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  • Report:  #258903

Complaint Review: GMAC MORTGAGE - WATERLOO Iowa

Reported By:
- warminster, Pennsylvania,
Submitted:
Updated:

GMAC MORTGAGE
PO BOX 7935 WATERLOO, 50704 Iowa, U.S.A.
Phone:
800-766-4622
Web:
N/A
Categories:
Tell us has your experience with this business or person been good? What's this?
DATE 07/05/07

I NEED HELP!

All of our problems started in January of 2007 when we contacted Gmac about checks that were mailed to them for the months of November 2006 & December 2006 not being cashed. When we talked with them they told us that the checks we just "lost" maybe by our mailman and that we should just cancel the checks with our bank and submit new checks. During my conversation with them they informed me that in March of 2006 a payment was never made to them, I stated to them that a payment was made and that our mortgage was sold during the month of March 2006 from Countrywide home loans to Gmac. I was told to fax all of cashed checks to the Gmac reserch dept. and they will slove this whole mess. Well that when the real mess began. On January 23 2007 I faxed them all of the information that they requested from the bank. I also mailed a check in the amount of $ 3,876.00 for the payments they "lost". On January 30th 2007 I contacted Gmac and asked to talk to someone in their research dept. the customer service rep told me that there is no I could talk this dept. but reassured me that my case was in the research dept and I should be getting a phone call or letter in the mail in about 10 days. I waited until Febuary 13th 2007 I called them again to make sure that the received my check in the amount of $ 3,876.00 which they received and cashed. I asked again at this time to be connected to someone in the Gmac research dept. I was told again that someone in that dept was working on our case and it could take a "couple of weeks".

In March of 2007 I recieved a notice of foreclosure on my home from Gmac. I made yet another phone call this time to their collection dept. and tryed to explain to them about this whole mess. I was told just to ingore the notice that the records show that there is a open claim in the research dept. When I explained that I wanted to just speak with someone in the research dept I was told again that there is not anybody I could speak with. But I would be contacted by them.

The following months I received nothing from Gmac reseach dept. about this claim but I was still getting foreclsure notices in the mail. At this point I contacted a Laywer. I have always had a high credit score that was being ruined by Gmac. I was paying Gmac every month and they were taking out all kinds of late fees and processing fees out of my monthly Mortgage payment. Leaving me with a credit on my statements that I could not figure out.

In May of 2007 I got some letters from realtors & lawyers about selling or saving my home. So I called one of them and they informed me that on May 21, 2007. Gmac had filed with the courts for foreclosure on my home and this was on public record with our local court house. I was shocked!

I contacted my lawyer about this and he made some phone calls to Gmac lawyers and was told that I can just pay Gmac $ 12,434.00 to slove this whole mess that they created! On May 24th I got my check for the month of May back in the mail rejected by Gmac. Gmac wants their money so bad that they did not even deposit my check. After speaking with my lawyer I then submited two checks to Gmac one for the month of May 2007 & one for the Month of June 2007. Well they cashed one check but returned one to me rejected. Go figure.

My lawyer then contacted Gmac again about this and demanded to speak with someone in the research dept about the claim that I had submitted to them 6 months ago. He was told the same story I was told over and over again that somebody was working on it and that we would be contacted by mail very shortly. Well finally on June 2nd 2007 we did receive a letter from the Gmac reserch dept. Asking us to once again submit all the same information that we submitted back in January 2007. Which we did. But at this point they have already filed the foreclosure with the courts We are on a never ending rollcoaster ride with this no good company! They don't want our money just our home! Our so called american dream has turned into out american nightmare!

We need to band together to get a civil suit so we can inform the public of Gmac dirty deeds!

MARYLOU

warminster, Pennsylvania

U.S.A.

Click here to read other Rip Off Reports on GMAC Financing


2 Updates & Rebuttals

Valerie

Warminster,
Pennsylvania,
U.S.A.
e-mail me if you would like my lawyers info

#2Author of original report

Fri, July 06, 2007

daniel, please contact me & I will give you the info on my lawyer. He is a realastate lawyer working currently on stopping the foreclosure on our home due to the gmac mistake. He has informed me that we need a corporate civil lawyer to fight this company. And that we need to find more people with the same types of mistakes. Fighting this one alone will be very costly and will take years. I need the help also. So please contact me and I will help in anyway I can. I want Gmac to be put to justice.


Daniel

Ft Lauderdale,
Florida,
U.S.A.
where are all these attorneys you say you have

#3Consumer Comment

Fri, July 06, 2007

every time i read a new report someone states i have contated an attorny? well give us their names at least, contact us we are on here, dan , virgina and joe we need to reach these people, the reason is that every report on here has a different reason for gmac screwing up, we need to be on common ground here this is why gmac has been able to get away with the wrong doings. i do know that some of these reports are on here posted by attornys looking for a class action suit to file just like the one with the disabled kids its funny that there is another suit in nc with the same story? i know i have copies of the court docs so come on people contact us. now heres some pointers as to common grounds 1 i know gmac switched servicing companies back in 2003 i have proof 2 it has now come to our attention that gmac has admitted they have had accounting problems going back to 2000 3 gmac never follows up on written request for info or to look into a problem 4 gmac will and has put forced place insurances on propertys even when there is insurance in place already 5 gmac will hold your payments and or put them to the wrong accounts you must check you account statements for this proof hire an accountant ok so if anyone has anymore to add to this please do

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