took my car to a dealership to turn in at lease end. I couldn't re lease so I bought a used car. The dealership called ALLY for a payoff, I repeat a PAYOFF amount, and proceeded to payoff my lease agreement with a purchase buyout.

ALLY insists I still owe $1447, and states the balance is for "late payments", when they received a PAY OFF payment from the dealership. Neither the dealership or myself can get anywhere with ALLY. No one speaks english and I call daily to try to resolve this issue as I should not owe anything when the dealership PAID OFF per the PAY OFF quote that Ally gave them!

Today 11/15/2022 at 12:36pm I received an email stating suspicious activity was detected on my account, I may not be able to log in, transfer money etc. I was unable to login initially. I was then able to log in and had an alert along with an over negative FOUR thousand dollar balance. I deposited a check (from my husband) on November 9th of $15,000, $300 of which was made available on November 10th. The remaining $14,700 was made available Monday 11/14. I paid some bills electronically, telephonically and wrote checks. I called 5 TIMES and got absolutely nowhere. I was continuously told someone would get back to me within 24-48 hours. UNACCEPTABLE! I'd like to know how everyone there would operate if there accounts were mistakenly frozen and payments made be returned? Is it acceptable to not be able to know what is going on? The last representative I spoke to (Angie) from fraud prevention said the $15,000 check was returned. That is impossible, my husband and I triple checked with CHASE and have proof that the money has been available this entire time. The banks actions are jam-packed with, slapdash, substandard, and inappropriate action taken without my consent or knowledge. As far as all my bills due today, that I can not pay and will incur late fee, who is paying for that? 4 CAPITAL ONE PAYMENTS DUE TODAY 1 AMERICAN EXPRESS PAYMENT DUE TODAY 1 USBANK PAYMENT DUE TODAY 1 MACYS PAYMENT DUE TODAY Who will pay the returned payment and check fees? Who will pay the 4-5 hours I spent trying to get to the bottom of the banks error? I have names for everyone I spoke with today and representative ID'S for the ones that complied with my request. I'd like a copy of the phone calls as well. Feel free to contact me at the number you have on file, which should have been done initially? [protected]

You log into Ally Bank and select savings/investment account to access your accounts. For the last week when you do this you get a page which has the following statement where the investment accounts should appear:

We can't show these accounts right now.

We're working to have things back up as soon as possible. Try again later.

You cannot check your portfolio or buy/sell any stocks, transfer cash from the account.

If you persevere and search ways to contact you can find a robot chat which will say it is connecting you to a customer service agent, Then it displays a paragraph indicating that the response time is over two hours if you try to call them.

I have not found any trace of on line reporting concerning this, but some indication that I am not the only one experiencing this problem.

I filed a complaint with FINRA which passed it to Ally to provide an explanation with a copy to them. I do not expect a prompt response.

I have had both checking and savings account with Ally for over 7 years. For the last year, I have been unable to sign in online and when I attempt to "change password" as they require, I am cut offline.

When I call the phone number finally discovered, the wait time each of the three times I have called exceeds 83 MINUTES. Clearly designed to not accept calls.

I have sent them registered letter requesting method to close both accounts with no response although it was received.

It seems to be a simple request that any federally sanctioned bank could easily comply with but to no avail

A remedy for this complaint is simple to close my two accounts and send a certified check to me for those funds.

My community was hit by Hurricane Ian on September 28, 2022. I faithfully made the payments on my car lease. When the insurance company ruled that the truck was a total loss as a result of being inundated by salt water, I still had a year's worth of payments to make, it had very little mileage, and upgrades had been done to it. According to the terms of their lease, Ally owns the car and is entitled to the full market value of it in the event that it is deemed a total loss. In my case, the truck was worth more than what we owed to Ally. Ally received the full payout from our insurance and has kept the proceeds due to the way the lease was worded. We would have been able to use the additional money to buy another car if Ally had waived their total loss provision and permitted us to pay the payoff sum, as in typical lease agreements. It was a natural catastrophe. I'm upset that a significant organization like Ally didn't do more to aid the catastrophe's victims. Like myself, many of them were left without a car and without the money to replace it. Many of us suffered the loss of our houses, vehicles, personal items, and even loved ones. When I reached out to Ally to ask if Ally offered any disaster relief for Hurricane Ian. Can we have the payoff amount of the truck. We were informed that this was my lease agreement, that I had signed it, and that I could get a lawyer if I wanted to discuss it.

I just want to say thank you Ally for your kindness to our community. I know that I am not the only one with a lease or a loan from your company.

Predatory Auto Loan overpayment refund

Ally fraudulently completed/funded auto loan in my name with intended borrower listed as Co-signatory on loan.

On discovery of above predatory lending and fraudulent activity, loan was paid off / closed.

Subsequent overpayment refund (two checks totaling $ 1013.85) were issued by Ally that listed Payee information in format that rendered checks unacceptable for deposit or cashing at accredited financial institutions.

I believe that this was an intentional and retaliatory action on the part of Ally for early pay-off and termination of loan.

I paid off my car in full 11/2018. The vehicle is now inoperable, and I am trying to sell it for parts (as of 10/1/2022). I recently learned from the DMV website, that there is a lien on the vehicle. I have contacted Ally Financial numerous times and due to the account being closed for 4 years, makes it much more difficult to speak to anyone that will actually help me! I am so unbelievably frustrated and so annoyed because I consistently get transferred to another person that won't help me or I'm told that the lien release will be faxed to me in 1-2 days or mailed to me in 7-10 business days, AFTER the 1-2 days of their "request."

I have YET to receive a fax or anything in the mail. I've been told "ma'am, don't worry about that, you will receive it next week" or "I will put this in as a high priority." There is no manager or anyone in the US that is capable of helping resolve this issue. I have also emailed over all of the information I have. I have documentation to show that I did in fact pay in full, so why the hell am I not receiving my lien release?! So angry!

I received an email on October 1, 2022 at 6:17am from Ally stating "Your vehicle payment was successful." Payment: received 9/30/22, with a Confirmation Number.

I received another email October 13, 2022 at 3:44am stating "Your vehicle payment scheduled 9/30/22 was returned"

Being on a budget, once I saw the payment was received, what was in the account then became disposable/savings.

Now I'm the hook for a missed payment affecting my credit, late fees, and a double payment at the end of October to make up for the mistake on Ally's part; I'm finding out 2 weeks after I thought the payment was made.

I don't know how I can receive the first email stating the payment was received WITH a Confirmation Number and not fully believe that my payment was made. Now I am the one being penalized for this bad business practice and Ally walks away with a little extra cash, a knock to my credit score, and no other consequences.