Countrywide Financial <? echo $state ?> Home Loans Sucks

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

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

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

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Date: Sat 02/24/07 3:44PM
From: hl

Message: I worked for Countrywide for about a year and left in August, 2005. In 2005 Countrywide decided to stop paying employees current and start paying them one week in arrears. They gave employees what they called a "Cutover Loan" which would cover the one week's salary the employee would be missing in their paycheck because of Countrywide's policy change. Subsequently, the employee would pay Countrywide back the "Cutover Loan" through paycheck deductions. When I quit Countrywide in August, 2005 I was sent a final paycheck that was suppose to cover the money I was owed for vacation I handn't taken and days I hadn't been paid for yet minus whatever amount I still owed on the "Cutover Loan." Now, a year and a half later I just received a collection letter from Countrywide saying that I owe them $332.18 from the "Cutover Loan" from 2005. I doubt that I still have any paystubs that I could use to verify the accuracy of what they are saying. Is this legal for them to send me a final payoff check and then send me a letter a year and a half later saying tha5t they are attempting to collect a debt I owe them?
Date: Fri 02/23/07 8:42PM
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Date: Mon 01/1/07 12:03AM
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Date: Sun 12/31/06 11:03PM
From: cathy

Message: I set up my mortgage with Pay Plan at Countrywide, sending them the information via mail, so that they could begin debiting my account for the first due payment, October 1. I called Countrywide just before October 1, and they said that they had received no information from me. I was thus forced to make a payment directly on their website. When my information I had sent by mail in September was still not received for November, I also put though a manual payment online for November. For December I had the automatic debit set up, only had no way of knowing that I was scheduled for two payments. So my bank account was over drawn as a result of two payments been collected; I felt that Countrywide had some responsibility in getting pay plan set up properly. Perhaps contacting a new morgarge -holder and see if things are going well, as I have been faced with the "growing painds fo a ddw nromh dry i[ eewithough any a**istance or respoibe. I do not feel that the $25 dThey claim to have not received the written material I sent them which would have started my pay plan payments; as I set my mortgage payments up without any (what would be expected )a**istance or communication from their behalf, I am stuck with an overdraft charge of $h on the phone explaining to several Counttwo more afternoons speaking to differnt countey wise reps to repleat my message, as I respoibseed to thr las letter sent by mail from them which read "We have resulted your concerns in the las conversation we had with you--ry Wide respresentatives agents that I did not feel fully respoisbilie for the $25 fee I was no faving. They hadn't helped me along the sway (received my mail) and they -- she has n ignored. I sepnnt hadn't communited with mealong the way, so that as a new morgage holder in holding a nirgage ub uts more infacnyt sttaghes
Date: Sun 12/31/06 10:47PM
From: Cathy

Message: I set up my mortgage with Pan Plan at Countrywide, sending them the information via mail, so that they could begin debiting my account for the first due payment, October 1. I called Countrywide just before October 1, and they said that they had received no information from me. I was thus forced to make a payment directly on their website. When my information was still not received for November, I also put though a manual (opposed to having set up an automatic monthly debit--which I had attempted for the October payment and was still hoping would work). For December I had the automatic debit set up, only had no way of knowing that I was scheduled for two payments. So my bank account was over drawn as a result of two payments been collected; I left that Countrywide had some responsibility in gettin pay plan set up properly. They claim to have not received the written material I sent them which would have started my pay plan payments; as I set my mortgage payments up without any (what would be expected )a**istance or communication from their behalf, I am stuck with an overdraft charge of $h on the phone explaining to several Counttwo more afternoons speaking to differnt countey wise reps to repleat my message, as I respoibseed to thr las letter sent by mail from them which read "We have resulted your concerns in the las conversation we had with you--ry Wide respresentatives agents that I did not feel fully respoisbilie for the $25 fee I was no faving. They hadn't helped me along the sway (received my mail) and they -- she has n ignored. I sepnnt hadn't communited with mealong the way, so that as a new morgage holder in holding a nirgage ub uts more infacnyt sttaghes
Date: Sat 12/30/06 8:18AM
From: lindavids

Message: Hi all!
Thank you for your site Resp.
And Happy New Year.
Bye
Date: Tue 12/26/06 10:51PM
From: Mort

Message: I'm a consumer rights attorney investigating CHL's fee practices and know much of the below, sadly, to be all too true. My group already has a number of cla** action cases underway against CHL concerning various servicing and payoff fees they charge. If anyone here is a CHL borrower or has a loan being serviced by CHL and you have suffered abuse at its hands, I'd be happy to share what we know and try to help -- you can reach me at chlfees at yahoo dot com.
Date: Wed 11/15/06 11:06AM
From: Ms. Helpful

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

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

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

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

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

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

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

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

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

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

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

6. Get Fired Up!
When layoffs are looming, the best course of action is to stay positive and place yourself in a position of strength. Remember, change is an accelerating mechanism. It can bring about hardship and anxiety if you try to avoid it, but tremendous opportunity if you accept and welcome it.
Date
Left: August 20, 2006 By: In:

No wonder the Vice Presidents hide in their private offices instead of going out on the floor where the workers are. They get scared when the PLCs ask them a loan question and they can't answer it nor will they take the time to find out. Just consult the loan program guidelene. What a joke. That's what your job is. It doesn't take much to get a VP title at Crappywide. There's hundreds of them. Mike Mathews is the most worthless VP of them all in AZ.

Left: August 17, 2006 By: In:

Offices being raided, audited, and then closed

Left: August 15, 2006 By: In:

S & L crisis of the 80's, junk bond traders of the 90's, mortgage banking crisis of the 00's?

Left: August 14, 2006 By: F - OFF In: Atlanta

When the levee breaks, CHL you better run. Crying won't help you, preying won't do you no good. going down, going down now. bye-bye, bye-bye. FU CHL and the Texas HOG bh......you do not deserve capital initials........go dig around in the company cafe dumpster in Plano you FAT PIG

Left: August 14, 2006 By: In:

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

Left: August 13, 2006 By: In:






Countrywide Financial - Arizona Home Loans - Equity Loan Mortgages SUCKS!
Sub-prime (bad credit), Need money, Mortgage Refinance, Or Want A Home Equity Loan Arizona and dont want to get ripped off or have hiden fees on your Home Loans?
Need A Home Loan AZ, 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. If you don't have the lowest loan rate, We can Reffer you to lenders that will do a search of 100's Mortgage brokers to ensure that your loan is best for you.

This is what home loan customers in Arizona (AZ) have been saying...


• Bad Credit Home Loans
• Home Loans
• Home Equity loan
• Refinance
• Home Equity
• Debt Consolidation
• Equity Credit Line
• Home Loan
• Land Purchase

Left: August 12, 2006 By: In:

S&P 500 Scorecard: Hospira, Mylan, Countrywide Lead Index Lower

Aug. 11 (Bloomberg)



WORST PERFORMING

Countrywide -12% The biggest U.S. mortgage provider said

Financial Corp. lending declined 19 percent, more than

(CFC, $32.94) analysts expected.





BYE BYE PIGGY BRIAN HALE HAHAHA

chl is no good

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Left: August 06, 2006 By: In:

chl is no good

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Left: August 04, 2006 By: In:

megan fink is a fat ass who licks john bianchi to get promoted in my eyes...and my eyes see a big fat cow who has had plastic surgeries to try and fit into airplane seats...I think she was charged double seats from 2001-2006, costly for such a BIG cow!

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Left: July 25, 2006 By: Countrywide Hater In: Everywhere

I think you're right. The company won't investigate Bianchi becaues they have a pretty clear indication of what can of worms will open. It's o.k. When enough heat gets put on the investigating entities (and we'll make sure it does), they'll have no choice but to look into it. Handcuffs are comin' . . .



Will Fink's fat ass fit into the backseat of a police car? They might have to bring the paddy wagon. Prison orange is soooo becoming.

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Left: July 25, 2006 By: In:

the company will not investigate Bianchi becuase they know what they will find.

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Left: July 21, 2006 By: In:

Do not report or complain to the company on house, always go to the press or an atorney, both, report the fraud and service issues to outside govt agencies. bridgegirl1974@yahoo.com

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Left: July 20, 2006 By: In:

Employees calling HR Central now get a phone call

answered by some twit in India.

Deal with it.

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

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



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



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



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



We'll be the last ones laughing, Countryfried!



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

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Left: July 18, 2006 By: In:

countrywide cover fraud and hides things from the public, if you go to the press and government agencies it is the best case for you if you are a employee or customer violated.

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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

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Left: July 12, 2006 By: In:

file for overtime and go to the press about this company and the violations they do to you.....do not give the company the opportunity to keep it hushed!

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Left: July 12, 2006 By: In:

Countrywide is a predatory lender that cons senior

citizens into pay option arm loans and gets borrowers to

refinance into combo loans when all they need is a

fixed rate second mortgage with lower fees than a whole refinance.



Get this too - they make borrowers use their in

house *third party* affiliate Landsafe, generating

even more money for Countrywide Financial.

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Left: July 11, 2006 By: In:

Megan Fink is a criminal fat cow who cannot get any dik, she tried to Fuk her subordinate Dana Copeland yet he ran for the hills, yet accepted the job in San Marcos..Fink cannot fit in her little lexus, funny how fat asses like small cars...dum fat ass bioootcch. She is going down for her criminal ways, soon , very soon.

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Left: July 11, 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.

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Left: July 11, 2006 By: In:

Countrywide rips off its Loan Consultants by not

paying them for loans closed during the last month

of employment by witholding the pay for 30 days

after they leave. Countrywide keeps it.



Then they give the active loans being processed in the former employees

pipeline to their cronies to get paid on.

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Left: July 09, 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.

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Left: July 09, 2006 By: In:

Crappywides rates are so bad they wont

even list them on their own website so you can compare & shop.

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Left: July 08, 2006 By: In:

Countrywide is the most criminal bunch of scumbags there is, read there $30 mil settlement, they are the cancer of this nation and next to Enron and Ameriquest, are the biggest bunch of f-ing scum that exists!!!!

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

Countrywide can pay a hacker to empty the postings on this site, but they rob their employees every day!!! Nice priorities.

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Left: July 03, 2006 By: In:

25 people lining up to tell the truth of bianchi and fink operations and business

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Left: July 01, 2006 By: In:

go to illinois page to read cali stuff, they shut this down

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Left: June 16, 2006 By: In:



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


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


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


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


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


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Left: June 14, 2006 By: In:


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


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Left: June 14, 2006 By: In:



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


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


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


Nothing but a recipe for fraud fraud fraud.

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Left: June 12, 2006 By: In:



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


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


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


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Left: May 15, 2006 By: In:


Look, if you were an employee of this


criminal company, whether a salried or a commissioned employee AND you did your work


from the office or home at least 50% of the


time, you are owed time and a half in overtime for every hour worked over 40 hours in a week.


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


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


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


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


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


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


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


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Left: May 15, 2006 By: In:


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


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Left: May 12, 2006 By: In:



ALL SHOULD FILE FOR OVERTIME IF YOU WORKED AT COUNTRYWIDE

do you mean the company offers



to pay half the rate? OR are you



referring to:

Arizona does not have a minimum wage



or an overtime law. If the employer



is covered by the Fair Labor Standards



Act, the federal minimum wage and



overtime laws apply. For information



on the Federal minimum wage and



overtime laws, contact the Federal



Wage and Hour Division



at www.wagehour.dol.gov .


This does not eliminate the



federal requirements of Countrwide



and offers of half the wage is against



the law as referenced below:

Fact Sheet #23: Overtime Pay Requirements



of the FLSA:

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

Characteristics



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

Requirements



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

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

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

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

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

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

Back to Top



Typical Problems



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


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


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


Where to Obtain Additional Information



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

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Left: May 11, 2006 By: In:



In Arizona they pay for overtime but it's



not time and a half. You get paid half the pay of your regular hourly rate. I kid you not!



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Left: May 08, 2006 By: In:



wow, i had no idea i



could get paid for



overtime. nice the company



has 20,000 originators, are



all of them classified as exempt?



what about the processing and support



staff, I know they don't get paid overtime



here in socal. billions of $'s is at risk..



truth!



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



SERIOUS NOTICE-







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







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







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







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







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







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







TAKE THE FACT THAT ALMOST ALL HLC'S FOR THE COMPANY WORK 55+ HOURS WEEKLY FOR TWO YEARS WOULD BE OWED...104 MONTHS (2YEARS) X'S 15 HOURS



X'S $144 (TIME AND A HALF RATE)



='S



$224,640!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!







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







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







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







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







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



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



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



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



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Left: May 01, 2006 By: In:



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



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Left: April 29, 2006 By: In:



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







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







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



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Left: April 28, 2006 By: In:



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



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



As a former employee of Crappywide I wish I would have came across this site before accepting a job with the worst mortgage company in the world! The management is incompitent and the employees who acctually care for the customers are systematicly removed from the company. The process of becoming one of these managers involves either sleeping with another manager or being the best friend of their spouses! Micro managing is putting it mildly! Our manager went to the extent of trying to get two way mirrors installed on his doors so that he could watch employees with out him being seen!



