Graduate Management Admission Council [GMAC]
Reviews and Complaints

I purchased a used Acadia 2008, thought is was a good truck, optimum 150 point inspection, bull ###, test drove truck before purchase and had noticed vibration in front end, salesmen said it will be looked at and we will be notified when truck will be ready for
us, picked up truck 4 days later, salesmen goes to put $25.00 gas, ###, back before I could finish a smoke, next morning, fill truck because we don't have enough gas, truck shaking hard at 100km, take it to my local garage, CAA approved. all 4 tires not balanced, 10 days later return to GMC dealer, request to return truck inside the 1500km guarantee, dealers says don't return truck for small problem we fix, ###, with front end noise, rear speakers not working properly, no problems found, return again, front end noise, mechanic says, stabilizer bar should be changed, solution on bill, removed bushing, clean and grease, now 3 months has passed, found bills from previous owner in truck with recorded mileage, oil change Walmart Florida 12900km, 6 months later, trans mission garage 12035km, now really pissed, return to dealer and try to resolve the problem like a human beings, he see nothing he did wrong, says the millage was not properly registered, ask for trade in he says my truck is worth $16000, now he wants to change front end suspension on my extended warranty that I had purchased for the truck, ###, truck has just hit 60000km, now I'm pissed, dealer doesn't want to resolve this, threaten lawsuit, did a car fax report, car accident ed a few months before trade in, $9000.00 damage, call dealer, we don't use car fax we use car proof, spend $50.00, car accident ed, hit guard rail and jackknifed with trailer, dealers response, the previous owner signed off on millage and no accidents, dealer said he was taken, ###, we caught you, now he is taking the truck back, next week, I will be out a few thousand $, and still not happy, why do people, do their best to screw people for their personal gains, it's not right. not sure what to do but I'm pissed, bad people should be punished and not forgotten.

my name faliesha me and my mother has a 2007 colbelt LS 2door in the year of 2008 june i sent in the payments of three hundred six dollars and seventy one cents they called my home told me they never got the check now they have to charge me late fee I was puzzled y they dident get the check so gmac wanted five hundred and something how was I going to pay gmac I was in tears they going to take my car repo it like they told me I only get paid once a month of ssi so I cut half my bills in came up with four hunderd I sent in the check after so I CALLED TCF and they told me gmac cash the check for three hundred seventy one dollars seventyone cents and also a check of four hundred even in the same month of june I reported to an attorny and I sent in copys of the checks they cashied to gmac and they called me an liar I made up the check so what they did was pushed back my payments so I would pay more they are rude they hang up in my face its time to fight back!

Pay your bills and you won't have problems. Don't blame GMAC for this.

I'm in Canada..Have a 2006 Saturn VUE on a GMAC Lease.. Fell onto some hard times and miss 2 payments. I offer to return the vehicle and put the remianing payments into my restruction program. Gmac informed me that the vehicle would be sold at auction and what ever they get for it I be responsible for the remaining cost of the actual buy out not what is left holding on my lease. I offer to sell the vehicle myself and found a buyer. But the buyer only want to pay $16, 000 and the buy out is $18, 659. Gmac refused to release the vehicle on less all the buy out is paid. So here I can have a $2000 shortfall which I would put into my restructing or let them sell it at auction at end up paying $8000 on a short fall..Girl name Kim in collections was very rude and even hung up on me...Consumers must be warn about this company..

THIS IS A SCAM THESE M**F**ERS *** TRESPASSED AFTER WATCHING MY HOME AND THEN LEFT A SLOPPY NOTE AT MY DOOR SAYING I WAS IN DEFAULT! ON MY MORTGAGE ! I AM NOT ASSOCIATED WITH THESE SCAMMERS! CALLED AND REPORT TO THE POLICE AND BBB

I have been waiting for my original car title since 2010 when car paid satisfied off. Was told they mailed it to my
P O Box number and I informed them I had not received it and it was probably returned to them by the Post Office and that being the case they should still have it somewhere in their office and to re-send to me at my physical address. To date I have not received my title. It is 2015 and I am still waiting. I contacted GMAC which is now listed as Ally Bank and they said they do not have it as it was mailed to me at my P O Box address and again I had to explain the scenario again since 2010. The letter states that the title has been satisfied and they no longer hold any interest in the title. UNREAL! I now have to pay $50.00 to Delaware DMV to get a copy of my title. My car was recently rear ended and totaled by the at fault person's insurance company and they are giving me a hard time and refuse to release payment for my car that was totaled until I produce the title. This is a big inconvenience to me without transportation not to mention financially in which I will not be reimbursed. It's not so much GMAC as it is Ally Bank's incompetence.

ANYONE HAVING TROUBLE GETTING A LIEN RELEASE LETTER SHOUD CALL [protected]. IT ONLY TOOK 3 MINIUTES ON THE PHONE AND THEY FAXED ME THE LETTER RIGHT AWAY.

PAID MY CAR OFF EARLY, 2009 & NEVER RECEIVED ANY LOAN SATISFACTION PAPERWORK NOR DID I RECEIVE THE TITLE FOR MY CAR. UNABLE TO COMMUNICATE WITH GMAC IN HUDSON, OHIO AT ALL - NOW ITS' ALMOST 2012. SO WHAT'S NEXT? GENERAL MOTORS THIS DOES NOT MAKE YOU LOOK TOO GOOD. I'LL BUY A FOREIGN CAR NEXT TIME.
MY ADVICE TO ALL WHO WANT TO FINANCE THEIR NEXT CAR - DON'Y BUY FROM GM AND DON'T USE GMAC TO FINANCE ANYTHING! BW

We paid our car off 2004 and still do not have the title-now with the new immigration laws here in Alabama we had a very hard time getting a car tag0-just went through hell to get it. And will not be able next year without this Title. We will never go through GMAC for anything again.Any ideas on how to talk to a real person there?

wow this is hopeless for me, cause I'm new to the situation, but i see I'm not the only one. can i give it as donation... one of those no title no problem charities

i am going through this now..my vehicle is payed of and has been recalled and deemed unsafe by ford motor company, they offered me a buy back and i cant get a lien release or a damn title..its so frustrating..i will never go through gmac again, for anything..

I am going thru the same thing. One difference is my mom died before we got this cleared up, and now as her heir I have a car that I can't register because I can't get title changed & lien released (cars been paid for) . I have entitlement from the court house, signed papers.I have wrote many times to many address' but no answers as of yet. I will take any kind of title..@ this point. Now the town is going to impound the car because it dont have a tag that I can't get, becauce of GMAC not releasing the title. This has been going on now for10 months. I dont know what else to do.

I vehicle has been paid off for over 7 years and I have been trying to get the title switched over, only to find out GMAC has not released the lien. Even now when I call to get it release the customer service "SUCKS" and they were unable to find the vehicle in their database. This is the dumbest thing I have ever heard! Even though they were not able to find the vehicle information, I have to wait 7-10 business days to receive it in the mail? I am wondering how they are going to do that when they cannot find it!

I paid my blazer off approx 6 yrs ago when I refinanced my home. Although I had paid the registration, had it smogged and had proof of insurance, 2 yrs later the DMV would not give me my current tags, only a temporary number to be taped in my back window. They said that I needed to contact GMAC and have them remove their name as lienholders. I have sent several of the forms that the DMV requested and I have called and left messages and haven't received a response. The DMV also told me after 2-3 months that they could not give me another temporary number because this was taking way too long.
Ridiculous! I paid my registration and passed smog and had insurance and because someone at GMAC can't seem to do their job properly my truck has been impounded. I am not sure if I am more angry at GMAC or the DMV.

I have been trying to get my lien release letter or title for 18 months, one letter came back that I sent to Hudson, OH. So, I sent the letter to the address I sent my payments to for 5 years no answer or phone call. I sent a letter to the dealership 3 months ago with copies of all of my paperwork, not a word from them. I have my checks for provement of payment never late on my payments. I am stuck with this car without a title to sell or trade off.

i too was ripped off by gmac.i tried to modification loan and was told to send in a 940 written by my bank themselves.and then 961 a month.they said the 961 wasn, t enough to redo the loan and sent it back but they cashed the check the bank had made out of 940.they won, t tell me where the 940 is.And to begin with i was scammed out of my home cause me and my husband were falling behind on our wells fargo mortgage.my husband found this guy who would help us save our home and do something like a buy back deal and our name would still be on the house.we sent the checks to this guy who helped us.After my husband passed in 06 i kept makint the house payments and was trying to get a new loan for myself.then in june of 08 i got a letter from gmac that the house would go to forecloser.i paid 1200 checks to this guy we sign with in 05 and i found out our name was never on the loan that he brought the home from us altogether.and then i later found out he took a 2nd mortgage on the house with another co greenpoint mortgage in aug of 06 right before my husband died.there was 10, 000 taken out of the house.i cant get a loan because this guy won, t work with me a Mr George Hatfield has my home along with Gmac.Gmac won, t do anything and took my money.I now have 2 weeks or so to get out of my house.Its going to be auctioned now.This is m home and i don, t want to move.I can get my own loan now but how to i get it from gmac? and not only did i lose money to this guy who took my home and he didn, t pay for 11 months on the home.So i lost all that money money i sent to gmac now and lost my home to this Mr Hatfield.I have no money to move or a place to go.Mr Hatfield did a modification wth Gmac and letter was sent to my address saying the loan was ok and to send in those 2 payments i talked about.The house is going to be gone and i don, t know how to get it back or who to talk to anymore.I want to file a suit against Mr Hatfield for what he did and Gmac.I live in Delaware can anyone tell me who to talk to and where to go to stop them from taking my home.Thank you

gm financial will run a scam on you, when u are almost done paying for your car or loan they wil change your payment due date without notice.and run up fees when you try to pay the socalled late fees they act f in stupid and apply it to the principle, and run up more fees .

Very incompetence workers in the charlotte nc. office.

I too am going through something similar! As we speak I am on hold(go figure) with GMAC corporate!
In Sept 08 I began a loan modification on my morgage! ( I was NEVER late on my morgage and was doing this to be pro-active because I was starting school and would not be working as many hours) I mailed them the down payment via Fed-Ex overnight (Thank God it was tracked)! They claimed they NEVER recieved the check! Well according to Fed Ex not only did they recieve it someone in their mailroom signed for it! I continued to call back and forth for FOUR months! During this time they assured me that not only did I not owe any money because I was in the process of a loan modification but it would NOT affect my credit rating because technically I was "between" loans! Well...
Last week I applied for a small four thousand auto loan though my bank and was declined because according to my CREDIT I was 90+ days late on my morgage during the months of September through December! I have spent the last 48 hours talking to customer service rep after CS rep! Still I have got NOWHERE! I am now unfortunately going to have to resort to legal ways of which I have yet to figure out how or where I will get the money for this! After all the entire reason I began the loan modification to begin with was because I was going back to school(of which I am now a full time Nursing Student)!

I would love to know if others are experiencing this as well as us. They never recieved my online payment and consequently are dinging my credit for not recieving the payment. They said that I could write a hand-written letter to all three credit bureaus to refute the issues, however why should I invest the time becuase of their incompentence? Please let me know, I would love the oppurtunity to be apart of the reconciliation.

My truck was at 99, 000 making awful noise I took it in they told me it was fuel filter, I called back and told them that didnt fix it(Roberts Auto Plaza-Platte City, MO), they told me to drive it awhile it had to reset the computer and all this BS and so I went back a few weeks later and they said it was the fuel regulator but now it was out of warranty so they wouldnt fix it. I called GMAC and based on the fact they didnt fix it right the first time Ashunti called me numerous times and told me to take it in pay for it and send GMAC teh receipt they would reimburse me the money -100 it would have cost had it been done correct the first time... Do you know after all this which was costly...she had the nerve to call me after I did everything she said to do and paid for this that GM has decided no we are not going to reimburse you...GM owes me my money... it was under warranty on the original complaint the part that I paid for actually fixed the problem I took it in for at 99, 000 and she told me they woudl do it ...I dont have $500 extra ...She lied and called me constantly to make sure I was getting the repair done so they could get this taken care of for me...

I leases and 2017 envoy and the tires were stolen and my insurance company replace them and when I turned the car in I reminded the saleman that the cap to the wheels were in the trunk because I didn't want them to be stolen again. I later was billed for them and turned over to a collection agency and expalained this to gmac for the forth time. This is rediculious and this matter needs to be resolve immediately or I will contact my attorney for harrassment charges.

Thank You
Ms. Dennis

p.s.
I cann be reached at [protected] or [protected]

I signed a loan with GMAC. The contract stated that I will pay 60 monthly payments with a value of $623.86 each month. The payments started on December 1st, 2017 and lasts until November 1st, 2017. I called GMAC and asked them to send me a payoff statement. They told me I would receive one, although I did not. I wanted to pay off my loan early which was why I sent all the remaining payments that I owed GMAC on February 2017 and they did not completely credit my check. They previously charged me inaccurate charges which was the reason for me calling GMAC many times to understand the origin of these charges. However, nobody answered me or solved this problem. They also tell me every time that I will receive a letter. No one at GMAC gave me an answer.

I WRECTED MY CHEVY 2500 HD DIESEL IN OCT 07, MY INSURANCE PAID OUT $22000 AND SAID I WOULD GET IT IN ABOUT WEEK, GO TO THE DEALER, SAID THEY WOULD TAKE $20000 DOWN NOW
INSTEAD I ONLY HAD $1000 WITH ME, THE OTHER LATER-------WELL LATER WAS WAY LATER. I STRUGGLED THRU PAYING $1000 A MONTH FOR 8 MONTHS. AFTER THAT I GAVE UP AND RETURNED THE TRUCK 3 WEEKS EARLYER THAN THE PAYMENT WAS DUE. TOLD THEM SORRY THERE WAS NO MORE MONEY DUE TO THE ECONOMY. I LIVE ON A FIXED INCOME AND COULD NOT DO THAT FOR 3 YRS.
HE SHOULD NEVER OF HAVE LET HAVE THE TRUCK UNTIL THE INSURANCE CAME IN. SO I PAID ABOUT $8000 TO KEEP THE TRUCK FOR 7 MONTHS

I am asking you to look into the practice of your company for the sale and purchase of a home. I saw a home that was listed and for sale by GMAC in the Altamonte Springs, Seminole County area of Central Florida. The property address at 633 Iris Street, Altamonte springs, Florida; Parcel Number: [protected]-0260. The owner according to court records is GMAC Bank, 3476 Stateview Blvd, Ft. Mills, S.C. 29715.
The listing agent on record is Tina Allman, EXIT Real Estate Results, 365 Wekiva Springs Rd. Longwood, Fl. [protected]. MLS # [protected].
On November 18th, 2017, I received an email from the seller stating that "Congratulations- Your offer at 633 Iris Street has been accepted for the asking price. Attached was the contract addendum for signature and a cheque for $2017.00 issued to ALBERTELLI Law in escrow.
All the original forms were filled out and the cheque # 1242 given to Sylvester Harding, my Real Estate Broker, Sierra Realty Group, sylhardingjr@gmail.com, [protected]; on November 19, who made sure it was turn in to the Law Office the same day.
Now 11/30/2017, we receive an email stating that we did not get the sale because it was now turn down for a cash offer. That is really unfair and unethical. This was a Contract signed by myself and my wife for this property. We are working professionals.
We could not understand why it was taking so long with the return contract until we got the word from the seller Tina Allman from GMAC. This is not good practice, very poor and unethical and unprofessional. Is this the way they do business, I hope no one else get involved like this. Pathetic.
We had our plan for this home as ours. All our friend and family was getting the news for the new year holiday schedule after the closing.
Could you please look into it and get back to me. Thanks for the time.

GMAC froze the $100K line of credit in early 2017 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?

When we bought our Monte Carlo from GM we were given a price of 27500. Now that GMAC is going under, they told us that we were originally told we could buy out the car at the end of our lease for around 8000, but now we have to buy it out for 13500! The guy on the phone just kept saying, "That's not how we do Smart Buy anymore", when I said that so now you want us to pay 37000 not including interest for a 30000 vehicle, the guy just said sorry maam that's how the Smart Buy works now, but he can't find our contract to send us. Then he hung up on us! We will NEVER buy another GM vehicle again! These people tell you what you want to hear to buy the product and then change it later and say they will "reprimand" the person who told you wrong.

I have been trying to work with GMAC since Dec of 08. I called them in Dec when I had missed my first payment to give them information on why I was late and was having a hard time. I was told to call the refi dept. In Jan. the Hope for Homeowners people sent in a modification request that was denied by GMAC because they said I had too little income. Funny though that a month later (when I was 3 months behind on my mortgage) I qualified for a modification. I have asked for a Home affordable Modification (obama plan) and have received nothing from them but the run around. I cant get any answers on the phone other than more questions. They have charged me $1400. in "fees" that they say are associated with my modification, but I dont have one yet and they refuse to send me any paperwork telling me what those fees are. The payment they have me at now are only $200 less than my original $3100 a month payment. If this is my modification, what a joke. This IS NOT what the Home Affordable Mod is suppose to be AND the fact that our government is pouring MILLIONS into this company while they screw the americans doing business with them is what makes me the most angry. Where is the accountability? Is the government even asking them if they are helping people before handing over our TAXDOLLARS?

We have a mortgage with GMAC since 2017. Many instances have occurred where GMAC has either failed to process our extra principal correctly (putting it to the PIT instead of principal) or delaying or losing our extra principal payment. On top of that, there have been times when the statement/invoice for the upcoming month's payment either does not get to us, or gets to us around the 3rd week of the month before payment. I have called them innumerable times and they tend to put the blame/onus on the Postal System when delays have occurred. For instance, we sent an extra principal payment on the 2nd of November 2017; as of the 12th of November, they still haven't transacted my check. Also, the customer service section at GMAC said they sent their statment for December out on the 2nd of November (as of the 12th of Nov, we still have not received it). All other companies that we have transactions with (i.e., AT&T, Suntrust Mortgage, Dishnetwork) either receive our payments or get their invoices/statements within a range of 3-4 business days. Unfortunately, GMAC, time and again, seemingly fumble their statement processing and recording transactions. If I could, I would seek out someone in the constituency within this fair land of ours that would get GMAC to be held more responsible and to clean up their act. In another instance - 17 December 2017, we sent two checks to them without the statement (one of times they were quite late to send out a statement - one for the PIT and one for extra principal to the address given by the customer service rep. What happened was they processed the PIT payment but mislaid the extra principal check. It caused us to go our financial institution for a "stop payment" on the latter check. Almost miraculously (beign facetious here) GMAC "found?" the other check two days later.

Quick observations: GMAC either doesn't have the staffing they need in Waterloo to run such a large business, their is intentionality in what they do (don't want to provide us with the opportunity to pay off our mortgage), or the personnel at GMAC are not interested in helping the customer in regards to their mortgage (yes, I have read the complaints addressed by other customers about GMAC so I see I am not in this boat alone.

One name out there: GMAC CEO Steve Abreu at PO Box 462, Waterloo, IA [protected]. If he is the mastermind, address your concerns to him.

#[protected]

I have been advised my car has been paid off but your company states there was a late charge and has refused to send a statement to my home. It has also refused to take the late fee from the automated account which you drew from to take the payments these last FEW years. I have requested to spreak with a supervisor and held for several minutes only to have the call disconnected prior to one coming to the telephone. Do you want payment?

I need to get the Lien Release from this company

We did not make our payments for 2 months due to trying to catch up after my husband got laid off. Our truck was repossessed, after making several calls everywhere and making the payment via Western Union, we did finally get our truck back, it was repo'd on a Sunday night (2:45am) and by that Friday we had the Truck back. So I want to let people know that not all cars get auctioned off. When we were going thru this (August 2011) I read all these horror stories and it made me sick to my stomache and I thought the outcome would be the same. Maybe the class action lawsuit filed against GMAC in 2003 in California had something to do with it. Idk, but we are so happy we have our vehicle back! I actualy have to agree with "REPO MAN", it was our fault, we knew we owed the money, we should have borrowed from a relative or something to get caught up. This was a very hard lesson to learn.

I too, am in the same boat as alot of people on here. I purchased a 2007 suburban, brand new for $48, 000 financed thru GMAC. I purchased this SUV because I had owned a 2004 suburban and loved it. No sooner did I drive it off the lot I started having problems with it. My engine burns 2 qts of oil every 3000 miles and my transmission slips. I purchased an extended warranty when I bought the SUV for bumper to bumper 100, 000 miles. My car was in the shop 18 times in two years. After 2 transmissions my car stills jerks and slips when driving. I was told that was my fault because I must drive fast. I was given a bullentin, issued by GMAC, that my car burning 2 qts of oil per 3000 miles was normal wear and tear for my car. I have had the steering column replaced, two door handles have broke off in my hand, three batteries, electric seat modular replaced twice, front axle, rear axle, driver side window track, driveshaft, and more. But when I was laid off and wanted a hardship agreement, GMAC refused because I was trying to get my car lemonlawed. When I called them, to make a payment for what I was behind, they said I could make payment online. I tried, but my account was blocked. This was Christmas Eve, on a friday. That Monday I called and tried to make payment over the phone and they said I would have to send funds western union. So I planned on doing that the next morning. That night at 11:00 pm they repo my car. When I called the next morning, they said I know owed an additional $945.00 for repo fees and would not accept partial payment. When I got the funds together friday, I was told they had already sold my car. I later received a letter stating, 20 days after repo, they had sold my car. Not what the crazy lady told me on the phone. Now what? I was trying to pay them, in full.

In dec 2006 we bought a truck from gmac we paid without missing a payment for 31 months at 371.00 a month we filed a chapter 13 and paid on it for the past 13 months due to me getting hurt on the job I was just released from the dr. to go back to work we converted to a chapter 7 and called gmac to reafirm our loan they were very rude and told me I had to pay them 4950.00 right now because I was behind on my payments sense jan 2010 or they are reposseing my truck we only finianced 15, 000.00 on the truck we have already paid them 14, 200.00 I tried to explain all of this to them they were very rude and told me they didnt want the 371.00 it was behind 4950.00 or I could pay it off for 9, 500.00 with all late fees and interest I will be talking to a lawyer they use our tax dollars because they get in a bind no problem but f **k the little people

I bought a Chevrolet Cobalt some year ago. Recently after numerous complaints about it they FINALLY put it on a National re-call list. I couldn't believe it with all the Prius issues in the media, GMAC has kept their cars out of it, I don't know how!
The steering wheel seizes it up when your driving the vehicle not allowing you to turn left or right at 50 miles an hr! Let's talk about getting these things off the road. So, I called and brought it in to be serviced.
I AM NOT PAYING FOR A CAR THAT THEY KNOW IT LIABLE FOR DEATH AND DESTRUCTION. Days later after I tell them this (while still being serviced) they come and repo my car. Now they want to sell it. Good, I don't want DEATH ON MY HANDS NO MATTER WHAT THE PRICE MAY BE! THEY CAN SELL IT FOR ME, I'LL PAY THE DIFFERENCE AND NEVER BUY ONE AGAIN AND TELL EVERYONE ELSE THE SAME...

I have one thing to say to EVERYONE on here.

If you were seriously behind because of an lapse in memory on your part, than the bank would have worked with you and you would have been back in your vehicle within 48 hours, provided you have the money to pay them. For those of you who did not get back in your vehicle, it was probably contributed to the fact that you were unable to pay for the vehicle. You can sit here and squak all day long behind the computer, but the very fact of the matter is if you did not get your vehicle back its simply because you could no longer afford it(no matter what the circumstance is).

These banks "front" the money for you to buy your vehicle and you repay them. Think of it this way, if I was late repaying a loan to you - wouldn't you be upset? These banks no faster wish to take back your car, than keep you in it. However they have to protect their assets. And if that means repossession, than so be it. But you are afforded, by federal law, a right-to-cure period, before your vehicle is sold at auction.

The banks no quicker make money from selling at auction than they do if the consumer continues paying for it. Banks loose money in the repossession process each and every day. Because after you 40, 000 vehicle is sold for 25, 000, now they have to chase the consumer through collections to collect on the remaining balance of the loan. 8 out of 10 collection accounts are sold for a few thousand less than what its worth. And then there is the chance that it will be sold again. So see they actually loose money in the repossession process, however they do have to protect their assets.

Should anyone have any questions on the process, please feel free to contact me.

Timothy MacDonald
New England Asset Recovery
South Boston, Massachusetts
[protected].x.320

I too have had problems with GMAC. I got behind on my loan after going through a divorce, trying to find a better job and trying to start back to school. I asked them if they could work with me and redo my loan to make the payment a little less. They said that I hadn't had the loan long enough (over a year). I stopped making payments and retained a lawyer to file bankruptcy. Apparently they sent a repo man to get the car. I was not home but he left a message with my family that they would rip the garage door off, leave it in the driveway and take the car. This is after attemping to "take" my fiances car. When he went to the door, he asked the guy what he was doing and he said he was doing that to get someone to come out. He was just out of the shower and was trying to get some clothes on before ansering the door in the first place. He has now apparently come to my job last week. I had just left and I guess he was stalking me. He called my job seconds after I left and the person who answered the phone, thinking it was one of my customers, asked if he could get a number and I would call him from my cell. He asked if I just left in the white vehicle with the trailer. My co-worker said yes and the guy said, "I will have the sheriff stop her". Where do they draw the line at harassment? Anyone who does not understand how quickly your life can change and you not have the income to be able to afford live is a very lucky person. We all enter into agreements in life with the intentions of full filling our obligations but sometimes unforseen events prevent that from happening.

I absolutely agree, they have the worst service ever... I made a payment arragnment with GMAC, submitted my payment on the agreement date, that night my car was repo'd... I called them the very next morning to explain and got no where... So I told them to keep their vehicle. I received a bill for the deficiency charges in the amount of 10, 000 plus dollars two days ago... I got something for them, I'm filing chapter 7 bankruptcy... They did not want to work with me as the US government worked with them...

GMAC Collection Dept is a nightmare. They treat you like crap, don't listen, don't want to work with anyone...and you just have to stop taking their incoming calls. I put my phone on DND for do not disturb. I am in a situation where we have been talking with them and let them know our church committee is considering to help us catch up our 60 day past due, which just went into 90 day. My husband had been out of work for five months and everybody understands how these things get you behind. GMAC has this guy named SUMIE? Anyhow, he calls me everyday ) if I answer) and decides to say two days ago...but maam, you don't understand...even if your church helps you, we needed the money last week. HEY WAIT A MINUTE> DO YOU MEAN YOU DON"T WANT US TO GET THIS CAUGHT UP FOR THE 60 or the 90 DAY PAST DUE STATUS? AND THE REST OF THE PAYMENTS-- THAT HAVE BEEN MADE ON TIME --DON"T MATTER? AFTER the car is older now (2 1/2 years) has multiple miles on it, burn holes in seats and dents in it? WE! are the ones who need and want to keep the car. YOU don't "neeed it" and YOU don't "want us to keep it", it seems. I would call you guys
CUSTOMER DISSERVICE ROYALE! GROW UP< GET REAL! AND REALIZE BEING A COLLECTOR DOES NOT MAKE YOU GOD. I was a collector. You have to follow FDCPA laws to a T or you CAN and WILL get sued. When they start suing INDIVIDUAL COLLECTORS, this stuff will stop.
Good luck people. GMAC sucks.

I had the same problem with GMAC! They will not work with me! I spent 2 years paying on a $700 a month on a loan that only required $670 per month on a 06 Gmc truck. I was out of work for about 4 months and I called them to arrange something for payments. I said I can do $400 a month then when I get a job I pay everything in full! They agreed with that but a month later they started hounding me again an I told them of the agreement! They said no such agreement! I better pay in full now or they will repo! So I had no choice but volentarily give it up! Also about a year into the loan on day I received a letter saying they are repoing my truck. I called to ask them whats going on as I had not been late! they couldnt find anything in their system but I had a letter to prove it! Their customer service is the worst I have ever seen! Its pathetic!

After loyally spending the last 18 years buying/leasing Dodge products, I switched to GM for some reasons including: OnStar, gas mileage, quality, better antitheft. I bought a brand new Chevrolet Impala.

I made the switch a few months ago.

I have been waiting for my car payment, but it never came. A month after signing up, I received a nasty phone call from GM, with their personnel ordering me over the phone to pay while on the telephone.

They refused to give me my account number and made me pay a $23.71 late fee. This was the first billing contact -- in writing or by phone -- that I received from GMAC.

They insisted that I call another number to get my account number.

I am a police officer and have never missed a payment in my life.

The way they talked to me, I felt like I committed a crime.

I will tell everybody I know about this situation and will recommend that they never buy/lease a GM product again.

Took my 2007 tahoe into Stanley Chevrolet at 5697 W. State Rd. 67 McCordsville, IN 46055. Told the service man that I thought my power steering was going out. That the vehilce was making a grinding sound and that the sound became louder when I turned the wheel in either direction. There was no service engine lights on and the truck started and ran fine. Recieved a call and was told the problem was not the power steering but the alternator and the battery. This was causeng the power steering to sound like it did. I asked how was that, my truck runs fine, started well and no service lights was on. I was told mechanic checked power steering and it was fine. Charge for service would be 946.00 Later that evening I was told work was done and that he needed to inform me that the power steering was bad and had to be replace. But don't worry it was coverd under warrenty. Was told to pick up my truck by 6 pm. Was at car lot at 5:20 after I paid cashier. I was told where my truck was parked. I tried to start it with remote starter. Truck would not start. I key started it and it would not start right. Sounded as if it didn't want to start. Pulled the truck to the service doors. The two worker, Jeff Harris and Rhodey Resse, looked at me and would not open the service doors. One actually came to one of the doors and still did not open it. After setting in my truck for 3-4 minutes waiting for the doors to open the, the two men walked out of the service area leaving me in my truck at the door. I enter the doors and went to the cashier and told her what just had happen. Cashier was aware the men did this. She made serveral phone calls to get someone to come back. Mgr on duty came and stated he was sorry for what had happen and stated that the worker is being called back to work now. 10-15 minutes later one of the service men returned. I told him the service engine light was on and remind him that when he checked my truck in the night before there was no service lights on. I told and showed him that the truck would not start with the remote starter and that it didn't start up correctly with the key. He told me it was tested driven. I asked him how did someone miss the service engine light on or not see it was not starting correctly. He had no answer. The next day I was told the person that worked on the truck didn't connect something and was asure everything had been checked. I went to report the problem to the General Manager. I was told he was in a meeting so I spoke with Operational Mgr. Rex Phillips. I told Phillips what had happen the day before. I then showed Phillips my work order. It listed my complaint concerning the power steering as I reported it. The next section stated that I needed an alternator and battery charging me $946.00. After work was completed. Work order stated power steering is making noise and needed to be replaced. There was no charge for work, part was under warranty. I explained to Phillips that I was charged for a part before the truck was even checked for the issue I came in with, plus I was told the part I paid for would fix the problem. Phillips stated he would pass my concerns on to the Gerneral Manager. Few hours later I received a call from West Stanley, lot owner. He stated that he was sorry for the way I was treated and that none of that should had happen. When I questioned him concerning the service I paid for he would not comment. Only stated he looked at the parts removed from my truck and it was bad. I informed him my truck started fine never gave me any problems and no service lights was on. I also told him that I was told this is what I needed to do to correct the problem I came in with. This was not true. I told Stanley after I paid nearly $1000.00 I stilled needed the part I came in asking for, leaving me to believe I didn't need the parts I was told espically since it didn't correct the problem and my truck showed no signs of needing the parts. I told Stanley I could not understand why the service men could not had check the problem I reported first or why I was told the part I had to pay for would corrct my problem when in fact the warranty part corrected the problem. When my husband returned to Stanley's to pick up the parts they removed from the truck. My husband reminded Stanley that this was the second vehicle he bought from his lot and that we always serviced our autos at this location and could not believe we were being treated so badly and that it looked liked we was charge for work not need and for sure work that did not fix the problem that was reported when the truck was dropped off. Stanley then cursed my husband. He said "what the ### you want me to do, you sound like your wife. My husband nor I ever yelled or cursed at Stanley or his staff. I feel was rudely treated by Stanley and his staff. i also feel I was charged for work I did't need. I was for sure charged for work that did not relate to the problem I reported, even after I was told it would correct the problem. All of this is proven by the order work was done on the work order.

I first applied for a loan modification in July 2010, after multiple calls I finally received an answer that we were denied. However, this process took almost 5 months. I did not receive our denial letter until Dec 2010. With the delay on GMAC's part this slowed down any other loan modification or other assistance I could have been seeking. Also GMAC told me not to send any payments in, only the full amount past due would be acceptable and anything less would be returned to me.
We reapplied in Jan 2011 and was told we had the income to qualify but GMAC stated, " that they serviced my loan on behalf of an investor group and the investors has not given them authority to modify my loan. " After questioning GMAC they would not inform us who the investor group is. So I am left in the cold. It seems that the investors don't care if I lose my home, they make their money anyway. :(

Company will send a teaser deal to get you to switch your auto insurance, they send this to you if you have a loan through them. They sold and processed a payment for one rate, and insisted on paper work to ‘prove previous coverage’s’, which is completely unnecessary, along with a form which included language that changes your policy and causes the price to ‘readjust’. Filled out the form letter perfect, sent them copies of the documents.

They destroyed the documents at their home office and attempted to claim I did not send them, therefore they would change my policy (to the tune of $300 per six months). Repeated attempts to send them the documents through email and snail mail to get rid of the charge.

Do not trust them to actually follow through if I need to use the insurance. Am switching immediately. Do not work with this company, they are pure scam, and willing to commit outright fraud for a buck. If you are stuck with them in the short term, paper trail everything extensively.

I had a remaining payment on the lease vehicle which the new dealership paid off to GMAC.

GMAC posted this money to someone else's account which left my account in negligence.

I have tried several times to contact GMAC to get this matter resolved, but they respond with, "I must send another payment to replace the first payment sent out previously."

This is not fair. I have been robbed by GMAC.

We had one payment left on our lease. The rack n pinion went bad. We had Dossett Big 4 the dealer we purchased it from come get the car. It was not driveable. They checked the car and found the rack n pinion was bad. The cost to fix over 1500 dollars. I called GM to try to persuade them to pay for repairs they refused. I called GMAC to ask them to give me two months to make my payment since I was having to pay for the repairs. The rep put me on hold and called Dossett Big 4 to hold the car because we was about 30 days late. We have not seen the car no more. This car had several problems and these people care nothing about its customers.

I have had a mortgage with GMAC for 8 years. I have never missed or been late with my monthly payments. I am recently divorced and the house was signed over to me. I contacted GMAC 2 weeks ago to negotiate a lower interest rate. While talking to the GMAC representative I became aware of a lien on my property which caused my credit score to drop. The lien was due to unpaid taxes incurred by my ex-husband. I told the representative that I needed to rectify the lien before I could refinance. Although he knew I was distressed about the lien, he wanted me to proceed with the refinance. I told him that I needed to satisfy the lien before I could commit to refinancing. He again attempted to convince me to refinance saying that I had three months to clear up the lien. I explained that my priority was to satisfy the lien. I immediately paid my ex-husbands past taxes and the lien has now been satisfied and my credit score increased by over 100 points.

The same representative called me this past Monday. My guess is that he pulled another credit report on me. When I returned his call he said, "let me tell you what I can do for you". When I explained that I was going to wait a few months to refinance, he said "I have someone on the other line and will call you right back". He never returned my call because evidently his priority is not to help the customer but to push customers into refinancing even when they are not ready. Isn't this one of the reasons our country is now in an economic crisis?

Due to the insensitivity of the GMAC representative, I will refinance with another mortgage company in a few months.

DAILY PHONE CALLS LOOKING FOR MARCIAL HOLTEN. I HAVE HAD THIS NUMBER FOR 15 YEARS AND dO NOT KNOW ANY MARCIA HOLTON. I IASKED THEM NOT TO CALL BACK. NOW THE DAILY CALLS ARE RECORDED GIVING INSTRUCTIOTS TO CALL LOOKING FOR MARCIA HOLTEN The calls come from98431-[protected]- AND GAVE ME THE ID 638517 AND TOLD TO CALL [protected].
i CALLED THAT NUMBER AND WAS GIVEN RECORDED INSTRUCTIONS TO CALL [protected]. NOT A TOLL FREE NIMBER.
I DO NOT BELIEVE THAT GMAC IS DOING THESE CALLS BUT YOU SHOULD TRY TO STOP IT BECAUSE THEY ARE USING YOUR NAME
THANK YOU, JILL PHILLIPS

My 2005 Pontiac G6 has had NUMEROUS issues since I have purchased it in 2005. The issues ranged from control panel lights going out to the engine overstarting. I have had this car for going on two years now and I am just now getting the radio replaced after it finally ate its 15th CD. This, due to my persistance, will be free to fix.
The most disturbing issue is when I start my car in the morning, the car will either keep trying to start after I have started it or will over start and the engine light will come on and it will die. The first time it did this, the car was under warranty and they couldnt diagnose what was wrong. The car kept going into the shop as it was under warranty and still the mechanics could not see what was wrong. Finally fristrated beyond all belief, I called GMAC complained about the dealership and the service manager. GMAC got involved and sent their own technician. Apparently, when the car was serviced at a previous time, someone removed a valve and didnt replace it. That, is what I was told was the issue. They replaced the valve and ran it on the computer, but the car is STILL doing this. GMAC and the dealership will not help me anymore because the car is out of warranty. Now, they will help me at a minimum of $75 an hour.

I cant believe I paid over $20K for a "broken" car. I am at a complete loss as to getting this fixed and who to turn to for help.

My husband refinanced his 2000 Saturn SL2 in July of 2003. GMAC for some reason added an almost 500 dollar late fee to the total amount refinanced. I contacted Mr. Gonzalas at GMAC Costumer Relations office and told him about my problem. He called me back to tell me that although the contract states that it was signed on the appropriate date of July 24, 2003 the GMAC office did not receive it until August 24, 2003. I asked him how that could be if the contract stated July and he told me he could not answer that question and that I would basically have to deal with the late fee. I would like an answer of why I have to pay a late fee when my husband refinanced the vehicle on time? I would also like to file a complaint against Mr. Gonzalas, who is supposed to work with customers and explain the situation. He on the other hand would not let me finish sentences and kept interrupting me which makes me even more frustrated.

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?

I've called customer service 5 times in the past three months to inform GMAC that I already have flood insurance and they do not need to place a new order for me. They claimed not to receive proof of my flood insurance the first time and put the charge on my statement. Then, a submitted my insurance a second time and the agent said it was verified, and would take 3-5 days to show up on my account for the regular customer service. I called 3 days later when the insurance agent conferenced the customer service so we could all three talk. The customer service agent said all should be fine within a couple days. I specifically asked that this payment be taken off my account and not affect my credit, and they said they would even call me for confirmation. A quick note about the customer service representative is that she was very hard to understand, she had very poor communication skills. A month has passed, and a new statement has a late fee for this unneccessary flood insurance charge. The customer service agent today would not even tell me that the late charge was still on my account. By the time I got her to say those words, she read a pre-created statement that I'd have to talk to the insurance department, but that they're not open on the weekends. While I was verifying the late-fee with her, she would not respond, and started to act like our line was disconnecting. I could hear her VERY clearly, and it seems ironic that at this exact moment, the connection broke down. I told her "I know you're trying to end this conversation, and that you're faking that the connection is breaking." She eventually hung up. That was the worst customer service experience. Humility is a good skill for those in the service industry. Thanks for nothing.

please contact me asap i will tell you something to blow your socks off about your mortgae, and please do not refi with wells fargo they are just as bad as gmac if not worse rockinghorse2k@aol.com

I ALWAYS ASK IF THE PERSON I'M SPEAKING TO IS IN THE UNITED STATES- IF NOT I ASK TO BE TRANSFERED TO THE U.S.
I BELIEVE WE AS AMERICANS SHOULD KEEP OUR JOBS HERE IN THE U.S. WHEN SO MANY OF US ARE OUT OF WORK! WHY SHOULD WE BE TRANSFERED TO A FORIGN COUNTRY?, ESPECIALLY WHEN OUR OWN PEOPLE ARE IN FORCLOUSER--ANSWER THAT GMAC...;!

I agree with everyone GMAC is the worst company ever. They don't return call, they done answer your questions and they keep say "I sorry" but do nothing about it. Ever time you call you get a different answer, I have been lied to so many times I stopped counting. I have called at least 50 times since Dec 2011. They have put tickets in to resolve my problem and then another problems appears. I have been recently told that my payment was more because I owed money from 2010. They debited my account with out my authorization and now won't accept a check payment. I have spoken to a Supervisor but they are just as bad as the reps. This company needs to be put down. If ever you know of any other ways we can bring them down please let me know. I am on a mission, I want them to pay, they are the WORST COMPANY!

We have the same problem. I agree with everybody. GMAC is the worst bank to get mortgage account. Please complain to www.bbb.org
I will complain too. I don't know if it will help but I don't know what else to do with these guys. You can't talk to anybody who knows what he/she is doing. They are all uneducated about their job and they have no answers for customer b/c they don't know anything. And not only that they cannot process any paperwork right and they mess up our accounts and we have to deal with their mistakes. We get statements with a due date of 6 months past every month and we told them maybe 15 time already that the statement is not right. Also the address where we are supposed to send our payment is usually wrong on the statement so we have to call and ask them the right address to send the check and the correct due date and the correct amount. Every month! Are we going to have to call them every month for the next 30 years to make a payment or correct things?

GMAC Mortgage can NOT get their files in oder, everytime you call you get transferred to 3 or 4 departments. No one has a last name or an extension, so you can never get the same person twice. Calling them reminds me of the TV commercial "THIS IS PEGGY". GMAC does suck...

I have similar issue. I originally took a investor loan for 90% LTV and PMI. I was told when my LTV (per original price) is 80%, I can have it removed. At 78% it will be removed automatically. So i have paid it down to 80%, but GMAC is now saying i need to get it 65% to have it removed. The Home Owner Protection Act of 1998 mandates lenders to remove PMI after 80% per borrow request and automatically at 78%. So GMAC is clearly violating the rules/laws (federal) and I am frustrated dealing with there customer service, who are worse-of-worse, zero common sense.

Dylano403... spoken like a true GMAC rep... blame the customer... look in the mirror .. you are poorly trained by a lousy company...

I'm one of the representatives from GMAC mortgage, usually customers don't understand what the minimum payment is and still insists to pay for what amount they want, that is why problems occur since system would not post it correctly. Consequences for not within par payment would be returned payment or money will just sit on the acct. We always remind customers to do the minimum payment to be accepted while foreclosure properties would just be the total reinstatement amount. We assist customers at our best and we make sure that we really have supervisors to elevate the customer's issue. Problem with customers is that they continue talking and butting in not letting the representatives to talk, that is why problems cant be assisted well.Customers usually hung up as well.There are different payment methods to choose from, it"s ether payment over the phone with a rep or thru the VRU, moneygram, western union quick collect, gmac online, bank online, moneyorders, manager's check, etc. mailing the payments would usually take 7-10 business days for us to poost it to our system.Other borrowers are required to send in certified checks due to previous payment without funds available in the bank. If I may suggest, we should all cooperate to resolve issues. And about loan modification, it is not true that almost all requests are denied in fact we have statistics to prove approved modifications and you can check it out on our website.It is not the discretion of the company whenever borrowers forgot to pay for their mortgage because in fact, these are their responsibilities. If there are problems yous should contact us here's our # [protected]. Thanks! God bless you all!