• Report: #444402

Complaint Review: GMAC Mortgage

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  • Submitted: Fri, April 17, 2009
  • Updated: Sun, April 19, 2009

  • Reported By:Preston Minnesota
GMAC Mortgage
3451 Hammond Avenue Waterloo, Iowa U.S.A.

GMAC Mortgage - General Motors Acceptance Corporation Fishing Expedition to shorten time after Sheriff's sale that they need to wait for me to move Waterloo Iowa

*Consumer Comment: Did I miss something..

*Consumer Comment: Seriously, why do you pretend to know what the adults ralk about or do deadbeat? Why must you always lie?

*Consumer Comment: Gmac admitted taken advantage of people

*Consumer Suggestion: I ALSO WAS A VICTIM OF THESE GMAC PRACTICES

*Consumer Suggestion: Dear Sir/Hooray for you!!!!!!! Go to Dateline NBC Story Editor's desk ASAP to tell them

*Consumer Suggestion: Dear Sir/Hooray for you!!!!!!! Go to Dateline NBC Story Editor's desk ASAP to tell them

*Consumer Suggestion: Dear Sir/Hooray for you!!!!!!! Go to Dateline NBC Story Editor's desk ASAP to tell them

*Consumer Suggestion: Dear Sir/Hooray for you!!!!!!! Go to Dateline NBC Story Editor's desk ASAP to tell them

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On 04/01/09, just before a Sheriff's sale was scheduled for my primary residence, I received the following letter from GMAC:

Dear James
As we have been informed the above-referenced property is vacant, we will be sending a representative to the property within seven days to rekey and winterize, if applicable.

We are taking this action for the protection of our security under the terms of the Mortgage/Deed of Trust.

If you are maintaining the property, please contact teh Collections Department at 888-714-4622 and we will attempt to cancel the work order.

Collections Department-Loan Servicing

Since I LIVE HERE, I called to "cancel the work order," which the representative did right away and seemed eager to dismiss the issue and get off of the telephone. I told her, "You know, I find it hard to believe that with SO MANY forclosures out there, that GMAC is sending people around to each of them to get "informed" about whether the property is vacant, and to rekey the property. This seems like more of an effort to avoid waiting the 6 months after forclosure to kick people out by having GMAC say the property wasn't occupied . . ."

She said that, "Yes, we send those letters out to everyone, and if they call in, we note that the property is occupied."

What a LOAD OF CRAP! So GMAC is putting hundreds of thousands of homeowners in a panic, as if they had nothing else to have anxiety about, by stressing them as to whether they have 7 days rather than 6 months to get out of their house after forclosure. And they do this because GMAC is too lazy, cheap, and greedy (sound like a familiar pattern? Like the one that got us into this mess?) to actually let the presumption be that the home is occupied, or to go check it out for themselves. There was NO INFORMATION that would have suggested I was NOT LIVING HERE. GMAC was on a fishing expedition and was hoping to bypass the President's efforts and statutory timeframes by claiming they'd made an effort and found the home unoccupied due to a lack of a response. If that's not illegal, it should be. I recorded the conversation.

Mike c
Preston, Minnesota
U.S.A.

This report was posted on Ripoff Report on 04/17/2009 09:22 AM and is a permanent record located here: http://www.ripoffreport.com/r/GMAC-Mortgage/Waterloo-Iowa-50704/GMAC-Mortgage-General-Motors-Acceptance-Corporation-Fishing-Expedition-to-shorten-time-a-444402. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
0Author 8Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

Did I miss something..

AUTHOR: Robert - (U.S.A.)

If I am reading your complaint correctly you are upset at GMAC because they sent you a letter because they wanted to verify if the house was vacant.

Your contention is that they should just wait 6 months to do this. So are you saying you are entitled to and plan to stay there 6 months rent/mortgage free?
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#2 Consumer Comment

Seriously, why do you pretend to know what the adults ralk about or do deadbeat? Why must you always lie?

AUTHOR: John - (U.S.A.)

'Gmac admitted taken advantage of people'

>> How do you know? Why would you care. When are you going to ever post proof to any of your false accusations? You allegedly have no money so you definitely have no money to buy a house. Why do you make believe to know what you are talking about?

'Gmac admitted taken advantage of people, It was a while back.'

>> Then post the proof of this false accusation.

'Well I knew that all along gmac & other businesses was taken advantage of people.'

>> How would you know? You know absolutely NOTHING about how ANY business works thus why you continue to post lies and fraudulent reports. It has been proven.


'Yet you have people like stacy & john, who defend these scum businesses who takes advantage of people'

>> And yet, you can not provide one single shred of evidence of this as we have asked for for a year now. Why do you continue to lie here on a daily basis?

