I have a vehicle that I financed with GMAC. The deal was a rush job that I was basically powerless to stop; I had just moved to LA and my company -- which had previously been financing my stay -- decided to return my rental car and end my hotel reservation, effective immediately.
Needless to say, this put me in particular financial peril, as a result I was forced to spend nearly $3500 cash out of pocket for the car and my place of residence. This lent itself to my becoming one month behind on the payment, but until the fourth month, I was making on time payments, awaiting the opportunity to fully catch up.
However, just 2 weeks prior to the due date of my fourth payment the fuel pump malfunctioned and cost me $555 to fix. This put me two months behind, and finally, medical expenses that I had to pay on my Mother's behalf put me somewhere between 2 and three (not quite three) months behind on the payment. None of this was unbeknownst to GMAC!
Throughout this time I have made numerous phone calls to GMAC customer service, and the GMAC collection department has called me; however, each time I speak with someone from GMAC there is no cooperate recollection, or access to such records describing the correspondence that has taken place between myself and the company. This was initially a cause for concern when a rep told me that the collections calls were generated by a computer, and no matter if I called everyday, these calls would still be generated. At this point, I have obtained a new (higher paying) job than before, and I simply requested -- from the company where I am spending a ridiculous finance charge for a used vehicle, continuously depreciating in value -- to send me a record of our conversations and they told me that they would not do that. The best explanation that they could offer me was that the records belonged to them, and that they could not provide a written statement for me, stating that I had called in to establish discourse with them to ultimately protect myself from unwarranted collections pursuits. This was in response to a threatening mailing I received after making a payment on 11/16.
I find this to be both lacking in integrity and dangerous for me, the consumer. The least that GMAC could do, is offer me an adequate explanation of the policy. I am getting older now, and I have always been fairly wise/intelligent, and I am sick and tired of having my intelligence insulted by the minions of corporations who -- more times than not -- lack the ability to think for themselves and thusly treat their conversations with me as they would a written response to a training test. I am not on paper. Can you all help? I find that I need to fight organization with organization!