Ally Financial review: bad service and dangerous web practices 19

I recently bought a new car, and Ally financed it. I logged in to their website to register and make my first car payment on the loan, and their website locked up. I tried to log in again and received a message their site was down for scheduled maintenance. Odd to take down a loan website on the 15th of the month when most loan payments are due on the 15th and will be made on that day. I logged in the next day and entered my checking acct information to make the payment (with a late fee, because I couldn't get access to their website the day my payment was due). A month later, I logged back in (several days prior to the due date) and made my second payment (choosing the payment option I had set up using my bank account). Over a week later (days following the 15th after that payment was due). Ally called me to request payment noting it was past due. I told them I made it online several days before the 15th and received a confirmation after making the payment. They put me on hold and came back saying there had been a problem, and they were unable to process that payment because they couldn't access my bank account and they wanted me to make a payment over the phone with late fee. I declined and told them i would call them back ( I wanted to confirm the bank account no. linked to my ally auto account online, noting they had processed my first payment through the same account a month prior). I've attempted to access their website on 4 occasions since the call, to verify the bank account # they have; however, my user id is no longer valid, and I can't get into my loan account on their website. Ally has called me several times a day since I last spoke to them asking for payment over the phone with a late fee. These practices are an attempt to garner unjustified late fees and need to be stopped!

I recently lost my job and was forced to take a job at less then half the pay as my past job. I called ally to make payment arrangements. The CSR approved a 60 day differment on my account. This was very helpful to my finacial situation at the time. I was sent a letter from ally with my payment arrangements for the next 90 days and my differment was approved.
3 weeks later i get a call form the ally collections dept, they told my I was late on my payment and added a $35 late fee to my account. They also told me that they were sending negitive 30 day past due on my credit report. I explained to the CSR I was told i was approved for a 60 day differment. The CSR said yes customer service approved the 60 day differment but the collections dept did not apporve and my account was reported late.

I am really disapointed in the management of ally, How does one dept make a payment arrangement and approve it then another dept can override the aggrement and cancel it 21 days later? My loan was with GMAC/Nuvell, then ally takes over and robs me for late fees and hidden charges. IMO ally is a bunch of crooks. I will never use ally for a loan in the future. my wish is for ally to fold and go under.

Been battling Ally for a year! They are ###s! Say they will call back, never do. Say they will send written confirmation of phone conversation, never d0. Won't provide an address where I can mail a certified letter of complaint, only PO Box. Why are we having to deal with customer service, or rather NO customer service. GMAC sent letter stating ALLY was just a name change, NOT! I have sent complaint to the Federal Trade Commision, and will be filing with BBB. Ally is HORRIBLE!

These comments are the same expriences that I have had with Ally Financial Inc with the on line payments and getting phone responses from Ally Customer. They are real fast with tring to charge you more penalties and fee's which they cannot explain. Agree.. Horrible experience.

Ally is horrible ! We had an accident in our lease vehicle the insurance company fixed and they sent a letter at end of lease charging us for every thing we fixed they are terrible not organized and do not give a damm about the customer.

this place is looking for lawsuits. they are calling even when they have been told not to. they are calling at 7:00AM.they are hanging up when I try to explain something. they are calling 4 times an hr.

I purchased a vehicle over a year ago and decided to payoff the loan. My issue is getting the title in a timely manner.I paid over the monthly payment on time every time, Now they take their time sending me my title so I can sell the vehicle.I have a buyer but has told me If I don't have it within the week they will shop somewhere else for a car.This is absurd this is the 20th day of waiting for the title in the mail and they do not care, I was told now that DMV with a letter from Ally to prove there is free and clear will take another 6 to 8 weeks.What a joke Do Not Do Business With These People, flat out they do not care... I have called and talked with a supervisor and got the same cold shoulder, sir it in the mail. I am pissed off.

I have had financial problems for the past year. I called Ally and asked what they could do. I was connected to a team leader which i thought was a manager. She told me that I could extend my loan for two months and the fee would be $215.66. I told her I did not have it, she said borrow it from someone so i did and paid it on line. Come to find out it was never done and my car was repossessed with no notice what so ever. for being three months late which was only one if they had done their job and did the extension I paid for. This place is unbelievable no one speaks English, they have as much compassion as the wall. When I called to see why the extension was never done I got the run around, I was told until I paid all three months which two were to be extended they were not going to tell me anything. Here is the kicker, The man that towed it away told me not to pay a dime, because they are going to repossess it anyway. Unless it's exactly the amount they want. The harassing phone calls are off the wall and should be illegal any where from 6 - 10 calls per day one day I counted 13. Someone needs to put a stop to their shady dealings, I am angry enough not to let this go. If I have to go to every dealer in the state that I live I will make sure that Ally does not get their business.

