<prompt> Human: tldr; Ally Bank is fine so long as you dont have any special banking needs, like ordering a cashiers check in a timely manner, or getting checks printed with a different address on them in anticipation of moving to a new address. If you need to change your account address not the mailing address and get a cashiers check, they will screw you over and over and over...I switched to Ally after getting fed up with customer service problems at Chase. I liked that they pay interest very little on their checking account and they arent a big evil bank. Sure, Ally is just GMAC rebranded, but they cant be as bad as Chase or Wells Fargo, right? Everything went well for the first year, until I needed a cashiers check for an upcoming move to a new rental house.First, some background - Los Angeles is a very tight housing market especially for rentals, and once you find your new home, you have to secure it with a lease and deposit asap to avoid losing it to someone else. I was given a 60 day notice to vacate my current rental house several weeks ago, and thats not a lot of time to find a new place AND move there.Once I found a new rental, I called Ally Bank to update my ACCOUNT address so I could order new personal checks, but I left my MAILING address the same since I didnt have possession of the new property yet. I didnt want 100 new checks printed with my OLD address on them. I agreed to pay 48 for 2-day expedited shipping on the personal checks because I needed them for upcoming expenses. I also made the CSR on the phone review BOTH addresses, and assure me the checks would have the NEW address printed on them, but would be delivered to the OLD mailing address.The next day I signed the lease and called Ally back to order a 4000 cashiers check. I promised the landlord I would deliver the security deposit via cashiers check his request in 3 days, after verifying that Ally could get a cashiers check mailed to me in 2 days. I thought everything was going fine, considering Ally doesnt have retail banking locations. I even left a 1 day cushion in case the mail was late, etc.The next day, I checked my Ally account online and saw that the 4000 hadnt been withdrawn from my account. I called Ally to see if there was a problem. At first, the CSR on the phone was evasive and cagey, and seemed reluctant to tell me what was going on. She said there was a fraud case opened on my account, and that was blocking the cashiers check. I got a little frustrated, and explained the time-sensitive nature of the cashiers check and mentioned that I had not gotten a phone call or text or email about the fraud hold. She wouldnt give me any info, and instead tried to call Stephen from their TX fraud dept. Stephen didnt answer her call, so she gave me his direct number and recommended that I email a copy of my drivers license, SSN card, and a bill with the new address on it to their fraud dept email. I explained that I didnt HAVE a bill with the new address on it, BECAUSE I DIDNT LIVE THERE YET. Also, I havent seen my SSN card in years - its filed away somewhere safe! She eventually explained the fraud hold was placed because I recently changed my address, then ordered a large cashiers check. I explained that I left my MAILING address the same, and that shouldnt indicate fraud. Besides, changing your account address with your bank and ordering a cashiers check is a common situation - if youre moving! She couldnt help me any further and recommended I call Stephen on my own to figure out what to do.So I called Stephen, every 15 minutes for the next 2.5 hours. I left a VM on the first call, but I heard nothing back. Since hes working in Texas and it was after 5pm there, I eventually figured he had just gone home for the day, and didnt give a shit about my situation. I finally went to a local Wells Fargo and opened a brand new checking account so I could wire money to it and have a cashiers check printed the next day.Finally, about 3 hours later, Stephen called me back. I explained the time crunch I was under, and that I had under 30 days to vacate my current rental house. I also explained that LA is a very tight housing market, and if I didnt have a cashiers check in 2 days, I could lose the new rental property and myself and my fiancee could find ourselves basically homeless, living in a motel in a few weeks it took us a month to find the new rental. Stephen was not moved, I would still need to email the 3 docs to prove my identity. I told him I didnt have a bill with the new address on it, and I had no idea where my SSN card was. I also asked him why it was suspected fraud that I updated the account address and ordered a cashiers check, but left my MAILING address the same... How did that indicate fraud? Even if a criminal had done these things to my account, I would still receive the cashiers check AT MY HOME and return it to the bank! Furthermore, Stephen had called ME on my cellphone, which is the number listed on the account, so clearly I cant be impersonating myself while talking