We were told that we were not to turn around in our seats to even ask a fellow co-worker a question! I experienced a lot of shady things when working customer service. The corporate credit card was used to buy things not related to CHL in ANYWAY. Administrative assistants were sent to go buy shoes and clothing while on the payroll! Sexual harassment runs rampant and I had several women I worked with who were aproached by my manager for sexual favors outside of work (so that it would not be traceable and it would come down to their word against his) many tried to leave the dept. so that the constant badgering and mistreatment (if you said no) would stop, unfortunately your manager must approve that transfer! I and most of my co-workers were subject to mandatory overtime of which you were paid but... you worked 10+ hours a day and were required to work saturdays as well. I began seeing my co-workers more than my own family. Then the last straw was when a good family friend had passed away and I was told I could not attend the funeral because this was not an immediate family member! After this incident I found it impossible to work with a manager staring out their window at you and calling your team leader if you turned your head to answer someone's question! At the advice of my doctor I had to be medicated to make it through a day at work! Getting fired was the best thing that ever happened to me and to anyone looking to start a carrier with Countrywide I would have to say "How much do you value your beliefs and time with your loved ones?" And as for Mozillo! That man knows EXACTLY what is going on with in his company and he does NOTHING!

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



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



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Left: February 13, 2006 By: In:



The Federal Trade Commission really needs to investigate Countrywide.



Once they get a hold of Countrywide the Ameriquest Settlement will look



like peanuts.







#1. Call Countrywide to inquire about interest rates.



Go ahead call the 800 # or a retail branch.







Sure they will quote loan interest rates and loan programs



to you all day long.

What they Never do is quote to you the ANNUAL PERCENTAGE RATE



when quoting rates and fees to the customer.



This is in violation of Reg. Z

Their antiquated software *advantedge* does not have the ability



to blend the rate and closing cost into an APR to get



the true cost of obtaining the financing.

Sure a 5 year ARM at 6.25% might sound good to you but when they dont



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

FTC you need to really look into Countrywides numerous



compliance violations including not sending disclosure packages



to borrowers within the 72 hour time limit.

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



If you wait to pay your Countrywide payment today the 13th do not drop it off at a branch.



They just mail it in for you and you will get a late payment fee charged even though Countrywide technically has your payment.







Just another way Countrywide Home Loan SUCKS!



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Left: February 10, 2006 By: In:



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



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



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



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



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



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Left: February 09, 2006 By: In:



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



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



My problem is NOTHING like others have. I'm LUCKY!



I have only had my loan for 5 months. I pay online and pay extra into the principal. If I haven't paid them by the 4th, I start getting phone calls and messages. I worked Friday(payday) Sat and today-Sunday. I was stuck at work from 0645 am to 8:00pm all three nights. I figure I'd pay my bills Monday,because I'm off from work!Tonight I have two urgent messages to call them. Then I remembered ,they call for payment if you haven't paid by the 4th of the month. Yes, they admit you have 14 days. I pay online and pay extra principal. I will be stuck with them for two years (or pay penalty) but I will find someone else-believe me! I will pay them online and mark payment for the 13th of the month from here on out.



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Left: February 05, 2006 By: In:



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







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







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







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

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


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


*****



It's the just the same old song and dance







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

COUNTRYWIDE IS NOT THE EMPLOYER OF CHOICE.

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Left: February 04, 2006 By: In:



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



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Left: February 03, 2006 By: In:



NO ONE CAN LIE LIKE COUNTRYWIDE CAN







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







NEVEVERMIND THAT ITS A VARIABLE RATE ARM (Prime Rate+) LOAN.







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







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







No one can screw you like Countrywide can.


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Left: February 03, 2006 By: In:



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



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



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



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



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



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Left: February 01, 2006 By: In:



Melanee



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







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



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



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



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Left: January 31, 2006 By: In:



what a bunch idiots fu cw



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Left: January 29, 2006 By: In:



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







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







Culpability starts at the top.







Enron was big once and CFC is a big on paper tiger built on loan servicing with other peoples money.



When the deck of cards starts to fall it's all going to come down fast.







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



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Left: January 29, 2006 By: In:



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







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







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



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Left: January 29, 2006 By: In:



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







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







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











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Left: January 29, 2006 By: In:



NO ONE CAN LIE LIKE COUNTRYWIDE CAN







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







NEVEVERMIND THAT ITS A VARIABLE RATE ARM (Prime Rate+) LOAN.







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







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







No one can screw you like Countrywide can.







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







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Left: January 29, 2006 By: In:



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



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Left: January 28, 2006 By: In:



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



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



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



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



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



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Left: January 28, 2006 By: In:



what is a "jagoff" ?



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Left: January 27, 2006 By: In:



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







Blame Doyle.



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Left: January 27, 2006 By: In:



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







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







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



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Left: January 27, 2006 By: In:



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



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Left: January 27, 2006 By: In:

















































































































































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Left: July 01, 2006 By: In:

Califonria past posts!!!!! hahahaha they can't erase them.





Left: June 18, 2006 By: In:



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



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Left: June 16, 2006 By: In:



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







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







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







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







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



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Left: June 14, 2006 By: In:



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



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Left: June 14, 2006 By: In:



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







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







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







Nothing but a recipe for fraud fraud fraud.



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Left: June 13, 2006 By: In:



CHL = Enron



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Left: June 12, 2006 By: In:



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



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Left: June 09, 2006 By: In:



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







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



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Left: June 08, 2006 By: In:



Phuck Kuntryfried



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



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



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Left: May 15, 2006 By: In:



Look, if you were an employee of this



criminal company, whether a salried or a commissioned employee AND you did your work



from the office or home at least 50% of the



time, you are owed time and a half in overtime for every hour worked over 40 hours in a week.







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







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







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







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







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







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







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











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Left: May 15, 2006 By: In:



What about all the holidays we never got because they



were on the weekend or scheduled day off?



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Left: May 12, 2006 By: In:



OVETIME IS WAITING FOR



ANYONE WHO FILES IT!



THIS COMPANY SAVES



MORE THAN $1BILLION



BY NOT PAYING OVERTIME.



THE GOOD THING FOR THE



COMPANY IS THAT NO ONE



REALLY KNOWS THEY WERE



VIOLATED. THE COMPANY



IS AHEAD $1BILLION!!!!!!



BY NOT PAYING OVERTIME



PROPERLY NATIONWIDE,



SERIOUS FEDERAL LIABILITY.



COUNTRYWIDE CANNOT HIDE IN



ANY STATE AND CAN ONLY HOPE



A CLASS ACTION ISN"T TRIGGERED.







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Left: May 12, 2006 By: In:



ALL SHOULD FILE FOR OVERTIME



IF YOU WORKED AT COUNTRYWIDE







do you mean the company offers



to pay half the rate? OR are you



referring to:







Arizona does not have a minimum wage



or an overtime law. If the employer



is covered by the Fair Labor Standards



Act, the federal minimum wage and



overtime laws apply. For information



on the Federal minimum wage and



overtime laws, contact the Federal



Wage and Hour Division



at www.wagehour.dol.gov .







This does not eliminate the



federal requirements of Countrwide



and offers of half the wage is against



the law as referenced below:







Fact Sheet #23: Overtime Pay Requirements



of the FLSA:







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







Characteristics



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







Requirements



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







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







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







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







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







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







Back to Top



Typical Problems



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







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







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







Where to Obtain Additional Information



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



















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Left: May 11, 2006 By: In:



In Arizona they pay for overtime but it's



not time and a half. You get paid half the pay of your regular hourly rate. I kid you not!



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Left: May 08, 2006 By: In:



wow, i had no idea i



could get paid for



overtime. nice the company



has 20,000 originators, are



all of them classified as exempt?



what about the processing and support



staff, I know they don't get paid overtime



here in socal. billions of $'s is at risk..



truth!



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



SERIOUS NOTICE-







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







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







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







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







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







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







TAKE THE FACT THAT ALMOST ALL HLC'S FOR THE COMPANY WORK 55+ HOURS WEEKLY FOR TWO YEARS WOULD BE OWED...104 MONTHS (2YEARS) X'S 15 HOURS



X'S $144 (TIME AND A HALF RATE)



='S



$224,640!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!







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







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







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







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







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



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



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



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



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Left: May 01, 2006 By: In:



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



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Left: April 29, 2006 By: In:



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







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







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



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Left: April 28, 2006 By: In:



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



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



As a former employee of Crappywide I wish I would have came across this site before accepting a job with the worst mortgage company in the world! The management is incompitent and the employees who acctually care for the customers are systematicly removed from the company. The process of becoming one of these managers involves either sleeping with another manager or being the best friend of their spouses! Micro managing is putting it mildly! Our manager went to the extent of trying to get two way mirrors installed on his doors so that he could watch employees with out him being seen!



We were told that we were not to turn around in our seats to even ask a fellow co-worker a question! I experienced a lot of shady things when working customer service. The corporate credit card was used to buy things not related to CHL in ANYWAY. Administrative assistants were sent to go buy shoes and clothing while on the payroll! Sexual harassment runs rampant and I had several women I worked with who were aproached by my manager for sexual favors outside of work (so that it would not be traceable and it would come down to their word against his) many tried to leave the dept. so that the constant badgering and mistreatment (if you said no) would stop, unfortunately your manager must approve that transfer! I and most of my co-workers were subject to mandatory overtime of which you were paid but... you worked 10+ hours a day and were required to work saturdays as well. I began seeing my co-workers more than my own family. Then the last straw was when a good family friend had passed away and I was told I could not attend the funeral because this was not an immediate family member! After this incident I found it impossible to work with a manager staring out their window at you and calling your team leader if you turned your head to answer someone's question! At the advice of my doctor I had to be medicated to make it through a day at work! Getting fired was the best thing that ever happened to me and to anyone looking to start a carrier with Countrywide I would have to say "How much do you value your beliefs and time with your loved ones?" And as for Mozillo! That man knows EXACTLY what is going on with in his company and he does NOTHING!



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Left: April 12, 2006 By: In:



Enron ? S&L crisis ? CHL ? Hmmmmmmmm



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



Thanks to the ONE that posted lawfirms to read and then CONTACT about wrongdoings by CW.



NOW, I have hope.



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Left: March 20, 2006 By: In:



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







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







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



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Left: March 17, 2006 By: In:



http://www.ripoffreport.com/







search: countrywide







You will be appalled



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Left: March 16, 2006 By: In:



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







They thought they could get away with it because no empolyee can sue the company.



You sign the arbitration form before you ever get to fill out a job employment application.







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







They still think they are so big that they are above the law operating unlicensed in States that require it and violating RESPA and Fair Housing laws left and right.



Countrywide is a predatory lender that gets retired people into option arms under the guise of payment releif and they flip their own loans they manage for their investors. What kind of crooked mortgage company solicits borrowers that have had their loan less then 6 months?



No one can do what Countrywide can. haha



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Left: March 15, 2006 By: In:



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







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







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







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







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







These are bad bad unregulated people..







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Left: March 15, 2006 By: In:



I think you all are full of shit.







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



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Left: March 15, 2006 By: In:



I think you all are full of shit.







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



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



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



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Left: March 12, 2006 By: In:



Save yourself the misery and just dont work there.



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Left: March 11, 2006 By: In:



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



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Left: March 11, 2006 By: In:



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



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



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



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Left: February 26, 2006 By: In:



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



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Left: February 25, 2006 By: In:



scroll over to click for adding comments



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Left: February 25, 2006 By: In:



What's-up with the bad formating?



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



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



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Left: February 13, 2006 By: In:



The Federal Trade Commission really needs to investigate Countrywide.



Once they get a hold of Countrywide the Ameriquest Settlement will look



like peanuts.







#1. Call Countrywide to inquire about interest rates.



Go ahead call the 800 # or a retail branch.







Sure they will quote loan interest rates and loan programs



to you all day long.







What they Never do is quote to you the ANNUAL PERCENTAGE RATE



when quoting rates and fees to the customer.



This is in violation of Reg. Z







Their antiquated software *advantedge* does not have the ability



to blend the rate and closing cost into an APR to get



the true cost of obtaining the financing.







Sure a 5 year ARM at 6.25% might sound good to you but when they dont



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







FTC you need to really look into Countrywides numerous



compliance violations including not sending disclosure packages



to borrowers within the 72 hour time limit.







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



If you wait to pay your Countrywide payment today the 13th do not drop it off at a branch.



They just mail it in for you and you will get a late payment fee charged even though Countrywide technically has your payment.

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



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



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



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



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Left: February 09, 2006 By: In:



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



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Left: February 08, 2006 By: In:



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







Lazy Countrywide executives even defy their own fundamental behaviors asserted in their own corporate culture statement. Anyone who has worked there knows,



THEY ARE NOT



Open and Honest



Customer Focused



Advocate of Ideas



Continuously Improving



Committed



Adaptable



Visionary



Driver



Professional



Loyal



Solutions Oriented







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







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







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Left: February 07, 2006 By: In:



BOYCOTT HOME DEPOT!!!



February 3, 2006







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



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Left: February 07, 2006 By: In:



Lara - Do you have federal flood Insurance?



Also if you pay online for 3 months they quit the paper statements. Go online and check your account.



COUNTRYWIDE SERVICING SUCKS.



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



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



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



My problem is NOTHING like others have. I'm LUCKY!



I have only had my loan for 5 months. I pay online and pay extra into the principal. If I haven't paid them by the 4th, I start getting phone calls and messages. I worked Friday(payday) Sat and today-Sunday. I was stuck at work from 0645 am to 8:00pm all three nights. I figure I'd pay my bills Monday,because I'm off from work!Tonight I have two urgent messages to call them. Then I remembered ,they call for payment if you haven't paid by the 4th of the month. Yes, they admit you have 14 days. I pay online and pay extra principal. I will be stuck with them for two years (or pay penalty) but I will find someone else-believe me! I will pay them online and mark payment for the 13th of the month from here on out.



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Left: February 05, 2006 By: In:



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







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







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







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







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







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







*****



It's the just the same old song and dance







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







COUNTRYWIDE IS NOT THE EMPLOYER OF CHOICE.







