GMAC Mortgage

I bought my condo back in 2005. It was not until in 2011 that GMAC decided to purchase additional flood coverage for my property. They claimed that I, all of a sudden, needed more coverage. After fighting back, they would decrease the amount then charge me again, then refund me the amount and a day after, a letter will be in the mailing charging me again. After going back and forth with them (by mail), they sent me a letter explaining how they had made mistakes in 3 occasion and reduced the insurance amount. I was done fighting and I was paying an extra $500.00 on insurance that I did not need. Most recently, they charged me $2500 claiming I needed to send them a copy of my current yearly renewal. I kept getting letters from them even though my insurance and I both sent copies of the flood insurance to them by mail and fax.

I applied for several loan modifications over the past 3 years and was denied. I was told that because I was "upside-down" with my mortgage (an 80/20 loan), that I could apply for a CLTV 115, when they launched this program last 05/11. I started the paperwork on 05/11 and over six months later, was given an "approval" and a 12 PG. Loan Commitment, dated 11-25-11 and signed by Michael P. DiComo, VP, GMAC. All the additional conditions, riders were met. On February 3, 2012, a few minutes after signing our updated "Good Faith Estimate", delivered electronically by Ally, I received a phone call from Lauren, a GMAC representative and she stated that, GMAC now has "stricter guidelines" and denied our short-refinance. My GMAC loan processor had just spoken to me two days prior and stated that she had a target date of February 8, 2012 for completion. I believe GMAC make their own "rules" and "guidelines" as they go along and have no intentions of helping the homeowners.

Process began in September 11. I wanted to refinance to a 15-year vs. 30-year mortgage. First contact was with David ** (California). He put me in contact with Beth ** in PA. Was very nice. Sent the package, which I filled out and returned. Then she called me mid-November and said there was a question about 'alimony' on my 1040. She asked for three documents, for which she sent me another FedEx envelope for. Just prior to Thanksgiving (to be exact November 17 at 1415), I talked with Beth. She told me that all the paperwork had been received and that everything is fine. She also told me she was going to be on vacation and that I would probably get a call from Linda ** to set up the closing date. After that, November 30 thru December 16, I left messages with Beth (all unanswered).

Now we're talking 40 days with absolutely no response from GMAC. On December 26, I emailed David **, who finally responded on December 28 that Beth needed these documents--the same that she told me that she received in November. That is when I asked David to cancel the application for the 15-year. Your company's (Ally Financial) customer service is not the type of service that I will use again, and neither will any of my friends, who may be considering it. I have never missed a payment on my 30-year (auto draft) and my 15-year would be approximately the same monthly amount.

I was calling to get information to pay my bill, and I had to speak with someone who does not speak good English. I could not understand them. I found out they were in the Philippines. I called back, and the next rep was in Mexico. I want to speak with someone who speaks English to speak with someone who speaks English that I can understand.

We got behind one payment last January 2011. We asked GMAC for help and they said we had to be three payments behind. We decided to go ahead and just move. We continued to talk with GMAC and they told us we had to move immediately back into the house before they would help. That was May 4th. We moved back in May 6th. We were told to refile the loan modification papers and it would be about 30 days before they let us know something. We told them we had the money to bring the account forward to April but were told to wait and pay it on May 26th.

When that day came, they refused the money and we had to call them again. We were told the house had been foreclosed on May 3rd and to contact a foreclosure lawyer. He told us we would have to pay $8,000.00. We didn't have that much money so he told us to call GMAC and see if they would work something out. We did but they said no way. Pay the amount or be out by Sept. 2011. They had sent several letters stating they would try to work with us so we didn't understand why they would rather take the house when we could pay the four payments that were due and had no problem making the regular payments.

But we received a sale date letter and it said we had to be out by that time. It doesn't seem right that they foreclosed in less than four months. What is really bad business is that they were telling us what to do, knowing all along they had already foreclosed. It caused major health problems for me and the expense it cost us to move. I sent them an email thanking them for their unprofessional behavior in the matter and for costing us the loss of our home.

A supervisor called the next day and said there had been some kind of miscommunication. But we were in the process of moving into something beyond our means and told him it was kind of late to be telling us that. We had to sell most everything we owned to make the move. It bothers me every day that a company could be so cruel. I feel that we should be compensated for our loss.

My family lived in Roseburg, OR within a true 'dream home' we purchased with a mortgage loan through GMAC. This house was purchased through a VA loan and guaranteed. From 2008-2010 we experienced what countless other homeowners have witnessed in having any business dealings with GMAC and their policies/staff procedures.

After my wife was unemployed for medical conditions, we made the mistake (as I've read of others who also have made contact with GMAC) of asking for a loan modification and found out several months later that our loan was serviced by 'Ginnie Mae' as compared with Freddie or Fannie and, therefore, we were denied any modification of our loan. Long story-short, we were foreclosed, but fought long and hard to achieve a 'short-sale' which finally occurred only after I wrote to my OR Congressman to get some actions completed by GMAC; otherwise, we would have had the offer to purchase removed due to delays in final escrow. Sound familiar?

GMAC is now being reviewed for those cases (including ours) for the practices they demonstrated during loans from 2008-2010 who either were in foreclosure or for sale through auction. We have been approved for the review and will have all our documentation produced to show clearly that this unethical and unscrupulous company is purposely taking advantage of their home purchasers for financial advantage and contributes to the financial ruin of families and homeowners. Our circumstances were such that I had to 'take on a new job' through my employer and move my family to another state. It is a certainty that from this day forward we will never have any financial dealings with GMAC or companies associated with them. How's that for bailout, GMAC?

My mom passed away and I am the personal rep for her estate. First I was POA and sent GMAC those documents. I have not sent the death certificate nor my personal rep documents. However, the payment is due on the 1st. Grace period is thru the 16th. They call if the payment is not recorded on the 1st. They are harassing me so I am forced to set up an AHC direct pay on the 1st with them. I refuse. My payments are sent on time and within the grace period but they constantly charge the late fee and send the form letter. The gals call and speak to me even though they don't have the documents on file, but won't speak to me when I have a question. Anything to get an extra buck out of me and it is illegal. I want to represent myself and sue them. How would I do that? No funds for a lawyer.

I've have had a lot of problems with this company. Lost payments, poor payment arrangements, taken home owner insurance into their own hands and I had to fight to get it payed through the way it was. Now, for the past 6 months, I get a phone call, asking where the payment is within 2 days of the due date. This is not right. They get their payment within the due date or 2 to 4 days of the date. I wish someone else would get my account.

I got into an illegal loan. The family home of 67 years was foreclosed in1-2011. My father is original owner and was thrown into the street at the age of 96. The court system failed to remedy the problem.

This company took an unauthorized payment from my account. I made them pay the late fee, yet, they just took the payment without even speaking to me! They are awful!

In 2006, I was diagnosed with an illness and was temporarily out of work. I contacted GMAC and requested assistance with my mortgage at 2 Neal Street, Sumter, SC 29150. After several conversations in different departments including letters, my house was placed in foreclosure. Household Bank was the second mortgage. When a lawsuit was settled with Household Bank, I did not receive any monies. GMAC purchased my mortgage without my permission. I strongly believe that I was taken advantage of.

I acquired property in Dothan, AL 32440 upon the demise of (loan originator) on February 14, 2008. At that time my son was living with his father and there was extreme sadness, laborious matters and details to resolve, so I assume the mortgage. I have continued making payments on the property from February 24, 2008 through January 2012. In March of 2011 my son joined the US Marines and I began to aggressively market the property for sale. After his completion of boot camp and training his items were moved into storage as he is not expected to return for many years.

The house is vacant and has been marketed for sale for this entire period. The market in Dothan, AL is extremely distressed and the value of the property has dropped below taxable value and originally appraised value by GMAC mortgage. My losses are already exceeding $40,000 and I have made countless expenditures (just putting in a new AC system) as well as making all the mortgage payments on the property. The taxes are paid and I have evidence of payment for 2011. I received an offer for cash to close in one week on the property. You can imagine my delight. I need to make arrangement for the difference in funds required to close on this property and have been unable to receive that information timely from GMAC due to the fact the property is not owner occupied.

This detail prevents me from making an informed decision regarding funds necessary and the lack of concern or cooperation GMAC is insulting me with. They are retaining they have a right to 48 hours to provide me an estimate of payoff. I cannot respond to this offer without this information. I am told it is being withheld because the house is vacant. If it was occupied by me, I could know it immediately. That is just wrong! Wrong! This has the potential to keep me from making this sell or accepting the offer due to lack of information regarding how much money I am going to have to provide to close the property. I believe they should share in my liability for such a loss.

It would seem to me as a tax paying bank failure bailout citizen I could get someone at GMAC to provide this information as a matter of customer service. That is hardly the case. So as a matter of my right to know it I firmly believe GMAC is potentially liable to my welfare and my ability to sell this property. I am not withholding payment from them, so why should they be allowed to withhold this information from me? They are allowing themselves without regard to me 10 minutes to 48 hours. However, as of the latest person I have talked to, that is really a minimum of 24 hours. I have been on hold for over an hour in some kind of standoff for information I believe is mine to know! Please assist me. This is just wrong! By the way, wait time is now one hour and 25minutes.

I rate this company "0", we never missed a payment even when my husband was unemployed for 5 months. We live in Texas and we had the worst hailstorm in over 20 years. USAA our insurers sent out all the checks in a timely manner, which we endorsed and sent to our mortgage company. So 7 months later and about 200 phone calls we had still not had our checks from GMAC, always an excuse, a mess up.

The amounts were wrong, the damages were estimated at $43,990. So far we had $28,000, 3 separate checks, the last one coming in at Christmas. We had our 90% inspection done, did we have the balance? No. Although they did say after the 4th call that they would send us $11,000. My bank account was empty and I had to pay for repairs to the house to get to 90% complete and still no check from GMAC.

Please do not use GMAC. I feel so lost as what to do, it seems that this is almost illegal to sit on my money. There is nowhere to go to file an official complaint against this type of behavior.I understand why we are in a recession if the banks and wall street act this way!

I got behind on my mortgage in July 2011. I filed on 9/23/11 with a GMAC Representative for the HOPE program by the name of Bill **. After sitting with Bill and submitting all the requested information, I was told I would be hearing from him on the outcome of the requested modification and/or forbearance. He assured me I had nothing to worry about, GMAC certainly wants to do what they can in order to keep me in my home. I was then contacted via mail some 30 days later by Jason **, Relationship Manager, Single Point of Contact, GMAC Mortgage requesting the same paperwork be submitted. I was then informed that Bill is no longer with the company and I would have to start over with a new request.

It made me wonder where did my original paperwork go? Did Bill take it home with him when he left the company? I offered to begin a repayment plan while the modification was in review and was told that only the total amount due would be accepted, which is now 3 months of payments, but that would simply be put on the back of the loan once modification is approved. I then submitted all requested documents via online upload on GMAC's website, was told of more information being needed, submitted all requested information and was denied based on not enough income. I submitted another request including the income of my daughter who is active duty in the military. I was told all information needed to be submitted 7 days before the sale date on the courthouse steps of January 5, 2012.

I submitted all information via online upload on GMAC's website on 12/20/11 and one remaining document on 12/21/11. I am clearly informed of the 24-48 hours it could take in order for GMAC to image all my documents. I spoke with Jason ** on 12/22/11, he told me he could see all my paperwork and advised that my daughter send a letter stating she is willing to contribute income to the household, which I did that same afternoon. However, my documents were not imaged until 12/27/11. On that same day, 12/27/11, I was told a postponement of sale date would be submitted. I was also told the same thing on 12/28/11. I spoke with Andy on 1/3/12 12, he who informed me only one request for postponement had been submitted and was rejected due to it not being 5 calendar days out from the sale date of 1/5/12.

This is a policy that the person submitting the request should have been aware of. Another request was not submitted at time of rejection, I asked Andy why not and he replied, "I don't know why it was not done." I then asked if a new request could have been submitted and he said, "Yes, one could have been submitted on 1/31/11. The offices were open but with limited staff." Andy said he was submitting a request to postpone the sale date pending review of new documents for modification keeping in mind that we are now 48 hours away from the sale date of 1/5/12 at 1:30 pm and there are no guarantees. I then called South & Associates PC (9136637600) who informed me they were unaware of this request and they do have access to GMACs systems.

I then called GMAC back and spoke with Kaitlyn who saw no request being submitted at all. We were disconnected and upon calling back, I spoke with Angela who could see Kaitlyn put in a request, then could also see a Susan ** put in a request that same day, 1/3/12, to postpone sale date pending review. While on the phone with Angela, information was being updated on my account requesting more documents, namely a check stub with my name on it. While they do have the stub, my name has disappeared from it while in the image process, although it can be clearly read on my file that was uploaded on 12/20/11. I resubmitted the requested check stub along with a newer one as a just in case at approximately 2:30 pm on 1/3/12, 47 hours from sale date.

At this point, it was still in "review" and no one can give me the same answer, state the same policy or read the same thing from my file. I called GMAC the morning of the sale date, 1/5/12, and was told I was still in review. The lady on the phone repeatedly told me that I did not have my full package in before the 7-day deadline. I told her I did and have documentation to that effect, yet since only my name disappeared from my check stub, it was not a complete package. She could not tell me if a postponement request was sent, and even if there was such a request the foreclosure, attorneys have the option to not accept it. When I spoke with the foreclosure attorneys, I was told by them that they have to listen to a request of postponement due to the fact that GMAC is their client.

During this phone call, I decided to offer a urine sample, they didn't accept it. I also asked who they are regulated by, the FTC or the OCC? After the representative began stuttering, I realized I had hit a nerve and filed a complaint with both. My foreclosure sale date has been postponed to 2/2/12 while pending a review for modification.

Dispute began a couple of months ago when GMAC claimed they were contacted by our county tax office regarding our overdue taxes. We did not have an escrow with GMAC, never did). GMAC did us an alleged 'favor' by paying 2010 school tax and 2011 taxes. Our county gives you two years to pay your taxes before they take any action (sheriff's sale) by the way. At any rate, GMAC paid them. Then they demanded over $4,000 back for an escrow analysis.

I acknowledged the tax issue but that was not the problem. But I offered to work with them if they would work with us on re-paying the taxes and establishing a new escrow for payment of the 2012 (and forward) taxes. We have two kids in college and could not afford four or five hundred more dollars in a house payment every month. They were very inflexible and did not appear at all interested in working with us. My husband and I continued to discuss things, and decided that come 2012, we could afford to budget an increased payment, so long as GMAC could spread the re-payment amount over at least 24 months.

On December 16, I went online to balance my checkbook and I saw an ACH debit for over $1000! I damn near puked because it was a week before Christmas! GMAC helped themselves to $520 extra out of my checking account for the escrow which we never agreed to! I called GMAC and spoke to a Norman ** who allegedly was a customer service supervisor. I spent over half an hour on the phone. Norman stated he would send us a check by express mail for the $1057 and then we could pay them by check the regular amount of $536. In January, we were to begin the new amount of $885 to repay the back taxes and establish the escrow for future taxes.

Norman said he would call me that Monday to confirm everything. Needless to say, he never called. We never got a refund. We never received any papers in the mail to agree to the repayment terms. I called Norman four times. He never called me back. On December 30, since the first of the month was approaching, we got anxious thinking they would probably try to pilfer another $1000 out of our account, even though we canceled the ACH with them. I went to see my bank manager and told her what GMAC had done. She responded swiftly. Midnight last night, the bank reversed the debit and I got my $1057 back because the amount GMAC took was unauthorized!

We will now send GMAC a money order for our regular payment. I intend to send nothing extra to them, until they man up and fix this. If we get one harassing phone call, we are going to get a lawyer and file suit against them. After reading all the complaints here, I fail to figure why a class action suit has never been filed against this company and its (at minimum) inappropriate and unethical business practices. Do not hesitate to file a complaint with the BBB and your State Attorney General! GMAC needs to be put out of business!

We have been in our home for 17 years now. The last 8 years has been financed by GMAC which is not a good thing. We asked for a loan modification and like everyone else, was denied. I don't think any of their customers qualify even though they all got rich from our money with their bail out. Finally after much arguing they said we could do a re-payment plan of which we complied.

Now we are somehow a month behind because they keep putting all these fees and inspection fees each month. They know we live in the house I talk to them constantly. In fact last week their inspector actually pulled in my driveway and talked to me, was a pregnant lady in a car trying to figure out her GPS unit. My address didn't show right and she asked me where to find my own house, which was to say the least stupid on her part.

I don't know what she inspected but I am sure we were charged for her not being able to even find the house. Now each month we are getting $57.00 late fees because they held payments at the beginning of the re-payment plan to make sure it showed late, then applied almost 3 payments all at once. I don't think this is legal but we are stuck.

A late payment record in error is on my account. I was unemployed, and told I had a 3 month grace period from 12-10-2011, and GMAC reneged on their promise. It caused an adverse effect on my credit.

July 12, 2011, I went to the hospital for surgery on my ankle and was unable to work for 6 weeks. During that period of time I fell behind on my mortgage payments at $5059.24, including late and miscellaneous fees. On 9/23/11 I brought my account current through GMAC Mortgage Speedpay at $4779.50, which was the total amount due less late fees and miscellaneous charges. On 9/12/11 I completed the paperwork sent from GMAC for a trial modification and sent all paperwork to GMAC on approximately 9/23/11.

On a letter dated 10/6/11 GMAC broke down the modified loan amount for November at $1298.92 through February, and at the same mortgage payment stated this payment was for a trial period of 4 months under GMACs Home Affordable Modification Program Loan Workout Plan. On October 27, 2011 I made the first payment of $1298.92 for November, and on December 1, 2011 I made the second payment at $1298.92, keeping the account current under the terms of the trial modification agreement.

On Dec. 9, 2011 I received a letter stating GMAC was terminating the trial loan modification because I did not comply with the terms of the modification agreement. On Dec. 9, 2011 I received a letter from Maida ** (GMACs representative for the Loan Modification Program) stating her new direct telephone number. On Dec. 10, 2011 I received my modification statement showing the payment due for Jan. 1, 2012 was $1298.92. On Dec. 12, 2011 I called GMAC and spoke to Maida's assistant who told me GMAC never received the signed and dated Loan Modification Package. On Dec. 12, 2011 I again called GMAC and spoke to another individual who stated $2,000.00 would bring my account current.

On Dec. 12, 2011 I called GMAC a third time (trying to speak to my modification representative Maida) and was told $2158.68 was due to GMAC to bring my account current and also the reason for the termination of the program was I had not faxed back page 7 of the Home Affordable Modification Program Loan Workout Plan. I signed and dated the document on 10/21/11 and received the fax verification confirmation on 10/21/2011 at 13:29 pm.

I made an appointment for Maida ** to call me on 12/13/11 at 2:30 p.m. Pacific Time since she was my primary contact at GMAC, and, verbally and in writing, I was receiving such conflicting information about the amount needed to bring my account current. Maida did not call on 12/13/11, so I called again on 12/14/11 and again could not reach Maida but was told verbally the total amount due to bring my loan current was $3158.00. On 12/15/11 I again called GMAC and spoke to Maida and was told the balance to bring my account current was $3178.00.

I then asked to speak to Maida's supervisor and was told the reason I was no longer in the trial modification program was because GMAC did not receive page 7 of the Home Affordable Modification Program Loan Workout Plan. I then told him I have the confirmation of the document being faxed on 10/21/11. He then stated the fax confirmation is not proof of the document being faxed and once an individual is removed from the program on the computer reinstatement is not an option.

On 12/23/11 I again called Maida to confirm the exact amount due to bring my loan current. Maida told me the account was 2 months delinquent for the months of November and December 2011 (the two months I was in the trial loan modification program). Maida stated the account was currently $3609.86 in arrears; there is a credit on my account of $1021.34 which brought the balance due to $2588.52 including late and miscellaneous charges. I was then told by Maida that GMAC would not start foreclosure proceedings if $2156.68 was paid and received by GMAC by Dec. 31, 2011.

This amount excludes late and miscellaneous charges applied to my account. I had Maida verify that $2156.68 was due by 12/31/11 and this amount of money would bring my account current and keep the loan out of foreclosure. Maida also verified the only money due once $2156.68 was received by GMAC would be the January 2012 payment, which would be late January 16, 2012 and the late and miscellaneous fees could be paid monthly at $20.00 per month until paid in full or at the end of the loan. Maida also verified this information with my mother on 12/23/11.

To date I have received all information regarding the amount needed to bring my account current verbally, nothing in writing. I have never received anything in writing from GMAC providing the breakdown of the $4779.50 applied on 9/23/11. I have documentation to support all of my concerns with GMAC.

I had fallen a month behind on my mortgage on 11/01/11. They sent me a foreclosure letter in the mail, on 12/02/11. I had made the 11/01/11 and 12/01/11 mortgage payments, and now was caught up. I had set up the 12/01/11 payment to come out of my bank on 12/08/11, witch it did. They tried to get me to pay the 12/01/11 payment on the 30th, and I said no, because it would be late, and I would also get hit with the late charge. I explained to them, I always pay it before the 16th. I confirmed the two payments that I made on 12/02/11, for 11/01/11, for the amount of $1,470.69, and the payment to come out again on 12/08/11, for the amount of $1414.55. They took out two more payments without my consent, on 12/19/11 for $1,414.55, and again on 12/23/11, for another $1,414.55. I am now in the negative (-$1,266.43) in my checking account on Christmas Eve, and I was not able to finish shopping for gifts.

I had called them about the first time they did this on 12/16/11, and they said they would send me a check in the mail for the $25.00 overdraft fee, and they sent the $1,414.55 back into my bank. On 12/23/11, I went to my bank and filed an ACH Stop payment Authorization. It is now 12/25/11, and I have no access to my cash in the bank, until 12/27/11, when they reverse the transaction.

Early in 2011, we accidentally and unintentionally sent GMAC an NSF check. By the time we found out, our next month's payment was due. The payment is due on the 1st and we sent the check on the 3rd. By then we were over 30 days late and they would not accept a payment unless we paid both month's payments at once. The house is a rental and each month we were going in the hole on the house as the rental income was about 500 less than the monies received. We did what GMAC asked about listing it for sale and tried to jump through all their hoops. We repeatedly offered to do a deed-in-lieu, but they refused to accept it. At Thanksgiving, we had an offer on the house.

The potential buyers made an offer and GMAC did not counter or respond other than to tell us that we had to close by 12/14. The realtor told them that we could not close until GMAC accepted the offer. The guy who was supposed to be our contact at GMAC (he was supposed to expedite our offer) did nothing but cause problems and then in the middle of the time period he went on vacation. No one at GMAC would work with the realtor or let us to move this along. In the middle of all this, we found out that the house was going to foreclosure on 12/19/11. We had not been notified and only found out during a phone call to GMAC trying to expedite the process. GMAC was horrible, awful and terrible to try to deal with.

How do I find a lawyer to sue them? We lost the house to foreclosure which will ruin our credit for the years to come. We had a potential buyer but GMAC basically used a passive-aggressive approach to working with us. Had they not been so frustrating at the beginning about demanding we pay 2 months at once, we could have saved the house from foreclosure.

I called GMAC this evening after I received a letter from them 3.5 years after I lost my home to foreclosure stating that I had a $75k+ balance on the 2nd mortgage. The loans were formerly with another terrible mortgage servicing company, ASC. I lost my home in 2008 and was assured that both loans were forgiven. I received a letter from ASC stating such. However now, over 3 years later, GMAC is trying to collect on a home I have not lived in for over 3 years. When I spoke with the representative (teller # **), she was far from helpful and kept reading from her script. I asked her to speak with someone in their loan research department, and she said no one else could assist me, and she was it.

Needless to say, I got nowhere with her and she didn't even offer any other assistance. She talked through me when I was speaking and wasn't even willing to listen and consider my side. I also shared with her that the loans were no longer showing on my credit report - for over 3 years! Tonight I made a screen shot of my credit information to prove that these loans were not showing up and were resolved. At this point, I told her that we would keep going around in circles and I would have to engage an attorney to resolve this matter.

After reading numerous complaints, so many of them very similar to ours, I thought I'd share our story. We had requested a loan modification due to loss of income. I filled out all 25 pages, faxed it in, and got the phone call about a week later from our relationship manager who just wanted to introduce herself. About 2 weeks passed and I got the call that we didn't qualify and was told how sorry she was that they couldn't help us. I asked her what we were supposed to do now because we were struggling. I was given a list of agencies to contact that may be able to assist. I might mention that we also didn't qualify for the Making Home Affordable or any of the other programs that were given to me. Basically, you can't qualify for squat unless you're behind in your payments.

GMAC will not work with its customers at all. They refuse to waive any late fees. I was instructed to focus on the payment and not the late fees because they will be tacked on the end of the loan and will get paid. I was also instructed that I need to get rid of the home phone which is how I get internet, turn the satellite TV off, get rid of the cell phones. I don't drive so much because of the monthly gas dollars being spent. Easier said than done when you have to drive an hour one-way to get to work, shop sales when grocery shopping, use coupons, shop second hand stores.

I think my sister said it best that just because you're poor, you're not supposed to have TV or phone. What really blows my hair back is the relationship manager wants to keep in touch weekly. I really don't know what the hell for. Why do I need to talk to someone that sits there and pretends they care when they should be getting off their ass and doing something. I have been nothing other than proactive trying to avoid a major issue before it occurs. GMAC doesn't want that. It was a waist of time, paper and ink trying to get them to do anything.

February 2008short sale. One week later everyone called back. Calling GMAC regarding the problem, I was told it was in litigation and they could not tell me any more. Now, December 2011, I am receiving foreclosure documents. In between, I believe, the house was sold for taxes. I have not had access to the home since February 2008. I gave the keys to the couple that had bought the property in short sale. I'm out of work for 4 months and stressed. I took a $5 an hour pay cut. Again, the stress of this situation. If I could have been living in my home for the past 3 years instead of renting. Now, I'm wondering what will happen again.

We were refinancing our investment property, it was a four-month ordeal. At the last minute, we had a family member get sick and my husband and I were just feeling a bit sketchy about the loan process. So in our best interest at that time, we withdrew our application. Knowing we were responsible for the appraisal fee, I asked our loan officer to send information (bill) so we could satisfy the fee. GMAC placed this charge without authorization onto my credit card. What an unethical and despicable practice. I have submitted a transaction dispute with my credit card company and I have contacted GMAC customer service. I am waiting to hear back from both.

GMAC mortgage just won't work with us and we have made our payments for 8 years and owe more on it than we did when we started. They have harassed us on a daily basis for more than 6 of those 8 years before we started refusing to answer the phone. They called themselves helping us do a modification loan and I had a heart attack and lost wages at work so they said we didn't comply with the agreement. They caused my heart attack with the stress they put me and my wife under for 8 years. Both of our healths have suffered from this which I think they would rather me dead so they could be paid off. That is sad and sadistic.

We have tried to get refinanced and couldn't so we are stuck other than letting the house go back to them and we would be liable for the large amount owed on it because it is not worth what it is mortgaged for. There are millions of people in the same boat as we are and I think if we talk to the important people running for president since it is election time that we might get something done about this. They cannot keep getting away with this and ruining peoples lives this way. They should not have been bailed out, it should have been us! I tell everyone I talk to not to deal with GMAC because they are crooks.

I will retire in twelve years and I hope I don't have to wait until then to pay my house off. My wife and I have not had a life in the 10 years we have been married for trying to dig our way out of a black hole of nothing less. They will pay for what they have done to all of us in the next life but I hope we don't have to wait until then to do the happy dance. I now know why people have killed themselves over this and tried to kill others and robbed banks and such over this. This is utterly ridiculous to let them get away with this as long as they have. I hope that when their time comes that they suffer a great loss! This is our home and our children and grandchildren call this home. We cannot and will not give it up! We will fight and it won't be pretty at the end GMAC. Remember it's Election Time.

GMAC has the worst customer service I have experienced in quite a while. I have been a loyal and on-time customer for more than five years. I have never missed a payment and recently found myself laid off. So, I thought I would be proactive to find out what my options are regarding loan modification or anything else. I called GMAC and explained I was unemployed. The initial person said, "We will send you a packet." When I inquired about the contents of the package, I was told to just wait everything would come in the mail. The package finally came more than two weeks later, I completed the packet within three days and returned. Three days later, I received the first letter stating that they sent me a packet and I failed to return it to them.

I called them and they stated that it was a formality. I felt as though I was being harassed by a bill collector even though I never missed a payment. Then an assigned person contacted me regarding the loan. I missed the call and called back. The young lady taking the call told me within 3 minutes of the conversation that I did not qualify for any type of loan because I was unemployed. I was devastated! They had not even had the paperwork back three days, I then received a letter stating exactly that within 5 days along with GMAC tagging my credit report on the front page with a request for loss mitigation.

I contacted the company to remove such an inquiry when previous inquiries merely stated loan inquiry. I thought not only does this company not intend to assist me but they are attempting to ensure no one else assists me, as well. By the way, two of the young ladies stated I should continue to pay until I can pay no longer. I thought wow! A company encouraging people to miss payments instead of assisting customers with seeking solutions. Then, I decided to lower my payments by reducing my PMI. After all I had never missed a payment and was a loyal customer, I thought.

I was sent a letter that said because I requested information on a loan modification and did not qualify, that I was denied a reduction. Again, I thought wow! A customer who attempts to do the right thing and a company who fails to help, even with a government backed loan. This company is pathetic. So, I have decided that this company no longer deserves a loyal customer such as myself and I will work hard to move my business elsewhere.

I am getting phone calls from GMAC all the time, and they are not even for me. I have no account with them. I have spoken with a manager three times to get my number removed. The last time was at 11 this morning, and what do you know, I just got another call at 3 PM. This has got to stop. I am being harassed for some other person's debt that had my phone number a year ago.

I have a second home that I bought about 25 years ago in NY. I have moved to MD about 2.5 years ago and bought another house. I have paid my bill by mail for the last 25 year and always on time. In the last three months, GMAC does not cash the check sent to them at the beginning of the month (pay day without charges is 16 of the month).

Their collection department then calls and harasses me.They even once called for credit number on the phone which of course I did not give them. They cash the check later and then charge me late fee. After the last episode this month I am switching to auto bill payer for my protection.

I try for a home modification loan. And was turn down. My payments with them are $1888.88 a month. At a 9.8% rate. I haven't been let. I am behind on my bills just to keep my house. They will not work with you at all. I would love to get away from them but my credit is not that good, so i am stuck. They tell me I make to much money. They got there big bail out money, and who do they help themselves. if I walk away from the house they still won't be able to get what it is worth. So why not work with me that is the big question.

I lost my job, got behind, and sent payment to get me current. They refused it and two months later, sent it to foreclosure. Before it went to foreclosure, I applied for Making Home Affordable and they turned me down twice, they wanted to count my student loan as an expense. I'm still in school and therefore it should be counted as such. I got 3 part-time jobs and they wouldn't consider it still, so now I'm fighting to keep my home for me and my disabled son.

I am a single parent that has had a mortgage for 9 years and has never been late once. But ever since GMAC has bought the mortgage, I have had nothing but issues. This recent issue has almost caused me to go bankrupt and become behind in my payments. Something must be done to stop this. I get about two letters a year requesting proof of insurance only since GMAC has bought my mortgage. I quickly check with my insurance agent, the same one I have had for the past decade, without lapse ever, and their response is always the same, "I have already sent that to them but would be more than happy to do it again."

The last time it happened, my agent quickly sent the papers off again only to have GMAC force me into escrow and send my insurance company a check after they had received the paperwork showing I still had insurance, the same company I have been with over the last decade. Now, I am forced to pay almost $400 more a month for this escrow amount while I wait on a refund from the insurance company to send back to GMAC. Meanwhile, I am still paying $200 a month out of my own pocket for my home and car insurance while I am being charged with GMAC while I wait on a refund check to send back to GMAC that should have never gone out in the first place.

This is some shady business and it is no wonder to me now how so many people are still losing their houses with practices like this. I have never been so disappointed with a company before and I intend to contact a lawyer and the media to have this checked into and see if this is happening to many people that are losing their homes. If it was not for my good support system around me, I would have been late for November's payment and would most likely have given up and let it go into foreclosure. Just to sum it up, I have now paid an additional $400 for this "shady" forced escrow payment that is being refunded plus my normal insurance payment of $200 for the month of November.

This made my insurance payments total $600, which is almost the exact same as the actual principal and interest of my normal payment of less than $650. Something needs to be done to help people like myself going through this. I was told I would have to pay an additional $400 a month of my normal payment while paying out of pocket insurance. Once the insurance company got GMAC a refund, then I could be refunded the additional money I have paid in my mortgage payments.

I just paid off two no-escrow fixed rate loans with GMAC and CitiMortgage at the same time. GMAC withheld $230.43 for escrow! Plus, they charge more fees than CitiMortgage. GMAC will not release the money back to me for 15 days. Then, I have to wait for the USPS to deliver the check back to me. That means I might see it after Thanksgiving. I have not been late for one single payment in the last six years. And this is the way GMAC treats their customers.

My home was damaged in a tornado and my insurance company sent a check in a timely fashion. GMAC had to sign the check and I have spent at least 10 hours on the phone with them trying to get some of the money back to pay the contractor. Every time I call, I have to speak to a new person and re-explain the situation. I have been told 4 times now that everything is all set and they would send some of the money. After several weeks, I am informed that yet another document is missing and they won't send the money. They even told me they needed to speak to my contractor and when he called back, they said they did not need to speak to him. I have had 2 conference calls lasting over an hour each only to be told by the last person at GMAC that I spoke to did not make any notes from the prior call. Avoid GMAC!

I have owned my home for 5 years and have never missed a payment or been late. My wife abandoned me and the children, hurting the income of the family. I expressed how I wanted to work with the mortgage company to keep the home. I am a disabled vet with a 30-year VA home loan. They told me I don't qualify for any of the government loan modification programs, being denied twice. My GMAC representative told me that I qualified for nothing and to use 2-3 months of future mortgage payments to pay down bills and then come back to ask for a repayment plan.

I told them that would not be enough to help me. I would accrue bad credit, because of the missed payments, and the repayment plan plus the mortgage would be more pressure. Then I went 2 months behind and tried to apply for a traditional loan modification. But they told me I was denied again. No one wanted to give me any help by reviewing my expenses to see where I could cut back if any. Seeing their expertise is money and numbers, is there a magic number that will help me to get the help I need?

I was unemployed for over 2 years and was working various part-time jobs and collecting unemployment. Unfortunately, in Colorado, if there are any changes in your job status (even a part-time or temporary job), your unemployment is placed on a minimum 15-week hold while they review it. I did manage to get a work at home, part-time job, that paid well at the beginning of 2011 and this is the time my problems really started. Somehow, GMAC got a hold of my blocked, unlisted home phone number and I started getting harassing phone calls from them. I was only one month behind at this point. I called GMAC to advise them to remove that number from their records. They didn't remove the number, they increased the amount of calls that I was getting per day and started returning the mortgage payments that I was making.

I was getting approximately 30 calls per day from 5 different 800 numbers that would show up on my caller ID. I lost the part-time job that I had due to these phone calls and now, I owe unemployment for over $5,000. The calls kept persisting and it finally took a friend to get on the phone and tell them that I didn't live there for them to stop. I finally did get a full-time job in May. Again, working from home but with a different set up. GMAC put my townhouse into an expedited foreclosure, where it was foreclosed on in 6 days from when the notice was placed on my door. When they heard from my attorney, the story seemed to change and all of a sudden, I got a loan modification paperwork with a trial workout plan in the mail.

I did complete the program and the foreclosure date was switched to 10/26/2011. I have been told that they are still working on the loan modification and that sale date has been moved to November. I can't get a hold of anyone in the states, I keep getting India and keep getting a different date. I contacted Castle **, who is their attorney and they are still showing the date of 10/26/2011. I had requested copies of all the incoming calls to my phone number for a 6-month period, specifically to show an attorney how many times they would call and hang up. Finally, I got the records and there were no calls listed on the log whatsoever.

Now, I am really curious. I have been dealing with them on my cellphone lately. The call comes in and shows the 800 number, however, when you go to the call log, it lists as unknown. I am definitely not thinking this is legal. I would like to know if anyone has had similar problems, like the way I complied with all the loan modification requirements including sending the payments early and I will still lose my house. I have been told by GMAC several times recently that they wanted me to keep my house, that was why on Thursday, October 20th, 2011 at 3:10PM, I found two GMAC agents in my house appraising it. They watched me go out my back door to walk my dogs and let themselves in.

I applied for a mortgage loan with GMAC and I stated the source of my down-payment upfront, which was $10,000 from my credit card as a check advancement. I gave Mr. Bermunes all the required documents ahead of time (bank statements, pay stubs, tax returns and W-2's among other documents. I asked him to double check with his underwriter if it would be okay, then he replied by email stating that his underwriter said it was okay.

There were mistakes and if it was an error, they could have told me within the first 10 days. Unfortunately, 7 days before the closing date, I could not get a hold of the loan officer. After making several calls to the loan department and complaint department, I was able to contact Mark Chester **, manager for the California branches. He assigned his sales manager (Terry) to my loan. Two days before closing and my $1,300 deposit in play, I was told by Terry that my loan was denied because I intended to use my credit card check advancement for down-payment.

They had plenty of time to double check everything and I provided everything very early. It's an insult to have my loan denied this way and lose my deposit because of their lack of research. Overall, their work was very slow. It took him 10 days, after we provided the contract, to send me the loan disclaimers (I always had them within 3 days), and 25 days to give me the appraisal. And 35 days to tell me I could not use those funds.

I have been requesting GMAC to change the due date of my monthly payment from every first of the month to 20th of the month because I retired and I am receiving my SSS benefits every 3rd Wed. of the month. They said they cannot do it or change the due date. Also I always tell them that I did not sign up for any escrow and they continuously have been messing it up for past 3 yrs and now they are trying to put an escrow again because I am contacting the taxing authority directly. It is so difficult to deal with them.

Due to this I am paying a late fee all the time of $30.69 and probably I will be able to straighten this by Dec. only. It also creates too much tension and makes me very sick because they will immediately charge you for collection fee, attorney's fee, etc.

They want my house. They will not help me. I missed two payments and it's foreclosure time. No bailout for you! I paid 6 years on this loan and all they care about is my payment! I pleaded for loan modification, refinancing, help, and they are ready to screw me! We are both working and need a little help. Why is GMAC doing this? They respond by saying, "Oh you're a Texas equity-secured instrument. There's nothing for you!" And then, they ask for a freaking payment! And they got billions in bailout/TARP!

I have been trying to get a loan modification from GMAC on an investment property. When I began, the property was current. GMAC informed me that to get a loan mod on an investment property, I needed to be 60 days behind. I waited for what I thought was 60 days and submitted my package a second time. I was told it was denied because it was 57 days past due and I had to resubmit. I waited a few days and resent the modification package. It was again denied. Knowing that my property would go into foreclosure if it was 90 days past due, I continued to make payments. However, GMAC denied my payments for the next 2 months then sent my property to foreclosure. At the same time, they were calling me and telling me to submit another loan mod package. I submitted the loan mod package for the 3rd time and was told they never received it (I have the fax records to show it was received) and that the only recourse I had at this point was to reinstate the loan.

Since I want to keep this property, I called to get the reinstatement costs. They added $1,900 for advertising, $162 for postage plus numerous other charges bringing what should have been a $3,200 arrears up to almost $9,000. The property has equity and is a great rental property. GMAC forced it into foreclosure for no reason. I want to keep this property but don't have the $9,000 they want to reinstate the loan.

GMAC held the 2nd mortgage on my house. I was forced to short sell & for that, GMAC was quick to respond & approve their part. The problem comes when I went to make my payment in May online, just like I have done for the last 5 years, only to find there was no way to pay it. It was too late to call that day so I had to wait until the next day. The customer service person had no idea why the account was suspended and told me that it must be because I was behind (I wasn't) . I was then told that my only option was to go to Western Union to pay. She had no idea there was a short sale approval on the account.

