Ally Bank

[A default letter is...

provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

We are in receipt of
your correspondence case # [redacted] dated January 24, 2018, regarding the above
referenced individual and/or account. After
carefully reviewing the latest communication, Ally Bank believes that we
appropriately and completely responded to the substance of it in our letters
dated December 8 and 28, 2017, and January 12, 2018, which were sent
directly to the above referenced individual. Accordingly, we closed our file on this matter on January 12, 2018.Due to privacy concerns, we are
unable to provide you with any additional details in this matter. If we can be
of further assistance, please contact us at Executive Customer Relations,
[redacted], Monday through Friday, 8:00 a.m. to 8:00 p.m. Eastern Time, and
Saturday, 8:00 a.m. to 5:00 p.m. Eastern Time.

We
are in receipt of your correspondence case # [redacted] dated May 31, 2017 regarding the above referenced individual and/or account and welcome the
opportunity to respond to the stated concerns. Please be assured that we are
working to resolve this matter as quickly as possible. A...

detailed response has
been sent/given directly to the above referenced individual on June 8, 2017. Due
to privacy concerns, we are unable to provide you with any additional details
in this matter. We thank you for taking the time and effort to bring this issue
to our attention. If we can be of further assistance, please contact us at the
Executive Resolution Group, [redacted], Monday through Friday, 8:00 a.m. to
8:00 p.m. Eastern Time, and Saturday, 8:00 a.m. to 5:00 p.m. Eastern Time.

We are in receipt of your correspondence case # [redacted] dated
December 14, 2016, and # [redacted] dated January 4, 2017  regarding the above referenced individual and/or account and
welcome the opportunity to respond to the stated concerns.  On December
22, 2016, a detailed...

response has been emailed and mailed to the above
referenced individual.  Due to privacy concerns, we are unable to provide
you with any additional details in this matter.  We thank you for taking
the time and effort to bring this issue to our attention.  If we can be of
further assistance, please contact us at the Executive Resolution Group, ###-###-####,
Monday through Friday, 8:00 a.m. to 8:00 p.m. Eastern Time and Saturday, 8:00
a.m. to 5:00 p.m. Eastern Time.

We are in receipt of your
correspondence case # [redacted] dated December 6, 2016, regarding the above
referenced individual and/or account and welcome the opportunity to respond to
the stated concerns.  On December 16, 2016, a detailed response has been
emailed and mailed to the above...

referenced individual.  Due to privacy
concerns, we are unable to provide you with any additional details in this
matter.  We thank you for taking the time and effort to bring this issue
to our attention.  If we can be of further assistance, please contact us
at the Executive Resolution Group, [redacted], Monday through Friday, 8:00
a.m. to 8:00 p.m. Eastern Time and Saturday, 8:00 a.m. to 5:00 p.m. Eastern
Time.

We are in receipt of your correspondence case # [redacted] dated
June 19, 2017, regarding the above referenced individual and/or account and
welcome the opportunity to respond to the stated concerns. Please be assured
that we are working to resolve this matter as quickly as possible. A...

detailed
response has been sent/given directly to the above referenced individual on
June 28, 2017. Due to privacy concerns, we are unable to provide you with any additional
details in this matter. We thank you for taking the time and effort to bring
this issue to our attention. If we can be of further assistance, please contact
us at the Executive Resolution Group, [redacted], Monday through Friday,
8:00 a.m. to 8:00 p.m. Eastern Time, and Saturday, 8:00 a.m. to 5:00 p.m.
Eastern Time.

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:My accounts have been closed and funds with balance received.Thank you Revdex.com for your intervention in my personal issue.I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because:I wholly disagree with Ally's point of view.  They have done nothing to help me close accounts and even now continue to drag their feet with the transfer of my IRA account which has been pending with them since 5/12/14 and they refuse to supply me with an accurate and honest status report.  They have admitted in writing that they have screwed up and mishandled all of these transfers and closeouts and yet they do nothing to remedy the situation.  My extreme amounts of time and effort with this mess have to be compensated in order for me to accept closure.  Thanks for your help.
Regards,
[redacted]

