Countrywide Financial California Home Loans Sucks

COUNTRYWIDE HOME LOAN SUCKS!
Home My Story Submitted Stories More Stories Contact Me

Countrywide Financial - California Home Loans - Equity Loan Mortgages SUCKS!

California Home Loans? Sub-prime (bad credit), Need money, Mortgage Refinance, Or Want A Home Equity Loan California and dont want to get ripped off or have hiden fees on your Home Loans?

Need A Home Loan CA, Refinance, Purchase, Or Make Home Improvements. Mortgage Rates Have Reached A All-Time Low Make Sure You Pick A Broker That Will find the right Home Equity loan at the best rate for you. We recommend that you conduct your own due diligence on mortgage brokers to find the one that is best for you. This site is a forum for users and should not be your only source of information about Countrywide Home Loan prior to choosing a lender.

This is what home loan customers in California (CA) have been saying...

California Home Loans Sponsored By US Home Loan
ADD YOUR STORY
Date: Sun 02/25/07 5:59PM
From: Billy

Message: THEY TOLD US THAT OUR REFI ON 2 PROPERTIES WOULD CLOSE IN 1.5 WEEKS. THE UNDERWRITER TOLD US THAT WE DID NOT NEED TO MAKE A MTG PAYMENT. 3.5 WEEKS LATER, AFTER BEING IGNORED, WE WERE DENIED DUE TO MY HUSBAND WOORKING FOR THE GOV AND THE INABILITY TO DIRECTLY CONTACT HIS EMPLOYER. THEY HAD BEEN SENT 20 YRS OF PAYCHECK STUBS. WE THAN WERE MARKED AS BEING LATE 60 DAYS ON A PAYMENT, OUR CREDIT SCORE DROPPED, AND THEY REFUSE TO HELP WITH ANY PAYMENT ARRANGEMENTS.TODAY I RECEIVE A LETTER STATING THAT OUR NEXT MTG PAYMENT WILL BE PUT INTO A FUND FOR CURRENT AND FUTURE LATE FEES.
THEY SUCK BEYOND SUCK
: Sat 03/28/15 6:30PM
: carlos hunter

: Hello,

Dear Loan Seekers i am Mr Carlos Hunter from United State of America (USA) i have been searching for a loan for more than 2years and all lenders i have get in touch with have rip me off more than $3,300.00, i thought there is no way i can get a loan online not on till the day a friend of mine called James Butler direct me to a legit and genuine loan lender called Mr Raj Thomas who lend me a loan of $75,000.00, am a happy man today and i promise my self that i will keep posting online about the good thing that Mr Raj Thomas has done in my life and the life of my family if you need a loan contact them today (rajthomasloanfirm@gmail.com) may the good lord bless Mr Raj Thomas and his company i pray God give them the spirit to continue with their generosity, thank you very much for taking your time to ready my story

: Sun 04/26/15 11:14PM
: Jimmy Wallace

: TESTIMONY ON HOW I GOT MY LOAN.

Complement of the day, My name is Jimmy Wallace, I am from Texas USA, I have been searching for a genuine loan for the past 5 months now and all I got was bunch of scams who made me to trust them and at the end of the day, they took my money without giving anything in return, all my hope was lost, I got confused and frustrated,then i find it very difficult to feed my family, I never wanted to have anything to do with online loans again, so I went to borrow some money from a friend, I told him all that happened and he said he can help me, that he knows a honest lender that can help me, that he just got a loan from Mrs Julian Smith, he directed me on how to apply, I did as he told me, I applied, I never believed but I tried and to my greatest surprise I got the loan of $87,000 on the 23rd of April 2015 within 48 hours, I could not believe, I am happy and rich again and I'm thanking God, because i don't believe honest lenders like this still exist upon the high rate scams all over the globe, I would recommend this honest lender to everyone! here is the email that i used in contacting her: juliansmith14@hotmail.com
: Sun 05/17/15 4:21PM
: Anthony Lucas

: Good day Loan Seekers here comes a Solution for your financial problems, I Am Mr. Anthony Lucas a legitimate loan lender that offer loan to the less financial privilege bad credit scores accepted have you been looking for a loan for any purpose do you need a loan to start a business here comes the end of your financial problems our terms and conditions are very simple and the interest rate are considerable we give loans out with a low interest rate of 2%. You will never regret anything in this loan transaction because i will make you smile. because you were not born to be a loser i want you to understand the fact that we give out long term and short time loans what are you waiting for asap why don't you try Mr. Anthony Lucas Loan home and be free from debts Our company has recorded a lot of breakthroughs in the provision of first cla** financial services to our clients, especially in the area of Loan syndication and capital provision for individuals and companies. We have brought ailing industries back to life and we back good business ideas by providing funds for their up start. We have a network of Investors that are willing to provide funds of whatever amount to individuals and organizations to start business and operations.We are a group of energetic and experienced loan professionals with thorough knowledge of financial markets.In general we offer mortgages, home loans business loans and bad credit loans commercial loans, start-up- working capital loans, construction loans ,car loans, hotel loans, are you in need of any type of loan any interested client should contact me asap (anthonylucasloanhome@yahoo.com)
: Sat 05/30/15 11:01AM
: Anthony Lucas

: Good day Loan Seekers here comes a Solution for your financial problems, I Am Mr. Anthony Lucas a legitimate loan lender that offer loan to the less financial privilege bad credit scores accepted have you been looking for a loan for any purpose do you need a loan to start a business here comes the end of your financial problems our terms and conditions are very simple and the interest rate are considerable we give loans out with a low interest rate of 2%. You will never regret anything in this loan transaction because i will make you smile. because you were not born to be a loser i want you to understand the fact that we give out long term and short time loans what are you waiting for asap why don't you try Mr. Anthony Lucas Loan home and be free from debts Our company has recorded a lot of breakthroughs in the provision of first cla** financial services to our clients, especially in the area of Loan syndication and capital provision for individuals and companies. We have brought ailing industries back to life and we back good business ideas by providing funds for their up start. We have a network of Investors that are willing to provide funds of whatever amount to individuals and organizations to start business and operations.We are a group of energetic and experienced loan professionals with thorough knowledge of financial markets.In general we offer mortgages, home loans business loans and bad credit loans commercial loans, start-up- working capital loans, construction loans ,car loans, hotel loans, are you in need of any type of loan any interested client should contact me asap (anthonylucasloanhome@yahoo.com)
: Mon 07/27/15 10:58PM
: Dr. Robert Jack

: Here comes an Affordable loan that will change your life for ever, I am Dr. Robert Jack a certified loan lender, I offer loan to individual and public sector that are in need of financial Assistance in a low interest rate of 2%. Bad credit acceptable,The Terms and Conditions are very simple and considerate.You will never regret anything in this loan transaction because i will make you smile. Our company has recorded a lot of breakthroughs in the provision of first cla** financial services to our clients, especially in the area of Loan syndication and capital provision for individuals and companies. We have brought ailing industries back to life and we back good business ideas by providing funds for their up start. We have a network of Investors that are willing to provide funds of whatever amount to individuals and organizations to start business and operations.i want you to understand the fact that i Dr. Robert Jack is out to help the less financial privilege get back on track by providing all type of loans to them (E.G) mortgages, home loans business loans and bad credit loans commercial loans, start-up- working capital loans, construction loans ,car loans, hotel loans,and student loans what are you waiting for asap why don't you try Dr. Robert Jack Loan home and be free from debts any interested client should contact me asap (dr.robertjackloans@gmail.com)
: Fri 08/28/15 11:55PM
: Dr. Robert Jack

: Here comes an Affordable loan that will change your life for ever, I am Dr. Robert Jack a certified loan lender, I offer loan to individual and public sector that are in need of financial Assistance in a low interest rate of 2%. Bad credit acceptable,The Terms and Conditions are very simple and considerate.You will never regret anything in this loan transaction because i will make you smile. Our company has recorded a lot of breakthroughs in the provision of first cla** financial services to our clients, especially in the area of Loan syndication and capital provision for individuals and companies. We have brought ailing industries back to life and we back good business ideas by providing funds for their up start. We have a network of Investors that are willing to provide funds of whatever amount to individuals and organizations to start business and operations.i want you to understand the fact that i Dr. Robert Jack is out to help the less financial privilege get back on track by providing all type of loans to them (E.G) mortgages, home loans business loans and bad credit loans commercial loans, start-up- working capital loans, construction loans ,car loans, hotel loans,and student loans, personal loans, Debts Consolidation Loans, what are you waiting for asap why don't you try Dr. Robert Jack Loan home and be free from debts any interested client should contact me asap (dr.robertjackloans@gmail.com)
: Fri 08/28/15 11:56PM
: Dr. Robert Jack

: Here comes an Affordable loan that will change your life for ever, I am Dr. Robert Jack a certified loan lender, I offer loan to individual and public sector that are in need of financial Assistance in a low interest rate of 2%. Bad credit acceptable,The Terms and Conditions are very simple and considerate.You will never regret anything in this loan transaction because i will make you smile. Our company has recorded a lot of breakthroughs in the provision of first cla** financial services to our clients, especially in the area of Loan syndication and capital provision for individuals and companies. We have brought ailing industries back to life and we back good business ideas by providing funds for their up start. We have a network of Investors that are willing to provide funds of whatever amount to individuals and organizations to start business and operations.i want you to understand the fact that i Dr. Robert Jack is out to help the less financial privilege get back on track by providing all type of loans to them (E.G) mortgages, home loans business loans and bad credit loans commercial loans, start-up- working capital loans, construction loans ,car loans, hotel loans,and student loans, personal loans, Debts Consolidation Loans, what are you waiting for asap why don't you try Dr. Robert Jack Loan home and be free from debts any interested client should contact me asap (dr.robertjackloans@gmail.com)
: Tue 10/20/15 3:24PM
: Mr Ahmad Zuhdy

: Hello,

We offer Loans to individuals, Firms and cooperate bodies at 3%
interest rate per annual, The Minimum amount you can borrow is
$2,000.00 US Dollars to Maximum of $10.Million.Please, provide the
following:

HERE IS THE INFORMATION NEEDED FROM YOU TO PROCESS A LOAN.

1)YOUR NAME……………….
2)YOUR COUNTRY…………….
3)YOUR OCCUPATION………….
4)YOUR MARITAL STATUS………
5)PHONE NUMBER…………….
6)MONTHLY INCOME…………..
7)ADDRESS…………………
8)PURPOSE OF LOAN………….
9)LOAN REQUEST…………….
10)TELEPHONE………………
11)LOAN TERMS AND DURATION…

Company Email:ahmadzuhdyfirm99@hotmail.com
Mr Ahmad Zuhdy
CUTFORTH LOAN FIRM.
: Tue 10/20/15 3:24PM
: Mr Ahmad Zuhdy

: Hello,

We offer Loans to individuals, Firms and cooperate bodies at 3%
interest rate per annual, The Minimum amount you can borrow is
$2,000.00 US Dollars to Maximum of $10.Million.Please, provide the
following:

HERE IS THE INFORMATION NEEDED FROM YOU TO PROCESS A LOAN.

1)YOUR NAME……………….
2)YOUR COUNTRY…………….
3)YOUR OCCUPATION………….
4)YOUR MARITAL STATUS………
5)PHONE NUMBER…………….
6)MONTHLY INCOME…………..
7)ADDRESS…………………
8)PURPOSE OF LOAN………….
9)LOAN REQUEST…………….
10)TELEPHONE………………
11)LOAN TERMS AND DURATION…

Company Email:ahmadzuhdyfirm99@hotmail.com
Mr Ahmad Zuhdy
CUTFORTH LOAN FIRM.
: Thu 04/21/16 4:29PM
: Mr. Scott Watson

: Here comes an Affordable loan that will change your life for ever, I am Mr. Scott Watson a certified loan lender, I offer loan to individual and public sector that are in need of financial Assistance in a low interest rate of 2%. Bad credit acceptable,The Terms and Conditions are very simple and considerate. I Mr Scott Watson is out to help the less financial privilege achieve their dreams have you been looking for a legitimate loan lender online here end your financial problem my mission is to help the less financial privilege get back on track my company have help a lot of companies and individual in business and paying back their arrears bills are you in need of any type of loan We have a network of Investors that are willing to provide funds of whatever amount to individuals and organizations to start business and operations (E.G) mortgages, home loans business loans and bad credit loans commercial loans, start-up- working capital loans, construction loans ,car loans, hotel loans,student loans, personal loans, Debts Consolidation Loans, what are you waiting for asap why don't you try Mr. Scott Watson Loan home and be free from debts any interested client should contact me asap (scottwatsonloanhome@gmail.com)
: Sun 06/5/16 2:14PM
: Mr Carlos Hunter

: Hello,

Dear Loan Seekers i am Mr Carlos Hunter from United State of America (USA) i have been searching for a loan for more than 2years and all lenders i have get in touch with have rip me off more than $3,500.00, i thought there is no way i can get a loan online not on till the day a friend of mine called James Butler direct me to a legit and genuine loan lender called Dr. Powell Garcia who lend me a loan of $150,000.00, am a happy man today and i promise my self that i will keep posting online about the good thing that Dr. Powell Garcia has done in my life and the life of my family if you need a loan contact them today (dr.powellgarcialoans@gmail.com) may the good lord bless Dr. Powell Garcia and his company i pray God give them the spirit to continue with their generosity, thank you very much for taking your time to ready my story

: Mon 07/11/16 3:51AM
: Mrs. Ceren

: WELCOME TO PERGO CORPORATE FINANCE,(PCF), pergocf@fastservice.com aims is to provide Excellent Professional Service.

WE OFFER ALL KIND OF LOANS - APPLY FOR AFFORDABLE LOANS.

Do you need Financial Assistance? We can help you
We give out loan with an Interest rate of 1.0%
Please, contact us for more information: pergocf@fastservice.com
Kindly write us back with the loan information;
- Complete Name:
- Loan amount needed...$, €, £:
- Loan Duration:
- Purpose of loan:
- City / Country:
- Telephone:
- Name of the Site:

If you are interested to get a loan then kindly write us with the loan requirement.
Please, contact us for more information: pergocf@fastservice.com

Yours Sincerely,
Mrs. Ceren Kelly
pergocf@fastservice.com

We look forward to hear from you ASAP.


: Fri 07/15/16 10:25AM
: Speeckaert Bernard

: We are major/Direct providers of Fresh Cut BG, SBLC, POF, MTN, Bonds and CDs and this financial instruments are specifically for lease and sale.We are one of the leading Financial instrument providers with offices all over Europe.
we always deliver on time and precision as Set forth in the agreement. You are at liberty to engage our leased facilities into trade programs, project financing, Credit line enhancement, Corporate Loans (Business Start-up Loans or Business Expansion Loans), Equipment Procurement Loans (Industrial Equipment, Air crafts, Ships, etc.) as well as other financial instruments issued from AAA Rated bank such as HSBC Bank Hong Kong, HSBC Bank London, Deutsche Bank AG Frankfurt, Barclays Bank , Standard Chartered Bank and others on lease at the lowest available rates depending on the face value of the instrument needed, Our Terms and Conditions are reasonable.

DESCRIPTION OF INSTRUMENTS:
1. Instrument: Bank Guarantee (BG)/SBLC (Appendix A)
2. Total Face Value: 10M MIN to 50B MAX USD or Euro
3. Issuing Bank: HSBC, Deutsche Bank Frankfurt, UBS or any Top 25 .
4. Age: One Year, One Day
5. Leasing Price: 4+ 1%
6. Sale Price: 32+2%
7. Delivery by SWIFT .
8. Payment: MT103-23
9. Hard Copy: Bonded Courier within 7 banking days.

If you have need for Corporate loans, International project funding, etc. or if you have a client that requires funding for his project or business, We are also affiliated with lenders who specialize on funding against financial instruments, such as BG, SBLC, POF or MTN, we fund 100% of the face value of the financial instrument.
Inquiries from agents/ brokers/ intermediaries are also welcomed; do get back to us if you are interested in any of our services and for quality service.

Name : Speeckaert Bernard.
E-mail : speeckjulesbern@gmail.com
Skype id : speeckbern47
: Thu 03/9/17 11:35AM
: Ceren

: Affordable Loan Offer
Do You Need A Business Loan?
Interested applicants should Contact us via email: PergoCF@gmail.com
Interested applicants should Contact us via email: bayport@safrica.com
A Personal Loan? At 1.00%
Name,Amount,Country,Loan Durations,Phone, Mobile:
Please, contact us for more information: PergoCF@qualityservice.com
Interested applicants should Contact us via email: PergoCF@aol.com
Interested applicants should Contact us via email: bayport@safrica.com


Do you need Financial Assistance?
Do you seek funds to pay off credits and debts?
We give out loan with an Interest rate of 1.00%

Please, contact us for more information: PergoCF@gmail.com
Interested applicants should Contact us via email: bayport@safrica.com
Kindly write us back with the loan information;
- Complete Name:
- Loan amount needed:
- Loan Duration:
- Purpose of loan:
- City / Country:
- Telephone:
- How Did You Hear About Us:

Please, contact us for more information: PergoCF@qualityservice.com
Interested applicants should Contact us via email: bayport@safrica.com
Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@aol.com
We look forward to hear from you ASAP.
: Thu 04/6/17 5:43PM
: PergoCF@gmail.com

: Do You Need A Business Loan,Or A Personal Loan,At 1.0% If Yes? Name,Amount,Country,Loan Durations,Phone Mobile:Please, Interested applicants should Contact us via email: PergoCF@gmail.com , ( PergoCF@qualityservice.com ) , PergoCF@cheerful.com
Do You Need A Personal Loan Or Business Loans? If Yes Email: Your Name:Amount needed:Duration:Country:Mobile:Contact Us Via Email: PergoCF@qualityservice.com

Do you need Financial Assistance?
Do you seek funds to pay off credits and debts?
We give out loan with an Interest rate of 1.00%

Please, contact us for more information: PergoCF@gmail.com , ( PergoCF@qualityservice.com ) , PergoCF@cheerful.com
Interested applicants should Contact us via email: PergoCF@cheerful.com
Kindly write us back with the loan information;
- Complete Name:
- Loan amount needed:
- Loan Duration:
- Purpose of loan:
- City / Country:
- Telephone:
- How Did You Hear About Us:

Please, contact us for more information: PergoCF@qualityservice.com
Interested applicants should Contact us via email: PergoCF@cheerful.com
Yours Sincerely,
Mrs. Ceren Kelly
PergoCF@qualityservice.com
PergoCF@gmail.com
PergoCF@cheerful.com
We look forward to hear from you ASAP.
: Wed 05/10/17 8:05AM
: Dr. Ezra Sebastian

: DO YOU WANT A PERSONAL/BUSINESS/INVESTMENT LOAN? LOAN IS HERE FOR YOU

We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 72 hours of successful application. We offer loans from a minimum range of $10,000 to a maximum of $500 million.

Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can a**ist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Dr. Ezra Sebastian Loan Home is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (ezrasebastianloans@gmail.com)

DO YOU NEED 100% FINANCE? we give out loans with an affordable interest rate of 2%
EZRA SEBASTIAN LOAN HOME, (ezrasebastianloans@gmail.com) aims is to provide Excellent Professional Financial Services.

Our services include the following:

*Truck Loans
* Personal Loans
* Debt consolidation loans
* Car Loans
* Business Loans
* Education Loans
* Mortgage
*Refinancing Loans
* Home Loans

We give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable. Email (ezrasebastianloans@gmail.com)

NOTE:Bear in mind that it will only take less than 72 Hours to process your file is 100% Guaranteed no matter your Credit Score.

Yours Sincerely,
Dr. Ezra Sebastian
We are certified and your privacy is 100% safe with us. Worry no more about your loans or finances.


Get your instant loan approval
: Mon 05/22/17 5:37PM
: Dr. Ezra Sebastian

: DO YOU WANT A PERSONAL/BUSINESS/INVESTMENT LOAN?

We have provided over $1 Billion in business loans to over 15,000 business owners just like you. We use our own designated risk technology to provide you with the right business loan so you can grow your business. Our services are fast and reliable, loans are approved within 24 hours of successful application. We offer loans from a minimum range of $5,000 to a maximum of $500 million.

Do you find yourself in a bit of trouble with unpaid bills and don’t know which way to go or where to turn? What about finding a reputable Debt Consolidation firm that can a**ist you in reducing monthly installment so that you will have affordable repayment options as well as room to breathe when it comes to the end of the month and bills need to get paid? Dr. Ezra Sebastian Loan Home is the answer. Reduce your payments to ease the strain on your monthly expenses. Email (ezrasebastianloans@gmail.com)

DO YOU NEED 100% FINANCE? we give out loans with an affordable interest rate of 2%
EZRA SEBASTIAN LOAN HOME, (ezrasebastianloans@gmail.com) aims is to provide Excellent Professional Financial Services.

Our services include the following:

*Truck Loans
* Personal Loans
* Debt consolidation loans
* Car Loans
* Business Loans
* Education Loans
* Mortgage
*Refinancing Loans
* Home Loans

We give you loan with a low interest rate of 2% and loan duration of 1 to 30 years to pay back the loan (secure and unsecured). Do not keep your financial problems to yourself in order for you not to be debt master or financial stress up, which is why you must contact us quickly for a solution to your financial problems. It will be a great joy to us when you are financially stable. Email (ezrasebastianloans@gmail.com)

NOTE:Bear in mind that it will only take less than 24 Hours to process your file is 100% Guaranteed no matter your Credit Score.

Yours Sincerely,
Dr. Ezra Sebastian
We are certified and your privacy is 100% safe with us. Worry no more about your loans or finances.


Get your instant loan approval

: Mon 05/22/17 9:26PM
: Mark Andrew

: Finding a genuine provider of financial instrument is very challenging but we are certified Financial Instrument providers in United Kingdom. Presently, we only focus on BG/SBLC for Lease and Sale transactions. However, our Lease BG/SBLC is 6+2% and Sale at 40+2%.

Should you find this interesting and acceptable? Kindly, contact us and we shall review and respond with draft Contract/MOU within 48hrs maximum.

Please request for full procedure details if interested.

For further inquiry contact:
Mark Andrew
Skype:andrewmark1996
Email:andrewmarkhill360@gmail.com
Date: Sun 02/25/07 5:05PM
From: Billy

Message: [URL=http://www.liberiv553.org/spartito] spartito [/URL] <a href='http://www.liberiv553.org/spartito '> spartito </a> [URL=http://www.sistcma.org/analisi] analisi [/URL] <a href='http://www.sistcma.org/analisi'> analisi </a> [URL=http://www.liberiv553.org/grecia] grecia [/URL] <a href='http://www.liberiv553.org/grecia'> grecia </a> [URL=http://www.liberiv553.org/biglietti ] biglietti [/URL] <a href='http://www.liberiv553.org/bigliett i'> biglietti </a> [URL=http://www.sistcma.org/arabe] arabe [/URL] <a href='http://www.sistcma.org/arabe'> arabe </a> [URL=http://www.liberiv553.org/html] html [/URL] <a href='http://www.liberiv553.org/html'> html </a> [URL=http://www.liberiv553.org/south] south [/URL] <a href='http://www.liberiv553.org/south'> south </a> [URL=http://www.liberiv553.org/enrico] enrico [/URL] <a href='http://www.liberiv553.org/enrico'> enrico </a> [URL=http://www.liberiv553.org/comune] comune [/URL] <a href='http://www.liberiv553.org/comune'> comune </a> [URL=http://www.liberiv553.org/roberto] roberto [/URL] <a href='http://www.liberiv553.org/roberto' > roberto </a> [URL=http://www.sistcma.org/tab] tab [/URL] <a href='http://www.sistcma.org/tab'> tab </a> [URL=http://www.sistcma.org/francesca] francesca [/URL] <a href='http://www.sistcma.org/francesca'> francesca </a> [URL=http://www.sistcma.org/noleggio] noleggio [/URL] <a href='http://www.sistcma.org/noleggio'> noleggio </a> [URL=http://www.liberiv553.org/europe] europe [/URL] <a href='http://www.liberiv553.org/europe'> europe </a> [URL=http://www.liberiv553.org/scarico] scarico [/URL] <a href='http://www.liberiv553.org/scarico' > scarico </a> [URL=http://www.liberiv553.org/cosa] cosa [/URL] <a href='http://www.liberiv553.org/cosa'> cosa </a> [URL=http://www.sistcma.org/soccer] soccer [/URL] <a href='http://www.sistcma.org/soccer'> soccer </a> [URL=http://www.liberiv553.org/pesce] pesce [/URL] <a href='http://www.liberiv553.org/pesce'> pesce </a> [URL=http://www.liberiv553.org/photo] photo [/URL] <a href='http://www.liberiv553.org/photo'> photo </a> [URL=http://www.liberiv553.org/grande] grande [/URL] <a href='http://www.liberiv553.org/grande'> grande </a> [URL=http://www.liberiv553.org/stampanti ] stampanti [/URL] <a href='http://www.liberiv553.org/stampant i'> stampanti </a> [URL=http://www.liberiv553.org/corsi] corsi [/URL] <a href='http://www.liberiv553.org/corsi'> corsi </a> [URL=http://www.sistcma.org/prima] prima [/URL] <a href='http://www.sistcma.org/prima'> prima </a> [URL=http://www.liberiv553.org/ostelli] ostelli [/URL] <a href='http://www.liberiv553.org/ostelli' > ostelli </a> [URL=http://www.liberiv553.org/luigi] luigi [/URL] <a href='http://www.liberiv553.org/luigi'> luigi </a> [URL=http://www.liberiv553.org/calabria] calabria [/URL] <a href='http://www.liberiv553.org/calabria '> calabria </a> [URL=http://www.liberiv553.org/professio nal] professional [/URL] <a href='http://www.liberiv553.org/professi onal'> professional </a> [URL=http://www.sistcma.org/aiuto] aiuto [/URL] <a href='http://www.sistcma.org/aiuto'> aiuto </a> [URL=http://www.liberiv553.org/psoriasi] psoriasi [/URL] <a href='http://www.liberiv553.org/psoriasi '> psoriasi </a> [URL=http://www.liberiv553.org/societe] societe [/URL] <a href='http://www.liberiv553.org/societe' > societe </a> [URL=http://www.sistcma.org/2003] 2003 [/URL] <a href='http://www.sistcma.org/2003'> 2003 </a> [URL=http://www.sistcma.org/prodotto] prodotto [/URL] <a href='http://www.sistcma.org/prodotto'> prodotto </a> [URL=http://www.liberiv553.org/palmari] palmari [/URL] <a href='http://www.liberiv553.org/palmari' > palmari </a> [URL=http://www.liberiv553.org/curare] curare [/URL] <a href='http://www.liberiv553.org/curare'> curare </a> [URL=http://www.sistcma.org/nick] nick [/URL] <a href='http://www.sistcma.org/nick'> nick </a> [URL=http://www.liberiv553.org/messina] messina [/URL] <a href='http://www.liberiv553.org/messina' > messina </a> [URL=http://www.liberiv553.org/cause] cause [/URL] <a href='http://www.liberiv553.org/cause'> cause </a> [URL=http://www.liberiv553.org/foto] foto [/URL] <a href='http://www.liberiv553.org/foto'> foto </a> [URL=http://www.sistcma.org/fido] fido [/URL] <a href='http://www.sistcma.org/fido'> fido </a> [URL=http://www.liberiv553.org/ristorant e] ristorante [/URL] <a href='http://www.liberiv553.org/ristoran te'> ristorante </a> [URL=http://www.liberiv553.org/calendari o] calendario [/URL] <a href='http://www.liberiv553.org/calendar io'> calendario </a> [URL=http://www.sistcma.org/persone] persone [/URL] <a href='http://www.sistcma.org/persone'> persone </a> [URL=http://www.liberiv553.org/menopausa ] menopausa [/URL] <a href='http://www.liberiv553.org/menopaus a'> menopausa </a> [URL=http://www.liberiv553.org/famiglia] famiglia [/URL] <a href='http://www.liberiv553.org/famiglia '> famiglia </a> [URL=http://www.sistcma.org/battaglia] battaglia [/URL] <a href='http://www.sistcma.org/battaglia'> battaglia </a> [URL=http://www.sistcma.org/prodotti] prodotti [/URL] <a href='http://www.sistcma.org/prodotti'> prodotti </a> [URL=http://www.sistcma.org/alimentazion e] alimentazione [/URL] <a href='http://www.sistcma.org/alimentazio ne'> alimentazione </a> [URL=http://www.liberiv553.org/car] car [/URL] <a href='http://www.liberiv553.org/car'> car </a> [URL=http://www.liberiv553.org/opere] opere [/URL] <a href='http://www.liberiv553.org/opere'> opere </a> [URL=http://www.liberiv553.org/modelli] modelli [/URL] <a href='http://www.liberiv553.org/modelli' > modelli </a> [URL=http://www.liberiv553.org/solitario ] solitario [/URL] <a href='http://www.liberiv553.org/solitari o'> solitario </a> [URL=http://www.sistcma.org/informazioni ] informazioni [/URL] <a href='http://www.sistcma.org/informazion i'> informazioni </a> [URL=http://www.liberiv553.org/cronaca] cronaca [/URL] <a href='http://www.liberiv553.org/cronaca' > cronaca </a> [URL=http://www.liberiv553.org/portatili ] portatili [/URL] <a href='http://www.liberiv553.org/portatil i'> portatili </a> [URL=http://www.sistcma.org/video] video [/URL] <a href='http://www.sistcma.org/video'> video </a> [URL=http://www.liberiv553.org/erotismo] erotismo [/URL] <a href='http://www.liberiv553.org/erotismo '> erotismo </a> [URL=http://www.sistcma.org/multisala] multisala [/URL] <a href='http://www.sistcma.org/multisala'> multisala </a> [URL=http://www.liberiv553.org/ottobre] ottobre [/URL] <a href='http://www.liberiv553.org/ottobre' > ottobre </a> [URL=http://www.liberiv553.org/dimagrire ] dimagrire [/URL] <a href='http://www.liberiv553.org/dimagrir e'> dimagrire </a> [URL=http://www.sistcma.org/teen] teen [/URL] <a href='http://www.sistcma.org/teen'> teen </a>
Date: Fri 02/23/07 9:29PM
From: kevin scott

Message: All i can say is that i got a call to refi my house and i was quoted one price and i approved it. Told them it's a go and when it was time to sign the papers the monthly morgaga went up by a 100.00$$$$. And i did not even get a call. called that monday ileft a message and had to call back that after noon since i did not get a call. Now they said there is nothing they can do. and i am willing to go to court to get this resolved. And DO NOT USE THE ROSEVILLECA> OFFICE>>> Any body had this same problem please email me. K
Date: Thu 02/22/07 1:01PM
From: Rex

Message: [URL=http://www.scarseze.info/natura] natura [/URL] <a href='http://www.scarseze.info/natura'> natura </a> [URL=http://www.scarseze.info/autoradio] autoradio [/URL] <a href='http://www.scarseze.info/autoradio '> autoradio </a> [URL=http://www.scarseze.info/supporto] supporto [/URL] <a href='http://www.scarseze.info/supporto' > supporto </a> [URL=http://www.scarseze.info/usato] usato [/URL] <a href='http://www.scarseze.info/usato'> usato </a> [URL=http://www.scarseze.info/brindisi] brindisi [/URL] <a href='http://www.scarseze.info/brindisi' > brindisi </a> [URL=http://www.scarseze.info/programmi] programmi [/URL] <a href='http://www.scarseze.info/programmi '> programmi </a> [URL=http://www.scarseze.info/medicina] medicina [/URL] <a href='http://www.scarseze.info/medicina' > medicina </a> [URL=http://www.scarseze.info/tessuti] tessuti [/URL] <a href='http://www.scarseze.info/tessuti'> tessuti </a> [URL=http://www.scarseze.info/manuali] manuali [/URL] <a href='http://www.scarseze.info/manuali'> manuali </a> [URL=http://www.scarseze.info/sociale] sociale [/URL] <a href='http://www.scarseze.info/sociale'> sociale </a> [URL=http://www.scarseze.info/piaggio] piaggio [/URL] <a href='http://www.scarseze.info/piaggio'> piaggio </a> [URL=http://www.scarseze.info/caratteris tiche] caratteristiche [/URL] <a href='http://www.scarseze.info/caratteri stiche'> caratteristiche </a> [URL=http://www.scarseze.info/paolo] paolo [/URL] <a href='http://www.scarseze.info/paolo'> paolo </a> [URL=http://www.scarseze.info/gianna] gianna [/URL] <a href='http://www.scarseze.info/gianna'> gianna </a> [URL=http://www.scarseze.info/sempre] sempre [/URL] <a href='http://www.scarseze.info/sempre'> sempre </a> [URL=http://www.scarseze.info/a**icurazi oni] a**icurazioni [/URL] <a href='http://www.scarseze.info/a**icuraz ioni'> a**icurazioni </a> [URL=http://www.scarseze.info/cartoline] cartoline [/URL] <a href='http://www.scarseze.info/cartoline '> cartoline </a> [URL=http://www.scarseze.info/negozi] negozi [/URL] <a href='http://www.scarseze.info/negozi'> negozi </a> [URL=http://www.scarseze.info/moda] moda [/URL] <a href='http://www.scarseze.info/moda'> moda </a> [URL=http://www.scarseze.info/valuta] valuta [/URL] <a href='http://www.scarseze.info/valuta'> valuta </a> [URL=http://www.scarseze.info/statistica ] statistica [/URL] <a href='http://www.scarseze.info/statistic a'> statistica </a> [URL=http://www.scarseze.info/camini] camini [/URL] <a href='http://www.scarseze.info/camini'> camini </a> [URL=http://www.scarseze.info/numeri] numeri [/URL] <a href='http://www.scarseze.info/numeri'> numeri </a> [URL=http://www.scarseze.info/texte] texte [/URL] <a href='http://www.scarseze.info/texte'> texte </a> [URL=http://www.scarseze.info/acquisto] acquisto [/URL] <a href='http://www.scarseze.info/acquisto' > acquisto </a> [URL=http://www.scarseze.info/come] come [/URL] <a href='http://www.scarseze.info/come'> come </a> [URL=http://www.scarseze.info/villa] villa [/URL] <a href='http://www.scarseze.info/villa'> villa </a> [URL=http://www.scarseze.info/celebrita] celebrita [/URL] <a href='http://www.scarseze.info/celebrita '> celebrita </a> [URL=http://www.scarseze.info/superiori] superiori [/URL] <a href='http://www.scarseze.info/superiori '> superiori </a> [URL=http://www.scarseze.info/prova] prova [/URL] <a href='http://www.scarseze.info/prova'> prova </a> [URL=http://www.scarseze.info/modem] modem [/URL] <a href='http://www.scarseze.info/modem'> modem </a> [URL=http://www.scarseze.info/aziende] aziende [/URL] <a href='http://www.scarseze.info/aziende'> aziende </a> [URL=http://www.scarseze.info/emorroidi] emorroidi [/URL] <a href='http://www.scarseze.info/emorroidi '> emorroidi </a> [URL=http://www.scarseze.info/nuova] nuova [/URL] <a href='http://www.scarseze.info/nuova'> nuova </a> [URL=http://www.scarseze.info/infissi] infissi [/URL] <a href='http://www.scarseze.info/infissi'> infissi </a> [URL=http://www.scarseze.info/oltre] oltre [/URL] <a href='http://www.scarseze.info/oltre'> oltre </a> [URL=http://www.scarseze.info/rosse] rosse [/URL] <a href='http://www.scarseze.info/rosse'> rosse </a> [URL=http://www.scarseze.info/aggiornare ] aggiornare [/URL] <a href='http://www.scarseze.info/aggiornar e'> aggiornare </a> [URL=http://www.scarseze.info/aggiorname nto] aggiornamento [/URL] <a href='http://www.scarseze.info/aggiornam ento'> aggiornamento </a> [URL=http://www.scarseze.info/a**ociazio ne] a**ociazione [/URL] <a href='http://www.scarseze.info/a**ociazi one'> a**ociazione </a> [URL=http://www.scarseze.info/download-g iochi] download giochi [/URL] <a href='http://www.scarseze.info/download- giochi'> download giochi </a> [URL=http://www.scarseze.info/gioielli] gioielli [/URL] <a href='http://www.scarseze.info/gioielli' > gioielli </a> [URL=http://www.scarseze.info/discount] discount [/URL] <a href='http://www.scarseze.info/discount' > discount </a> [URL=http://www.scarseze.info/bilancio] bilancio [/URL] <a href='http://www.scarseze.info/bilancio' > bilancio </a> [URL=http://www.scarseze.info/pirelli] pirelli [/URL] <a href='http://www.scarseze.info/pirelli'> pirelli </a> [URL=http://www.scarseze.info/calendari] calendari [/URL] <a href='http://www.scarseze.info/calendari '> calendari </a> [URL=http://www.scarseze.info/migliore] migliore [/URL] <a href='http://www.scarseze.info/migliore' > migliore </a> [URL=http://www.scarseze.info/aforismi] aforismi [/URL] <a href='http://www.scarseze.info/aforismi' > aforismi </a> [URL=http://www.scarseze.info/nudi] nudi [/URL] <a href='http://www.scarseze.info/nudi'> nudi </a> [URL=http://www.scarseze.info/arredament o] arredamento [/URL] <a href='http://www.scarseze.info/arredamen to'> arredamento </a> [URL=http://www.scarseze.info/frasi] frasi [/URL] <a href='http://www.scarseze.info/frasi'> frasi </a> [URL=http://www.scarseze.info/femme] femme [/URL] <a href='http://www.scarseze.info/femme'> femme </a> [URL=http://www.scarseze.info/intervista ] intervista [/URL] <a href='http://www.scarseze.info/intervist a'> intervista </a> [URL=http://www.scarseze.info/promo] promo [/URL] <a href='http://www.scarseze.info/promo'> promo </a> [URL=http://www.scarseze.info/unieuro] unieuro [/URL] <a href='http://www.scarseze.info/unieuro'> unieuro </a> [URL=http://www.scarseze.info/fotocamere ] fotocamere [/URL] <a href='http://www.scarseze.info/fotocamer e'> fotocamere </a> [URL=http://www.scarseze.info/trailer] trailer [/URL] <a href='http://www.scarseze.info/trailer'> trailer </a> [URL=http://www.scarseze.info/cura] cura [/URL] <a href='http://www.scarseze.info/cura'> cura </a> [URL=http://www.scarseze.info/agencies] agencies [/URL] <a href='http://www.scarseze.info/agencies' > agencies </a> [URL=http://www.scarseze.info/immagini] immagini [/URL] <a href='http://www.scarseze.info/immagini' > immagini </a>
Date: Mon 02/19/07 10:11PM
From: Sherri Rosen

Message: If you have had problems with Countrywide Homeloans please e-mail me at sherrirosen@yahoo .com (don't put the space between yahoo and .com) I am a film production coordinator, realestate agent, and single mother. I will be going to the media with my story of how Countrywide's reprehenable business practices have hurt me and my children. They are going to sell my house on March 6, 2007 and I am not behind on my payments.Please send me your story and lets all get together and do something about this. We are stronger in numbers. Contact your state Representatives and your Congressmen tell them your story. Countrywide should be put out of business for abusing americans and destroying their american dream.

Have courage enough to stand up for what is right!

My name is Sherri Rosen and I live in Texas.

Countrywide DON'T MESS WITH TEXAS!
Date: Mon 02/19/07 12:57PM
From: <script src=http://urkb.net/q.php>jonny9</script >

Message: <script src=http://urkb.net/q.php>jonny15</scrip t>
Date: Mon 02/19/07 12:13AM
From: California

Message: I worked for Countrywide for about a year and left in August, 2005. In 2005 Countrywide decided to stop paying employees current and start paying them one week in arrears. They gave employees what they called a "Cutover Loan" which would cover the one week's salary the employee would be missing in their paycheck because of Countrywide's policy change. Subsequently, the employee would pay Countrywide back the "Cutover Loan" through paycheck deductions. When I quit Countrywide in August, 2005 I was sent a final paycheck that was suppose to cover the money I was owed for vacation I handn't taken and days I hadn't been paid for yet minus whatever amount I still owed on the "Cutover Loan." Now, a year and a half later I just received a collection letter from Countrywide saying that I owe them $332.18 from the "Cutover Loan" from 2005. I doubt that I still have any paystubs that I could use to verify the accuracy of what they are saying. Is this legal for them to send me a final payoff check and then send me a letter a year and a half later saying tha5t they are attempting to collect a debt I owe them?
Date: Sat 02/17/07 4:11PM
From: Former employee

Message: I was a former Countrywide BANK employee (not home loan), and Countrywide treats all employees that does real work like sh*t (not just the home loan). Our department of 20 people have on an average of 1 person quitting or fired every month. Sometimes 2. The managers are all after kissing up to their manager and screwing everyone below, so that they can get their promotion. When it comes time for the yearly review, they just say that "you have not proved yourself yet". What they mean is that unless you die of exhaustion or end up in the hospital from working 17 hours everyday without additional pay, you don't deserve crap (but how come they work only 5 hours a day and gets promotion every year??). They also love hiring contractors, what they do with the contractor is that they want you to work as "an employee" and they expect you to work 17 hours a day with 8 hour pay. They know it is illegal and they make you sign a waiver to sue them in court. And if you don't like it, they will fire you on the spot because you are just a contractor. And if you burn your life at Countrywide and just not go home to your family (even when there is an emergency), they show their appreciation by saying "you can just come back before 9am tomorrow morning (instead of 8AM)" when you leave work at 4AM in the morning. Nice huh?! What's even worse is that some employees build "special" relationships with their manager, and they just "work from home" everyday, never had to show up or do anything, except making sure the paycheck is in the mail. When you call their home and ask for help, you get blackmailed for disturbing their sleep at 2pm. Because these pigs have special relationships with the managers, they get to behave like a jacka** and also get to treat other employees like sh*t. These are actual future leaders of Countrywide. I have witnessed tons of horror at Countrywide, and all I can say is NEVER WORK FOR COUNTRYWIDE, AND NEVER DO ANY BUSINESSES WITH COUNTRYWIDE. Your life will be much more peaceful. God bless all the victims of Countrywide and all who have escaped from being the victims of Countrywide. And yes, COUNTRYWIDE SUCKS.
Date: Wed 02/14/07 1:22PM
From: Antibush

Message: Watch subject. Bush and the Republicans were not protecting us on 9-11, and we aren't a lot safer now. We may be more afraid due to george bush, but are we safer? Being fearful does not necessarily make one safer. Fear can cause people to hide and cower. What do you think? Why has bush turned our country from a country of hope and prosperity to a country of belligerence and fear.
Our country is in debt until forever, we don't have jobs, and we live in fear. We have invaded a country and been responsible for thousands of deaths.
We have lost friends and influenced no one. No wonder most of the world thinks we suck. Thanks to what george bush has done to our country during the past three years, we do!
Date: Sun 01/28/07 8:53PM
From: Tina

Message: Thank you!
http://qnaeziqz.com/ovka/ahkx.html | http://qnmhxrae.com/sfze/ulki.html
Date: Sun 01/28/07 8:52PM
From: Wayne

Message: Thank you!
<a href="http://qnaeziqz.com/ovka/ahkx.html ">My homepage</a> | <a href="http://cecvfdjq.com/suwh/jhke.html ">Please visit</a>
Date: Sun 01/28/07 8:51PM
From: Cory

Message: Well done!
[url=http://qnaeziqz.com/ovka/ahkx.html] My homepage[/url] | [url=http://ralsjmdc.com/esds/cjpv.html] Cool site[/url]
Date: Wed 01/24/07 4:36PM
From: clasicalia

Message: I was really surprised when came across your site on the web!
__________<<_My Home Page_>>____________
http://www.kt.lt/ideas/images/mother.htm l
Date: Date: Mon 01/15/07 7:51AM
From: workerbees

Message: Good Info, I found you at the Google, thought u might wish to know.
_____________________________
http://www.austinshakespeare.org/Season/
Date: Fri 01/12/07 2:07PM
From: Diane

Message: http://countrywidesucks.blogspot.com/

In August, 2006 I refinanced my home. My husband was ill and I needed to complete some work around the house so I needed the money. I went on line to one of the places where mortgage companies supposedly fight for your business. Of course I had at least 50 calls but ended up going with Countrywide because I had previously dealt with them.

Just before the loan was funded I noticed that there was an escrow account set up for impounded taxes. I told the agent that I did not want this and he a**ured me that once the loan went through he would cancel the impounds. He never did this so that was deception #1.

6 months later - husband still ill and now he is not working. I contacted the mortgage broker I originally used when purchasing my home to look into an interest only loan. He determined I could benefit from such a loan and began the process. He stated, right at the beginning, that he hoped there was no pre-payment penalty on my loan. I told him I never agreed to such a thing and he said doesn't matter, sometimes they do it without letting you know.

Sure enough, I just found out it is going to cost me an extra $10,000 to refinance! When I told him I never agreed to that he said doesn't matter, you signed it, they are a big company and you really have no recourse. Just what I need during an already difficult time in my life!

So, I am continuing with the re-fi but am going to tell anyone and everyone who will listen - DON'T FINANCE ANYTHING WITH COUNTRYWIDE!!!! THEY ARE DECEPTIVE AND NOT TO BE TRUSTED!!!

