My heart is honestly just broken. Thanks to GMAC. In 2007 I was involved in an auto accident. It was the fault of the drunk driver. My husband and I thought in at least regards to the car we owned we would be alright. When we bought our car with GMAC we were told about the GAP insurance.
GAP insurance is a special insurance that if something bad happens like the car gets totaled it will be paid off in full. The drunk driver caused me to become 100% disabled I will never walk again and I am now in a Wheelchair. GMAC sounded great very supportive at the time and we thought they were on our side all the way. Gap insurance paid off our car so again we thought.
My husband worked two jobs for the past two years to buy a home that is all one level because our home is up stairs down stairs. We ran our credit and WOW BANK. We learned that it took Gap almost 6 yes six months to complete the payoff. We were never contacted EVER but on our credit it shows 6 late payments or 6 times late 30 days.
So we called GMAC again and again we got no-place. No remember our car was paid off the account closed and they still would not help even when we were able to show them all of the thank you for your business letters from them and the supportive letters they had sent. All I wanted was for them to change the listing on our credit to say paid as agreed. Being in this darn chair has been so very hard y'all. I became sad and for the most part withdrawn. I as a wife just honestly wanted to be able to sleep next to my husband in the same room.
We did finally get the loan for the ground floor house with disability access but we got it at a much higher interest rate and a higher payment all because of one single account. Word to the wise if you are ever late on a payment Joe Blow is better than GMAC. A national company and if you have the Gap insurance PLEASE PLEASE call your lender no matter what and ask them if you are in good standing. Do not wait or listen to them say everything is alright especially if you are hurt.
They are trying to I guess be helpful as in "don't worry get better" but the person who calls and tells you this might not be the person who is looking at your loan or making sure that your payments are being processed with GAP or by you yourself. ALSO PLEASE DO NOT DRINK AND DRIVE. The man who hit me was given 90 days in jail and he lost the privilege to drive his car for one year.
I got a lifetime in a Wheelchair with spinal cord damage. I will never walk again. I will never drive again. I will never be able to dance with my husband again or walk and rock my grandchildren when they are hurt or cry. So please for the love of GOD (DO NOT DRINK AND DRIVE).
I would like to start off by saying that my problems with GMAC in the first few months I financed with them. I received a loan for a Pontiac G6 with my first payment due on January 30th 2008. In June of 2008 is when the problems began. In the month of May I was in the hospital for appendicitis for a week and then out of work for an additional 2 weeks via doctor's orders. I asked for an extension on my June payment and was told all I had to do was fill out the paperwork, which was never sent.
I called two weeks later to check on it and was told there wasn't any record of an extension before. They granted me an extension and told me to pay half of my June payment on the due date (June 30th) and another half in July. I constantly received phone calls in the next month stating that I was a month behind and that they had no record of anyone setting up a payment plan for me. I eventually got tired of it and stopped answering my house phone.
The next couple of months money was tight due to the economy and my payments were always a few days to weeks late. GMAC's online center always blocked me from logging in and I had to call every month to have my account reset just so I could pay the note. Each time I called and explained the situation I was told something different every time. A. I was using the wrong email address B. The password was incorrect, or C. they couldn't give me an explanation at all.
I was unable to pay for December and January of this year due to my hours being cut back at work and problems with overcharging at my bank. I called them and told them of the situation and made a payment as soon as it was possible, on February 18th. For some reason my payments were not being deducted from my bank account. When I checked the records online I saw that GMAC had the wrong bank account information saved. I found that very strange since I only used a different bank account other than my current one one time for a November payment.
After that I deleted the information. I was told by many people that even though you delete the information many financial institutions will save it for their records. I found that a little strange since when I called and asked them they explained that they do not keep records of my information because it is strictly confidential. I asked the representative why then it was on my account and she told me I must have forgotten to change it. At this point I was two months behind on my car note. I wasn't allowed to set up payments online and had to call to set it up.
