Ally Financial Reviews 1.562

On February 27, 2026 at 1:21am CST, I used PayPal to make an income tax payment of $3,350, plus a service charge. My primary PayPal means of payment was a Visa card. Unfortunately, I had also previously linked my Ally checking account to my PayPal account.

I chose to pay via PayPal using that Visa card because the card offered 3% cash back, which would have more than covered the service charge. I also would not have been required to pay that credit card bill until April 15th.

Understand that I could have paid my tax bill without incurring "any" service charge, using a checking or savings account - but again, I wanted the extra time to pay the bill, as well as the cash back that the credit card offered. However, the credit card rejected my payment via PayPal, due to suspected fraud.

Nonetheless, that wouldn't have been a problem, except for the ways in which PayPal, and especially Ally Bank, responded. First, instead of using another credit card linked to my account or providing me with a "choice" re. the secondary means of payment, PayPal immediately indicated that they were drafting the full charges from my Ally checking account - which I had "never" used to make PayPal payments. I had only linked the checking account to "receive " payments via PayPal.

However, my Ally checking account never received the PayPal charge until the following week, on March 3. Several days before that - at 11:45am CST on February 27 - I contacted Ally and explained PayPal's intention to draft my checking account for more than $3400. At the conclusion of that 31-minute conversation, the Ally representative read me a statement, confirming that the bank was discontinuing the overdraft protection from my savings account, to ensure that Ally would not honor any charges from PayPal.

Nonetheless, to my dismay, Ally drafted the funds from my "savings" account on March 3 to pay the full PayPal charges to my checking account, contrary to Ally's own promises, and without my permission.

Even worse, after that serious error, Ally refused to take any steps whatsoever to correct the matter - despite acknowledging their employee's mistake, as documented in their bank records - leaving me without the use of more than $3400 cash, for the next 7 weeks.

Finally, after I spoke with a second Ally supervisor, he promised that an executive member would contact me about the matter, but that never happened.

Bottom line: Who would ever trust a bank with supervisors and executives who, when they "know" that their employee has seriously failed to do what he has promised, then makes their customer pay for the bank's mistake, and doesn't even follow up with such a customer, after a supervisor promises they will - despite that customer's loyalty to the bank for almost 25 years? Not I.

Closed my accounts without ANY notice. When I called to find out why, I was told because they can. They claimed they sent a notice to my online account which mysteriously cannot be found. Mind you, they sent me notices via email & mail ALL the time but the one notice they should have sent via email And mail, they conveniently send via online account and it is NOWHERE to be found. Buyer beware - Avoid Ally Bank like the plague!!

All they do is harass you call and send letters every month I don’t need a reminder stop sending letters and stop harassing people I been paying the car for the past 4 years leave me alone weirdos

I had a seriously frustrating experience with Ally Bank involving an account closure and my remaining balance. After the account was closed, I was told my money would be sent out, but I was given no timeline, no tracking information, and no way to verify where it is or when I’ll actually receive it.

That alone is already a problem. But what made it worse was what happened next.

I called to ask for any alternative, whether they could reissue the payment, speed it up, or send it another way. I wasn’t asking for anything unreasonable, just a way to access my own money or at least get clarity. Instead, I was told “no, we can’t do that.” No explanation, no options, nothing. Just a dead end.

At this point, my money is somewhere in transit, and I have zero visibility or control over it. That should never happen with a bank. When you’re dealing with people’s finances, there has to be transparency and some level of support when things aren’t clear. I got neither.

What concerns me most is how easily they shut everything down instead of trying to help. If something goes wrong in this process, you’re essentially stuck waiting with no answers.

Based on this experience, I would strongly caution anyone to think twice before using Ally Bank, especially if there’s any chance you’ll need real support when it matters.

Do not bank here! They literally let someone steal money out of my account and did nothing to help. Took them 2 years to investigate just to tell me thy cannot do anything about it. Your money is not safe here and they don’t care about their customers.

We just recently purchased a 2024 Ford F250 Superduty and it is financed with Ally. My Fiance and myself are on the loan. Both of our phone numbers are listed as well. I kept getting calls from New Orleans number and they never left a message so I was hesitant to answer the phone. After 3 days of phone calls, I call this number back to discover it is Ally Bank. I asked the girl why they kept calling me and she kept telling me she was calling in regards to my Fiance. She would not give me any answers so I hung up, finished my lunch, and called back on Speaker phone with my Fiance present. Icy basically had the same attitude. She would blow off what I had to say no matter how many times she was told by us that we are both on the loan for this truck. She completely ignored my request asking that if they are going to call my number to please leave a message as to why they are calling or to call my Fiance directly at his number if they do not wish to share information with me. I felt my request was being ignored so I asked to speak to a supervisor. She asked me my reason and I told her then she puts me on hold as though she is getting a supervisor. She gets back on the line to tell me that I needed to call Customer Care to speak to a Supervisor. I hung up. I am not impressed by the staff and how they treat their customers. I am almost tempted to have our truck refinanced with another bank. I hope I never have to do business with this bank again.