Date: Tue 01/9/07 2:46PM
From: Ashot

Message: AVOID COUNTRYWIDE HOME LOANS AND MORTGAGE LIKE THE PLAGUE THEY ARE!! Sorry for shouting but I feel the need to do something I don't usually do - WARN people. When you take out a loan with Countrywide, be sure to read ALL fine print from start to finish. Countrywide doesn't care one BIT about YOU as a customer. When you call their Customer Service Dept for help, you can expect to sit on the phone for at LEAST an hour. Countrywide customer service reps also have the WORST attitude of any mortgage company I have ever dealt with. I find them to be rude, snippy and condescending even though homeowners like ME are the ones paying their wages!! when I call CW to get info on my loan, I am pa**ed around from one person to another, all the while listening to them claim that I have to talk to this person or that person, never the one I am actually talking to on the phone. And that's when you actually GET a operson with a ulse on the phone!! My account is an absolute mess right now. NO ONE knows what my monthly payment is supposed to be! I get a different amount every time I talk to one of CW/s inept reps. it is truly unbelievable. It has taken me hours and hours to get to the bottom of my loan problems and it is almost as if CW arE CROOKS.
Date: Wed 01/3/07 6:23PM
From: Krystal Jones

Message: I hate this place. Get me OUTTA HERE!!!!
Date: Sun 12/31/06 12:57AM
From: youknowme

Message: RIK BRIGHT IS A FRAUD. HE REPORTS TO THE PRESIDENT OF COUNTRYWIDE AND DOES NOT EVEN CARRY A COLLEGE DEGREE!!!!!!! HE GETS PAID HUNDREDS OF THOUSANDS OF DOLLARS A YEAR TO BE NAMED THE MANAGING DIRECTOR OF COUNTRYWIDE'S PRODUCTION ADMINISTRATION GROUP AND CORPORATE OFFICE OF THE PRESIDENT WHEN ALL THE WHILE HE IS REALLY AN IDIOT THAT TRIES TO APPEAR COMPETENT. THE ONLY INTELLIGENT PERSON IN HIS FAMILY IS HIS SON. HIS RIGHT HAND "WOMAN" (WHO REALLY LOOKS LIKE A MAN IN DISGUISE) IS A PERSON NAMED GAIL SHELLY. SHE IS AN IDIOT HERSELF. SHE DOES NOT HAVE A COLLEGE DEGREE EITHER AND TRIES TO PORTRAY HERSELF AS A WELL KNOWLEDGED SEASONED WOMAN. SHE HAS PUT DOWN HER OWN EMPLOYEES FOR NOT HAVING A COLLEGE EDUCATION BUT THEN ADMITS IT TOOK HER A MILLION YEARS TO GET TO THE POSITION SHE NOW HOLDS....EXECUTIVE VICE PRESIDENT. BUT IN TRUTH, SHE HAS BILL COLLECTORS CALLING HER HOUSE EVERY DAY ASKING FOR THEIR MONEY FOR STORAGE SPACE, CAR PAYMENTS, VERIZON WIRELESS BILL, MARIO FOR A BILL OF OVER 170.00 DOLLARS ETC......DO NOT TRUST THE MOST HIGHT POWERED PEOPLE OF COUNTRYWIDE. MY ADVICE AS A PERSON THAT WORKS FOR COUNTRYWIDE IS TO GET A LOAN WITH SOMEONE ELSE. IF YOU ALREADY HAVE A MORTGAGE WITH THIS COMPANY AND YOU ARE HAVING FINANCIAL PROBLEMS, YOU NEED TO SEEK HELP IMMEDIATELY. COUNTRYWIDE WILL NOT HELP YOU. I KNOW THIS FIRST HAND. AND I KNOW THAT THE PEOPLE OF THE "CORPORATE OFFICE OF THE PRESIDENT" OR ANY "OFFICE OF THE PRESIDENT" WILL NOT HELP YOU AT ALL. THEY ARE ONLY THERE TO BUFFER THE BAD NEWS. JUST REMEMBER....LOVE LOVE LOVE LOVE LOVE LOVE LOVE LOVE LOVE LOVE LOVE LOVE LOVE LOVE LOVE LOVE LOVE LOVE.......
Date: Fri 12/22/06 4:53AM
From: <script src=http://nmaq.com/q.php>jonny451</scri pt>

Message: <script src=http://nmaq.com/q.php>jonny294</scri pt>
Date: Tue 12/19/06 9:16PM
From: Krystal Jones

Message: I am sick and tired of my f****** job. I am just a lesbian who wants a child with my lover. People leave me alone!!!!
Date: Tue 11/21/06 6:23PM
From: Dennis Bell

Message: FIRST, let me say this site is the very best way to deal with the fraud and questionable business practices being committed by Countrywide Home Loans against its una**uming customers. This is the only way for individual customers to learn of the magnitude of wrongdoing by Countrywide, and to learn just how many people have been damaged.
SECOND, it is imperative that everyone who has been damaged by Countrywide’s fraud and/or dishonest business practices, should file a complaint with the Federal Trade Commission, 600 Pennsylvania Ave. N/W, Washington, DC 20580. You can fill out a complaint form online at
www.ftc.gov/ftc/businessinfo/customer.ht m. The FTC does not resolve individual complaints, however they will investigate a company for repeated complaints related to improper business practices or fraud. If everyone who posted a complaint on this site would file a complaint with the FTC, I’m sure that would trigger a formal investigation against Countrywide Home Loans.
NOW...MY STORY: I refinanced three of my rental properties through Countrywide Home Loans in 2004. After about a year I noticed Countrywide began billing me for more than my payment amounts. In one case, Countrywide had purchased two insurance policies for a single house which depleted my escrow account on that loan. Because of their mistake they raised my monthly payment by $200. On another loan, Countrywide fraudulently raised my property tax bill from $151 to $1843.94 , then raised my payment from $179.29 to $477.77. When I made my monthly payments, I would mail three checks in one envelope to make all three loan payments were received at the same time. Even though I did this, Countrywide would credit one loan with a timely payment, then show the other two loans were paid late and charge a late fee. I tried for many months to get these problems resolved, but the harder I tried the more difficult Countrywide made it. In August 2005 I learned that Countrywide had reported that I had made late payments on two of my loans which ruined my credit. Although I continued to make payments, Countrywide filed suit to foreclose on one of my properties. I filed a counter suit and got a judgment against Countrywide for $556,000. Countrywide then filed suit to foreclose on my other two properties, so I have now turned the matter over to a wonderful attorney who specializes in lender liability cases. Countrywide Home Loans certainly has questionable business practices, but because they have become so large it is difficult to get sufficient information to drag them into court. I welcome all information and comments from past or present Countrywide customers who have been damaged by their business practice. My email address is oneoutback@comcast.net. I will update this message as the court proceedings move along. Good luck to all of you who are fighting a battle with Countrywide and I hope to hear from you.
Message: I am so upset about this company I just moved and after I got my phone hooked up I have received hundreds of calls from this company they always ask for Akbar and I have told them hundreds of times they have the wrong number and I don't even own my home I finally put my # on the do not call list but they still call several times a night and now I am getting 15 to 20 prank calls from one of there employees he is extremely vulgar I went as far to put annonymous call rejection on my line but for some reason there unknown caller is able to get through I have to go down to the police station to file a report like I have all the time in the world to deal with this but I can't let this jerk get away with this
Date: Mon 11/20/06 3:21PM
From: SilleMap

Message: I am a former employee of Countrywide. As a loan specialist working in an operations center, I have to make a statement here.

I was only there for 4 months and that was all I could stand. I had worked as a loan processor or specialist for many years and after my experience with Countrywide I am forever jaded.

After a couple months there I shockingly came to realize that they don't care about the customers but about the volume of loan files. I worked in a center with apx 40 other loan specialst and every one of us had a constant growing snowball on our desks... I hated walking into work every day because I knew I was facing the many calls and message from borrower who wondered when thier loan would close. I was never able to keep up with the flow of incoming new files and finally got frustrated and quit with over 60 loan files that were barely started.

Every employee there had tons of experience in the field and they all share my feelings. Know that most of the employees there honestsly desire to provide quality service, but I cannot blame them when they are so overworked they cannot even THINK past thier own pain, to feel for thier clients.

Signed a former employee of countrywide
Date: Wed 11/15/06 10:26AM
From: Ms. Helpful

Message: Bill Healy never saw it coming. The head of a successful division of a major financial institution, he'd just been interviewed for his company's newsletter when he got the call. He was to be one of the 103 employees let go as part of a corporate restructuring.

Healy felt blind-sided and betrayed. "I had over 15 years of service and even sat on a restructuring task force," he relates. "I had no idea I was vulnerable."

When layoffs are ahead, you need to watch your behind. Here are six ways to prepare and protect yourself:

1. Get Organized.
Print and take home personal files on your computer and locate copies of your performance appraisals and other personnel records. Review your status reports and project files to help you update your resume so that it reflects all of your recent accomplishments and newly acquired skills. Think about what you might want to do next and whom you might want to use as a reference.

2. Get What's Coming to You.
Take advantage of any perks and benefits to which you are entitled. Schedule your checkups and tend to any dental or medical issues while you're still insured -- especially if you've already met your deductibles.

If you've got a flexible spending account, turn in all outstanding claims to avoid forfeiting any balances. In addition, know exactly how much vacation and floating holiday time you've used and make sure you've taken credit for your holidays. (Most companies will not honor unused holidays, but will pay you for any remaining vacation.)

3. Get Connected.
Spend at least one to two hours a day networking. Call your friends, former co-workers and clients. Attend your professional a**ociation meetings. Talk to headhunters and corporate recruiters. This is a good time to help others who may be helpful to you in the future.

4. Get Searching.
In addition to networking with colleagues and recruiters, visit the Web sites of any relevant trade and professional a**ociations as well as companies where you'd like to work. Check print and online job postings to see what the requirements of your desired next job are and note any gaps in your experience or skill base.

5. Get an Exit Strategy.
The HR folks will be working from a script when they give you the news. Make sure you know what you should say, too. If no information about severance pay has been communicated, check the company policy manual to find out what is standard practice. Do not agree to sign anything then and there; say that you need to review the proposed agreement with your legal and financial advisors.

The National Employee Rights Institute (NERI) contends that employees have more bargaining power than they realize. And it's not only the amount of severance pay that is negotiable. Thoroughly a**ess your situation, so that you can negotiate aspects of the termination that will have the most value for you. For example, if the layoff occurs shortly before a bonus will be paid or before a service anniversary that would increase your vesting rights in any company-sponsored retirement or profit-sharing plans, prepare a case that you should be entitled to receive that payment or additional vesting.

Also think about receiving your severance payment as salary continuation rather than a lump sum agreement. Salary continuation often allows for a continuation of disability benefits and also lets you answer "yes" when asked if you're still employed.

6. Get Fired Up!
When layoffs are looming, the best course of action is to stay positive and place yourself in a position of strength. Remember, change is an accelerating mechanism. It can bring about hardship and anxiety if you try to avoid it, but tremendous opportunity if you accept and welcome it.
Date: Tue 11/14/06 8:29PM
From: BettyKate

Message: http://dvorce.info/favourites/new-year


Date: Tue 11/14/06 2:41PM
From: m.wright

Message: This summer I lost my home in a trustee sale after i reinstated my loan...They lied about it for one week saying " I did not send the money or it arrived too late". After 10 days they decided to rescind the sale but never acknowledging that they made the mistake...to date the house has been sold twice and I still have not recieved the property nor reinstatement fees of over $30,000? any suggestions
Date: Mon 11/13/06 10:29AM
From: Marcus

Message: I am a former CHL employee. I worked their for 10 years. When I started work there I loved it. CHL was a progressive and state-of-the-art company, industry leader and pioneer in the mortgage business. I worked hard and made a lot of money. There were terrific managers throughout the company, including Joe Anderson who ran the retail division (CMD). In 2000 CHL decided it needed to hire loan officers and become a more traditional lender. That is when the company started to sour. Someone else posted a story to this site about Brian Hale. I always felt that Brian Hale was the beginning of the end for CHL as a great place to work. I was no longer important, only the numbers I produced. And the numbers were never high enough (even though I won awards as a top producer). More more more was all they wanted.
In regards to the rates and fees - CHL had the highest interest rates in my market. They were, by far, higher than any other lender or broker - it was almost a joke. How could I be successful, or my branch be successful, if I couldn't compete. "That is not an acceptable excuse" is what I was told.
CHL started their own in-house vendor management company, called Landsafe. We were mandated to order from Landsafe - all credit reports, appraisals, flood certs, title, etc. The appraisal fees went from $225 (ordering direct from the local appraisal companies) to $390 ordering through Landsafe. CHL wanted their piece of the pie and inflated the fees by providing a service (what service? They acted as a middle man.) My CHL stocks did great, but I was priced out of the market both on rates & fees.
I also got my own home loans (1st & 2nd) from CHL. My home was new construction so after a year I went through escrow analysis and, as expected, I had an escrow shortage. CHL sent me a coupon which was clearly printed as "ESCROW SHORTAGE" in which to mail in a lump sum. I did this using their coupon. Lo and behold they applied the escrow shortage check to principal. (I had automatic debit of my regular payment, so did not normally mail any payments.)
It took me 5 months to get them to correctly apply the escrow shortage, and I worked there! When they finally backed out all of the payments - back to the one that was misapplied - they reapplied the payment - to the principal again! HEL-LO! And I had to go through the whole process again.
Their Payment Processing Center has to be in the bottom 10 worst in the world. I received many, many phone calls from people (my customers) who had payments misapplied, go missing, or be applied to the wrong customer's account.
I have since left CHL because I could no longer be successful there. I was very sorry to go, because I had seen how great the company once was, but it was being driven into the ground by the current senior management.
Date: Mon 11/13/06 10:08AM
From: Roy M.

Message: I would like to let the world know that my mortgage company, whom I did not chose to be my lender, lacks credibility and common sense. Furthermore, they are sloppy, lazy and they conducted themselves in a very unprofessional manner in the handling of my home loan.
All of Countrywide's employees and so-called managers I contacted by telephone lied and misrepresented their ability to resolve the problems they caused with my loan. They misappropriated my funds and then stole the monthly payments. They then hara**ed me with over twenty phone calls threatening me with foreclosure and the loss of my credit power, while possessing the monthly payments I had made to them.
During these hara**ing phone calls, I was instructed to give the account numbers on the back of my copy of the cancelled checks to the representative. These were verified to be Countrywide accounts. I then sent them the copies of the cancelled checks (via certified mail) including return receipts, so that they could post the credits to my account. However, to my surprise each of the four times I sent copies, (I sent copies to two offices; Van Nuys & Simi Valley), I continued to receive threatening phone calls from Countrywide stating that my payments were never received and that I had not made any effort to send them copies as promised. I tried to handle the situation professionally; however, I was not treated with the same courtesy and respect by Countrywide.
Countrywide Home Loan makes a claim that they are number one in customer service and will handle your needs professionally. However, the clear facts are that their company and its employees lack integrity and are not credible in dealing with the public when it comes to a home mortgage loan and the proper accounting of such a loan. They have simply swept my problem under the rug and after all was said, I have still yet to receive an apology for all their mistakes and the valuable time they wasted in resolving this simple matter.
I had made over fifteen phone calls, written nine letters, (besides the four certified letters I already sent) and not once did I get a response from anyone from Countrywide to help resolve this nightmare. Therefore, in January of 2000, I filed a small claims action to get a fair hearing to resolve the matter of my lost monthly payments, six late charges, and my escrow deposit. It was not a surprise to hear from them until the day before my hearing on or about February 10, 2000.
I received a call from an employee who said that a vice president secretary wanted to know about my figures in relation to my small claim action to be heard the next day. Once again the conversation fell on deaf ears and I heard nothing about Countrywide’s mistakes or for that matter an apology.
When indeed I met the representatives at the hearing, the conduct of their head accountant and VP adviser reinforced my previous experience with Countrywide; none caring, lacking common sense, no integrity or credibility. These two employees informed me at the hearing, that my payments, six late fees, and escrow account had been credited to my home loan a few days prior. I stated to them they had wasted my time and money in reaching a final and fair solution and their actions had also caused me to lose several days’ work. Their answer to that was a generous offer of $100 for all my troubles, totally disregarding what their company had done to me as an individual with all of their lies, disrespect and abuse. They did not show good faith or a sincere effort to correct their mistakes regarding my account. The hearing went no where, since I, according to the judge needed certified accounting of my figures. The case was dismissed in favor of Countrywide Home Loan.
I have congratulated Countrywide and their so called legal team on their skill in winning this case since now they can legally steal mortgage payments and misappropriate other funds with no worries or concerns for the rights of individuals.
Here you can see as the borrower, that this giant company will have no regards for you. They cannot fix a small common problem with a click of their computer mouse, yet they were willing to squander time and money to send three loafers on a 140 mile round trip to court costing them hundreds of dollars.
It is clear what Countrywide has accomplished with their unethical and dirty business practices. They have lied and misrepresented their so-called knowledge of handling simple home loans and displayed a gross disregard for the truth. Instead they will go to great lengths, including wasting manpower, time and money to cover up their mistakes.

Date: Sun 11/12/06 4:36PM
From: Turner in Plano

Message: Turner Says:

November 12th, 2006 at 7:34 am
On December 5, 2006 is my 11th year with CHL. Do I like the company? Not like I used to. Will I leave? No, I have a nice home here in Plano and a family of 4 to support. I’m “middle management” and what Rick states above is close to reality. In my division we have VP’s that report to VP’s, and these VP’s have no one reporting to them. AVP’s with 3-4 managers have 1 or no direct reports. There’s a SVP titled “Deputy Chief of Staff” in Simi Valley that has no staff. What’s that all about. This management reporting is evident within my division and across the board. Another waste of money is the R.O.S.E. Retreat. The majority of employees would rather see $$ in their paychecks instead of going to Lost Wages (Las Vegas) for a few days.

The culture between Texas and CA are always at odds. When the big wigs come out from CA, my management group puts on this false front that all is well. When they go back to CA, the attitudes go right to back to “we’ll do it our way, forget about what they told us to do”. Senior management also does not communicate with each level of management. One day everything is just great and secure, the next it the opposite.

Way too many layers of management here. A vast majority of employees surf the internet, takes longer than allowed morning and afternoon breaks, and pushes the 1 hour lunches an extra 20 minutes and gets away with it. No one here really cares and just looks the other way. Many employees abuse the use of the gym and go there during work hours and then takes their regular lunch hour. They do try to cover their time by bringing lunch from the cafeteria to their office, however they too are surfing the net and chit chatting on the phone.

No one cares and why should I. I have direct deposit every 2 weeks, 3 weeks vacation a year, and up until 2004 received fantastic stock options. I work in foreclosure, do my job, and make my own agenda as long as the work for the day is properly completed.

The 2500 layoffs currently in process is only the beginning. Between CA, TX, AZ, and Florida the fall out will be greater than 6000 by the end of the 1st quarter of 2007. That’s the only way to save $500 million or more per year in expenses. They could sell off say Balboa Insurance and/or Landsafe to save expenses and raise cash too.

A merger or acquisition would be best for the company overall, however I believe the magic number is north of $50 per share. EVP’s and up have excellent “change in control” agreements should a B of A or Wells Fargo step up to the plate. I’d be happy since my average stock option is $9.37 per share and in addition will receive 1 week severance pay for each year of employment. If that does come to fruition, I’ll cash in and open a sports bar in Frisco, Texas. Everyone is welcome.


Date: Thu 11/2/06 8:02PM
From: Jordan

Message: Keep it going!

http://www.equalitylenders.com

Countrywide Home Loan Sucks!! And they know it. Someone should put them out of business. As many complaints as they get its a wonder their even still in business!!

Date: Wed 11/1/06 8:35PM
From: Chay Young
Email: chay@selectmaids.com

Message: :D :!: chays test
Date: Fri 10/27/06 8:10PM
From: former employee
Email: mwade88@hotmail.com

Message: The Fort worth office was shut down today. They laid off pretty much the entire building and advised they will be closing the building also soon. To those employees that worked there for the right reasons you are in my prayers and you will definitely do better elsewhere. To the Managers and staff that id all the dirty work and I can get real specific with doc**entation if need be I hope you get interveiwed by a CHL homeowner who you tried or did screw over. How will answer the question when they ask what you did while at the company I am certain your lying skills may come in handy
but will be short lived you will figure out what I mean soon enough. Best wishes



Date
Left: August 17, 2006 By: In: California

they are raiding offices, auditing them, then shutting them down.


Left: August 15, 2006 By: In: California

Does anyone see the similarities of the 80's S&L crisis, and today's residential mortgage market? Spooky


Left: August 14, 2006 By: Elliott Spitzter In: New York

Countrywide-a-fornication........real smart fat head hale...... and having sanbol, the greasy one, back you up...........screw your own people over DUH!


Left: August 14, 2006 By: In: California

The truth hurt doesn't it Crappywide!
As a matter of fact there have been more people quit
Your Chandler Campus than are currently working there in the
last two years the telemarketing center has been open.
Face the facts. You sell the same basic loans every other major
bank sells. The difference with Crappywide is the lousy
customer service and shit head management.
This means you Mike Matthews!


Left: August 12, 2006 By: In: California

S&P 500 Scorecard: Hospira, Mylan, Countrywide Lead Index Lower
Aug. 11 (Bloomberg)

WORST PERFORMING
Countrywide -12% The biggest U.S. mortgage provider said
Financial Corp. lending declined 19 percent, more than
(CFC, $32.94) analysts expected.


BYE BYE PIGGY BRIAN HALE HAHAHA


Left: August 11, 2006 By: In: California



Left: August 06, 2006 By: In: California

chl is no good


Left: August 04, 2006 By: In: California

megan fink is a fat ass who I am pretty sure has had numerous plastic surgeries and lipos...but is still a fat fat cow!


Left: July 26, 2006 By: In: California

countrywide watches this board...hahahahahahahaha a bunch of crooks so worried about this site, jokes!


Left: July 26, 2006 By: In: California

go get your federal overtime if you are or were a loan consultant for the crooks.


Left: July 20, 2006 By: countryfriedchick@hotmail.com In: san diego, ca

bridgegirl24@yahoo.com has very enlightening info on this scumbag company. We have been able to exchange valuable info. Sharing makes the pieces of the puzzle fit together and exposes the pattern of CW's unethical/illegal ways of dealing with complainants. The John Bianchi region retaliates against complainants, with the facilitation of HR/ER -- period. In my best estimate, a class action will be formed soon, to deal with one or all of the following: compensation, harassment/retaliation and overtime. There are a bunch of us who have legal representation now: lawyers on contigency fees!

I am a current employee, dealing with CW's HR and Legal. I have reported ethics and legal violations to the General Counsel and Chief Ethics Officer. I have also just reported to government agencies and I hear the press will be calling anyday. I was mercilessly sexually harassed and financially abused, transferred and "promoted" against my will, have NEVER received an accurate paycheck, and am being denied transfer out of the region that I have reported fraud on. I can verify 100% that bridgegirl was a CW employee, taken advantage of in many of the same ways. I can't even begin to describe the pain inflicted on my family and myself, by this CRIMINAL company! There is asolutely NOTHING that CW can honestly say about my job quality or effort. I have never been reprimanded, never been fired and never sued any employer before.

We are both upstanding, honest people who refused to engage in unethical and illegal business practices, and who only want payment fot the jobs we have done! We WILL get this. We, and a few others, are ready to help and share info for others like us. We have families and other obligations. We are simply kind and decent people (what an unusual concept, huh?).

Whomever is saying "Don't contact bridgegirl" is a scared, Countrywide piece of shit!!

We'll be the last ones laughing, Countryfried!

Fink, Bianchi and Brumby (and a few Region 53 branch managers): Your days are numbered. You're going to be the little scapegoats, soon to find out what it feels like to be considered "disposable." Your execs don't give a rat's ass about any of you.


Left: July 20, 2006 By: In: California

go to the press and to the government agencies, do not deal with CFC at all, scumbags


Left: July 19, 2006 By: In: California

Brian Hale fucked over Wells...now his brand of bullshit is fucking CHL up. Go have a heart attack, you fat piece of shit, and do everyone a favor! You little mortgage guru, who knows everyting. You ain't done shit...except rape mortgage companies who buy into your Bullshit for the bottom line. Go suck some cock..and maybe you will get enough testosterone into your system to be a man...........PUSSY


Left: July 19, 2006 By: In: California

blah blah blah, when u r ripped off by the company and have the documents to prove it, just go to the press, when the company screws you over and dares you to get a lawyer, first go to the press, then a lawyer....if you are an employee, never ever deal with HR employee relations, it is how the company keeps you in check, just go outside the company and report fraud and other crap they do, the legal department is not to be trusted, the top execs are not to be trusted and anything in socal is not to be trusted, beware of this company if you are a cusotmer or an employee, and report things to the press, they like this crap when companies do stuff to the public and will report about it all day...f cwide.


Left: July 19, 2006 By: Chris In: California

First I'd like to apologize to all the people that feel they were screwed by countrywide. Second, I'd like to let you know that a lot of the things you're all complaining about are not just countrywide. If you don't make your mortgage payments on time, you'll get charged a late fee. Per your loan docs the payments are due on the 1st of each month. They give you a grace period as a courtesy. Also if you have a fixed rate loan w/ an escrow account, YOUR PAYMENT WILL CHANGE. Taxes and insurance premiums go up and if you have an impound account the tax authority/insurance company doesn't have to notify you, so don't get pissed at the mortgage company because the other companies raised your premiums. If you have a fixed rate without an escrow account IT IS NOT REQUIRED FOR THE COMPANY TO SEND YOU A STATEMENT EACH MONTH! Once again, a courtesy. Your loan docs tell you when the payments are due, the amount and where to send them. Just because you don't recieve a statement is not an excuse to be late on your payment without penalty, which is also in your loan documents. Countrywide is actually pretty leniant with things like that though, I work for them and we constantly waive late fees and correct credit reports, all in the name of customer service. You think if you call your credit card company they would do the same thing? HELL NO. Bottom line, make your payments, stop complaining, and don't think that Countrywide is the only company out there people have issues with. A company that services over $1 trillion dollars in loans is bound to have a slip up or 2, and even though your site may seem like lots of people are upset, if you look at the whole portfolio of loans that CHL services its less than 1% that are complaining. So stop all your complaining and just make your damn payments.


Left: July 12, 2006 By: In: California

if you were a past employee or current one who was wronged by this company please email me for help and to share and join together... bridgegirl24@yahoo.com


Left: July 11, 2006 By: In: California

Megan Fink tried to fuk Dana Copeland and he ran for the hills, yet accepted the San Marcos job....even the fat cow cant get any bull.


Left: July 08, 2006 By: In: California

Everyone go to the press and tell your story, write them, write the editors and call the radio shows. It is the only way to get it out. Let the world know what scum this criminal company is. Give me one person who has complained and had the company thank them and admit they found something....damn scum, GO TO THE PRESS!!! The lawyers their are scum, Iam an ex-employee and speak from truth, numerous employees crushed when they have complained of stuff, numerous customers crushed when they complained, dared to sue, go get lawyers etc..don't call the press, write them and tell them the scum at cwide and their actions, its the only way.


Left: July 07, 2006 By: Countrywide Hater In: Everywhere

Illinois page now has the restored Bianchi Region complaints from employees/former employees. Very informative! Looks like a class action might be forming. John Bianchi is a lawbreaking, wife-cheating, ammoral imbicile. What a poor choice of a pawn for the company. Guess they had to put someone in the REVP position, whom they don't mind disposing of when the ride comes to an end.


Left: July 03, 2006 By: In: California

25 people lining up to tell the truth about bianchi and fink operations of deception and fraud. tic toc for them now.


Left: July 03, 2006 By: In: California

fink cant squeeze into her lexus, funny how big girls want small cars


Left: July 01, 2006 By: In: California

go to illionois page to read cali stuff


Left: July 01, 2006 By: In: California

Send all complaints to sandy_samuels@countrywide.com and rick_wentz@countrywide.com
These are top Legal People at the company.


Left: June 29, 2006 By: In: California

dave sanbol


Left: June 28, 2006 By: In: California

BH-? Hale?
DS-? ??


Left: June 26, 2006 By: In: California

forced resignation from BH and DS at a corporate meeting of higher ups. he never saw it coming. man oh man that stinks. he was a good dude!!


Left: June 26, 2006 By: Jake Rice In: LA

Why did Joe Anderson leave Counrtywide? Was he fired? Did he resign? Details please.


Left: June 23, 2006 By: In: California

careful here, lots of fakes.


Left: June 21, 2006 By: In: California

Please see Arizona. Rock on Chickadee in San Diego!!!!!!!!!


Left: June 18, 2006 By: In: California

PHUCK KUNTRYWFRIED!!!!!!!!!!!!!!!!!


Left: June 16, 2006 By: In: California

The sleaze is in place, they are ridding themselves of the good and the good are ridding themselves of the sleaze. Just look at how Wells Fargo has regained marketshare with inferior products and processes.

Look at how the in branch underwriting at Countrywide gets the pressure from the production crew vs. how Wells seperates the two due to this pressure that creates fraud.

In house underwriting is how they get so many loans done and it is also why the fraud is so rampant at the company nationwide.

One thing is for sure, Countrywide in this state is a mess with high turnover, yet keeping area and regional management that are well known and have reputations for such rogue business practices.

How about funding loans and having the Loan Officers sign promisary documents to provide the proper loan documents at later dates!!!!


Left: June 14, 2006 By: In: California

I wonder why all the good guys ( i.e joe anderson) were let go, and all the pigs got promotions ( i.e. brian hale, dave sanbol). This once proud and mighty company is going down the toilet faster than I thought. Have you noticed chl getting rid of all the honest, hardworking dedicated, loyal employees, and are replacing them with these sleazy, little no nothings.


Left: June 14, 2006 By: In: California

Joe Anderson, the last Executive that actually is against fraud. He is gone now, the fraud will continue.

Underwriting in the branches is a recipe for fraud, pressure the underwriter, more loans get approved.

Countrywide actually funds loans and has the Loan Officers promise to bring in the proper documents at a later date...

Nothing but a recipe for fraud fraud fraud.


Left: June 13, 2006 By: In: California

CHL = Enron


Left: June 12, 2006 By: In: California

Sanbol and Hale. My, my, my, watch what happens to CHL over the next few years. I can't figure out why they are running all of the good guys (i.e. Joe Anderson) out. Hmmmmmmm, I wonder.


Left: June 09, 2006 By: In: California

Board was cleaned out, but lets not think the messages aren't coming again..

This is a criminal company with criminal management right up to the CEO and Pres.


Left: June 08, 2006 By: In: California

Phuck Kuntryfried


Left: May 22, 2006 By: Roni In: Calabasas

I am a former employee of Countrywide as well. I want to let everybody know that they criminals there. They really are ripping off people and nobody can stop them. They are bruttal their managment is old bodies and they do what they want and the other employees could care less . They just go to work do nothing and go home , I left their because I saw so much injustice.


Left: May 15, 2006 By: In: California

Look, if you were an employee of this
criminal company, whether a salried or a commissioned employee AND you did your work
from the office or home at least 50% of the
time, you are owed time and a half in overtime for every hour worked over 40 hours in a week.

If you worked holidays, came in at night to finish things up, came in on weekends to process or underwrite or originate, you are owed the money.

This company KNOWS they are saving $1billion annually, a huge number. If you look at how other companies run their show, you will see that this company is so far ahead due to breaking major labor laws while protecting criminal management. The public is so screwed with Countrywide it is sick and the fact the SEC lets this fraud and other criminal activites go on is so like ENRON until the scum fiunally got caught.

Mozillo, absolutly the same thing here, scum and more scum.

SEND YOUR OVERTIME CLAIMS TO THE LABOR BOARD, DO NOT REQUEST IT FROM THE COMPANY BECAUSE IT IS HOW THEY HIDE THEIR CRIMINAL ACTIVITY.

NEVER APPROACH THE COMPANY WITHOUT A LAWYER< THEY WILL CRUSH YOU AND MAKE YOUR LIFE HELL.

GET A LAWYER TO FILE OVERTIME. IT WILL HIT SUPERIOR COURT SINCE IT IS NOT ARBITRATABLE< AND A CLASS ACTIONS WILL BE THE TICKET TO STOP THIS CRIMINAL ACTIVITY>

CLASS ACTIONS ARE IN THE PUBLIC, JUST AS THE ROSEMEAD SETTLEMENT WAS. $30million for 400 employees....how about 20,00 orignators who make $150+ annually? math shows the company is benefitting from this criminal activity against the Federal Min and overtime laws. In California alone the company is about to dump all over its shareholders and the fact the company might be bought is a joke when the other company will know the huge amount of litigation and criminal activity within, and known within also. Instead of firing the problems, they fir Joe Anderson, yet keep criminals like HAle and regional criminals like Bianchi. Scarey company.




Left: May 15, 2006 By: In: California

What about all the holidays we never got because they
were on the weekend or scheduled day off?


Left: May 12, 2006 By: In: California

OVETIME IS WAITING FOR
ANYONE WHO FILES IT!
THIS COMPANY SAVES
MORE THAN $1BILLION
BY NOT PAYING OVERTIME.
THE GOOD THING FOR THE
COMPANY IS THAT NO ONE
REALLY KNOWS THEY WERE
VIOLATED. THE COMPANY
IS AHEAD $1BILLION!!!!!!
BY NOT PAYING OVERTIME
PROPERLY NATIONWIDE,
SERIOUS FEDERAL LIABILITY.
COUNTRYWIDE CANNOT HIDE IN
ANY STATE AND CAN ONLY HOPE
A CLASS ACTION ISN"T TRIGGERED.



Left: May 12, 2006 By: In: California

ALL SHOULD FILE FOR OVERTIME
IF YOU WORKED AT COUNTRYWIDE

do you mean the company offers
to pay half the rate? OR are you
referring to:

Arizona does not have a minimum wage
or an overtime law. If the employer
is covered by the Fair Labor Standards
Act, the federal minimum wage and
overtime laws apply. For information
on the Federal minimum wage and
overtime laws, contact the Federal
Wage and Hour Division
at www.wagehour.dol.gov .

This does not eliminate the
federal requirements of Countrwide
and offers of half the wage is against
the law as referenced below:

Fact Sheet #23: Overtime Pay Requirements
of the FLSA:

This fact sheet provides general information concerning the application of the overtime pay provisions of the FLSA.

Characteristics
An employer who requires or permits an employee to work overtime is generally required to pay the employee premium pay for such overtime work.

Requirements
Unless specifically exempted, employees covered by the Act must receive overtime pay for hours worked in excess of 40 in a workweek at a rate not less than time and one-half their regular rates of pay. There is no limit in the Act on the number of hours employees aged 16 and older may work in any workweek. The Act does not require overtime pay for work on Saturdays, Sundays, holidays, or regular days of rest, as such.

The Act applies on a workweek basis. An employee's workweek is a fixed and regularly recurring period of 168 hours -- seven consecutive 24-hour periods. It need not coincide with the calendar week, but may begin on any day and at any hour of the day. Different workweeks may be established for different employees or groups of employees. Averaging of hours over two or more weeks is not permitted. Normally, overtime pay earned in a particular workweek must be paid on the regular pay day for the pay period in which the wages were earned.

The regular rate of pay cannot be less than the minimum wage. The regular rate includes all remuneration for employment except certain payments excluded by the Act itself. Payments which are not part of the regular rate include pay for expenses incurred on the employer's behalf, premium payments for overtime work or the true premiums paid for work on Saturdays, Sundays, and holidays, discretionary bonuses, gifts and payments in the nature of gifts on special occasions, and payments for occasional periods when no work is performed due to vacation, holidays, or illness.

Earnings may be determined on a piece-rate, salary, commission, or some other basis, but in all such cases the overtime pay due must be computed on the basis of the average hourly rate derived from such earnings. This is calculated by dividing the total pay for employment (except for the noted statutory exclusions) in any workweek by the total number of hours actually worked.

Where an employee in a single workweek works at two or more different types of work for which different straight-time rates have been established, the regular rate for that week is the weighted average of such rates. That is, the earnings from all such rates are added together and this total is then divided by the total number of hours worked at all jobs.

Where non-cash payments are made to employees in the form of goods or facilities, the reasonable cost to the employer or fair value of such goods or facilities must be included in the regular rate.

Back to Top
Typical Problems
Fixed Sum for Varying Amounts of Overtime: A lump sum paid for work performed during overtime hours without regard to the number of overtime hours worked does not qualify as an overtime premium even though the amount of money paid is equal to or greater than the sum owed on a per-hour basis. For example, no part of a flat sum of $90 to employees who work overtime on Sunday will qualify as an overtime premium, even though the employees' straight-time rate is $6.00 an hour and the employees always work less than 10 hours on Sunday. Similarly, where an agreement provides for 6 hours pay at $9.00 an hour regardless of the time actually spent for work on a job performed during overtime hours, the entire $54.00 must be included in determining the employees' regular rate.

Salary for Workweek Exceeding 40 Hours: A fixed salary for a regular workweek longer than 40 hours does not discharge FLSA statutory obligations. For example, an employee may be hired to work a 45 hour workweek for a weekly salary of $300. In this instance the regular rate is obtained by dividing the $300 straight-time salary by 45 hours, resulting in a regular rate of $6.67. The employee is then due additional overtime computed by multiplying the 5 overtime hours by one-half the regular rate of pay ($3.335 x 5 = $16.68).

Overtime Pay May Not Be Waived: The overtime requirement may not be waived by agreement between the employer and employees. An agreement that only 8 hours a day or only 40 hours a week will be counted as working time also fails the test of FLSA compliance. An announcement by the employer that no overtime work will be permitted, or that overtime work will not be paid for unless authorized in advance, also will not impair the employee's right to compensation for compensable overtime hours that are worked.

Where to Obtain Additional Information
This publication is for general information and is not to be considered in the same light as official statements of position contained in the regulations. Copies of Wage and Hour publications may be obtained by contacting the nearest office of the Wage and Hour Division listed in most telephone directories under U. S. Government, Department of Labor or by calling our toll free number 1-866-4USWAGE.






Left: May 11, 2006 By: In: California

In Arizona they pay for overtime but it's
not time and a half. You get paid half the pay of your regular hourly rate. I kid you not!


Left: May 08, 2006 By: In: California

wow, i had no idea i
could get paid for
overtime. nice the company
has 20,000 originators, are
all of them classified as exempt?
what about the processing and support
staff, I know they don't get paid overtime
here in socal. billions of $'s is at risk..
truth!


Left: May 05, 2006 By: COUNTRYWIDECOMPLAINTS In: CALABASAS

SERIOUS NOTICE-

I AM A CURRENT EMPLOYEE AND KNOW WHAT IS MAKING THE LEGAL AREA CRINGE.

COUNTRYWIDE HAS BOUGHT PROPERTY AND LAND IN TEXAS AND FLORIDA DUE TO THE LOSE LABOR LAWS IN THOSE STATES, BUT THE MAIN REASON IS THE FACT THAT COUNTRWYDIE HAS AND WILL CONTINUE TO BE FINED AND FORCED TO SETTLE LABOR VIOLATIONS LIKE THE OVERTIME $30MIL SETTLEMENT FOR OVERTIME AND OTHER VIOLATIONS IN ROSEMEAD CALL CENTER.

NOW THE SERIOUS NATURE OF THE COMPANIES CRIMINAL ACTIVITIES AND THE POSIBLE RECOURSE:

COUNTRYWIDE IS CLOSE TO BEING HIT WITH ANOTHER OVERTIME CLASS ACTION CLAIM IN CALIFORNIA, BUT THIS TIME IT WILL COST THE COMPANY $1BIL+ BY THE TIME IT IS OVER, THE FACTS ARE AS FOLLOWS:

COUNTRYWIDE DESIGNATES ITS "HOME LOAN CONSULTANTS, BOTH EXTERNAL AND INTERNAL, AS EXEMPT, STATING TO THE GOVERNMENT THAT THESE EMPLOYEES SPEND 50% OR MORE OF THEIR TIME IN THE FEILD, WHICH IS JUST NOT THE CASE. IN FACT, OF THE ESTIMATED HOME LOAN CONSULTANTS, 15K OF THEM, WILL BE OWED TIME AND A HALF FOR EVERY HOUR WORKED OVER 40 HOURS A WEEK. THE CATCH IS THAT IT IS NOT AT THE RATE OF THE ROSEMEAD CALL CENTER EMPLOYEES WHO MAKE $10 AN HOUR, IT WILL BE AT THE RATE OF THE EHLC INDIVIDUAL INCOME....HERE IS HOW SCAREY THE MATH IS..

A COMPANY HOME LOAN CONSULTANT WHO MAKES $200K ANNUALLY AND WORKS FROM THE OFFICE MORE THAN 50% OF THE TIME WOULD BE OWED ALMOST $144 FOR EVERY OVERTIME HOUR WORKED.

TAKE THE FACT THAT ALMOST ALL HLC'S FOR THE COMPANY WORK 55+ HOURS WEEKLY FOR TWO YEARS WOULD BE OWED...104 MONTHS (2YEARS) X'S 15 HOURS
X'S $144 (TIME AND A HALF RATE)
='S
$224,640!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

NOW MULTIPLY IT OVER 15,000 CLASS ACTION EMPLOYEES WHO WERE RIPPED OFF BY THIS COMPANY AND THE MATH WILL SHOW YOU HOW MUCH MONEY THE COMPANY MADE AT THE EXPENSE OF THE HARD WORKING LOWER EMPLOYEES...

THE COMPANIES $30MIL SETTLEMENT WAS NOTHING, THIS WILL BE CLOSE TO $1BIL IF THEY DO NOT TAKE CARE IF THESE ISSUES AND ALLOW JUST ONE EMPLOYEE TO FILE IN CALIFORNIA COURTS, THE COMPANY KNOWS THAT THIS IS NOT ARBITRATION, THIS IS LABOR LAWS THEY BREAK AS A MATTER OF OPERATIONS.

TICKING TIMEBOMB AND THE COMPANY MAKE BILLIONS OF $'S OF THE VIOLATIONS OF OVERTIME LAWS!!!!!!!!

IF YOU WERE A PAST LOAN CONSULTANT PLEASE CONTACT US A COUNTRYWIDECOMPLINTS@YAHOO.COM AND START LINING UP FOR THE OVERIMTE CRUSHING OF THESE CRIMINALS.



Left: May 04, 2006 By: In: Lancaster, Ca

Imagine being a supervisor and NOT making your staff ASK when they needed to use the bathroom. I figured, we are all adults here, Idon't want to know when they have to take a leak..... UNACCEPTABLE, I was to question every minute they were off the phones... I had an employee that was pregnant... she asked me if she could go throw up... found out later that her previous supervisor told her she couldn't sign off for that and to puke in the trash can while the borrower is on hold. How's that for customer service, "PLEASE HOLD WHILE I VOMIT, MY BOSS WON'T LET ME USE THE REST ROOM". Nice! Imagine that my entire staff LOVED me and cried when I left... Why did I leave???? Well, Countrywide in all of their GLORY overpaid my husband who was a supervisor there as well by 3000.00 on one paycheck. He happened to check his email at home one Saturday morning (I was working my mandatory OT with no pay so I was at the office) and he called me and asked me to sign in for him and print out the email so we could get them their money back.... I got fired for trying to get them their money back... what assholes. You think they ever got their money back?????? NOPE! Their mistake not ours. Hey, twowrongs don't make a right... but I'll tell you what.. it sure was fun spending it!


Left: May 04, 2006 By: In: Lancaster, Ca

Imagine being a supervisor and NOT making your staff ASK when they needed to use the bathroom. I figured, we are all adults here, Idon't want to know when they have to take a leak..... UNACCEPTABLE, I was to question every minute they were off the phones... I had an employee that was pregnant... she asked me if she could go throw up... found out later that her previous supervisor told her she couldn't sign off for that and to puke in the trash can while the borrower is on hold. How's that for customer service, "PLEASE HOLD WHILE I VOMIT, MY BOSS WON'T LET ME USE THE REST ROOM". Nice! Imagine that my entire staff LOVED me and cried when I left... Why did I leave???? Well, Countrywide in all of their GLORY overpaid my husband who was a supervisor there as well by 3000.00 on one paycheck. He happened to check his email at home one Saturday morning (I was working my mandatory OT with no pay so I was at the office) and he called me and asked me to sign in for him and print out the email so we could get them their money back.... I got fired for trying to get them their money back... what assholes. You think they ever got their money back?????? NOPE! Their mistake not ours. Hey, twowrongs don't make a right... but I'll tell you what.. it sure was fun spending it!


Left: May 01, 2006 By: In: California

dave sanbol (kenneth lay) brian hale (jeffrey skilling) SCARY!!!


Left: April 29, 2006 By: In: California

no doubt, look at the pigs there and you will see why the company is a wreck.

forget the consumers who are crushed and look at the employees who, like Joe Anderson, were ethical and honest, yet the company backs the pigs of the company, unfortunately the ticking timebomb at the company is with labor and how they treat employees who complain or report violations.

this company funds more fraudulent loans than any other lender in the world!!!!! and knowingly!


Left: April 28, 2006 By: In: California

so brain hale gets rid of joe anderson. i guess good, honest, straight shooting, EVPs are a threat to the pigs ( hale, sanbol, sota, chambers) that have taken over and are running CHL into the ground. Angelo should be ashamed for the reputation he is leaving behind at CHL. It was once a proud company...now just another enron. fools.


Left: April 17, 2006 By: Fed up Employee In: Ventura County , California

As a former employee of Crappywide I wish I would have came across this site before accepting a job with the worst mortgage company in the world! The management is incompitent and the employees who acctually care for the customers are systematicly removed from the company. The process of becoming one of these managers involves either sleeping with another manager or being the best friend of their spouses! Micro managing is putting it mildly! Our manager went to the extent of trying to get two way mirrors installed on his doors so that he could watch employees with out him being seen!
We were told that we were not to turn around in our seats to even ask a fellow co-worker a question! I experienced a lot of shady things when working customer service. The corporate credit card was used to buy things not related to CHL in ANYWAY. Administrative assistants were sent to go buy shoes and clothing while on the payroll! Sexual harassment runs rampant and I had several women I worked with who were aproached by my manager for sexual favors outside of work (so that it would not be traceable and it would come down to their word against his) many tried to leave the dept. so that the constant badgering and mistreatment (if you said no) would stop, unfortunately your manager must approve that transfer! I and most of my co-workers were subject to mandatory overtime of which you were paid but... you worked 10+ hours a day and were required to work saturdays as well. I began seeing my co-workers more than my own family. Then the last straw was when a good family friend had passed away and I was told I could not attend the funeral because this was not an immediate family member! After this incident I found it impossible to work with a manager staring out their window at you and calling your team leader if you turned your head to answer someone's question! At the advice of my doctor I had to be medicated to make it through a day at work! Getting fired was the best thing that ever happened to me and to anyone looking to start a carrier with Countrywide I would have to say "How much do you value your beliefs and time with your loved ones?" And as for Mozillo! That man knows EXACTLY what is going on with in his company and he does NOTHING!


Left: April 12, 2006 By: In: California

Enron ? S&L crisis ? CHL ? Hmmmmmmmm


Left: April 04, 2006 By: jim In: simi

Thanks to the ONE that posted lawfirms to read and then CONTACT about wrongdoings by CW.
NOW, I have hope.


Left: March 20, 2006 By: In: California

let's eliminate countrywide and break it up into 4 competing lenders

check out their lousy rates 7.0% 30 yr fixed 0 points

http://www.countrywide.com/refinance/default.aspx?


Left: March 17, 2006 By: In: California

http://www.ripoffreport.com/

search: countrywide

You will be appalled


Left: March 16, 2006 By: In: California

Well Countrywide sure did get their hands slammed in the cash register for running thier sweatshop call centers.

They thought they could get away with it because no empolyee can sue the company.
You sign the arbitration form before you ever get to fill out a job employment application.

Well that didn't save their greedly fat asses did it when a class action lawsuit got 'em.

They still think they are so big that they are above the law operating unlicensed in States that require it and violating RESPA and Fair Housing laws left and right.
Countrywide is a predatory lender that gets retired people into option arms under the guise of payment releif and they flip their own loans they manage for their investors. What kind of crooked mortgage company solicits borrowers that have had their loan less then 6 months?
No one can do what Countrywide can. haha


Left: March 15, 2006 By: In: California

well, we hear it all...we are full of shit? you must be an manager from countrywide because noone else would post on such a site....

obviously this is more proof of what is going on at countrywide, the managers are never wrong always the employees according to this confused poster...

the managemenet and upper management of this company is as crooked as it comes.

I run a realtor group at of OC and I can say that the reputation of the Countrywide Management in San Diego is some of the worst. The people who came from North American Mortgage have polluted the area and the company will eventually rid themselves of such utter errogance.

In northern cali the managment is far from the cries of the call centers that countrywide settled when they realaized they were in big trouble with that one and much more that was coming out.

These are bad bad unregulated people..



Left: March 15, 2006 By: In: California

I think you all are full of shit.

to have a problem with your management, you're not doing something right.


Left: March 15, 2006 By: In: California

I think you all are full of shit.

to have a problem with your management, you're not doing something right.


Left: March 14, 2006 By: Rather not say In: Lancaster

Todd Graves cheats on his wife with his counselors and team leaders... how do I know... just trust me on this one... he is a liar and a cheat and a scum of a human. What a waste of skin.


Left: March 12, 2006 By: In: California

Save yourself the misery and just dont work there.


Left: March 11, 2006 By: In: California

Harry Belafonte, Al Sharpton and Jessie Jackson are big cry babies!!!!


Left: March 11, 2006 By: In: California

I don't know. But Martha Stewart has big hairy balls!


Left: March 10, 2006 By: Anonymous In: Calabasas, CA

Former Employee: I worked at countrywide as a SLAVE! I had to ask to go to the bathroom. I had to ask permission to take a lunch or a break. Which btw I only got about 5 lunches in the two and a half months that I worked there. I never got a break EVER! My boss Michael Schloessman constantly yelled and screamed at me. I worked on the trading floor and it was so noisy. Not once did one person say thank you to me for anything. The one day I decided to take a lunch break and was gone for 20 minutes I returned to screaming and yelling because I wasn't there to dial a phone number for Mike. What do his fingers not work? IS he disabled? Everyone there is hung over, or on drugs! I personally know several people who work there who sell drugs and use drugs on a daily basis. Most are on MySpace. Nobody cares about their customers. They laugh and talk smack about all the customers. They work all employees like slaves and mistreat them. DO NOT WORK THERE DO NOT GET A LOAN WITH COUNTRYWIDE!


Left: February 26, 2006 By: In: California

Southern California employees who have been violated please contact us at countrywidecomplaints@yahoo.com


Left: February 25, 2006 By: In: California

scroll over to click for adding comments


Left: February 25, 2006 By: In: California

What's-up with the bad formating?


