Consumer complaint received 2025-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
CC : Consumer Financial Protection Bureau ; Office of the Comptroller of the Currency ; Arizona Attorney General FORMAL DEMAND FOR RESTITUTION AND DAMAGES Violations of : Electronic Fund Transfer Act ( EFTA ), Uniform Commercial Code ( UCC ), Dodd-Frank Act, Arizona Consumer Fraud Act, and Common Law ALLY BANK ACCOUNT : XXXX, XXXX STARTING DATE OF HARM : XX/XX/XXXX I. STATEMENT OF UNLAWFUL ACTS & TECHNOLOGICAL FRAUD On or about XX/XX/XXXX, Ally Bank unlawfully blocked all incoming ACH deposits to my account, including two direct deposit commissions from my employer, Official XXXX XXXX XXXX, for {$34.00} and {$76.00}. Approximately 25 days later, you compounded this harm by closing the account entirely, severing my access to the financial system. 
In your official response to complaints filed with the Office of the Comptroller of the Currency ( OCC ), the Arizona Attorney General, and a U.S. Senator, you committed fraud upon a federal regulator by stating the restriction was due to an attempted XXXX payment for which [ I ] had insufficient funds. 
This claim is a technologically impossible and complete fabrication : Fact : There was NO XXXX transactionof any kindattempted or completed. The only transactions involved were INCOMING ACH DIRECT DEPOSITS that you blocked. 
Fact : The XXXX network, as integrated into Ally Banks interface, contains a fundamental safeguard : it is architecturally impossible to progress to the final confirmation screen of a payment without sufficient funds in the account. 
Conclusion : You illegally blocked incoming ACH deposits and then invented a fictional outgoing XXXX transaction as a pretext. This is not an error ; it is a deliberate, bad-faith deception aimed at misleading federal and state regulators. You are lying about an event that never occurred.

II. SPECIFIC LAWS AND REGULATIONS VIOLATED A. FEDERAL STATUTORY VIOLATIONS Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq. 1693f ( Error Resolution ) : You failed to conduct a reasonable investigation and correct the error of the unauthorized account restriction within the mandated timelines.

1693m ( Civil Liability ) : You are liable for all actual damages resulting from these violations.

Uniform Commercial Code ( UCC ) Article 4 ( As Enacted in Relevant States ) UCC 4-402 ( Wrongful Dishonor ) : You wrongfully dishonored the presented ACH items ( the direct deposits ) from my employer. A payor bank is liable to its customer for damages proximately caused by the wrongful dishonor of an item.

Dodd-Frank Wall Street Reform and Consumer Protection Act 12 U.S.C. 5531 ( UDAAP ) : Your actions constitute Unfair, Deceptive, and Abusive Acts or Practices. Blocking access to wages without cause and providing a fabricated reason to regulators is the definition of a deceptive and abusive practice.

B. ARIZONA STATE STATUTORY VIOLATIONS Arizona Consumer Fraud Act, A.R.S. 44-1521 et seq.

Your deception in representing a false cause for the account restriction to a consumer is a per se vi

olation of this act, which prohibits deception, fraudulent acts, and misrepresentation in commerce.

Arizona Uniform Commercial Code, A.R.S. Title 47, Chapter 4 A.R.S. 47-4402 ( Wrongful Dishonor ) : Adopts the UCC standard , making you liable for damages caused by the wrongful dishonor of the ACH deposits.

C. COMMON LAW CLAIMS Common Law Fraud : You knowingly made a false representation of a material fact ( the XXXX  story ) to regulators and myself, with the intent that I would rely on it, causing justifiable and devastating financial harm. 
Tortious Interference with Business Expectancy : You intentionally and improperly disrupted my ongoing business relationship with my employer and clients by blocking my income and destroying my financial standing.

Breach of the Covenant of Good Faith and Fair Dealing : You acted in bad faith by arbitrarily blocking account access and then fabricati
ng a reason, violating the implicit promise of fair dealing in our contract.

III. QUANTIFIABLE DAMAGES & DEMAND FOR RELIEF The financial devastation caused by your actions is direct and ongoing. 
A. COMPENSATORY DAMAGES : {>= $1,000,000} Direct Lost Income ( XX/XX/XXXX - XX/XX/XXXX ) : {$41000.00} Projected Future Lost Income & Business Collapse : {>= $1,000,000} Calculation : The illegal blockade and closure destroyed my primary source of income and business viability. This represents the net present value of 30 years of lost earning capacity, a conservative projection given the total cessation of my business operations. 
B. PUNITIVE DAMAGES : {>= $1,000,000} Punitive damages are warranted under A.R.S. 12-653 and common law due to your willful, malicious, and oppressive conduct, evidenced by your fraud upon a federal regulator and the callous disregard for the financial ruin you inflicted. 
TOTAL DEMAND : {>= $1,000,000} You have thirty ( 30 ) calendar days from the receipt of this demand to tender payment in the amount of {>= $1,000,000} via certified check or wire transfer. Furthermore, you must : Issue a formal, written retraction of your false XXXX narrative to every regulatory body you contacted. 
Provide a full, truthful written explanation for the actual reason behind the illegal ACH blockade and account closure. 
Issue a formal correction to all consumer reporting agencies, stating the account was closed due to your error. 
Should you fail to meet this demand in full, I will immediately file a lawsuit in the appropriate court of competent jurisdiction. I will seek the full amount of damages, plus pre- and post-judgment interest, attorney 's fees, and all available statutory penalties. I am prepared to present this case, including your technologically impossible lies, to a jury. 
This is your only opportunity to resolve this matter prior to litigation. The evidence of your fraud is incontrovertible.

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