Ally Financial Avis 

I wish you can give negative review, not even worth one start !! Ridiculous financing company. Each department doesn’t even seem to communicate or work with the others. Customer service tells you one thing, but when you speak with the other department, they claim they have no idea why customer service provided you with that information.

They send you letters saying they’re working with your insurance company on your claim, but when you call, they tell you those are just automated letters and ask you to deal with your insurance company yourself and simply send them the check.

On top of all that, they put you on hold for over an hour just to get inconsistent answers and no real help. This was my first time using this company, and it will definitely be my last. Overall, a very frustrating and disappointing experience, including my experience with Lauren.

DONT USE THIS FINANCIAL SERVICE IS SCAM !!

**Extremely frustrating experience with Ally Auto Finance.**

I have been paying on my auto loan for years, including paying more than my regular payment for over three years. For approximately two years, I paid around $850 per month specifically to catch up on the account, which I understood was supposed to include addressing the late fees.

Despite making these higher payments, I am now being told that my regular payment of approximately $642 has an amount due of $1,432 — nearly $800 more. I have been unable to get a clear, itemized explanation of exactly what these additional charges are or why they continue to appear.

I am also trying to make a $2,500 additional payment toward my principal because my current payoff is only around $5,881. Instead of allowing me to clearly make and designate the payment toward principal, I was told I have to process it through the app and that it would have to be reallocated afterward.

What is most frustrating is the lack of transparency. I repeatedly asked for an explanation of the charges and how my payment would be allocated in writing, and Ally refused to provide one.

This is not my first issue with obtaining documentation. Last year, I had to repeatedly pursue Ally for copies of my own loan contract after a representative initially refused to send them to me. I ultimately had to threaten to escalate the matter before I received the documents.

I have been trying to pay this loan down and resolve the account, not avoid my responsibility. I simply want transparency, an accurate accounting of my payments and fees, and confirmation that my money is being applied correctly.

After years of making payments, I should not have to fight this hard to understand where my money is going.

I am now escalating this matter through the appropriate consumer-protection channels and requesting a complete three-year payment history, including how every payment was allocated between principal, interest, late fees, and other charges.

I've been with Ally a very long time and was a happy customer for years. Lately, they aren't as competitive on rates and calls to customer service are ridiculously long wait times. I made a wire transfer to another bank and Ally requires me to call in.. wait 20 minutes listening to music, then it transfers to dead silence.. after 10 minutes i give up and call back since I think I'm transferred to nowhere. Same experience again.

My money is moving somewhere else very very soon.

Had an auto loan with Ally. Paid it in full and they kept the lien on the vehicle for years instead of sending release letter.

Ally Financial is by far the worst finance company on the planet. Their payment processing absolutely sucks!!! They take two weeks to process payments and then when they finally do, my bank account ends up with a large overdraft fee. Their employees are very rude and when an arrangement is made, they don't note it in the system. AVOID THEM AT ALL COST!!!!!!!!!!

Used to be a great bank but now it is terrible. Interest rates are not competititive. Custoimer service is diabolical. The CSRs speak very poor English and are very unhelpful. Expect VERY long wait times whether it is for someone to answer the phone, escalate a call or even come on the online chat. Ally hates its cusotmers. They really don't want to help you at all.

This is quite sad. My elderly mother co-signed for her grandson. My grandson took his life 9/1/2026 and my mother is left with a 500+ car note. I called to see if there was some type of help or insurance or some type of program that gives a little MERCY for this awful situation. So here is where this establishment became callous. After inquiring for help for my mother; and explaining the death and all. They take all this information and begin asking me questions about myself and the account. We stayed in the phone for quite some time and I was asked for my personal address and phone number and also the death certificate . I’m thinking we would get some type of resolution with all this stuff. So at the very end of the call I just stopped and asked him if he had anything that helps or not and he said no. Why would he keep me on the phone getting all this info and then zero help? Good grief. So insensitive.

If there were a zero-star option, I would give it and leave the worst possible review; it is the worst bank in the United States. Do not get any loans there—it is terrible.

At one time, Ally had an excellent customer service department. Unfortunately, that time has passed. It is apparent that Ally now outsources their customer service representatives. In trying to solve a problem, the representatives become confused if I vary off the script that they follow. I have moved several accounts away from Ally and will probably move other CDs when their renewal dates occur. Outsourcing customer service does not save organizations money if their customers become frustrated and move their business elsewhere.

I've been an Ally customer for a while and initially loved the idea of spending "buckets" - allocate money for rent, groceries, etc. and stay organized without a spreadsheet. In practice it's the opposite. Even when a bucket holds the exact amount of a specific bill, Ally still pulls from other buckets or unbucketed funds instead of using the one I designated, and there's no way to lock a bucket to only its intended charge. I end up manually rebalancing constantly, which defeats the point.

Today (September 1) made it worse: I couldn't log in online or in the app, and a phone rep couldn't even find my account, with no timeline given - on the exact day my mortgage and child support payments are due. My deposits are FDIC insured, so the money itself is safe, but an online-only bank is only as good as its uptime, and today it failed at the one job it has. I'm moving my accounts elsewhere.

