GMAC Mortgage

GMAC acquired our loan approximately 8 years ago. Our payment is due on the first and late on the 15th. They have never received our payment on the first but always before the 15th (simply due to when my husband and I get paid). This has not been a "problem" until the last 7-8 months; they started calling our cell phones on the 2nd of the month and will call continuously until payment is received.

In February, I sent my payment in on the 6th; and it was received by them on the 8th. For some reason (of course unexplainable due to lack of notes on our account), that payment was reversed in March, therefore reflecting that our February payment was more than 30 days late (and reported incorrectly to the credit bureaus). When I contacted customer service, I was told that I simply paid the payment late. The second time I called, I was told that the payment was received but was returned to my bank as NSF. (Neither was true.) It has taken me until now (May 17) for them to realize that the mistake was actually done by them. They claimed to have backdated all my payments to reflect the correct posting date and were going to send a payment history to the three credit bureaus and credit back the late fees that were charged. (This only after I requested it the next week.)

GMAC has refused after multiple phone calls to send anything to state that the mistake is being corrected. They have only stated that I can check the credit report in 45 days and they will send me a ledger. I am in the process of refinancing our mortgage to get it as far away from GMAC as I can get. You can never speak to anyone who knows, much less speaks English. They mess with your account and your credit; and overall, they suck!

My husband and I have been with GMAC Mortgage for 15 years. We did a loan modification back in 2010 and our payment is due by the 1st of each month. My husband is drawing his retirement and SSI now, but it comes at the end of each month. So we contacted GMAC and asked for a new payment date closer to the end of the month and was told that we would need to do a new loan modification and lose the 2% rate that we now have. Now GMAC will still be getting their payment each month, just at a later date. The only thing that we are trying to do is avoid these high late fees each month. Please tell me if it something we can do without the drama of starting over.

My loan was also assumed by GMAC and since that day being a homeowner has never been the same. We kept our payments current after Hurricane Katrina because we wanted to keep and rebuild our home, which we have done. However, I'm ready to walk away from it all just to get rid of GMAC. We applied for a loan modification 2 years ago and we were denied. We again applied for a loan modification in February of 2011 due to the lost of my job. I spoke to a lady named Jamie ** and she was going to be my "point of contact" every step of the way. Needless to say, Jamie lost all my paperwork. We resent the paperwork and she said she was submitting it to the review team and she will contact us in 15 days. This was late March.

We were 2 payments behind and received a notice that we were going to go into foreclosure. I called and couldn't get Jamie, the gentleman I spoke to said that they cannot take partial payments nor can we make a payment arrangement. But he did show that my account is being reviewed for a modification. It is May, I caught my payments up, still haven't spoken to Jamie and I received another denial letter from GMAC for the modification. Both letters actually states that we should "sell" our home. I agree with a lot of the other claimants below. GMAC would rather sell your home or foreclose on your home! What type of heartless people is working there? Why can't we ever talk to any of the people that make these decisions? And don't GMAC want to work with their consumers?

Oh, I forgot to mention that GMAC has now sent a letter after the 2nd denial stating that they are going to escrow in my homeowner's insurance and my payment has went from $1,049.00 to $1,872.00 a month. Are they trying to pay for insurance for the life of the loan in 1 month? I am ready to walk away from the house to get GMAC out of my life. If I can refinance with another company, I will. One way or another, my life will be so much better without GMAC in it!

I was approved for a loan modification in 4/2010. Shortly after, I received a free copy of my TRW from BofA. As I went through it, I noticed a credit card and equity line opened with GMAC, which I never opened. I started to question GMAC about that and other paperwork not making sense. I requested my loan documents and payment history. Again, I noticed a lot of mistakes that were costing me. By this time, I was very angry.

I faxed my questions, asking for proof and a refund or to adjust account to clear my credit. About 10 months have gone by, and they have not done a thing and won't return my calls. I faxed a letter asking why they reported to TRW I have not made payments and to the IRS on my 1099 that no payments were made for 2011. This is not true. They won't send me any info about who my lender is. I have no clue where I stand.

