Pissed Consumer - Gmac Overdrafted My Checking Account

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Gmac Overdrafted My Checking Account

Jun 30, 2008

GMAC complaint by Mtyperson

My name is Matthew Ty Person. I made an automatic payment through Gmac Financing’s online payment system. I schedule the payment to be taken from my bank account on July 4, 2008 (the day my paycheck is deposited). Gmac withdrew the fund June 20, 2008. My personal checking account manager has written a letter (attached) to Gmac demonstrating if this payment was not requested automatically June 20th, my account would not have been charge the $210 it overdraft fees. Further, if Gmac would have taken out the money on July 4th, there would be no problems with my checking accound which is currently in limbo at approxiamately negative $578.

I have contact Gmac about this. They did not call me back at first. I keep calling until I talked to someone, and after they asked me to have my bank manager write them the attached letter and fax it to their “Administrative Office” at 970-624-2781 for a decision. An office which does not take incoming calls I was told. The person that gave me the fax number then told me that I was wasting my time because since I choose to make the payment online, if the payment come out on the wrong date its my fault for using the online payment system.

I then asked for a letter stating this. She told me that was not possible if its not on one of Gmac’s letter “templates”. I asked for a letter that stated I requested a payment to be withdrawn from my account on June 20, 2008 and that was also impossible. I asked if anything she stated in the conversation could be sent to me in a letter, and she said that was not possible without approval by legal. Her name was Christy and phone number 316-652-6454.

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