Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
After repeatedly requesting account statements, I finally received them today. However, I have not yet received the account closure statement, even though I called to request both the statements and the closure document at the same time. After reviewing my bank statements, I realized the bank 's dishonest practices. They could have handled the situation reasonably, but instead, they chose to make things difficult for me, an ordinary customer. My account was restricted on XX/XX/XXXX, and I was informed on XX/XX/XXXX that my account was closed. After a month of trying to protect my rights, I requested a check, but they refused, demanding that I contact the transferring bank to cancel the transaction. After multiple unsuccessful attempts to communicate with them, I had no choice but to contact the transferring bank to request a cancellation. On XX/XX/XXXX, I received a notification from XXXX that the {$1000.00} from XX/XX/XXXX had arrived. Currently, only the {$1000.00} refund from XXXX remains outstanding. XXXX initiated the transfer reversal request on XX/XX/XXXX, but as of today, I haven't received it. However, when I checked my statement today, my total account balance was {$2000.00}. During the period my account was restricted, they arbitrarily manipulated my account, withdrawing all the interest and a {$100.00} bonus, and transferring the money from my savings account to my checking account. Then, on XX/XX/XXXX, they withdrew the remaining {$2000.00}. I don't know which account they withdrew it from ; they told me over the phone that it was a special account for closed account funds. Currently, I have received {$1000.00}, but the {$1000.00} from XXXX is still pending. XXXX informed me that Ally Bank hasn't processed it. From this statement, it's clear that Ally Bank has no security whatsoever ; they arbitrarily manipulated my account. They could have simply refunded the money directly, but instead, they demanded that I contact the other bank to handle it. Clearly, they are trying to be clever ; if any bank doesn't cooperate with the refund process, they will try to keep my money. That's how it looks right now. Also, I have another question : the account balance is {$2000.00}, and the total from XXXX and XXXX is {$1000.00} + {$1000.00} = {$2000.00}. There's a difference of {$2000.00} - {$2000.00} = {$13.00}. How will I receive this {$13.00}? The remaining {$13.00} is the leftover money after multiple transactions, and I can't ask the transferring bank to reverse the transaction. For example, if XXXX Bank transferred {$100.00}, and I used {$87.00}, leaving {$13.00}, how can I ask XXXX to reverse the transaction? After all, XXXX 's record shows {$100.00}, and I can't ask them to withdraw {$100.00} when there's only {$13.00} left in the account. Ally Bank hasn't clearly explained how they will return this remaining money to me, which is why I believe this bank is being deceitful and trying to keep my money. Furthermore, every time I complain to them, their responses are vague and unhelpful, completely failing to address the actual problem. They just give irrelevant answers and talk nonsense. All I care about now is when I will get my money back. I don't want any further association with this bank. The process of seeking redress is incredibly frustrating. It takes a long time to get through to them on the phone, and if I ask too many questions, they refuse to continue the call or even hang up. They are not genuinely trying to resolve customer issues. I truly despise this bank. All I want now is for all my money to be returned safely.

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