Price fixing - I had a 6% mortgage with USAA and GMAC. They played frick and frack and would not reduce my mortgage interest rate. There is something wrong there.

A year ago today, GMAC foreclosed on our property behind our back. They told us to let three payments get behind and file a loan modification form. We put our payments aside. We waited for their response but finally had to call them to see what was going on. We had been told to make our payments on May 26, 2011. When I tried, we were told it had already been foreclosed. Now a year later, the house still sits there neglected. We were devastated, because it cost way more than three payments for us to have to move. These people are heartless. We just don't understand how they would rather take the house instead of our money. They need to be held responsible for doing someone so wrong. They also told us there was miscommunication somewhere. Go figure!

GMAC has ruined my credit by repeated denials and dismissals! I have (still, aside from GMAC) perfect credit. I own another home, hold multiple credit cards and two auto loans and have never been late on anything. In 2010, my company downsized me and I lost about $18-$20K a year income. I applied for loan modification and was denied. Then in 2011, I was let go completely. I applied again and also for HAMP. GMAC stated they don't participate in the HAMP programs and again denied me any modification. I explained I couldn't afford the payment. I attempted renting my home but couldn't rent it for enough to cover its payment cost, so then I tried selling it. It didn't sell and I ran out of savings and could no longer make the payments.

GMAC suggested I do a short sale. My realtor found a buyer and I was told the home was sold. However, the buyer could only pay $205K and GMAC refused anything under $210K. I am now in foreclosure. My credit is now shot and my pride is really impacted because I have always been very financially responsible and did everything I could to pay my mortgage. People have begun telling me that this denial style is common for GMAC. I surely hope that if that is true, someone holds them accountable! A simple loan modification would have allowed me to keep my home and pay my debt with GMAC.

I currently have a mortgage with GMAC, never been late and had the mortgage approx. 2 years. I also have a +700 credit score. I applied for a refinance with GMAC. They offered 3.875%, 30-year fixed FHA, streamline. At the same time, I was offered a better deal from Quicken Loans. After giving GMAC the option to match or better the deal, they advised me to go with Quicken, as they could not match it. Everything was completed with Quicken and ready to go to signing when Quicken informed me they couldn't close the deal because GMAC put a "Credit Reject" on the FHA connection.

At first, we assumed it was an honest mistake. I now believe, after 2 weeks of trying to get anyone to take care of the problem, that it was done purposely and maliciously to keep me from refinancing and leaving them with a lower rate. Apparently, the "Credit Reject" will follow me for 3 years if they don't remove it. Do not withdraw from a loan with them or they will "screw" you. My husband and I have spent countless hours on the phone and e-mailed Jessy **, loan officer, who took the application, Tom **, Supervisor, Debbie **, VP Direct Lending and numerous specialists, and customer service reps. Debbie **, VP Direct Lending has yet to return a call. After almost 2 weeks of being tossed from dept. to dept., hung up on, leaving messages, told it would be taken care of, told there was an open case to have resolution within 48 hours, I called back today, and they knew nothing about an open case. What a joke!

My husband and I separated over a year ago, and he moved back to Texas. I live in NC. I resumed paying my house payment, even though my name (I found out later) was not on the loan to GMAC. I paid all the payments online and had no problems until I got behind on a payment. I called GMAC to try and make it right on 1-21-12 and spoke with Vanessa. She would not speak with me on the matter because my name was not on the loan, even though my name was on the bank account (listed in their system) that I had been paying the bill online. I was told they would need an authorization letter from my ex-husband to speak with me about the account. I called my ex-husband (Steven), and he sent them a letter authorizing me to speak with them on the matter.