After 40 minutes I finally got her to take a payment over the phone without charging me. Then she transferred me to the department handling short sales. The person there told me the account was suspended because they didn't want me to pay. He said, "every time you make a payment, we have to change our paperwork". I told him I had just payed May & he said, "then you're done". I even offered to continue paying to reduce the 1099 I will be getting come tax time. He said no. I got a statement at the end of June showing I owed them a payment. I called. Was told the same thing again by someone named Jared in that same department, only he added "well we're not going to force you to pay. you're short selling your house". I had an FHA loan to get another more affordable home. Thanks to GMAC & Saxon Mortgage- both of which reported me for not paying after telling me not to pay. I lost the loan. I have lost the ability to rent a home as well. GMAC customer service had no idea I was approved for short sale, yet they never called or sent a demand for payment until the day I was moving out.

The GMAC continues to send me false dates to send my payments, with no post dates to verify.

I received a letter from GMAC Mortgage that my property is in a flood zone. This was based on the information they received from FEMA. I called GMAC Mortgage on 9/9/11. Conrad said that I would have to get a LOMA application from FEMA in order to take my property off of the flood zone. I then called FEMA to ask about the determination. They said from time to time that FEMA re-evaluates areas and makes determinations. They send it on to the mortgage companies but it is up to the mortgage company if they want to pursue it.

I now have a LOMA application. The only way I can get out of being in a flood zone is to have a "licensed land surveyor or registered professional engineer (authorized by law to certify the information requested)". How can this be? I have never had water in my basement or a claim for water damage at any time on my insurance. And I have owned the home since 1989. When I called my insurance company, they were questioning this and believed that there was no need for it. The letter states that I have 45 days to either prove that I have purchased flood insurance or they will add it to my mortgage. The people at GMAC Mortgage are unable to help. I asked to have a supervisor call me. They have not. FEMA is not helpful either.

My friend, Janelle, works from a government office, in Lansing, MI. She wanted to help me, in getting my mortgage payments lowered, so we called them. They were rude and said that they could not help us, that they had to follow certain guidelines, and even told me to get a second job.

We are having a difficult time with paying, right now, and we don't want to get rid of our house that we have been paying, for ten years. My husband's work was closed up in 2007 and had a heart attack. We had no insurance, so they are garnishing my wages for that. Two years ago, we also found out that he has lymphoma and had undergone 3 surgeries, in the past 2 years. These are the reasons why we got behind. Janelle and I agreed that they were very rude and apathetic, especially when they told me to get a second job.

For 3 years, I have been having problems with GMAC Mortgage Company. I requested loan modification due to family financial problems and health issues. I had to pay a company $1800.00 for assistance. For 5 months, I paid my mortgage every month on time. The 6th month, I found out from notice in newspaper that my home was in foreclosure and going up for sheriff sale. When I contacted GMAC, they told me my money was in a Money Gram account. There was almost $4000.00 sitting in the account. I again had to hire a company for $2400.00 to save my house.

Now again, I am paying my mortgage every month on time. Now I received a phone call from GMAC telling me I owe almost $1000.00 for the past 3 years. When I asked why, I was told I had home inspections done every year for the past 3 years. I was told someone came out and took pictures of my house. No one has ever come to my door and requested to do home inspection. No representative from GMAC Mortgage Company has ever been inside my house. If they need a picture, I can send one for free. Why am I paying over $300.00 a year for someone to come and take a picture of my home? I have requested a bill/statement itemized for cost. I was told the picture cost $11.00 to take and I assume the other money pays the person to take the picture. GMAC can hire me to take pictures for that price. I take very good pictures. I did it for 14 years and was not paid so well.

Our insurance is with The Hartford; that company raised our premium from $770 to $889 per year. After contacting them, I agreed to increase my deductible which resulted in a new premium of $768 per year. I then made a courtesy call to GMAC to inform them so as to try and head off a payment increase. It did no good, and our payment increased by nearly $25 per month.

I made 4 phone calls to GMAC. On the final call, I was transferred back and forth between the insurance department and the escrow department at least 3 times. One customer service representative set up a 3-way conference call but immediately disconnected himself after the person in customer service began speaking. I asked for a supervisor and asked that she simply look at the facts showing that GMAC had received notification of the insurance decrease and that a manual escrow analysis was warranted. She set up another 3-way conference call promising to stay with me, but she promptly transferred me instead. The last customer service representative agreed to implement a manual escrow analysis and assured me that the payment would revert to the original payment of $1,218.28. This last phone call took nearly 40 minutes.

I just received a letter stating that my mortgage payment has been adjusted per my request. It then listed another new payment amount. This new payment is still higher than it was. There is no reason to add to the escrow when my insurance premium is lower than the previous year's premium. GMAC has already increased the escrow in anticipation of increased property taxes even though ours are projected to decrease substantially (I called about that too and was told no manual escrow analysis could be done).

I entered into a loan modification program with GMAC around June 2009. I followed every step they asked of me. After over a year, I still did not have a permanent modification. They sent me another letter around December, which gave me the option to begin another temporary modification or short-sale. I decided on the short-sale option, to get out of the home.

The home was listed as per GMAC by December 30, 2010. We had an offer within two weeks. I submitted to GMAC as per agreement, but no one ever responded to confirm receipt of the offer. My agent called, faxed and emailed, but no one ever called back. Needless to say after many weeks of no communication or whatsoever, the buyer finally withdrew their offer. As we continued to work with GMAC, communication has been difficult. My agent has been in contact with them via email; they simply said, "Get us an offer and then we will respond."

Well, a second offer was submitted in February 2011, but again, GMAC still has not responded. So, like before, the buyer withdrew the offer due to lack of response from GMAC. I have since moved out of the house (as the second offer was ready to move in). GMAC has foreclosed the house and changed the locks. Still, they have no direct communication with me or the agent. My agent said she got a notice that the agreement to short-sale has been denied.

In Jan. 2011, I started my loan modification with GMAC and submitted all the documents for the loan modification. However, they always lost all paper work that I submitted. But I continued to submit the documents all over again and still they requested the same information all over again and again. I got so behind my loan payments until I requested for a short sale of my home. GMAC accepted the request and the house was listed with Century 21 Astro in Cerrotis, CA.

Each time a buyer submitted an offer to purchase the house, Gmac turned it down. The house was upside down. GMAC BPO came with the higher amount than what was owed on the house. I then went into foreclosure. I explain that offers were being made to buy the house and if they would please consider the postponement of auction date to sell my house. However GMAC refused and even before it went to auction, two all cash offers were made to GMAC which would cover what was owed on the house. And they still refused and my home went to auction and it went back to GMAC. I and my real estate agent, called and spoke to a representative and was told that they would not accept the offer unless it was BPO.

What I do not understand is the fact that GMAC would foreclose and auction the house which went back to them without trying to get something out of it. The short sale which they agreed but refused to even consider any of the offers that were made. They would rather forclose on me than take something for my house. And the thing about it, the offers were maybe 10 to 20k less than what I owe. I know that at this point in time it maybe too late for me, but I surely hope that the Governor and the Office of the Attorney General would truly investigate the unfair and brutal tactics used by this company to take people's houses, and remove the poor and racial profiling of many people. There has to be some kind of justice for the people. Please someone email me back for comments and advice if there are class action suits being filed against GMAC Mortgage. Thank you.

My HELOC was sold in 2005 to GMAC Mortgage Company. In June of 2011, I missed a mortgage payment of approximately $320.00, which was the only payment I ever missed with this company since January 2005. I received a phone call at work one day (coincidentally, after the 15-day grace period was up), informing me of this missed payment. When I asked why I did not receive a phone call at home or on my cell phone, an e-mail, or a written letter (all of which they had on file and verified in this conversation), I was told that several attempts were made.

Within one hour, I paid the missed payment plus the upcoming due payment. I called back and verified if it was received and I was advised that it was. I also asked if the late fee could be waived since I never missed a payment; I was told that they would. I asked if there would be any other repercussions in regard to this incident and I was told none. My credit would not be affected. I was satisfied.

Shortly after the incident, I received a letter stating that my remaining line of credit was suspended. I called back to discuss this matter. I asked how can one missed payment (which was corrected immediately) be cause for a freeze. I was told that, "Due to the economic situation our country faces, we have to exercise all caution." All caution? Then, why did I not receive a letter, e-mail, or phone call, except for the one at work "after" the grace period?

Firstly, without our consent, GMAC purchased an additional $85k in flood ins although we already had more than enough to cover our mortgage. We are now paying more for flood ins than hazard ins. Next, when they purchased the additional coverage they charged us the wrong amount which hiked up our mortgage payment for the wrong amount and no one on the phone can fix and they say it's not their department.

Our mortgage payment has gone up $250.00 a month. This has caused a gigantic financial strain on our family.

GMAC Mortgage owns a property behind mine and it has not been maintained causing their dead tree to fall and damage my property and an adjacent neighbor's property. We have not been able to use our backyard this summer due to the threatening nature of the tree.

I have called, emailed and sent letters for them to come and remove the tree only to be hung up on; calls are not returned and I am given wrong numbers. The City of Beacon has also contacted GMAC several times but with no response.

During the months of February 2010 through May 2010, I made my mortgage payment to GMAC, as I have for more than 18 years.

In February, I received my statement informing me that I was in default as of February 1st, 2010. The January payment I had made, with proof of GMAC cashing my check, was not applied towards my mortgage. I received a bill stating that I owed more than $4,700.00 for my mortgage payment. I mailed a check for the amount due and verified over the phone the amount before I mailed my payment. I included a letter stating that I saw the error made on the account and asked them to apply the excess payment made to the following month's mortgage payment.

Twenty days later or so, I received my payment back in the mail. I called to ask what was happening and GMAC informed me over the phone that something must have been overlooked and that the issue will be corrected via the following payment. I received my March statement requesting more than $7,400.00 due this time around. I called and spoke again with two different GMAC representatives and verified the amount due. I included a second letter to GMAC stating the same facts as the first letter, however, I was a bit more irritated but I still requested that the payment be applied towards the mortgage due and to remove the late and missed payment fees and charges. I called after a few days to verify that my check, which was on hold for a while, was received. I finally got through and the representative stated that they received my payment. Within the next few weeks, to my surprise, my payment was returned. I was furious.

The day I received my third bill, I immediately called GMAC to verify the amount and wrote my third consecutive check, this time for more than $10,500.00 and mailed it the same day after double verifying the amount due and including a third letter to GMAC, stating my concern about the payments not being properly applied to my mortgage due, and that I am expecting a phone call regarding the payment application to the mortgage.

I could not get through to anyone when I called. Once my information was verified on the phone, an endless hold transpired or a phone hang up. I also sent a letter to the consumer department of GMAC stating my concerns and explaining the previous and current concerns regarding my mortgage. As expected, no reply was ever received.

Then in May, I received a foreclosure notice with a sale pending. I had no choice but to file a lawsuit against GMAC mortgage, the attorneys that wrote the foreclosure notice, and Long Realty, who left a letter on the property stating that they looked in the mailbox and saw a vacant notice. Unfortunately, the attorney was dismissed from the lawsuit for some attorney client privilege and Long Realty's charges would have been criminal, not civil, so they were dismissed from the suit as well.

I am currently in the lawsuit acting In Pro Per (representing myself) and fortunately, through extensive research, I was able to keep the lawsuit from being dismissed. I am now in the stages of discovery. I am hoping that I can have some inquiries or be offered help, as the discovery process is expected to end sometime in February, 2012. If anyone can offer some legal advice over the issue or is interested in helping in the case, your suggestions would be most appreciated. Any gifts or donations to my case to allow me to expand my research is also appreciated.

My complaint against GMAC has all applicable revised Arizona statues as well as federal statutes that GMAC is in direct violation of. Of course at this time, they are strictly allegations until proven in a court of law. The complaint claims wrongful foreclosure, unfair reporting to the consumer reporting agency, and violating the federal regulations put in place requiring a mortgage banker to properly place funds made by a consumer to the appropriate account; basically apply my mortgage payment where it is due.

My house was foreclosed and GMAC bought my house on the courthouse auction. GMAC is claiming my lawsuit complaint does not meet the requirements to have a lawsuit and denies most of the allegations made. I am currently out of house and home. Who in their right mind pays a mortgage for more than 18 years and then just up and stops paying, especially when I had at the time more than enough funds in my account to pay my mortgage, which I did pay, but GMAC returned my payments to me. Someone has to put a stop to GMAC and that is my ultimate goal!

GMAC foreclosed on my home on May 2010. In 2005, I leased the property to a tenant who destroyed the home. I spent all my money trying to get the house repaired and in condition to sell. I sent GMAC two payments but they were returned. I asked GMAC if we could try to revise the loan and they denied the request. I tried to sell the house via short sale, but no luck. Subsequently, I knew the house was going to be foreclosed on.

On September 2010, I signed a Waiver of Right of Redemption allowing GMAC to sell the home without having to wait the required six months. In that letter, it stated that the sheriff's auction was held in May 2010. Fourteen months later, July 2011, I received a letter from GMAC stating that I had no hazard insurance on the property and if I didn't get any, they would get the policy for me. When I called them to tell them I didn't own the home anymore, they stated that the foreclosure had been rescinded on July 14, 2011 and that I was again the owner of the home. I went online and looked at my escrow account which is now in arrears because GMAC apparently continues to use the account to pay the taxes etc.

I have yet to speak with someone who can explain to me why the foreclosure was rescinded and how am I supposed to continue with payments that I couldn't afford then and certainly can't afford now. They said that I can either come current with the payments or have the house foreclosed on, a deed in lieu of foreclosure is unacceptable to them. How can a foreclosure be rescinded without notification being given to the person who owned the house? I had to find out that I was once again the owner in response to a letter regarding an entirely different matter.

I lost $65,000 in equity in the house. I paid in excess of $6,000 in repairs to make the house marketable. I owe $65,000 on the house and the market value, even after the extensive repairs and the damage incurred as a result of sitting empty for more than two years, is estimated at $35,000. The emotional toll of this is devastating. I'm getting daily calls from GMAC regarding the insurance issue and then I get transferred to multiple different departments, all of whom tell me that they can't help me and that they need to transfer me.

GMAC/MERS are up to something very suspicious, if not illegal. Now, I'm having to incur legal fees to fight this. How odd is that, to have to pay legal fees to have GMAC re-foreclose on my house? Help!

I had issues with GMAC from the beginning, starting back in 2005. Approximately 1 year after my mortgage contract was sold to GMAC, following a botched deal with EQUIS financial, Scott ** was the representative's name. I had received a roughly $8,000.00 check minus the final mortgage payment, when he never discussed the fact that he would take the final payment from the money I had requested to be part of the original refinance and "Cash out"; which was the original reason for the refinance in the first place, due to medical and other obligations. Funny how that happened huh?

Secondly, more recently, besides the fact that it is nearly impossible to "contact" GMAC and get a result. The fact is that most of the representatives I spoke with over the phone either do not speak English very well or are there simply to "check the block" and say they "assisted" the client; that's it. Our society is based on Capitalism. This fact enhances and re-enforces actors in support of their "comfort" in the fact that there are no repercussions for their actions.

I am in the military, currently deployed to Iraq. I have had the home for about 7 years and I have been late on my payments twice. Each time, I was never phoned by a helpful "rep" to see what the issue was. There was only a letter in the mail, stating that I would need to pay a large late fee approximately $150.00. Nice huh! It must be really nice for companies, such as GMAC, who have received money from the Government for bailout, to have the "comfort zone" to disregard its clients.

Thirdly, I was deployed prior to this to Korea for 3 years. During that time, I initiated a separation/divorce with my spouse. Unfortunately, when you are overseas, and managing a key mission in support of our nations interest, mission will never take second. So with all these, I still managed to pay my mortgage on time. I was down to eating off my credit card. The fact is, life is hard and I accept that I signed the mortgage contract. I am responsible and do may into the American tax system. I don't mooch off the government, and never will, short of becoming a paraplegic. God willing not.

The problem is, when I arrived to Task Force XX at FT Hood Texas to prepare to deploy, I figured it would be nice to have my interest rate reduced or at minimum, have my loan modified to a "Fixed Rate". That's all. I did not ask to pay less for my house payments, I did not expect the American taxpayer to pay for my burden and mistakes and have never "depended" on anyone.

I have hardship with the amount going out versus coming in. So I requested, through a letter from me and a letter from my Commander, to request that I be allowed to modify my loan to a fixed rate. What I got back was a letter quoting the "VA regulation" stating the I was not eligible. Never addressed the modification question.

So bottom line guys, after following up over the phone, I was finally able to secure a mailed request form through the mail. I have not completed it yet but I wonder, what will the time and effort of pulling together all the required information bring me to? Time I do not have over here, but am willing to sacrifice 20-hour days to accomplish from a deployed Contingency Operating base.

My husband and I fell behind on our mortgage back in 2007-2008. His income and my income had been reduced. We had fallen behind in two payments. During the following years we caught up and fell behind, but always made a payment every month for three years.

In June of 2011, I went to make another payment online and our account was locked out. I called GMAC mortgage to find out the problem. I was told that we had fallen three months behind and that the mortgage was in foreclosure review. They asked if I could make a payment of three months, and then two months. I advised them that I would call the following Friday with a double payment because it was fourth of July weekend and the banks were closed till Tuesday. He agreed that would be fine.

I called the following Friday and was told no payments would be received unless it was the full amount because my house went into foreclosure that morning. There was nothing they could do.

We then received a package for loss mitigation, with a location in NH that we could go and speak to a loan officer from GMAC. My husband and I drove up to NH, he lost a day's pay to be told by the loan officer that it would not be a problem with the loan modification and that we had the income and were making payments for the past three years. Wrong!

We received notification last week that due to our financial statement, we were denied for HAMP and the loan modification because we were able to make our mortgage payments. We made too much money.

I called GMAC, again speaking with someone who did not speak clear English, and was told that we were approved for a repayment plan of the mortgage for six months at $3,684 per month. There was no more negotiation. We needed to pay this amount for the next six months or we would lose our home.

We never once said we couldn't make the payments, we had made them every month for three years. The problem with the $3,684 payment is, under the financial statement that was filed with GMAC, our payback amount is $545 over what we bring in for income a month. How is that supposed to work, going into heating season in New England? Not put food on the table for my children?

I was assured that I was going to get assistance. Now here is someone who can afford their home and we are going to lose it in foreclosure! Makes no sense at all!

GMAC is holding the remaining balance of our insurance claim money for Tornado damage to our property and as, such we can not make the necessary repairs to our residence.

We have sent a written request on 22 July 2011, which was received on 7/25/2011 but not posted until 7/28/2011. When we did not get a response, I called the above phone number. I spoke to the GMAC representative and asked why I did not get any response. I was told the the normal policy was to release funds in increments. I was first told 50%, but when I stated that GMAC had already released more than 50%, I was the told it was 33%.

I asked to speak to the supervisor. I got another different story and finally was told she would submit my file to a group that makes the decision. I was also told I would hear in 72 hours. I never got any response.

I called again on 8/3/2011 and stated the process again, and still received no answer to my question as to how I get money to start repairs as all the money released to date was used to remove debris and make the area safe. After asking to speak to supervisors three times, or speak to someone who could make a decision on the release of additional funds, the last supervisor, Blanca **, stated she would have to forward to the committee and again I was told it would take 72 hours.

My wife has called to request an inspection, as the computer system stated it was needed, and to date we have not received any contact. We are very frustrated as we need money to be able to hire help to make repairs. The property is valued at much more the the loan value so that could not be the reason for GMAC's lack of response. As I stated in my request letter, I am willing to have GMAC have someone here at the residence daily if that is what is required. But to date, nobody has told us what to do to get the money released.

I am enrolled in automatic payment of my mortgage. Now I am re-thinking that decision. I knew I would not have the money in my bank account on the 1st of the month. I went into the automatic pay option on their website to change it to the 3rd. Well, they took out the money on the 1st and on the 3rd!

I called them and told them what happened, and the representative said it would take 5 business days to go through as a return payment. Meanwhile, I have overdraft fees so I told the representative that I needed the money within 24 hours. He told me it would be there within 24 hours. Well, 24 hours has passed, and I still don't have the money! I called again and told them I was supposed to be refunded the over payment within 24 hours. The lady said they have to send a check in the mail and it would take a few days! I told her I need the money faster than a few days! I told her to send it through express mail or overnight it, I will see what happens with that. My question is, why could they take the money out of my bank account and not put it back in? If I could change mortgage companies, I would have done that a long time ago! Their customer service reps just tell lies and send you through a process that's unnecessary.

I was a fulltime nursing student and a mother of three who had just gone through a divorce. I began to get behind on payments late last year. The lender would not take partial payments either. I paid them over $900 in January 2011. I explained to them that I would be getting my income tax returns in the middle of February and that I could pay the other $1,200 that I owed.

I also had just finished college and was hired at my current place of employment as a registered nurse. I explained to them that my income would double and that I would be able to make the payments. They filed foreclosure papers less than 2 weeks later. From that point on, GMAC would no longer speak with me or make any arrangements. I had to speak with their lawyers Lerner, Sampson, and Rothfus. The lawyers' office wanted me to pay over $5,000 to settle my foreclosure. Within weeks, the amount rose to over $7,000.

I began to speak with an employee by the name of Amanda. In May, they had me faxed forms for a modification loan. Weeks went by once again, trying to keep in touch with getting all the right papers signed. I was told it would take 6 weeks to get a determination. I waited nearly 3 months. I called in July and did not get a return call until August to only be told, once again, that the modification was still pending.

A couple of days had passed and my local paper had my home up for sheriff auction. The lawyers' office once again told me to do nothing and that modification was still being determined. Finally, I spoke with someone by the name of Warren at GMAC (the first person that would speak to me and not refer me to the lawyers). After some investigation, he told me that the lawyers never filed a modification loan this whole time and that I only had 20 days before they would sell my house.

I fell behind on my mortgage with GMAC. I submitted an application for a loan modification to GMAC and I was talking to them during this process. I was told that they would work with me to find a solution and that if the modification was not approved, there were other options we could explore. The loan modification was denied on July 14th and on July 21st, they put the house in foreclosure. I was not given an opportunity before that final decision to see if I could be placed on a repayment plan or come up with the money. All along they said they would work with me, so I felt I was safe from losing my home. I had the July payment, but they would not accept it. They wanted all the arrears at once and told me to hold on to that money until the modification process was complete. Once they denied the loan modification, I left two messages before I was able to talk to the loan advisor from GMAC. She said it was too late, there was nothing I could do now and that the house would be foreclosed on.

If at any point they had been up front and honest, I would have sold everything I had to come up with that money. Now, they will not talk at all, other than tell me what to expect with the foreclosure process.

I fell behind in August 2010 on mortgage payments. I contacted Hope and GMAC. GMAC lied and gave me a runaround for 8 months. I pulled out of foreclosure after begging family members to help me. I was promised help would continue from GMAC if I pulled out of foreclosure and became current.

When I pulled out of foreclosure, I was referred to the foreclosure company to get the total amount owed. Once payment was received by them, I heard nothing and was ignored after I contacted them several times.

My contact with them in March 11, 2011 was a HAMP decline, but was in review for another workout. I paid up on March 25, 2011. Once they got their money they ignored me to no end. They have no intentions on trying to help me or anyone else. On July's statement I noticed $706.38 labeled as "other" due. When I called them they couldn't answer me what this was. They had to research it. Turned out it is more money I supposedly owe them from the foreclosure. I was told I had to pay everything prior to pulling it out of foreclosure.

Why are these fee's/costs showing up several months later? By the way, I did not buy when homes went through the roof. I re-filed in June 2005, and increased the loan due to needing a roof and other improvements.

My story began in June of 2009 when my marriage ended. I was a single mom of three facing a 50 percent hit to the monthly household income, and a divorce that left me with all of the debt.

I contacted CCC to help me reduce the revolving debt, and contacted GMAC to notify them that I would not be able to keep up with my mortgage payments. They sent me a package of paperwork to start the modification process.

After sending them a complete package with their required documents and all supporting income and asset documentation (86 pages in total), they spent the next several months telling me I was missing paperwork. I continued to send them additional paperwork along with the completed copies that were sent in the original package, documenting receipt of everything with signatures.

This rigorous process continued for eight months, until receiving paperwork for trial payments that were $150 less than my original payment. During the course of that eight month period, I attempted to liquidate my entire retirement to continue with my payments.

It turned out I was only allowed to borrow less than 50%, as the company prohibited a complete withdrawal of funds. After receiving the trial paperwork, I immediately called them to speak with someone who would discuss the terms. I asked many times if anyone even looked at the information I sent them; explaining that a reduction of such a small amount was not satisfactory.

If I had the means to make that payment, I would have the means to make my original payment. You see, I work in the homebuilding industry; I handle purchases from contract to close. So, I am very familiar with the lending industry.

They told me that if I wasn't happy with the terms, I could submit another package. So, I put together another package (90 or more pages this time) together and sent it to them. Again, the wait began.

After many follow up phone calls, which I was asked to supply the same paperwork over and over again, I actually spoke with someone who told me they were having problems with paperwork being lost. Alas, a voice of reason in an institution that was clearly dysfunctional.

Again, months later, I received paperwork for trial payments that were slightly above the last trial. By this time, my attempts to do the right thing, and struggle to keep up with my financial obligations of my home, divorce debt and children's expenses had financially wiped me out. Depleting my retirement, savings, and every other means of asset I had. Facing the very real possibility of living on the street and surrendering custody of my children, I contacted an attorney who encouraged me to file for bankruptcy. This decision did not come lightly, but I could not lose my children. So, I reluctantly agreed.

In August of 2010, my conversations with GMAC continued to go nowhere, and I contacted HOPE. The gentleman I spoke with was as helpful as he could be. He explained to me the guidelines of the Making Home Affordable Program. The loan modifications submitted under this program are based on 31% of the gross income. No one lives on their gross income.

The two of us went over the numbers; he conducted a conference call between us and a representative at GMAC in their Loss Mitigation Department. Finally, all parties at the table having a productive discussion.

The person at GMAC stated that I would have to submit another package for modification, and this time they would work the package based on my net income which may prove to be a better solution. Once again, I submitted my third modification package in all its glory to GMAC.

In November, I received another trial payment package. This time the payment was $700 dollars lower. I actually cried tears of joy that all of my efforts worth the wait. I made my three trial payments, and requested permanent modification.

In February, I received a denial for the permanent modification. I called again and spoke with a gentleman who was out of state; unfamiliar with California laws, and rude to boot. He told me I could not be considered for permanent modification due to my bankruptcy. After a good portion of time on the phone with this man, who told me in no uncertain terms they had no intention of modifying my loan, I asked for his supervisor and was conveniently hung up on.

The next day, I called again and spoke with another gentleman who said it wasn't my bankruptcy at all; it was my income and asset information. He asked me if my financial situation had changed at all in the past six months it would be to my benefit to submit another package.

Out of sheer frustration, I submitted a fourth package and played the waiting game again. The fourth trial payment came in at a much higher amount, and I could not believe my eyes. The next day, I contacted GMAC and to my disappointment somehow ended up speaking with the same rude man I had spoken to a few months prior. This time he told me if I didn't make my payment within three days they, would begin foreclosure proceeding; I would have 30 days to pack up 11 years and three kids, and find another place to live.

At that point, I couldn't go through any more of this roller coaster, and decided to put my home up for short sale. My home has been on the market now for almost 70 days without so much as a nibble, and the price continues to drop. As with many people here in California, I find myself in a situation where I cannot keep my home and the rent (because a similar home is $300 to $600 more than my original mortgage payment).

It disgusts me to no avail to know that GMAC encourages their staff to keep people making trial payments, with no real intention of allowing homeowners to save their home. It is also a travesty to know that it is financially beneficial for lenders to foreclose than to modify. Either way they will be taking a loss, but when they foreclose, they are able to recover their loss because the loan is removed from their books.

Where is the incentive in a BROKEN system for a lender to modify?

I have tried over and over to re-modify my existing loan, and I was denied and told to fill out same forms once again for approval. After several attempts, I finally got my loan re-modification application approved back in March 2011, and I paid the three good-faith payments. I got my approval letter beginning of July 2011, and now I am told that they need a quit claim deed or my loan will FOLD! I have been dealing with this for almost 2 years now!

I was also told my mortgage would be $100 less per month when I was approved. Now I get a letter stating new payments with the much higher rate. I just don't get it. I am so frustrated right now, and I am looking for the president's contact information along with getting an attorney involved. Every time I call GMAC's loss mitigation department, I get a different answer or different instructions. Nobody there seems to know what is going on. This is just awful practice, and the president needs to know about this!

due to a great reduction in my income, i was unable to make my mortgage payment. first, i went to HOPE, they were no help, told me i did not qualify. requested a modification from GMAC and of course i didn't qualify for the Obama plan, because that would mean getting 2% and dropping my mortgage down to the value of the home, which is now about $154,000.00 when i bought it for 240,000.00. so, i received one of their modifications dropping from 5.25% to 4.25% a whole $122.00 dollars, then due to a escrow shortage, went down to a whopping 92.00 i can save.

I have tried for 1 and 1/2 years to get a loan modification I sent in all of the neccessary paperwork GMAC would let me know when I called oh we did not get that so I would refax that information I documented who and the times I spent and talked to I was deathly sick my daughter was a victim of an attack I kept getting denied modifications. I worked with a hud counselor and she never heard and I never heard unless I called and each time I would get told something different it is like they waited for "a fha guideline or something" then I was denied a hud modification I wanted to keep my home willing to work with you I am very disappointed that you all would rather my home sit empty than work with me and get some type of money than none when our economy is terrible. I will spread the word about this!!!! Very , Very Disappointed with your company been in my home for over 6 years.

I detailed below a part of the fraud:

I received your letter and read it carefully. I disagree with your analysis. Your have not looked at the details. Please review the following points. GMAC never stopped accumulating interest and penalties on each monthly billing cycle. So, the principal amount when not paid kept increasing. As per your letter dated 07/01/2011, I make the following observations. An addition of $4,672.15 was added to principal in a single monthly billing cycle. The amount is composed of interest for $1,689.62 and $2,982.89 escrow advances. All are based on GMAC Mortgage inputs you received. Your letter denotes the $1,689.62 was for four (4) months of interest. However, GMAC Mortgage has always charged interest and penalties in each monthly billing cycle. Why add an additional four (4) months in an additional billing cycle? Never is a given monthly cycle interest and/or penalties not accumulated. Why do double dipping with interest charge?

What is the justification of the escrow advance of $2,982.89? The three (3) months trial period for of the Loan Modification covered Nov-2010, Dec-2010, and Jan-2011. As per your letter, you got copies of those documents. This specifies a monthly escrow amount to be accumulated of $235.39. Therefore, at the end of this period, the escrow was $706.17. As per 2010, the property taxes paid was $1,569.08; and the homeowner insurance was $943.00. This gives a total of $2,512.08. A standard calculation of escrow should not exceed more than four months of reserve. We took the total amount of $2,512.08 and divided it by 12. This gives a figure of $209.34. We now add four (4) months of reserve and that is $837.36. Now we add the $837.36 + $2,512.08 and this gives a total of $3,349.44.

Sometimes, lenders calculate only three (3) months of reserve. We have the accumulated $706.17 and the $2,982.89 in the escrow balance. This gives a total of $3,689.06. I have not taken into consideration when GMAC Mortgage is making the payments on property taxes and/or homeowner insurance. Most likely the escrow exceeds the four (4) months of reserve. Why an excessive escrow amount? Why an escrow monthly billing to that exceeds the $209.34? At a minimum the escrow account is inflated by at least $339.62 and probably more?

There are questionable loan modifications calculations and inflated principal. There are en-mails, recorded phone conversations, and letters that specify a monthly loan modification payment of $694.00, $695.00, $671.00, $1,109.56, and $651.00. This is all for the same loan modification. As per your letter, GMAC Mortgage informed you that the monthly payment was $1,109.56 during the trial period. This is to justify an amount I questioned of $7,045.76. There are bank records and written evidence from the lender during the trial period was for $695.00. Your letter reflects that before the trial period payments were for $1,109.56. There is clear evidence that this is false.

The loan was fixed at %7 and the monthly payment was fixed at $506.00. It did not include taxes and insurance. Therefore, no changes in the payment amount are applicable. What is GMAC Mortgage hiding? How much is GMAC Mortgage inflating the principle? Are they total dingbats? Sera moron? The loan modification, that supposedly was approved, was fixed at 5%. Therefore, the only applicable adjustment can only be related to changes in property taxes and/or insurance. There have been no changes to that during that period. What is GMAC Mortgage's justification for so many changes?

As per GMAC written communication, there is a shortage of $943.00 in the escrow, and that is why the payment was changed from $651.00 to $671.00. How can there be a shortage at the start of a loan modification? Is that not one HAMP guideline? GMAC Mortgage, as per your letter among others, informed you the payment was for $1,109.56. That is false. GMAC Mortgage has provided Senator Bill **, Senator Marcos **, HAMP, I, and the government of the State of Florida false and/or misleading information. I have written evidence of all of the above. The Office of Financial Regulation's only justification to adjust a fixed interest mortgage loan is when it includes property taxes.

Among others, there had been the abuse of GMAC Mortgage while I was requesting a loan modification. This period exceeds a year. GMAC gave me the run-around -- 'you don't qualify'. This was done several times -- sometimes on the phone, on the initial call. The situation was that the loan was not upside down and it was not convenient for them, financially. It is a different story with an upside down loan. GMAC very frequently gave the response, 'We have not received such documents. Send them.' You would send the information over and over. It takes excessive time in the process. It was only until I got Senator Bill ** involved, communicated directly with the GMAC Resolution Department supervisor, advising them that I also record the conversations, and wrote to other government agencies, that they started the process.

You can't see it? I don't know how to put it in more simple terms. The only way to clear the matter is to do a full audit of this loan. This, starting from the origination of the loan until the loan modification.Yes, doing your job with this loan will signal GMAC Mortgage LLC they have committed fraud. However, I'm going to make an attempt to get an attorney that will take the case on a contingency basis. I don't know what else to do so that GMAC Mortgage LLC does not continue ripping me off. GMAC Mortgage has become a not-trusted and Calcaal Indigena organization for me.

If it goes to court and is given a somewhat fair trial then some will look like fools, some will look incompetent, and some will look corrupt; and there will be a victim. Perhaps, the courts will as well. There is a ton of documents regarding this issue. All that I request is to take an honest look at this matter. Yes, it requires examining a lot of paper work. I don't know how you can just close it as a BS letter from the lender. Please, call me should you need additional information and/or additional documentation. It takes a lot of time to prepare this document. I can only do a very limited time on the computer monitor due to medical issues. Please, don't ignore it. Respectfully yours, Eduardo ** Cc: Senator Bill **; Senator Marcos **

we are behind on mortgage and trying to make a payment and they refuse payments after 60 days. they do not have a good modification program to offer.they will not work with you on any level... when doing a modification mypayment went down only $25- $50 .. this is not my idea of helping. i do not want to lose my house

Unfortunately, I am writing about a very bad experience I had with GMAC refinancing department. Our loan process was started in March 2011. We were given a list of requirements, everything from taxes to insurance declaration pages. We were even asked for financial information concerning a family member who was not involved in the refinancing process. The application was for a relatively small amount, $30K. Somehow, it needed to be handled by three different loan processors; Jerry **, Joann **, and Christine **. All proved to be unprofessional and inexperienced.

Initially, of course, Jerry was our primary contact; he originated the loan application and made the original stipulations. Somewhere along the line, the application was handed off to different processors, who never managed to stay consistent with their requirements. We would fax or email financial information to Jerry and weeks later would come to find out the documents were either not routed to the appropriate person or just plain ignored. This happened on more than 3 occasions, at which point we decided it would be best to fax and email each requested document to each one of the 3 processors individually and hope one of them would get back to us.

Finally, in late May, we received an email from Jerry stating our loan had been approved, pending that we pay off 2 credit card balances and close the accounts. We complied, paying the balances that totaled nearly $16,000 and closed the accounts as per their request. Two days later, we receive another email stating that our loan had been denied due to a fall in FICO score.

I was in shock, as any knowledgeable loan processor knows, closing credit accounts can have a negative affect on your credit score, and yet this is what they requested of us. Now we are out $16,000 and we still have no loan. And the worst sting of it all is that we were informed of the application outcome in the most unprofessional manner imaginable. Jerry's email stated "unfortunately, your loan has been declined because of your credit score falling below 620 and we need you to be on the loan. I'll call you to discuss further". It has been two days and he has not returned our call.

Jumping through these type of hoops is outrageous and unheard of, not to mention, the ill advice of an irresponsible lender who required us to pay $16,000 out of pocket for a loan he could not even make happen, despite all of the documentation and stipulations we provided.

At this point, honestly, given the situation we were put through, I am having serious doubts as to whether he was even a licensed professional. I have begun to think that his intentions were for pure self gain and I am worried he will use all the information we have provided him for fraudulent activities. I would like a formal investigation conducted in regards to his practices in the handling of this application. Please contact me asap about this matter as I am a very upset and concerned consumer.

In November 2010 I received a loan modification contract from GMAC. I just needed to return the signed contract and my interest rate and monthly payment would be dropped from 12% to a MUCH lower % In January, when I followed up, they told me they never received the papers, and if I did not have proof via a tracking number there was nothing they could do for me. It took me until May to find the papers, but I did. When I called to say that I had proof GMAC received the signed documents on time and I wanted to received my reduced interest rate, I am now getting the run around and leaving multiple messages with no return phone calls.

This was their mistake, as the paperwork was delivered and signed for by a GMAC employee on time. GMAC told me tin February to apply for a loan modification, and we were denied. Surprise Surprise. They are telling me that since I applied after the fact, it negates the original offer, yet I never would have applied IF they had done it right in the first place.

I was given a three-month trial loan modification. Now mind you, this took 3 attempts to get this. The first payment was due in March. The amount of my mortgage was reduced to $1041.01. I was told that I was to call my payments in. Each time, this cost me an extra $12.50, which put the amount to $1053.51. I made March's payment, giving them my bank information. I made a payment on March 8, 2011. I was given a confirmation number that all information was completed. Now, I didn't think that I was supposed to call to see if my payment cleared. I'm thinking if I was given a confirmation number, that everything was okay. About a week later, I was doing some banking online, I noticed that my payment for March was not taken from my account. I called GMAC to see what was going on.

They proceeded to tell me that I had given them the wrong account number and the payment was returned. They said that they had done this 3 times. It was hard to believe that I gave them the wrong account number. I thought that maybe they entered the account number incorrectly, which I think happened. They cancelled out the transaction and I made the payment for March, or so I thought. (I had a strange feeling that this confusion was going to result in this trial modification not going through.) I made April and May's payment successfully. As June was approaching, I called GMAC to find out if the loan modification was approved. I was told that it was denied. I asked what the reason was and they said it was because March's payment was not received and 3 attempts were made. I know that I gave the correct bank information, but of course GMAC placed the blame on me. GMAC told me that my house was going to go into foreclosure. I am so afraid that I may be losing my home because of this craziness. I think it's a sin and shame that GMAC has railroaded so many people with this loan modification program. Something needs to be done and GMAC needs to fess up and be accountable for their mistakes.

Where do I start? We sold our home in Massachusetts back on May 15, 2011. The funds were wired to GMAC on 5/18/11 by the closing attorney. The amount on the payoff (that was good until May 31, 2011) was $180,700. Upon calling GMAC 2 days after to confirm that they received the funds and the loan was indeed paid in full, we were told that the payoff amount was actually only $178,700. So essentially $2,000 was overpaid. They assured us that after 15 days we would receive back a refund check after whatever fees they needed to take out. I should mention that the home was beginning foreclosing proceedings. The loan was assigned to a foreclosure attorney in Boston who actually did nothing on the account. Two days after he received the account from GMAC, we got an offer on the house that we accepted and nothing every came about from the foreclosure.

Nevertheless the Boston attorney charged $1850.00 in fees that was included on the payoff statement amount. Also because the home was vacant for a while GMAC decided to place hazard insurance on the property in the amount of $2,440.00 for a full year policy. The insurance took effect on 1/17/11 and the home sale was closed on 5/15/11 when I called GMAC Hazard Insurance Department on 5/30/11, I was told that $1,663.00 would be coming back to me that was not used from the escrow account they set up. So my husband and I are figuring that between the overpayment on the loan by $2,000 (less any fees they come up with) and the $1,633.00 overpaid on the insurance policy that we would be looking at around $2,000 or so.

Today, 6/3/11, I call GMAC to find out the amount of our check and the woman cheerfully tells me "ma'am you are receiving $220.00!" I almost dropped the phone I said "what? How do you figure $220.00? "She went about telling me all of the "assessed" fees and "paid" fees and she said they would be happy to send me a breakdown in the mail to show how we are only receiving back $220.00. She said the fees were assessed and paid through 6/2/11 I said "the house was SOLD and the funds wired on 5/18/11 paying off this loan in full. As well as even sending more than was due. She said that the supervisor would be happy to call me and explain things further but to expect the $220.00 check in the mail within 10 days.

So here we are fuming mad and pissed off and not understanding how this horrible blood sucking company could do this to us? How can they keep coming up with fees weeks after they received the wire and the account is paid in full? As it was we made under $5,000 profit from this home sale this type of business practice should not be allowed these companies are bleeding the American public dry. I will never purchase a home again or take out any type of loan. It is just not worth your health.

This is probably one of the many complaints about this mortgage company and the frustration with lack of cooperation. Long story short, I was given a loan modification in 9/2010, sent certified check via FedEx. The amount they requested was $912.00. Instructions read that payments would be reduced from original $877.00 to $658.00. The new "modification" payments to begin in Nov 2010. I received statement prior to November payment with a payment of $912.00 due on 11/01/10. I called GMAC to inquire why, they stated there were other charges still due (I assumed late fees and other charges since prior to receiving this great loan modification, my loan was in the process of foreclosure).

Here it is, 05/22/11, and not only has it remained at $912.00, it has increased to $944.00 because of the escrow account. I was drowning at $877.00. Now, I'm exactly where I was prior to the modification. My only conciliation is I'm not in foreclosure, yet! From all the stories I've read about dealings with GMAC, I don't hold out too much hope in resolving this.

I began a loan modification with GMAC in September 2009. I completed the paper work they required and I have sent it to them. They lost the paper work. I found out that after several calls, I re-sent the paperwork again in late October 2009. Unbelievable but, somehow they never received it. In November 2009, around the 18th of the month, they posted a foreclosure notice on the house and basically ran the tenants off by telling them that they would be evicted and their credit would be ruined. I explained to the tenants that I was working out a loan modification and there would not be an auction. The tenants said that the auction was scheduled for January 13, 2010 and they would be thrown out of the property, so they were moving. They moved out on or about January 5, 2010. I explained to them that they were in breach, they ran off, abandoned the property and would not return the keys.

During the month of December, I kept attempting to reach GMAC but never got through. Finally I contacted a GMAC Agent named Michael **** at GMAC Phone number ****, at that time, we finalized a loan modification that would work for me. The terms were 3.5% interest only for up to 5 years. GMAC required that I make a payment of $15,400.00 in order to get the modification. This was done on January 6, 2010, I explained to Mr. **** that I would need something in writing that outlined the terms of the modification and due to the time constraints, he agreed to fax me the written terms. I received the fax outlining, the interest was only at 3.5%. On January 11, 2010, I wired the required funds. $15,400.00 in two wires, one from the rental bank account and one from my personal account. Mr. **** asked me to fax the wire verification receipts and call him when done.

I called him and I was told to expect the modification documents via courier on or about January 17, 2010. I received the documents and was surprised to find out that the terms were not as we had agreed and I thought that they simply made an error on the documents. I called Mr. Michael **** to explain the discrepancy in the modification documents but could not reach him for several days. Finally, I got in contact with Mr. Michael ****. He said that there must be some mistake and asked me to fax the modification documents to him, which I did. We talked via telephone and he explained to me that there was a mistake and that he would take care of it but he had to talk to his superiors.

After a couple of days, Mr. **** called me and told me that they were not doing the interest only modifications for my type of loan and that I would have to take the principal and interest terms offered in the modifications documents. I was appalled. They knew from my work out forms I completed with them that they took almost all my cash in the bank and told me that I was not going to get any other terms. And of course, they knew I had no money for hiring an attorney. I told them that they are committing fraud but they ignored me, passed me around to several different offices: one in Iowa, then one in Southern California where I spoke to a Ricardo whom would not give a last name and was very rude and demeaning.

He basically harassed me. He told me on or about May 27 or 28, 2010, that I was not going to get any other modification terms and that if I did not take the loan modification they offered in the modification documents, they would move to foreclose again. I was frantically calling around trying to get an attorney that would take a look at the situation. But because I live in Hawaii and the property is in California, I was having a difficult time obtaining an attorney plus I did not have a lot of cash to work with. During this period, I also had to sell my personal residence in Hawaii due to business failure.

Because of the tenants' move out, I had no rental income for January through March. I had trouble with them. They wanted their deposit back and I refused to give them their deposit because they were in violation of the terms of the written lease agreement. I finally found a tenant that would move in but the house had been vandalized while being vacant and I had to lower the rent from $900.00 per month to $650.00. The new tenant agreed to fix some of the vandalism and haul off the trash left by the previous tenant. During April 2010, on or about the 7th or 8th, the new tenant moved in and began making repairs. They began paying rent in May 2010. I was still looking around trying to find an attorney that could attempt to rectify the situation with GMAC but did not have the cash available to do so.

On or about May 15, I got a call from my tenant saying that someone showed up at the house to change the locks. I told him that I did not send anyone to the house and that no one is to change the locks. The person that showed up said he was with the bank and that the bank thought the house was empty because they ran the first tenants off. On or about June 28, 2010, I got another call from my tenant and he said someone showed up at the house and said they had bought the house at auction and are the new owners. I said they can't be the new owners because I have not been notified of a new auction date and I asked him if any notice was posted on the house or anywhere on the property, he said that he did not ever see any notice and asked his wife about it whom said she never saw any notice either.

Basically GMAC committed fraud, lied to me in writing and took almost my last dollar and then stole my heritage as the property is the house my parents raised our whole family in. I grew up on the property and was raised in the house. It is the only thing I really had that had any meaning of the family as both my parents have passed a long ago in 1979 and my sister also in 1997 whom I wound up buying the house from her estate.

At the beginning of March 2011, my family looked at a house that we were interested in buying. We put in an offer on March 9, 2011. Since this house was under short sale, we had to wait for the bank's (GMAC) approval of the offer. It was accepted under the condition that the current owner brought in a specific amount of money to help on his end. We signed the actual contract for the offer on March 22, 2011, and they accepted our earnest money of $1,000.00. (I know, because they cashed the check). Everything was moving forward. We were doing this under an FHA loan so we had the appraisal done and the owner paid to have the work done to make the house meet FHA standards. On May 13, 2011, the agent for the seller got a call from GMAC stating that we needed to have this deal closed and funded by no later than May 23, as the house was going to auction. He was told that they would get him a letter stating this in writing.

On Monday, May 16, the agent tried contacting the woman who had called him from GMAC, in an attempt to get the letter stating that the sale needed to be done by the 23rd. He was informed that she was out-of-town on vacation and that it would not be possible to get this information until Wednesday, the 18th. The owner, in the meantime, went in on May 16 and put up his money that GMAC said was necessary for this deal to go thought. On May 17th, we took the remainder of our down payment ($4,000.00) to our loan officer. We were set to sign the final papers on May 19th (today). Yesterday, May 18th, our agent got a call from an investor saying that he had just purchased the house from the bank, and that the title was going to be in his name that day. He knew her client had an offer on it, he knew the amount of our offer, and said that if we were still interested in buying it, he would sell it to us for the same price!

How did someone else know what our offer was, who our agent was, unless they had been told by an insider at GMAC? Is this really legal? He told our agent that if we didn't buy it now at this price, he was going to do work on the house and sell it at a higher price. Our agent, the agent for the seller and our loan officer have been trying to get in contact with the woman they were dealing with at GMAC, but to no avail. She didn't even have the courtesy to return the phone calls, the same day we got the call from the person whom the house was sold to. She sent an email to the seller's agent stating that the investor decided that this wasn't the way they wanted to go and that the contract had been rescinded.

Later that same day, our agent got a text from the man who bought the house saying that the title was now in his name and he needed to know what her buyer was going to do. It sounds like someone at GMAC knew that we were this close, one day away, from getting the house and let someone else into the middle of the deal. They gave him what I thought was confidential information so that he could contact us in the hopes that since we were so close, we would jump at his offer. The worst part was that the original seller was trying to sell this house as a short sale so as not to have a foreclosure on his record, but by GMAC having done this, he now has a full-blown foreclosure on his hands.

Despite numerous faxes and phone calls from myself, my insurance agent, and the insurance company, GMAC purchased a separate hazard insurance policy for my home, duplicating coverage that I had, and proved at least six times that I had. This raised my payment. Because I did not know that they had not completed the cancellation for a few months, I was late on a payment that I actually never owed (the regular payment was made on time every month automatically). All late fees were refunded, nice of them, but it was sent to the credit monitoring services as late payments and that stands.

This year when my hazard insurance policy was renewed, I requested that GMAC not escrow the insurance, that I would make payment directly to the insurance company as I had been doing for numerous years. They refused as I have PMI, which cannot be cancelled due to the late payments that I actually made on time. They then tried to charge my escrow account over $5,000.00 for the hazard insurance that they already know cost less than $1,500.00. How do I know that they knew the amount? They had already paid it. And yet, I am making payment to GMAC every month based on the incorrect amount of $5,000.00. Gee, just today, I opened mail from GMAC and there is a refund check for $682.22 for overpayment of escrow. At the same time, I received a phone call from GMAC that I still owed $681.00 more than the payment I sent. I would say this is funny except that it is tragic. In fact, I would go so far as to say I was extorted out of $681.00 today to avoid another false allegation of failure to pay my mortgage payment.

I was promised in early May by the escrow analysis department that the payment difference from the incorrect escrow charge of $5,000.00 would be fixed in time for my correct payment amount to be made by May 15. This did not happen. The escrow analysis department was appalled that they showed a payment in full made of $1,500 for the insurance with a pending charge of over $5,000.00 still showing as owing on the escrow analysis. Apparently not appalled enough to fix it however, or maybe instructed by their superiors to keep it incorrect so they could use my money.

I do not ever think that GMAC will pull this together. It is too lucrative for them. I do not hope that they will remove any late payment dings from my credit, because then the threats that they make would not work. I am going through the credit reporting services to try and get them removed. I would rather not refinance my home as I hope to sell within two years. But I guarantee, that I will never use GMAC mortgage again. I will also send this complaint to everyone who will listen to it, including any regulatory organizations that I can find. If I had the money to do so, I would hire an attorney and sue for the great amount of stress that I have endured.

I really wonder this: What is GMAC doing with my money? They are taking extra by threatening to ruin my credit, to then refund it later. So they are using my money interest free. This sounds like a scam, take an extra $400.00 a month from people, use the money for several months, threaten us so we shut up and pay it, then refund later. Sounds like a full investigation is in order.

Wow, for the first time in two years I finally don't feel alone. Allow me to share my very similar story to all of the other victims I painfully read on your site today. I have been playing Loan Modification games with GMAC Mortgage Company for over two years now, and as of today, I have an approximate sell date scheduled for the middle of next month. But don't worry, I can assure you, I will sell the clothes off my back and stop eating to save the home my husband grew up in to preserve the memories we've made with our three sons and to honor their grandparents' wishes to pass this house onto them, but not GMAC Mortgage Company. I can't tell you how many times I had to resubmit my original modification application as well as all of the supporting data to have them. Finally after a year had passed, they blessed me with a just under 5% rate and an increase of $100.00 in my monthly payments from then on.

The biggest problem with that was my husband was going through recovery from a surgery and would take six months before the doctor would release him. And oh, since he'd already been out on disability for a year, he was made and still is fighting SDI to help him until he can work again. So there is no way I could keep up an increase in monthly payments. I contacted them within the three-month period even with my concerns and started having medical problems that I could no longer ignore requiring a surgery for myself, as well.

I was told that I could not qualify for the Obama program again until a year had passed but if I turn in a completed modification package again, which I had done so the week prior and always made sure to keep my fax confirmations, they'd consider an in-house modification for me. Well, I was truly not worried until I called to pay what I owed before. I was 3 months and 14 days late. You know that there is a 14-day grace period, right? I was told that they are sorry but my account has been sent to the Attorneys' office as of yesterday. I was speechless. I had just spoken to them the day before to tell them I'd be calling the next day to pay my debt. So now, I could not afford the attorney's fee. And I was told that if I could not send the money, they would send it back to me.

So, they continued to send me denial notices then notices that they were reviewing for other options and of course, always needing more information sent to them though it's the exact same information they were just given. So another year later, I have received the notice that they are going to set a sell date and after all the phone calls, without knowing whether you are going to get a compassionate individual on the line or someone who really can't stand their job that day. I was told lastly that there was nothing they could do for me. All of a sudden, I must have passed the timeline for not being able to use the Obama program because I just recently knew that I have another letter stating they have once again not received my completed modification request packet in order for them to review my status for the program. All they did was set me up for failure. They also know that I have equity in my home which is even more scandalous if you would ask me.

I was so disgusted by their request for me to send them another completed packet. I couldn't bring myself to respond nor do I think I ever will speak to them again. I will be letting my husband handle those calls from now on. That is if ever they do call me, they won't bother and haven't needed to since my husband and I have been diligent, trying to work out a better plan. Well, I thank you for the opportunity to let off some GMAC steam I've been holding in and I hope GMAC will eventually be held accountable for their programmed employees. That extra financial gain they are getting at all our financial expenses needs to come back to haunt them. I've saved every paper incoming and outgoing to that company for the last 2 1/2 years and the information speaks for itself. I've had three separate attorneys review my situation and they all said the same things that I believed all along. I'm on my own though. I can't fit attorneys' fees into my budget right now, if you know what I mean.

I bought my home in December 2007 with my ex-husband. We are both on the note. We divorced in May 2009, and he gave up his interest in the house. I kept the house for as long as I could, but after about a year, I could no longer afford it. I started falling behind in my payments, so I applied for a loan modification. I was approved, but the amount was not lowered much, so I was still unable to keep up. I contacted a realtor with RE/MAX to proceed with a short sale. We contacted GMAC in September of 2010, and we have completed all of the paperwork necessary to get the short sale process started.

We put the house on the market and went from there. It has been a nightmare from the very beginning. GMAC is terrible to work with; they do not speak with one another from department to department. I would get calls from the collection department stating that I owed past payments and when I would explain that we were in the short sale process, they would state nothing was in my file. So, I would tell them the situation and they make note. The very next day, I would get the same call and the same thing happens. I think I told my situation thirty times!

After a couple of months, GMAC contacted my realtor and told her that the short sale would not be approved because my ex-husband was still on the note, but I have applied and have been approved with just my finances. So, we sent in all of the divorce paperwork and such, showing that he was off of the mortgage. In October, we got an offer on the house for a little under the asking price, and GMAC came back wanting $20,000 more! It was absurd! The point of a short sale is to sell the house at whatever cost to get out and avoid foreclosure. We lost that buyer, obviously. GMAC meanwhile, kept threatening me with foreclosure. They also kept saying that they hadn't received certain paperwork even though my realtor has sent it in. She sent in my papers at least five times!

Finally, in January, GMAC contacted my realtor and told her to do whatever was necessary to get an offer on the house. We got an offer for $4000 over the asking price in cash. They finally approved the short sale, but once again, they said that they didn't have my paperwork. Once again, my realtor sent it in. It was ridiculous. We had everything almost ready to complete, and last week we received an email from GMAC stating that we need to have my ex-husband file a motion to sell with his bankruptcy judge. It is for them to be able to move forward with the short sale. Well, I did not file for bankruptcy; he did. Again, he is not responsible for the house. How can GMAC approve a short sale one minute and then come back the next and say, "No"? It is completely a fraud, and I am furious! GMAC is nothing, but smoke and mirrors; they should be sued! I am tired of it!

I opened a mortgage refinance on October 20, 2010 with GMAC and was promised 4.3% interest rate or better, a quick closing/45-60 days, and a new credit report in December for better rate and points reduction. I was told a better rate would be available if I add my husband to my credit card and repair a $5.00 dispute on Michael's credit report.

The December credit report was never done. The rate at 4.3 or lower depending on the points is not done. The loan is still not closed (at 130 days). I have stellar credit, a 26% debt to income ratio, and already have a loan with this company. Supervisors have not returned calls in a timely manner. No concessions of any value (to their mistakes) were made. What was offered isn't even at par with current market offerings. There is missing information on the GFE and incorrect amounts written on the contracts

In 2002 I obtained a loan through GMAC. The property I purchased was a two-family, though I bought it as my residence, not as an income property. The GMAC Mortgage Broker told me that I would have to pay a higher interest rate even though I was using the property as my primary residence. This was a lie but I did not find out he had lied until I refinanced my home in 2005 (again with GMAC but with a different mortgage broker). Luckily, this new GMAC broker was an honest person and told me that what the first agent did was wrong and that I should not have been charged such a high interest rate!

I am now having trouble with GMAC again! I have my mortgage payments automatically withdrawn from my credit union every month. I have been doing this since I first bought my home. When I refinance in 2005, there was an issue between GMAC and my credit union when the refinance went through so the first two payments were late. GMAC informed me this was not my error and I was not responsible for the error as I had the auto set up correctly on my end.

Here I am 6 years later and I just found out that the 2 late payments are on my credit report and that my account shows an outstanding late fee of $126 because of the error! Because I do the auto pay through my credit union, I don't get a paper copy of my mortgage statement every month. Today, I registered to view my account online because we just purchased a new home and are using a different mortgage company. This new company needs a copy of our most recent mortgage statement on our current home for the loan application.

When I opened my online account, I found that it showed this outstanding late fee charge of $126 which is listed on every month of statements! I called customer service (which is unfortunately outsourced) and they did admit that this was not my fault. They also stated that they would remove the charge. I explained to them that we are in the process of securing a new loan and that I need a letter verifying this was not my error. They refused to send me a letter! They said that they cannot do that, all they can do is send confirmation that they removed the late fee from my account. They are refusing to take responsibility!

I am writing to officially file a complaint against GMAC Mortgage. The property address is ** Lane Hewitt, Texas 76643 and loan number **. Our troubles began with them in April 2010. My husband was the sole provider for our household of four (two children ages 5 and 2) and myself, a full-time college student. His hours were cut at work and after struggling to make our house payment of $1198.00, we contacted GMAC to see about help. We were told to let our April 2010 payment go thirty days past due and apply for modification. The modification process took until June 2010 to be completed, during which time GMAC told us not to make any payment as it would mess up the process. We were denied the initial modification stating that our debt ratio was too high and immediately made one full house payment.

Beginning July 1, 2010, we started receiving breach of contract notices. I contacted GMAC and was told that if a full payment was made prior to seven days of the expiration date of the letter, it would void it and we would avoid foreclosure proceedings. During this time I had graduated from school and began work. We could afford our house payment but due to the two months from the modification process, we could not afford extra to make back payment, therefore keeping us two months behind. I paid a full month in August and when I went to make a full payment on September 24, 2010, I was told that due to a policy change that had gone into effect two months prior that they could no longer accept one payment-that I would need to make a payment and a half (which was an additional $700.00). I questioned why I was able to make a payment during the two months in which the policy change had gone into effect and was told by two different representatives that it was a courtesy and they could change policy at any time.

I tried to make three different payments of $1200.00 to which I was told they would not take it and would send it back if I tried to send it by mail. It took two weeks to get a call back from a supervisor who told me to reapply for modification since we were now a two-income household. This was the second week of October 2010. We compiled all necessary paperwork and faxed the first set over by October 25. We were told the package was incomplete and by this time our account had been sent to foreclosure with a sale date of January 4, 2011. We faxed over adjusted documents by October 27. I spoke to representatives several times and each time was told a different story and one loan resolution representative, Ryan, told me that if I did not come up with payment that day, my house was going up for sale that same day. When I asked to speak to supervisors, I was always told that there was none available and put on a call back list. To this day (January 18, 2011) I have yet to receive a call from a supervisor.

During this time I filed a complaint with the Texas Attorney General and our account was approved for mediation and assigned to the El Paso office. I called GMAC December 6, 2010 and had $3500.00 to make payment as we had been told that if we could come up with half of the foreclosure amount, we could bring it current, GMAC told me they would not accept it and they needed the full amount; we were also told that we had been denied the modification yet again. I questioned the denial and the agent realized that the denial was not based on current information, but the information from the April modification paperwork. She told me she was going to resubmit everything and to check back the following week.

I took this opportunity to try and seek help from Neighbor Works here in Waco, Texas. I met with Ruben and was told that he would take over from there and to check back December 17, 2010. I tried to contact them and it took until Tuesday December 21, 2010 to get through only to be told by Ruben that the account was still under review and that Neighbor Works would be closed the following week. This left one day to "resolve" modification since foreclosure was set for Jan 4. I called GMAC on December 23, 2010 and was told that due to the fact we had not submitted the requested paperwork after the modification was reopened, that the application had been closed on December 8, 2010.

With two small children, I could not take the chance on being kicked out of our home so i contacted a realtor here in town that helps with short sales. Malisa and I met on December 27 and filed the initial paperwork for a short sale to be allowed. On this day, she tried to contact Advocacy Resolution Specialist Brian ** with GMAC who has still not returned a phone call, Josh **, a loss mitigation specialist assigned to the account, and finally got through to a representative named Frank who gave her a direct fax for the paperwork. She submitted the packet within the hour- not once but twice. Josh called back on December 28 and gave her another direct fax for the short sale paperwork once an offer came through.

We received an offer on January 4 and submitted everything to GMAC on January 5. I received a letter in the mail stating that GMAC was missing a profit and loss form and if it was not received and all alternative options would be canceled. Our realtor tried to contact GMAC from January 11 through today January 18, and finally spoke to a loan resolution specialist who told her their internal notes state that they were waiting on the short sale paperwork but it was never received. He also told her that the foreclosure had been extended to March 1, 2010. After receiving the letter wanting more paperwork, I also filed a complaint with the Federal Trade Commission.

I have given up on being able to keep my home, but the policies and procedures of this company should not be allowed to continue unchecked. Their customer service is not helpful and at times extremely rude. They change "policies" on a daily basis and seem to lose paperwork as fast as one can send it. I feel as if the show of working with the consumer to stay in their homes is nothing but a smokescreen and now realize it seems I have more legal rights as a renter than a homeowner.

Cash For Keys Agreement was emailed to me on Dec 21, 2010 for $2000 to be an agreement, then was removed by Dec 26. This did not give me enough time to schedule for relocation to a new residence. On January 1, 2011, I was prepared to complete the agreement, then the agent said they were reducing the amount. I have spoken with other agents and they said he may be using the funds for his own benefits.

I have received a letter from GMAC. It's a response to a letter from the Dept. of Corp. in CA sent to GMAC about the illegal foreclosure of our home. Here is our reply:

As for the UD, the attorney that represented us Jonathan **, is now a part of a lawsuit filed by the AG for his part in a scam company US Loan Auditors that ripped off homeowners. It is very hard to cloud the title in a UD, when you can't show the proof you need, they are very one sided (the banks). It only took GMAC 6 weeks to sell that house because it was in mint condition for a foreclosure. Prior to the auction date February 5, 2010, there were never any big yellow signs posted at the house. GMAC is not listed anywhere on the property profile for ** Elk Grove CA 95624. GMAC failed to explain why we were denied a loan modification in Sept 2009. GMAC already knows what type of loan this was, it qualified for a 30% principal reduction.

There still is no mention of the illegal foreclosure, GMAC did not assign the mortgage and used MERS to foreclose. MERS has no legal rights in the State of CA. GMAC still has not produced the original loan documents, because they were destroyed by the banks to cover up their crimes. I am preparing to file a lawsuit against Greenpoint, Aurora, Lehman Brothers, and GMAC for aiding and abetting, illegal foreclosure, eviction and sale of our property. Nine out of ten foreclosures are legal, ours was the one of many that were done illegally.

GMAC relied on MERS, which is a software that EDS created for the mortgage industry. In order to be valid, the assignment must be recorded. I can file suit under the Fair Debt Reporting Act.

In October 2009, I called GMAC mortgage to request a modification of my home loan because of a decline in my income. I wanted to be proactive and not wait until the ARM adjusted and I would be unable to afford my monthly mortgage. I was informed, that I was not in default and that many were experiencing home loss, so there was nothing GMAC could do for my situation.

By May of 2010, the loss of income became a huge factor in my ability to stay caught up on my mortgage. I fell nearly three months behind and sought a loan modification, through GMAC. I completed the paperwork and completed the process.

In November 2010, I received a letter stating that the modification was complete and approved and I needed to send in the final paperwork to begin the new payment amount due December 1, 2010. I complied and followed-up with a call on November 30, to ensure my modification would be complete and proper. I called once again on December 3, and was informed by the representative that as long as I made payments before the grace period of December 15, I would not be late. They received payment on December 10, 2010.

I received a call on December 27, requesting full payment of delinquency and fees because the modification had been denied! I was told my payment was being returned to me. I was then given the contact information to collections department. When I spoke to Alicia, who stated she would send the delinquency department a request to review the case for consideration. She asked that I call back on Friday, December 31, 2010.

On January 3, 2011, I received a check for payments made to my mortgage and a letter stating the funds were not enough to resolve the delinquency on my home.

On January 4, I sent in payment in the new amount according to the modification agreement. What kind of game is GMAC playing with the lives and livelihood of thousands of people with income to make payments, but refused the right to live in their homes?

I am convinced the aforementioned events committed by GMAC are in violation of Real Estate Procedures Act (RESPA), Truth in Lending Law, and mortgage disclosure laws and ethic codes, thus constituting fraud.

I was told by GMAC, my lender, to stop making my monthly mortgage payment and that they would modify my loan. They said that I had to be at least 3 payments behind to start the modification process. So, I did what they said. I called every week. They said that it was still in the works and it looked good for a modification. They also said that if I made a payment, it would end the modification process and mess up their figures. Then, I got a letter saying the modification is in its final stages. Two days after that letter, I got a foreclosure notice posted on my door 2 days before Thanksgiving. I was told that I did not qualify, even with the same income I had qualified to get the loan that they are foreclosing on. That was 2009 when I filed bankruptcy. Now it's 2010. And then I have another sale date on Feb. 7, 2011. They coach me and many others into foreclosure by lying to us.

My mortgage was $1400.00 interest only payment, I would pay my taxes every 6 months, but now my payment has gone up to $2094.00 because I was in the negative for my escrow account.

Gmac mortgage has to be one of the most dysfunctional companies I have ever seen. We bought a new house and had supplemental taxes, we asked Gmac to pay them out of our escrow account. They asked us to fax copies of them (which we did in November) Property taxes are split into 2 payments in California, Dec. and April. They said they would do it and that we had enough in our escrow to cover them. I looked at our monthly statement for December, and it showed that they paid one of the supplement bills completely(they were only suppose to pay the 1st payment) Without my knowledge, or permission, I then checked to see if the other supplement bills were paid, they made the 1st payment on one, and hadn't paid the other at all. I call a week before the 1st payment of the tax bill is due, and remind them that it needs to be paid and that they made a mistake by paying both payments on the other bill.

They acknowledged the mistake and said they would take immediate action to pay the bill so that there wouldn't be a late charge. I then get my December statement, and to say I was angry is an understatement. Not only did they have a late payment on my tax bill, for me to pay, they also paid both payments of the tax bill also, and over drafted my escrow account, $3032.19. Unbelievable, right? I then get a letter 2 days later stating that that they are raising my payment by $998.00 because of paying the supplemental tax bills. I'm pissed at this point and start making phone calls.

The 1st person says "oh yeah, that late charge is our fault, we will take care of it" (still haven't) and that is there policy that they pay all of the supplemental bills at once. At no time did they disclose to us this policy or get our permission to do so. So I tell them we can't afford another $998.48 a month, and I am very good with numbers, they don't jive, I asked how they came up with that figure, at the most if I had no money in the escrow the monthly payment would go up a maximum of $855.00 over 12 months.

Furthermore I had money in my escrow to cover most of it, and was negative because of their mistake-3032.19. I have spent the better part of 4 days with numerous people- who by the way are idiots, and only one could figure out the problem and had a solution. Hurray right! not so fast, He says to keep my payment the same as it always has to, pay the negative off, and that will reset my escrow to 0 and that the money pulled out of your monthly payments will then build your escrow account back up, until the next taxes are due.. So I have to find $3032.19 to pay them, (Still can't Believe it) but I can do it.

So I call the next day to double check it and to get them to get it in writing, so that come the next payment there won't be any problems. Yeah right, I get another idiot, I'm going over all of the numbers with them basically doing their job for them and they still don't get it. He then sends me to a supervisor, Horrible, Christine id ** same thing, can't understand, I told her, this isn't rocket science.

I have a negative balance in the escrow account; I want to pay you that money, (that I shouldn't have had to) that will bring me back to 0Zero. At this point simple, she then still doesn't get, she asked me if I would like to opt out of my escrow account, I said hell yes, I will send you the $3032.19 electronic transfer tonight, and I will be responsible for paying the taxes, because you (Gmac) can't seem to get it right. I want it in writing, via email, fax and certified letter, she then tells me she will call me back, well that was 5 hours ago and I called them and they told me it could take 24-36 hours, It is unbelievable how crappy this company is, this is my 4th house owned, I have never had a problem before, and can't understand how they can do this to people.

Then GMAC said we were approved for the loan modification, sent me a fixed rate loan modification for me to sign have notarized and send back (an official contract). They also sent info, spelling out what dollar amounts were needed.

GMAC wanted a down payment amount by a specific date and then revised monthly payments were to begin. I did everything as they asked me to. I made the down payment amount $1,140.00 by December 18, 2008, then the first modified payment for February of 2009 for $1,201.06. I made the next payment for March 2009, then made the next payment for April 2009. Everything looked like it was working out as planned, then after sending in the April payment, I had the check sent back to me with a letter dated April 22, 2009, stating the following: "Enclosed please find cashiers check in the amount of $1,201.06. These funds do not represent the full amount due to reinstate your account at this time. Your account has been transferred to our attorney to begin foreclosure proceedings!"

Then I started calling to see what the hell was going on, call after call, many different reps and supervisors, and all I was told that there was some mistake and the underwriter would not approve the loan modification, after I had received a new agreement. Then after approximately 2 weeks, I received a letter from GMAC (this was now in May 2009). The letter was dated March 19, 2009 stating they were unable to approve the loan modification due to failure to return executed loan modification or required cash contributions. Good old hindsight is always 20/20, they actually made up some false docs to make it look like the loan mod was approved to get me to send in some money.

I later found this out when looking at my account history online. It had been applied to nothing but fees, also the account entries are entered and then taken away at dates that are out of order by more than a month! I brought all of this up to them when they were going to foreclose at the end of 2009, again I was told it was simply a mistake on their part, they at that time approved me for another new loan mod with a higher interest rate and bumped the monthly payment up another $200.00 plus a month. Also when I asked if they could change the terms of the duration of the loan, I was told no there was no way to change it, my loan was a 15-year loan and I wanted to stretch it out to lower the payment, but they refused.

I made a few payments to the new terms of the loan mod but my income dropped and I fell behind again, honestly I have fallen into such a state of despair through the whole mess, I don't even care any longer. I keep trying for my wife, she cannot handle giving up our home to foreclosure, but our sale date is tomorrow December 22. I have been trying to work with the worthless ** for the last 2 months and they still cannot even get my file straight. They do not even show my income on the loan mod I am trying to get now, only my wife's social security income of $568.00!

If anyone has been through a similar scenario with the falsified documents as I have, I sure would like to hear from you, if what they did is legal (which I doubt). It makes me sick that our government would let companies get away with this kind of thing.

For a second month consecutive, a check was mailed into GMAC for extra principal (#**, $2,500) to correct address in Waterloo, IA. This time, it was sent via USPS certified mail with return receipt on Nov. 30. On Dec. 3, Greg ** signed the return receipt. As of Dec. 13, payment has still not been processed. Four calls were made to GMAC and to Denise **, advocacy rep, ext. ** with no results. Last month, a check was sent for $5,000 on Nov. 2 which did not get processed for 17 days.

Upon "stop payment" order to my bank, the company somehow found the check the same day as "stop payment" was submitted. GMAC either is running a system of malicious corruption or ineptitude and their reaction response can put the consumer into jeopardy (i.e., prevent timely payments on our end, engender miscalculations based on GMAC's not transacting our check in any reasonable time).

On our part, we felt that sending accountable mail (certified mail with receipt) would rectify the problem (two times we have done this at $5.50 each). GMAC's failure to process our checks cost us out of pocket expense of $5.50 times 2 = $11.00. They \need to become a responsible agency that takes proper care of customers' payments. The two instances I mentioned were not the only instances we have had problems with GMAC. Others include: 10-11 times where principal only payments were applied to the interest instead. Another occurrence last December, two checks were sent in and they lost/mislaid the second check (second check was found and processed five-six days later). This I consider harassment in the pure sense of the word.

My mortgage company contacted me and told me that I was eligible for a 3-month forebearance because my home was affected by the flood that was recently deemed a national disaster. I had damage to my home and no flood insurance because I am not in a flood area. The forebearance was for the months of September through November.

I was told the payments for that period would be added to the principal, and regular payments would resume in December. I was told that I would not get letters or phone calls during that period. After initiating a December payment, I was told that Sept-Nov were also due in December or my home would be foreclosed upon.

I have spent countless hours on the phone with the mortgage company, to no avail. I think I was set up to have my home taken. Prior to this offer, I was paying my mortgage and I was not behind. Now I am expected to come up with four months or face foreclosure or short sale. My mortgage company is taking advantage of me. I was never given a written document to this effect.

The complaint is against GMAC Mortgage CO. I received a letter stating that based on my record I need a flood insurance and if I do not provide proof of one they would place one on the property to protect their investment! I explained in writing and furnished them with documentation showing that my home was not in a flood-risk plane. The documentation included revised flood maps, insurance rate maps and a letter from the city's Engineering Department. Information also referenced further resources which pertained to the same subject. The information was accompanied by a letter from me explaining the above. I never heard back from my letter.

The letter was received because it was mailed with return receipt required. Instead they did place a flood coverage and billed me an exorbitant $2048/annum. Worth noting is that I have lived in this house and have been with GMAC for 9 years. I have never been asked for flood insurance. By the way, the dwelling sits 60 feet above ground on a hill/slope. If my home was to be flooded (water depths in excess of 60 feet) the rest of the US won't be in the map of the world. I wonder if that is yet another scheme from the financial sector to raise money. I demand that GMAC remove the amount from my escrow. I have no intention of paying for something I do not need and presumably not required by law. The economic damage is time spent (translate to money) to research and dispute something that I shouldn't have to do if the right maps were used by GMAC.

In December 2009, I lost my job and for the first time since I was 16 I was unemployed. I had purchased my home in 2007 and was on time for every payment. I contacted GMAC to ask what assistance they could provide and they stated that I would have to miss a payment to get assistance. I missed a payment, contacted them and they stated that I could apply for a loan modification.

By this time I had applied for unemployment benefits and made one more payment on my mortgage again to stay 1 payment behind. After a few weeks of not hearing back from them after submitting the required documentation, I called and they stated the loan modification was denied because I did not make enough money. I can understand that. So I look and find work, begin work, move out of the home because all attempts to short sell, reduce principal, remove escrow accounts through GMAC all failed.

I pack my family of 5 up and move back to Virginia but I find a renter and continue making payments on the loan which still would not be modified. I went through the process again and to my surprise, I was denied once again because they stated that now I make too much money to get a loan modification. I was so confused and upset that I contacted the hope hotline and felt like I made ground when I spoke to a few individuals who assured me that I would be able to get help. All of this so called help has failed me.

As of today (November 23) GMAC cancelled one payment and sent back another stating that it is not enough to cover my payment due. This company refuses to work with their customers and does not follow up on requests. The business practices of this company are bad and will continue to push families out of their homes because all they care about is their money. But one thing I have wondered in all of my dealings with them is "Why would you send money back if you received it for payment, regardless of the amount?" That makes me wonder what they are trying to do here.

After a financially taxing year in 2007, influenced by significant reductions of income, by 2008 we were in immense economic distress. We were in communications with GMAC notifying them of our circumstances and our upcoming shortage, in hopes that they may offer some solutions. None were offered, and as our financial status worsened, we missed our first mortgage payment in February 2008 and the second in March of 2009. Ready to resume our payments by April 2009, we contacted GMAC immediately for instructions on repayment. That month was the start of in what we feel were deliberate attempts by GMAC to force us into foreclosure.

The following is a compilation of various transactions: January 2009: Mortgage paid. We told GMAC that the distress had mounted beyond our financial capability so that we could not make payments for the next two months, February and March. We directed them to take us off of the auto deduction program and that we would continue in April to make payments manually. February 2009: Though we instructed GMAC to withdraw us from the auto pay, they erroneously deducted the February payment of $1533.46 on 2/18. I called them and demanded the payment to be restored to my account. The representative acknowledges their error and refunded money on 2/19. I have the stop payment and refund notice from the bank. March 2009: No payment was made. April 2009: We are two months behind.

Trying to get back on track. Payment made in the amount of $1545.96, which was deducted from our account on 4/22. This included servicing charge. We were also instructed on 4/20 by operator Sampson that for our May payment we needed to provide a check by phone. I provided check #1723 in the amount of $1545.96, which was to be deducted for May 2009. We were further instructed to pay the second lien in May in certified funds, not by phone. Why they divided the payments which we normally pay together was odd; I questioned it, and was told that is how it needs to be done. I followed the instructions. May 2009: As instructed, I paid the second lien by certified funds to Western Union on 5/18. We had already provided the month before a check by phone to GMAC for the May payment.

June 2009: I call GMAC to make my June payment by phone. They would not allow me to, and told me that we were in foreclosure (on the first lien) because we missed our third payment. I was totally confused, and informed them that I had provided a check by phone back in April, which I told was essentially a post-dated check for the May payment. The operator gave me a hassle, but luckily I provided her with my confirmation number: check # **, confirmation **. She found the information, and revealed that they had entered the routing number incorrectly. Interestingly it was a complete departure from my check and routing number. I was angered. No one called to inform me, so the payment just sat there with a wrong routing number attached to it, so it looked like we just didn't make a May payment.

The rep said they could correct this issue. As I was already in foreclosure with a sales date, they put me on a temporary repayment plan, which I was told would hold off the foreclosure while they corrected the situation. Upon placing me on the new program, I asked if I was to resubmit the April payment. I was told NO. I was told that as a part of the program, I had a new due date, which around the twenty-something of each month and was then told to send the June payment in certified funds, as it could not be accepted by phone, as my previous payments were, while I was on the program. I did so on 6/26 by Western Union.

I spoke with several representatives that month regarding the concerns documented here including: Lulite ID#26253 who referred me to Supervisor Kim at **; on 6/23 I was told by Nicole ID# 11459 that I was to contact supervisor Benjamin * at ** to discuss issues. She gave me the wrong number; on 6/24 I spoke to Tangela ID#31839. She instructed me to make a payment of $1553.46 by July 30th to GMAC (code: Home State IO). This payment would remove the foreclosure completely and I must send funds certified. She also established that future payments would be due on the 30th of every month; on 6/30 I verified receipt of June first lien payment with Kevin, ID#30025. He confirmed payment was credited on 6/29.

July 2009: Mortgage paid in certified funds by Western Union on 7/23/09. Made contact this month with Brian, ID# 26256 on 7/6/09. Also spoke with Kevin (ID#30025) again on 7/14. August 2009: Spoke to representative Blake #1374 on 8/3. He found major errors on our account, which he said was placing us in disadvantageous situations that made us behind further than what we were because someone put us on a repayment plan that was not coinciding with the due date of the mortgage, the 15th. He said it was a mess and he removed us from the program, claimed to be making corrections and told me to call back to follow up on the account. On 8/15, spoke to Chase ID#31242 and was directed to make 1st lien payment in amount of $1553.46 by certified check and send to PO Box 9001719. Mortgage paid in certified funds by Western Union on 8/18. On 8/26 Western Union sends a note saying GMAC declined the payment.

