GMAC Financial Services

by Martin Slater From Mount Airy, GA on September 15, 2008

by Anonymous From Lynnwood, WA on September 14, 2008

by Constance Merrick From Fort Washington, MD on September 13, 2008

I called to talk with the counselors at GMAC and in so many words they told me I could request a short sale which may not be approved or I could let my house go into foreclosure.

by Karl Baker, Jr. From Desert Hot Springs, CA on September 10, 2008

Impossible to talk to

by Just Nedly From Bridgeport, CT on September 08, 2008

No matter what they say they WILL NOT benefit you. In my case, asking for a forebearance for 4 months thru an eviction to allow GMAC direct access to TWO interested buyers - GMAC simply filed foreclosure. As for me, I went 7 rather than bury myself further. GMAC went so far as to suggest I short my child support or to erradicate my 401. Folks....no matter what they say, GMAC stands for "Get Money Any Chance". Don't trust them.

by April From Concord, CA on September 08, 2008

Trying to work out loss of 2nd income due to my ex fiancee having an affair and leaving me and the house and making me move out - house has been empty for 2 years - paid on mortage till March of this year yet they have not approved short sale as of yet - home has decreased 200K and havn't found any options to keep house.

by aleksey syulyukov From Vancouver, WA on September 06, 2008

by Kelia McCleary From Leroy, AL on September 04, 2008

by Anonymous From Cortlandt Manor, NY on September 02, 2008

by donna sistare From Summerville, SC on August 25, 2008

by Janise Rowe From Sapulpa, OK on August 24, 2008

by Najiyyah Omar-Muhammad From Marietta, GA on August 21, 2008

I have written several letters to them explaining my position but I continue to receive harassing phone calls. The past two months I have been unable to make either mortgage payment due to an increase in utilities and family visiting. I went to a meeting a while back schedule by GMAC Financial but they were unwilling to assist me because my adjustable mortgage couldn't discussed because it was too early, like April or May. I was making payments on time at that time too.

by Anonymous From Ooltewah, TN on August 21, 2008

Very poor customer service. Some practices are either purposely unethical or just incompetent depending on your generosity of outlook.

by Jeffrey Davison From Mooers Forks, NY on August 08, 2008

customer service in lidigation very rude and unwilling to work with us to keep our home

by fnu ashish From Charlotte, NC on August 07, 2008

by Anonymous From Lake Jackson, TX on August 02, 2008

by Ty Barrett From Murrieta, CA on August 02, 2008

Please read my last comments. This company is dishonest, deceitful, without morals and motivated by pure greed. They care nothing about the family unit and the aftermath of an honest, hardworking family forced onto the street even after following GMAC's agreement to reconcile a past due account. GMAC's word means nothing. They will do or say whatever possible to achieve their financial objectives.

by Anonymous From Lochbuie, CO on August 01, 2008

by Anonymous From Valdosta, GA on July 31, 2008

by Dean Barker From Gardnerville, NV on July 30, 2008

Not willing to work with me to keep me in my home. Everyone I talk to at GMAC just wants to secure a payment of some kind, will not allow me to talk to anyone in loss mitigation, short sale or even a supervisor. The greed they are displaying is disgusting as they were making great money off of me when I was at 6.25% and now I'm about to go to 11.25% and they only want more money.

by Anonymous From Joshua, TX on July 25, 2008

they don't want to work with you at all.

by ricarol stephens From Fontana, CA on July 24, 2008

by Patricia Sorgi From Ortonville, MI on July 24, 2008

We've been home owners for 21 years and to have financial trouble only the last few months and GMAC refused to work with us.

by Anonymous From Zanesville, OH on July 23, 2008

you people lie, cheat steal and decieve home owners.

by Anonymous From Cleveland, OH on July 20, 2008

Not willing to work with home owners for repayment.

