Report: #1052226

Complaint Review: GMAC - louisville Kentucky

  • Submitted:
  • Updated:
  • Reported By: tiffany s s — philadelphia Pennsylvania
  • GMAC p.o. box 9001719 louisville, Kentucky USA

GMAC Mortgage, Homecomings, LLC, HANCK, OCWENomecomings Financial, RESCAP, DEITCH NATIONAL BANK, DEITCH B I had been Homecomings Financial for some time & I needed to do a Modification & they sent me to a loan counselor julius sharper who was a total raciast & treated me like i was a criminal! i provided him w all of the necessary Modifiation Paperwork that Homecomings jerked me off w previously by paying $829.00 for 3 months  louisville Philadelphia

*UPDATE EX-employee responds: Make GMAC now Ally Financial Accountable for Their Injustice

*Consumer Comment: GMAC IS DOING A BOFA GAME

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then i had to call them constantly & they informed me after 5 months that i didnt qualify for the Modiciation & i consulted an attorney which i work for for the last 20 years who informed me to go to the mortgage counselor, juliuis sharper again like i said he did nothing 4 me..he just kept his secretaries saying "yea we did what we had 2 do 4 u call is back in 60 days...then his number was out of service for 60 days then finally i reached his staff & again the same thing then i recd a bill from GMAC out of no where so i called them up & told them the 411 about the scumbag mortgage counselor, ie i have all of our emails..and all of a sudden they gave me the Modification and I was paying it on time and all the while i kept seeing all these charges for mortgage insurance which i cancelled 5 years ago & didnt need & all charges 4 inspection, other and so forth & there were all these unnamed charges put in a column that wasnt labeled.

i paid $3,3777.00 to Phelan & Schmeig, LLC on 3-31-09 & never seen any of that money put to my statement & when I called GMAC & Text them they never got back to me...1 month later & i wasnt even late they put me into foreclosure...what do u think why? it was bc i questioned where my almost $4,000.00's went?? my paper statements & email statements were different & no one from GMAC could explain where this money went?????now all of a sudden they wont except my monthly mortgage payments???they sent them all back & again i am in foreclosure??? why bc im not fool??? bc i called & texted???? so now all of a sudden rescap goes into bankruptcy chapter 11 in NY and then all of a sudden i get foreclosure papers from Deitch Bank?????? Please advise asap

This report was posted on Ripoff Report on 05/20/2013 03:00 AM and is a permanent record located here: https://www.ripoffreport.com/reports/gmac/louisville-kentucky-40290/gmac-mortgage-homecomings-llc-hanck-ocwenomecomings-financial-rescap-deitch-nationa-1052226. 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#2 UPDATE EX-employee responds

Make GMAC now Ally Financial Accountable for Their Injustice

AUTHOR: Pro Se Advocate - ()

POSTED: Thursday, February 27, 2014

They have a pattern and practice of discriminating and taking homes illegally.  They got a $17 billion dollar bailout and are owned by taxpayers.  They are too big to fight alone.  Please join us in the fight to stop the Bully  known as GMAC Mortgage and Ally Financial at http://chn.ge/1iz3BwV.

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#1 Consumer Comment


AUTHOR: Ms D - ()

POSTED: Monday, June 03, 2013

I wrote loans until the mortgage market crashed. I know all the loans i wrote, were safe from the crash, 30yr 10 yr I/O all my clients bought down there interest rate in order to stop the 10's of 1000's banks took from home owners on the back end. the  only way to stop them is to buy down your rate  The current loan i have been working on  is for a senior citzen. in 2006 I refied her loans 2 houses in a 30 yr fixed 5 yrs interest only 800 fico plenty of liquid assets. YES WITH BOFA .her 1st payments were due on 12/2006 The brokerage who processed her loans called her 1st week of 2007, telling her BOFA has a lower payment, she did not need to do anything except make a time to sign new docs. YOU guessed liar loans COUNTRYWIDE stated income stated assets at 65 with a 804 middle fico liar loans option arms. 1st payments 2/1/2007 in May of 2007 BOFA sent a demand for payoff, stole the 1000's in her impound accounts, How did those loans close if 4 months later 4 payments made to COUNTRYWIDE!   "paper trail" they can not run from, in 10/2010 called to modify she was scared they would kick her out. Never missed a payment in 13 yrs sent in package 11/2010 called her with a sorry to tell you the only way to qualify is file chapter 7. doing that scared her she filed there direction. BK granted 1/19/2011 received a letter dated 1/17/2011 sorry after careful review even with the chapeter 7 BOFA has no program to help her. REFUSED her payments on rental for 11 months we had to find a NEW BOFA every month they took her payment to only send it backl you no reason just a BOFA check for the mortgage payments which we had her bank certify the checks then deposit it a find a new bofa they would flag her so we made the branch managers sign date and direct contact after we voided the check rote refused  branch number certified the checks they refused. 8 solid breach of contract both homes, PLUS FINANCIAL abuse of a senior citzen. I filed complaints from San Diego to Washington right up to ask President Obama for  help, 1st response was a call from Ginna at fannie may she had been forwarded my email from the Whitehouse. an hour later fedex from BOFA who received a call from the Whitehous and would be on pushing it forward unsigned evrey other day i called both do you need anything NO they would call. LIARS  11 complete packages new rep 4 in one week sorry we do not share info send a new one. sorry got to go ps never filed NOD on either property until I finally got an attorney to listen. NO ONE WOULD HELP because no NOD filed. 2 yrs filed complaints read all case law from CA to NY. The lawyer took the case all the did was sit down and type up and file the case Dam should have gone to law school. FYI I taught them all the fraud countrywide/gmac/bofa/wells fargo/ etc. make them sign the check they refuse have your bank certify it. need help i'm here every complaint I filed with goverment office were updatable. ps recieved a letter from Whitehouse asking if BOFA  responded and modified her homes, 2nd email to President Obama was answered with a direct contact info to call them directly spoke with one of his aides, document it go to local recorders office for hard copies of them changing hands.uht oh kid home bye

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