Ally is a leading digital financial services company that is committed to making banking smarter and simpler. The bank offers competitive rates on savings accounts, high-yield CDs and money market accounts, a mobile app with easy navigation, and a large network of fee-free ATMs. In addition to these great features, Ally also provides a number of perks for customers, including no monthly maintenance fees or minimum balance requirements. Customers can access Ally’s banking services from any computer or smartphone.
Ally also offers free overdraft protection transfers from a linked Ally savings or money market account, if needed. This is a great feature, especially for those who tend to use their checking account frequently. Customers can also opt-in for a service called Temporary Overdraft Coverage, which is activated when an overdraft transaction occurs and uses funds from a linked Ally savings or money markets account to prevent a negative impact on the customer’s credit report.
If you have an issue with your Ally auto loan, you can try reaching out to the business via email, or by calling their toll free customer support line. You can also use their online chat feature, which is a convenient way to get answers to your questions quickly. Additionally, the Ally Auto website is chock full of information and resources, including specific links based on what type of vehicle you own, a car buying guide, and a monthly payment calculator.
While Ally has a very strong online presence, its phone customer service is not as good as it could be. Wait times can be long, and representatives may not always fully understand the question or concern being asked. During a call with Ally, I waited more than 30 minutes to speak with a representative. I was told they were experiencing a higher than normal volume, but that is unacceptable. In addition, the rep was very rude and did not seem to be able to provide any useful information to me.
Lastly, the Ally Auto chat feature is a little hit-or-miss. They can be very helpful and quick to respond, but sometimes they take a while to fully understand your question and provide an answer that is clear and comprehensive. Their online email response time is also a little inconsistent. In some cases, you will receive an answer immediately and in others you might have to wait up to 2 days for a reply.
Ultimately, Ally’s customer service is not the best in the industry, but it is still better than most of its competitors. The company’s goal of ‘making banking smarter and simpler’ is reflected in the way it treats its customers. However, if you are not happy with your Ally customer service, there are legal alternatives. You can file a complaint with FairShake, which is an online dispute resolution service that allows consumers to share their experiences with companies they have had issues with. While your user agreement might bar you from filing a class action lawsuit, you can file an official dispute using consumer arbitration.