GMAC Mortgage BAD CUSTOMER SERVICE, DISHONEST, LIERS, RUINED CREDIT ripoff Horsham California

Thanks for the comment. Can we talk. if you search you well find me at plattoridge farm. Hope to hear from u soon.

I am sad to say I was a customer service representative for gmac mortgage. I was hired a month after turning 18, and being the youngest person in the company was ecstatic that I had a job oppprtunity that paid more than 6.50/hr. However, I was fired after 8 months because I was violently sick 4 days of the week. I had to see a doctor and had mutiple tests run for two days. I was getting sick because of the stress from my work. When I returned, with a doctors note, I was fired.
In the first 6 weeks of training you are taught that once a customer takes out a mortage, they are "bent over our barrel". I, however did recieve 20 "happy letters", (letters customers wrote to corprate about the service recieved from me). Every call to me was an opportunity to help a customer. I would sometimes spend an hour+ to figure out how to detangle the problems the company had caused. I was veiwed as a bad employee for that because i am to keep my call time under 5 minutes.

I am so sorry to say this but the only way to get anywhere with that company is to remain calm, polite, and ask for a supervisor. Otherwise they will disconnect you,, and add negative notes to your account, which every representative will see everytime you try to call.

I was screwed over by gmac for trying to help the people they serve, they wont think twice about you. They have you "bent over their barrel". No joke. Good Luck and im so very sorry.

i see everyone still complaining and still noting being done? i lost my case against gmac due to the dirt bag lawyer they hired and my ex attorny who screwed me over. now they want legal fees and im back in court again. first off i see everyone says to file complaints with the gov agencies, well i did that and they all turned their backs on me ta da our gov its a wonderful thing, to this day not one of them has ever helped be resolve this issue. i still belive if you want to take gmac down its through word of mouth ..tell everyone about them and this site i have and people have thanked me for warning them. i even went so far as to stand out side of a home show and pass out flyers telling people about gmac and their dirty dealings. what iam doing now is writing a book and will publish it my self. it will be called FROM UNDER THE BRIDGE the story of how gmac took my home the real truth ......

Jack is correct...READ EVERYTHING...

I don't care if you have to sit in their office all day to read it. This is how they get us...they just merely say...sign here...and don't ellobrate anything.

For mortgages...at the closing table...that's all you do...alot of signing and little explanations...

So do this...sit your butt down in a corner and read it in the attorneys office...you are paying him his fee...(the loan pays everyone...and you are the borrower)


So learn from JACK...by ASKING QUESTIONS...the hard ones


1. What exactly are you giving me?
2. Are you loaning money or credit?
3. How can I verify that you are going to loan your assets to me?
4. Have you disclosed all important matters of this contract to me?
5. Is credit legal tender of the united States of America?
6. Is credit and Money the same thing?
7. Is it against the law to loan credit and charge interest?
8. Are you going to deposit my promissory note/contract in an account that I am unaware of?
9. Can I have a bone fide copy of the contract showing the contract binding with GMAC signature on it as well?

NONE OF YOU has a contract with the lenders SIGNATURE on it...when it comes to a mortgage loan...(I wonder why)...I thought a binding contract should have both signatures....

10. Can I have this loan in cash rather then a check? And can we make the exchange before I sign the promissory to insure that the money is coming from your assets?


See...guys...JACK is clueless because he doesn't know the unspoken process behind the scenes either... they use people like JACK to make you feel irresponsible. Make you feel guilty when in FACT GMAC is the WRONG DOER!

Don't respond to JACK comments....all evil doers will get exactly what they deserve...he will soon be out of a JOB....and when he can't pay his mortgage note and car note and they repossess it...then he will understand and get what he deserve.

AGAIN...BANKS MAKE EXCHANGES...THEY DON"T LOAN MONEY" EXchanges are not loans....

source: Modern Money Mechanics...written by the Federal Reserve Bank of Chicago.

Let's all do our HOMEWORK...and BRING GMAC DOWN!!!!

Unfortunately - you don't really understand the magnatitude of this industry...

You don't owe on your home ...you don't owe on your cars.

You seem like a fighter...and I am a fighter too...

I would like to collaborate with you....

- your complaints are good...but to really make GMAC get scared...

ask these 3 questions...

