Sad

LOL… just a little hint.

I love my job. I love talking to customers like i’ve known them my whole life. I’m sorry you all had bad experiences. There are different call centers and honestly most of them really don’t know jack shit about what they are doing.

I mean really if I want my password hint to be a string of the worst cuss cusswords in the english language I bloody well will. Their job is to provide a finacial service. Not to correct my foul mouth.

They may have great rates, but I would rather go to a bank that does not treat me like a naughty chld.

Are you kidding me? After faxing them a copy of me and my wife’s drivers licenses, an electric bill, and the soft hit on my credit report?? I think I was even more surprised because I had been approved for a mortgage a week later (with an approximately equal amount of disclosure).

Their customer service is terrible, they wouldn’t refer me to a manager, and I will not do business with them for any reason whatsoever. There are plenty of online banks with lower advertising budgets and comparable interest rates. DO NOT fall for the hype – appreciate the benefits of good customer service instead.

My wife and I tried to open a CD account with them. After several back and forth phone calls and requests to establish our residence and mailing addresses (in addition to our original paperwork and copies of our drivers licenses they wanted utility bills and a copy of our PO Box receipt), we told them to return our money. Their customer service said they would send our original check back. They didn’t. We never had an account with them but they cashed our check. Our bank statement showed the check was paid.

When I called to ask why my check was cashed, no one could explain. They told me that they would send my complaint to an escalation team for immediate resolution and they would call me back with the results 2 days later. No one ever did. When I called them to find out the status of my check, I was told that my account was pending and that in 5 days or so, they would review the matter. After yelling at the CSR, I was put on hold and eventually told by the rep that she made a mistake, my check was already mailed. I would have it in 7-10 working days.

A few days later, Ally called me again. This time, I was told that I would have to prove that the check had been cashed in order to receive a refund. So basically, they never opened an account for me, they cashed my check, lied to me that they had already refunded my money, then called me and told me that I had to prove my check had been cashed to get a refund. This is after they acknowledged receiving the check and accidentally cashing it. They knew the check number and the amount but still no refund. Unbelievable.

In all, they’ve held my money hostage for a month. Someone either lost or stole my check and they won’t give my money back yet. Don’t give this company your business.

Do you think this is just an inconsistency on their part or a sneaky way to convince you to do the CD (and therefore lock your money in) rather than the savings account?

“Thank you for contacting Ally Bank. The credit analysis is performed to comply with the USA Patriot Act passed October 1, 2001. In order that we meet our obligation under this Act, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. We do a soft pull for a CD account. We do not ask for a credit score or other credit information.”

Hooray!