Consumer complaint received 2015-09-08
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: ALLY FINANCIAL INC. (UT)

I opened a checking account and a 0.99 % interest savings account with Ally Bank because they said their savings compounded daily. I received an email from them that I had been verified, which means my information checks out and they took money out of my personal checking account to fund the XXXX accounts I had opened with Ally Bank. I also sent a email to them using their own site asking them if they could change my mailing address to a XXXX Box I 'm renting and gave them the info for that. Then they blocked my account. I called them and they said my accounts were considered fraudulent and I had to send them more information. They gave me the number of someone who works in their loss prevention department named XXXX over in Texas. I called him twice and left a message XXXX times and nothing has come from that. His number is XXXX. I have sent an email to Ally Bank through their website expressing my disappointment with how their Bank does business. I called before XXXX holiday and talked with another person from Ally Bank and told them I had reported Ally Bank to the Federal Trade Commission and the resolution I want is my money back and for my accounts with Ally to be cancelled and they better not have done a credit check on me. It is now XXXX XXXX, the day after XXXX XXXX. I called again just now and talked to someone on Ally Bank and gave them all of my info again ( I do this every time I call ) but they still wo n't unblock my account and this time I got hung up on probably when the guy put me on hold he did it wrong. Or perhaps they just want to rub it in. Basically I thought I was getting a good deal because my personal savings account offers 0.10 % interest rate but Ally Bank verified me, took my money, and then declared me fraudulent. So how do I get my money back??? I already passed their verification test and they sent me an email saying they were sending me a signature card to sign in the mail. So if they could in fact not verify me why did they transfer the money? Now they wo n't give it back. They ca n't operate this way. My financial institution where my personal checking and savings are with has agreed to dispute the transfers to Ally Bank so I 'll be going in later to fill out paper work. Also when filling out the online application for Ally Bank after ward it asked me questions about my credit report. That was weird. I was never told at any time during the application process my credit would be checked. I asked a person when I called Ally Bank but they did n't answer my question. If Ally Bank did check my credit without telling me I will be unhappy about that and they need to take that off my credit reports if they did and put a statement on their website that says they check credit reports when signing up. I signed up with a different online account just for savings a few months ago and that online savings account does not do not do credit checks of applicants so I was expecting the same thing from Ally Bank as they have no statement about credit being checked when applying for any accounts. Also on XXXX, yesterday, I received an email from Ally Bank saying I have a secure message from them and to sign into my account. I ca n't I tried again but because they believe my account to be fraudulent and they want me to prove I am who I am. If they believe my account to be fraudulent then why are they sending emails to me to log into my account? Something is not right, Ally Bank is screwing with my personal info and my money. After typing up this report I tried to sign in again with Ally Bank and my account is still blocked. So I 'm figuring the guy I talked to 56 minutes ago really did hang up on me on purpose. All of this nonsense for a total of {$20.00}? Really? That 's how much I setup to be transferred in total to Ally Bank.