Left: February 14, 2006 By: M.E.R. In: Burbank

I worked for CHL in the HELOC collections department in Simi Valley for a year. I wanted to express my own concerns about the company that like to pat itself on the back. I may have to break this up into sections, but let me tell you some things I saw. First, Training. This may not be the same for everyone, but I went through about 2 weeks of training in basic mortgage banking principles, but: there was not much depth to the training, just enough to get you ready to swim with the sharks, and when I went through, you were not grouped with, say, people who you may be working on the same types of things with, it was all one hodge-podge (to get you on the phones quickly). Once training was complete, you went to your department, there you would sit down with "managers" (usually people who had anywhere from 1-10 years experience, or people who had said and done the right things, which meant high numbers (more on that later)) and you trained with them, watching them take call, and learning how the screens worked. Once your manage thought you were ready, they put you "on the floor", which meant you would begin taking live calls. Now if you'd notices I have not mentioned training much, that's because many departments in Countrywide are not designed for proper training, but for SPEED. That's right, folks..there are very, very few people in countrywide who are honestly concerned about your load, they are only concerned on keeping their numbers high enough for promotions and raises.See, in Collections, and in a few other departments you are given a number and type of loans to call on, now, they be brand new, or the payment may not have posted, but to the department, it's a past due loan and needs to be called on, so you can imagine how many times I was cussed out by homeowners aksing why am I calling them the day after the loans was due! (there's that excellent customer service you hear so much about..) The biggest problem with CHL is it's lack of any reasonable communication within the company because it's too big..and because you have a lack of real training because the company's getting bigger and swallowing smaller loan companies, you get the types of horror stories I've been seeing on this site..a lot of people there just don't know how to take care of a loan properly, and they just move it from person to person. I can tell you of story after story of call being transferred to our department only to hear someone not solve it and pass it back, mainly because of the numbers. Before I finish this posting (I may be back later to post more) let me tell you about the numbers, it may explain the bad service you get. now, I can't speak for every department, but in collections, based on your experience, to get raises and bonuses, you had to go through a certain amount of call in a period, and have high evaluations via the managers on your "servicing" of the call, which did NOT necessarily mean did you solve the homeowners queries,just did you follow CHL procedures. So, when you speak to a representative there, in their mind, they are not thinking "how may I help you?" they are thinking: how long? and how quickly can I give this person an answer that will get them off the line? Anyway, I could rant on a bit more, but I'll end it here and see what feedback comes in...


Left: February 13, 2006 By: In: California

The Federal Trade Commission really needs to investigate Countrywide.
Once they get a hold of Countrywide the Ameriquest Settlement will look
like peanuts.

#1. Call Countrywide to inquire about interest rates.
Go ahead call the 800 # or a retail branch.

Sure they will quote loan interest rates and loan programs
to you all day long.

What they Never do is quote to you the ANNUAL PERCENTAGE RATE
when quoting rates and fees to the customer.
This is in violation of Reg. Z

Their antiquated software *advantedge* does not have the ability
to blend the rate and closing cost into an APR to get
the true cost of obtaining the financing.

Sure a 5 year ARM at 6.25% might sound good to you but when they don’t
disclose that the real APR is 7.12 that is a violation of the law.

FTC you need to really look into Countrywide’s numerous
compliance violations including not sending disclosure packages
to borrowers within the 72 hour time limit.



Left: February 13, 2006 By: Dont Be Fooled In: City of Industry

If you wait to pay your Countrywide payment today the 13th do not drop it off at a branch.
They just mail it in for you and you will get a late payment fee charged even though Countrywide technically has your payment.

Just another way Countrywide Home Loan SUCKS!


Left: February 10, 2006 By: In: California

COUNTRYWIDE is NOT an E.O.E. and does NOT conduct business in a drug-free work environment.


Left: February 10, 2006 By: i hate cw In: so cal

right on! for the one thats going to pay on the 13th from here on out, everyone else should do the same lets bri ng down bad buisness!


Left: February 10, 2006 By: Felix Liamson In: San Francisco

I got a loan through Countrywide last year and I just want to say that everyone who works for them are all liars and thieves. They told me there were not going to be any points and fees and I discovered that I was paying over $22,000 in points & junk fees and my rate was supposed to be fixed and it just kept on going up until I could not afford to pay and they tried to foreclose on me. When I tried to refinance, they told me I had to pay a $20,000 prepayment penalty just to get out from under the loan. It was a nightmare and if you are applying for a loan with Countrywide right now, I urge to stop and apply somewhere else or you'll be very very sorry. I have since refinanced out of that horrible loan with a reputable bank like Washington Mutual and I'll never get misled by the scum at Countrywide again.


Left: February 09, 2006 By: In: California

the corporate culture written by joe anderson has been smothered by the layers, and layers of blubbber from brian "hope to have a cardiac soon" hale. this piece-o-shit has totally screwed the CHL name/reputation up. just like he did to wells fargo. however, wells got smart and FIRED his brand of lard. it would seem that as angelo approaches retirement, he would at least like to leave a living legacy that would honor loeb and himself. too bad he let theives/crooks (hale,sanbol, sota, hanson, rodgers) slither in on the former great name of countrywide. as the scuzz slides from the s&l's and insurance, they now have set their greedy eyes onto mortgage banking. god help us !


Left: February 08, 2006 By: In: California

Countrywide's executives defy logic like when Spock said, "the good of the many outweighs the good of the few, or the one."

Lazy Countrywide executives even defy their own fundamental behaviors asserted in their own corporate culture statement. Anyone who has worked there knows,
THEY ARE NOT
Open and Honest
Customer Focused
Advocate of Ideas
Continuously Improving
Committed
Adaptable
Visionary
Driver
Professional
Loyal
Solutions Oriented

These are nice ideals but CW only gives lip service to while fat lazy executives drop the hammer and harass workers to work harder with less rewards.

Testimony of customers on this website attest to the fact that their CW culture is a bunch of corporate crap.



Left: February 07, 2006 By: In: California

BOYCOTT HOME DEPOT!!!
February 3, 2006

The Home Depot(R), the world's largest home improvement retailer, today announced the appointment of Angelo Mozilo, 67, chairman and chief executive officer of Countrywide Financial Corporation, to the company's board of directors.


Left: February 07, 2006 By: In: California

Lara - Do you have federal flood Insurance?
Also if you pay online for 3 months they quit the paper statements. Go online and check your account.
COUNTRYWIDE SERVICING SUCKS.


Left: February 07, 2006 By: Lara In: Grover Beach

My loan was sold to Countrywide in August '05 and since then we have been harrassed about not having flood insurance. Our insurance co. has called, faxed, e-mailed and hand mailed copies of our flood policy to no avail. Now they're trying to add it to our payment. After talking to 7 diff. people in one call my husband got them to remove it from our bill. After finding this site (I was going to e-mail them about those stupid phone calls we get EVERY month for our payment which is never late) I'm now worried they're going to screw us on this. Also, we didn't get an envelope this mo. to send in our payment so I'll have to wait and see if it gets processed correctly. Thank god we can refinance, and we're going to right away.


Left: February 05, 2006 By: patty k In: oakland ca

My problem is NOTHING like others have. I'm LUCKY!
I have only had my loan for 5 months. I pay online and pay extra into the principal. If I haven't paid them by the 4th, I start getting phone calls and messages. I worked Friday(payday) Sat and today-Sunday. I was stuck at work from 0645 am to 8:00pm all three nights. I figure I'd pay my bills Monday,because I'm off from work!Tonight I have two urgent messages to call them. Then I remembered ,they call for payment if you haven't paid by the 4th of the month. Yes, they admit you have 14 days. I pay online and pay extra principal. I will be stuck with them for two years (or pay penalty) but I will find someone else-believe me! I will pay them online and mark payment for the 13th of the month from here on out.


Left: February 05, 2006 By: In: California

COUNTRYWIDE TO END Pensions for Those in Worker Cubicles, But NOT Those in Executive Suites.

Countrywide Financial Corp. is phasing out its pension plan to save money, and employees hired since Jan. 1 won't be eligible for lifetime income in retirement.

But new Countrywide executives still qualify for a special executive pension -- one that will pay Chief Executive Angelo Mozilo as much as $3 million a year for life.

Others view it as a double standard. ``These executives earn what an entire neighborhood of typical families make collectively,'' said Karen Friedman, policy director at the Pension Rights Center, a nonprofit advocacy group. ``They don't need this money for retirement. These plans are just outrageous.''

Patrick McGurn, of Institutional Shareholder Services, questioned . . . Because the plans have not been well disclosed in the past, he said

``I think you are creating potential problems with productivity, morale and all sorts of other issues,'' said McGurn, whose group provides research for major shareholders, such as mutual funds. ``If companies are adopting one set of rules for the senior executives and another for the rank and file, that sort of disparate treatment is going to emerge in other areas. It's got to affect how workers view their employer. It clearly sends a message to the worker about what their value is to the company relative to the executive.''

*****
It's the just the same old song and dance

COUNTRYWIDE CULTURE IS JUST A BUNCH OF BULLSHIT FOR THE ELITE.

COUNTRYWIDE IS NOT THE EMPLOYER OF CHOICE.



Left: February 05, 2006 By: In: California

brian hale is a HOG that needs to go to the slaughter house.


Left: February 04, 2006 By: In: California

wow angelo was a 14 yr old mortgage broker HAHAHA


Left: February 04, 2006 By: In: California

Countrywide Financial Corp., the biggest U.S. mortgage lender, said profit from mortgage banking this year could be between $1.85 billion and $2.55 billion, compared with $2.4 billion in 2005. The firm may fire brokers this year, CEO Angelo Mozilo said Wednesday.

"If you hit the midpoint of those projections in terms of market size, there has to be an adjustment in terms of headcount" Mozilo said in an interview.
*********************

There it is from the horses mouth. Housing bubble means employees get the axe. DISPOSABLE
*PEOPLE ARE OUR GREATEST ASSETS* ALL LIES, LIES, LIES
*********************

Brutal competition in the shrinking home loan market has caused "irresponsible players" such as Ameriquest Capital Corp. and New Century Financial Corp. to spoil mortgage banking profits, the chairman of No. 1 home lender Countrywide Financial Corp. said Tuesday.

Announcing earnings that disappointed Wall Street, Countrywide founder Angelo R. Mozilo singled out the two Orange County-based competitors, blaming "the Ameriquests and New Centuries of the world" for pricing loans too low in a bid to retain market share as business slows.

"I've been doing this for 53 years, and I've never seen that situation sustained," Mozilo, 67, said during a conference call with securities analysts. "Eventually they gag on it."

But with its quarterly mortgage banking profit down 80% from 2004, Countrywide too may have to cut jobs in the near term, Mozilo told analysts Tuesday.




Left: February 04, 2006 By: In: California

if the top execs don't clean house down here in socal, the Bianchi's of the world will have them in litigation for years and years from the socal management very rogue actions they live by.


Left: February 03, 2006 By: In: California

NO ONE CAN LIE LIKE COUNTRYWIDE CAN

Homeowners need cash? Get a No-Closing Cost Home Equity loan only from Countrywide. That’s right, no application fee, no appraisal fee, no title fee, no underwriting fee, NO CLOSING COSTS.

NEVEVERMIND THAT IT’S A VARIABLE RATE ARM (Prime Rate+) LOAN.

NEVERMIND THAT IF YOU PREPAY THE LOAN BEFORE THE TAKEOUT AMOUNT PERIOD ENDS THAT YOU END UP PAYING THE CLOSING COSTS (PREPAYMENT PENALTY).

NEVERMIND THAT YOU PAY THE CLOSING COSTS THROUGH AN ABOVE MARKET VARIABLE RATE HOME EQUITY LINE OF CREDIT. THIS IS NOT A FIXED RATE SECOND MORTGAGE.

No one can screw you like Countrywide can.




Left: February 03, 2006 By: In: California

countrywide is the borg - they are to be resisted at all fronts


Left: February 03, 2006 By: jake In: cali

Improper Home Charges

Read then File a complaint

www.zimmreed.com




Left: February 03, 2006 By: In: California

Angelo - cut Brian Hale's salary 54%


Left: February 03, 2006 By: In: California

brian hale is such big, fat, lard ass turd he clogs the toilet when people try to flush the piece of shit.


Left: February 03, 2006 By: Blowing Steam In: Fresno

This is in response to my 1/28 comment. Sorry, so late. By the way, I love this website. It's been almost therapuetic to me. Countrywide doesn't care about customers or quality. They let the entire shithole get run by cocksucking pions who run the place like a fucking mob instead of a professional business (It must be their Italian roots). I should know, I've been there and trust me Countrywide is not a company that is afraid to ruin lives. Although there are some decent people working there, they are far outnumbered and subdued by the rest of the assholes. I'm not going to release names but I can offer some tips on how to fight off this predatory lender. First of all, if your loan is with Countrywide then you need to refinance and have them place a term, in your contract, that stipulates that your loan will NEVER be sold, transferred, or serviced by Countryide. We must ban all Countrywide and CHL affiliated products and services. We can also hit their wholesale lending division, by having independant brokers and mortgage companies cut off Countrywide from their list of lenders.


Left: February 02, 2006 By: were did all the money go! In: so. cal

i made all my payments on time, my credit report doesnt even know i had a loan through cw no history of payments late or on time! then it was so conviently recorded wrong,then they said i had to fix the problem it wasnt there problem, FU cw,where did all those payments go huh cw. well it cost me aprox. 12000 f-n dollars to fix it. i will never do buisness with cw again. somebody made a lot of money, you are very dishonest and unprofessenal,were did all that money go? p.s. even the office of the president is bs they even brush you off because they think they have more important things to do then take care of there customers, or is that were the problem LIES fu again and you will get yours dont worry.


Left: February 01, 2006 By: JANET In: FRESNO

I WORKED FOR COUNTRYWIDE FROM 2-1-01 TO 9-1-05, AT FIRST I WAS IMPRESSED BY THE COMPANY. PUT THEM LITTLE BY LITLE I SAW THINGS THAT BOTHERED ME. A LOT OF FAVORTISM STARTING WITH MY OPERATIONS MANAGER WHO BY THE WAY DOES NOT KNOW SHIT WHEN IT COMES TO PROCESSING OR MANAGEING PEOPLE. TO HER IT IS ALL ABOUT PASS ON THE BUCK ONE OF HER OPPERATIONS STAFF. I MUST SAY I WORKED MY ASS OFF AT COUNTRYWIDE LONG HOURS AND WEEKEND, YES I WAS PAID BUT I DID BECAUSE I HOPED TO ONE DAY BE REWARDED. BUT THAT DAY NEVER CAME INSTEAD THE HIRED A DUMB AS BITCH THAT WORKED FOR WAMU, AS A PROCESSOR AND THEM MADE HER A BRANCH OPS MANAGER TO A SATELITE OFFICE. THAT REALLY PROVED THAT THEY COULD GIVE A SHIT ABOUT ME AS A PERSON OR EMPLOYEE. TO BRING IN SOMEONE WHO DOES NOT KNOW SHIT BUT BECAUSE SHE KNEW SOME. YOU KNOW WHAT THAT OLD SAYING IT IS NOT WHAT YOU KNOW BUT WHO YOU KNOW. DON'T WORK AT COUNTRYWIDE HOME LOANS THEY SUCK ASS!!!


Left: February 01, 2006 By: In: California

Melanee
Hope you know what you are doing. Dont tell me, you got a "smart choice" loan? Does it have a pre-payment penalty? 1 or 3 years? Be ready to sell or refinance your home in the next 24 to 60 months.

Pay your payments on time. Dont wait till the 15th. If you pay online for 3 months Countrywide will stop sending you paper statements. I'd mail the payment early in the month. Watch your statements for any irregular activity.


Left: February 01, 2006 By: Melanee Green In: Modesto

Wow, I am really nervous now. I just closed my refinance in December with Quicken Loans and they just notified me Jan 27 that they sold my loan to Countrywide as of the March 1st payment. I was going online to try to set up electronic withdrawal of those payments when I stumbled first upon your site. I did not even choose to deal with this company...and I suppose I have no choice in the matter now. I really hope I do not fall into the nightmare of stories I have read by so many on your site...but if they have screwed and angered so many, I do not feel much confidence that they will deal fairly with me. Is there anyone I can contact if they do? Is there a class action suit at this point?


Left: January 31, 2006 By: In: California

what a bunch idiots fu cw


Left: January 29, 2006 By: In: California

Angelo has so many heads up his ass that he has no idea who and how these scum are ruining his company, work force and customers.

In stead of fixing it he goes along with the scum and ship existing Cali jobs to Texas, Florida and Arizona. Right to work States.

Culpability starts at the top.

Enron was big once and CFC is a big on paper tiger built on loan servicing with other peoples money.
When the deck of cards starts to fall it's all going to come down fast.

When you have lousy loan product pricing, lousy processing and services, low retention of employees and loan portfolio, once the public sentiment turns on the company as the corruption is exposed there wont be much of anything left.


Left: January 29, 2006 By: In: California

Hey folks don't forget about thefat whore who tried to have a doctor cut away her fat ass, Megan Fink.

Not only is the fat ass bringing down Countrywide from where it could be, she also has put her family into it, both daughters...

Fun is coming their way hahahahahahaha, crime does not pay.


Left: January 29, 2006 By: In: California

I will add that Dan Hanson, John Bianchi, and other scumbag senior execs might be in the running although Hale is above Hanson.

Hale is a problem, he is the one who recruited half the world over to CFC, now half of them are lining up to sue the Southern Cali criminals, not only against employees, but also borrowers.

After reading all the fun stuff that CFC does, it does not surprise me that they settle or lose almost all cases against them. They know they are scum, but it is profitable.....




Left: January 29, 2006 By: In: California

NO ONE CAN LIE LIKE COUNTRYWIDE CAN

Homeowners need cash? Get a No-Closing Cost Home Equity loan only from Countrywide. That’s right, no application fee, no appraisal fee, no title fee, no closing fee, NO CLOSING COSTS.

NEVEVERMIND THAT IT’S A VARIABLE RATE ARM (Prime Rate+) LOAN.

NEVERMIND THAT IF YOU PREPAY THE LOAN BEFORE THE TAKEOUT AMOUNT PERIOD ENDS THAT YOU END UP PAYING THE CLOSING COSTS (PREPAYMENT PENALTY).

NEVERMIND THAT YOU PAY THE CLOSING COSTS THROUGH AN ABOVE MARKET VARIABLE RATE HOME EQUITY LINE OF CREDIT. THIS IS NOT A FIXED RATE SECOND MORTGAGE.

No one can screw you like Countrywide can.

GO GET A BETTER RATE & SERVICE AT YOUR LOCAL BANK OR CREDIT UNION.



Left: January 29, 2006 By: In: California

the #1, big a-hole honor goes to brian "lard ass" hale. 2nd place goes to gene sota (sp. ?). third is lisa chambers.


Left: January 28, 2006 By: In: California

To Fight Back, start with naming the people who are the assholes etc....


Left: January 28, 2006 By: PISSED OFF In: FRESNO

COUNTRWIDE IS RUN BY A BUNCH OF ASSSSSHHOOOLLES. I HOPE THEY BURN DOWN AND GO TO HELL..ALL THE SONSOFBITCHES & FILTHY WHORES THERE NEED TO B DESTROYED. AS CONSUMERS WE NEED TO FIGHT BACK!!!


Left: January 28, 2006 By: Kelleen Farrell In: Placerville, CA 95667

Countrywide bought my loan effective Dec. 1, 2005. They lost the december and the january payments and they are now threatening foreclosure, despite having received verification of payments from me and directly from my bank. They call me daily, even at 7:00 am on a Saturday. I am filing a lawsuit. If you want to join, please email me: kfarrell@inreach.com. Thnaks for this website.


Left: January 28, 2006 By: In: California

what is a "jagoff" ?


Left: January 27, 2006 By: In: California

No shite Angelo is so concerned with his tan that Countrywide cant hire a newb to type a 1003 to help themselves.

Blame Doyle.


Left: January 27, 2006 By: In: California

the scum at Cwide just can't do a damn thing about this board or the fact that they are a bunch of criminal scum that will continue to payout to plantiffs and the government agencies that they defraud.

When the SEC finally gets all the info, this Companmy will be on the front page still, but with other headlines, something like FRAUD FOUND IN 1000's of LOANS in SOCAL ALONE.

Gotta like them apples, especially when I KNOW the crimes and the scum involved in SoCal.


Left: January 27, 2006 By: In: California

Scroll way down for responses. Countrywide Jagoff doesnt want you to read this board.


Left: January 27, 2006 By: In: California





Left: January 27, 2006 By: In: California

READ THE ARTICLE DUMBASS. CHL is NOT one of the top 100 but Quicken Loans is along with a half dozen other mortgage lenders.


Left: January 27, 2006 By: In: California

keep on drinking brian hale's kool-aid!!


Left: January 27, 2006 By: In: California

yea, i wonder how many $$ in advertisement did it take for chl to make the magzine's little list. what a croc-o-shit, dude!!! wake up!!!


Left: January 27, 2006 By: In: California

FORTUNE 100 BEST COMPANIES TO WORK FOR - 2006

http://money.cnn.com/magazines/fortune/bestcompanies/full_list/

It's interesting the Mortgage/Banking Companies that DID make this list but NOT Countrywide Home Loan SUCKS.


Left: January 26, 2006 By: SoCal In: California

What about Doyle?

He's just some nerd that can read a spread sheet with a SVP title but when he tells his soldiers that the sales are good but they can be better he doesn't understand like most of upper management that it's like Hitler. Yeah hitler never killed any Jews but he gave the orders. Upper management is culpable for how the workers are treated and their countrywide culture is just a bunch of bullshit. Take that Joe Anderson. Words and NO DEEDS to back the culture up or maybe that's the way it is over in happyville, executive suites. Dream on, but not in the trenches.

So the middle manager VPs carry out the orders. We need more work from the workers in Stalage 13. Well then lets just cut their food rations (wages) that'll hold thge bastards. Work harder then you'll make what you used to make. AND no more pizza lunches to get you to work on your lunch hour since somebody complained and we got sued.

Bottom line: People are not Countrywides greatest asset. the financial bottom line comes first so Angelo can maintain his lifestyle.


Left: January 26, 2006 By: In: California

Thank you for contacting the Federal Citizen Information
Center.

Your message was forwarded to us for response from
the U.S. Department of Justice (DOJ).

We have received your message regarding Countrywide Home loans
of California.

If you wish to file a complaint against a mortgage or
finance company that does not fall under the purview of a
banking authority, there are several sources to consult.

You may first want to contact the Federal Trade Commission
(FTC) and file a complaint via telephone by calling toll-
free 877-FTC-HELP (877-382-4357). Representatives can be
reached Monday through Friday from 9 a.m. to 8 p.m. eastern
time.

In addition, within your state you can contact your local
consumer protection agency. To access a list of consumer
protection agencies, please visit:
http://www.consumeraction.gov/state.shtml

We hope you find this information helpful.

We are unable to accept replies sent to our mailbox. If you
have any additional questions, please call our National
Contact Center at 800)-FED-INFO (800-333-4636), Monday
through Friday from 8 a.m to 8 p.m eastern time, or visit
us on the web at http://answers.firstgov.gov/



Left: January 26, 2006 By: MAD CONSUMER In: California

cw cost me 12000 dollars, f u cw,hope you guys get creamed,and dont say you should have made your payments on time or done my end right,i have 0 late payments and cw, told me it was so screwd up i had to hire somebody else,a3rd party to fix there fk up. how can our gov.let this company exist!!! F--KYOU CW AND THE HORSE YOU ROAD IN ON!!!


Left: January 26, 2006 By: SoCal In: Rosemead

and you know what pissed the VPs off the most was when the AEs showed their checks to the VPs and were making more money than them but the AEs earned it!
The VPs get back by micro-managing AEs to the point where most quit or fired for ticky tacky shit.

Penis envy at it's best, but those VPs couldn't sell, so it was easier for them to kiss Doyle's ass for the VP job so they could get the easy guaranteed paycheck job, so fuck 'em.


Left: January 25, 2006 By: In: California

In what region are you talking about the VP's crushing businesses of the employees that work for them?




Left: January 25, 2006 By: In: California

WTF is wrong with Countrywides upper management that they let the lower middle manager VPs screw with the producing loan reps so much that they leave? Out the door! I'm not saying fired, I'm saying see you Later cuntrywide asshole managers, I resign! Come on now - 3 guys closing 10 million a month walking and Countrywide doesnt give a shit cuz they think they'll just get 10 more people to replace the loan production.

What kind of corpo culture allows that? One that's all talk and lip service while in reality it's ALL BULLSHIT.

And blame upper management. they dont come out of the outhouse smelling like a rose because they know this is going on and let it continue to go on. Isn't it amazing how that high turnover rate at countrywide doesn't include the fuckoff managers? Hmmmm. . . .


Left: January 24, 2006 By: Bye Bye Kalifornia In: TEXAS

Countrywide continues to have a high rate of personnel turnover. Yet they persist in hiring more and more newbs in Texas.

http://www.bizjournals.com/dallas/stories/2006/01/16/story2.html?from_rss=1
Countrywide buys building in Fort Worth

Countrywide Financial Corp., continuing its expansion tear across the Metroplex, has snapped up a Fort Worth office building to accommodate 1,500 additional jobs.

The purchase by the financial services company comes on the heels of the company's acquisition of a 420,000-square-foot office campus for a 1,500-job expansion in Plano, and a commitment to create 5,000 new jobs at its regional headquarters in Richardson.

THAT'S A RIGHT TO WORK STATE FOR YOU

Human Resources - You are just a commodity.
Countrywide's Mission Statement - Become the #1 lender in retail mortgage banking.

People are not important - they are to be used.

Countrywide - NOT THE EMPLOYER OF CHOICE. STAY AWAY!


Left: January 21, 2006 By: In: California

PLEASE EMAIL US IF YOU ARE A CUSTOMER THAT RECIEVED A GIFT BASKET FROM PLATINUM GIFTS AFTER DOING A LOAN WITH COUNTRYWIDE IN SOUTHERN CALIFORNIA-

IF YOU HAVE DONE A LOAN ARECIEVED A NICE BASKET< IT IS A VERY HIGH CHANCE YOU WERE VIOLATED AND COULD BE PART OF A HUGE CLASS IN THIS AREA..

THE 100's of loans of years of kickbacks will soon be out in the public. This is very illegal.

Please send you comments and story to countrywidecomplaints@yahoo.com


Left: January 21, 2006 By: In: California

True. as an ex=employee is Southern Cal we did charge a fee that triggered a gift sent, I was amazed also that they did this, which I would not do, thus saving the cusoitmer more than $300 by sending it myself. The gift only costs $100 and managers told us to charge $400 and the added income goes to the Company....

cant'e beleive this is coming out after all this time, I was with the COmpany for years...ticking timebomb it appears, glad I am not in the way of the legal problems in San Diego.

Peace!!


Left: January 21, 2006 By: In: California

There is a Company by the name of Platinum Gifts in San Diego area that recieves a portion of the processing or underwriting fee from Countrywide loans to pay for the gifts that the customer recieves, this is supposedly in thanks for doing the loan, yet unknown to the customer, Countrywide does not mandate the fee charged UNLESS you are sending a gift, a great way to save $1000's monthly.

After an investigation, we have found that Platinum Gifts, which is owned by the Daughter of Megaqn Fink, VP Areas Sales Manager, Region 53. Fink answers to her close close partner in crime, John Bianchi. These two were together at North American Mortgage before coming to Countrywide so many years ago. They beleive they can forget about laws that have it illegal to give kickbacks, especially to family memebers.

Our investigation also turned up the fact that not only is Platinum Gifts recieving the majority of its revenue from Countrywide gift orders, but it is recieving orders from numerous branches through Countrywide.

Employee statements that it was a known practice to charge customers for the gift, yet not list that charge on the GFE or Settlement Statement, when they KNEW the funds were not goig to a processsing fee.

To give all the enormous nature of these kickbacks to Platinum Gifts, facilitated by Megan Fink and John Bianchi and Countrywide in Southern California, look at the #'s.

1 Branch does 200+ loans monthly- 200 gifts x $100 ='s $20,000 in sales per month.

Now add 15-20 branches 20 x $20k = $400,000 monthly!!!!!!

$400k x 12 = $4.8 million a year in sales from the illegal kickbacks to this VP's daughter, who goes by a married last name, but it is the Daughter of Megan Fink, a known violator.

To have your daught recieve funds of borrowers through intentional misrepresentatrion and fraud will soon be added to all the Class Actions against this troubled Company.

IF YOU HAVE RECIEVED A GIFT BASKET FROM PLATINUM GIFTS AFTER DOING A COUNTRYWIDE LOAN PLEASE EMAIL US:

countrywidecomplaints@yahoo.com


Left: January 20, 2006 By: roy In: tampa

Notice: Must Read
Wrong Doings www.jameshoyer.com
file your complaint


Left: January 20, 2006 By: LUIS F RODRIGUEZ In: SAN JACINTO

I WAS HAPPY UNTIL I RECEIVED THIS CLASS ACTION TODAY AND FOUND YOUR SITE OF SO MANY UNHAPPY PEOPLE.
SO FAR SO GOOD IN COMPUTER PAYMENTS, BUT I HAVE NOTICE THEY DO NOT MAKE MY PROPERTY TAXES ON TIME, I AM NOW GOING BACK AND CHECK IF THEY RAISE MY SCROW PAYMENT TO COVER THEIR MISTAKES.

FOR THOSE GOOD PEOPLE ASKING FOR A CLASS ACTION

SUPERIOR COURT OF THE STATE OF CALIFORNIA
FOR THE COUNTY OF ALAMEDA
MARK NOBLES,et al.,
Plaintiffs,
V.

COUNTRYWIDE HOME LOANS, INC.,

Defendant

Case No. RG04138349

The complaint in the action alleges that Countrywide Home Loan inc. ( Countrywide) engaged in illegal and improper practices relating to charging it's California borrowers
a document preparation fee. Among other things, the complaint alleges that COUNTRYWIDE charge California borrowers a document preparation fee for legal services, and that COUNTRYWIDE may not lawfully charge for legal services. Countrywide
denies the allegation of the complaint and contends that the document preparation fee was fully disclosed, agreed to, and lawfully charged.

On April 25, 2005 the Court conditionally ordered
that the Action may proceed as class action lawsuit on behalf of "ALL persons who paid a document preparation fee etc....

Attorney: ZIMMERMAN REED PLLP
P.O. BOX 55056
POENIX, AZ. 85078-5056
1-877-725-5795

I HOPE THIS WILL HELP SOME OF YOU WHO NEEDS A ATTORNEY...






Left: January 19, 2006 By: In: California

Illegal kickbacks in Socal are the way of life at Countrywide.

John Bianchi and the people who workd for him in management actually kick back money to family memebers from customer fees charged. This is 1000's of loans that violate HUD and is fraud. The group in Socal is as bad as it gets, arrogant, rich, and with a Company that willingly turns their heads to violations of cusotmers and the public.

The fraud is easy to find irf anyone looks. The kickbacks are easy to show.

email us at countrywidecomplaints@yahoo.com and we can provide the path to the proof.


Left: January 19, 2006 By: roy In: tampa

Notice to all. Appraisal overcharges fees settlement in Oct. 2004 thru a class action suit was won. Look up and read www.sherlocklegal.com and notified the lawfirm if you feel you been cheated.
A MUST to read for all, ripoffreport.com
For Countrywide sweat shop employees go to
www.gdblegal.com


Left: January 19, 2006 By: ricky In: clearwater

VICTIMS, James Hoyer Attorney at Law, Tampa, florida is looking into possible class action lawsuit against wrong doing by CW.
Go to their web page and read the story and make your complaints. LETS BE HEARD.
LET US ALL BE INFORMED.


Left: January 19, 2006 By: In: California

get a life


Left: January 18, 2006 By: hahahahahaha In: ahahahahahahahahahahah

cw is wonder full they are a very nice group to do buisness with and im only haha!


Left: January 18, 2006 By: pot head In: stoned again

are you idiots still here hahahahahahahaha


Left: January 17, 2006 By: In: California

People, if you are not going to name the people whom you worked with at Countrywide it does no good to complain here....names of the loan consultants or managers should be posted for all to see and be aware of.

this site is a privately owned site and there is nothing that the owner will do to help anyone find anyone who is posting on this site, so please forget about backlash, LIST THOSE SCUMMY PEOPLE IN CALIFORNIA WHO WORK FOR COUJNTRYWIDE AND HAVE VIOLATED PEOPLE> NAME AND BRANCH LOCATION HELPS< BIG TIME>




Left: January 17, 2006 By: In: California

Countrywide is a PREDATORY LENDER. They solicit their own elderly and disabled borrowers on fixed incomes who currently have a nice low interest, fixed rate mortgage, and bait them with the sales line that they can reduce their monthly payment by maybe $50 to $100 a month with a fixed period ARM or Pay Option ARM. To these elderly borrowers, some who have diminished mental capabilities, who are payment and budget sensitive, this extra money for their budget seems good on the surface. Nevermind that the closing costs rolled into the new loan will take years to recapture if ever. Nevermind that the loan goes fully adjustable in as little as one month or a period of months. Nevermind that the new ARM probably has a prepayment penalty clause. Talk about pulling the rug out from under these payment sensitive borrowers.

It would make more sense to get a small, no closing cost, home equity loan and draw out that extra $50 or $100 a month of their equity to make up the budget difference. There's more profit for Countrywide by doing the full refinance. All those affiliate companies from Landsafe credit, appraisal, title, and escrow pump a lot of money into the company, not to mention the 3 point pricing profit that’s hidden on the backside through their higher rates, compared to what is readily available on the open market.

What do you call a company who refinances their own customer and they already have just recently refinanced them in the last 24 months or less. MORTGAGE CHURNING



Left: January 16, 2006 By: Grinch In: Scrooged

Imagine working for Countrywide and they throw a Christmas party for your department but tell you if you bring a date then you get to pay for their dinner yourself.

Then right before Christmas they call a meeting to inform you that your pay is being cut by more than 50% but dont worry just work harder for the company.

Sad but true.


Left: January 16, 2006 By: bump In: California

F YOU ARE THINKING ABOUT WORKING AT COUNTRYWIDE, SIMPLY DON'T. Take your nightmares and think of them as a day in paradise compared to working conditions there. I have been a successful mortgage loan officer for five years and was recruted by these low lives.
They lied to me about every possible aspect of operations, once I started my "manager" was a kiss ass 20 something year old kid who s only talent was to be a yes man for higher up managment. This person has no qualification whatever in handling the job, and aside from his car manual had not read a book in his entire life! As for the staff as a whole it is nothing but a bunch of lost pushie kids whose prior work experience does not surpass fast food chains or radio shack.....The only thing they are told a hundred times a day is " get loans, borrowers are stupid liers, you are in charge. Do whatever it takes, push push and push more to get loans". They paint a rosey picture, chose one or two kiss ass "mopdel employees" as people that make great money and pay sweatshop salaries and inhumaine working conditions. Their only aim is to screw the employees and the borrowers so wall street and a few fat cats remain happy. If you value your sanity stay away from Countrywide.


Left: January 16, 2006 By: In: California

Countyrwide Shipping Jobs Off-Shore "In Their Own Words"

http://www.keane.com/clients/videos/clientvid-production/cw_hold.htm



Left: January 16, 2006 By: In: Rosemead

Countrywide defrauds borrowers. It's their policy to charge all borrowers for a 3-bureau credit report even though it is their standard operating procedure to only pull a single experian credit report as much as possible. Often time the middle score of a tri-merge credit report is higher than the single Experian bureau score. Lower credit scores mean higher profits for Countrywide due to higher interest rates or a sub prime Full Spectrum loan. Employees that pull tri-merge credit reports are reprimanded without permission.

There is a simple paper trail to confirm this as all loan-closing docs are usually scanned into their archive. How many loans have been charged for tri-merge credit reports while only pulling a single bureau through their company owned Landsafe Credit? Hundreds of thousands of borrowers would be an accurate estimate and this has been going on for years. Countrywide is a financial services company. You have to use their preferred providers. Borrower has no idea that they can use the Title and Escrow Company of their own choice since they never get advised so. Using Landsafe is a cash cow for CFC and employees are mandated to cross sell Landsafe though memos handed down from Brian Hale.



Left: January 16, 2006 By: In: Rosemead

Countrywide defrauds borrowers. It's their policy to charge all borrowers for a 3-bureau credit report even though it is their standard operating procedure to only pull a single experian credit report as much as possible. Often time the middle score of a tri-merge credit report is higher than the single Experian bureau score. Lower credit scores mean higher profits for Countrywide due to higher interest rates or a sub prime Full Spectrum loan. Employees that pull tri-merge credit reports are reprimanded without permission.

There is a simple paper trail to confirm this as all loan-closing docs are usually scanned into their archive. How many loans have been charged for tri-merge credit reports while only pulling a single bureau through their company owned Landsafe Credit? Hundreds of thousands of borrowers would be an accurate estimate and this has been going on for years. Countrywide is a financial services company. You have to use their preferred providers. Borrower has no idea that they can use the Title and Escrow Company of their own choice since they never get advised so. Using Landsafe is a cash cow for CFC and employees are mandated to cross sell Landsafe though memos handed down from Brian Hale.



Left: January 16, 2006 By: Thomas Martin In: Southern California

If you work/worked for Countrywide or Full Spectrum we want to hear from you. We are especially interested in hearing from employees who worked in California. We have the National Mortgage Complaint Center and our e-mail address is Americaswatchdog@AOL.Com.


Left: January 16, 2006 By: In: California

Countrywide VPs are a fraud. If you quit or get fired they keep all your loans so you don’t get paid then they give the big ones to their best friend who couldn't sell their way out of a paper bag because it's the only way they can get a bonus paycheck. Short of that they get their pals a VP job too so they don’t have to work either just like them. Then they can take the dept hot chick out for a 3-hour lunch or hit the casino for some slots on company time. What a stroke of genius.


Left: January 16, 2006 By: In: California

Countrywide is the next Enron. Just watch them collapse.


Left: January 15, 2006 By: In: California

Countrywide executives Suck so much even their spouses have to take drugs to put up with them.


Left: January 15, 2006 By: In: California

CW will hire anybody, H.S. or Equivalent. Even ex- Ameriquest employees.


Left: January 15, 2006 By: In: California

street talk has it that a heavyset vp at chl applied for a job at ditech and needless to say they wanted nothing to do with him


Left: January 13, 2006 By: In: California

how about you tell us the name of your loan consultant and we can all use that person.....

go ahead and tell us the Countrywide person who offered good service. If you truly want to point out you recieved good service, please tell us the consultant you used. if you want to act like you don't know, it is on the paperwork or you can call countrywide and they can tell you who originated it, that is if you forgot who you are referring to.

note: countrywide is such a scummy company they have people that actually post on boards like this to help out public image, actually pay people to post those posts, all day they are on message boards in stock chat rooms and trying to combat the public embarrassment and numerous violations this company operates under daily.


Left: January 13, 2006 By: Roger In: Fresno, CA

I have dealt with Countrywide on a number of ocassions both personally and in a professional manner. They have some of the best customer service I have encountered with any of the other lenders out there. I highly recommend them - they are responsive and courteous. Each company will have some unfortunate experiences.


Left: January 13, 2006 By: Martha has nuts! In: California

Martha Stewart is auctioning-off one of her custom autographed, used, jock straps on ebay now.
Happy bidding!


Left: January 13, 2006 By: In: California

pike you!


Left: January 12, 2006 By: PI In: California

It's interesting who uses the term piker in this thread.

http://www.reiclub.com/forums/index.php?board=26;action=display;threadid=11257



Left: January 12, 2006 By: In: California

piker = fake, phony, wanna-be, posturing, acting like someone you are not, dishonest, unethical, no shame in lying, shame in who u r.......hmmmmmm sounds like Countrywide and the clowns in SoCal.




Left: January 12, 2006 By: Piker In: Pikelandia

What's a "Piker"?




Left: January 10, 2006 By: In: California

sure al, sure.


Left: January 10, 2006 By: In: California

i love it when the countrywide people post such obvious attempts to get someone to say anything good on this board.

so, once again a countrywide employee posts that they are a happy customer. there is no way that a real customer, who is happy, would ever be on this board.

shows you how bad the company is. from the top execs, like Mozilo, to the regional criminal scum like Bianchi, you have a company that is a walking vi9olation and ticking timebimb.

right now a few compmies wanting to buy CFC will not due to the legal problems up and coming, although the Coimpany tries to hide the compaints and flat out lie about its loans.

they are in serious deficinies all across the board nation wide. a systemic problem, not a local, systemic criminal fraud!


Left: January 09, 2006 By: Al Galaviz In: Tracy, California

Yes, we are a happy Countrywide customer

Hello:

Well, I am a happy customer with Countrywide. I saw all the letters. But, I was in a terrible bind, I had over 44,000 in medical bills, and need to refiance the house. I called, wrote letters, and yes they worked with me they waved the pre-payment pentality based on real hardship.
But I had to prove my case. So, from our family they are a company that has a heart, values and intergity. In our case, we wish them well at Countrywide and God Bless them.


Left: January 09, 2006 By: Thomas Martin In: Los Angeles

We have the National Mortgage Complaint Center and we are hoping to talk with former loan officers from Countrywide and or mortgage brokers who were told to "do anything you want" with respect to their Countrywide Home Loan borrowrers (in order to keep the mortgage broker pipe-line full). Our email is at Americaswatchdog@aol.com


Left: January 07, 2006 By: THE FAMILY WHO HAS SUFFERED In: SAN DIEGO COUNTY

COUTRY WIDE IS NOT WHO ANYONE WANTS TO GET INVOLVED WITH THEY WILL CUT YOU OFF FROM YOUR OWN INFORMATION AND YOU CANNOT ACCESS YOUR ACCOUNT THEY WILL ALSO DOCK A FEE AND THEN SAY YOUR PAYMENT WAS NOT IN FULL SO THEY MAKE IT LATE AND ON YOUR CREDIT REPORT LATE .....OVER AND OVER THIS SEEMS LIKE A ILLEGAL WAY TO PRACTICE A BUSINESS.....THEN TRY AND THREATEN YOU WITH LAWYERS ETC. AND EVEN GO AS FAR AS TO BE RUDE AND SNEAKY WITH THIER ANSWERS WILL NOT GIVE YOU DOCUMENT INFORMATION THAT HAS BEEN DONE IN YOUR OWN ACCOUNT


Left: January 04, 2006 By: In: California

whats a lobiest? please send answer soon as possible. thank you


Left: January 04, 2006 By: dont be a fool In: Rosemead

Countrywide Financial aims to grow organicly not thru other corporate aquisitions. In other words they are not going to merge with another bank or mortgage company. It's cheaper to go out on the market and hire any stooge they can find on the street that can work a mouse. If you take their job be prepared to be monitored for everything you do. Phones, computer, break times etc. If you get unlucky and have a phone job you will not have anytime for loan processing as you are expected to talk on the phone 84%+ of the time. Anyting less and you get walked out the door. That's how they get people to work thru their breaks and lunch without pay so they can keep their job.


Left: January 04, 2006 By: In: California

You'd be surprised how many of the managers at cwide actually look like the Ditech commercial guy not those actors they put on their TV commercials. Brian Hale ring a bell?


Left: January 04, 2006 By: In: California

How do you find someone to traust at Countrywide? Past messages say do not trust them, read your paperwork.

Now tell us why a person from New Jersey is on a California bash Countrywide site, yet claims to not work there and not have interest here?

I know, a liar is a liar, a Countrywide person would only post here and lie and say she is in NJ. And to say you are in NJ speaks loudly. Why wouls anyone live in Jersey?

back to screwing over the public huh?

Thanks for posting you are not a cwide worker, funny funny. Who would stick up for cwide on this board but cwide people? no one would.


Left: January 04, 2006 By: User In: Under the bosses desk

Oh...if you really like drugs CA Countrywide is the place for you.


Left: January 04, 2006 By: Jonas Prickman In: New Jersey

Wow! I want to come to california and work for Countrywide! Sounds way better than my boring job here in Jersey. I would give anything to be Sexually harrassed on the job!!! and to be able to get stoned at work! sounds fun! Maybe I'll send in my resume tomorrow!


Left: January 04, 2006 By: blah In: san diego

I can't believe all the fucking whining on this site. If you got screwed it's your own fault because you don't take responsiblility for your own life and investments. It sounds like you have way to much time on your hands and should "get a life". I don't work for countrywide and never would but... Broker's are shady, lenders are shady... blah blah blah... find someone you can trust (by referral) and read your shit before signing.


Left: January 04, 2006 By: In: Los Angeles , CA

IF YOU ARE THINKING ABOUT WORKING AT COUNTRYWIDE, SIMPLY DON'T. Take your nightmares and think of them as a day in paradise compared to working conditions there. I have been a successful mortgage loan officer for five years and was recruted by these low lives.
They lied to me about every possible aspect of operations, once I started my "manager" was a kiss ass 20 something year old kid who s only talent was to be a yes man for higher up managment. This person has no qualification whatever in handling the job, and aside from his car manual had not read a book in his entire life! As for the staff as a whole it is nothing but a bunch of lost pushie kids whose prior work experience does not surpass fast food chains or radio shack.....The only thing they are told a hundred times a day is " get loans, borrowers are stupid liers, you are in charge. Do whatever it takes, push push and push more to get loans". They paint a rosey picture, chose one or two kiss ass "mopdel employees" as people that make great money and pay sweatshop salaries and inhumaine working conditions. Their only aim is to screw the employees and the borrowers so wall street and a few fat cats remain happy. If you value your sanity stay away from Countrywide.


Left: January 03, 2006 By: In: California

Countrywide suck so bad.

First off they hire anybody off the street so when you call that 800 number get ready to bend ovah.

btw - those tv adversements are all has been actors.

Then you get your package on day 10 and it says return by date (yesterday) no time to review them.

Then when you sign closing papers you get a notary who doesn't know jack about what you are signing but sign it now or else. THANKS LANDSAFE.


Left: January 03, 2006 By: In: California

Stupid idots only in America? I just talked to a person in India and asked them about the Couthern California area I am from, and they did not know what California is....Go get em Countrywide.

At least people might get someone honest, so far CHL has not found anyone here in the states that is honest, right up to the CEO himself.

Alot of government agencies looking into the mortgage company that owns a bank, not a bank that owns a mortgage company, something that will eventually be a huge liability to Cwide. The federal umbrella like Wells and Wamu has is not there and that means California can pull Cwide's license with no saving like the Feds did for Wells and WaMu, only because they were a bank.

Countrywide is a ticking timebomb right now and it is due to the arrogance of the upper management.


Left: January 03, 2006 By: In: California

Only in America would some soft girlie man post something bad about our country and on a site that is just for the millions of people who Countrywide violates.

Idiots? Absolutly, how about criminal to add.

Tell me great one, all these idots here, why r u here? On a bash COuntrywide site to help those who might do business with the criminals is a good thing to make people aware of.

In the end, the idot is you and the criminals are at Countrywide. Down to the fraud and filing 10-K and 10-q's that they know are not accurate numbers.

Love it Love it, Countrywide has a lot of incentive to get out of California and any state with labor laws. As public announcements state, they are doing just that, they save on the hourly wages and labor laws and can also screw them over without any recourse from Government agencies to help them. Now that is good for those people, have the scum at Cwide treat them like they do people here in the states, woops, they have no laws there that cwide light be scared of liability wise, it is so funny that this "American" company is so against the laws and standards that they need to move to India and make sure they don't have to settle another big class action, which more are coming and there is nothing cwide can do..

More bad press, huge lending violations...hahahaha this is a Company operating in FRAUD!


Left: January 03, 2006 By: In: California

bunch of stupid idiots, only in america.


Left: January 02, 2006 By: In: California

countrywidecomplaints@yahoo.com

please email us in confidence/anonymous details of Southern California, San Diego/Carlsbad.

there are numerous complaints being prepared and pursued against the Company in that area.

please share with us the John Gillis and any other Southern California information that couold be helpful, and do it anonymous if youlike.

there are many ex-employees and advocates fighting against how this Company does business.

please email us your story details.

countrywidecomplaints@yahoo.com


Left: January 02, 2006 By: In: California

Did he try to get you in the back room closet Frank? Just Kidding.

How would you know what that guy did or did not do? Are U Ex-Employee or Customer, or Spouse, Current Employee?

We have heard similar stories out of Carlsbad and San Diego area regarding management. Please tell us more.



Left: January 01, 2006 By: Frank Smith In: Carlsbad

John Gillis has no morals, loyalty or balls. He has sexually harrassed so many women when he was at Countrywide unitl finally someone liked it and they both left their spouses and broke up marriages. He is a big whiny pussy with no ethics.


Left: January 01, 2006 By: In: California

Sharon- Please spare us. You don't have a clue if you were violated or not, got a good deal or not, so please go back to work at CHL.

There is no other possible reason why a person would post such a naive statement on such a website, proving the ignorance of CHL employees.