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Left: February 05, 2006 By: In:



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



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Left: February 04, 2006 By: In:



wow angelo was a 14 yr old mortgage broker HAHAHA



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Left: February 04, 2006 By: In:



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







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



*********************







There it is from the horses mouth. Housing bubble means employees get the axe. DISPOSABLE



*PEOPLE ARE OUR GREATEST ASSETS* ALL LIES, LIES, LIES



*********************







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







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







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







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











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Left: February 04, 2006 By: In:



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



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Left: February 03, 2006 By: In:



NO ONE CAN LIE LIKE COUNTRYWIDE CAN







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







NEVEVERMIND THAT ITS A VARIABLE RATE ARM (Prime Rate+) LOAN.







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







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







No one can screw you like Countrywide can.











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Left: February 03, 2006 By: In:



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



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



Improper Home Charges







Read then File a complaint







www.zimmreed.com











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Left: February 03, 2006 By: In:



Angelo - cut Brian Hale's salary 54%



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Left: February 03, 2006 By: In:



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



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



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



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



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



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



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



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Left: February 01, 2006 By: In:



Melanee



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







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



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



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



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Left: January 31, 2006 By: In:



what a bunch idiots fu cw



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Left: January 29, 2006 By: In:



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







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







Culpability starts at the top.







Enron was big once and CFC is a big on paper tiger built on loan servicing with other peoples money.



When the deck of cards starts to fall it's all going to come down fast.







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



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Left: January 29, 2006 By: In:



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







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







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



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Left: January 29, 2006 By: In:



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







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







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











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Left: January 29, 2006 By: In:



NO ONE CAN LIE LIKE COUNTRYWIDE CAN







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







NEVEVERMIND THAT ITS A VARIABLE RATE ARM (Prime Rate+) LOAN.







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







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







No one can screw you like Countrywide can.







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







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Left: January 29, 2006 By: In:



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



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Left: January 28, 2006 By: In:



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



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



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



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



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



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Left: January 28, 2006 By: In:



what is a "jagoff" ?



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Left: January 27, 2006 By: In:



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







Blame Doyle.



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Left: January 27, 2006 By: In:



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







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







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



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Left: January 27, 2006 By: In:



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



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Left: January 27, 2006 By: In:

















































































































































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Left: July 01, 2006 By: In:

Send all complaints to sandy_samuels@countrywide.com and rick_wentz@countrywide.com

These are top Legal People at the company.

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Left: June 30, 2006 By: In:

Let's see, take a top national producer and make him a "Team" EHLC..like Greewald is for Bianchi....now that is funny.



Too bad the people in the region have ALL blown the whistle, past Sales Managers, past employees and current ones ALL have claimed the same, documented it, and the scumbags in HR like Lyol Brumby, what a clown, is the little dog sent to protect them...what f-ing dumbasses, to send a silly little dog when a pitbull or Rott is needed, the reason why Bianchi and Fink will go down so hard is due to Brumby, that weak stick, and he is a weak stick, gets so tripeed up in his messages and his statements, you would think him and Bianchi went to the same Junior College..



Damn fools....but, as the Legal Teams try to containt things, it is getting close to press time according to people I know...soooo many are just going to go right to the Trib and LA Times.



Hmmmm, how many females were sexually harrassed in Bianchi's region? How many kickbaks? How many complaints? HoewMany ripped off and families destroyed due to the greedy scum like Bianchi and Fink?Someone will eventually blow the whistle to the press, provide documents, and force CFC's hand..soon soon

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Left: June 30, 2006 By: In:

I agree, look at the Carlsbad Branch...Sue Hultin the Underwriter does whatever they want, funds whatever they want and that includes her son's loans Aaron Hultin, like Fink hiring her daughter, a conflict of interest against the company policies...



Bianchi also knows of it all, participates and in the end they are hand in hand!!!!! if you can call Fink's hand a hand, maybe a hoof...good one!



Let's see Mgan Fink's daughters- Megan Lowe and Shellee Valenty, do make a lot of money , just handed to them by Fink and Bianchi.



Go talk to Thomas Walters of Encinitas, Carl Streicher of Carlsbad, Anachario in Bianchi

s branch, Kurt Olsen and all the Bianchi cronies..just going along for the $$$$ ride....1000's od customers might like to know they were charged for their gifts!!!!!!! and because of lose lips, it is clearly documented.



Now take a look at using other companies to bring in loans, say non-profit companies. hmmmmmmm, what kind of dumbass would be a part of that.....look at Bianchi and his use of employees who bring in busines through non-profits, damn distgusting, but profitable.



Megan Fink the cow is right...



Everyone write letters to the Board of Directors, those who are from other Companies yet associated with CFC, they will not want to be tied into this crap, but mabye for $400million in loans a years they do...character character character...none there.



Hi Cow!! HI Bianchiscum





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Left: June 30, 2006 By: In:

Let's get it all clear..



John Bianchi, Megan Fink, and the HR department are a bunch of criminals!!!!!



From their abusine their own employees, to threatening jobs when they complain, those scumbags, and they are scumbags, just aren't smart enough to understand that the big boys at the Company hate Bianchi and Fink.



Fink, that fat cow is still a fat cow although she had liposuction, she is still the same ugly pig although she had $50k in plastic surgery.



Her daughters are fat asses, they abuse the Countrywide system for their own benefit, and like others have posted, ALL within Bianchi's region know of the kickbacks to THe Platinum Gift for loan fees charged to borrowers, yet a portion sent to pay for the "Thank You" gift the customer recieves.



When the scumbag fat asses (Finks) finally have it all catch up to them, they will know how arrogant they were.



Let's see, Megan Fink tries to fuck Dana Copeland, he runs from her according to soooo many who know him, and then Megan, trying to get some, puts him in as Branch Manager, after forcing out John Murphy, a 8 year employee and Branch Manager of SanMarcos...etc



Funny, but Fink doesn't realaize her vmails are saved!!!! "We didn't mean to pressure you so hard John" and offers him another Branch, because her husband, the Minister (Minister of what?) must not give it to her....to Dan an Copeland, who is there now....



Copeland himself stated he would rather die than touch her....hahahahahahahahaha, yet he accepts the B. Manager position as a gift from her.



Bianchi also is a scumbag, fucks all kinds of other women, and in the end, his wife, Jennie, knows about it and trips out a lot.



When it comes to covering up things, start with John Gillis and what he did to 3 secretataries, not 1 or 2, 3!!!!!! And the fat cow Fink-Porky, goes to the branch and threatens everyone to not speak of it etc....or lose their job!!!



Unfortunately the fat cow Fink an dbianchi think they have loyalty, but people in Encinitas Branch, right now, have opened their mouths and told the story....



Going forward, look at how the compensation policy of CFC has beeen thrown out the window to protect them,,,like the Board, the Top Attorneys for the Company are going to take the hit in the end..not!!!!!!



When there are documented fraud complaints, harrassment complaints, and retaliation complaints that are right to the top Attorneys for CFC, nothing will protect them when it comes to open public forums..and with sooooo many being abused, the question is who will give them to the press??????????



Who will Bianchi and Fat Ass Fink Blame? Bianchi the scolar? yeah right, dumbass MF took 6 years to complete his Associates degree, nothing but a scumbag who takes credit for loans that others do for him and that he buys from the Realtors in San Diego.



Bianchi and Fink probably get down themselves..he is stupid enoughb to do her and she will do anything for a buck.



Her daughters....little cows, have made soooo mcuh money thanks to her illegal operations, take a hard look at how many gifts were sent out from The Platinum Gift!!!!! How many customers were charged for their gift?????? over 3 years...probably more than $3mil worth, wonder what they filed.



Past Sales Managers, past employess, and Realtors ALL know and are in possession of the documents that show it.



Bianchi and Fink- The Scum of San Diego and The Scum of CFC...CFC and their board will eventually get the same email making them aware of the board they sit on..



In Fact, the Company attorneys have been notified of this kickbak s to The Platinum Gift for months and months, yet they have done nothing about it.



If fat cow Fink and Bianchi think they will always get away with it, they are mistaken, past employees and even current ones hatre them with passion...right in Bianchi's team and branch people hate him, yet go ahead and make $$$$..



Fink is so hated and made fun of it is hilarious, she used to ride in that litle lexus, so funny to see her squeeze into that thing with her fat ass..."Lipo Please"....



She was the only Branch Manager that worked from home (ministry), I wonder how her hubby and family feels about her sexing it up outside the Marrriage...does it..matter.





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Left: June 30, 2006 By: country fried chick In: san diego, ca

To "Idiot/Mr. Manager":



If you've been with Countrywide for 10 years, you have undoubtedly seen, firsthand, what we are discussing here. I recognize your plight, since survival at Countrywide depends on your showing your "loyalty" to The Execs through your willingness to get your hands dirty. All the Managers' hands are dirty, even the "nice guys." The Bianchi organization sets up the procedures that you have to follow, or you get ousted. You've seen it, time and time again; if you deny it, you're either stupid or one-and-the-same. It's too late to change; they already have you by the neck.



I AM STILL WITH COUNTRYWIDE. THEY'RE NOT FIRING ME, BECAUSE I'M SMART, PROFESSIONAL, DILIGENT, HARD-WORKING -- AND MOST IMPORTANTLY, I'VE BROUGHT ATTENTION TO THE CORRUPTION. I've never been fired from a job. I've never even had a disciplinary warning. I've never initiated any legal actions prior to my issues with Countrywide. I have a job with the biggest lender in the nation. I have "job security," if one believes in such a thing. I have a family who depends on me and feels every pain and stress that I feel. So, for me to fight a fight, it must be one that takes all of that into consideration. And, they owe me a TON of backpay-- that they cheated me out of!! It would be STUPID (and I think I've already told you that I'm not) for me to leave all of that behind.



The major reason why I cannot stay with Countrywide, is because of the illegal and ethical abuses that I've borne witness to -- and suffered, personally. To stay, forces me to be one of them. I will NEVER be one of them. I value my sleep too much.





What that company hides, and allows to happen, again and again, hurts innocent people!! I have pages and pages of documentation (because Countrywide execs are stupidly-arrogant) to support everything I state. I can't wait to produce it all.



(...Excuse me a monent, while I dance...)



I do not, by any stretch of the imagination, meet the qualifications for the job that they threw me into, following my boss' termination.



This is is the warning that I'm sending out to consumers: Countrywide bases job titles and security on everything BUT qualifications. Look at Bianchi, for God's sake. What a pathetic example of leadership: A self-promoting, criminal, wife-cheating, illiterate goon! If you went to his last seminar, you should know about the three VERY clear RESPA-illegal recommendations that he makes to all the loan officers.



WHAT ARE YOU SO AFRAID OF? Oh sigh -- I guess we'll just wait to see what comes out in the press.



Have a great day. Go Countryfried!

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

One more thing Mr. Manager.

Don't judge the morals of the people who come here.

We're just bringing up the facts.

Mad people because the truth hurts you are.

Such morals you have, as you lie to protect countrywide.

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

TO THE IDIOT WHO JUST POSTED THE PREVIOUS MESSAGE.



Just another pathetic goon in Countrywide's Management coming to countrywide's defense. You're not the one amused, but we are. You're just speaking out of fear, because you sense what I know what direction Countrywide will be headed.



Every thing I brought up in the previous posts about the underwriting department and the problems ARE FACTS. There's definately something wrong the them! AT LEAST 9 out of 10 AEs would agree with me. Myself and the Loan Officers did what we were suppose to. So your "assurance" that countrywide doesn't hire lousy underwriters is as good as a three dollar bill.



CW's Landsafe appraisal company is corrupt. Appraising properties at least $10K lower, as much as $40K lower than comps even when the home is in good condition? I and other AE's have seen it with our own eyes. If there's still a program left, it usually forces higher priced loans on the customer. That's how CW secretly steers customers into a higher/rate payment. Disguised predatory lending.



Also for you to judge the customers who aren't happy that come here? COUNTRYWIDE IS MISAPPLYING PAYMENTS. And when the customers are furnishing proof of payments, Countrywide is still not applying their payments, still not correcting the credit marks, forcing many people into wrong foreclosure. Read the posts again! THIS IS NOT THE FAULT OF CUSTOMERS, HAS NOTHING TO DO WITH THEIR MISMANAGEMENT OF FINANCES. THESE ARE COUNTRYWIDE ERRORS. ERRORS THAT COUNTRYWIDE TAKES NO RESPONSIBILITY ON.



And Countrywide is definately in the position to be sued! The inappropriate conduct the San Diego chick has experienced (how would you like to be in her shoes Mr. manager). Countrywide still breaking the law on overtime. Countrywide Full Spectrum is a big time predatory lender.



So good RIDDANCE to the likes of you, Mr. 10-yr Manager.

And you're confused sir.

The best thing for CW's competitors is to have us (former CHL employees) work for them.

Whether we stayed with Countrywide or not, your company is will be going down as it follows in Enron's footsteps.

What is also good for CW's competitors is FOR PEOPLE LIKE YOU TO STAY WHERE YOU ARE AT.



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Left: June 29, 2006 By: In:

I have look over this web site and find it very humorous. I have been with Countrywide for almost 10 ten years. I assure you they dont hire lousy underwriters, processors or loan officers. They only fire them.... everyone on this web site blames Countrywide for their lack of morals, financial management and in ability to handle themselves like adults. I guess it is easier to blame the corporation and not look at ourselves. Oh and yes of course maybe we can get some money out of a lawsuit. Good Luck and to the former employees Good riduance the best thing that could happen to Countrywide is for you to be working for our competition.



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Left: June 29, 2006 By: In:

Joe anderson was forced to resign at a corporate meetin. d. sanbol and b. hale joined forces to oust one of the few remaining good guys from the old guard at CHL. Anderson etc. were the guys who made the company elite, now the roaches are scurring in to rape once great, wonderful company.

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Left: June 29, 2006 By: In:

these guys are tripping out over the site, but my guy has it for 10 more years now!!!!!! hahahahahahaha



just think, a huge corp like CFC, scared of a website....what are they scared of???? THE TRUTH!!



When you have underwriting in the branch, family memebers who work for you, and deviation from Board Policies....it is clearly the easy road to riches, but also the easy road to having a lot of people pissed who wee violated by the operational structure developed to do more loans at any cost..



risk management 101- if you make more than you pay out in settlements, it is worth it, no morals, no ethics, etc etc..



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Left: June 29, 2006 By: In:

Anderson resigned, but was above Hale folks, so Hale could not have fired him....trouble brewing there big time....



legal department is nothing short of adding to the probs.



confirm, sambol and hale.

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Left: June 29, 2006 By: Countrywide Hater In: Everywhere

Someone, please confirm or deny firings of BH and DS. I think someone got confused. It's only Joe Anderson, right? Canned at a meeting led by David Sambol and Brian "Fat Bastard" Hale?

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Left: June 29, 2006 By: In:

hale sanbol

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Left: June 28, 2006 By: In:

who just got canned at Cwide? BH and DS????? is it Brian Hale? and who else....???? who is DS?

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Left: June 27, 2006 By: In:

Hey, talking about the CHL police monitoring this site. They had Georgia and Texas shut down because of all the nasty but true post about CHL.

The big, bad, biddy, baby, boys can't take the truth. CHL exec.s are such lame asses.

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Left: June 27, 2006 By: 008 In:

Yeah, when you click on the GA link, it takes a long time to upload. When I tried TX, it was taking forever, so I stopped. Probably a CHL IT guy in India sent the virus.

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Left: June 26, 2006 By: In:

Hey, talking about the CHL police monitoring this site. They had Georgia and Texas shut down because of all the nasty but true post about CHL.

The big, bad, biddy, baby, boys can't take the truth. CHL exec.s are such lame asses.

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Left: June 23, 2006 By: In:

right on!!!!!!

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Left: June 23, 2006 By: country fried chick In: san diego, ca

Bridgegirl: I wrote you the longest email I've ever seen. Talk soon!

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Left: June 23, 2006 By: In:

countryfried chcik, I have emailed you in return and hope to hear back from you..I see you have posted here yet not responded to the emailll...are you for reasl? I am and hope we can put are heads together regarding harrassment issues etc...



time will tell I guess.

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Left: June 23, 2006 By: country fried chick In: san diego, ca

The arbitratable part is disputable, at best. In 2002, The Ninth Circuit Court of Appeals ruled against CW's arbitration agreement, as it is made a condition of employment and the parties have unbalanced negotiating power. So, I understand that it depends on what issue you're disputing. You can find this published decision all over, online. Here is one link to it:

http://www.longlevit.com/updates/ELUpdate/ELU66.pdf#search='countrywide%20home%20loans%20sexual%20harassment'



Those of us who have disputable comp plans also have extenuating circumstances surrounding them. In my case, my boss paid me (very little, I might add) with personal checks (big no no!), with nothing in writing. Then he wrote something up, went outside of it, changed it, changed it again...After he was fired, HR drew up this cute little comp plan in addition to CW's standard for HLCs. It was a letter-type document that also said I was transferring to another branch and getting a "promotion (which I also protested)." I disputed it, on record, before, during and after. But they said if I didn't sign the entire agreement, I did not have a job. It's all on record. They also pulled some other stupid moves, in retalitation, which my attorney is dealing with.



The stuff recently added to this page makes me sick. It is what my gut has been telling me --and what I have seen evidence of -- about the power structure behind CW. I understand that Corporate America has underlying commonalities, but CW seems to have collected the worst of the worst. DISGUSTING.



My thoughts and good wishes are with the female BM who is taking on CW. For every one who stands up and fights, even more will begin to pay attention.

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Left: June 23, 2006 By: In:

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



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



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



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

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

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



I smell a list of lawsuits coming...



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



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



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



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



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







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

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



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



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



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



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



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



rock on

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Left: June 22, 2006 By: In:

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



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



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



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



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



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

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

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

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

Bridge girl:

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



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



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



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

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Left: June 22, 2006 By: bridgegirl24 In:

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



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



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



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



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



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



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



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



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



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



Hope you are well.



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

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



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



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



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



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



I can be emailed at countryfriedchick@hotmail.com

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Left: June 22, 2006 By: In:

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



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



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



Her compensation was also chaged etc...



Were you and EHLC for the JB Team?





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

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



Back to work. Go Countryfried!

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

Why, are you an area sales manager?

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Left: June 22, 2006 By: In:

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



Thank You

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

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



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



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









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

I am a Phoenix Girl and have similiar experiences.



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



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



I worked in San Diego for a long time.



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



Amazing.

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

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



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

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

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



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



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



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

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Left: June 20, 2006 By: In:

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



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

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Left: June 20, 2006 By: In:

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

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

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

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

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

I am currently employed by Countrywide and have recently experienced vile

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

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

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

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

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

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

the region in this forum.



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

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

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

human rights or suffering.



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

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

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

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

support it; it just needs to be put together.



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

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

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

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

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

Northwest Mortgage.



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

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

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

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

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

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

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

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

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

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

until it's done.



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Left: June 14, 2006 By: In:

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



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



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



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

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Left: June 13, 2006 By: In:

CHL = Enron

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

THIS IS IN RESPONSE TO "JOE D"



You don't seem to get it.



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



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



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

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

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



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



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



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



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



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



You will not keep others from reading the previous posts.

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

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...

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Left: June 09, 2006 By: Deb P. In: Mesa, AZ

I just learned a couple of days ago that I made money on a home in Missouri that Countrywide stated that I own!! Just how in the phuck is this possible since I have NEVER OWNED PROPERTY IN MISSOURI? When I sold my house in Kansas, the new owner got a loan thru Countrywide. When I sold the home in Kansas, some way, some how, the dip shits @ Countrywide changed my address from my Mesa, AZ address to an address on Booth Street in Kansas City, Missouri. When I moved, I gave the Post Office my new address in Mesa, AZ so that they could send me the escrow check. What do the bastards @ Countrywide do? They send the friggin check to the Booth Street address!! Then the asswipes @ Countrywide lied and told me they got the Booth Street address from the Post Office! I told the b*tch she was LYING!! She could NOT have gotten the Booth Street address fromt the Post Office since I NEVER GAVE THE BOOTH STREET ADDRESS TO THE Post Office. DAMN LIERS!! Phuck Countrywide! Hell will freeze over before I ever use Countrywide Home Loans!!



And now I've gotten a letter from the State of Missouri stating that I got a Form 1098 from Countrywide saying I made money on the Booth Street address in Kansas City, Missouri.

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Left: June 08, 2006 By: In:

Phuck Kuntryfried

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Left: June 07, 2006 By: Words of Wisdom In: Glendale

Stay away from CUNTrywide, and Full Rectum Lending.....

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Left: June 07, 2006 By: In:

Get out! If you think its bad from the inside just wait till you are free of those suckers and see how much your eyes open to see all their crap. There are lenders out there that appreciate their employees and customers unlike crappywide. Figure this way. Rip off profits keep the CEO tan man in his yellow ties and limos.

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Left: June 05, 2006 By: In:

Employee : CountryWide does Rip off customers and all of there call centers are sweat shops

( believe it) CountryWide does not care about there employees or there customers they will not waive late charges unless its countrywide fault,and you have to prove it! All the Hurricane victms ( they don't care) , they make fun of them ( Management) they tape record everything to save there ass's of lawsuits,Everday they give out new procedures On how to handle issues , employees are given scripts to read to customers ,If employees don't meet stats in 3 straight months their fired,Its all about the money, each employee has to bring in 600 payments every month for each call they have to be on 8 min and its on the next customer its like a assembly line. There closing down Lancaster site cause another site is opening in Arizona , its cheaper for them, they fire someone everyday they have been lieing to their employee about the whole thing! The women there in management only move up cause they had slept with someone there , always missing from there office ,taking long lunches Ha, Viola Sanchez and

Oscar c!!!!!! P>S India Site Sucks , they can't even speak english, but Countywide hires them cause it's CHEAP!!!!









But if you and your teammate get 3 wrong your opponent can decide if they want to keep playing or just end the game. But the winner goes on to save there skeleton.





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Left: June 05, 2006 By: In:

Employee : CountryWide does Rip off customers and all of there call centers are sweat shops

( believe it) CountryWide does not care about there employees or there customers they will not waive late charges unless its countrywide fault,and you have to prove it! All the Hurricane victms ( they don't care) , they make fun of them ( Management) they tape record everything to save there ass's of lawsuits,Everday they give out new procedures On how to handle issues , employees are given scripts to read to customers ,If employees don't meet stats in 3 straight months their fired,Its all about the money, each employee has to bring in 600 payments every month for each call they have to be on 8 min and its on the next customer its like a assembly line. There closing down Lancaster site cause another site is opening in Arizona , its cheaper for them, they fire someone everyday they have been lieing to their employee about the whole thing! The women there in management only move up cause they had slept with someone there , always missing from there office ,taking long lunches Ha, Viola Sanchez and

Oscar c!!!!!! P>S India Site Sucks , they can't even speak english, but Countywide hires them cause it's CHEAP!!!!









But if you and your teammate get 3 wrong your opponent can decide if they want to keep playing or just end the game. But the winner goes on to save there skeleton.





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Left: June 04, 2006 By: In:

OVETIME IS WAITING FOR



ANYONE WHO FILES IT!



THIS COMPANY SAVES



MORE THAN $1BILLION



BY NOT PAYING OVERTIME.



THE GOOD THING FOR THE



COMPANY IS THAT NO ONE



REALLY KNOWS THEY WERE



VIOLATED. THE COMPANY



IS AHEAD $1BILLION!!!!!!



BY NOT PAYING OVERTIME



PROPERLY NATIONWIDE,



SERIOUS FEDERAL LIABILITY.



COUNTRYWIDE CANNOT HIDE IN



ANY STATE AND CAN ONLY HOPE



A CLASS ACTION ISN"T TRIGGERED.





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Left: June 02, 2006 By: In:

Mortgage rates hit a 5 year high. Guess things wont be so easy for them now. Mike Matthews is an ass that runs good employees off rather than put up with his bullshit.

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Left: May 31, 2006 By: In:

yeah, the fricking pigs names are brian hale and dave sanbol. they have ruined what loeb/mozilo created. all good things must come to an end. too bad....it sucks

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Left: May 30, 2006 By: Truth Commision In: phoenix

FOR ALL THOSE WHO STILL BELIEVE COUNTRYWIDE STILL HAS GREAT CUSTOMER SERVICE...



For a long time Coutrywide USE to have excellent customer service.



However, Countrywide now has operations in India!! They do this now to cust costs because labor is obviously cheaper. Yes they speak English, but their English is still a language barrier. How do you think the communication will go with Countrywide's American customers?????



And once again, I will reemphasize on Countrywide's sorry computers. It causes so many discrepencies with customer accounts.



Obviously Countrywide has gotten so big, they think they can be more concerned about cost efficiency than its workforce AND its customers. They're now dependent on selling its name and the name's history to stay in businesss, not the things that made their name so great in the past.

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Left: May 29, 2006 By: In:

Anybody considering going to work at Chandler should spend 5 minutes in the smoking area to hear about all the bullshit that goes on inside.



Current employees are merely defending their paychecks by sticking up for the company when they know darn well how bad it is.



Countrywide controls the whole process thru their own landsafe company and inside processing. 60 day locks and extensions of locks needlessly overcharge borrowers and it is a rip off by Countrywide.



WORK SOMEPLACE ELSE

GET FINANACING SOMEPLACE ELSE.

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Left: May 21, 2006 By: Truth Commision In: Phoenix

THIS HERE IS A MUST READ FOR ALL PRO-COUNTRYWIDE AND ANTI-COUNTRYWIDE READERS.



Every mortgage company including Countrywide has problems.



Every mortgage company including Countrywide has delequent customers, but also makes lender errors in the posting of payments and other mistakes.



Every mortgage company has unhappy customers and unhappy employees.



So let's get the facts from someone who has worked there himself, such as I, who also resigned from Countrywide Full Spectrum to work for a different lender. Here you will see why Countrywide is having more and more unhappy employees AND customers.

I use to be an Account Executive (loan officer) at the offices in Chandler Arizona. When I was hired I was joyed because a loan officer is a good job, and Countrywide WAS a great company. However, Countrywide's FSL division in Chandler has a turnover rate of less than 6 MONTHS! Most significant factors are its Underwriting, Funding, possibly the title companies they use, definately Countrywide's own Landsafe Appraisal Co, and their computers.

Countrywide FSL has the most incompetent and inefficient underwriting department. At the time I submit the file with all the income docs to underwriting for approval, there is usually a long turnaround time of several days. By the time I hear from them again, they usually want more. So I call the borrower to get the ALL the new conditions faxed to me, I get them, and I resubmit EVERYTHING underwriting asks for back to them. There's another slow turnaround time, then when I hear from underwriting again, now they want new items. It's not unusual for Underwriting to have us send the file back and forth as many as 4 or 5 times. That is why the average loan in those offices takes 30-40 times to close and fund! This sharply reduces return customers and customer referals. Moreover, but the A/E experiences severe delays in getting paid. In the past Countrywide had been #1 in return customers, but now we are talking about the future.