September 2009: Another fight ensues. They claimed August couldn't be accepted because I sent the wrong amount. Not correct. I sent the same amount I had been sending. They put me through difficulty again. They told me to call back in a few days to update myself on status. On 9/9, Kreston #11553 supposedly solved the issue and placed us back on the repayment plan. I asked when to resubmit the August payment; they said that I did not need to resubmit the August payment. Worried, I wanted to make sure this was not putting me further behind with the payments; I kept asking and was again told that it was a part of how the plan was setting up our repayments. Supposedly they corrected the problem in the system, and I was instructed to make the next payment for October. On 9/4/09 spoke to Yvette ID#21305, who gave me instructions on downloading financial work out package at gmacmortgage.com.

October 2009: Mortgage amount of $1553.46 paid in certified funds by Western Union on 10/16. November 2009: Mortgage amount of $1553.46 paid in certified funds by Western Union on 11/30. December 2009: Mortgage amount of $1553.46 paid in certified funds by Western Union on 12/18. We receive a repayment agreement from GMAC requiring three payments of $2,437.18. We can't afford payments at that time and do not sign agreement. We continue pressing for a modification. Received another notice from Western Union dated 12/29 saying GMAC declined yet another payment. We did not get this notice until early January.

January 2010: Went to retrieve payment from Western Union on 1/7/2010. At this point, we are convinced GMAC is trying to force us into foreclosure. I spoke to GMAC rep on same day, named Michael #11286. Gave him the history, because of course every time you call no one knows anything about any of the conversations you had prior with the other representatives. Typically the notes aren't copious and each representative handles matters differently depending on their tenure, and it's obvious that GMAC is full of under informed rookies.

Michael referred me to supervisor David H. who said to go and retrieve the payment from Western Union, do not resubmit, and await the adjustment modification review. (They had gathered information from us prior to try and qualify us for modification). In the meantime was put on another payment plan. The next payment was due for January. I was also told that I did not have to send the funds certified any longer. Unsteady with such advice, I decided to still send it certified, but instead of using Western Union, I sent January Mortgage payment certified funds by Bank of America and had it sent by certified mail. I received the notification of receipt on 1/27.

February 2010: Mortgage sent in certified funds on Bank of America check by FEDEX on 2/24. We are late paying our taxes. When we went to pay the taxes (I don't recall exact date, but believe it was end of February) we were informed that the taxes were already paid. We asked who paid the taxes, the clerk did not know. We had no idea who paid our taxes. And since we got nothing from GMAC, we didn't think it was them. Considering all the foolishness and confusion with GMAC, we decided not to call yet and make inquiries, as we were awaiting a modification and didn't want to risk anything by introducing a new inquiry. We hang on to the money in case there is an error.

March 2010: GMAC auto deducts $1,533.46 from my account without my knowledge on 3/16. It causes seven accounts of negatives on my balance. I called to find out what the hell happened. They claimed that I set up auto deductions manually from my on line account. Yeah, right! We are in distress and after requesting to be taken off of the auto payment back in January of 2008, they are saying that I voluntarily went into my online account and put us back on? I demanded that they take me off. They said that they could not. They said I had to do it myself because it was my personal account. We fussed back and forth.

I went online to try to deactivate the auto pays, and guess what? GMAC has me locked out due to lack of activity! This is foolishness, as this online account is used nearly each month to pay another house note I have with GMAC. The next several days, I'm calling them to complain, they pass me around like a ball, and finally in one of my many calls to them, a rep says that they needed to go in and clear the account so I can re-sign up and then I could deactivate. I go back on line, I still can't get in. Days pass, as it is difficult to even get through to GMAC, between the disconnects and everlasting holds. By this time, the April payment comes.

April 2010: Despite my continued attempts to set up a new account, the April payment is deducted on 4/16 (and it's interesting: My payments are due on the 15th. Why would I set it up to be deducted on the 16th when I know that I would incur fees? They set this up. Meanwhile, fees are mounting.) Still heated, I call again and finally get a seemingly intelligent rep. I explain the situation to him. He also tells me that he can't take me off the auto pay, which I have to do it. I told him they better take me off that auto pay or I will report that they are deducting money without my permission. Suddenly, he is able, miraculously, to deactivate my passwords, etc., clear the disruptions, and voila! I can get into the account. I immediately went in and deactivated the auto pays.

May 2010: Mortgage payment was not accepted. I spoke to GMAC the last week of May to let them know that my payment was coming, that I had to wait for my Friday, May 28th check. (I technically have until the last day of the month to pay mortgage each month, in this case, the last day was the 31st) I was instructed not to pay online because it would not credit in a timely manner, but that I needed to make the payment over the phone so that it could be credited immediately. As my check was issued on Friday and would not be credited until midnight, I called on Saturday to make a payment. The message after several prompts said that GMAC was closed, and to call reg. business hours. (I thought they were open on Saturdays! The rep. could have told me that!!) I called first thing Monday morning.

They were closed again--, on the last day of the month!! Man, she could have told me that too! I had just called the week prior. Why was I not given every opportunity to satisfy this bill? Could she not have taken a check by phone to assure prompt payment? Interestingly, we also received a letter dated May 10th, offering us the option to satisfy our second lien with a payment of $6, 156.16. In the midst of foreclosure, we were unable to consider this option; an option that could have changed everything positively for us, as our struggle was rooted in the entire mortgage payment, not simply the first lien.

June 2010: I called June 1st to make the May payment, giving them the background of my attempts to pay before June 1st. They told me I was seven months behind and in foreclosure and would take no payments less than $6,000-some-odd dollars. Seven months?! Wow. June 2010: We were served a Notice of Foreclosure Sale dated June 4th by the Sheriff informing us of the public sale of our home to be held on July 6, 2010. We receive a second notice by certified mail that encloses a reinstatement quote provided by GMAC in the amount of $22, 213.87, due by 2pm on July 2, 2010 to save our home. We contact Servicer Carita ** for assistant. She is rude, and brisk, and even makes reference to erroneous notes in the system that documents that my financial stress is due in part to my not receiving punctual child support payments. What? I am married to the father of my children. I don't receive child support. Baffled, I ask her to repeat that, and she does not. She requires that we fill out another financial workout package and submit it. The package is promptly submitted.

Ms. Carita offers us a repayment plan that incorrectly amortizes payments for 36 months, resulting in payments of $2,988 and changes an average of just less than $500. The payments for the supposed escrow shortage should have only been amortized for 12 months and then revert to the normal payments plus normal escrow. She also requires an immediate payment of $3,000. I contact her office to discuss the error. Her message says she is out of the office for the next few days. I leave a message and send email correspondence.

I finally get her on phone again. She is curt and unwelcoming and does not allow me to explain the concern and suggests that this is the only alternative we have to the large sum and that's that. I discuss it with my husband, we feel pressured to comply. We make the $3K payment by Western Union. Upon receipt, Ms. Carita calls in to halt foreclosure. Our next payment of $2,988 and change is due at end of July. We are instructed by Ms. Carita that we must call into her office on the 15th of each month to check the status of our modification.

July 2010: July 15th I call Ms. Carita. She informs us that the investor has reopened the pool for modifications, and that next month would likely be our last month of making the repayment amount. We make payment of $3K by Western Union to GMAC by 25th deadline. GMAC in-house is also informed of the error in the repayment amount. They acknowledge error and said it would be of no consequence, as the modification would correct it. We decide to be patient and wait for modification, though we are unsure of how we will continue making payments.

August 2010. The 15th falls over the weekend. I call Ms. Carita the Friday before to check in. She is not available. I leave a message and wait a few days. No response from her. I call back and leave a second message. Still no return calls. We make payment of $3K by Western Union to GMAC by 25th deadline. Septemeber 2010: I call Ms. Carita by the 15th. No answer. I call again. Still no answer. We make payment of $3K by Western Union to GMAC by 25th deadline. We continue to neglect all bills to satisfy this one.

October 2010: We make payment of $3K by Western Union to GMAC by 25th deadline. We are now unsure of how we will continue making the payments. We have depleted all funds. Haven't heard from Ms. Carita since July. All correspondence now is with GMAC in house. November 2010: The week of November 15th, GMAC concludes that we are not being modified and that the amount of $7,500 is due by December 15th. According to their records we are still approximately 3 months behind. Since June, we have paid GMAC more than 12K. In conclusion, we missed two months of payments in early 2009.

Due to trickery by GMAC in the form of confusing repayment plans, low quality representatives and denied payments, we are on record as having missed 7 payments, which they are charging us to repay along with back taxes (they slyly paid without fair notice. We had no idea they paid it, then they penalized us. We asked if we could. And are requiring us to repay. Additionally, GMAC underhandedly paid our taxes for the 2008 tax year, imposing upon us a repayment plan that incorporates back taxes. We should have been given fair notice to have the option to pay ourselves. All of this added with fees has placed us at an unfair and unearned disadvantage. GMAC is clearly trying to force us into foreclosure.

Many of the conversation had with GMAC between June 2010 and now have been recorded. The conversation making reference to our supposed impending modification is also on tape. Also, I have further notes of specific names and operator numbers attached to some of these scenarios. I'll have to compile them if necessary. Nevertheless, this gives you a clearer picture of the journey to this tragedy. As a result of GMAC's unscrupulous practices, we have neglected our other bills, depleted our funds, suffered physically (my husband was hospitalized for stress) and taken on countless extra jobs to meet these exorbitant obligations. GMAC's business practices are absolutely inexcusable. These people must be stopped.

At the beginning of the year, we started to have some financial issues and got behind on our mortgage. We made a repayment plan with the mortgage company and also applied for a Home Mod at the same time. After about almost 2 months, we got a response that we were denied. Mind you, this story has happened to us twice already. We did not know that when we filed for the Home Mod, and if we were denied, they would cancel our payment arrangement. At this point, I was so frustrated. We had taken out every cent we had in our 401 to get the house payments caught up which was close to $4500.00.

Then we fell behind again in July. I continued to make payments but was always a month behind. We applied for another payment agreement and I had to come up with $1300.00 on the date given. I paid it as agreed, then 2 days after the payment was made, they were calling me and telling me that I owe them $3500.00. I told them that I paid what I was told and that I had an agreement for a 6-month plan. They informed me that it was $100 dollars less then what they had told me. However, I wrote the amount down, so I am sure about it. Consequently, since I broke the agreement, I would now have to pay some outrageous amount to save my house from foreclosure. On top of all this, the day I made my payment, I called and gave them the amount but no one told me I was $100 dollars short or I would have went back and paid more.

They told me after I paid that I would only owe $1777.76. So I paid the $2100 on the 7th of Nov. Mind you, I borrowed this money from friends and my church so we would not lose our home. Then I get a statement today saying that I owe $2800.00. Please, I need help. I cant fight this by myself. I need to know where to turn. They are telling me that I have to pay $1300.00 by the 30th of this month even when I just paid them $2100. And now, they want more.

My husband has not even made enough to cover our bills this month. How the heck can I give them anymore. And if I don't get this paid, I will have until the 30th of December to pay the $2800.00. I have read all the complaints from other people. GMAC has a bunch of brainless, uncaring and uninformed people working for them, and they always blame their mistakes that are effecting my future on their computer systems. Someone needs to be held accountable. I just don't know what to do and where to turn for help to get this investigated. And they even have the nerve to ask us if we have any 401, savings or friends to help us. No, we don't. You have made us use every cent we had and now we are broke but you want more.

I have been trying to make my house payments for the past 7 months to GMAC Mortgage and they keep sending them back to me. I get a letter that says I have been referred to their Attorneys. When I call the number, they say to talk to GMAC, I call GMAC and they say talk to the attorneys. I don't know what to do.

I have the money to make the payments and admittedly fell behind when the economy went bad, but just as many others have, I am recovering from the losses and am now ready, willing and able to pay all back payments as well as continue on with the payments as usual. I have gone through the normal loan modification procedures with no luck. Is there a pending class action on this issue?

How do we get through to these Urban Terrorists that people are recovering and they need to bump the back payments to the end of the loan period and proceed with the loans as usual? I am very frustrated with this company, especially when they post a $2 billion profit for the year, received a $5 billion bailout from the Government and now have an IPO that should net them another $23 billion or so. We need help with this .

In April of this year, I got one payment behind on mortgage because of about $1,500 - $2,000 in medical bills. I stayed one month behind for a few months but once I became two months behind, I called GMAC to find out if I could get a forbearance on one payment or if I could spread one payment out over several months. I had one payment that I could make that day. They did not accept a payment and told me to apply for the loan modification. I told them that I would not qualify for the loan modification because our house was not overpriced and we did not buy more than we could afford. But she insisted on us filling out the loan modification and would not take at least one payment.

We sent in paperwork and waited two weeks. We heard nothing so I called GMAC to find out what was going on. They made us refile paperwork and I did not hear anything again. They told me that I would get a letter about the loan modification and when I did, to call back and make arrangements from there. At this point, I am now three months behind and it is October.

I received a letter denying loan modification for exact reasons I told her they would. I call and get the some guy who says that they are temporarily accepting partial payments. I made arrangements to pay $1,800+ payment which was 1 1/2. And when I made payment, would make arrangements for next payment from there. I called back the end of October to make payment. She told me that they could not accept partial payments and the previous rep should not have done so. She would not accept the payment I had that day. She did make arrangements for me to make two full payments including all late fees on November 12th and we agreed that I would make one more full payment the end of November.

This would get me to owing November--and December would be due and it would keep me out of foreclosure. I called to make payment on November 12th and was told they could not accept payments because two days before, it had been sent to the attorneys for foreclosure. I now have to come up with $5,300+ and the attorney fees, whatever they are, because no one at GMAC knows what they are nor do they have a number for you to call and find out.

I have requested numerous times to speak to a manager, at which point, I get put on hold indefinitely or hung up on. A couple of reps filed a report to have a manager call me. She did and left a message but when I called her back, I got a machine and no returned phone call. I have attempted to make at least four to five payments with them to become current in the last six months.

But for whatever reason, they won't accept payments. Every rep is reading from the same script and have no information concerning previous phone calls or arrangements made in whatever they are looking at on our account. We will probably lose our home next month in December, maybe January, if we are lucky. These politicians need to wake up and stop this. These banks got us into this mess and they are about to get us right back into it again.

I first applied for a modification of my loan in July 2009. I sent the documents to GMAC again in October, 2009, January 2010 and sometime between then and May 2010. I met with their representative on May 5, 2010 who told me I would be able to modify my mortgage, tack the arrears onto the end of the loan (the modification payment would be for a period of 3 months.) I waited six weeks for the new payment amount to be sent (as their representative had promised.) Instead, I received a Notice of Foreclosure. At that point, I hired an attorney. Again, we sent the documents, again and again. On October 26, GMAC sent a letter requesting my 2009 tax return (which they'd received several times already) and lease/rent agreements.

Their letter stated I had until November 11th. They received both on November 11th and my attorney called to check if they had been received. He was informed their letter said November 5th and they were going to auction my condo on the 12th. My attorney asked them for a copy of their letter. They told him they didn't have it. My attorney told them, "We have it, we'll fax it to you." They received a copy of their letter which did, in fact, give us until the 11th to submit documents. Their response was, "Well, we're still going to auction the condo tomorrow anyway!" And they did! Their letter which we faxed to them arrived on the East Coast at approximately 4:30 p.m. The sale was completed by 10:00 a.m. in San Diego on November 12th. They had no intention of even reviewing these documents.

I have a mortgage with GMAC. The house is in foreclosure and I agreed to a short sale with GMAC and they did all that I was told. I received a written contract on how they are not following through. On here, the head got a realtor to buy but still there is no written contract and reneging on parts of the offer that we talked about on the phone. I had a stroke a year ago, living on SSI and I'm disabled. I talked to Hud about this and I thought ways of doing this the right way. GMAC has misled me on my short sale.

The house is still in foreclosure and it had to be sold at the courthouse in January 2011. Why is there no written contract? Why is the house still in foreclosure though with a buyer? Why will they not pay me the $3000 dollars as they stated for the move out? I have followed the rules and am being taken for a ride here. Something needs to be done about this. I'm going to lose my home which I have had for over 20 years. Big businesses can't do that to us, can they? Please help!

I had a stroke a year ago living on SSI and I'm disabled. Talked HUD about this. Thought I ways doing this the right way. GMAC has miss leaded me on my short sale. The house is still in foreclosure and to be sold at the court house in Jan, 2011.

I have followed the rules and I am being taken for a ride here. Something needs to be done about this. I'm going to lose my home which I have had for over 20 years. Big business can't do that to us. Can they? Please help!

Well, same as others, we also have been trying to work out a loan modification with them and they have always come back and said they haven't received the paper work or that they were missing paper work. Through out 4 months, I've gotten no where but they have started foreclosure proceedings and we are afraid we are going to have to file chapter 13 or try else where for a loan modification which cost money with my husband losing his job due to the economy and the loss wages are killing us and all that, that GMAC will stay need to come up with 10000 dollars and then the payments will be 698. Monthly, I don't see anyone being able to work with this company.

We have a mortgage with GMAC since 2006. Many instances have occurred where GMAC has either failed to process our extra principal correctly (putting it to the PIT instead of principal) or delaying or losing our extra principal payment. On top of that, there have been times when the statement/invoice for the upcoming month's payment either does not get to us or gets to us around the 3rd week of the month before payment. I have called them innumerable times and they tend to put the blame on us, on the Postal System when delays have occurred.

For instance, we sent an extra principal payment on the 2nd of November 2010; as of the 12th of November, they still haven't transacted my check. Also, the customer service section at GMAC said they sent their statement for December out on the 2nd of November (as of the 12th of Nov, we still have not received it). All other companies that we have transactions with (i.e., AT&T, Suntrust Mortgage, DishNetwork) either receive our payments or get their invoices/statements within a range of 3-4 business days.

Unfortunately, GMAC, time and again, seemingly fumble their statement processing and recording transactions. If I could, I would seek out someone in the constituency within this fair land of ours that would get GMAC to be held more responsible and to clean up their act. In another instance, 17 December 2009, we sent two checks to them without the statement. One of times they were quite late to send out a statement - one for the PIT and one for extra principal to the address given by the customer service rep. What happened was they processed the PIT payment but mislaid the extra principal check. It caused us to go our financial institution for a "stop payment" on the latter check. Almost miraculously (beign facetious here) GMAC "found" the other check two days later.

Quick observations: GMAC either doesn't have the staffing they need in Waterloo to run such a large business. Their is intentionality in what they do (don't want to provide us with the opportunity to pay off our mortgage) or the personnel at GMAC are not interested in helping the customer in regards to their mortgage (yes, I have read the complaints addressed by other customers about GMAC so I see I am not in this boat alone.) One name out there: GMAC CEO Steve *** at PO Box ***, Waterloo, IA 50704-4622. If he is the mastermind, address your concerns to him.

I attempted to reduce the home payments by working with an attorney. Each time, since January 2010, we have provided all the GMAC docs, indicating that they breached their own contract. Last time, we sent certified funds at their demand. They returned one check which we never cashed but kept the other two. Then, they threatened us with foreclosure.

Our attorney advised GMAC of the breach. Then GMAC provided us with yet another agreement and again we provided all the docs via Fedex including payments before the first of the month of which they have cashed. Then, another letter with foreclosure threats just arrived. It seems that GMAC needs to be examined by the US government for their fraudulent activity to so many people. We are paying them 7.2% at $2,874 each month. The litigation office of GMAC stands alone from the other departments and there is no connection with their legal group.

We had received a loan for a house 6 years ago with two banks. Basically, I did a 80/20 loan which worked for us. The catch which we didn't know until title signing was a balloon payment on the smaller loan in 5 years. Not a real issue, we thought we'd just refinance. Two years went by and both loans were sold one to BofA and the other to GMAC. When the 5 year balloon came up, GMAC said they would not refinance and wanted their money, 50k.

We tried others and because the situation with sinking values nobody wanted to touch the loans. So without refinancing, we have now gone into a foreclosure status. It's been 6 months and still GMAC has not sent any paper work or letters. We tried 4 times to get help through the stimulus plans all of which GMAC kept saying they needed updates and additional information and they lost our fist two applications.

We finally gave up. GMAC is the worst mortgage company and the employees have no answers.

The customer service that represents GMAC gives absolutely the worst service to its clients. I am sitting here, writing this complaint, and on the verge of tears. I submitted a request for a loan modification over 2 months ago. I was informed that the entire process took up to 15 business days for a final decision. I have been patiently waiting in anticipation for an answer, in which I do weekly follow- up calls, to try and keep abreast of the status.

My weekly calls,however, have become an unproductive, routine attempt to gather information, in which they are never able to provide. Today, November 10, at approximately noon, I proceeded to do as I would weekly, which was attempt to get an update on the status of my loan modification. To my surprise, I met one of the rudest, most inconsiderate, disrespectful, and emotionally, and socially abusive representatives, that I have ever come across in a lifetime.

I asked this representative if there were any updates regarding my loan modification, and shared concerns regarding time constraints, and he proceeded to harshly and abusively tell me that I need to learn how to wait, as there is nothing he can do. It's up to me to keep calling, and wait as GMAC is trying to help me. I then proceeded to ask him for his name, as I did not appreciate his tone, or what he was saying. The representative then refused to give me his name, or badge number and asked why I need to know his name. He also stated that he would not give his name as that's personal.

With all that said I requested to speak with a supervisor to rectify the situation and file a complaint on him, as he refused to follow the proper customer service procedures upon. The representative told me that there were no supervisors available, and hung up the phone on me. It is one thing for me to deal with the company's disregard of time frames, and give its client false information, along with not keeping individuals abreast of the status of their application, but it is another for their representatives to relegate, and openly disrespect individuals seeking assistance with maintaining their homes. I am grieved, and emotionally disturbed, and distressed right now. I pray that no one else experiences the kind of treatment and violation of public rights that I did.

Due to a contentious divorce, I became behind on my loan payments. After speaking with GMAC, they offered me a loan modification to bring the loan current and actually decrease my payment. This went into effect in March 2010. I made my new monthly payments and should be current on my loan. However, GMAC did not put the modification in their system correct, so they showed that I was in fact under-paying my loan and was therefore delinquent. I made several calls to resolve the problem, however, I was repeatedly put on hold for more than an hour. I finally spoke to someone in October and they acknowledged that it was their error. I was assured that all late charges were going to be reversed, all negative credit would be removed and that I would be current with my loan.

On November 5th 2010, I received a notice stating that I was in default and that I owed more than $2000. It stated that I had not made a payment since February 2010. I again called GMAC and spoke with a gentleman that stated that I was overdue with October's payment. He said that I owed $320 (my payment is $263). I had already made a payment for October. When I asked for a supervisor, I was then advised that I owed $34. I again asked for a supervisor and was told that I also owed for an appraisal fee of $83 from the modification. Never was I told of an appraisal fee; it is not in my documents from GMAC and no appraisal was completed. She also stated that my loan modification was not completed until November 2010.

I have not received any documentation on this since February 2010 when I was told it was done. At this, I was informed that she would need up to 48 more hours to investigate my account. I was on the phone call for more than 55 minutes. I have stressed more in the last nine months over this loan and they continuously put me on hold for extended amounts of time, and then return with no answer. I cannot believe that any business is allowed to operate like this.

This has been an extremely stressful situation. I have spent hours trying to get resolution and they just continue to talk their way around the facts.

Our home was in default. They asked us an amount to bring our account to current in which they requested an additional for the month of December 2010. Once they receive the payment, they did not include the payment for December. They only brought the account current to November 2010. This is unfair since we are experiencing financial difficulties. It is unjust and illegal for GMAC to take our money and to give us false representation. We want GMAC to also apply our December payment.

After diligently paying my mortgage since 2001, the economic crisis struck my household and I began to struggle in paying my mortgage. In July 2010, I submitted an application for mortgage modification because of this economic hardship. At that time, I had fallen two months behind in my mortgage payments. After two months of waiting for a response to my application, I contacted GMAC for an update. Only then was I informed that my application was incomplete, and that additional documentation was required.

I immediately forwarded the requested documents to GMAC and, after another few weeks with no word, I called again. I was told that my application had almost "fallen through the cracks," and that more documents were required. I submitted these documents immediately and began calling weekly to ensure that my application was being processed.

On or about October 20, 2010, I called GMAC again and I was advised that (1) my application for modification had been denied, and (2) my home was now in foreclosure and would be sold on December 7, 2010 unless I cured the arrearage before that date. To this day, I have received no written notice of foreclosure, and the only notice that I have received was through that telephone conversation. I was instructed to contact the foreclosure attorney in order to get the exact figure that I would have to pay in order to cure the default. Because of problems in getting this figure from the foreclosure attorney's office, I called GMAC mortgage again and I was able to obtain a figure from them for the delinquent amount minus the attorney's fees.

The next day, when I spoke with someone in the foreclosure attorney's office, the figure given was several hundred dollars more than the GMAC figure. The closing attorney's agent assured me that this higher figure was due to GMAC's quote to their office, and not due to the $160.00 attorney's fees.

I was also advised that this figure would be good only until close of business on Friday October 29th (which was the next day) and those additional fees would accrue if the payment were not received by then. On Monday, November 1, I contacted GMAC mortgage at 8:44 a.m. in order to discover exactly what amount I would need to resolve the delinquency. During this first conversation with a GMAC agent, I received an outrageous quote, and when I called back at 9:15 a.m. to get a detailed explanation of the quote, I spoke with another agent who specifically explained each of the charges and the total that I would need.

This second quote was approximately $1,000.00 less than the quote that I had received one hour earlier from a different GMAC representative. At the end of this second conversation, this agent and I understood and agreed that the amount needed to resolve the delinquency was $7,033.88 plus the attorney's fees. I advised the agent that I was going to the foreclosure attorney's office immediately to pay this amount, and I requested that she make note in her file of our conversation, the quoted amount, and my intent hand deliver payment to the foreclosure attorney's office the same day.

I then contacted the closing attorney and verified their fees before obtaining the necessary funds in cashier's check and going to the foreclosure attorney's office to hand deliver the payment. When I attempted to tender the check, I was told that the amount I was paying was insufficient, and that GMAC had quoted a different figure to them which was $450.00 higher than the figure quoted to me two hours earlier. Consequently, the payment was declined. I immediately contacted GMAC, and I was informed that, although the figure quoted to me that morning had been correct, an additional $450.00 "Broker's Price Opinion" fee had been added to the total ten minutes after I finished speaking with the GMAC agent.

In examining all of the conduct performed by GMAC in handling my request for assistance, and my subsequent attempt to save my home, I am convinced that GMAC is not acting in good faith toward its customers, and that the GMAC mortgage assistance program is nothing more than a deceptive business practice designed to give homeowners false hope and ultimately to deprive them of any true recourse for curing their mortgage default. I'm certain that when the dust settles, GMAC will have devoured many homeowner's dreams through this new scheme.

I took over my family's house in 1998. In 2005, we refinance so my name was included on the Deed and all legal documents. I was working at Macy's, managing six departments when a severe form of rheumatoid arthritis complicated with lupus, extreme pain, seizures and sides effects attacked my body.

I lost my health insurance and began having problems with my mortgage payments. The Social Security Administration found me 100% disabled in December 2006. In 2007 GMAC sent me a letter stating that the house would be on foreclosure. My family and I settled with GMAC and the foreclosure did not set in. The monthly payment of $1227 has been paid on time for the past 40 months. The mortgage is not fixed, so my family and I asked GMAC for refinance, but GMAC Mortgage stated that the house owed more than its value, so modification could be a solution. The loan officer did not explain the consequences, rules and policies of the modification loan.

In our effort to make the loan fixed, we filed an application for modification loan. We did not realize at that moment, that an escrow account was required in order to apply. Ms. Jessica ** has stated in her letter that modification and refinancing have different rules and regulations; she, however did not make us aware of this valuable information prior to her self-mandate to pay our debts. We felt we were entrapped, because without reviewing the entire application, Ms. Jessica ** rushed to order the payment on the balance of our municipal tax, and on the balance of our home insurance. We received this information before receiving the letter of denial because on the application we included my father Richard ** as co-owner.

GMAC Mortgage claimed that it is our responsibility to return them the money they expend in our municipal tax and home insurance, for this, Ms. Jessica jumped my mortgage payment to $2027. I know, by multiple advertisements that the reason for modification is to lower mortgage payments; however, GMAC Mortgage could not wait until the application were at least reviewed to doubled my monthly payment. GMAC Mortgage acted viciously, and with malice when they prompted to create an illegal escrow account. It is illegal because an application that is not reviewed could not have past to accounting and billing in such a hurry.

If there is a law that state this, I need to know. Entrapment is illegal. It appears that GMAC Mortgage has acted as if it knowingly had committed an act of entrapment. The rush GMAC Mortgage took to jumped my monthly payments, makes me suspicious on its integrity as a member of the Banking Commission.

GMAC Mortgage's Customer Service and overall business ethics and tactics are atrocious. I have never in my 20+ year adult life dealt with a more deceitful and personally disruptive organization. I am a hard working husband and father of four children. I have never been unemployed, but have fallen on tough financial times due to rapid inflation and subsequent inefficient increases in standard of living wages. However, in every instance except GMAC, my lenders and creditors have accommodated my requests for either deferrals, extensions or partial payments in order to work through the financial problems and maintain my sanity and security.

My youngest son is eight years old and was born with a rare, physically debilitating condition known as Arthrogryposis. He is a brilliant child and an absolute joy to be around. He has been receiving medical treatment and has undergone six major surgeries from one of the finest hospitals on earth in Dallas, Texas. In April of 2010, he was scheduled for the most recent of the surgeries. My home is in NW Missouri so we must travel the approximately 600 miles to the hospital. There were many complications following the procedure that required either me or my wife to stay in Dallas for 3 1/2 weeks and an additional two surgeries.

Several plane fares and food and lodging expenses over this period completely depleted my savings and approximately one month's salary putting us behind on all payments. After contacting GMAC to explain my situation, I was referred to the Loan Mitigation Dept. I was told that I was not far enough behind on my mortgage payments to qualify. I requested to make partial payments (1/2 - 3/4 of my normal payment). GMAC said that this was not an acceptable option.

In July of 2010, having not gained any ground on catching up on my monthly payments and building substantial late fees, I again contacted GMAC customer support requesting help. This time, based on my situation, I was given a Web site address where I could fill out the loan modification documents. I submitted the entire loan modification application with all the required supporting documentation.

Three weeks passed during which I did not receive any confirmation from GMAC of receipt of my application. I called customer service and after about 45 minutes and five different people, I was informed that my application had been received with all necessary documentation and that it was under review. I was told to call in once every week or two to check on the status and that while my application was in the review process, I would be protected from foreclosure.

Towards the end of September (over two months after submitting my loan modification application), during one of my weekly follow-up calls, I was informed that if I did not remit at least 1 1/2 month's worth of my normal mortgage payments before October 1st, my home would be placed for foreclosure sale! I scraped and borrowed from every place I could find and made the payment.

Last Monday, 10/18/10, I received a letter in the mail stating that I had been denied a loan modification because they had concluded that I make enough money to pay my monthly bill. I didn't want my payments lowered, I simply asked for two monthly payments and late fees to be deferred to the end of my loan. It is now 10/28/2010 and I am expected to pay over $4,500.00 before November 1st or my home will go into foreclosure sale proceedings.

Too bad, so sad! I have a three-week old baby daughter, a disabled son in a wheelchair, two other sons, and my wife is expecting to live in the home they've made and known for almost six years. How do I tell them that we have to pack up and leave? Where do we go? Who cares? The only thing I am absolutely certain about today is that GMAC Mortgage does not care about anything other than ensuring that they get their money even when it means destroying a family.

Last year, my hours were reduced and I fell behind on my mortgage. I had applied for a loan modification and sent all of my paperwork in. I called them every other week. They had received all of my paperwork and they said that they would contact me to let me know if I was approved for a loan modification. I called every other week and would always speak to someone different who would tell me that I still had to wait.

Three months later, I received a letter stating that my house was going to be foreclosed on from an attorney. I immediately called GMAC to find out what the story was. They said all I had to do was to call the attorney's office and let them know that I was waiting on a modification, which I immediately did (they were not friendly at all). I then called New Hope for help. New Hope connected me with a mediator who put me on a three way call with GMAC mortgage loss mitigation.

They admitted that the loan modification was denied because the first payment was not received. First of all, they never contacted me either by phone or by mail that I was approved. They were also able to see my calling history with them which was every other week. No one ever said I was approved and needed to make my first payment. They had said that they would put through another loan modification and expedite it within a week which they did. However, the attorney they contracted had said that I needed to pay their fee. Also, in order to get this foreclosure stopped, I would need to get forbearance from a private contractor which included all past due amounts and attorney's fees.

I was beside myself. It was their fault for "letting it slip through the cracks" as they said and now I owe an attorney and someone else $11K. Does the government know what these people are doing to hard working individuals? They should be the ones to pay for this, not me. I don't want anything handed to me. I am willing to make my payments, but what they did is not right.

My parents have a home in Bullhead City, AZ. Then, I recieved a call from them that their house had been broke into. The back door glass and the door itself had been broken and kicked in. The police arrived and nothing had been taken surprisingly. However, they did find an order sheet left on the dryer from a company hired out of Texas by GMAC to winterize the home. They have lived there for over five years and make their payments on time, if not early, and never has the mortgage company sent someone out to winterize their home in that time. They also had changed the lock on the back door.

When we contacted the mortgage company, they said that they had the right to come into their home at any time without contacting them and had the right to winterize the house. But the company did not winterize the house; they just left the damage behind. It cost my parents over $500.00 for a new door. Still, they gave no explanation for the damage and for the reason why they entered my parents' home. My parents felt violated and are now afraid. They are already seniors and feel that there is nothing that they can do. I am furious that they have made my parents feel this way. What is happening?

On 7/28/2010, I received paperwork to complete my loan modification, stating "Congratulations, you passed the trial period." The FedEx envelope it came in had to be returned no later than 8/5/2010, which it was also including a check for the "modified" amount. I then received another envelope a few days later with the exact paperwork but this time with my ex-wife's name included, which she never signed anything on my refinance in 2008.

I faxed in with my account number, my quitclaim deed and it was added to my account information. I receive another envelope September 29, 2010 with the identical paperwork as the first. I signed it. I found another notary attached, another check and send it in. I just got a letter dated 10/11/2010, saying I was rejected from the loan modification program for not sending in the paperwork. The checks they cashed were attached to the documents that were sent to GMAC.

They got the checks okay, but now no one can find the paperwork and the person in the loss mitigation dept it was sent to. I cannot be connected to her extension number, Jaylin **, because she does not have a phone. What I have to do now is re-file everything all over again according to the two supervisors I spoke to.

Here's an article from the president of GMAC on how client relation are so important along with responsible servicing, **. I was offered an apology from the supervisor, and my reply was if I don't pay my mortgage a sorry isn't sufficient for you to credit my account. Any help from anyone would be greatly appreciated at this point.

My original loan was with Ditech, which changed to GMAC. In my home for 9+ years, I have been trying to arrange a modification with GMAC for 3 tortuous years now. I have spent close to $2000 on faxing, and the phone calls are beyond frustrating.

They severely lack English speaking employees, the answers are scripted, and the process is intolerable. Having faxed them mounds of requested paperwork on approximately 25-35 occasions, not once have they conceded receiving all of them, even though the confirmation indicated all had been received. If I called three times in one day, I would receive three different answers to the same question.

After three years of agony and unexplained and ludicrous roadblocks to any satisfaction,I encountered my 'last straw'. Two weeks ago, I called to inquire about the latest pending possible modification. They informed me it had expired, as they claimed they had been missing one item. I knew I had faxed every item meticulously, twice, with confirmation.

I asked to speak with a 'supervisor' and got the same answer, same script. I do not believe there are any supervisors at GMAC; they are out playing golf. The company is one huge boiler room, mainly in locations outside of the US. After the initial shock, depression, and vehement anger, I pulled myself together and drew up a 'furious fax'.

I wrote, in very thick black marker, all in caps:

"You did not notify me that my profit/loss statement was missing. I faxed it to you .That is illegal. My modification application has not expired. I have sent you paperwork for three years! How dare you? GMAC is at fault here! You have lost so much of my paperwork; it is a constant problem with you. Confusion and lack of organization at GMAC are at fault here! Not me! Please let me know you received this."

Another page read: "Please do not lose this correspondence, as you have done so many times." 3 days later, I received a 'sweet as butter' phone call from them, telling me they had 'pulled some strings', and reinstated my application.

At this point, anything could happen. So I have no realistic hopes of any productive response from them, in all honesty. I have been lied to, ignored,been told 4 different stories and explanations on the same day, not been properly informed, and generally been treated as less than human, if you will. I have never missed a payment and have never been late.

I have a second with SLS, a division of Mellon Bank, which is a 'class act'. The callers are extremely bright, informative, and well spoken; they call to inform me of progress, and there is no 'switching' lines to other departments. It is a pleasure to deal with them. That loan was sold to them by GMAC, without my knowledge. I truly hope that all the citizens that have been treated in this appalling manner by this GMAC 'monster', will band together and fight this.

My experience with GMAC mortgage is not good. First thing that happened with them was that they did not pay my taxes which were supposed to be worked into my mortgage. We kept getting letters and notifications that it was not paid. We called them and they said it was paid and it was not. We got calls from friends and family that our home was in the local paper up for tax auction. After about 10 phone calls, it was taken cared of and they paid all the penalties and interest.

Then about 20 months ago my husband and I applied for a mortgage modification because my husband was notified of reduced hours on one of his jobs and let go on another. We were so excited when we were notified that we had trial payments of about $1000 less than we were paying. After the 3 months of trial payments, we kept calling them and asking what to do. The answer was"keep making those trial payments."

We have been making them every month and have never missed a payment. We then got knock out the door to deliver letters from them that we are in default of the loan and they will be putting the home for foreclosure. We called Customer Service (Please) and they said we see it is going through modification do not worry about that. Ok then we get calls that we are in default. We keep calling and say what do we do. Every time it was just keep making the trial payment.

After a year of this, we give a call and it says it slipped through the cracks and it will be escalated. We were given to a supervisor and then told they will personally handle it. This whole thing went back and forth for a few months. Then we get another letter that we need to give them $24,000 in 30 days or the house will go into foreclosure. So they said we can give the half and they had half on account. So we needed to give them $6000. We paid that and still no response to the modification.

We get a letter that they do not have all the paperwork needed. We have faxed pay stubs, bank statements and tax information (37 pages) 4 times. Then in the meantime, my husband picked up another part time job and we sent the check stubs and they said we were originally disclosing information because we did not tell them that. We tried to explain he got that job in the middle and they did not care. Ok, so my husband works all different hours and all different days. We fill out a financial analysis form and were told we need to get more income. Hello that is the reason for the modification. Then when I called someone else, they told me that we filled out the form wrong send a new form.

We then refilled out the form because that was all they needed. We then got a letter that the information is not complete, they need income proof. We then sent income proof and they said we do not have the form. Ok please. Then they said, they sent us a letter telling us that we are breach of contract. We did not receive this current letter. I asked to fax, response: We do not fax. I asked to Email, response: we do not email. I then asked to resend response: we have no control of the postal system and cannot resend. What is that you want to foreclose on my house and I cannot get a copy of the letter? Then we make another large payment. At this time, I contacted the corp office. Got a name and number and faxed paperwork to her. She called back and said they got the paperwork and never heard from her again. Called and left 3 messages. Still have not heard back. We, the other day get another letter for breach of contract.

I said please have a supervisor call me back within 2 hours. We do get a call back and she says to set that letter aside on all this and just be patient. So we are now waiting ... to be continued. In result, if they would have made up their mind about the modification in 3 months, we may have found a way to pay back the difference for 3 months. Now that it took 20 months, they want us to come up with that in 30 days.

