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Bogus end of lease charges
Posted by on
PHOENIX, ARIZONA -- We have leased from GMAC for 15 to 20 years and have enjoyed very much the fact that we could always drive a dependable car. Last year 2009, my husband's lease ran out and at that time, GMAC Smartlease was not a option as GM was going through its restructuring. He had the dealer run the figures on a new truck and found that it would be better for us financially to finance a pre-owned GMC Sonoma.

The dealer inspected our lease turn in and told my husband that the scratches that my husband pointed out to him, were surface scratches and could and would be buffed out not hurting the car at all. The car was clean and had very low miles on it. We take care of our leases as we would a car we were financing.

A few weeks after he turned in the lease, we received a letter stating that our obligation to the lease had been fulfilled and that the vehicle had been sold and the lease satisfied. A few days later, we receive a bill of sorts from GMAC Smartlease stating that the damages to the vehicle was $464.38 and it was due immediately. I sent 2 letters to address the bills disputing the charges. We got a letter threatening to turn us over to collections. My husband called GMAC and spoke with a very rude customer service representative She told my husband to either pay up a discounted amount that she quoted him of $350.00 or let it go to collections and we could deal with them.

We feel we are being penalized for not releasing or buying a new vehicle. This was the goal but was unattainable. Then our dispute was not only not investigated or addressed, but we feel we are being harassed. We were lease loyal Gm driving consumers. Not that it will matter but we are seriously thinking of taking our business elsewhere. By the way, my husband works for Allison, my father worked for GM and my brother in law works for GM. It is the little people like us who can make or break a company with our stories.
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Hugh_Jorgen on 2010-02-23:
I suspect we are going to start seeing more of these complaints. When people were able to roll out of one lease and right into another, the lessors would just overlook these end of lease charges. Now that they can't get you into another lease they see this as "one last chance" to grab a few dollars from you.

A friend has the lease on her Pontiac expiring soon and on my advise went to the dealer to have them perform a courtesy inspection. They gave her an info packet as to what was acceptable wear and tear and what was excessive. There was a circle cut into a post card that you hold up to dents, dings and scratches - if it would fit completely in the circle, it was OK - if it was larger, then expect to be charged for it. There was even a basic tire tread depth gauge to see if the tires were OK or if they were subject to being replaced. Hopefully this will prevent any unpleasant surprises when my friend turns in her car.
PepperElf on 2010-02-23:
this is why I believe in not leasing.
you end up paying for the car constantly
Critical_level2 on 2010-02-23:
I do not like leasing. The payments are cheaper, but after a few years, you have nothing at all to show for the money you spent.
redmx3racer on 2010-02-24:
So the scratches could be buffed out. Who do you think pays for the buffing? It's not like they just throw a coat of turtle wax on the car and call it good-buffing out scratches is a pretty time consuming process. Unless the dealer gave you a condition report stating you won't be charged anything they can charge you.
Incidentally, I used to work for a company that handled condition reports on lease turn ins for companies including GMAC. You'd be surprised at the condition on some of them, and what people would try to fight. Or what people thought was "normal wear and tear". Not saying the OP falls into this category, just making an observation.
Starlord on 2010-02-24:
I have always said that leasing was a great deal for the dealership, but sucked for the lessee. You pay the same for the car as if you had bought it, and you end up with a packet of lease payment receipts. The dealer then sells the car at almost the original MSRP, so the dealer has collected twice for the same car. You cannot personalize the car, you have to keep the mileage within certain limits. It is just a total rip-off. Thank you, but I will buy my cars. That way I own the vehicle, and am not just renting it and filling the dealer's pockets.
cr8054 on 2010-03-18:
The letter you received, was it a final account settlement letter? The reason I ask is I have received a final account settlement letter from GMAC and I am now worried that final may not be so final and I find a surprise bill for damages from GMAC in my mailbox. I turned back the car in good conditionand everything to my knowledge was in the wear square. So folks, should I be worried or am I just being paranoid?
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Chevrolet Z71
Posted by on
The speedometer cluster has slowly been failing and now nothing works. I have also replaced the air conditioner compressor and everything associated with it. Now my windshield wipers and cruise control are beginning to mess up. My previous Silverado had numerous problems also. I'm going to buy a different brand of vehicle in the future. Enough is enough.
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Skye on 2011-02-11:
What year is it? Is there any warranty left? Things wear out and parts need to be replaced down the road.
Anonymous on 2011-02-11:
There's nothing like Mississippi when the sun comes up at dawn.
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Vehicle Repossession
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BLOOMINGTON, MINNESOTA -- Bought 2006 Chevy truck for 72 months financing with zero interest in July 2006 Husband became disable and unemployed in May of 2009.He lost his mother and asked company for FMLA but they could not hold his job so they let him go. He started receiving unemployment in August 2009. At the time of purchase he brought an Insurance that covered disability and loss of employment. His account had already been sent to the GMAC loss recovery and meanwhile insurance had sent in payment for February through July 2009. that is 4 years or 48 months out of the 72 mos. he financed. Amounts paid into this account were about $26046.00 balance due in 24 mos. Then GMAC is now ALLY bank and this finance company has repossessed our truck. I have tried calling them, I have sent a certified letter and no response. I have been treated rudely and it has been a month and a week since they took our only transportation. They have been receiving payments from our insurance how do I get hold of someone I can't afford and attorney and that is their advantage HELP!!!!
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MDSasquatch on 2010-11-19:
it has probably already gone to auction, the next correspondence you receive will probably be a letter demanding payment for the pay off minus the amount they got for it at auction.
jktshff1 on 2010-11-19:
Contact your local bar association, they usually have a program for helping people in need.
redmx3racer on 2010-11-20:
Did I read this wrong or is the OP saying their insurance only paid up to July 09-over a year ago? I think any company will repo a car that has not been paid on for over a year. I'm guessing there are details missing here.
raven2010 on 2010-11-20:
The OP indicates they had insurance that covers this sort of thing, and that the insurance company was paying----

