BLOOMINGTON, MINNESOTA -- I had made 3 payments of $500 totaling $1500 I had paid to Ally for car payments. Of those payments $59.69 was applied to the principal of my loan and the rest were finance charges... I currently have this in dispute with my bank and claim they are performing fraudulent activity. I would also like to point out that Ally changed their name from GMAC in 2009 to Ally. If you look closer it's because of all their fraud and lawsuits which is the new entity and name. Well with that being said Ally Financial is a new business as of 2009 and on the Ally website on the “about us page” is states “we have been helping customers over 100 years”... Ally has only been in business since 2009.
They have false documents misleading information everywhere. Do not do business with Ally. Stay as far away as you can. I'm disputing my false credit report they did, the false payments, as well filling complaints everywhere and I will be reporting them to the Attorney General. This is the biggest financial scam I've ever seen! Last but not least, Ally is a “Digital Financial Company” with no physical branches or locations and you can't even apply for a auto loan on their “digital website”. I only got a loan from them because that's who my Mazda dealer went through and now I get to deal with the headache.
The salesman got his commission and now I deal with a fraud company. Only communication is through email and phone with nothing but P.O. boxes... Why is there no transparency with this company? Why is there no faces? And why are they hiding from face to face? Also do your due diligence on this company, more and more questions raise my concerns every day. This company might be legit but are performing fraudulent activity plain and simple. Don't believe me? Please do your own research and you'll see for yourself! My name is Britton ** and I say this is company is the biggest fraud I've ever seen!
VIRGINIA -- DO NOT deal with these people. They are a fraud. I bought my car in December of 14. My first payment was February of 15 so roughly I have paid on it for three years. I financed $25,000 for the car, I still owe nearly $18,000 on it! All of the payments I have made have went mostly toward the interest and very little if any toward the principal.
Any time I have had to call them there is never an operator that answers in this country. I have asked several times to speak with someone in the US, they transfer me then they disconnect me. The most recent being last night. I actually talked briefly to someone in America and then she disconnected me. I am in the process of trading this car for something that is easier for my elderly father to get in and out of and I'm being told by the dealer it's probably not going to work due to the fact too much is still owed on my current car. I would not recommend this place to anyone, not even to finance a bicycle!
DETROIT, MICHIGAN -- After two days trying to get a “final” payoff amount on a car loan (which kept climbing) I was given an amount, exceeding $17,000: Responding that it was more than my last quote, it was purportedly to pay Sat/Sun interest while it was en route by mail from Dallas to Phoenix — if it was an overcharge, they would return the amount. (Ha!)
The next month I received a bill for a monthly payment - which I tossed, assuming the paperwork was somehow delayed. The following month, a bill for two months payment — with interest was forthcoming. After a phone call demanding payment, I assured them I would go to prison before giving them another cent. As it stands, I am to be harassed by bill collectors and the title will not be released until I pay. See them in court!
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.
SOUTH CAROLINA -- I called in and asked for a supervisor and they refused to get me to one. The normal customer service people are not able to help me, so why not get me a supervisor that can help. This company should be shut down. I don't know how they are still in business.
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.
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.