How to Reopen Your Suspended Account at Ally Bank
Having your bank account frozen or suspended can range from embarrassing to devastating, depending on how long it takes for you to resolve the problem. A can be a major problem if you need to access the money in that account immediately. Sometimes, your bank account is frozen because of fraud prevention policies, and the problem can be fixed with a quick phone call.
Unfortunately, this isn't always the case. There could be a judgment against you or other concerns that are more difficult to resolve. Regardless of why your Ally Bank account has been suspended, DoNotPay can help you appeal. Here's what you should know about account suspensions at Ally Bank.
Reasons Your Ally Bank Account Might Be Suspended
These are the most common reasons your Ally Bank account might be suspended or frozen.
The most common reason for a bank account to be frozen is suspected fraud. In this case, the bank is freezing your account to protect you from theft, so it should be pretty easy to clear up once you contact Ally. Common transactions that can look like fraud include:
- Unusual purchases
- A small purchase followed immediately by a large purchase
- Your debit card being used in a different place
All of these can be signs that your card was stolen.
Suspected Criminal Activity
Ally might suspend your account if they believe that you are engaging in illegal activity. This can happen if:
- You try to write or cash bad checks.
- You receive unusually large deposits.
These can be signs of fraud or money laundering, so they can cause Ally to suspend your account to prevent this.
If you have unpaid debts, a court judgment might be responsible for suspending your account. This allows your creditors to freeze your account to recover the money you owe. If you have loans through Ally, your account can be frozen without a judgment. This can also happen with federal debt, such as if you have unpaid taxes or unpaid student loans.
What to Do if Your Ally Bank Account Is Frozen or Suspended
Ally Bank requires customers to be logged in to use chat or email, so if you can't log into your account, you'll need to start by contacting customer service by phone at 1-888-925-2559.
- If your account was frozen because of suspected fraud, you'll need to go over the transactions to verify if they were legitimate.
- If your account was suspended because of suspected criminal activity, you'll probably need to provide proof that you had a legal reason for making those transactions.
- If your account was suspended because of unpaid debts, you'll need to have the judgment vacated, which means either paying off the debt or setting up a payment plan.
If you can't resolve your issue over the phone, you'll need to send an appeal letter. In this letter, include your account details, explain your situation and make your case for having your account reopened. Mail your letter to this address:
P.O. Box 380901
Bloomington, MN 55438
How to Prevent Having Your Account With Ally Bank Frozen
The best way to fix a problem with your bank account is to prevent it from happening in the first place. Adopt these three habits to prevent having your bank account frozen or suspended:
- Tell the bank about unusual transactions ahead of time. If you're traveling or you've won big at the casino and you'll be making a large deposit, contact Ally and let them know what's going on.
- Stay on top of debt. Keep up with any loan payments you have, and contact the lender to come up with a plan if you won't be able to make a payment.
- Don't keep all your money in one place. Banking issues happen, including those caused by mistakes you have no control over. Keeping more than one account means you have another place to get some of your money if one account is frozen.
If you do these, you're less likely to have your bank account frozen and are in a better position if it does happen. Still, mistakes and misunderstandings can cause your bank account to be suspended even if you haven't done anything wrong.
Appeal Your Ally Bank Suspension With DoNotPay
Having your bank account suspended is distressing for anyone. You rely on the money in your account to pay your bills and buy your daily necessities. Getting the bank to fix your account can be difficult. This is especially true when you use an online bank like Ally, which doesn't give you the option to visit a branch in person.
Fortunately, DoNotPay has a fast, easy and successful solution. Let DoNotPay write an effective suspension appeal letter to Ally Bank on your behalf to help you avoid stress and have a better chance of good results.
Here's what you need to do:
- Log in to your DoNotPay account and locate the Unban My Account product.
- Answer a few questions related to your banned account.
- Click on the Sign and Submit button.
DoNotPay will write a customized appeal letter in less than five minutes and send it off to Ally Bank on your behalf, giving the company two weeks to respond.
DoNotPay Can Help You Appeal an Account Suspension From Any Company
Account bans or suspensions can happen with any type of business, from social media to shopping. DoNotPay can help you any appeal a ban:
Discover Endless Solutions From DoNotPay
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To easily appeal your account suspension at Ally Bank, contact DoNotPay now.