by Christian Alva From Winnetka, CA on July 20, 2008

by Emmanuel Milec From Mount Morris, MI on July 16, 2008

by linda navarrete From Denver, CO on July 15, 2008

everytime you speak with someone from the bank.you get a different asnswer as to what to do. this leaves the homeowner confused and upset.

by Anonymous From Plainfield, NJ on July 14, 2008

by Michael A. Goode From Duxbury, MA on July 14, 2008

Second mortgage take out with Di-Tech. 15 year with balloon payment. GMAC/as owner of Di-tech changed it to a 30 year with no balloon. My fault. Per Diem interest starts at signing with no grace period.

by Anonymous From Oakdale, NY on July 12, 2008

No communication at all..They never answer the phone... I had a solid cash deal for a short sale for $5K less than the amount I owe and they did not even reply. When we did get through, they claim they didnt know about the short sale even after it was sent and conirmed it was received...

by Tania Cockerille From Sparks, NV on July 10, 2008

Reason being is that they were not willing to work with me when I went through a horrible divorce. I got behind in my mortgage and wanted to settle it but was not assisted.

by PETER WEBB From Haymarket, VA on July 10, 2008

JUST CAN'T THROUGH ON THE PHONE TO TALK TO THEM TO TRY AND RESOLVE THIS MATTER

by Anonymous From Peyton, CO on July 10, 2008

by Kim Willis From Fernandina Beach, FL on July 01, 2008

by Daniel Lewis From Middletown, MD on June 29, 2008

would have been nice if they would have reduced my 6.75 intrest rate when i tried 4 moths ago it sure would have helped saving me 200-300 dollars a month

by Anonymous From San Diego, CA on June 22, 2008

The worst company I have ever dealt with. They do not keep accurate records, they tried to foreclose on me, I paid off the mortgage now they don't release the deed. They filed it in the wrong county!! and even though my balance is ZERO, they are still charging for drive by inspections! 8 per month... Online statement is different from what they sent me. Two sets of books is what I say! They are the biggest nightmare I have ever had!

by James Farris From Georgetown, LA on June 20, 2008

by Anonymous From Aurora, IL on June 19, 2008

by Therese Rawson From Dillon, MT on June 18, 2008

by Kristina Garrett From Burns, TN on June 17, 2008

by Eletia Gowens From Fort Worth, TX on June 11, 2008

by Anonymous From Chicago, IL on June 08, 2008

by Greg Panek From Stockbridge, GA on June 06, 2008

by Anonymous From Greeley, CO on June 06, 2008

by Arthur Adriano From Fremont, CA on June 03, 2008

by Joseph Velasquez From Albuquerque, NM on June 02, 2008

by Anonymous From Bluefield, WV on June 01, 2008

by Ann Bratton From Buckeye, AZ on June 01, 2008

They have been fine thus far, but, they did not know anything about the deed-in-lieu program which I had to seek on my own. Although they know that I have been late each month and I call them, they just tell me to keep making my payments and pay a little of the late fee with the payment each month.

by Melissa Moore From Oxford, MI on May 30, 2008

mortgage was sold to e*trade but still get statements from GMAC, not will to work on any kind of repayment plan and very rude

by Anonymous From Dallas, TX on May 28, 2008

by Kirk Heath From Rossville, IN on May 27, 2008

by Anonymous From Bedford, IN on May 27, 2008

I've tried calling them to work out some type of payment. They would not work with me at all.

by Chad DeLauter From Flint, MI on May 23, 2008

I am not complaining about the mortgage company. I just need help with the details of the contracts that I signed in regards to potential safety and health issues with the home.

by Waqar Meyer From Las Vegas, NV on May 21, 2008

by Anonymous From Orlando, FL on May 16, 2008

by zachary johns From San Antonio, TX on May 16, 2008

by tyrone harvey From Kent, WA on May 15, 2008

by Elena Drasich From Leominster, MA on May 15, 2008

by Brian Snell From Holbrook, AZ on May 13, 2008

by Anonymous From Leesburg, FL on May 12, 2008

Very hard to contact help Keeps us on hold for long periods of time Would not help in deferring loans while away on active military duty

by Anonymous From Pawtucket, RI on May 06, 2008

GMAC was unwilling to work with me at all after losing my job. Very rude and told me to default.

