Countrywide Financial North Carolina Home Loans Sucks

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

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

Need A Home Loan NC, 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 North Carolina (NC) have been saying...

North Carolina Home Loans Sponsored By US Home Loan
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Date: Thu 02/22/07 2:07PM
From: B Murphy

Message: Yes I agree Countrywide do suck. In October My husband and I sent Countrywide two checks to pay our mortgage. One of the checks bounced. I don't denie that! When I called back in October the 14, 06 the custmer service rep. said nothing had bounced. We continued to send in monthly payments. On February the 20. 06 I noticed a statement that said I had a partical payment of $332.16, so I called to inquire and Countrywide said that I was behind a payment and I needed to pay 841.00 to bring my account up to dated. I asked to them to explain how it was that I was behind. They a check bounced that they do not take partical payments and had put one of the checks into an escrow account. They used part of the money to pay late fees, insurance , PMI insurance fees. But would not apply it to the payment. I asked if they could take the $330.16 and apply it to the mortgage payment? they said that they could not until $841.00 was paid. I felt so hurt by this because I tried to correct this back in October when I would have only owned $581.00. Now I must come up this $841.00 instead of $581.00. My mortagae was sold to Countrywide by another company and now that I know how they do business I will warn others not use them.
Date: Tue 01/30/07 7:09PM
From: Jerin

Message: Good site! http://z.la/uyl8n <a href='http://z.la/uyl8n'>office furniture guide</a>
Date: Sat 01/27/07 9:52PM
From: CWSUCKS

Message: Countrywides sucks!!! I hate those dumba** motherf***ers (to put it the nicest way that I possibly could) who don't know what the hell they're doing whatsoever.
Date: Mon 01/22/07 10:13AM
From: Tom

Message: Below is text from a letter I just submitted to Countrywide

I would just like for you to understand the impact of the poor customer service I have just received over the past two or three months in regards to refinancing my previous home loan with your company.

We have been customers for four years, beginning in 2002, when we bought our first home. Over the last year, we have had some financial situations that have put us behind in paying mortgages, but never over 30 days.

We had acc**ulated approximately 30K in equity over these last 4 years and were interested in cashing some in, and refinancing. When I contacted Countrywide back on approximately October 23rd, after receiving repeated mail, email, and telephone solicitations to explore refinancing through your company, the "fun" began. Apparently your company thought that I had nothing better to do than sit by the phone and wait on calls that were never returned. After giving all of my information to someone (including running my credit report), I was sent to the Full Spectrum division. No problem, I thought. I was then put in contact with a Mike Griffin who proceeded to tell me that none of the information I had pa**ed on could be accessed and he'd try to call me the next day. No call. I called Mr Griffin, at which time he stated we'd have to start all over again. So we did. After wasting another hour of my time re-applying, Mr Griffin said he'd look at options and call me the next day. No call. As a matter of fact, after waiting five days or so, I contacted them, and he said he was "still working on it" and "had not forgotten about me". At that time, I asked him how busy he was that he could basically neglect someone trying to put money in his pocket. He just laughed and then complained about how busy he was. OK, I'm still not that annoyed, but getting there quickly. He stated he'd call me back by the end of the day. No call. Finally, I receive a call from Mike without having to call him first! Amazing.
At that point, he stated due to debt to income, we might have to explore a different option. At this point I am now impatient, but decided to hold off. I was not sure I wanted to give business to someone who obviously didn't value it.

Finally I contacted Mike a couple of days later (after he failed to return a call the previous day). He again joked about being so covered up. (I a**ume he is now a Vice President or something due to his ability to attract so much business he couldn't handle it all) He gave me a couple of options, then stated he'd get specific numbers together and call me by the close of business the next day. No call. I allowed him an extra three days to call. Then I called, left a message for him, and also left a message with his supervisor to have him call immediately. I cannot believe it, but neither person called me back. There is definitely something wrong with THAT! After another three or four days (mind you , I fit all this in when I can, because I actually have a job, and don't have the time to sit around waiting on the phone to ring), I initiated the process with another company, at the same time calling Mike and letting him know I would give him another chance, but he needed to call me ASAP, even if what he needed to tell me was that he didn't want to do business with me. Of course, no call.

