Checking or savings account -- Managing an account -- Complaint #7098957
Complaint Overview
Complaint ID: 7098957
Company: Ally Financial INC.
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Problem accessing account
State: Georgia
ZIP Code: 30305
Date Received: 2023-06-10T12:00:00-05:00
Date Sent to Company: 2023-06-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Ally Bank has frozen my check and savings accounts, and is refusing to reopen them, because they claim that they were unable to verify the identity of my wife ( who is a joint account owner for these accounts ) during a recent phone call she had with their customer service department. When asked, Ally Bank informed me that the birthday my wife provided to them on the call ( for verification purposes ) did not match the one they had on file for her. We have double-checked the form we originally sent to Ally Bank when I first added my wife as a joint account owner of my checking and savings accounts, and have confirmed that the birthday provided on the application form is indeed her correct birthday. This indicates that Ally Bank made an error when inputting her information provided on that form into their system, resulting in the birthday they have for her on file being different than the one we provided to them ( the one we provided to them being her real birthday ). I have spoken with Ally Bank multiple times about this, but they continue to insist that there is nothing we can do about this until they " complete their investigation ''. This process has been ongoing for weeks now, leaving me without access to any of the money in both my checking and savings accounts. If the issue is not resolved quickly, it will result in me incurring significant fees as my bills ( auto loan, credit card, rent, etc ) start to pass their due date. Ally Bank has informed me that they will not reimburse me for any fees, penalties, or interest I will incur as a result of not having access to my money due to an error Ally Bank themselves made, and to which neither I nor my wife had any control over. I have sent a copy of my wife 's government issued ID showing her correct birthday, but Ally Bank has refused to do anything with this information.
Frequently Asked Questions
What is Complaint #7098957 about?
Complaint #7098957 was filed against Ally Financial INC. regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2023-06-10T12:00:00-05:00.
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.