Consumer complaint received 2026-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
URGENT CFPB COMPLAINT ACCOUNT CLOSED DUE TO ALLY BANK SYSTEM FAILURE I am filing an urgent complaint against Ally Bank regarding the wrongful closure of all my accounts following a documented system failure that prevented me from transferring funds between my own accounts. Summary of Issue My checking account became overdrawn. However, I had sufficient funds in another Ally Bank account to immediately resolve the overdraft. I attempted to transfer the funds, but Ally Bank was experiencing confirmed system outages that prevented transfers from being completed. During multiple calls with Ally representatives, including a supervisor, I was explicitly informed and they acknowledged that Ally was experiencing system issues. I have a recorded phone call documenting these admissions and can provide it upon request. Bank Failure and Account Closure Because Allys system failure prevented me from transferring my own funds, the overdraft remained unresolved. After approximately 30 days, Ally Bank closed ALL of my accounts instead of working with me to resolve a problem that was directly caused by its own system outage. This action is unfair and unreasonable because : * Funds were available within Ally Bank to cure the overdraft * I was actively attempting to resolve the issue * Ally Banks own system failure prevented completion of the transfer * Ally representatives acknowledged the system issues Financial Harm and Immediate Hardship Ally Bank informed me that it will take 710 days to return my remaining funds. In addition, I have an incoming payroll direct deposit through XXXX that Ally has stated will be rejected and returned to my employer due to the account closure. This will result in : * Immediate loss of access to my wages * At least a XXXX week delay in receiving my paycheck * XXXX financial hardship due to inability to access my own funds Evidence Available I have : * Recorded call with Ally representatives and a supervisor acknowledging system outages * Proof of available funds in another Ally account * Account records and closure notices * Payroll deposit information showing imminent wage disruption Requested Resolution I am requesting immediate CFPB intervention requiring Ally Bank to : 1. Review the account closure decision in light of documented system failures 2. Review recorded calls acknowledging the system outage 3. Expedite release of all remaining funds ( same-day or next-day ACH if possible ) 4. Reverse or correct the account closure status where appropriate 5. Prevent or mitigate disruption to incoming payroll funds 6. Remove any negative reporting resulting from this incident 7. Provide a written explanation of why internal system failure did not prevent account closure actions Closing Statement This situation was not caused by insufficient funds or customer negligence. It was caused by Ally Banks system failure preventing me from accessing and transferring my own money. I made reasonable and timely attempts to resolve the issue. I am now facing avoidable financial hardship, including loss of access to wages, as a direct result of this failure.

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