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Ally Bank Customer Review

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AllybankComment's Profile Image

1 out of 5 marks

Reviewed by AllybankComment

Jun 9th 2012

Bad - They Will Steal Your Money (I'm So Sorry I Can't Find That Username And Password In My System ...)

Ally will steal your money. They are sugary sweet on the phone 24/7. Cd matured? Want your money? They can't find your username. They're so sorry that's not the password they have on file. Sugary sweet 24/7 asking personal question after personal question, they'll keep asking and no amount of information is enough to satisfy them that you really are you. And no branch to go to in person (he he he). Hey, this isn't like some ally trick ("computer glitch", "just a little more documentation for you to notarize and mail, again", "just a few more personal questions", "someone will call you back",

"soon", "really", ha ha ha, you putz - but they are so so sugary sweet as they tell you that they are keeping your money, they're not giving your money back to you, they are keeping your money for themselves and they have hundreds and hundreds of lines to tell you about "bank security" and they "really want to protect your identity and your account" and that's why they won't give you your money back, not until you snail mail more notarized documents, not until you answer even more nosey personal questions (and if this goes on for 1/2 an hour or so, then "someone's going to call you back"). But no one calls you back.

Then you get (24/7!!! ) sugary sweet customer service rep's repeating the same lines, same questions, same demands, same lies same lies same lies. With cd's they delay long enough that the cd automatically re-news, then there are penalties to pay, plus more notarized snail mail to notarize and snail mail (and if its not certified mail then they're "so sorry" but they never got that, and if it is certified, then you just lost that fraction of a percent in interest higher than your local bank, then they still need more... )

don't open an ally account. It's not worth it for an extra few interest rate percentage points "promised". It's absolutely not worth it for a few fractions of a percent m

Is this review helpful? ▲ Yes 2 ▼ No 2

Other Ally Bank Reviews

bankaman60's Profile Image

Reviewed by bankaman60

Jan 17th 2015

5 out of 5 marks

Five stars by any measure

I'm confused about the the three-star rating when most of the reviews give a glowing five-stars - maybe there were a few folks who gave one star and that dragged it down? Anyway, as most people have noted, Ally is clearly the best way to go for online banking; and for those who are put off by the lack of brick-and-mortar locations, try thinking of banking differently. If you own a smartphone and a computer, there is absolutely no reason to "go to the bank"! Everything you might ever need to do can be done online and/or on the phone. Ally's phone reps are terrific - smart and patient, knowledgable about the products, and speak clear English (and possibly Spanish as well - I haven't checked). The no fee ATM feature is for real, and it's so convenient. It's also awfully nice to get nearly 1% interest on your savings account when virtually all the other banks give you next to nothing (like .005% or some nonsense, which is effectively zero). You even earn a bit on your checking account. No minimum balances, great online and mobile banking interfaces, great customer service: a winning formula, to be sure.

Is this review helpful? ▲ Yes 2 ▼ No 0

ConsumerReview's Profile Image

Reviewed by ConsumerReview

Mar 14th 2015

1 out of 5 marks

VeryDisappointed

Nothing but problems from day one. I should have known better when Ally screwed up the opening of my account by losing half my paperwork. I figured it was just an honest mistake. Well it's been nothing but problems and I haven't even had the account for a year. I used the smartphone app to deposit a check a few months ago. It was a little more than six months old. No good. Ally said they can't deposit checks over 6 months. Fine. Now I try to deposit a check from my sister. She didn't date the check. I deposit it and get an email a day later saying it was refused BUT it doesn't say it was because it was missing the date. So, I call Ally and ask the rep, if my check is missing the date, will it be rejected? He said no, it should not be a problem. So, I deposit it again using the app and again I get an email saying your check has been rejected because traveler checks, money orders and postal money orders have to be mailed in. Did I mention that this is a personal check from my sister for $30? So, I call up Ally, explain my story to the rep. and she's very sympathetic, but can't help me. I get transferred to Antonio in Tech support. He confirms:

1. The check was rejected because it had no date

2. Mailing it in to Ally wouldn't make a difference

3. The rejection email is very generic (no kidding!)

I've had more frustration with this Ally account in 10 months than I've had in 30 years of having a bank account.

Now back to my local bank where I get a few pennies less in interest but they do deposit my checks.

I closed my account. It's clear to me that wanting to be a great bank and being a great bank are not the same.

Is this review helpful? ▲ Yes 1 ▼ No 0

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