I closed escrow on the sale of my house on 3-01-07. GMAC Mortgage automatically applied a $16+ Thousand dollar pre-payment penalty to the pay-off amount on my mortgage. My mortgage DID NOT have a pre-payment penalty. My escrow company, my originating mortgage broker and myself have now spent the last six days trying to get the money that was illegally misappropriated from my proceeds returned to me to no avail. It has now come to my attention that GMAC has engaged in the same practice on more than several other occasions according to my escrow company. This is tantamount to stealing, since GMAC has been aware of the problem for 6 days and has done nothing to rectify the situation. It has also come to my attention that not long ago, GMAC was also involved in a reverse mortgage scam, taking advantage of the elderly. Obviously, GMAC feels comfortable operating outside of the law.