After I got everything sorted out with my bank information I arranged for a payment to come out on a certain date after my bank deposit went through. I called my bank to check on the deposit and was told I was negative over 600$, I called GMAC to ask what was going on and I discovered that GMAC had set up TWO payments to come out the day I called. I was very upset because it was not what I arranged, GMAC told me you can't set up payments on the phone, that once again they don't keep records of bank account information.
I thought that was odd, since before I had been told that if you're more than a month behind (which I was) that you can only set payments up over the phone. I spoke to a supervisor about the incident and he told me he would review my account and call back the next day. I wrote down his name and job description. The next day I had not yet heard from the supervisor and so I called him back.
Representatives told me this manager did not exist! I was at this point very very upset because I felt that GMAC was refusing to take the blame and give me my money back (in overdraft situations most of you already know that your bank has to have written documentation that the company will refund your money before they take of overdraft fees), after going in circles with GMAC for weeks I gave up and paid the overdraft fees myself.
Starting in March of this year I had been receiving phone calls from GMAC almost every hour of the day. I made another payment on the 25th. I knew I was still a month behind but I was giving them every penny I had saved. Near the end of April I was close to having enough for my last payment that would bring me current. I was still receiving many phone calls every day. I called them to tell them I was sending a payment as soon as I could to bring me current, but I was told that I had miscalculated my payments and was still 2 months behind even though I was positive I was about to be current.
I spoke to a Collections Representative and was told my last payment was for February, and that I was still two months behind and not one. I immediately made two payments more than the amount I typically owe each month. One on May 5th, and again when I had saved enough on the 19th. Since it was two payments, that should have brought me current and I would then owe for the month of May, on the 30th. Since I had paid two payments that month, I knew the May payment wouldn't be on time.
On June 18th my mother received a phone call from GMAC, upon answering the phone she was immediately asked for verification of her identity and her work number, my mother stated that she wasn't giving them her work number since they constantly called her at work and she wanted to know why they were calling her. The man she spoke asked if she was refusing to verify her identity in which case my mom replied “yes because I need to know why you've called my house 12 times today already.” The man became visibly impatient and told her I was 3 months behind on my car note and that it was unacceptable.
My mom told him that I was only one month behind and informed him that I am working two jobs just to pay a car note and am also expecting. The representative then insulted my mother and asked him why she was a slacker and not paying my bills, and why if I worked two jobs could I not pay a note. At that point I grabbed the phone and asked who I was speaking to. The man refused his name and instead told me he was a representative of GMAC, which I already was aware of. I explained to him that I was only one month behind and would be making a payment as soon as I could.
He rudely told me I was mistaken and was about to be three months behind. I then firmly told him that my bank records and my online records both confirmed that I was only one month behind. The representative began to laugh at me. I was very shocked and asked him why he was laughing at me. He stated that I obviously did not know to pay my bills correctly. At that point I was so angry at the nerve of him that I cussed him out and hung up the phone! I filed a formal complaint immediately. When I checked my records online they CONFIRMED THAT I WAS ONLY ONE MONTH BEHIND. Based on all my experience with GMAC I recommend that NO ONE ever buy a car from them.
DETROIT, MICHIGAN -- I leased a 2006 Hummer from GMAC. In May of 2009 my lease was up and I followed the procedures that GMAC gave me to turn in my vehicle. I had never had a late payment or missed a payment and if fact turned the vehicle in under my allotted miles. When I took the vehicle to the dealership to turn it in both myself and an employee of the dealership walked around the vehicle and did a visual inspection. The car had no exterior damage to it. I left the keys with the dealership and went home.
About a week later I get a letter from GMAC saying that they had done an inspection of my Hummer and that it had some dents in the hood and I owed the $273.90. I immediately notified GMAC and indicated that I was disputing any claim of damage to the vehicle. They referred me to their asset recovery team to look into this dispute. In the mean time I looked at the pictures of this so called damage that their inspector took and could not notice any damage. A short time later I was told that the Asset recovery program had made a determination that the money was still owed. What a Joke!