if this is accurate, the car should not have been repo'd, regardless of how many times the original loan was sold to a different company.
JDINC on 2011-01-12:
I have GMAC/Ally and have had issues with my leased truck were I got sick and was off work I called they told me about a lease extension they did the extension wrong had me showing and 60 days late and they will not listen or work with you at all I complained to the Better Business Bureau and they sent GMAC a letter and I got to talk to a specialist in executive customer solutions and they were wonderful to deal with they actually cared and fixed my credit so I would recommend complaining to the BBB
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Try to get a subordination from GMAC
Posted by on
Ever try and get a call back or a staright answer from customer service at GMAC Mortgage? By far, in an industry that has incompetence written all over it, GMAC Mortgage is King of the Crap. I have tried to get a reasonable time table as to when I can obtain a subordination to refinance my 1st mortgage and I am given a different day every time. My rate lock expires and it costs me significant money to extend it. I am now going to call David Applegate, President & CEO, whom I am sure I will not be able to make contact with since this company trains their customer service to block everything they possibly can. Pretty pathetic company. David Applegate is in Horsham, Pa and their number is (215) 682-1000.
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MRM on 2010-08-13:
Oh sweet niblets?!?!
saj80 on 2010-08-13:
What makes you assume GMAC will subordinate their lien position; do you have a confirmed agreement with them? Many banks in junior lien positions will not subordinate for two reasons: first, if you are refinancing your first for more money, then the secondary bank loses collateral position, and, second, by not subordinating, the junior bank now becomes senior if another bank is dumb enough to refinance without the subordination agreement. Getting a subordination agreement from a large organization is very difficult, and my bet is that GMAC will not provide one.
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Had it with GMAC
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LOUISVILLE, KENTUCKY -- I bought a Chevy malibu in 2007 I financed it with GMAC. since then my wife became blind in her left eye due to glaucoma, then she was laid off at Sam's Club. I make the car payment and the payment was due on the 30th of each month due to circumstances about my wife I am not able to pay on time but I am a bi-lateral amputee and receive my disability check in my bank on the second wed of each month, I send my car payment off then. I have told and told GMAC this, beginning the 5th or 6th of each month I start getting their calls anywhere from 2 to 4 per day up to 8:30 pm then the next day starting at 8:28 am. these are robo calls with no person and a list of options that are no options. after I don't pick up for a few days then I get calls from a different number (888-611-6904)same GMAC but from a foreign country and a person who can't speak good English. I am tired of this same routine every month. I will never buy another vehicle made by General motors(government motors) ever again. no wonder they went belly -up. I urge you to think hard before you do business with these people.
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MDSasquatch on 2010-07-08:
I am financed through GMAC and have had no problems whatsoever; I set up an auto-pay right after buying the car and all is well.
Venice09 on 2010-07-08:
Is it possible for you to get one month ahead so you're payment will always be on time?
Helpful on 2010-07-08:
I am truly sorry for your circumstances.