Are they kidding? Also they keep looking at my husbands 2 pay stubs we send and are basing the changes on that. I even sent them a letter explaining his income and you cannot look month to month you have to look at YTD gross and divide my 9 and come up with a monthly from Jan to Sept. How stupid can these people be? I can tell you this is our first home and it is the last time we will ever deal with GMAC mortgage. So much for family time, most of my non working family time has been spent on the phone fighting with GMAC.

Upon speaking with your customer service department of a recent letter my wife and I received from your company, we had learned you company practices are not only rude but unlawful practices. We were informed our escrow account for out taxes was going to be short some 600.00 dollars and that again GMAC was going to raise our mortgage payment yet again to the point of making our mortgage unaffordable for us. When asked how they came up with this figure we were told repeatedly that GMAC had received the tax bill from the town and our tax authority. Upon asking your representative for a copy of this supposed tax bill, we were again informed GMAC does not provide their customers with their tax bills.

Well if this is indeed the case not only is it unlawful but provides GMAC and their parent company a way to indeed drive people out of their homes without proving anything in increased suppose taxes to increase their mortgages. This is not the first time GMAC has practiced this on our account, three times we have received letter stating we were short in our escrow account for our property taxes and this latest one we have not paid at this point and will not until we learn as to where this supposed tax increase has come from, also we would like to know where the other two supposed tax increases came from since upon checking with our local tax authority we learned not only did our taxes not increase as stated by GMAC, but in fact had decreased over the last two years; in other words our taxes have actually gone down yet GMAC has increased our taxes. How is this possible?

Secondly, upon our contacting our tax authority whom you cleared stated you had a bill from, they have not sent you any such bill and our taxes are actually set to go down again. Please explain your actions and your unlawful way of doing business, the fact you can treat your customers with no respect, like they are just a number not people, provide complete and total disinformation to them makes us wonder why there has never been a congressional investigation into the day to day affairs of your company.

Finally, and in closing we are informing GMAC we have contacted the FTC, the Attorney General's Office and the New Hampshire Banking Commission and have filed a formal complaint against GMAC for in our eyes is fraud, the appropriate authorities with decide if these practices with your company is practicing is unlawful or not. Not only has GMAC not received a tax bill from our local tax authority but they have lied to us repeatedly over the course of several years, we would like to know where the excess tax monies we have sent to GMAC have gone, since they were not now and never have been used for tax increases. Our tax authority has provided us with a letter stating clearly you do not have any such bill from them at this time, and shows clearly how rude your company is, since you treated them like you do your day to day customers.

Our nightmare started in 2008 when both my husband and I lost our jobs-one to downsizing and the other to position being eliminated. We immediately contacted GMAC to see what we needed to do for a loan modification. They sent us a package and we immediately filled it all out, sent copies of tax returns, last pay stubs, ect. After sending all of this information back, we didn't receive a call. Letters started to arrive that they were missing our financial information, so we sent it again. This process was repeated no less than four times.

I began calling and trying to speak to whomever was handling out case in January 2009. After months of getting no where, we contacted a HUD approved negotiated in Grand Rapids. She was able to directly call someone, but at this time nothing more was done. We spent months trying to get the case to move, then finally they lowered our house payment from 1900 to 1300 thinking that this would help us. We were able- by the grace of dog- to make these payments. But, we then found out that this was only temporary for 6 months.

Once the six months were over, the payments reverted back to the original amount. Being frustrated, we offered to put the house up for sale on a short sale and got GMAC to agree. By this time a credit card company had put a lien on the house. We then received an offer on the house of 120,000. but since there was a lien on the house, GMAC said they had to have 135K and the potential buyer agreed. But, GMAC didn't move on the offer for over six months.

At this point, I was re-employed, but I took a significant cut in pay and we were in financial trouble and after much debate decided to file bankruptcy in January of 2010. We figured this would get the lien off the house so it could also be sold. GMAC filed a lift of stay and we didn't object think at that time they were still working on the sale. The potential buyer left because too much time had passed.

Due to the bankruptcy, we let the house go back to GMAC and on May 6th, 2010 it was sold. We moved and in August I received a call from a Boyd ** from GMAC wanting to know if we would interested in putting the house up for sale on a short sale. Needless to say, he was probably not too happy to get me on the other end of the phone call. I explained our dealings to that point and how they had botched in last year, but thought why not. Couldn't hurt our credit anymore...right!

We again sent the requested information along with the sale contract to Boyd. Within a week we received an offer on the house. We sent the offer to Boyd stating that we had 10 days to reply, either counter or except the offer because it was a cash offer. Five days went by and Boyd had not responded to our e-mail, my realtors phones, our phone calls. Nothing. I called and asked to speak to him but only got his voice mail.

On October 12th, I requested that his Supervisor call me and was told I would receive a call that day. Guess what, no call. I called on the October 15th and talked to Brook who was the supervisor of the customer service department and was told that she couldn't get me anyone to help, but she would make sure that she e-mailed Boyd's supervisor and have them call me. I leave home and get a call from James who works in the same department as Boyd and explains that Boyd was transferred to another department more than a week ago and that he is now in charge of our case. He realizes that he has a cash offer on the table but needs me to resend all of my information including the original paperwork I sent to Boyd.

I drive back home but talk to my realtor on the way and give him the direct dial number that James gave me. Before I get all of the way home my realtor calls me back and states that he talked to James and he found all of the paperwork and should be able to get this to a negotiator by Monday the 18th. That's where we are today. I would recommend that if you are sold, assigned, make an original loan with GMAC., run and run fast! The most irresponsible, disorganized, totally ** up company I have ever had to deal with in my life!

GMAC Mortgage group is a joke and they are scam artists. I do not understand how they can still be in business after all the complaints already filed. I did not want them to attain my loan but as soon asIi signed on my house, lo and behold who snatched my loan out of the pile, but GMAC.

I signed on September 11th 2008 and being a first time home buyer I was overjoyed until I got my first bill, almost $100 more than was already told to us that it would be. It stated that I had not purchased one of the insurances that I was supposed to have and that I had to have it so they are providing it for this fee.

Dumbfounded, I called my broker immediately and he reassured me I did indeed have that insurance. So he and I both called the customer service number on the bill, only to speak with someone that argued the fact that I didn't have it and he couldn't take the 100 extra off of my bill. (my broker had no luck in speaking with anyone, they refused him any access to anyone that could help). That, in itself was a hair-pulling experience that I dread doing now but seems to be a normal thing to have to do with every single bill I get now.

For the first 5 months, I was still charged that $100 and late fees that accrued until it was finally handled and how, I will never know except my fierce anger in every single phone call I made and the refusal to be put on hold for over an hour each time! I have tried for 2 years to have my house refinanced in hopes of getting away from the swindling crooked people with no luck. In July of this year, my brother shot and killed himself living 2 states away. I had to miss 2 weeks of work and do every bit of planning for his memorial plus pack and move his belongings from his apartment! When I called to ask for a forbearance on our payment for 1 month, 1 month, I was denied. I asked if there was a grievance I could file or anything that I could do to push one payment to the end of all my payments because of the unexpected tragedy my family had just faced. Of course, I got none!

On top of that, my payments are due on the 1st. With the happenings, they are not getting paid until the end of the month. I informed them that my payments would now be late and they would get their late payment with it and I even asked if I could change my payment date. I was told I could but of course, it was never addressed or my call ticket was never received as they love to say. Now, they proceed to call me at work daily, my boss at work weekly and my cell phone occasionally in "efforts to collect a debt"! Why?! Why would you call it a debt when the month is not over and it is a payment you are in search of not a flippin debt!

Plus, they have turned my work number over to the companies that "can help you lower your interest rate but this is only for those homeowners that are behind in payments or are in foreclosure" I am not behind in payments. I am beyond patience with this crooked company. Is there anything I or anyone else can do to get this place shut down? Stopped? Under new management? Something! Anything! I have not listed all of the complaints I have with them because it would take more time than I care to continue speaking of such a vile and scandalous company!

We are two months behind on our mortgage payments and have carefully explained to GMAC Mortgage representatives that we will be caught up by the end of November and on what date the next payment will be made. I have called them and they have called me.

Since I handle our family finances, I am the one that talks to the representatives. When they call or when I call GMAC, I am told something different by every representative that I talk to which prompted me to start recording all phone calls between me and GMAC Mortgage representatives. Today (10/13//10) I received a call from Nicole at GMAC Mortgage. When she stated that the phone call may be recorded for quality assurance, I informed her that I was also recording the call even though I live in Oregon, a one-party state. She immediately informed me that customers are not allowed to record calls with GMAC representatives. I told her that I am allowed to record the call as long as I informed her that I am recording it. She told me that I would have to call them back and terminated the call.

I find it very strange that GMAC can record both sides of a telephone conversation after informing the other party that the call is being recorded, but customers aren't "allowed" to record calls with GMAC representatives even though they follow the law when doing so?

I have to wonder what GMAC is hiding. There is no wording of any kind in our home purchase contract that says that phone calls between us and GMAC Mortgage representatives are not allowed to be recorded, and I know that I can record the phone calls as long as I inform the other party just as GMAC can. If GMAC Mortgage is actually trying to "disallow" homeowners from recording phone calls with their representatives, I would really like to see where this is written and be provided with a copy of it for my records. This is obviously something internal that is meant to hide how customers are treated. I didn't get to let the representative know the date of our next payment so that she could note our account, which might result in GMAC calling repeatedly.

I will give you a quick overview of our history with GMAC mortgage because we have had issues since 2005. Due to loss of wages, we became behind on our payments. GMAC, of course, would not allow partial payments. We became behind on our payments so they filed foreclosure against us, which added immense legal fees to what we had already owed.

I called several times to see if anything had been done only to be told that they had a very large work load and they would be in touch with me. That finally happened in February of 2006 only to be told that they could not help and the foreclosure would proceed. I withdrew my $401k to have the money to file Chapter 13 (I did not know that I had access to that money until it was too late). It was dismissed because we could not afford the payment that was required.

On the day the sheriff's sale was to take place, a GMAC rep called saying, "We found out that we could help you. But oh, well, I see here that you already filed for bankruptcy." What a slap in the face! I began working on my own with no help from an attorney with GMAC for a loan modification. We received the paperwork in March 2008 which was to be signed, notarized and returned with a contribution payment of $550.00 by March 23rd. The papers stated that our payments would begin on April 26th.

On April 9th, I received a collection call saying that our March 27th payment was past due. I called them and was on the phone for two and a half hours. I talked to 12 different people with the last one telling me that the modification was keyed in the computer wrong and they would review it for a correction--and to call back in a week. I asked if they could call me and they told me no.

Also, during all this time, they were foreign-accented people and very hard to understand at times. So, I called every week from April to July and I was being told the same thing every time. I started sending payments toward the modification, only to find out that none of it was applied to the modification (when I received a new set of papers for a modification to be signed and notarized again with another contribution payment). The payments were higher than our original payments of our loan.

How was that to help us? We kept up with the payments for a while but in December of 2009, my husband went from working 60 hours a week to 48 hours a week, losing approximately $400.00 a month in income. Also, he has not been able to work since July 2010 due to medical issues. So we have fallen behind again, which led me to file modification papers again. They kept saying that I needed papers which I complied with. Then, I received a letter stating it was being reviewed. Afterwards, I got a call saying that I would have to fill them out again because the payroll information in the original paperwork was too old. I refiled everything out and faxed them on Thursday, October 7.

I called today to see if they had received them. I had to sit and listen to the same information that they give you every time. Then, I was asked, "Can you pay this today?" And when I said no and that I was checking about my modification papers, the person I spoke with asked me again if I could make a payment. And when I again said no, she told me that the papers were not received until today, October 11. They were faxed! I understand if it had been Friday but it was Thursday. This is basically the tip of the iceberg, but hopefully you'll see what we have been through. Thanks for you time.

Buyer Beware! If you find out GMAC buys your mortgage, run as fast as you can to another lender.

On June 16th of this year, a tornado and severe hail storm hit Billings. This resulted in many homes being damaged and many like myself had to get a new roof and gutters. My homeowners insurance is with State Farm. They had their adjuster out and made payments promptly. The checks from State Farm were made out to me and GMAC. This is where the nightmare begins. The work on my roof was completed on 9-16-10; it is 10-8-10 and I am still trying to get GMAC to release funds so I can pay my contractor. Actually, I am on hold yet again at 33 minutes and counting. I have spent many hours on hold with them.

Each time I call, I am told something different and always need just one more thing. Finally,I got someone on the phone who actually offered to call the insurance company, tell them what was needed and had it faxed over. Oh relief, I was told to allow 24 hours to review and that should be it once again. I was so excited I even left a message of my compliments to this person who went the extra mile to help me bring this nightmare to an end.

My contractor called bright and early this morning to check on the status of the $9200 owed to him. He has bills he has to pay too. I call GMAC to once again hear the same old song and dance. I ended up with yet another supervisor who told me the same thing. I told them what I was told several days again and asked them to call State Farm to get what was needed. She did and just now tells me it is being faxed to GMAC once again and to allow 72 hours for review.

In customer service 101, I learned that you don't keep passing the customer along to yet someone else. You take it, you follow until it is finished. GMAC must train their employees to aggravate and hold their customers in limbo as long as possible. My roofing contractor tells me that GMAC is the worst; he has other clients going through the same thing. My house has been sold and due to close on 10-29-10. Just what anyone wants to hear right before moving, "oh, you need a new roof and gutters." I have been going through this process for almost 4 months now. I wish I would have just left the house to foreclosure and let GMAC handle it. Something has got to be done about these companies. Are they so hard up that $9,000 keeps them afloat? I think not. If enough people complain maybe something will change. Until the mortgage companies can help their mortgage holders they should not receive a dime of bailout money. Now I have to call my contractor to tell him again that I don't have the money owed to him, how embarrassing!

My husband and I moved to Flagstaff, AZ and bought a house. We were with Homecomings which was later sold to GMAC mortgage. There was a stark difference in the professionalism and availability for someone to answer what ever questions we had. In a nut shell, my husbands' company downsized and he lost his job. We got behind and since we had never been late we were sincerely stressed out! We called and they said they could not help us unless we were three months late. We struggled and struggled until we were two months late and were recommended to hold off on the 3rd so that we could qualify for modification. OK, we also own a home in Montana.

I don't give up. So whatever they asked for I would, fax, fax, and fax. Finally, we got a call that we were approved. Yippee! We were so excited! I came home and saw a Fedex package on the door step! This must be it. I opened it on the 21st and it is to be turned in on the 21st. Hmmm. It also says if you are not able to send this on the due date, please call and notify us. I called immediately because I know how this works by now.

The papers had to be notarized and my husband was out of town. I let them know, about 5 different times to be sure that it was clear I am sending the papers. "No problem, just be sure to have it in the end of the month." OK. Husband got home on the 27th and sent the papers out first thing in the morning on the 28th along with my first month's payment. I called 5 more times just to be sure they knew I sent it out.

I receive a call on the 4th of October that I was declined. Papers were never received! I was about to fell apart into the billion trillion pieces that I am made up of! She couldn't answer my questions. She knew nothing about papers to be sent in, etc. Eventually, they transferred me to another department. I was on the phone from 9:30 to 12:30 and never got to speak to any "manager' or anyone that could help.

Then after the tenth call or so, one of the customer service folks said, "Oh, yes, your papers did come in. They are at the Idaho FedEx office." I used the return label that was provided. I calmly said, "Say that again." Yes, there my paper work was, they received it on the 29th but he said it was clearly due on the 28th! Since then the 24-48 manager call never came, so when I called they said a manager already spoke with me.

I about lost my everythingness right there. Here I am anticipating a call from the manager and they say I already spoke with one on the day I called in to discuss this entire matter and no one is calling me back. OK. So, I have 10 days before my house is up for sale. I just sent all of my paper work in again in hopes that it will land on somebody's lap. I mean, my husband has found a great job since then and I graduated and am working full time. We have doubled our income and can afford our payments. So how could there be nothing for me to do?

I have had a really bad experience with them for over 10 years. When I first got my loan with GMAC after transferring from Wells Fargo, I was told that I had to combine my other debts even though I didn't want to. Then a few years later, I was approved for a rate reduction and a Line of Credit and once again I had to combine my other debts. So the bottom line is I refinanced 3 times with this company and now that I am 2 1/2 months behind on my payment. They are not willing to work with because I have a loan modification last year and I filed BK and it has been discarded. They send me a letter telling me to contact them so that "we can discuss options & determine how we can best help you."

When I contacted Chichi at 1800 850-4622 to setup an automatic payment as I have done the past 5 months, she told me that they need 1 1/2 payment. I informed her that I am unable to give her that amount. Since I know that she wasn't able to assist me, I kindly asked for a manager since I had the same problem last month and the manager took my payment. Yes, it cleared my account like all the rest. Mr. Cooper came on the phone; I had to repeat everything over. He told me to apply for a modification and I informed him that I had twice & I was denied. So he said there is nothing he can do. After that, he told me to hold so that he could read the comments on the system. He would not tell me what the comments were. This is bad business, GMAC.

I got divorced in 2001. Provident Bank was the mortgage lender. I had two houses with them. My ex got one. I got one, the residence we had lived in. He didn't pay after divorce for his and PNC came after me. I waived my money settlement to get him to sign quit. He claimed that he signed. I tried to make both payments on both houses. I got behind. His house had been gutted. My father and I redid his house. My father helped me pay and did a short sale with PNC on his house. The six or seven thousand dollars left over was to go on my mortgage and they sold my mortgage that day to GMAC Mortgage. That money is just out there somewhere.

I was forced to file chapter 13, which the attorney told me to when PNC was after me to pay his mortgage. I was so naive. I paid $1661 every month to the courts. It was wage deducted. After the bankruptcy, I owed GMAC more than when I started. And I now have been paying different payments in three month rounds four different times. Then, they told they didn't do Obama's refinance or modification and they would be raising my mortgage to $1087.17 for three months to do a different modification.

I have paid those three payments and not a word. I am filing with the Attorney General's office today. This is crazy and I am stressed and got ulcer. I am being told to just walk away by others and start over. I wasn't taught to walk away nor can I afford to now. I will lose everything I have paid all these years. I feel all having issues unresolved with their mortgage should be calling senators, state reps, and attorney generals of their states and maybe we will be heard together. Why doesn't just one legit bank stand up and offer us a good rate on a convenience loan? Please email me at **.

I became disabled in April 2010 and had to resign from my nursing job. I now live on SS disability. It became difficult and then impossible to continue paying my mortgage.

I began calling in September since I had heard nothing and they said that they needed my last 2 bank statements. I knew that I had faxed them, but did so again. I called the next day and they said they needed my last bank statement. I sent it already! I was repeatedly told by "Christina" that I needed to send the last statement and the "turn around time" would be 10-15days. By this time, they started calling me for payments and I started seeing my physician because I am ill and I believe that this process has a big part in my not feeling well.

The people that are employed with GMAC are so unprofessional and sound like they are reading the information that they give. They have spoken to me as if I were a child. I ask to speak with a supervisor. Huh! That's like asking to speak with God. They put me on hold for 3-5 minutes until they find someone and then the "supervisor" tells me absolutely nothing more than the ** I spoke with prior.

Every time I called, up until 2 days ago, they asked for my latest bank statement. Then "Bobby" said I could fax it directly to him, which I did. Yesterday, I was told that my account is in "calculation." What? The woman told me to call back today or on Monday. I called today and had the pleasure of getting Christina again (having palpitations right now). She again told me that the "turnaround time is 10-15 days. If this process is not completed by the end of this month, my home will be facing foreclosure. Is this the help that our president has given us?

GMAC is destroying my credit and my credibility. They are making me physically ill. My 6-year old granddaughter lives in my home with my daughter who works two jobs (to pay expenses). My granddaughter has had two open heart surgeries. I pray that we are not put out of our home

My story is pretty much the same as the other complaints here. I purchased my condo in 2004 with a 2-year fixed of about 8%. Once the ARM kicked in, my interest went up to just shy of 13%. I struggled to pay and saw my reserve money vanish over the years. In late 2008, I called and inquired about refinancing to lower my interest rate. No one else would do so because of how upside down I was. I was told that after a year of good payments, I could refinance with them and to call back in Jan 2009. I called back in January 2009 to inquire about refinancing and was told that I was too upside down to qualify. I then asked about a loan modification and was told that they were not currently doing them.

When the government announced its program for loan mods, I called GMAC. The man I spoke to took my information and said they would send me the information. Later that month, I tried to make my usual phone payment but was unable to do so. I tried an online payment, with no success as well. I called them because I did not want a late payment on my credit score. I was told that since I applied for the loan modification, I could not make regular payments and they would contact me with more information once they know how they would conduct the new loan mod program. After several more weeks of getting no information, I spent hours trying to get someone to talk to me. At one point, I managed to get someone and was told to make 2 good faith payments on the specified dates. I followed their instructions and still did not receive any loan mod paperwork.

I called them back in May 2009 and had the same phone issues. Hours on hold day after day to talk to someone (their hold music sucks by the way) and finally, I got someone to tell me what was going on. I told them I never received any paperwork for the loan mod so they reset the the whole process and I had to make 2 more good faith payments to them and return the paperwork. In late May, I received some paperwork regarding the loan mod and it stated it needed to be notarized and sent to them with my signature. There was no line to sign it, so I just signed above the notary. After not hearing back from them, I called back in July and spoke to the one competent person there. She looked over my case and agreed that I was not able to receive the loan modification because they had never sent me the correct paperwork for it. I now knew it was a large package I would be looking for. She reset the loan mod for me and 2 more good faith payments were scheduled.

When I received the loan mod application, I sent it in to them and never heard back. I called again in Sept 2009 and was told that they were redoing the process and would need to reapply for a loan modification, with 2 more good faith payments. Finally, it worked. I received my loan modification at 9.9%, which amounted to every cent they could get out of me after my other expenses. I called them to ask why the rate was so high and got no solid explanation. I finally asked them if that was the best they can do or will do. The guy said that was the best they will do. My only other option was to pay them all the missing payments for the year. So I signed it and sent it off to them. It was also at this time, I inquired why I was being reported for late payments on my credit report when I was following their instructions. I was told that I should have been making regular payments to avoid it. I told them that I was unable to make regular payments because they disabled my ability to make them. The response was a simple "I should have been making them" --catch-22.

So, they took up a lot of my time, crushed my credit, boosted my principal, increased my stress to levels I never thought possible and trapped me into a 9.9% fixed rate. Oh, and to add insult to injury, I received my last ARM statement before the loan mod took effect. My new ARM rate, had I not done anything but make regular payments and skip the loan mod process, would have been 9.75%. What a joke.

The Home Loan Modification Program is a farce. I was in the program for 12 months and never was late. I even made an extra payment during that time. After the 12 month period, I was put on another three-month trial period. After submitting my paper work, they told me I was denied because I did not make enough money.

When I found out that I was denied, I called them and told them I would hire a lawyer. My brother was going to give me the $20k to bring my account up to date. It took me about two weeks to get everything together, two days before I was going to bring my account up to date. I get a letter on my door saying my home was sold. I called to complain and she was so rude to me telling me that I did not resubmit my paperwork. I had about $80k in equity and now it is all gone thanks to GMAC.

Everyone who I ever talked to about the home loan mod program have been denied! I am wondering if I can sue them for the loss of equity since I have done everything they wanted me to do. I really think they do not approve anyone who needs the mod workout.

We attempted to purchase a foreclosed property from GMAC, and even though we were pre-approved through a local bank, putting 20% down, offered more than the asking price, and even offered to purchase in cash, Mr. ** said he had to qualify us for his loan even though we didn't want his loan. He tried to sell me to purchase through him, and when we declined to do so, he declined to qualify us to purchase the house in any manner. Without his approval, the selling agent is not allowed to sell the house. Mr. ** appears to be attempting to make sales commissions on public listed properties and then withdrawing the sale if he doesn't get to make the loan and thus get the commission! This is bait and switch tactics and should not be allowed by a government owned entity nor should the public be treated with such manipulation for personal gain.

As a result of this failure to complete the loan, we were denied the house and the ability to purchase and required to see other housing accommodations. While I can appreciate that GMAC Mortgage company owns the home, they have it listed with lots of agencies in the Charleston area and nothing indicates that you have to get a loan through GMAC to purchase the home. If this is a legitimate offer, then we should be able to use whatever bank we qualify with, and at worse case, even purchase for cash.

Mr. ** last words were "Good Luck" in reference to trying to purchase this home without him getting the deal.

The GMAC credit-reporting department continues to report inaccurately to Equifax, Experian and Transunion. My car and home mortgages are both paid off and closed. They continue to report that they are still open and that they are in bankruptcy. Both loans had a reaffirmation of debt agreement and payments were never late. I have tried several times to get this corrected and they don't correct the error.

They will not accept our payments, we (at the time) were 2 months behind. My husband called one day and tried to make a full month payment and the person not in America said, "No, you must pay both months now." So my husband called back 2 weeks later with the ability to pay 2 full months. They said "No, you're now in foreclosure." This was the beginning in June, then July, August and today, 9/23/2010. I have filed 3 complaints with the GMAC corporate office and also with the BBB as of today!

My husband has a 401K that will cut a check in 24 hours as long as we can provide a letter from GMAC showing we are in foreclosure and when the house is being sold and the exact dollar amount to get caught up. No one will send us anything. We keep getting the same story, 24-48 business hours and you will receive it via fax. It's been 2 1/2 months.

Our house is being auctioned on 10/26/2010! We have received 11 (eleven) certified and non certified letters from some company called "ETI" saying nothing about GMAC. But yet they are advising us we have until 10/26/2010 and then we are out. We have private mortgage insurance insurance and they have been attempting to help, but it seems as though they are getting the same problem. Other than a company called "ETI", we have no proof that we are in foreclosure in writing. GMAC's off shore reps tell us every day that we are but we cannot prove it to our 401K to get the money due to GMAC as they are not confirming it under their name and in writing.

I began addressing GMAC in March 2010 for a loan modification for my existing residential mortgage since my employer did not give me my employment wage earned for 3 months. I immediately found another job, however, the mortgage on my home plus the amount I was not able to pay previously became unaffordable. I provided the information required for an Afford Home Loan Modification and paid my payments as requested to GMAC. GMAC continually delayed the process until the third month of the payment process for the Afford Home Loan Modification.

I have gone through the same rigors as every other blogger against GMAC online. GMAC is ruthless, calculating and negligent in their efforts to resolve financial matters with consumers all the while extorting penalty and interest and destroying consumers credit while portraying to work with them on loan modifications. It should be criminal what they are doing under the pretense of working with hopeful consumers.

I have been lied to and GMAC customer service agents hung up on me when I informed them that I was recording the call. They argue that it is against company policy and hang up. GMAC has made repeated errors in evaluating my financial position and has never addressed the facts in determining a loan modification, or any other workout for my home mortgage. Worst of all, they've refused over the past three months to accept any payment toward my mortgage balance because I am behind after making 3 reduced payments against my mortgage with good faith that they were working to evaluate loan modification. I believe they deliberately delayed the process to their own gain.

I cannot afford to have an attorney to get involved with this matter. However, GMAC has wronged not only me, but many others. Read the comments about GMAC and how they are treating consumers. At least they appear not to be discriminating as they treat everyone with the same disrespect.

On August 25, 2005, I refinanced my mortgage with Equifirst Corporation for the principal sum of $88,800.00. The loan was an ARM (Adjustable Rate Mortgage). I did not learn that it was an adjustable rate until closing. By that time, I had no choice but to accept the loan as offered or stand a chance of losing my home. For the following two years or until October of 2008, all mortgage payments were made each and every month and was never late. In October 2008, I suffered a hardship when the mortgage industry fell apart. I am self employed as a Certified Notary Signing Agent and my income is derived from closing loans for mortgage companies.

My income was less than half and I was struggling to meet the 9.6% interest rate payment. I wrote a letter to Homecomings requesting that my loan be modified to a lower fixed interest rate so that I could continue to make payments and remain in my home. For two months I struggled with trying to get my loan modified. Each time I called Homecomings I was forced to speak with someone that knew nothing about my loan or current situation. In January 2009, I realized that Homecomings was not going to work with me to modify my loan. I contacted First Universal Lending, LLC, a company that advertised they would help get my loan modified. I was assigned to a contact person by the name of Susan **. Susan ** explained to me that the only way I would qualify for a loan modification was if I was at least three months behind in my payments. She told me that I should start paying her company $400.00 per month so that she could work directly with my mortgage company to get my loan modified.

In January 2009, I was served a petition for foreclosure. I immediately contacted Susan ** and sent her a copy of the petition. Susan contacted Homecomings and in February 2009, I was placed on a Foreclosure Repayment Agreement with Homecomings, which stated that I was to make payments in the amount of $735.00 for three consecutive months and at the end of the three months that my loan would be modified to a lower fixed rate. I made each of those payments as agreed. In April 2009, after making the three consecutive payments, I was sent a letter stating that my loan had been sent to an attorney to begin foreclosure proceedings.

I was amazed. I immediately contacted Homecomings and spoke with a person named Tara. Tara explained to me that this letter was an error and that because of the new Home Affordable Modification program, which is part of the initiative announced by President Obama to help homeowners she would terminate the foreclosure proceedings and send me a new repayment agreement. My payments on this repayment agreement were adjusted to $728.50 per month for three months. Each of those payments were made as agreed. On June 2009, Homecomings was sold to GMAC Mortgage, LLC. At the end of July 2009, I sent my payment for August and it was returned to me stating that the amount was not enough to reinstate my loan.

The letter also stated that my account had been transferred to an attorney to begin foreclosure proceedings. Once again I contacted Homecomings and was told that I would be placed on another three month repayment agreement. They stated that my new payment would be approximately $775.00 per month. I never received the paperwork for that agreement, instead I received a packet asking for my income status, my profit and loss statement, etc. I completed the packet and returned it to Homecomings on August 1, 2009.

I waited to hear from Homecomings (now GMAC) and on October 19, 2009, I received a letter from GMAC stating that my packet had not been received. I called and spoke with Tim. He said he can't give me his family name as he was not allowed to do so, but that his Employee ID number was **. Tim asked me to resend my Profit and Loss for the last two months. He assured me that he would be my contact person and that he would get my information and personally assist me with my problem. I faxed the Profit and Loss Statement to him directly while he was on the phone with me. On October 25, 2009, I still had not heard from GMAC. I called and spoke with Blake.

Blake stated that now they needed six months year to date Profit and Loss Statement and a short paragraph stating the reason for my hardship. Blake told me to fax the information directly to him and wait 48 hours before calling him back. He explained that it would take 48 hours before he could access the faxed information on his computer, but that he would personally make sure my information was received and he would assist me with my modification. I immediately called my accountant and had her prepare a new Profit and Loss Statement. The first part of November 2009, I received a letter from the attorney in Oklahoma City with a Motion for Summary Judgment attached. The letter stated that the Motion for Summary Judgment was set for hearing on December 14, 2009 at 11:30 a.m.

In the meantime, I was placed on yet another Modification Agreement dated December 2009. My payments were to be in the amount of $654.78. I made each and every payment as agreed. In March 2010 I received a letter stating that my modification had been denied because I did not make enough income. The letter did not state what I was to do next or what my new payment should be. I continued to make payments of $654.78 as agreed. GMAC Mortgage, LLC continued to accept these payments.

In August 2009, I realized that I was probably not going to get a loan modification and that my ARM had never adjusted downward, only continued to remain at 9.6% even though interest rates had dropped significantly, I decided to check my credit score to determine if possibly I could go for refinancing. When I checked my score I discovered that GMAC was reporting me being $20,574 delinquent as of July 2010. I considered this extremely inaccurate because I had made each and every payment as agreed. The credit report stated that my home was in foreclosure status as of July 2010. It also reflected the balance on my loan to be $98,651.00, over $10,000 more than the original note even though I had been making payments as agreed and they had accepted each payment. I discovered that I had not received credit for any of the money I had been sending. I immediately disputed the inaccurate credit report.

In just a few days GMAC returned $300.00 of the $654.78 August payment I had sent, stating that this was not enough to reinstate my mortgage. I called the HOPE Hotline in an effort to get my situation on track. Counselor Kenny ** was finally able to get through to the loss mitigation department and we spoke to someone who said it looked like my file was very extensive and that she would transfer it to a supervisor. I asked her where my money had been credited and she could not answer that question. She said I had credit in the amount of $3,281.49. I asked where that came from and why did I have a credit if GMAC was showing my account to be $20,574 delinquent.

She could not answer the question. On August 25, 2010, I received a letter with a check in the amount of $3,281.49. The letter stated the amount represented three of eighteen installments due at this time. It said my account is due for 3/01/2009. This makes absolutely no sense to me. I am so confused as to what I should do next. I do not know how much my payment should be or even if I will get credit if I send a payment. On September 1, 2010, I called the number listed on the bottom of the letter and spoke with a person named ____, Employee ID #__. She told me that my account had been escalated to a supervisor and that I should be hearing from them either that day or the next.

She stated that if I did not hear from them by September 3rd to call back. Needless to say, they did not call. On September 8, 2010, I tried to call the number again and was placed on hold for twenty minutes. My credit is so damaged by the inaccuracies on my credit report that there is no way I could ever go for refinancing. GMAC Mortgage refuses to help me get to the bottom of this horror story. I have been in my home for 24 years and have no intention of losing it. I have the income and have shown that I am able to make the payments. I just cannot get anyone with any authority to assist me. Do you have any suggestions?

In October 2009, I received a bill for underage in my escrow account and as always I have paid the amount owed. Only this time, I was out of town so my son paid it, but mistakenly sent it to the wrong office, I was not notified by GMAC until June 2010 when they attached these late charges to my account. I got it straighten out but they are still putting charges as other on my statement and when I call them they can't explain the charges to me, I paid them one time but I am retired and on a fixed income and cannot afford to just give them money without an explanation of why I owe it even after the problem was supposed to be resolved about the underage of my escrow account.

They still increase my monthly payments from 768.00 to 774.00. Help me. Please tell me what to do. I paid the underage, why the increase in monthly payment. Its driving me crazy. You just cant take people money like that. I am retired and on a fixed monthly income, I pay timely each month. I cannot afford them just taking my income like this. I pay the shortage in my escrow to try to stabilize my budget. Thank you.

My loan was sold to GMAC and I paid my payment on time every month. Then they come up with that I was behind on my loan to the previous mortgage company in excess of 6,000.00. This was not true. I sent them documents showing that I didn't owe this. They upped my monthly payment by 1,000.00 a month. I couldn't afford that and I got a lawyer. He sent documents showing I didn't owe this. They ignored it all. My lawyer needed more money to fight which I didn't have. GMAC foreclosed on my home and sold it for less than half the price I owed. How can people who can't afford to fight win? They can't. Where is justice in this country?

I would be required to send in a paymentt of $2691.76.

I explained that I had only gathered enough to pay my regular June payment. Her rebuttal: "We cannot accept less than $2691.76" and if I sent payment for less, my payment would be "rejected and returned" to me or sit "unapplied" on my account and not credited to my account. After having her repeat, several times, the fact that GMAC will not accept my payment, the next logical question was, how do I catch up? At that point, she told me I should just sell my house because I can't afford it.

Let me state, before Chase bank bounced and then froze my account, I had never been late on a payment, always paid on or before the 15th. I then asked how long before they would foreclose, since they will not accept my payments. Her reply was, "You should of already receive a letter." Is this legal? Acceptable? Moral? Or, just plain money-hungry Wallstreet? Is there help out there?

I am very disappointed with GMAC mortgage company. I was informed of a program presented by President Obama, whereas homeowners could apply for help with their mortgage that was in danger of foreclosure. GMAC never once mentioned to me regarding a loan modification program. In June 2010, I received a telephone call from a company by the name of 1st Financial Group (Integrity Mortgage). They asked me if I was interested in a loan modification on my home. After hearing the program, I agreed to try it.

They prepared all of the information online. They indicated that this information was time sensitive and I needed to get all the documents to them as soon as possible in order to prevent foreclosure on my home. This I did not hesitate to do. I faxed all the documents within five days. They even said that the best offer I would be looking at is $525.00/month, after the modification was complete. It sounded real good to my ear, because I had recently retired from my job due to health reasons (back problems), and my monthly income had decreased. Integrity Mortgage indicated to me that I would have to be at least two months behind in payments to be considered.

By end of July, I was two months behind, which qualified me for the program to prevent foreclosure on my home. I was asked to pay a processing fee of $1,153.72, which I have already paid $986.30 out of the total amount ($167.42 is still pending for my payment). My question now is, "If this program is free from the President Obama, why did I need to pay for applying?" I am so confused with all of this. (This program should be available to all who are struggling with foreclosures). Is this just another scam? There are so many scam out there these day who wanted to make money due to the economy.

I sent a hardship letter as required and requested. Everything I mentioned in my letter was true. I want to keep my home, at least for a while until I can sell it. I am currently residing in Alabama due to my illness. However, my daughter is living in my home to keep the home from being destroyed while I am away. I will probably want to sell the home as soon as I can, but my daughter's home was burned and she needed a place to live with her 3 children.

She will be helping me to pay the mortgage and taking care of the up-keep of the home as well. If I would leave my home vacant, it would only take a minute before it would be destroyed in Detroit. Due to the economy, It is so hard to sell homes at this most difficult time. I have spoken with HUD/FHA counselors to advise me on what I can do to save my home. But in the meantime, I pray that GMAC will consider my "Home Modification" request.

We fell behind on our Mortgage in 2009; we were given several different types of loan modification options and were put through hoops. Now the company has stated we have not paid several payments and we have! We have sent in four payments and they return them to us, then we receive calls and work out deals with many different employees, they tell us to send the payments and we will be fine, we do it and another employee calls us days later and stated they have not received anything, then a few days later, we get a check for the amount of our payment back.

We signed up for loan modification seven months ago, send in all required information, then they call us a few weeks each time it's all faxed in stating we did not turn it in under the required time. We have called and called and GMAC does not know what the other departments are doing, they stated they will foreclose, they ask for thousands of dollars when they call, we were only two months behind, and they won't take our payments which now it has been eight months! What can we do? This is ridiculous. Our credit score is diminishing, we are going to be foreclosed on which they have created the delinquency.

We have been a customer of GMAC Insurance since 2003. We pay substantial premiums faithfully and never filed a claim. We recently filed a claim on our Fleetwood Pulse and the amount was $5,000.00. They, without notice, raised my premiums to $40.00 a month. I am outraged that they can just do this without notice. We have perfect driving records and perfect payment status. I feel this is unjust. The law needs to be changed! I am reporting this; as you can tell I am upset, and if they don't do something, I will find another insurance company to represent us!

I am a realtor representing a homeowner who has her loan with GMAC. The owner is a senior citizen who was threatened by the collection department that the sheriff was going to lock her out of her home if she did not pay her mortgage payments. She had fallen behind due to the death of her husband and her income had been reduced substantially. Well, she became afraid and vacated the home in 2007. She now is living with a relative in another state. She has been trying to sell the home for several years.

She finally ended up with our office. We told her she had to lower the price and said we would work with her on a short sale. Luckily, we found a buyer. She accepted the offer, went through attorney review. The buyer had the Oil Tank tested. It is in the ground. There is leakage and contamination so he had to either cancel his offer or reduce the offer . He chose to reduce his offer. It has been almost 5-6 mos to get a response from this company. They always seemed to need the same paper work over and over again. I was surprised to see that others have had the same experience.

I have had a mortgage with GMAC for 8 years. I have never missed or been late with my monthly payments. I am recently divorced and the house was signed over to me. I contacted GMAC 2 weeks ago to negotiate a lower interest rate. While talking to the GMAC representative, I became aware of a lien on my property which caused my credit score to drop. The lien was due to unpaid taxes incurred by my ex-husband. I told the representative that I needed to rectify the lien before I could refinance.

Although he knew I was distressed about the lien, he wanted me to proceed with the refinance. I told him that I needed to satisfy the lien before I could commit to refinancing. He again attempted to convince me to refinance saying that I had three months to clear up the lien. I explained that my priority was to satisfy the lien. I immediately paid my ex-husbands past taxes and the lien has now been satisfied and my credit score increased by over 100 points.