I have never in my life experienced such aggravation and disgust with the practices of a business such as Ally Bank. They were recently my bank for my car loan, that was totaled as of March 1, 2015. According to their records payoff did not post until Sept 30, 2015, even though THEIR records indicated payments as of May 29, 2015 and GAP payment as of Aug 2, 2015. They claim they had received the final payment post as of Oct, 2015. That they have a Total Loss Division that handles this type of transaction and that is when they "claim" they received the check. On top of that I receive a statement in July, 2015 that I owe 352.44. I immediately contacted them and explained this car has been totaled and paid off. I don't receive any other notifications until 2 days ago where I received a statement claiming I now owe $220.92. It took me 2 days to get through to the Total Loss Dept after speaking with a Ally rep (which even SHE could not connect me and eventually had to tell me to try calling them back). Today after I contacted Ally again, I explained the situation and I was instructed to speak with someone in their Total Loss Dept, which they stated this account was closed. SO they escalated my call and the person I spoke with there explained to me that due to the fact that these checks were not posted/received until recently I owe late charges and finance charges per my contract. That is CLEARLY on my contract, SO I guess due to Ally's subsidiary that posted these payments late this is my fault? Of course she had no answer and plainly agreed that was the case. As my conversation continued she kept telling me that I owe $232, and I kept correcting her and told her the statement I currently have in front of me FROM Ally states I owe $220.92, where was she getting that number from, she explained that was a late charge. A late charge for what?!! I received the statement Nov 16,2015, it shows on the statement due date Nov 1,2015, how is that my fault again?!! After repeating this to her numerous times she stated she will waive the $11.04 to which brings me to $221. AGAIN I said the statement shows $220.92. I am completely disgusted with their deceiving practices, and I already know that Ally had a class action claim lawsuit against them for discrimination against females and minorities, charging a higher interest rate based on that information. I will let everyone I can know to NEVER use Ally Bank/Financial as they are stealing money and have terrible organization structure and because of their short falls it is pushed on to the consumers.

August 15, 2014
Dear [redacted]:Thank you for forwarding [redacted]’s complaint regarding his account.[redacted]’s internal account transfer was processed before funds were available from his deposit. As a courtesy, on August 7, 2014, we reversed the $9.00 overdraft fee that he was...

charged. Information regarding the processing and posting of items to accounts is available in our Deposit Agreement dated December 7, 2013, in Section 12, page 11, which states, “We will generally post deposits and pay checks, post withdrawals and post other debit transactions to your account in the order in which we receive them...”.We have thoroughly reviewed the facts and circumstances surrounding the complaint filed by [redacted].• On Thursday, July 31, 2014, [redacted] scheduled a transfer to occur on Monday, August 4, 2014, for $115.40 from his Ally Interest Checking account to his Ally Money Market account.• On Friday, August 1, 2014, [redacted] made two deposits, each for $884.60, to his Interest Checking account. We informed [redacted] that $200.00 from each deposit would be available the next business day and $684.60 would be available in two business days.• On Monday, August 4, 2014, the transfer of $115.40 from his Ally Interest Checking account to his Ally Money Market Account was completed and he was charged $9.00 overdraft fee. Subsequently, the $200.00 from each deposit was made available.• On Tuesday, August 5, 2014, the remainder of the funds from the two deposits were made available.• On Thursday, August 7, 2014, we reversed the $9.00 overdraft fee.We do offer an Overdraft Transfer Service. The service links an Ally Money Market Account or Ally Online Savings Account to an Ally Interest Checking account to transfer funds in increments of $100.00 throughout the day if necessary when there are not sufficient funds in the Interest Checking account to pay transactions. Additional information can be found online at ally.com, by calling us at ###-###-####, and in our Deposit Agreement, dated December 7, 2013, on page 12.If you have any further questions, please feel free to contact me directly at the Executive Resolution Department, ###-###-####, Monday through Friday, 8:00 am to 4:30 pm Eastern Standard Time.Sincerely,Michelle S[redacted] Executive Resolution Specialist

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

September 23, 2015Dear [redacted],Thank you for forwarding [redacted]’ complaint regarding the handling of her bill payments.We are sympathetic to her experience and understand her concern. Ally Bank complies with Regulation E, which allows customers to dispute electronic fund transfers that...