Next, we dealt with incompetitant funding departments. I have had scheduled appointments with notaries for my borrowers, and none of them have been on time because the funding departments would take their time, and procrastinate in getting the docs out to the notary. I been with other mortgage companies, and I have never seen so many customers sign at 11:00 at night, as I have with Countrywide FSL. I don't know a single person (personally) who has ever signed late at night. My and other A/E's customers that signed that late were originally suppose to sign at 5PM, but if they didn't sign on that date, their loan would fund late, and it could affect their program. All I ever heard from my manager was excuses about this, and how he had customers sign that late when he was an A/E. He's not such a bad guy, he's just doing his job as a Countrywide manager defending this B/S. The most interesting case I had was when I had a customer scheduled to sign the day befor she was leaving the country. I requested the docs be send to the notary the day before she signed. It didn't happen. So I rescheduled the next day a few hours befor she was suppose to leave her house. What happenned? The funding department procrastinated long enough, where we ended up sending the notary to the airport. That is sad.



Briefly we can talk about the title companies, Countrwide's FSL processors use. My department uses LandAmerica. Every signal final HUD I have seen was incorrect. When I worked at a different mortgage company we used ServiceLink. I seldom saw incorrect final HUDS. When I told my processors this, they said ServiceLink. So maybe it's not title company errors?? It's another Countrywide problem?? It wouldn't surprise me.



Now it's important to talk about LANDSAFE, an appraisal company owned by Countrywide. Landsafe is extremely conservative. Over 90% of my and other A/E's property appraisals came in low. They general come in $10-20K lower than comparables, even if the subject home is in good condition. A low appraisal means a higher LTV(loan to value). This severely affects the customer's loan program by either raising the rate, requiring additional mortgage insurance, prohibiting us to pay off as many bills, or some combination of all the above. Most of time, this substantially reduces or eliminates the borrower benefites. Either the customers is now a victim of bait and switch, or the customer has no loan. Then the A/E suffers because he/she now has to resell the loan, or there is no loan to sell. LandSafe sets the road for Countrywide's secret bait and switch, and predatory lending in disguise.



Finally, Countrywide has the worst computers and computer systems. I have never seen my computer nor other A/E's computers freeze up as frequent as I have at Countrywide FSL. At other companies its seldome. At CW FSL it's the norm. Furthermore, the computers generally move very slow, and sometimes information gets erased on my applications. You would think with all the money Countrywide has, they could do better. Perhaps, that could explain why other folks on this website are complaining about payments not being posted and other problems? Maybe that's why I dealt with such a terrible underwriting and funding department? Because Countrywide has been to cheap to hire enough staff? This is an example of PURE STUPID GREED of Countrywide, and eventually this is going to catch up to them if it continues.



Study the life of an organization curve. Four stages are Introduction, growth, maturity, and decline. In 1969, Countrywide was in the Introduction stage. Ever since, it has long been in the growth stage, but it is nearing its maturity stage if it is not there already. If Countrywide continues to conduct itself in the same manner it has been lately, it won't be long before it starts sinking in the decline stage.





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Left: May 12, 2006 By: In:

why ? so you can get your $ 45 bucks?

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Left: May 12, 2006 By: Thomas Martin In: Washington. DC

Hi I have the National Mortgage Complaint Center & I want to talk to current of former employees about what could be equity striping. In the cases I have seen I see a borrower getting a Countrywide/Full Spectrum loan....with prepayment penalties & then the borrower starts getting what look like come on letters saying "we can get you instant cash, a lower interest rate, etc, with little or no mention of the prepay.



If as a consumer this happened to you I'd like to hear from you.

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Left: May 03, 2006 By: deb In: phoenix

I've had 2 Countrywide mortgages. Never had a problem with either one. Sold the house on one of them, no problems paying off the loan, no extra outrageous charges. No problem getting my escrow money returned. I LIKE Countrywide. I like getting monthly statements, rather than another loan I have who sends me a crappy payment book once a year and I have to use my own envelopes to send in the payment.

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Left: May 01, 2006 By: In:

If you are a drug user Countrywide is the employer of choice

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Left: April 30, 2006 By: In:

joe anderson ? why?

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Left: April 29, 2006 By: Mr. Fresh In: Near Tempe

Beware of working for countrywide. I was "Contracting" with them for just under 15 months. YES that says 15 months. I got paid less than my teams senior yet I did more work and knew more about our job than her. I WAS THE ONE THAT GOT LET GO!!! No advance notice, just a phone call from my agency telling me that they were told to let me go. No reasons given. If I had the time I would get into everything I have been through in the past year plus with them, but to have them let me go over someone who's sole job is to answer a phone and log faxes (who can't do that right) is un called for. I believe in Karma right now, and I am just waiting for the department that I worked for to fold or realize that they just let one of their best workers go, as well as me telling everyone I know to stay away from working with countrywide as well as refinancing/getting a loan through them.

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Left: April 27, 2006 By: MAI EXPOSER In: Phoenix

BEWARE OF MANAGEMENT ADVISORS INTERNATIONAL OR MAI.



Here's how there retainer's work.



1. you pay them to start the search.



2. 3 months down the line they come back and tell you they've exhausted your market and it's time to move on from the search.



3. you now have to pay them a closeout fee for them doing nothing.



4. if you hired a candidate outside of using their services, they will charge you the full fee because you was on retainer with them.



5. after you have paid them for doing nothing in one market, they will ask you for another retainer to start up a new market.



MAI is located in NC AND FL. Beware of who you do business with.





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Left: April 27, 2006 By: MAI EXPOSER In: Tempe, AZ

BEWARE OF MANAGEMENT ADVISORS INTERNATIONAL OR MAI.

Here's how there retainer's work.

1. you pay them to start the search.

2. 3 months down the line they come back and tell you they've exhausted your market and it's time to move on from the search.

3. you now have to pay them a closeout fee for them doing nothing.

4. if you hired a candidate outside of using their services, they will charge you the full fee because you was on retainer with them.

5. after you have paid them for doing nothing in one market, they will ask you for another retainer to start up a new market.

MAI is located in NC AND FL. Beware of who you do business with.

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Left: April 27, 2006 By: In:

Tina - countrywide would charge you a prepayment penalty even if you refinanced with them. How messed up is that? Greedy bastards.

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Left: April 26, 2006 By: In:

Oh the best is yet to come Jason. If you close the crappywide equity loan they hit you up for an early termination fee. Bet they didn't tell you about that either. Pay the loan off and let the account sit dormant. Call customer service and tell them to put you on the DO NOT SOLICIT list. That means no phone calls, no emails, no junk mail. It doesn't matter if you are on the National Do Not Call List because you are their customer their solicitors can call you.

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Left: April 25, 2006 By: jason In: Tucson

Countrywide did a bate and swith on me with a home equity line of credit. I agreed to 9.0 percent no monthly finance charge home equity line of credit. The loan was supposed to be a home equity line of credit. The documents I signed at closing are different than the ones given to me after signing. Meaning my copies reflect what I got. There copies are the ones that are accurate for what I originally agreed to. My copies explain how I got screwed. I didnt think to make sure they matched. They were alredy prepackaged for me. What I got is a 12.5% variable intrest rate not to exceed 18 percent. A monthly finance charge home equity loan arm type. Ohh and it cost me 500 dollers for the loan too! Now the creditors are calling me for 9.00 dollers past due finance charges. They told me I had 25 years to pay it off. What a bunch of liars! Iäm glad I only used 1500 of it. To bad it cost me 740 dollers to use it!

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Left: April 21, 2006 By: tina In: cottonwood

prepayment penalty of over 5500 dollars, charged by countrywide after the mortgage lender told me it would only be 981.00

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Left: April 19, 2006 By: In:

I had a great experiance using countrywide home loans.

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Left: April 11, 2006 By: In:

Can you blame them ? It is hard to support a family now at CHL. Although, brian hale sure seems to eat pretty good. The silver lining is that a human being can only handle 400 to 450lbs before a massive heart attack occurs.

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Left: April 11, 2006 By: In:

Scuttlebutt has it that those same PLCs at FS and B2C take leads outta the call center to other shops and make tons more on the side than the peanuts Brian Hale gives them.

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Left: April 09, 2006 By: In:

You are not refinancing with Countrywide Home Loans ( A - paper loans ). You working with their B/C paper department Full Spectrum. As a former employee, full spectrum is where I would send clients who did not fit the A-paper ( i.e. better rates, term, no prepay etc.). Please visit a site called www.msfraud.com. Then go to the forum section and look up a post of Nye Lavalle. Send him an e-mail 'cause he loves fighting this kind of bait (CHL) / switch (Full Spectrum) game. CHL used to be a great company until bad, greedy people got into certain VP positions. I left because i could not stomach watching a great company go into the gutters just for the stockholders. Enron, anyone?

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Left: March 23, 2006 By: Thomas Martin In: Los Angeles

Hi my name is M Thomas Martin & I have the National Mortgage Complaint Center. We are involved in a Countrywide Investigation involving minority or low income homeowners in California that refinance with Countrywide after what appears to be a come on letter suggesting they will get "1000s" of dollars with no credit report or appraisal. The borrower then appears to get stuck with a higher interest rate and a prepayment penalty. Then within weeks the borrower is getting more come on letters from Countrywide/Full Spectrum that say "we can get you thousands without a credit report or appraisal. It looks like this could be equity stripping. Do any of you former CW/FS employees know anything about this. Does the company realize its doing this to the consumers. Feel free to contact us on this or post your comments.

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Left: March 17, 2006 By: In:

http://www.ripoffreport.com/



search: countrywide



You will be appalled

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Left: March 16, 2006 By: In: California

I work for countrywide and the way they treat employees is wrong, Countrywide is always hiring people it's as if were cattle , Once your hired if your in collections Like I am , if you don't meet your maps ( collecting money) you"ll get fired, If your absent and have a doctors excuse your still given a incident if you get 5 incidents your fired , The position Im in is very stressful I have gone to my doctor and was ordered to stay home for 3 days because of health reasons from work , when I returned to work I gave them my doctors note and they still gave me an incident ,Im stressed in losing my job ,they now start demanding that we work weekends without prior notice ,and if we don't show up an incident is applied .

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Left: March 16, 2006 By: In: California

I work for countrywide and the way they treat employees is wrong, Countrywide is always hiring people it's as if were cattle , Once your hired if your in collections Like I am , if you don't meet your maps ( collecting money) you"ll get fired, If your absent and have a doctors excuse your still given a incident if you get 5 incidents your fired , The position Im in is very stressful I have gone to my doctor and was ordered to stay home for 3 days because of health reasons from work , when I returned to work I gave them my doctors note and they still gave me an incident ,Im stressed in losing my job ,they now start demanding that we work weekends without prior notice ,and if we don't show up an incident is applied .

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Left: March 16, 2006 By: Donald Grabbe In: Yuma

Countrywide is supposed to pay the insurance and taxes on my home. However, I keep having to pay these items myself. My homeowner policy cancelled on January 21, 2006 because the mortgage company did not pay it. I was refinancing my loan to get away from Countrywide and found out that I had no homeowner insurance. Dorothy Lewis at Countrywide told the Underwriter at my insurance company that she would overnight the payment to her on March 9, 2006. On March 16, 2006 the payment still had not been received. We have been unable to determine if the check was mailed on March 14, 2006 or March 15, 2006. Either way, the check was mailed regular mail to the overnight address for my insurance company. There is no one to receive regular mail at this address. I had to pay the insurance myself and wait for the mortgage company check to get there or not get there to get a refund. Regardless, I want away from this company's incompetent business practices. Don in Arizona

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Left: March 14, 2006 By: MAI HATER In: AZ

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.

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Left: March 12, 2006 By: In:

Countrywide sucks so bad the employees in Chandler have to do drugs on their lunch time to put up with the fuckers in management.



What's funny is they do a background check to hire but never drug test.



Hmmm . . . . maybe that's because the VPs are doing drugs too ? hmmm

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Left: March 04, 2006 By: Miriam Cronkhite In: phoenix

The following is a copy of an e-mail that was sent to Countrywide. The experience is not near what happened to the founder of this site, but it is still frustrating and I am being charged for funds that I still have not received.



Ms. Harris:



First I would like to say that I would like to be removed from any type of soliciting lists because I will consider phone calls and e-mails to sell additional service...harrassment.



In case you don't remember my case, let me review what has occurred with my home equity line of credit. As of Saturday March 4th I still do not have the funds available to me, well over 30 days from the day the loan was "locked in". It was described to me that at the beginning of that 30-day period the rate would be locked in. But the day before the signing, after weeks of negotiations, I find out the rate will be 11%--a signifigantly higher rate and something I would not even bother with had I not had so much of my valuable time into this. I did not want to start the process over with another lender. I was told that if the home was appraised for less that less amount would be available. In actuality there was no option for a lesser amount at a reasonable interest rate.



I still do not know if my Mastercard has been charged for the appraisal. First it was hand-written in the documents from Yvonne to send my credit card info, even though I had already given it to you. Then I was told it was charged. Then I was told it wasn't. Then I asked to be informed when I am being charged for the appraisal, along with the amount. I never was.



After signing on Saturday Feb 26th, I was told the funds would post in no less than three business days. But I had no idea if the signing agent had mailed it and if the papers had been received. I waited for several days, thinking Yvonne would contact me to tell me to expect my package with the funds. But she never called and I called her Friday. She did not know if I needed to sign for it, so I waited all day and went into work later. When I left at 4pm, it still had not arrived. Meanwhile, when I came home later it was just laying haphazardly on the ground outside my door--a package with all my personal info it and checks!



