I have been aware for some time, of the nature of complaint you you are experiencing and I believe it's occurring to you,
"by design".
No really good company would allow any of their employees to constantly misrepresent their relationship with you, as you have described. However, of this type of mortgage complaint, I have had many years of experience: as a volunteer consumer advocate to a labor organization, of national stature. So, there seems to be money involved in the decision by GMAC, and by their not being willing to clear-up a simple slow pay, by the previous company: who, didn't do what they said they would do in a timely manner. Short answer = YOUR FAULT
Companies far and wide, in my opinion, like to set-up situations where something happens in payment or billing that puts your agreement with them at a great disadvantage. Of course, whenever these agreements are broken, FEES are involved and almost always impossible to reverse for any reason,
especially when it's, "by design"!
Computers, unfortunatly have allowed American businessmen to make their accounting departments do just about anything they want, i.e. ( ENRON ); This, putting consumers into creative boxes that will ultimately benefit their companies, at your expense.
Reason why = MORE MONEY for them, or at the least a quick short-term internal loan, to a particular accounting department who, "just don't want to do right, for you", and appears to me, to be an especially profitable shinannagan for the really BIG firms.
As my uncle O'loughlin used to say:
" IF THEY SAY IT'S NOT THE MONEY - - IT'S THE MONEY!"
So, "BE MORE CYNICAL", that's my motto.
Good luck against one of Americas biggest lenders and mortgage processors.