GMAC Mortgage
Ripoff fraudulant claims of missed payments, late cashing of checks, dishonest foreclosure Phoenix

I could probably just write "ditto" to the many previous reports, but here goes: My mom has been paying on her house for 28 years of a 30 year loan. The first 25 years there have been no problems whatsoever. Then GMAC Mortgage aquired the loan, and almost immediately the problems started.

She received notices of a default, for not having insurance. She sent proof of her insurance, but continued to receive notices. On the phone, she was placed on hold and hung up on repeatedly. After several months, they demanded a notarized copy of proof of Insurance from the Insurace company, and she complied. All was fine, for about a month. Another default notice, this time for property taxes. And several months of the same run-around getting them to acknowledge that taxes were paid. With in a month of settleing this matter, they started again, back to the Insurance coverage, and once again back to taxes.

In April of she started receiving defaults notices of skipped payments. These notices are unsihned, and do not even mention a name of a person to speak to. Reviewing her records, which I have personally verified, all payments were made, and on time. Calling the 800 number, the only means of contacting GMAC Mortgage, the represntative, first names only, no employee ID number, say that she has skipped two payments, but cannot tell us which two months.

We send in bank statements going back over a year, proving all payments were received and cashed. About a dozen were cashed a month after they were sent. They still insisted two payments were skipped. All current payments were being made on time. Repeated attempts were made to solve this problem, but they just maintain she needs to make two more payments.

By December they send her papers that they are starting foreclosure on her for defaulting on payments. We continue to try to resolve the matter by phone. Even going into a local office, the employees put us on the phone back in Pennsylvania. No address is available for this location, according to employees. They finally give us a month, seemoimngly at random, that we presumably missed. " October." Odd, as they started complaining in April, but we send them proof of the October payment. No one responds. Next time they tell us it is January, and later tell us it is April. Each call, they provide a different month we skipped.

In Feb they send her payment back, and do so again in March and April. They returned checks are accompanied by unsigned leters saying that as we are in default, they will not accept further payments.

At this time, I all but move into the El Segundo office, standing in their lobby up to six hours at a time, talking to employees at the other end. I get the run-around over and over, I have cancelled checks and bank statements with me, to verify evetrything at our end.

Now, a new version. Okay, so we didn't actually skip any payments. However, they received a notice that we had not paid our property taxes, and started an escrow account. They later realized that they "made a mistake" as the taxes had indeed been paid, but because of the escrow, all payments were being recorded as a month late: February was recorded as January, paid late, etc. And thus, we have over a years worth of late fees to cover, and they would like $500 from US to cover this.

They promised to get a letter out to us by the 20th og June, verifying that they had made a mistake, and, that upon receipt of the $500 payment, they would correct the error, and show all payments as current. Today, the 21st, we have not received this letter, and are not really inclined to pay another $500 that we really do not owe. If I were confident that this would actually settle the matter, I would hand carry the payment in. As they have lied to us again and again, I see no reason to pay money we do not owe, and have them continue with the foreclosure.

I too would like to find a lawyer to deal with these people.

Tom
Gardena, California
U.S.A.

Company: GMAC Mortgage
Country: USA
State: Arizona
City: Pheonix
Phone: 8008504622
Site: gmacmortgage.com

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