Consumer complaint received 2024-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I went to XXXX XXXX to have hair removal and planned to pay in cash. They offered a 0 % interest loan for the procedure split into monthly payments. I took the offer and made all the payments on time through the bill pay feature on my bank account. If the mail delivered the check to them a day early, even if they didn't process the check until the next day when it was due, they considered it a payment from the previous month and then charged me a late fee for not making another payment exactly on the due date. 

Here 's what that looks like for my payments and my loan : Loan on XX/XX/XXXX for {$3000.00}, 24 payments Payment 01 - Payment XXXX XXXX Posted XX/XX/XXXX {$120.00} ( I struggled to find where to pay but paid immediately once I figured it out ) Payment 02 - Payment XXXX XXXX - Posted XX/XX/XXXX {$120.00} Payment 03 - Payment XXXX XXXX - Posted XX/XX/XXXX {$120.00} - counted toward XXXX Payment 04 - Payment XXXX XXXX - Posted XX/XX/XXXX {$120.00} - counted toward XXXX, considered late Payment 05 - Payment XXXX XXXX - Posted XX/XX/XXXX - counted toward XXXX, considered late Payment 06 - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX Payment 07 - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX Payment 08 - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX, considered late Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX, considered late Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX, considered late Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX, considered late Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX, considered late Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX, considered late Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX,, considered late Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX, considered late Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX, considered late Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX,, considered late Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX, considered late Payment XXXX - Payment XXXX XXXX - Posted XX/XX/XXXX - Counted toward XXXX, considered late I consider this debt to be paid in full but Ally tells me I owe them {$700.00} in fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation