Consumer complaint received 2023-08-07
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
OnXX/XX/2023 I was coerced into sending XXXX XXXX dollars ( {$2000.00} ) to a XXXX account of a user I did not know. Again, on XX/XX/2023I was coerced to send XXXX XXXX dollars ( {$2000.00} ) to another XXXX account of a user I did not know. On XX/XX/, I submitted two ( 2 ) XXXX transaction disputes via my financial institution : Ally Bank. 

On XX/XX/, I called my financial institution and kindly informed them that I could not access my account and that I needed to access my funds in order to pay my rent and bills and bills on time. I was told I would receive a call from an investigator. 

On XX/XX/, I followed up with my request. I was told I would receive a call from an investigator. 

OnXX/XX/2023, I received a phone call by the women who coerced me into sending money and was threatened to be " sued '' and " XXXX  '' if I did not cancel the XXXX disputes. 

OnXX/XX/2023, I cancelled the disputes purely out of fear. I was told I would receive a call from an investigator. 

On XX/XX/, I disclosed this information to my fianc who informed me that it is necessary to call the bank back, let them know I was threatened, and to reinstate the disputes. My fianc and I called Ally Bank several times. We were told we would receive a call from an investigator. That evening, I purchased a XXXX XXXX account in an effort to protect my personal and identification information. 

On XX/XX/2023 I called my bank multiple times to follow up with the disputes. Each time I was told either ( A ) there is no information that they can provide me at the moment; or ( B ) I would receive a call from an investigator. I called my bank later that evening and was told that my funds could be transferred to my XXXX XXXX account which was linked to my Ally Bank account so that I can pay my rent and bills. After multiple phone transfers, I was told that they could not help me and that I must wait. 

On XX/XX/, I received a notification from XXXX XXXX alerting me of someone attempted to open an account and/or a transaction with XXXX. I immediately called and informed them that it was not me. I also discovered on that day that someone opened a credit card with XXXX XXXX XXXX XXXX  under my name with my identify/personal information. The date the credit card was opened was on XX/XX/. I did not open this credit card and did not authorize anyone to do so on my behalf. I am not an existing customer of XXXX XXXX XXXX XXXX. I notified XXXX XXXX XXXX XXXX  of the account being unauthorized. Later that day, I filed a report with the Federal Trade Commission. I called my bank and provided them with the report number. 

On XX/XX/, I filed a police report and called my bank to provide them with the information. 

Today, I received a phone call from XXXX XXXX informing me of suspicious activity being made with an account associated with my social security number. The date the account was opened was on XX/XX/. I did not open this account and did not authorize anyone to do so on my behalf. I am not an existing customer of XXXX XXXX. I notified XXXX XXXX of the account being unauthorized. 

Throughout this time, I made a conscious effort to update Ally Bank of all fraudulent acts, my being threatened, and requested that I gain access to my funds to pay my apartment rent and bills. 

I discovered that my financial institution " Ally Bank '' closed my bank account and that I would no longer be able to bank with their institution again. 

Each time I called my bank, I kindly informed them that Ally is my primary bank account in which I receive direct deposits from my employer biweekly and I use that account solely to pay for my bills. I have been charged with numerous late fees, angry phone call from my landlord, and could possibly be served with an unlawful detainer because of this.

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