meet the definition of an error as defined under the regulation. However, the bill payment to [redacted] was initiated and authorized by [redacted] and does not meet the error definition. [redacted]’ indicated that she had forgotten about the scheduled bill payment when she made a second payment, via other means, directly to [redacted]. She will need to contact [redacted] to request a refund of the second payment. As a courtesy, we have refunded $100.00 in overdraft fees to [redacted].We have thoroughly reviewed the facts and circumstances regarding her bill payment activity and have included copies of our Online Banking Services Agreement and our Deposit Agreement which were presented at account opening.The details of what occurred are as follows:• On August 26, 2015, [redacted] scheduled a bill payment for [redacted] in the amount of $5,889.24 with a scheduled delivery date of August 27, 2015.• On August 27, 2015, per [redacted]’ instructions, we sent the electronic bill payment for [redacted] in the amount of $5,889.24.• On August 28, 2015, when we attempted to debit [redacted]’ account for the $5,889.24 payment, there were not sufficient funds in her account and a $25.00 Overdraft Item Return fee was charged.• On August 30, 2015, we sent [redacted] an alert that there were not sufficient funds in her account and we would try to debit the payment in four business days.• On September 2, 2015, [redacted] contacted us via secure email regarding the $25.00 Overdraft Item Return fee and we agreed to refund her the fee as a courtesy which occurred on September 3, 2015.• On September 8, 2015, we debited [redacted]’ account for the $5,889.24 and charged her an Overdraft Item Paid fee of $25.00. We placed a hold for $5,237.81 on her account ending in 2895 as an offset for the $ -5,237.81 balance in her account ending in [redacted].• On September 9, 2015, check [redacted] was debited from [redacted]’ account ending in [redacted]. We paid the item and charged an Overdraft Item Paid fee of $25.00.• On September 10, 2015, an Automated Clearing House (“ACH”) debit posted to [redacted]’ account ending in [redacted]. We paid the item and charged an Overdraft Item Paid fee of $25.00• On September 11, 2015, as a courtesy, we refunded her $75.00 in overdraft fees which were the fees from September 8, 9 and 10, 2015.The following are excerpts from our Online Banking Services Agreement pertaining to Bill Payments.How Bill Pay Works:• The date you enter for payment is the Scheduled Delivery Date on which Ally Bank will attempt delivery of the payment to the Payee.• Your Bill Pay Eligible Account must be in good standing and have sufficient available funds to cover the requested transfer amount on the Scheduled Deliver Date that you select.• Payments will be initiated prior to the Scheduled Delivery Date you select. Payments delivered electronically will be initiated one Business Day prior to the Scheduled Delivery Date; payments delivered via paper check will be initiated 4 Business Days prior to the Scheduled Delivery Date. You will not be able to select a date as your payment’s Scheduled Delivery Date unless it allows for sufficient Business Days after payment initiation, as noted in the foregoing.• The payment amount will be debited from, or charged to the Bill Pay Eligible Account that you designate on the Scheduled Delivery Date you specify. If the Scheduled Delivery Date falls on a non-Business Day, then the Scheduled Delivery Date will be the prior Business Day.• If you do not schedule a payment on or prior to your bill Due Date, or if your Bill Pay Eligible Account is not in good standing, you are fully responsible for all late fees, interest charges or other action taken by the Payee.Payment Authorization and Available Funds:• You authorize Ally Bank to withdraw, debit or charge the necessary funds from your Bill Pay Eligible Account in order to complete your requested bill payments. You also authorize Ally Bank to credit your Bill Pay Eligible Account for payments returned to Ally Bank by the U.S. Postal Service, Payee, or any other third party.• For bill payments funded by Bill Pay Eligible Accounts, completion of a scheduled payment requires availability of sufficient funds on the Scheduled Delivery Date. You agree that you will initiate a bill payment only when a sufficient balance is or will be available in your Bill Pay Eligible Account at the time of withdrawal of funds.• If there are not enough funds available to complete the payment, we or our Vendor may either (a) complete the payment by advancing funds on your behalf or (b) refuse to complete the payment, without regard to whether we may have previously established a pattern of honoring or dishonoring such payments. In either case, we reserve the right to impose an overdraft fee paid or an overdraft returned item fee in accordance your applicable deposit agreement. You agree to pay any fees we may impose, which may vary depending on the action we take. Any negative balance on your Account, or the amount of any advance of funds, is immediately due and payable, unless we agree in writing, and you agree to reimburse us and our Vendor for any expenses incurred in recovering any monies due and owing, including reasonable attorney fees, expenses and any overdraft fee paid or overdraft returned item fees.• At our option, if there are insufficient funds in your Bill Pay Eligible Account on the Scheduled Delivery Date, we may, in our discretion, attempt to debit such payment on a later Business Day. This may result in additional overdraft fees or other expenses.• If our Vendor advances funds on your behalf to complete a payment for which there are not enough funds in your account, you will immediately owe repayment of the amount of the advance directly to our Vendor. Either we or our Vendor may contact you to notify you of the advance and your immediate obligation to repay it to the Vendor.• You agree to immediately repay the amount of any advance made by our Vendor on your behalf to complete a payment for which there are not enough funds in your account by following the instruction of Ally Bank or our Vendor. We or our Vendor may instruct you to repay the advance by depositing adequate funds in your Bill Pay Eligible Account, in which case, we will transfer those funds to repay our Vendor on your behalf. Alternatively, we or our Vendor may instruct you to make the required repayment directly to our Vendor.• Our Vendor is a third party beneficiary of your obligation to repay the amount of any advance made by the Vendor for the purpose of completing a payment.• Whether or not any advance is made or repaid, you are obligated directly to Ally Bank for the amount of our overdraft fees or other expenses in the event that your account does not have sufficient funds to complete a payment.Canceling Payments; Stop Payments; Refunds or Reversals• Once a payment has been made, you cannot use Bill Pay to request a refund, cancellation, correction, or reversal of the completed payment. In such situations, you will need to contact the Payee’s customer service in order to request a refund, cancellation, correction, or reversal of a completed bill payment.The following is an excerpt from our Deposit Agreement effective December 7, 2013 on pages 15 under the section Setoff and Security Interest Rights:... We may take or set off funds in any or all of your accounts with us and with our parent, affiliates or subsidiaries for direct, indirect and acquired obligations that you owe us, our parent, affiliates and subsidiaries, including any balances as a result of not having sufficient funds available, regardless of the source of funds in an account....If you have any further questions or need assistance in the future, please feel free to contact the Executive Resolution Group, ###-###-####, Monday through Friday, 8:00 a.m. to 8:00 p.m. Eastern Time and Saturday, 8:00 a.m. to 5:00 p.m. Eastern Time.Sincerely,Michelle S[redacted]Executive Resolution Specialist

