I called GMAC customer service on Oct. 5, 2010 to set up a payment deferment on my car loan. The rep said that was not a problem, and explained I would need to make a partial payment on my normal due date this month, call back 24 hours later, and that the rep would process the deferment manually. I made the partial payment, and on October 11th, I called back to confirm and proceed with the deferment. I was assured that no further action needed to be taken by me, that I lived in a state where a physical signature was not required. She asked for the reason I requested the deferment, and I explained money was tight right now, and my plates were due that same month for my car. We finished up our call, and I hung up. On October 23rd I received a letter stating my account was past due and the rest of the partial payment was due immediately along with a $17 late charge, or else my credit would be effected, and the car would be repossessed. I called them immediately, and they were not available on weekends, so i called back again Monday morning on the 25th. I spoke with a rep who apologized and said he would submit the request for the deferrment and would waive the $17 late charge. My grandfather is the co-signer on the car, and followed up my call, and the lady he spoke with insisted my account was still past due and needed to be paid immediately. I called back again, Monday afternoon, and got another rep who said she saw the first representative's request and it would take 24 hours to process. Again, I asked if there was anything further that I needed to do, because I felt like I was getting the run around and nothing was being taken care of. I asked her when I could verify the account charges had been cleared and she said in about 24 hours. Wednesday morning, today, I called back again, and the deferment STILL HAD NOT BEEN PROCESSED! I called back, and the rep stated she would put in a request for a deferment and it would take 24 hours to process, and they would remove the late charges just this one time as a customer courtesy. ARE YOU KIDDING ME!?!? I explained to her that the late charges were not stemming from my error, and that they should be removed because they were the company's mistake. I told the rep that in 2 1/2 years of payments, I have NEVER been late, and I resent the way my business with them had been and is being handled. I've looked for customer service escalation/supervisor's contact information on their website, and of course, there is none. Does anyone know of any contact information I could use to get this problem cleared?

I had an auto financed in 2002, paid it off in 2004, and received my Certificate of Title from the finance company. The Title is stamped "PAID IN FULL", General Motor Acceptance Corp. It is signed, illegibily next to the words "lien released by", and it is dated 11/19/04 on the appropriate line below the signature.

Sounds right, looks right. I requested a duplicate Title by mailing the correct form and payment. But NJ Motor Vehicle says there is still an encumbrance in favor of GMAC! But I have the "Paid in Full" Title in my hand!

So I take the Title to the nearest Motor Vehicle. No mention of encumbrance or lien not released. I pay, and wait, but no duplicate for me. Motor Vehicle is now requiring me to find out "What is the Title, or Position of the person who signed as 'released by' for GMAC?"

How am I supposed to find out their title? I can't even guess their name from this signature !