I think I would agree with Venice and try to get a month ahead, thereby making your payments even early.

You and your wife are in my prayers. Best of luck.
Anonymous on 2010-07-08:
Agreeing with everyone above me. GM is not dictating the situation, but instead YOUR circumstances are. The easiest solution is to try to get one month ahead, then your future payments will always be on-time. I understand that in your current situation, getting ahead one month may prove to be difficult. I hope the best for you and your wife in resolving the dilemma.
bitten once on 2010-07-08:
genius pure genius IF I had the money I would pay ahead duh! Huh!
Anonymous on 2010-07-08:
Your situation changed, not GM's. How is that their fault? It never ceases to amaze me when people start complaining about private matters that have affected their livelihood. That is not GM's fault. They have adhered to their end of the contract. My wife too is on disability, so I feel your pain in trying to reason with these large corporations, but at the end of the's still YOUR problem, not theirs. Get a payday loan against your disability check to cover the cost. Just don't fall victim or prey to the sleezy ones out there. There are many options out there, other than wishing ill will upon GMAC.
MRM on 2010-07-08:
You may also place the blame on Walmart for laying off your wife. Walmart could have find an alternative work for her.
Anonymous on 2010-07-08:
I can see why it would be difficult to get a month ahead even though that is a good idea.

Who are you telling that you can't make the payment on the 30th? From the way your review is written, it sounds like you're just talking to the reps when the late payment calls start happening.

Why not just call GMAC right now, ask to speak to someone in their finance dept that can make decisions and request that your due date be changed? I know this can be done and I doubt they will deny it if you explain the financial situation your in...they'd rather get the payment on time every month than have it be late every month.

Good luck!
Anonymous on 2010-07-08:
MRM> Good point, but I'm just curious because the OP never directly stated that his wife was laid off BECAUSE of the blindness. He just mentioned the two facts in the same sentence. I am with you in assuming that's what he meant, but just curious.
Anonymous on 2010-07-08:
justcause> beat me to that one. I was typing nearly word for word the same sentiment. I too had the same feeling that the OP was only talking to the normally impersonal and harassing collections agent, instead of the finance department.
momsey on 2010-07-08:
OP, no need to get snarky. The commenters were merely making suggestions to help out your situation. As others have said, your situation changed, it's not that GMAC has changed what they're asking of you. It's too bad that you're in the spot you're in, but the bottom line is, you agreed to a contract with GMAC and you have to hold up your end. If you don't, they are in their rights to call you and ask for their payment.

Also as the others pointed out, you need to speak to someone in the finance department and tell them your situation. They might be able to help.
Anonymous on 2010-07-08:
Thx Justice...I hope the OP tries this if they haven't already.
Anonymous on 2010-07-08:
Snarky? Okay, you're invited to Scrabble night at my house. LOL! Sorry, but I love to commend people on their literacy;)
momsey on 2010-07-08:
J4A, my hubby and I are Scrabble addicts!
Anonymous on 2010-07-08:
Well, bring him along too!
Venice09 on 2010-07-08:
Just cause, great advice. I assumed the OP already did that. You can't explain your situation to the people who call and expect them to change the agreement. But you're right, that might be what the OP is doing.

OP, depending on the size of the payment, it is not necessarily out of the question for you to safe up enough money to be a month ahead. The people here realize that you are having financial trouble but do not know the details. Sometimes extra money can be found in the strangest places if you look and think hard enough.

I hope you take the advice of just cause if you haven't done so already. I am confident that you can have the due date changed if you speak to the right people and do not alienate them with the wrong attitude. Remember, you want them to do something for you that they are not obligated to do. So a lot will depend on how you present yourself.

