Homecomings Financial (GMAC) payments misapplied, payments applied to others accounts, secret escrow account opened, FORECLOSURE started Ripoff Waterloo Iowa

Homecomings Financial is corrupt and incompetent. They opened an escrow acct without my knowledge, misapplied $4000 worth of payments, posted one of my payments to someone else's account, and continue to try to draft a bank account I closed months ago. I literally had $1400 disappear. I found out 6 weeks later it wasnt even posted to my account, although it was taken out of my bank account. They paid my property tax 2 years in a row without telling me, so I paid it twice. And they began foreclosure proceedings against me as a result of the 10+ mistakes they made on my account. None of this was my fault. Their customer service reps are rude, ignorant and mean. They contradict each other. I looked on Better Business Bureau and HC has 300+ complaints. Every time I call them I get a different story. I need to get legal help, and I'll make a BBB complaint. But even if I can get them to fix this mess, I'll never get back my good credit and all of the time (100 hours so far) it has cost me. I have spent 40+ hours on it this month alone and I still cant figure out this mess. It has impacted my productivity at work, damaged my credit, and might cost me up to $5000 if I dont get help, and might even cost me my home. This is my first home, and thanks to Homecomings it has been a miserable experience.

Kristen
Charlotte, North Carolina
U.S.A.