Ally Auto

Initially, I was very pleased i.e. website easy to navigate, check loan balance and online payments. It wasn't until I paid off my auto loan that I had issues. Once you pay off your loan, they don't automatically notify DMV and send you your title. I didn't find this out until I went to the DMV to get a copy and was informed it was still showing a lein, vehicle had been paid off for a year. Came home and attempted to log into account which no longer exists. This shouldn't have been issue, but without an account, you can't log in to "chat" or leave a message. So, of course, I had to call and unfortunately had to converse with someone who was not a native English speaker whose accent was almost unintelligible. (The first one hung up on me.) Next time I will stick with my credit union.

I have also experience the same problem for the past two months, Ally will not let me pay my car note on line, on the phone or even with their third party. I too as a long time customer for 2 1/2 yrs. Have been wrongly done, I also just got my refund back as of 11/18/22 trying to make a payment thru Western Union on 10/15/22.. It took a month exactly to get my refund back. I am truly exhausted with this company, so at this time I don't trust sending my money thru anyone. So please Ally since you have done me and a few of your customers wrong. Tell me how do this company is going to resolve this problem that we all have. Because at this time my car is considered 2 months late and pretty soon this company will try to repossess my car, but that you will not do when I tried paying my note several times to get it current I truly feel that something is not right. That being said every time I call and say I will be calling corporate, the person from Ally customer service representative acts like they can't hear me & then say hello & hang up. This is sad that it has gotten to this point. As soon as I can get someone to take my payments I will be looking for another finance company to take my loan, I truly have had enough of the disappointment and stress with this company.

The issue I have with this company is how they were reporting to the credit bureaus. I made a payment within the 30 days to prevent a negative mark. I noticed they marked me negatively for a month. I wrote them first and told them it was within 30 days. They said it wasn’t. I wrote the credit bureau with the due date and payment date showing it was within the 30 days. I received the the revised report and they removed the negative mark from the month I was disputing, but marked the month before negative. I didn’t think that can happen. So I wrote the company and asked specifically what month I was marked late. I was given 2 months and the month I was disputing wasn’t one of them. (reports only show one). I wrote the credit bureaus again about the negative mark and sent them the message from Ally stating the month in question wasn’t late and a copy of the date which the payment was made showing that it was within 30 days. What confuses me is that the account in question is a joint account so both of us should have the same reporting, which it’s not. I also gave a copy of credit reports from both of us showing this and the credit bureau still did nothing. If this sounds confusing to the reader, its because it is! The good thing is that during the pandemic I was given forbearance and didn’t accrue late fees. I just wish they would report accurately.

I have been with Ally Auto since 2014. And my overall experience with them has been pleasant. Every time I have called in their agents have been friendly and helpful. Their log-in portal on their website is simple and easy to use. However, there is not many features to it- so its main function is simply checking your total. There have been no major issues with them in my 4 years with them. I tried to set up bi-monthly payments and was told I had to fill out paperwork and submit it via mail. After doing that I was informed I couldn't set up bi-monthly payments. Several months later- they set up the feature to do payments online. You still cannot schedule multiple payments in one month, but you can set up your monthly payment online now, which is an essential addition to their website.

Just paid off my auto loan with Ally which they didn’t make easy. After dealing with them for over three years I’d say the website isn’t as strong as it should be and their “support” on the phone is really bad.