by Anonymous From Pawtucket, RI on May 06, 2008

GMAC was unwilling to work with me at all after losing my job. Very rude and told me to default.

by Monica Wilson From Washougal, WA on May 05, 2008

by Monica Wilson From Washougal, WA on May 01, 2008

by Monica Wilson From Washougal, WA on May 01, 2008

by Anonymous From Chicago, IL on April 29, 2008

by Anonymous From Oceanside, CA on April 29, 2008

by keith west From Wetmore, MI on April 26, 2008

by lashaunda moore From Montgomery, AL on April 25, 2008

by Leland fielder From Roscoe, IL on April 22, 2008

by Nikki Gillette From Howell, MI on April 22, 2008

Not willing to work with me, I want to pay - they want to double the payment amount.

by Lisa Potter From Bend, OR on April 21, 2008

I have had absolutely no contact from them regarding this. They gave my renters all my financial information and told them to stop paying rent.

by Anonymous From Morristown, TN on April 20, 2008

Very rude, hateful customer service. Now they are telling me I am permitted to make one more payment over the computer & after this I have to phone my payment in (this is an extra charge). Am forcing me to pay late charges at this very moment even though I don't have the cash. Wife got very ill this past winter & our home ins. lapsed for 2 weeks only before she renewed it. GMAC automatically put insurance on it themselves WITHOUT consulting us at all. So now we owe them an extra $77.00 for the lousy 2 weeks of insurance. I am submitting this anonymously because due to the trouble I am having with GMAC at the moment I AM AFRAID of retailation. They can demand payment in full any time they want. If it wasn't for this I would be one among the very first to stand up against them.

by Anonymous From Valley Stream, NY on April 14, 2008

by Anonymous From Temecula, CA on April 14, 2008

by John Carpenter From Winder, GA on April 09, 2008

by Anonymous From Temecula, CA on April 08, 2008

by Carla Bonner From Bruner, MO on April 07, 2008

by Anonymous From Temecula, CA on April 05, 2008

NOT ABLE TO UNDERSTAND MY CURRENT SITUATION, I HAVE FAITHFULLY PAID ON TIME UNTIL NOW, AND NOW THEY ARE UNWILLING TO UNDERSTAND A VERY BAD PREDICIMENT

by Frank Samora From Colorado Springs, CO on April 04, 2008

Have always been treated unfairly, no help, no nothing.

by Anonymous From Willingboro, NJ on April 03, 2008

by Gloria Algarin From Groton, CT on April 02, 2008

by Anonymous From Sicklerville, NJ on March 30, 2008

by Anonymous From Sicklerville, NJ on March 30, 2008

by Anonymous From Owings Mills, MD on March 28, 2008

by Rosemary Pena From Grand Prairie, TX on March 27, 2008

by Jodi Scyphers From Lewiston, ID on March 22, 2008

After we had to file bankrupsy 7 years ago, our home was discharged in the case. GMAC never reported that in their reports. Our credit has never been able to b fixed, because of them! Now them will not work with us when we need it! God help us.

by Jamie Smith From Burleson, TX on March 19, 2008

Difficult to get concrete answers from.

by dina aguilar From Elk Grove, CA on March 18, 2008

by Debi From Tucson, AZ on March 17, 2008

No phone, email, or fax for thier PMI department. You can get to the automatic recording or what a joke "Customer Care" they know nothing. They even have a recording that they can't help you!

by Debi From Tucson, AZ on March 17, 2008

No phone, email, or fax for thier PMI department. You can get to the automatic recording or what a joke "Customer Care" they know nothing. They even have a recording that they can't help you!

