After your vehicle is halfway paid off watch out. If for any reason your payment doesn't clear or you pay from a different source. They won't contact you at all. They will lie and say they called or sent mail. After you get caught up, these guys will double bill you with a late fee. I got a different answer every time I called. Finally learned they were applying the payment to the principal and not the bill that was due. So you end up paying twice with a late fee and it gets worse. It's at this time you need a lawyer. But don't get a lawyer on the net. We had one that wasn't really a lawyer. See once you have a loan with Ally they sell your personal information.
Anyways we were able to get some money back and we immediately paid off the loan with my wife's probate from her mother passing away. We paid off the loan at the end of August this year. Got the title end of September. And guess what happened at the end of October a few days ago? They almost got away towing my vehicle at 12:05 AM! Had I not ran outside in the freezing cold naked yelling "I've got the title" my truck would of been gone and I would be taking Uber to get anywhere.
Fortunately the driver heard me out and took pictures of my title and the truck. Ally however tried to claim the payoff was taken back. Of course they were lying and trying to commit wire fraud. However we made the decision to stay out of state overnight. We are still waiting for an apology.
I'm not sure where to even begin. My husband and I refinanced my vehicle that was originally financed with Ally. Since we had bought GAP insurance they were to refund us the balance of 900+ bucks. After calling and canceling it we were assured that we would have a check within 10 days. When that came and gone we were told that the policy changed and the car dealership had it (WTF?). Car dealership said they declined it and it would go back to Ally. Then Ally said yes but it takes 30-45 days to refund. Ummm you can just keep my money for 45 days?
Ok so we wait 6 weeks and still no refund. Call again, nobody knows where the money is, they will call us back. No call back so we call again, a special department is handling it, they will call us within 24 hours. No call back, we call again. Ally Financial says that the refund is handled by Ally products, three way them in on convo they argue over who handles it and both decide it's on the dealer. While on the phone with them I go to the dealer. The finance people at the dealer say they are waiting on a Leon release from Ally to cut the check. Long story short, after 7 weeks of dozens of phone calls we still have no refund and should be fluent in the Indian language.
OHIO -- Recently I scheduled my car payment to be withdrawn from 2 separate checking account - half from one and the other half from another. However, when the payment were withdrawn they took the correct amount from the one checking but withdrew about $700 more than authorized from the other. When we called to see what had happened all they could say was "The amount was authorized" even though I had the email showing it was not.
They told us the only way to get the month back was to contact our bank and let them know that they amount was not authorized - but that this process could take 2-3 months and in the meantime we would be expected to continue making our car payment each month. This has set us back on our bills and other payments. It has literally turn our financial world inside down and there is nothing that can be done.
Yes, we don't have to make a payment for 2 months because they charges us for a total of 3 payments, but that doesn't help us NOW. I've heard from an acquaintance that this happened to them twice and have read other reviews from people saying this happened to them too. How can a company do this to people? If I could, I would move my car loan to a new company right away and I warn others to really watch what this company is charging you.
Purchased a vehicle thru a Chevy Dealer. Went with Ally due to low interest rate. Big mistake. I sent extra money (as I do with some bills) for the first three months. Usually when doing this with car and house loans the amount paid over goes to the principal. Ally send us a statement for the next month which is lower than what we signed the contract for to pay. I again paid more than what was asked for on the bill.
Well, the next month the invoice is for even less than the previous month. I saw that the extra money wasn't going to the principal but rather toward what was being requested each month. Now this should have been the first clue. So I paid exactly what was on the invoice. I then get a notice three weeks later that we needed to pay an additional $30 or it was going to be reported on our credit as late.
We called Ally (another big mistake) to find out why this was happening. We talked to a complete idiot for about 30 minutes on the phone and she couldn't/didn't understand the problem. Told her to let me talk to her supervisor, who was not any smarter or helpful so we asked to talk to her supervisor. Was told it could take up to 48 Hours to get a call back from a manager.
Long story short. The so called "Manager" called us 6 days later and stated it is a computer problem on their end. They know they have a lot of unhappy and angry customers but they can't fix it at this time. She stated that when a customer pays more than what is due for the month that they credit it to the principal and they also credit it to the next month's bill but that customers are expected to pay the original loan amount and not what the invoice says.
She also stated that customers can call every month that they make an overpayment and ask to have the account "rebilled" so that the principal is credited for the overpayment and not the next month's bill. I told her both of those statements make no sense as they are crediting the twice with the same payment but making them call in to get credit for the same payment that they just paid.
We went round and round with her making excuses for why they can't fix their system and that they see nothing wrong in making their customers (hopefully not many for long) do all of this extra work. We have had many auto loans thru the last 5 years. We have never had any problems with overpayments being applied only to the principal and the invoice amount being the same each month. I will never use Ally again and I will not buy at a dealership that uses Ally as their loan company. We will be transferring our loan asap.
WASHINGTON, NEW JERSEY -- I leased a 2013 Chevy Cruze through Ally. I paid my bill on time, took excellent care of my car, and turned it in under mileage. About two months ago I turned in my lease for another car. Before I even left the dealership with the new car, I took an exhausting amount of photos of the Cruze to back myself up in case there were any problems (advice from the dealer). I wasn't keen on the process to begin with... while I knew my car had no dents or scratches I didn't like the fact that I was leaving the car there to possibly be surprised later. Two weeks later I get a bill for $730.