- How can you have any credit card at all if you have no money like you claim in all the collection reports you crap in?
- How can you afford a computer to perpetrate your fraud with if you have no money like you claim in the collection reports you pollute?
- How can you afford an internet connection to perpetrate your fraud if you allegedly have no money as you claim?
- How can you afford an attorney for all these alleged lawsuits you claim to be filing if you have no money like you claim?
- Why did you get a cellphone you knew you couldn't afford when you have no money as you claim?
- Why haven't you paid the people you have owed money to for a long time?
- How can you afford a vehicle to go out and cause accidents in if you allegedly have no money?
- How can you afford the exorbitant insurance from the accidents you cause in the vehicle you shouldn't be able to afford if you have no money as you claim in the collection report?
- How can you be buying your panties and dresses off QVC if you have no money?
- When are you going to apologize for lying to Steve as was proven about allegedly not being on some sort of meds? Or are you not on meds? Which is the lie?
- When are you finally going to leave us like you promised in your fraudulent schneider report so that isn't also one of your many lies?
- When are you finally going to answer the legitimate questions asked of you?
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#3 Consumer Comment

Gmac admitted taken advantage of people

AUTHOR: Charles - (U.S.A.)

Gmac admitted taken advantage of people, It was a while back. Well I knew that all along gmac & other businesses was taken advantage of people.


Yet you have people like stacy & john, who defend these scum businesses who takes advantage of people.
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#4 Consumer Suggestion

I ALSO WAS A VICTIM OF THESE GMAC PRACTICES

AUTHOR: Art B - (U.S.A.)

I also received the same letter. I was just 1 month late on my mortgae payment, so my situaction is baffling to me. GMAC sent me that letter saying that they "received information" that my house was vacant and they were going to rekey and winterize if needed. They also falsely told my homeowners insurance company that my home was vacant, causing them to immediately send me a notice cancelling my policy. I wrote GMAC and also contacted the state of ohio insurance licenisng unit to complain and they contacted the homewoners insurance company and asked them for an explanation of their actions. They also wrote GMAC asking for an explanation. GMAC never replied. The homewoners policy was then suddenly "re-instated." GMAC also never replied to my 2 letters asking why this was done and who gave them the erroneous information that my house was vacant.
Can something be done about this abuse?
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#5 Consumer Suggestion

Dear Sir/Hooray for you!!!!!!! Go to Dateline NBC Story Editor's desk ASAP to tell them

AUTHOR: Miss Guardian - (U.S.A.)

Dear Sir: This is an out-right scam that they have been doing to pretend as if the Homeowner is INVISIBLE! They know when you are there & when you leave for work! So please be wary & ask a neighbor to keep watch when you are away at work! They may come by & take photos, or pretend to ring your doorbell and/or purposely make footprints in the snow to say as if they were there! We know all about their big games of cat & mouse! This says: "LAZY"!!!!!!!!!!! Stand up & tell DATELINE, they are taking info about everybody's stories about them right now! God Bless All Victims of GMAC! GMAC took American Tax Payer $$$$$ from all to spend... to try & cheat the homeowners right out of their homes, WOW!!!!!!!!
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#6 Consumer Suggestion

Dear Sir/Hooray for you!!!!!!! Go to Dateline NBC Story Editor's desk ASAP to tell them

AUTHOR: Miss Guardian - (U.S.A.)

Dear Sir: This is an out-right scam that they have been doing to pretend as if the Homeowner is INVISIBLE! They know when you are there & when you leave for work! So please be wary & ask a neighbor to keep watch when you are away at work! They may come by & take photos, or pretend to ring your doorbell and/or purposely make footprints in the snow to say as if they were there! We know all about their big games of cat & mouse! This says: "LAZY"!!!!!!!!!!! Stand up & tell DATELINE, they are taking info about everybody's stories about them right now! God Bless All Victims of GMAC! GMAC took American Tax Payer $$$$$ from all to spend... to try & cheat the homeowners right out of their homes, WOW!!!!!!!!
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#7 Consumer Suggestion

Dear Sir/Hooray for you!!!!!!! Go to Dateline NBC Story Editor's desk ASAP to tell them

AUTHOR: Miss Guardian - (U.S.A.)

Dear Sir: This is an out-right scam that they have been doing to pretend as if the Homeowner is INVISIBLE! They know when you are there & when you leave for work! So please be wary & ask a neighbor to keep watch when you are away at work! They may come by & take photos, or pretend to ring your doorbell and/or purposely make footprints in the snow to say as if they were there! We know all about their big games of cat & mouse! This says: "LAZY"!!!!!!!!!!! Stand up & tell DATELINE, they are taking info about everybody's stories about them right now! God Bless All Victims of GMAC! GMAC took American Tax Payer $$$$$ from all to spend... to try & cheat the homeowners right out of their homes, WOW!!!!!!!!
Respond to this report!
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#8 Consumer Suggestion

Dear Sir/Hooray for you!!!!!!! Go to Dateline NBC Story Editor's desk ASAP to tell them

AUTHOR: Miss Guardian - (U.S.A.)

Dear Sir: This is an out-right scam that they have been doing to pretend as if the Homeowner is INVISIBLE! They know when you are there & when you leave for work! So please be wary & ask a neighbor to keep watch when you are away at work! They may come by & take photos, or pretend to ring your doorbell and/or purposely make footprints in the snow to say as if they were there! We know all about their big games of cat & mouse! This says: "LAZY"!!!!!!!!!!! Stand up & tell DATELINE, they are taking info about everybody's stories about them right now! God Bless All Victims of GMAC! GMAC took American Tax Payer $$$$$ from all to spend... to try & cheat the homeowners right out of their homes, WOW!!!!!!!!
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