Review Time
You do save fees vs other brick and mortar banks. However, there are significant downsides to an only-online-bank. Examples: you can never get a certified check (in any timely fashion), you can never get a $100 bill for a graduation or wedding card, never able to cash in loose change, never able to exchange currency for a foreign trip and never able to make a cash deposit!
Specific to Ally, their “alert” system is horrific at best! If THEY suspect fraud on your account/card-you won’t know until you try to use it and get declined. Then try calling!! Wait time is 10 mins minimum, usually closer to 20 mins. Only to get no resolution in the first call.
I gave them one extra star bc they do refund ATM fees up to $10 a month.
Oh, and twice now when I select I want to participate in the end-of-call-survey, the agent doesn’t hang up… and kept the call open for over 40 mins! Smooth move! That avoids any negative feedback!
Ally has had my zelle in review for 10 days even though I told them it was a mistake made by me they still won't reactivate my zelle nor allow me to transfer money from one account into another so that I can pay my automatic bills. I am currently trying to change my accounts to another bank. I wouldn't bank with them anymore
I have always maintained a strong payment history with my online bank. Recently, my computer was compromised, leading to two significant fraudulent charges on my credit card. After confirming the fraud with the source of the charges, I reached out to the bank to file a claim. Unfortunately, they failed to take action. A week later, the fraudulent charges remained on my account and were still being reported to credit bureaus. When I called again, they had no record of my initial inquiry. I submitted another claim to address the two charges, but it took nearly three weeks to resolve just one. They had no information regarding my request for both removals. It's been over two weeks since my third call, and the second fraudulent charge is still unresolved. I have also disputed the matter with a credit bureau, but there has been no progress. The fraud department has been unhelpful and unprofessional. This has been the worst banking experience I've encountered, and I plan to close my account as soon as possible.
I was eager to try the high-yield savings account, but my experience has been disappointing. Transfers take days, and they don’t consider holidays when setting deadlines. If your account is closed, it cannot be reopened. The support team is slow, unhelpful, and impolite. I spent 30 minutes on the phone and struggled to hear the representative.
My account has been frozen for about 10 days. I have called customer service daily trying to resolve this issue. Each time, I must answer automated security questions before speaking with anyone, but I have been unable to pass them. Consequently, they won’t let me talk to a representative or offer alternative identity verification. I've been completely locked out of my own funds for over 10 days despite my repeated attempts to resolve this.
My card information was compromised, and I was told it would take 10 days to resolve. There were no alternatives offered. In today’s climate, this bank fails to address people's needs effectively. The fraudulent activity is evident, yet they refuse to assist.
The customer service representatives are polite, but the delays I’m facing are absurd. I attempted to add my husband to my savings account, and what was promised as '5-7 business days' has dragged on for WEEKS. There are no updates unless I reach out first. I’ve called and emailed over 10 times and have been blamed for the delays, despite having to initiate contact for updates. The team clearly lacks concern for customers. In the future, they need to communicate proactively and provide updates when there are delays. Ignoring a customer for weeks is unprofessional and unacceptable.
Something has changed. The service has been consistently poor for the last two years. They struggle to follow basic instructions regarding mature CDs, often rolling over the entire amount into a new CD, leaving me without access to my funds. This has happened multiple times. I no longer trust them and wish to leave. I sympathize with those facing more complex transactions.
One star is overly generous. The service is terrible, and there’s no physical location for assistance. During my last call, I struggled to understand the representative as they kept repeating themselves, talking over me, and not listening. I had to call three times just to get a question answered, but still received no real help.
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Ally Financial is a bank holding company organized in Delaware and headquartered in Detroit, Michigan.
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