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GMAC Mortgage, California Complaints & Reviews - customer service |
| Review all GMAC Mortgage, California complaints |
GMAC Mortgage |
| Posted: 2008-12-30 by |
 | mark |
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customer service
Complaint Rating: 
Company information:
GMAC mortgage
California
United States
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well this is it i complain about people who are complaining here!! this people are complaining because they are idiots! they complain about something in their loan but the reason for the mistake is of their own doing!! they never read instructions!! Ive heard of a complain about their monthly because of blah!blah!blah etc. but they are just trying to escape their obligations!! they reason out for the mistake they did!! Other people asking bout why their payments were misapplied but the real thing bout that mistake is they didn't write where the payments should be applied then they call and complain and complain and complain but the truth is they did the mistake in the first place!! people please listen and analyze first before you believe in these crap complaints ok??
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Obviously you work for GMAC Mortgage and you believe your own lies! What a shame! I don't care what you say about your company, I know for a fact that I signed a contractual agreement with GMAC Mortgage in June, 2003. Made my payments on time, even implemented the Bi-Saver program. In March 2004, GMAC began charging me an additional $500.00 per month because my escrow account showed a more than $2000.00 negative balance for the previous year and after they adjusted my 2004 Escrow, they began charging me $500.00 more per month. I investigated the issue on my own and found that instead of paying $94.00 per month for PMI that I agreed to when I closed on my loan they were charging me more than $350.00 for PMI. For 2003 all but $8.00 of my escrow payments were going to PMI.
I contacted GMAC Mortgage; faxed them a copy of my PMI agreement and GMAC Mortgage agreed they had made a mistake. To add to my hardship I was undergoing medical treatments that were keeping me from working full time. I was making enough to meet my financial obligations before the $500.00 was added but simply did not have that extra income to continue paying them. I thought once I showed them the error they made it would be fixed and I would go back to paying something similar to my original payments. They told me it would take months to fix the error and that I would have to continue paying the overage till it was resolved.
I had all the proof, I had their admitting to the mistake but I was still obligated to pay extra for nothing! I explained to them I couldn't afford to at that time and would continue paying my original payment plus the increased 2004 escrow amount which would have resulted in paying about $18.00 more per month than the previous year. I was told that I could not do that and that they would not accept partial payments.
That was March-April of 2004 and the problem was not resolved till late August of that year! They were not sympathetic to my situation at all! I was very open and honest with them about my situation and was fully capable of paying my true obligation but not the extra amount! I had to stop the Bi-Saver program, went nearly 90 days past due on my account twice, had to pay thousands in penalties that had nothing to do with the actual money I borrowed from them! You tell me what I did wrong other than pick the wrong financial institution to fund my Refinance!
When the issue was resolved, they sent me a check for less than $500.00. You tell me how that computes, I pay six payments to them with an extra $500.00 for the mistake and I get reimbursed just under $500.00, not $3000.00! And at that time I had paid them two payments including late charges and such after taking out a hardship withdrawal from my 401K to get my account current. It was a juggling act each month, what bills were going to get paid and which ones were going to have to wait!
And that is just one problem I had with them. It is funny how you sign this contract when you borrow money but the lender isn't obligated to follow the contract? Why is there a contract at all if the lender doesn't even follow their own rules outlined in the agreement? My PMI was supposed to have been dropped April of last year according to my contract. After several phone calls and letters I got the same answer! I would have to pay for a new appraisal and submit that to them.
Oh and I didn't seek them out for my refinance, they contacted me and told me they could save me thousands if I refinanced my home with them! What a joke! When they told me I had to pay PMI I had about 17.5% equity and was told that I would only have to pay till my principal balance fell below 80% LTV to my appraisal that I had when I refinanced. And that is what it says in my contract, or if I did nothing it would automatically come off in Nov, 2009. Well in April, 2007 my LTV was below 80% and now is below 75% according to my appraisal in 2003. Now I know the current housing market problems and home values have dropped each year but in Black and White it clearly states the LTV according to the appraisal done at the time of the loan! How can it be argued? Since Nov. 2008, GMAC Mortgage sold my loan to Nationstar Mortgage Company. I am still trying to figure out how this is going to work. I will never use GMAC Mortgage again and would love to see them tank and go under! It would be awesome if all their customers gave them the same courtesy I received and gave them the big Middle Finger!