1. What is the alleged agreement of the loan? What were you going to do for me that you executed a security deed?

2. Did you finance the purchase of my home with your assets?

3. Or did you make me a depositor and not a borrower?

I truly would like you to search on the web for:
"modern money mechanics"

I believe you are a fighter and will read that publication that is no out of print.

BANKS or financial institutions DO NOT LOAN MONEY...they make exchanges...

AN EXCHANGE is not a loan.... make sure you read page 6 very careful for in that page is your answer.

I am fighting in court with GMAC on their car financing side right now...
can I enter the class action as well since it's not a mortgage?

You might want to file a compliant with the FDIC as well...these are entities that can SHUT GMAC down....

GMAC commits FRAUD everyday....we just don't know that they do because we don't know the (UNSPOKEN BANKING PROCESS) that is out there.

Yeah, I know you've been a loan officer - so have I...but what I no know/ learned...trust me...they never taught us this information.... THE BANKS ARE ROBBING US BLIND....

I am ready to join forces with you....how can I contact you?...

A classaction is not about money to me... IT"S the PRINICPAL and to CLOSE GMAC DOORS FOR GOOD!!!


Renee'
Atlanta, GA

Unfortunately - you don't really understand the magnatitude of this industry...

You don't owe on your home ...you don't owe on your cars.

You seem like a fighter...and I am a fighter too...

I would like to collaborate with you....

- your complaints are good...but to really make GMAC get scared...

ask these 3 questions...

1. What is the alleged agreement of the loan? What were you going to do for me that you executed a security deed?

2. Did you finance the purchase of my home with your assets?

3. Or did you make me a depositor and not a borrower?

I truly would like you to search on the web for:
"modern money mechanics"

I believe you are a fighter and will read that publication that is no out of print.

BANKS or financial institutions DO NOT LOAN MONEY...they make exchanges...

AN EXCHANGE is not a loan.... make sure you read page 6 very careful for in that page is your answer.

I am fighting in court with GMAC on their car financing side right now...
can I enter the class action as well since it's not a mortgage?

You might want to file a compliant with the FDIC as well...these are entities that can SHUT GMAC down....

GMAC commits FRAUD everyday....we just don't know that they do because we don't know the (UNSPOKEN BANKING PROCESS) that is out there.

Yeah, I know you've been a loan officer - so have I...but what I no know/ learned...trust me...they never taught us this information.... THE BANKS ARE ROBBING US BLIND....

I am ready to join forces with you....how can I contact you?...

A classaction is not about money to me... IT"S the PRINICPAL and to CLOSE GMAC DOORS FOR GOOD!!!


Renee'
Atlanta, GA

Unfortunately - you don't really understand the magnatitude of this industry...

You don't owe on your home ...you don't owe on your cars.

You seem like a fighter...and I am a fighter too...

I would like to collaborate with you....

- your complaints are good...but to really make GMAC get scared...

ask these 3 questions...

1. What is the alleged agreement of the loan? What were you going to do for me that you executed a security deed?

2. Did you finance the purchase of my home with your assets?

3. Or did you make me a depositor and not a borrower?

I truly would like you to search on the web for:
"modern money mechanics"

I believe you are a fighter and will read that publication that is no out of print.

BANKS or financial institutions DO NOT LOAN MONEY...they make exchanges...

AN EXCHANGE is not a loan.... make sure you read page 6 very careful for in that page is your answer.

I am fighting in court with GMAC on their car financing side right now...
can I enter the class action as well since it's not a mortgage?

You might want to file a compliant with the FDIC as well...these are entities that can SHUT GMAC down....

GMAC commits FRAUD everyday....we just don't know that they do because we don't know the (UNSPOKEN BANKING PROCESS) that is out there.

Yeah, I know you've been a loan officer - so have I...but what I no know/ learned...trust me...they never taught us this information.... THE BANKS ARE ROBBING US BLIND....

I am ready to join forces with you....how can I contact you?...

A classaction is not about money to me... IT"S the PRINICPAL and to CLOSE GMAC DOORS FOR GOOD!!!


Renee'
Atlanta, GA

This information is for everyone who is still having problems with the abusive practices of GMAC mortgage. Even if you are in foreclosure or have lost your home to foreclosure. Everyone needs to registered a complaint with the FTC to get the ball rolling to start a major class action suit against GMAC mortgage in federal court. There will be no cost to you. Simply call the following number (877) 382-4357 to register your complaint.
DO NOT DELAY, CALL AND LODGE YOUR COMPLAINT AGAINST GMACM.
VOLUME SPEAKS LOUDER THEN WORDS. THE MORE THE BETTER........

