I'm not even a customer of GMAC but yet I received a phone message from the GMAC collections department. The woman who left the message knew my name and my address. Here the call wasn't to try to collect a debt from me, but she wanted me to get in touch with a neighbor and have the neighbor call GMAC because they have a debt with them. Is this legal? The message clearly said my name and asked if I could get in touch with a neighbor, she then provided the neighbor's name. She provided the neighbor's address and asked if I could relay the number and extension to GMAC to the neighbor. Again, is this legal? I called the number GMAC left and spoke with the woman who left the message. She had a poor attitude as if I did something wrong. She told me she had retrieved my name and number from a public data base. I asked her if this was legal and she cut me off saying would you like to be removed from the list. She kept repeating it and cutting me off, so I finally just said "yes, remove me". I saw online how many articles there were complaining about GMAC and how their collection representatives have been accused of being rude, nasty and going to extremes when phoning customers. Again, I'm not even a customer and I have to be subjected to their phone calls. It should not be legal.

My son is going through a divorce. His wife left him with alot of bills and a mortgage he can't pay by himself. His income was depleted by half. Now GMAC is taking his house even though he has tried to refinance with them. This has been going on for three months now and they keep sending him papers to sign and he signs them and sends them back. I saw his house up for auction in the local paper this week. It said it would be auctioned off on the 6th of March. He knew nothing about this. When I called him and asked what was up, he knew nothing about it. Then Wednesday he got a letter from them telling him he would be foreclosed against. Now he won't even have a home for him and his sons. They don't work with people and you can't get ahold of them.

I had a stellar account with GMAC until March 2008. It was at that time I lost 100% of my income because of an ongoing civil rights dispute. In the past year I have sent numerous emails to various individuals at GMAC requesting someone contact me regarding what my options are in this situation. Unfortunately, since last April I have not received a single response to my emails.

In fact I have received just the opposite of the assistance I have requested in my numerous emails. I recently began working at a temporary job, therefore, I cannot receive telephone calls at work. Per the FDCPA I informed your customer service representatives that I am at work and can be reached after 5:00pm. Unfortunately, I still receive at least 3 phone calls before 5:00pm. I answer each one and say the same thing. Last week alone I received over 25 phone calls before 5:00pm. Today, I have received 3. Again, this is after telling the representative that I am at work and cannot receive calls.

I must say that I am deeply disappointed with the way this situation has been handled by GMAC. I would have thought that companies like General Motors and GMAC would be especially sympathetic to consumers who find themselves facing financial hardships and who have no one to turn to for a bailout. Ironically, it has been the companies like Hyundai who have not faced the same financial challenges and woes as their customers who have been empathetic, sympathetic, and understanding. To me, this is very sad. I truly hope there is some way that GMAC can work with me in my current situation as I have tried to be more than informative with GMAC (even when I am contacted repeatedly while at work when I have stated I am at work.)

GMAC repossessed my car 02-12-09; my son had dropped me at the train station. When he came home 2 repo men and 2 phony Sheriff's officer armed with bolt cutters etc. Approached my son telling him they came to repossess the car. My son tried to reach me; but in the subway you can't get a single. So he asked the 2 uniformed officers for identification; none was produced. The only reason they didn't cut the gate lock was because the dogs were sitting at the gate. Oh, I almost forgot the two uniformed officers arrived with lights flashing atop the squad car. I've filed a formal complaint with the Cook County Sheriff's office and was informed if they were in fact sheriff's police and took part in this repossession they can be suspended or both. Techincally, they were on duty and secondly should not have taken part in the repossession especially in uniform. If they were not sworn officers they face even bigger problems. GMAC sucks; but they want a bailout--they should fold.

Angry consumer

GMAC froze the $100K line of credit in early 2008 with only a $2500 balance.

Initially, they sent me the letter of notification of the freeze. On my next statement, they charged me an annual 'use fee' even though the line was frozen. After many conversations I got the fee waived as an obvious excessive charge.

Now, while I have not had use of the line and having lost six figures on the sale of my home, I am paying it off and they are charging a prepay penalty of $500 for this paltry $2500 balance and won't waive it. Seems ridiculous and excessive.

Any others have similar issues?