I have a $200, 000 mortgage on my house with GMAC Mortgage. I was behind payments on my mortgage for several months. My total default amount for all the months I skipped payments totaled out to $9, 724. The GMAC Loss Mitigation dept kept on calling me and harassing me. They called me several times a week and demanded I pay the entire default amount of $9724.00 in full in order to get current on the loan, or that I at least begin partial payments on it. After several weeks of harassment, I finally agreed to pay them $1000, I gave them my bank account information so they can withdraw the stated amount of $1000, but instead they withdrew $3000!!! Only a few days later after checking my bank records I found out, and right away I called the GMAC loss mitigation dept and demanded to speak to the manager in charge, and they made me hold on the line for over an hour, and then disconnected me, I called back the next day, and again they made me hold on the line, this time for 40 min. Finally I spoke to the manager, and they refuse to give me back my $2000, because they claim I owe them $9, 724.00 and thus they are giving me a hard time returning my $2000 which they stole. Yeah right they made an accidental error by over charging!!! I doubt it was an error, this is probably how they operate!!! They are crooks and thieves!!! Don't ever use GMAC mortgage!! Here are their numbers 8008504622, 8007664622