Ally Financial Avis 

Worst customer service. I called them today about an extension on my car and I was still within 10 days and the lady near about laughed at me on my situation from a job loss. Please get your car loan with someone else.

I do not recommend Ally Bank.

My auto loan has been paid off, but I still cannot get the correct lien release. I have called multiple times, sent all the requested information, and each time I am told to wait another 7–10 business days. They even sent me incorrect documents, which delayed the process even more.

Because of this, I have been unable to complete my vehicle title paperwork. This has been extremely frustrating and has caused unnecessary stress.

This bank did the exact same thing to me. I asked to close my account, and they mailed me a check for the balance. I thought it was over, but I then received a letter saying they credited the money back into the account.
I called to transfer the funds to my other bank and close the account for good. They promised it was done that day. A week later, I called back only to be told the transfer is blocked due to "account restrictions." It's a never-ending loop. I just want my money released and this account closed permanently!

Do not ever use Ally Bank. I’ll spare you all the details of the run around they gave me and how they left me in the dark while they sent a 30k cashiers check of someone else’s money to my house. Making it look like I set up a scam and nearly getting me sued and arrested. All because I chose to go with a slightly less interest rate. Ally Bank almost ruined my life and then lied and tried to hide everything. This is the worst “bank” event that ever has happened to me and most likely ever will.

Straight trash. Was supposed to cancel my payment for the month of July and put it on the end of the loan. Thought everything was taken care of and they charged me anyways and put my bank account in the negative. God I wish id never went with these idiots.

Ally Bank—Was consolidating accounts and had to close an account with Ally Bank. Took 2 phone calls both being 20-30 minutes each to accomplish. Took way more time and effort than I ever would imagine. I’ll never deal with them again.

Dont bank with ally. They are just crooks acting like they are a bank. Do echeck deposit and app will show check okd. Also we're it says that. Will say 300.00 available next business day. And rest to be available 2nd business day. So far in 3 months that is a lie. And never find out money's not a available till use debit card and its declined then call and get lied too every time. So now in process of suing them. So do not bank with ally !!!!

⭐☆☆☆☆

My experience with Ally has been incredibly frustrating. Despite making multiple attempts to resolve an issue with my account and repeatedly requesting to speak with a supervisor, I still have not received meaningful assistance.

I continue to be told that someone will contact me, but it’s been over a week and no one has followed up. Meanwhile, my vehicle was totaled on January 7, and the loan was paid in full, yet Ally continues to bill me as though the account hasn’t been resolved. Even worse, this unresolved issue is negatively impacting my credit.

What has been most disappointing is the lack of communication and accountability. I have made every effort to work directly with Ally, but I continue to receive promises of callbacks instead of actual solutions.

I simply want my account corrected, the improper billing to stop, and any inaccurate credit reporting addressed. I hope this review encourages Ally to take customer concerns more seriously and finally resolve this issue.

Ally Auto is an absolute horror experience. From being locked out of my account, having to make payments over the phone, and the worst non responsive customer service, they took my only ride by breach of peace. This Veteran feels quite let down. No recourse. No Vehicle. No Justice.

ALLY started out well, and has an easy-to-use website and app, but their customer service has deteriorated to the point of uselessness. Multiple phone calls, with long waits, and long pauses results in...nothing. For a week(!), I tried to transfer money from an Ally IRA to an Ally Checking account, but got one excuse after another as to why it wasn't going through. The last excuse was that someone with a VPN in another state had tried to access my account, but this excuse was not explained to me until day 7. Despite resolving this, and a subsequent 22-minute, and a 49-minute conversation with Customer Service, including a conversation with a supervisor, and multiple assurances that they 'doing the best they can', MY money is STILL unavailable to me. When I finally do get access to MY money, I will transfer my accounts to a bank that values its customers, not just its customers money, and values action over meaningless reassurance.

I was told it takes 10 business days when you transfer money from your bank to Ally. Would not recommend.

**Beware of Ally Financial's Total Loss Lease Process – Read Your Lease Carefully**

If you're considering leasing a vehicle through Ally Financial, read your lease agreement carefully—especially the section covering a total loss.

My leased Tesla Model 3 was declared a total loss. Before the insurance company settled the claim, Ally provided me with a written payoff quote of approximately **$30,995**. The insurance company, Bristol West, initially offered approximately **$33,792**, but after I submitted comparable vehicles, I successfully negotiated the settlement up to **$36,440**.