Trying to deal with Ally is a terrible experience. I bought a 2008 Saturn Astra, Black Sapphire at Saturn North Bay, Ontario Canada. The total price for this car was $25, 660.90, 0% interest over 72 months. Things were going along very well with payments of $356.40. Then in July of 2011 I fell into some financial difficulties and went to a Credit Councillor. I was constantly in touch with Ally through all and finally asked the for a 2 month extension. It was approved and I had to pay $217, 00 in addition to my payments. Which remained at 0% . Again, thinngs went along well for the next year and a half. But during that time I had a double by-pass heart operation. Then I was in a serious accident where my girlfrien of 65 yrs was killed and her daught was put into a wheelchair for the remaining of her life. During all of this, THERE was no payment missed. In December 2012 I developed double pneumonia which lasted until the den of January 2013. During which time my Mother (94) passed away on January 19. Was unable to attend. I was able still to keep my payments up to date and on time util the end of March 2013, Then I got in touch with Ally (Cheryl Tizzard) my representative and asked for another extension and possible have my payments lowered. I was told NO to the exentions, but the could write up a new contract, but interest would now be applied. So I agreed to $277. a month for the next three years. The payments were to start June 28/13 and end June 28/16. However, this is where the problem lies. When the new contract arrived for me to sign, IT WAS TERRIBLY WRONG. It did not match up with the original sales contract, my sale price was $25, 660.90 andTHEY HAD THEIR OWN SALE PRICE OF $26, 040.40. I first contacted my credit advisor (Steven Agius) and explained to him what had occurred, I the couriered the 2 contracts down to him at Ontario Consumers Credit, which is located in Brampton Ontario, He got back to me and told me not to sign their contract as it was wrong. So I did as I was told to do. This contract was sent back and forth three times. Still not right. I should mention that the balance of the original contract from August 28 was $8910. Now UP TO DATE as of August 7th 2013. My car was repossessed and taken down to Brampton. Ally had gone back to the old contract which now, put me back three months. I can get the car back for the missed three payments and whatever extra monies might be charge to me. Now I was dealing with the collections department and a a very RUDE/ARROGANT man by the name of Mr Ainsley. Now, I should also say that, Mr Steven Agius was taking all of the problems that had occurred.
It was his suggestion that I don't sign the new contract and there is a law in place that. ONCE A CAR HAS BEEN 2/3 PAID FOR, IT WAS MORE THE BORROWERS CAR THAN THE LENDER. You can look that up. I fell short of 2/3 law by $153.00. Mr Agius has agreed to retrieve my personal belongings, as OCCA is alos located in Brampton. The whole sad STORY is the fact that I am being treated like a 71 year OLD lady and doesn't need a car anyway. I might also add that I am handicapped and my License is registered to the MTO stating that. Now Mr Ainsley knows that now I can't pay the back payments in one lump and that is the only way he will deal with this issue. I have twenty six days to come up with the money or the car goes to auction. Remember the BALANCE OWING ON THIS CAR IS ONLY$8910. I need my car to get around as I live in a very small town eight hundred people. The ar no buses or taxis. This is a village that consists mosty of seniors. I know this letter is very, very long but I NEED help. On the other hand I have resigned myself to the fact that I will lose the as a resul of Mr Steven Agius' advice, which I discovered at my expense is WRONG. Thank you so much, I hope you can help me in some way Lynda.

Idiots...on the phone calling 10x a day...they need customers services skills and compassion...they sound like a credit card company. Never again!

@Lynda Cazau

"Again, thinngs went along well for the next year and a half. But during that time I had a double by-pass heart operation. Then I was in a serious accident where my girlfrien of 65 yrs was killed and her daught was put into a wheelchair for the remaining of her life. During all of this, THERE was no payment missed. In December 2012 I developed double pneumonia which lasted until the den of January 2013. During which time my Mother (94) passed away on January 19. Was unable to attend."

Perhaps you could qualify your bad luck with proof that the above is true. Didn't you claim your son had died in a motorcycle accident so you could get a cheaper flight to Quebec City, and in fact, had his obituary published by the Welland Tribune, when in fact your son was alive and his prognosis was good? I suspect you are lying about some, if not all of the circumstances, that led to your difficulties with Ally.

I will Never, mark my words, never deal with Ally Financial again. I've never complained about a company in my 42 year lifetime, until now. They mistakenly ruined my credit, now they are trying to say I owe them $2200 after completing our lease agreement for "wear and tear." I cleared the car with GMC and Ally still came back with these unreasonable fees.
Now after reading so many other similar complaints I can safely say, Ally, you have taken up way too much of my time and energy.
No more...
JLong

I will never use them again, had a problem with one of my accounts after 4 years for one later payment was corrected later fee was removed, but still reported it to my credit report, after so many e mails and calls they well nit do anything to remove, all they tell my the it was 30 days late and they cannot or will not done anything about, so much for customer sevicer

PLEASE, WHATEVER YOU DO, DO NOT USE ALLY AUTO. PAID MY MONTHLY CAR PAYMENTS FOR THREE YEARS NO PROBLEM, BUT WHEN I DECIDED AT END OF MY LEASE TO DROP IT OFF AT DEALERSHIP, I SENT IN ODOMETER REPORT TO THEM 6 TIMES AS THEY "NEVER GOT IT" AND PAID MY PAYOFF. ITS BEEN 2 MONTHS, STILL MY CREDIT REPORT THEY STILL HAVE IT ON IT, AND NOW THEYRE TELLING ME IT WON'T COME OFF REPORT UNTIL THEY SELL CAR AT AUCTION! I HAVE NEVER HEARD OF SUCH A THING...HARD TO UNDERSTAND CUSTOMER SERVICE PEOPLE AND I HAVE TO WAIT FOR IT TO BE SOLD.