Checking or savings account -- Managing an account -- Complaint #5894289
Complaint Overview
Complaint ID: 5894289
Company: Ally Financial INC.
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Funds not handled or disbursed as instructed
State: Pennsylvania
ZIP Code: 19146
Date Received: 2022-08-18T12:00:00-05:00
Date Sent to Company: 2022-08-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX, we ( fianc and I ) placed a {$15000.00} check in a USPS XXXX XXXX XXXX On XX/XX/XXXX, the check was fraudulently deposited by a person named " XXXXXXXX XXXX, '' rather than the Pay To we wrote of " XXXX XXXX XXXX. '' There is visible white out over the original Pay To line. We noticed the fraud a few days after XX/XX/XXXX and contacted Ally Bank, our banking institution, who reviewed our fraud claim and agreed there had been fraud. They helped us file an affidavit with XXXX XXXX XXXXXXXX, the depositing bank, communicating the fraud and request a return of funds. As of XX/XX/XXXX, we have not had any funds returned, permanently or even temporarily. Ally has not given any indication of timing, and XXXX XXXX XXXX ( for sensible reasons ) refuses to correspond with us given we are not customers of the bank. We are completely in the dark about when, if ever, the money will be returned despite all indications this is an obvious fraud covered under the protections of CFPB Reg E. These are funds for our wedding, which is occurring XX/XX/XXXX, that need to be paid to the wedding venue or our event will be cancelled. We need the funds returned immediately, and the interim, need to know over what timeline we should expect resonation.
Frequently Asked Questions
What is Complaint #5894289 about?
Complaint #5894289 was filed against Ally Financial INC. regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2022-08-18T12:00:00-05:00.
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.