GMAC Complaint

Reviewed by chasity10 Complaint

0

My name is Chasity Strawder. I am a leasee of a 2007 Pontiac G6. My husband, Terrence, is a co-leasee. We actually started out with 2 G6's, but one repossessed in June '07 following a job loss in our household. Since around May of 2007, times have been really rough because of the job loss-our car was repossessed, we were homeless, hungry, etc. During this difficult time, GMAC has been the hardest creditor to deal with. I mean when we have done everything in our power to make payments when we can, it still isn't good enough. Matter of fact, today, (12/19/08,)I contacted our account manager in collections about a payment that we were scheduled to make. Honestly, we have not been able to make a full payment in a while but no one has ever told us that that was a problem with that. I was calling to give Bridget, the account manager, the reference # for our Moneygram payment. She begun to tell me that I should have told her that I was only going to make a partial payment, that I should not have gotten a car that I could not afford, partial payments are not accepted because they have no affect on one's account,etc. All the while, I kept explaining to her that the payment was ALL we had and that things have been tight for a while. I then asked for her supervisor. First, Bridget said that she did not have one then she put me on hold. A "Joe" came on the line and further berated and harassed me regarding our financial situation-asking me why did we have a car already repossessed, they have tried to help us with extensions, etc. I told him that we had tried to get out of our lease because of the higher payment and we were told that nothing could be done because of the amount of negative equity left in the car, our credit score, etc. "Joe" tried to make me promise that we could make the full remaining payment in two weeks-I told him that my husband does not know how much his check is until he gets it because he is a part hourly/part salary worker. I finally had to force the conversation to end because I was in tears and felt that what we had tried to do did not amount to anything. I want to know why a company who has been put in a position where they had to beg for financial help from our goverment would continue to treat its customers with such disdain and disrespect? I have filed a complaint with the Federal Trade Commission in reference to my conversation with the collections department today. My husband and I have decided that we have become customers of GMAC for the last time. We do not want to do business with a company who lacks compassion, consideration, and just plain 'ole respect!

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