Please Please Please Jack stay off the internet because you are totally clueless!!!

Please Please Please Jack stay off the internet because you are totally clueless!!!

Please Please Please Jack stay off the internet because you are totally clueless!!!

Please Please Please Jack stay off the internet because you are totally clueless!!!

your responce was a typical one form a gmac employee most have their heads up their butts
jack i did read my docs and i know how to do this i own lots of realistae and im buy more as we speak (IM NOT FINANCING IT WITH GMAC THOUGH)as i said jack i am sueing gmac for the mistakes they made in mismanaging my funds that were sent to them they were told by the courts not to contact me or have any bussiness dealing s with me as its a conflict of interest and yes jack i know mortgages can be bought and sold oh i think i read that some where ? perhaps jack you should look into the fact that in 2003 gmac changed servicing companies and then they had a systum failure that lost hundreds of accounts and screwed up peoples lives by not admitting to this and just how do i know this jack humm because i have it in writing from gmacs own peoples so the next time you want to write wa wa wa try looking under your own rock for some dirt

I do not work for gmac mortgage. My credit was distroyed by GMAC. All my mortgage payments were paid on time. FYI: When a broker pulls your credit they pull from all THREE BUREAUS. That's funny that you mentioned innovus as one of the bureaus and you only named two of the standard bureaus. Are you a employee of GMAC!
THIS IS FAR AS I AM GOING TO COMMENT ON MY STORY.
SYL

out of all you said all i understood was "WA WA WA WA WA WA WA, I DIDN'T KNOW THEY COULD DO THAT", grow up, be responsible, read what you sign and you won't be so surprised. 9/10 disputes with any mortgage company can be settle if people read their statements, read their notes and closing documents and people please look at your bank statements. I stress this to my customers and most if not all of them say thank you.

For those irresponsible people that blame everything on your mortgage company, please read your paperwork that you signed and check your bank statements and you will realize its your fault most of the time. Do we make mistakes yes we do but so do the customer, the only difference is the customer doesn't want to be affected in the form of late charges and negative credit reporting and expect us to waive both just because they are the customer. Its a bunch of b/s because it doils down to the same thing, you owe us money, you don't pay there will be consequences and you will be held accountable for your legallly binding contract that you signed.

So stop your grudge and read everything you sign down the the last period.

john if you work for gmac i feel sorry for you let me tell you a story about what gmac did
i owned a duplex that was financed with greenpoint mortgage after 6 months greenpoint decided to sell it to gmac

now it get interesting you see i have been in court with gmac since 2003 they were told that they can not contact me nor can they do any bussiness with me unless they go through my attorney

after finding out they were going to have the mortgage i called them explained to a customer service rep that this can not happen and they have to give it back to greenpoint i also told greenpoint this the rep from gmac told me that she would look into it after a week had passed i had heard anything so i called again got a different operator she said they were looking into it now its now been three weeks finally i called again and was told that it was ok for them to handle this account say what you say" now my attorney had to step in he was told the same thing he said this will just add fuel to the fire and show how incompident gmac really is so now its been two month i started to get letters from gmac and they were telling me that i was late they were charging me late fees and i was at risk of foreclosure and it would go on my credit record funny thing is gmac didnt have the account yet seems it wasnt transferd to them and i had not recieved any payment info from them so how could they charge late fees to me it took me to pay off the account to them in full so i wouldnt have to deal with another night mare from gmac

basically gmac is the most screwed up cpmpany i have ever had to deal with they are DEAF DUMB AND BLIND and this is how thye will trash your credit with the reporting agencies

Im sorry to hear that your credit hasn't been repored that is very sad indeed, but which credit report did you pull that showed this, did you pull your equifax, transunion, innovis and other credit bureaus credit reports, check on them because a lot of times its a conflict within the credit bureaus themselves not having the credit reported correctly on their books. As far as the late charge goes, if you did expire the first 60 days of loan acquisition, didn't pay your bill, how do you not expect to be assesed a late charge? A re-fi isn't an excuse to not make your payments? As far with the credit, check with the 3 major bureaus, thats just my personal suggestion because the credit bureaus and their reports with one another can be pretty conflicting