I really hope it works out for your and your wife.
bitten once on 2010-07-09:
First off my wife was blinded by Duke eye center,if she didn't get the lazer surgery she could go blind.then she and 14 others got laid off in an attempt to get rid of permanent employess.this was in all the sam's clubs they farmed out the demo complaint is they(GMAC)call 2 to 4 times per day no matter what with no person just robo calls.Then I call them and tell them when I am going to send the payment in and they lie say they will note it then here come the call's again OH! I have never been over 20 days late ever.OH! doctors&hospitals use the excuse now it was bacteria or an infection to avoid a lawsuit so nothing can be done for incompedence.
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Posted by on
BLOOMINGTON, MINNESOTA -- I, too recently surrendered a leased car for a new one. They are claiming that "wavy Metal" is the result of a previous repair. This car had NEVER had any type of body repair. I have called and written to them disputing this claim. Today someone called me to see when I was planning to pay this $200. I again told them I was disputing this claim. He then informed me that the covers to the visor mirrors were missing. When I looked at the inspection online, the only thing mentioned about the mirrors was that the lights were burned out. The covers to the mirrors were there when I left the car. The passenger side light NEVER worked and the driver side light was probably used 5 times. The letter that was sent to me right after the inspection DID NOT mention anything about missing mirror covers. I will not pay them anything. This is harassment. If it continues I will NEVER buy another GM car again.
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madconsumer on 2010-03-27:
I have leased several vehicles. when a vehicle is turned over, it is very important to do a visual walk around and wear check prior to signing off on the return. if not, you get what they are doing to you.
Starlord on 2010-03-27:
At last I have vindication. I have always said that leasing was the stupidest way of getting a car there is. This morning, Clark Howard had a caller who was considering leasing a car. Clark's response was that one should never lease a car. He said you lease a car for two or three years, and you are assuming almost all of the depreciation that car will ever experience. He recommends buying a used 2 or 3 year old car, like a lease turn-in. Let someone else pay for all the depreciation. The way I have seen, you pay the same as you would if you were buying the car, and you cannot drive over a certain amount of miles, you are forbidden to install anything that wasn't in the car at lease. You have all the problems and cost of buying a car, only to end up with nothing to show for it but a box of receipts. I like the pride of ownership. If I want to rent a car, I will rent one, if a specific one is needed.
Starlord on 2010-03-27:
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GMAC unreasonable and rude
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I lost my job and income and had to leave the country as I could not sustain here. I had paid 3 years of my loan each instalment on time without a single default. I called GM when I lost my job to tell them I want to payoff and if they would give me a discount if I payoff in advance and in one go since I had to leave the country. They did not budge initially. When I escalated the issue and they finally did agree, I went about trying to sell the car and pay off the difference. After a week, they changed their mind and told me I would get no discount unless I could provide documentation which I was not in a position to provide legally. I told them to just take away the car and it has to go against my credit history because of the poor business practices at GM. They owe tons of money to the Govt and Tax Payer and they want a waiver but they would not waive 2000 dollars from a helpless consumer in return for a full payment. The customer service representative was even worse and would not let me talk. It was the rudest person I have spoken within my life.
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skelly39 on 2009-06-30:
Sorry-I know times are tough, but what if your employer told you asked you if you would take a pay cut if they paid you up front for a couple of weeks? You'd say no, wouldn't you? You signed a contract. If you are unable to abide by the terms of the contract, you have to suffer the consequences like the rest of us. It may be heartless or whatever, but GM is a business, not a charity.
laklisa on 2009-06-30:
You should have also asked for agreement to pay it down early with the discount in writing as well.
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Over Charging
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BLOOMINTON, MICHIGAN -- I think I found out how GM is going to stay out of bankruptcy they are going to over charge the consumer FOR THE MOST PETTY STUFF, I traded in my truck and had the dealer do a walk around with me and we could not find any thing wrong he said this truck is mint, nothing needed to be repaired 2 weeks later GMAC is sending me a bill for $222.00 for a scratch in the clear cote 4 inches long that a $6.00 can of rubbing compound would have taken out.

