Ally Financial Avis 

I would like to give a negative rating. Worst customer experience I have ever had in my entire life. I tried to create an online account and it kept giving error message. When I called the number to sort this out, I was on the call for almost 1 & 1/2 hrs, transferred through 6-7 departments, giving all my information every single time only to find that they were going to again transfer the call to another department when I just hung up on them. No one in the customer service knew what they were doing. Horrible experience.

My experience with Ally Financial following the total loss of my vehicle has been absolutely atrocious. I can confidently say this is the most unhelpful financial company I have ever dealt with, and I will never do business with Ally again.

Having your vehicle totaled is already an incredibly stressful situation. You suddenly have no vehicle, you are dealing with your insurance company, and you are trying to resolve a loan or lease so you can move forward and replace your transportation. At a time when basic customer service and clear communication matter most, Ally has provided neither.

Every interaction has felt like an exercise in frustration. I have repeatedly reached representatives who are extremely difficult to communicate with, and cannot provide clear answers. My vehicle was totaled (NOT my fault). This isn't a routine billing question. Yet Ally's customer service process seems completely incapable of recognizing that there is an actual person on the other end of the phone whose life is on hold while they slowly work through their internal processes.

Companies reveal the quality of their customer service when something goes wrong, not when everything is running smoothly. Ally has made an already difficult situation significantly worse.

If you are considering financing or leasing a vehicle through Ally Financial, my experience should give you serious pause. I will never finance or lease another vehicle through Ally, regardless of the rate or deal being offered. No financial incentive would be worth dealing with this company again.

I made my payment on September 12. It’s due on the 18th. It’s still has not been deducted from my bank account. I called and asked why the agent stated not to worry it will be deducted. Today on the 20th September it still pending. I was 2 days late one time and was charged a late fee and paid it. You can’t make this up! It’s crazy to me.

8 out of 10 times when I try to pay my car note something is wrong with the website and I can't pay. I tried chatting with a bot and it said their chat was glitching too. Jeez, I just don't understand how a big company that deals with millions of dollars a day can have such a terrible junky website. It is an annoying headache almost every month, ridiculous. I know I'm not the only one, I've read tons of reviews saying the same thing. What's sad is that this has been going on for years and people are still complaining about the same thing. What kind of company allows this to go on for so long, knowing its irritating their customers (I mean there is a whole Reddit page about it), with no change? An unprofessional one, I guess.

I've been faithfully paying my car loan every single month for 2 years and not even close to half of the over $15,000 has gone toward the principal balance. The ONE TIME I was able to speak with someone was less than pleasant and the end result was the refusal to consider my payment history, FICO score, or anything else to lower the rate. Instead they offered to consider a second loan that may or may not have a lower rate. I do not and would not ever recommend Ally to anyone

TRASH! I WOULD NOT RECCOMEND THEM TO A DOG.

AFTER 7 YEARS OF HAVING A GOOD ACCOUNT WITH THIS BANK, I DISPUTED TWO FRAUD TRANSACTIONS LAST MONTH AND THE BANK DECIDED TO CLOSE MY ACCOUNT GIVING ME ONLY A DIGITAL NOTICE WHICH WAS NOT EMAILED TO ME... TO MY SURPRISE ONE DAY MY ACCOUNT/DEBIT CARD WAS CANCELLED WHILE I AM OVERSEAS.. I HAVE MONEY IN THIS ACCOUNT AND I AM EXPECTED TO HAVE A CHECK MAILED TO ME WITH THE REMAINING FUNDS AND TO ADD INSULT TO INJURY THEY WANT ME TO PAY FOR THE CHECK.

EACH PERSON I SPOKE TO ON THE PHONE WAS AS USELESS AS THE LAST PERSON AND MORE OVER THIS ENTIRE SITUATION THAT LET ME DOWN A PATH OF BEING IN A FRAUD DISPUTE WAS HANDLED WELL OVER 45 DAYS AGO.. 2 DEBIT CARDS AND 45 DAYS LATER MY ACCOUNTS ARE BEING CANCELLED AND I AM SUPPOSED TO JUST DEAL WITH IT.

ALLY IS MORE LIKE A ENEMEY.