On 2-24-12, I called and spoke with Mary Lou who barely spoke English, and I couldn't understand her. She transferred me to Carmel, a supervisor who didn't speak good English either. Attempting to get the account straight, I was advised by her that I could not assume the loan until the account was current for 12 months. On 3-2-12, payment was not showing up on my bank statement. I spoke with Araceli, and she advised me that the payment went through on 3-1-12. Then on 3-30-12, I made an attempt to make an online payment, but I could not change the amount in their online system because their website does not allow you to change the amount. Therefore, you cannot pay extra on the account unless you call it in.

I called GMAC and spoke with Tony (again did not speak English) and transferred to Patrick, whose English was also very bad. He said there would be a charge of $12.50 to take my payment over the phone, even though I was trying to pay the monthly payment plus $200 extra. I told Patrick that I could not change the amount on their website, and he waived the $12.50 fee and took my payment.

On 3-30-12, later that day, I received a phone call from GMAC. I spoke with Josh, verifying my information. He transferred me to an account specialist, Sarah, who seemed to be a great help. She advised me what I had to go through to assume the loan. 1) Get my account current. 2) Make on time payments for 12 months. And 3) have a letter from Steven (my ex) saying he wants me to assume the loan.

I made arrangements with her to pay $200 extra on my payments every month until I was current. I advised Sarah at that time that I could not pay extra or change the amount on their website. She said I would have to call it in until it was current every month and that she would make note that the $12.50 over the phone fee be waived when I called.

On 4-6-12, my bank statement was still not showing where payment on 3-30-12 went through. I called GMAC and spoke with Jesse (who did not speak English of course), and she advised me that the payment already went through and I needed to call my bank. I called my bank, and they were not showing anything for the payment. I called GMAC again and spoke with Eric. He advised me that it did not go through, because the bank information was incorrect on their end. I gave him the correct information, and then, he advised me that there would be a $12.50 fee for taking it over the phone. I told him I would not pay it, because I had already (supposedly) made arrangements with Sarah on 3-30-12 that this fee would be waived since I could not just change the amount I was paying in their system every month. He agreed and ran my payment through.

We were sold to GMAC and started payments with them in March 2005. The payment at that time was $1,484.76. The payment then went up to $1,637.61, because we agreed for the taxes to be included in the escrow. In June 2006, the payment went up to $1,796.55, because they determined our barn was in a flood zone so our whole property needed to be insured for a flood. In February 2007, we made a huge mistake and let them start taking our payment as an automatic withdraw from our checking account. Since that time, our payment has jumped from $1,783 to $1,906.21; and in April 2009, it jumped to $2,032.23.

It stayed at that payment for 2 months, at which time, I contacted the Better Business Bureau because I couldn't get GMAC to respond to any certified letter or phone call. It then went back down to $1,703.39 and was still jumping around. In the month of March 2012, they took $2,209.50. After numerous calls, I have determined they have paid a year of homeowner's insurance to our insurance company. I pay my homeowners insurance as a monthly payment and have done so since the beginning of our purchase of this home. GMAC refused to let the insurance company refund the $1,113 back to GMAC, so the escrow account is not in the negative. GMAC refused to stop the automatic payment, so we cancelled our 35-year-old checking account.

They refused to work with us. The extra $500.00 each and every month was designated to our other bills (which was not paid in March because GMAC had taken it without authorization and without cause. A proof of insurance document was sent to them numerous times in the past to prove we do indeed have homeowners insurance). My monthly payment will now be paid electronically through our bank or by a money order. I'm not sure of the outcome on this problem and will have to obtain an attorney at my cost, when GMAC had no right to pay a year of insurance. At $500.00 extra a month, that would make our homeowner's insurance $6,000 a year, when in fact all they paid to our insurance company is $1,113.00. GMAC refused to explain this all to me.

My loan was sold by my old company to GMAC this month. I have tried to log on to register to pay online, but it would not work. I called and they said I could not. The invoice that then came in the mail said I could. Huh? Then I asked for someone to call me Monday, between 8 and 9. No one did. They called Tuesday when I was at work. Now, they are collecting on me. They then told me I need to give them my bank account number for an ACH payment. No way. I pay all my bills online, but GMAC does not let me. I asked for help, but they do not help. I want my loan sold. I never wanted them to begin with.

