I had my last car financed through GMAC. This car was written off in June. My insurance paid out majority of the value but left $517 owing to GMAC. I have been liaising with a customer service consultant at GMAC to organise for my gap insurance to cover this. Last week, the amount of $319.00 was taken by GMAC out of my bank account without my knowledge and without my consent. I called customer service and after 20 minutes on hold spoke with someone who told me she couldn't help me. She transfered me to someone who could. I got this persons voice mail and left a message saying it was urgent my call was returned asap. I continued to call over the next 2 days, not being able to speak with anyone who could help me and not having any of my calls returned. When I finally could speak with someone they admitted the money shouldn't have been taken from my account but that the money could not be returned until mid the following week. I was offered no apology or explanation. I explained that because I wasn't expecting this amount to come out my direct debits had bounced and charged a late fee. GMAC remained completely unsympathetic. It is mid the following week and my money has still not been returned to me.
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