So to make a long story short, because you folks attempt to drum up refinancing business with direct mail, email and even some phone calls from local Countrywide folks, but then fail to deliver when you should, my business went elsewhere. In the amount of time it took just to get a straight answer on options, I not only applied, but had my new loan closed, with NO ha**le whatsoever.

The amount of interest your company (who claims they can do what "no other mortgage company can") has lost is certainly a lot.

The potential future business you will lose if I have it my way will be even worse.

Date: Sat 12/23/06 1:09PM
From: Shane Murdock

Message: Countrywide home loans not only sucks,they are crooked.In 1986 we bought a home in pennsylvania,several months later we found out that the houses in the area were overly appraised and sold for much more than they were worth.We tried to sell the house several years later and was unable to sell at the listed price.Several months later with the approval of countrywide home loans we sold it as a short sale.We thought finally selling the home that our ordeal was over,but we found out that country home loans reported to the credit reporting agencies that we foreclosed on the house.countrywide home loans was contacted by us and asked why a foreclosure was reported when the house was sold and their answer to us was that is how they do it at countrywide home loans.COUNTRYWIDE HOME LOANS IS CROOKED, DO NOT HAVE ANYTHING TO DO WITH THEM IN ANYWAY SHAPE OR FORM.
THEY SUCK.
Date: Sun 12/10/06 11:58PM
From: Dan

Message: I went behind a few months when i was deployed to iraq and my wife (now exwife) left me and stop paying the bills and come back explain the story catch up completely. Next month they add in bullshit charges for home inspections that weren't there! Yea NICE
Date
Left: August 17, 2006 By: In:

Pffices being raided, audited, and shut down.


Left: August 13, 2006 By: In:

The inepitude of management in Atlanta's Region 18 is at its peak.


Left: August 13, 2006 By: In:






Left: August 13, 2006 By: Idiots In: Atlanta

Yep!, Tweedlee Dumb na d Tweedlee Dumber are back at it , again. Do everyone in Region 18, and just resign. It would be the only RIGHT thing you two, D & J, have ever done for Region 18. You two are MORONS who really do not need to be in the mortgage business at all, especially management. You two wreck lives


Left: August 12, 2006 By: D & J LIARS In: Atlanta

D & J are IDIOTS who need to leave Atlanta, and I do not mean jsut CHL, I mean Atlanta. Your names are MUD in the Atlanta mortgage arena. Rightly so, because of your dishonesty and retarded management skills....you earned it all on your own. The only thing these two LOSERS have accomplished. Get outta town, punks!


Left: July 19, 2006 By: Jeffrey Skilling In: E-RON

Too bad John Steele goes down on Doug Casbon. I thought they were cool dudes. OOOppps wrong kinda Kool.... Faggos


Left: July 19, 2006 By: In:

very true, bridgegirl has been cool and told so many thruths about this scumabg company.


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.



Left: June 13, 2006 By: In:

CHL = Enron


Left: June 11, 2006 By: In:






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

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 08, 2006 By: In:

doug casbo, john steel, and charlie roger are like little snot bugers that you can't flick off your finger.


Left: May 31, 2006 By: In:

char rog is a a PUSSY


Left: May 30, 2006 By: In:

phuck kuntrywide


Left: May 15, 2006 By: In:






Left: May 12, 2006 By: In:

i bet you still make them look good at the closing table, don'tcha? f....CHLoans They suck to work for, they suck to get a loan from, and they suck on rate. they USED to be the BEST mortgage company in america until the PIGS that took over from angelo (brian hale, dave sanbol, gene sota) can you say ENRON. they are cleaning up on stock options onthe backs of hard working, honest employees ( who are leaving in droves, and being replaced by low paid, low skilled idiots with attitudes) and the american consumer.

