Consumer complaint received 2017-10-07
Company: ALLY FINANCIAL INC.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
For over a year now, I have requested an ATM card to access my money in my savings account with ALLY bank. They claim that I can not have an ATM card unless I have a checking account. I have submitted several applications for a checking account and been denied. The bank gives different reasons which the primary reason is false and I have evidence to support this fact. I was informed in writing that I have something on XXXX. I do not and XXXX has never had a file with me. XXXX  sent me a letter verifying this information. ALLY still refused and came up with a credit score as the excuse. However, my credit score has never prevented me from recently getting two major credit cards. It does n't make sense.
I can not access MY OWN MONEY deposited into my savings account. I do n't understand how a financial institution can hold onto my money and give me no accessible card to access my money. I am told I would have to do a transfer wire or have ALLY send me a check -- all of which takes several business days. There 's no way to get emergency cash if I need my money from my savings account.
The issue began with a previous checking account where I was overdrafted {$5.00} in XX/XX/XXXX. I had overdraft protection on my checking account and ALLY took the {$5.00} from my savings account. In retaliation, they closed my checking account afterwards. However, I continued trying to do business with them because of some friendly customer service reps. One gentleman even offered to open a Money Market for me along with keeping my Savings account. I told him this is almost the same as having a Checking account since he said I would have a card. There would be limited withdrawlals and fees for the bank 's advantage, so I refused. I was finally advised to open a second savings. I thought after a while, I could apply again for a checking account. This requests has been and still is denied. I requested my last application for checking on XX/XX/XXXX. After receiving a message with a reference number, I knew the company 's behavior would be the same. I immediately made a final decision to stick to closing out everything with them. I can not and will not do business with a bank who does n't even have the decency to know a customer should have the right to an ATM card if they have a Savings account with their bank.
I would like CFPB to know that the last attempt to report this complaint went unresolved as late as XX/XX/XXXX. ALLY 's executive office responded with a pathetic computer generated email as follows : Thank you for taking the time to let us know of your concerns. We have received your complaint from the Consumer Financial Protection Bureau and will investigate your concerns. We will be responding in writing.
If you have any further questions or need assistance in the future, please feel free to contact the XXXX XXXX XXXX, XXXX, Monday through Friday, XXXX XXXX to XXXX XXXX Eastern Time and Saturday, XXXX XXXX to XXXX XXXX. Eastern Time.
Sincerely, XXXX XXXX Executive Resolution Specialist | Deposit Operations XXXX XXXX XXXX XXXX MC : 1XXXX XXXX XXXX XXXX, PA XXXX T + XXXX | F + XXXX | XXXX ALLY did not ever provide me an ATM card. I do not advise online banking with banks like this because it 's impossible to get access to your money when needed with this type of business practice and low business ethic.

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