GMAC Mortgage is the DEVIL! |
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| I have never been late on a payment my husbands & my credit scores just topped over 820 when we just bought a new Honda minivan. GMAC Mortgage services my mortgage with CMG Mortgage. It is a HELOC which is our 1s our 1st position mortgage (ONLY MORTGAGE). Our rate over the last 3 years hasn't gone above 3% interest. It is not a teaser rate it is a honest ARM. We are lucky to get this rate bc we put down 25% cash on our home purchase at the time of our loan and we pay large chunks of principal witht he understanding thus far that we could access this pricipal up to our original loan amount for 10 years. This is a wise situation when your money is earning much more elsewhere. We have recently used a good amount of our available credit line (as we have MANY TIMES over the past 3 yrs) to do some home, and private business improvements. We still only came within $5K of our loan allowance amount. Well now I have a letter from them saying we need to essentially re apply for our 30 year agreement with them. They are saying it is bc our home have been AVM as depreciating. If reducing our credit line isn't irritating enough, they also on the 2nd page informed me I have 15 DAYS!!!from the date of the letter (5 days ago dated and today is Friday night!) I have to submit this info or this " WILL CONSTITUTE SEPARATE GROUNDS FOR PERMITTING US TO SUSPEND, OR CONTINUE SUSPENSION OF, YOUR ACCOUNT. (It has the oddest punctuation and NO ADDRESS to send it all to!!!) Then they say "WE UNDERSTAND YOU HAVE HANDLED YOUR ACCOUNT RESPONSIBLY AND WANT TO ENSURE YOU KNOW THIS CHANGE IS BEING MADE DUE TO DECLINE IN VALUE". I am very worried about this if they suspend this account our new home business will be affected. When we got this mortgage 3 years ago my husband and I both worked, now I'm a SAHM with a new business. It shouldn't matter as long as we continue our part of the agreement and we have to the letter. I am very angry about maybe needing to refinance now and change our cash flow. |
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| Fuck you Mark you Banker supporting Little Jew Worshiping fkng little Kike. All of these bank documents are drafted by STINKY LITTLE FKNG JEW LAWYERS WHO PREY UPON HARD WORKLING PEOPLE WHO DON'T HAVE A LAWYERS VOCABULARY.. The term written in these loan documents were written by lawyers who were hired by the banks in the 1st place, who have wriiten up terms that will always allow them to win against the Consumer so Fuck You. I won my case against Bank of America without a Lawyer, I proved my case with 6th grade math. And the Judge Voted in My Favor. He was a non Jewish Judge, the previous one voted against us I appealed because I proved he was a 3rd cousin to one of the Executives who works for Bank Of America who had our Mortgage. I pay my bills 840+ credit, lost a job of 23 Years cause we got bought out by a company that was Jew owned & they sent 2400 people to the unemployment lines. I will Get My Victory When Everyone of these Cocksucking $$ loving stinky azz fucking little Kikes Burn in Hell for Killing the only Loving Jew who ever walked the Earth and the ONLY MAN EVER WORTH OF PRAISE AND WORSHIP: that is JESUS CHRIST HIMSELF. i WILL NOT honor MANs the jew laws of this world/country, But i won't break them. I will ask for GODS forgiveness of my mouth, BUT I WILL NOT HOLD BACK THE TRUTH FROM SPEAKING OUT AGAINST ALL OF THESE BANKER CROOKS WHO DO NOTHING BUT FUCK PEOPLE OUT OF MONEY AND CREATED THIS SYSTEM 97 YEARS AGO WITH THE INTRODUCTION OF THE fED'L RESERVE AND THE jEW BASTARDS HAVE CREATED EVERY WAr AND MAJOR CATASTROPHE that has ever plagued man. They have systematically manipulated this world into becomng their Money slaves. WELL FUCK E-1 ONE OF THEM, i AM SLAVE TO ONLY ONE PERSON GOD, he will smite these nasty snake in the grass fnkglittle little kikes for their atrocities and their Love of $$ instead of GOD who gave them their Riches in the 1st place. THEY WORSHIP THE DEVIL, AND gOD WILL GIVE THEM THEIR just reward A 1ST CLASS TICKET STR8 TO H E L L. I will be the heavenl;y toilet flusher and flush the shit out of Heavens toilets upon you wretched stiknky azz mthr fkrs in Hell. |
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| I am laughing at Mark. GMAC just denied helping me at all because I am current on my mortgage? I owe 33% more than this home is worth! I put out in bills every month what I bring in. If it was not for selling possessions and working side jobs we would not eat. GMAC stated they do not work with customers who are paying their bills and do not do any type of principal reduction. I explained to the lady that if I let this house go they could kiss an easy 50% of the loan good bye. She stated she hears that all day long and she could not help me at all. I feel like we bought a home at a buy here pay here car lot. I am trying to convince my wife that we are not making sound financial decisions to keep this house! If Indiana, and that is a big if, starts appreciating its standard 3% a year we might be able to sell it for what we own on it in 15 years, and that is if I keep pouring money into the home for updates like remodels and roofs? God I should have rented a nice home! I tried to approach GMAC fairly and treat this like a business decision but they have no desire to do that. I am a moron for continuing to throw good money after bad. Also if one more person at GMAC tells me that I have a good rate (6%) I am going to puke! I could care less what other folks are paying. Since when do you treat folks that are CURRENT ON THEIR PAYMENTS LIKE DIRT? I should be like every other POS and walk away from this house and let them have it since it would be the smart business decision. GMAC HAS NO BUSINESS SENSE AT ALL! |
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Sign of the times, they don't care. Nor will they ever care. They ought to be Glad God is a caring God. They will have one last chance to believe if they don't ( and 98% stupid greedy azz fkng Kikes won't) str8 to hell with them all. They Love Money $$$ more than GOD. I can't wait til they all burn. Their real holocaust is coming. All of this Jew sympathy makes me wanna fkng Puke. It would have take 22 years 4 months and 17 days for them to Burn or kill the supposedly 6 million Jews that died at the hand s of Hitler. Hitler himself was sick twisted little fkng kike that changed his name, ( like most of them do) to disguise their true identity and devil worshiping ways while upon this wretched stanking azz earth. God know who you lowlife stinky azz mther fkrs are, and so do I, I can smell you rotten kikes a mile away.
You lower than whales shit mthr fkrs are gonna pay for what you have done to this earth and its people with you scumbagg ways. The devil will a a new bitch every night with you Money whores. Burn baby burn Jew Inferno. I can't wait til you get whats coming to you,
you killed the Messiah and he's coming back to kill you low life mther fkrs. Won't that be a Happy Day. A M E N !! |
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| GMAC no matter if car or home do not buy and they will go under. I have started the trend with my large family. I show all the complaints to everyone who are swayed not to buy. That's my contribution. |
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