The same representative called me this past Monday. My guess is that he pulled another credit report on me. When I returned his call he said, "let me tell you what I can do for you". When I explained that I was going to wait a few months to refinance, he said "I have someone on the other line and will call you right back". He never returned my call because evidently his priority is not to help the customer but to push customers into refinancing even when they are not ready. Isn't this one of the reasons our country is now in an economic crisis? Due to the insensitivity of the GMAC representative, I will refinance with another mortgage company in a few months.

In October of 2007 is when the nightmare originally began. Due to a refinance, we began, what has been a very traumatic, tiring, deceitful experience with one of the worst companies that anyone would ever think of doing business with GMAC mortgage. Almost immediately after the refinance, due to unforeseen circumstances (I experienced the loss of a job); payments could not be made so took the necessary steps to avoid foreclosure (or so we thought). Contact was made with GMAC and so it began.

We were informed that we would need to complete (back then) a modification package to be reviewed for what would work best in that situation. All requested information was submitted both via fax as well as mail (always kept a copy). GMAC would soon call to state there were missing documents that needed to be sent immediately. As requested, would quickly forward any necessary information that was needed. Note: all information submitted is based on a checklist in which GMAC includes. I sent all as indicated on modification package and rep informed.

After a couple of days of having submitting the information I would make contact to confirm and find out how much time it would take for review. The csr stated, "Sometimes 30 to 45 days, meanwhile, just wait and maybe save at least one month's payment." During the wait time, I still found it necessary to stay in contact with the company. Every phone call made (at least three times a week); was the same each time. The representative would state no change, still in review. After many calls as a follow up, a letter arrives via fed ex to inform "based on information submitted, you do not qualify for a remodification." Quickly, a call was placed to GMAC only to be told, another package would have to be submitted, this time a financial analysis form including a hardship letter, along with proof of income, tax filings, identification.

All information is at hand due to the same requirements previously forwarded for review of a remodification. A call and a letter come through to state a trial period would begin. During this trial period, we waited to hear the outcome of what would be decided, only to be told, due to income received, mortgage payments are sufficient, must meet the percentage of 31%, with their famous words: your account is now in foreclosure, there is a pending sale date 30 days from this date. You will need to reinstate by paying all arrears, attorney fees, collections and finance fees.

The representatives are very rude and unprofessional, it is like calling a place where you have been charged with a crime you did not commit but all these people want to do is lock you up and throw away the key. My husband and I have been going through this for three years now...as of Friday, august 16th and today, we are informed, your account is in foreclosure, sheriff auction, sale date in 30 days. Sell your house or reinstate! GMAC is an evil organization that thrives on stealing homes of so many families around the world.

This company should be put out of commission now! How many families must lose their homes after working so hard? Please hear this people. Often times we hear of, "Well they should not have taken the loan if it was not affordable." But do not miss the mark of those who do follow through and read all the small print. People who just lost their job (like us), people who got sick, people who got a cut in pay, How many more families must GMAC take a home from before they are put to an end?

Well my story mirrors the majority of the complaints that others have had. My wife and i have been working with GMAC mortgage trying to settle the issue with this high priced mortgage. We have repeatedly submitted the same required information to them that they seem never to receive, or they lose it and need us to resend. they put our account in a review status and while in this status they strongly urge you not to send in any payments they told us at the end of the review for modification if it is not approved they would then in turn put the pass due at the end on the loan and you would be able to start our payments again. We went through this extremely stressful ordeal for several months, back and forth with GMAC, calling 3 and 4 times a week checking on the status, only to be told the same thing, "It's in review, we can't do anything now."

Now, after we went through all this, were told that very common and familiar statement. This is the statement that GMAC seems to take so much pride in delivering. We were told at the end of all this that we were denied for a loan remodification, our loan is now in foreclosure, and we have by this date to vacate. GMAC is a cold-hearted and evil organization who thrives on the destruction of lives. They by any means necessary need to be stopped, and we will use every resource we have to see to it that their destructive actions be put to an end. We are in the process now of getting a petition signed to take up to senators and congress, from there the white house. We already have some very strong supporters. Anyone interested in signing please email me your contact information and together we will put an end to GMAC.Thank you and may God bless.

3 years ago, I bought my house with a fixed rate. I also have my taxes and ins with my payments. About every 3 or so, they raise my mortgage payment telling me my insurance has gone up or my taxes. So I called both city taxes and my insurance and they both said they did not raise them. The guy from my insurance called them on a 3 way call and told them my insurance had never gone up, and they need to send me a refund, of course I still have not gotten one. Then they send me a new payment letter lowering my payment. Only $5 when they raised it $22 this time. And I want to know why with all the law suites they have and the complaints they have why is nothing been done?

In March of 2009, the State of California furloughed State workers which equates to me losing 10 percent of my pay. I notified GMAC in January and February that I would be having a hardship. I was told there is nothing they could do. Come March, I was told if I can't make a full payment, I shouldn't send any money at all. I didn't. Then they wanted to do a mortgage workout. I sent all necessary paperwork. I was denied. They said they wanted to try the Obama plan. I reapplied. I have filed the paperwork for the Obama plan eight or nine times now. It is now August of 2010. I am still waiting for a response for the loan modification.

Meanwhile, I am told GMAC is going to foreclose on me within the next 30 days. I finally got to speak with someone who was willing to answer my questions, while trying to collect on the debt. Turns out I was denied one week after applying for the modification. I was also told that the lender, CitiMortgage, has never cooperated with the Obama loan modification program. Also, they never reduce the principal amount. I am being denied because my current house payment, which is the reason I need a modification, puts my debt to income ratio somewhere around 42%. I was told by an attorney that I would need income of about 8600 a month and then I would qualify for the loan modification, but would only change my payment by $15.

GMAC took Federal money to keep their doors open and now neither one is doing anything to help homeowners stay in their homes. I was able to afford everything I had. The Governor caused my hardship. Now I am set to lose my home, the money my wife pulled out of her retirement account for part of the down payment, and roughly 12540 dollars I borrowed from my retirement account for the rest of the down payment. The rich get richer and everyone else gets poorer. Sure would be nice if the rich would get treated the same as the poor. Please contact me if there is any chance of saving my home at an affordable option. My time is limited and GMAC and CitiMortgage refuse to assist. Thank you for taking the time to read this.

I have tried to return the call of the gentleman that called me Scott at your company. He left me one message and his extension, which I called back three times. And I left a message for him to call me. I experienced the same thing with GMAC on this. I have not been too happy that everyone sends letters but no one can return a call or follow through. I have included several people on this. Please see below to get information on who this was sent to via certified mail. I started working with GMAC on this in November of 2009 and spoke to Raphael.

I was laid off from my job at that time, in which I'm still unemployed currently. On Nov. 13, 2009, Raphael was working to get me a moratorium to take three of my payments and put them on the back end on my 48 month lease that started on 3/1/2008. I was told from Raphael on November 13, 2009 that I would hear back from GMAC within 48 hours. I did not hear from anyone at GMAC the remainder of that month, so I mailed the payment to not fail in arrears.

On 12/1/2009, I spoke to GMAC again. I told them that no one has returned my call and that I could not continue to make payments. Again, I asked for a moratorium until I found a job. They stated that if I paid $ 900.00 for that month, in which my payment was $863.00, they would give me the moratorium. I had already sent the payment of $ 863.00 and told them I could not mail another payment and not eat. I told them my only option was to turn the lease in and that is what I did. In January, I got a letter from GMAC saying that I owed $ 18,000.00.

I immediately called them and agreed with Thomas that I would pay $ 100.00 per month as all I had was unemployment, which has been since cut off. I asked for them to send me the information of whom and the sales paperwork the Cadillac had been sold to so I could see the difference. They said that would be sent to me immediately, so I could review all of it to ensure that there were no hidden charges that GMAC had been paid for twice.

I requested that again on 1/15/2010 along with a letter and a copy to my attorney. I heard nothing from GMAC until on 2/1/2010, when they cleared this account and marked it paid in full with my credit agencies! I ask again to please send any and all documentation of the sale of this vehicle to the new owner, as well as all contract documents and lender information to confirm the sales price to the charges that GMAC is saying is the difference.

We fell behind in our mortgage as I was in hospice care and my husband lost his job and were assured by GMAC Mortgage that we had several options. We could do a loan modification, "catch up" by increasing our monthly payments, or tack what we owe on the back of the loan. To this end, we supplied GMAC Mortgage with our financial information. GMAC Mortgage also stated that they were sympathetic to our situation and would work with us - they really didn't want the house back.

Even after the sheriff came to the door in January with a foreclosure notice (with sale set for April 28, 2010), we were not worried as GMAC Mortgage lulled us into a false sense of security by telling us they were still "working on it", and that we had "several options" and they "didn't want our house back" and they were "sympathetic to our hardship". My husband stayed in constant communication with this company and no issues were raised over the next months leading up to our foreclosure date of April 28, 2010. We knew that as long as you had an active open loan application that a foreclosure could not take place until there was a determination from the lender, so we were not panicking. On April 27th, GMAC Mortgage contacted us and asked us to fax over some additional information.

As this was last minute, my husband scrambled around to make copies and find a fax machine to use. He then called GMAC to confirm that they had received his fax and they said they had the information requested and they would get back to us. There were 9 pages in all that were faxed to GMAC. Early the next morning, we were informed that we were "denied by everyone". I was a bit suspicious about this, as GMAC couldn't have possibly submitted our information to lenders and receive an answer literally overnight. And what happened to our other "options"?

Our home was put up for sale that same day with the sheriff's office and there was nothing we could do to stop it. Not trusting what we were told by GMAC Mortgage regarding being "denied by everyone", I repeatedly requested the evidence of whom we were submitted to and their reason for denial, but were not supplied this information. Finally, on June 18th, with me on one extension and my husband on the other and with a tape recorder running, I got a customer service representative on the phone, Mary. She informed us that we were never submitted anywhere, so there wasn't ever a denial! My husband asked about the 9 pages they had asked us to fax to them.

The rep told us that she was showing this documentation as received on the 29th, not the 27th as we claimed. We knew that we faxed over 9 pages of information and they were, in fact, received the day before the foreclosure sale was set on April 28th and that GMAC had confirmed that they were in receipt of this information. We also knew that if we had an active application for consideration of funding, that a foreclosure could not happen. And we knew that it would take at least a full business day during regular business hours to submit and have a response to our application.

As it was past business hours when GMAC said they received our information, there was no way that there could be any determination regarding our application. Why in the world would we dash around to accommodate a last minute request for information unless they asked us for it? And why were we "denied" if there wasn't any application? What has GMAC Mortgage been doing all these months on our supposed behalf?

What really bothers us is if GMAC Mortgage never had any intention of assisting us in the loan modification program, they should have just told us. That way, we could attempt to procure financing on our own. GMAC Mortgage violated our rights by denying us this process and they have conveniently altered the time line of the events of April 28th to reflect their position -- we never provided any financial information so there was no application to be done, so no denial was ever issued. My husband and I appeared on the 10:00 news (WWL-TV Channel 4 New Orleans) on June 17th. The station's "Action Reporter", Bill **, took up our cause.

The network even gave Mr. ** extra time to present our story as it was so timely and compelling. We are grateful to Mr. ** and Channel 4 for their assistance and their efforts. We plan to do a follow up interview and hope to have some resolution to report. Our home is now property of the United States Department of Housing and Urban Development. As I am permanently disabled, we are trying to work a subsidy plan out with our Federal Government and are working toward that resolution. Our attempts to contact any key management or board members of GMAC Mortgage has been impossible. For those of you that have wanted to simply have a conversation with anyone from this company, know that they only provide their customer service line or an online form to complete. It was after I filed a complaint with our Attorney General's Office (Mr. James **) and the Department of Justice, that I received a response from GMAC Mortgage to the Attorney Generals' office and this has been forwarded to me.

Yes, they continue to lie about the events of April 27 and 28. But more importantly, I now have the name of a real live person who is an "Advocacy Resolution Specialist" for GMAC Mortgage (yes, they actually have one of these). Mr. Bryan ** can be reached at 1 -800- extension ** or directly at **. I'm confident that if GMAC Mortgage has an advocacy specialist, then they certainly would welcome calls from their customers, the people that keep them in business, regarding their experiences, concerns and dissatisfaction with their business practices. I know I feel so much better just knowing that GMAC Mortgage is "there" for me!

The way we deal with such entities as GMAC Mortgage is by not doing business with them and write to every consumer group and elected official you can find regarding GMAC Mortgages business practices. Remember, it was our government that gave GMAC a whole bunch of our tax money. We would also invite everyone to do a "search" on GMAC Mortgage and consumer complaints. We have read numerous reports of GMAC Mortgage's unethical business practices. Even if what GMAC Mortgage does is not on paper, illegal, there is a moral side to what sort of business practices they subscribe to. If GMAC Mortgage would lie and cheat a Baptist Minister and his terminal wife, no one is safe.

I spoke to a customer service with GMAC, was finalizing my permanent modification and was told to make first payment. By July 1, 2010, our modification would be cancelled, so I mailed a certified check on June 18, 2010 and GMAC received it on June 23, 2010. I applied my check of $1,056.89 to interest and escrow which should have been applied to my July payment. I was told payment was reversed on July 6, 2010 then again on July23,2010, I called GMAC and they told me payment was never reversed and cannot be reversed. Now I'm considered non payment, late charges and now owe 2 months worth of payments. I did everything I was asked to do to finalize my modification, I'm lost, I don't understand how this can happen. I don't have an extra $1,056.89 and for July, I paid my mortgage payment, now my credit will be affected due to their mistake and they claimed they cannot reverse it now and I may still lose my house.

The mortgage payment sent by U.S. mail using next day delivery on July 8, 2010 had not been posted to the account by July 14, 2010. It was traced by the post office and I was told it was received by a person on July 9, 2010. A stop payment was placed on the check sent overnight because I was unable to speak with anyone in customer service or Bankruptcy Department of law office appointed by GMAC while I was in bankruptcy.

An additional payment sent by Western Union on July 13, 2010 was posted to my account. I was sent a letter on 7/21 stating that my payment had been returned unpaid by my financial institution. This was the check sent by U.S. postal service overnight and had not been posted for 6 days. I now have been charged a late payment and the July payment was reversed. This also occurred in June, in which 3 payments were sent and not properly posted to my account. I was told on many occasions when contacting customer service that it was being reviewed and payments made in June were never corrected.

My bankruptcy was discharged on July 19, 2010. At first, I was in a Chapter 13 and then it was converted to a Chapter 7. My mortgage was never placed in bankruptcy. I was paying my car note and mortgage outside the Chapter 13. It wasn't until I questioned the inaccurate posting of my payments that I was prevented from paying my mortgage online.

I lost my mom in Sept 2008. In April 28, 2009, I paid HLRC $2500.00 to help get a modification. They were fraud so I lost that money. I tried to do this myself. I got it drop from $1313 to $701 for 3 months, $801 for 3 more month with Obama helping people and when this ended it now back to $1268.00 as of 8/1/2010 and even though I made the payment.

They called it forbearns and trashed my credited. Now, they say I make too much money. My partner Lyle lost his job. Plumbers don't work in Illinois and my income as a said I gross $2100 monthly and that too much to mod lone. And in March they said I was $4897.33 behind and on Aug's statement, it say I'm $15,158.15 behind. I don't get that. And they still refuse to help me. If ever one just stop paying them maybe when they are out just like the rest of us and GMAC big wigs won't get all that money and we as a people say no government help. Now you know how we feel work all my life for what? To be [cheated]. No money no company no jobs. Now you know what it is like for us.

In February of 2009, my husband was let go after serving over 35 years with his company. He was 60. We were at the time taking care of our 85-year-old mother and my son, who had also recently lost his job. When the modification program was established, we immediately put in an application. I believe it was March or April of 2009. While we waited (6 months), we had gone through our savings and emptied out our $401k. Well in September, they sent us a letter saying we had too much available cash in our account ($9000.00), so we were denied. GMAC told us to re-apply when our funds would come below $3000. So, we re-applied first of December 2009. We waited another 5 months. During that time, they would send us letters saying they were missing this document and that document or this wasn't filed out correctly or this didn't have the mortgage number on it etc.

In May of 2009, the mortgage wrote us and said that our file information was outdated and we would have to reapply again. So, we did and once again. The same mess started over. They lost our paperwork, or this was not dotted or this did have our loan number on it etc. Finally, we got so fed up. We called and demanded to talk to a supervisor or to someone in the modification department. They were extremely reluctant to do this. But with some not-so-gentle persuasion, they finally passed me over to a supervisor named Rve. She told us that she would be handling the file herself, gave us her fax number, and office number. After having to resend in our next two months' back statements, she said that they had everything and all would be fine.

On July 24, we called them because we had not heard anything. The customer service person told us that we were denied because our credit was too good and we had no late payments. They had told us after every phone call that we cannot be in default of our bills or mortgage. So, we had borrowed on our credit cards and family to keep our heads afloat, like they had told us to. We were also told that when we had filed our financial analysis sheet back in May, we had $900 in our checking account and a little over a thousand dollars in our savings (which was well below the $3000 they had told us earlier). But now they said that was enough money to make a mortgage payment (our mortgage payment is $1250.00). As I said, this was the amount that we had reported in May and now it is July 24.

So now, we have to file another package (which we did on July 24) to them to show that my husband no longer is getting his unemployment (in which we had sent that letter in back on July 13th, and they had told us they had received it, but wanted it again). We also showed that we are no longer getting another two months of our bank statements, my disability letter (which they have gotten about 4 times already, nothing changed there), and two paycheck stubs. It's because he had finally gotten a part time job paying $9.00 an hour versus $35.00 an hour that he was earning before he was laid off. But he is 61 and had no medical insurance.

This was the only way we could get him covered until he could find full time employment. We were given another supervisor named Kristine. She said she would handle all aspects of our file. So here we are waiting again, wondering where we are going to get the money to make our next month's bill. Once again, the big boys in banking and the bigger boys in government don't care about us.

These past 3 months, I have offered cash for bank owned properties. This was for a home, not an investment. Each time, at the last minute, the bank sends me a release form. There are various undocumented reasons, but all resulted in the sale to a 3rd party for more money. This current one with GMAC is still on the books. One week before closing, I was asked to release the contract. They need a signature from the seller to foreclose on the property a second time. By the way, "this contract isn't legal and we can't legally sell you the property. Also, the process will take 3 months or more with a possible 3rd party in the wings (paraphrase)." Have they found a new buyer with better offer?

I've spoken to numerous people and now have a call into the Commonwealth of Kentucky Attorney General. Can this be standard operating procedure for major banks: get us to bail them out, allow them to keep the property in inventory, and turn everyone's misery into a bigger profit? Aren't they the ones who initiated this economic downturn, and now we reward them?

We have had GMAC Mortgage since 2007 and we have had nothing but problems. GMAC received the largest bailout package and we received nothing! We were behind in 2007 and received a modification, which helped us none-because all they did was put the balance we owed to the back of the loan.

They filed foreclosure on us in December of 2009 for a couple of missed payments. I was in contact with them constantly (when I could get through). I tried everything to save my house. In the end, after repeated phone calls (sometimes all day) with their customer service center and foreclosure department - we still lost our home. We gave them all our 401K, tax refunds and everything to try to work out some kind of agreement.

On June 24, 2010, I saw my house sold at the courthouse steps. GMAC bought my house back for $151,000.00. I owed $280,000.00. Our credit is ruined and it has been horrible. We just found a house to rent. I feel they robbed us!

April 2010, I called GMAC to make my monthly payment and in the process of the conversation, I explained to the contact person that I was having some trouble paying mortgage lately because my spouse could not meet the financial demands. The GMAC contact recommended loan modification stating that I was eligible for a decreased amount and that I would pay the decreased amount during the time the modification was being processed. So, I made the payment in April but when I tried to make the payment in May, I was told that I had to pay the entire amount and I was asked if I didn't read the guidelines on the internet. I explained to the GMAC contact that this arrangement was made at GMAC's suggestion. I was then told that I was reported late for the partial payment. What? And that I would have to pay the balance from the previous month plus the full month.

I asked for a supervisor who explained that the person who offered me the loan modification was actually in violation of their scope of duty because that office only handled me for a second. She further explained that the loan modification was for those who could not afford to pay their mortgages and if I did pay to a current status, that I would not be eligible for the modification. Okay, well then things really took a turn for the worse when I received a letter telling me that I owed almost six thousand dollars, as opposed to my seventeen hundred. I scrapped to money together because now I am getting really scared that GMAC is setting me up to take my home.

So, I paid my mortgage. Yesterday, I received a letter from GMAC that an Escrow Analysis was performed and that I was deficient and that I would need to send those nine thousand dollars by September 1 or my mortgage would go up to twenty eight hundred per month. What? They even paid my hazard insurance and are billing me for that under for the next year even though my hazard insurance is up to date. I cannot get a straight answer from GMAC and the calls go to foreign countries where they simply read information off the screen. This is a nightmare and I am so afraid. Please help.

We contacted GMAC last June in an effort to get a loan mod considering that my husbands company had been bought out, he was making less money. The value of our house plummeted - we owe $260,000 on a house that is now worth $120,000. After going through a trial period as GMAC instructed us to do, they denied our loan modification without informing us why. We started getting calls from the foreclosure dept that our house was in foreclosure! Even though we had made every singke trial payment as they had instructed!

After several phone calls, tons of misinformation from their customer service we went into another trial period. Finally, a year later, received a loan modification which we started making the payments on right away (as we always have in the 6 yrs we have lived here, we have never missed or been late on a payment unless instructed by them). Things seemed to be okay, but here we go again! They (GMAC customer service) is now telling us that we are late on payments because they took 1 of our mortgage payments and applied it to some of their "so called fees" that we were never aware of!

After asking several times for documentation of a notice to us that these "fees" needed to be paid, they have come up with nothing! They are harassing us, refuse to transfer us to a supervisor or to loss mitigation! GMAC is ridiculous, no one that works there can get their story straight. They are not willing to help! That company is taking $ from the government to "help" people from losing their homes, then turning around and making it impossible for people to stay in their homes! They are ridiculous. It's amazing that mortgage companies can even get away with this!

I have been a GMAC customer for a total of almost 20 years (two loans, two residences combined). Our home loan has never been late or delinquent in any fashion. In May of 2005, my mom died and we experienced a severe hardship due to some extenuating circumstances. We asked GMAC to work with us on a loan modification due to the fact that our home was almost $250,000 under water. I submitted paperwork in June of 2009 and the paperwork was complete.

After many phone conversations and emails in November of 2009, I was told in writing by a GMAC representative that a loan modification was approved and that I would receive paperwork via FedEx in two (2) business days. I never received anything from GMAC.

In September of 2009, we were forced to file Chapter 13 bankruptcy to restructure our debt because we couldn't keep up. I had lost my job and our house was losing value almost daily. GMAC agreed to accept the arrears through the Chapter 13. They then filed a modification to the stay by lying about when our payments were made. The two months arrears were paid through the trustee and I paid on-time every month. They recently filed a motion to start foreclosure because we are two months behind, even though they have received this money from the trustee.

I don't understand how a company can tell someone they are approved in writing and then go lie in a Federal Court and get away with it. I'd be in jail if I lied in court. What they are doing is reprehensible. We are fighting to keep our house out of foreclosure and they have charged our account almost $13,000 in attorney fees and late fees; even though we are current in Chapter 13.

I acquired my dream home located at Santa Clarita, CA on July 26th 2006. For two years, I was able to maintain my monthly mortgage payments to GMAC and was in good standing with them. On my third year living there, my child support ran out, so I began to struggle in making my payments. I did however keep making them each month. In March 2009, I lost my job with Countrywide, after being employed with them for ten years. Two weeks after being laid off, I required knee surgery and came home from the hospital on crutches as an outpatient. That night, I slipped in my kitchen and broke my pelvis in three places. I spent a week in the trauma unit of the hospital, and almost a year of physical therapy to be able to walk again.

I began to receive unemployment checks in the amount of $1900 monthly. To bring in extra income, I also rented out a room in my house. As a result of my reduced income, my payments began to fall behind even more. In fear of losing my home, I was referred to a gentleman who stated that he would do a loan modification for me at a cost of $3500. I struggled with the idea and decided to go with him.

GMAC agreed to a Special Forbearance agreement of $1240 per month for four months, which I was able to afford at that time. I knew this was a short-term fix, but was assured that I would be able to qualify for a loan modification. This wasn't the case as GMAC stated that I did not make enough monthly income. My monthly debt was beginning to fall further and further behind, as I continued to make interest only payments on my mortgage each month. With no other choice in site, I decided to file for a Chapter 13 bankruptcy, so that way I could only concentrate on saving my home.

Through all my calls to GMAC to keep them informed of my status, my home was placed in foreclosure anyway, and has been for almost a year now. I was placed on a repayment plan of five years through the bankruptcy court. Each month, I pay $915.00 so that arrears can be paid back to GMAC at a cost of $43,518.83.

Because my loan fell into delinquency, GMAC demanded full monthly payments now. I was paying interest only each month of $18XX, but now it jumped to $31XX. On top of that, GMAC placed a motion with the court, for a Motion of Relief from the Automatic Stay. The court date was scheduled for July 15th 2010. Their demand was to begin in July 2010, and consisted of the following breakdown of default: Four (4) payments at $3148.31 each (March 2010 to June 2010): $12,593.24; accrued late charges: $700.10; less: Debtor's Suspense Balance, total: $12120.21.

So, on top of paying $31XX each month, I have to come up with $2020, for the, arrearages plus $915 to the bankruptcy court. This is a total of $6035 each month to GMAC. My bankruptcy lawyer stated that the only way to avoid foreclosure was to agree to these terms, even though she knew I didn't make this type of money. I have since secured employment with Bank of America, in April of this year, after being unemployed for thirteen months. My monthly income of $3260.00, plus room rental of $900.00, does not even come close to covering this monthly debt with GMAC. I am working with both GMAC and NACA for a loan Modification, based on my monthly income.

I would like to plead my case and ask that you find it in your hearts to work with me and help me keep my home. Take me out of this Neg Am loan, and place me in a fixed rate loan that I can afford, with a monthly PTI of 34% of my monthly income; take the arrearages and place them on the back-end balance of the loan; take my loan out of foreclosure; and extend the terms of my maturity date. A forensic audit was conducted on my loan documents by NACA, and I can supply a copy.

We called back approximately three (3) days later to make sure that GMAC had received all information to proceed with our loan modification. Well, they'd say, "We are missing the completed 4506-T tax form."

We faxed that form to them right away and called back a couple days later to make sure they got it. They said they now had everything they needed to proceed. We called back about a week later and they again said they hadn't received the completed form. Yet the previous person we talked to at GMAC said they had everything they needed and didn't need anything further from us. So we waited and waited and waited until the last week of February. This time when we called, they said our file was on hold because they never told us that we had to have our loan number, signatures and the date on every single page.

So, you guessed it, we re-submitted the entire package yet another time and waited some more. It was now mid-March 2009. Again, we called GMAC and were told that we were missing another document and they held things up until we re-sent this form yet again! We re-sent the form and waited patiently because we wanted to get this situation worked out as soon as possible. We called back April 1st and got the next excuse, "Oh, I am sorry but the guidelines of the Obama plan have changed and you will need to resubmit an entirely new loan modification package." Unbelievable, right? We thought the same, but persevered because we wanted to resolve this situation and keep our house. From May to June and July 2009, all we heard every week we called was that our loan modification was still in review.

Finally in August of 2009, we were sent papers for a three (3) month trial workout plan. Since we made each of these payments before the due date, we felt pretty good about getting a permanent modification. But since this trial period was only for three (3) months, we called and asked them how much we were supposed to pay in month four. Here is the standard answer we got every month: "Just keep paying the same amount as the trial payments because your loan modification package is still in review."

We said ok and complied with their instructions. We made these additional trial payments from January to May of 2010. GMAC also sent out at least two (2) breach or default letters during this time. Each time we got one, we called them immediately. The repeated answer was, "Don't worry, just disregard those letters because you are involved in a loan modification." So we didn't worry until I called back to make another trial amount payment in June 2010. I called and the first thing this rude kid says is that your account is showing $25K past due and that you haven't made a payment since August of 2009. Not true. That is when the trial workout plan started and we paid the amount that GMAC said to pay!

Now, this rude young person is telling me that they won't take my money unless we come up with a lump sum payment of at least $10K. Are you kidding me? Not only that, but now thanks to GMAC, they are showing us late on this mortgage from 30 to 180 days. Because of all that GMAC has done, and continues to do, we may very well lose our house and our credit is ruined!

Fleet funding was sold to GMAC mortgage. We were never late with payments with Fleet. GMAC stated that we're three months late with payments. We tried to correct this, spending many hours on the phone and writing to GMAC. GMAC foreclosed on us and in turn filed chapter 13 to save the home. We went to court four times, and GMAC kept closing offices in Pa, N.J., and N.Y.

We finally got the address to Texas and we're paying all payments. GMAC was charging our mortgage of $530 plus $400 late fees every month for five years. Our chapter 13 was closed. GMAC still foreclosed, stating that we were still three payments behind and wanted $5,000 in lawyer's fees. After paying $18,000, we are back to square one. We forced to go into chapter 13 again. I have high blood pressure and depression because of this. When is this going to end? Who knows? GMAC does not care.

I have a client who owns a home here in Florida that has Chinese Drywall. She purchased the home with a substantial amount of her savings down to live in as her primary residence. She lived in the home with her daughter and granddaughter.

After repeated issues with the failing a/c and health and asthma issues with her granddaughter, they determined the home had this defective drywall.

She tried to work with her bank to assist her with getting the home re-mediated but didn't get anywhere. Essentially, she called me crying and asking us to help her find a rental to move into.

At that time, she was obviously unable to continue paying her mortgage and the rental, so she stopped making payments.

Despite our efforts, we have just learned that her bank, GMAC took out an insurance policy (mortgage insurance) on her loan. They have been held at a value of $180k for us to sell in a short sale, however, it is only worth about 100,000. The reason for this is that GMAC will get more money allowing this property to foreclose than they will if we short sale it.

We have asked GMAC for the MI companies info but they will not give it to us.

Aside from this mortgage, my client has a perfect payment history and would have continued to make timely payments on this home if she could have in fact lived in it. She is now faced with a foreclosure on her record and for the bank to basically sue her for their losses. During the past year and a half, she has kept up with her fees, insurance, kept the power on and maintained the pool and yard.

I think there are likely other people in a similar situation and it really is an unfair one especially in a situation where consumers are hit with not only this drywall issue but also not being able to sell it because the bank is covered. She is basically screwed twice by the drywall. If we were just doing a traditional short sale there would be no issue since the value of the sale would definitely be more than the MI company would reimburse.

Shame on GMAC for taking advantage of those who have been loyal customers.

My client does not deserve this and I am certainly going to do everything in my power to make sure that they are exposed for their lack of regard for their customers.

I have two loans with GMAC, one for my personal residence and for a rental. I am 62 and thinking about retirement but I can't retire and make my mortgage payments. I sent an email about a modification and last December, I got a call from GMAC. I told them that I wanted to retire and needed a modification. My home had dropped more than a $100k in value and was under water. I gave them the current information and verified everything. I was having my mortgage payments for both loans automatically deducted from a savings account. I had enough in savings to cover any and all payments. I would try to information on my modification periodically but could get absolutely no one to respond. GMAC stopped taking the money out of my savings account for my personal residence in mid January but since it was a savings account I didn't notice.

I received the notice of default and saw that they had arbitrarily stopped the automatic payment. I telephoned and told them that I would mail a check for the full payment the next morning. They charge a fee to take it out of my account electronically and I did that. They got the money but who knows where it got applied. In the meantime, I am getting calls every 15 or 20 minutes about the delinquency. At first, I would talk to the employees. No one said that they did get my payment even though I would tell them that I mailed the check.

I knew the money had been taken out of my account so I was getting more and more frustrated. Finally, I called the customer service and not the collections and got the information for a payment tracker. I immediately got the verification of the money transfer and faxed it to that department. That was in March. They transferred the payment but charged me late fees. They have lost my money each month since then and charged me late fees. I have had to fax them verification each month, from April, May June and July.

Then in May, they stopped taking the money out for my rental loan. I sent the check as soon as I noticed. They have lost the money twice. If someone told me this story, I would think they were lying but it is true and the calls keep coming in. I have 8 calls so far today from GMAC. They never notified me that they were denying my modification. They denied it because my credit ratio is too low. In other words, using my earnings, instead of my lower retirement income,

I don't owe enough to other creditors to get a modification. I can pay my bills so **** baby! If there is a class action against GMAC, I want to join. They get bailed out with my tax dollars and they pull this on a customer who has always paid their mortgage on time. What are they doing to the people who have lost jobs?

I fell three months behind on my mortgage payments last year. I have been making regular full payments each month for the last six months, but have not caught up on the three months that I missed. I applied for a modification and that dragged on for over a year only to be denied. I had a change of jobs and make a lot less money now, this is why I fell behind. Last month, I sent extra money than the regular mortgage payment. They will not apply that to the amount that I owe. I have an escrow overage of almost $500 and they will not apply that to what I owe.

They are holding it until I catch up all my payments. They will not tack the three months on to the full amount owed on my house. They will not do anything to help me or work with me. If I do not pay two whole months by July 17th, they will return the check that I sent them and put my house into foreclosure. My regular mortgage payment is $1,189. Last month I sent $1,300. They put the extra $111 in a holding account along with my escrow overage. This month I sent a check for $1,450. They said the check will not be accepted. It will be sent back to me and the house will go into foreclosure. I am trying everything I can and they will not work with me. Is there anything I can do? Why won't they apply my escrow overage to my balance?

In Oct 2009, I lost my job as a VP at an aerospace company. I did not get my severance or my unemployment until April 2009. My taxes from my severance was taken out at $23,000 for my federal tax out of that check which also helped to bail out the mortgage and auto dealers.

On November of 2009, I called GMAC before I could not make my payment since all I was getting was my unemployment. I asked them if they would give me a extension and take three of my payments and put them on the back of my lease. My payment history was perfect and I have always paid my home and vehicles. Raphael at GMAC said that it had been sent in for review and that I would hear back within 24 hours. That never happened, so I mailed the payment again getting torn between my mortgage and my car, which I needed to find a job.

On Dec 29, 2009, I called GMAC again after mailing a payment and they said that Raphael should have called me back to tell me to mail in $ 900.00 (my payment was $843.00) and they would let me move three payments to the back of my loan. I told them I could not pay the next three months without finding a job, so to pay more than my actual payment was not an option. I went and found a car at half the payment and turned my lease in early to GMAC. It was a 2008 Cadillac STS, I bought a Jetta. I called GMAC and arranged a payment of $ 100.00 per month which I have not missed. Today, I spoke to Sandra at GMAC who stated that GMAC was suing me for $18,080.16 and would not take the payments.

I can tell you that the government has made the mortgage companies help people to get out of this mess, but the Auto people who have put people in the same ** loans have done nothing to payback to the community that they have harmed and spent our tax payer monies.

My loan modification was approved and GMAC, stated that they would be sending out a letter of acceptance for me to sign, and I did that and they told me that I had until June 30th to send it to them. I sent it to them on June 27, FedEx overnight and they stated that just because I was on vacation, I had only one day to return the acceptance to them not later in the month as they told me on the phone. I was gone when the FedEx came to the house and when I got home I called them because I hadn't gotten the form back to them within 1 day. I waited for them for over a year to get my loan modification approved.

GMAC has ruined my life and suffer from health issues and they plan to foreclose on my house on July 24th and they have refused to put in writing why my loan modification was denied, which in my opinion is bad faith, breach of an oral contract and deceptive business practices for starters.

After 31 years as a police officer I was permanently disabled in 2007. My wife and I used our savings and home equity line of credit until that was shut off. In July 2009 we couldn't make our mortgage payment. I filed for a loan modification with GMAC. I filled out all the necessary papers. It was never enough and further requests for other information or duplication of documents I had already sent. I have a pension that would allow me to, I thought, qualify.

May 2010, I received a form letter, not even signed stating we had been denied but didn't give the reason. I called again for the hundredth time and was told my income was insufficient. I was told I could reapply if I made some changes in my expenses. I cancelled my families health insurance, net gain of $500+, and refiled my loan modification papers. Meanwhile, the house is scheduled for foreclosure auction on June 30th. I received a letter from GMAC on June 14th telling me that they had received my revised loan modification application and that I would receive an answer within 20 business days.

Calls to GMAC are fruitless as June 30th approaches. I really didn't think they would carry out the auction until I was given word on my application. Wrong. The auction takes place and my house is sold. Due to the impending holiday, there is no one to talk to at GMAC. When I due get a hold of someone they told me the denial letter for my loan modification went out on July 2nd. I asked the person if they thought that was fair and they said it is my duty to know these things. The whole system is just one huge stonewall job. Now I will fight the eviction process as long as I can until the man comes and takes it away.

GMAC Mortgage is the worst company to work with. I tried to get a loan modification for over a year. Every time I talked to a CSR I was told something different. They always need additional information. They always claim I never sent them all of the documentation they requested. My husband lost his job and was out of work for 14 months. We lost the house in the end. All we needed was for the mortgage lowered by $200.00. They are the most unprofessional and uncaring company I have ever dealt with. I am glad I am out of the mortgage and not going to be having any more dealings with this lying bunch of people. For those out there trying to save their homes, you are in my prayers, especially if you have to deal with GMAC, they are the mortgage company from **.

We have been trying to catch up on our mortgage and have even been trying to make more than one payment a month. We called to make a payment in June and they told us they wouldn't take our payment unless we made two payments. We asked to talk to a supervisor and got transferred to a lady claiming to be a supervisor. She took our payment and set up another payment to come out by the end of June. A payment was taken out, no problem, until we received a check back from GMAC stating to call them to set up a payment plan. I thought that's what we had done. When we called we learned that the lady that said she was a supervisor was not. Also this time they said we had to make three payments. They said it was a new policy that they can't take just one payment.

We asked to talk to another supervisor and asked them for a copy of the new policy to be sent as we were unaware of the change. We also wanted a copy of the contract because we don't have one with GMAC as this was the 5th time our mortgage had been sold. Three weeks later we called again because they didn't take out the second June payment and we never received the paper we were promised. This time they told us we had to make 4 payments and that it would take another 2 weeks before we would get the papers that we had asked for. They stated they wouldn't send us a copy of the new policy because it is a company policy and they don't have a document of it.

They have been very rude and dishonest. I hate dealing with this company. Every time we call it's something new. Our house payment is always a different price. I don't know how these scam artists get away with what they are doing but something needs to be done. They won't take any of our payments. They want us to make a total of 4 payments at one time. We wanted to make 2 payments in June and 2 in July, however, they said we had to keep our money and make it all at one time. In the mean time they can foreclose on our house for non-payment even though we are trying to make our payments.

I have been trying to save my home and trying to work out a loan modification with GMAC for over a year. Now I received a loan modification for the same amount of my mortgage. I have sent the hardship letter about 10 times . When I call they tell me "too bad, that's what it is." It is extremely disappointing.

The Obama administration has a new program where you can postpone your mortgage payment for up to 6 months if you've lost your job. GMAC, instead of helping homeowners, have decided not to engage in this program. The whole company is a complaint.

When we call (GMAC) no one seems to know the situation and we constantly get transfered back and forth from one department to the next not getting anything acomplished, they wont even let us talk to a supervisor. We cant move on until we get our old house out of the way, no one will loan us a dime with the old house still showing up. We need help ASAP or some type of guidence on how to proceed, because right now we dont have any money to pay a lawyer. We cant get financed for another loan to get another home. Our credit is rapidly getting worse by the day. The stress is effecting us mentally and phisically.

