Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I am a severely XXXX individual and am physically incapable of independently performing ATM withdrawals. Ally Banks actions described below have caused substantial financial harm and expose the institution to significant legal liability. 

In XX/XX/XXXX, XXXX unauthorized ATM withdrawals of {$300.00} each were made on my Ally Bank debit card. I did not perform these withdrawals. Due to my XXXX, I am physically unable to conduct ATM withdrawals without assistance, making authorization of these transactions impossible. Ally Bank acknowledged XXXX of these withdrawals as unauthorized, opened a formal debit card fraud dispute on XX/XX/XXXX, and issued a provisional credit on XX/XX/XXXX. All unauthorized withdrawals was never properly investigated or resolved. 

Despite an unresolved Regulation E fraud investigation, Ally Bank improperly closed my account and charged it off for {$690.00}, falsely characterizing the balance as unresolved overdrafts. Ally further threatened reporting to XXXX and restricted my access to funds. The negative balance was caused directly by disputed electronic fund transfers, and charging off The account. 

Ally Banks conduct reflects a failure to conduct a reasonable fraud investigation, a failure to consider objective evidence, and a failure to accommodate known disabilitys Ally either ignored or disregarded the fact that I am physically incapable of performing the alleged ATM withdrawals. Proceeding with a charge-off and threatening consumer reporting under these circumstances is unfair, deceptive, and abusive. 

If Ally Bank does not immediately reverse the charge-off, fully recognize both ATM withdrawals as unauthorized, and correct or prevent any XXXX or consumer reporting, I will pursue formal legal action without further notice. This includes claims under the Electronic Fund Transfer Act ( Regulation E ), the Fair Credit Reporting Act, the Fair Debt Collection Practices Act if collection activity occurs, and applicable federal and state XXXX discrimination laws. I will also seek statutory damages, actual damages, attorneys fees, costs, and injunctive relief. 

This is a list of my XXXX. 

XXXX XXXX Causes XXXX XXXX XXXX, including XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX in daily activities. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX Cause XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX. These conditions limit XXXX, sXXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX Result in XXXX XXXX XXXX XXXX, requiring XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX. 
XXXX XXXX Causes XXXX XXXX, XXXX, and XXXX XXXX, further reducing XXXX XXXX and XXXX. 
XXXX XXXX Contributes to XXXX, XXXX, and XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX and XXXX Cause XXXX XXXX, XXXX, XXXX, and XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX. 
XXXX XXXX XXXX / XXXX XXXX XXXX Impairs XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX ( XXXX ) Permanently reduces XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 
XXXX and XXXX ( XXXX XXXX XXXX XXXX XXXX ) Cause XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX or XXXX XXXX XXXX 
XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) Contribute to XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. 
XXXX XXXX Causes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and interferes with XXXX XXXX. 
XXXX XXXX Interfere with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
History of XXXX XXXX ( XXXX ) Reflects XXXX XXXX XXXX requiring XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contribute to XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX. 

How Loss of Access to a Bank Account Is Life-Threatening Because of my XXXX and XXXX XXXX XXXX, uninterrupted access to my money is essential for survival and medical stability. The loss of a bank account, or restriction on accessing funds, creates immediate and serious health risks. 
Dependence on ongoing medical care I require continuous medical monitoring, specialty care, and treatment for multiple life-threatening conditions, including XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. Loss of access to funds interferes with the ability to pay for medical services, prescriptions, transportation to appointments, and emergency needs. 
XXXX deficiency and XXXX risk With XXXX XXXX XXXX XXXX ( XXXX ) and related disorders, interruptions in care, medication access, or safe living arrangements significantly increase the risk of severe infections, hospitalization, and death. Financial access is required to maintain these protections. 
XXXX XXXX Conditions affecting my XXXX and XXXX limit my ability to tolerate physical stress. Financial instability or inability to access funds increases stress, which can exacerbate XXXX, XXXX XXXX, and risk of medical emergencies. 
Physical dependence and limited mobility Due to XXXX XXXX, prior surgeries, XXXX XXXX, and XXXX XXXX, I rely on assistance for daily functioning. Loss of banking access prevents payment for support services, transportation, and basic necessities required to remain safe. 
Inability to safely use alternatives I can not reliably use cash-only systems, check-cashing services, or in-person financial alternatives due to physical limitations, immune risk, and mobility constraints. A traditional bank account is not a convenience for me ; it is a necessity. 
XXXX risk under financial distress Severe financial instability creates XXXX XXXX XXXX. Given my history of XXXX and prior XXXX XXXX, sudden loss of access to essential funds significantly increases XXXX XXXX risk and XXXX danger. 
Risk of cascading medical failure Even short interruptions in access to funds can lead to missed treatments, delayed care, inability to obtain medications, or loss of safe housing or utilities. For someone with my medical profile, these cascading failures can rapidly become life-threatening. 

I require regular XXXX XXXX ( XXXX ) therapy to survive due to severe XXXX XXXX. XXXX is not optional or elective care ; it is life-sustaining treatment. 

If XXXX XXXX is interrupted or missed for a prolonged period, my XXXX XXXX progressively fails. This results in rapidly increasing XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and other life-threatening complications. Based on my medical condition and history, the absence of XXXX places me at risk of XXXX within approximately XXXX months due to uncontrolled XXXX and XXXX XXXX. 

Loss of access to my bank account directly threatens my ability to obtain XXXX treatment by interfering with payment, scheduling, transportation, and continuity of care. Any financial disruption that delays or prevents XXXX XXXX therefore creates a foreseeable and imminent risk of XXXX.

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