Mem
USA#2Consumer Comment
Fri, April 20, 2012
If you have the documentation to prove you've been paying on time you should sue them. My mortgage got sold to GMAC as well. I've set up automated electronic payments that debit my checking account on the first of each month when the payment is due. I would suggest doing the same if you have not already done so. This way you have additional proof of on time payments. Keep in mind if the 1st falls on a weekend the payment will process on the first business day but will not be considered late nor will they assess late fees.
On a side note, they screwed up by applying some other person's mortgage payment to my account in addition to my own. It was eventually backed out and I hope reapplied to the proper account. One more reason to automate it with your checking account as I do not trust these idiots to do anything manually correctly.