Consumer complaint received 2019-01-31
Company: ALLY FINANCIAL INC.
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Ally invest won't let me withdraw it. {$790.00} got transferred from my XXXX XXXX account to my ally account and I was charged a {$75.00} transfer fee. Leaving me a balance of XXXX with them that posted on Friday XX/XX/2019 Saturday the XXXX I try to add my bank. Had to wait till Monday the XXXX for approval.They rejected it because they said the names don't match. Bank had my middle initial and my account with them don't. But later I found out both accounts had my full name. So I requested a wire transfer. They said it would go though by XXXX. Monday night I call and see what happened. They said there not sure to call back tomorrow. Tuesday XXXX at XXXX I call and they said everything is good .and at XXXX I call and check they said it didn't process because the bank I was wiring it to was on there blacklist. XXXX Bank. So I gave them another bank. Called back at XXXX. And they said it didnt process because the XXXX was wrong. Which it wasn't. So I sent in 2 more bank accounts. They said it would be tomorrow before it processes. Wednesday at XXXX and they said that the transfer is on hold and the rep on the phone refused to give me a reason why. Said someone will email me and let me know. Wednesday night still no word from ally. So I login in to my account and was able to electronically link one of my other banks. So I tried to do a ACH transfer and it gave me a error and said for me to call them so. I called. The rep. Did not know why it gave a error said my wire transfer is on hold did not know why. So I told him to cancel the wire and do a ACH to my bank that i just added for {$600.00} so he said ok and he put the request though. A few hours pass so I. check my account still no request on my account dashboard and on there website under FAQ its says to check the status online transfer to go look under activity. I look and still nothing So I go and do the request online and it accepted the request and waiting for approval. So today Thursday at XXXX I check my account and the request was rejected. I check my email and said that it was rejected because the ACH profile to that my linked bank account was dead. So i call again. And the rep XXXX XXXX out said that I wasn't getting my money today. And didn't give me a reason. Just wanted to know why I wanted to withdraw my money. Now my account is on restriction. Said I have to wait 10 days before I can withdraw. I asked him why my account dash board has my balance amount under the field line of cash available for with draw today. But you telling me it's not. He said that statement doesn't mean anything. It's just there. And then asked me if I wanted to do a stock trade or buy stock. I told him no he acted like I was breaking up and then hung up the phone. So at XXXX on XX/XX/2019 I log into the app to do a trade and says my account is not available for trade. So I call them again and ask why can't I trade he said because I have a pending with draw. I asked what withdraw because I thought all was rejected or canceled. He said you still have the {$600.00} ACH withdraw request to my linked bank account that the rep put in over the phone.. but that request is on hold and my account is restricted because of all the multiable request of withdraws. The thing that gets me is that the ACH withdraw that I put in online was rejected because the ACH profile was dead. If that's true then the ACH withdraw that the rep put in should have the same error. Because it's the same liked bank account. That they said the profile was dead on. But yet the transfer is on hold. Just does not make any since. 

I'm so sick of banks keeping my money from me. 

Please let me know how I should proceed. 

Thank you XXXX XXXX XXXX

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