On June 26th 2006, I was trying to pay my mortgage online, but due to their website problem, I had to call and use a rep. First off, they wanted to charge me for using a rep when online is free. I believe a rep cost about $16 extra. After I explained that it was unfair to charge a customer when there webpage has a problem accepting payment, they removed the fee. Now to the real problem. I hadn't been able to check my account for 8 days. It was a Sat evening, bank was already closed once I was able. I inserted my atm card and found my balance had gone down over $800. Which I thought seemed about right. My mortgage payment was only $300. Since the rep said it only took 24-48 hours at the most to post, I figured by 8 days later it had definatly posted. I made a withdraw for almost all of the remaining funds to pay bills,groceries,etc. The biggest mistake I ever made. I recieved a call a week later to inform me that I was now behind and the payment I thought I had made was now a derogatory mark on my credit report. I asked about the payment I had just made and found out the rep had entered the right routing number but the wrong account number. The rep said he would just enter the correct account and remove the funds. I tried to explain that the funds were only avail for 1 payment now (as I had spent most of the money in the account thinking it had already been taken out). He kept explaining there should be enough for 2 payments if the first payment never went through. I spent an hour trying to explain to this moron the situation and why the funds were not there. He just couldn't understand. He goes on to state, 'it's not our companies fault you gave us a fradulent bank account number.' WHAT?!? More like your foreign representative got it wrong! Do they honestly think I can't remember my own 9 digit account number when half the digits are my phone number! They didn't have not 1 number right. Since I spent an hour trying to explain things over a dozen times with no results, I asked for a supervisor in America to help me. All I was asking for was maybe move one of the payments to the back of the loan to help me catch up now since I believe it is 50% their fault, or even give me a payment arrangment on the second payment. But furthermore, they need to take it off my credit. I shouldn't have to have a late payment mark on my otherwise perfect payment history over an error they made. I'm looking to refinance in a few months and it doesn't look good.I thought maybe a supervisor could understand the complicated situation. But the rep refused. After 15 min of arguing he put me on hold for about 20 min and came back stating there is no supervisor available, one would have to call me back. I refused, if they can't get an account number right certainly I'm taking a chance on them getting my phone number right. Something just told me that a call back was a bad idea so I argued for about 10 more min until the battery my cordless phone was about to die (yes, I was on the phone with them for that long), I had no choice but to accept the call back. Low and behold, its been 6 days and no call back. On a $25,000 loan, I pay 12 percent interest. That's a high price to pay for poor foreign customer service. I am now refinancing my second home loan from GMAC to Chase to combine them, as I have an 80/20. This is not the first time I have had to use their poor customer service. They make a 10 min phone call a very aggrivating hour and a half ordeal. Way to go GMAC keep up the bad work. That's what keeps reputable companies like Chase in business. Somehow along the way GMAC forgot that without comsumers, you have no business.