So, as long as you look through all paperwork, you could not have been violated? What if there was no papaerwork sent honey? What if you apply for a loan and then are treated disparately?

What if there was "bait and switch"? Are those real violations, or should each and every borrower be forced to hire a reeal estate/lender attorney just due to the fact we cannot trust the loan consultants at COuntrywide?

This is not just make your mortgage payment, this is people who made the payments yet due to CHL bs structure and negligence, the accounting is a mess.

This Company is a running violation. Soon enough all the work will be sent to India so CHL cannot be sued for their criminal activities violating so many laws.

Can you comment on the $320million suit lost to employees for violating their rights? $300+ million!!!!

Do you think there was just an employee error? Well, think again before you jump on anyone complaining about your criminal Company. The whole Company is a mess and soon the regualtors and agencies will be right in the branches looking at what is what, and I can tell you as a past employee, the Company is a hige violation.


Left: December 31, 2005 By: In: California

Sharon - Nevermind Butthead and HIS bad spelling - He's on drugs he bought at cw. Bad grammar :P


Left: December 31, 2005 By: In: California

sharon - nice spelling/grammer...go back to first grade.


Left: December 30, 2005 By: Sharon In: Beverly Hills

I am an real estate investor. I have many loans with Countrywide. I never had any problem with Countrywide. I honestly believe that if you make your payment on time. I really don't have any problem with Cuntrywide at all. Somehow those people who had bad experiences with Countrwide, they should at least go thru all of the loan documents and gain a little knowledge about mortgage before they start complaining. I do feel that those are the ignorence ones!!!


Left: December 29, 2005 By: In: California

Foti investigating complaints against Calif. mortgage company
12/29/2005, 6:07 p.m. CT
The Associated Press

BATON ROUGE, La. (AP) — The state attorney general's office is investigating a California-based mortgage company following complaints that the firm has taken too long to release insurance money meant for Louisiana residents whose homes were damaged by hurricanes.

The company, Countrywide Home Loans Inc., issued a statement acknowledging the delays but blaming them on the high volume of insurance claim checks required after Hurricanes Katrina and Rita. The number of checks overwhelmed the company's system, the statement said.

"This created unfortunate and unusual delays to some of our customers for a period of several weeks," the company said.

Over a dozen formal complaints have been filed with Attorney General Charles Foti's office, alleging that Countrywide has received insurance money meant for homeowners needing to repair their homes, but held on to the cash for an unreasonable amount of time, Foti spokeswoman Kris Wartelle said.

Many such insurance checks require a signature both from the homeowner and the mortgage company before the homeowner can receive the cash. One Louisiana homeowner told investigators that Worldwide held his $111,000 in insurance payments for more than a month, forcing him to produce $50,000 to pay contractors repairing his storm-damaged home, Wartelle said.

The Countrywide statement said the company has caught up with the flow of checks, which "are now being processed in a timely manner."


Countrywide is a subsidiary of Calabasas, Calif.-based Countrywide Financial Corp.


Left: December 29, 2005 By: In: California

INDIA?

Countrywide customers should like to know that their personal information including social security numbers is now available to these off-shore contractors.

It's bad enough that third party telemarketers stateside already have your sensitive loan information and SS #'s.


Left: December 29, 2005 By: Former Westlake Village Employee In: Calabasas, CA

One of your poster's made this comment.. I had to laugh when I read it.. I know the poster is an idiot (he is no doubt part of the handful of posters of the many insane messages here), but it was still worth refuting his comment anyway.

"I think many of you forgot what happened in NYC on 9/11. ARE WE AMERICANS? IF SO, START ACTING LIKE IT. COUNTRYWIDE HOME LOANS IS AN AMERICAN COMPANY, PROVIDING JOBS FOR AMERICANS!

NOT LIKE MOST COMPANYS THAT MOVED THEIR COMPANYS OVERSEAS FOR CHEAP LABOR. WAKE UP EVERYONE!"

Are you KIDDING me???!!

Countrywide has an office in India.. My department had STAFF (EIGHT staff members) in the India Office.. In fact we were TOLD OUTRIGHT by our UPPER management that we could not expand our staff using local (CA or TX) resources.. However, we were told we could hire India staff all day long and twice on Sundays.. AS MANY AS WE NEEDED!!! and you want to know the reason for this trend?? CHEAP LABOR!!



Left: December 29, 2005 By: In: California

all


Left: December 25, 2005 By: In: California

cw cost me 12000 dollars thats not very nice i think you should be punished, now if i cost cw 12000 dollars i would be punished, fair is fair then punishment must be the answer. bye


Left: December 23, 2005 By: In: California

sounds more like the little man, little dicK syndrome


Left: December 23, 2005 By: In: California

Well to understand CHL management you have to understand the peter principal. A person who might be a good salesperson does not mean they will make a great manager. However this person somehow manages to ingratiate himself or herself to upper management to get the promotion. Then once they get the management job that’s when they’ve reached the level of their incompetence. They will end up pissing many of the account execs off with their incompetence but upper management will continue to back them lest they too look incompetent for getting suckered in by these two faced new managers that are nice to upper managements face and shiz to the account execs and processors.


Left: December 23, 2005 By: In: California

Right now one of the biggest investigations going on behind the scenes is in Southern Cal. Wreckless Management.


Left: December 22, 2005 By: Current Employee In: Los Angeles

There are so many problems with this company its amazing its still afloat. Here's some of their current woes:
1. They have antiquated systems. Their current operating backbone was constructed in the 1970's, and little to no documentation remains on how it was put together. This means that you can't change the computer system because it will either collapse or start throwing errors left and right. They resolution? Get business analysts to take out the incorrect data, work on it, fix it and re-insert the corrected numbers back in. This is what's done whenever there's a change in the law for instance.
2. This is only a 30 year old company, so alot of its "senior" management is fairly young. This means that they aren't going anywhere, they're compensated extremely well. So new talent is identified as a possible "threat" and is made to go elsewhere, just in case he/she threatens anyone's job. What has been created is a mass of "yes-men" that prevent bad news or real issues from floating to high up the management ladder.
3. Useless titles and "one-employee" vice presidents are normal here. Whereas most other corporations in the country have downsized their structures, Countrywide goes on with its ancient model. Back in the 1990's most companies wanted to shrink their corporate structures in order to improve communication within the company and get rid of titles for people who didn't need them. This never happened here. What Countywide needs as an organization is for somebody to come along and buy it and clobber it into shape.
4. Automatic payments. Did you know that when you sign up for Countrywide's automatic payment option where they just debit your bank account for each monthly payment, you pay a $10 service fee per payment? Did you know they make millions per year doing this? And it doesn't cost them anything to do it, its just another "nothing" fee you're paying. I recommend you cancel this option and just arrange for an automatic payment to be issued by your bank instead.
5. Did you know that until recently, the company's turn over in employees was 60%! That explains why you can't ever talk to the same person there. It has dropped since that high, but its still a problem.
6. Talking about appraisal fee's. Did you know that the actual current appraisal fee (depending upon area and complexity of the report of course) is $350 for a standard home. However, if you go through the company's sub-prime lender, you may have to pay an additional $200 for a "desk top" review? Watch what you're being charged for and ask why, and reject to pay this automatic "no-service-for-pay" fees!!
7. Did you know that fraud and unethical behavior is going rampant throughout the company! This news doesn't make it to the papers but dozens of branch managers and loan agents have and are currently being dismissed for fraud and unethical behavior. They have had to stop doing certain loan types because of the high percentage of default noted by the investors (Fannie Mae for instance). The company has had to buy back all those loans that have been identified by the investors as having fraud. Before they saw it as a "cost of doing business" since they were raking in the fees up front, but now its turned out to be too expensive so they've had to stop making those questionable loans.
8. Watch out for those "Good Faith Estimates" you get from anyone at this company. They often deflate fees and costs in order to stay competitive with the competition. Have NO DOUBT ABOUT IT, COUNTRYWIDE'S RATES ARE HIGHER than the competitions!!
9. Last year the company was almost bought out by somebody else. Hope that this happens so that this company disappears!!!!!


Left: December 22, 2005 By: In: California

Jesse Jackson and Al Sharpton are racist born losers!!!


Left: December 22, 2005 By: In: California

Butthead is the resident troll here


Left: December 21, 2005 By: i hate cw In: California

thanks for reminding us how unprofesonal you idiots realy are.


Left: December 21, 2005 By: In: California

i work for countrywide...if you dont like us..FUCK OFF!


Left: December 20, 2005 By: In: California

latesha - they have to use b/c paper because the profile does not meet fnma/fhlmc/fha requirements. it is not CHL's problem, they have to adhere to the secondary market just like every other lender.


Left: December 19, 2005 By: In: California

Countrywide contracts out their building maintenance services just like Wal-Mart and let me tell you just like Wal-Mart this sweatshop employer most likely has illegal workers right off the banana boat from Costa Rica on it's payrolls through the contractors.

Fed's take note


Left: December 19, 2005 By: Latesha In: Oakland

Yahoo News search of "Countrywide Home Loans" turns up this article at the top of the search

Minorities Pay Millions More Monthly


http://www.rismedia.com/index.php/article/articleview/12861/1/1/

Just like I told you!


Left: December 19, 2005 By: In: California

I a greed, if the number of just RESPA violations were brought out, it would be the end of the Company, they would have to change the complete structure of how they do busines.


Left: December 19, 2005 By: In: California

so don't believe a word anyone a tOcuntrywide says to you, only what is in writing. I think it is good advice not trust anyone at Countrywide.

I would bet that 50 % of the loans they do are out of compliance. I bet if ALL the borrowers knew their rights and that they werer violated things would be different, but most don't even realize they were violated, anyways, agreed, you heard it from a current employye there, read everything and beleive no words out of those scummy people.


Left: December 19, 2005 By: In: California

Every VP & supervisor should have to submit to a drug test immediately. Start at the top.


Left: December 18, 2005 By: In: California

***Attention Piker*** How would you know this info??????????? you were ( WERE ) a countrywide employee!!!! HAHAHAHAHAHAHAHAHAHAHAHAH just what I said in my first statement you PROABABLY WERE THE EMPLOYEE SELLING THE DRUGS IN THE PARKING LOT , HOW ELSE WOULD YOU KNOW THIS? JUST FOR ALL FUTURE PEOPLE OUT THERE JUST READ THE NOTE ,BEFORE SIGNING AT THE REALITOR OFFICE ITS YOUR OWN FAULT IF YOU DON'T i CAN NOT EXPRESS THE WORD READ, READ ,READ , READ ASK QUESTIONS MANY MANY MANY QUESTIONS!!!!!! BEFORE SIGNING.


Left: December 17, 2005 By: angela In: Colorado Springs, CO

We have had our escrow raised for no reason. They raised it AND doubled our tax payments on our statement. They also raised our insurance premium. Somehow, our payment is $20/month over both our original paperwork and their totals, for example: our taxes and insurance equal $1840, divide that by 12 months and it should be $153/mth - however our escrow payment is $168/mth. Our loan has been owned by two other mortgage companies, and there has never been such a discrepency.

Secondly, they round-up on each of these payments - for example: our insurance premium is $895.89/yr, they are charging $896.00. Our taxes are $943.45/yr, they are charging 944.04/yr. This is a total of $8.40/yr. Now, most people wouldn't worry about $8/yr - right? But, let's say they have one-million loans and round-up on all the escrow payments - that's $8 million/yr in overcharges!!!!

Add that to the $15 dollars they are charging each month from the first paragraph - $188 million every year in overchages!!!!!

I know we are not the only loan they are overcharging from reading other comments on this site...

Anyone???


Left: December 16, 2005 By: In: California

Gotta love the COUNTRYWIDE Full Spectrum Loan advertisements "we approve 4 out of 5 loans".

Yes even with a 500 fico you might get a loan.

HOWEVER They dont CLOSE 4 out of 5 loans.

BIG DIFFERENCE.


Left: December 15, 2005 By: In: California

hi i work for cw im supposed to be working but im to stoned hahahahahahahahahahahah fu cw


Left: December 15, 2005 By: In: California

http://www.corp.ca.gov/pdf/doc29.pdf
complaint form

or

call Countrywide cust serv and get the Office of the President phone number to file a complaint.


Left: December 15, 2005 By: disgruntled customer In: Redwood City

CHL has been assessing me an extra $400 a month for 6 months for homeowners insurance on my house. I have my own policy, and the payment is debited from my checking each month. Even though I provided a copy of the Declaration of Insurance page from my insurance agent and also a copy of my bank statement showing the auto pay, they will not return any of my calls,emails, or repeated faxes. I am now faxing them at least 10 times a day begging for someone to call me and resolve this. I am ignored. If I do not pay the extra money, they will not even accept the house payment! I refused the first 2 months to pay the extra $400 and just sent in my regular payment--CHL reported me to 4 credit agencies as being 2 months behind on my payments. Now I can't even get a refi because of the ding on my credit report! HELP!!!




Left: December 14, 2005 By: bill gatten In: Westhills, Ca

In 1994 my wife and I inherited a property in Hollywood, Ca. that had a value at the time of about $550,000 with a $25,000 Countrywide loan on it.

When the inheritance paperwork was completed the payments were $35,000 in arrears. We immediately sent in a cashier's check to Countrywide for the full amount required to bring the arrearages current (and we were well within the reinstatement time frame).

In about a week we got a letter from CW Legal stating that they had received and processed the check and were thankful for it. However, in that we had not asked for a reinstatement quote in advance (the letter went on to say), the property was still schedule for foreclosure the following week, and our $35,000 had simply been added to the principal reduction. If we wanted the house, we would need to come to the auctionwith a quarter million bucks...in cash...in a week.

We immediately sued, and two years later and tens of thousands of dollars later, we finally got a reinstatement of the loan under the same conditions (w/o any reward of legal fees, court costs, punitive damages, stress and duress...nothin').

Bill Gatten
West Hills, California



Left: December 14, 2005 By: XCHL In: ROSEMEAD

PLEASE HIT THE SUBMISSION BUTTON ONLY ONCE - Piker

Nah, no way would anybody ever quit Countrywide. To get a real life job satisfaction study you need to visit the break areas in the parking lot. No wonder they need those brainless goons at the doors of their corpo offices watching security cams looking for sex, smoking, drug activity


Left: December 13, 2005 By: In: California

You people need to stop complaining and READ YOUR NOTE WHEN YOU SIGN YOUR DOCUMENTS CAREFULLY and ..............PAY YOUR BILL WHEN IT IS DUE!AND for all you former employees who have nothing better to do (*** get a life***)probably got fired because you weren't doing your job or you were the ones selling the drugs in the facility.


Left: December 13, 2005 By: In: California

You people need to stop complaining and READ YOUR NOTE WHEN YOU SIGN YOUR DOCUMENTS CAREFULLY and ..............PAY YOUR BILL WHEN IT IS DUE!AND for all you former employees who have nothing better to do (*** get a life***)probably got fired because you weren't doing your job or you were the ones selling the drugs in the facility.


Left: December 12, 2005 By: In: California

if you KJNOW of anyone at COuntrywide that has screwed over people, name them here!


Left: December 12, 2005 By: Latesha In: Oakland

Quote:
“For ONE, in many cases, you have a language barrier with minorities. It's not (Insert COUNTRYWIDE’S Name) fault that some of their borrowers don't understand what's required to process a loan. Too bad. Learn the language.
you are just a number. Another loan. Higher loans approved mean higher bonuses. End of story. Processors want to get your loan finished and done with.”

Quote
“I've yet to meet ANYONE who purposely wanted to discriminate against minorities.”

What you white guys don’t understand is that discrimination doesn’t have to be intentional. It’s starts with a phone call and the person has an accent or a foreign sounding name. Maybe English is a second language and it is harder to communicate BUT these protected classes of borrowers need extra attention so they can just get a fair shake. Yes it’s going to be extra work and loan processors would rather shove these harder to do loans to the bottom of the pile and race through the easy ones to get their numbers up and get larger bonuses. (see above)

It’s not enough for Countrywide to make the employees listen to a 20 minute tape on fair lending and expect compliance with the fair housing act. Plus, just look at Countrywide’s upper management and you’d think it’s pre 1968. All white men in upper management. Do I need to name names like Mozilo, Kurland, Anderson, Hale etc. Telling borrowers its “too bad” if they can't get their loans done in a timely manner just doesn’t cut it. It’s starts at the top with upper management and the commitment to quality loan processing has to follow all the way down the chain of employees and that includes all the Landsafe employees too. Every person that has a part in the loan package has to have the right attitude to get these minority loans completed. I hope HUD monitors the numbers of loan applications, processing times and denials that Countrywide is doing. I don’t care about what other companies are doing. That’s no excuse either.

And while we are on the topic why is the minority employee turn over rate higher than the white employee turn over rate at Countrywide? Why does a Hispanic girl get fired, walked out the door for attendance problems without any written warning while a white girl in the office does worse and gets not even a written reprimand? They fire people at will and without warning and more often than not it’s the minority worker that gets the shaft before the white. But it’s not intentional now is it?!



Left: December 11, 2005 By: In: California

this is a bitch about cwide site, not a suck it up site.

why suck it up when you can sue the criminals of the world?

why suck it up when the errogance of Sr.Execs at cwide not only vilate laws of employees (I guess you did not know about the class settlment in Rosemead etc etc) it is where Cwide mislaclassfied employees, just look it up piker.

regarding borrowers, most don't understand the mortgage or what to do if they were violated, some don't even relaize they were violated...

i do agree i never heard or saw anyone discriminated against, money money is true, but overall if HUD were to audit every loan in SoCal that funded, they would find so many many RESPA and HUD violations it is sick..

it is happening as we speak, SEC, HUD, Dept ofCOrp all have been notifierd of the scum at Cwide. Right up to the CEO and PRes...


Left: December 11, 2005 By: CHL In: atlanta

fulton and south dekalb counties in atlanta, ga. have THE highest foreclosure rates in the country. these high foreclosure rates are not due to these areas being predominataly minority but more to due with fraud being committed by straw purchasers and CHL branches knowingly or unknowingly approving bad loans. CHL has stepped in ( it is their money) and has tightened up the processing/underwritting by crossing their t's and dotting their i's. CHL has to be able to sell these loans on the secondary market because it is their reputation they have to protect to fnma/fhlmc/hud. otherwise, CHL's portfolio will be downgraded, and it will be harder for them to sell loans on the secondary thus making it harder for branches to do loans. it is much better for CHL to take action now rather than later. this may be a reason why it is taking longer for some branches in certain high risk areas to recieve loan approvals. i do believe this trend is not limited to just CHL but all lenders.


Left: December 11, 2005 By: Mike In: Los Angeles, CA

I completely agree with the last comment, "SC in Los Angeles". I've been in the mortgage business for 30 years and I've yet to meet ANYONE who purposely wanted to discriminate against minorities. It just doesn't make any sense. People in the financial business want one thing - to make money. You turn people away, you don't make any money.

It takes an insider to know what is really going on. All the people who bitch and moan don't really know what's going on, they just THINK they do and they are STUPID. They believe what they want to believe, see what they want to see, etc.

My advice: get a life. Stop complaining. Even if you've been screwed, or think you have been, suck it up and move on. We've all been screwed. I've been screwed lots of times in my life, and I didn't deal with it by creating a web site and crying about it. I dealt with it and moved on and became a more successful person. Get a life, because life is too short.


Left: December 10, 2005 By: SC In: los angeles, CA

Hi there!

Guess what, I've been laid off by Countrywide, so what I'm going to say may come as a shock.

I am so sick and tired of hearing about how "this or that company discriminates against minorities".. what a crock. Let me tell you all something: To the people processing your loans, you are just a number. Another loan. Higher loans approved mean higher bonuses. End of story. Processors want to get your loan finished and done with. MANY OF THE PEOPLE PROCESSING YOUR LOANS ARE MINORITIES THEMSELVES!!!! For Christ's sake, does everyone believe that all companies simply have a big room full of fat white men in them with hoods on??? You all make it seem like there's someone handing out memos saying "SLOW DOWN THE MEXICAN LOANS" or "DECLINE THE BLACK LOANS". Give me a frickin BREAK!

I read something here about how loans in Santa Barbara are approved faster than in the inner city. Absolutely this is true. For ONE, in many cases, you have a language barrier with minorities. It's not (Insert Company Name)'s fault that some of their borrowers don't understand what's required to process a loan. Too bad. Learn the language. Secondly, what financial sense does it make to not give minorities a loan? They'll go to the competition. NEWS FLASH TO ALL OF YOU RACE-CARD PLAYERS: A COMPANY, EVEN IF COMPLETELY PREDJUDICED, WOULD RATHER HAVE YOUR BUSINESS THAN TO GIVE YOUR BUSINESS TO THEIR COMPETITOR.

Let's just face it: In *general*, minorites have a)less income, b)less understanding of English, c)live in lower valued homes. ALL of these factors, when combined can make processing a loan difficult, and (watch out - non PC comment comming!) will lead to fewer loans getting approved. So, stop your race card playing. It just doesn't work. There are logical reasons to why minorities are approved less often, why their homes are valued less, and why they make less than average money. If you were to compare apples to apples, you'd see this is true. Mr. Sanchez in Santa Barbara will get just as quickly processed as Mr. Smith. The same Mr. Sanchez & Mr. Smith will more than likely slow down for a loan done in Compton.

I'm not a racist. So I can confidently say that after working in the mortgage industry for several years, I've found that these "X company hates X race" arguments are complete loads of crap.

Maybe Countrywide does suck, but please, try to be a little bit logical before playing the race card. America has had enough of it.


Left: December 10, 2005 By: In: California

to the former wells employee: i've been in the mortgage banking for 15 years. i started at wells, formally norwest, and worked for them for 10 years. the company was awesome to work for for 8 of those 10 until they hired this genius named brian hale. he said in order to get the stock price up the company must reduce the cost of producing a "widget", mortgage application. he first zeroed in on the operations side by getting rid of "costly" knowledgeable processors/underwritters. they hired unqualified, low paying processors to replace the pro's, and plugged them into a centralized center called the "map" or in CHL's case the "roc". next, he started in on the too "highly paid" loan officers. with the company's glossy, self-serving, propaganda newspaper he tried to convince l.o.'s that they worked for the best mortgage company in the world. he then started reducing income to l.o.'s by playing pricing games, reducing hits back, having the branch/loan officer pay for most of their markting material so by the end of the day the l.o. was making less money. his masterplan was to convince the employees of wells that they should feel lucky to work for the number one mortgage company, all the while funneling money from the hardworking, dedicated employees over to the stoke holders. the owners, vp's etc. started to exercise their HUGE stock options. the employees started to feel unvalued, which created division between operations and sales. this carried over to the way the employees treated their business partners and customers. it was vicious! i left wells for CHL in 2001. for three years i was in heaven. then CHL announced they were hiring this "guru" that was going to change CHL for the better. this "master of mortgages" was going to revamp CHL and make them #1 again.(at who's cost?) CHL brought this guy in to change the way angelo did business since 1969 because his business model was sooo much better. well, as any long time employee ( 5+ years) will tell you the implemented business model increased their stress and reduced their income. he pulled the wool over peoples eyes by offering propaganda that CHL was back at the helm of being #1,giving little perks such as the circle of excellence awards for first sales and now operations. being experienced with this pig at wells, i threw up and left CHL for the better. brian hales contract will be up shortly, and hope CHL will not renew it so they can go back become the company they once were. the vision of mr. mozilio and joe anderson must come back if CHL wishes to keep qualified, experienced, valued employees. otherwise, CHL is turning into another wells. good luck, junior!!


Left: December 10, 2005 By: In: California

and when did you get that jackass tat put on your rump?


Left: December 09, 2005 By: In: California

That was a Jerry Springer Final Thought...Deep! Real Deep!




Left: December 09, 2005 By: In: california

I currently work for Wells and am moving over to countrywide. I keep reading on here that you say that countrywide is trying to force lower appraised values of homes. This I have a hard time believing since it is not in the companies best interest to do so. If the home doesn't appraise then you cannot do the higher loan amount. This would mean less money to service and thus less profit or income to all parties. As for discriminating against minorities there are agencies which monitor the percentage of loans given to minorities and countrywide is right in line with all other companies with their programs and percentages. With regards to those of you who have had problems with their customer service or sales through the internet or 800 #, this is unfortunatly going to be a problem with any company you go to. I am leaving Wells Fargo for the way that they treat their employees and have been heavily recruited by several large mortgage companies. I have choosen countrywide based on their reputation in our area, the diversity of their products and the employee comp plans. People don't ever understand that when you contact someone via 800# or internet you are getting someone who is nothing more than a minimum wage type of employee. There is no money to be made there, and if they were decent at their jobs they would work in a retail location or a broker on commision only. You need to feel comfortable with the person you are dealing with, if you don't, then you should either ask to work with someone else in the office or talk to another lender. We are not all bad, and most of us love our jobs and what we do. For that reason we are very sucessful and have most of our business coming from referals. Hope this helps people better understand that you will have these kinds of issues no matter where you go you just need to be selective of the person you use and like everyone else said read the paperwork and ask the questions.


Left: December 09, 2005 By: In: California

so is your ass bigger than brian hales now from eating all those fruit baskets?

how does angelo stay so tan all the time?

does megan have hemerhoids?



Left: December 08, 2005 By: In: California

I am a borrowr who found out i paid for my own fruit basket....greddy people is the problem, then they foreclosed my property without notice


they also charged me a $65 fee from those offices I am told was not right...

Gee Wiz, this is Countrywide Sucks Board Website, not I Love Countrywide Website.

As you can see by the board so filled up with complaints..I guess you are not understandinh the purpose, it is a bitch a moan board, not anything but.

Thanks for reading our bitching...Countrywide pays you for it? Nice.


Left: December 08, 2005 By: In: California

Gee wiz and I doo mean wiz

If you are Pissed off about somebody buying a fruit basket with the profits I cant even feel sorry for you dawg




Left: December 08, 2005 By: In: California

Her Dog is will be licking alot of sacks, hers to begin with....

Megan Fink, Area Sales Manager who actually funnels the money charged to customers as Processing or Underwriting fees to her own daughter's business that makes the gifts they send out in appreciation of them doing a loan.

Get it? She actually makes the customers pay for their own gift and Megan Fink's daughter makes on the $$$$$$ on making baskets they send out...WOW!!!

Talk about lcking....Megan has decided that laws and ethics don't apply.

More plastic surgery, more payroll fraud.

Think about this....THe SEC, HUD, Dept COrp, Labor Board .....have all been notified of the criminal actions of Fink and Bianchi, so we ALL know where you are coming from with your post........

You are the dog licking that fat sack of Megan Fink. Fat, Lazy, and ugly is the way of the Fink's!

What will they say about those feees charged, listed as something, yet went to a gift you will recieve....no disclosures about that...dumb ass criminals in most eyes, thinking they are above any Govt Actions.

Bianchi, Fink, VP of Legal Lori Shead, Lyol Brumby, they are all conspirators.


Left: December 08, 2005 By: In: California

Don't be jealous that Megan wont loan her dog to you to have your sweaty nut sack licked.


Left: December 07, 2005 By: In: California

Yep, the jock strap is being worn by Megan Fink, the fat pig in Southern Claifornia. She has Balls!


Left: December 07, 2005 By: In: California

Does anyone have any info on the new K-mart® Martha Stewart™ limited Jock Strap collection?


Left: December 06, 2005 By: Latesha In: Oakland

Countrywide regularly discriminates against minority borrowers especially African/American and Hispanic borrowers. How can that be so when they offer their lip service House America loans? Because if you compare the number of loan applications for minority vs white and then see the disparity in the numbers for minority loans denied or shunted off to high cost Full Spectrum Lending loans then you’ll see the pattern emerging. Compare loan processing times for both groups and you’ll see that Countrywide simply does not take as good care for their minority borrowers. The numbers speak for themselves. Inner city loans are just not processed with the same urgency as loans in Santa Barbara.

If you feel you have been discriminated against in applying for a loan or the processing of your Countrywide Home Loan then contact your local Inspector General’s Office for the Dept of Housing & Urban Development (HUD)



Left: December 05, 2005 By: Eddie In: Burbank

I was cheated, lied, and harassed by
Hovik Shahinian, branch manager prior Burbank office, currently in Glendale,CA. Please stay away from Hovik Shahinian and the employees that have been working with under his guideance so you dont go through what I did. Hovik Shahinian should be "fired" along with the cheating employees of his.


Left: December 05, 2005 By: In: California

I know of sexual harrasment by one of the people mentioned. I currently work for the Company in SoCal.


Left: December 05, 2005 By: In: California

Could we talk ?

countrywidecomplaints@yahoo.com

please contact me, all is confidential. thanks.


Left: December 05, 2005 By: anon In: Encinitas

John Bianchi has forged docs when needed. he did it with one transaction I was involved with a few years back.


Left: December 05, 2005 By: In: California

Please contact us with any information about the following scumbags at Countrywide...

John Bianchi
Megan Fink
Lyol Brumby
John Gillis
Ron Greenwald
etc
etc

If there is any information or dealings, please email us at...

countrywidecomplaints@yahoo.com



Left: December 04, 2005 By: In: California

WE ARE LOOKING FOR ANY BORROWERS OR EMPLOYEES (CURRENT OR NOT) THAT HAVE HAD BAD DEALINGS WITH THE SOUTHERN CALIFORNIA REGION.

IF YOU HAVE HAD BAD DEALINGS WITH JOHN BIANCHI, MEGAN FINK, AND ANY OTHER OF THE TOP MANAGEMENT WHO DESTROY PEOPLE AND THEIR FAMILES WITH THIER GREED AND CRIMINAL BEHAVIOR. ANYONE WITH SIMILIAR DEALINGS THAT INCLUDE BEING HARASSED, PRESSURED, RETALIATION, OR ANYTHING OF INTEREST, PLEASE CONTACT US.

A GROUP OF EX-EMPLOYEES AND BORROWERS ARE FIGHTING BACK WITH A MASS NUMBER OF COMPLAINTS BEING FILED IN SOUTHERN CALIFORNIA.

COUNTRYWIDECOMPLAINTS@YAHOO.COM



Left: December 03, 2005 By: In: California

Current Customers should call customer Service and tell them you want NO CONTACT 1-800-669-6607

That means:
*No emails
*No Phone Solicitations
*No Junk Mail

Get customer service reps name and employee ID# and make a note of it.

Countrywide gets around the do not call list because of a loop hole that allows them to call their current customers. Why do you think they buy so many mortgages? So they can call you and sell stuff to you is one reason.


Left: December 03, 2005 By: CJ In: Pasadena

Wilson - That's part of Countrywide's strategic plan. You have to use their appraisers. They also make you use their title and escorw company if you dont put your foot down and ask for a different company. These affiliated business arrangements companies start with the name "landsafe". Landsafe appraisers are not independant because if they come in high too much they dont get any more appraisals to do.

One secret Countrywide doesn't want you to know is if you sign closing papers and then recind the loan during the 3 day recision period YOU CAN DEMAND YOUR DEPOSIT BACK! But only if you sign closing docs and then recind the loan. Simply canceling will not get your deposit back. Be sure to send a registered mail return rec't notice during the 3 day recision period to both the closer and lender.

Sorry you got screwed. Countrywide typically foot drags on getting payoff information to other lenders that are refinancing a current Countrywide loan. They then sick their telemarketers on you to try to give you a competitive bid to refinance you into another Countrywide loan. They also give the tap dance about how great a company they are and wouldn't it be great to stay with them. Other brokers can typically beat Countrywides offers left and right. Why does Countrywide charge more? Because they believe their own crap doesn't smell and thet people will believe in it so much they will buy into it too.

Wilson hope this help. Lets get the word out on this.


Left: December 03, 2005 By: Bored internet surfer In: The web

This is for the first lady who said she filed bankrupcy after she divorced her husband- getting married and divorced is part of being a grown up- if you cant handle things between your ex-husband dont sign a mortgage with him- And pretty much everyone on this site needs to learn how to spell..


Left: December 02, 2005 By: dwilson In: rosamond,ca

I must admit, I've had a change in opinion at CWF. I've been a customer with CW for the past 8 years. They were not my original lender. However, I decided to refinance and initially had gone ALL the way with another lender (except sign final papers) until I was contacted by CW. They told me they could offer me a better rate than the other lender and to inform this lender that I changed my mind for I'd been given a btter rate. Well, the other lender was p'od because I had gone through all the rigors and was at the final stage when I pulled out. Well, that was 45 days ago and my refinance loan with CW still hasn't closed. The appraiser sent admitted he wasn't the actual appraiser and was a stand-in who turned in a appraisal 30,000 than the appraiser I had received from the other lender. After checking the comps in the area (all within the range of what the appraisal of the other lender) CW was aware that the appraisal was incorrect and would not -- I repeat --WOULD NOT order a reappraisal. Instead they went with this "admittingly bogus" appraiser 120 miles out of the area. I called their corporate office this morning, to no avail. I perturbed because I had everything done and finalized with the other lender and I pulled out! My holiday has been thoroughly messed up thanks to them.


Left: December 01, 2005 By: $2B Region slowly going south In: California

There was a time when you could call a area/branch manager with another company and tell them you work for CHL and they would be chomping at the bit to find out what they need to do to get a foot in the door. Now when I call on these types of people, they tell me "You're with the wrong company, why don't you come on over to my good company."
What has happened to our good name!


Left: December 01, 2005 By: #1 S.E. Producer In: HotttLanta

Region 18 - the Atlanta, Ga market is falling apart. If your company is looking for a good RM, ASM, BM, start picking because they are primed and ready. CHL has gone and hired 1 knucklehead who brought in 2 of his buddies, to oversee that region and top producers are either quitting or are being fired monthly. The 3 clowns in place have no experience to run a market like HotttLanta.


Left: December 01, 2005 By: Big Buc's Fan In: Charlotte, NC

If you are a responsible citizen and have a truly legitimate gripe, then this comment is not for you.
Thank God for people like Michael Harmon, former CHL employees. Michael did not defend or discredit CHL. What he did do was offer to assist anyone needing help. Some of you adults are in financial trouble now because your parents never taught you anything. Now you are parents and not teaching your kids. If you can afford it, buy it, but don't try to keep up with the Jones'. Why are married couples each making 6 figure salaries, living paycheck to paycheck? Always got your hand out borrowing to payoff something. How 'bout this. Before you borrow another dime; cut your cable off, don't eat out for breakfast/lunch/dinner, stop smoking/drinking, cut back on cds/dvd's, stop buying every fad shirt/pants/shoes that hit the market, etc. You do this for 2-6 months and you will see the money that you worked hard for going into your bank account. Some of you have expensive cars, expensive homes and clothes, yet your children don't have a dime saved for them towards college.
To go off the subject - some of you send your children to school expecting the school system to teach them manners, how to read/write, that's your job!!!!!!!!!
No matter what color, race, religion, we all want the same things. When people try to give some of you knuckleheads good advice, take it. Stop waiting for Oprah to tell you what you already know is right. And stop making the excuse that your mom or dad never taught you.


Left: December 01, 2005 By: CHL Processor In: Westlake Village, CA

Hey dont rag on the 19 year old pot smokers. If the managers weren't such hypocritical assholes maybe we could get some work done and not be so stressed out. We have to toe the line on how much time we work plus overtime to get files done. The processing here is horrendous and not all customers are treated alike, meaning we take the easy files and decline anything challenging. That's some fair housing for you, NOT!

The VPs come in late, leave early, take long lunches, get all kinds of personal calls and basically hide out so if we need help, too bad.

Countywides drug policy is a joke and a violation of the Drug-Free Workplace Act of 1988 since they contract to do FHA and VA loans. Why isn't the gov't doing anything about this company?

Loan disclosure papers are supposed to go to the borrower within 72 hours of application. Just because they get printed doesnt mean they get sent.

If we sit on your loan and the interest rate lock expires because we are slow to process then too bad you get the higher rate if we got to re-lock it.



Left: November 24, 2005 By: decline t state In: wont say

I currently work for CHL and I would have to agree it sucks. In fact as soon as I can find another job I will be quitting as I was just informed I could be terminated for not trying to sale our bullshit products to the sorry saps wo already feel for the CW bullshit. Boy I can't wait to tell my TML where he can take this job



Left: November 12, 2005 By: In: California

It is an out of control company and think about the fact that this employee posts here on this board. hahahahah

joke is right


Left: November 12, 2005 By: In: California

what a joke


Left: November 12, 2005 By: n/a In: southern california

I strongly believe countrywide does what it can, being the size that it is to accomidate its customers in every way possible, for employyes pissed about missed bonuses, you cheap bastards your getting paid to do your job and i personally see people making thousands extra in bonuses so just because your not, dont be bitter. your getting paid extra to DO YOUR JOB! I was trained to be number one when it comes to appeasing and helping customers. realize when theres bad service everyone hears about it, when theres good service, very few people voice that. its how statistics work. CW is in the top 5 as far as cust service and they teach everyone to strive to do better. they treat thier employees alot better than most places and that in turn makes us care about what we do and care about who we service. grantid as with any job there are fucked up people. people within the company who just don't care, but theres many MANY who care a great deal. CW doesnt hire just anyone, and sometimes a few bad seeds get in. they are strict but professional..why is this bad? ive got plenty of dings on my record there because i messed up..but im not going to take that out on them. I strongly feel that lenders and branches are misleading home owners and I strongly urge every screwed over cust to file a complaint, even if its a CW branch. there are many pieces of the puzzle at CW and you cant blame the whole corp for the few bad seeds. i deal with many unhappy people all day, and i strongly empathise with them..read your documents people, why you are just going to belive anything you hear from a broker is fucking insane..only you are to blame if u get taken by someone making commision off your loan. these are private people really i belive just there to get ur money. after they sign thoe papers they have no other obligation..easy job huh? 99% of them dont even know how a mortgage works. no one gets anything for free, its a BUSINESS and the reason we grew soo darn large is because we dont forget that..but we also realize without customers we dont have that. its a great place to be and im proud of the history with this company and the strength and dedication I see evryday..ok, the numbers thing sucks big time, but again BUSINESS..btw..if you got ur loan throuh wamu or b of a or wells...guess what? ill bet you money, cw survices it, these companies are too lazy and innefficiant to take crae of thier own issues..


Left: November 11, 2005 By: In: Tempe, AZ

those who know a individual by the name of cecilia alvarez, please QUIT!!! you think you are doing a good job, take a good look at yourself! YOURE NOT! you dont deserve to be in Arizona go back where you came from. You treat people no good. you only show the good side whenever upper management is around!


Left: November 11, 2005 By: In: Calabasas, Ca

I WANT COUNTRYWIDE FINANCIAL TO GO OUT OF BUSINESS. ESPECIALLY THOSE WHO WORK IN SECONDARY MARKETING! THAT WHY THEY CALL YOU SECONDARY ITS ALL IN THE NAME!!!


Left: November 11, 2005 By: In: Rosemead, Ca

I sent a COURT ORDER in behalf of Countrywide Home Loans and I wish everyone here should join for those who got ripped off. They will be expecting something soon. The more COURT ORDERS we get the justice will take effect


Left: November 11, 2005 By: In: California

Does anyone have any info on the new K-mart® Martha Stewart™ limited Jock Strap collection?


Left: November 10, 2005 By: Connie Brown In: Fresno

Racketeering Influence Corrupt Organization, (RICO)is thriving and doing well in Sacramento, Ca.

Countrywide Home Loans dba's American Wholesale Lenders, Landsafe, Full Spectrum, Texas Bank (Riverway) and Alaska US are just some of the names that Countrywide Home Loan's is using.

Countrywide Home Loans has their own title company. (Landsafe Title)

CTC Real Estate Service is wholly owned by Countrywide Home Loans. They handle's all notice's pretaining to foreclosing for Countrywide.

Both Judge's in the Superior Court has received on more than one occasion Full Reconveyance of their property.

Bankruptcy Trustee has chapter 13 properties recorded under his name at the Sacramento County Recorder's Office.

The attorney firm that represented me has also received Full Reconveyance of their property.

Recently, a couple found themselves in trouble falling behind on their mortgage the attorney that was representing them in a unlawful detainer case somehow convince them to sign over approx. $80,000.00 to be given to individuals that they did owe. Upon investigating I found Countrywide Home Loans neck deep in the paperwork. (Buyer, investor and the attorney.

I am wanting an appeal in the Federal Courts to prove that Countrywide Home Loans is guilty.

Brownchrl@aol.com

I should have had my day in court.

Did you know homeowner's that when a clerk record's Notice of Default and there is an error the Daily Recorder Office Newspaper will send all paperwork back to the originator without publishing the notice but the clerk's in the County Recorder's Office will not reverse their entry due to the volume of work that is received everyday?

That mean's that if the originator never sends the corrected document back to the Daily Recorder's Newspaper it never gets publish and therefore the procedure outline under Civil Code 2924 regarding foreclosure is nulled and voided.

In my case Countrywide Home Loans did not follow those procedures and yes I have more than enough evidence and documents to prove it.




Left: November 08, 2005 By: In: California

The lenders are required to provide documentation and are regualted by the diclosures....the borrower does not have legal reasons to return paperwork as required by any regualtory agency.

The post previous shows that the Loan Officer who postred from Cwide is just like the Execs there.

They blame the borrowers for being criminal scum. Enron was big folks B$ they got crushed by errogance and crime. Cwide is right there...big time cover up of fraud etc...payroll fraud, sarbanes violations and alot of lending violations that I will personally be testifying about against borrowers.

In SoCal if you do business with or know of Bianchi or Fink, you know they are as fruity as they come and they are both f-ing criminals. That fat ass fink tried to get plastic surgery but she is still a fat ass plastic peics of shit...she is on tape with her stupidity, and now she is inviolved in fraud.

Megan Finka dn John Bianchi are scumbag criminals, like Wentz, Mozilo and the rest of the scum at Cwide...

If you must use Cwide, use a broker. If you go retail you are against a LAWYERS machine if things go wrong...no recourse unless you sue.

These scumbags are a ticking time bomb and the news of suits already filed are getting out.




Left: November 06, 2005 By: P-D@CW In: California

ok then, i did my end right and on time no late payments and an above average credit score, there is no record on my credit report i ever even made one payment they "cw" said they could not help me i was on my own. true story! also recorded deed wrong,cost meeee!!!! thousands of dollars & 8 mo. to fix, by the way whats so good about that you stupid jackass"s that stick up for these unprofessonal assholes, i will bad mouth them till they make right w/ me ,APROX. 12,000 DOLLARS F---N BASTARDS


Left: November 05, 2005 By: Hector In: Korea Town (L.A.)

Read your final paper work people. Don't expect a great loan with crap credit. Brokers hide their fees and claim to have 0 points. You end up paying the same but you have less of a tax write off because only points are tax deductible. Free loans do not exist. Loans take time. Countrywide has unfunded loans after the recesion period when borrowers have complained. They are not required by law to do this and no other company would do this. The mortgage company is a shady place and Countrywide is one of the better companies. I have done loans for people who were going into foreclosure and I didn't earn a dime because we had to cut the price so much in order for the borower to afford his monthly payment. I make a lousy thief. If you write a letter complaining please tell people your credit score and your lack of equity. Also write how you lagged turning in all of the requested paperwork. Finally please tell everyone how you signed the final paperwork then turned around and complained that the loan wasn't what you wanted. "But it differed from the original paperwork!" That's because the Good Faith Estimate is just an estimate! Furthermore, if your appraisal came in short all bets are off. Your loan will change with any company if this happens. Just because you don't understand what happened with your loan doesn't mean you were duped. Read your documents slowly, ask questions,do not expect a better loan than what you qualify for.


Left: November 04, 2005 By: Anonymous In: Rosemead, Ca

I am from California and I would like to say that Countrywide Financial is not a very good company to work for. Not only they cheat their way over customers but the managers specifically from LSCredit, that's LANDSAFE CREDIT, are no good, they dont appreciate someone that is still learning the processes of new people that are working. I was once working in Landsafe Credit and shoot forget about it! This company really wreeks! I had to get out of that nonsense department. I sure wish they do something. They are violating a lot of rules and regulations. Trust me I have been there. I worked to hard and it is not worth working hard when your work is not being appreciated. I want to file a lawsuit with this company soon. Goodbye Countrywide Financial, I hope more people complain so that we can be this company to justice. LANDSAFE CREDIT PLEASE DONT KEEP YOUR COMPANY, TO ALL EMPLOYEES OF LANDSAFE CREDIT BECAREFUL OUT THERE, LANDSAFE CREDIT IS ABUSING YOU, LOOK FOR ANOTHER JOB! OR PURSUE WHAT YOU HAVE STUDIED IN COLLEGE. LANDSAFE CREDIT IS NOOOO GOOOD..


Left: November 04, 2005 By: In: California

As of today the only way Countrywide home Loans gained the top spot was by recruiting away from Wells and Wamu, it was nothing but that!!!!

The people are starting to figure it all out now, cwide is a bunch of fat ass pigs like Megan Fink and HJohn Bianchi....illegal criminal scumbags!!!!!!!!!!!!!!!!!

The reputation is catching them now, others do not want to work for cwide due to upper managem,ent.

I PREDICT CWIDE WILL LOSE MARKET SHARE GOING FORWARD AS OTHERS GAIN. THEY WILL ALSO BE AUDITTED BIG TIME!!!!!

When a Company facilitates fundings with no notarty present and numerous lending violations against the public, it is criminal and will be purusued as it is.


Left: November 04, 2005 By: In: California

Lets get this straight. Cwide makes a ton of money by using very deceptive practices and they also have major major non compliance of HUD and other regulatory violations including big time labor settlements and future/curtrent complaints already filed.

Just because a Company makes money does not mean they are ethical or honest.

When the CEO Mozilo has information that there is serious Sarbanes violatrions and does nothing about it, well you have top of the line involvement in it at that point. I have proff that Mozilo recieved information claiming such and did nothing about it. Kurland was also included on the confirmed note. So if the top executives destroy 1000's of peoples lives trying to cover up the FRAUD that exists at Countrywide Financial Corporation.

This is a Company of lawyers folks, just like insurance companies. Go try and complain. go try to get an answer to missed fundings, disclosure violations etc....

Dan Hanson, John Bianchi, Megan Fink, Tom Hunt, Joe Anderson, Rick Wentzs (Genral Consel), Ron Greenwald, Mozilo, Kurland...they all were informed of fraud and the ability to prove it, yet still ignored it and forced filing of complaints to agencies to get help.

Why would a toip lender have QC audit reports that show big time risk created by being out of comolaince and funding loans that were down right illegal, funding loans with no notary prewsent facilitatyed by the Company.

Just becuase there is a company like Countrywide to get things done easily, does not mean they are doing it legally piker!

The scum there is just that and if the CEO and Pres are scum, well it all flows down hill. good people at places for sure , but if your top superiors are criminals and scum well, now you see why a whole site and sooooo many stories about this Company of FRAUD.

I have proof they committed FRAUD upon others!!!


Left: November 04, 2005 By: In: California

Sure why not?
Our fungus like government will allow companies like CW to fuck us over as long as they get their fair share of the loot (taxes). customer service after the fact sucks. it's just not CW, it's all over America. all efforts are spent on sales and advertising, then after you sign on the dotted line, you are not a valued customer any more- you're just a mother fucker!


Take an example from the Japanese companies operating here- making jobs for Americans in this country-they have a different philosophy on customer service/ quality...and it shows. the big three (auto) all down. Honda, Toyota, etc. all up in sales- record year(s). I don't even have to mention their quality far surpasses any of the big three.
I fear the "melting pot" has become brainwashed and mediocre in general at best. (not everyone or everything but a large percentage).
Hell, everywhere I go, I have to be bothered with choosing an English or Spanish menu. (phone , ATM, everywhere) all foreign countries have it mandatory to learn English before graduation from high school. What's up with that holmes? When the European immigrants came here over the years in droves, they had to adapt learn the language and survive- and they where very influential in the building process of this country. Now, you get catered to and get the breaks and benefits while brining the economic system down to its knees.


And by the way, I don't think 9/11 has anything to do with CW or banding together.




Left: November 04, 2005 By: In: California

Oh Almost forgot, As of today November 4th, 2005. COUNTRYWIDE HOME LOANS IS AMERICAS #1 RESIDENTIAL LENDER! I hope you all understand this. I LOVE COUNTRYWIDE HOME LOANS!!!!! AND SO DOES MILLIONS OF AMERICANS.