Avoid Ally for auto loans. They have issues with their online banking and processing payments. They are not helpful on resolutions and just put you on hold multiple times and transfer you to other people that put you on hold multiple times to just end up where you started, with absolutely nothing solved. Not a good banking company and definitely not trustworthy with handling your money.

I AM DISAPPOINTMENT WITH ALLY FINANCIAL. MY CAR WAS TOTALED 4 MONTHS AGO, TOOK 3 MONTHS FOR THEM TO GET ON BOARD WITH THE DOCUMENTS I NEEDED TO VERIFY MY GAP CLAIM. MY PAYOUT AMOUNT WAS 2,290 AFTER MY INSURANCE MADE THEIR PAYMENT, ALLY RECIEVED A PAYMENT FROM MY GAP CLAIM FOR AROUND 2,700, ALLY INFORMED MYSELF THAT I'D HAVE TO WAIT 60 DAYS TO RECIEVE MY OVERPAYMENT ON A VEHICLE THAT'S ALL READY BEEN CLEARED AND COMPLETED 100 PERCENT PATOFF. VERY DISAPPOINTMENT WITH ALLY AND WOULD NEVER EVER GO THROUGH THIS LENDER EVER AGAIN! STAFF WAS RUDE AND HARD TO UNDERSTAND, COMMUNICATION SUCKS, DO BETTER ALLY FINANCIAL!!!!!!!!!!!

I was told by a Ford dealership that the dealership would do a soft pull on my credit to see what my score was in case I co-signed for my girlfriend. Not only did Ford do a hard pull, this Ally Financial did a hard pull as well! I didn't attempt to apply for any auto loan, and I don't know how this bank got involved. Just out of the blue they did a hard pull on my credit. I tried to dispute it through the credit bureaus, but it was denied. I even went researching who this Ally Financial was, and their own website says they soft-pull for any pre-approvals (which I didn't even do in the first place!). I would never trust this bank!

Horrible customer service. I spent several hours trying to open a savings account. When it didn't work, I called and spoke with a foreign person who was hard to understand and unable to offer any assistance. I finally found an email address for Ally Bank and sent an email request for help. No one ever replied. I ran from Ally bank. The next day, I opened an account with American Express that paid the same dividend and took 30 minutes to set up. My advice? STAY AWAY FROM ALLY BANK.
8/26/2026 - Update: 1 MONTH LATER I received a reply from them saying they did nothing wrong and indicating that they had no interest in customer service.

Extremely frustrating experience with Ally Auto. I’ve repeatedly tried to pay extra on my car loan, but instead of applying the additional money as intended, Ally keeps reallocating it toward future payments. I even scheduled an additional $500 payment to be made immediately, and they pushed it out to the following month.

It should not be this difficult to PAY EXTRA on a loan. The payment system is confusing, and getting this resolved has been incredibly frustrating. This has been an unbelievable awful experience and every-time I contact them about it, they give me different answers. Wild! Don’t recommend Ally Auto.

This is for the auto leasing department - customers are treated as fools and idiots. Customer Service reps will not hesitate to place the caller on hold for over 25 minutes, and finally, when they realize the customer is not giving up, the supervisor answers and has the audacity to tell the customer to drink water and calm down, WHEN THEIR OWN rep was the one who created the situation, not the customer. It appears Ally Auto Finance sees customers as idiots with low IQs and EQs, and a sick customer on that. Customers don't call to waste time, or just because they feel like calling. Contacting customer service of any business has become the worst nightmare of every customer. Returned the leased car with 8,500 fewer miles, and Ally is still so cheap as to charge me the disposition fee. In that case, Ally needs to refund the customer for the 8,500 miles. Since the customer has paid for it but did not use it. I believe that is fair.

Do not finance your auto loan through this untrustworthy, fraudulent company. When I refinanced my loan through another bank (at half the interest rate), Ally did everything in their power to refuse the payment and never alerted me. Then they started calling me to say that my payment was late. Clearly, they were obfuscating the matter to avoid my departure. Fortunately, my reputable bank was able to sort out the mess that Ally created. I seriously urge everyone to avoid Ally Financial like the plague. It teeters on the edge of criminal activity.

I really wish I would've looked at this page before I opened an account. Can't say I'm surprised at their one star rating, honestly if there was a lower rating or no stars I would've went with that. Day two of my account being open and I spent over two hrs on the phone with this Busch league finance fly by night gang of gypsies, no offense to any gypsies. Day two and they've suspended my zelle already after one attempt at sending money. Guess it's unreasonable to send money to a friend so he can send it back some other way so I can access it, ya know, since basic ass ally doesn't even have virtual cards. So I linked my account directly to a few apps, Uber worked once and now these ass clowns won't allow any transaction to fly. Did I mention they suspended my access to my account three times by this second day? Awful awful stupid company please please please stay away from these idiots. I wish I would've stayed with frost...and they're horrible

I've been using Ally since 2012 and have never had a single issue. The times I've had my debit card number taken and used, I was able to clear up the problem quickly and painlessly and get a replacement card right away. I plan to stick with them unless something changes.