run, run, run, run, run


Left: May 08, 2006 By: Mike In: Fayetteville

I just want to provide what I consider to be impartial information about Countrywide. When I decided to buy a house, I went through Countrywide for no other reason than that my law firm does a substantial amount of business with them. In closing on my home, I had absolutely NO problems with Countrywide, and I've had NO problems since then. BUT, I must admit that since closing on my house, I've found numerous lenders with lower mortgage rates. I am convinced that if I had shopped around, I could have obtained a rate a full percentage point lower than I got with Countrywide. But it is entirely MY fault that I went with Countrywide without bothering to speak to other mortgage companies. So, it has been my experience that Countrywide provides VERY professional services, but you pay for it through higher mortgage rates. I particularly like their website due to the ease by which I can make my monthly payment. But one thing I do NOT like about Countrywide are the constant letters I get from them with the following wording printed on the outside of the envelope "IMPORTANT INFORMATION ABOUT YOUR LOAN ENCLOSED". So I feel like I've got to open it and read it each time -- only to find out it is nothing more than a frigging ad suggesting I can save a huge amount of money by refinancing my loan with one of their ARMs (I have a fixed rate loan). One last observation: I'm pretty sure that many of the complaints detailed on this website ARE LEGITIMATE COMPLAINTS, but the problems being described by so many dissatisfied customers are really due to bad individuals. I feel that Countrywide as a whole is a good company, but like so many other good companies, Countrywide has a few crooks working for them. What seems to be clear, though, is that Countrywide is not doing a good job of identifying & firing the crooks. Is it because Countrywide turns a blind eye since these crooks make a lot of money for Countrywide? I certainly don't know. But I encourage all of you who have a complaint to elevate your complaints to Countrywide's home office (I think in Southern Calif), & you should also register a complaint with the Better Business Bureau.


Left: April 30, 2006 By: In:

joe anderson? why?


Left: April 24, 2006 By: m In: greensboro, nc

Google this "fraudulent home lending"
never guess what company shows up.......yes!!!! CHL Countrywide Home Loans.....there homepage.......

I have pretty much the same story, notices, phone calls, served foreclosure papers, although it was
being worked out. My credit is shot, they won't more money for padded fees, I am borrowing against my 401k to keep my home......I'm screwed!!!!


Left: April 12, 2006 By: Curious In:

CHL - how are those pre-fab home sales going in N.C. ?


Left: April 11, 2006 By: In:

pay option arm...what a winner!!!


Left: April 11, 2006 By: In:

Stupid is as stupid does.


Left: April 11, 2006 By: g In: winston

To that moron Morgan in NC, you should have read your note when you closed with your original lender. Countrywide didn't choose to "up your rate", rather your original lender put you into this particular program. Countrywide only services your loan now. They do not control your interest rate; that was put in place by the originating company. next time when you go to a closing read all of your information carefully so you don't get burned in the future. don't blame countrywide, blame yourself for not knowing that your loan would probably be sold


Left: April 11, 2006 By: In:

Enron ? S&L crisis ? CHL ?


Left: April 09, 2006 By: In:

angelo mozillo hates brokers, he even says as much at sales rallys. It sure is funny that 50%+ of his business comes from wholesale/correspondent lending. On the retail side he jacks the rates up so high that it is hard for an originator to survive. we have to support all the do nothing managers in the pyrimid. they are putiing the squeeze. enron?


Left: March 27, 2006 By: pc In: charlotte

I am a mortgage broker and use to do buisness with CW. It didn't take long for me as a professional in this field to see the fraud they commit.I stopped using these guys over 5 years ago and i promise if you use Cw you will either now or later feel their pain.Take these word's as a strong warning this company will get you no matter how careful you think you are. They will put you through so many hoops and twist everything you say around. They treat you like you are a dumb consumer and they are untouchable.I had fraud commited against me by a guy who is in now jail.The countrywide rep new this guy and told me he was a good guy.(get my point yet) Well i helped the FBi get this guy and thought Cw would assist as well.Man i was wrong they turned me over to an agency that tells other lender's about broker's who commit fraud.I HELPED get this guy but did they listen to me Hell no they just turned their back and looked the other way.The appraisal was inflated by $65,000 in which the criminal already had the appraisal done when they sent me the loan.But here's the funny part CW has it's own review appraiser who's job is to protect both them and me from fraud.Guess what he agreed with the value but when i brought this to their attention i was told they cannot discuss this matter anymore.LISTEN people run for your life their are many great lender's who still offer great rates and who will help you if your in trouble(to a degree) RUN i say run..........Countrywide is nothing but legal crooks


Left: March 20, 2006 By: In:

you had good originator. to work for the company is a painful experiance that no one should have through.


Left: March 19, 2006 By: E.Brown In: Cherry Point

In May 2003, I bought my dream home in NC. I had been looking for 4 years when I came across this home. It fit every need and desire that I had hoped for in a home. My financial situation is different from some folks in that the only income I have is spousal support. Without a pay stub, I feared that I was going to lose the home that I had found that fit me. I was directed to Countrywide by my realtor and was able to do what is called a stated income statement. In 10 minutes, I was told that I was approved for the loan! My home is financed at 5.5% fixed for 30 years with Countrywide. I had no surprises at closing and so far everything has been exactly as described. I have found Countrywide to be polite and completely honest. I know of no other bank or home mortgage company that would have taken a chance on me when I was unable to prove my income and they accepted my stated income form. If they had not taken a chance on me, I would have missed owning my home to another buyer. There was another bid for this property besides mine. I want to say how much I appreciate Countrywide for being there for me when I needed them.


Left: March 15, 2006 By: Morgan In: Durham

Country Wide is a total rip off. I refinanced my home with another company and they sold to Country Wide. They keep uping my interest rate and when I took the insurance out of escrow my payment stayed the same because they raised my interest rate. I am in the process of trying to refinance my home with another company or sell it just to get from under them. They are totally a rip off company. I would not recommend them to anyone.


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 24, 2006 By: In:

phone the "office of the president" complaint hotline. you WILL get action! they should at least hear your complaint.


Left: February 23, 2006 By: Ted K In: Asheville

So here I am with over 20% to put down on a home I found, excellent credit, myself and seller have No contingencies and are ready to close yesturday. I told Countrywide a month ago we needed to close ASAP. They hadn't even started the application weeks into the loan. They don't answer calls from myself or realtor and I have proof of this on my cell phone; a message from a Countrywide rep who admits there was little or NO contact. So I get another Countrywide rep and it's the same story; No return calls. The final straw was a problem with a data plate on manufactured home. I was told they couldn't do the loan without one. That is correct, but the fact was with one phone call we had a new data plate Fed-Ex'd overnight by manufacturer. I have the e-mail; there is nothing to indicate they wanted to work this out with me, or tell me to have manufacturer send new one...just dismissed me like I had the plague. The kicker is it was such a clean deal -- over 20% down, excellent credit, no contingencies. I called the main branch and they could care less. I've gone through two satellite offices with little or no responses. To quote this Web site and my own thoughts; "Countrywide home loan sucks!"




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: 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: December 02, 2005 By: In:

to the big buc's fan....what are you talking about ? who the hell is michael harmon ? are the "jones" your friends?


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

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


Left: November 19, 2005 By: In:

the self proclaimed "top producer" at countrywide is little man in in a big ocean. the numbers that the circle of excellence winners put up are a disgrace. pull your head out of the sand and you will see people who truly produce. i can become a "TOP PRODUCER" at chl just sitting on the toilet.


Left: November 15, 2005 By: In:

You know the ironic thing about that is they do recruit from the circus!


Left: November 10, 2005 By: D In: Charlotte

on an added note... "Top Producer".. I asked my friends and neighbors... they switched from Countrywide, thanks.


Left: November 10, 2005 By: D In: Charlotte

Can anyone please tell me how a company can screw up SOO much?! 1st I get told I'll have to pay QUADRUPLE my normal payment because of taxes.. when I JUST bought my townhouse and it's too new ot be taxed! I find out they had the wrong number on my account.. mmhm, brilliant. THEN they tried to make me pay based on the property tax of the ENTIRE UNIT, not just my little portion. I mean REALLY, a circus monkey could do better...and don't get me started on the runaround they call customer service..


Left: November 04, 2005 By: In:

Hey "Top Producer"_

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

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



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

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

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

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



Left: September 20, 2005 By: An observer In: Atlanta, GA

I don't know about all the name calling, etc. but one thing is certain. Something bad has happened to Countrywide in Atlanta and there won't be an end until it's destroyed. Someone hired people to run this part of the company that either have no interest in the company or just simply aren't qualified to run a company. There is no profit being made and everyone is unhappy -- customers and employees. Seems like a recipe for disaster. Sit back and watch it fall. Maybe a year, maybe not that long. They'll be gone, someone new will be along or they can close down Atlanta altogether. I don't think Atlanta would be missed by the rest of Countrywide.



Left: September 20, 2005 By: In:

OK. Here is another good one.

Cow Tongue

1. Put the tongue into a water/ and let it simmer till done/ clean it out/ and pull the skin off/ peel apple and onion thereto/ and chop them small. Take clear (lauter = clear) butter in a kettle/ and make it warm/ and put the apple and onion therein/ sweat them rather/ and take a little flour/ crushed pepper/ rubbed saffron/ small and large raisins thereto. Take beef broth and vinegar/ so it becomes nice and tart/ Cut the Tongue apart/ lay it on a rack/ and brown it on both sides/ Put that into the mixture/ and let it simmer therewith/ so it becomes good and Well tasting.

