Originally Posted by tncruiser
if you are making the payment (and i assume you are as you stated excellent credit) and they are posting them and applying them correctly .what is there to be unhappy about
I know I am coming in late here, but this is a good question and I have a good answer.
My neighbor, whom I've been friends with almost all my life, uses bill pay through his bank and makes sure that his payment is made by the 1st, or if it is a weekend, as soon after as possible. It isn't considered late until the 10th. He has now had 3 different occasions when he has been sent late payment notices. Apparently, Ally doesn't count his payment until it clears their "system", which is a VERY slow process. He has shown me records showing funds deducted from his account on the 5th, but as of the 15th Ally would tell him that it hasn't cleared. They would condescendingly offer to waive the late charge. He explained to me that the people on the other end of the phone tend to be very curt no matter how nice he is, and trust me, he is a very nice guy.
His solution is to pay a month early since he doesn't want them messing with his credit because of their bureaucracy. He will be changing banks very soon. I just wanted to share in case someone has a choice. Avoid Ally for this reason alone.