We have XXXX auto loans with Ally fin. XXXX is perfect XXXX is total disaster. We bought XX/XX/XXXX and paid auto pay on both every month in XX/XX/XXXX loan XXXX 's auto payment was cancelled by Ally by mistake they never contacted me ( loan XXXX still perfect ) I got a letter saying we owed 2 months + late fees I paid over the phone one payment and was told I could resume auto pay once acct was current. I have continued to pay each month sometimes early and every month Ally says we are one payment behind because they apply my payment to the previous month and report it the the credit bureaus as missed payment ( not late but missed ) they have done this 8 times and now have ruined our credit. My husband and I have both tried numerous times to explain this and writing letters emails calling etc to fix this to no avail. My husband works for XXXX and they use Ally for most loans there and we have had such a devestating experience with them he has informed his bosses as to the trouble this has caused. I have all documentation supporting my payments and every month they do it again and again. I am unable to refinance my home because of them. I am considering getting an lawyer but do n't know where to go. My husband even offered to give them an additional payment if they fix our credit but we do n't trust them. If we pay them more how do we know they will really fix our credit score with regards to them. My husband is so upset that he has even considered telling them to just take the care back. Why would we do that though because we have made all of these payments. It does not make sense. We have XXXX car loans with them how can XXXX be perfect and XXXX be totally messed up? It is so frustrating and has really effected our life as we have XXXX kids and do n't make a lot of money and our only hope was to refinance our home as we have never been late in a payment and have good equity but our credit is low mostly because of Ally. Every time I call to speak with someone I am just treated like an XXXX and they just talk in circles and read from some script telling me how they understand and they are sorry and blah blah blah ... Oh and by the way when can we get that payment you owe? ughhhhhh!!!! I HATE ALLY!!!!! 
Please please help us. 
Thank you XXXX and XXXX XXXX 
