Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I am submitting this complaint regarding Ally Banks handling of a mobile check deposit and the subsequent freezing of my bank account, which has left me without access to any funds and without legally required notice.

Bank : Ally Bank Account Holder : XXXX XXXX Product : Checking account Issue Type : Bank accounts and services Deposit hold / funds availability / account access Summary of the Issue On XX/XX/year>, I made a mobile check deposit in the amount of {$25000.00} into my Ally Bank checking account. Shortly thereafter, Ally Bank placed a hold on the deposit and froze my entire account, locking me out of online access and preventing me from accessing any funds in the account.

I was not provided with a clear written notice explaining : The specific reason for the hold The Regulation CC exception being relied upon The portion of the deposit being held The date the funds would be made available As of the date of this complaint, I still do not have access to the deposited funds or the rest of my account balance.

Regulation CC Concerns While I understand that Regulation CC allows banks to place limited exception holds on deposits under certain circumstances, Ally Banks actions appear to exceed what is permitted by law.

Specifically : Failure to Provide Required Exception Hold Notice Under 12 C.F.R. 229.13 ( g ), a bank placing an exception hold must provide written notice stating the reason for the hold and the date funds will be available. Ally Bank did not provide a Regulation CC-compliant notice.

Indefinite and Total Account Freeze Instead of placing a time-limited hold on the deposited funds, Ally Bank froze my entire account and denied access to all funds. Regulation CC governs funds availability and does not authorize indefinite account freezes without clear legal justification.

Continued Restriction After Proof of Validity I provided Ally Bank with documentation demonstrating that the deposited check is valid and collectible. Despite this, Ally Bank has continued to restrict access without explaining the factual basis for doing so or providing a definite timeline for resolution.

Lack of Transparency and Meaningful Explanation Ally Bank has provided vague statements referencing security or risk without disclosing the specific reason required under Regulation CC or explaining why a full account freeze is necessary.

Harm Caused As a result of Ally Banks actions : I have been denied access to my own funds I have been unable to manage my finances I have experienced significant disruption due to the lack of notice and indefinite nature of the restriction I have incurred loss of car insurance and cell phone service due to inability to pay those bills Resolution Requested I am requesting that Ally Bank be required to : Provide a Regulation CC-compliant written notice identifying the specific exception being applied and the date funds will be made available Restore access to my account and release funds consistent with Regulation CC requirements Clearly explain the legal basis for freezing my entire account rather than placing a limited deposit hold Supporting Documentation I can provide :
Confirmation of the XX/XX/year> mobile deposit Communications with Ally Bank Documentation verifying the validity of the deposited check I believe Ally Banks actions may constitute violations of Regulation CC and unfair or deceptive practices related to funds availability and account access. I respectfully request the CFPBs review and assistance in resolving this matter.

Sincerely, XXXX 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 non-monetary relief