How do I know what happen to the truck after I left it or did the inspector do the damage??
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Anonymous on 2009-05-08:
How can they charge you for something you traded in? Was this a lease? If so, you aren't responsible for any damage not noted when you turned it in. As you note, how could you know what happened to it after you turned it over? Fight them on this.
Anonymous on 2009-05-08:
Is this practice even legal? Once you sign over the pink slip or sign over the registration, the truck is theirs, scratches and all. I'd fight them as well! The only thing I could find on the internet to file a complaint was with the Michigan Secretary of State.,1607,7-127-1585_50410_50414---,00.html

It might be worth a try. Good luck.
ejack053824 on 2009-05-08:
I would have sent the bill back with a picture of my middle finger drawn on it.
madconsumer on 2009-05-09:
sue em.
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Home Equity Credit Line Customer Service
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MICHIGAN -- I have had numerous accounts with GMAC for at least 26 years. I might add that I had excellent credit with them until I received a nasty letter stating that my credit line has been suspended immediately. They received my payment (including $300.00 extra every month) 2 days past the due date.( no grace period).

I called them upon receiving the letter and was told that is the hard fast rule, NO MATTER WHAT. I called them to explain that my daughter had been involved in a very serious car accident and that I may have mailed it out later than usual. They admitted that I have been a excellent customer with good standing credit but that I agreed to the conditions of that agreement...

I think it stinks the way we are treated these days. Are there any suggestions out there?
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LSGR on 2009-01-29:
unbelieveable that a good customer is not appreciated.
Katram on 2009-02-15:
This may have nothing to do with your delayed payment. We had a mortgage with GMAC, and have had a HELOC with them for more than a decade. We always pay extra each month, always on time, drawing at most 2/3 of our available credit. We have 4 times the equity in our home than our credit line - yet I received a form latter last week canceling my line of credit, due to declining home values. I called, and learned I can pay $595 for an appraisal, and they'll reinstate the line if the current appraisal is higher than it was when I first got the loan. Don't we all wish that was realistic? We will never do business with GMAC again. I cannot believe they didn't pull credit reports, or check balances, or put a human in front of this punitive, ridiculous action. We were approved within an hour for a larger LOC - that's the credit risk we represented. I'll be sorry to lose GMAC's low rate, but will cheer dumping them right back.
LSGR on 2009-02-16:
Thanks for the reply Katram. I also received that letter last week about the homes not being worth the credit line.
I will never do business with them again either and I worked for GM 29 years, just retired in Dec.
I really feel they need a wake up call. There is absolutely no special treatment for long time customers with excellent credit. I really gave them hell on the phone two days in a row.
I told them it was no wonder General Motors has gone down the tubes.
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Electric Window Motors
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SUN CITY WEST, ARIZONA -- In the past three months I have had two electric window motors go out. The first one I had fixed at the cost of $540. This is a rip off. The second one I have not had fixed yet. It appears this is a defective part and quite common for breaking. In talking to people with the same type car (Buick) it seems that two out of three people have had the same problem. This part is defective and should be taken care of by GMAC, this his happened to both of our rear windows. which have been used very little.

I am sure if you look into this problem it is quite relevant.
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tnchuck100 on 2008-12-11:

In the past three months I have had two electric window motors go out. The first one I had fixed at the cost of $540. This is a rip off. The second one I have not had fixed yet. It appears this is a defective part and quite common for breaking. In talking to people with the same type car (Buick) it seems that two out of three people have had the same problem. This part is defective and should be taken care of by GM [not GMAC], this has happened to both of our rear windows. They have been used very little. I am sure if you look into this problem it is quite common.

GMAC is General Motors Acceptance Corporation - the financial division. They have nothing to do with manufacturing, repairs, recalls, or quality control.

You did not say how old your vehicle was so it's hard to tell if this should be anything more than a failure that just happened after some age.
Anonymous on 2008-12-11:
Some GM vehicles have had a run of bad electrical system components. The GMC Sierra p/u had a bad history of electrical parts in the mid-late 1990s. The OP should look up his vehicle year/model in Consumer Reports...they will detail known defects there. Also, check for recalls through a case the first motor was replaced at other than a GM shop.
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