We
are in receipt of your correspondence case # [redacted] dated October 6, 2016,
regarding the above referenced individual and/or account and welcome the
opportunity to respond to the stated concerns. Please be assured that we are
working to resolve this matter as quickly as possible. A...

detailed response has
been sent directly to the above referenced individual on October 13, 2016. Due
to privacy concerns, we are unable to provide you with any additional details
in this matter. We thank you for taking the time and effort to bring this issue
to our attention. If we can be of further assistance, please contact us at the
Executive Resolution Group, ###-###-####, Monday through Friday, 8:00 a.m. to
8:00 p.m. Eastern Time, and Saturday, 8:00 a.m. to 5:00 p.m. Eastern Time.

We
are in receipt of your correspondence file # [redacted] dated January 29, 2018 regarding
the above referenced individual and/or account and welcome the opportunity to respond
to the stated concerns.  On January 24,
2018 a detailed response and on has been emailed and mailed to the above
referenced individual.  Additionally, on
February 1, 2018, we responded to customer.  Due to privacy concerns, we
are unable to provide you with any additional details in this matter.  We
thank you for taking the time and effort to bring this issue to our attention. 
If we can be of further assistance, please contact us at the Executive Customer
Relations, ###-###-####, Monday through Friday, 8:00 a.m. to 8:00 p.m.
Eastern Time and Saturday, 8:00 a.m. to 5:00 p.m. Eastern Time.

December 2, 2015Dear [redacted]:Thank you for forwarding [redacted]’s complaint to our attention regarding the closure of his Interest Checking account.We have thoroughly reviewed the facts and circumstances regarding [redacted]’s complaint.• On October 1, 2015, [redacted]’s Interest Checking...

