I have had my home loan with GMAC since 2000. At their suggestion I refinanced in 2010 at a lower interest rate. I make all my payments on time, it's reflected correctly in my credit reports and I have had no problems with them. I might add that I have an assumable FHA manufactured home loan with them with an interest rate that is more than competitive had I tried financing through my credit union or my bank. I know this as I inquired prior to going with GMAC.
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GMAC was great for many years until my husband lost his job. We called for a loan modification and were told no problem, just send in some paperwork. We did, then waited. And waited. And waited. Called back and were told the paperwork was missing information. Re-sent through their online portal. Waited. Waited. Waited. Allegedly there was still paperwork missing. Went through submitting it again, only to be told it wasn't there. The portal was viewable on my end and their end, and all of the documents they were requesting were present, three times. I finally used Hardest Hit Fund and saved our home without GMAC. When they filed for bankruptcy and my loan was transferred to another servicer, I cheered.
I will never again do business with GMAC Mortgage.