Besides the HORRIBLE customer service. I was lied to. I spoke with a rep from Ally on XXXX who took a payment from me in the amount of {$740.00}. She informed me that the amount would cover my past due amount for XXXX XXXX payment along with the late fees assessed in the account. Since she could not take the payment via her system for a future dated payment, she informed me that I would need to go online to schedule the payment for the XXXX and provide her with the confirmation number. I did. I also doubled checked to make sure that this amount that was being paid was going to bring my account completely current along with no more late fees. She said YES. She said you will be completely current however I would be due for XXXX payment just in a few days on XXXX. She asked about hat payment and I advised her that I would be able to make it at the end of this month. She told me that as long as I paid by the end of the month, that I will be ok and not accessed a late fee. I receive a collections call on XXXX stating that I am past due a payment for XXXX and that my late fees were over {$500.00}. I did n't understand why I even still had late fees after I made the payment of {$740.00}. She explained to me that the payment posted to my principle balance and not to any of the late fees. I told her that had to be a mistake bc the rep told me AND online told me that my payment with late fees was {$740.00}. She told me that she was going to open up a research request and that someone would call me within 24-48 hours. No one ever called. So today, XXXX I called back to get a status update and the young lady told me that the research had been done and that there was no extra payment made. My payments are {$470.00} every month. She then went to tell me that the remaining was applied to my returned payments from XXXX and XXXX!? Although those payments were returned, they were made up! I made the payments for the month of XXXX and XXXX! Something is n't adding up. Ally could n't verbally explain to me what was going on so they just indicated to me they will send me a copy of the billing history. I do n't need a copy, I have my own via bank statements! All in all, I was lied to and mislead to believe that my payment was being made to cover my XXXX payment plus late fees from the rep and online. The reasoning they are giving does n't sound right! I feel like they are just telling me something and its really challenging my intelligence. Please take a look into this ... anything that is needed I will provide. 