Account balance became negative by $48.06. We have confirmed that [redacted] did not have transaction alerts setup for his Interest Checking Account in our Online Banking system.• On October 8, 2015, we attempted to call [redacted] to resolve the negative balance, but were unable to reach him.• On October 12, 2015, an Overdrawn Notice was sent to [redacted]’s address on file. The notice stated, “Failure to resolve the overdraft may result in your account being closed, payments being returned, collection activity commencing, and/or reporting this matter to [redacted], a consumer reporting agency.”• On October 29, 2015, a second Overdrawn Notice was sent to [redacted]’s address on file.• On November 9, 2015, [redacted] initiated a $20.00 transfer from his external account to his Ally Bank Interest Checking Account.• On November 12, 2015, we exercised our right of setoff described in Section 28 of the Ally Bank Deposit Agreement, and withdrew $0.58 from [redacted]’s Online Savings Account to lower the negative balance in his Interest Checking Account. On the same day, in accordance with the rights described in Section 35 of the Ally Bank Deposit Agreement, [redacted]’s Interest Checking Account was closed with a negative balance of $48.06. A closure letter was mailed to [redacted]’s address on file.• On November 16, 2015, we received [redacted]’s credit transfer from his external account. However, since the Interest Checking Account was already closed, the credit could not be posted.• On November 17, 2015, we reopened [redacted]’s Interest Checking Account and credited the $20.00 transfer. The account was then closed once again.We have confirmed that as of the date of this letter, the information relating to [redacted]’s account has not been reported to our Collection Agency or [redacted].As of December 2, 2015, [redacted] has an outstanding balance of $28.06. We ask that [redacted] contact Ally Bank to resolve this matter as soon as possible.If you have any further questions, please feel free to contact the Executive Resolution Group, ###-###-####, Monday through Friday, 8:00 a.m. to 8:00 p.m. Eastern Time and Saturday, 8:00 a.m. to 5:00 p.m. Eastern Time.Sincerely,Joseph H[redacted] Executive Resolution Specialist Ally Bank

We are in receipt of your correspondence case # [redacted] dated
September 25, 2017, regarding the above referenced individual and/or account and
welcome the opportunity to respond to the stated concerns. Please be assured
that we are working to resolve this matter as quickly as possible. A...

detailed
response has been sent directly to the above referenced individual on
October 4, 2017. Due to privacy concerns, we are unable to provide you with any additional
details in this matter. We thank you for taking the time and effort to bring
this issue to our attention. If we can be of further assistance, please contact
us at the Executive Resolution Group, ###-###-####, Monday through Friday,
8:00 a.m. to 8:00 p.m. Eastern Time, and Saturday, 8:00 a.m. to 5:00 p.m.
Eastern Time.

January 29, 2016Dear [redacted],Thank you for forwarding [redacted]’s complaint regarding the extended hold on her deposits.We take [redacted]’s concerns very seriously and we regret that her customer service experience did not meet her expectations. However, we have thoroughly reviewed her...

interactions with our Customer Care Department and holds placed on her eCheck deposits of $40.88 on December 30, 2015, and $292.32 on January 19, 2016 and found no mishandling on our part. When we placed the five business day extended holds, we emailed her a funds availability notice. The notice stated, “These funds are subject to an extended hold because your account has repeated overdrafts.” Attached are copies of the notifications that were sent.The extended hold applied is consistent with our Funds Availability Policy, located in Section IV on page 28, of the Ally Bank Deposit Agreement dated December 7, 2013. It is also consistent with Federal Reserve Regulation CC. Section § 229.13(d) of Regulation CC, regarding repeated overdrafts, provides that an account may be considered repeatedly overdrawn and items may be held if on six or more banking days during the previous six months the account had a negative balance, or would have had a negative balance had checks and charges been paid.We have reviewed our processes and the extended holds applied to [redacted]’s deposits and determined that Ally Bank is in compliance with Regulation CC regarding the placement of exception holds.In particular, since September of 2015, [redacted]’s account has been overdrawn one time for nine (9) days. On September 15, 2015, we notified [redacted] of her account being overdrawn. On September 23, 2015, we mailed [redacted] a letter regarding the overdraft. If [redacted]’s account ending in 3236 has no further overdrafts, the extended hold for check deposits will expire on March 25, 2016.[redacted] may want to consider our Overdraft Transfer Service that we offer to our customers. The service links an Ally Money Market Account or Ally Online Savings Account to an Ally Interest Checking account to transfer funds in increments of $100.00 throughout the day, if necessary, when there are not sufficient funds in the Interest Checking account to pay transactions. Additional information can be found online at ally.com, by calling us at ###-###-####, and in our Deposit Agreement, dated December 7, 2013, on page 12. We have attached to this letter a copy of the entire Ally Bank Deposit Agreement for [redacted]’s reference.If you have any further questions in the future, please feel free to contact the Executive Resolution Group, ###-###-####, Monday through Friday, 8:00 a.m. to 8:00 p.m. Eastern Time and Saturday, 8:00 a.m. to 5:00 p.m. Eastern Time.Sincerely,Michelle S.Executive Resolution Specialist