I immediately told them that I wanted to have an independent inspection done of the vehicle and have this dispute handled through the proper legal channels because I disagree with the findings. I was told that the vehicle was already sold at auction and that I could not inspect it. I was also then told that if I did not pay this amount then it would be turned over to collection and then credit bureau if I didn't pay what they said. Again I told them I did not agree that damage has occurred and wanted this to proceed through the proper legal channels.
Of course I have not heard from them since except for months of harassing phone calls from two separate collection agencies. They even called my work place! Mind you I have owned may GMAC products in my life, turned the car in with never a missed or late payment, and I have had perfect credit my whole life. Well it has now come to my attention that GMAC has reported this to the credit bureau as bad debt and I now have credit card companies that I have had for years with never a late payment and in fact with zero balances cancelling my credit. My credit has been ruined by this scam.
I have seen that many other have the same horror stories have and can not believe that GMAC after all its problems practices business like this, especially with such a good customer. No wonder they are in trouble. I will never buy another GMAC product nor will the rest of my very large family. I hope that $273 scam was worth it. Further after seeing many other people with very similar complaints about GMAC bogus end of lease charges I have decided to gather as many people as frustrated as I about the business practice of GMAC bogus lease charges and initiate a class action lawsuit against the company for fraudulent business practices.
I have already filed complaints with the state's attorney general office and the Better Business Bureau I encourage you to do the same. I am sure that there are thousands of individuals who have just paid these charges even knowing that they are not owed in fear of having what happened to me happen to them. I want to put a stop to this. If you are interested in joining my fight please email me at **.
This extravaganza began back in September 2009. I made my lease payment on GMACfs.com, like I do every month. Typically an email confirmation is sent a minute, or up to a few hours after making payment. On this day, I received an email 24 hours after payment that read: "Your payment did not go through, please make your payment now."
After reading the email, I had to make another payment. I made the same payment on the website, and received an email 2 days later that read: "Do not make payment to your account. Your payment has gone through, technological difficulties, yadda yadda..." Well, as of that moment both payments went through, and made my bank account negative, and I was hit with overdraft charges up the wazoo.
I called GMAC who's customer service is located in India and the Philippines. They said I can be reimbursed if I send them an account statement. They gave me their fax number, and the statement was sent. I waited a week, no phone calls, no letter, NOTHING. I called a second time, they gave me another fax number to send it to, a number that was completely different from the first. I again, faxed it, and waited a week. And NOTHING. I called a third time, now pissed, going off on the borderline English speaking so called customer service representative who informed me I WILL receive a phone call after my statement was received and looked over.
I decided to wait 2 weeks this time, thinking there was something they had to really search for in my statement. Maybe looking for Waldo? I dunno. No phone calls, no nothing. At this time my bank account was still negative, and I could not make the next month's payment. I had to save enough to bring my account back up to status and my payment was 30 days passed due, which now shows and affects my credit score. I had called again numerous times, and they kept saying "it is being reviewed".
At this time, I no longer even wanted my reimbursement back, I was just so livid about the whole situation, I had asked customer service to kindly take the discrepancy on my credit off, they AGREED they can do it, and will fax me an account detail that I could send to the creditor to take my passed due problem off. I received the information the next day, but to my surprise it was another GMAC account holder's information, not mine! Someone who had my first name, but that was it! I now have in my hands a woman's account #, address, telephone #, and few other personal credit details.
I called and complained, and they sent me my correct information, BUT, according to the customer service manager, they are unable to take a passed due problem on my credit. My lease is up in 2011...at that time, I will be getting a vehicle by another maker, and pray their customer service reps are in AMERICA. I do not recommend using their online site for making payments anymore. THANKS **!
SANTA CLARA, CALIFORNIA -- I have a rather ongoing long story since December of 2008 to share however I will make it brief. I, the owner of the HUMMER 2006 leased a vehicle from GMAC Auto Financing. A new buyer acquired my current lease for the Hummer since Dec. 2008. Every time I call GMAC Customer Serv. Auto Financing dept, they do not have any notes in their database to see who was the last person handling my case so they end up asking me the same questions and telling me different things.