We have held both a primary mortgage and a home equity line through Ditech/GMAC since 2003. After arbitrarily freezing our line of credit last year, based on a decline in property values, yet continuing to charge us an annual fee for the Equity Line, we found the "customer service" department to be nothing of the sort. They refused to look at individual account information or customer history, therefore our excellent credit rating, our history of paying double the requested amount each month, and our highly favorable debt to value ratio - even in a depressed housing market - made no difference whatsoever.

We have found this company's customer service representatives to be nothing more than automated script-readers. With great pleasure, we refinanced our home this spring with a cash-out balance that more than made up for the lost line of credit. While our primary GMAC/Ditech mortgage sent closing statements and an Escrow refund quite promptly, the handling of our Equity Line was another matter completely. It took several phone calls and a fair amount of detective work for us to realize that GMAC/Ditech owed us a refund of overpaid monies on the Equity account. Even though the line had been frozen and inaccessible to us for a year, GMAC stated that no refunds would be issued until 3 weeks after payment of the loan in full. When a refund still had not shown up 10 days after the supposed issuance date, we called again, only to discover that the check was printed on the 3-week date, but not mailed until another 5 days later. Unbelievable! We would most definitely not recommend this mortgage company to anyone else!

I got a mortgage from GMAC through Ditech.com. Everything went ok they set up an escrow to pay off old debts to help me secure the loan. Well it turns out one of the accounts they made a check out for has been paid already so i now am paying on the total loan which includes a check that i have never gotten funds for. I'm paying interest on money i never got. The $500 i never got is costing me a fortune in interest and when you call Ditech they automatically transfer you to gmac. Gmac says they have nothing to do with escrow checks and to call Ditech. I'm going in circles and not GMAC said they have no copies of the original loan document.

This is the most kookies company I have ever seen, the right hand don't know what the left hand is doing. I try to do a loan modification and was denied due to the fact I still had enough income, but guess what if you go through the process even if you are denied they automated paid your insurance and taxes if you do not have them in your payment, now how dumb is that. Why pay something for someone if you don't know whether their loan is approve or denied, well I finally got that straight out, it took two months and talking with a least 15 peoples in loss mitigation, insurance and customer services dept.

Then I went online to look at my mortgage again and guess what? they did another loan modification package on me in May and I call and question them about it and they stated that I request it. Now tell me if I was just denied in early March, why would I be stupid to go through another loan modification especially since I was denied back in March and guess what I was denied again. Now trying to straight this mess out.Please everyone if you don't have to deal with GMAC don't.

Ihave been unemployed off and on for 2 years, working at temp agencies and collecting unemployment. I have been trying to deal wit GMAC for about the same span of time. I used up all savings, 401K and investment monies to keepup with all my bills. GMAC had me fill out forms for a loan modification and sent it in. They told me several times that a part of the paperwork never arrived. I have resent paperwork to them over six different times. I have faxed, mailed and sent it certified and still have not been qualified according to their office. I have been stressed out mentally and physically by this one bill and wish I had a way of going to some other loan, but because I have not found a permanent job I can count on no one will work with me. I have begged, borrowed from friends and family and they cannot continue helping. I have received several default letters and have squeezed some money to try to catch up by selling junk off my property until I have nothing left to use. I am currently working thru a temp service but its a day by day thing as to whether I get to work. Please, if there is some place that has an answer to this dilemma, I appreciate it.

Their practices are horrible. My story is the same as many of the consumers on this site. I have been working with GMAC for a solid year now. Never once missing a beat with the forbearance payments. I had to initially beg for a lower payment. I supplied all info requested. I was told that it would take up to 90 days for an answer. This has gone on for 12 months. I ended up having to file chapter 13 while I was awaiting an answer from them, I needed assistance with other bills due to the economic downfall. We are self-employed; owning a moving company for over 20 years; and family owned for over 75 years.

Economy went kaputs and people either stopped buying houses or moved themselves when they did buy a house. GMAC suddenly completed my review an denied our modificaton. Nevermind that I never missed a beat in the 12 months and had just made a payment to them which was the first of a 3 month arrangement made by them. They cancelled the arrangement and increased my payment by $130 a month. What they are doing is horrible. The goverment really needs to do something about people like this. It is hard enough times without people jerking individuals around that are already to stressed! I am working with my attorney to see what we can do about how they have handled my account.

I contacted GMAC and they are unwilling to help me. Applied for loan modification did not qualify because of low income, the person on the phone suggested deed in lieu of foreclosure, sell my home. No help at all. GMAC must have alot of money they can lose because people are just walking away from their homes. I will never buy another piece of property in Florida/a car or other item that has GMAC attached to it. They are unwilling to help people who have difficult times.

gmac and well fargo

My nightmare started on feb. 2008 when my mortgage increased +700.00 I continued making payments till the end of 2008 by getting loans from relatives. At the same time I was contacting my mortgage company to get assistance and was denied in several attempts. I have been place on two modification payment plans and was denied. I now have an attorney which I have spent +5000 still not knowing if I am going to be able to keep my house.

GMAC has already been sued and lost a class action law suit over home modfication.

I submitted my home loan mod, and it has been 6 months. Eacxh day I am told my letter to modify is on its way.

like every one else my income dropped after i lost my job of 15 yrs, i work now but gmac are not willing to accomadate me and it sounds like they dont help anyone! i believe that i will throw in the towel and move my family to a rental home that i can afford and they can do what they feel is needed, the only thing that saves me is that my husband will not be responsible for the loan, so their is always away to rebuild credit. Economic i cant keep up on the bills with such a high interest rate or the payment anymore. i refuse to allow a company to cause me any more added stress with my type of health conditions.

Tried to call today to make a payment on my account and I could not even understand the person on the line. Spoke very fast with an Indian accent. Transferred me to another line which was yet another foreign accent. The last I knew GMAC was an American company so why do they hire so many foreigners to speak with their American clients? I know they outsource alot of their call centers but this is ridiculous. I lost the call on 2 occasions while they were transferring me. VERY INCOMPETENT! This is my fourth car loan with GMAC and each time the service gets worse! When they finally got me transferred I had to leave a message. Now here I sit waiting for a return call.

GMAC participates in the HAMP and HAFA home programs.

HAFA benefits are first, second lenders can no longer try to force a seller to commit short sale mortgage fraud by demanding payments outside of escrow. Additionally, junior lenders can receive up to 3% of the loan balance or $3K maximum to release the loan.

I have found a ready, willing, and able buyer for the property and while first lien holder will agree to short sale, GMAC will not. Property is scheduled to go to public sale on June 23, 2010. First lien holder (Nationstar) will not extend foreclosure date while I try to negotiate with GMAC. Nationstart BPO came in at #125K. Balance on first is $158K and balance on second is $38K. GMAC representative Craig Martin, as well as two others that have answered my calls have said they will are willing to get zero dollars and allow the foreclosure to take place before they will allow a $3K payoff.

As a second lien holder, above named indivudual stated that he requires $6K to approve a short sale and suggested options for that to happen: Seller pays it, buyer pays, or realtor pay out of commission - in or outside of closing.

I got laid off May, 2009. By November, 2009, I knew I would not be able to find a job in my field and told GMAC, my mortgage company. They put me on a mortgage modification program. For several months, I was to make reduced mortgage payments on time, which I did. I was approved for the modification in April, 2010. Two weeks after getting the approval letter from GMAC, I get a phone call from the company that is doing my PMI insurance. They called me because, according to GMAC, I was over $4000 behind on my mortgage, even though I have made all requested payments, in the requested amounts, on time.

I called GMAC about this. They say that they have not updated my account to show that I am current on my mortgage, and they will not give me any time line as to when they will. In the mean time, if anyone calls GMAC about my mortgage, it will say that I am over $4000 behind.

In April, I received a letter from GMAC saying that I am in default of my mortgage. I called GMAC...they said to ignore the letter...it is a computer generated letter.

Until GMAC chooses to update my account files, I am, according to GMAC (by the letter and phone calls to GMAC) in default of my mortgage. What can I do to make GMAC update my account? I understand that anyone who is getting a mortgage modification from GMAC is also getting these letters, even after getting approved for the modification. Their accounts are also being considered in default. Is the GMAC default letter considered mail fraud?

They know and admit that they have not updated my account. They admit that I am current on my mortgage. However, they still sent me a mortgage default letter saying that I am not current on my mortgage. My PMI insurance says that I am behind on my mortgage, even though I am not. Any one who checks on my mortgage account will also get the idea that I am behind on my mortgage.

I am a 67 year old retired veteran. I Served during the Vietnam era. Since that time I've been a hard working citizen, retiring just two years ago on my Social Security Benefits as I became unable to work due to my health. I have owned and lived in my current home the past 16 years and when I retired, I found it hard to keep up with my mortgage payments as many have in these difficult economic times. In January of 2009, I hired a legal firm, Arase Law Firm for $2500 who brokered a loan modification with the lender GMAC Mortgage LLC. I accepted the terms and began to make the new payment from February through November 2009, when in December, GMAC returned the November payment as not accepted.

I contacted GMAC and was told by the representative that my home had been auctioned, purchased by GMAC through their Attorney/Trustee The Wolf Firm, Irvine, CA. Regardless of my current payment status with the legal modification, I received no further explanation for this action, cooperation or communication from GMAC. The law firm I hired who'd set up the modification had disappeared without notice.

Having no way of accessing GMAC, I contacted the Wolf Firm myself and asked what I needed to do now to keep my home. Never once did they offer any explanation for why the foreclosure sale occurred despite my maintaining the modification agreement. The attorney told me that in accordance with the statutory redemption period I could purchase my home back at the current market value established by the lender. They instructed me to apply for a new loan with a new lender, and to send them a pre-qualification letter, a formal written offer to purchase back the property consistent with the fair market value to be established, and a letter allowing GMAC to inspect the property.
I was contacted by a local real estate agent who authorized by GMAC, made a fair market value assessment of my property. In

February, nearly two months after I'd contacted GMAC and their Law Firm, I received a brief notice informing me of the value of the property. I immediately sent the offer for the amount established by GMAC, a copy of my VA guaranteed loan certificate, and the letter they requested allowing GMAC to inspect the property. I RECEIVED NO RESPONSE!

On January 27, 2010, I learned an eviction was filed with a judgement on the 5th of April. I sent the Wolf Firm two more letters in mid April and in mid May imploring them to open escrow as we had discussed so that I could purchase back my home as we had agreed In addition, I have left messages daily GMAC Mortgage and the Wolf Firm... THERE HAS BEEN NO RESPONSE. The Sheriff arrived with a five day notice on May 27 two days ago I now have to find a place for my belongings, myself, and my three dogs by June 2, 2010. Today I have contacted the Wolf Firm once again trying to get GMAC to grant a 30 day extension while they continue to make their decision. Finally they contacted me via email stating that they would forward my request to GMAC and will forward me GMAC's response via email; it's been five days. This is my home, not a joke or stack of papers on a GMAC employee's desk. I've invested everything I have and had into my home. This is where I intended to live out the rest of my life in peace.

Being put through all that I have gone through this past six months has compromised my health. My blood pressure has been higher than ever even with medication; my doctor has serious concerns-that I'll have a stroke or heart attack if my circumstances don't change soon. I have lost so much weight that I've become extremely thin too worried to eat or hold anything down. I've never in my life felt more forlorn and depressed. I feel I've been taken advantage of with no place to turn for help. The only thing that keeps me going are my dogs. I don't have the strength or the energy to move; nor do I have any idea where I will go with my dogs. If I'm forced from my home on Wednesday morning June 2, 2010, I'm afraid it will kill me! Please Please Help!

GMAC's illegal practices with regard to my situation please do investigate these allegations! 1) GMAC continued to accept my payments Per the legal modification agreement, and illegally broke that agreement by having their trustee illegally auction my home in an illegal foreclosure sale when I had broken no agreements and been making my payments by the agreed upon due date. Thus GMAC had no right to have the house auctioned nor did they have any right to purchase it in the foreclosure sale 2) GMAC returned my on-time mortgage payment when they determined no payment was due because they had already auctioned my home prior to the payment due date. 3) In addition GMAC is required by law to assist any distressed borrower in setting up a new HUD secured loan prior to foreclosing with a HUD representative

4)In the event one ends up in foreclosure in spite of all the new safeguards, in California, lenders are required by law allow for the statutory redemption period of three to six months; they did not, having started the eviction proceedings against me not even a month after the illegal foreclosure sale. I followed the statutory redemption procedure and was completely ignored by GMAC. I am still waiting to purchase back my home in spite of GMAC's attempt for reasons I do not know to continue to viciously evict me from my home of 16 years 5) Federal law requires that any financial institution placing a homeowner on the streets through foreclosure shall be fined $1000 per day until the home is again occupied. I will see that for every day I am displaced from my home and it sits unoccupied, this fact will be reported to the proper authorities for restitution.

I'm have been trying to get a modification loan approved through GMAC for my sister, Sandra Spindle, who wants me to talk to her creditors on her behalf as she had to quit her job in order to take 24/7 of our mom, who has been diagnosed with terminal cancer back in August 2009. both my mom and sister are on the mortgage note so when President Obama approved a bill to help people with their mortgages due to death or losing a job, we applied on 5-7-10 to try and get their payments reduced as we all as a family are helping her with their bills.

I have spoken to one supervisor name Andre, who gave me his ID and told me he would monitor the account since the regular collection clerks have no decision making power. Well, I have left many messages on his extension to call me since my sister gets collection calls everyday when they're supposed to be calling me as they have a letter from her to do so. She is two months behind so I have been calling everyday to check to modification status but can't get Andre or a supervisor to return my calls, yet their collection clerks keep calling my sister so I'm very frustrated with them right now. They also return an April 7, 2010 check back for no reason at all so that put her two payment behind. We need to try and find a person in upper management to let them know how incompetent their employees are and I don't want them to repossess my sister's home.

Finally our realtor had to call them and they said they were selling in a couple of days with no notice we quickly moved out the next day and still up to now no sale has been done and its affecting us on renting a house until foreclosure has been settled, its been two months, I feel we were not treated fairly by GMAC mortgage...Cannot rent until GMAC decides to Finalize on foreclosure, until then my wife and two kids can only room board

These people lie to you, give you a price of what you need down and what your payments will be, what credit score you will need, then charge you $370.00 to have it appraised, which is what we told them what it's appraised for, and it was the same. Then they say they cannot do it. They lie about everything. I kept all the e-mails. Do not use this company unless you may want to lose money for nothing.

I was contacted in April of 2010, by a GMAC customer rep, telling me in an unprofessional manner that I needed to do a short sale of my home and I need to get with a realtor and get these forms sent into the company. So, I contacted a friend who I thought worked for GMAC Broker but worked as an independent agent. Well, she was not sending the information she was getting from me. It appeared she wanted my home to go into foreclosure. This way she could pay as little as possible for my home. Now that's cold.

I received a notification from GMAC Mortgage that I did not have homeowners insurance in Feb. 2009. I changed my policy holder to Tapco in late January with effective date of 2/6/09. GMAC reported me as not having insurance and they also paid my policy when Tapco sent them the notification (actually they paid it twice). I have been calling and communicating with Dawn, Lee, and several other people at GMAC including the supervisor at GMAC without success. They find the mistake and send a letter to the credit reporting agencies acknowledging the error with corrections made. But the problem still persisted.

I stumbled upon this problem when I tried to refinance my house in August of 2009 and get out from under GMAC. But the problems continue to arise every 3-4 months without avail of them completely resolving the issue. My insurance agent Eddie ** (**) with Tapco has even called GMAC and sent them the paperwork. GMAC continues to pay the insurance but still won't acknowledge the effective date and they continue to report me to the credit agency (ruining my credit rating). I am at an impasse as what to do. How many more people are they doing this way to collect funds and at what cost? Please assist me in trying to finalize this problem.

6 years ago, I re-financed my home through a local company. It was a 5-year contract in which I could not re-finance during that time. Very shortly after, they sold my mortgage to GMAC Mortgage. Before the 5-year contract was over, GMAC Mortgage contacted me a number of times about re-financing to a lower rate during the time when rates went down considerably. I called each time to try and do this. Each time I was told that even though it was their company, I still had to wait the 5 years. Last May (2009) when the 5 years were up, I called to try to re-finance and was told that according to my income, they could not do a re-finance, that I was not making enough money. The company that had given me the re-finance in the first place had done it without proof of income. I am a business owner and the economy along with some other issues have really taken a toll on me financially and in December I decided to apply for the mortgage modification program.

I am on Social Security disability for anxiety/panic disorder, and this modification process with them has me about ready to check myself into a hospital. First it was the constant "we didn't get this paper" or "we didn't get that paper." This was always bogus because I'd sent them the entire packet both by fax and also in an envelope through regular mail. Everything was included. I won't even go into all of it, but first they denied me for the Obama plan saying I didn't make enough to qualify. They let me send them additional documentation, then they said I made too much to qualify. In the interim, even though all of my taxes were current, they took over all of my taxes and paid them forward 6 months, obliterating the payment/budget plans I had set up with the city and the county. Now they tell me they'll try to get me an in-house modification, but sent me papers to sign and send back saying that I'll pay them $1,185 a month for 3 months as my "trial modification".

Before applying for the modification, I was unable to pay the $897 a month that was my mortgage payment. Now they're keeping this amount at the same as what I couldn't afford, plus wrapping escrow into it. The bottom line is that if I could have paid this amount back in November when all of this started, I wouldn't have applied for a modification in the first place. Now they're telling me that in order to be able to get a modification I have to be able to pay what I couldn't pay 3 months ago before they can look at lowering my rate and my payments. With them having paid my escrow forward rather than me paying it myself as I always did on my budget plan, they've put me in worse financial straits than I was in before I applied for the modification. This makes absolutely no sense to me and they don't seem to see how ludicrous it sounds. They refuse to let me speak to a supervisor, and when I get upset they hang up on me. How can this company get away this? Finally I was told that I'd been denied because I didn't have enough income to pay for even a modified amount. During this time I'd been making the forbearance payments without a problem.

Despite my taxes going down, GMAC has estimated them and raised my monthly payment close to $300.00 a month. I sent them a copy of my taxes for 2010 and feel the payment is still too high as they lowered them by only thirty dollars.

I have applied for a loan modification 5 times since July of 2009. GMAC never gave me a written letter of denial for any of my three attempts to get a loan modification in 2009. Furthermore, they told me I had to be in default and have less than 3 months worth of mortgage in the bank to qualify. This is not stated anywhere on the government websites making homes affordable or on financial stability.gov. When I asked for them to mail me the guidelines, they told me they are black on white on their website which has no mention of this.

Moreover on April 7, 2010, they told me that I passed decision 1 and qualified for the HAMP program with a debt to income ratio of 39%. This is well above the 31% required by the government program without extending my term loan to 40 years or principal forbearance on my loan. Here is my mortgage tax breakdown as follows. Current principal balance on the property is $228,000, my taxes are $6,700 year or $550 per month and homeowners insurance is $1,080 per year or $90 dollars a month. GMAC my current income to be a total of $3793.75 per month which is $430 per week for unemployment and $1600 per month for a room renal which I rented to qualify for the HAMP program. At 2% interest rate at $228,000, my modified loan would not accrue to more than $500 per month added to my taxes as homeowners insurance (550 taxes and 100for insurance) leaves me at about $1,100 per month if the modified loan was given.

They told me I passed decision one and qualified for the HAMP program only to later deny me stating I did not meet the 31% as outlined in the gov plan. How is this possible when I was told I was at 39% and my monthly total bills at a modified rate of 2% would be $1,100 and is well above the HAMP guidelines of 31% being my stated income is $3793.75. They would not go into details of how they calculated my denial stating they do not have access to that information and only the loan analysts have that information and I could not speak to them. If I passed decision one, I obviously qualified and told me I don't understand how the plan works without being able to go over the calculations or explain how they came to this determination.

April 23, I went to the emergency room after months of being stressed out dealing with GMAC sabotaging my attempts to get a loan modification. I had a anxiety attack and felt like I was going to have a heart attack from all the stress of being lied to and GMAC not being able to explain to me how they made their decision. All they do is tell me to sell my home because it is unaffordable. Dealing with the uneducated customer service, loss mitigation, loan servicing, loan modification, and loan resolution has driven me to become depressed by not giving clear answers or explanations to how they made this decision. All they do is give me the runaround between the different departments without one of these departments being able to go over the guidelines of my modification.

Thus far they told me I don't understand how the making homes affordable plan works or the equivalent to being incompetent. I would just like clear answers which they tell me are not mathematicians and can't calculate how I don't qualify any help I would like to sue as I do meet the guidelines of the making homes affordable program. This is a company who took three bailouts to the tune of over $54 billion dollars and does not want to help when they are insolvent and continue to cry wolf and ask for additional money. Severe depression from being given the runaround leading to a panic attack causing an emergency room visit which cost me $475.00 on April 23 2010 and continued stress and aggravation from being lied to.

We got the loan modification with GMAC Mortgage on 04/14/2010, but they first said that we haven't been approved with the Obama's plan and they did in home modification. The payments are still high and the balance was not reduced. We received very weird loan docs to sign, it says no notary is required and no record is required. It sounds like a scam or choke. What we should do? We don't want to pay more money for nothing. We already pay the prepayment plan for the Obama's plan and they said we didn't qualify because the income was not enough. What the Obama's plan is all about?

I recently refinanced my home and the loan was financed through GMAC mortgage. With the refinance of my FHA loan, I obviously have my escrow account set up with them as well. So, my new loan is only about 4 months old. When the refinance took place, they estimated my escrow payments based on what I paid last year in taxes and insurance, etc. When it came time for my insurance to renew, it went up again, consistently over the past few years since I live near the Gulf of Mexico in the Houston area. So, I decided to shop around. I found a much better rate on my homeowner's insurance from a well known company. My insurance dropped $1100 for the year.

Shocked, I called in and talked with a representative for over an hour trying to get him to understand that if my insurance dropped by $1100, then they either miscalculated my escrow payment in the first place, or they have way too much money sitting there. Since I have an FHA loan, I cannot cancel the escrow account and manage it myself and the conversation got me nowhere! This doesn't seem right that they just sit on the money and draw interest when my insurance literally dropped more than $1000.

Unfortunately, I have had the same complaint as everyone else has with GMAC. I was laid off but managed to find another job at half of what I as making. I was approved for a trial loan modification and made the monthly payments for four months. I was told I should be receiving a FedEx package with my loan modification information but never received it. I called them again and was told I was denied the loan modification. I repeated this process three times with the same results. I have hired a lawyer because they are in no way even helping with the Obama modification program. Aren't they suppose to use the 31% income ratio if you have a job?

Well, I sent another analysis form in a month ago and received a call that I was approved for a "Traditional Loan Modification," which means I get my rate at 2% for the first five years and then it increases a percent each year after that until I reach a max of 5.75%. I am waiting for my paperwork (if I ever receive it). I am definitely having my lawyer review this paperwork when I receive it because I just don't trust them. Someone has to be aware of this company and what they are doing. Bank of America seems to be reaching out and helping their folks. I don't understand. It really sucks.

After three tries at a loan modification, it was denied. When I applied for the first time, they had my previous name, which I had requested be changed on the final loan modification documents. I could not get the documents notarized. They said that I had to resubmit the whole package. The second time, the loan modification was too high, I couldn't make the payments. I had undergone a blood and marrow transplant last October 30, 2009 due to chronic lymphoblastic leukemia diagnoses. I had retired because it was just prudent for me to do so. The third resubmission of the loan modification documents was denied last April 13, 2010 because my retirement income was too low.

My retirement income is $1,945--net $1,748. I was a state worker and my pay decreased due to the 3 furlough days imposed on state workers--that was 15% decrease off my pay. They repeatedly asked for documents that I had already sent. They are so dysfunctional at GMAC. No one can tell you anything. So bankruptcy, here I come! GMAC should be held accountable but because they received federal money, they don't care.

My loan is $240,000; the value is $148,000. One house over from me was sold for $110,000 and the previous owner tore everything of any value out of the house. Now, he lives about eight houses away from me in another home. Figure that one out! I have lived in this house for 15 years, always paid, I have owned five other houses and sold them to my ex-husband 15 years ago--but kept one house for me.

I worked for the state of CA for 25 years, go figure. I can't even have a loan modification done now that I am retired. If they hadn't ** up the first time with the name change, I would have been able to afford the loan modification. But then things changed. I went into the hospital for the transplant in October 2009, 100-day stay, some in the hospital, some in hotel or apartments. I had to be in the "safe zone" of Stanford so that if any complications, I could be at the hospital in 20 minutes. Bay area hotel, motel and apartments are very expensive.

I got reimbursed from my insurance but still had out-of-pocket expenses for the illness of nearly $15,000! My Stanford bill that Kaiser has paid has reached $1.5 million! I'm afraid the billing only showed through February 2010. I just don't understand the logic of GMAC. Like I said, they are dysfunctional over there. They couldn't figure out the "hardships" that I had.

My brother who is fighting for this country in Iraq was my donor match. I went through the Services for the Armed Forces by the American Red Cross to get him out of Iraq so he could donate his blood and marrow for my transplant! How sad this economy is that the banks make out but the individual loses in the end, always.

I'm trying to get a loan modification from GMAC since 2007. I was told we had to be in default before consideration. We made payments on time until December 2009, when our payment more than doubled as a result of a variable rate and an escrow account for back taxes. In November 2006, I was injured on the job and had to file a worker's compensation claim.

Over the next 3 years, I worked only 18 months in my union. I filed an injury claim, as my injury worsened; and after fighting the insurance company for 2 years, I hired a lawyer. More than a year later, I received the surgery I had needed at the time of my original injury. My level of disability is yet to be determined. As a result, we could not make our mortgage payment and property tax payment as well.

I tried to begin modification process again last fall. As a result of my surgery, I am disabled and cannot return to same work, but I am finally receiving loss time benefits.

After the last 3 years with little work, our savings depleted. We thought we could continue the mortgage and perhaps refinance our loan. But the income is considered non-verifiable as there is no specific reward amount. When GMAC paid the back taxes, this created an escrow account that caused our monthly payment to more than double for December 2009. We missed our first payment in almost 5 years.

We re-applied for a HAMP loan modification. After a lot of missed information, we were turned down because we didn't have verifiable income, but was put in for the GMAC in-house program. I got a letter that documented the benefit amount and duration, so I called back the next day and was told we did not qualify for the "in-house' program ,because we made too much money! You can't have one without the other! GMAC talks out of both sides of their mouths.

After showing GMAC the contradicting statements, we were re escalated to the HAMP federal program again! To call back in a week. During that week, I noticed that I did not receive a home owner's insurance bill, so I called and was told that the premium had been paid in full and that I would be getting a refund of last month's payment.

Later that day, I received a letter from GMAC that said an escrow account had been set up for the payment of my homeowner's insurance. I did not understand and called GMAC. They told me that it was a good sign, that we were still escalated and that all seemed to be going in the right direction and not to worry. We had been told the same thing last month, only to be denied for conflicting reasons. I had planned on calling GMAC tomorrow, Monday, April 12, 2010. But...

On Saturday, April 10, 2010, at 11:40am, a process server knocked at my door and presented me with papers, saying that if I did not pay $10,492, my home would be auctioned off on the county court steps on August 25, 2010. A while later, our postal carrier came to the door with 5 registered receipt and requested that I had to sign for. Each one had been opened and had paperwork to apply for a modification and a similar notification of impending auction. There were 5 more in our mailbox. It all but destroyed us. I have spent hours and hours, days and days, filling out forms, faxing off documents over and over again (over 80 in all).

We have been lied to and manipulated into making a $2000+ payment in February for December 2009. Our original loan was through Equifirst, who sold it to Homecomings, now GMAC, yet the seller on the paperwork is listed as Equifirst. We never made a payment to them as they'd sold the loan to Homecomings before our first payment was due.

Our story seems to mirror many I have read about GMAC. What they are, and aren't doing is wrong! Our home is not a place of solace as it should be. The pressure is enormous. I'm still in physical therapy, but feel that recovery has been slowed as a result of the smoke and mirrors that GMAC seems to function on.

Now our letter carrier, and likely, the whole neighborhood know our business and added pressure! We are afraid our son who is currently deployed overseas will not have a home to come home to, God willing, he does come home. What kind of country is he defending? We are depressed, stressed to the point of being ill. Our home needs repairs we can't afford. Even with my time loss income as a result of vocational rehabilitation benefits, our income will drop to less than half of what I made at the time I was injured.

There has been no consideration for that eventuality whatsover! This is the only home I've had since leaving my childhood home in 1976 and will likely be the only opportunity I will ever have to buy or own a home. Losing this will ruin my opportunity to even rent. We have dogs and a lifetime of memories stored here as well as our son's Jeep he left with us while he's overseas. It's not just the not knowing. That's bad enough, but when multiplied by the FUBAR that GMAC spills out, I have trouble sleeping, let alone healing.

After losing my job, I continued to make payments as long as I could. I notified GMAC in September and advised them I was in a financial situation where I could no longer afford to pay them. I did not want to go to collections, nor could I sell my home. I did want to honor my responsibility and asked them if they would take a settlement offer. After countless hours of calls, being put on hold, speaking to 30 different people in several departments, I'm still nowhere. They made me send in my paper work three times, their supervisors are rude and are willing to help me, or transfer me to someone who can help. They have started to call my house daily starting with the first of every month asking for payments since they have been late for the last several months, but again, when I called them back, nothing.

We received a 3-month trial for a repayment plan on our mortgage, which we are paying on time. We also had lender placed insurance on the home at this time. We had a claim due to roof damage from storms to the home. Having lender placed insurance Balboa Insurance sent the check to GMAC. The repairs were made, inspections were done to show repairs made correctly. All documentation that GMAC asked has been faxed and refaxed to satisfy them over and over. Now we are told they are waiting on some type of header from some department there as to who to make the check out to. Well, it's been a month now and we consistently get different answers from each person we talk to.

Today, I was told that someone from the expedite team would call me. Well, guess what, I waited all day and no call as usual. They did say to call tomorrow if I did not get the call today of which they knew right then I wasn't going to get. Since we used funds to make the repairs to the roof immediately to prevent further damage to the home, GMAC has now put us in a financial bind worse than we were by holding these funds. We should have just let any rain or whatever pour into the home instead of trying to do the right thing. We don't understand why when they have a statement from the contractor that he was paid in full that it's not obvious who the check should be made out to.

Our loan status should not have anything to do with an insurance claim as we have held up our end of this repayment plan. We assume they are going to try to cheat us out of this money that was paid to them by Balboa Insurance somehow of which I am sure they will find a way to do. Watch GMAC closely. They take and take, it seems, with all the government bailout money that they were given. You could at least get someone to listen to their customers with the complaints about this company, but I assume our local elected officials are too busy finding another way to hand them more money to ** homeowners and of course GMAC already knows how.

March 15, 2010, made the 2nd payment in my payment agreement with GMAC as agreed. March 16, 2010, two men approached me in my yard stating that they had just purchased my home (of 13 years) in a trustee sale. I told them I did not know what they were talking about, and asked them to leave my property. One of the men turned to me and said "you're going to have to deal with me sooner or later, why not now?" I asked them to leave then informed my wife, together we called GMAC. GMAC stated emphatically that they could see our payment in the system as well as our our payment arrangement, everything was O.K. "There is no sale date for your property and their has been no sale activity." We were told that they (GMAC) had idea who the men were, and that they were not anyone from GMAC.

The next morning, my wife received a visit from Brian M owner of ("Foreclosure on the Steps") who handed her a "3 day notice to quit" my wife told him that we had contacted our lender, and confirmed that we have an agreement with no sale date. Mr. M stated that he checked and the sale is valid. My wife asked for his card and he stated that he only represented the investor/buyer. We immediately placed a call to GMAC where we spoke to three separate agents who all confirmed "no sale". We insisted that a supervisor contact the trustee (Executive Trustee Services) who said, "Yes the property sold on 3/16/2010. "

Needless to say, GMAC said that they made an error however the Attorney General's office is not so sure since they have filed recent lawsuits against other major Banks for this type of conduct. After reading these comments, I would encourage all of you with these types of complaints to report to the Office of Corporations. If they get enough documented complaints, they can refer to the Attorney General for investigation and prosecution. We have been told that our sale has been cancelled and not to worry about an eviction from this entity (purchaser), however they have not put the sale cancellation in writing for us. Something is very wrong and we all need to take immediate action. We have been told that the trustees are basically on auto-pilot. This is unacceptable and we must improve our legislation to prevent this type of circumstance.

The State of Florida has enacted an emergency amendment to their foreclosure procedure to force the foreclosing entity to prove ownership of the note and document the notice attempts to the homeowner before they can be granted a foreclosure. Where are our legislative entities while this is going on? Why don't we insist that they take action on our behalf and stop this right now? The precedent has been set, other states are doing more to protect the homeowners from these types of threats. We need to insist that our states do something and not wait for the Federal Government to act on our behalf. This type of liquidation is happening under the radar.

I was laid off December 31, 2007. When I was let go, I had some money in savings as a safety net. I continued to pay my mortgage payments for over a year. Around March of 2009, with no jobs on the horizon, I knew I was going to default on my mortgage. Ultimately, after close to two years of unemployment and no jobs on the horizon, I was forced to retire and sign up for Social Security. As the former CEO and President of a corporation, if I lacked expertise, I went out and bought it. I made some inquiries about companies to help me renegotiate my mortgage. It came with a recommendation from my daughter.

I contracted with them to represent me to GMAC. Then I waited seven months. When I was served with foreclosure papers, I had a sudden huge awakening. I contacted GMAC and found out that the company I had hired actually had done nothing. I pulled authority from them and made application myself for an HAMP loan modification. I have other sources of income in addition to my unemployment. My gross monthly income was around $4400. I looked into the HAM Program, and calculated that if my interest rate were dropped to 2% (within the guidelines), and 10 years added to the 15 year term (also within the guidelines), that the mortgage payment could be lowered to the HAMP target percentage of 31%. The payment would have been $1364 instead of the original $2289.

In my hardship letter, I laid out my situation completely, but I think I made a mistake. I told them that on average my disposable income was about $2000 more a month than my expected documented expenses. The point I was trying to make was that it was obvious I could not afford the full payment of $2280, but I could afford the HAMP payment of $1364. Several weeks later I got a phone call from GMAC telling me that my trial modification was approved. The payment amount would be $1899.78. Let's just round up to $1900. I questioned the woman who spoke to me about that high amount. She told me that I had no choice. I could accept it, or reject it. If I rejected the trial, I would be refused any other chances for the HAM Program. So there I was faced with foreclosure if I rejected, but if I accepted, I would be locked into a payment amount that was 95% of my disposable income, or 45% of my gross monthly income.

A payment that high would guarantee that I would be back in default in a few months. The target percentage according to the guidelines was 31%, but I was being charged 45%. When I was told of the trial modification, I had only three days to get the first payment in. I sent the paperwork over to my attorney, and when he did not get back to me in several days, I had to make a decision quickly. I made the decision to send in the first payment. The next day, my attorney called me back and advised me not to pay.

The payments were grossly out of line with the programs target. I wrote to GMAC asking to reopen my case and to be reconsidered according to the programs guidelines, and then I refused to make the next two payments. Since then I have been going round and round with GMAC. They keep pointing to my failure to make the second two payments, and I keep pointing to their failure to play by the federal guidelines when they offered me my solution. I acknowledge that I refused to follow through with the trial modification. They refuse to acknowledge that they did anything wrong.

That is the short story. My situation now is that because I rejected the modification and refused to make all three payments, GMAC is refusing to reconsider me under the President's program. I am resigned to losing the house, but I do have one more shot at it. I am on a letter writing campaign to every legislator I have, and in addition to every suit I can find at GMAC. One glimmer that I have is that in 2007 I refinanced my home of 20 years with Quicken (There is another basket case). My property consisted of two tax parcels.

The house was on one, and a garage on the other. Several years ago, I gave part ownership of the property to some friends. Unknown to me, this action resulted in the deed being split and recorded in two different books with the county. When Quicken wrote up the mortgage they failed to research the deed properly and wrote up the mortgage on only one of the tax parcels - the one with the garage. I had no idea. Quicken sold my mortgage to GMAC. In the course of my dealings with GMAC, I had my property surveyed. The surveyor pointed out to me that the mortgage was secured by only one tax parcel, and that the cheaper of the two. I took this information to my attorney, and he agreed it looks like I own the house outright because there is no lien against it.

But my desire is to save the property. I had my attorney offer to GMAC that I would voluntarily submit to placing both tracts on the mortgage, thus curing their collateral problem, if they would simply go back to square one and follow the HAMP guidelines. So far they have refused. The glimmer is that if they do go ahead with the seizure, they will get only a garage that has no water (comes from the house), no electricity (comes from the house), and no sewer (septic is on the other tract). If they can sell it (it is landlocked) they will get maybe $15,000 for it.

Subtract out the average cost of foreclosure of $60,000 and the seizure will wind up recovering a loss of $45,000. If they continue to refuse, I will wait until their attorney's fees are maxed out, and then, when the inevitable is imminent, I will file for bankruptcy protection. I told them I wanted one thing and that is to preserve my home of 23 years. Why do I have to force someone to obey the law and do something that is beneficial to themselves in every way?

GMAC has dragged out my modification for September 2009 through March 30th to finally say I was denied. This company is not honoring Obama's plan. They are extremely difficult to deal with. I went through the same as all other complaints that were listed. This company needs to be straightened out by someone with authority. I can not believe that they are able to get away with this type of work ethic. Now I am searching for help and having to start over once again. This is very stressful. I am a single mom with two children and no one to turn to.

After reading other peoples' stories, I felt like I was reading my own. I started trying to modify my mortgage in October of 2008. Filled out all the paperwork (hardship letter, etc.), submitted all needed paperwork (pay stubs, tax returns, etc.) and honestly thought that I would receive help from GMAC. How stupid was I?

Weeks went by and then I received a letter that my tax return wasn't received. How did they receive the other 14 pages I faxed, but not that? This would happen 3 more times. Always different pages missing from my faxed information and no one would speak to me over the phone about this. I would have to wait for a letter to be sent. After 6 months of this and dealing with some very nasty customer representatives on the phone, I received a letter that I was denied. That was it. No explanation, just that the lender had denied my application.

I have found in dealing with this company that no one knows what they are doing. You can never talk to the person that called and left you a message. Every time I called and tried to get help, I would get a different answer. I continued to make my payment, only I was 2 months behind for the next 6 months. I then tried the pay back plan where my mortgage payment increased for 1 year and in that time, I would pay back the amount I was behind. I told the girl (yes probably all of 18) I could scrape up and extra $350.00 a month. She did the calculations and that wouldn't work. I needed to pay and extra $500.00 a month to pay it off in a year. I laughed and said I can't afford my mortgage payment now, how am I going to pay that? She said, it's this or foreclosure. I was able to make 2 payments and fell behind again.

I was immediately put into foreclosure proceedings. I had 30 days to come up with $10,000.00 or I would go into foreclosure. I am so frustrated! I do not want to lose my house. I worked very hard to get where I am. I got out of a horrible marriage and had to move my 4 kids into my parents house and finish school before I could get my home. I love it and I don't want to leave it. GMAC now refuses to accept payments from me and I wait everyday for the sheriff to show up with my foreclosure complaint.

To say I'm stressed is an understatement. I've had migraines so bad that I had to leave work and miss days. I've tried to work with them. They keep stating on their website and in any paperwork, I've received from them that communication is vital to work with them. That not returning their calls is only making the situation worse. How? They don't want to work with me or anyone else it seems. When you do talk to someone from GMAC, they are usually nasty and not helpful at all. I've gone to an attorney and my options are Chapter 13 or NJ has a mediation review I can go to once I receive my foreclosure complaint, that should be able to help me. All I know is that I wish my mortgage had never been sold to GMAC or that I had never heard of them, ever!

My story is so similar to thousands of others I've heard about or read on this site that I won't go into detail. Since applying for a loan modification, which I know I should qualify for based on the federal guidelines, I've been harassed, ignored, treated like a criminal, and forced to jump through hoops by this company who obviously is trying hard not to do a damn thing to help me through this period of unemployment. I've been told that the same documents had to be faxed over and over. Some were never received even though I have confirmation, or lost or whatever. Some are there in their computer as a closed file because they disqualified me then closed the case.

