Ally Financial Reviews 1.560

Numerous calls to customer service customer services in capable of helping anybody they’ve locked me out of my account they want me to verify over and over and over and it takes 3 to 4 days to get them to verify you and then you’re still locked out I’ve asked for them to report this review this I have spoke to well over 30 people and I’m still waiting to close my account and leave it I wish I would’ve never allowed this company to have my money cause now it’s theirs.

Terrible customer service. It takes forever to speak to someone and then you are put on hold while they apparently read their entire training manual only to come back and tell you to continue to hold as they still don't know the answer.
Today the closed one of my accounts with authorization. No one could help with the issue. Seemed like they really didn't care. Probably not found in their manual. Will be closing all accounts this week.

I strongly caution anyone considering opening an account with Ally Bank to think twice.
My son has been trying for over two weeks to open a savings account, and the experience has been incredibly frustrating. Ally keeps attempting to verify his identity using a phone number that doesn’t even exist. Each time we call for help, we’re told that a “specialist” will reach out—but no one ever does.
The lack of communication, accountability, and basic customer support is extremely disappointing. If this is how they treat potential customers, it raises serious concerns about how they handle existing accounts.
Based on this experience alone, I would not recommend Ally Bank. Save yourself the time and frustration and consider other options.

Horrible customer service. The representatives will not get you a supervisor when asked. If you asked the representative's name, they hang up on you. They rip people off on the rates. Never never do business with this company. Lesson learned. Hopefully you don't have to learn this lesson from such a horrible company.

Was good now they are terrible. Called multiple times to get my debit card unlocked and for some reason locked both of our cards. We could not even buy groceries. I was with them for 5 years.

I opened dispute with Ally regarding a merchant (Raycon Global). I bought a pair of ear buds that would not charge. I returned the ear buds for an exchange. The replacement ear buds also would not charge, so I returned the ear buds for a refund. Raycon would not give me a full refund only a gift card for their products. After having 2 pairs of ear buds that would not charge, I didn't want their product period. So started a dispute with Ally. I uploaded on ally website the multiple email correspondence, ( 25) with Raycon explaining the issue with the ear buds. I mentioned I didn't want a gift card as a refund, I wanted a full refund, they would not. Ally sided with the Raycon because I refused a gift card as a refund. Why would I want a gift card as a refund for their product that was defective, the ear buds would not charge. So after showing proof to Ally that I was having problems with the ear buds, Ally still sided with Raycon because I refused a Raycon gift card as a refund. Ally did not have my back and I been a customer with Ally for 8 years with no issues until now. Ally will not have your back should you have an issue with a merchant. DO NOT TRUST ALLY BANK. !!!!

If I could give less than 1 star, I would!
My auto loan with Ally was paid off and confirmed as satisfied. A year and a half later, Ally claimed a payment from the payoff period had been returned (it was not) and reported a late payment to the credit bureaus. The reporting caused my credit score to drop significantly. I disputed the issue with Ally, provided all necessary documentation, and filed a regulatory complaint, but Ally refuses to address the issue and continues collection threats. Very frustrating experience dealing with a company that refuses to correct THEIR OWN obvious error.

I tried to log into my account and was locked out in spite of entering the correct user i.d. and password on five ocassions. To access my account i was put through a long interrogation. This whole process took so much time and I was so frustrated.
I don't trust this bank and that I will be able to access my money in the future, so I withdrew the balance when I was finally allowed in to my account.
something is terribly wrong. At one point, I was being questioned about auto insurance!

I have a car financed through Ally Bank I told them in August of 2025 that I wanted to surrender the car because it was totaled they told me someone would reach out to me and I never received contact they instead continued to charge me late fees and now when I call them they hang up or get nasty to me if you are wanting to finance a car with them don’t they are nothing but a bunch of jokes and criminals btw my car was 14 grand and with interest they are wanting me to pay 28 grand

Ally was once a great bank, but sadly everything has become steadily worse over time as the fat, lazy, greedy execs get rich at the customers' expense.

1. Interest rates are no longer competitive.

2. Customer service is now an outsourced horror show. CSRs and their supervisors have no access or ability to resolve customer issues.

