Consumer complaint received 2023-07-15
Company: ALLY FINANCIAL INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Ally Bank has consisted and transacted in a fraudulent manner and refuses to resolve the issue or try to resolve the situation in which they have created. Ally Bank Opened a Checking and Savings account in my name with stolen information on or around XX/XX/XXXX. I am a victim of identity fraud, and these applications for both of these accounts were not authorized nor approved by me. I have extended fraud victim alerts on my credit files which specifically states that before opening an account or approving an application I MUST BE CALLED and IT MUST BE VERIFIED I AM Opening the account or application. Yet Ally Bank, Opened both checking / savings account and did not contact me asking if I approved the application. These applications overall are fraud. Additionally, Ally Bank never sent me any documents, they did not send me any debit cards or even verify my information. I can not login to said account 's nor could I ever view what transactions occurred because ALLY BANK again didn't verify my information. When I try to retrieve or login to the account based on the credit file it says it tries to text some phone number that doesn't match mine ( Ending in XXXX ) It also says XXXX email addresses I have never owned XXXX, and XXXX Neither email address is owned nor can I retrieve any emails from said email addresses. I do not own the phone number ending in XXXX. Additionally Ally bank closed this account originally for identity fraud, but later reopened the account and charged it {$4400.00} IN CHARGES. Again unauthorized charges. I did not conduct business with their merchants, and I did not receive any monetary benefits from said transactions. I do not work for the employer they had depositing in the account either, nor have I ever. I spoke to their fraud department and this was supposed to be taken care of MANY MONTHS AGO, but instead ALLY Bank Sent this to XXXX and XXXX XXXX XXXX stating ( Account Closed for Cause OVERDRAWN ). I did write in to Ally Bank to dispute this debt and Ally bank did not contact me back, and instead called my family members to harass them telling them they will collect this debt and I WILL Pay it. I refuse to pay something I did not accept responsibility for, nor did I ever Approve these accounts to be opened in the first place. These are fraudulent applications and all transactions on these accounts are FRAUD. This is damaging my credit and not at fault to my own. So I expect Ally Bank to provide monetary relief for lying to XXXX for an account I didn't authorize just because ALLY Bank wants to collect the debt and the easiest way for them to do so is abusive practices and Lying about the victim instead of the thief. I do not own these account 's and I do not accept responsibility again. These accounts are fraud and can not be retrieved I did not receive any DEBIT Cards and I have not physically called these people.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation