Graduate Management Admission Council [GMAC]
Reviews and Complaints

Here is a letter I just emailed, sent and faxed to Our President Obama. It reflects the similar situations I have read all through this complaint page! Come On It Screams Class Action. We need to do something!

Mr. Obama, I am going to let you know a little about myself then my husband. Then I am going to tell you how all your loan modification programs are not being followed how the big banks are in RESPA violations and how they do not seem to follow your instructions. Leaving us homeless after fighting for the last 10 months to have our loan modified and our payments lowered, and finally how it was sold on May 18th leaving us essentially homeless. Shame on somebody but no one knows whose fault it is!
I am a 50 year old female this year who has worked hard labor all my life. From the Oilfields to Driving Semis to finally working in a Phosphate Mine where I was injured on the Job. 10 Years with no accidents, the accident of which I speak was deemed not my fault. I was fired as the outcome because my Doctor at the time would not release me. Nice Isn't it. I sustained severe nerve damage rendering me unable to lift, sit or stand for more than an hour at a time. I have to lay down on the couch after doing any activity, on my back for at least two hours. Which is where you will find me most of the time. Nice existence would you say? I use to be a very strong person until this accident. My job entailed carrying one bucket of ore in each hand up forty two stairs for twelve hours. Piece of cake until I was hurt on the job. Now I guess you could say I am as close as an invalid as you can come with out being in a wheel chair. I am being sued for twenty six thousand of medical bills as the Ins. I had was cancelled as was the workers comp when I was fired. Also Nice Isn't It!? Oh and let me not forget to tell you that I have a 16 year old boy who is excelling in his High School. He is an Honor student with a 4.0 GPA. His Senior year will be next year and he has already compleated almost a full year year of College credits. What do you suppose will happen to this young man and his future because of all these events leaving us homeless? Something I am sure you will never experience. We should never have had to either if your wonderful programs really worked. Where is the enforcement for such programs?
Now my husband Donald E. Long was a Vietnam Vet. He has two purple harts a silver star and was offered the medal of honor of which he refused because when he came back from fighting for our Country full of Shrapnel, missing one lung and having an eye which he will never see out of right again! Why, Let me tell you because he laid in a rice patty swamp for twelve days while his eye lay on the side of his cheek. He came home and was treated worse than most people treat their dogs! That did not detour him. He lifted his head up high and went to work. He has ran every piece of equipment you can name. He has driven any truck you can mention. He has logged, worked in the log mills. He has ran the log skidders. Wages then wore horrible but the cost of living was not ten times higher than wages. Thus he survived. Now because of his age no one will even look at hiring him. Pretty nice is it not!? Now we come to the house issue. We bought this house in July of 2004. From GMAC with a VA Ryder. We were doing fine. I was working making four thousand a month (before Taxes). My husband made thirty thousand a year for a while. He was increased in salary up to the point of fifty two thousand a year. Then comes my accident. Bang loss of a several thousand a month income. Next we were called by a VA Rep. who told us our loan was being sold over seas and the interest rate was going to go up to twenty three percent so we should refinance and since Donald was a Vet. we would get a fixed interest rate of four and a quarter. We would not have to pay anything. We thought boy we had better do this or we will be in trouble. Well when it was all said and done we did get the refinance but the interest rate was six percent and they had tacked on another ten thousand dollars. There goes our Equity!
Not only that but when I went to make our first payment I had received no payment papers. I had no idea where to send the payment. I called GMAC and asked if they might know who bought our loan so I could pay. Guess what I was told? We still have your loan you need to keep sending it to us! Amazing isn't it? We knew we were not going to be able to make the extremely high payments. I put in for a hardship loan modification. I was denied, Why, ? because I was not behind. Well we are really struggling now. Again I put in for the modification. Again I was denied. We were not far enough behind. I then went to a loan modification Co. who submitted my modification. Again Denied. This time was because the bank decided we made too much money. Went through another Modification Co. Again Denied. This time because the bank said if I could pay a loan mod. Co. I could pay the payments. Is the picture getting clear to you yet? Tried it on my own two more times now we don't make enough money. Went to three more loan Mod. Co's, was denied again. Then my husband was laid off due to Our wonderful state of Economy! The last mod. co. took my money and never gave it back as their contract said they would. Now We are out that money! Went through one more to save our beloved home and property. The bank had a sale date. It was for April 24th. The lawyers got it postponed until the 18th of may. The bank was working our modification finally and we thought maybe we were going to be able to keep our home. Guess what? They by your federal law was not supposed to sale our home while working on our modification, they did. Sale went through at ten o'clock on May 18th. Where is the honor due to people who have nearly died to fight for our country? There is none. Where is the honesty in the big corporations now days? There is none! Oh the bank gave us two options. One I could have someone buy the home and rent it back to us. Like that is going to happen, unless maybe you will feel gracious enough to accomadate us as such. How about it, would you buy our house back and rent it to us? Or option nimber two is I can give them twenty thousand to re-instate us back on the loan then we can try the modification course all over again. What a bunch of BS. Come on Mr. Obama you are our Comander and Chief. You are giving billions of dollars away to other contrys for homeless. Try taking care of your own countrys people for a change. Have you ever thought there are people here who need their homes as well?
I realize that people who make the measly wages as we were making are nothing. I realize that people who work hard all their lives mean nothing. I realize that people who have fought for our country, almost died and came home is nothing. I realize these people are all treated as if they are nothing. But I would like to tell you that all these nothings are the reason people as yourself are where you are! You who keep putting out all these great programs to help Vets. To help people who are unemployed. Who are in great debt. Let me tell you Mr. Obama none of these are real. None of these WORK! I suppose If I were a minority, which by the way, it would seem these days the Caucasian is truly the minority I could get help. So I ask you, when do people who mean nothing get to recieve some help so they can in their retirement age at least have a home to call their own and at least a meager existence?
I would truly love to here your answers on this because we are now homeless. We are honest law abiding people whom I believe should be shown a little respect along with several other people in our United States with the simalier situation!
Bonnie Erickson Long
Donald E. Long
blong@wyoming.com

GMAC Mortgage is the biggest bunch of ###s I have ever dealt with. I am short selling my home, with GMAC being my second mortgage. We are short selling or home, because we are having another child, and with our high interest rate first and second (it was our first house, and we are statistic of the predatory lending practices that has sunk the mortgage industry). Long story short, the first mortgage approves the short sell, and is willing to give GMAC $3500 in the short sell, and has set a closing date of 30 days. We then engage GMAC to get this done. Well, this is where the clowns come into the ring at the circus. We get absolutely no response from a Peter Knapp who is assigned to our case (COMPLETE INCOMPETENT FOOL). He says he is providing us tasks, however we confirm with him - 11 times - we are not receiving them in equator (system they use). No response for almost a month, I get desperate (as our closing date has come and gone, and our extended closing date is a week away), and I call CEO Tom Marano. Tom passes me along to Sharon Robinson, whom I am sure is just an assistant with no title, and get absolutely nowhere. I escalate to Tom again, no response. Our second closing date is tomorrow 10/8, and I have been notified by my title company, who also is incompetent, that there is no way we can close on Friday. My buyers, who have been patient, are now having to walk away because their CHAFA loan expires tomorrow. With the baby coming, we have no time to start this process all over again, so we will have to foreclose. Keep in mind, we have done everything right during this process. I have NEVER missed a mortgage payment, I started this process early enough that it should have gotten done. If it were not for Peter Knapp, Tom Marano, and Sharon Robinson, we would have completed this short sell. This company has absolutely no sense of urgency, and no care in the world for the customer. I would like to point out, Tom Marano, with the bailout money that GMAC received (to the tune of $17 Billion), received a bonus check last year for over $5 million. Nice to see they are using the money to help the industry get better, but no. Same old shenanigans, same old games, all hurting the consumer. I understand I made a mistake by signing those mortgages, and I am willing to pay for those mistakes, HOWEVER, I am not willing to pay as bad as I will be with a foreclosure. And of course, there is no recourse for incompetency in the mortgage industry. They can get away with what they did to me, and what they do to thousands of people a year, because they are govt owned, and the govt gives 2 cents about its people.

unfortunatly those programs only work if you have acertain amount of income and a low amount of debt. You need to look into filing BK. They dont sound like they are going to let you keep the house which may be a blessing cause why would you want to keep a place you can not afford?

WONT DO ANY GOOD TO FILE COMPLAINT ...WATCH GLEN BECK ...UAW IN BED WITH OBAMAMA..THEIR PARASITES & THE REASON "WE" CANT GET A INTELLIGANT ANSWER OUT OF GMAC IS THAT THE EN-GLORIOUS NAZI PARASITES ARE SMART ENOUGH TO STAY BEHIND THE FIRE WALL TO AVOID "RICO" IF N WHEN IT EVER ARISES...IT WOULD BE IMPOSSIABLE TO FOLLOW THE CHAIN OF DECEPTION BECAUSE NO ONE OF WEALTH AND AUTHORITY WILL EVER COMMUNICATE WITH W"E" THE PEOPLE WHOM ENABLE THEIR GREEDY REIN OF TERROR WHILE THE FED PAYS THEM TO DESTROY OUR LIVES AND IN THE NAME OF THE LAW ? ISNT IT IRONIC THAT THE LAWS ARE MADE BY THE PEOPLE WE HIRE TO REPRASENT US "WE"& NOT ONE LAWYER IN 11 YEARS HAS REMOTELY BEEN INTRESTED IN THE TIME CONSUMING TASK OF "LIBERTY AND JUSTICE FOR ALL" change it is ?its LIBERTY & JUSTICE 4 ALL THAT CAN PAY, TO PLAY...C MON PEOPLE ...SLAVERY WAS ABOLISHED YEARS AGO...YET WE THE PEOPLE ARE SLAVES FOR AT LEAST ONE OF THE SEVIN DEADLY SINS>>>GREED.>>>LOOK AROUND ALL LAWYERS ARE LIVING LARGE -REAPING THE FRUITS OF OUR BLOOD SWEAT & TEIRS...ASK UR SELF 1)HOW MANY LAWYERS WERE IN THE CLASS OF 2009, O8, 07, 06, 05..etc..WHAT IS THEIR GOAL & THEIR CARREAR LENGTH IN YRS AND WHAT SINGLE PROFFESSION MAKES UP THE MASS MAJORITY OF CONGRESS, SENATE, FINANCIAL INDUSTRY, OBAMAMANS, UNION HEADS -GENERALLY ALL OFR THE CARREAR GOV HEADS THEIR ADVISORS THEIR FREINDS etc...THE ONLY ACCOMPLISHMEANT OBAMAMAN ACHEIVED WHILI A SENATOR WAS TO NOMINATE THE HEAD PARASITE AT AMERIQUEST MORTG AFTER BEING FOUND GUILTY OF UNCONCIONABLE ACTS AGAINST "WE PEOPLES"WHICH MADE HIM A BILLIONAIRE>>ROLAND ARNEL NOMINATED TO REPRASENT "WE PEOPLES AS AMBASSADOR TO THE NETHERLANDS...BY BARAK OBAMAMAN JUST TWO WEEKS AFTER BEING FOUND GUILTY OF EVERYTHING GMAC AND MORE ARE DOING...FINED IN CLASS ACTION 300 MILLION WHICH AMOUNTS TO POCKET CHANGE TO THE BILLIONAIRE ARNEL...MR ARGENT/ AMC/AMERIQUEST/CITI/AMBASSADOR TO THE NETHERLANDS WHERE HE ONCE STATED HOW MUCH HE AND HIS WIFE ENJOY THE GOOD LIFE /LONG BIKE RIDES THRU THE INFINATE FEILDS OF TULIPS IN THE NETHERLANDS...THANKS TO OBAMAMAN the lawyer doin what lawyers do LIVE LARGE OFF OF "WE THE PEOPLES...blood...sweat...teirs...ISNT IT IRONIC THAT LAWYERS MADE THE MORTG CONTRACTS, THE LAWS THAT PROTECT THEM, EVEN THROUGH CATASTROFIC UN CONCIONABLE ACTS, THOUSANDS GET RICH PROTECTING CORPERATE GREED...OTHERS TELL LIES AS GOV, ELECTED LIFERS, LIVIN LARGE 4 THEIR ALL EVEN THE CLASS OF 2009 EARNING THEIR FREE RIDE BASED ON LAWS MADE BY LAWYERS FOR LAWYERS AND 4 THOSE OF US >THE ENABLERS...WELL EVEN THE CLASS OF 2009 WILL LIVE LARGE OFF WE PEOPLES MISSERY...BELEIVE IT ?LES ROWLAND ...ACOUNT #[protected] CMON PEOPLES ?STOP THE MADDNESS...TERM LIMITS...NO MO FREE RIDES TO WASHINGTON 4 LIFE...LESROWL2U@YAHOO.COM...DO SOMETHING PRODUCTIVE OR SHUT UP GREED NEEDS YOUR VOTE, UR CASH UR MISSERY UR FREE WILL & UR CHILDREN WILL SUFFER IMMENSLY FOR the SAKE OF GREED N NEED

GMAC told us to qualify for Loan Modification to be one month late which they did not approve in end. Was asking for interest rate reduction no additional money and loan is 1/3 of the value of the house in this market.
I did miss a payment first time in the 20 years I had a mortgage with possibility to lower my payment $400-$450 because of the low rates at the time. Had excellent credit until we followed GMAC our business partner for years. Now our credit score dropped 100 points and had to pay $400+ in late fees.
How many people did they charge late fees and how much money has GMAC received from people seeking help and their guidance?
I too am contacting all the agencies that I can and filing complaints.
Simply wrong...GMAC took a bail out...
Barbara (Florida)

I agree. GMAC started an illegal foreclosure process on my home. I am an owner of a forensic loan auditing company. I am interested in collaborating the federal and state violations that GMAC commits against it paying customers. If anyone is interested, I will have a FREE audit done for GMAC predatory lending victims. Please email me information@freshstartaudits.com.

My wife and I just filed six complaints against GMAC, Three with State reps in the State of Washington, BBB of Iowa, Attorney General of the state of Washington and the Attorney General of the US. GMAC is nothing more than Mortgage Nazi's. They told us to get help with the Housing Education Project then submit the information for our modification. They then modified our loan using old account information and then admitted not using the information we put together through HEP! (Lauren Costill is great!) Our Payment now is higher than before? What, thanks Nazi's now I can re-default.

curry chevrolet is the worst GM dealer! They are so rude with their brown teeth and fat saleswomen never go there!

OMG. Let me just tell ... I will NEVER do business with GMAC again!
Once I go over a DAY late on my payment, they are calling my cell phone and work phone at least 6 times a day, and hang up when I answer the phone. I thought I had a 10 day grace period?> I also own a BMW, and have a loan with a credit union, and I should of went through the credit union for the Hummer. GMAC is just awful. They don't care about the customer. And they stalk you once you are even a day late! I've been a customer for 4 years with them, I was late three times. And each time I've been late, they have harassed me for payment, and it made me extremely uncomfortable. I had to call them and yell at the girl to stop calling me 6 times a day, and as late as 9:00 PM.. and early as 8:30 AM on a Sunday morning, and I'm only 3 days late! They are awful and I am letting all of my clients and associates know to NEVER NEVER NEVER do business with GMAC.

Let me be upfront and honest with all of you. I had my loan modified with GMAC scam artists. My loan was reduced from 933.00 to 486.85 per month. Dec of 09 it was finalized. On April of 2010 i receive a phone from them telling me my payments were late and that my house payment was 910.00 a month. After hours, days, weeks, months of arguing, fighting finding out more lies they told me i contacted the FTC, Attorney Generals Office, the Governor, and a lawyer. There is nothing you can do because the modifcation loans are not governed by any state or federal guidelines. In lamens terms the investor who approves it can do or change anything they want to with your mortgage and there is nothing you can do about it but hope you have enough equity and sell.

GMAC Mortgage is a terrible company they are trying to scam my 85 year old blind mother out of her home I have tried on several occasisons to obtain one of their bogus loan modifications. Each time they tell me the packet has expired, in the first place this loan should have never been granted. Had they checked her income they(New World Mortgage Company) would've seen that she did not qualify for a loan. Oops, I forgot along with GMAC, Bank One, and Chase Bank were all out to scam an 85 year old woman and not to mention she was blind at the signing of the paperwork. The necessary paperwork was sent in to cancel the loan after New World Mortgage said they never received that paperwork my Mom was afraid that the bank would try to take her home. She told me to start paying the loan she was being charged $700.00 per month out of a $1, 100.oo income per month. A New World Mortgage employee signed my Mom's paperwork put it through, got the loan approved, and it has been a nightmare every since then. It has gone from Bank One as I said before to chase bank and now to GMAC Mortgage who has lied to my Mom, they have all been deceptive, and rude. Something needs to be done quickly about all of these mortgage companies who are treating people so poorly I can only hope, pray, and trust that God will repay them in his way for such vicious deeds

A Very Angry Daughter.

GMAC trustee services sold my house while they were doing modifications with me. They even sent me paper works a few days earlier! GMAC and their trustee services didn't even know the my home was sold! I was the person to inform them when I got notice in mail to vacate my home. I had a friend pull up the title to my home and indeed it was fraudulently sold! I called GMAC and trustee services and then and only then did they realize something went wrong! And to top it off, the person from the trustee's office that supposedly sold my home doesn't exist! GMAC's trustee services doesn't have him anywhere on their payroll and his title "Limited Signing Officer" doesn't exist either. GMAC and their trustee services keep telling me, they are going to fix it. Their legal departments are working on fixing the situation. Why do I not believe them! In the meantime I had to respond to the "Unlawful Retainer" letter from the crooks that bought my home. And when I told GMAC I needed to respond, they of course told me to wait! I only have 10 days! I'm not going to wait and see how else I can get screwed over! There's more to my story, but too much details. I have all my paper works, every note, name and person I spoke to. I spent over 16K trying to modify loan with GMAC to pay fees and this, that and others, and and I am completely broke. I thought I was in the clear and as long as I could stay in my home with my 4-legged kids, I was ok with it. I am going to fight back tooth and nails now! It's time for us to write to our representatives. Write to your senator, Attorney General and Trade Commission and contact news media. I live in CA and if you live in CA and have similar story, please email me. I want to send a fat envelope full of our complains and letters to Attorney General Jerry Brown, Trade Commission and Senator Boxer. icandies@hotmail.com

I can only say you are all a bunch of crooks!

I had a variable rate mortgage with GMAC. a couple of years ago they informed me they were soon to reset, I asked to have my interest rate reduced, they refused to discuss. I was soon contacted by a company called Hurricain Mortgage, they offered an 8.5% 30 year fixed rate and told me this a one time offer that I should take even though I was sure I could not show ability to repay. That was a perfect example of predatory lending as they were obviously in cahoots with GMAC You may ask why I believe this, that's easy Gmac bought the loan before it was a signed deal! The appraiser was no doubt in bed with them as she appraised the house for $250, 000.00, a nice round number taht allowed me to borrow $225, 000.00 which paid off most of my depts. However at 69 years old I had to go back to work in order to make the payments. I am now 71 and still working but now have heart problems and don't know how much longer I will be able to work. My payment is due on the first but they give a grace period of 14 days, therefore I never make the payment before the 14th. They now call each Month from India, the person calling is barely inteligable and I am pissed to no end. I think since GMAC took our tax money that will love what I propose. I think the house may appraise for $150, 000.00 by a real bank appraiser and I am willing to sell it for that as long as my debt is cleared.
As a foot note: They took our tax money to bail them out but the still out source there telephone business to India. " Great American Company SLOBS!

John Somers, his complicit wife and certain of their 'associations' will not hesitate to destroy a family''s life all in pursuit of pilfering as much of your money as possible. DISHONEST, UNETHICAL, IMMORAL - Cannot be trusted on ANY level. These people go to church and present themselves as good and holy.
They are NOT.
EVIL and GREEDY best describes them. They have proven their true character.
PLEASE do not entrust these people!

John Somers - Adventure Mortgage CANNOT be trusted. Please, please do not entrust John with any matter related to your finances or your money. He is a very dishonest, unscrupulous, immoral person regardless of his affiliation with church, 'perceived powerful' entities in the community, etc. He is extremely self-serving and will go to any lengths to make money in any way possible. John will not hesitate to destroy your life.

In 2006 I was defrauded by Homecomings Financial who was owned by GMAC. When Homecomings went under GMAC took over my loans. The Mortgage Broker, John Somers of Adventure Mortgage, along with David Karcher of Homecomings/GMAC stated terms to me which were then set-out in my Good Faith and Truth-in-Lending Statements. At the closing table certain facts were not clear. I, in front of witnessses, questioned the terms which were explained to me, in detail, by John Somers, David Karcher, the closing attorney-Stuart Garner who was on the phone with another Homecomings/GMAC rep who, as Stuart defined, was in complete agreement with what was being represented to me. Certain documentation was promised to me which I was told would outline the stated terms in more precise detail. I signed the Note under the guidance of John Somers, David Karcher and Stuart Garner - IN BIRMINGHAM, AL. Upon receiving my first Statement, in Feb. 2007, there were discrepancies which prompted me to phone Homecomings/GMAC with said discrepancies never being explained. I was and have since been treated with such ongoing abuse by GMAC it is incomprehensible. I AM A SINGLE WOMAN ATTEMPTING TO CARE FOR MYSELF AND MY 80 YEAR-OLD MOTHER. I HAVE WORKED EXTREMELY HARD ALL MY LIFE TO ACCOMPLISH THE PURCHASE OF MY HOME.

The promised documentation outlining the precise details never arrived. GMAC began to immediately threaten foreclosure, although I was in touch with Tony Renzi/CEO, attempting to act in GOOD FAITH. Tony Renzi and other executives with GMAC have tortured me since 2007. I was forced to file a lawsuit in April, 2007 in an effort to save my home and to protect me and my Mother. Mother and I have compounded health issues related to this horrific, torturous situation perpetrated upon me.

All of the persons named are criminals and MUST be punished. ALL PERSONS INVOLVED IN FRAUD, MISREPRESENTATION, ETC. WHO ARE CLEARLY SCAMMING GOOD PEOPLE AND, THEN, PUTTING US OUT OF OUR HOMES SHOULD BE IMPRISONED JUST LIKE BERNEY MADOFF. THEY ARE NO DIFFERENT IN THEIR GREED, BAD FAITH AND RELATED CRIMINAL ACTIONS.

I have contacted the U.S. Attorney, the FBI who have told me to contact the FTC, etc. We ALL know the FTC is in coersion with the Lenders as is our Government in general. PLEASE, PLEASE IF ANYONE CAN HELP MOTHER AND I CONTACT ME AT 205.706.1211.

I had a variable rate mortgage with GMAC. a couple of years ago they informed me they were soon to reset, I asked to have my interest rate reduced, they refused to discuss. I was soon contacted by a company called Hurricain Mortgage, they offered an 8.5% 30 year fixed rate and told me this a one time offer that I should take even though I was sure I could not show ability to repay. That was a perfect example of predatory lending as they were obviously in cahoots with GMAC You may ask why I believe this, that's easy Gmac bought the loan before it was a signed deal! The appraiser was no doubt in bed with them as she appraised the house for $250, 000.00, a nice round number taht allowed me to borrow $225, 000.00 which paid off most of my depts. However at 69 years old I had to go back to work in order to make the payments. I am now 71 and still working but now have heart problems and don't know how much longer I will be able to work. My payment is due on the first but they give a grace period of 14 days, therefore I never make the payment before the 14th. They now call each Month from India, the person calling is barely inteligable and I am pissed to no end. I think since GMAC took our tax money that will love what I propose. I think the house may appraise for $150, 000.00 by a real bank appraiser and I am willing to sell it for that as long as my debt is cleared.
As a foot note: They took our tax money to bail them out but the still out source there telephone business to India. " Great American Company SLOBS!
10 mins ago by Robert Rodney Vance 0 Votes

I can only say you are all a bunch of crooks!

I would echo your comments and add that #GMAC Mortgages discriminates against Veterans. Long story short, I was purchasing a short sale where they were the primary lender. The deal was agreed upon until the 2nd lienholder asked for their share of the money. I was utilizing closing allowances that #GMAC had granted, in addition to covering $5k that GMAC wanted the seller to provider. My lender also allowed me to increase the sales price to make all lienholders happy in order to close the deal. #GMAC then canceled the contract because they we not getting as much as they though; put the house back on the market, and then disallowed VA to be a funding source! Straight DISCRIMINATION against VETERANS. Considering us taxpayers were forced to bail these guys out a few years ago from filing bankruptcy, you think they would have better sense. DO NOT USE GM, GMAC OR ALLY BANK for anything! GREEDY!

Civil rights? Are you STILL hiding behind that? That excuse is getting old. I am a minority and I am tired of my people bringing that up. If you get fired, you get fired. White people get fired all the time and don't file lawsuits.. in fact, they don't even get hired because they're white. Equality is exactly that, EQUALITY. Pay your bills, if you can't pay your bills, go through the proper channels and locate resources. Civil rights... PLEASE. This isn't 1965. Get over it. Everyone struggles. Every color.

I tried to make a payment, and I am past due 70 days, but their website will not allow me to actually make the payment. How can they refuse my payments? They are demanding that I call them yet they won't take my money. I have been paying them a little every week until I can catch up. Everyone is right, the company is crooked

gmac companuy has not given my NOC certificate.finance was clear in 2004.please give me noc

We've been waiting for GMAC finance to send some documentation since November to modify/refinance loan terms. After case was filed they contacted us by phone: violation of BK laws. Went to court to reafirm Ch 7 in Dec. they didn't show up or send any acceptance or denial of claim. Get letter in mail demanding full past due payment within few days. Call number on letter get run around, extension doesn't exist. They claim calls were made and documents mailed to attorney, he claims he didn't get either one. Now dealing with not only them in trying to find out contact for their loss department. Also for risk of repossesion of another vehicle from money hungry local credit union. In default of reconfirmation terms but asked repeatedly of attorney to help negotiate other payment terms. These companies shouldn't have this much control over peoples livelihoods in this economy. Jobs are scarce, people are doing all they can to regain employment and employers can sit and discriminate against older workers or for other factors that have no bearing on ability to do job well. Debt collectors are scam and just want to get an emotional rise out of you because they know they have a virtual gun to your head and will jump as high as they order you to.

Just had my car repo'd by GMAC this morning. I had an agreement with GMAC for a 60 day extension. The NEVER sent the paperwork. I called them on a weekly basis for months (while still making my regular payment). This morning... DING DONG, REPO MAN! "Answer your door you F---ing deadbeat, otherwise we're gonna take your sh**, Nig***." Mind you, I'm not black, but absoutely despise that type of language. No one should ever have to deal with that. I call GMAC afterwards inquiring as to why the extension didn't go through. Not ONE of these people had a legit answer. All they would say was "We're just following procedure.". Well, guess what GMAC, you just screwed up. In the state of Iowa, you HAVE to give the debtor a 20 day right to cure the debt by certified mail. No notice was ever given, and they still just showed up, blocked me in my own driveway, the repo guy cracked the window on my back door by pounding on it, threatened me personally (told me that he would ram my car if I tried to leave my driveway, thus disabling the vehicle... Which I would have to pay for). THEN, he decided to take my things out of my trunk and throw them in the snow, ruining a poster collection from years of USAF service. Little do they know, that I don't care what kind of Gestapo tactics they use. I have them on voice recording with 4 representatives, refusing to do anything about it. We've already reported them to the Atty General of IA, and we're also sueing for damages. NEVER, EVER do ANY business with this company. All they are is scam artists that have no consideration for legal process or people in general.

i have a 2007 pontiac g6 gt financed through GMAC and they have the WORST service hands down. Everytime i have had to make an arrangement for a payment and they "add notes" and state that this has all been set up i get 4 or 5 phone calls a day from some rude customer service rep stating that i am past due by 900.00 and when i tell them that i have already made arrangements and its in the notes they can NEVER FIND THEM. I admit that i am behind but due to recent hour cuts i am making my payments to the best of my ability with the skin of my teeth. today i got a voicemail from a person that said that she was with loss prevention and i better call her back. she didnt ask she DEMANDED that i call her back like im a child. i called back and spoke to yet another rude customer service rep from the 800 number that asked if i can "borrow money from a family member" ARE THEY THAT DAMN DESPERATE? They have asked for a handout using MY tax dollars and i cant catch a break? I have found that if you call the 904 number for GMAC you will get decent human beings that will tell you the TRUTH that even if you get the threatening I intend on taking you vehicle by such and such date that it wont happen.
Anyone know if you can refinance a loan to get lower payments even if you are behind? i am having a difficult time paying 450 a month on a 1500 a month salary with my other bills?

GMAC Auto Financing is the worst company I have ever dealt with. They lied about their names, wouldn't give me their last name, transferred me to non-existent extensions and extensions for their tech department. They took out 2 payments without my consent which caused me overdraft fees galore. They said it would take 10 or more business days to reverse the charges. I am livid and I am ready to let them reposess my car. I will never, ever, buy another car from GM because of this.

I am going to file a complaint with the BBB in Michigan in regards to this treatment and unbelievable poor customer service. I hope that will make them take notice of how poorly that company is run. I will never allow anyone that is close to me to ever purchase a car through them ever again.

http://www.nytimes.com/2009/01/01/business/01gmac.html

For a company that is willing to take my tax dollars, they sure don't like to work with you. Here's a nasty little story, 3 years 8 months of payments on a four year note, almost done yay! Wrong! Fell in to a little slump ran two months late, I was ready to make a payment on 09/03 and had payment arrangments made for that date. On 09/02 at 10:30 pm who else shows at my door other than Mr. repo man to my suprise. I'm thinkin NO WAY I'll have the $ in an hour and a half via direct deposit. WTF right. I see my check post at Midnight, I make a decent buck, about 2k every two weeks, so I'm set right... Bzzzzz Wrong! So I call the houston office the next day, mind you after the incredibly embarrasing call to my boss as to why I wouldn't be at work for the next couple of days. I receive an automated message stating I need to let the vehicle process for 24 hours before I can get it back. FINE, I wait then. I call back the next day, talk to a gm rep. Now not only am I due the past two months I owed, I am also due late fees, FINE. I get it, I was late and I'll pay the fees, Oh now I need to pay the lot fee, towing fee, and good faith deposit on the car. WHAT?! Ok fine, I can only do half of this now, I also have to pay my mortgage this pay period, they'll have to wait two weeks to get the other half and I'll get my car back right, RIGHT?! NOPE wrong. The car was sent to auction that weekend. THANKS GMAC YOUR THE BEST!

Although GM and GMAC have received government help GMAC will do nothing to help me with my car payments although I have been out of work for 6 months. Their only suggestion..."go to a GM dealer and see if they will refinance". Oh sure, without a job they are going to refinance. I don't think so. I will NEVER buy another GM vehicle or finance through GMAC.