When I talked to Yvonne that day, she confirmed that I had chosen to have all the checks overnighted and to take the full amount on the remainder of the funds. The package I received from First American Title had a cover letter stating that all the checks were enclosed, listed seperately. But the check to me for over $26,000 was not there. Meanwhile the checks made out for my debts needed to go out today, as they are due, but I didn't want to overpay by sending another check. So they may be late, since I refuse to cash anything until someone tells me where my check for $26,000 is.



In addition, it was never made clear to me that once refunding the line of credit, how do I draw on it again??



The process has been long, painful and not at all a progressive move in my financial direction due to the ridiculous last-minute increase in the interest rate.



In addition I wonder why I would stay with Countrywide for my home loan, since it is obvious that customer satisfaction is not of value to this organization. I kick myself for not going through a bank, with a face to face person. It is at least a little harder to deceive when you are looking someone in the face.



My only consulation is that there are consumers all over the map who have had very negative experiences with Countrywide. I do not feel singled-out, but feel that many are treated much worse than I. I know that both you and Yvonne tried to make the process painless, but obviously people are undertrained. This website says it all. http://www.countrywidehomeloansucks.com/



If this company plans to stay in business, I would hope it starts paying attention to the needs of the consumer and the fact that we are educated enough to discourage people from having to suffer through a similar experience.



It would be nice if you could forward this to Yvonne and any management that might be interested in reading this. I will be posting on the complaint site as well. Also, I am a consumer reports journalist who doesn't have a huge readership, but I strive to keep my community informed. And I will be mentioning my experiences (and the website) in an article on refinancing.



I would expect that the remainder of my funds be wired to my account Monday, instead of sending another check, since this has proven to be an ineffective method. Also, I would like to know how to make future withdrawals from the line of credit once I have refunded the account.



Unfortunately, at this time, I will not pay the penalties to refinance my home loan through another lender and will not take the time to refinance another line of credit through another lender--so I am stuck. But I feel that Countrywide does have an obligation to explain to me where my funds are and why so much mis-information was given to me. It would be great to hear from a manager.



A very disappointed customer,



Miriam Cronkhite

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Left: March 02, 2006 By: toni In:

This is a stupid company that gets rid of it's best people because they go to lunch for too long (non VPs)

who cares?









No one can do what Countrywide can!

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Left: February 26, 2006 By: In:

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

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Left: February 13, 2006 By: In:

brian "fat ass " hale is destroying CHL. it is sick that this piece-o-shit can ruin one of the best mortgage banks in the country.

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Left: February 13, 2006 By: In:

what the F is wrong with Countrywide?

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Left: February 11, 2006 By: spell check, please In: woodland hills, ca

I stumbled across this website the other night. What a hoot!! Tried posting for California, but it won't let me. Former CHL employee here -- it is what it is ... I don't think that Countrywide is any different than any of the other big lenders - ie WAMU and Wells. Having worked at CHL, yes, we have severe customer service issues -- but so do the other lenders. So the grass is always greener. Most of the complaints that I've seen are against Retail/Full Spectrum Loan Officers - Seriously, what do you expect? They work out of CALL CENTERS. Most are young and hungry and are barely high school educated. These are not MBAs, people. Countrywide's biggest mistake has been to disregard their existing human capital-- I'm talking about the employees who have worked for Countrywide for 5+ years (many have been w/ the company for 10+ yrs). These are the people who came up when Angelo was very much active in day to day operations. These are the people who at their core understand that service is all we have. These are the people who tirelessly make it happen everyday, in every department. Now, management is looking to "grow market share" so the mucky-muckys go out and bring in outsiders - who have NO CLUE about the "Countrywide culture". So these mid level managers come in, have no clue, make no valuable impact on anything and then leave with their big fat signing bonuses when their contracts are up.

For all the disgrunted customers - I truly am sorry. It is frustrating. Here is the bank that helped you finance the American Dream and this has been your experience. Don't just blame Countrywide - look around. Look how many mortgage companies go under every year due to misrepresentation, scandal and lawsuits. More importantly, why on God's green earth would you allow yourself to let a telemarketer/mortgage loan officer do your loan??? Go to the bank directly. Know your rights. Ask around. BE AN INFORMED CONSUMER. Make your LO go over the GFE line by line. Make your LO walk you through the loan process - start to finish. ASK QUESTIONS. Usually people who feel "ripped off" somehow didn't read the fine print. ***And for all of you out there -- a "no point, no fee" loan will cost you more in the end: you end up with a higher rate and you can't write off a LO's rebate. Whereas if you bring in funds to pay your closing costs, you can write off the LO's origination fees.

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Left: February 07, 2006 By: In:

BOYCOTT HOME DEPOT!!!

February 3, 2006



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

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Left: February 05, 2006 By: In:

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

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Left: February 03, 2006 By: In:

NO ONE CAN LIE LIKE COUNTRYWIDE CAN



Homeowners need cash? Get a No-Closing Cost Home Equity loan only from Countrywide. 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.

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Left: February 03, 2006 By: In:

brian hale clogs toilets

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

Improper Home Charges



Read then File a complaint



www.zimmreed.com

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Left: January 31, 2006 By: Domini In: Glendale

Hi I just wanted to let everyone to know Countrywide home loan story. I have only been with this company(not by chioce mind you ,my loan was SOLD TO THEM)No, I don't work there or have I ever. 3 months ago my home went into forcloser. Yesterday was my sale date. I tried to save my home for 3 months!!!! Countrywide would not even cosider a payment plan with us!!! and because I could not come up with $7000 by 5:00pm yesterday. Excuse me... my childern are awake and I have to go tell them that we are homeless. Thank you CountryWide your number fucking 1!!!!!!!!!!!!!!!!!!!!!!!!!!!!

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Left: January 29, 2006 By: In:

NO ONE CAN LIE LIKE COUNTRYWIDE CAN



Homeowners need cash? Get a No-Closing Cost Home Equity loan only from Countrywide. 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.



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Left: January 28, 2006 By: C ROBERTS In: AZUMA

CW; THE KINGS OF "BAIT & SWITCH"; AS SOON AS WE GOT INTO THE LAST FURLONG, CW DECIDED I DIDN'T QUALIFY FOR A STRAIGHT 30 YR FIXED LOAN. SAID MY CREDIT WAS GOOD ENOUGH. SO, TO MAKE THE LOAN FLOST, THEY CONVEWRTED IT FORM A 30 YR FIXED TO A 30 YR FIXED WITH A 10K ARM PAYMENT PAYABLE WITHIN THE FIRST 10 YEARS OF THE NOTE. AND AT THAT POINT THE 5 3/4 & NOTE WOULD JUMP TO 10 3/4 % AS SOON AS I MADE THE FIRST PAYMENT.



BUYING A HOUSE OR REFINANCING ?????? THINK TWICE BEFORE YOU SELECT CW AS THE MORTAGE HOLDER. THEY ARE IN THE TOPS OF THE LIST OF COMPANIES THAT ARE TAKING THE PROPERTIES BACK FROM THE PEOPLE THAT HAVE PAID FOR YEARS ON THEIR HOUSE. THEY HAVE SEVERE COMPETITITON AMONGST THEIR EMPLOYEES TO MAKE QUOTA. AND THAT STATEMENT IS FROM ONE OF THEIR OWN THAT NO LONGER WORKS THERE. THEY DON'T GIVE A DAMN ABOUT YOU AND YOUR MONEY, ALL THEY WANT IS MORE.



THEY HAD THE AUDACITY TO ASK ME IF I WANTED TO REFINANCE AT 7 3/4 % WHICH IS A LOT HIGHER THAN THE 5 3/4 I AM NOW PAYING, TO GET RID OF THE ARM PAYMENT. WONDER WHAT THEY WOULD PULL AT THE LAST MINUTE IF I DECIDED TO GO WITH THEM.



IF YOU DEAL WITH THEM AFTER READING ALL THE HORROR STORIES; YOU BELONG TO THE LOLLY-POP CLUB: LOLLY-POP: CANDY ON A STICK WRAPPED OIN CELLOFANE; I.E. ALL DAY "SUCKER".

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Left: January 27, 2006 By: In:

Is little Kevin still working in Chandler?

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Left: January 27, 2006 By: In:

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



Left: January 27, 2006 By: In:

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

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Left: January 27, 2006 By: In:

yea, right...and how much in advertising $'s did chl have to spend in order to make this little list by this magazine ? keep on drinking the kool-aid.

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Left: January 27, 2006 By: In:

FORTUNE 100 BEST COMPANIES TO WORK FOR - 2006



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



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

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Left: January 26, 2006 By: In:

Thank you for contacting the Federal Citizen Information

Center.



Your message was forwarded to us for response from

the U.S. Department of Justice (DOJ).



We have received your message regarding Countrywide Home loans

of California.



If you wish to file a complaint against a mortgage or

finance company that does not fall under the purview of a

banking authority, there are several sources to consult.



You may first want to contact the Federal Trade Commission

(FTC) and file a complaint via telephone by calling toll-

free 877-FTC-HELP (877-382-4357). Representatives can be

reached Monday through Friday from 9 a.m. to 8 p.m. eastern

time.



In addition, within your state you can contact your local

consumer protection agency. To access a list of consumer

protection agencies, please visit:

http://www.consumeraction.gov/state.shtml



We hope you find this information helpful.



We are unable to accept replies sent to our mailbox. If you

have any additional questions, please call our National

Contact Center at 800)-FED-INFO (800-333-4636), Monday

through Friday from 8 a.m to 8 p.m eastern time, or visit

us on the web at http://answers.firstgov.gov/



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

Consumer Notice: Sweat shop Employees lookup www.gdblegal.com

Fee Overcharges Appraisals www.sherlocklegal.com

Wrong Doings www.jameshoyer.com

ripoffreport.com

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Left: January 16, 2006 By: In:

Ask Countrywide for an escrow analysis of your mortgage if they are withholding Taxes and Insurance. Arizona is a zero plus escrow account State. That means they cannot withhold extra 2 months of taxes and insurance legally. They will try because they are idiots and they make lots of interest on the impounded money. Contact Az State Banking or the Attorney General's office if you find them taking out too much escrow money.

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Left: January 06, 2006 By: KP In: Prescott

For two years, I have made an extra principal payment in March totalling my usual mortgage payment. This, to "buy down" the 30 year mortgage.



For two years, regardless the figure was entered in the "Additional Principal" box, Countrywide has applied the payment to the next month's usual mortgage payment.



The first time this happened, it took 20 mnutes on hold before I could resolve it and request that they apply it to principal ONLY.



The second tine this happened, I went to a local Countrywide office. The officer there dialed a direct number into Countrywide and I resolved it inside 5 minutes.



I imagine the same thing will happen this year. The officer also told me, "Oh, they never read the payment forms, they just enter the payment amount.



*sigh*

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Left: January 06, 2006 By: AJ In:

Is Kevin still fawking around in Chandler?



puke>>>>>>

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Left: December 29, 2005 By: In:

Foti investigating complaints against Calif. mortgage company

12/29/2005, 6:07 p.m. CT

The Associated Press



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



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



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



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



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



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





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

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Left: December 29, 2005 By: Kathy Medeiros In: Sierra Vista, AZ

I agree that Country Wide Home Loans is horrible. There are several reasons I believe this that I'll share. Our home loan was bought by Country Wide from our original broker, Long Realty. Once Country Wide had our loan, they added on charges for every payment we made. Further, it is nearly impossible to get ahold of a customer service agent through their 800 number. Lastly, when I went into a Country Wide office, the service rep was rude to me. While I was asking him questions he said "can I get a word in...will you let me talk!". It was hostile and unnecessary. I'm happy to say we refinances for a better rate with Wells Fargo and have great customer service and no hidden fees.



Kathy Medeiros

Sierra Vista, AZ

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Left: December 21, 2005 By: Mark In: Prescott AZ

You dipshit morons. If you did'nt want country-wide as your lender, than why did you choose them or a broker! Good credit individuals can do a little research and just walk into the bank..and BAM! done!



The owner of this site is a whining crock of crap.

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Left: December 20, 2005 By: In:

jimmy - you are SOOOO lost.

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Left: December 15, 2005 By: Jimmy Rogers In: Scottsdale Arizona

Readers:



I just wanted to write a quick note to inform the readers that Countrywide is one of the only legitimate Mortgage companies in the entire country. They are honest and tell you exactly what you are getting even if it makes your ears hurt. I had a bankruptcy and they helped me with a loan that lowered my payments and helped ease my overall monthly payments. If it wasn't for my loan officer Taylor Perkins who helped me save over $1000 dollars a month and let me sleep a little bit easier at night I would have lost my home. He works in the Phoenix office and he was a pleasure to work with, I wish that all the brokers out there could take a page out of this kids book. Not every thing you read on this website is true, just a bunch of disgruntled employees who couldn't hack it and feel it neccessary to bash a company that paid there bills. Furthermore, I know a bunch of different people who have voiced their opinion on this website andnever posted it. Thanks for your time.

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Left: December 15, 2005 By: Jimmy Rogers In: Scottsdale Arizona

Dear Countrywide sucks readers:





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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.

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

If you are a responsible citizen and have a truly legitimate gripe, then this comment is not for you.

Thank God for people like Michael Harmon, former CHL employees. Michael did not defend or discredit CHL. What he did do was offer to assist anyone needing help. Some of you adults are in financial trouble now because your parents never taught you anything. Now you are parents and not teaching your kids. If you can afford it, buy it, but don't try to keep up with the Jones'. Why are married couples each making 6 figure salaries, living paycheck to paycheck? Always got your hand out borrowing to payoff something. How 'bout this. Before you borrow another dime; cut your cable off, don't eat out for breakfast/lunch/dinner, stop smoking/drinking, cut back on cds/dvd's, stop buying every fad shirt/pants/shoes that hit the market, etc. You do this for 2-6 months and you will see the money that you worked hard for going into your bank account. Some of you have expensive cars, expensive homes and clothes, yet your children don't have a dime saved for them towards college.