After stockpiling paperwork 15 inches in height for approximately 9 months in duration, I have learned that GMAC Mortgage (also known as Ally) likes nothing more than to dupe with their customers who are seeking some form of modification. GMAC's 12-page loan commitment document is not worth the paper it is printed on. The only advice I can give you is if you do not want to talk to an "outsourced" customer service representative regarding your mortgage, take the time to answer their "Customer Service Follow-up Survey." This will afford you an opportunity to answer each survey question with a numbered rating scale. I obviously answered each one with the highest level of dissatisfaction. Also, this will allow you to leave a message as to why you are dissatisfied.

Another good line of communication which I've utilized is located at the very bottom of the GMAC Mortgage log-in page. If you click on the "give feedback" which is above the copyright at the bottom of the page, your questions/concerns/complaint will be directed to upper management and usually answered within 24-48 hours. I highly advise for anyone using this key aspect to keep a copy of their details and save in a file folder. I also recommend that you keep every email, document, and denial pertaining to any/every attempt at a loan modification/refinance. You will need every bit of the "paper trail" in order to build a case in court (should you choose that route) to prove that you are being denied for modification with vague and indefinite reasons.

Lastly, be prepared to fight to keep your home. If you "roll-over," then GMAC has won. GMAC prefers foreclosures and short sales. This allows GMAC to sell these properties to investors who will purchase the properties (with check in hand) to be used as rentals. GMAC knows that the mortgages that still exists that were originated prior to the "real estate meltdown" which were fraudulently duplicated a dozen times over, bundled, and sold on Wall Street, will receive federal bail-out funding.

I've been advised that if you have an original loan (no previous modification/refinance), then you will be afforded some "grace" depending on which state you reside. Short sale seems to be the obvious lesser of the two evils due in part to the Mortgage Debt Relief Act. I've had to retain a real estate lawyer just to ensure that GMAC abides by every letter of the law.

I would like to request assistance and referrals and make a complaint against GMAC Mortgage. I believe they have made false claims by phone as well as sold my home on a date that was not publicly disclosed nor posted on my home as the law defines necessary.

My name is Renee **. I purchased my home in January of 2009 with my grandmother who recently passed away. I was in process of making a modification agreement that did not close prior to the passing of my co-signer. The bank made several delays without fault of my own which has now made a hardship on me as I no longer have a cosigner. The dates of their disclosures and phone conversations led me to believe that my home was still safe and we were in process of making an agreement. These statements made by GMAC were false and misleading, resulting in the illegal sale of my home.

On January 20th, I spoke with a GMAC Mortgage representative per their request for more paperwork which I had already turned in on previous occasions. Documents would expire after 30 days and they were asking again for updated proof in order to resubmit. Over the phone, they asked me for one bank statement in which I had turned in to them that same day, January 20th, along with my pre-approval for Keep My Home California. I was informed this process would take a few weeks.

My next contact with GMAC was due to a notice I received stating my home would be placed for sale on 2/6/12. This notice was posted on my door. I called GMAC and asked why there would be a sale date if we were in process of the modification through the Keep my Home California program. I was assured I should not worry and that as long as I am working with them, it is illegal for them to sell the house. Nothing was mentioned of my status on the program or qualifying for the approvals. They stated that the notice is due to their underwriting department changing the date at the end of the month. This made it sound as if it was standard procedure and nothing to worry about.

On February 15, 2012, I called to check on the progress of my modification. It had been a few weeks since the January 20th conversation when all papers had been turned in. Upon speaking with the representative, I was informed that today my home was up for sale as we spoke. I inquired about how it was possible to sell my home when I was in process of a modification and she informed me I was denied for the modification. No notice was posted to inform me of this sale date on February 15th. I was not informed in writing that my modification was denied. The justification given over the phone was that a representative attempted to call me on 2/5/12 to inform me of other paper work needed. I do not recall receiving this message and I had just turned in all of the paperwork for the third time on January 20th.

