Ally Financial
reviews and complaints

I invested an index Option with a short call position and was get a Margin Call for 200% of the underlying equity value (not even consider the sticker price and my cash position have more than the value of the underlying equity, just not 200% of the value), I was told that they can ask whatever the margin they wanted (even 1000 times of value) without notified the customer and liquidating any positions they wish. I was asking them how they come with the number of the margin since it is the calculation different from the posted (https://www.ally.com/do-it-right/investing/short-call-strategies/) and they have refused the request and I do not have the right to receive the calculation and they can do whatever they wanted without notifying the customer. We only can feel sorry for this because I signed the margin-agreement. It does not matter what is they ask for the margin or liquidating the position

I had a scheduled payment on oct 30 2020 but needed to canceal.. Lack of funds so I called customer service and explained my situation and that I would be making a payment through the 3 party billing on oct 30 2020 and they told me that it was too late to stop the payment and I asked them not to take it out of my account so my bank charged me a 30 overdraft fee on 11/2/2020
Then ally came through again on 11/03/2020 and again I was hit with another 30.00 fee then again on 11/5/2020 til finally I asked my bank to do a stop payment which luckily they were able to do a one time courtesy. I have been trying to get in touch with someone at ally financial auto since nov 1 2020 have been back and forth, put on hold, disconnected. They asked me to fax over my bank statement which my bank did 3 times and they stated they never received.

my name is Robert:
I sent my information from my cheking account to my bank so that automatic payments can be made from my bank, they don't know nything about that, very bad service, they lost my information from my bank

I am on the phone daily with this company. I am unable to get anything resolved due to represent his supervisors and managers hanging up on me. I have asked for corporate assistance and have received done I've waited days for callbacks and just need a resolution. I made a payment it was applied to interest only to which the manager dawn at extension 527-2974 advise me their payment processing center is allowed to apply payments anyway they see fit. I made a payment offered to show bank confirmation even provided the confirmation number through the website and my bank to which I was told does their company no good I need to dispute it through my bank. This is all caused a 30 day late hit on my credit and over $100 in late fees. All I wanna do is pay this loan off and not deal with this company again. I need that 30 day hit removed from my credit so I can do this. Ally continues to tell me to dispute it through the bureau and if I had any faith in the company I would do it but I don't.

Called in on 10/8/20 at 335 pm csr jerry very rude hoping phones calls are recorded because this is one you can listen to and teach future csr's what not to say to a person on the line trying to figure out what is going on. And then asking for a supervisor is like pulling teeth with him. He just keeps arguing with you. Seriously get him off and retrain him.

I extended my auto lease on a monthly basis as allowed by Ally Financial due to the COVID-19 pandemic. I have always payments on time and made my last payment on July 22nd, which is the payment due date. I then turned in the car to the dealer on August 8, 2020, for which I received an Odometer statement. My account is now showing past due as of August 22nd. I have called their customer service but they said they are looking into it. First, they said they haven't received proof of return, I checked with the dealer and they said they had sent it. I also faxed them my copy of the Odometer statement. On August 20th they emailed me stating they had received the statement. I last called them on August 24th to correct the past due status on my account. Customer service stated they would take care of it but it is still showing past due. Eventually, this will be reported to the credit bureau and affect my credit negatively. Ally Financial is by far the worst auto leasing company I have dealt with in the past 20 years and will definitely not be using them in the future.

Good standing with the bank, almost 20 years, received notice that all my 3 accounts will be closed at no reason, no reps or supervisors provide the reason, have 10 days before bank will kick me out, I have essential deposits. I've tried to escalate my case, no one calls back. I truly believe there is an error, yet, no explanations besides "we can close your accounts at any time for any reason" but what reason? I asked how to save my accounts, the answer from Ally "decision has been made". Is it even legal to do such a thing?

Tried using ally e-deposit using a cell phone. Resolution not good enough. Trying using scanner resolution not good enough to try to get deposit slips & envelopes through ally bank on line four months later still not arrived. Called all bank ordered deposit slips and envelopes 2 months later not arrived and yes checked shipping address it was correct

Account # - [protected]
Since November 11, 2019 I have been trying to register my vehicle in Ohio. The original title was lost by Ally auto, and they have since failed to obtain and send the duplicate from Massachusetts DMV to Ohio's BMV. Every time I call I'm told that it will be a couple of weeks for the duplicate to be obtained and that the previous submitted paperwork was incorrect. How many times can the incorrect paper work be submitted over a four and a half month period? I have a vehicle sitting in my driveway that I cannot use. We will never do business with them again in the future and will counsel all of our friends/family/strangers to stay far, far away.

