Checking or savings account -- Managing an account -- Complaint #4384197
Complaint Overview
Complaint ID: 4384197
Company: Ally Financial INC.
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Problem using a debit or ATM card
State: Washington
ZIP Code: 98686
Date Received: 2021-05-17T12:00:00-05:00
Date Sent to Company: 2021-05-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX I purchased an engagement ring from XXXX XXXX for {$5000.00}. My debit card was declined, so I called Ally Bank. Ally advised me that they removed the block and to go ahead and retry the card. The card declined again and Ally advised me to retry it again for {$4900.00}. This repeated several times until a transaction eventually went through for {$4900.00}. On May 17th I noticed that 6 duplicate transactions went through for this purchase. 1 was the last one that went through, 1 was automatically reversed by the merchant, and 4 were uncorrected duplicates. Of the 4 uncorrected duplicates, 2 were for {$4900.00} and 2 were for {$5000.00}. These totaled {$19000.00} in uncorrected duplicate charges, overdrafting my account. I called Ally to have this corrected and they advised me that the dispute process would take 10 days after which I " may '' be awarded provisional credits. I advised them that I could not afford to be short {$19000.00} for two weeks, but they said they couldn't help me. They advised that the merchant couldn't help me either since this was a bank error, not a merchant error. Why can they not grant me a provisional credit when they know it's their error?
Frequently Asked Questions
What is Complaint #4384197 about?
Complaint #4384197 was filed against Ally Financial INC. regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2021-05-17T12:00:00-05:00.
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.