I decided to go on line switch payment method and add my checking account. I made pmt one day after due date. In Dec a rep called said my Nov pmt was late. Not true. In processing pmt the finacial inst. failed to put 3 zeros in front of my checking account which caused it to come back invalid. They reported me late to credit bureau, yet told me they would try to expunge. NOW it is not off nor will they even do it claiming I was truly late and my fault aand they have no one in GMAC at all I can speak to who will fix this! HELP! I disputed it on my report but it is coming back verified! 129388a
 Comments (2) |
| 1. Written by GMAC Credit Fix BS on May 30, 2010 from warren, michigan, US It's sad to say because I work at General Motor's Headquarters, but GMAC's dispute process is 100% BS. I've seen GMAC and the dealership have disputes regarding money, but it's the consumer who is caught in the middle and will suffer the consequence. GMAC will indeed correct the problem on their end, but will NOT correct any credit reports. In fact, GMAC is very good at "NOT DOCUMENTING" these corrections, therefore, there's no audit trail to show they goofed. Good luck dealing with GMAC correcting your credit report for an alleged 30-day late. |
| 2. Written by Customer service on December 23, 2009 from -, -, PH Hi, I'm a rep at gmac, about over 30days past late on accounts we are going to need a valid dispute for that. Im not sure what online service you're pertaining to..would that be the gmac website or a billpay service?"processing pmt the finacial inst. failed to put 3 zeros in front of my checking account"?do you mean GMAC or a billpay service? On the first part you said you decided to go online and add checking account...Please call gmac csc and you can ask for quality assurance perhaps they can check if we have a good dispute for the over 30days late on your credit. If this was gmac's error then it can be corrected on your credit but if a 3rd party financial institution is involve then you may need to get a document from that bank to plce a note on the report that its not your fault. That way it may lessen the blow.Hope this helps.. |
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