I also HATE GMAC! We just purchased a car from someone who finaned it through GMAC and now we have to wait 7-10 days for them to sign off on the title. They say it's policy. What crap! I now have a car that I have paid for and can't drive until they send me a letter signing off on the title. Dumb if you ask me.

I'm with you on that...they suck and don't care...they pulled 2 car payments from our account without permission...ready to give them back their damn car...to much drama

There's a right way and a wrong way to do things. Under no circumstances can you impersonate a law enforcement officer. If that is what happened here, GMAC can be sued for wrongful repossession and the repomen can lose their licenses, if not charged with a crime.

If people paid there bills they wouldn't need a bailout.

So...exactly how is it GMAC's fault that you didn't pay your bill?

We have been leaseing vehicles from GM for the past 15 years and this was the first time we turned in our lease without leasing again. The people at GMAC are very un-profession, when you have questions or comlaints, they never return your calls and they say they will help and work through anything but that to is a lie. I have never experience such headaches until this time. GMAC is charging us $373.00 for tire wear, and in the so called pictures they took you can see the person has bent the tire wear gage back making it look like the tires where worn which they were not plus stated other damage which is bull. We defcided not to deal with GM anymore we went to the Hydundai dealer and we are very very satisified with the service we got.

Hopefully people will read this before entering into a lease agreement with GM chevy products and go to somewhere else!

GMAC has had my funds from Hurricane Ike since Nov. 1. Several times I was told that check would be mailed in 3 to 5 business days. Im still waiting. I call and get different people every time and spend an hour trying to explain. I have jumped through hoops for 2 months and i'm ready to give up. The paper work is not correct, is the standard answer I get. They even called to tell me that they had recieved paperwork on the damage to my home that they need to send to my mortgage holder...they are my mortgage holder. I called the next day to inquire about a check and was told no paperwork was received. They have an excuse every time I call and if I ask for someone with authority...they have left for the day and I can only reach their email. Something needs to be done with these companies that are causing us more grief than is necessary. The insurance companies inspected the property with the contractor and they decided what needs to be done, and all paperwork was sent to the mortgage company. What more do they need? I would like to know if they are drawing interest from all these withheld funds and if so...where is my share?

GMAC doing the same to me. My house was damage during Hurrican Ike and GMAC holding my money. I have recorded statement from their associate confirming sending my check. But no check and they don't response any phone messages. GMAC is the worst mortgae company I heard so far. I will take my business to someone else. I will also report to every related authority about their service and cheating me with my money.

THESE PEOPLE ARE THIVE THEY CHARGE YOU FOR WHAT YOU DID NOT ASK FOR .THE DO NOT SEND YOU WHAT THEY TOOK YOUR MONEY FOR. I ORDRED THE FREE TRIAL OF ACAIPUR AT$0.00 AND ONE PACK OH HUDA GUM FO R$9.95 AND $4.00 SHIPPING . NOW I HAVE CHARGED TO MY CARD $44.90 ON 11/11/2008, TODAY IS 11/21/2008 I CALLED MY BANK HAD TO CANCEL ACCOUNT GET NEW CARDS .I WORK FOR THE STATE OF FLORIDA CANNOT AFFORD TO GIVE AWAY MONEY . I WILL BE ASKING THE GOVERNMENT DO TO HELP THIS SITUATION. I HAVE ENDED UP PAYING BOUNCED CK CHARGES FOR THESE THEIVES. THEY GIVE NO CONSIDERATION AS TO IF YOU CAN AFFORD THEIR PRODUCT OR NOT.THIS IS SUPPOSED TO BE A FREE COUNTRY
WHERE YOU CAN BUY WHAT YOU WAN TO, OR REJECT WHAT YOU DO NOT.

your right about gmac, had wind damage to roof in February of 2011 took them 6 week to respond, tore shingles off the roof, they said only needed a repair, yet 15 homes within a 1 block area of my house have had roof replaced, had repaired, cant match old roof, 14 years old and they don't make tri tabs any more, went 5 months of rain and now have water damage in side house and garage, they want me to open a new claim, instead of fixing the roof right way in march now i will have to deal with this for who knows how long, gmac wants their money on time but up your's when you need it back, i will pursue this as far as i can, GMAC is a shifty insurance company and i will never recommend them to any one, will try to have people i know with them change

You need to send your story and complaint to the State Insurance Commission, as well as, hire an attorney. I am currently dealing with GMAC on behalf of a friend whose life has been destroyed from an accident, and I have documented all correspondence one in particular is a criminal tactic. Currently just in the negotiation stage I am confident it will work out as I have plans to do exactly what I have suggested you to do, as they do not want the Insurance commission or an attorney involved. Take a stand and get noisy about it.