In addition, the phone call they claimed to have left me was only ten days prior to the sale of my home. No other contact was attempted to inform me of the situation and I had no knowledge of the banks actions. I feel that had I been notified about this situation in writing or with them posting a notice on the door, this would have been averted and I could have gotten the appropriate help I needed to save my home.

The GMAC representative provided me with an executive trust to call. I tried to make contact with them and was informed that I needed to have GMAC notify them first and then the executive trust would switch the title back in my name. I called GMAC to make this request and they said, "Sorry ma'am, I can't help you."

I have tried countless websites, phone numbers, attorneys and resources. I am not sure who can help me. It is my clear understanding that they have made many delays on getting the information in a timely manner to the underwriting department per their company requirements. These delays resulted in prolonging the process and communication appears to be kept from me on purpose in order to proceed with the foreclosure. The unfortunate passing of my co-owner of the house shortly followed those delays. I have been hit with several hardships over the past few years and need to be put in the right direction to save my home. If I had known that they would be putting my home up for sale, I could have delayed it with bankruptcy or filing other claims. I know the representatives clearly mislead me to believe that everything was in order and that nothing could be done so long as things were in process.

I am no longer in foreclosure. My home is sold to the original lender of my note. I have tried to call programs and I am passed the point of their assistance. What the bank did was not legal. Falling into foreclosure was due to a disability I had as well as special circumstances that led to increase in family members. I am now back to work and making my original pay. I was trying to work with the bank and I feel they illegally took advantage of me and gave false hope to avoid me taking further actions.

If you can help me, please contact me at the phone number above. The other resources refuse to assist me without high fees paid up front which I do not have. I am aware that an attorney is needed to perform many of the duties that need to be done from here but I am unable to find one that is willing to speak to me let alone make an appointment without upfront costs.

To make a long story short, in 2007 we filed chapter 13 bankruptcy, as I explained to other site. At the last four months of us being done with chapter 13, we got ourselves back on track. Now, they are saying they never received those payments. A long story shortened. So, somewhere they lost four payments of mine that were already cashed by them. Trent ** in collections just always say still reviewing. His number is **. Our GMAC mortgage account number is **. I'm tired of GMAC of their tactics and rude customer service representatives.

After suffering a significant loss of income in March of 2011, I reached out to my mortgage lender GMAC to get a modification on my $3,100 monthly payment. They told me I could not be reviewed for a HAMP modification unless I was denied for an in-house modification because I had an FHA loan. This is the reverse order that they usually follow. I was denied initially because I wasn't past due on any payments.

In order to get a response from them, I allowed myself to fall behind 90 days which technically put me in foreclosure status as of 7/2011. After being denied several additional times over the course of a few months for various contradictory reasons, they filed a notice of default in September and posted a notice of sale on my door in December. The original sale date was set for Jan 3rd 2012 but I was able to get it postponed to 1/23/12 thanks to a HUD representative on a 3-way call.

On 1/17/12, I was finally offered a savings of $150 on a trial basis. The trial payment along with a signed agreement was due 2/1 but I didn't receive the package until 2/8 after calling and demanding it be sent to me overnight. After reading their offer, I called back to let them know it was unaffordable and they said I could reapply when it cancels at the end of the month. They sent out a new application package on 2/20. They also sent a notice on 2/21 saying that my trial mod has been voided due to nonpayment but that they would still work with me to find a solution. I faxed back the new application package and waited a week or so.

On March 12th, I opened an "Occupant Questionnaire" asking the "new tenants" about their relationship to the previous homeowners. This document also included the fact that my house had been sold at auction on 2/27. Needless to say, I was erupting with anger! I called GMAC only to be denied answers and referred to the Executive Trustees which were absolutely no help at all. Apparently, they're only required to send the initial notice of sale but they don't have to tell you when it's been postponed or rescheduled, even if you call in beforehand. They are crooks and bullies and they must be exposed!