Ally has the worst auto loan rates nI have ever had. I had a mishap with a out of state dealer and had to go with Ally. I have a high credit score and they gave me 8% loan rate. Absolute garbage! Avoid getting a auto loan at all cost from them.

The bank failed multiple times to authenticate my identity—even after I provided all the correct information (SSN, address, phone number, etc.). Every time I called, I had to start over from scratch, and to make things worse, they hung up on me several times during the process.

My account was essentially held hostage while they “couldn’t verify” me, leaving me without access to my own money. It took several days to finally resolve something that should have taken minutes.

Customer service was extremely frustrating, unhelpful, and inconsistent. No one could give a clear answer or fix the issue efficiently.

I would not trust this bank with my money. If you value access to your own funds and competent support, look elsewhere.

I had a trading account with Ally Invest for 5+ years for occasional stock trades, mostly long-term. Recently I tried to open a savings account with their 3.2% rate, but the application was rejected with “we couldn’t verify your identity.”

I called support and provided all the basic details, but they kept repeating the same questions without explaining much. I have a 760+ credit score and US citizenship, but when they asked for my employer name and income, I politely declined. That might have been the reason.

Not a big deal — I’ll just open a savings account somewhere else, but it was a waste of time.

I dispute my charges with customer service people they didn't investigate landshark car wash this people close their business and still charging customer they have my credit card on their file I request Ally credit card to dispute those charges they refuse to remove my charges another credit card company remove charges right away till dispute pending but Ally credit card refuse to do that just like well fargo abuse they customer this Ally credit card just like that avoid Ally BANK and Ally credit card.

DO NOT USE THIS BANK!!! I just opened up my checking account 2 weeks ago .. every representative had no clue how to fix my Zelle issue. One person gets Zelle three others do not and even a manager who was extremely rude does not why nor opens a ticket number to get this figured out. They blame the recipients bank two of them which was Chase and both Chase managers had no clue what ally was talking about saying something is wrong on chases end. This is a waste of time and no wonder why they get horrible reviews! They wouldn’t even give me corporate number and told me to google it!!!!!!!!!

I called within seven days of the CD's maturity to ask them to close the account. They found an excuse (my external account was not linked) and refused to process my request to close the account. Later, when my external account was finally linked, they charged me 60 days of interest ($600) because it was 11 days after maturity. Ally Bank does everything to charge people unfair fees.

Worst customer service i have ever experienced. I have been using this bank for a number of years without issue, but recently, it seems there isn't a single english speaking person in the entire company. Any issue you have, fraud, or account questions, and have to speak to them on the phone, its always someone who speaks insanely broken English, and is incredibly rude. IF they resolve this fraud issue, i will be changing banks asap.

DO YOUR REASEARCH, Ally hides all negative press, and wont allow customers to post reviews on its own website. There are numerous class action lawsuits pending: "This bank needs to be investigated by FINRA again, we are working to file a class action lawsuit after contacting several hundred other users, and doing an independant undercover investigation there are numerous violations and accounting issues, we are working to notify the public to avoid opening accounts." -Robert Hughes, Esq.

most agents are not helpful or just plain old dumb

This bank is a sham. I got a notice out of nowhere that they were closing my account in 5 days. Weirdest thing ever. I contacted customer service and talked to three people, no one could tell me why my account was being closed but it could not be reversed?? I had direct deposits connected to the account that I never received because they posted after the account closed. DO NOT USE!!

submitted a payoff check for an extremely short payoff period of 10 days, arrived on the 11th day, was charge a late fee, kicked back the check and had to make an ADDITIONAL PAYMENT to offset the difference. do NOT use this company you are not in their best interests and this company will act in bad faith and die on their hill

Sent a payoff check for a refi with another bank. It was recieved a day after the payoff window amount due to mail. So instead of taking the check and calling me for the few dollars difference, they returned the check via USPS. Now, I have 2 payments in one month. Horrible call center. Don't seem to have a clue how to actually resolve an issue with any complexity. Another company going cheap on service, horrible for customers. Last person likely lied to me about a department within Ally that doesn't take calls, since I've not received a call back. So I'll have overpaid by now and have to try getting my money back. Should be criminal, but class action awards attorneys more than customers. Will start calling again this week. I'm retired, so I'll wear them out until it's resolved.

Tried to open an account with Ally. Gave them all the information they required. Got an email stating Ronald, after reviewing your application, we determined we can't open an Ally Bank account for you right now.

Here's why:
Your application either didn't meet our requirements, or we couldn't verify your identity.

As an online bank, we can't verify a person's identity face-to-face, so we use commercially available databases. This decision wasn't based on data from a consumer credit reporting agency.
Even talked with a person on the phone that acted like a total idiot.
I wouldn't even want to open an account with them now. More than likely, I bet their Customer service is in another Country.

Recently opened a savings and checking account with Ally and it was a breeze. The mobile app is great and allows you to do almost anything you need. I have called customer service and had no issues.