Michael Walker

Review of ALLY FINANCIALS – DETROIT, MI

DO NOT FINANCE YOUR VEHICLE WITH ALLY!!! By far th...

DO NOT FINANCE YOUR VEHICLE WITH ALLY!!! By far this is the worst experience I have ever had the misfortune of going through. All is well as long as there isn t any issue with your account. I used Ally a second time to finance my 2017 Chevrolet Colorado. Long story short I had issues with my vehicle which were never addressed so I filed a lemon law claim against the car manufacturer. I won my case and was in the process of having General Motors send the payoff to Ally. I called Ally beforehand and explained what was happening and that I was requesting a payoff. I made a very specific request which was continually ignored and I spent many hours on the phone attempting to correct the issue and get the appropriate documents GM required. After that was all done I explained to Ally that I cannot make anymore payments since the request would need to be completely re-evaluated if any changes were made on the amount I currently owed. On July 8, 2018 I reached out to Ally to ask for an extension on my due date which was July 24, 2018. They refused this request and I also asked to have the payment added to the end of my loan which was also denied. I explained that this was the second loan I had with Ally and I had never missed any payments and completely paid off my first loan of $65,000. I reiterated the fact that I had no control over when they would revive the payment but I couldn t make any more payments as this would change everything. All they told me was that it wouldn t be late until 30 days after the due date so no help on their part. The payment had not even been late more than 5 days and I was harassed every single day by collections for the payment. Once I had enough I explained the representative that I had called on on many occasions to let Ally know what was going on at every stage. It seemed they didn t believe my story with the lemon law buyback from GM so I stated I would provide my lawyers information so they could verify what I was saying was true. At this point they discontinued talking to me regarding my account although I had explained the lawyer was for the lemon claim and wasn t for them. That took time to correct but I finally got access to my account. They reported me as being 30 days late to the credit bureau although I continually explained the situation and kept Ally informed of the status every step of the way. I requested they remove this derogatory information but denied it. I was also reported a second time of 30 days late although my loan had already been paid. Thanks Ally. I have filled a dispute with the credit bureau. This company is completely eased up and not willing to work with customers so this is my honest review of you. Oh and you re welcome on the BBB claim should be heading your way. You will not get another penny of my money and I would recommend that no one ever use this business.
Update 11/28/2018: The insanity continues which made me so angry I had to return here to let everyone know. My vehicle has been paid off for months now and a refund was finally issued for my warranty and service package. I figured this would be as easy as them receiving the refund check and then cutting me a check. This process has taken an additional month and I still do not have my money. I finally got word they mailed it but wow this is just stupid. My warranty refund was issued and Ally admitted to having the refund check. They explained that it took 10 days to process and bunch of other mumbo jumbo which added up on the timeframe when I would get my money back from them. They harassed me every single day at all hours when they thought I still owed them money and now that they owe me money I am chipped liver. BBB complaint is coming your way again. What a useless company please beware my friends.