My sister died and I have repeatedly informed them of that fact and provided them with my address to which all correspondence should be sent. Despite three calls, I continued to receive threatening letters sent to her former address. On my fourth call, I was instructed to send a copy of the death certificate. I did and received a letter again addressed to her former address requesting a copy of the court order appointing me executor. In Illinois, this is not required for estates less than $100,000. I called and spoke with Jane who asked me to fax any documentation I have including a copy of the Illinois state law describing this process. I would expect a mortgage company to know the laws applicable to those states where they do business. I will send this but I don't really expect any results. I expect to continue to receive letters threatening foreclosure sent to the address of a person who has been dead for four months. They are a thoroughly customer-intimidating company with incompetent employees and deficient communication systems.

GMAC requested larger payment than agreement projecting that money in escrow account would not be sufficient to pay tax. GMAC refused to re-issue a refund (for overage in escrow account) and after GMAC assured that banks would honor the check it was returned and overdrawing the account, resulting in large fees that GMAC refused to reimbursement. At the same time, GMAC refused to apply credits on the account to the principal balance until receipt of full payment

GMAC claimed that their investors don't participate in the HOPE program and Loan Modification process. After making numerous calls, I learned GMAC representative were deceptive and was given paperwork to complete. After completing the paperwork for Loan Modification Disapproved over 3 times after filling out paperwork many times, I was told either made too much money or didn't qualify for program. Additional excuses GMAC offered because I had modification with Homecoming Financial, all paperwork wasn't received or done right and not qualified. GMAC refuse to approve request to have payments lowered.

GMAC visited my home, placing correspondence on the door for public view, urging short sale messages on door to short sale property and sent and through the postal service sent papers urging short sale. GMAC deliberately appraised value of home higher than current market and slightly below the originally appraised value, causing the offer rescinded their purchase contract GMAC placed insurance on the home and forcing my acceptance of the insurance GMAC placed originally appraised value.

Each month, I pay additional principal payment in my mortgage payment. They have 4 or 5 times credit the payment to next month. I have to call on the phone and demand the payment be credited in the current month. What they are doing is not reducing my principal and adding a small additional amount to the future by not fully crediting the principal reduction. They have done this some many times that I am angry.

Loan Modification - GMAC turned me down 3 times already. First, because they said all paperwork wasn't done right. Second, I did not make enough money and third they wrote me a letter stating they don't have the authority to even give it to me. So I called after 25 minutes and 4 phone calla. Every time I was told I can afford to pay so they were not giving it to me. I explained they gave me two different reasons in the same week. Can you say I messed up?!

I applied for a loan modification and was declined without any explanation. I called to find out why and a woman with a horrible accent and poor English attempted to give me an explanation. She could not give me an explanation. "She" became frustrated trying to come up with the words to properly communicate. Then, I was told "I could get a part time job" if I was having problems. They also refused to reduce my interest rate or give me a fixed rate. From what I have read, they aren't willing to do anything but take our money and outsource their work. I later discovered that their calls go through a service center in Mexico City!

I have had my home for 8 years, had some medical issues and my wife lost her job. We have tried getting our payments lowered, but have had such ** who work for this company that we get different answers all the time! We got behind and wanted to reduce payment, and was told no problem. But after filling out paperwork many times, they told us we either made too much money or didn't make enough. But they wanted us to make double payments. If we don't make enough, how can we make double payments? Then they told us our payment would increase if the loan was modified? No one at GMAC knows what is going on. We just want to keep our home, reduce payment to what it was. No one can tell us why it increased. We had the arm changed to a fixed rate, but payment went up when we were told it would go down. Now they are charging interest and we are sick of GMAC and their politics. I think they are trying to take people's homes and they need to be stopped!

