GMAC refunded my on time payment, didn't realize it until the next billing cycle, so now my credit score is a mess. I have called more than a dozen times on a dozen different days, with no explanation. I pay online through my bank, and GMAC tells me to contact my bank, and the bank tells me to contact GMAC. I get no answers just the run around. It didn't occur to me to file a complaint, until I read about this exact same scenario that is happening to countless other people.

After calling and getting through finally I was told that the last payment of certain amount will be taken on 11-08-09 by Direct Debit. This was all done. We were waiting for final statement, instead received a statementfor the last year only asking a staement closing balance. Nobody mentioned this before and why GMAC cant take this payment by DD is very puzzling. Any way after waisting and waiting for 1hr and 40 minutes in total we made the payment and even then the adviser over the phone kept saying "you have to get clearance". All I asked was a letter saying that we have paid it all and end of contract. Ofcourse we do not expect high standard of service from GMAC for thanking us for our custom as we received from Mercedes Benz when we finish their payments.But there was no telling this to adviser, she kept repaeting the same thing... An absolute shame to the company. Dam them...

We recently sent in a payment via mail. GMAC hasn’t received it yet and they keep calling and calling. They called my work number 20 times in two days while I was away from the office. It was a toll-free phone number (888) 213-3985. They call my house over and over with an automated voice message asking for your social security number. This morning my wife picked up the phone and a woman with a strong NON English accent was on the other line. My wife told the woman that we sent in the payment, but the woman kept reading from a script. My wife could not understand what the woman was saying so yet again she told the woman that the payment was sent in the mail and she has no way to speed up the mailing process. If GMAC wants to call and talk with you, they should have someone who can speak English. GMAC needs to invest in better customer service!

About 3 years ago, my wife and I had to file Chapter 13 Bankruptcy. GMAC was one of the creditors in the bankruptcy. At the end of 2009, due to my wife losing her job at the beginning of 2009, our bankruptcy was dismissed. During the period, however GMAC recieved $3618.00 for the 2002 Impala I had. The claim amount for the bankruptcy was $5550.00. Well 2 months after the dismissal, GMAC claims they tried to call me 3 times to contact me. They called alright, twice while I was a work and 1 time when I was asleep during the day because I work at night. They have my cell phone number, which they never called and the 3 times they called were all to the house number.
On February 22, 2010, without contacting me, my bankruptcy lawyer, or no notice in the mail, they sent the repo man to my house to collect the car. While the tow truck driver was here, I called them and they told me that to get the car back I needed to pay $4800.00 and to call back in 24 hours. I got my stuff out of the car and let the repo man take the vehicle. I then called 24 hours later, that $4800.00 jumped up to over $6700.00! In 24 hours!!! There was still a possibility of getting the car back. My lawyer told me that they have to give you 10 business days to refile the bankruptcy. So we figured the vehicle would still be there at least until the end of the first week in March. OH NO!!! By that Friday, the car was gone to Baltimore for auction preparation. Let's see no notice of reposession, no physical contact to inform the owner it was going to be reposessed, and we have not gotten to the real crazy part yet.
On March 16, 2010 they sold the car to $3100.00. Let's add this up now 3100+3618=6718.00. Simple math right? WRONG!!! They sent me a notice saying I owe them $3672.00 more!! I called there so called bankruptcy department and they said I owe them for the balance due. I asked what balanced due? I only owed $5500 on the car. With the money that I have already paid and the money they want, it's over $10, 000!!! I told the guy, "Let's go to court, and I'll let a judge decide if anything is owed or not." I also told them that I am sure the judge will want to hear about the actions of your so called company. Let me know the court date please, and if I need a lawyer, I will have one!!!
I do not know what has gotten into this company, they used to be pretty damned good about customer service and willing to work with people. Over the past 3 years, they have gotten to be a company that is now on everyone's sh-- list. i plan on buying GM again, but will not deal with GMAC ever again!!!

For over 50 years my father was a GM car dealer (Cadillac). He was a staunch advocate of 'American-made cars' and was loyal to GM until his death a few years ago. No one in our family has ever purchased any vehicle that was not made by GM.

My husband and I have a leased vehicle, the lease is up this month. We contacted the dealer two months ago about 'turning' the vehicle in. Dealer at the time was worried about the TAXPAYER buy-out and told us he would look for a vehicle for us, not to worry and that Cadillac had a 'Pull-Ahead' deal and we would not have to pay the last two months on our lease. Being the daughter of a long time GM dealer, I knew what the dealer was saying. Lo and behold, phone call comes into my husbands business a few days ago with the threat "We will be repossessing the vehicle in ONE HOUR". My husbands secretary called him on the job to tell him. He then immediately made the final two payments to GMAC . What the heck? GM says one thing, then another? We are waiting for the new vehicle which was explained to GMAC but they did not want to listen. We have decided to cancel the new GM Cadillac we ordered and will be purchasing either a Lexus or Hyundai. After being loyal customers to GM for so many years, not to mention the family owning a dealership for many years, we are dismayed over the rudeness of the person from GMAC. First of all, giving out personal information to a secretary is an invasion of our privacy. Secondly, we were merely following Cadillac's instructions NOT to pay the last two months of the lease. Thirdly, as taxpayers, I am disgusted that any of our hard-earned money went into bailing out a company that obviously does not care about their customers. No wonder the company is folding. Good-bye GM, you've lost another group of loyalists and you have no one to blame but yourselves and the ignorance of the GMAC employees who have no idea how to talk to people.