When asked why they didn't open their files and add to the new application I get a dead air sound on the phone. They all seem to have the same answers (or non-answers) and the same total lack of willingness to help. They constantly mute their phone so the voice is in and out, they give conflicting and/or incomplete answers, both of which lead to disqualification and starting from the beginning. They make you feel like a hamster on a treadmill that they keep turning the speed up on! They reviewed my escrow acct and found I needed to make up for a past tax hike and place my insurance through them adding several hundred $$ to my monthly payment. Raise my payment? You read that right! You're trying to get help and they crap on you and rub it in your face. They do this so they can offer you a few hundred off your monthly payment based on this new inflated figure they fabricated!

My blood pressure is high for the first time in my life. I've broken out in hives. I spend 2 hours a week on the phone getting nowhere. I've read that Atty. Generals' offices have thousands of similar complaints and are unable to do anything about it. They offer a small cut then send a negative report about you to the 3 top credit reporting agencies so that when they force you out of your home, you won't qualify for a loan again. They are building a fortune in bank-owned homes on the backs of the tax payers who paid to bail them out with billions of dollars against our will. Why didn't the feds just lower our interest or make grants available to low income homeowners? It would've cost a lot less and we'd be in better shape as a country now.

Oh my where to start. I bought a brand new house in a brand new neighborhood and put about 17k dollars down. What a relief right? We moved from Mississippi to Texas after hurricane Katrina. We did not escrow (cause we put a lot of money down). Our first tax bill was 700 dollars no big deal. Never in my life did I think the second year our bill would be 6K dollars. We did not have 6K so we escrow.

But the mortgage company makes you do 2 years up front our payments went from 1020 to 2100, not exactly GMAC's fault but never the less I called, got payments lowered to 1879 a month for two years. My husband and I got a second job and made those payments for 1 year. Hurricane Ike came along and boy was that a mess trying to get our insurance money from GMAC to fix the house but that is a different story. It's the same ole same ole.. send in this and call back in two weeks and two weeks turns into 2 months. So after Ike, my husband and I had to give up the 2nd job hours changed. I called to make a loan modification and was told we did not make enough money to be approved... Isn't that the point!

So after Obama established the hope for homeowners, we were approved for a new payment of 1426. Due December 23 and is was good for 3 months. I paid on December 23 the 1426. But low and behold, they drafted out the org. payment of 1879. In January, I called for a refund and I was told that I would receive my refund in the mail soon. Wow, they actually did send it but I was told on phone that my loan modification was changed. Nothing due in January and February, March and April 1659 would be due, whatever, over it at this point.

So I called in on February 15, stated that we don't get paid until the 26th and I wouldn't be able to make it on the 23rd. No big deal. I was told it would be notated on my account. I received a certified letter on the 25 of February that I did not make my timely payments and all due on account was due within 30 days. Please, please never believe anything that someone tells you from this company because you can ask 3 people the same question and get 3 different answers.

Of course I called in and they said, well, I am sorry that person said it was OK to pay on the 26th but that was wrong. Ok, whatever. Now what do I do? I was told I could make the entire payment of 14k or 1879 a month and that would prolong foreclosure for 30 days. Wow! GMAC thanks for the help. I totally agree with the gentleman below, they are going to find a way to get your house anyways so I am done trying! I am tired they have beat me down for the last 2 years and I cannot do it anymore. Oh yeah by the way, if your payments are 1879 and you have 1600 to pay, they will not accept it. What company wouldn't take something! And every time someone rides by your house to inspect the property that is tacted on your bill as well... I told them I would email them one to stop sending that lady it was cheaper!

Nothing good comes out of this company. I only wish I had done research before I signed up! What a complete nightmare. They never returned any phone calls and of course never tell you everything you need to send in the first time you ask. And of course you have to wait 30 days to hear back, well after you call them they don't call you. I hate to say it too but move on! We all in the same boat and after reading others problems, now my family believes me that I am not making this crap up I have proof! Never in my life have I gone through anything like this with a company and sadly I'm not going to be the last one either.

So I hired a license contractor to redo all of the work again.

The house was inspected the first time and approved at 90% finished when I did the work. I was told I needed written permission from my ex-husband to talk to GMAC as I was not the homeowner. Then I was told to send the divorce decree that showed I was awarded the property. Then I was told to send the Quit Claim Deed, then I was told to send an Affidavit from the Homeowner, then I was told to send the Contractor's Affidavit, then I was told to send an Affidavit of Completion. Then I was told it needed another inspection after I was told the first inspection was invalid. Then I was told I did not need another inspection.

Then I was told I needed another statement from the insurance company showing another full description of the authorized repairs even though the insurance company sent one on Dec. 11, 2009. It was not recorded until March 18, 2010. Then I was told that all was o.k. and the final draft was being sent. Still haven't got it yet. Then there is the mortgage issues. I have had almost all the same complaints as all the other people complaining. I finally sent them the Produce the Note form for full disclosure on the note. I requested a response in 30days or the note was not considered valid. I requested an "original" wet ink signature viewing of the original note no copies. GMAC responded with copies and stated I appeared to be challenging and questioning all aspects of the alleged loan.

I am now getting an attorney to help me with further action. I still never got paid for the work I did on the repairs. I think since I am now not on the note as a co-borrower even though they used my home prior to marriage and my income as collateral on the loan I am going to put a lien against this property. Let them try to foreclose or sell this property with a lien on it. Since they cannot make up their minds if I am a "homeowner" or not.

My alleged loan "note" when it was sold by Homecomings Financial was stamped "Paid in Full" when GMAC bought it out. My alleged debt was at that moment paid in full according to GMAC when they bought the note. I had no first contract with GMAC. Since they are a "stranger to the transaction," they cannot collect on an alleged debt I did not incur with them. My debt was with Homecomings not GMAC. I did not agree to sign up with GMAC or their rates.

If more of the public was aware of this fraud perpetrated on victims by predatory lenders, it would stop this fraud. The United States Constitution states and the law state that unless the bank itself "loaned" me cash backed by gold or silver it is not a loan. Then the banks have the nerve to get a tax deduction on the interest I paid to these shysters. We all think we are at their mercy and we are not. The law is to protect the public from this kind of fraud. The judges/magistrates in FL. are now telling their pettyfogger, shyster attorney's not to even come into their courtrooms without the original wet ink signature document proving ownership of the note. Hats off to them. Please start informing the public and victims of these despicable companies what their rights are according to the law itself.

I have resolved an issue with G.M.A.C. and I tried to send it back to you from my e-mail. But I need your e-mail address.

When the real estate markets crashed, I called GMAC mortgage to see if I could get a rate reduction and lower payments! GMAC told me about a program they offered, the Obama stimulus plan/loan modification! I thought they were helping me get a rate reduction! They sent me forms to fill out. They asked me to fax. I did fax. They confirmed. They set me up to make trial payments. I made all payments as instructed. They sent me letters telling me I was in default.

I called GMAC. They said I would receive letters not to worry. The letters were only a formal procedure to implement the program loan modification that my credit wasn't in danger of loss or damages! So, I believed that lie! They had me behind on my mortgage, even though they told me to make the trial payments. They reported me to credit agency. They threatened foreclosure! I paid an attorney a fee to help me. We thought it was resolved. I caught up all fees/payments. They (GMAC) keep sending me letters saying I'm behind, in default! I've paid my payments on time! They say they didn't receive payments! My credit union said they did!

I had requested a loan modification from GMAC Mortgage and was approved. The paperwork arrived and they stated they needed it back the next day but would not disclose the interest rate. I called Loss Mitigation numerous times, spoke to many different individuals which I have kept track of. They stated that they would send new paperwork with the information disclosed. Of course, that has never showed up.

Then today, 3/19/2010, I received a letter in the mail stating that my account is in default. I have never missed a payment to GMAC since I have had the mortgage as well as I can provide my Bank of America statement all the way back to 4/2009 showing the monthly deductions. GMAC can't quite realize I am not like the other households. I have every communication as well as have taken notes of each conversation. My concern is they are stating a default when I have paid my payments on time and don't want a negative impact against my credit score.

Affect credit rating by stating a default on mortgage when in fact I have never been late and can provide proof of such from Bank of America showing the monthly withdrawals for the mortgage for over the last year. Bank of America has stated that if needed they could get all the way back to 2006. I would like to file a lawsuit against GMAC.

Well, after applying for a loan modification on a VA loan in all of the conversations I had with them, they failed to tell me that I can get help from the VA. This has caused me mental stress and high blood pressure.

GMAC asking for flood insurance. I placed flood insurance with State Farm for $70K ,they asked for $68K. They placed their insurance premium at $1,060.00 and cost me $200.00. GMAC returned a letter saying that they will not accept my insurance. I want association flood insurance Assoc. It has no flood insurance in effect. GMAC's insurance of $68k @ $1060.00 is acceptable, but my insurance of $70k @ $200.00 is not good for them. It seem that all they want is the over price charge.

GMAC dba Ditech has held the mortgage on my property since 2001, and refinanced mortgage in 03 and 04 for lower interest rate. Currently at 5.5% since 2004. In April of 2009, I requested a refinance to consolidate a credit card debt, this is the first time in need for this type refinance due to an error on an over phone payment which increased my card rate from 8% to 28%, increased minimum monthly payment from $630 to $2,250, which I could not afford. This was on a card that I held since 1994 an always paid every month to 0 balance.

I'm a home builder/Farmer down on his luck with an 815 credit score and was denied due to an unacceptable property type farm land. This was never an issue before. I have over $500,000.00 equity on this property which I only owe $133,000.00 on. This refinance would enable my wife and I to illuminate nearly $2,250 monthly, that Bank of America US Air Visa were charging us. Now US Air is with Barclay's Bank US Air Mastercard . I feel that I have been wrongly denied for this loan and that at today's % rate would only increase my monthly payment from $857.00 to $913.00, a mere $50.00 would have saved nearly 2,200.00 monthly. I have a long track record of credit worthiness and do not deserve to be hung out to dry like this .

I have been sick over this nearly a year now, they have ruined my credit along with my livelihood. I have always been financially responsible and a productive citizen generating much property tax revenue from contract and spec. homes feel that I have reached the end of my journey seems. I have always been very conservative, the only payments I have are my mortgage and 6 months left on a $200 monthly auto payment. I ask you for your help please . Thank You.

GMAC Mortgage Corp. has serviced our mortgage since 2005. In November 2009, due to my husband's periodic layoffs from his employment, we fell two months behind in our mortgage payment. The GMAC customer representative that I spoke with asked if we would apply for a mortgage modification through the Obama Making Home Affordable Program. I confirmed that we would, and a packet of paperwork arrived approximately 15 days later.

I filled the paperwork out and included all of the requested documentation, checking twice to make sure that the packet contained all of the requested information and documentation before mailing it back to GMAC Mortgage Corp. in Waterloo, IA by USPS Certified Mail, Return Receipt Requested. GMAC received the packet on December 28, 2009. The main form in the packet for the MHAP stated that we would hear from a GMAC representative in two to four weeks to let us know if we got approved for a mortgage modification. We should have heard from GMAC by January 28, 2010 regarding our modification request, but we haven't received any word about our request.

In the weeks since our packet arrived at GMAC Mortgage, we have received nothing but the runaround from this company. We have remained two months behind in our mortgage payment since we can make only one payment at a time. The collection calls twice a week, and collection letters continue even though we have explained our situation over and over again to each representative that calls. Even though they have notes and information in their system, they still insist that I repeat everything from our mailing address to our middle names again. Each time I ask about our modification request, I get a different story; the paperwork was never received, it got lost or the paperwork did arrive but no action has been initiated on our modification request, information is missing. We have heard no less than seven different stories from just as many customer representatives.

Today, March 17, 2010, a representative called again about our payment for February which is scheduled to be paid through their website. I again had to repeat our personal information, and I asked about our modification request. The representative informed me that a letter has been sent out to us stating that GMAC needs updated information, the same information that we provided nine weeks ago, plus a six-month profit and loss statement. I asked why the information that already sent in has not been acted on and she stated that they need updated information. We went back and forth and she still didn't seem to understand, or want to understand what I said to her.

We already sent the requested information in. Why has that information not been acted on and why does it need to be updated nine weeks later when the initial packet that we returned has been ignored? Why do they need a six-month P&L statement now, and not with the initial packet of information? She insisted that we have to provide new information plus the P&L statement and then we will hear from a GMAC representative regarding our modification request within 15 days after the new information has been received.

The GMAC song and dance sounds very much like other mortgage servicers and banks that jerk their customers all over the place over mortgage modification requests. It is amazing how the banks and mortgage servicing companies treat people who are in financial trouble. The companies end up losing out on the homes and all they have to do to prevent the loss is help people stay in their homes so that they can make their payments. These same entities are the ones that received government bail-out funds, yet they are so quick to yank their customers around, the very people who can keep them in business. It is no surprise why these companies receive such a bad rap and why so many of them fail.

The assistance of a lawyer would be appreciated. We have done our part but GMAC Mortgage purposely refuses to do theirs. Companies like GMAC Mortgage lead the pack on corruption. Economic hardship in trying to make our mortgage payments and keep food on the table, purchase required medicine and pay basic living expenses such as utilities and medical care. The constant collection calls and the constant runaround have resulted in extreme stress causing a chronic medical condition to get worse.

I have struggled to keep my mortgage current for three years after a lengthy divorce battle. I am a single mom to two teenagers and currently looking for full-time employment. My ex-husband was supposed to pay the mortgage in lieu of child support and has failed to keep it current. I am in default and the sheriff sale is scheduled for April 2010.

Not one time has GMAC made any attempt to work with me to modify my loan! I have submitted all the required paperwork to request a modification (or any kind of help). In the end, I've hit a brick wall. They seem to have one excuse after another why I don't qualify for any of the programs. I know I'm not alone, but it sure feels like it.

Even with a college degree, I work part-time and continue to look for work. I'm scared, anxious and dreading the day we are forced out of our home. My credit was always a source of pride. Then I became a divorced single parent and "poof"all gone. Now, with a foreclosure on my report, I don't know where we'll go. To put it simply, I am scared and just wanted to be able to stay in my home and raise my children.

We have filled out 2 loss mitigation forms. This will be the 3rd time I am filling this out. Each time I pay my 3rd installment payment, they send it back and tell me it wasn't enough. When I have talked to people that say "we don't expect you to pay the whole amount," that is all back payments with interest. I was told to pay the same amount that I paid for the first two installments. Now I get another check back telling me I shorted them $56. And since I am now late and it is going to forbearance, instead of them calling me and asking for the difference, they sent me the check back again. And now, I am to restart this whole process over. This mortgage company isn't doing their part. I am getting really upset and frazzled with all this, maybe chapter 13 bankruptcy is the best bet since they don't really want to work with me.

Three years ago, I got a mortgage from GMAC at 7.25% for 3 years. They withdrew their business from Canada at the time of renewal, without transferring our mortgage to another financial institution. We always paid our mortgage on time. I was given two month's notice to find another mortgagor until February 10. This time, we could only find one at 11%. I am sure many people were in the same situation. I would like to start a class action suit, because I feel they violated my rights.

Please let me know if you can take the case, or how to go about it. Normally, one does not need to change a bank, or look for another mortgagor on renewal, especially that the mortgage with GMAC was for 25 years, and during the first 3 years, we paid more interest than capital. With our economic situation, we were not in a position to look for any new mortgage. It cost me more than $,7000 in lawyer's fees, and brokers and lenders fees, not counting days and days of worries and emotional stress. If it's possible, we want to take action immediately, and not wait for years.

I struggled with a high interest rate on my first mortgage with GMAC and an even higher interest rate on my second. After falling behind on payments, I listed the house for sale on my own and was contacted by a gentleman who stated he could do a short sale with GMAC and then sell the house back to me. That never happened, because GMAC was not cooperative in working out a short sale and the contact name my person was given quit or was terminated while the negotiations were still going on.

After several weeks of not hearing from them, this gentleman sent me an email stating "I am sorry, but the person whom I have been leaving messages with and been transferred to every time no longer works for GMAC." So now, I am further behind, so I call GMAC and work out a repayment plan on the first mortgage which included a $8000 payment due March 11, 2010. I also worked out a loan modification plan possibility for the second mortgage with that payment due March 5, 2010.

The first mortgage payment needed to be in certified funds. The second mortgage payment was acceptable as a personal check. I sent the personal check the next day and verified they received it a few days later. I went to two banks on March 2 (one for savings withdrawal and one for checking withdrawal) and withdrew $4000 from each, getting a cashier's check from both made out to GMAC. Then I proceeded to the post office and mailed the two certified checks with paperwork from GMAC and mailed them off.

On March 8, I called to verify receipt. GMAC verified paperwork and one $4000 check. I was told the other one would be posted the next day because of how work is distributed and that as long as both checks had my account number on them, they would be attached to my account. I called Tuesday afternoon, and I was told that the second check was still not posted. I called Tuesday evening and was told it could take a day or two. I called Wednesday late morning, it's the same story.

I called Wednesday evening and at 5pm, and I was told that there is possibility that since there were two checks, the second one was destroyed by a shredder, because the mail is opened by machine and "sometimes" if there are two checks, the machine picks up one and sends the other to the shredder with the envelope.

So then, I am told to put stop payment on the cashier's check. Banks don't put stop payments on cashier's checks for $4000 without an indemnity bond. On Thursday, I did get the bank to assist me and they gave me a form for GMAC to fill out, notarize, and return. The bank would then refund my $4000 and issue me a new certified check.

I called GMAC, and after over an hour and seven representatives with each one transferring back to phone tree or the same department that transferred me to them, no one would agree to sign this document verifying they did not have the check. No one would allow me to speak to a supervisor or a supervisor's supervisor. I did finally get the last representative I spoke to start an investigation (I hope), and he transferred me to a supervisor's (I hope) voice mail. I have not heard back from the supervisor yet nor do I expect to.

I have been given different information from each and every representative. I have verified my address, phone number, social security number, home phone, cell phone, and the fact I live in the house well over 15 times in the past four days. On Wednesday night, I was told I would be given a grace period, even though every rep (including Thursday's 7 reps) told me there is no grace period on repayment plans. Again, I was assured that it is only "logical" a grace period would be allowed. I explained there is no logic in this situation. None!

I have done what they asked, each and every time. Apparently, they needed a signature on the 2009 tax forms I faxed over for the modification request on the second mortgage. Every rep was more interested in reminding me they needed me to re-fax a signed tax form (even though part of the modification package is a signed release form for my 2009, 2008, and 2007 taxes from the IRS). I inadvertently did not sign the tax form, since it was filed electronically. Could anyone be as interested in a missing $4000 certified check? Apparently not. How long is this going to be allowed to continue?

My home is set for auction on April 15, 2010. I can get no one from GMAC to contact me. I can get no supervisor when I call in, because they are all "not available" or "in training." No one cared for four days that I insisted the two checks were in one envelope. No supervisor would talk to me. Economically, I am missing $8000--the cashier's check they are holding, pending receipt of the other $4000 and the $4000 in limbo at the bank that I cannot get back, since GMAC refused to sign the document needed by the bank to release the funds back to me. Both cashier's checks are made out to GMAC.

I am an emotional wreck. I have taken hours off work this week to stay on the phone for hours, trying to get someone at GMAC to investigate.

I applied for a Home Modification loan in August of 2008. I fought with GMAC who said they could not help me unless I was 91 days late on my payments. I did not want to be late but, I was having financial problems and knew that I would have a problem paying my mortgage of $1880 + $200 on my second. I was trying to work with them and avoid any problems. Needless to say, they lost my paperwork numerous times and repeatedly told me the company policy would not allow any assistance unless I was late on my payments.

I finally reached a point where I paid late for three months to get the modification. After talking to a supervisor, he informed me that it was not policy to make people go late on their mortgage and that the employees had given wrong information about the loan modification. This caused my credit score, 720, to plummet to 473. GMAC will not do anything to help with the credit score telling me that I was the one who made the decision to be late on my mortgage payments.

I am livid that they gave wrong information, ruined my and many other homeowner's credit to get on a program that never required anyone to be late. The program was designed to prevent that from happening. I see GMAC as a bunch of crooks that are stealing people's homes to benefit themselves and their corporate greed. They will lie to you and then when confronted, they will hang up on you and make you call repeatedly attempting to get through to someone who can help. They will also call you continuously trying to strong arm payments from you and threatening foreclosure with every call.

After GMAC gave me my modification (a year later), I made trial payments of $1400 for three months. To my surprise, GMAC reported me late for the three months to the credit bureau because I was not making the full $2,000 payment. They then sent me a notice after 4 months telling me they forgot to include an impound account and my payment would increase by another $300 per month. That put me almost back to my original payment. I declined to make the additional payments and now have to come up with the taxes and insurance payment on my own. How do they get away with that?

They have made it impossible to refinance away from their company and now everyone is stuck with their terror tactics. I would like to know why the government continues to fund companies like these who are not helping but, cheating hard working American Families out of their life's investments. I can not now refinance with another company because of my credit score or finance a cup of coffee. This could cause me to lose my clearance at work and then my job. GMAC does not care about their mortgage holders, only about foreclosing on them. My wife and I are constantly stressed out with not knowing what GMAC will do or when they may try to take the house. I am being forced into bankruptcy and could lose my government job because of this problem.

I have been paying $550.00 a month, I always pay it early online, because by the time they send me the bill it seems there's only a couple of days before it is due. So in December I paid online they received it on 12-7. Then I had some extra money so I wanted to get my payment off I paid it again online 12-31 they received it. It is an equity line account. They usually take the amount owed then the extra they put towards principle. They took the whole $550 and put it towards principle I did not write on any checks for principle only it was an online payment.

Now they are charging me a late charge, and I am behind a month. My husband has been out of work for over two years, and now my mother is terminally ill, so I am going to be on disability to be with her and I don't have extra money. I tried talking with all four of these representatives GMAC and was told because they hadn't calculated the next months yet they automatically put it in the principle column. I feel that this is wrong, if they had a question they should have called me, my payment is always $550. Thank you I hope someone can help me.

Below is my story in the nightmare that is the process of getting a home modified through GMAC, a company that has taken billions of taxpayer dollars. Something has to be done about this now! My story is below:

On March 19, 2010, GMAC will auction my house. In August of 2008, I remember working with the HOPE Foundation to prepare a package for a loan modification. The information was prepared and sent to GMAC. GMAC, in their infinite wisdom, failed to act on a modification until I got behind on my mortgage payments. My loan reset on January of 2009 to an amount I could not afford to pay. After months of calling and trying to get my loan modified, GMAC would not act until I sank into foreclosure. In January of 2009, I hired a third party company named HelpUModify to assist me in the modification process. I submitted all the needed financial documents to GMAC twice!

Finally in September of 2009, it looked like my dream of keeping my home had come true as GMAC seemed to agree to a trial loan modification. For four months, I paid the modified mortgage via money order as they stated. During this time, GMAC did not ask for anymore documentation. They asked for nothing. Finally, after the last payment had been sent, I notified UModify as to our next step. GMAC told HelpUModify that I had fulfilled my obligation and that the payments were received on time and at this time, they would review everything and work on the final new loan docs. I was wrong! In February 2010, GMAC sent a letter stating that I had failed to honor the agreement and that they would move ahead with foreclosure. A day later in February, I received a notice stating that on March 19th, my home would be up for auction. I was stunned by this and called GMAC.

They stated that the trial period was nothing of the sort and they stated that they had not received all information they required. I stated to them that I never received a letter or a message on my phone stating this. They stated that I could resubmit all the financial paperwork information again and see if the home could be modified again. I notified UModify of these unfortunate issues and they contacted GMAC also. GMAC gave the same story, hence, I resubmitted all financial information again for the third time. Four times including the initial package the HOPE Foundation did for me in August of 2008.

I was offered a loan modification agreement with my lender GMAC and the payment was to be in the amount of $105.00. I made all of my payments on time and then the lender sent me a modification agreement for way over that amount in the amount of $244.74, which is way over my financial budget and the lender knows that. I would like some type of assistance so that I am able to go back to the original trial payment in the amount of $105.00 and so that I am able to eat and also so I know that I am able to continue with this loan being a performing note instead of a non performing note.

Let me start by saying that I never wanted to be with GMAC. When I bought my home in July 2006, my loan was transferred to GMAC which I didn't like from the beginning. I lost my job Nov 3rd 2008. I informed GMAC at the time so that they knew what was going on with my situation. Before I was laid off, my mortgage payment was always paid in full and on time each month. GMAC, when you call and talk to them, it's like we understand how tough times are and we're here to help anyway possible.

Well, when times really got tough for me, GMAC did nothing to help me. As time went by without finding a job, my funds were getting lower and it was becoming more difficult to make my mortgage payment. I finally was able to get a job in July 2009 but I took a big pay cut and was finding it difficult to pay my mortgage. I informed GMAC of my situation. They sent me paper work for their forbearance program that would allow me to make half of my house payment for six months.

Once I was approved for the program, I called GMAC and was told by their rep that during this program, it was very important that I pay the amount that was assigned on time each month. The rep told me as long as I pay on time it would not affect my credit and that GMAC would do everything possible to help me during this difficult time. It even said on the paperwork I signed that they would be exploring other options to help me out while I was on their forbearance program. The rep said that if I miss a payment or don't pay on time, that it would be reported and put on my credit as being late. And there was a chance that the forbearance program would be terminated.

The most important thing to me during this process was to make sure I paid on time and that GMAC would explore other options for me during this time and that my credit would not be effected. I called GMAC each month to make my payment by phone and I would ask them each month about other options to help me. Each time their reps would say, "I can see that you have been paying on time each month during the forbearance agreement and the we are still looking into ways that we are going to be able to help you." The reps always informed me that paying on time during this forbearance was really going to help them on making there decision to help.

So each time I felt pretty good about GMAC being there and helping me out during this difficult time I was going through. As it got down to the last month, GMAC sent me out paperwork wanting to know if my situation had changed. During this time, I also was able to find a part time job in the evening to help me with my financial situation and to show GMAC that I was serious about keeping my home and wanted to get out of the financial trouble. Even though I was working two jobs now, it still wasn't what I was making before I got laid off in 2008. So during the end of the program, GMAC sent me out another package that I had to fill out about my hardship. They wanted pay stubs, list of my bills, tax forms to see if my financial situation had changed.

The program ended January 20th 2010. I was informed by GMAC by letter that my request for more help had been denied and that I was behind on my mortgage and that they needed a full payment. I called GMAC. They confirmed that my request for help had been denied. Of course, I'm shocked and very disappointed that they weren't going to do anything else to help me and even though I just paid them, now they was wanted a full payment ASAP. Along with the denial letter, there was a letter from organization to call and see if they could help me out. So I made appointment with counselor about my situation. After talking with counselor, we reviewed my situation and I was told that during this time on the forbearance agreement that GMAC had been reporting me late on my credit report. We pulled my credit and I was just blown away on what I saw. After all that from GMAC, it was just shocking to me.

So we did a conference call with GMAC. They just said I was denied for modification and that even though I was paying on time on the forbearance agreement, they had the right to report me late on my credit report. When I told them all that was told to me about my credit, they just ignored it and acted like I wasn't told that. So not only was I being reported to credit bureau, they denied me for modification and I was four months behind on my mortgage. So I got in contact with a friend that found the government funded group (***.gov). I contacted them and explained my situation. I was told that I definitely should be able to get the modification to help me out in my situation. When we first did conference call with MHA.gov and called GMAC, it took three times calling to finally get someone from GMAC to talk on conference call. Whenever I would give permission for 3rd party on my behalf to talk for me, they would mention the call might be recorded. GMAC would say, "We can't talk if the call is being recorded."

Finally, on the third time we called, one of the reps talk to us. GMAC was explaining my situation and asking why they wouldn't offer modification to me. GMAC would just say there wasn't anything they could do. I mean I'm working two jobs doing everything I could do and they treated me like we don't care, "It's your fault. We just want money." So after we got off the phone from GMAC, MHA said that they would send all my information to GMAC and request that they offer me modification. They told me sometimes when it comes from government agency, they're more than willing to send out information. Finally, after a few weeks and another conference call with GMAC, they said the information had been sent out and to fill it out completely and send back within 10 days of the letter.

Finally, I thought there was a break through with GMAC. I was told by the rep for MHA what was going to be in the letter and what information I would have to provide. I was also told to prepare a hardship letter to send back with the information. Actually, before I even received the information for modification from GMAC, I had already prepared a hardship letter and sent to the president and chief operating office Anthony *** and Jeannine *** regarding my situation. I also put in a quote from President Anthony R. on the GMAC Website that reads, "We want customers to contact us if they are behind or are having difficulty keeping up with payments. The HMP program offers borrowers more modification options than were previously available so it is important that homeowners reach out to us." That quote was from the President and chief operating officer Anthony R. I believe I did that and GMAC did nothing for me.

So finally, I returned all the information that was requested along with another copy of the hardship letter. I also sent at least half of my house payment along with the letter which they did cash the check. But to my disbelief, GMAC denied my request for modification said they couldn't help me and now I'm facing foreclosure and could lose my home.

All this were here to help anyway we can is false advertisement with their reps and on their website. Even after sending letter to president regarding my hardship, I heard nothing from nobody at GMAC. He could at least send me letter expressing some type of heart about my situation. So the company reflects the President and not having a care attitude at all on what consumers are going through. Oh, they advertise like they care but they don't follow through with what they're promoting.

The consequences for me is I thought that GMAC would come through with what they said they would do. It's all a lie and now the possibility of losing my home is real. The stress and the physical damage of worrying about what's going to happen has been to much to bear. The six month agreement that I was on was just a hoax and it just made things worst because they didn't follow through on their promise to do what they said they would do. My credit is ruined, my self-esteem is down the drain. I'm working two jobs 60 to 65 hours a week and they have treated me like I'm a nobody. You would think during the toughest economic times since the '70s that GMAC would have a heart and try to help people. They have done nothing but lie and use false advertisement on how they will help people in need.

Over the course of several months, my real estate agent, attorney and I have been attempting to work with GMAC on the short sale of my home. The co-borrower on the loan moved out and filed bankruptcy leaving me with a payment I couldn't afford on my own. The house had been on the market and I was fortunate to have received an offer to purchase. Each time they were contacted we were told a different story.

First, they wanted financial disclosures with a hardship letter. This had been provided back in Oct. '09; however, I agreed to resend it again in Feb. '10 as requested. When I called to verify they had received it, I was told it had been sent to the wrong department, even though I had used the fax number and cover sheet from the packet they had sent me, and hadn't provided the correct information. They gave me a list of information needed to process the short sale which again, was promptly sent.

When I called to verify if they had received the requested information, they wouldn't speak to me at all because the account was in active bankruptcy which had been the case since Dec. '09. I attempted to explain that I was not the one who had filed bankruptcy; it was the co-borrower who had filed and that their records should clearly show that I had openly discussed the account a week prior with another rep. They would not discuss the account with me.

I had my attorney contact them and she was told that further information was needed to process the request. We have provided them with everything available to us. Every call to this company has resulted in the equivalent of hitting a brick wall.

Due to GMAC's lack of cooperation, the sale of my home will be lost. It makes no sense to me that they would refuse to work with me on the sale rather than go through the expense of letting it go into foreclosure. My hope was to avoid at all costs the eventuality of filing bankruptcy, but because GMAC is impossible to deal with, not only will I lose my home, I'm facing complete financial ruin.

GMAC Mortgage bought my mortgage from another bank in 2006. Up until Feb. of 2009, all was fine. So in Feb. of 09, I go to work one morning and find that the company I was with for 15 years has shut the doors. So I call my mortgage company being responsible enough to see some financial problems are going to come from the job loss. GMAC Mortgage says can't help me until my loan is three months behind. I continued to send them whatever funds I could on a weekly basis. By the time, May rolled around I was two months plus behind.

I called them again. GMAC Mortgage sent me a modification application. I filled it out and sent all the documents they needed within three weeks I received a letter from loss mitigation stating I was approved and my 3 month trial period and payments of $1,487.20 would be for three months and then I would be submitted for a permanent modification if I made those payments on time. I, in fact, did make those payments on time and in August I called GMAC Mortgage and requested info if I would receive a permanent modification. They stated it all looked good and I should be receiving a letter with a new permanent mod in place going forward.

I, in fact, received the letter and documents outlining the new agreement going forward and thought to myself they really helped me out and the federal program was helping the people through this. What a shock I got next. In Sept of 09, I filled a chapter 7 per my attorney advise due to credit card dept. I went through all the hearing and remember we have the legal right to file bankruptcy in America. The US federal bankruptcy asked if I was keeping my home. I said yes. He seen all the mod paper work and granted my 7 filing. I kept on making my mod payments until January 2010 arrive and they are not cashing my modification payments.

So I call GMAC Mortgage and they say because I filed a bankruptcy that they were nullifying and voided out my modification agreement and said that all the money in the rears need to be paid or they are going to foreclose on me. How could this be? I received a modification and made every payment. I contacted my attorney and let him know what is going on. He says keep making my payments as agreed. Late January, I receive a letter from GMAC appointed attorney Orlans & Moran stating they are starting foreclosure proceedings. I called my attorney again. He contacts Orlans & Moran. They tell my lawyer that I have not made a payment since August of 09. This is not the case. I bring all my cancelled checks and all my mod paper work to my lawyer.

Now my lawyer is confused about what is going on. My lawyer contacts Orlans & Moran and they don't know what is going on. GMAC stated to all that they voided my agreement due to me filing a chapter 7 and I would have to reapply for a modification. To all, keep in mind the federal courts judge agreed to me keeping the home and nothing and I have read the paperwork many times says in my modification that if I file bankruptcy that our agreement would be voided. As a matter of fact, GMAC website clearly states that if you're in a bankruptcy, they will work with you on a mod. I send GMAC a check for Feb. 10 payment and they sent it back. I resubmitted another application for a mod and they say they never got it. Funny thing is I filled it out with my lawyer and he sent it to their lawyer via scan and fax. But they say they never got it. I sent an email to their lawyer asking what I do with my payment. Do I send it to GMAC lawyers?

GMAC lawyer responds that I have to talk to GMAC about it. I call GMAC and talk to them they tell me I have to talk to their lawyers office about it. Good Lord! This is unbelievable. GMAC also tells me that they will not accept my payments. So here I sit broken hearted and sick to my stomach every day that I did everything I was supposed to and followed all and every legal guidelines of the law and I'm getting burned. Also, it is amazing that they would say because I filed bankruptcy. Are you kidding me? GMAC have over 15 billion dollars from the tax payers to stay afloat and their car company did file bankruptcy and the taxpayers gave them billions of dollars to stay in business. We, the people, are bailing them out. GMAC are ripping people's homes away.

Also in closing, I have lived in this home for twelve years. I have three children that were born and raised here. Now we have to move away. Don't that just shatter America's dream as well as uproot children's lives. I also have a fourth adopted child that is terminally ill. He was born with hypo plastic left heart syndrome (only half a heart). He has been through three open heart operations and will not live a full life. Now I have no home thanks to GMAC. Funny thing is I had a Chevy lease vehicle at the time of the bankruptcy filing and the judge says I had to surrender it back. GMAC Car Company calls and says they understand that courts said to surrender it but I can keep it if I want and keep making the payments even though I had filed a chapter 7. Isn't that weird? They got their car back per court order. I will never in my life buy another GM product or ever do any business with this company and its affiliates.

Something needs to be done about GMAC Mortgage they are ripping off the American people and they are taking our tax dollars and giving bonuses the executives of their companies. Yeah, there doing such a great job.

My husband was the sole income for our household and he got laid off for three months and took a job making less than half he had been. Even after I returned to work things were still tight and we were upside-down on our mortgage, so could not refinance in the traditional sense. So we applied for Obama's Making Home Affordable Plan. After qualifying and completing our trial period in December 2009, I called looking for our permanent documents of the modification on Dec 21.

I was told not to worry that they were behind due to the work load. They would send them out to me as soon as they could and not to make any payments until I got the documentation. Although this sounded very strange to me, a friend that was doing the same thing with a different lender had told her not to make any payments. So, I figured this must be the way they are handling things. Still uneasy about not paying, I called again on December 28 and was told the same thing. They had not been mailed yet due to work load, don't worry, don't make any payments.

Half way through January, I was getting concerned that I had not heard anything yet. I couldn't believe they would want us to miss two months payments. So I called again looking for the documents. I was told that they had been mailed on December 15. But I had called twice after that and both times was told they had not been mailed yet? So, the operated told me they would request that they be resent.

A week later, I still had not received them, so I called again on January 25. I was told the the original request was "not submitted properly" and they would request them for me. I finally got them in the mail January 27. But they had a due date of December 23, 2009. We had them notarized on Monday, February 1 and was sending them FedEx, so they would receive them by Thursday, February 4. One week from date of receipt.

However, before I could send them back, I got a call from GMAC and was told that we missed our deadline and had to pay over $7200 or we would go into foreclosure. How is this possible? We never missed a payment, never were even late! I tried to explain to them that there was no way I could meet the deadline since I received them a month after the due date! I don't have a time machine!

I have called several times explaining the situation to them. Some operators understanding that there was no way I could have the papers back a month before I even received them. And these people tried to help by having the analyst review the situation. But every time they come back and say the same thing, "You missed your deadline." Of course I did, I didn't get them until a month after the due date listed! I have the dated FedEx envelope they came in!

They drag their feet when you are trying to do the right thing, even if it means you have to stay on top of them. But it doesn't matter. However, a week later they have someone at my house to take pictures and confirm owner occupancy. They have people calling all the time looking for the money they say we "owe" them.

One of the collector's that called us the other day, really didn't get it. I explained the situation to her and she told me that the documents were sent out on December 15 and I should have gotten them by Dec 21. I didn't get them! Even if I had, that still only gives me two days to get them signed, notarized, and returned to them. They are setting people up to fail!

I have already contacted my congresswoman and the PMI company to notify them of the situation. Both told me this is not the first time they have heard this. And after reading this website, it seems to be happening a lot! I even looked at the foreclosures on their website, they have an average of 100 houses in foreclosure in each state! Isn't this program suppose to help prevent foreclosures?! We have always paid our bill, on time! We have great credit! Never even at risk of foreclosure. But now because of this we are faced with it?! I don't understand! Something needs to be done! I can't believe this isn't on the news, that no one is talking about it and that nothing is being done! GMAC is stealing peoples homes!

I too just received a call from a woman who identified herself as a "collections agent" who was "calling in order to collect on a debt" with respect to my property. This was incredibly vague and I had to ask her three times who she was calling for before she admitted she was calling on behalf of GMAC Mortgage. I have no late payments ever and have always paid my mortgage within the grace period.

It is now March 4, so the grace period for March lasts until March 15. Nevertheless, she was very aggressive and nasty and said I was late and "had" to make a payment right now over the phone, including a "late fee" of $200. I said "but the account is current, right?" She grudgingly said yes, that I was within the grace period but the payment was still late and I should pay "something" now. I hung up on her. Unbelievable that they are now harassing good customers with excellent credit who don't even have a past due account!

For the past two months, I have received phone calls saying that my payment is late. This has only occurred since Ditech changed to GMAC. According to my payment book, my payment is not late until the 15th of the month, at which time a penalty would be imposed. Why am I getting these calls when my payment is not late? As having been recently laid off, I do not yet have a hardship condition and keep up with all of my obligations. I resent the calls saying I am late. Review my history with Ditech which tells the great story of my credit record. Please stop these calls that upset my family. We don't need this.

I received a loan modification and went through the three-month trial and was approved. My loan modification was based on my income only. My ex-husband filed bankruptcy and now GMAC is trying to raise my mortgage payments by more than $600.00 a month. They will not accept my loan modification amount and now I am over 30 days late. I cannot pay the old mortgage amount, let alone this crazy amount.

My tax assessment just came and my home went down in value over $15,000. I am in an upside down mortgage. What can I do? It seems that GMAC is trying to take my home. Please help. I am not able to make these new payments and I am drowning and there will be no way out except foreclosure if they don't honor my original loan modification or grant a new one with payments that I can afford in three years.