Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #19541717
Complaint Overview
Complaint ID: 19541717
Company: Ally Financial INC.
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-Issue: Transaction was not authorized
State: New Jersey
ZIP Code: 079XX
Date Received: 2026-02-16T12:00:00-05:00
Date Sent to Company: 2026-02-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a complaint against Ally Bank for improperly denying reimbursement for an unauthorized electronic fund transfer in violation of Regulation E ( 12 CFR 1005 ). On XX/XX/XXXX, my Ally Bank XXXX XXXX was used for a Point-of-Sale transaction in the amount of {$760.00} at XXXX XXXX XXXX, XXXX XXXX This transaction was fraudulent and was not authorized by me. I did not make this purchase, was not present at the merchant location, and did not provide my debit card or authorization credentials to any person. I reported the unauthorized transaction promptly to Ally Bank on XX/XX/XXXX. Ally Bank issued a provisional credit on XX/XX/XXXX, but on XX/XX/XXXX, they reversed the credit, claiming the transaction was authorized and correct. Ally Bank has not provided any evidence demonstrating that I authorized this transaction, such as : Verified PIN entry Signed receipt Chip authentication proof attributable to me Device, IP address, or geolocation evidence linking the transaction to me Under Regulation E, the burden of proof is on the financial institution to demonstrate that the transaction was authorized. Simply asserting that the transaction was authorized without providing supporting evidence does not satisfy their obligation under federal law. I exercised reasonable care in safeguarding my debit card and reported the fraud promptly. Ally Banks refusal to reimburse the unauthorized electronic fund transfer improperly shifts liability to me, contrary to Regulation E consumer protections. I am requesting that Ally Bank : 1. Reimburse the full {$760.00} unauthorized transaction immediately 2. Provide documentation supporting their authorization determination 3. Confirm correction of my account balance Ally Bank has failed to comply with its obligations under Regulation E, and I am requesting CFPB assistance to resolve this matter.
Frequently Asked Questions
What is Complaint #19541717 about?
Complaint #19541717 was filed against Ally Financial INC. regarding Checking or savings account specifically about Problem with a lender or other company charging your account. It was received by the CFPB on 2026-02-16T12:00:00-05:00.
How did Ally Financial INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against Ally Financial INC.?
Yes, visit the Ally Financial INC. company profile at readthecomplaint.com/company/ally-financial-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.