by Anonymous From San Jose, CA on March 13, 2008

by Becky Maifield From Glendale, AZ on March 11, 2008

I sit on hold for hours and no one wants to help me. I am trying to be responsible in letting them know my situation but they won't give me any concrete answers. Up to this point I haven't been late but now I can't possibly keep the house given our current reality.

by Anonymous From Puyallup, WA on March 10, 2008

i was 30 then 60 days late due to no assistance from them. they said they could help with a payment restructure that has now cost us well over what we owed. now we are deeper than ever before.. it feels like we will never get out from under them.

by Anonymous From Concord, CA on March 09, 2008

by Mattie Bell From Birmingham, AL on March 09, 2008

Did not work out a plan with me a bout back payments.

by Jessica McMahon From Millville, NJ on March 08, 2008

GMAC is not working with me to help set a payment plan I have tried to contact them several times they give me the run a round and tell me they are working on my paperwork the longer I wait the more I can loose my home I need help they won't give it to me.

by Anonymous From Satellite Beach, FL on March 04, 2008

My payment has gone up every year even if there was not a change in insurance or taxes. They were extremely slow in catching up when the insurance did go up. My escrow has been negative every year since I've been with them. Not a secure feeling.

by Anonymous From Ocoee, FL on February 29, 2008

by Anonymous From Killeen, TX on February 23, 2008

by Amy Knudtson From Onalaska, WI on February 22, 2008

They don't work with you and are very nasty short tempered people.

by Anonymous From Montpelier, VT on February 21, 2008

by Charles Barr From Humble, TX on February 20, 2008

by Anonymous From Ahoskie, NC on February 19, 2008

I personally had no problem with my loan company. I foolishly took an ARM and it hasn't worked well. I became disillusioned with them when I made the first call to them after receiving a letter from them telling me that they were interested in helping me if I was one of those consumers who had an ARM and found the adjusting payments to be difficult. When I called and spoke with one of their reps, he took @ 5 min. with me on the phone reviewed my account, told me that my house was worth less than the current loan amount and he could do nothing. I said that it was that way because of the current loan, and I guessed that it was just my problem. He laughed and said have a good day.

by Linda Blackburn From Ahoskie, NC on February 19, 2008

I personally had no problem with my loan company. I foolishly took an ARM and it hasn't worked well. I became disillusioned with them when I made the first call to them after receiving a letter from them telling me that they were interested in helping me if I was one of those consumers who had an ARM and found the adjusting payments to be difficult. When I called and spoke with one of their reps, he took @ 5 min. with me on the phone reviewed my account, told me that my house was worth less than the current loan amount and he could do nothing. I said that it was that way because of the current loan, and I guessed that it was just my problem. He laughed and said have a good day.

by Anonymous From San Diego, CA on February 19, 2008

by Lawrence Ekart From Louisville, KY on February 18, 2008

by Altenise Patterson From Jacksonville, FL on February 18, 2008

by Carlos Fonseca From Epsom, NH on February 18, 2008

I have tried to work with them to avoid foreclosure, they set impossible amounts to catch up... not really willing to help us reasonably

by Anonymous From Beaumont, CA on February 16, 2008

Very dissatisfied with their service. They don't help you in anyway to avoid foreclosure with their terms they offer.

by jennifer orr From Bath, ME on February 12, 2008

My primary loan company is a State of Maine FHA company. They have gone out of there way to help me. The agent I deal with gives me lots of info that I need.

by Anonymous From Magnolia, TX on February 12, 2008

by Anonymous From Flint, MI on February 10, 2008

by David Fry From Unionville, TN on February 09, 2008

by Ronald Tatro From Lunenburg, VT on February 08, 2008

GMAC told us that we could send in payments twice a month to keep us up to date. But when we called they reneged on their deal because we had nothing in writing on it. We also sent in a payment and they sent it back to us. We never knew we were in foreclosure until we did a credit check on ourselves and found it listed on there.