-- First Part - Preparing Tongues

1 eight lb cow tongue
water to cover
Optional Aromatics:
1 large onion
1 tsp peppercorns
1 tsp salt
2 bay leaves
Rinse tongue and cut off any obvious bits of fat and gristle.
Place in pot with water to cover, add optional aromatics, as desired. Simmer 3-4 hours, until a sharp knife can be inserted easily.
Pull off the tough skin while tongue is still very hot (it will peel off easily now, not at all if you let it cool). If tongue should get too cool, put it back into simmering broth for a few minutes.
Let peeled tongue cool.
I didn't use the aromatics - i think it might have been better with them...

-- Second Part - Making the Dish

20 apples, peeled and diced
10 onions, peeled and diced
2 sticks butter
white wheat flour as needed - begin with 1/2 cup.
1 TB. pepper
1/2 tsp. saffron, crumbled
2 cups white raisins
2 cups currants
beef broth, from concentrate - also use water left from boiling tongues, with stuff skimmed off
2-1/2 cups vinegar
In deep heavy pan melt the butter, add the apples and onion, and cook until onion is translucent but not brown.
Mix flour, pepper, and saffron.
Add flour to apples and onions, stirring to prevent lumps.
Let cook for a few moments to remove raw taste from flour.
Add raisins, currants, broth and vinegar: should be tart and a little sweet.
Simmer briefly to blend.
Cut tongue into 1/4" slices, trimming gristle and fat as necessary.
Brown tongue slices on grill.
Return tongue to sauce and let simmer until sauce reduced by half.


Left: September 19, 2005 By: In:

I'm not hearing enough cow tounge!


Left: September 01, 2005 By: In:

YUMMY!!!


Left: September 01, 2005 By: In:

SPICED SMOKED COW TONGUE

1 smoked beef tongue
1 c. dry red wine
Juice of 1 lime or 1/4 c. cider vinegar
2 tbsp. tarragon vinegar
1/2 tsp. peppercorns
6 whole cloves
2 tbsp. sugar
1 bay leaf (about 1 inch)
1 chili tempini seed, crushed
6 thin slices fresh ginger root
1 clove of garlic

Put the tongue and all the other ingredients in a large, heavy kettle. Add enough water to cover. Bring to a boil, then reduce heat until barely simmering.
Continue simmering until tender when pierced with a fork. Turn once or twice during the cooking process. Total cooking time will take 2 to 2 1/2 hours. Remove the skin while still warm and return the tongue to the broth. 4 servings per pound of tongue.




Left: August 31, 2005 By: In:

I'm completely lost on that one.


Left: August 31, 2005 By: In:

I don't know! I'm confused now.


Left: August 30, 2005 By: In:

Holy shit! What was that?!?


Left: August 25, 2005 By: In:

Oh took control now ya dirty little dropping sniffer. I don't wanna talk to you no more, you empty headed animal food trough wiper! I fart in your general direction! Your mother was a hamster and your father smelt of elderberries!


Left: August 23, 2005 By: In:

Dude in Santa Rosa, you still have to make a payment. You know how much your payment is and when it's due. Do you have internet access? If so, make your payment online. Don't let your financial future rest in someone elses hands. Take control.


Left: August 22, 2005 By: Becca In: Minnesota

I have had a loan with Countrywide mortgage. I haven't had a problem with them either (knock on wood). I am very happy they take online payments. I refinanced with them. There were a few mistakes in paperwork that the loan processor made. But if you read it over like you are suppose to do before you sign a legal binding contract you will be just fine.


Left: August 16, 2005 By: Michael Tran In: Santa Rosa

I have two Countrywide mortgages in Arizona and in both cases I have not received statements on occasion and so do not pay.

Within 15 days, I get a "default" notice saying I am late and there will be a late charge and I must pay by the 15th of that month. I receive this letter on the 13 or 14th and am thinking I never received the statement in the first place.

Of course I mail in the check but they still charge me a late fee because I did not get it in by the 15th.

I have updated my address but I still will not receive one of the loans even though the other one will arrive on time.

I honestly believe countrywide is trying to make some extra cash with these late fees and supposed lost mail.

