GMAC Complaint - HORRIBLE HORRIBLE HORRIBLE
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 went 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 months 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 reimbursment 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 holders information, not mine! Someone who had my first name, but that was it! I now have in my hands a womans 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.