I am current on my mortgage and pay at least 2-3 weeks in advance every month. Last January (1/2010) I was laid off and immediately contacted GMAC Mortgage to let them know of my hardship. They asked me if I could borrow money from family! I managed to stay afloat for a little while but slowly became more and more behind. I contacted GMAC again asking about perhaps a load remodification or -something- to handle my hardship until I could get back on my feet. I turned in the small book that was the application and waited to hear back. I called them after 5 days and was told it took 7-10. After day 7 I called every day until finally 2 weeks later I was informed my application was declined because I did not have enough income. Seriously? I was pretty much being set up for forclosure except that I landed a new job. I contacted their company and set up a repayment plan. I asked them "Will this plan make it so that as of August 1st I am current 100%?" I was told 'Yes'. I was also informed that they would continue to report I was delinquent to the credit bureaus AND I would continue to assess late charges. I was fine with this so long as by August I was current again and had everything back on strait.

I was paying nearly double my old mortgage payment to catch back up. I was eating PB&J every day for nearly 6 months straight and come August I was ready to celebrate. I make my final "huge" payment and come around for the September bill it's still high. I call them up and was informed that it was because all the "Late fees" that were assessed during my repayment plan were then applied to my next bill. This was the first I was informed that would be the case. Outraged and angry there's nothing I could do, GMAC owns my soul.

Here it is February, 2011. I have been current on my mortgage since September. I applied every extra penny I had to make sure I was not only on-time with my mortgage but I flat out pay early. This month I get a bill that has a $147 in misc "other" charges with no explination. I call them up and was informed that whenever you pay over 45 days late they tack on an Inspection Charge.
Why weren't these charges assessed when I was actually late? Why did they wait another YEAR before assessing these charges? It sounds like a major scam to me.

I am at the point where I have to call GMAC every month to dispute or get further explination of one thing or another. I rarely have a statement that is plain and simple "P&I, Escrow, Your Amount Due: BLAH". There's always some miscellaneous fee that they usually take off after I point it out and demand an explination.

This is the worst organization I have ever had the displeasure of working with. I just want to pay my damn mortgage without having to call them every single month. As soon as I am able to refinance I am going to do so and make sure I go through a bank that will not sell my mortgage to GMAC. I think it should be illegal to sell your mortgage without at least the homeowner's consent!

I am asking you to look into the practice of your company for the sale and purchase of a home. I saw a home that was listed and for sale by GMAC in the Altamonte Springs, Seminole County area of Central Florida. The property address at 633 Iris Street, Altamonte springs, Florida; Parcel Number: 15-21-29-516-0000-0260. The owner according to court records is GMAC Bank, 3476 Stateview Blvd, Ft. Mills, S.C. 29715.
The listing agent on record is Tina Allman, EXIT Real Estate Results, 365 Wekiva Springs Rd. Longwood, Fl. 407-788-6474. MLS # 05003067.
On November 18th, 2010, I received an email from the seller stating that "Congratulations- Your offer at 633 Iris Street has been accepted for the asking price. Attached was the contract addendum for signature and a cheque for $2000.00 issued to ALBERTELLI Law in escrow.
All the original forms were filled out and the cheque # 1242 given to Sylvester Harding, my Real Estate Broker, Sierra Realty Group, [email protected], 407-979-4473; on November 19, who made sure it was turn in to the Law Office the same day.
Now 11/30/2010, we receive an email stating that we did not get the sale because it was now turn down for a cash offer. That is really unfair and unethical. This was a Contract signed by myself and my wife for this property. We are working professionals.
We could not understand why it was taking so long with the return contract until we got the word from the seller Tina Allman from GMAC. This is not good practice, very poor and unethical and unprofessional. Is this the way they do business, I hope no one else get involved like this. Pathetic.
We had our plan for this home as ours. All our friend and family was getting the news for the new year holiday schedule after the closing.
Could you please look into it and get back to me. Thanks for the time.

I BEEN TRYING TO GET A LOAN MODIFICATION FOR MONTHS, I SEND EVERYTHING THEY HAVE ASKED ME TO SEND, AND STILL THEY MANAGE TO SAY THAT THERE IS ALWAYS SOME MISSING INFORMATION, I RE SEND ALL THE INFORMATION ALL OVER AGAIN, THEY NEVER CALL OR TELL ME IF SOMETHING IS MISSING OR WRONG UNTIL I CALL. THEY ALWAYS TELL ME TO WAIT 6 TO 8 WEEKS AND THEN I FIND OUT I BEEN DENIED, I DID ANOTHER MODIFICATION WITH THEM AGAIN AND SUBMITTED EXTRA INFORMATION TO SEE IF I GET TO GET APPROVED BUT STILL THEY HAVENT CALLED OR SENT SIGNALS OF SMOKE. I BEEN VERY DEPPRESSD BECAUSE OF MY SITUATION, IAM TRYING TO SAVE MY HOME WICH IS THE ONE I LIVE IN WITH MY KID, I DONT WANT TO SELL IT OR GO ON FORECLOSURE. I AM TWO MONTHS BEHIND ON MY MORTGAGED, DONT THIS TELL THEM ANYTHING? HELLO? FOR SOME REASON IAM TRYING TO GET MY LOAN MODIFY SO I CAN PAY ON TIME AND SAVE MY HOME . THEY DONT CARE TO HELP YOU, ALL THEY WANT IS TO COLLECT THEIR MONEY AND THATS IT.

DAILY PHONE CALLS LOOKING FOR MARCIAL HOLTEN. I HAVE HAD THIS NUMBER FOR 15 YEARS AND dO NOT KNOW ANY MARCIA HOLTON. I IASKED THEM NOT TO CALL BACK. NOW THE DAILY CALLS ARE RECORDED GIVING INSTRUCTIOTS TO CALL LOOKING FOR MARCIA HOLTEN The calls come from98431-866-667-0531- AND GAVE ME THE ID 638517 AND TOLD TO CALL 1-800-4622.
i CALLED THAT NUMBER AND WAS GIVEN RECORDED INSTRUCTIONS TO CALL 1-900-446-2900. NOT A TOLL FREE NIMBER.
I DO NOT BELIEVE THAT GMAC IS DOING THESE CALLS BUT YOU SHOULD TRY TO STOP IT BECAUSE THEY ARE USING YOUR NAME
THANK YOU, JILL PHILLIPS

I have been trying to deal with GMAC for two eyars -- hopelessly. Does anyone know of class action lawsuits in Texas. I am ready to join one.