3. The app is like a child's toy full of ludicrous gimmicks like shiny badges and spending buckets.

4. Zero data privacy. Ally forcibly enrolls customers into its affiliate marketing and data sharing even those like me that had every privacy option set to maximum privacy. Then it spams the hell out of its customers with idiotic, waste of time emails.

5. Weak security procedures. Your mother's maiden name is a matter of public record and should never be used for security questions. This is so basic.

I could go on but I have vented enough. Isn't it sad when great products and services go rapidly downhill so the 1% can buy bigger yachts? I'm afraid Ally Bank is now a great example of enshitification and how a former market leader can totally lose the plot.

Honestly, the worst bank I have ever dealt with... if you call four times, you will get four different answers. They have internal individuals that give your information to third-party phishing companies and will not work with you to show them proof. Management, if you can ever talk to them, will circle around and lie to you, it's truly shameful.

HORRIBLE BANK! STAY AWAY! I wish I had used my credit union instead of the car lots bank - they set me up with a car loan through Ally (I went along with it because they were able to match/slightly undercut my credit union rates took it for simplicity).

After 1 year I decided to refinance with a credit union for a lower rate (rates have gone down) and have had the WORST experience trying to pay this car off with Ally. I received my loan check and mailed it to Ally bank as instructed, after signing it, Apparently it was processed at Ally like 1 day after my pay off quote was good for so I was "short" $12.01 due to daily accrued interest. Most GOOD banks would have just waived this, but no this place... no they MAILED THE CHECK BACK saying I was short $12.01!!!!! I was then told on the phone they'll freeze the payment amount I just had to mail the check back and pay $12.01. I immediately paid $12.01 online, paid 75 cents for ANOTHER stamp and mailed the check back. Upon processing the check this time they accepted it, but now my account shows I owe another $68.43!!!!! I called them again and they REFUSED to waive the interest. I was charged this interest because THEY returned the check... they deliberately dragged this out as long as possible to extract more daily interest out of me!!!!!! I even elevated it to the supervisor and they held firm that because the check said "payment in full" and it was $12.01 short that they were justified in mailing it back and that the account accrues interest daily. Lessen learned if you do use this bank PAY EXTRA to ensure its paid when that check gets mailed. Never using them again for ANYTHING.

Somebody got a hold of my account number and cached a check for $3800 that didn't have many name or signature, just my account number. Ally didn't verify my identity and gave my money away. Now they are running me through loops with affidavits that need to be notarized and told me it can take up to 120 days to get my money back. I am leaving Ally

Money keeps being taken from our accounts. Wont show up on our statements. Paid 1700 in feb 2026. Its march now im behind 2 payment again they are saying. How I owed 600 for that car payment and 300 in late fees. Nothing changed almost like the money disappeared. Now they are saying it went toward the interest...why didn't they pay the payment and late fee. That I shouldn't have anyway. We keep throwing money at these fees. That wont go away and keep putting us behind.

Ally employs unethical business practices and engages in deceptive behavior when communicating the amount owed over the phone. Ally has outsourced its customer service to overseas locations. They have repeatedly requested that I seek financial assistance from a family member or loved one when I am late on a payment. This request is incredibly disrespectful and inappropriate. Ally does not care whatsoever for well-being of its customers.

I have over paid on my car loan on purpose to shorten the length of time. They applied payments to the next month instead of the principle. I'm currently trying to pay it off and 1 department can't communicate with another to get the actual amount. No one knows who to talk to. I'm glad I got the loan but the servicing is clueless on procedures. I'm just hoping to ge a lien release.

Omg these people are the worst when it comes to customer service. It t00k 20 minutes for them to still not fully answer one question. They lie and say "please give me a minute to research your question" which is bs because they return minutes later only to not have an answer and ask how is your day....fareal??? My Shade detector picks up a little shady business dealing when I talk to these people. Everything else outside an auto loan offer is also a waste and scam. Note they have stopped introducing themselves by name as well I see. Smdh and cussin at the same time🙄

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!!