First, the back-story.
Back in August, GMAC received a bill for our flood insurance from our insurance company. They didn't pay it. September rolled around and it still hadn't been paid. Facing a loss of flood insurance if we didn't pay up, I paid it by credit card on September 24. GMAC had also finally paid it on September 21. My payment got to the insurance company first.
On October 13, our insurance company sent a refund check back to GMAC for overpayment. This check has subsequently disappeared completely. I've made multiple calls to GMAC's "customer service" in an effort to track it down so we can get the surplus back. The first time they transferred me quite literally in circles for almost an hour. The second time I spoke to someone who was a blithering imbecile who wouldn't listen to a word I said. The third time, the representative just disconnected my call. Someone did call me back hours later, but his accent was so thick I couldn't understand a word he said.
I also emailed them once, explaining the problem in detail, and some moron wrote me back telling me that my homeowners insurance had been paid. (This is true, but it wasn't what I was writing about. I was writing about our flood insurance in the amount of $556, not our homeowners insurance in a completely different amount, but the brainless fecalbrain who received my email couldn't be bothered with these silly "details.")
On no occasion did anyone at GMAC take ownership of the problem and resolve to find the right person or persons to deal with the issue. The best they could do is tell me that they didn't know where the money was.
I wonder how many of these people, if someone they knew had misplaced a check for $556 while visiting their home, would just throw up their hands immediately and say, "oh well, I don't know where it is" and think that was a satisfactory resolution. No decent human being in his or her right mind would do that. They'd tear the house apart looking for it, starting with the most likely locations first.
Not so with GMAC. They're not even remotely interested in helping. They're certainly not interested in finding the $556 we're owed... I would imagine because they quite like holding on to our money and not giving it back.
Yesterday I'd finally had enough of their crap. Rather than spend another moment talking to yet another mindless drone in Russia, I mailed a complaint to the California Department of Corporations, the entity that regulates mortgage lenders in the state. Perhaps that will finally get the attention of someone with the ability and willingness to resolve the problem.
Back in August, GMAC received a bill for our flood insurance from our insurance company. They didn't pay it. September rolled around and it still hadn't been paid. Facing a loss of flood insurance if we didn't pay up, I paid it by credit card on September 24. GMAC had also finally paid it on September 21. My payment got to the insurance company first.
On October 13, our insurance company sent a refund check back to GMAC for overpayment. This check has subsequently disappeared completely. I've made multiple calls to GMAC's "customer service" in an effort to track it down so we can get the surplus back. The first time they transferred me quite literally in circles for almost an hour. The second time I spoke to someone who was a blithering imbecile who wouldn't listen to a word I said. The third time, the representative just disconnected my call. Someone did call me back hours later, but his accent was so thick I couldn't understand a word he said.
I also emailed them once, explaining the problem in detail, and some moron wrote me back telling me that my homeowners insurance had been paid. (This is true, but it wasn't what I was writing about. I was writing about our flood insurance in the amount of $556, not our homeowners insurance in a completely different amount, but the brainless fecalbrain who received my email couldn't be bothered with these silly "details.")
On no occasion did anyone at GMAC take ownership of the problem and resolve to find the right person or persons to deal with the issue. The best they could do is tell me that they didn't know where the money was.
I wonder how many of these people, if someone they knew had misplaced a check for $556 while visiting their home, would just throw up their hands immediately and say, "oh well, I don't know where it is" and think that was a satisfactory resolution. No decent human being in his or her right mind would do that. They'd tear the house apart looking for it, starting with the most likely locations first.
Not so with GMAC. They're not even remotely interested in helping. They're certainly not interested in finding the $556 we're owed... I would imagine because they quite like holding on to our money and not giving it back.
Yesterday I'd finally had enough of their crap. Rather than spend another moment talking to yet another mindless drone in Russia, I mailed a complaint to the California Department of Corporations, the entity that regulates mortgage lenders in the state. Perhaps that will finally get the attention of someone with the ability and willingness to resolve the problem.