December 24, 2014Dear [redacted],
Thank you for forwarding [redacted]’ complaint regarding the handling of her compromised account.
We sincerely apologize to [redacted] for the misinformation she received with regard to receiving a provisional credit for $87.00. On December 22, 2014, we reimbursed [redacted] for the $9.00 Overdraft Item Paid fee. On December 23, 2014, we credited her account ending in [redacted] for $87.00, closed the account and transferred all the funds to her account ending in [redacted].
We have thoroughly reviewed the facts and circumstances surrounding [redacted]’ claim of an unauthorized check on her account ending in [redacted]. On December 10, 2014, [redacted] spoke with our Contact Center and notified us that a remotely created check numbered [redacted] for $87.00 had posted to her account and was unauthorized. The check transaction [redacted] was disputing as unauthorized was from Savings Makes Money, an online payday loan company. The loan company had [redacted]’ account number, email address, Internet Protocol address and also an order number.
A restriction was placed on her account ending in [redacted] and a new account ending in [redacted] was opened. Unfortunately, [redacted] was misinformed that a provisional credit would be provided. That same day, an investigation for the unauthorized claim was routed to our Loss Prevention Department for review.
On December 10, 2014, a Loss Prevention Specialist spoke with [redacted] and informed her we would send her an Affidavit of Forgery to complete and return. On December 12, 2014, the Loss Prevention Specialist sent [redacted] the Affidavit of Forgery. On December 19, 2014, we received the completed form. On December 23, 2014, we credited [redacted]’ account ending [redacted] for the $87.00.We sincerely apologize for the misinformation [redacted] received in regards to a provisional credit. [redacted]’ experience is not typical of Ally Bank’s level of customer service and does not meet the standard we strive to achieve. Her experience has been brought to the attention of our management team. The associate involved with this issue have been provided additional coaching.
If you have any further questions, please feel free to contact me at the Executive Resolution Department, ###-###-####, Monday through Friday 8:30 am to 4:00 pm Eastern Time.
Sincerely,Michelle S
Executive Resolution Specialist

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because:Ally Bank is failing completely to provide compensation for weeks and weeks of a mess.They need to do so.
Regards,
[redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because:
ALLY have provided a litany of excuses that do NOT in any way account for their CRUCIAL MISINFORMATION via phone that led to the shutting down of the account.
I had explained to them over a series of conversations that I was in the process of moving during that time.  Prior to their letters they had always contacted me via email or telephone so I had no reason, AFTER THEY HAD TOLD ME THAT THERE WAS NO PROBLEM WITH THE ACCOUNT AND THAT SMALL FEES WOULD BE CHARGED UNTIL I PUT MONEY IN - to believe that there would be anything amiss - and hence have to get someone to my address in Nevada to check mail that was important enough for ALLY to call or email me, as per usual.
LYING and CRUCIAL MISINFORMATION is not something any business - let alone ALLY - can get away with.  Their resolution is far from acceptable.  If they could not re-open an account THAT SHOULD NEVER HAVE BEEN CLOSED, then they should have opened another account.  When I opened my account with ALLY they did not require any information additional to the online form.
AFTER THEIR MISINFORMING ME they should have allowed me to re-open an account with the same information.
HOWEVER - instead of providing decent service in a decent manner suiting an apology and an error of service, they are punishing their client FOR THEIR OWN FAULT by making requests for information it would be problematic until I decide what address I am settling into in Los Angeles, to supply.
They had requested a Driver's License with my new address on it.  I am not going to spend hours in the DMV getting a new Driver's License that has a temporary rental property's address on it.  My address is currently my family home, which is consistent.  Additionally, they are expecting my name on a Utility bill.  I am currently residing with a friend, whose name is on the lease, and subsequently on the Utilities there as he is the long-term resident of that address.  
ALLY is very good at apologizing, and justifying their appalling customer service, and extremely lacking in the kind of actions that would rectify as situation that they themselves have created.
This is unacceptable and I will be continuing to give them the terrible customer reviews online that they deserve until they rectify this situation easily and promptly.
Regards,
[redacted]