Consumer complaint received 2026-03-01 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
This is my second complaint on same issue as Im not allowed to talk to anyone and they continue to make mistakes BUT ALLOW NO ACCESS TO SOMEONE TO TALK TO. Biggest mistake is I had told Ally Bank from the beginning it is not " ROLLOVER '' money used. IVE TOLD THEM REPEATEDLY IT WAS MONEY FROM SAVINGS AND MONEY EARNED FROM YEARS PRIOR TO 2025 INSTEAD THEY PUT AS A ROLLOVER. I had made a mistake in over contribution and got the refund FROM OVER THE LIMIT CONTRIBUTION FROM PRIOR YEARS OF MONEY EARNED BEFORE XXXX, This is suppose to be coded as " P '' in box 7 of 1099 Now they are coding the 1099-R as early distribution which it is not. Also as distruibution for tax year XXXX money earned. ITS A REFUND OF OVER THE LIMIT CONTRIBUTION FROM TAX YEARS PRIOR TO XXXX. IVE HAVE REPEATEDLY TOLD THEM THIS OVER AND OVER AND THEY REFUSE TO GET IT RIGHT. They are also claiming to be making these phone calls to me and then claim because I dont answer then somehow IM IN THE wrong vs them allowing me to call and talk when im available. They never have anyone available when I do. I work! Ive even told them times Ive had available and they dont call. The calls in XXXX were not from a IRA specalist it was from their compliant dept. I called back numerous times and no one ever picks up the phone Ive left numerous messages. No one calls me back. Never did I receive a call from a EXECTUIVE CUSTOMER RELATIONS ANALYST '' THAT IS A FALSEHOOD. THE CALL WAS FROM A COMPLAINT DEPT PERSON AS I FILED A COMPLAINT ABOUT LACK OF RESPONSIVENESS They do no allow me to talk to anyone in regard to my issue. Not once. They play these games of not allowing you to talk to someone when you call, tell you someone will get back to you in 2 to 3 days, no one does, they will not take any messages in the portal beyond giving you a reference number but no one to talk too. I DID CALL BACK REPEATEDLY IN XXXX AND WAS ONLY TOLD I HAD A REFERENCE NUMBER NO RESOLUTION MADE TO MY CONCERNS. NO ONE TO TALK TO ONLY A REFERENCE. NUMBER SO THERE ARE LIES IN THIS CLAIM ABOUT THEM ATTEMPTING CONTACT WITH ME. I have told them repeatedly the over limit contribution was from prior tax years with money I already paid taxes on. This WAS not money that was used from tax year XXXX in fact the IRA XXXX was opened at the beginning of tax year XXXX from money earned in previous years and paid taxes on They had it as a rollover when it was not, Now they are coding 1099-R wrong. THEY NEVER LISTEN TO YOU. I EVEN FOLLOWED UP WITH A PHONE CALL BEGINNING OF XXXX TO CONFIRM THEY HAD IT AS REGULAR XXXX CONTRIBUTION AND NOT A ROLLOVER AND WAS TOLD THEY DID. THEN THEY PUT AS A ROLLOVER. It should be coded as P in box 7. THIS IS MONEY FROM PRIOR TAX YEARS BEFORE XXXX!!!!!!!!!!!!!!!!!!!!!!!!!!!!! they do not allow me to talk to anyone there and play phone tag games with me I need to file a second complaint. THE RETURN OF OVER LIMIT FUNDS ON MY XXXX IRA WAS NOT MONEY FROM EARNED IN 2025 IT WAS MONEY EARNED AND SAVED IN PRIOR TAX YEARS AND ALREADY TAXED. in fact I opened it at beginning in 2025. NO WAY DO I MAKE {$20000.00} in 6 weeks!!!!!!!!!! ITS BEYOND RIDICULOUS THAT I CANT TALK WITH ANYONE THERE AND THEY CONDUCT THEIR BUSINESS WHERE YOU HAVE VIRTUALLY NO ACCESS TO TALK TO ANYONE I NEED THE 1099-R CORRECTED. OTHERWISE I WILL BE TAXED TWICE ON THE XXXX. IVE HAVE TOLD THEM OVER AND OVER ITS FROM PRIOR TAX YEARS before XXXX. THAT IS WHAT CODE P INDICATES. THEY CANT KEEP MAKING THESE ERRORS AND NOT CORRECT OR ALLOW ME ACCESS TO ANYONE TO TALK TO. I NEED HELP AS THEY REFUSE TO ALLOW ME TO TALK TO SOMEONE AND CONTINUE TO MAKE MISTAKES CAUSING ME TO HAVE TO PAY TAXES TWICE ON XXXX ARE THEY ALLOWED TO JUST NOT HAVE ANYONE TO TALK TO ABOUT THEir ON GOING MISTAKES MADE. I HAVE TOLD THEM EVEN THOUGH THE ACCOUNT WAS OPENED IN XXXX THE MONEY WAS FROM PREVIOUS TAX YEARS. I TOOK IT OUT OF SAVINGS HOPINGI i CAN HELP MY RETIREMENT BUT THEY HAVE INSTEAD CAUSED ME EXTREME XXXX. FIRST PUTTINT IT AS A ROLLOVER AND NOW CODING THE OVER LIMIT REFUND WRONG. THEY HAVE CREATED A NIGHTMARE FOR ME AND REFUSE TO ALLOW ME ACCESS TO HAVING SOMEONE TO TALK TO FIX IT. THEY DONT CARE AT ALL ABOUT 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