I called Ally immediately and explained that I had photographic proof that the car was not damaged. They told me they couldn't give me answers and that I would have to wait until it sold at auction and present the photos afterward. About 2 or 3 weeks later I get the same $730 bill. Again I called Ally and said I had photographic proof that the car was not damaged. The representative told me that the photos are useless and they cannot accept them. The rep then began screaming at me and talking over me when I started asking questions. I work in retail customer service and I would never speak to a customer the way I was spoken to.
This company is run by lying, money hungry animals and I am disgusted that I was treated like a liar. This company will trap you into paying for damages that don't exist and will not let you defend yourself. Forget about getting help or correct information from customer service, they will not listen.
I moved, so naturally I did what normal people do and changed my address. Sadly with Ally I had to do it 3 different times! The third person I spoke to in regards to this would not give me any information on my account without the name of the dealership I purchased my car from, the city I purchased it in or my previous address (that I had already changed). I provided all three with the exception of my apartment number which I couldn't recall but she said nothing matched and she was unable to answer anything in regards to my account.
After putting me on hold multiple times and 33 minutes on the phone saying my information over and over, she actually told me what the apartment number was! Wonderful security guys!!!!! So, you said that all of the information I was giving was incorrect then you actually tell me the apartment number to my previous residence that you have on file. So basically if you are a CRIMINAL, call Ally and give it about half an hour, I am sure you will be able to get those last bits of personal information for the identity you are trying to steal. I TOTALLY TRUST YOU GUYS WITH MY PERSONAL INFORMATION... NO, I DON'T and neither should anyone else!!!!!
Ally told me it would close my account if I did not provide a physical street address. I value my privacy, and I have a post office box which receives all my mail. This is a common practice in the United States and has been so for a very long time. Anyway, I told Ally to go ahead and close the account. There was no attempt to transfer me to an account recovery specialist, no understanding of privacy; it was goodbye to the customer, full stop.
This is a despicable bank. That must be the reason why so much official effort is being made online and elsewhere to portray Ally as "number one," as if this bank is the greatest thing since sliced bread. It isn't. To Ally, the customer is an adversary.
PHOENIX, ARIZONA -- Obtained a lien release in July 2012 from GMAC (now Ally). Sold the car, attached the lien release to the title (which is legal in Maryland) and said goodbye to my Sunfire. Now, four years later, getting dunning letters saying I owe over $1100. How could they give me a lien release if the car hadn't been paid off? Why would I have asked for one if I thought the car hadn't been paid off? Their answer: "Oh, well we had a computer problem and they should not have released the lien." So who's problem is THAT??? And of course, I've discarded any paperwork I had because, after four years, I didn't expect them to now say I owe something.
Not only that, but the first customer service representative I spoke to was INCREDIBLY rude, saying that even though the lien was released I still owe them money. I called back, asked for supervisor, got sent to voice mail. I called back, got the same representative I got the first time, he hung up on me. Finally talked to third representative who gave me the same song and dance but offered to show me my payment history. Funny, but that history doesn't show when they issued me the lien release. How convenient for them. Sorry Ally or GMAC or whatever phony name you are using these days. Not one red cent more from me.
FORT WAYNE, INDIANA -- We recently bought a new car but forgot to cancel the auto pay to Ally for our previous car. So far... Have contacted Ally 4 times and even spoke to a supervisor who personally guaranteed we would have our refund back in 3 to 5 days. It has been 23 days now and still no check. This company is completely inept and their customer service reps are completely braindead. I will never use this company again.
I bought a new 2011 GMC Pick-up truck April 4, 2011, and had to finance about a $15,000.00 balance. I was told by my dealership to expect a statement from Ally Finance ("the new GMAC") in about six weeks. I became concerned when I had received nothing by mail by mid-May, and called the dealer. Still nothing. Finally, I had a "customer service call" (likely in the second half of May) to find out why my payment was late.
When I said that I had yet to receive anything by mail, the caller (a male, ? accent) said that the mail had been returned. We double-checked the address, and it was basically correct. Since I have practiced medicine for 17 years in the same small town, in the same suite, among a total of 8 doctors, it seems unlikely that omitting the Suite number would have resulted in some failure to deliver the mail. Plenty of other things get through with far fewer details of the correct address.
Anyway, the first caller could not, or would not direct me to an internet site. The second caller (a female, no accent) did advise me properly. I went there, and paid off the entire outstanding balance on June 2, 2011. I believe that I spoke with another customer service representative at that time, but??? who really knows.
Anyway, weeks later, no title. So, I call the dealer to check. He checks with the state. And, lo and behold, Ally Financial is calling me again. LATE PAYMENT! I say "no way", and go to the site. Somehow I have a balance of $113.90. Two customer representatives later, and (thick accents) explanations of how my payment was divided, and used to cover late fees, etc. (recall that THEY never sent me any statement; I had to go dig it all out!!!). I finally had to pay $129 something just to clear the account.
Yet another late fee. No acknowledgment of my payment. No notice that my new statement was available for review, or that a payment was due. And, just amazing is the phrase "I do apologize..." since, truly, all the customer service representatives (and I spoke to supervisor of supervisor) seem absolutely powerless to provide any meaningful resolution. I WILL NEVER DEAL WITH THIS FINANCIAL INSTITUTION AGAIN. THEY ARE IMPOSSIBLE, AND THEIR WEBSITE IS THE WORST.