I think many of you forgot what happened in NYC on 9/11. ARE WE AMERICANS? IF SO, START ACTING LIKE IT. COUNTRYWIDE HOME LOANS IS AN AMERICAN COMPANY, PROVIDING JOBS FOR AMERICANS!

NOT LIKE MOST COMPANYS THAT MOVED THEIR COMPANYS OVERSEAS FOR CHEAP LABOR. WAKE UP EVERYONE!



Left: November 03, 2005 By: TO: mary ann pennington In: FROM san diego In: California

I'm very sorry that happened to you. But lets not blaim the whole company for someones mistake. Countrywide is ideally a good company especially when it comes to senior citizens, thank you for choosing Countrywide in the first place. About your loan, is it a one family?, how much do you recieve in pension, SS, etc. per month? Whats your mortgage amount? whats the value of your home? Are you late on your mortgage, and if so, how many months? Do you want a HELOC, a fixed second, cashout, no cashout, fixed 3,5,7,10,20,25 or 30?, if you want to lower your monthly, i'd recommend doing an MTA payoption program. multiply whatever you owe x's 3.21 and that'll be your minimum monthly payment; thats just one of the options you'll have the other (3) are: 30yr amortization, 15yr amortization and interest only payments. Call your mortgage consultant and tell him/her you want this plan. He/she will order an appraisal that should take less then 3 days to do, the mortgage consultant will help you with the title insurance, then schedule closing. Thank you for allowing me to help you. God Bless!


Left: November 03, 2005 By: mary ann pennington In: san diego

I am a senior citizen and I got lost in the re-fi of my home. Who can I contact to help me?
I live in San Diego County and am 70yrs old. I needed to lower my mtge pmnt and was trying to sort out what to do when I received a phone message "we can lower you pmnts and only
950.00 closing fee" then a week later I received a call from their office again stating I was a good customer and they could lower my payment etc. Told them I needed to do this could they help with an interest only payment of a lesser pmnt plan. They asked for documents that I provided, the close date was Dec20th.Papers were sent dated Dec 20th, 5 days later they called and said the documents they sent were null and void--they had to redo the loan for Jan 20th.By that time I was two months down on my mtge pmnt and was very fearful.
Then the sent new document to sign by a notary to my home and I signed like an idiot--I am bi-polar and am on antidepressants and I am sure I just couldn't fight back or had no where else to go.
In the end I went to see them and they were not as friendly and said my credit rating affected my loan although I never saw the credit report.
Later I found their offices had reported two late mtge pmnts on my Equifax report.
Also the falsified my income on their form that went to the underwriter.
The net abuse is $21000.00 acquisition and closing costs-early payoff penalty and an Arm so my rate will continue to rise.
I may soon be in foreclosure and 10 days ago I received a letter from them on a new plan to lower my payments by over half.
They treated my like real consumer then I got old and they just shined me on.
When I asked to fix my credit report they said they do not do that--so I had to call the presidents office.

Please can you help me make them do what they should have done, I don’t want to loose my home.

Thank you,
Mary Ann Pennington
Phone 619-475-7406
E-Mail MryAPnn@aol.com



Left: November 03, 2005 By: I LOVE COUNTRYWIDE! In: California

Those who are still employed for CHL, take a 6 month vacation, go to wamu for 3 months then a broker operation for another 3 months/ when you come crying to us because you MISSED us desperately, guess what? We don't want you because we found out who each one of you are.

Here's a little story; Dr. Wayne Dyer was on a florida beach and a couple confronted him and asked him, "how are the people in Florida"? Dr. Dyer replied," how are the people where you're from"? they replied the people from Arizona are rude and back stabbers. Dr. Dyer said well they're like that here too.
Then there was this other couple who asked him the same question. "How are people here", he said how are the people where you're from"? They said, people from Ohio are warm, nice, giving, and happy. Then Dr. Dyer said, they're like that here too.

Hopefully, most of you got it and those who didn't will continue living a wasted life. Live with Passion! Go Countrywide.


Left: November 02, 2005 By: In: California

I WORK FOR THIS COMPANY. AND I'M A PLATINUM PRODUCER. THOSE WHO GOT FIRED, I'M GLAD! WE DONT NEED NEGATIVE PEOPLE WHO HAVE NOTHING BETTER TO DO! IF YOU WANT A PROFESSIONAL CAREER? THIS IS THE PLACE. JUST REMEMBER, IF YOU'RE LOOKING TO CUT CORNERS AND OR DO SHADDY BUSINESS, THIS IS NOT THE PLACE! WE ONLY LOOK FOR THE BEST, WHO HAVE PASSION TO SUCCEED, HAVE A GOOD HEART, AND WHO TRULLY WANT TO HELP POTENIAL CUSTOMERS BECOME HOMEOWNERS. CHL IS AMERICA'S NUMBER #1 RESIDENTIAL HOME LENDER.

PS. To that girl who thinks she was being harassed, take it to your ASM- Then Just tell him/her that you love Countrywide and want a tranfer. Immediately, pack up your stuff, go to your branch of choice and thats it. We do not tolerate that. Period!

I love taken deals away from other banks that promise their customers the world! The bottom-line, NOBODY can beat COUNTRYWIDE HEAD TO HEAD! We will always dominate!!!!! GO COUNTRYWIDE and THANK YOU ALL THAT STAND UP FOR WHAT YOU BELIEVE IN DAY IN AND DAY OUT!


Left: November 02, 2005 By: PAY YOUR BILLS ON TIME! In: California

I HOPE THIS WAS A LESSON TO ALL. BOTTOM LINE, PAY YOUR BILLS ON TIME, QUIT USING THE EXCUSE THAT COUNTRYWIDE DIDN'T SEND YOU THE BILL.

NEXT TIME YOU'RE INTERESTED IN BUYING A HOME(S) CONSULT MANY BANKS, DON'T ALLOW EVERYONE TO RUN YOUR CREDIT BECAUSE IT LOWERS YOUR FICO SCORE, GET A COPY OF YOUR CREDIT REPORT (ASK THE MORTGAGE CONSULTANT FOR IT) ASK FOR GOOD FAITH ESTIMATES, FIND CONSULTANTS WHO ARE WELL KNOWN IN THE COMMUNITY AND NOT JUST DRIVE BYS. GET PREQUALIFIED BEFORE SHOPPING FOR A HOME. KNOW YOUR BUDGET. DON'T BE FOOLED WHEN MORTGAGE BROKERS "LOW BLOW" YOU WITH AN INTEREST RATE. I KNOW MILLIONS OF BROKERS THAT DO THIS. I CAME FROM A BROKER COMPANY AND LEFT IT BECAUSE THEY CHARGED HIGHER RATES THEN COUNTRYWIDE. DON'T BE FOOLED- NOBODY BEATS OUR RATES- KEEP IN MIND, COUNTRYWIDE DOES NOT I REPEAT DOES NOT CHARGE ORIGINATION FEES ON CONVENTIONAL LOANS--

PEOPLE! THATS WHERE BROKERS CHARGE YOU EXTRA POINTS. OUR POINTS ARE CALLED DISCOUNT POINTS AND COULD BE FOUND IN THE GOOD FAITH ESTIMATE. BROKERS HAVE DIFFERENT NAMES ON THE GOOD FAITH ESTIMATE LIKE: BROKERS FEES, DISCOUNT POINTS, ORIGINATION FEES, COMMITTMENT FEES, BANK FEES, TO NAME A FEW. FOR EXAMPLE, LETS SAY COUNTRYWIDE IS GIVING YOU A 6% WITH 1% DISCOUNT POINT AND ABC MORTGAGE IS QUOTING 5.75% WITH 1% DISCOUNT AND 1% ORIGINATION FEE AND $500 BANK FEE. WHATS BETTER? WELL, ON A $300,000 DOLLAR LOAN, WITH US IT WOULD COST YOU $3000 AT CLOSING BUT WITH ABC MORTGAGE IT WOULD COST YOU $6,500 AT CLOSING. WITH THE SAME MONEY THEY'RE GOING TO CHARGE YOU, YOU COULD GET A 5.50% WITH US. READ THE FINE PRINT PEOPLE!!! AFTER YOU DO THIS I EXPECT AN APOLOGY FROM ALL OF YOU THAT COMPLAINED. NO OTHER COMPANY LOOKS OUT FOR THE WELFARE OF THEIR EMPLOYEES AND CUSTOMERS. WE ARE HANDS ON, TOTALLY CONSUMED BY THE BUSINESS, PERFECTIONIST TO PROVIDING EXCELLENT SERVICE WHO COME IN CONTACT WITH COUNTYWIDE, AMERICAS #1 RESIDENTIAL LENDER!



Left: October 31, 2005 By: R.E.B. In: Bakersfield

We are in the process of getting a home equity loan through Countrywide.
If, and I say if, we get any problems with CW as the others on here have, I will take personal action and contact all the local TV stations, BBB, and the other companies listed on here to contact if CW gives me any trouble whatsoever!
Also, I will picket outside their home loan office and make sure people know of this company and their practices! I can go on my lunch break since their office is right behind my place of employment! LOL


Left: October 30, 2005 By: In: California

cw sucks


Left: October 30, 2005 By: Patty Belcher In: Hilo, Hawaii

My loan was sold to Countrywide. I am finally going to closing (I hope!) next week, two weeks late. Countrywide wanted so badly for me to pay a $7000 prepayment penalty, which an amendment to my note said I did not owe. They made it SO hard to get that corrected. They requested docs from escrow, which had to be faxed three times, then they lost some of those docs, so they were faxed again, then when I got closer to being cleared of the penalty (just to make it more FUN I am sure!) they decided they needed different docs, which were faxed twice. Then they said that the purchase agreement, which buyer and seller and escrow found acceptible, lacked a buyer signature (note: buyer has no relation to Countrywide. Seller has the Countrywide loan). The buyer told me it was ridiculous, something like "I agree to accept this house from seller" or something like that. Not one of the important signatures on this contract. I believe they were trying to wear me down, so that as the weeks dragged on I finally would say, "Enough, just pay the extra $7,000 and the hell with it!" I bet they do make some extra money this way. I intend to NEVER use them again. Glad for this site! Patty in Hawaii.


Left: October 30, 2005 By: somewhere in california In: somewhere in california

I used to work in the sweat shop called Countrywide home loans. (Yes-"customer service")
If Union people are reading this, this is one company where everyone-except maybe the every other person they title "vice president..." will gladly join.

I sued and won. Cost them big bucks, especially in attorney fees.

All management in this company believes they are Gods.


They expected you to be in your seat exactly at 8:00 A.M. in the morning and be ready to handle customer calls. Problem is, it takes about seven minutes to load your computer.

Well, they really can't mention the fact that you need to be in your seat seven minutes earlier so you can pick up that call at 8:00 A.M.

(time for overtime-labor law and class action attorneys should love this one)

Oh, and they have a way of getting rid of the majority of people who file workers comp claims.

How this no good, miserable excuse for a company grew so big I do not know.

By the way, I saw a posting that they get no interest on those escrow accounts (LOL)

Anyone who believes that should have their head examined.

By the way, listen as the take rumers they love to throw around begin to sound loud and clear. This helps the stocks that their management owns. I don't think it has ever failed for them.

Oh, and as for the four percent interest on your money that they advertise in the news paper, well, read the fine print.





Left: October 29, 2005 By: In: California

when theyscewed up my loan they told me i was on my own nothing they could do to fix it so it cost me over 4000 dollars to fix the problem they had recorded my house wrong aspayed for in full by me i held the deed sounds great but it wasnt i could not sell or refi because of this cloud on my title also i never had any late payments so im not one of those you guys talked about, always late and create your own problems. so after about 9 mo. & 4500 bucks ifixed it my self, SO F.U. c.w.


Left: October 28, 2005 By: In: California

You are right. I have had dealings with him and he is not an ethical person.

Alot of competitors refused to be recruited into his area because he is such a flake.

Rosemead!


Left: October 27, 2005 By: In: California

John Bianchi of Cwide is a tool!

Ha, he is such a tool and in big trouble now, ha along with the other socal scum from cwide.

hahahaaa


Left: October 27, 2005 By: In: California

the question isn't whether they can do loans, it is what they do in return for complaints and things of their own fault.

so if you are a customer or employee and you have a problem, look for Cwide to harrass you and scoot you off with no resolutions.

I personally know numerous customers in SoCal that have been violated and the Company retaliated against them. People with families have their lives turned upside down by errogant criminals in my opinion.

Scumbags! Violators of laws for sure, documented!


Left: October 25, 2005 By: In: California

The Martha stewart Kmart Jock straps are custom molded to fit her balls. That's what I heard.


Left: October 24, 2005 By: In: California

cw sucks so bad even there web site sucks nothing but a bunch of b.s.on it.


Left: October 24, 2005 By: In: California

beware of cw


Left: October 21, 2005 By: In: California

Does anyone have any info on the new K-mart® Martha Stewart™ Jock Strap limited collection?


Left: October 20, 2005 By: In: California

If it is a wage claim, or anything with money owed, go right to the DSLE, Labor Commissioner..If you think you are owed anything atr all, file it against them.

Until you file a complaint with a Government Agency against them, their actions aren't clearly illegal although harrassing and retaliatory, at least to government agencies.

If you have been "foced to resign" you have only civil side unless it was after the report to the agency. If you filed unemployment immediately after resigining and made the claim they forced you for economic reasons you quit, they breeched a contract, and other possible scenerios.

It is Employment issue, but if the employees who were violated in same regions remain available to the others in the same region, we can all testify to what happened to us and how in California the Company is doing this or that.

Also, if you know the Company is doing something that could harm the public, its shareholders, or its employees, file it wiht the Deparmtnet of Corporations.

I have the names of a few other Ex-Cwide Employees from Southern Cal that were involved with the same scumbags who treat everyone with no regard for the familes and lives they destroy in their errogance. It is cut throat and the only way they will listen is to file things against them.

IF ANY OF YOU HAVE DEALT WITH A SCUMBAG BY THE NAME OF LYOL BRUMBY IN HR EMPL:OYEE RELATIONS< PLEASE LET ME KNOW. HE I S A SCUMBAG AND MORE THAN LIKELY A CRIMINAL FOR HIS ACTIONS AGAINST EMPLOYEES AFTER COMPLAINTS INTERNALLY WERE DEALT WITH.


Left: October 19, 2005 By: sheila In: California

TO EX-EHLC TOP PRODUCER

Thanks for the advise. I tried different routes but insiders are sweeping everything under the rug. I'm a top producer too, and I was written up for production because of the complaint I made to ETHICS HOTLINE. I took the harassments for a long time until I can not take it anymore, so I consulted with a lawyer.

I am very unhappy as I didn't really want to leave. I've been with the company for years but I worked for this manager for just a few months. He is really "shady". I made a request for transfer but he denied my request. He would rather see me fired!

To all employees,

There is no such thing as confidentiality of info you submit to HR or Ethics. You'll risk losing your job if you make a report, and at the end you will still be at fault, without them "conducting a thorough investigation".




Left: October 19, 2005 By: Ex-Employee of Rosemead In: Rosemead

Check it out Angelo Mozilo just sold 52,500 shares of CFC stock at $30.96 a share very shameful.

PS CW associates your cool, management can go to hell


Left: October 17, 2005 By: CHEF In: California

I DON'T LIKE MARTHA STEWART SHE DOES NOT SHAVE HER BAG!


Left: October 16, 2005 By: In: California

Kevin-

I am sure it is a special experience for you, but the truth only comes when you are knowledgable about what was supposed to happen and what the truth in the numbers say.

I would bet alot of money I could find alot of things that would make you rethink your attitude towards the Company.

Show me your settlement statement and I will show you alot of money you could have saved. Also, your loan and how it was disclosed could have been in violation, yet like many customers, they don't know the laws and regs lenders are required to provide.

The happy people who get loans are usually the ones who get taken a bit...Processing Fee, Underwriting Fee etc etc....

Did you know that at some branches at Countrywide they charge you an processing fee/underwriting fee and it goes to pay for the gift they send you for doing the loan?

seriously, in a socal branch, a top one in the nation, they charge the fee and pay for the gift baskets created and sold by the manager's daughter....alot of money for her!!!! big time
200+ loans, 200 x's 495.....!!!!!!!!! each month for a managers daughters business , pretty sickening actions by the Company.

Also, the Company tells EHLC's like me to use the Estimator worksheet to show loan breakdown. This is place of the Good Faith Estimate, which is a regulated thing. This "estimator" is nothing but a sheet with some numbers, not a GFE. Demand GFE's.

The Company is moving alot of resources to FLA due to the laz emplyment laws there it seems. Too many problems in Cali for the scum who wants to break the law and crap on the public.

Shareholders will not be happy eventually.

countrywidecomplaints@yahoo.com


Left: October 16, 2005 By: In: California

SHEILA-

There are no walls to the executive emails. There is a path you must take to show the organizational involvement vs. the branch manager being rogue.

As an ex-EHLC and a top producer nationally, I know the scum that comes out when you contact HR or Hotline.

Please note to all current and past employees, there is nothing that you agreed upon that says you must do what someone at HR says, unless it is lawful etc. there is nothing that says you must do anything they say or want you to do.

Furthermore, if there is a serious prblem IN YOUR EYES, go to the General Counsel of the Company and document all dealing with personal notes or emails to them. One thing for sure is the internal policies for bringing the Company to the attention of these actions. Although they do ignore, these types of correspondence is very very revealing and in the public eye and agencies eyes it shows the top level did or should have knowledge of it.

Look at the CEO on down and you will find and very big Goliath of a legal department that counts on the employees and customers to shoo away or come up with big $'s to pursue suits.

If there is fraud, compliance issues or ethics violations, contact and file with the Department of Corporations in sacramento. List violations possible.

Countrywide is the only Company in the the Lending industry that is not a bank. That means they are regulated by dep of Corp and that the Company can have its license pulled in the state. This is something that happened to Wells and other lender, but due to the Bank aspect, the Feds came in and said Dept of Corp could not take the license away.

Countrywide will be held accountable for these actions if you place it the DoC, and they will audit the hell out of them..scarey scarey knowing this Company. Cut too many corners trying to be #1.




Left: October 16, 2005 By: In: California

Jokers who try to stick up for the Company are shameful. The 41k employees has alot of unhappy ones, big time.

The company is a bunch of criminals relying on the Legal Department to hard ball you away. A loan that funds with a difference of a 1/8-1/4 pt is a joke to bring up. Cwide charges more because other lender cannot offer the same loans in the conventional market

if you are an ex employee in california , please contact me for information on how to contact the proper agencies and consel. The Company is well aware of serious deficinies with loans and I would say allmost all the loans are not properrtly disclosed.

The Companmy will crush anyone who complains, or at least try to crysh them.

countrywidecompliants@yahoo.com if you are from California and have been employed or cureently emplyed and feel they have pay issues or been violated.


Left: October 14, 2005 By: Kevin C. In: Arcadia

TRUE STORY BEHIND COUNTRYWIDE HOME LOANS!!!!

MUST READ!!!

I just refi with countrywide home loans. Some guy call me about 1 month ago and told me that i qualify for a refinance. I wasn't looking into it because i have an adjustable rate that wasn't going to change until next year but he said it was a good time to get into a fixed rate.

Not shopping around I said ok and let the guy put something together. He call me back with a 30 year fixed program at 5.75%. I told him that I would think about it and he did not push me to doing the loan.

I decided to shop around and found a few brokers who would offer me a 5.5% and 0 points. I was about to go with the broker, but when I asked who was my lender, the guy could not say and gave me some lame excuse.

The guy from Countrywide explained to me that I was getting the best rate plus they charge me no origination fee, only discount points which was used to buy down the rate.

I would definitely agree that COUNTRYWIDE DOES NOT HAVE THE BEST RATES but they do provide good service and I am happy to say my experience with countrywide has been a very pleasant one.


Left: October 14, 2005 By: In: California

Very happy With Countrywide Home Loans!!
I work for Countrywide and they also service my home loan. They are great to work for and if you pay your mortgage on time maybe you would not have a problem. I LOVE COUNTRYWIDE!!!

The situations described here are far and few between Countywide services about 7 million loans and have a lot of satisfied customers. They employ 10's of thousands of people who are very happy and dedicated employees. So if you are reading this website please do not believe everything you read. If you they told you to jump off a cliff you'd ya?


Left: October 14, 2005 By: Paula In: Escondido

Hello,
My original loan was purchased by CW. I have been with them now for just over 2 yrs. I have had the worst customer service I have ever seen with them. I worked for a very large mortgage company and can not believe these people at CW get away with treating people the way they do. I was having difficulity and was 1 payment behind. I had to make 2 payments to catch up and they wanted it made through western union. I made those to payments and another the following month, all through western union. The next month I received a letter from Western Union saying that my payments were rejected. I called CW every day at least 2 times a day and was continuously told that I needed to call this number or that number. I finely got through and the woman told me she saw that I had called about 10 times in the last week. I told her every day I couldn't get through was another day late and I needed help now! They said they wanted December's payment also. December's payment was not even due yet. They started forclousure proceedings against me and I had to come up with another 1,600 dollars for legal fees. They also made me 120 days late on one payment because of rejecting my payments and I was rejected for refinance. I now have to wait a whole yr to refinance if I want to get decent interest rates. When I called to ask if the 120 late could be reversed they refused. Yes...I will never do business with CW again and I tell everyone I know to stay as far from them as possible!


Left: October 14, 2005 By: Paula In: Escondido

Hello,
My original loan was purchased by CW. I have been with them now for just over 2 yrs. I have have the worst customer service I have ever seen with them. I worked for a very large mortgage company and can not believe these people at CW get away with treating people the way they do. I was having difficulity and was a payment behind. I had to make 2 payments to catch up and they wanted it made through western union. I made those to payments and another the following month, all through western union. The next month I received a letter from Western Union saying that my payments were rejected. When I called CW every day at least 2 times a day and was continuously told that I needed to call this number or that number. I finely got through and the woman told me she saw that I had called about 10 times in the last week. I told her every day I couldn't get through was another day late and I needed help now! They said they wanted December's payment also. December's payment was not even due yet. The started forclousure proceedings against me and I had to come up with another 1,600 dollars for legal fees. They also made me 120 days late on one payment because of rejecting my payments and I now have to wait a whole yr to refinance if I want to get decent interest rates. When I called to ask it that could be reversed they refused. Yes...I will never do business with CW again and I tell everyone I know to stay as far from them as possible!


Left: October 14, 2005 By: In: California

im back


Left: October 14, 2005 By: In: California

hello again


Left: October 13, 2005 By: Madatcountrywide In: L.A.

I have a friend who does appraisals for Countrywide. He has been doing them for over 30years in the same city. The home office in Texas disputed many, many of his apparaisals saying that they were too high. THe appraiser would not budge on the prices because he has over 30 years experience. To add insult to injury the Texas office stepped up and challenged him on certain black and hispanic areas saying, "well, even if the others are in the balpark the hispanic and black areas are not valued that high!"

Well, to amazment Countrywide has blackballed him and another senior appraisor for younger inexperience people so that people will get less for the value of homes that have gone trhough the roof because of the LA market.


BE CAREFUL GET A SECOND OPINION IF YOU APPRAISAL COMES IN TOO LOW!!!!!!


Left: October 10, 2005 By: ex-cw In: so. cal

they dont cry to much you idiots just dont do your job properly and think its ok. so that means your not assholes,your just idiots,so lets all start calling the better buisness buero on adaily basis eventually they will have to do there job right or shut it down.


Left: October 08, 2005 By: abuseabuseabuse In: nationwide

To Rosemead Employees

You guys cry too much!!! Angelo just forked out millions of dollars to keep you quiet. Too much lawsuits from you Californians so he moved the abuse to TX. Check out the site.



Left: October 07, 2005 By: ex In: los angeles

To: Ms. Aubrun Il. Your loan has funded in the Countrywide system so the Managers and AE's are getting credit for the loan that closed last month and you do not have your money. That is called the "Countrywide way". If you don't watch out if you are getting cash back the amount that you actually receive will be different.(Lower) No one cares if you get your cash on time. The loan officer has no control. He knows that you want your money. He will tell Management and the answer to the loan officer will be "It's not my problem. You need to get back on the phone and make more sales."
The funding department is over worked and understaffed they cannot keep employees because they treat them like they are in a concentration camp. I think that they get back at management by taking their time giving you your money. Every other mortgage company when you fund it means that the title company is able to disburse funds, but not at Countrywide. Many times it means that your Nightmare has just begun.


Left: October 07, 2005 By: ex In: California

To: Ms. Aubrun Il. Your loan has funded in the Countrywide system so the Managers and AE's are getting credit for the loan that closed last month and you do not have your money. That is called the "Countrywide way". If you don't watch out if you are getting cash back the amount that you actually receive will be different.(Lower) No one cares if you get your cash on time. The loan officer has no control. He knows that you want your money. He will tell Management and the answer to the loan officer will be "It's not my problem. You need to get back on the phone and make more sales."
The funding department is over worked and understaffed they cannot keep employees because they treat them like they are in a concentration camp. I think that they get back at management by taking their time giving you your money. Every other mortgage company when you fund it means that the title company is able to disburse funds, but not at Countrywide. Many times it means that your Nightmare has just begun.


Left: October 07, 2005 By: SHEILA In: ROSEMEAD

Ms. Auburn, did your A.E. explain to you the Notice of Right to Cancel. There is a 3-day rescission period after all loan docs are signed before they can fund. Your loan should fund after the 3rd day of the rescission period if there are no other compliance issues on your loan.

My apologies. I am an Account Executive for CW for a long time now. They just have been hiring all kinds of morons lately so when things go wrong they can blame it on the A.Es. My Production Manager tried this trick on me! Unfortunately, I adhere to the Countrywide's ethics and compliance policies. I tried different routes to correct the wrongdoings I had been noticing lately. To AEs, forget about going to Ethics Hotline, or HR! They will try to fire you if you shake the cage. Don't waste e-mailing the "BIG BoYS" because your e-mail will come back "Undeliverable". You have to crush a big fat wall, before you can go to the top. Don't talk to anyone about any wrongdoings, they'll label you "negative" and you'll be escorted out of the building right away. It's a very oppressive system. I've been trying to get out, but I make decent money. If you want to survive CW, just "SHUT UP, AND DO YOUR WORK, AND DON'T SCREW YOUR BORROWER" YOU ALREADY HAVE ALL THE MANAGERS UP YOUR ASS EVERYDAY, AND THE LAST THING YOU DON'T NEED IS THE BORROWER UP YOUR ASS.



Left: October 07, 2005 By: I should have gone to B of A In: Auburn

Who is running that flying saucer? Countrywide's underwriters would not close my loan until I wrote them an explanation as to why Countrywide requested a copy of my credit report. So, I wrote them a one sentence note, to wit: "The reason Countrywide requested a copy of my credit report is due to my application for refinancing with Countrywide". They accepted that. Also, when setting-up my application I had to have an appraisal done on the property so the loan agent charged the cost to my Mastercard. At closing I noticed that one of the closing costs was for an appraisal...and it was for more than the one charged to my credit card. H'mmm, I wonder if the appraiser received the $950 for an appraisal of an 1189 square foot townhouse? Also, all lending documents were signed on 09/29/05 and as of today, 10/07/05 the loan has not closed. Repeating, who is driving that flying saucer? Earth to Countrywide come in please!


Left: October 07, 2005 By: In: California

tell me about your settlement and what it was for if you would please. ex-employee about to sue myself....


Left: October 07, 2005 By: In: California

The best 3 years of a CW ASSociates life is the 8th grade. Very uneducated group of fucktards!


Left: October 07, 2005 By: Ex-Employee of Rosemead In: Los Angeles

Dude you have issues, but sounds like the place for you.

LOL FHA/VA , that is so true


Left: October 07, 2005 By: Rosemead 4th flr, nice view of golf course In: CASH

Hey Ex-employee. I still work at Countrywide and I love it, ripping off people makes me all warm and fuzzy. Plus I got my settlement check, damn thats sweet. FUCK Angelo Mozilo and management, especially are VP who walks around with a dildo up his ass. I just want to get paid, and charge points like a motherfucker. Tip for new employees always tranfer or disconnect FHA/VA info request. The incetive sucks, plus those loans never close, there a waste of time.

pimp out


Left: October 07, 2005 By: Ex-Employee of Rosemead In: Los Angeles

Just rec'd settlement check, $65k thanks Angelo Mozilo,

CYA


Left: October 06, 2005 By: ANONYMOUS In: PASADENA

A MESSAGE FROM A COUNTRYWIDE INSIDER

YOU DON'T KNOW HOW IT FEELS TO GET SCREWED BY A MORTGAGE LENDER YOU WORK FOR. I AM A LOAN OFFICER THAT GOT SCREWED TAKING OUT AN EMPLOYEE HOME LOAN.

COUNTRYWIDE HAS BEEN MOVING ITS SALES CENTERS OUTSIDE CALIFORNIA BECAUSE OF TOUGH LABOR LAWS IN CALIFORNIA. I HAD ACCEPTED A RELOCATION PACKAGE BECAUSE OF THE INSTABILITY OF THE SALES CENTERS IN CALIFORNIA. PER MY RELOCATION PACKAGE, COUNTRYWIDE WILL PAY PART OF MY CLOSING COST BUT SINCE MY SELLER CARRIED MY CLOSING COST, I DID NOT GET REIMBURSED. MY LOAN OFFICER LIED TO ME. I WAS ALSO FORCED TO TAKE A COUNTRYWIDE LOAN AS THE ONLY REASON I CAN BE ALLOWED TO USE OTHER LENDERS IS IF I GET TURNED DOWN BY COUNTRYWIDE. THE RESOLUTION I GOT FROM THE EMPLOYEE LOAN DIVISION WAS "MY LOAN WAS DONE THE WAY IT WAS DONE" BECAUSE I DID NOT HAVE MONEY TO CLOSE THE LOAN. I SENT THEM MY BANK STATEMENT AS PROOF THAT I HAD MONEY IN MY ACCOUNT AT THE TIME OF CLOSING AS I HAD JUST TAKEN OUT A HOME EQUITY LINE OF CREDIT FROM MY PROPERTY IN CALIFORNIA TO CUSHION ME DURING THE TRANSITION. NOTHING HAPPENED. THE WORST IS YET TO COME.

TWO MONTHS LATER, I GOT A NOTICE OF FORECLOSURE. THEY HAD BEEN POSTING MY PAYMENT INCORRECTLY. I CALLED CUSTOMER SERVICE. I WAS INFORMED THEY WERE GOING TO LOOK INTO IT. I GOT 3 NOTICES OF DEFAULT DURING THIS WHOLE PROCESS. I CALLED THE OFFICE OF THE PRESIDENT FOR FULL SPECTRUM AND OFFICE OF THE PRESIDENT FOR COUNTRYWIDE. IT TOOK ME 3 MONTHS TO GET THE ISSUE RESOLVED.

AFTER MY LOAN CLOSED AND FUNDED, I GOT A CALL FROM THE TITLE CO. ASKING ME FOR MORE MONEY AND RE-SIGN THE FINAL SETTLEMENT STATEMENT BECAUSE COUNTRYWIDE MADE A MISTAKE ON CALCULATING THE FEES.

I HAD A CLEAN BILL OF HEALTH WHEN I LEFT CALIFORNIA A YEAR AGO. WHILE I WAS GOING THROUGH THE HORRORS OF MY LOAN WITH COUNTRYWIDE, I HAD BEEN ADMITTED TO THE EMERGENCY ROOM TWICE FOR HIGH BLOOD PRESSURE.

I'M STILL ACTIVELY EMPLOYED, BUT I'VE HAD SO MUCH BAD EXPERIENCE WITH THIS COMPANY IN THE PAST YEAR THAT I AM CONSIDERING TERMINATING MY EMPLOYMENT.

I AM SORRY FOR WHAT YOU GUYS HAD BEEN THROUGH.




Left: October 06, 2005 By: In: California

UPS SUCKS TOO!!!!!!!!!


Left: October 04, 2005 By: In: California

What are ya tryin' ta do, sell hotdogs?


Left: October 02, 2005 By: me In: so cal

i no longer deal w/cw w/ all my mortgages hip hip hurray hip hip hurray! GOOD BY!


Left: September 30, 2005 By: In: California

You need to contact his superiors, not just his manager, but go right over their heads up the food chain.

Call any Full Spectrum Branch and ask for the Regional VP name and offices from the secretary. Go way up the chain and make a phone call to them, then make sure you get a fax or email to them also in future correspondence.

Tell them you want some fees waived for their dishonesty and you want your loan funded asap or you will be complaining to Department of Corporations.

Each has to do this in the times of where you arent getting answers, go up and rettle chains and the big guys will hate it, do something about and make you go away by funding your loan usually.


Left: September 30, 2005 By: Mary Howland In: Santa Cruz

Countrywide/Full Spectrum home loan representatives lie! I applied for a loan on Aug. 6. It took a long time for them to complete the paper work, although I gave them everything immediately. Finally, the week of Sept. 5 I was told that my loan was approved and would be funded the next week. When it wasn't funded by Sept. 16, I called and threatened to pull my loan. The representative said that it would be funded on Sept. 21. I called on Sept. 26, asking where the money was. They said that there was a qlitch, but that it would be funded the next morning. They have now told me that it will be funded on Sept. 30 - the end of the month. I would have gone somewhere else if they would have told me it would have taken so long to get a loan from them - almost two months. The respresentative who lied was Tyrone Ward in Salinas.


Left: September 27, 2005 By: In: California

I'm looking for a good clam chowder recipe. I see the NC blog has some good grilled steak steak recipes.


Left: September 27, 2005 By: anthony In: los angeles

anyone??


Left: September 24, 2005 By: Karl lambardi In: Moorpark

Yeah, Countrywide Blows. They do nothing help people who need assistance. They also pay their employee's crap and treat them like shit, so no one cares about their job. I have friends that work in customer service, and they are told to get people off of the phone, even if their problem isnt solved. I would never get a loan with them.


Left: September 23, 2005 By: In: California

Both Salary and Commission, would mean you want a fixed amount each month and then possible commissions on top of that.

You will need to go to local banks or credit unions because the larger leners do not pay salary, ever. A draw to get going is expected, but this is a commissioned business. I only know of guys who work at small banks or credit unions that get a salary, but it is management responsibilities, not just a loan officer.




Left: September 23, 2005 By: Anthony In: Los Angeles

Lets change the subject for a moment.

I'm looking to work for a mortgage company that pays both salary and commission. I was wondering if you guys could help.

If you were to be employed by any mortgage company , which one would it be and why?


Left: September 22, 2005 By: In: California

Cwide will never go out of business is right, but therte can be drastic changes in market share and public image if certain things do come out.
Overall, Cwide will cut their own throat and vie back much of the market ahre it has gained, mostly due to the inability to properly manage their own managers at the public level.
most consumers don't even iknow where to start to file a complaint and seek damages, when they do, many more come to the surface.
They have the resources to fund the litigation and settlements, but if you have been violated or think you have, jump aboard a suit against them.


Left: September 22, 2005 By: In: California

CW will never go out of business. They are huge and growing. As long as they don't fuck the government out of their share of the loot...it's OK! Big business and the government sleep together and they WILL put the fucking to you! Get use to it! That's the way our commie system works now! Our government is like a huge ever growing fungus! Fuck them!


Left: September 21, 2005 By: Dorothy Cras In: Sherman Oaks,California

I was so very glad to see your wonderful website against this awful and horrendous company Country Wide.
I can't stand them. I am in the process of losing my home due to them illegally raising my mortgage and tacking on fees that were not there. They bought my loan from another company that I have been more than happy with.
Then the letters started coming that I owe this and that and they were lying saying that the taxes on my house went up and were not paid on the previous loan I had ( which is bullshit because the taxes were compounded in the loan,so they were lying ) and all this is downright ILLEGAL what they are doing!!!!
I had 2 deaths in the family all in a 2 month period and had to pay for the funerals and I told them by them raising my mortgage which on my first mortgage was a FIXED LOAN, that I couldn't afford all the fees they were tacking on and that not only was I mourning 2 deaths I would be homeless they didn't care and when I called them and told them that ,,,they just told me they were going to put my house in foreclosure. It has been a horrendous nightmare and I wish and pray that Country Wide gets there karma and really soon. I am so glad you have this website..I hope someone puts out a mass email that puts this company out of business soon.


Left: September 21, 2005 By: Loan Officer Pay In: California

Loan Officer Pay-

Production is based off a pretty general method. Conventional financing is usually making a point (1%) in the pricing of the loan, rate.

$500k loan, the Loan Officer usually makes a percentage of that $5000 (500,000 x .01). The payout at the top lenders is usually about 50-70% max, but based off a pricing of each loan. The Loan officer will make approxiamtely $2500-$3000 for that loan.

Although we have people answering questions based on dreams or TV, as a producer there are no Loan Officers paid a salary or fixed number like $100k.

The top producers in the industry make $40-$50k a month...the top BROKERS make alot more because the keep so much more of the 1% or more, sometimes 90% which means they make $4500+ on a 500k loan, big time difference.


Left: September 21, 2005 By: In: California

who services your loan and who orginates your loan should be and is 2 seperate matters. The servicing is out of all consumers control fro the most, but the orignation is 100% the consumer. The reasons why people stick with the servicer is that they tell you it is easier to refinance because they have your information, yet having worked in the banks and it is no easier to refi at Cwide. Most people do business with Cwide because they cannot get the same loans in the Conventional markets, or cwide is the only one promising to fund in 10 days or short term.

As for me, as an emplyee, the stupid Company and the SRVP missed our funding and did not call a person, then it took 75 days+ to refi a seperate property, and I was an EMPLOYEE. They do not and will not care about anything unless it affects their time or money, period!!!!

If you can verify income, go to the Banks, WaMu BofA, Citi, Chase, Wells, etc....

If you need to state income to afford the property, then go to Cwdie, I know managers that would just change income stated and when the customer looked over docs after closing finds they changed the income to fund the loan....

660-680 FICOS or Better---

Stated and high LTV's------CWIDE is the only one to offer what you need without going subprime.

Stated, LTV's under 90%- Go to the banks and put one against the otherm they hate it but it works for consumers.


Left: September 21, 2005 By: In: California

Probably because the new loan will probably be eventually sold to CW anyways.


Left: September 21, 2005 By: Priscilla Blythe In: Eureka

I bought my house 1 year 3 months ago; my mortgage company sold the loan which had a first and a second to Countrywide. I refinanced the first and am no longer with countrywide on that loan. I haven't had any problems with them as of yet, but they have been calling me trying to get me to refinance my loans. Listening to the problems people are having I am rethinking doing that. I am surprised that more people don't refinance their loans with another loan company if they are so displeased with the company.


Left: September 21, 2005 By: In: California

I think about 100k yr. (if you know who's behind to lick!...and I mean a rimmer.)


Left: September 21, 2005 By: In: California

your research?

It seems like I'm always the pivot man in the circle jerk?
I work with a bunch of suck monkeys!


Left: September 20, 2005 By: anthony In: los angeles

How well do countrywide and ameriquest pay their loan officers? Anyone know what the pay scale is?


Left: September 20, 2005 By: In: California

your research?

not an underwriter?

hey look, you claim knowledge of DU and blah blah blah about underwriting, then proven wrong you tap dance, now you say you have "researched" this, well I do not need to research a thing. Go research why you are so lost and trying to defend Cwide from something? Not sure, but they and you are scumbag criminals!


Left: September 20, 2005 By: cwide crusher In: crushing the cwide pikers

Countrywide rushed to hire away from its competitors emplyess that produced like myself, there was a rush to grab all the Wells people WaMu people etc to gain more market share, the cOmpany has most money doing so, with net income down although revs up and employees up in numbers.

Brian Hale was from Wells and in SoCal alone they took $1 billion in production from Wells alone, big swing. They were in a rush to grow, yet have spit on alot of people who dare disagree with the business practices etc...but the key is the lack of management locally and the supervision of them. When the top execs don't respond to serious complaints and customer issues, they are asking for it big time, and they will be getting it. The truth will hit them right n the eyes. Some employees and past employees hate them with passion and will not cover their criminal activities that are wll documented..Shareholders beware is all I can say. WaMu and Wells will be big gainers over the next year.

Atlanta region, all the regions are errogant, "we are the best" atttiude, it is true, I had it until I realized they are scumabgs and criminals up to the top imo.


Left: September 20, 2005 By: cwide crusher In: any city!

Reply To: (I knew I would draw them out more)

Left: September 19, 2005 By: In:

Flagstar is a conventional lender based in Troy, Michigan. Chase does 100% "stated". It's a no-doc loan and you must have 720+ scores with a max DTI of 36% back end to qualify. Many lenders offer 100% NINA loans and any product over 80% ltv is technically a sub-prime loan. Not all stated loans come with high rates and fees. Many of them require exceptional credit qualifiers with 6 to 12 months reserves with a minimum 6 months seasoning on the funds. Just because you, as a broker, cannot access many of the programs available out there does not mean they don't exist. Many of the largest "prime" lenders work through coorespondant lenders and offer more aggressive programs due to low overhead and the fact that those correspondant's have underwriters who are certified by the lenders. I also think it's funny you didn't address InterFirst or IndyMac, as these are very reputable lenders (ABN Amro ring a bell? One of the largest banks in the world?). I'm not defending CHL. It's also very difficult to qualify for CHL's 100% fast and easy. You have to be accepted by the automated underwriting system. There are no manual underwrites on that product. That's the way it is with ALL "prime" lenders who have that product. You will see the 100% stated product fall by the way-side very soon as rates are rising and cost of funds is increasing.

Reply:

Look, alot of blah blah blah there. If Chase offered 100% stated 80/20 loans (100% means you pay MI). Chase does not offer a 100% stated loan at 80/20, the only Lender that will attach a 20% second mortgage to a Conventional 80% first mortage is ...COUNTRYWIDE HOME LOANS!!!! Flagstar does lend conventionjally, but again my desperate friend, they do not lend at 100% stated (80/20), period, and for you to imply they do is a lie and dishonest. NINA loans are also available but very limited and only available to few borrowers, again, no other lender does a NIN, SISA, NO DOC, REduced DOc loan at 100% (80/20). So, Flagstar, nope! Chase, nope! I do not broker, I have but in the past. I am and have been a top producer for the top lenders in the industry and will take the pepsi challenge with any pikers who keep trying to cover something for Countrywide. Once again this poster has posted some industry nonsense, the top 5 lenders control the industry and will continue to. They offer the most aggressive products and dedicated processing etc....most aggressive rates etc...Countrywide is so obviously offering loans other lenders CHOOSE not to, not that they do like this piker is lying about, they don't....CONVENTIONAL FINANCING is not a 1005 loan as he/she states above, so just like the Cwide pikers, they choose not to read what was written, "Conventional financing" not subprime...

WaMu no 100% Conventional financing 80/20
Chase no 100% Conventianl Financing 80/20
Citi no 100% Conventianl Financing 80/20
Wells no 100% Convential Financial 80/20
BoA no 100% Conventional Financing 80/20

Board Readers, this is the nonsense at Cwide, replies like the one I am responding to yet not a clear answer from them at all, just garbage. Truth is known within the industry, not sure what you do for a living, but we ALL know Cwide has the only 100% stated programs for conventional financing!!!!

AND NOT ONE OF YOU CWIDE PIKERS CAN SHOW IT TO BE ANYTHING BUT TRUE.

We also have this piker talking about industry predictions of 100% programs falling wayside etc...well, he/she is onto something, it will be Countrywide that falls for being some scumabg criminals who take complete advantage of people employees and the government. They do not process per HUD laws, violations of Sarbanes, lender reporting, Quality control issues, loans in big time defi being hideen from shareholders and the government...soon it will be out in the open.

If there is only one lender to offer 80/20 Conventioanl loans, how is it not an anti-trust issue? Monopoly on that product...Enough for teaching you lessons, look forward to your tap dancing some more.




Left: September 20, 2005 By: An observer In: Atlanta, GA

I don't know about all the name calling, etc. but one thing is certain. Something bad has happened to Countrywide in Atlanta and there won't be an end until it's destroyed. Someone hired people to run this part of the company that either have no interest in the company or just simply aren't qualified to run a company. There is no profit being made and everyone is unhappy -- customers and employees. Seems like a recipe for disaster. Sit back and watch it fall. Maybe a year, maybe not that long. They'll be gone, someone new will be along or they can close down Atlanta altogether. I don't think Atlanta would be missed by the rest of Countrywide.



Left: September 20, 2005 By: In: California

That's not what my research is telling me.


Left: September 19, 2005 By: In: California

BTW, I am not nor have I ever been an underwriter at CHL.


Left: September 19, 2005 By: In: California

Flagstar is a conventional lender based in Troy, Michigan. Chase does 100% "stated". It's a no-doc loan and you must have 720+ scores with a max DTI of 36% back end to qualify. Many lenders offer 100% NINA loans and any product over 80% ltv is technically a sub-prime loan. Not all stated loans come with high rates and fees. Many of them require exceptional credit qualifiers with 6 to 12 months reserves with a minimum 6 months seasoning on the funds. Just because you, as a broker, cannot access many of the programs available out there does not mean they don't exist. Many of the largest "prime" lenders work through coorespondant lenders and offer more aggressive programs due to low overhead and the fact that those correspondant's have underwriters who are certified by the lenders. I also think it's funny you didn't address InterFirst or IndyMac, as these are very reputable lenders (ABN Amro ring a bell? One of the largest banks in the world?). I'm not defending CHL. It's also very difficult to qualify for CHL's 100% fast and easy. You have to be accepted by the automated underwriting system. There are no manual underwrites on that product. That's the way it is with ALL "prime" lenders who have that product. You will see the 100% stated product fall by the way-side very soon as rates are rising and cost of funds is increasing.


Left: September 16, 2005 By: In: California

http://www.nationalmortgagenews.com/mortgagestats/freedata/?what=orig

there is the link to the top orignators...

here is the link to the top subprime lenders.

http://www.nationalmortgagenews.com/mortgagestats/freedata/?what=bcor

that is the subprime lenders...each large bank/lender has their own subprime division, Cwide has full spectrum etc..

As you can see who dominates, and as a producer, not someone who does work based on my production, like an underwriter does, a producer is the reason the company exists, no producers, no need for anything else in operation.

Cwide is domijnant due to loans they originate that other banks will not touch in the conventional market...Wells BofA, CHASE, WaMu...all do not offer these such loans, but soon might due to the loss in market share, or C-wide will have some regualtory problems if they get the big audits. hahahaha they will.


Left: September 16, 2005 By: cwide crusher In: norcal

Sorry, you are way desperate now, you also need to look into what is considered a "subprime lender" and what is not.

Chase does not offer 100% stated loans with Conventianl products, Wells can do 100% through the Equit division, but that is not a Conventional loan.

Flagstar??? Yes, Flagstar rings a bell, it rings the bell of brokers who pushing crap with points all oiver it to do the loans.

The fact you would even point to Chase and these copmpanies shows the desperation....Where is BofA Wells etc..WaMu? they do 80% of the business and you try so desperatly to find someone whop does, and just like a person at Countrywide, you lie and make stuff up hoping there isn't someone that knows beteer, sorry piker, you are silly to post here, but it shows us all what the Company is about...

Anyone- Call Chase, Call the lenders and ask if they have the products...you and I know they don't, I ahev worked therer and KNOW so....mess with the bulls, you get the horns, you underwrtite what you are told to underwrite at Cwide....


Left: September 16, 2005 By: In: California

How about Interfirst? IndyMac? Flagstar? Chase? Citi? Any of these ring a bell?


Left: September 16, 2005 By: cwide crusher In: knock em down as we go

Got em...no words can back up telling me to understand the industry, you underwriters do as production wants and presures you to do.....at C-wide the underwriter can be pressured face to face since they are in the branches themselves....company scum folks...we all know it.


Left: September 16, 2005 By: Dr. S In: California

Well here is your answer. Hope this helps.

Heat is produced in a nuclear reactor when neutrons strike Uranium atoms causing them to fission in a continuous chain reaction. Control elements, which are made of materials that absorb neutrons, are placed among the fuel assemblies. When the control elements, or control rods as they are often called, are pulled out of the core, more neutrons are available and the chain reaction speeds up, producing more heat. When they are inserted into the core, more neutrons are absorbed, and the chain reaction slows or stops, reducing the heat.

