Consumer complaint received 2022-11-19
Company: ALLY FINANCIAL INC.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I have not been able to open a real bank account to access money XXXX XXXX to be able to pay for food, a place to live, clothing, among other much needed things. The banks have been scamming me. Getting my accurate info from me yet reporting my information inaccurately causing me to loose all my deposits to closed accounts after they open accounts that I learned were not sufficient in fact overcharged me to the point they have taken all my cash on hand for years. To the point I can not open a bank account. Although I was told nothing was wrong and that I can open yet when I go in person because it says I cant open online as I should be able to I be blocked with a message I need to contact the branch who then would tell me to come in so they could verify my identity. When I would waste my time and overcome the challenge to get there to see a branch manager, they would tell me the accounts they have and the one that they can open for me, they charge me {$25.00} and other fees just for something that comes with the account they said the fees was for a debit card and account opening yet the accounts never worked. Causing me to use all my cash on hand at times to cover the cost in payment when I am not a printing press or they did not give me the money deposit in cheque or debit card, while I would always have to use the money cash at the time I had on hand for other purposes to use. However I got scammed by the managers of some of these banks opening up checking accounts on my behalf yet really for themselves I am convinced because they have been mixing my social security number with their individual business name is what I have discovered, its businesses who have done this according to a consumer reporting agency who notified me my personal identifying information was being reported with another individuals name and they told me it wasnt a person yet it was a business. They didnt name exactly which business yet they said they would no longer report that inaccurate mixed information in those files with the consumer file they had verified me and realized that the information that I guess was sold to them or reported to them which is considered a sale I have learned in the business world, they reported misinformation intentionally to cause me to be overcharged, account to seem insufficient, to loose all my deposits on those accounts after they have been closed my guess now that I know for a fact first hand, to act like they are collecting a debt that I do not owe, in fact they owe me, could be the very reason they change my identity all the time even after verifying my accurate information, and report negative misinformation intentionally all though I am a true victim of fraud and identity theft from individuals employees in those positions who lie to me about the account features and them working for me to be able to make payments to buy food etc, just so that they can get my information and open up checking accounts so they can pay themselves by scamming me. I am not able to open up not one bank account online by myself or with the help of the banking agent where I am instructed to call through the online open account section of the banks website page, although they get all my information upon attempting to open a bank account to be able to access money payments system to be able to access cash to pay in full as the checking account seems to. Yet for me I havent seen it work since I was told I needed to get a checking account to be able to access the Payment systems to be able to cover the cost no matter high or low. I have not been able to do that. I have been to more than one bank to try to get a account to be able to pay for food, a place to live l, to be able to provide for my children as I should be able to do at all times for our day to day needs and wants. In the past I have been being scammed by these insufficient banks and overcharged as well as money stolen, as well as lost all my deposits after the bank closures after I have made many deposits to just to learn not only from the feeling of the experience of going without much for years, but from another bank where I tried to open a checking account who actually told me I was a victim of fraud and identity theft instead of scamming me totally. They notified me and I called the places they said to call is how I learned of the false reports being fraudulently reported. Which is so unfair to the point that I can not open a checking account. I get through the set up but then once it gets to the completion, I get a response that the checking account can not be opened and I would get a letter. Even up to this day. I have lost millions over the past XXXX years added up because I am now in my XXXX and have yet to get a sufficient real checking account that I can really access cash to cover payments for everyday needs and wants. Even up to this day I have not been able to open up a checking account and all the checking accounts I have ever had opened up on my behalf after going in a business branch, I ended up being scammed by the bank managers and employees opening up checking accounts on my behalf. Even then when they were opening the accounts I felt something was wrong because the accounts never worked as it said it should for personal family and household needs. Non commercial I am not a small business I am not a big business I am not employed by anybody. I do not owe any debts I am not a borrower none of that. Yet thats how the bank individuals would treat me and the checking account like they was collecting from me money I didnt even have for those purposes to overpay and be overcharged is what they were doing to the point I have lost so much and can not even open a bank account because of it to even pay for food to feed myself and children. Although things that are happening now and I.n the past to me can change, as I am typing this report complaint, I have a half of bag of rice left that my children I have make left to eat for now because of not being able to open a real checking account so that I may access XXXX XXXX money payment system as I shall be able to. I dont know what else to do. We are tired of this mess that no one is correcting and stopping from happening although I have verified my information accurately and noticed who say they are law enforcement, nobody has done anything to help me stop this from happening to me so that I may help myself and my children. I am not able to open a checking account because they are reporting false information as accurate and continue to report this information as accurate even after they are aware that its wrong also mixing their negative files with a consumer file that I didnt even apply for and know that I had until I learned about the identity theft and fraud being done by what I know and can say for a fact is the banks manager employees for what got to be for their own benefit to scam me as they have been for years even up to now when I can not get a checking account because of it. I verified with the United States treasury department who said this should not be happening. I was able to learn through that department after I told the supervisor in the office I was giving the number to by a state office employee, what was happening to me for years but didnt know until XXXX for a fact had been being done, The supervisor verified my social security number and said none of my transactions should never decline and I was not on the do not pay list and this should not be happening told me to call law enforcement as I did but nothing has changed other than now we have no food. No real resolve or compensation for this happening to me yet. I was giving this agencies information again recently by the state of XXXXXXXX XXXX XXXX  department who are very aware I have not been able to open a checking account, access and of the money due to me, among many of the terrible things I have been experiencing over the years in both the state of XXXX XXXX and the state of XXXX XXXX when it come to opening up checking accounts at the banks that are said I can go to access my cash and provide for myself and my children with. I havent as of yet had a real sufficient checking account yet.

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 non-monetary relief