My vehicle suffered a total loss in XXXX 2014. My primary insurance paid the amount of {$10.00}, XXXX on a loan balance of XXXX, XXXX which left a remaining balance of XXXX. My GAP paid {$760.00} after a year, waiting for an updated valuation report on the vehicle. Ally now claims I owe {$320.00} because they applied the initial payment to principal as opposed to the total loan payoff. I dispute this amount since XXXX insurance payouts exceed the payoff. 