During the claim, the adjuster advised me that once Ally provided the payoff, any remaining balance after the lease was satisfied would be sent to me.

Instead, Ally never provided the insurance company with a traditional payoff statement. According to the documents I later received, Ally issued a **Letter of Guarantee** requesting payment of the **exact settlement amount of $36,440.47**. I still have not received a detailed accounting explaining how the insurance proceeds were calculated or applied under my lease.

I also made a **$5,000 down payment** when I leased the vehicle. Consumers should understand that a substantial down payment on a lease may not be recoverable if the vehicle is totaled.

My biggest concern is the lack of transparency. I repeatedly requested a complete accounting and an explanation of how Ally calculated the amount it retained, but instead received only a general reference to the lease agreement without the detailed calculations I requested.

If you're leasing through Ally Financial, ask questions **before** signing:

* What happens to your down payment if the vehicle is totaled?
* How are insurance proceeds calculated?
* Will the insurance company receive an actual payoff statement or another form of demand?
* Will you receive a complete accounting if the vehicle is declared a total loss?

Do not assume that any excess insurance settlement will be returned to you. Read every provision regarding total-loss claims before signing your lease. I'm trying to determine whether my experience was an isolated incident or part of a broader practice.

If you've had a leased vehicle through Ally Financial declared a total loss, I'd appreciate hearing about your experience. Were you provided with an actual payoff statement, or did Ally issue a Letter of Guarantee requesting the full insurance settlement? Were you given a detailed accounting showing how your insurance proceeds were applied under your lease agreement?

If you consulted an attorney, filed a complaint with a regulatory agency such as the CFPB or your state's Attorney General, or otherwise challenged Ally's handling of your claim, I'd be interested in learning what the outcome was. Understanding whether other consumers have experienced the same issues and how those situations were resolved may help determine whether this was an isolated event or a broader practice that deserves further review.

I was laid off and asked for a months deferment. Trying to keep all of my payments on time. Trying to keep my credit good. They told me yes, sent me an email with my new payment date. Then I got a letter 3 weeks later saying no it is denied. NO time to make different arrangements. NO ability to fix it. Have shown a month late ever since. NO help fixing this from them.

YOU will never get in touch with LIVE person!!!!! Got an email saying our phone numbers were changed on our acct. FRAUD hotline has NO live options and the ones on there were NOT our situation!! WHAT the heck!! CLOSING this acct now!!

I transferred my 50k from a CD to a money market account both through Ally.
Ever since, they locked me out of my account. I have been calling since yesterday, they tell me a specialist has to call me back. Still no call back, so again I call them and I have been on this phone for 33 minutes with still no resolution. They already verified who I was but that's not good enough. They refusing to give me access to my account. All because they asked me if I ever was denied access because I didn't answer my security questions correctly. In which is NOT TRUE. They are giving me the run around and are saying the same thing over and over again. PLEASE DO NOT TRUST THESE PEOPLE WITH YOUR MONEY.

Ally is the WORST financial institution when it comes to customer service. They must pay them DIRT with the way they handle their customers.

Shame on Ally Bank. My credit score is 717, I have zero late payments, and less than $1,700 in credit card debt, yet I was offered a 19.9% APR on a used car priced around $23,000 plus an extended warranty. The payment came out to over $650 a month for 72 months, meaning I would have paid nearly $47,000 for a used vehicle.
Then we wonder why so many Americans are struggling financially and drowning in debt. When someone with a solid credit score and a clean payment history is offered terms like this, something is seriously wrong with the system. This isn't responsible lending. It's the kind of financing that keeps people trapped making payments for years while paying nearly double the value of what they bought.
Thankfully, I did the math before signing. Everyone should. Because if this is how Ally Bank treats borrowers with good credit, I'd hate to see what they offer everyone else.
With allies like this, who needs enemies?

Worst experience ever!!!
Wish I saw reviews before.
They go out of their way to make every little thing a hassle.
They will ruin your life.

They recently had AI update their wire sending page. I made a mistake and it did not have an additional screen to verify wire sending information. Extremely poor design for their wire sending page. So$425 wassent in error at around 5AM so I called and within 5 minutes they assured me my wire was cancelled. 3 hours later I received notice they processed my wire anyway.

This “bank” stole 30k of someone else’s money and sent it to me! Nearly causing me to get sued and arrested. Do not ever give these people your information let alone bank with them.