Did a phone payment on my mothers account with gmac on march 9, 2010 for 1, 114.15 (amount according to system)no confirmation number for the first payment, it transferred me to customer service.i explained, that i just made a payment but did not get a confirmation number and the rep said "it did not post I'll transfer u back to the automated system so u can do it again". did another payment for 1, 147.90(per statement )been told differnt things by reps. a manager phoned me on 3/15/2010 stating my money should be in my account on 3/16/2010 no later than 3/17/2010. 3/20/2010 no money !took 2 days for gmac to get ther money. now a rep says it'll be 7-10 business days!they have proof from my credit union off funds paid to gmac on 3/11/2010. they have given my mom n i the run-around, have names of everyone i've talked with from 3/12/2010 when it started .

For the third month in a row, GMAC Mortgage has charged me a higher payment for a problem that they admit was their fault, and in our last phone conversation, they begged me to give them more time. I am being scammed to the tune of an extra $204/month on my mortgage payment. They have repeatedly assured me this would be taken care of after multiple, painfully-long phone conversations (using up my for-pay cell minutes, and my time to solve THEIR problem). As I just paid my mortgage online today, I see the issue still has not been resolved, and for the third time, I forked out an extra $204. This is pure fraud.

Over the last several months my husband and I have been trying to work with GMAC Mortgage to save our home. I am unemployed and my husband is self employed and as many others have...we too have fallen on hard times. I wanted to share with you my horrible ordeal . The easiest way to do this would be a time line.


In September 2009 I contacted GMAC to explain my hardship. They were kind enough to give us a 4 month forebanrance taking us through December 09. (We trully appreciated this. I had hopes that within the next 4 months our business would pick up and I would be able to find a job. Unfotunaly this did not happen)
December 22, 2009 we received a letter from Orlans/Moran (GMAC's Attorney's) stating that our Mortgage was in default and that we needed to contact GMAC to make some kind of arrangements. I contacted GMAC immediatly and asked what the process would be. They stated to submit paper work for a Loan Modification..
January 11, 2010 all necessary paper work including a financial analysis for loss mitigation workout, a financial hardship affidavit, request for transcript of tax returns, bank statements and the sourse of income (which was Massachuetts Unemployement) was faxed. I called and confirmed that they received all paper work.
On January 21, 2010 we were sent by certified mail a Notice of Intention to foreclose on Tuesday, February 16, 2010.
January 22, 2010 I contacted both GMAC and Orlans/Moran (GMAC's Attorney's) to see how I could stop this from happening. Both parties told me two things - That I needed to contact the Loss Mitigation department (which I had already done) and that if we called on Thursday, February 11, 2010 (5 days prior to the aution date) and not any earlier we could ask to postpone the aution. At this point I had high hopes of delaying the aution and saving our home because of the Hope for Homeowners and/or a Loan Modification.
January 26, 2010 I contacted GMAC to see what the Status of the Loan Modification was. They said it was still in review.
February 3, 2010 I was sent a letter regarding some additional documentation they needed. They were missing a copy of the most recent paystub (which I had sent them already), Unemployemnt award letter and 2008 Taxes (which again...I had already sent them.)
February 8, 2010 called to see if there was any update on the loan modification and to explain that we maybe filing for Bankrupcy. Nothing at this point. Instructed at this time to call on Thursday, February 11th to ask to postpone the aution as instructed.
February 11, 2010 I called to asked to have the aution postponed. A ticket was entered. I instructed the gentalmen to make sure that they called me on my cell if they had any questions or need anything. I was adimint about it! I also asked them to put in the notes that I was very very close to getting a job...I am on the 3rd round of interviews and all I was asking was for a couple of weeks to see if I got the job. They told me that they would document that.
February 11, 2010 - At 2:00 Eastern time I received a call from a woman named Maureen who asked me to give her a call. It was late that evening and I had to wait until the morning to contact her.
February 12, 2010 - Called Maureen around 10 AM regarding message left the night prior. (888-714-4622, option #5 and extention - 2365415) I left all the information needed for her to get back in touch with me including my cell phone. About an hour later I trired calling Maureen back and still got voicemail. I finally called the regular call center in which I was told that the request had been denied due to missing documentation. The documentation stated that they did not have the signed 2008 tax form which I had already faxed over twice before. Very upset I stated that I would send the information right way. The representive told me that the fax could take up 24 to 48 hrs to receive and once received I could ask for the aution to be postponed. 24 to 48 business hours would bring us to TUESDAY! This was unexceptable to me and demanded a different solution...she gave me an emergancy fax line. (866-355-6034) I still wanted to talk with Maureen who I was told was a supervisor...I called and left a total of 6 message throughout the day asking Maureen to contact me. I begged her to just call me and update me as to where I stood. I never received a phone call from her. I called the call center at least 5 to 6 different times demanding to speak with a supervisor...NO ONE would put me through to one. Everyone told me that they would need to enter a ticket for a call back and I would be contacted withint 24 to 48 hours! WHAT!!! I was so upset...all I was looking for was answers...all I wanted was for someone to "own" my file so I did not have to speak with 7-8 different represetives who I had to repeat my story to 7-8 different times. Finally at 4:33 while speaking with a woman I was told that my fax was received, that a request to have the aution postponed was submitted once again and I was insured that I would be contacted by a supervisor that evening before closing. I waited all night...NO ONE called.
February 15, 2010 - first thing in the morning I called Maureen and left a message on her voicemail and then I called the call center...at which time I was informed that I would not be granted the postponment of the aution because I was denied for both the Hope for Homeowners and a Traditional Modification because I could not afford to pay the mortgage. I am sure you can imagine how upset I was/am. I tried to explain to the representive that all I am asking for is a couple of weeks to postpone the sale. That I have a 3rd round job interview this week that if I get the job would allow me to pay my mortgage and get me on my feet again. I asked why a supervisor never contacted me and they stated that their was a ticket still open for one to call and I told them it was unexceptable. I told the gentleman that I would not get off the phone until I was talked with a supervisor. The gentleman came back 3 times and told me that there was no one to speak with...but I told him I was not going to get off the phone...finally they placed me with Stacey. (3192365865) I explained to Stacy what I had gone through over the last couple of days, I explained to her how many calls I had placed to Maureen, I explained to her my sitution with my employeement and that all I needed was 2 weeks to find out if I got the job. All I was asking was for 2 weeks. The answer was no.

