Consumer complaint received 2023-12-15
Company: ALLY FINANCIAL INC.
State: ME
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/XXXXXXXX   Dear Consumer Financial Protection Bureau : Evidence indicates that I, XXXX XXXX, the owner of the two ( 2 ) bank accounts and one ( 1 ) investment mentioned in this complaint, have NOT received, at minimum, any printed bank statement ( s ) from either of the Subjects in this complaint, Ally Bank and/or Ally Investments, since I discovered on XX/XX/XXXXXXXX  that the Subject banks in this matter, Ally Bank and/or Ally Investments were, are, and continue to illegally and unlawfully bar my online access to any and all of my three ( 3 ) accounts at Ally Bank and Ally Investments . Subject bank ( s ) assert, in Subject bank 's response to my Consumer Financial Protection Bureau complaint number XXXX on XX/XX/XXXXXXXX  that " On XX/XX/XXXX, when you opened your Spending and Savings Accounts ending in XXXX and XXXX, respectively, you agreed to the consent. '' Thus, the Subject ( s ) Ally Bank and/or Ally Investments requirement on or about XX/XX/XXXXXXXX  demanding my re-consent, to consent a second time, to terms Subject ( s ) allege were already in full force and effect since " XX/XX/XXXXXXXX  '' makes the demand ( s ) of these Subject ( s ) on or about XX/XX/XXXXXXXX  redundant, arbitrary, capricious, and completely unnecessary. As a direct result of Subject banks ' arbitrary, capricious, and malfeasant placement of a redundant and unnecessary intervening web page between my former ability to log into my accounts with my subsequent access to my accounts at stake, Subject ( s ) Ally Bank and/or Ally Investments are and continue, in fact, to obstruct my former access to my bank accounts at Ally Bank arbitrarily , capriciously, and malevolently. I have not been able to access any one of my three accounts at Ally Bank and/or Ally Investments for over a month and a half. Subjects Ally Bank and/or Ally Investments have not provided me any printed bank statements, have not provided me any way to access or to administer my accounts since Subject ( s ) Ally Bank and/or Ally Investments arbitrarily, capriciously , and malevolently placed Subject ( s ) ' intervening web page between me and my former online access to my accounts, including and thereby criminally impeding my former ability to trade using the Ally Bank website through which , prior to XX/XX/XXXX of this year, I had not been impeded and wholly blocked by the Subject ( s ) Ally Bank and/or Ally Investments from administering my three ( 3 ) accounts. 
Subject ( s ) Ally Bank and/or Ally Investments are attempting and continue to attempt to extort more favorable contract terms capriciously, arbitrarily, and malfeasantly amended by these Subjects Ally Bank and/or Ally Investments by way or by means of extortion and extortive business practices and embezzlement and malfeasance directly resulting from Subject Ally Bank and/or Ally Investments extortive and extortionate business practices , one-example-of-which is their arbitrary and malfeasantly placed demand for consent to amendment to contract terms that their letter of XX/XX/XXXXXXXX  indicates was first established on " XX/XX/XXXXXXXX  ''. 
Furthermore, the simple fact that the Subject ( s ) Ally Bank and/or Ally Investments Customer Service Representative did not and has not completely identified him or herself with their first and last names on their reply dated XX/XX/XXXXXXXX  to the Consumer Financial Protection Bureau or to me, the complainant, indicates and is highly suggestive of the fact that employees and/or executives at Subject Ally Bank and/or at Subject Ally Investments are attempting to impede any and/or all legal processes to remedy the harms caused by Ally Bank and/or Ally Investments in this or these unresolved and ongoing matter ( s ). Exactly how is process to be served when Defendants refuse to identify themselves? 
Please advise. 

Very truly, XXXX XXXX cc : //

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