In July 2008 I filed an insurance claim to have water damage to my garage fixed. My insurance agent was on the job right away. Had my check for repairs in less then 7 working days. But they had to put GMAC name on the check. In turn GMAC stated 'if it was below a a 10, 000.00 claim to put my account number in the upper right hand corner of the check'.

I did and send it tracking with the paper work I was sent filled out. In turn GMAC sent the paper work as well as the check back to me. Told me I was to sign my name on the check and resend the paperwork and the check. This was in August 2008. Next in September GMAC called my at my work place nearly causing me to lose my job to tell me I needed to fill out yet more paper work and it would be sent to me.

Next I received the paper work that needed to be filled out and have it notarized. GMAC kept the insurance check, though. October 16, 2008 I called GMAC insurance claim department and was assured 1/3 of my check would be disbursed within 5 to 7 business days. As of November 3, 2008 I didn't receive a check, a call, or anymore paper work. Just an informal letter reading my check was put into a separate escrow account and to call again.

I did call and was told I need to re-do and have the contractor as well as myself resign and notarize all the paper work. I had to pry out of the GMAC female non speaking English rep. as to what paper work. Then I was told I wasn't allowed to have any of my paper work back or the check. That if I didn't make copies I was just out of luck.

The rep. contacted a Mr. Marin White while I was put on hold. Then came back to me saying Mr. M. White stated this this and that. I asked to speak to Mr. M. White myself. Put on hold again for 5 or more minutes. The rep. got back on to tell me Mr. M. White left work 20 minutes before I called.

Now I'm left with the paper work I did copy of course and have to call my contractor to meet me again to re-sign and notarize the paper work. Please no I live in Michigan and the time frame of this insurance claim and trying to get my garage repaired has lead to further damage to my garage the past 3 months.

GMAC states they have interest in my property yet in letting it go to ---- in a hand bag. Now my contractor and myself are left to do the clean up and repairs during the winter months. I honestly believe GMAC is keeping my insurance claim check in a separate escrow account with full intent to rip me off and keep it. If anyone knows what my rights are regarding this I sure would appreciate some input.

Received a call from GMAC regarding my husbands auto loan which made me realize this was due a few days ago. I could not find the bill, they would not let me in to the account on line and they would not give me the account number so I could make a one time phone payment. My husband had to call while at work to get the account number and they hounded him to make the payment. He wrote down the account number and hung up! Overall I spent about an hour just trying to make a stupid payment! Poor customer service!

every day (on my cell phone) i get the same call about this is your second notice of warranty.
one day i called them back. they asked for our account #. i told them all our cars our paid for. then they asked for my s.s. #. i was irate and told them i will track them down and report them. i still get calls. i also asked for their address so i could send them my cell phone bills. they hung up
their number: 1 319-433-1442

GMAC is the most incompetent loan company in America! Their insurance department does not talk to their mortgage department, who does not talk to their taxes department, who doesn't talk to their foreclosure department, who doesn't talk to their 'special promotions' department. I have loans with several mortgage companies. All are paid automatically, electronically, every month, without fail, on time, every time. All of them are simple matters, except for GMAC.

GMAC requests proof of insurance. This was provided six (I'm not kidding, six!) times. Since they can't find the proof, they impound the mortgage payment. Eventually someone in insurance goes through their inbox and posts the proof. The insurance department takes a few weeks to let the mortgage side know. In the mean time, they start foreclosure proceedings. And, their automatic phone harassment system goes into high gear. I get daily calls saying my loan is in default.

Then the letters start coming. I'm in default. Letters show that my credit rating is lowered for late payments. Then, just to sweeten the experience, I get phone calls asking if I want 'appliance protection' for only $60 a month. I have spent over 30 hours on phone calls, leaving messages, sending them their own acknowledgments that I have never missed a payment, and that the property is insured. Still, they can't fix this. And, they're adding late fees.

Now get this: Their mortgage people refuse to do a conference call with their own insurance department.
So, this batch of incompetents is destroying my credit, fining me, mis applying payments and foreclosing.

I encourage everyone to avoid GMAC at all costs. This is as incompetent a company as exists in America today.

Do not use them folks, they will have fake late payments. It will go on your credit and you have to call and write them letters to correct the problem. They are bad news.