A generalized theory of Auger electron transfer processes in the interaction of ions with metal surfaces, including the previously ignored role of d electrons is presented. It is shown that a correct and accurate description of Auger neutralization has to account for the contribution of d electrons, as this is illustrated on the case of He+ ion neutralization on Ag, where the neglect of these leads to a strong overestimation of ion survival probabilities. Crystal lattice site specific rates are calculated and allow for a correct description of crystal azimuthal effects in neutralization.