Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I opened an account with Ally bank, a checking and savings account. On XX/XX/XXXX I received XXXX XXXX 's, XXXX for {$360.00}, XXXX for {$300.00}, and XXXX for {$1.00} from an XXXX who felt more comfortable sending a test txn to make sure everything was working as it was supposed to. The same XXXX wrote me a check for {$960.00}. All were deposited without incident and everything appeared fine. 2 days later a family member wrote me a check for {$700.00} and this kicked off a slew of events from Ally bank involving them restricting my account. They first called me to verify things and ask me a ton of questions about myself, the account and the funds coming in. Since this was a new account I understood why the questions. I had to be referred to the Ally Bank fraud department where more questions were asked and the associate then called the XXXX individuals to verify the checks were in fact real. Both checks were verified and the account restrictions were lifted on XX/XX/XXXX. On XX/XX/XXXX I received an email from Ally saying my XXXX had been deactivated. I called Ally and they stated that a fraud complaint issued by XXXX had been implemented over the {$1.00} transaction sent on XX/XX/XXXX. Again, the {$960.00} check which cleared finally on XX/XX/XXXX and the {$1.00} XXXX XXXX were by the same person. They cleared the check and then locked my account over a {$1.00} txn that was erroneously marked as fraud. Ally bank said I had to have the originator call their bank and verify with their bank this in fact was not fraud. This person called their bank ( XXXX XXXX  ) and verified that no such dispute had ever even taken place. I have been on a XXXX call with the originator and their bank and they both verified that the dispute wasn't on their end. No dispute had ever taken place. Ally Bank refuses to help me in any way track down what exactly is going on. I have called XXXX twice and they said they're just the middle man and I need to speak with my bank. I have spent a total of around XXXX hrs now on the phone with Ally, XXXX and XXXX bank, multiple XXXX way calls ( Ally, XXXX and myself twice as well ) and nothing has been resolved. My account has been locked, my funds are stuck at Ally and I can't do anything. I can not transfer out, no XXXX access, no debit card access. I am at the mercy of Ally who again says they can't do anything. TD Bank themselves and the originator of the {$1.00} XXXX XXXX have both stated nothing came from them, Ally says they can't do anything and XXXX says they can't do anything. My email ( XXXX ) associated with the XXXX account at Ally has a permanent fraud mark on it now and I was told by Ally this can not be removed. It is in my opinion that Ally is responsible for all my troubles and refuses to not only admit it, but they won't even call XXXX Bank and verify with them that the fraud notice is in fact a mistake. They won't reach out to XXXX either. {$2200.00} of my legal dollars are now frozen with Ally and I can not access the funds with rent coming due. Ally has been terrible to me this entire time. There seems to be no resolution. The irony is all of the funds sent to me via XXXX and the XXXX checks deposited have all cleared. I can see the balance in my account yet I can not access them. I want answers has to how this happened and why no one seems willing to help. I want the erroneous fraud mark removed from the email address provided and I want answers to how this could have happened since the originator has verified with TD Bank that no such dispute has ever taken place on their end.

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