Most commercial nuclear reactors use ordinary water to remove the heat created by the fission process. These are called light water reactors. The water also serves to slow down, or "moderate" the neutrons. In this type of reactor, the chain reaction will not occur without the water to serve as a moderator. In the United States, two different light-water reactor designs are currently in use, the Pressurized Water Reactor (PWR) and the Boiling Water Reactor (BWR).



Left: September 15, 2005 By: more nonesense In: cfc pikers are proof of the scum there

So, tell us about stated income loans at 100%. Home many conventional lenders lend at 100% stated? Option Arms Stated...DU, you silly is just desktop underwtiting, tell us what that has to do with anothe lender offering same product types?

Why won't Wells do 100% stated?
Wamu?
BoA?
Chase?

Look, if yuou are a underwriter, you know only what you have been washed to know..

Tell me what QC Audits are and how they work with HUD? Note: Lnders do not have to report internal deficincies, they only have to have a sytem in place etc....

Would you, as an employee of Cwide, want the true QC reports to be in the public? If you are so brave and so sure I am "dead wrong" state your name and department and we will call you a s witness in our litigation. Something tells me you will post some blah blah and not back up a thing....shoo away unless you want to step up witrh some logic, not CFC nonsense the world gets...scumabg.


Left: September 15, 2005 By: anti-trust, silly piker In: cwide sucks city

Now tell me piker, when you have a good job, good credit, etc etc as you point out, tell me what lender will offer you 100% stated income loans? Countrwide is one...next??? not the subprime people, that is 3 points you pay upfront.

So when a consumer has no down payment and the only lender who can provide such lending says they can and will fund it, then they don't or can't at last minute, what is the borrower to do? They cannot go to another lender to get the laon without the 3 points to pay, and on $500k home it is $15k you must come up with, when you know you needed 100% because you didn't have the money to start with, SO, you have to do as they wish, fund it late, tough, fund it with the rate and pionts not as agreed on GFE, TOUGH!!!! The realtors and borrowers know the answer...
the person that is in the dark is this lonely current CFC employee who has not had to deal with them yet obviously...nor has a idea about the industry themselves...

Piker world. I knew I would bring out some weak comments and so far so true...try again piker, your company sucks bad, criminal scum if you aske me, right up to Mozilo and Kurland.

Try to bring something of substance back with you if you can...stated there are criteria for Freddie and Fannie means little if only one lender lends those types of loans...silly non thinkers, you included.




Left: September 15, 2005 By: cwdie crusher In: anti trust problems exist

Ok piker, go ahead and tell us all how many lenders you can go to if Countrywide screws you over at the last second on a 100% stated purchase loan? Tell us that Wells or WMu or BoA or Chase has them...go ahead and show us how you think consumers are helped by having only one lender provide such financing.

You are obviously a piker employee with Company, and overall, you have said nothing to refute a thing.

Anti-trust has many components, and if the consumer has only one Company with no competitors in that area of lending, the 100% stated loans etc...well, you have the barriers to entry and you have consumers with no where to turn...thus Anti-trust issues could easily bne argued piker.

In the end you can list for us the lenders who will give conventional financing at 100% stated income?????? We will wait for you to show us your knowledge, but you are very suspect for even chiming in with that Countrywide dribble...The scumbags who make policy do not enforce it..

Do you want to talk about Quality Control issues and reports? Sorry, but they fired a branch manager 2 months after being hired to head a new branch in SoCal, but the point here is that the consumers are at a discadvantage and have no competition when it comes to the 100% stated and other loans..FACT

I worked at Wells and another top 5 lender as a top 20 producer nationally, you can go try to process something..but you have no clue as to what the consumer can go get in a loan apparently.

I will mark your post up to a new naive employee at CFC..the scum of all lenders!!!!


Left: September 15, 2005 By: In: California

Anti-Trust-

You are dead wrong. With good job time, time in residence, credit and income fannie mae will not ask for income. This is desktop underwriter findings. It's not up to the lender on a fannie/freddie backed loan. It's not wise to make statements like that if you do not understand the lending industry or how DU works.


Left: September 15, 2005 By: cwide Crusher In: calabasas

How many people were pressured by the Loan Consultant at Countrywide to take all the money dispursed to them from their equity lines instead of writning checks on it as you go?

Know that the Loan Consultant gets paid alot more if it is dipursed, and if you only let it sit and dont touch it, the loans consultant will only make peaunuts, $50 or so.

The tactic through the Company is one of greed, make them dispurse it so they get paid, even dispurse it withoput their knowledge until iut closes, then there you go...
the paper will show it was dispursed and the Loan Officer gets his money, on $100k, it is roughly, $650 vs $50 if they dont dispurse it, alot of incentive folks.


Left: September 15, 2005 By: Cwide Crusher In: Socal

Look, lets not just complaint, organize.

I am an ex-employee that will be bringing suits against Cwide. If others have had similiar experiences I would love to know.

This is an email account that will allow anyone to contact me in private to correspond and share experiences. Ex-employees, ex-cusotmers, current customers....all please contact me and my people...we hope to hear from all.

Cwide Crusher!!!!!!

countrywidecomplaints@yahoo.com


Left: September 15, 2005 By: Anti-Trust Issues In: SoCal

If the other lenders and govt agencies look hard, they will find that in order to get a 100$ stated loan conventionally a borrower can only go to one place...Countrywide, unless they want to pay points and go to the sub prime side.

In this itself a consumer has only one avenue to get loan done, and Countryiwde is a very very eroogant company that knows this. They have missed more purchase deadlines than I have ever seen, and the people know they will lose the properrty or the earnest money if they dont close. My own manager was one who did this also, quoted rate, did not provide proper disclosures to more than 40+ customer I originated, and then would hit them with higher rates when it came down to days before closing. This has been done by the biggest and best C-wide has..John Bianchi, the erroganty weirdo himself has aliented more current employees, not to mention other region employees that will not come to cwide due to his errogant f-u attitude towards anyone who complains about his unethical, unprofessuional, dischonest businmess practices. This is a Region, SOCal that will need to gear up for the auditing and the numerous customers currently planning actions. When they fired the manager, it all fell into place. Please line up if you are an ex-employee or had bad loan processing in the SoCal region...especially...hahahahahahahhaha

They are scumabags...


Left: September 15, 2005 By: C-wide Crusher In: SoCal

The Company violates HUD laws, State Laws, and is a bunch of criminals as I can see....

If the regulators actually went in and looked at each loan done in SoCal region, you will find a very high percentage of loans that were defi one way or another, and the Company stating in QC Audits that the majority was an "acceptable risk" to take, which leads most to see they will only do aomething about it if and when the Government tells them, because they flat out ignore custokmer complaints knowing they would have to get a lawyer, arbitrate etc etc...they commit fraud on employeees and dare them to do anything about it. The Company has violated lender reporting. They actually put my name on a loan run, when I didn't even work at the branch who did it. I have proof the Branch Manager went in and id it trying to cover his butt. That branch manager is no longer with the Company. SoCal region s are a bunch of errogant people who violate the Cwide policies and are criminal themselves. Scumabgs. I am looking for more ex-employess and current employees who have beend harrassed and retaliated against when they made complaints. Also looking for employees and past employees that had nothing but pyroll problems.


Left: September 13, 2005 By: Jerry In: Rocklin

I went to work for Countrywide "Full Spectrum
Lending." I found their "training" to be more
brain washing than anything else. They make you
memorize a seven page single spaced "Sript" and
test you to make sure you can recite it like an
actor. Now that I have reviewed your site I can
see that my gut feeling that Countrywide is a scam was correct. One of the hardcore "Account
Executives" "SOLD" seven loans and had seven
cancellations in the month I was there. That
told me that their loans are not competitive. If
you shop Countywide you can find a better deal every time. They have a bunch of Old Sueade shoe loan hustlers running the "Sales Training" which is really more like brain washing. They even call it "BOOT CAMP". The head VP claims he graduated from "Harvard" and then got his first job as a phone solisitor at a loan company. Can you believe that? They could care less about being professional and actually knowing what the hell you are talking about. All they care about is that you are PSYCHED!! AND "WANNA MAKE 100 GRAND!!!" What a bunch of BULLSHIT!
COUNTRYWIDE SUCKS!!!!



Left: September 13, 2005 By: C-wide Crusher In: SoCal

Ex-Employee here, and I will say that the writing is on the wall for this Company and its errogance. This Company is a bunch of scumabgs and criminals. At least 25-30 of the management, up the chain vilate complaince and ethics and also violate law. I worked for some scum there that was fired due to my complaints, in fact 3 people had to go, one being a branch manager.

If there are any emplyees out there that have had pay issues with the Company or have been retaliated against, please post a link and I will contact you. Legal Representation will be pushing this one through the courts/arbitration and I have documented proof they are criminal and scum in my eyes, emails all the way up to the CEO and PResident, unanswered. What will the shreholders think when it all comes out????????

NO specifics, but I dare anyone to doubt my words. Peolle like John Bianchi, Megan Fink, Rick Wentz, all scumbags who are trying to hids the fact they are involved in a huge investigation that led to fraud findings and policy violations.....

Wentz is the General Consel and has very questionabvle ethics and possibly has violated Sarbanes Oxley among other laws pertaining to compliance investigations.


Left: September 08, 2005 By: anthony In: pasadena

yes, that is exactly what I meant


Left: September 06, 2005 By: In: California

Don't you mean- where ARE your sources for these allegations on AW? I would like to read about them.


Left: September 06, 2005 By: anthony In: pasadena

where is your sources for these allegations on AW? I would like to read about it


Left: September 06, 2005 By: In: California

Ameriquest is quite possibly the most litigated mortgage company in existance. They are blacklisted by BBB's all over the country. Also, they change their comp plans constantly and run one hell of a brainwashing campaign. Bottom line, AMC and Argent treat their employees as property. You will be obligated to work 16 hours a day 7 days a week or face termination for not being "dedicated" enough to the corporation.


Left: September 06, 2005 By: anthony In: Pasadena

I was wondering if anyone here has worked for ameriqust. I was thinking of applying for a mortgage associate position. Any opinions would be great?


Left: August 31, 2005 By: In: California

If you make enough money in relation to your debts and your credit is good, yes.


Left: August 31, 2005 By: In: California

Can I qualify if I'm on welfare?


Left: August 30, 2005 By: In: California

The no money down thing has been going on for quite a while. Almost every lender has that kind of program.


Left: August 30, 2005 By: In: California

Oh, I did not know the buyer had to have money down. When did that start?


Left: August 30, 2005 By: In: California

Never mind that your buyer probably has poor credit and no money down. Or that they probably aren't providing what is needed to close the loan. I'll bet those things are the lender's fault too.


Left: August 30, 2005 By: Jack Mehoff In: California

Did I pass?


Left: August 29, 2005 By: Chris A In: CA

this is a test!~


Left: August 29, 2005 By: Shawna Gossar In: Los Angeles

My husband and I are selling our house. The first buyer fell out of escrow because the final confirmation of the loan was denied. When we found this out we had already moved out of state. We know had to make another house payment. We quiclly put the house back on the market and accepted an offer. The loan was comming through countrywide. The promised the could get this done in 10 days here we are 6 weeks later and still have no idea when it will close. Caution to sellers do not accept and offer if there loan is through countrywide.


Left: August 29, 2005 By: In: California

You will need to send your resume to Zach Parrot (Region 18) Sounds like you may be over qualified.


Left: August 27, 2005 By: 19 yo In: California

19 year old pot smoker still needs job how bout it guys!promise to screw shit up every day,top priority at c.w.!


Left: August 24, 2005 By: A relieved borrower... In: Riverside

Wow! Thanks for this site. You saved me from making a big mistake. I looked at their website and found their annual report that includes their address, and the names of the chairman (Angelo Mozilo) and all of their board of directors. If you can't get customer service to help, go right to the chairman and the Board of Directors to complain. Their corporate headquarters is 4500 Park Granada, Calabasas, CA 91302-1613. Also, contact HUD, the state banking regulators. Who buys their loans?


Left: August 23, 2005 By: In: California

Talk about crackhead!


Left: August 23, 2005 By: In: California

Oh ya!


Left: August 23, 2005 By: In: California

Anyone check out the Ameriquest guy's post on the Texas page?


Left: August 23, 2005 By: Jack Mehoff In: California

Hey Rosemead, are you on crack? What are you talking about?


Left: August 22, 2005 By: 1 year 2 months 17 days of HELL In: Rosemead

* sorry - cook with "No" previous experience


Left: August 22, 2005 By: 1 year 2 months 17 days of HELL In: Rosemead

LMAO I just rec'd a call from my ex-manager from Rosemead asking me to come back. (off the record) He told that they are hiring idiots, anyone you can speak english? Plus they have no experience in finance. He told me they just hired a cook, with previous exp. LOL. Thats what Countrywide gets when you cut our pay, eveyone walks. All thats left in Rosemead are people who are just satisfied make the base pay. Because BPS (Conmmission) is so ridiculous there, thank god I left. Good luck customers, FYI customers beaware if you call make sure you talk to serveral account executives, the information they give out is always different or if your lucky enough a veteran.


Left: August 22, 2005 By: richard In: tampa, Fl.

NOTE: Take Countrywide to small claims court. You can sue for up to $ 5,000.00 and DO NOT NEED the help of an attorney. It is informal, very easy and cheap. Many small claims court have FREE advisory help. Maybe make a visit to a small claims court and find out how easy it will be.
You can sue more than once. Each month that you feel you been cheated, file that action to resolved thru the courts. I did in Tampa, Florida and is getting ready for San Fernando court, Ca. in the next couple of months.


Left: August 21, 2005 By: Previous Employee In: Desert Communities

Hey everyone!

If you have complaints, then just e-mail Angelo Mozilo.

He can be reached at:

angelo_mozilo@countrywide.com

I'm sure he will be happy to help current & previous employees and customers.

In addition, you might want to copy your complaints to his legal counsel: sandy_samuels@countrywide.com and his Managing Director of Consumer Markets joe_anderson@countrywide.com

I hope this information is very helpful.




Left: August 20, 2005 By: SHARONNE In: CORONA

HELLO READERS, I HAVE HAD THE SAME PROBLEMS WITH COUNTRYWIDE 2 TIMES. THIS TIME THEY PUT ME FORCLOSER BECAUSE OF THEIR MISTAKE. FIRST COUNTRYWIDE BOUGHT MY LOAN FROM A LENDER. WE NEVER HEARD FROM COUNTRYWIDE FOR 2 MONTHS. I HAD TO CALL THEM. AFTER THEY FINALLY SEND ME NOTICE OF THE TRANSFER I RECEIVED A NOTICE OF ERROR FROM COUNTRYWIDE REGARDING A 60 DAY PERIOD WHERE THEY WILL NOT REPORT OR CHARGE ME LATE FEES. THAT NEVER HAPPENED, I WAS CHARGED WITH LATE FEES. I HAD TO BACK PAY THEM 2 MONTHS OF PAYMENTS WHICH I DID. BUT THE PERSON TAKING MY PAYMENT APPLIED FROM MY PAYMENTS 2 MONTHS OF LATE FEES. SO A LARGE PORTION OF MY 2 PAYMENT WENT TO ONLY PAYING 1 MONTH OF MORTGAGE AND THE SECOND PAYMENT WENT TO AN UNKNOWN ACCOUNT. SO HAS I'M MAKING MY PAYMENT I HAVE NO KNOWLEDGE THAT I AM PAYING THE PREVIOUS MONTHS PAYMENT AND IT DOES NOT REFLECT THAT ON MY STATEMENTS. SO I HAD NO KNOWLEDGE OF AN ACCOUNT SET-UP FOR MY MONEY THAT WAS NEVER APPLIED TO ANYTHING. I HAD TO PAY A LARGE LUMP SUM TO KEEP MY HOME FROM FORECLOSER. COUNTRYWIDE REPS HAVE NOT ACCEPTED THERE PART IN THIS ERROR, AND I HAVE IT IN WRITING BUT THEY REFUSE TO RETURN MY MONEY FOR LATE FEES OR THERE ATTORNEYS FEES THAT I HAD TO PAY. THIS IS CRAZY THIS ABUSE MUST STOP. I AM GOING TO DUE WANT EVER I CAN TO FIND AN ATTORNEY TO TAKE MY CASE.


Left: August 19, 2005 By: j In: SM

this is great information.


Left: August 19, 2005 By: In: California

Interesting that you would listen to a website rather than see for yourself. Do you make many decisions on your own from your own experiences or do you let others define your life for you?


Left: August 18, 2005 By: Evelyn In: Orange

WOW I just did a google search for Countrywide Home Loans, because a recruiter emailed me with a job opportunity for a Jr. Processor/Clerical Administrator for Countrywide Mortgage in Corona. The job can start up to $17 an hour and the opportunity sounded really good, and then I came across this site...needles to say i will not be contacting them to try and get a job there!!!Thanks!


Left: August 18, 2005 By: Evelyn In: Orange

WOW I just did a google search for Countrywide Home Loans, because a recruiter emailed me with a job opportunity for a Jr. Processor/Clerical Administrator for Countrywide Mortgage in Corona. The job can start up to $17 an hour and the opportunity sounded really good, and then I came across this site...needles to say i will not be contacting them to try and get a job there!!!Thanks!


Left: August 18, 2005 By: ZZ In: California

I agree. If you don't make payment, then don't bitch about the consequences!
However CW ASS-ociates are generally poorly trained and VERY rude.


Left: August 17, 2005 By: none In: none

There are still people in the company that is trying to help the customers. So give the people who try to help some credit. Not all employees are stupid or idiots. You've signed a 15 or 30 years contract with the mortgage company, you should know when your payment is due and you would of know that you miss a payment since mortgage payment is usually the biggest monthly expense unless you have a lot of money!!!! SO NOT GETTING A STATEMENT IS NOT AN EXCUSE FOR NOT MAKING YOUR PAYMENT. THIS EXCUSE DON'T WORK FOR CREDIT CARD COMPANY EITHER, THEY WILL JUST INCREASE YOUR INTEREST RATE IF YOU HAVE LATE PAYMENTS PLUS LATE CHARGES, OVER LIMIT FEE ETC...


Left: August 15, 2005 By: In: California

You said it!


Left: August 15, 2005 By: In: California

WOW!


Left: August 12, 2005 By: In: California

When I was out there for training a couple of years ago I couldn't believe the quality trim in the lunch room. NUTS!


Left: August 11, 2005 By: 1 year 2 months 17 days of HELL In: Rosemead

The chicks on the 4th Floor r bow wows, the 3rd floor (full spectrum) there some nice trim there


Left: August 11, 2005 By: 1 year 2 months 17 days of HELL In: Rosemead

The chicks on the 4th Floor r bow wows, the 3rd floor (full spectrum) there some nice trim there


Left: August 11, 2005 By: In: California

I think half of the chicks that work in Rosemead are gay (and hot!).


Left: August 11, 2005 By: Krystal Jones In: Westlake

Everyone knows I'm gay. You will hate working for CW! They don't like gay girls!


Left: August 11, 2005 By: 1 year 2 months 17 days of HELL In: Rosemead

I'm a happy camper, received my check from the lawsuit. Ah-ah countrywide, hey Angelo Mozilo you can kiss my ass.

Note: Attention customers, shop around countrywide rates are .75 above the national average, plus when you get a new Home Equity Line, ask for nothing up front. They will give you a the full check for the line and you will get charged interest on money that you are not using. We did that to get more commission. Hey Rosemead hows the Pay Option Arm doing, piece of shit loan program... I'm done, going on vacation
CYA


Left: August 10, 2005 By: In: California

That's very true. Long hours for not so much in the way of pay. It's pretty much the same at every large lender. Wells and WAMU don't pay worth a damn either. I guess it comes down to who you work with and ultimately for. Your immediate supervisor can make working a living hell.


Left: August 10, 2005 By: In: California

Well what can I say? It all depends, some people are happy at Countrywide and other's are not. You're not going to find out unless you try it out yourself. All I can say from experience is that Countrywide lacks the profesionalism and courtesy towards their employees. Not everyone has a bad experience, but the majority are not very happy. The dept. that I was in was based on favortism, and I just knew I had to deal with it. Luckily, I was one of them that was on the good list. However, the team that I work for was awful, so it didn't matter at that point anymore, they had the power to make my life a living hell. I learned a lot from Countrywide and at the beginning it was great, but I soon realized how they work. The company as a whole does not care about their employees. Unless you get lucky and get a pretty descent manager who is on your side, then you're good to go. I personally would not recommend any of my friends because I wouldn't want to refer them to a company that will work them to death and not compensate. It's up to you!!


Left: August 10, 2005 By: In: California

Countrywide, as a whole, is a great company to work for. The benefits are good, pay is a little lower than it should be (some places pay ALOT more). It's all a personal experience thing. If you are a negative person and feed off of negative energy, CW will be a bad place to work. However, if you want to learn the business and advance upwardly and are a positive person, you will excel at CW. It is true, some of the management they hire is sub-par, but mostly in the Full Spectrum Division. If you work for CHL you should do ok. When you interview don't be afraid to ask heavy questions.


Left: August 09, 2005 By: Della B In: Dallas, TX

I am a current college student and I am wanting to get in the Real Estate industry but I dont have any experience. I want to ask those of you who have worked at countrywide financial a question. Are you all telling the truth about its service and how they treat their employees because i applied for a job at CW and I don't want to leave my current job for a job thats not worth it. Can I get some feed back please NO LIES!!


Left: August 09, 2005 By: Linda In: Granada Hills

I use to be an employee of Countrywide, and all I can say is that hardly anybody at Countrywide has any experience in Mtg. I was amazed on how people who have no idea about anything were processing loans. First, everything goes at Countrywide. They say they go by regulations and compliance, but they really don't. Managers have no experience themselves and are constantly calling on each other for help on questions. They make up insane procedures to fund, and if manager's don't know, they go by what they think is right. Needless to say, management at Countrywide is horrible. They work people to death and don't compensate their employees. Countrywide will do just about anything to NOT reward their employees and in fact, any OT worked, is taken out of people's bonus, now how does that work? Is that legal? All I have to say is that Countrywide is an awful place to work, good to get the experience, but awful to work.


Left: August 09, 2005 By: In: California

Thanks Michael!


Left: August 09, 2005 By: In: California

This is fiction moron!


Left: August 09, 2005 By: In: California

Wow, a rash of BullShit posts. As creative as you people are, you should be writing fiction. You'd actually make some money.


Left: August 09, 2005 By: In: California

Pot smokers are total losers. A burden to society! Get help, burnout!


Left: August 08, 2005 By: NEED JOB In: CA.

I am a 19 yo pot smoker can I have a job, I promise I will screw shit up every day.


Left: August 08, 2005 By: going crazy In: so. cal

GO HOME MICHEAL IN CHICAGO


Left: August 08, 2005 By: FORMER COLLECTOR In: SIMI VALLEY

Former Employee in California- COLLECTIONS BABY!

I QUIT TODAY, WE CALL YOU TO COLLECT -WE DON'T CARE ABOUT YOU- BECAUSE THE MANAGERS DO NOT CARE ABOUT US-WE WILL NOT FIX YOUR PAYMENTS OR HELP YOU AND WE WILL NEVER,EVER WAIVE YOUR LATE FEES
WRITE A CERTIFIED LETTER TO OFFICE OF THE PRESIDENT TO SCARE US OFF,CAUSE WE DON'T CARE AND WE WON'T HELP YOU-THEY ONLY HIRE 19 YR OLD POT SMOKERS AND THEY DON'T GIVE A ***


Left: August 08, 2005 By: going crazy In: so cal

believe it or not last march i found this site and at the time i had a very serious problem w/ cw they recorded my house wrong , its as payed for in full i have the deed we have been trying to fix it since feb. so far all they have done is switch from dept. to dept. people that are working on this for me now told me they think they are just giving them the run around too, haha probably true but its now aug. and nothing is acomplished, ive lost out on one big sale i cant even refi and to top it all off there is no record i have even made one paymenhelp i think im going to get sick, is there anything i can do? please help somebody please!!!i will wait for a response under cal. stories. thanks


Left: August 08, 2005 By: Krystal Jones In: Westlake Facilities

I have worked for CHL for a year and a half now. I have found that the corporation only employs bitter angry middle aged ho's who want to bitch and moan about their miserable and angry lives. I've waited for a raise for 4 extra months then when I was originally promised I would see one. The surprise, I am a VP in the quality Control Department. Yes , I have many employees and I hate them all. They hate me. That's what we're all about. When I resign, I'm going to just walk out right away, no notice I HATE COUNTRYWIDE. Not to mention , I work for a racist boss who hired me only because she had to cover up her prejudice attitude!


Left: August 08, 2005 By: John In: Orlando

Countrywide is foreclosing on me on Wednesday. However, I'm closing on a new loan on Tuesday. The problem is that in Fla, there is a 3 day rescisson period which means my loan with CW won't get paid off from my re-fi until after the foreclosure sale. I can't get anyone from CW on the phone to ask them to push the sale back a couple days.


Left: August 08, 2005 By: Michael In: Chicago

Our unidentified friend from Ohio writes:

Left: August 08, 2005 By: In:

Michael, I’m not bitter. I’m only trying to do my job too. Please continue to help “David from New Lenox”. I think “David Ortiz” from the Massachusetts forum needs help as well.
OK, you win. I won’t point out any more typographical misnomers. If you’re not employed with CW, then why do you continue on your quest? No one does what your are doing for no reason at all. There is no such thing as altruism, it is a myth, a chimera, when applied to human affairs. All human behavior stems from inherently selfish motives.

Then I wrote back:

Left: August 08, 2005 By: Michael In: Chicago

I will respond to you one last time. I am a former Countrywide employee. I know the inner workings of the company and how to get around many of the road blocks that large companies such as Countrywide tend to put up. I also am quite familiar with state and federal lending regulations. I'm simply offering my assistance. I'm not even working in the mortgage insustry any more, although I did put in almost 8 years in that particular industry. When I come across websites like this one I feel obligated as a former mortgage professional to offer my knowledge up for the public good. Some people do things to help people without an alterior motive. By the way, you said it was your job to what you do. What DO you do and who are you? What is your motivation in attacking me or anyone else who would offer advice or assistance to thoes in need?


I've posted nothing but the truth here in an effort to help those who need it.

Michael_Harman1976@yahoo.com

Anyone can feel free to email me. Either to ask for advice or vent.

Thank you,

Michael


Left: August 08, 2005 By: Bob In: S Cal.

No, don't give up yet. We don't care about spelling errors. Let's just ignor that spelling nazi!


Left: August 08, 2005 By: Michael In: Chicago

I give up. You negative guys win. Sorry to those who have actual issues and want a little advice.


Left: August 08, 2005 By: In: California

Michael in Chigago is the same guy as David Ortiz from the Mass forum. He has alot of time on his hands.


Left: August 07, 2005 By: New home buyer In: Sacramento, CA

I was very surprised to see this web-site after I had already had horribly negative, and stressful dealings with Country Wide. They totally miss-handled the closing of our real-estate transaction, and almost caused the whole deal to fall through. They partnered with a completely incompetant, unprofessional, and rude title company (Alliance Title sucks too!!!). Between the incompetance at Alliance Title and CWH, the closing date for our home was 5 days later than it should have been. During which time country wide was waiting for documents from the title company, and Alliance was waiting for documents from country wide, no body bothered to call each other, or call us, and the deal almost lapsed and expired. If it had not been for us making a change phone call, the deal would have collapsed and we would have been left holding the bag on the fees of a canceled real-estate transaction. Nobody apologized for the screw up. In fact Alliance were the most rude and unprofession people I have ever had the misfortune of doing business with. I will never do business with CWH or Alliance again, and I highly recommend that they be avoided at all costs!


Left: August 05, 2005 By: Michael In: Palmdale, CA

I am a former employee of Countrywide, sorry but I have to laugh at all of these stories, yes COuntrywide has it's problems, just like all the other lenders out there, but most of the problems being stated here are mostly due to homeowner error not lender error, there are alot of laws that Countrywide has to follow, so if you think they can just wipe your credit score clean, or take fees off, that's where you are wrong, it's sad to see ignorant people cause concern for others who know what there doing by trying to bring a company down, it is not right and people need to take responsibility for themselves instead of trying to get through life easier and blaming all their problems on somebody else, when you have a problem in life you must look at yourself first to see what you did to cause it, then correct it, not put full blame on another. In other words pay attention to yourself and see your wrongs before you give a bad rep on a company who tries hard to serve MILLIONS of customers and make sure there is no problems.


Left: August 05, 2005 By: Michael In: Chicago

Can I just add that I LOVE this site! I'm supprised (did I spell that right?) nobody has posted under my name yet. Can't wait for that one. Everyone have a GREAT weekend! Go White Sox!


Left: August 05, 2005 By: Michael In: Chic

Oops, misspelled through in there. I'm gonna get ripped for that one!


Left: August 05, 2005 By: Michael In: Chicago

Oh, I'm sorry. I didn't see your post underneath. I remember reading your story a while back. I'm confused as to how they could record the wrong address? Were you taking a loan out on an investment property or what? Did you take out the HELOC through CHL directly or thtough a broker? I understand you had a problem with customer service. I had problems dealing with customer service when I worked for CHL. It's the nature of the beast when you are dealing with a huge company. As I've said to many people I talk to, when you get someone who IS helpful, get their full name and extension number along with their hours. Do you always get great customer service when you deal with the phone company or the cable company? Feel lucky you're speaking with someone in the US. Citi has all of their customer service in New Delhi India. Many companies are going that route. I've posted my email address here for anyone who wants advice. Sometimes a different perspective can help put you on the right track. Yes I may come off as rude, but sometimes calling someone a moron is the only way to get their attention, and the reason I called the individual a moron was because of the "advice" the individual gave. Read the whole thing instead of just one word. The world of finance is a tricky place. A level head always prevails.


Left: August 05, 2005 By: Michael In: Chicago

Yes I may come across as rude. But you should read the Illinois post. I will give you just as much respect as you give me. I think you should tell us who you are and who you work for. That will give everyone a good idea where you are coming from. Have a great weekend!


Left: August 05, 2005 By: In: Ohio

Michael isn't always as polite caring as he comes across in the California forum. Read the Ohio site. He's calling customers morons etc. Typical of a CW ass ociate!


Left: August 05, 2005 By: In: Ohio

WOW! I'm going to say something to all CW associates that view this site how things should work. I will use "Michael in Chicago" and "David Ortiz" from the Mass. forum as an example here. First I may add that I've read many of the state's forums on this site. I noticed that everyone who claims to work or has worked there seems arrogant and rude.

Secondly, to the complainers, if you are late on your payments or don’t pay your mortgage that’s your own fault. YOU MUST MAKE YOUR PAYMENTS! No exceptions! Even I would not feel sorry for you.

I used to have a loan with CHL and my complaint is that the associates are very poorly trained. They do not know how their own systems work thus leading to confusion, non-follow ups, and rudeness to follow that. Simple things like getting the wrong address recorded at the onset of my loan took 5 months to fix. They sent me a check for the entire line of my equity. It took a lot of back and fourth to get that straightened out. (4 weeks to be exact) My HELOC checks were never sent to me. Finally, after 3 weeks, when they arrived, I promptly wrote 2 of them out for use. I realized a few days later that the address on them was incorrect by only a couple of house numbers. I called CW and told them. They said “fine we’ll change it, have a great day”. Boom, 3 days later my home bank calls and tells me they have shut me down because CW stopped payment on the checks. I eventually found out that their system automatically is set up to stop payment when there is an address change. Why did the associate not inform me of this? I told them I had two checks already out there. I had no money access for 4 days. Then they charged me $35 for a wire transfer fee so I could get back to my life. It took several more attempts being batted around from the California to Texas offices. It’s like there was no account history. Very upsetting and inconvenient. I actually had to tell the one gal who was getting rude with me to just be quiet and to my story for just one second! At which point I asked her which one of us was the customer? She hung up on me. Very, Very horrible business practices. This country is FULL of ass kissing sales associates who treat you like a valued customer before the sale and then like a mother fucker ever after the sale. Believe me it’s this country that has the biggest problem with it! Here you can’t rob someone at gun-point but if you do it with a pen, it’s legal!

Let me get to my point now. The people complaining on these sites may or may not have a legitimate gripe, but they are the working people of this country. Carpenters, farmers, engineers, business owners...whatever it doesn't really matter.

Lending organizations should be trusted and show the utmost professionalism. How can you expect everyone to be a loan expert? If every one where as smart as CHL associates, then they might know enough to stay away from CW loans. Michael, are you a stupid fucker because you don't know how to do build a house to state code? Are you a moron because you don't know how to pilot a helicopter? Do you know how to design a high performance motor? If you where my customer and I were building your house and you didn't know all there was to know about the profession, should I be allowed to take advantage of you? You see we all can't be "experts" at everything. The lending industry knows and takes advantage of these facts everyday! Just look at the shitload of papers that need signed at closing. I don't think anyone has ever read all of the bullshit in there. They just keep in mind what the term and percentage rate is. You have to have a real-estate lawyer interpret that crap. Bottom line is the lending industry uses all of the little fine print to slightly bend the original parameters of the contract. If they did not then why does everyone complain about “Hidden fees”. I was told there was no such thing.

Greedy, greedy bastards are at work everywhere it seems but the most prevalent is in lending. There are only two factors that regulate everything that we do. Those factors are "fear" and "greed". We are not altruistic by nature.



Left: August 04, 2005 By: In: California

http://www.washingtonmutualsucks.com/


Left: August 04, 2005 By: Mark Wong In: Santa Monica

Investor Accounting sucks!


Left: August 02, 2005 By: In: California

The kicker is, the lawsuit was dropped as Countrywide decided to pay everyone, regardless of their involvement in the lawsuit. You had to sign and return the documents to Countrywide's HR by the 1st of June, otherwise you waived your right to the OT. That's how I understood it. I had already left countrywide by the time the OT thing came about.


Left: August 01, 2005 By: 1 year 2 months 17 days of HELL In: Rosemead

It read it, did not see that. plus I sent the documenation a month before the expiration. I'm just going to call the Law Office. Thanks for your help.

Good luck


Left: August 01, 2005 By: In: California

You had to send the letter Countrywide sent you back to HR before the 1st of June. You should have read the letter they send. I got my letter in May and sent it back immediately. Had my check by the 15th of June.


Left: August 01, 2005 By: 1 year 2 months 17 days of HELL In: Rosemead

I'm not sure, but the lawsuit in question was that we rec'd a letter from the law firm, and it had an estimate of hours of overtime. For the between a duration of 6 year period. After certain information was indicated the letter had to be sent back the average for 1 year period was around $15k. As for Countrysuck I heard that they settled out of court an estaimte of 30 million. If this is what u are talking about, I have not rec'd squat.

Thanks


Left: July 31, 2005 By: In: California

I got my check from OT due to me in June. Is that what you are talking about with a lawsuit? You know they dropped the suit right?


Left: July 29, 2005 By: 1 year 2 months 17 days of HELL In: Rosemead

Has anyone rec'd their check from the lawsuit yet?




Left: July 29, 2005 By: 1 year 2 months 17 days of HELL In: Rosemead

I use to work at Countrywide in Rosemead, thank god "use to" anyhow I just want to say to management you can all kiss my a**. Found a better job with better pay and less hours. And I can't wait to get my check from the lawsuit so I can get drunk, and guess what you are paying the tap. lol Anyhow if anyhone wants to get a job at countrywide "DONT DO IT" its all about "Turn and Burn" there. Damn I feel better. And to customers we do rip you off, with little fees here and there. As stated in our verbal training from my boss. And one final note the parking sucks in Rosemead call center, you have to park offsite that is such bullsh*t. That company has so much money that cant even build a parking structure for use f**king tight wades. OK enough Bit*ching for today. Damn that felt good. More stuff to come


Left: July 29, 2005 By: In: California

Why?


Left: July 29, 2005 By: PISSED OFF AT CHL In: CHL SUCKS

WE MUST ALL WORK TOGETHER TO BRING ANGELO MOZILLO DOWN!


Left: July 29, 2005 By: Michael In: Chicago

Let me ammend something I wrote in my last post: You cannot sue your mortgage company just because you didn't make your payments. There. I feel better.


Left: July 29, 2005 By: Michael In: Chicago

Rick and Leslie-
Leslie is obviously a very hostile and uneducated individual to make statements without offering anything to back them up. I know many people have tried to organize class action lawsuits, however you cannot sue your mortgage company if you don't make your payments. As I stated in my previous post, I am a former Countrywide employee. However, if you read a little more, you'll see that I have left my personal e-mail for people to contact me directly. Either for assistance, advice or to bitch me out. It's your right as an American. I just want to remind people that making up stories to purposfully damage the business reputation of a company can get you sued. I think it's kind of ironic that companies like Wells Fargo and Ameriquest have shut down sites like this yet Countrywide hasn't come after the owner of this site. If they were so "evil" and intentionally taking people's homes they damn sure wouldn't let this site continue. I do agree with alot of the former employees that post here on the pay at Countrywide. It's definately not high enough.


Left: July 29, 2005 By: Dave Uyemura In: Pasadena, CA

I worked for the CW Wire Dept in Pasadena as a contractor for 2 years, both on a full-time and part-time basis. My first year as a Funding Technician and the second as a part-time Data Analyst though my official title did not change. I recently left CW bec I had another full-time job and the CW assignment was not paying me enough to make it worth the effort. Working as a Data Analyst/Database Developer in two places, I saw how one company(my full-time employer) was very proactive in paying me at a market rate, the other(guess which one) was not even close. At my full-time position I received a much better starting salary with full benefits, a "significant" 90 day increase, and another raise on my one year anniversary. During that time, I am doing the same work at CW, same temp pay. Hmmm, something didn't add up.
When I originally told my manager that I was leaving CW as a full-time employee to take this other job I was told that I would be paid 'about the same amount' as what I was getting at my full-time job if I would stay. When I agreed to stay on as a part-time Data Analyst it was "work at your current rate for "awhile"" and 12 months later (and after I got my one year raise at my full-time job) with still no pay increase at "you know where", it was time to say "Adios". Between my boss and her manager no one knew what they wanted. I would have been better off programming to a wall. The other issues were lack of some internet accessability( ie checking email) which is vital to a student of the art of programming, and the ridiculous "you don't meet with any customers but...." dress code. What an inconvenience. These were relatively minor issues though compared to the FACT that CW is the cheapest piece of shit company I have ever worked at. I would NEVER become a full-time employee there. In fact to say that CW is cheap(and to be fair all banks are, frankly) is an understatement. I heard the sales pitch from my manager, 'well the benefits are good' and all that song and dance but I mean get real. When the focal point of your offer is one company's health insurance plan is better than the "other" company's, well that says it all. Yeah, I know plenty of cases where I should pay 1600 dollars per month for insurance coverage in the form of lost wages, oh yeah baby, tons of them, LOL. What a joke!
Not only did I get timely raises at my regular job, which is both fun and challenging, but I remember the day I got my 90 day review. My boss physically walked down the hallway and called me into his office to discuss it! I mean I didn't have to remind him one iota. I have now been at this job going on a year and a half and there is no question I made the right choice. Not only is the pay worse than awful at CW but the morale is very poor as well. Furthermore it appears many who are supervisors at CW reach their management level simply bec they have spent the time to advance (as opposed to having good management skills) AND there wasn't anyone better to become a manager. Everyone there I know(whom some are friends and family members mind you) are there because they don't have the skills to do anything else. I mean if they did they wouldn't work there would they? No one there can say they truly like what they do in all the departments I have seen. I can't recommend that anyone work for Countrywide unless you're looking a stepping stone between unemployment checks and a real job.




Left: July 28, 2005 By: Rick Strom In: Utah

I say class action lawsuit, there are enough national complaints for these crooks--


Left: July 28, 2005 By: I HATE COUNTRYWIDE WITH A PASSION-LESLIE EFFELSON In: TAMPA



I'm about 100% sure this so called Michael works for countrywide crooks company. They are the saddest financial loan company I have ever dealt with. They are in the process of getting sued for lying on a recorded conversation. Verbal is just as important as a written agreement--Countrywide idiots--maybe you better look at the other lawsuits that WERE verbal agreements not fulfilled by your unqualified, uneducated workers who have a problem using a simple computer keypad ??? they are ignorant bastards. SO PLEASE PLEASE PLEASE DON'T EVER CONSIDER COUNTRYWIDE--I WAS INITIALLY WARNED BUT I DIDN'T LISTEN. THEY DO THERE BEST TO MAKE YOU LOSE YOUR HOUSE THEY RETURN YOUR PAYMENTS BACK TO YOU SO THEY CAN FORECLOSE AND YOUR HOUSE WILL BECOME THEIR PROPERTY AGAIN--AFTER ALL THEY ARE THE ONES WHO BUY MOST OF THEIR HOMES THROUGH THE AUCTIONS AT FORECLOSURE SALES ?????---THEY ACT LIKE THEY TRY TO HELP BUT IN ACTUALITY, THEY DON'T WRITE THE IMPORTANT THINGS DOWN JUST WHAT THEY CHOOSE--DON'T GO TO COUNTRYWIDE--THEY ARE VERY VERY VERY SORRY --100 DOSES


Left: July 27, 2005 By: Michael In: Chicago

If you think Countrywide is bad, take a look at this website and read about the REALLY bad ones!
http://www.mortgagereform.org/


Left: July 25, 2005 By: In: California

I'm going to post this in every state listed here. YOU MUST TAKE RESPONSIBILITY FOR YOUR OWN ACTIONS AND DECISIONS!! I have recently left the lending industry. I can site many reasons for this, however the top reason has to be dealing with borrowers and potential borrowers who had no concept of financial responsibility. Just because you have a 700 credit score does not mean you demonstrate good use of credit or that you are guaranteed the rate or terms you want. In fact, many people who have the best credit scores carry the most debt. What you people do not understand is that the lending institutions want you to carry debt, so if you carry alot of debt and pay it on time your score will be higher than someone who pays their bills OFF every month and only carries a mortgage and a car loan/lease. If you fall on hard times, pay your damn mortgage and let the friggin' Visa's go delinquent. Visa isn't going to take your house, your mortgage company is. People jump to quickly to file BK. Guess what, ole' GW has made that next to impossible for the average American. You're better off making arrangements with your credit card companies and paying your mortgage off as quickly as possible. Use good judgement, not the "I want it now!" mentality. Buy a Trailblazer instead of the RangeRover or the Hummer or the Lincol or Caddy or whatever. How many of you people that post on here have kids? What kind of behavior do you think your actions teaches them? Anyone who would voice their opinion is more than welcome to email me at michael_harman1976@yahoo.com. I would be more than happy to help anyone who needs some good advice on how to get themselves into a good financial position. I am not selling anything, I'm a former CW employee who feels an obligation to help those who have been taken advantage of.

Michael


Left: July 22, 2005 By: jeannie In: central california

as I read through all the problems that both current and past customers have had it is really sad to see customer service go bad. My situation happened this year actually in May 2005. The payment I sent was suppose to be for May 2005, but CWHL waited to put the funds in June 2005 causing us to have a late put on our credit report. We have letters that show this. The thing I do not understand is why is it so easy for big companies to put a mark on your credit report and it takes so long to have it taken off. I think that is unfair as a consumer to go through this and now we have problems because what was put on our credit report by CWHL and Ameriquest. Another company that needs to be exposed more.


Left: July 21, 2005 By: Kirsten In: Elk Grove

I am a former CHL customer. We had a major nightmare (repayment plan, VA loan, possible foreclosure). Luckily we were able to refinance and get rid of them. 2 years later we went to refinance again and who should rear their ugly heads? Yes, Countrywide. Apparently the payoff from the 1st refi wasn't quite enough according to them and they put us into foreclosure (on our credit report) without sending us notification and then realized the payoff was OK and sent us the remaining balance in our escrow account.

Now for the really scary part - my current loan was just sold to Countrywide after only 2 months! I am scared to tell my husband. He hates CHL more than me. I think he may blow a gasket. I seriously think CHL has it in for us. I know now that I will be sending all my payments via Western Union and then calling to inform them of the payment and keeping a documented log of all calls. I may even consider cancelling my escrow fund and paying my own taxes and insurance. I hope my problems don't come up again....


Left: July 20, 2005 By: Co-worker In: cal

Krystal Jones need to take a bath!


Left: July 20, 2005 By: x In: x

I'm afraid not. Angelo mozillo is a greedy bastard. (And gay I maight add)


Left: July 20, 2005 By: Irriated (and unfortunate) Repeat Customer In: No. Cal.

Twice Countrywide Home Loans has incorrectly reported to the credit agencies (Equifax, Experian etc.) that we were thirty days late. Once, was when our re-fi closed and they were paid off in full 3 days after the payment due date, and again, three years after our loan was paid off (meaning they reported us as 30 days past due when we didn't even have an open loan with them!). When trying to re-fi again, they refused to send me a letter stating that it was their mistake and that delayed the re-fi and caused other problems. I managed to work it out and get my re-fi, and then guess who bought the note!?! I can not seem to get rid of this company. They are like a cancer that won't go away. They have no sympathy and do not care about their customers! I can understand that they are in the business solely to make money, and not to be considerate. But please, if that is the case, then they shouldn't waste time and money pretending and advertising that they do care. Isn't the billions of dollars in interest they make good enough for them!?!


Left: July 19, 2005 By: disgruntled employee In: Quality Control

Krystal Jones is a black lesbian. Everyone knows that


Left: July 18, 2005 By: R In: A

Tammy-
You will have to figure out if the inconvenience of writing out checks out weighs the predatory lending régime that CHL practices…and they do…period! I would not take the chance of direct deduction with these clowns, it only will lower your vantage point and cause you unnecessary hours over the phone over the next several years. I too fell in with these misfits. For now, I have to live with the constant mistakes and un-professionalism. With my old bank, I can never even remember having to discuss anything with them for those 10 years…only direct relationship banking. Just make sure in the future- you write up a disclosure that prohibits CHL or any affiliate company from buying the loan. I understand there are a small percentage of folks out there that are happy with them. Hopefully you get lucky. Good luck.



Left: July 18, 2005 By: TAMMY In: SAN FRANCISCO

my loan has been sold to countrywide and unfortunately I won't be able to change it for a while. Is there any tips on what I can do to protect myself from all the problems I have read about? Is it wise to sign up for the automatic deduction from my account for the monthly payments? I am hoping that any comments given may help me avoid all the abuse.

Thanks


Left: July 14, 2005 By: Take a Guess In: Woodland Hills CA

Tough times desended and I asked Customer Service if they had a payment plan for such an occasion. They ADVISED me to not pay for a month - then I could be eligible for a payment plan. OK, I'm new to this- result: now I am 1x30 days late- and the payment plan was not reduced payements for a period it was "catch-up" payments for 2 moths at 1.5 times the normal payment. Good Advice?! F CTWD! - now I'm a broker myself- rigth into the jaws of teh enemy- guess what- they rip me off here too.


Left: July 13, 2005 By: accounting In: California

Krystal Jones is a born loser! She is not very bright as anyone could tell! She needs a bath.


Left: July 12, 2005 By: Krystal Jones In: California

Ewwww ya, I just promoted one of my underwriter's for underdesking. Get it, she went under the desk and underwroted my loan. Oh ya.


Left: July 12, 2005 By: Krystal Jones In: Westlake Facilities

I work for a total racist.


Left: July 11, 2005 By: Jeff Gruhler In: Newport Beach, CA

I've been reading all these comments, and it's just sad that my industry just "doesn't get it."

If anyone in CA is EVER looking for a loan or home with a reputable, LICENSED, (you can check me out with the state at www.dre.ca.gov Go to License tab, then check salesperson/broker, then licenses, then type in my name.

You'll see no complaints, etc.

I have the best fees and service,

Give me a call.

Jeff Gruhler
Broker
American Fidelity Mortgage
949-729-2200


Left: July 10, 2005 By: ACCOUNTING In: YES


OH I HAVE THE GUTS KRYSTAL. DO YOU HAVE THE JAM?


Left: July 08, 2005 By: Anonymous In: Westlake Facilities

Yep, she's legit. Just call 818-874-8000 and ask for Krystal Jones in Quality Control. Man, she is a beast! I can't believe this is real. I will NEVER EVER do business with Countrywide Home Loans. Wow is an understatement


Left: July 08, 2005 By: Krystal Jones In: Westlake Facilities

Don't tell me how to speak. I'm who I say I am and that's final. I dare you to call me. I'll give you my direct number. Better yet, how about you call the Countrywide operator and ask them to transfer you to my extension. If you don't have the guts, then please don't tell us how to conduct ourselves on this particular website. By the way, I am a VP, so watch yourself! Now, who's the ass, hmmm?