2nd customer service representative told me that the hummer is sill legally registered under my name and that the paperwork didn't go through to state there is a new owner. 3rd customer representative stated that there doesn't seem to be any new owner listed for the Hummer then after I told her to look at your notes, she then stated there is a new owner listed and they don't have her address??? I gave her address to GMAC customer representative and she updated it so she can send the new owner a bill.
4th I called to find out status on my account to see if they have listed the NEW OWNER'S NAME in their database and a $300 bill the sent me. GMAC Customer Rep ** stated that there is NO NEW OWNER and I am still listed as the owner of the vehicle. That she sees no sign of vehicle being transferred to the NEW OWNER. I ask her to look in her notes and she apologize and said that my account was handled by ** who quit, however ** is the new person to handle my account! I demanded to speak to her Manager because it seems nothing is being taken care of.
** then stated that on December 10th, 2008, a decision letter was mailed out to ** (NEW OWNER) after ** then stated that on December 10th, 2008, a decision letter was mailed out to ** (NEW OWNER) after Valerie scroll down to review notes, which Valerie should do prior to speaking to customers!
I asked ** that I need to only speak to someone in management so she transfer me to her boss ** who stated she will call me back by end of business day today 2-19-2008 after she done some research, because someone drop the ball. The new owner and I both feel that GMAC is an utter MESS, DISORGANIZED, LACK OF CUSTOMER SERVICE, LACK OF PROFESSIONALISM AND THEY SHOW THAT THEY DO NOT CARE ABOUT HELPING THEIR CUSTOMERS.
It's because of us, the customers, they still have a job today in this economy. No matter what, they need to handle customer accounts with care. They need to do follow ups and make sure their I's and T's are complete. I never complained about any company. This is my first complaint and BBB needs to know about this. They NEED to train their customer reps about lease vehicle transfer! That is a subject that seems to be a big blur to all the GMAC customer reps. I am sure there are others that feel the same way.
I have had an auto loan with GMAC for the past couple years. In November I was approved for a 60 day extension and followed the terms exactly as it was outlined in the contract they sent to me. I paid $88 in November, $219.98 at the beginning of December, and my regular payment of $298.18 by December 20th. I resumed my regular payment of $298.18 in January and it was received and processed January 5th.
At the end of December I started getting phone calls, some more than 5-16 per day every day asking me when I planned to make a payment. I told the representative I had indeed made the payments and she even VERIFIED that she received them. Huh??? I asked her if they got November's and she said yes. I asked if they got December's payments...both of them, she again said yes. I asked "So why are you calling me so much about a payment that you received?"
She replied: “Ma'am we need an additional $298.18 from you!" She never gave me a coherent answer as to why this was the case. I never missed a payment with this company since I've owned my car and this type of thing has been an ongoing problem.
Well, I hung up on this lady and again and never heard from them until at the end of January I get harassed by a string of 17 phone calls on January 31st. I answered the first call and went round in circles with another representative who said they didn't get January's payment. I said "I sent the payment on the 3rd" (my payments are due by the 20th of each month). She said yes, ma'am, we received it on the 6th.
Again I ask, "So, why are you calling me?" I got the same response "We need another payment from you this month." I never got a coherent answer as to why this was the case since I made every payment on time every month. After going round in circles again she spouted something new: “We applied your January payment for December and we need your January Payment." What???
I asked why they applied the January payment to December when they got two payments for that month. I explained I was on a 60 day extension and read from the contract I received how the payments ran and together we verified what was paid and when. She said "We have no record of an extension for you!"
What??? I spent about 30 min on the phone with a clueless supervisor who asked me to read what the contract said and wants me to fax a copy of it to her, which I did twice already since December. She said “Oh, I never got it!" This is pure incompetence to the highest degree! What kind of business practice is this?
The other thing is that when I state why they call me so many times they DENY calling me more than once or twice! I called my cell phone provider and sent GMAC a copy of my call record and proved to them that I indeed on one particular day 38 phone calls December 29th. Of course the supervisor said it wasn't them that called but HELLO! It was the same GMAC number that calls on a constant basis and the person on the other end identified themselves as being from GMAC.