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 didnt get my car within 5 days i would be charged for them to make a key. I picked it up two days after repoe they tryed to charge me 162$ for a new key, its 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 repoe fees i went the next day and paid everything in full my account even shows a zero balance. A few days later i got a letter stating i owed 162$ and they are holding my title intill its pid but thats the reason they just repoed and i paid everything in full now there holding my title hostage intill i pay more which i already paid. Can anyone point me in the right direction to get help with this as i paid everything in full and refuse to pay anymore then i have to. I just want my title i been paying on it since 2013 and now enough is enough please help...

Margaret Sheets
ACTT# [protected]
[protected]
[protected]@gmail.com

I hope someone can help me!
I bought my daughter a Jeep Cherokee. It was financed through Ally.
I had no issue with Ally Auto, I made payments online for almost a year. No issues. On Jan 4, I went online to Ally.com to make my monthly payment. The system was down for maintenance, so I called Ally customer service, and was told that I could make a payment through Western Union Speed Pay and the $ 4.00 fee would be waived. Made my payment for $270.00, + 4.00, $274.00 cleared my bank on Jan. 7. No problem.
On Feb, 1 I went online to Ally.com to make a payment for $ 260.38, that is directly connected through my bank account, not a debit card.
Here is where my nightmare begins.
On Feb. 3 I had a payment amount of $ 270.00 removed from my bank account POS. Western Union Auto. I disputed transaction through my bank, caused my acct to be overdrawn had to cancel my card.
On Feb 4 the payment I had made online for $ 260.38 cleared my bank.
Went to the app and only the online payment showed on my account. Also the $ 274.00 Jan 5 payment. No $ 4.00 cerdit.

Called customer service, the first rep that I spoke to, who had an accent so thick I could not understand, the only payment that showed was the online payment.
Through several days of multiple phone calls of long hold times and demands to speak to a supervisor, I spoke to someone who told me to fax in my bank statement. In the meantime, I have attempted to call Western Union, again, people with heavy accents, no answers, long hold times.
I did send a fax on Feb 7 along with a 2 page fax cover sheet explaining situation. I was told I would be contacted.
In the meantime, I am also calling Western Union with long hold times and being told I called in Feb payment, which I had not it was unauthorized, I had made my payment online. I waited for some kind of response, none.
On Feb 13, I called Ally customer svc again, again massive hold times, demands for a supervisor, finally spoke to someone, whose name I never understood, who after I demanded a conference call with Western Union, was finally told there was a glitch with Western Union January payments for Ally customers had been duplicated, the situation was being escalated and I would be contacted within 72 hours, which I wasn't and still haven't. I let it go, and just waited.
Flash forward to Feb 28 when I went online to make my Feb payment for $ 265.19.I was unable to My account was past due $ 270.00.The $ 274.00 was now $270.0 with no 4.00 credit to y acct. The $270.00 payment made on Jan 5, had been charged back to my account. I now had a past due amount of $ 535.19 and not able to make my Feb payment.
Called customer service went immediately to collections, through long hold times, over 20 mins, a rep came to the phone and I demanded a supervisor, once again put on hold, held 10 min, hung up and called again. At this point I have been on the phone for almost an hour and a half.
Went through the whole thing again, put on hold, finally a man named Mark Lessor with a heavy accent came to the phone. Explained the situation, told m my card had been declined and get in touch with my bank. Demanded once again for a manager and pleaded not to be on hold. He put me on hold for about 10 mins again.
Finally a woman named Cherri came on the line, she could not explain what or how a payment made on Jan 5 that had cleared my bank was charged back to my acct on Feb 25. I demanded another conference call with Western Union spoke to some very rude woman whose name I never understood but she was Operator 195 and the situation of the payment was being reviewed and I would be contacted. When I tried to ask any questions, she would talk over me and repeat the same response. I gave up, hung up with Cherri. Very upset and dissatisfied with Ally Financial.
No one from Ally nor Western Union has contacted me.
have a 700 + credit rating and I now have a 30 + late day notice that I was told by your customer service dept that would be reported to the credit bureaus. How can a payment cleared by my bank on Jan 7 be charged back to my acct on Feb 25 ? No one knows or cares enough to help. Your customer service is beyond horrible, I assume I have been speaking to people in some foreign country, whom I have found few I can understand, can't help nor care to. Will not give me any phone # for someone who can. Since Friday, March 28, I have been under tremendous stress. I spent at total of 3 hours on the phone with your customer service. 1 and 1/2 hrs in the am while on my job. Called back at my lunch time and was on the phone more than 1 1/2 hours, the main time being on hold 10, 20 mins at a time. I have had no sleep as I said before i have a 700+ credit rating and have had no derogatory marks on my credit report in 10 years. I hope someone will read this and care enough to contact me with explanations and solutions.

Ally financial is the worst place to ever finance your car with. They will tell you that you don't have to make payments while doing a rewrite and still have it on your bill and continue to put repossession orders on your car after you been done made a payment on your car. They have the worst customer service ever with bad attitudes out this world. NEVER FINANCE WITH ALLY FINANCIAL!

