GMAC Auto Loan Complaint - Don't get a 60 Day Extension with GMAC
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"
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!"
I spent about 30min 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 Ive 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 Ive always paid on time and kept my end of the agreement.
Now, with February here and Ive 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.