As the rept said, "It is your responsibility to make the payments on the first of the month even if you do not receive a statement" Translation, even if we screw up it is your responsibility to fix our mistake and by the way we will charge you for that privilege.




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 19, 2005 By: Thomas Martin In: New Orleans

Hi My name is Thomas Martin & we have the National Mortgage Complaint Center and we are looking into the lending practices of Countrywide Home Loans. If anyone reading this has had a problem we would be very interested in hearing from you.


Left: June 17, 2005 By: Tom In: Charlotte, NC

I did a re-fi on my home just over a year ago and my broker hooked me up with Countrywide. A rep said the rate would be re-calculated every six months. I should have read the fine print myself. It's monthly. 12 months later my mortgage has doubled. Don't listen to their reps'. They'll tell you pigs fly over Italy during the mating season to get you to sign. I'm looking to re-fi as I write this just to deal with another company.


Left: June 11, 2005 By: Nancy In: NC

I have to say I am surprised with all of these stories. I have been a customer of Countywide/Full Spectum for 4 years, and have never had any problems with them. It may be the representive or office in general that we dealt with, but again NO problems. We have refinanced as well, with Countywide handling the whole process. From start to finish (it did take some time) but never any dishonesty, loan as stated, etc.
I am really sorry for all of you that have had problems, and glad to say I have not. I will continue to be a customer of Countywide, as they have been good to us.



Left: May 27, 2005 By: sharon sirc In: cary, nc

Countrywide Home Loans bought my mortgage in November, 2004. When I made the first payment, they didn't have the account set up yet and returned the payment to me, thereby making it LATE!!
When I called to complain, they offered no good explanation.
I waited for a bill to make the second payment... which I never received. What I did receive was a phone call telling me the payment was late!
I called again... asking how a payment could be late when no bill was ever provided. Again, no explanation.
It is now May, 2005.... I have NEVER received a bill from Countrywide.
Do NOT do business with this company... and if, as in my case, your original mortgage company decides to sell your loan... fight them and demand they choose a reputable company to deal with.


Left: May 21, 2005 By: Tina Morrison In: Richlands

wow..I am so happy I found this site. I just contacted Countrywide and filled out a form. I missed the first call, so I figured I would call them. A young man answered the phone and told me he "couldn't" practice in NC and he would have someone else call me. Never recieved a call and it raised alarm bells because I thought that was so weird. I knew he was just customer service. So, I started looking in to the company.....there are awful stories, but thanks for saving one more person from the nightmare. I will pass the word.


Left: May 17, 2005 By: Susan In: Durham

Thanks for your site! I just called CW today to schedule an appt for buying a new house. I had forgotten that when I first got my existing mortgage, I had to send in proof of homeowners insurance 3 times; they claimed I never responded to their letters even though I mailed in proof the very next day. They played games with my escrow account, paying my taxes in Sept instead of in Dec, causing me to have to pay catch-up payments. Let's not talk about how far and fast the interest rate on my 2nd mortgage has gone up. I considering putting part of it on a 0% credit card to pay it off quicker!


Left: May 10, 2005 By: mike In: NC

Countrywide associates are ###holes!


Left: April 30, 2005 By: David In: Texas

Wow, Alma: your story is strangely similar to mine. Promised an 8.375% rate in writing and ending up at 10%. Bait-n-switch all the way.

I've got an attorney just chomping his teeth waiting to pounce on them. I'll let you know how it goes.


Left: April 06, 2005 By: Alma C. Monk In: Littleton, N.C.

I've read your stories and yours are no different than what we have experienced with Countrywide/Full Spectrum Lending. In the end, we are victims to fraud, deceipt and out right theft.
We financed our home in North Carolina in December of 2003,at an extremely high interest rate of 10.5%. We were given an initial rate of 8.375%. However, we did not know until closing that the interest rate had been switched. We were in such need of the equity that we agreed to the terms with the understanding that we could refinance to a lower rate in a year. The home initially appraised for $81,000.00 in 2003. When we recently(February 2005) tried to refinance to a
6.135% rate, Full Spectrum appraised the home again at $50,000.00. In both cases, the Lender hired and selected the Appraisers, both from Landsafe. It is not possible for a home to drop in value by $30,000.00 in just over a year unless it is near demolished, which is not the case. They have been stalling and lying to us for over 2 months. At last, we have asked them to send us a letter stating the reason for denying our refinance request. They informed us that Countrywide's position was to take the $50,000.00 appraisal even though their undrwriters approved the first appraisal at $81,000.00. You do the math, it does not add up. If we leave Countrywide to refinance with another lender, there is a prepay penalty. It is to their advantage to keep us paying that 10.5% interest rate. Regarding the switching of the interest rate, we kept copies of all of the documents that will verify this fact.
We have had enough of the lies. We filed complaint with HUD, and the Federal Trade Commission----HOPING FOR ASSISTANCE?
We don't have an Attorney, but we are looking. If anyone knows of one in North Carolina please let us know, and/or we will gladly join a class action suit.