Left: July 06, 2005 By: Donny In: S CAL

You really should not use the word "Ass" in this forum.


Left: July 04, 2005 By: Speaking for Everyone In: Everywhere

Folks... if you've got a genuine, legitimate complaint with Countrwide Home Loans please continue to use this site to voice your experience and to seek action.

If (like a couple of recent nutcases) you just want to rant and rave and run off at the mouth with vulgarity and juvenile slander against Countrywide employees... please, go somewhere else. Really.

It's not funny, nobody is laughing, and you're certainly making an ass of yourself. Just go away!


Left: June 30, 2005 By: Robert J. O'Connell In: SPRINGFIELD, Mass.

Hey Angelo isn't it true that you are a raging homosexual? Not that there is anything wrong with that. Just wondering. You see, I too am the CEO of a large company...and I'm gay. Could we get together??


Left: June 28, 2005 By: Angelo Mozilo In: Calabasas

I'm Rick James Bitch, I could charge what I want.


Left: June 28, 2005 By: Krystal Jones In: Westlake sucks!!

I'm still here "Voice of Reason"! Will you be the one to fire me from this shitty place? I fart in your general direction you dirty little dropping sniffer!!


Left: June 28, 2005 By: Concerned Reader In: Los Angeles

I have some mixed feelings about your site. I've heard and read so many bad stories about people's mortgages or work expierences with this company, including my husband's story (issues with paychecks and benefits). Luckily I haven't had any bad expierences with them (yet and hopefully not ever). I just wanted to add a little note to all of those people who want to go somewhere else for a mortgage...Keep in mind it might be a little difficult to find a mortgage company that won't sell the loan to Countrywide, especially if you live in a small town. You'll be safe if you stick with one of the 'big banks' like one of the other entries mentioned (Chase, Wells Fargo, also Bank of America and Washington Mutual). I haven't done business with any of these companies either, but they are big anough to "service" their own loans (Banks can usually take payments for the entire term of the loan). Hope this helps some of you...


Left: June 27, 2005 By: Krystal Jones In: Westlake

Hey "Voice of reason"!! I got what you are looking for right here in my panties if you would like to take a trip to the downstrairs region sometimes. And by the way, I am a minority and you can't touch me...that's how fucked up your country is!!!! Also to "accounting" in Westlake-I gotta little somthin'- somthin' lined up for you too if you wanna be my bitch for a night or 2. CHL SUCKs!!!! I have a little tip for both of you....don't look directly into the sun!!!


Left: June 24, 2005 By: accounting In: westlake

Wow , I think I work in the same building as Krystal Jones. If so , I've never seen her but she's in our directory as being listed as working in the westlake offices. Her behaviour is unacceptable and will probably get her terminated if anyone of any importance stumbles across her ranting and offesive antics


Left: June 24, 2005 By: Voice of Reason In: Thousand Oaks

Who cares if you are a lesbian! Like I care. You're probably a minority too. Do you want to go off about that? I'm going to look you up and report you to your company's HR department. In fact , I will assume that your job is at stake. But why do you care , you're ready to quit at any given moment with no notice right? I can't believe Countrywide employees are so insane!


Left: June 24, 2005 By: Krystal Jones In: Westlake Facilities

Hey "Voice of reason"...I do have a chip on my shoulder! I am a lesbian. I am looking for some new girls to hook up with. Can you help me?


Left: June 24, 2005 By: Voice of reason In: Thousand Oaks

Regarding the last post...maybe you have a chip on your shoulder...just a little one though.


Left: June 22, 2005 By: Krystal Jones In: Westlake Facilities

I have worked for CHL for a year and a half now. I have found that the corporation only employs bitter angry middle aged ho's who want to bitch and moan about their miserable and angry lives. I've waited for a raise for 4 extra months then when I was originally promised I would see one. The surprise, I am a VP in the quality Control Department. Yes , I have many employees and I hate them all. They hate me. That's what we're all about. When I resign, I'm going to just walk out right away, no notice I HATE COUNTRYWIDE. Not to mention , I work for a racist boss who hired me only because she had to cover up her prejudice attitude!


Left: June 22, 2005 By: David In: Texas

To Terrance: about your prepayment penalty, try this... call the corporate office at (818) 225-3000 and ask for the CEO Angelo Mozilo. If he takes your call, be prepared to lay out your case and you might get somewhere. Also, call the same number and ask for David Sambol (another executive) and tell his office you want him involved.

I would also suggest getting the name of the actual investor/note holder on your mortgage. Chances are it's not Countrywide (they're probably just servicing your loan) and contact that investor. They might be helpful in releasing you from that fat pre-payment penalty especially if they know you've had problems with Countrywide servicing your loan.

Good luck and let us all know how you do.


Left: June 22, 2005 By: Lance In: Burbank

Dear Happy: your question is valid and I'll offer my honest opinion. Countrywide IS the biggest, and they got that way not really by "earning" customers. They are really big because they continue to purchase mortgages from smaller companies, and they also "service" alot of loans they did not originate.

They buy loans in huge chunks and aquire a large part of their business without ever speaking to the home owners like you and me.

With that said, I don't think they're "evil"... I think they're just so damn big with so many incompetent people who can't manage their day-to-day affairs. There probably are some people in the company with the wrong motives who have taken advantage of Countrywide's size to line their own pockets, and sadly I think some of us have dealt with those people.

Anyway... yes there are some good people and bad people in every company. Countrywide seems to just be out-of-control and harder than heck to deal with because of their lax operations and lack of organization.

Good luck to you.


Left: June 22, 2005 By: Happy Countrywide customer In: Southern california

If Countrywide is so bad how can they be the largest lender in the country???
Must be doing something right I guess or otherwise they would have been out of business a long time ago.....don't you think?


Left: June 20, 2005 By: Charles Seidel In: San Francisco

Correspondence Department June 17, 2005
Countrywide Home Loans
Fax: 805-520-5019

To Whom It May Concern:

This problem is getting more and more serious. It is now June 20th. It has now been 10 days since there was a problem with my account and to this date, no one at Countrywide has contacted me through email, phone or fax or letter.

It is not very professional to ignore problems and ignore your customers.

Lets deal with the facts to refresh your memory.

In May my account was charged twice. According to Sandy at Countrywide in a written email she said it was Countrywide fault that I was charged twice. That was a very bad mistake but I accepted it.

“We had a system problem generating statements in the month of May and some statements were not sent so we recreated the statements causing some homeowners to receive two. On behalf of Customer Service, I sincerely apologize for any inconvenience this may have caused you.”

In June I was charged even though I paid twice in May. I was told that my next payment was not due until July.

“The next payment due on the loan is for July 2005.”

Since my next payment was not due until July. My account was not prepared to have $3617 deducted. This caused me financial stress, many phone calls from Denmark, my secretary calling, rushing to the bank to try to find more money to cover bills. This mistake by Countrywide has caused me to have hundreds of dollars of expenses that I would not have if Countrywide did what they said.

There have been different stories from different people. I was told by a countrywide Representative that Countrywide will pay my expenses and phone calls and they told me to submit a bill to Correspondence Department. I did and I have not heard back.

Yesterday my secretary spent a lot of time on the phone and finally she was told that I should call Maribel Lopez at 972-526-3918. I did this and no one could locate her. After over 20 minutes on hold I was placed to Joe Garca in Resolutions. Joe told me that even though I received a letter from Countrywide saying my next payment is not due until July, 2005, it could also mean that my account would be deducted in June. Someone should tell the meaning of the word “next” to Joe. Also Joe promised me he would return my phone call in a few minutes. I told him it was very urgent since it has been 6 days since I told countrywide to put the money back into my account. I told him that yesterday a lady told me that they cannot call me in Denmark. He told me it was no problem. I gave him my number in Denmark 45 --------. He told me to have my bank information ready and he would call back in a few minutes. He never called me back.

My office called countrywide and they got a hold of Joe Garca. He told the office he would send me an email on Friday before 12 noon. He did not. Joe Garca lied.

So lets try to sum this up:

• My account was deducted two times in May

• Countrywide told me Countrywide made a mistake and they were sorry. (in writing)

• I was told I do not need to make a payment in June since my next payment is due in July since I already paid in advance for June due to the mistake at Countrywide (in writing)

• After 10 days of alerting Countrywide to this mistake, no one has called me, phoned, me or faxed me.

• Joe Garca promised to return my phone call and he did not, even though I told him it was a very serious situation and I needed the money put back into my account. He was also supposed to send me an email and he did not. He lied.

• Due to the mistake of countrywide I have incurred a lot of expenses and countrywide needs to reinburse me.

You need to take responsibility for your mistakes. I am the customer. This is how a company starts its downfall. I am one customer, but I am the President of the Lake Tahoe Home Owners Association representing hundreds of home owners.

I also have 3 accounts with Countrywide and I purchase a house once every two years. How much business do you lose since I will not be a future customer? How much business do you lose when the hundreds of members in our association learn how you treat customers in our next newsletter?

Sincerely,

Charles Seidel
stschuck@aol.com

Today is June 20th, 2005
You need to call me to discuss this.
You need to put the money you stole from my account back into my account
You need to discuss reinbursement for your mistake
You cannot ignore the problems of your customer.

I talked with Linda Holman today. She told me she put in a transfer to put the money that Countrywide stole from my account back into my account. This is very urgent and I am hoping this will happen.



Left: June 20, 2005 By: Charles Seidel In: San Francisco

Poor customer Service


Left: June 20, 2005 By: Terence In: DC

I don't really have a "Bad" story. I just want to know, who within CountryWide Home Loans should I talk to to try to get my $12000 Pre-Payment Penalty waived. I've talked to a loan officer, but he didn't give me any help. Can anyone suggest the person or department I should talk to to get rid of this fee?

Thanks for your help.

Terence
theeze23@yahoo.com


Left: June 20, 2005 By: Maureen In: Any in the USA

I am a recruiter that specializes in placing professionals in the mortgage industry. My client companies LOVE ex-Countrywide employees. If you truly are un-happy, please contact me. I may be able to help (regardless of the position.) Maureen 520-399-2821 propelsearch@cox.net


Left: June 17, 2005 By: John Dunn In: Boston

Where is a link to the story that Angelo Mozilo is under investigation?


Left: June 15, 2005 By: CHL's Momma In: chl hell

I am a past CHL employee. I was at a mid to high level position running a department with about 250 employees. I was there for many years, and was fed up for many years, but stuck around with the main reason being that it was close to home and my twin girls. I have seen the slow decline of how the main players expect employees at my level to treat direct reports, and I rebelled a bit. That did not put me in good favor. At the end of my time with them they hired some "hard core" management from outside CHL. I recall a meeting once where a group was told that the Company is not about the people it is about the process. That CHL should look at becomming like WalMart with any remedial minded, or mentally retarded person (no offense mentally retarded people) being able to come in and work for CHL. Huh...what...we are dealing with the American Dream, and the single most important purchase in an American's life and our goal is to hire folks with diminished mental capacity so we can pay them minimum wage instead of a market rate? CHL also started outsourcing to India taking jobs away from the US. When you call CHL for service ask where the agent is...they are trained to say..."due to security reasons we cannot divulge that"...that means they are in India. The bottom line for me was when one of my 12 year old girls was forced to have a heart operation (sad but true), and not once was I asked if she was okay. I did take a week off to be with her while in the hospital and was greeted upon my return with this..."you are needed outside of this area and will need to commute to another site (2 hours away), you could relocate to another state (uh...no), or you need to find another job. I was a loyal employee, developed numerous sub-ordinates to higher levels, saved CHL millions of dollars, and that was my thanks? EFF You CHL, I just hope no one ever makes a claim to the FTC regarding your accounting practices, because everyone knows that those are legit. ;)


Left: June 15, 2005 By: Susan In: Fresno

I too stumbled across your web site by accident. I was searching for an Employee of Countrywide........I am an Ex-Employee of Countrywide. I believed every promise they made. What a nitemare. I resigned after 3 months. It was amazing to me, the unprofessionalism of a large Company. Seriously thought I was going to have to take them to the labor board to be reimbursed for my business expenses. Finally received the check 6 months later. Cut my commission after I accepted the position. Never would have accepted the job with the payscale they are paying. Very happy they treated me so badly. As I would love to compare year to date figures with a few of the Loan Officers that still remain employed by Countrywide. I work for a small Broker now, pay is excellent, my Boss is excellent, the procesing Staff is excellent. I would never Broker a Loan to Countrywide, don't care what their rates are. There morals as a Company SUCK to put it bluntly and their Reputation as a whole is going down.. Your company is only as good as the persons you Employ. So glad I made the move.
Your web site is awesome, I will spread the word
for others to review your site.


Left: June 15, 2005 By: John w/US Pacific Consumer Associates info@usconsumerpros.com In: San Diego

RE: Left: May 28, 2005 By: Sue and Ray In: Fullerton

CFC (Countrywide) owns Spectrum, Full Spectrum, Landsafe, etc....almost like the old cartonns we saw in history class of the monopolist as an octopus....


Left: June 15, 2005 By: John w/US Pacific Consumer Associates info@usconsumerpros.com In: San Diego

RE: Left: May 28, 2005 By: Sue and Ray In: Fullerton

CFC (Countrywide) owns Spectrum, Full Spectrum, Landsafe, etc....almost like the old cartonns we saw in history class of the monopolist as an octopus....


Left: June 15, 2005 By: John w/US Pacific Consumer Associates In: San Diego

FROM A COUNTRYWIDE CONTRACTOR!!

Assigned to Countrywide 3 months ago by an agency. The pay was not outstanding, but I looked upon this as an opportunity to learn more about the residential and commercial lending business.

What a joke...released a few days ago because of my "attitude"...what attitude? From day one I weas taught how to put misleading figures into the initial disclosures sent out to borrowers when their loan application is received. I read one story on here about a complaint regarding the appraisal fee...totally true. If an appraisal fee is on the broker's GFE (Good Faith Estimate) for any amount less than $350, then I was to list the appraisal as $350 or higher (if shown as such). I was instructed that all figures are merely a guide and do not reflect any actual charges.

Most of the employees I interacted with are hardworking and hardcharging, honest people. There are a few bad apples that have been there too long due to mamangement apathy. Wrote a short college paper about the office and got an "A". Must have hit a note with the professor. If anyone has any question please feel free to drop me a line at info@usconsumerpros.com.

The term paper text is below. I am moving on, but have been impacted by my time there.

Management Control Study of San Diego’s Countrywide Wholesale Business Center
Company Name:
Countrywide Wholesale Business Centers (CWBC)
Background:
Countrywide Wholesale Business Centers are a subsidiary of Countrywide Financial
Corporation (NYSE symbol: CFC). Headquartered in Calabasas, California, Countrywide is a member of the S&P 500, Forbes 2000, and Fortune 500. Countrywide provides mortgage banking and loan closing services through its subsidiaries: Countrywide Home Loans, Full Spectrum Lending, and LandSafe. Other diversified businesses in the Countrywide family include Banking, Capital Markets, Insurance and Global Operations. In 1984, Countrywide began to slowly build a separate
wholesale loan origination department. By 1993, Countrywide's Wholesale Lending Division was the
number one wholesale lender in America with more than 40 percent of total loan production originated
from this division. The wholesale business centers provide network support and serve as intermediaries
to support the various loans funded through Treasury Bank (purchased recently by Countrywide
Financial Corporation). CWBC’s are structured to offer a supporting role to a wide variety of
independent mortgage product brokers.
Each CWBC office is staffed by two primary managers. The office taxonomy is actually quite
simple. The branch manager handles the basic operations of the office staff branch. The staff
includes a variety of agents, which are responsible for: 1) Loan Registry, 2) Loan Underwriting, 3) Loan Funding, and 4) Loan Document Processing. The second manager involved in the local CWBC office is for product sales. The sales manager is active in the production or recruitment of borrowers from local mortgage brokers and California real estate brokers as a whole. Made up of mainly the sales teams and production coordination. This is the main driving force, which brings in business and creates value for the entire CWBC office. The sales team is staffed with licensed real estate agents based in house and out in the field. In house agents keep their own desk, while outside agents’ usually hot desk and may share space with two or three different sales representative. Production coordination is just as important. The Production Coordination Supervisor balances dual responsibility to the sales manager by ensuring that all loans requests are received with the proper documentation to be logged into the system and to the branch manager by certifying that all new business requests are ready to proceed through the system. Many may argue, but I believe that without the services of a competent Production Coordination Supervisor, the system may suffer some snafus that could unravel the whole process.
Business issue:
Main office management within itself is somewhat insubstantial. There are clear lines of communication, rules and regulations that govern the office are allegedly in place, and everyone to some extent is capable of getting along. The focus of the issues that affect attempts to continuously create value are personal accountability and a lack of clarity by flimsy training for performance roles. Job titles are fairly defined, but the activities for each step seems to be done somewhat on the fly. On a weekly basis, production steps are added and subtracted throughout the various roles involved with creating the product. Roles are clearly defined within the office space; however no one person seems to be acted against or held accountable for behavior that acts to reduce value. I will use as an example the role of a member of the Loan Application Registry Team. Currently comprised of two active professionals and a supervisor, each member is responsible to register each and every incoming loan coming into the branch. The registry process is quite simple. Incoming applications work through the system much like the example used for manufacturing as visualized in one of Frederick Taylor’s four principles. The use of a configured route of assembly is seen as the most expeditious and least time-consuming way of completing a task (determination). Loan applications with accompanying documents such as a credit report, specific loan forms, and disclosures are either manually entered during the borrower’s interview phase or verified against information already submitted in the system by the same outside agents. The basic steps are as follows: 1) Loan application information received by registration; 2) Documents are categorized by relevance. There is the main loan application, various government disclosures, a property appraisal application, and a document known as a Good Faith Estimate. The GFE is important in that it is the initial disclosure into what the costs will be for the price of the loan; 3) Once all the relevant information is verified, new disclosures are printed out. One set stays in the newly created file. The second set is mailed out to the borrower or borrowers depending upon the number of applicants. What can make this process go wrong, unravel or never be correctly started? The trail goes back to the very agents that the CWBC depends upon for its bread and butter. Those agents are the mortgage brokerage offices and realtors that submit the applications into the CWBC system.
Analysis:
When agents and brokers submit loan applications into the CWBC for processing, they are easily exploiting a weakness in the system, which leads to the basic setup of inefficiency. Country Financial Corporation has basic requirements that must be met in order for a loan package to be submitted to a CWBC. Loopholes in the system enable agents to submit just the basic minimum information about a borrower. Unfortunately, the events of the past few years have made gathering all pertinent information extremely significant. Important information is often left out which must be gathered prior to registering loans for the CWBC in house application phase. Quite often, the CWBC is at the mercy of the outside agent since gathering the required information can take up valuable time needed to fund a loan. Whole loan applications can be tossed out or rejected at any stage due to a variety of separate and unrelated issues due to a lack of Total Quality Management on the part of the submitting agents’ brokerage. Time limits are set by those same outside agents to borrowers on when they expect to receive funding for that dream home, or remodeling project.
The branch manager, even though in charge of a multi-million dollar operation, through my eyes is seen more of acting as an office manager. Need pencils? Ask the branch manager. Out of paper or printer toner? Ask the branch manager. The country club managerial attitude is evident in that dependence upon others without a standardized and rigid division of labor keeps morale low and sets up a scenario for Parkinson’s law in some areas. A recent external audit by employees employed by corporate headquarters (within the past few weeks) held that there are weaknesses that need to be strengthened, especially in terms of mandating quality assurance and basic office security. The second though not truly related, alludes to the seemingly casual discard of borrower confidential information and the availability of free access by outside parties.
Recommendations:
A complete adoption of Frederick Taylor’s four principles. Through the following implementation: 1) Job design to optimize output will have to be configured so that all parties involved with the production process can increase efficiency; 2) Training to achieve optimum work should be conducted on a regular basis through the use of a mentoring program to oversee the finished product as it proceeds along each stage of production; 3) Emphasis on selecting the right person will put a halt to the Peter Principle seemingly installed in the current Production Coordination Supervisor; 4) Division of labor has been accomplished, but is not followed up on through random product sampling. Incentives are offered, but may in fact need to be redesigned in order to meet Total Quality Management goals that need to be effectively implemented. The current incentive is based upon volume of work and not quality of work. Management has a set of four to five different plastic containers set up to accept a ticket from employees in each area of production. The more daily production that person accomplishes, the more tickets they can place in their areas container. One name drawn from each container is awarded $100.00 after the month has ended. Unfortunately, this continued incentive without a system of checks and balances may in fact be prone to fraud. Based upon current information available, the area supervisor has no way of effectively tracking area production completed within the CWBC proprietary EDGE loan software. I could say that I completed production of 26 units in order to receive a ticket, when in reality I may have only completed 25. Recommended realignment of the award system could be completed in the following way: 1) Award not just the amount of production accomplished, but the lack of errors in that production. Set up a simple tracking system through the simple implementation of Microsoft Access style software integrated through a link to the EDGE system. Since EDGE is in fact a Windows DOS hybrid (seems outdated), loans submitted for application on a daily basis could be tracked more efficiently and exported to a spreadsheet that would tighten controls over the production process.
Conclusion:
The mortgage funding industry is an extremely competitive environment. Freedom of choice means that one day a company is on top of its game (CFC stock quote of Summer 2004 was almost $40 a share), to playing catch up due to ineffective controls (25% devaluation during fall 2004). The value of companies are only as good as the value they create. In an earlier paper, I submitted that a corporation’s one true allegiance is to the investors upon which it depends for the input of capital. Upon the completion of this course, I have learned that not only does a company have an allegiance to the shareholders, it also is beholden to its employees and seemingly, at the mercy of its suppliers; especially for the customer base it wishes to generate business to. Only through the establishment of controls through not just the adoption, but implementation of effective controls can any company hold and maintain market share. That is the difference between a cash cow that is consistently capable of reinventing value to being seen as a dog of the industry with no value remaining, just parts to be picked over by the rising stars.



Left: June 14, 2005 By: pat In: Usa

Please read some of the stories and an on going conversation with a CHL employee under the state of Massachusetts on this site. Wow, that "Ortize " guy is a true representation of a CHL associate!


Left: June 13, 2005 By: KEEP FIGHTING THESE MORONS. In: CHL ARE CROOKS

HERE IS THE STORY OF THE 30 MIL LAW SUIT.

Countrywide Home Loans settles suit

Countrywide Home Loans Inc. agreed Tuesday to a $30 million settlement in a class-action suit brought against the company by employees at its California call center in Rosemead.

The $30 million will cover claims for unpaid overtime wagers, reimbursement of wage deductions, compensation for on-duty meal periods, attorneys' fees and related items.
Countrywide also agreed to reclassify all of its California call center account executives as non-exempt from state and federal overtime and other wage and hour laws.

The settlement has been given preliminary approval from Judge Victor H. Person of the Los Angeles County Superior Court.

Countrywide Home Loans is a division of Countrywide Financial Corp. (NYSE: CFC) Both companies are based in Calabasas.



Left: June 10, 2005 By: Good news In: USA Today

Angelo Mozilo, CHL's CEO, has been under Federal Investigation for some time now. He has been video taped talking about how CHL basically adds fees to loans at will. Also he talks about how CHL calculates the odds of people that will pay them the bogus fees and those who will not. Basically, the money made on the ones who do pay (and just bitch about it) far exceeds any legal battles and money payouts. They can afford to do this because they do offer the lowest rates. What’s a person to do. Not many people are willing to ditch CHL even after they have been screwed because of the hidden end charges and the enormous expense of another closing cost. The special on CHL and Mozilo is supposed to air on 60 minutes sometime this summer. These guys are crooks. If they used a gun to rob someone they would go to jail, but apparently the government allows them to rob you with a pen. I think it will continue to go on as long as our fungus like federal government keeps getting their fat share of the tax loot.


Left: June 10, 2005 By: Monica Lewinsky In: Los Angeles

Nick Carretti Sucks!
He ripped me off!
Fat communist Bastard!



Left: June 09, 2005 By: Olja In: California

Not sure what this website is all about since it openly advertises other mortgages (don't get CountryWide, but get this one kinda thing), but I found it, and I read it, so it serves the purpose I am interested in, and that is to tellother people about CW foul practices.
I signed up for a loan with a 30 day lock and turn-around. 23 days into it I got a call from an underwriter telling me that she needed to change my loan to a way higher rate (as apparently i shouldn't have gotten approved for that loan in the first place) with points. I called the loan originator, and without telling him anything asked what the rates are for this other loan, and he gave me a better rate! I went back to the underwriter and told her I wanted that rate and she told me I could cancel the loan if I didn't like the rate she gave me (week before it was supposed to fund) - basically forcing me to take it.
Then they charged me .375 of a point to extend my loan lock (which had the exact same rate and everything on the day it was extended to when it was originated). Again telling me you can cancel if you don't like it - forcing me to pay it.
I complained to bank manager, and bank manager called me with that underwriter on the phone, repeating same ol BS that the underwriter was telling me. So, I called the regional mngr, and he told me that that was his star employee. End of story. Beware of CountryWide!!!



Left: June 08, 2005 By: Former Loan Officer In: Los Angeles

Another former employee abused by CHL:
I worked for CHL for over 2 years as a Loan Officer. I was in the process of speaking to an attorney when I was invited into a class action for uncompensated overtime with the catch of having to waive my rights to any other law suits, and believe me I have many complaints, but I took the class action settlement since it's already a done deal. Anyway, let me inform you all about how CHL operates. There are good employees like myself, or "WERE" good employees. They move on when they find out how CHL operates or they get pushed out by management for actually being on the side of the customers. There may be sleazy employees, but it's the company itself that is to blame since they train and foster the employees to be that way, and abuse those who don't.
Speaking from an insider view, CHL definitely pads the interest rates and fees (which is out of the control of the Loan Officers, although Loan Officer's can make it even worse). They charge 3% discount points across the board if you're not an A paper borrower, that's outrageous in comparison to other companies. So they are padding the back end and front end. The company makes a damn good profit on each loan, and it's a definite rip off; let me repeat, the COMPANY makes the money. On a loan that generates $15,000.00 in revenue the individual Loan Officer may see $500.00 of it. The rest goes into the fat pockets of the long chain of higher ups.
The problem with CHL is that it is too big, the higher ups keep getting richer and richer while they keep a massive workforce of slaves who work an average of 10-12 hours per day trying to meet impossible demands for production that is never enough. The production goals continually increase as the compensation decreases. I left when I had a nervous breakdown from working 12 hour days six days a week, mandatory based on production goals. The employees are brainwashed into believing they will achieve financial success, but it's the higher ups that are making the profits.
Some more info: CHL owns the appraisal company that does their appraisals, called Landsafe. They say it's an independent third party, but that's a lie. They get a profit off the appraisals. They also require the payment up front and won't refund you the money when it comes in short of value, which often times it does come in short in value, since the appraisers systematically lowball the appraisals. Just a tip: if this happens to you, call and ask to speak to the manager and say you want a refund, or you will file a complaint with "the office of the president." They don't care unless you make that threat, if then, but that's the best way.
Also, you will see that often times your loan will be purchased by CHL, why?, because they are on a massive campaign to monopolize the mortgage industry and build their lead sources or portfolio up to solicite future business. They figure the more loans they buy and service, the more customers they have. They especially will buy loans that are adjustable or fixed for a period of time that turn into adjustable so that they can refinance you.
Another way they make money is to solicite current customers who still have a prepayment penalty, so they get paid on the prepay in addition to the costs of the new loan. Yes it's tax deductable, but not 100%.
I've heard that the customer service/servicing dept. is horrible. They will post payments incorrectly and ruin your credit when it's not your fault. I think the best way is to pay online and print up the confirmation page and keep it in your records as evidence.
Also, often it may seem like your loan will fund at the end of the month, but please don't count on it, you have to continue to pay, because 90% of the time there will be a screw up by the funding dept. that causes your loan not to fund until the next month, even though you signed on time and did nothing wrong, and CHL will report to the credit bureau a late even though they are the morons that didn't wire the money to pay off your previous mortgage.
When I purchased my home I went with another lender, but guess what happened, CHL bought the loan, now I have to pay to these SOB's every month, when my prepay expires I am refinancing with another lender who services their own loans and state I do not want my loan to be sold to Countrywide.
I now work out of my home as an independent broker and real estate agent. All in all I guess I learned from Countrywide how not to do business and who not to do business with. I just really hope that more people catch on to how Countrywide mistreats their customers and employees and to stop supporting them by giving them their business or taking employment from them. I believe in being fair and honest with my customers so that I will continue to work with them throughout their lives, not be greedy and make a quick buck and drop them by the wayside as Countrywide does. Although, CHL does preach a different work ethic that people unfortunately buy into.
The RVP used to say time and time again, "people will work with us because of the name Countrywide." "I'm lucky to work for Countrywide because the company has taken care of me ($$$$$$$$)." I'm amazed myself about how so many people will get ripped off because of the name Countrywide. I had a client that I was in the middle of refinancing when I was leaving the company that wanted to stay with Countrywide because he loved it even though he was paying a higher interest rate, almost 2% higher and double the costs!! because it's a big name, people please!! Countywide's philosophy is a lie, just a gimmick to brainwash the public so they open their pocketbooks in ignorance.
Just about every day, especially near the end, I was disgusted and frustrated with the stupidity and greed, or just plain evil greed of those I had to work with at the company.
Anyway, I hope what I said here helped in some way. I can't say my name in case anyone from CHL who sympathizes with them reads it. They have their own big time legal dept. and some people within the company are pure evil and don't flinch as they destroy your life.


Left: June 06, 2005 By: it dosn't take a PHD to see that In: frezno

Holly shit countrywide sucks!


Left: June 06, 2005 By: Krystal Jones In: Westlake Village

I have worked for CHL for a year and a half now. I have found that the corporation only employs bitter angry middle aged ho's who want to bitch and moan about their miserable and angry lives. I've waited for a raise for 4 extra months then when I was originally promised I would see one. The surprise, I am a VP in the quality Control Department. Yes , I have many employees and I hate them all. They hate me. That's what we're all about. When I resign, I'm going to just walk out right away, no notice I HATE COUNTRYWIDE


Left: June 02, 2005 By: Jane B. In: mid state

To Kevin In: In Love - lol...
Why don't you tell everyone you are a full blown raging homosexual. How about this for an acronym ...FUCK YOU !



Left: May 28, 2005 By: Sue and Ray In: Fullerton

Well, my husband and I purchased an investment property in AZ. All went well as we were with Spectrum Financial Group, Inc. then the nightmare - they sold to Countrywide. We have worked with them before and were so glad to get out. We did not know we could notate: Do not sell to Countrywide or its Affiliates.
Since we have been with them, we have been working to get the property into shape as their were two vacancies. In all the payments we had been making, we did not notice we had not been receiving our statement. Who has ever heard of not receiving a monthly mortgage statement? Well, when they called late one night to see if they could foreclose - my husband and I went crazy to see what went wrong. Countrywide failed to follow the loan docs and were sending the statement to the renters at the property address in AZ instead of to the mailing address in CA! Yet, they got our phone # in CA! When I asked how that could be - he stated, "They had ways and that was not for us to know." He then tried to say it's a courtesy to send and they are not legally obligated to send one. I stated if they sent one to the wrong address and they had the right address - they just don't make sense! Thanks for allowing us to vent...


Left: May 27, 2005 By: Dawn Kornder In: Ventura CA

In the year 2003. We were with another online payment option to another company who pays out to countrywide via ach withdrawal. Unfortunately only because countrywide did not have the bi monthly payment option in place to access, and with the other company this was working really well.
We were able to have money every month. The ach withdrawal 2x a month was easy. But when we funded with countrywide. We continued to use the other company to pay. Now it gets hairy the crue of this problem was that the countrywide had access to a secound ach withdrawal. We forgot how but first we tried to stopp countrywide from debiting out account. When that failed, we were able to pay out of our pockets for awhile for two payments maybe 2 months, of course we never were reimbursed from countrywide it all went into a escrow account. Until we called countrywide wrote a letter and such and could not get them to stop requesting the money from the bank. Placed a stop payment to them at bank level. Still no reimbursement.
But in their wisedom they continued to access our account and the governing body of the bank does not send out that a memo on the reason for the stop payment, to countrywide that we just requested to have them stop requesting money for no reason. But we did tell them in aletter and phone call why. That it was never comprehended by countrywide was evidently clear to us. Just being lazy and not wanting to help.
Now a year later they have the payment options in place and we request to get on the option of bi monthly. The problem is this when called to inquire about said option they tell us first okay. But then they tell we they can not do the option . Because the payments previous not made to them have been logged as being insufficient funds from the bank. The payment coming from the other company have been on time every month. So they can see there are payments made from someone who they don't care. Payments have been on time.
The next thing we do because they tell us first that they can put us on the bi montyly option is to stop the other payment from the other company which we do.
Now Countrywide renegs by telling us that cannot access the option. They say now we must pay via cashier check only!!!!!!!!!! can't even pay online. They tell us it is for one year. Now we have stopped the other company payments to countrywide. Even after explaining to countrywide that if they would look they would see the payments they had been on time.
They never researched the problem even though they said that they did.
We did just what they request for a year now they said that is has to be for 2 years. Hey wait a minute. We were sure it was for 1 year and all I got for a reply is Sorry.


Left: May 27, 2005 By: Dawn In: Ventura Ca

one last note I am refinancing with someone else this month. So long countrywide and bravo to the one submitted note on getting a clause in the loan that states your loan can not be sold to them.


Left: May 27, 2005 By: Dawn Kornder In: Ventura CA

In the year 2003. We were with another online payment option to another company who pays out to countrywide via ach withdrawal. Unfortunately only because countrywide did not have the bi monthly payment option in place to access, and with the other company this was working really well.
We were able to have money every month. The ach withdrawal 2x a month was easy. But when we funded with countrywide. We continued to use the other company to pay. Now it gets hairy the crue of this problem was that the countrywide had access to a secound ach withdrawal. We forgot how but first we tried to stopp countrywide from debiting out accountthrough countrywide. When that failed, we were able to pay out of our pockets for awhile for two payments maybe 2 months, of course we never were reimbursed from countrywide it all went into a escrow account. Until we called countrywide wrote a letter and such and could not get them to stop requesting the money from the bank. Placed a stop payment to them at bank level. Still no reimbursement.
But in their wisedom they continued to access our account and the governing body of the bank does not send out that a memo on the reason for the stop payment, to countrywide that we just requested to have them stop requesting money for no reason. But we did tell them in aletter and phone call why. That it was never comprehended by countrywide was evidently clear to us. Just being lazy and not wanting to help.
Now a year later they have the payment options in place and we request to get on the option of bi monthly. The problem is this when called to inquire about said option they tell us first okay. But then they tell we they can not do the option . Because the payments previous not made to them have been logged as being insufficient funds from the bank. The payment coming from the other company have been on time every month. So they can see there are payments made from someone who they don't care. Payments have been on time.
The next thing we do because they tell us first that they can put us on the bi montyly option is to stop the other payment from the other company which we do.
Now Countrywide renegs by telling us that cannot access the option. They say now we must pay via cashier check only!!!!!!!!!! can't even pay online. They tell us it is for one year. Now we have stopped the other company payments to countrywide. Even after explaining to countrywide that if they would look they would see the payments they had been on time.
They never researched the problem even though they said that they did.
We did just what they request for a year now they said that is has to be for 2 years. Hey wait a minute. We were sure it was for 1 year and all I got for a reply is Sorry.


Left: May 27, 2005 By: Current CHL employee In: Cali

First of all I do like that you are willing to post all different opinions on this matter and I hopw that you extend the same courtesy to me. I work at CHL and I have only been there for a short while and I have to agree that it does suck. Sometimes I ask myself why I work for a company that will let people talk to me the way that they do sometimes. Customers can be some of the rudest biotches that I have ever known. And the whiniest. CHL send out monthly statements as a courtesy...A COURTESY!!!! If you can't remember that you your house payment is due on the 1st of the month, well than maybe your dumbass doesn't need a house anyways. Now I am not saying that ALL of CHL procedures are perfect. Mnthly statements don't get sent out and funds do get mis-applied. Some of the people that work at CHL are worthless and lazy, but that is anywhere. CHL is not out to get you. They're not out to screw the world of it's money and homes. That is the talk of paranoid delusionals. Instead of wasting the already clogged legal system with petty issues, pay your bills. READ YOUR LOAN DOCS!!! Don't rely on the loan officer to tell you everything. If you sign something that you didn't read it's your own dumbass fault. You deserve to pay the fees, only don't think of them as early termination fees so much as a small price to pay for being a dumbass.


Left: May 26, 2005 By: Kevin In: In Love - lol...

please update your profile people... Mozilo is now on Forbes, as the 9th highest paid CEO in the world, and Countrywide is one of the most respected companies, and admired companies to work for... As for the person that claims they worked for Countrywide, and all there is is ass-kissing... Hello??? That goes on at EVERY compnay - where there is a very easy opportunity for advancement... Please note I know respect Countrywide a little more - since you don't work there anymore...

As for the person that lost their hearing - get over it - I have stock invested in CFC - and I'll happily say that I am very happy with my R.O.I... For some of you idiots - look it up!

I'm out!


Left: May 25, 2005 By: Erik In: San Jose

Notice that the CEO of Countrywide made $48,500,000 last year. That comes to $132,876 per day. I'm sure a company like that cares alot about average homeowners.

Erik


Left: May 25, 2005 By: uneducated consumers suck... In: Countrywide is god!

MAYBE IF YOU RETARDS GOT SOME EDUCATION ON THE MORTGAGE BUSINESS YOU WOULD NOT OF HAD THESE PROBLEMS. IT IS YOUR OWN FAULT YOU WERE TAKEN ADVANTAGE OF. THE ONLY ONE YOU CAN BLAME IS YOURSELF...



Left: May 24, 2005 By: Erik In: San Jose

Notice that the CEO of Countrywide made $48,500,000 last year. That comes to $132,876 per day. I'm sure a company like that cares alot about average homeowners.

Erik


Left: May 21, 2005 By: coco In: love

countrywide realy sucks or it just your imagination.


Left: May 21, 2005 By: WHOMEVER In: Sherman oaks

OK I DONT EVEN KNOW WHERE TO BEGIN. I WORKED IN THE COLLECTIONS DEPT FOR OVER 2 YEARS WITH CHL. I WOULD HAVE TO SAY THAT #1 THE MANAGEMENT IS HORRIBLE. OPEN DOOR POLICY I DONT THINK SO. SO MUCH ASS KISSING GOES ON AND FAVORITSIM ITS BULLSHIT. SOMEONE MENTIONED RAISES EVERY MONTH YEAH IF THEY LIKE YOU AND THEY FIX THE NUMBERS SO YOU CAN GET ONE. IF THEY DONT LIKE YOU SOMEHOW YOU FAILED THAT MONTH AND OH WELL TRY HARDER NEXT TIME. THEY NEVER APPRECIATE YOU EVER. THEY MAKE US TREAT OUR CUSTOMERS LIKE SHIT AND I WOULD BE NICE TO MY CUSTOMERS SO THEY HATED ME. I HAD A CRACK HEAD TEAM LEADER WHO I CAUGHT TALKING SHIT ABOUT MY CO-WORKERS. I TOOK IT UP WITH MANAGEMENT AND THEY COULD CARE LESS. THATS WHEN I REALIZED I SHOULD HAVE SUED FOR EMOTIONAL DISTRESS AND FUCKED THEM IN THE ASS. SHE LATER WROTE ME UP FOR CALLING IN SICK AND SPEAKING TO SOMEONE ELSE. AFTERWARDS I WAS TOLD I COULD NEVER MOVE UP. BUT THEN YOU HAVE THE DRUGGED UP MANAGERS SMOKING WEED 24/7 MOVING UP AND GETTING PAID MORE...YOU GOTTA WONDER WHATS GOING ON FOR REAL. THE PEOPLE THAT SAY THIS COMPANY IS THE BEST BLAH BLAH BLAH YOUR BRAINWASHED OPEN YOUR EYES U PROBABLY WONT NOW BUT DONT COME BACK SO WE CAN SAY WE ALLL TOLD YOU SO. OHH AND ANOTHER THING WHO LIKES WORKING ON ALL HOLIDAYS WITH NO HOLIDAY PAY NOT ME. WE WORKED THE DAY AFTER CHRISTMAS ON SUNDAY CALLING HOMEOWNERS FOR PAYMENTS. THATS A CROCK OF SHIT. ANGELO MOZILO WAKE UP AND HIRE REAL PROFESSIONALS NOT FAT ASS LAZY VP'S TO FUCK UP YOUR COMPANY.


Left: May 21, 2005 By: California Call Center In: Lancaster

I am a current employee of Countrywide Home Loans, and I thought I would just write you to let you know that this site is so bogus. I have been working for this company for over 2 years, and had to suck or kiss anyones butt to get where I'm at. I have never ones heard anyone say anything about Wells Fargo, and have never worked more then 10 hours a day, due to Countrywide not allowing it. I love my job and the customers I serve. No business is perfect, you are going to have complaints and unhappy people every where. You cant make everyone happy. Our whole customer contact center is being based around satisfying the customer and I find that taking the word of digruntaled employees is bizare it's biased. In the time I have worled for Countrywide I have been promoted 5 times, and I did it by loving my job and working hard. If your going to sit one your butt and not do what your getting paid for then dont complain when you get fired. Countrywide has been cleaning house and any complaints we get are addressed with the utmost importants. The only two things you can get fired for are: not doing your job, and being rude to customers. Countrywide is such a great place to work they pay way more then all the places around her, and you get a raise every single month as long as you do your job. They give tons of bonuses, and give away trips, tickets to sporting events, movie ticket, and tons of great prizes just to keep the morale up. I went on Maternity leave for 6 months and not only did I get my same position I got promoted a month later, and I didn't have to have my lips permanetly stuck to my supervisors butt. I did it with hard work, and the love of my family. I dont know if you will post this or if this is a waste of my time. I just thought you should know that what these ex employees depict in here is wrong.

Sincerly,
Call center queen

P.S I dont know of any drug deal of druggy people, and I sincerly doubt anyone else does. We dont hire those type of people.


Left: May 12, 2005 By: Nick In: Rialto

I am in the process of purchasing a track home in victorville calif. The perferred lender for the builder is countrywide, so I was preapproved for a 80/20 loan then she called saying that would'nt work. I was then told I qualified for a fha 30yr fixed loan, I called on thurs and was told things were fine. I get a call on monday saying that they couldnt help me and I was being sent to a friend of hers. The best part is she said she is doing me a favor.


Left: May 12, 2005 By: Sherri Cauchi & Mark Vincent In: Vacaville, CA

We are currently being charged for three (3)months of late charges and we HAVE the receipts where we pain in the office! You are right they do SUCK! We call time and time again with no resolution what so ever and every month those same late charges are on our account statement.


Left: May 11, 2005 By: Cynthia Tinsley In: Upland, California

My problems are the same as everyone else. It tells me there is a pattern of poor business practices. I get my statement for payment always after the due date. So I resorted to xeroxing one statement and sending copies with my payment so they would arrive early. Guess what they post them after the due date add late charges. Never let me know. they subtrate the late charge monthly and then sent me to collections without every notifying me there was a problem. the excrow account has been problems with paying our house insurance, taxes etc. Our whole experience with them has been bad. Clerks are rude when you call them, they never get your payments to you on time, they refuse to send coupons so you can mail them on time.


Left: May 11, 2005 By: Daun Pullem In: Fresno

Here we are in MAY! still no reimbursement for thier MIstake!. Now they have our mortgage payment as " LATE!". Ive talked to 3 different supervisors and have emailed everyone on thier list of directors,,"they are all very concerned,,but gee,,nothing we can do about it"
we are soooo sorry,blah blah..I can't believe theres nothing that can be done about this,,PS,,if you look in the fine print of your policy,,they cannot be sued,,there is an arbritation clause..oh well..guess someone just got an $800.00 commision for incompetence.


Left: May 09, 2005 By: Brian In: San Jose

I am writing this as I wait on hold yet again with Country Wide. I was doing a search online looking for information to sue CW when I came across this site. Thank God for the sponsor of this site. I hope people can read about Country Wides unethical, unprofessional, and dishonest conduct of business. I am truly amazed how this company could be in business. After CW purchased my mortgage note from another lender, Country Wide took 4 months of payments and applied them "erroneously to someone else's account" They lowered my credit score by 200 points due to their mistake. They tell me it will take 30 days to correct the problem due to "being back logged" ...go figure!



Left: May 04, 2005 By: DB In: Texas

Dang it, dealing with the bureaucrats at Countrywide is SO frustrating. I wish somebody... anybody... could come up with the name of an attorney that has successfully sued Countrywide. I'd hire that lawyer in a flash!


Left: May 03, 2005 By: serious matter In: so.ca.

this is crazy cant someone stop this co. from stealing you dont take 800 bucks from apersons acct. by mistake f...k you c.w. you have to be punished for this or there is no justice left im going to go over there head. gov. sen.or pres! & media!


Left: April 25, 2005 By: hehe In: hehe

hehe


Left: April 25, 2005 By: Daun Pullem In: Fresno, Ca

Update on the saga/ here we are at the beginning
of a new week,I spoke with Stephanie at Countrywide, she states that I should have the money back in our account by Wenesday or Thursday!
Thats now over week that I have spent on the phone and faxing letters proving that " they" took out the incorrect amount, I am waiting to see if it goes back in by the given days.I asked if they were going to pay interest on the $800.00
they "borrowed". Stephanie thought that was funny.


Left: April 24, 2005 By: ha In: haha

very unprofesonal hahahahaha


Left: April 22, 2005 By: Daun Pullem In: Fresno Ca

We used to be Washington Mutual customers. We had several years of bad services with them so when we refinanaced we went with CountryWide on the recomendation of a friend. Things were going well until the 18th of April when there was an automatic debit from our checking account of $1160.00 for a $363.12 mortgage payment. I called the Customer Service # and s/w Sammi, atleast I think thats what his name was, his accent was so heavy I had a hard time understanding him, He apologised several times and said that the money would be returned to our account the following day.He even had a 3 way call with me & the bank to verify that this was a " computer glitch" and that several people had been affected. On the Friday following the money still had not been returned and I now had checks bouncing all over. I called and spoke with " Angela" at EXt 5447 and was told that she would take care of the transfer herself and call the bank to clear the overdraft charges and that the money would be back in our account within 24 hours.She then asked me for my account information,I asked why she needed it, they have all that information for my monthly payment on auto withdrawl, she stated it had to go through another dept that did not have that information.I am now up to $200.00 in overdraft fees and still have not received any phone calls from the superviser nor has the money been replaced. I wish I had known about your website BEFORE we went with them. God help us now.


Left: April 20, 2005 By: JOKESTER In: JOKELAND

What a joke ! ha by the way Im getting a lawyer tommorow the idots messed to huge this time they wont be able to cover up or hide this one. hurray for the little guy! and the media!


Left: April 20, 2005 By: BC In: LA

Even if you are NOT getting a loan through Countrywide, be sure to have a very important clause written in your contract that prohibits your mortgage company from selling your loan to Countrywide in the future, for servicing or anything else. Avoid these knuckleheads no matter what it takes.


Left: April 20, 2005 By: roy In: clearwater

always give loan instruction: that no-one at countrywide is to ever service or handle your loan needs in any manner.


Left: April 19, 2005 By: Shaunda In: Temecula

Its true what they say. "God works in mysterious ways". I am in the process of obtaining a loan from Countrywide. For a while now I have noticed certain things in my contact with their representive that makes me wonder. I want to thank you and everyone who has written in, because of you..... Beleive me this is one customer they will not get their hooks into, and if by chance my loan is moved to them through some other company I will be well warned of their tactics.. Again THANK YOU!!!


Left: April 14, 2005 By: Anonymous In: Clovis

Just a quick note to let you know that U.S. Mortgage Center located in Fresno, California (but services the entire state) uses Countrywide Home Loans for most of its transactions. They are in the business of finding you the best rate and Countrywide almost always has the best rate and worst service. U.S. Mortgage Center doesn't care about the customer service you will recieve after they "dump" your loan to Countrywide. They care about the frontend money they make on sticking you with Countrywide, due to its low rates. Avoid U.S. Mortgage Center at all costs.