by Michael Lane From Corte Madera, CA on February 06, 2008

by Laura Guercio From Effort, PA on February 06, 2008

by Natasha Brown From Stockbridge, GA on February 05, 2008

by NIKKI CHRISTIAN From Louisville, KY on February 04, 2008

WHEN WE WERE FALLING BEHIND THEY WOULD NOT TAKE ANY PAYMENTS FROM US UNLESS THE WHOLE ACCT WAS PAID IN FULL. WE MADE SEVERAL ATTEMPTS WITH NO SUCCESS.

by Tom and Nancy Drury From Waterbury, CT on February 04, 2008

by Anonymous From Baltic, CT on February 04, 2008

by Anonymous From Vancouver, WA on January 30, 2008

by Anonymous From Duluth, MN on January 30, 2008

by richard stephens From Middleport, PA on January 30, 2008

not willing at all to work with us when we had problems

by Anonymous From Menifee, CA on January 29, 2008

by Anonymous From Haymarket, VA on January 27, 2008

Not all the loan specialists are as knowledgeable. Misinformation is being provided which makes it very confusing for someone who is looking for help.

by Carol From Cottage Grove, MN on January 27, 2008

Horrible waiting time for a live person to answer phone, transferred to wrong departments, now that interest rates are being cut, my house payments are not lower! They stated there is a process I have to go thru to see if I qualify for my payments to get lowered. UMM, funny, when interest rates went up, my house payments went up automatically, but now I have to QUALIFY for a program to get the payments lowered? Something is very wrong with this company.

by kellie morrison From Wadsworth, OH on January 23, 2008

by Anonymous From Greenbelt, MD on January 21, 2008

by alonso rodriguez From Fort Worth, TX on January 16, 2008

by wayne lewis From Florence, MS on January 15, 2008

by cathy collins From Plano, TX on January 14, 2008

by THOMAS HEINRICHS From Tallahassee, FL on January 10, 2008

WONT REDO MORTGAGE RATE. SAID WE HAD TO REFI AND PUT 20% DOWN...WHY PUT 20% DOWN, $60k TO SAVE $500/MO. WE DONT HAVE $60K TO PUT INTO THE HOUSE.

by Anonymous From Memphis, TN on January 10, 2008

by theresa From Dittmer, MO on December 19, 2007

GMAC is the worst company I have ever dealt with. I sent in the paperwork they requested on 11/05, it is 12/19 and they keep telling me it is in review then hang up. I would not suggest anyone open a loan of any type with this company. They are awful, rude people.

by Tobie McQueen From Randallstown, MD on December 05, 2007

GMAC has worked with me on several occasion regarding my delinquent account. I had no problem with GMAC as I used a third party to mediate for me.

by Jessica A Kelly From Anchorage, AK on November 21, 2007

I have had a nightmare dealing with GMAC. The customer service agents in Dallas are the rudest people I have ever dealt with. I was hung up on when I asked if they could transfer me to the person i was dealing with!! Only one person had some respect and that was Rhonda. If I could redo one thing in life it would be to never had entered into a contract with them and I will never spend my money with them again! Just a warning! Think again before making a deal with GMAC, it could be ther worst choice you ever made..

by G.C. Waggoner Jr. From Moreno Valley, CA on October 17, 2007

Building Departments are experiencing unauthorized parties taking possession of vacant properties and even renting them out to unsuspecting parties. The lenders do not want to assist agencies that have the authorization to close these buildings until they (lenders) can act accordingly. In the meantime the calls for police and public service increases. What is wrong with this picture? Work with your area police and building & safety divisions. Who do you call when you need help, just think how you would feel if they choose to ignore your calls?