You know the reply I got? "I'm sorry about that Ma'am but it wasn't us, it was probably a prank call!" ARE YOU KIDDING??? This company took no responsibility for their actions even though with my mountain of evidence that I've sent to these people they still DENY DENY DENY that they screwed up. I am also disabled and don't appreciate this type of behavior when I've always paid on time and kept my end of the agreement.
Now, with February here and I've already sent my payment, they'll again not call until the last 5 days of the month which they call and badger me constantly until next month's payment is received...and so on. This is absolute harassment and I'm in the process of filing a formal complaint.
A lot of us may be in the position of facing repossession of our vehicles due to the stress of the economy, and no one is immune it seems. It happened to me last week. Sure, I have gotten numerous letters and many phone calls. I have even returned the calls and have brought my balance current too many times to count.
My account history has never been good with GMAC, but isn't that why they were charging me 12% interest on my 6 year loan? So why after 5 years and only a few payments left do they decide to take back my work van? My only guess is more money.
I do know business is business, and I was at their mercy knowing I couldn't run a business without a work vehicle. Was I wrong in thinking that because we American taxpayers just helped out the banking and auto industry that they would in turn give us more of a chance to recover too.
My question was answered when the tow truck driver who was repossessing my truck ran over my dog trying to get out of my driveway. It was my fault I was told by the collections department when I called the following day. My dog is ok by the way. I found her under the porch the next day, a bit shaken up with a few bumps and bruises.
I can't blame GMAC for running over my dog or even wanting what they think was their property back. I think they were very kind in waiting till the day after Christmas to order the repossession. They have gotten most of their money and are now what I am thinking trying to take advantage of the opportunity to get more.
I removed my personal property and tools from the impound lot and will continue to struggle like most working Americans to keep this country strong. My only focus now is to support my family through these hard times. What I want to know is your thoughts with the possible answer to my sarcastic title, and for others to know: even as some or most of us may be facing harder times. Some people will care about us. Some will help us and others just want in our pockets.
Separate these kinds of scavengers and vultures with the people that are good. Even vermin need to eat. Let them live in their world of greed and wealth while they suffer from their desire to only want what they have too much of to begin with.
The laugh is on them, don't you think? Why do you think they are hiding from us? Behind the gates of their homes, and all of the locked doors they sit behind. The unobtainable email addresses and the automated phone systems are their only protection.
The rights of honest, hard working Americans are being taken away, slowly but surely by politicians, banks and corporate America. Our voices are the only thing left. Don't avoid your creditors. Let them take your things if that's what they really want. Tell them what you think, if that's all you have left. Can anybody lend me a van?
ORLANDO, FLORIDA -- One Saturday morning in 2008 I took my 06 G6 for an oil change and 9 hours later I was exhausted and the new owner of 2 new cars. Long story short I asked for my keys back 3 times during the high impact sales pitch, but instead I was pressured into a purchase of an 07 G6 Convertible and my husband was trading for a 08 G8 (he traded his 07 Pont Grand Prix). My trade made our loans 12,000 upside down. I didn't need or want a new car.
Here's where I let the sales team and general manager run me down in to the ground. When it came time for the loans, I was approved but my then husband had no credit and I was pressured to sign on as primary for both loans. I knew it was a mistake and was not happy about the choice. I was mentally exhausted and told what a great deal I was getting over and over for 9 hours. Two new cars. All I saw was 70,000.00 of debt I was responsible for.
Didn't drive the cars on Sunday and couldn't sleep Saturday or Sunday night and Monday. When I got off work I took the cars back and was crying and telling them I wanted my trades back. (They told me the deal was done. I like a sad fool believed them). 4 months later I found out that you have 3 days to return a car. They lied and cheated me and now I'm still responsible for 2 car loans.
The reason a person with great credit and only 40,000 income can be approved for 70,000 car loan is this, they got my loan through GMAC and my second loan through BB&T. (I spoke to BB&T VP of finance months later during my divorce and they said they had no record of my other loan at the time of my loan application and they wouldn't have approved my application. I don't make enough money to own 2 new cars).
