GMAC Mortgage entered into a modification agreement with me. Afer the first payment was collected, I received a letter from them stating that my rate would increase for the next month even though the modification agreement stated that my payments would be fixed for 2 years. I continued to make my payments according to the terms in the signed contract. For over 5 months, GMAC cashed my checks but never credited my account. After collecting payments for over 5 months, GMAC filed a NOTICE of DEFAULT against me. They are outrageous!!

I am an owner of a forensic loan auditing company. I am so upset about what this incompetent company is doing to people who are paying their bills. I have filed a complaint with the FTC, but they do not investigate individual cases. I am willing to do FREE audits for GMAC customers. I am interested in compiling all state and federal violations GMAC commits against its paying customers. Please email me at [email protected]. If we can identify and show that these practices are routine, then we can expose them for who they really are (GREEDY LIARS). Please email me I am interested in what they may have done to you!

Gmac Mortgage sent me a letter received on 21 Apr. 2009 saying my loan was in default. I had talk to GMAC Mortgage in Apr. and ask why my payment had gone up and was told I needed to pay the short fall on my escrow account. I told the person I had in Feb. 2009. The lady check and said yes I had and it had been misapplied and it would be changed. Then the letter on the 21 Apr 2009 came again I called GMAC and found my account had been turn over to collections. I could not understand the lady whom I was connected to and she did not want to hear what I had to say. I called GMAC again and was connected to collections again. The person I got this time was Franz and I could understand him and he could understand me he did take a look at my account and said there had been a mistake made and would correct the problem. I told Franz I wanted to talk to a supervisor and was told me one would call me. That same night I was called by John #13818. I explained what was taking place I also explained that GMAC Bank had entered statement against my credit and before this my credit score was 767. He stated he was sorry and he could see I had made all my payments on time and I would be getting a letter from GMAC, Then on 22 Apr 2009 a lady came to my home and started taking pictures of my house she told my visitor the home was in foreclosure and we needed to contact GMAC. I send a email to GMAC Mortgage asking why was I not contacted until the loan was in default and that I had contacted GMAC to see amount getting a lower loan rate and was not told anything then and I had contacted GMAC twice in Apr and nothing was ever said about my payment being late. I ask why was anything added against my credit before notifying me and was told they regret my bad experience. I feel GMAC is wrong and I may contact legal advice if something is not done to insure my good name and credit is not reestablished.

GMAC Mortgage is foreclosing on my home and I have made all my payments in full and all on time. I have all my returned checks but GMAC is not interested in discussing it. My profession is a bookkeeper. GMAC is currently reporting me 180 days late to the credit agencies. They have physically gone to the property and told my tenant they are the lender of the property and that I am in default on my loan. GMAC is charging me for these visits to my property. My tenant says he is moving. The rental market in Idaho is terrible. I will surely take a financial beating when my tenant vacates. GMAC calls me 3 times per day from their automated system on weekends. They call around 7am, again mid day and around dinner time, 7pm. I have documentation of this. I have been on the phone with them dozens of times over the last 10 months trying to resolve this and spent many sleepless hours in the middle of the night very upset. About 2 months ago, I started recording my calls to the bank. I have begged them to have someone call me back so we can get this resolved but no one has ever called except their automated collection message prompting me to use my charge card to make a payment. I send in the amount every month that my note calls for but they say it is not enough and don’t apply the payment. They cash my check and put my payment in a suspense account so I continue to accrue late fees and derogatory credit reporting. When I spoke to their collections dept, customer service yesterday they say I owe them $8176.11. I ask which months and they are unsure. Again, I have made all my payments every month in full and have my revisited my returned checks to be sure they have all clear on time, which they have. When I talk to the tax/insurance dept they say I am current on both.

I goggled GMAC complaints and found out my situation is very common with GMAC customers and one of hundreds, maybe thousands. www.consumeraffairs.com/finance/gmac_mortgage.html
www.complaintsboard.com/complaints/payment-run-around-c98625.html

GMAC is ripping my off, running my credit, harassing me on a daily basis and intimidating my tenant. I applied for a non-owner occupied loan. They know I don’t live at the subject property. Why are they going over to the property and discussing my loan with the tenant? Now that they have ruined my credit, I can’t re-fi with another lender.

[email protected]

I took out a mortgage with GMAC Mortgage in 2001. When the initial payment due date was near I did not receive a statement. Not wishing to be accused of making a late payment I contacted GMAC by phone and requested the address to make the payment. I was given an address and sent the payment prior to due date.

I was never given credit for the payment. GMAC kept accusing me of failing to make the payment for over two years. During this period I was in touch wit them numerous times on this matter but never got any satisfaction.

Two years later I took out a new mortgage and paid GMAC off. After the new loan had closed GMAC finally returned my payment by sending it to the escrow company that handled the new loan.

In 2008 I checked my credit reports and found GMAC had been and was still sending negative reports to the credit reporting bureaus. I contact GMAC and asked that this be corrected. I got a letter stating that they need further information. This in spite of the fact I gave them the complete loan number at the time of my complaint.

To this date I have not received any further correspondence from GMAG nor has the credit report error been corrected.

I consider their actions slanderous a damaging to my credit and reputation.

GMAC Mortgage took over our mortgage from MGC Mortgage CO. GMAC states that when they assumed our mortgage we were 3 months behind, which is not true. They keep sending threats of foreclosure, and they are deducting deliquent fees from our regular monthly mortgage payment, thowing our payment short each month. We've been going round and round about this, and I have faxed payment research copies of all our cancelled checks to prove we're not behind, but its been over 3 months and they still say we are. We met with an attorney who said we definitely have a legitimate complaint, but we must front $2, 500 for him to represent us, and maintain $2, 000 in an account with the attorney, and he will deduct $200 per hour to represent us from this account. We can't afford this, but don't want our credit ruined and our home foreclosed upon when we're not behind. I see others have been through the same exact situation. I think we should all try to come together and form a class action lawsuit and try to put enough hurt on GMAC that they'll get their act together. Their Customer Service is horrible, most can't even speak English, they say we CAN"T speak to a supervisor, all they do is put you on hold hoping you'll hang up. Its so unfair and should be illegal for what they are doing. Everyone in America needs to know how horrible it is, and news shows should put this information out there to educate the public in how GMAC really treats their customers!!