Left: April 06, 2005 By: Alma C. Monk In: Littleton, N.C.

I've read your stories and yours is no different than what we have experienced with Countrywide/Full Spectrum Lending. In the end, we are victims to fraud, deceipt and out right theft.
We financed our home in North Carolina in December of 2003,at an extremely high interest rate of 10.5%. We were given an initial rate of 8.375. However, we did not know until closing that the interest rate had been switched. We were in such need of the equity that we agreed to the terms with the understanding that we could refinance to a lower rate in a year. The home initially appraised for $81,000.00 in 2003. When we recently(February 2005) tried to refinance to a
6.135% rate, Full Spectrum appraised the home again at $50,000.00. In both cases, the Lender hired and selected the Appraisers, both from Landsafe. It is not possible for a home to drop in value by $30,000.00 in just over a year unless it is near demolished, which is not the case. They have been stalling and lying to us for over 2 months. At last, we have asked them to send us a letter stating the reason for denying our refinance request. They informed us that Countrywide's position was to take the $50,000.00 appraisal even though their undrwriters approved the first appraisal at $81,000.00. You do the math, it does not add up. If we leave Countrywide to refinance with another lender, there is a prepay penalty. It is to their advantage to keep us paying that 10.5% interest rate. Regarding the switching of the interest rate, we have copies of all of the documents that will verify this fact.
We have had enough of the lies. We filed complaint with HUD, and the Federal Trade Commission----HOPING FOR ASSISTANCE?
We don't have an Attorney, but we are looking. If anyone knows of one in North Carolina please let us know, and we will gladly join a class action suit.


Left: April 06, 2005 By: Alma C. Monk In: Littleton, N.C.

I've read your stories and yours is no different than what we have experienced with Countrywide/Full Spectrum Lending. In the end, we are victims to fraud, deceipt and out right theft.
We financed our home in North Carolina in December of 2003,at an extremely high interest rate of 10.5%. We were given an initial rate of 8.375. However, we did not know until closing that the interest rate had been switched. We were in such need of the equity that we agreed to the terms with the understanding that we could refinance to a lower rate in a year. The home initially appraised for $81,000.00 in 2003. When we recently(February 2005) tried to refinance to a
6.135% rate, Full Spectrum appraised the home again at $50,000.00. In both cases, the Lender hired and selected the Appraisers, both from Landsafe. It is not possible for a home to drop in value by $30,000.00 in just over a year unless it is near demolished, which is not the case. They have been stalling and lying to us for over 2 months. At last, we have asked them to send us a letter stating the reason for denying our refinance request. They informed us that Countrywide's position was to take the $50,000.00 appraisal even though their undrwriters approved the first appraisal at $81,000.00. You do the math, it does not add up. If we leave Countrywide to refinance with another lender, there is a prepay penalty. It is to their advantage to keep us paying that 10.5% interest rate. Regarding the switching of the interest rate, we have copies of all of the documents that will verify this fact.
We have had enough of the lies. We filed complaint with HUD, and the Federal Trade Commission----HOPING FOR ASSISTANCE?
We don't have an Attorney, but we are looking. If anyone knows of one in North Carolina please let us know, and we will gladly join a class action suit.