How about that? Someone must have hidden the fact that I had just purchased a Convertible. I welcome any advice on whether I should form a lawsuit against the dealer and GMAC (I really just want to give the cars back and put all of this last 6 months behind me). So before my oil change I had, a 06 G6 with a 0 APR responsible for 440.00 a month.
NOW: 07 G6 Conv 7.43 APR at 480.00 a month (and the top rattles) AND ALSO DON'T FORGET THE 2nd CAR I own but have never driven. 08 G8 6.4 APR at 620.00 a month (my husband hid the car during the divorce and lied. That is a whole new complaint with the Bill Heard Chevy Dealer also in Orlando). Husband traded the car for a new truck so I could be moved off the title.
Well I was given a retail purchase agreement and turned that in to the attorney, the divorce was amended and a month after the divorce I found out that the dealer took the truck back due to my husband's credit. Well he lied and is still driving the G8. I'm now divorced from him but still responsible for the loan and he couldn't care less and missed the December payment, even though he is still using the car.
Oh! Did I mention that both of the men I dealt with at Carl Black are no longer employed at this location? I know everyone has problems much worse than owning 2 cars, but I'm so consumed by being told I couldn't turn the cars back in the next day. It's hard to function.
If I could go back in time I would still have my 06 G6 and wouldn't have to be reminded that my cheating lying husband is driving around on my credit. And he would still have his car. I wouldn't have lost 2,500 retaining a lawyer to solve nothing because my husband and Bill Heard lied. I hate lairs. Husband, Carl Black and Bill Heard all lied to benefit their interest and I once I'm out of these loans I will never purchase a GMAC product again. This was my 4th GMAC car and being 40 I still have many more car purchases to look forward to in my life. I guess my next car will be.
NEWPORT NEWS, VIRGINIA -- I moved to an apartment that required a higher renter's insurance amount. They did not offer that coverage or offer any alternative. Since it was a packaged deal with auto and renters insurance they refused to let me out a contract that they self renewed. It's not like I sent in a notice saying I renew my insurance. Never filed a claim, it was nearly impossible to get them on the phone and when I did the person I got was from a recent merger and had no idea what she was suppose to be doing.
Now I get a collection's call saying that they charged me a 80.00+ dollar fee for cancelling my policy. How dare they charge me when they don't even offer what I needed? It should be against the law. I wouldn't take their insurance if it was free, as another reviewer stated. So desperate for money they will take it whether it's a legitimate reason or not. Sad way to do business. I hope they go bankrupt financially, to match their bankrupt moral standing.
WINSTON-SALEM, NORTH CAROLINA -- I was very recently in an accident that destroyed my dependable car. I was not seriously injured, but did have to go to the hospital by ambulance. Immediately after the accident I was contacted by GMAC and told I would have the use of a rental car for 30 days to insure I would be able to get to and from my job.
I had no close family that could help and had recently moved to far to walk. After arriving at an agreement on the price of the car, which was too low, but agreed anyway, the rental car was then removed before I received the payment to purchase another car which left me without transportation and lost my job.
Immediately after that there was another part of the claim agreed upon regarding the hospital bills, another bill arrived and I asked what to do with it and asked them about compensation for the loss of the job which was a result of the accident and dealing with them. I was sent an email telling me that they were sending me a release form and I had to have it signed and notarized and they had to receive it first and then they would pay the ambulance bill.
I did not sign the release form, I did send them the bill, and didn't know if they were going to pay it, they didn't respond to that until I sent them a copy of the letter of complaint made ready to send to the Insurance Commission, and letters of complaint have been sent out now to appropriate offices of authority.
Their latest response referred to all their good faith in resolving the claim, A LOT of good faith happened in removing the rental car in 10 days instead of 30 days and before receiving payment for the lost vehicle to purchase another one, and their good faith in trying to obtain a release form by holding the ambulance bill over my head and their good faith in causing the loss of my job all in a good days work.