So, GMAC added and extra $31,998 to my loan in 2009 when they fraudulently pushed me into a Loan Modication while they ‘reviewed my account.’ Thius occured while I was current on my Forebearance Agreement Contract with National City the very first day GMAC took over servicing. After the forced loan mod, GMAC immediately sold it to Green Tree.

It is my allegation that they intentionally are hiding this interest. It is no where to be seen, but will show up when you or your inheritants try to pay off the loan.

Bottom Line: They know about this, and I dare say this is either a software issue or an accounting posting logic issue. My goal if their attorneys dare take me to court is to subpoena all the systems configuration management, system maintenance team records, research and development systems team records, and all related systems maintenance meeting minutes. The data entry folks Standard Operating Desk procedures and their systems manuals will also be needed, as well as the accountants who approved the posting logic.

Filed complaint with Consumer Financial Protection Bureau today. If I find out through discovery that anyone at GMAC or Green Tree did actually research this $64k ‘corporate advance’ and did not notify me, including my sole points of contact, I will file criminal charges pro se.

My greatest concern, as voiced to the CFPB today, is that the mortgage servicers have posted Capitalized Interest Arrearage twice in every since Loan Modifation across the country and then knowingly kept it. That is why they are protecting their data so strongly.

So, GMAC added an extra $32k just to my loan. I wonder how much extra they will steal (interest + the extra $32k) over a 40 year term. Not to mention all of the Loan Modifications which probably also have the the doubled interest buried in. That means that every Loan Modification has an overstated starting balance, which affected the monthly payment, maybe the interest rate, and everything else down the line. Oh yeah, They have a lot to hide.

It took me, a CPA, beating on them for 2 1/2 years in every form of communication available except showing up on their door step because there was zero doubt GMAC was robbing me.

This, my friends, is ripe for discovery and a Major Class Action Lawsuit. I believe it will happen.

That means my loan modification was based on a very overstated balance. all of the fees they charged while I had a new contract were wrong.