In July '06, I financed a new home purchase through GMAC Mortgage. I set up auto payment through my citibank checking account. I later learned that GMAC refused the electronic payment sent by citibank. I was never notified by GMAC. I then set up to have citibank send them a check versus electronic payment. That payment was refused by GMAC as well. When I called GMAC to clear up the situation, I was informed my account had been sent for foreclosure. I offered to make immediate payment to get my account current, and was refused. I was given a number for an attorney now handling the foreclosure for GMAC. I called them and was told they had no record of my account. I called GMAC back and was told my account had just been turned over to the attorney the day before.
Once again, I asked to make a payment to have my account current and was refused. I called the attorney back and was told to call them back in two weeks as they had not received my file. Two weeks later, I called back and was told they would not talk to me, I needed a lawyer to represent me. I contacted a lawyer who took on the case.
Proof was given regards making the payments and them being returned. GMAC's attorney, however, refused to let me make a payment to become current and continued the foreclosure process, filing papers with the court and serving me on christmas eve. After several months, letters from citibank confirming payment had been made, and calls from my lawyer, GMAC's lawyer acknowledged that I had made payment. They agreed to drop the foreclosure if I would come current and give their attorney $2000. Having no other choice, I did that. The foreclosure was dropped, and it was agreed that the foreclosure would be removedfrom my credit report and they would leave a 60 day late on my credit report.
I just received a copy of my credit report, and the foreclosure is still on it.
Before this, my credit was excellent. Because of GMAC, I am now listed as a risk 4 (extremely high risk), and am unable to refinance my home or get credit.
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