We truly feel that GMAC has intentially deceved us for the following reason:


They knew that we might file Chapter 13 Bankruptcy which would immediatly hault any foreclosure or aution process.
We feel that they intentionally delayed our request to speak with a superior so we could not esculate the sitiation. We were adamant that my cell phone number be the only contact number and we also stated not to call the house number which is where Maureen left the message.
We were never contacted to be notified that any of our packets were missing documents...the only time we found this out was when I called them to request an update. At which point we did receive a letter of missed items...but only after I had called them days prior and request what info was missing.
We believe that GMAC knew all along that we did not quaify for either one of the plans but chose to tell us only hours before the deadline and on a Federal/State Holiday so we would not have access to the courts to save our home by way of filing the Chapter 13 Bankruptcy.
Ms. Slack - I know that at this time we can not afford the home. I am not nieve to that. All I am asking or was asking for was a delay in the aution...in order to see if I did get the job. 2-4 weeks tops! I am not sure why waiting another couple weeks would hurt them or their investors. (GNMA) If I don't get the job...then we move on. At least I know I had the option and can tell my children we tried.

My father recently passed away and I learned his mortgage was sold to GMAC mortgage. There is no equity in the home and all I want to do is have it be gone. I attempted many times to speak with them to make it as easy and quick as possible but they kept giving me a runaround. To the point that I sent in the information so they can speak to me regarding the details of the account but when I called to confirm they received my paperwork, they wouldn't tell me. Ridiculous. There was only one time I received even a modest amount of help and that came from a customer service person who was actually located in the U.S. (Take from that comment what you will.) The funny part is that my father's estate is worth less than $2, 000. Even better is that their threats of foreclosure make me chuckle since now the shoe is on the other foot in that now they want to talk to me - but 2 months ago I wasn't good enough. Decided to finally send back the financial info for the borrower... pretty easy to put $0 of income since the borrower is dead. I'm looking forward to them contacting me after reviewing the paperwork.

In June 09, we contacted GMAC Mortgage to apply for a loan modification. We submitted out required paperwork and hardship letter explaining that my wife was laid off and we lost half of our monthly gross income. GMAC responded back with a loan modification that would reduce our mortgage by less than $50. We contacted them back and the person we spoke with could explain how they can to a $50 reduction when we lost half of our monthly income. A week later we were contacted by a very rude representative that tried to strong arm us into accepting the modification. We explained we didn't understand and would someone contact us who could explain. We were never contacted so we got an attorney. Once they attorney got involved, GMAC sent us another modification amount that was still not helpful. So our attorney inquired about the government programs and we were told that since we didn't accept the first offer, less than $50 reductions, we no longer qualify for a government program and we either take the second offer, their bank program, or they will move to foreclosure procedures.
We never accepted or decline the first offer we wanted someone to explain to us how they can to the $50 reduction of our mortgage when we lost half of our income when my wife was laid off.
GMAC recieved a lot of money from the government and are unwilling to work with their customers. A $50 reduction is not going to help us and their refusal to allow consumers the government loan program is terrible and unfair. We will most likely lose our home because we only have half the income now and we were forced to take a modification that will not help us.
Can we get support from anyone out there? Can we sue GMAC for bad business practice and their strong arm tactics and unwillingness to help consumers after they've recieved bailout monies?