LETTER SENT TO GMAC, October 6, 2012 (X’s for privacy) GMAC is the most difficult, irritating and uncaring company I have ever dealt with. If I have a question or a problem I can never speak with someone in the USA. You outsource all your calls to a foreign country. I usually get the Philippines where the language barrier is difficult, my problems or questions are not resolved, and I’m completely frustrated by the end of the call. To make matters worse, on October 2, you debited my checking account TWICE on the SAME DAY! 10/02/2012 LOANSERVICINGAUTOMATIC CO REF- XXXXX $1,XXX.XX 10/02/2012 LOANSERVICINGAUTOMATIC CO REF- XXXXX $1,XXX.XX This has caused a great hardship for me. Now I am low on funds for the rest of my monthly bills which will auto-debit soon. If I do not have funds available to pay them I will incur penalty fees. I request a refund check for the duplicate debit be deposited into my checking account or mailed to me IMMEDIATELY. I also expect GMAC to repay any fees I incur. I have always paid my own taxes and insurance but this year I set up an escrow account. Now you are bankrupt! This is a great concern for the safety of my escrow in your possession. I want to be in charge of my own money where I know it is safe. When I asked to remove the escrow I was told NO, it is impossible! And see what happens. You double dip into my checking account! And you expect me to trust you with my escrow funds. Nothing you say will remove my distrust of you. What I need right now is my $1,XXX.XX returned. And to remove my escrow account.