To go off the subject - some of you send your children to school expecting the school system to teach them manners, how to read/write, that's your job!!!!!!!!!



No matter what color, race, religion, we all want the same things. When people try to give some of you knuckleheads good advice, take it. Stop waiting for Oprah to tell you what you already know is right. And stop making the excuse that your mom or dad never taught you.





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Left: November 30, 2005 By: Good Solid Customer In: Peoria, AZ

Paid off a home loan in full in June 2005. As of Nov 2005 CW is holding over $1,200 of our escrow funds and will not release it to us. Very very long story but we are getting HORRIBLE service and cannot find ANYONE who cares.

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Left: November 15, 2005 By: unfortunate customers everywhere In:

To upset employee-

We are all very sorry for the emotional damage we have caused you.

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Left: November 15, 2005 By: Upset Employee In: Phoenix AZ

I have read quite a few stories on this site, and I must say, if most comsumers did some research and had a clue what they are doing, most of this site would be empty.

Here are a few examples of BS stories posted, and my personal replies to easily fix the problems: "Countrywide keeps raising my payment" - Fisrt off, WE don't raise payments. Payments are adjusted based on the paperwork YOU signed, in front of a notary, at closing. If you signed an adjustable loan....guess what? that's right, its going to adjust. This adjustment is based on the index YOU chose, i.e LIBOR, MTA, etc. Watch the rates, and watch what you sign. As for taxes and insurance payments, that has to do with YOUR insurance company, and the county, we simply pay the bill as a courtesy to you.

As for the post on this page on the 23rd of October, the difference between what you owe, and what was paid, must be refunded to you. The difference in $$ between what you are getting and what you think you should get goes as follows; when you make you October payment, you are paying for interest accrued in September, so you payoff will be higher then your balance, it's called "simple interest". Also, per-diem interest (interest accrued daily on your account) so if the loan was paid off on October 15th, and you made your October 1 payment, you still owed interest from October 1-15. It is not legal for us to keep monies not owed to us. Do the math.

Let's try the post before that one, on October 13. Nicholai, did you think you didnt have a payment due since a statement didn't get sent out? Wouldn't common sense tell you that you have a payment due on the same day each month? Here are a few suggestions for the future. If you don't get a statement by the 1st of each month, CALL THE 800 NUMBER, GET THE PAYMENT ADDRESS AND ASK HOW MUCH YOUR PAYMENT IS. or... GO ONLINE AND LOG INTO YOUR ACCOUNT AND SET UP AUTO-PAYMENTS, that way, you won't need to look in the mail for your statement, we'll just debit it from your account each month, no hassels, no checks to write, no statemetns to look for.

We'll do one more..James, on September 6th; James, if you did a loan that needed 2 appraisals, that means one of two things, one, you had a Notice of Default for not making your payments for FOUR MONTHS, or two, you decided to do a no doc loan. If you did a no doc loan, i can only think it was because you couldn't prove any income, or you didnt make enough cash to qualify for a conventional loan. In either case, if you were getting cash out, why would it have made a difference if your credit card was charged, or if you were billed at closing? either way, its $300. Also, when you recieve a final settlement from a title company, your loan is complete, hence the term "final". This goes back to the first story, READ WHAT YOU ARE SIGNING, IF IT IS NOT CORRECT, DO NOT SIGN.

I hope I didn't come across as harsh on this, but after reading story after story of people bashing my company, most of which are upset because of their own mistakes, I get a little upset. Are there a few bad apples in our company? Yes. Are there a few situations where we screw up? Yes. I am a top producing account executive and I must tell you, 99% of my customers send me their friends and family as new customers. If we are so horrible, why would people to that? If we are such a terrible company, why do we have the highest number of return customers? If you would like to find a company that hides fees, or sells you outright lies, try to get a loan at your local broker shop or Ameriquest. Until you've dealt with people like that, do not bash one of the last honest mortgage companies in the country.



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Left: November 14, 2005 By: Connie Brown In: Sacramento

Racketeering Influence Corrupt Organization (RICO)



Countrywide Home Loan's, Inc. dba's American Wholesale Lender's, Landsafe, Full Spectrum, Texas Bank (Riverway), and Alaska US



CTC Real Estate Sevices is wholly owned by Countrywide Home Loans. (they handle all notices pretaining to foreclosure)



Countrywide Home Loans have their owned Title Company. (Landsafe Title)

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Left: November 03, 2005 By: LIVE WITH PASSION! 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!!!!!!

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Left: October 23, 2005 By: Headed for a crises In: Garden Grove Ca

I'm headed for trouble first off all cw must put down the crack pipe and refrain from any further use of narcotics.Can you even beleive these scumpuppies .First off i received my refund from

cw ,after being nice and paying my last months mortgae so i would not have a 30 day late on my credit. long story short cw subtracted the difference between my last payment and what the refi co paid them (for the same month) .so wish me luck in trying to convince these banksters that they owe me 2100 dollars.............lol the concerned so cal.

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Left: October 13, 2005 By: Nicholai Clark In: Phoenix

I've a home loan with Country wide, when I got a late charge fee I asked them to send the invoices on time, and the response I got from them was that the invoices were only a courtesy.



What a crock of shit.



Nicholai Clark

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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.



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Left: September 16, 2005 By: In:

Duhhh...I'm writing this veery slooowley...cause I know you can't read very fast...can I get a job with the pot heads at CW too?

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Left: September 14, 2005 By: In:

You are an uneducated piece of shit making generalizations like that.

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Left: September 12, 2005 By: Jack Mehoff In:

The best three years of a CW ASSociates life are the eight grade. Wow, thay are real fucktards!

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Left: September 10, 2005 By: Brittany In: Scottsdale

If you have a complaint file it with State Banking, they regulate Countrywide and all mortgage brokers/bankers.

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Left: September 09, 2005 By: In:

James you are a fucking moron.

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Left: September 06, 2005 By: James Garner In: Phoenix

I just completed a refi through Countrywide and was initially told that there would be no charge for the appraisal fee if the loan was completed thru closing. The loan officer said that a credit card was needed as if I backed out of the deal after the appraisal,I would be charged. He also guaranteed that no charges would be added to the card unless I backed out. After mulling over whether to proceed for several days and with calls and reassurances from the loan officer we relented and gave in. The same day that I gave him the card number the charge appeared to my account. When I called, complained, and demanded that the monies be credited back to my account I was told that at closing all charges would be reversed and that I would be reimbursed. You guessed it, when the closing finally came(I had been guaranteed 25 days or less and it took seven weeks)there was no reimbursement. When I stopped the transaction and started to cancel the deal, they agreed to make an addenum to the loan and readjust the costs. You guessed it, or maybe not, by the time that I recieved the final settlement copy from the Title company, the seventy two hours to rescind the deal had passed and what Countrywide did was add the cost to the loan amount so that my cash out would be greater. So what they have essentially done is have me pay for two appraisals and with interest to boot. In retrospect, about everything that I had been told by the loan officer had been either inaccurate or a lie. Needless to say, in addition to now having to go through RUN AROUND HELL trying to get reimbursed, I am now getting ready to refi again not only to get away from such a blood sucking company such as countrywide but also because consumers should not do business with any company that allows such unscruptious practices.

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Left: August 23, 2005 By: In:

They don't have control over what the appraiser charges. Sometimes it's more than $300. I've seen some offices eat the fee, however if the BM is an ass he'll demand the overage be charged to the borrower on the HUD. Valid point though. The AE should have told you up front that the appraisal may be more than $300. He/she is in the wrong on that one.

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Left: August 20, 2005 By: David Jennings In: Peoria

Countrywide's loan officer told us we needed to pay $300 in advance for the appraisal of our home before he would begin the loan process. This is a reasonable and customary fee for appraisals and it is normal to request such advance payment. However, during closing the itemized closing costs showed $180 charge for "appraisal". We disputed that saying we had already paid this appraisal fee in advance (which we did). They bacpeddled by saying the apprasial fee was actually $480 and they just charged us $300 of it up front. This is baloney. They never told us the charge was a partial payment for the appraisal. He simply said the fee was $300 for the appraisal. They refused to make the changes and insisted the deal be closed as is. We are filing formal complaints with several organizations about their unscrupulous business practices. We will also file complaints against the appraisal company "Landsafe" in California. Pleas elet me know if anyone else has been a victim of their "double-dipping" charges.

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Left: August 10, 2005 By: In:

E-Loan is what's called a coorespondant lender. They basicly pick the investor who is giving the lowest rate with the most premium to them. In this case the investor was Countrywide. E-Loan may fund the loan, but won't keep it very long as they ultimately get their funds from someone else. If you are going to do business with a company like that you can dictate who the investor will be upfront. However, you won't be able to predict who THAT lender will sell your loan to.

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Left: August 10, 2005 By: In:

Pat in North Carolina



I obtained an initial mortgage through ELOAN. Several months after my closing the note was sold to Countrywide. I continued to make regular payments at the amount that I had agreed to based on the terms of my original loan agreement. After a couple of months I receive a statement and the loan payment had increased approximately $125.00. I proceeded to call them and spoke to several customer service reps. The first two had no clue why the loan payment was raised. The next rep I spoke to proceeded to tell me how they needed to take a reserve as well as also increased my escrow holding to make sure all insurance and tax payments can be convered "for my own benefit" I was told....but when I asked them how it is that my PMI payment went from $198.00 to $311.00 no one could tell me why that is. I contacted my previous lender and even learned that the pmi holder is the same company. I see no reason how they could raise my PMI. I have since spoken to a supervisor who is suppose to call me back soon to let me know what is going on. Anyhow, if anyone has any advice I would welcome it. I use to be a loyal customer with this company as I have purchased several homes with them over the years, but have grown sour ever since. Especially after I realized they withhold much more than is necessary in escrow. This is an unscrupulous and unethical lender and I would never recommend them to anyone. Had it not been that ELOAN sold my loan I would not be doing business with them.

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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.

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

90 days from Countrywide? Unless you refi'd an existing loan and were already late, that's really not possible. You said a 90 notice. You got this in the mail or you checked your credit and a 90 popped up? I generally takes anywhere from 30-90 days for things to report on any of the 3 major bureaus as it is. It is possible that the credit bureau itself may have made a mistake. Things do happen. It's not unheard of for TU or Equifax to report something to the wrong social security number. After reading credit reports for 8 years believe me I've seen just about anything you can throw at me.

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Left: August 03, 2005 By: Gavin In: Phoenix

My loan was originated in January 2004. The first payment was March 1, 2004, which was paid on time. On FEBRUARY 2004, there was 90+ late payment notice. GO FIGURE, you CW MORON

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Left: July 31, 2005 By: In:

Where did you get such bs? I haven't seen any 90's on any CW customer's credit who wasn't 90 days late. Pay your damn payments and stop blaiming other people because you can't make a payment on time!!

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Left: July 29, 2005 By: Gavin In: Phoenix, AZ

For the folks using Countrywide mortgage loan:



Countrywide did it again. In recenr weeks, their computer had a glitch, so they inadventually reported 90+ late payment on millions accounts to all four creit reporting bureaus.



I just got my credit report which shows their is one time 90+ late payment on my account even though I have automatice bank deduction plan.



They said it take 60 days to fix it.





Check your credit report and call the damn company it their is a late payment record....

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Left: July 25, 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

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Left: June 29, 2005 By: Lee In: Atlanta, GA

I refinanced my home with a local credit union in May of 2003. Within 2 months they sold the loan to Countrywide. I immediately signed up for electronic direct payment (debit) from a separate bank checking account (not with Countrywide). That went "ok" until I started making extra monthly princpal payments to try to pay down the loan. They credited the extra prinicpal only payments as extra regularly monthly payments (interest + prinicipal). Each month I would have to call and spend 15+ minutes on the phone to try to get the charges reversed and the prinicipal posted correctly. Around the Nov-Dec timeframe of 2003 I noticed that even when I called & got the payment posted correctly--the interest calculation for the following month did not agree with the Quicken Financial Program or an Excel spreadsheet I created to track the loan. I talked with 5-6 people in customer service and finally someone inadvertantly admitted that they were not doing straight monthly compounding. I told them that I had not been notified of any change in the terms of the loan and I had not agreed to any. I related how that when they assumed the loan for the first 4-5 months they honored the original terms of the credit union with standard monthly componding, and that the same terms had been kept in effect the 4 other times this loan had been sold to different mortgage companies over the years. She said that a change had been made on to how to calculate interest on the outstanding balance based on the day in the month an extra prinicpal payment was posted to the account, and that there was a corporate decision not to notify customers. I have requested at least 10+ times (about half in writing) since November of 2003 to get the formula that is being used to calculate compounded interest. Everytime I have either been ignored or mailed an account report show all the errors with no expanation. As of this writing, they have had my loan for over 22 months and I have 18 charge reverals or due date adjustments. It took four 1098 statements to get a corrected one for the 2003 tax year, and as of this writing (6/29/05) I have not received a correct 1098 for the 2004 tax year. I filed for an extension on my taxes and have not filed teh final return for fear that it will trigger an IRS audit. I highly encourage anybody that has a Countrywide loan and has paid any extra principal to check their statement with a amortization program for accuracy. I'm not a legal expert, but I believe this has occurred to customers across the board and probably constitutes some type of "class action" lawsuit. If you have had a similiar experience email me at: lc_controls@yahoo.com

If you don't have access to amortization calculator, I created a simple one in an Excel spreadsheet that I can email you.

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Left: June 26, 2005 By: David In: Texas

Note to C. Allman in Paradise Valley...



