I have used Ally as my primary checking account for receiving my direct deposits, paying bills, and using a debit card. This month my mortgage payment to XXXX XXXX XXXX was scheduled to be received by the bank by the XXXX. On the XXXX I was assessed a late fee of almost {$40.00} because my payment had not been received. I contacted Ally bank to ask about why the payment had not been received and was told " We do n't know why it is n't there '', " It hasnt cleared your account '', and " It should have made it on time ''. When I asked if I could cancel that initial check since I have no idea where it is, or if it ever did get sent so that I could ensure I could pay my mortgage over the phone or through XXXX XXXX XXXX 's website instead and not having to worry about needing enough funds to cover when the initial check cleared I was told that there was a {$15.00} check cancellation fee unless I waited until at least 10 days past the anticipated received by date. So now I am stuck with a {$40.00} late fee, a late payment on my mortgage and credit history, and a fee to cancel the initial check that still has n't made it to the bank, which leaves me with no way to pay my mortgage currently until I wait out the ten days, cancel the check, and finish transferring all of my money out of Ally. 