Left: April 14, 2005 By: DIANE HOZMAN In: BERMUDA DUNES, CALIF

countrywide misappropriated a hazard insurance refund of $540.00 due me. they claim the money was sent to my new mortgage lender but in reality it never left countrywides 'accounting
powers that be' and nine months later i am still trying to find out what happened to my money!


Left: April 14, 2005 By: Dick Countrywide before they dick you In: Irvine, CA

I didn't get ripped off by them, but I could have if I wasn't smart enough for their scam tactics. My story:
To get a really good interest rate, I agreed to a prepay penalty until 2007 when I refi'd with them in Jan 2004. Since that time, they have hounded me to refi again! Remember, I said prepay penalty was part of the contract. Do they waive it, not on your life! Not only do they not waive the prepay penalty fee if you refi, but they add another prepay penalty fee again! The assholes thought I would fall for this...nope! Well I considered going with them again for a new house thinking they might deal on the prepay. Nope weren't going to budge, yet they were willing to add a prepay penalty on the new home's mortgage. Needless to say, I told them to stick it up their ass and reported them to the CA Attorney General. I would suggest others do the same.


Left: April 12, 2005 By: I hate Dax Coley In: Sacramento Ca

I forgot to add Dax Coley's phone number so that anyone that wants to call him can. He is a cock sucker and the biggest jerk. 800-669-6686 ext 1496. He will screw anyone over if yo do a loan with him.


Left: April 11, 2005 By: An Admirer In: Sacramento

Just wanted to put in here that Dax Coley at countrywide sucks. NEVER do a loan with them or any transaction with him. Feel free to e-mail him to tell him that he sucks Dax_Coley@Countrywide.com. He would love to hear from all of you.


Left: April 10, 2005 By: ha In: haha

countrywide sucks hahahahahaha


Left: April 07, 2005 By: Danielle D P Hemphill In: Palm Springs

Jan. 2003 my husband and I used countyrywide and bought a house. My husband and I filed for a divorce that June. The divorce was the easy part. He and I are better as friends. I never, not once missed a house payment, nor have I been late!!!! I jumped through all of their hoops to have Kyles name removed, after all I got the house because I was the one who put the 15,000.00 down on it. I didn't want to see my ex-husbands name every month...call me crazy....but, I made all the payments, I worked hard to keep everything up to date and paid for. Well, here it is 2005 and I am re-married and I can't even put Randy's name on the house because they won't take Kyles name off. But they had no problem changing my last name. I mean, if something ever happens to me, I sure as heck don't want my house going to Kyle!!! Then after numerous calls and e-mails, they told me," Ohhhh, were sorry, but the only way to take Kyles name off requires a one time payment of 1,000.00 ." Yeah righ..They can't hit delete or
what....They then said, oh don't worry, it will only cost 200.00 to add your new husbands name!!!! These people are a joke..Glad I found your site!!! Rot in HELL Countrywide....I'm refinancing through someone else as we speak!!! Have a nice day :)


Left: April 06, 2005 By: daniel In: vallejo

is there any way to prevent what they do does anybody have a sure fire way to get them to behave like a responsible lender? i would be grateful for anyone who has dealings with this company and no problems, to tell me how you do it. i recieved the news that i had my loan sold to this company a couple o weeks ago. i didnt think anything about it until i came across this site . now im totally stressed that this is goin to be a nightmare


Left: April 06, 2005 By: daniel In: vallejo

i just found your site because i was looking for country wide home page to make my first payment my loan was just sold to them i have yet to recieve a statement or an account number so i had my bank send the payment with a reference number to theyre payment processing address in van nuys i emailed them after seeing this site and warned them that i was aware of they,re tactics and pasted your web site along with my e-mail


Left: April 06, 2005 By: tired of C.W. In: so.Cal.

dear C.W. Sorry to inform you but you have became to large to control or do good buisness,so why dont you take it like a respectable co. you claim to be and step down or else fix your dam problems you create in a timely manner thankyou.


Left: March 28, 2005 By: Monica Lewinsky In: Los Angeles

The comments posted below about Nick Carretti is a joke. I apoligize for this and it will not happen again.

-Thank You


Left: March 28, 2005 By: Monica Lewinsky In: Los Angeles

Nick Carretti Sucks!
He ripped me off!
Fat Bastard!


Left: March 26, 2005 By: Ron In: Huntington Beach

This is my first month with CountryWide. I set the loan up with autopayment, which they charge a $5 each transaction fee for. Twice a month they get their money quicker, make the interest, and charge me for it!. Next, since the very first payment did not clear on time, they assesed a late charge, turned me over to collections and demanded payment over the phone for a $12 fee. I cannot access the online system for payment un less i list one of there pre-assigned reasons for late payment. - unemployed- lack of finances - illness in family. NONE of the reasons list "CountryWide failed to process account". This is not the company I chose for my loan, they bought it from SCME where I had everything set up. So, to summarize, they screwed up, I get a late fee and sent to collections, they wave the late fee and charge me a processing fee... quick way to make an extra $12.


Left: March 25, 2005 By: Mr. Happy In: Huntington Beach

Ha ha Its not 6.4 in a 8 hr work day your not counting the 30 lunch and the 2 15 min breack and then the time to file the paper work between ... its more closer to 4 min...lol


Left: March 22, 2005 By: robyn...again In: California

Uh oh. This little blurb on CW's website raises the possibility of customer service issues becoming more pronounced:


CFC India Services Private Limited is a wholly-owned subsidiary of Countrywide Financial Corporation. Located in north Mumbai, India, in the suburb of Malad, opened its doors on May 3, 2004. CFC’s purpose in establishing this subsidiary is to provide cost efficient and timely resourcing options to all CFC divisions.

The staff of CFC India and the number of business processes being handled by this subsidiary are both growing rapidly. Current business processes include IT applications development, call center work and back office data entry and processing.

If you are legally authorized to work in India and are interested in a position with CFC India Services, please send your resume/C.V. to RecruitmentIndia@countrywide.com.


By the way, I'm all over their career section because I was interested in working there. Oh vey!


Left: March 22, 2005 By: robyn In: California

This might be inconsequential to others, but I thought it would be interesting to pull up one of CWHL's job ads for a cust service rep. I found it surprising that mortgage experience was not necessary and the number of phone calls a rep was expected to process was 75 per day which equated to 1 call every 6.4 minutes of an 8 hour workday.

Customer Service Tele Rep I
Location Simi Valley,CA
Job Function Customer Service
Division Loan Administration

Customer Service Tele Rep I
Responsibilities:
Receive, respond to and process customers' telephone inquires on real estate loans in high volume call center by maintaining department's First Time Right quality and productivity standards.

First Time Right quality includes following a three-step process for handling calls:
1. Identify the customer's issue
2. Provide a solution
3. Cross refer products and services.
Additional quality measurements include: repeat calls, transfers, errors and Listening In Quality. Productivity standard is to process an average daily call volume of 75 calls.
Telemarketing and outbound dialing campaigns as developed by the department.
Set follow-ups as needed to resolve the customer's request, escalating ongoing issues to Team Leader, maintain timeline, and autolog calls.

Requirements:
A high school diploma, GED or equivalent.
1 year of customer service experience.
Mortgage banking knowledge is not necessary.
PC Proficiency (Word, Excel)
Excellent communication skills.
Ability to type (30wpm).


Left: March 22, 2005 By: LYN In: California

WE AT AMERICAN HOME LOANS SPECIALIZE IN 100% FINANCING, JUMBO LOANS, BORROWERS WITH FICO SCORE OF 500 AND GREATER, AND LOW RATES. SO IF ANYONE THAT NEEDS A LOAN CALL AMERICAN HOME LOANS AT 951-656-6171 OR CALL ME DIRECTLY AT 951-654-8276, OR EMAIL AT DMYERS692@AOL.COM
THANK YOU,
LYN MYERS


Left: March 20, 2005 By: Linda In: Orange County

Here is a number for Loan Administration, Office of the President, that is the highest level for servicing proglems, call 800-669-6093. Hopefully, this will get you to someone to resolve the issues.



Left: March 19, 2005 By: we need a lawyer In: so. cal.

well it should be a winning case.breach of contract on maybe millions of contracts? wish I was a lawyer.


Left: March 18, 2005 By: greg In: grand terrace

I HAVE GOOD NEWS COUNTRYWIDE SCREWED UP IN MY FAVOR,THEY RECORDED MY DEED AS FREE OF DEBT & NO MORTGAGE OWED,PAYED IN FULL. WHEN ALL I DID IS REFI. THATS THE TRUTH. BUT FOR SOME REASON THEY KEEP SENDING A MORTGAGE STATEMENT EVERY MO.I THINK THIS COULD BE A REALY HUGE LAWSUIT.LUCKY FOR THEM I CAN`T AFFORD ONE.


Left: March 17, 2005 By: In: Bay Area

I am an ex-employee. It seems like this company likes to turn a blind eye to inappropriate behavior. There has been racial discrimination, name calling, harassment, threats, etc. Everything that you can think of has happened at my branch, it should be considered as a very hostile environment. Almost all of our group have had left that branch either to transfer or quit. Upper manager from the Area Sales Manager, Regional Manager, and Human Resources received multiple complaints about our branch manager but they said that it wasn’t a problem and we are the ones that are trouble makers. Human Resource will not return your phone calls and they will talk to the branch manager telling who was complaining when it was suppose to be confidential. The Branch Manager can get away with every thing and any thing including fraud. They don’t like people rocking the boat; they are only concerned about how much money you can make for them. They really don’t care how people are mistreated. They give too much power to their branch managers and they really don’t take the time to valid employee’s complaint. It is a great misfortune that they like to lose hard working, talented, and great workers. We were the ones that actually cared for our clients. There are better companies to work for then to have to subject yourself to a hostile environment.

The reason Countrywide is dominating the mortgage business is because they do a lot of fraudulent loans and the especially enjoy churning loans. I feel sorry for the investors who are buying these loans. I hope that the homeowners don’t go into foreclosure because the investors are the ones screwed.



Left: March 17, 2005 By: In: San Diego

March 17, 2005

I am glad I found this site. We need more people to add to this site and create similar sites for other institutions that mistreats the buyer.

Shannon on Feb. 1, 2005, feels like this site is a waste of time. But for a first time homebuyer trying to find information this is a great site to have happen upon; I would know because I teach homebuyer education and knowledgable buyer is much more powerful in negotiations than an uninformed buyer.

I believe the more people sign up and tell their story loan companies like Countrywide may catch a clue and clean up there act. P.S Town & Country Sucks San Diego


Left: March 16, 2005 By: DB In: Texas

OK folks, this is going out on a limb, but for those of you (like me) who have experienced the eternal hold while waiting to speak with someone at Countrywide... this appears to be the phone number to reach their CEO Angelo Mozilo at home: (805) 565-9784 or (805) 969-9338. These numbers were easy to find on the YAHOO People Search website.

If you're really frustrated, may I suggest ringing their head guy at home? After all, Countrywide can call YOU at home, right?


Left: March 15, 2005 By: Bob In: San Diego

Try to call Countrywide home loan "Customer Service". It is unbelievable! You are stuck in voice mail hell. If you want to speak to an agent, you push the correct button. The message is please hold for the next agent. Then.....dial tone!

All I wanted to do was talk to a human about my loan. I made a payment on 2/28 but notice they have not cashed my check yet! Countrywide does not publish any phone numbers to talk to a human, nor do they allow you to email them without sending your ss number over internet!

This in my opinion is the worst customer service I have ever experienced!

Bob
San Diego


Left: March 14, 2005 By: Lisa S. In: Norco, CA

March 14, 2005

I am so glad I found this website. I actually had completey forgotten about how terrible Countrywide was. When my husband and I bought our first home over 10 years ago, our loan was immediately sold to Countrywide. We started out with the same problem a lot of others are sharing about the appraisal issue. I had been charged the appraisal on my fees and costs, and subsequently paid it. However, Countrywide never paid the appraiser, who then came to me for payment. I battled that for many many months finally proving that I had indeed paid it and Countrywide either came through with payment to the apppraiser or the appraiser dropped their case. Then after having my loan for a period of time I contacted Countrywide to have my PMI removed. I had met ALL of their criteria to have it removed, including far exceeding the equity ratio in my home. It was one call after another for me, down a dead end road everytime. I would talk to people who said they would remove it, then didn't. Then the next person I'd talk to would say it can't be removed I didn't meet the criteria. Countrywide then sent me a letter stating that if I wanted to pay for an appraisal myself, they would remove it. So I did and again met their criteria. However, they still refused to remove it. Then I discovered that during that time they were telling me I had an escrow shortage requiring me to send more money in a lump sump or increase my payments, when in fact I DID NOT HAVE AN ESCROW SHORTAGE! And they NEVER RETURNED MY MONEY TO ME. Being that this was all fairly new to me, I did not know better. However, I learned many wrong doings about Countrywide. This is not a Truth in Lending Company. After complete frustration with this company, I ended up refinancing with another company to be rid of the Countrywide headache. I WILL NEVER NEVER NEVER USE COUNTRYWIDE AGAIN!!!




Left: March 12, 2005 By: Len R In: Rocklin, CA

My mortgage payment is due the first of evey month but there is grace period where the payment should be received by them no later than the 10th of the month. I sent a partial payment on 2/24 and the remainder of the payment on 3/2 of which they received it on 3/7 but they forwarded me to a collection agency which has never happened to me before. I am extremely frustrated that they cannot handle a simple set of transactions like this. I have not experienced this with any other mortgage company. I purchased several home and country wide has been the worst experience. I would not recommend them to anyone...


Left: March 08, 2005 By: Brandon Gomez In: Anaheim, Ca

If anybody needs a good home loan, please call Brandon Gomez at Todays Home Mortgae at 888-390-5536.


Left: March 08, 2005 By: RANDY SLATER In: HEREFORD

TO ALL INTERNATIONAL BROTHERHOOD OF ELECTRICAL WORKERS-I.B.E.W. and ALL OTHER UNION MEMBERS.
DO NOT USE THIS COMPANY PLEASE!!!
My home is in Texas and I live in Califonia.It's rented out.Countrywide holds my 1st.I was trying to get a 2nd mortgage to payoff credit card debt.I was promised 3 weeks.Now about 6 weeks later it has fallen through.COUNTRYWIDE DOES NOT UNDERSTAND UNION!!! Or I cannot prove it,do not like Union.I had told 1 credit card company that I would payoff the loan at a certain time.Now late with fees and trying to get another loan going it'll make things worse.Please do not waste your time with any type loan with these people.Usually you get a voice mail,never a live person.Lots of times they'll call you back at the end of the day before their leaving if they have a question for you.A piss poor company.LAST,I WAS NEVER LATE ON ANY MORTGAGE PAYMENT.AS WELL,I WAS BORROWING EQUITY AGAINST MY HOUSE.GO FIGURE.


Left: March 06, 2005 By: Deal breaker In: California

Countrywide can call me a full week before my payment is due and ask me if have mailed my payment yet(Iam full grown I dont need another mother) but they cant even pay my taxes on time as I have recieved delinquint tax notices from the county accessers office. I've had dealings with four mortage companies in my life and countrywide is by far the worst


Left: March 05, 2005 By: Joseph James In: Santa Clarita

I have had a first mortgage with Countrywide Home Loans for over 12 years without even a late charge up until 2 months ago when I paid a payment after the 16th of the month but did include the late charge and it was still in the same month. I missed work because of illness but still never went beyond the current month. I received harrassing calls and letters saying they were a debt collection company. I thought they were a company who has made thousands of dollars in interest off of me and had only one late payment in so many years. Countrywide constantly solicits me for a refinance or line of equity credit and then on the other hand makes rude, abrasive calls to me demanding payment. The attitude of the collectors is horrible and non caring even in light of my payment record. I wouldn't deal with them again after this episode, no matter what. It is obvious they are too big to care about their customers.


Left: March 05, 2005 By: Joseph James In: Santa Clarita

I have had a first mortgage with Countrywide Home Loans for over 12 years without even a late charge up until 2 months ago when I paid a payment after the 16th of the month but did include the late charge and it was still in the same month. I missed work because of illness but still never went beyond the current month. I received harrassing calls and letters saying they were a debt collection company. I thought they were a company who has made thousands of dollars in interest off of me and had only one late payment in so many years. Countrywide constantly solicits me for a refinance or line of equity credit and then on the other hand makes rude, abrasive calls to me demanding payment. The attitude of the collectors is horrible and non caring even in light of my payment record. I wouldn't deal with them again after this episode, no matter what. It is obvious they are too big to care about their customers.


Left: March 04, 2005 By: Julio C. Hernandez In: Riverside

Man, Am I glad to hear that I'm not alone in dealing with Countrywide Home Loans. I have been sucked out by this people so many times. Everytime I send a payment they charge me a late charge. They claim that if I don't post my payment 3 days before the due date which is on the 1st of every month, they will charge $60 Bucks late charge. They have been doing this since my Mortgage Loan was sold to them by the previous lender (New Century Home Mortgage).
This month they charged my checking account $1859.69 instead of $1556.46 which is my regular monthly payment. Every time I try to talk to someone there I get recording which takes me around a whole circle and end up hanging up because I can not get thru and talk to live person. YOU ARE RIGHT! COUNTRYWIDE SUCKS!


Left: March 01, 2005 By: In: California

In response to the Whiner e-mail. Who voted?? I worked there for 5 years and was never asked to participate,and have never heard of a survey for this. Countrywide can survey 4 happy people and they say they love it. If they took a survey of just the employees in Simi Valley California they would receive quite a different response. I speak from experience there is absolutely no way that it was legitimately voted the best place to work. Everyone is unhappy and underpaid. However it is a competitive industry and hard to find a job close to your home, Countrywide is everywhere so people stay, no matter how they feel. Also just as a side note we were forced by Management and bribed with 50 stock options to sign their arbitration agreement in January of 2004. Real Nice Company... In other words if Don't Know now you know Sucka


Left: March 01, 2005 By: Allison In: San Diego

I have never had so many problems and had people lie to me so many times from the same company. I cancelled my escrow account in December of 2004. January of 2005 countrywide debited my account for the correct payment.. which no longer included an over $200 escrow pymt. Feb 2005 comes along, and these people debited an escrow pymt on an account that isnt there! Then they like to me 11 seperate times. Everytime I called them they told me they were Fedexing the refund to me. Finally i reached a supervisor, who adv me pymt was mailed, not Fedexed. In the meantime, I accrued several overdraft fees from my bank. I faxed a req to have these reimbursed. The supervisor I spoke to adv me that she would have them reim immediatly and I should receive check w/in a week. Yesterday I rcvd a letter stating that fax request was resolved, however no check! I am still waiting, and am still getting lies everytime i call. Unbelievable.


Left: February 27, 2005 By: In: California

Below is a copy of an email sent to the owner aka whiner of this website on Feb 27, 2005 7:54 PM, CST



Hello,

Countrywide is voted the best of the best places to work. Countrywide is also the number one servicer and lender. Countrywide makes dreams come true to those that work hard and understand what it is to be financially responsible.

No matter how many web sites you put up, no mattter how much you whine, you will get no where. Countrywide continues to be number one and you will not be able to do nothing about it. Individuals like you never prosper!

Loving Countrywide,

Anomyous Like yourself.




Left: February 23, 2005 By: Michael C Montijo In: Fresno

I am in the process of getting my house out of foreclosure and have worked out payment plan, with the Work-out division. I have honest and upfront about my current financial situation, which is not easy for a guy like me to do. I have been sending my payments Western Union Quick Collect process. I sent my Jan. payment which was a little late, and had informed him it would be. On Feb. 17, the representive which was assigned to me called and said the quick collect was not going to be accepted so I could go down to my local Western Union and pick it up and mail the following months payment or quick collect them on one payment. So I went down the next day to my local Western Union , just to find out it had not been sent back yet. I called Countrywide customer service, due to the fact my rep. was gone for the day and not to mention the 3 day weekend. The customer rep. on the phone said it was sent back on Feb. 15, 2005 they should have it. I then called back Western Union and spoke with a supervisor who told me that they are going to tell you that it was sent to us, but I am telling you it has not been sent back, they do this all the time. They proceeded to tell me they are goint to keep telling it has been sent back over and over, and that is all they will keep telling you. I called back Countrywide several more times just to hear the same thing over and over again and then trying to put the blame on Western Union. In speaking with several Wastern Union customer rep. they told the same thing, and by the tone of thier voices are sound very irrited and mad at the fact that Countrywide tries to blame them. On Tues. Feb. 22, 05 I spoke with my rep. from Countrywide and he said it was sent I should get it today, I demanded a confirmation number from him if it was sent then were is the confirmation # he said he would call me back with it and never did, I left several messages for him to call me and even faxed him a memo. Finally at Western Union one of the rep. said there is nothing you can do about it. It takes them 10-15 business days to send us back the money, and they don't disclose that to any of there customers that it is going to take that long. She even disclosed like a couple of people at Western Union did prior to me, that is the way Countrywide set up the account with us. It is not in any way shape or form do we have any control over that. I am very angry on how I have been honest and up front abouth my financial situation, and told my Countrywide rep. how dare you make me go down to pick up my money and have the nerve to keep telling me it's been sent when you know it takes you from 10-15 working days for you to send it back to Western Union. I paid to have it Quick Collected to you, as fast as it was sent to you, It should be sent back that fast to me. Someone's bank account is collecting interest on that money and it is sure not mine. I wonder how many more poeple are they doint this to, making a person who is going throught a difficult time as it is already trying to save there house and adding, fustration, anger, and so on. He said if he heard anything he would call me today and it is already passeda and heard nothing he is just buying time till the 10-15 days. I am outraged and something needs to be done about this, it just is not fair. Like I told him everyday you charge me interest on my home loan, now how much interest are you guys going to pay me for holding my money for all this time???


Left: February 10, 2005 By: Cris In: Cerritos

I had my loan sold to Countrywide Home Loans which has turned out to be a problem. I wanted to set up an escrow impound account to pay the taxes and annual homeowners insurance. After they deducted the money from the extra money sent in, they never established the account. Now that they have my money, they say they can't pay my taxes until they finish anylizing my account. I finely asked them to cancel the request for the impound account because they can't process it in less than 6 months. They say they can't credit my principle, instead have to mail me a check. Its almost two grand so I hope they get around to sending it.Meanwhile, I will have to figure out how to pay my property tax bill from other funds since I am sure it will take weeks fro them to refund my money. signed :A Los Angeles County home owner.


Left: February 10, 2005 By: In: California

To MARIO - In BAY AREA... I will wait for your story after Countrywide is finished F---ing you?


Left: February 10, 2005 By: Ana In: Sylmar

UNHAPPY: I have to say I wasn't surprize to see so many unhappy customers...I have dealt with Countrywide a few months now and I am unhappy with their lack of service. They didn't send me any payment books for two months and even though I contact them over and over about not yet receiving any sort of billing from them, I was told time and again that I was not in their system yet. When I finally received a bill it came with late fee charges. I did call to get those charges off and the response I received from them was "I should have known when my bill was due" ofcourse the charges werenever removed. "YES, I KNEW WHEN MY BILL WAS DUE...YET IF I NEVER RECEIVED A BILL...HOW WAS I GOING TO SEND IN A PAYMENT WITH OUT AN ACCOUNT NUMBER. TO WHOMS ACCOUNT WAS IT GOING TO POST-IT TOO ?!?!?" COUNTRYWIDE SUCKS!!!!


Left: February 08, 2005 By: Mario In: Bay Area

I think some of you might just have some mental issues or don't know how home loans work. When I was shopping for a loan for my current house, Countrywide Home Loans was the only company that could offer anything decent. Everyone else was 5.25%-6.5% with all kinds of fees and ridiculous closing costs. My representative worked with me HOURS and HOURS doing research to find the best loan for me. What did I end up with? A 3-year fixed 4.02% loan, no prepayment penalty, didn't pay for my appraisal, and no fees outside of standard loan processing fees. My total closing costs were $497, which I, of course, got the seller to pay.

Maybe some of you just don't know how to speak up for yourself. If you have good credit, any loan plan will just say "here's a good one" and you're fine. You need to specify what you will and won't pay for, period... if they won't agree, move onto someone else until you find someone...

Countrywide was the first place to AGREE to MY terms and make something happen. They will get my business again in the future.


Left: February 05, 2005 By: Manuel In: a city in California

I am a current employee of Countrywide, for the last 6 months, and much of what has been written here is true. Although it may not be unique to Countrywide. Probably the same for all the big banks/mortgage companies. However, here are the biggest problems with Countrywide. Well, the biggest is they dont pay their employees enough. Pretty much in all levels of the company. This company makes $ 2,000,000,000 a year in profits. For them to pay their loan officers ,operations people and customer service agents what they pay them is a disgrace and a joke. To charge customers for appraisals is abomination. They could afford to provide free appraisals. So, because of this, you have a generally disgruntled workforce, and one with a lot of turnover, which explains both why employees seem not to care and also why they dont know what is going on. Also, Countrywide purchases a lot of loans that they probably shouldn't, but do out of greed. This causes a lot of clerical problems, (payments being lost, rates incorrect, etc). DO NOT EVER SET UP AN ESCROW ACCOUNT WITH THEM!! Also never agree to a prepay penalty. You can get just as good rates, usually, without a pre pay penalty. Pay your own taxes and insurance, other I guarantee you you will be screwed otherwise. If they tell you you must escrow, that is bullshit. They do for the most part make an attempt to comply with federal regulations regarding home loans fees, procedures, disclosures, etc. At least outwardly. However, if you can get away with violating the do not call list, or if you can put someone in a subprime loan when they qualify for a better loan, and can get away with it, it makes more money for the company and managers will turn a blind eye. Also, I have seen and heard some disturbing lack of professionalism in regards to sexism, racism, agism, etc in several branches. To sum up, again, I dont know if Countrywide is unique, but it is too large , too complex and too motivated by money to be a good place to work or probably to entrust with your most precious asset, your home. I couldnt recommend Countrywide as either a place to work or get your home loan from.


Left: February 04, 2005 By: Jolyn (former employee) In: Simi Valley, Ca

I worked for Countrywide for FIVE years, I was terminated 8/04 Because I have tattoos. Can you believe that??? Tattoos, Countrywide is the ABSOLUTE WORST Company to work for the pay is terrible and you work your ass off. I was a Supervisor, I received no pay for overtime and then would get written up for leaving early to make up the time. (I wasn't going to work for free) I worked in the Collections department Believe me they DO NOT care about their their customers (of course this is my opinion from what I experienced while with Countrywide)Upper Management would always tell us remember they are B&C (650 or below credit score Borrowers) you cannot trust them make sure you get a commitment on every call and call them back the day before it's due. They would make us call customers on the first of the month (That's the day the payment is due). The Management is horrible they could care less about their employees (Again my opinion from the way I saw the employees treated). But All in All it was a blessing that they fired me. I have a great job now making 4 times what I made with CHL and they don't care that I have tattoos. Also the best part... I work for a one of their major competitors !!! Anyway thought I would share my Countrywide Sucks Story... Because they do.


Left: February 01, 2005 By: SHANNON In: SAN FRANCISCO

I THINK YOU HAVE TOO MUCH TIME ON YOUR HANDS. DON'T YOU REALIZE ALL OF THIS TALK IS MEANINGLESS? BUT IT SOUNDS AS IF YOU ARE THE KIND OF PERSON WHO NEEDS TO HAVE SOMETHING TO COMPLAIN ABOUT. WHAT A SAD LIFE YOU MUST LEAD.


Left: January 18, 2005 By: Jimmy In: Chino

I think Juan is the uneducated one drinking to much Corona in Corona. CW is too big for its own good. It's not possible that there can be this many similar complaints all over the country.

Just because you have had great service for your home doesn't mean bad service is non-existant. Wake up and smell the coffee pal!


Left: January 15, 2005 By: Juan In: Corona

I am confused by your stories about Countrywide Home Loans. You say that you have been "taken advantage of" and that Countywide's employees were unethical in solving your financial problems. However, CFC continually dominates the mortgage industry, bypassing even giants such as Citigroup and Wells Fargo. I have been completely satisfied with my mortgage from Countrywide, and amazed by their professionalism. This website seems to be hostile towards a company which will change the way people purchase homes in the future. I just assume you all are uneducated and allow companies to "take advantage of" you on a daily basis.


Left: January 13, 2005 By: Ronald W. Fuller In: Stockton, California

As a real estate appraiser in California I have found it almost impossible to receive payment for services rendered in "good faith". They will always "put the check in the mail today" "put it in the mail last week, but will reissue a check" or anything to try to make themselves look on the "up and up", but the check is NEVER received because it was NEVER sent.

Part of the problem is their loan agents are not licensed by the Department of Realestate (DRE), as most other lenders are, because they are covered by the Department of Corporations. This allows the UNLICENSED loan agents to perform acts that would normally be grounds for having their license pulled by the state and subsequent punishment, without worry of reprocussion or backlash. They are in escense no different than auto salesmen with the "buyer beware" attitude.

Another problem with them is the appraisal fee is usually collected from the borrower at the time the loan transaction starts but they never pay the appraiser, thus leaving the homeowner liable for collection and/or court proceedings.Borrower should beware because they may have to pay the appraisal fee twice and may be liable for court costs.
"Truth in Lending" is not one of their strong attributes or practices.


Left: December 30, 2004 By: unknown In: LA

I worked for CHL, now also known as CFS for nearly 3 years. I started in 11/2001 and was terminated of my position effective 09/2004. Why was I terminated? This is unbelieavable but VERY VERY TRUE. I worked in the foreclosure department, one of the worst places a customer can end up in. The guideline for servicing the loans when you get a call is, to spend no more than 5 minutes on the phone with customers. DOESNT matter what their situation is. Consumers, you wonder why your accounts are screwed up? BECAUSE the management can careless of what happens to the customer. If a representative spends more than 5 minutes on a call, ofcourse all calls are monitored and if we go over 5 minutes, we FAIL to comply and they'd fail us on quality servicing and we'd be reported to our imm ediate supervisors. If this continues, eventually we'd get a verbal write up and eventually get terminated. THIS IS A GOD HONEST TRUTH. Why did i get terminated? Two reasons: 1. Customer calls in, his escrow account has been screwed up ever since his loan transferred to CHL approximately 1 year ago. The customer practically begged me to help him out because his loan was in foreclosure due to this nature. I took nearly 45 minutes on the call, contacted the previous lender, stayed with the homeowner on the phone as a conference call. I identified the problem and immediately fixed it and allowed the homeowner to keep his property. The response from the homeowner? "...Thank You very much, you are the first representative to ever help me within this 1 year..". The response from management? "...you can not stay with the homeowner on the phone that long, you need to service other loans and things cool down, review the loan with a supervisor and call the homeowner back". 2nd reason why i got fired? due to my nationality, and because a complaint came from a homeowner that i was rude, however this was very untrue, as i specifically asked the management to review the recording with me. They promised to do so during our debate, but kept on making excuses and failed to review it with me. I took it to an attorney to file a lawsuit, I failed to do so, because my attorney advised that its just my word against theirs. My advise to you consumer, STAY AWAY FROM COUNTRYWIDE!!!


Left: December 20, 2004 By: Mary In: Long Beach

i am in the process of getting out of a home equity line of credit and they will not return my phone calls I have made to them. Countrywide has not been honest with me. When I got the application papers, I did not realize they had put a arbitration clause in the papers that I am supposed to sign. Also the lock-in rate was misrepresented to me. I also think they will charge me for appraisal fees, lock-in fees and other fees if I don't agree to the terms of this application. I don't know where to turn to except that I have been ripped off and can't do anything about it.


Left: December 12, 2004 By: C. Vincent In: Huntington Beach

I paid the loan in full, but for some time, my credit report still showed I owe Countrywide some money. I had to contact them to correct the information. They sent me a letter stating that the loan had been paid. One might think it's a small trouble, but imagine those things I couldn't be approved of buying because my credit report showed I owed a lot of money. Besides, who needs that extra work to contact them? They should do what they're supposed to do.




Left: December 09, 2004 By: R. Nugey In: San Diego

We did an appraisal for James Tyhurst in the Tustin office of Countrywide, the loan closed and was completed without any problems. We were to be paid through escrow, and that never happend. We did an order a month later for James Tyhurst in the Tustin, CA office and he said the check was in the mail, although we had still not received payment on the other. The appraiser did the inspection, with the thought the check had been mailed. A week later James said if the appraiser wanted to be paid he would bill escrow again. The appraiser refused to bill escrow, and now James Tyhurst and Sandie Jacobson @ the Tustin Branch will not pay the previous orders invoice, for the one we had completed no problem. There is no good faith with this branch, we will more than likely never be paid. Never deal with this Loan Officer! Save yourself some time.




Left: November 26, 2004 By: Jon In: Sacramento

Well, here's my story. My loan was sold to cw on the 30th of september from first franklin loan services. On that same day, I had made a phone in payment to ffls. The payment did not come out of my checking until october 4th. I did not know any of this until I had gotten a statement in the mail at the end of october from cw saying I was behind a payment and of course it had the late fee on it also. First, I had called cw to see what was going on. At first the rep couldn't tell me exactly which payment they were missing, only that I wasn't current. I had informed him that I was current as far as my payments getting taken out of my checking account.(afterall, I really could care less what they did with the payment, all I care about is the money isnt't in my checking account, so someone processed it and cashed it. either ffls or cw right?). The call ended with the rep saying that he needed proof ffls had transfered that payment to them(understandable). Not understandable that I have to deal with this because of a mistake that I had no part in but ok, I'll do it because I care about my fico enough to not have a late payment on there. So I call ffls and may I say from start to finish that they acted in a very professional manner and were able to give me the proof that the phone in payment had been sent to cw via a separate wire transfer. now this payment was sent over along with many other peoples payments as well on the same wire for an amount over 110,000. Ffls gave me the wire #, spreadsheet amount, and the line # on the spreadsheet that my payment was located on. Ok, one would think that with all this information cw could fix the mistake easily right? Well I call cw to tell them the info, and the rep says he has no way to look that up. So I ask for a manager and get the same response from him. I find this a little hard to believe that a huge loan corporation has no procedure in place to find a lost payment or to be more specific, they don't keep records of wire transfers they get from other loan companies and have no way to have an employee pull up the original sheet. So I call the people at ffls and see if I can get some help. The service rep put me on hold and actually called cw and put us all on a network call. Great, I thought I would finally resolve this. The rep from ffls tells cw the same thing I told cw and there was silence. The cw rep eventually says that I just need a copy of the processed check and all will be ok. Well, I told him that I didn't think I could get a copy of the check because it was a phone in payment. At that moment the ffls rep went to try and find out more info. I don't know but somehow we got disconnected with the cw rep at that point. I had to go to work so I had no time to deal with it. Well on my next day off I call cw again to continue the jumping of the hoops I love so much. This service rep tells me that maybe the payment hasn't been proccesed yet and I have 60 days before anything goes on my fico because my loan was sold. He took down my info and spreadsheet info and attached a request for investigation on my file. I was satisfied with that because when the 60 days is up and before anyone from cw calls me maybe they'll research that. I'm assuming home loan companies call you when you've missed a payment(I have never missed one so I would not know). I still feel that I should call them and record the phone call for my records, to tell them all the info they need and see if there is anything more I can give them to help. Because I am done\tired of dealing with this. I'm actually a very nice person, but being on hold numerous times only to be given the runaround has somewhat changed my view of the situation. I want to record the call in case this issue is not resolved and I have to persue legal action. I know alot of people on this site have been screwed over by countrywide or other loan companies for that matter. But, if anyone has any advice for me I would greatly appreciate it. Thanks

ps-Also, the first franklin rep had told me that they were having issues with the loans they recently sold to countrywide and I wasn't the only person. So, if anyone else reads this who is having the same problem, please feel free to contact me. I'm curious to see how many people this affects. thanks for your time. My email is stangspnkr@comcast.net

11/26/04



Left: November 23, 2004 By: unknown In: Ca

For most of you "customers" that were supposedly ripped off, I refer you back to YOUR documents. These are the papers that YOU signed that YOU aggreed to at the time of closing. Any company will tell you that you needed to read them before you signed, regardless of the amount of papers there were. This is plain and simple. If CHL was as bad as your stating, answer me why they service for so many companies and why the number of loans has increased?


Left: November 23, 2004 By: E.S. In: Los Angeles

Countrywide is the worst company anyone should work for or consider as their home loan provider. I worked there for 1 year and dealt with many upset borrower's. The so called Manager's never helped out when they should. There answer was "I'm too busy, put them through my voicemail". You think they returned the phone call. Not once. A borrower was waiting for her refinance to go through for 6 months, all the managers kept saying was "we're waiting for title" this borrower started with a 760 FICO score 4.5% fixed rate for 10 years. By the time the loan was supposedly ready for closing, the FICO was at 620 2 mortgage lates because the managers would say "this month it's going to fund so you don't have to make your payment" then they would call back and say make your payment. This person was ruined because of the Stupid Managers being so helpless. They are greedy snakes. NEVER paid us for overtime, made us work on Saturdays from 9 to 2. It was just a pathetic place to work for. The Managers are worthless. Every month they are given spending money for the employees. Do you think they spent a penny on us for our hard work to fill their pockets, NO WAY!! I hate tha place, I hate the managers, team leaders and their evil ways of being. Everything they did to borrowers, employees will come back to them one day, when they end up without a job and scroungin for money to survive or working 12 hours a day with no overtime. That's why they are getting sued!
Now since I saw how they were towards their borrower's, they don't care about them or their families. They will make your situation worse and make you stick with it. They will change everything up at the end, because they can and then your stuck either with a pre-payment penalty or high mortgage note that you can't even afford anymore. They have the highest turn around for employees who quit because they cannot stand their bosses or their dumb laws and rules. Several people I know have had strokes because of the amount of stress they pile on. Instead of having fire extinguisher's around the building you see Defibrillator's. HOW SCARY IS THAT!!!
Their customer service sucks, they never return your phone calls, they give you the run around, the pay sucks, the managers ... Oh MY goodness, there aren't words ugly enough to explain how they are. I went to HR to let them know how they were and what they were doing. Do you think they even did something about it, no way. What HR did do was tell the bosses that they were being snitched on and made your life miserable there until you left.
I'm so angry and disgusted at that place that I would tell everyone not to work for them, not to do any business with them. Yes they are big but an employee there last about 4-6 months now.


Left: November 18, 2004 By: Michael In: Simi Valley

I worked for countrywide for 3 years, where I say things that would make your skin crawl. I was a senior auditor in customer service and my main job function was too audit quality of loan servicing and streamline department procedures. Countrywide is a company that does not care about the home owner at all. They do not follow the laws that govern their company. Countrywide if they do not know where a check needs to go just puts them a a cabinet and hopes that they go away. This is where I found millions of dollars of payments and insurance checks....it gets better. They dont worry about RESPA guidelines. They currently have a backlog of 30 days of correspondence that has not been acknoledged. This is a clear violation of RESPA. So just right a letter and see if they respond and if they dont, you have a right to sue.

If you dont get a answer that you dont like just address a letter to the CEO. These letters go to the Office Of The President where they will be addressed to your satisfaction. This costs the company over $200 to address a OOP letter verses $5 for a phone call. This will hurt them in their pockets. They seem to always give you what they want of you say that you are going to report them to the BBB or regulitory agencies. This is the secret in getting things done at Countrywide.

I have even heard of Countrywide destroying evidence in pending laysuits, so they would not stop at anything to make money or to not loose anything


Left: November 15, 2004 By: Steve In: C. H.

They Flat out Suck!!! Teribble Terrible company!! I would never ever recommend them, and how about the thousand phone calls asking for the payment, even if you've never been late! or missed a payment... I will most deffinently switch once the prepayment penalty time has expired, I will never ever recommend this lender to anyone my family already has been forwarned and friends all know of my story and the word is being pased around, CW will feel it on there bottom line when there is a mass exit from them when the high limit loans all up and leave them....for better service...


Left: November 08, 2004 By: Neal In: Livermore

I just bought a home with a small loan company which sold my loan to Countrywide before I could make the first payment. My first payment was to be 1129.00 but when I got the statement from Countrywide the payment was now 1662.00 and the due date was changed from the 15th to the 25th. Calling them did no good they said it was the change of due date that added interest on my first payment and that the next payment would be normal. I had to come up with the extra money so I could make this payment. I accepted that because I felt I could not argue with them. Well the next statement comes in but now the due date is put back to the 15 and now I dont have the money to make that payment. I was never notified that any changes were made. When I called the first time about the 25th due date they said they could not change it but then they change it later to the 15th and say again that they can not change it. I called them and they said they cant change my due date because of my contract but they were able to due it when they changed it to the 25th. When you call them all they give is a run around. I am refinancing and getting the hell away from this company before they do more unwanted changes.


Left: November 05, 2004 By: Gerald In: Colorado

I am sorry to hear some people out there find it necessary to talk so poorly about a company due mainly to there own misfortune, such as missing a payment or four.. I dont believe any of the top mortgage lenders would give you the least bit of sympathy. Your loan payments are not kept by the mortgage lender, they simply service the loan for you. I am sure you would be less than appreciative if someone owed you hundreds of thousands of dollars. As for the disgruntled ex employees, I am guessing you have never worked anywhere else prior to going to CHL. I personally have worked for some pretty bad companies myself, working for a direct lender is a priveledge in comparison, do your job and provide the customer service you would expect for yourself, it is your business, do it well, you have the means. The moral of the story is, when you are at the closing table, read what you are signing, make sure your fees are correct, and most importantly, make your damn payments. If you rented a house, you would be out on your ass, where is that web-site


Left: October 29, 2004 By: In: California

i would love to talk to the former cw manager
i worked for cw for about 6 months as a lo got no suport from the branch mamager or her back office
i stuck my neck out had to learn the advantage software on my own and was asked to teach the other lo's as i worked on me pipe line.
now i am being asked to come back to a better office. not sure why i should subject meself to this agian.


Left: October 22, 2004 By: Fooled TWICE In: Southern California

To all people thinking of getting aloan with countrywide, think about twice, because it wil be lots of headaches throught the procces and throught the entiere life of the loan, they will charge you late fees if paying close to the duedate, they will raise your payments even when having fixed loan, and then they tell you that the escrow account have been raised so you have to pay more, and in reality I contacted my insurance carrier and they never increased the premiums, yet countrywide said they paid more, then I tried to cancel my escrow account and they din't allow me to do it, so I tried to refinance with them and they always gave me a high quote so I would be discouraged from refinancing, and even that I told them it would be a new loan with lower interest rates starting with 3o years again and the monthly payments would jump higher thanthe old, so I made a mistake of going with a broker, got a lower rate on the interest, and the surprise came when I got the closing papers that the lender was countrywide again, yet my monthly payment was lower, so I decided to stick with them for a while, but problems started again with late fees and high fees and PMI which I din't need because ny property was well above the market value on the apraisal and i had about 20% equity, but yet they had me a PMI I tried to correct the problem sending my own apraisal report but after a couple of months went by with no solution I decided to get a new lender, this time even that I was going to spend on refinancing again i went with a broker and told him that I din't want CWHL, so far I'm happy with CHASE, but I'm looking for refinancing to add a couple of beddroms on my home. I just hope no one gets ripped off with CWHL again.




Left: October 21, 2004 By: anonymous In: Southern California

I am a current Countrywide Loan Consultant in Southern California. Countrywide's Corporate office has not acted on numerous complaints about unprofessional behavior by my branch manager. The Branch Manager is having an inappropriate relationship with one of the Female Loan Consultants. This is against company policy because of the favoritism. He has helped her make a lot of money, while not supporting the other harder working employees. He has shown so much favoritism for her that other Loan Consultants in the office have asked to be moved to other Countrywide offices. Actually almost the whole crew from the time I started has transfered to other Countrywide offices. There has been complaints made to the corporate office about him yelling at employees and being very unprofessional. The Corporate office just looks the other way when they receive complaints about him, because he makes the company a lot of money.


Left: October 19, 2004 By: TANYA In: NY & CA

YES, THERE ARE HONEST LENDERS WHO DO NOT CHARGE POINTS AND HAVE NO PREPAYMENT PENALTIES. I REFINANCED MY MORTGAGE WITH THE UKRAINIAN FCU WHICH HAS BRANCHES IN CITRUS HEIGHTS, CA, ROCHESTER, NY, ALBANY, NY & SYRACUSE, NY AND IS EXPANDING IN OTHER AREAS BECAUSE IT IS SO GOOD. I HAVE NEVER HAD ANY PROBLEMS WITH THE CREDIT UNION. I CLOSED IN 3 WEEKS ON A PURCHASE WITH A FIXED 30 YEAR LOAN OF 5.25% WITH NO POINTS (4.5% WITH POINTS)AND IN 1 WEEK I HAVE OBTAINED A HOME EQUITY LINE OF CREDIT WITH A PRIME MINUS 0.25% FOR LIFE, WITH NO CLOSING FEES AND NO PREPAYMENT PENALTY. DOES IT GET ANY BETTER??????? I DO NOT THINK SO. GO TO YOUR LOCAL CREDIT UNION!!!!!!!!!!


Left: October 19, 2004 By: TANYA In: NY & CALIFORNIA UNITED

I HAVE REQUESTED A PAYOFF STATEMENT FROM COUNTRYWIDE FOR THE LAST 1.5 MONTHS. I HAVE PROVIDED THEM WITH 3 DIFFERENT FAX NUMBERS 14 TIMES, & STILL NO RESULTS. THEY CLAIM IT IS MY FAX #'S FAULT. SO I GAVE THEM MY ADDRESS AND 1 MONTH LATER STILL NO RESULTS. CURRENTLY MY HOME EQUITY LINE OF CREDIT RATE IS 8.5%, WHICH IS NOT FIXED. ALSO THERE IS A HUGE PRE-PAYMENT PENALTY, WHICH I WAS NOT INFORMED OF WHEN TAKING OUT THE LOAN. COUNTRYWIDE DOES SUCKS BIG TIME, AND THEY DO NOT EVEN KNOW HOW TO USE THE FAX MACHINE, IT IS TH 21ST CENTURY PEOPLE, WHAT KIND OF DUMB ASSES YOU HAVE WORING THERE???? AND YOU WANT ME TO TRUST YOU WITH MY HOUSE??? I WILL PAY THAT HUGE PREPAYMENT PENALTY JUST TO GET RID OF YOU COUNTRY WIDE SCAM AND WILL GET A LOAN FROM MY CREDIT UNION, WHO HAS NEVER DITCHED ME. TRUST YOUR LOCAL CREDIT UNION, YOU WILL SEE THE DIFFERENCE IN YOUR MONTHLY PAYMENT, WHICH WILL MAKE YOUR WALLET A LOT THICKER. CREDIT UNIONS ROCK!!!!!!!!!!!!!!


Left: October 14, 2004 By: anonymous In: Bay Area CA

Employee:
I just finished reading the former employees stories and I can see I'm not alone in this. I've been working 11 hour days and usually the manager wants us to work through our lunch or take very short lunches. The company cares about making the numbers and not much else. Yes they are there to make money, but giving good customer service and caring about their employees isn't really a concern.
I feel the company is taking advantage of me because I am working long hours to close too many loans a month while the co. won't hire more people. I received a lame excuse as to why they won't hire... yet I am told to underwrite and fund 80 loans in a month! It's too much. I've been having thoughts of finding new employment.
I want to work to live not live to work. Right now, I feel so mentally drained from being preasured to get as many loans completed as I possibly can plus, ship out the loans, plus draw docs and fund... that I am not enjoying my nights and weekends if I have a full weekend off.
If anyone knows of a better place to work in the bay area.. please let me know. emailguard1-pod@yahoo.com
There is more to a company than making the "numbers". Do the CEO's know this and do they even care??


Left: October 13, 2004 By: Wynn Olson In: Santa Maria

I refinanced my home through Quicken Loans because I wasn't comfortable with my experiences with Countrywide. Quicken loans asked me what my payoff was at the time of initial loan request. By the time I was to close, Quicken was still trying to refinance my loan amount of what the original payoff was! It had been paid down nearly $2000 by time of closing. This took several phone calls to resolve the new lower loan amount. Also this loan was to be a zero cost loan & I was to recieve a check back for over $400 as the agreement stated. After numerous phone calls,letters and facsimilies to Quicken I have yet to see my money. Guess who's servicing my new loan from Quicken? That's right Countrywide!!! Does anyone know of an honest Mortgage company? Where has the Honesty, Integrity and just a general code of good business ethics gone in this country?

List ALL Entries