by Anonymous From Orange, CA on October 10, 2007

GMAC currently (as of their internal memo dated 5/2) are not doing any Option ARM Modifications period. Now here is the rub - I've talked to many in their organization regarding a modification on this particular loan. They never informed me that it couldn't be done. But sent me the paperwork to do it. In addition the rep from the Loss Mit Department spoke out of both sides of her mouth. First it was,hypothetically, "it could be the investor" and then 2 minutes later when I pressed the issue, it became the investor. This leads me to believe that these comments are outright lies or someones lack of understanding as to what their company is saying. Isn't it the right of a consumer or any individual to ask why? It is unfortunate that the company is not informing their staff so they can answer questions, resolve issues. Right now GMAC is a hold button and if you have an hour or more you may try to get an uninformed comment. Needless to say I sent the MOD package in 10/2 - no answer as of 10/10 (not even a call back saying we don't do on this type of loan) and they pulled up the paperwork and said without looking at the particulars the borrower is over-extended. Well yes - they are based upon the 30 year option payment... but they are strapped and need help with the interest only payment. If someone would just review information, be informed and try to help. The public is being requested to call, help is there. Well guess what... that 'help' hasn't trickled down from Washington yet and the big boys on top at GMAC must be saying yes to D.C. & say no to the client. What a waste...

by Richard From Poway, CA on October 02, 2007

I have been waiting 5 weeks for an answer for my Loan modification and Im starting to get worried with my 5000. dollar payment due soon because of my ARM. Any body have any contacts that I can get an answer?

by Anonymous From Simi Valley, CA on September 24, 2007

GMAC Financial Services give horrible customer service. They promise to do something for you, like fax documents somewhere but don't accomplish it. Horrible Customer Service.

by S.Knight From Holly Hill, SC on September 02, 2007

Received a foreclosure notice from GMAC Financial Services on 21June stating that no payments made in April & May- HAVE RECEIPTS!! Now, since they routinely don't accept payments when one is allegedly past due...where are the June, July, and Augusts payments?? Master in Equity hearing on 4 Sept. Details to follow...

by Anonymous From Ramona, CA on August 10, 2007

GMAC is a difficult company to work with. Had the money to bring the loan current and they were missing two pieces of info and wouldn't take payment in the mean time. After a month of calling, I was told rudely that they were very busy. Like I'm not. They are running a business and don't know how to deal with people very well, even if you try to comply.

by Monica Markley From South Bend, IN on August 03, 2007

I cannot blame the mortgage company for my financial problems. they have been fair and courteous, and willing to work with me -- with outside persistence -- although they had the option to refuse to work with me at all. I hope they still have it in their hearts to work with me!

by kelly From Brunswick, ME on July 27, 2007

I traded my car in and it was paid off gmac still took the monthly payment and i was overdraw when i called up they said there was nothing they could do basically suck it up! i have always been in good standing with them but not anymore in my opinion don't deal with them i know i wont!

by Anonymous From Port Chester, NY on July 25, 2007

by Anonymous From Herrin, IL on July 25, 2007

by Anonymous From Port Huron, MI on July 15, 2007

We fell behind once before and I had to play phone tag around Christmas. I was told if we needed to work out payments to call before the end of December and when I did I couldn't get through or when I did talk to someone they just kept telling me to call before the end of the month. January hit and I finally talked to someone and they were willing to make arrangements as soon as I sent them one payment, which I did not have. They don't care they have a home and a stable job.

by Anonymous From New Market, MD on July 12, 2007

GMAC is not willing to do anything help me with my situation. I even asked about the loan modification and was told they are only for individuals who are permanently disabled

by janet haynes From Shreveport, LA on July 10, 2007

GMAC Financial Services have been more than fair and patient with us

by Anonymous From Middlesboro, KY on May 29, 2007

GMAC Financial Services asked for the last dime we had to pay mortgage and forced us to pay triple to catch up, spoke rude and difficult to work with. They don't care if a person is ill and can't pay their mortgage.

by Anonymous From Fredericksburg, VA on May 12, 2007

GMAC Financial Services is not the best to deal with, but they are in 2nd position, so I guess this is to be expected. Try to comply with their wishes on how to proceed to sell home, but selling in this immediate market where I live calls for measures that are beyond what is on their protocol list. They don't get it!