Consumer complaint received 01-03-2018 about Checking or savings account (CD (Certificate of Deposit)) with ALLY FINANCIAL INC. (FL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I thought my CD 's were listed in maturity order on the bank 's website. Based on that, on XX/XX/XXXX I instructed bank to take action ( done on internet ). 15 minutes later I discovered the CD 's were not listed in that order, so I IMMEDIATELY called to void those instructions. 
I was advised ( on XX/XX/XXXX - same day ) there was a 25 minute wait to speak to someone. I waited 30 minutes and the recording still said there was a 30 minute wait. I tried to call again about 2 hours later but had the same results ( I had waited 25 minutes ). So I attempted to use the " chat '' feature on the website to reach someone - but a note popped up saying that the ''chat '' feature was not available. 
So I sent them an e-mail ( do not have copy of this ) - Received a receipt of my e-mail from the bank on XX/XX/XXXX, which basically said they received my e-mail and would reply within 24 hours.

On XX/XX/XXXX I went through a similar procedure- knowing that I had to act before XX/XX/XXXX to get the action I wanted. This time themessage said that the wait was 65 minutes. I again sent an e-mail using their website to communicate. I also called again on XX/XX/XXXX at XXXX on XX/XX/XXXX ( they claim they are open XX/XX/XXXX ) with same wait time ... so I e-mailed them again. 
On XX/XX/XXXX, I called at XXXX XXXX and again at XXXX XXXX with the same results. 

Finally reached them on XX/XX/XXXX. spoke to XXXX XXXX. She claimed they had call center go down. She ( and subsequently a supervisor, XXXX XXXX, refused to take any action on my behalf because the time to get the action I wanted had expired. I told them that it was their fault I could not reach them in time. But they refused to do anything to help me. I asked for the phone number of their executive office and they refused to give that to me - only a PO Box to write to. 
My complaint is that where a bank is only accessible on the internet there must be a manner for customers to reach them on an emergency basis. If I were desperately in need of withdrawing money, I would have no way to do it. Such a situation is unconscionable and whatever laws, rules or regulagtions exist must be amended to protect depositors. By electing to do business solely on the internet HAS to make them have a manner of reaching someone immediately. In addition, depositors should not be penalized by the failure of the bank 's system and their unwillingness to compensate for problems they al ; one create. The bank should have to prolong offers for the length of depositors ' inability to reach someone and act on bank offers. 
The net result is that I lost at least .45 % on my funds for 12 months. I want the bank to make good on the rates they offered between XX/XX/XXXX and XX/XX/XXXX. I want my CD # XXXXterminated and the balance, less the penalty put into their one year CD at 2 %. 
I want them to establish an emergency phone number to be used when their main numb er is swamped or I want them to be responsible to immediately switch a sufficient number of people to their other call centers so this can not happen. They chose to opeerate only on line so they must protect against these situations.

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