I had always been on time with payments and I qualified for a refinance through the HARP program and started the process. GMAC sent over a great GFE and then once we started signing, suddenly things changed and they sent over a new GFE with a higher interest rate and additional closing costs.

Please send your complaints to your State's Attorney General -- if we all send in, we have the power to make things change! You can file your complaint online or by paper.

I am trying to make a payment to GMAC through our Chase debit/credit card and they refuse to take it because it doesn't say star or NYC on the back of the card. Since when does a company not take a credit card or debit? GMAC has been a nightmare since I have had them.

I paid off my second mortgage this past October 2011. I have not been able to receive a proper lien release. All I get is pushed off to different people. They do not return my calls. I am trying to get a home equity line of credit from another company and this issue has the whole process on hold. I have no idea where to go from here. Any help and/or advise would be appreciated. Thank you.

When I went online to pay my September mortgage payment, the amount that was stated due was for $250.00 more than what my payment should have been $840.00. I never received any type of communication from GMAC about the added fee. I have contacted them several times about this and still do not have an answer. Wonder what they would do if I send a payment less $250.00 with no explanation?

I found out through my work GMAC Mortgage is trying to check my income for years 05-06-07, for 2nd mortgage I got back in May 2006. I have never been late or applied for anything from them or anyone else mortgage related, since 2006. They hired a company named Digital Risk to try to get my info. My work was not sending them any info just because they sent a fax stating it was okay. They also did not want me to know what they wore doing nor will they return my calls. I have checked my loan documents and found some problems with them that they made. I'm not happy with them going behind my back. I'm not happy with this being done with my work 6 years later. What are they trying to hide from me? I do not trust them after all the things here about them.

At the beginning of the month, I was overwhelmed with work associated with a major remodel of my house and simply overlooked making the payment on our rent house. You can reference this to ** Eugene, OR. Anyway, I received a message on my phone on Friday as I recall.

Anyway, I had this ** woman calling me this evening. She had broken English and didn't allow any response. What was most disgusting, she could not even pronounce the name of our city, Eugene. That isn't hard. I asked here where she was calling from. Assume, you are using a call center out of our country. She walked over my request the started blabbing again. I told her that the check was mailed today, that is absolutely true. I took it to the USPS sorting center for our city. If I ever have a problem again and receive such a ** woman on the line I will simply hang up. I sure think less of GMAC now. If you want to provide service go to an American call center.

On February 6, 2012, GMAC Mortgage made two separate electronic withdrawals from my Bank of America checking account. Both February mortgage payments had been withdrawn on February 1, 2012. Then they made identical unauthorized withdrawals again on February 6, 2012 in the amounts of $974.62 and $1,065.23. Their action caused me extreme financial hardships and charges by Bank of America.

I received in the mail a Tax Form 1099 stating I was paid $7,397.82. This is not possible even though all the information on this form is correct including my Social Security Number. I am and have been medically retired since May, 2006 and unable to work due to sickness plaguing my body, including but not limited to: cancer, diabetes, and severe neuropathy.

I will attempt to contact GMAC today, Monday, February 20, 2012 to try and contact and repair this error. However, this should never have happened if proper and secure identification was accounted Human Resources for me, by GMAC Mortgage, 3451 Hammond Ave, Waterloo, IA 50702, Phone 800-766-4622.

We went through a bankruptcy but kept paying the mortgage. When GMAC found out about the bankruptcy, they added an administrative fee of $250, why, I don't know. They then started sending letters for 3 months, stating they were getting out of the mortgage field and that as our renewal was coming up January 01, 2012, so we'd have to pay them out right away.

We asked for two extra months to find a mortgage lender, which we just found today. They have been sending threatening letters that if we are not paid out in two weeks, they would foreclose. We have a lawyer getting the payout for the bank we are using. I just pray it goes through in time. After 5 years of never missing a payment, they are ready to foreclose? What is that? No wonder there are so many dissatisfied customers.