Ally Financial contacted my neighbors, to whom I do not have a relationship with nor are on my account, to discuss my financial situation. I was told it is common practice to find associates to the borrower, however none of my neighbors are associates. My privacy was violated. Federal law protects consumers against unfair, abusive, and harassing debt collection activities. The law that governs debt collector actions is known as the Fair Dept Collection Practices Act or FDCPA. This law sets strict limitations for what debt collectors can and cannot do, including who they can contact as well as when, why, and how those communications occur. All of which were violated.

I tried to resolve my issue with collections to request an extension on a car that I've always had great payment history for the past 3 years until recent financial issues. I missed July on accident but didn't have the extra funds as usual to pay everything and missed august and September payments. In October I was prepared to start paying my monthly payments again. I didn't qualify for an extension due to no insurance. Again financial issues prevented that as well. After advice I was given with a payment on Oct 17th I called back on Oct 31st after I was able to get insurance and to complete the extension which would have stopped the repo order. Again after advice I took the same day i called back but was told the system was down and nothing could be done with my account. I was told I would receive a call back as soon as the system was back up and running but never did. This was to stop a repo which the very next day, today Nov 1st I called to start the process again to stop the repo and found out after I made another payment that it was repossessed. Now redemption and collections keep saying there is nothing they can do. A car I have been paying faithfully on for 3 yrs I will lose in 15 days if i cant pay the total due plus fees. Who can help in this situation? No one is trying to help me when I explained that I was expecting a refund at the end of November to pay past due balance plus extra to catch the payments ahead like I typically do. This is extremely frustrating and upsetting.

I had taken Auto loan from GMAC financial services in 2002 however the bank no longer is in existence. We need to get No Objection Certificate(NOC) to get the hypothecation of the car removed since the loan is repaid in full long ago in 60 installements(5 years). How can we deal with such issue as Regional Transfer Office in India insists on having NOC before removing hypothecation charge. Please assist in such cases.

Below provided are my mail details for further communication
[protected]@gmail.com

I called to ask if ally offers their customers to refinance and before I got the question out of my mouth the customer service person cut me off and was quite rude. He went on to tell me ally does not offer refinancing which is fine because I have other options and thought I would be easier to stay through them. The fact that he just cut me off and was super rude was not helpful!

I was going through divorce. The car was in my name but my ex still had the vehicle and was not making payments. The account fell behind. Ally Financial representatives began to call me up to 5 times a day. Eventually, family and friends told me they were receiving calls about the account - even people I'm not close to. I began to wonder how they were getting these associations. It turns out these people were going to my social media pages, looking for people I'd taken pictures with or interacted with on my pages and then tracking down their information.

Talk about an invasion of privacy on two accounts: mine and those whom they contacted about me.

I'm currently seeking legal council about this.

August 9 2019

I recently turned in my leased Mitsubishi Out lander 2016 at Universal Autogroup Mitsubishi (1125 Central Ave, Duarte CA.) dated September 20, 2019. I completed the paperwork. The person at the dealer looked and checked the car, and we both agreed that it was in good shape, spotless and freshly car washed. As I was observing The person checking inside of the car, its interior, its mileage and recorded it, he even checked the car body for scratch and dent and said that everything was good and told me to expect to be contacted by Ally Financial.
After 2 weeks, I received mail from Ally Financial for wear and tear damage charges and some missing item and I was expected to pay $365.08 total . I have reviewed the inspection online and to my surprise, my car looked totally different. It was dirty, missing the interior overhead console that created a hole on the interior of the roof of the car. Even the cargo package was stolen which I believed happened in their lot. Unbelievable. It is my first time to be having this kind of damaging and alarming experience. This kind of scam is alarming and scary.
As a customer, I feel vulnerable, especially since Ally Financial is not allowing for the inspection to be done in front of the owners. Doing the inspection offsite without the owners presence gives them access to engineer a damage report and bill their customer fraudulently. I have leased from other companies before and they allow you to be available during the final inspection.This kind of scam is unfair and unacceptable. How about our protection as customers? How about our Customers Right? I hope that you can help me on this matter. I am willing to cooperate on any investigation or any legal action against Ally Financial and Universal Mitsubishi for their connivance on this unscrupulous, deceitful and corrupt business practices, .

Mia

I am living overseas and I had to deposit my check via my brother. When I opened my account I made very clear that I lived overseas and that ALL of my ATM and purchases would mostly be made in Asia. I deposited over 15K into my account. I received an email that 200$ was available so I went to the ATM machine in China to withdrawn 142$. Later that day my account was locked and they requested that I email them a picture of my passport and social security card when I did. It has been over 2 business days and my account is still locked. They are treating me as if I'm the problem without keeping in mind I am the customer and it is my money. I have never had such bad customer service in my life. I average I stay on hold for over 1 hour. They are the worst service I've ever experienced with hands down.