Left: April 05, 2005 By: Never work with Countrywide! In: Charlotte

It has been a nightmare since we decided to refinance with them. The agent did a bait and switch to start, but the real problems started with a $10,000 payment that we made and after fighting an uphill battle they finally got it together and posted the payment 8 MONTHS later. Ever since, it has thrown off our account puting it in a false late payment status and reporting us to the 4 credit companies. I have spoken with 4 supervisors and 3 customer service representatives to get it fixed since October, 2004 spending hours on the phone each time (not to mention the time spent on the phone with them to have my $10,000 posted) and all I have received in return is a pretty letter stating that they plan to remove the hit from my credit report where it is still showing 4 1/2 months later, a lot of empty promises and a bunch of headaches. From start to finish Countrywide has been a miserble experience and I am only still with them because I am afraid that if I am no longer a customer they won't get it fixed and my credit reports cleared for me. I would pay a lot of money to have signed with a different company.


Left: February 23, 2005 By: Michael S Fitzpatrick In: Wilmington N.C.

I am a new loan officer with Sanddollar Mortgage Co. in Wrightsville Bch, N.C. COUNTRYWIDE is one of the 28 lenders that we have access too. After reading so many of the complaints that so many of you are having...all I can say is WOW! Needless to say I will never use them and steer anyone I know away from Countrywide if I hear they are considering them. I will give them this web site to veiw for themselves. Thanks to all who have posted a response...this is the best way to fight them...preventing future sales.


Left: February 17, 2005 By: Jen In: Formerly of Colorado Springs

Ok, mine would be an incredibly long story, so I won't put it all here. Countrywide has owed me over one thousand dollars of my escrow check for over 90 days now, claming I owe them fees and they can't release the money.

Suffice to say this: THE VA IS LOOKING FOR LETTERS FROM VETERANS WHO HAVE BEEN WRONGED BY COUNTRYWIDE. They are in the process of investigating them and taking them off their list of "trusted" lending partners. If you are a veteran and have had a bad experience, PLEASE take the time to write a letter and send it. You can send it to your local VA office, attention Loan processing. OR:

Denver Loan Center
P.O. Box 25126
Denver, CO 80225
Attention: Dept. 264

I urge you to take the time to write the letter and save more people like us from suffering!


Left: December 08, 2004 By: Steve Lindsley In: Mount Airy, NC

When we bought our house our mortgage was immediately sold to Countrywide. Everything was fine until we decided to refinance to get a cheaper monthly mortgage payment. I called Countrywide and had a wonderful conversation with a guy who told me I could get a cheaper rate AND not have to pay any closing costs up-front (they'd be financed into the loan), other than a credit report and appraisal totaling $390. I thought that was a pretty fair deal. However, when the appraisal came in (incidentally, a Countrywide-sanctioned appraisar, hmmm....) the value was $15K LESS than what my house appraised for a little over a year before. We live in a great neighborhood - not like we live next to a chicken farm or state prison or anything. What this meant, of course, was that for the refinance to go through I'd have to bring thousands of dollars to closing - which we simply couldn't do. We appealed but only got it up $5K. So, I had to ditch the refinance plan, which meant I was out $390. Countrywide, you truly suck! I've already started conversations with another lender.


Left: November 05, 2004 By: Paulette Patterson In: Durham,NC

I took out a loan with Countrywide in June 2004.The agreement was 3.5%percentage rate this was a 30,000 dollar loan.The payment were75.00 a month in July/August/September.I get a bill in October for 202.62 dollars and I paid that then I get November bill for 216.00.My how I wish had paid more attention before I signed.The percentage rate went up to 8.5.Now I'm retired and really up the creek.You are right they do SUCK!!!!I'm going to have to work part-time just to pay off this bill!!.


Left: September 29, 2004 By: Will update u in a week 09/29/2004 In: Denver, North Carolina

THIS IS UNREAL.....Long story but worth reading. Home is financed thru Countrywide. Homeowners insurance and taxes are paid in escrow. Aug. 2004 our hotwater heater burst. We made immediate repairs. Contacted insurance company to have adjustor sent in because of extensive water damage. They informed me CountryWide had failed to pay our homeowners insurance. Currently have over $15,000.00 worth of damage. Am walking on wood planks with nails and staples. CountryWide has admitted fault and turned us over too Balboa. Folks, this is almost Oct. and I can't get any help. Legal action may be necessary. I don't know where to start. Just to give you an idea, aside from floors, walls have holes where the carpet was removed and sheet rock was wet, holes drilled in kitchen cabinets, industrial fans brought in to dry floors and now everything is covered in dust, had to have storage container delivered so we have somewhere to put our furniture, and on and on. Top it off, had heart cath done in June and not in good health (never thought I would say that). They are aware and do not seem concerned. Any class actions: Put me on the list.

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