This arbitrarily placed a 12 year old closed account back on my credit report despite knowing that the account had been assumed by another party and despite reporting the account as closed for the last 12 years. They were unwilling to change the information when given evidence of their mistake. They were unable to produce any documentation supporting their placement of the account on my credit report. AS a result, while waiting 30 days for it to come off of my credit report, I lost the house that we had been closing on since my credit score dropped from 775 to 615 because of this one derogatory account. GMAC showed complete lack of customer service or understanding. I can only hope that they go out of business and that the government does not bail out this inept company.
I took out a mortgage with gmac mortgage in 2001. When the initial payment due date was near I did not receive a statement. Not wishing to be accused of making a late payment I contacted gmac by phone and requested the address to make the payment. I was given an address and sent the payment prior to due date.
I was never given credit for the payment. Gmac kept accusing me of failing to make the payment for over two years. During this period I was in touch wit them numerous times on this matter but never got any satisfaction.
Two years later I took out a new mortgage and paid gmac off. After the new loan had closed gmac finally returned my payment by sending it to the escrow company that handled the new loan.
In 2008 I checked my credit reports and found gmac had been and was still sending negative reports to the credit reporting bureaus. I contact gmac and asked that this be corrected. I got a letter stating that they need further information. This in spite of the fact I gave them the complete loan number at the time of my complaint.
To this date I have not received any further correspondence from gmag nor has the credit report error been corrected.
I consider their actions slanderous a damaging to my credit and reputation.
I wish to file four (4) complaints against gmac bank.
Gmac bank has not given the same equal opportunity to open accounts and earn the higher interest rates they advertise on t. V. To all who apply. Thus I wish to also file complaints of false advertising over television against gmac bank due to this. And I wish to file complaints against gmac bank for discriminating against me for having had to place a fraud alert on my credit reports by refusing to properly identify applicants effectively thus intentionally refusing accounts thus intentionally refusing to allow me to earn the higher interest rates advertised on television.
Gmac bank has been advertising higher interest rates over television.
In may of 2008 I had applied to open a $1000.00 cd at the higher interest rate offered. Gmac bank never called me on the account. I finally had to contact gmac bank to request information on opening the account. I was informed that they had received the information and they requested I fax a copy of my drivers license. Then gmac bank requested I fax the drivers license twelve more times. No one could ever tell me why they wanted so many copies of my drivers license, but no one would help me either. I finally called charter bank and charter bank verified me over the phone using information from my credit report and opened the cd at a lower interest rate.
After that I sent another application to open an account to gmac bank. And there was no reply from gmac bank at all. I then in january of 2009 sent an application to open a savings account with gmac bank at the higher interest rate advertised on television. I never heard from gmac bank even though I sent in a copy of my drivers license, a bank statement for a checking account which I had used to fund the new account, my most recent paystub giving my name address and social security number, copy of a statement sent to me by charter bank on my ira cd's that also gave my name address and social security number and a copy of my most recent $100.00 us savings bond also giving my name address and social security number. When I called I was informed that they had received the application and $10.00 check and that they would be calling me in 4 to 5 days. I never received a call at all. Instead gmac bank returned everything to me denying an account as not being able to identify me. Gmac bank did not even try to identify me at all. I have sent all of that information and proof of identity to the federal reserve of atlanta ga with complaint of discrimination in banking. Gmac bank has not even tried to verify me by calling me to verify with credit report info.
In 4 attempts to open accts I have only been called once by gmac bank without helping me at all.
I sent a new application with identifying information to gmac bank in february of 2009. Gmac bank finally called me at my job and asked that I return the call. When I got home I called gmac bank new accounts. I was then asked to fax my drivers license more than once again. Upon my next call same day, february 9, 2009, I was told that by the girl that answered that she had opened many accounts that day for others who opened their accounts with even less than I had asked to open my account for. When I asked this girl why the discrimination against me? Why if gmac bank would open accounts for others but would not at all work with me or contact me to verify me; I asked why the discrimination against me? The girl replied to me, "I see you have a fraud alert placed on your credit file". And I told her that was no reason to discriminate against me. I asked to speak with a manager. I was told that there was no manager there or available and that she would take my information and have a manager call me on february 10, 2009. That call has never come in. Gmac bank then has discriminated against me because I have had to place fraud alerts on my credit reports thus using this to refuse to identify those who apply for accounts as I am a prime example.
Thus gmac bank, by not giving the same equal and fair opportunity to bank services, fails everyone.
I had switched my online savings to gmac a few months ago since they had a high rate (comparatively). When conducting an online transfer, I got an error message from the website stating to call. I called and the person was very friendly and assisted me in making the 10k transfer out of my checking.
2 days later, I find out that they processed the transfer twice - taking 20k out of my checking. This unauthorized transfer of funds put me in the red with my checking. When I called them to request they transfer the money back, they stated they had no record of any issue with the website or any error messages and that they could not put the money back. I would have to do a regular transfer that takes 3-5 business days. They also had a wire service that I could use that would transfer the money in one day, but they would charge me a fee for it.
I am now charged a fee from my checking account for insufficient funds.
I tried to close out my account with gmac due to this debacle, and so I transferred the account balance back into my checking. Apparently gmac didn't know enough about banking to know that the extra 10k they tried to take from me would be rejected by my checking account, therefore making the gmac balance that I was trying to retrieve incorrect. Now when the transfer goes from gmac to my checking, I will have insufficient funds with gmac. They then will have to take more money out of my checking to cover this.
My complaint is the following: why don't the people who work at this bank's customer service department who have authorization to move money into their bank have no knowledge of finance or banking?
Should people with no knowledge in this area be allowed to touch peoples' money? Should they be allowed to engage in unauthorized transactions with no repercussions? Should they be allowed to charge fees for their own incompetence?
Apparently the answers to all these questions is yes. This is bad business and I will never use gmac again. This is the worst experience I have ever had with a bank and I would advise anyone thinking of opening an account or keeping an account with them to think again.
Listen to my story... i lose my income in June, 2008... obviously a problem considering i have a $619 monthly payment each month, including my other bills. Meanwhile, GM is hemorraghing money and needs one bailout after another. So GM is begging for money to keep their business alive, yet harrassing its individual car owners for money who are broke due to unemployment. I proved to them my unemployment letter and have been looking for income since. GM is performing illegal acts of treason against US Citizens. On one hand, I have paid income taxes for 25 years to support the American Gov't, and then my gov't turns around and bails out the company who is threatening to repossess my car. Well the car got repossessed last week. if you take the approximate bailout money received by GM of $44 billion and divide it by an average vehicle cost of $15, 000 a piece, the number of free cars given to GM equates to 2.8 million. GM needs to give the taxpayers their due by putting a moratoriam on repossessions this year. A company like GM cant take money on one end (gov't), and hurt individuals who are struggling on the other end. Its stories like mine, and I am informing people about my situation which will cement GM's history as a defunct company. Myself or my friends will never buy another car built by GM. GM is about as much anti-American as AL Queda. I will keep telling my story and contribute to GM's final demise.
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 sold my mortgage to these knuckleheads in November. I never had a problem w/proof of insurance w/GMAC, but such is not the case w/Everhome because Everhome is also in the business of selling homeowners insurance @ a "premium" Allstate twice faxed the proof of insurance and I have sent proof of insurance via certified mail only to be charged 2.5 k for insurance purchased by them for my home. I have also sent several faxes, which just happen to end up too dark to read.
I was told in January that they had received the proof of insurance and would be removed from the website in 3-5 business days, but that story has now been changed to never been received.
May monthly payment have jumped from 1400 to 1900? Needless to say I have hired an attorney and filed a complaint w/the state.
Evil company - avoid @ all costs.
GMAC and Auto financing is the worst ever. I will never ever use General Motors or GMAC financing until the...
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.
My husband and I have been driving cadilacs now for over 8 years. This past june the lease on our 2004...
I received a call telling me that my son was 2 months past due (i co-signed). My son said he tried over and over again for them to help him. He lost his job and found another but it was a big pay cut.
I called and was able to get his payments deferred. He made a payment. I received a call from a Ms.Nelly Roberts (needs attitude adjustment) said my sons check bounced and less i could give her a check that day for 3 months she was going to have the call repoed. My son informed me that his check cleared. I had him go to the bank and get a copy of the front and the back of the check. We called Ms Roberts left a message for her to call me back. To this day 3 weeks later she still has not called back. I was able to get a hold of another collection rep who informed me that they did receive tha payment and that it was a human error in posting. I think someone should have called even just to say hey sorry there was an error.
I just returned my car to gmac smartlease. The car is in impectable condition. My husband and I have photos of the car just before we turned them.
Gmac smartlease is trying to assess $809.39 in charges for a damaged bumper. I have contacted marcus at gmac numerous times. I have explained to him about the photos. First, he hung up on me. Then, he said he could not verify who I was, despite giving my name, address, and account number. When he finally responded to me, he said he could not verify that the photos were recent.
This company is bunch of crooks. Never use gmac for any lease.
My insurance company, twia has issued a claim check in my name and gmac. Gmac's process to get it endorsed has intentionally delayed the release of my funds even after it was inspected by their inspector. I have jumped through every hoop they have put in front of me taking an additional 3 weeks of their "process".
I am now being told that I need a statement from twia that they accepted the sworn statement of loss from americat, llc, the adjuster firm. This makes no sense. The check was cut by twia, of course they accepted the sworn/notarized statement of loss/adjustment. This is an intentional delay to make money off of the funds that belong to me, again even after their inspector inspected my property and filed a report stating that 99% of the work was completed at my expense.
I have asked repeatedly why they need this information. I was told "you don’t need to know, all you need to know is we will not process your request further until we get it".
I have fixed my home at my own expense and gmac is intentionally delaying getting me my insurance claim moneys. This is a ploy that is wide spread in my community and is criminal. I would hope someone would
Investigate gmac mortgage and penalize them in what ever fashion possible for this blatant act of dishonesty and criminal behavior.
I had an auto financed in 2002, paid it off in 2004, and received my certificate of title from the finance company. The title is stamped "paid in full", general motor acceptance corp. It is signed, illegibily next to the words "lien released by", and it is dated 11/19/04 on the appropriate line below the signature.
Sounds right, looks right. I requested a duplicate title by mailing the correct form and payment. But nj motor vehicle says there is still an encumbrance in favor of gmac! But I have the "paid in full" title in my hand!
So I take the title to the nearest motor vehicle. No mention of encumbrance or lien not released. I pay, and wait, but no duplicate for me. Motor vehicle is now requiring me to find out "what is the title, or position of the person who signed as 'released by' for gmac?"
How am I supposed to find out their title? I can't even guess their name from this signature!
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 recieve 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.
I have been trying to get GMAC to take the late fees off of my Auto Account, the balance due is only late...
Our gmac lease was on automatic withdrawal. Payment was missed/late and the car was reposed. They didn't even want to discuss anything but total buyout on contract. Who can afford that. What now. Now we are being threatened with wage garnishment. I am hearing more and more stories like this all the time. We paid about fifteen grand on the lease and it sold at auction for fourteen grand. The car only sold for twenty three grand brand new. They still want another eleven grand to clear the lease. I will never buy or lease another thing from gm ever again. I apologize for my poor typing.
Gmac mortgage was helpful when I was trying to sell my home for the market value, which had dropped and was less than what I owed. They did so by a short sale, of which I have to pay them back since it was in 2006 before the cancellation of debt bill went into affect.
Two years later I receive a letter from the irs stating that I owe them $4, 000 in taxes from a "cancellation of debt" by gmac. After many letters and documentation from the closing, I was able to prove that I was paying back the amount and it was not a cancellation of debt. The irs letters were not very clear and I had to re-read the entire situation many times before understanding what they thought I owed money for. Most people have to hire a lawyer!
If I am just one person that gmac mortgage wrote off as a cancellation of debt for $14, 000, imagine 10, 000 other people @ $14, 000 for tax yr 06. That would equal 14, 000, 000 they tried to save by reporting losses incorrectly!
This company suck big time, lies, deceits, transfers, lies, lies... on whole for 20-30 min, rude, mean... something needs to be done, and soon, these people call you On Sunday, few min before 9, the ones that been there longer, really know how to hurt you. But what goes around will soon comes around, and this big company going to fall hard. Company full of liars, need one honest person at gmac, probably the cleaning crew. Gmac hired professional thieves to repo your car, then they steal your money to get it back, company full of liars. Gmac steals.
I paid my car note with gmac on time for five years. When I requested the original title to my vehicle, it...