Managing the loan or lease: Vehicle loan or lease

I am filing this complaint against Ally Financial ( Ally Auto ) regarding their customer service barriers and predatory payment allocation practices that are putting my vehicle at immediate risk of repossession. Currently, I owe $1500.00 in past-due monthly loan installments, and an additional $1000.00 in accumulated late fees. I am ready, willing, and trying to pay the full $1500.00 past-due installment balance right now to bring my loan calendar current and protect my vehicle. However, Ally 's automated systems automatically route payments to outstanding fees first. I have repeatedly contacted Ally Auto customer service to request a manual payment override so that my $1500.00 goes strictly toward my installment principal, not the late fees. The customer service agents I am connected with have severe language barriers, refuse to assist with a manual override, and actively block escalation. When I explicitly demanded a supervisor, agents used stalling tactics, falsely claiming that " all supervisors were at lunch '' and refusing to transfer my call. I am being actively prevented from paying my core debt to secure my property because Ally 's frontline staff will not process a targeted payment allocation. I request that a U.S.-based executive resolution manager contact me immediately to accept my $1500.00 payment, apply 100 % of it to my past-due monthly installments, and provide a full review or waiver of the $1000.00 in late fees.