Horrible customer service!!!This company is the same as when it was GMAC financial company . That is why they had to rebrand themselves in 2010. And rename as Ally Financial. Stay clear avoid if you dont have to get a loan thru them. And if you have one refince thru another lender. Trust me you will be thankful later

Customer service twice told me that my refund would be 7 to 10 business days after they received payment confirmation. Now they tell me that it will take more than 20 business days. so now I am without my money for 2 months. I asked where this was documented and they told me it was an internal process and that there was no way to request an expidite. Very poor customer service with lack of clearly informing me of their processes and wait time for refund. I will not do business with them again.

Ally Bank thinks they can completely blindside customers by shutting down all of your accounts with zero justification, zero cause, and zero warning. They hide behind their fine-print "discretionary closure" clauses in the deposit agreement like a shield so they never have to explain themselves or answer for the position it puts you in.
If you have open disputes or active time-bound products like Certificates of Deposit, they do not care about your money, your timeline, or the disruption they cause. When you call to demand answers, frontline agents and supervisors alike just parrot corporate non-answers and refuse to give a reason.
If you value stability and a bank that actually respects its customer contracts, stay far away from Ally. They will drop you on a whim and leave you scrambling to recover your own funds.

I received good service for all banking functions for numerous years but after loosing most of my money there to a scam, instead of helping me to recover my money they closed my accounts and put me through a slow painful process to get the rest of my money from them. Their fraud department is filled with untrained specialists who had me running all over town to ATMS that gave me small amounts per day wasting hours of time WHEN THEY COULD HAVE JUST SENT ME A CHECK. POOR CUSTOMER SERVICE TO THE Nth DEGREE

“Sorry” was all they could give me wheb because of their processes and procedures, they left me and my family without a way to buy food or pay bills for several days.

I sign up for Ally, then in order to order a debit card, I need to insert funds into the account.

So I do that, then I order the card. They say then that the card will take 10 days to get to me.

So I’m asking them how can I get money out today/now?

I can’t transfer it out, that takes 3 days, they won’t activate my debt card so I can add it to my digital wallet, I can’t get a same day wire because it’s past 3 and something about the weekend, and if I Zelle it to someone else, it will take 1-3 days.

I told them my kids don’t eat and my bills don’t get paid. Doesn’t matter.

Simple, good auto loan rates, easy to use app

Worst customer service. 50minutes on the phone
transferred to departments which took me back to the automated service. Worst will never ever use this company for anything. One star is to much. Jay was the worst.

Worse customer service in the world, seems like the agents helping over the phone do not speak English, you have to go through hoops and loops to get assistance, called several times during the week. I hate this bank !!!!!!!!!!!!!!!!!!!!!!!!!!!.

Ally charged me a higher interest rate. Higher than all other offers with someone with 850 credit score. This was done by Mark Mitsubishi car dealer. Secondly, the vehicle title was never released. I found this out after making first payment. I was only given 38$ back from a 250$ first payment by Ally bank. Never received vehicle and dealership paid Ally bank for a loan that should been able to be created.

Customer service is trash, they won’t listen to you and go forbid you’re in Armed Forces need help like other financial institutions would listen and accommodate us. They will laugh at you. They don’t care at all! I was deployed in the Middle East bad connection missed a payment. Reported it immediately, I called to explain they didn’t wanna listen. Even after showing them my orders, lord never again

They tried to get my ssi check and I am disabled and can't work!!!

I purchased my vehicle in November 2025 never received a copy of my title been calling for months about this and we are now in September 2026 and still calling to receive the copy. I will not use this place ever again.

I've been using them for years, but am stopping now due to dysfunctional customer service, and poor handling of bill pay checks. It's Ally's policy to deduct the funds for an issued bill pay check not at issuance, nor at cashing, but a random point in between. So you have to maniacally manage your bank balance to ensure it never dips below that value during the week+ timeframe which the checks are active.

In addition. the service is broadly poor, apparently outsourced, and responds broadly with boilerplate. I would steer clear.

They have a check payment a never posted the payment. It was confirmed the processing department had the check and would post it in 5 days. It still has not been do, but no one posted notes on the account. The customer service is the worst!!!