Ally Financial Inc. Bank Account Or Service Complaint

Ally Financial Inc. Bank account or service department,

Checking account Making/receiving payments, sending money Montana

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 - - - was scheduled to be received by the bank by the -. On the - 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 - - - '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.