Is there anyone that was approved for the home modification, then a few months later get a up charge for 20, 000... for penlties, and such? I have requested so many times from GMAC to give me details about where this is listed in my loan...which they can never provide!!! HELP.. anyone else have this problem?

Complaints against GMAC Mortgage:

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.

In March 2011 I tried to enter the web payment section of GMAC mortgage and I entered the wrong password. I was using this web portal for almost 8 yeaars. I was then blocked by GMAC Web action and asked to have my account password re-set using the form provided by the web masters. I was then sent the email with the instructions to re-set the password and log in info. When I went to the site I followed the directions exactly for resetting the password and was hopefully on my way to paying my March payment. What I found was nothing! I was then asked to have the password reset-again. I contacted GMAC Customer Care for more advice. I was then told that my acocunt was blocked and I had to re-apply for a new account.
This was unacceptable to me as the GMAC directions clearly stated all I had to do was ask for a new password and I would then be allowed to access my account. I was told that they had changed their security levels and my account name was too short and that caused the block. I was to have a name of 7 letters or numbers or more. My account name was 7 letters and numbers! I questioned GMAC Customer Care as to this and they stated I was still blocked and not allowed to re-use my user name as it was not alloowed anymore.
I asked for names and employee numbers adn was told they did not give these out over the internet. Hmmm why? They never told mne clearly why but hinted at a need for security.
I was then given my account number in an email So much for security - a live account number over unsecured email.
All this email correspondence and blocking me is making me two months late as of the end of April 2011. I am now facing foreclosure becasxuse their programmer made an error that ended in blocking me for no reason. An error that a good programmer could readily fix. How do I know this? I do computer work for a living and designing programs is my living.
I am being penalized by bad programming and people that do not think a customer should be made whole by following their instructions after making a mistake.

GMAC mortgage is a very hard company to deal with, they kept loosing my papers finally after sending the information about 20 times, I got approved in October of 2009, in November of 2009, I file for Chapter 13, and they immediately cancelled the approval, and was told I was denied because I file for Chapter 13, so we had to start all over again, same thing they kept loosing my paper (information) all the time, again I submitted the information again, and got approved on april of 2010, but again they never sent the sign documents by them, and then after calling a million times, they responded that I was qualified again and put me on a trial period for three months, but it ended up being 8. months went by and they never sent the sing documents again, after calling them about 100 times finally in January of 2011 they responded with a denial, based on insufficient income. I don't understand how can the approved twice and denied twice with the same financial information provided to them both times. I kept paying my monthly payment for two years, and at the end of 2 years I was denied.

I got a 30 year mortgage from GMAC that according to their promises in writing before and at closing would not require hazard insurance. After closing and a year or so into he loan, they write to me requiring for me to get hazard insurance.

I showed the written agreement to the insurance officer and after months of arguing back and forth GMAC executive offices dismissed the paperwork against their position as an oversight error and insisted for me to get insurance with treats of damaging credit although I was ahead on my payments.

GMAC lured me away from a loan that did not require insurance by promising the same terms and a lower interest.

DO NOT BELIEVE GMAC in anything they write or offer, they will back out and make you go into a bad place.

Fighting them is useless as they will ruin your credit for a few dollars.