to him RIGHT NOW. Stephen refused to listen to any amount of logic, and couldnt care less about the stress I was going through. I thanked him for doing a wonderful job and hung up.The next day, the wire went through and Wells Fargo issued me a 4000 cashiers check on the spot. No fraud hold, no endless phone calls, no Stephen telling me Im not who I say I am, demanding I send numerous docs to prove my identity.Thats the end of my problems with Ally, right?A few days later, I realized that in all the madness I was going through, I had totally forgotten about the Ally personal checks I ordered, which, because I paid an extra 48, should have been delivered three days ago. I needed the personal checks THAT DAY to make the last rent payment on my current house! I again called Ally to find out where the checks were and was amazed to hear they were shipped to the NEW address! This was driving me insane, because I didnt have possession of the new property and SPECIFICALLY confirmed with the CSR who ordered my checks that they would NOT be sent to the new address! The current CSR on the phone put a stop payment on all the checks in case they were stolen and recommended I try to retrieve them from the new property. I didnt know if that was possible, because if they were pushed through the mail slot in the front door, I wouldnt be able to get them for another 2 weeks. I also demanded that the 48 expedited delivery fee be waived because the checks were sent to the wrong location, but she said her system didnt allow her to waive fees ahead of time, and that I would have to call back again! to have the fee reversed AFTER it had posted to my account. Infuriating!I drove to the new address and was relieved sort of to find the checks sitting on the front porch. I was only partially relieved, because I knew they were sitting there for 3 days, and anyone could have stolen them while they were in the open, at a vacant house. I called Ally back this is call number 5! to have the stop payment reversed on the new personal checks. The CSR told me it would cost 15 to do so. I wanted to scream into the phone. I asked to have the fee waived since it wasnt my fault that the checks were missing for 3 days. Guess what? She told me she couldnt waive the fee ahead of time, that I would have to call back a SIXTH time to have the fee reversed.I gave up on Ally at that point and moved all my funds to Wells Fargo. Sure, Wells Fargo has done terrible TERRIBLE things to literally MILLIONS of people in the last few years, but they handed me a cashiers check THE SAME DAY I asked for it, AND mailed my personal checks to my CURRENT address with the NEW address printed on them!!! MAGIC! The guy who opened my account there even waived the 10 cashiers check fee for me - BEFORE it posted to my account!!! Amazing.On my last call, I mentioned I wanted to escalate my issues to someone at Ally, and the phone rep said she would do so, and that I would be contacted in a couple days by phone about my experience. Instead of a phone call, I received an impersonal email from Ryan at Allys escalation dept. The email detailed my recent transactions with no mention of the failed cashiers check or fraud hold in a cold and trite way, and didnt list any of the difficulties I experienced and explained to the phone CSRs. There wasnt even an apology from Ally, just a single line at the end of the email that said they regret if any of my interactions with the bank did not meet my expectations. Ridiculous. If they had simply used the words were sorry, it would have made a much larger impact. I replied to the email and added ALL the details that Ryan probably a computer system, and not a real person left out, but was dismayed to see that the reply-to email was a generic email box at Ally, and not even a direct email to this supposed Ryan person. I dont expect to ever hear back from him or anyone at Ally over all this ridiculous, infuriating madness they caused.The bottomline is, if you need anything more than a debit card and personal checks, or if you have any kind of unique situation printing new checks with a different address on them, Ally will most likely screw you over HARD. Their fraud dept is cold and inhumane, even when faced with the possibility that their incompetence could basically leave two people homeless. Their CSRs have very little power to do anything, particularly preempting fees when Ally clearly screwed up.I spent 1 year with Ally, and it was a cold, hard breakup.  <response>: I dont know what to say, you chose to go with an online only bank. You changed your address, ordered a bunch of checks, ordered a large cashiers check and they wanted to be safe with suddenly large amounts of activity happening that isnt too normal. If this was fraud, youd be on here ranting about how could they let someone do all of this and think it was normal. I have little sympathy for you and you shouldnt expect these banks to care that you promised someone this and that and need last minute items because of your own choices. 