<prompt> Human: My car got flooded out by Hurricane Harvey in August 2017. I had a 2013 Hyundai Elantra. I financed it through Ally with a 10 interest rate I bought it 2 days after my 18th birthday and I had little to no credit history. In all, I owed 13,383 for the car initially when I purchased it and I was paying 248 a month for 72 months. I had the car for a year before it got flooded, so here is where the problems began. When my car flooded out I made a claim through Statefarm and a few days later Statefarm contacted me and called Ally and we were all on a conference call together. Statefarm asked the Ally representative what was the loan pay off amount and the Ally representative stated it was 6,455.96 and Statefarm had already valued my car at 9,643, so they sent me a check for the difference 3,188, in which I used to buy a cash car because I hate car notes. I also had gap insurance and an extended warranty on my car, so Im under the impression everything is all fine, dandy, and taken care of. I get a phone call a few days later and Ally is requesting 3,920 from me and come to find out the Ally representative quoted us the wrong loan payoff amount. Now I owe 3,920 and I just dont have that type of money as a college student, plus I start nursing school in the fall so funds are pretty tight. Ive tried numerous times to get in contact with a supervisor but all my attempts result in a disconnected phone call or an employee leaving me on hold for hours only to tell me there is nothing they can do. How can I fix this? Is there any way they can forgive the loan without jeopardizing my credit? What should I do? I feel as if its not my fault I was quoted the wrong amount and I dont want to make payments on a car that is no longer even in my possession.  <response>: I wouldnt put all the blame on Ally. Yes, they misquoted the payoff. However, you shouldve known exactly how much you owed, that way you couldve disputed at that moment and perhaps made some other arrangements. 