Your post was interesting, and right on the money. I've had several occasions to deal with different people in different departments and locations with Countrywide and I noticed the same darn thing: nobody knows what anyone else is doing.



The department heads at Countrywide couldn't make a damn grease sandwich or organize a one-car parade. I got so many different answers, different dates, different figures from various Countrywide departments that I finally just gave up and went straight to the "office of the president" at Countrywide and told them to fix their internal mess.



Know what's REALLY sad? There's more than one employee in the "president's office" and even THEY couldn't agree with each other!



What a screwed up place. Avoid them at all cost!

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Left: June 17, 2005 By: Lance In: Austin

Here's the bottom line on talking with ANYBODY from Countrywide on the phone: get everything in writing from them. EVERYTHING IN WRITING.

I know this sounds cynical, but there are too many people at Countrywide that give out too many conflicting answers and too much wrong information.

Getting a straight answer from the people at Countrywide is almost as bad as getting a straight answer from the IRS. And that's damn near impossible.







If you don't yet have a loan with Countrywide, AVOID THEM no matter what. If you are getting a loan from another company, good for you but remember this: WRITE INTO YOUR CONTRACT THAT YOUR LOAN IS NEVER TO BE SOLD TO OR SERVICED BY COUNTRYWIDE.



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Left: June 11, 2005 By: Arizona Mortgage Broker In: Arizona and most of the United States

I agree with "Countrywide Doesn't suck." As an experienced Mortgage Lender and Broker. I do not work for Countrywide but many of you may not be aware that MANY MANY MANY BROKERS sell and fund Countrywides loans. I am employed by one of Arizonas Largest Lender/Broker and our Banked loans we sell are mostly of our private labeled Countrywide loans. I will say you can MOST DEFINATLY speak with a bad seed. I doubt Countrywide goes around saying they are PERFECT do they? They are large and offer great programs as do many others. Bottom line is if you get a good lender, you will have an easy smooth time getting the home funded. I say again, I do not work for Countrywide and I can't tell you how many loans we have done the same thing to in our branch and company as a whole. It happens when you deal with someone who doesn't know the loans and doesn'tack when something needs to get done. Good luck to you but I would strongly consider at least calling your local branch to see what they can do. I say that because I am friends with someone who works there and when I asked their fees, points, rates and turn times, my jaw hit the desk because no way could I do a loan for that cheap or fast. I have to charge points and fees and broker fees if I don't bank it and they can do this because they deal in volume. If you want to pay more in interest and fees BUT want more personalized attention then go pay 3 points to a broker. Good luck to everyone and its too bad I can publish my number for anyone who needs a good loan. Hey I wonder what the charges would be to place an add on this site?? Wow what a great way to gather customers, going after ones Countrywide messed up on.

Maybe I will start another hate site.

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Left: June 09, 2005 By: Jan McClellan In: Chandler

Recently there was a piece in the East Valley Tribune touting the Valley's anticipation of CHL opening a branch in this area resulting in several hundred new jobs. Thank you! for the warning about these crooks. I will definitely not apply. Now to the task of switching my mortgage (which CHL bought without my knowledge) to another lender.





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Left: June 02, 2005 By: MATT In: AZ

After 4 months (8 phone calls) of trying to get my correct address on my heloc checks, CW finally told me, "Use the checks with the incorrect address we don't know how to get it changed." What a bunch of morons!!! I think the best 3 years of a CW employee is the seventh grade!!

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Left: May 27, 2005 By: KD In: Phoenix

Countrywide has been lying to me about the status of my loan for the past three weeks. Every few days they call to ask for the "last" piece of paper they need for my loan. I just lost the house of my dreams because Countrywide FU my loan after telling me that they would have no problem. Anyone know a good lawyer?

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Left: May 23, 2005 By: Loan Consultant In: Glendale

To Hal:



You stated you used an broker and they fees were higher. Brokers can submit loans to banks on the wholesale side and SAVE YOU MONEY! And not all banks offer every loan program so sometimes it is in the best interest of the customer to broker out and get the the best rate/fees!

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Left: May 23, 2005 By: LO In: Phoenix

I am a loan officer. My client wanted to transfer their refi to me so I called Countrywide and they refused to release the file even after I had a letter signed by the borrower.



Also, I figured out the rate and program and estimated Countrywide charging 3 pts on the back.



And, retail solicts customers from leads on the wholesale side.

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Left: May 19, 2005 By: In: Scottsdale

Thank you so much for this website. Our realtor recommended Countrywide so strongly that we went to them for our mortgage. If you think Countrywide is bad, try going to a realtor who works hand-in-hand with Countrywide. Countrywide gave us an interest rate upon which we based our offer. As soon as the offer was accepted, Countrywide upped the interest rate so much that we knew we could no longer afford the house, but we had signed an offer to purchase that allowed that rate of interest (on the advice of Countrywide, who said it didn't really mean we would ever have to pay that higher rate, it was just something to put on the offer). So, we went to a bank, and they offered us a much lower rate. The bank called the realtor to start the loan process. The realtor turned around and called Countrywide, who then called us, to offer us a much, much better rate. Okay. But then, Countrywide wouldn't move. Not even an application to start the loan process. Each time I called they tap-danced about computers and "in the system," etc. We had no application, no written estimate, nothing. Twelve days before closing I called our local bank in a panic. They were able to do the loan at that interest rate and cut Countrywide out completely. They said if we had waited a couple more days it would have been too late. We believe that Countrywide was holding out until we had no other options before they would give us a loan, and the terms of it would have been at their pleasure.

THEN, we found out our realtor had not disclosed an encroachment. This alone could have been a deal-breaker, but we wanted the property so we worked out a deal with the man who owned the property on whom we were encroaching. We also got an attorney, and asked him to take over the closing, which we had been planning to do at the realtor's office. WELLLLLL---Here it gets fun. Countrywide and our realtor had worked into the purchase all sorts of "creative financing," so that we, the buyers, would be credited with approximately $3,500 at the closing, which would have been at the realtor's office, where we wouldn't have known what the hell he was doing with the money. But our lawyer and our bank did exactly that; they credited us with the $3,500. In fact, they ran out of places to credit us, so the seller ended up writing us a personal check for the balance. Our realtor was shocked when he found this out at closing. We had to stay an hour while everyone in his office and the lawyer's office looked for money, calculators clicking, pages flying. The realtor went outside and talked on his cell phone. We overhead him shout, "Well then we're screwed!" I kid you not! At another point in this comedy our lawyer asked him, "Well, where's the earnest money? I don't have it. Do you have it?" And the realtor said, distractedly, "Well yes, I have it, but…." and went back to playing with his calculator.

The way it finally turned out for us was beautiful. The seller actually ended up paying for part of our down payment, but it didn't cost him anything because Countrywide had him raise the asking price in order to credit us, in order to be able to get their thousands at closing. We paid NO FEES whatsoever, and walked away with a small check to the good. The seller paid a very low commission to the realtor (because the realtor quoted him a small commission, apparently because he, the realtor, was going to get a cut of the "creative financing" done by Countrywide at closing.) Watching this comedy of errors was truly enjoyable; however, it followed a month of anxiety and fear. I don't recommend Countrywide to anyone. And if your realtor recommends them, please be warned.



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Left: May 05, 2005 By: C. Allman In: Paradise Valley

My loan has been removed by auto-pay system twice. This bizarre action has been for no reason. They inform me of this when it is too late to remove late charges. I spend 2 hours a month on the phone with these people. I am an investor with 6 mortgages and don't have time for their mistakes. I hate Countrywide. Countrywide's departments never have any knowledge of what the other departments are doing. They are nonsensical! They send me conflicting letters and expect me to deal with their mistakes or lose my credit. I WILL NEVER USE THEM AGAIN!!!!!!!! I will write this on every loan app. for the rest of my life! "THIS LOAN MAY NOT BE SOLD TO COUNTRYWIDE!"

---C. Allman 602-953-7853

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Left: April 22, 2005 By: Hal In: Tempe

I have been a Countrywide customer for over 20 years and have been very satisfied. I used a broker once in those twenty years and the fees were much higher and the service unsatisfactory. In fact, two months after I executed the loan, it was sold to Countrywide and it was smooth sailing afterword.

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Left: April 10, 2005 By: ha In: haha

country wide sucks hahahahaha

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Left: March 09, 2005 By: Jaman Swearingen In: Scottsdale

These pricks kept me on the phone for 15 goddamn minutes when I tried to get my loan number. After the 5th time of me asking for my loan number and recieving the 5th "in a moment" I asked for his supervisor. He put me on hold then came back on and said his supervisor was out of the office but that he would send me to his voicemail. So I said gimme my loan number and then voicemail, he said since I asked for his supervisor he wasn't allowed to talk to me anymore and sent me to his voicemail.

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Left: February 27, 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!





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Left: February 23, 2005 By: Jeff Lee In: Lake Havasu

Rick, I am a loan consultant and can tell you this is something I know for a 100% fact because it has happened to me and many of my co-workers: Countrywide took 1 month to send your payoff demand after you ordered it because in the meantime while you thought you were just waiting on the demand, their retail division has access to those orders and will contact the borrower (their current client that they do not want to lose) and low ball them on the same rate you offered them but with NO CLOSING COSTS or APPRAISAL so they say. If you are a loan officer and in the process of a refinance where the loan is currently owned by countrywide I highly suggest you inform your borrowers that they will be contacted by them with a lowball quote just to keep them as a customer but it is not true and they will just end up losing a good deal through you. COUNTRYWIDE HOME LOANS truely does suck and they are crooks. Whoever started this site is a genius and should be awarded with a medal of honor for letting customers and borrowers give feedback of such a horrible company. Never obtain a loan through them unless you want to get ripped off!!!

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Left: December 01, 2004 By: RICK In: HUNTINGTON BEACH

IM A LOAN OFFICER FOR A BROKER FIRM AND I HATE COUNTRY WIDE HOME LOANS. IM IN THE PROCESS OF A REFI WITH A CLINET AND ITS TAKEN THEM ALMOST A MONTH TO RELEASE MY PAYOFF DEMAND! THEY TAKE THERE SWEET TIME ON DOIN ANY WORK AT ALL. GOOD THING I HAVE GOOD REPORE WITH MY BORROWER OR ELSE I WOYULD OF LOST THIS DEAL! COUNTRY WIDE YOU SUCK!

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Left: December 01, 2004 By: Very Dissatisfied Customer In: Phoenix

Countrywide charged me $10 for a County Recorder's Fee in July/August 2004 - supposedly to file a "satisfaction of mortgage," or as the County Recorder's Office calls it "the Deed of Release," for paying off my mortgage. It is now 4 months later, and they still have NOT filed the paperwork. I couldn't sell my house if I wanted to, because I supposedly don't even own it!!! The WITCH I spoke with last night in the customer service dept. told me that I received a deed when I bought my house and that's all I need. Then she told me in a very condescending tone that I've called them 4 or 5 times and obviously don't understand what they're telling me, so hold on and you can speak to my supervisor. HUH???? I called the first time to see if they got my payoff check; the second time to alert them that they posted it wrong and were showing I owed more money; the third time to say I had just come from the County Recorder's Office and they had nothing from Countrywide filed showing I paid off the mortgage; and the fourth time to say that the 3rd time I called I was told they had "forgotten" to file the paperwork and to re-check in a "couple of weeks". I actually waited over a month, went down again yesterday to the County Recorder's Office to check again, and still no paperwork. Countrywide was quick enough to charge me the $10, and they got my money for the house, so where is the proof that I own my home???? Would you walk into a store, purchase something, and let them tell you they'll send you the receipt in a "couple of weeks"? I don't think so!!!

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Left: November 19, 2004 By: Countrwide Doesnt Suck In: Arizona

All you people are Nuts! This website was probably created by a Mortgage Broker that cant seem to drum up business on his own, so he has to try to convince the public to go with him. Thats why he has all of these links to other mortgage companies. Buyer Beware I would be concerned that the creator of this website is trying to scam you!

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Left: November 09, 2004 By: This is friggin Nuts In: Nowhereville

To Kevin Rivers:



Dude, just send them one payment a month. Why are you sending them in Bi-weekly anyway. Friggin open a bank account and save the money that you would make for the first payment and add it to the next one......damn people...this site is full of people whining about bullshit. Read your contract and follow it. Don't send partial payments month after month after month. Do your own budgeting....people like you shouldn't even own a house in the first place.

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Left: October 28, 2004 By: Customer In:

A satisfied customer writes in...I've received my 1st mortgage loan with Countrywide and later refinanced with them. I'm considering refinancing again for divorce reasons, but after a problem marriage, I would like to alleviate refinancing catastrophes. You definitely have given me something to think about. The big giant doesn't really need the average persons business. Yes, I also, had small problems with late fees , but I assumed that this is INDUSTRY STANDARDS to raise profits/revenue off U.S. mailing errors or payroll deposits late by hours, a day, etc.... I really do understand late fees for people who are 30 days or more late. But one date late or Countrywide processing late cause late fees. My overall experience has been good. I hope they wake up and realize that customers come first whether large acct... or small acct...



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Left: October 28, 2004 By: Customer In:

A satisfied customer writes in...I've received my 1st mortgage loan with Countrywide and later refinanced with them. I'm considering refinancing again for divorce reasons, but after a problem marriage, I would like to alleviate refinancing catastrophes. You definitely have given me something to think about. The big giant doesn't really need the average persons business. Yes, I also, had small problems with late fees , but I assumed that this is INDUSTRY STANDARDS to raise profits/revenue off U.S. mailing errors or payroll deposits late by hours, a day, etc.... I really do understand late fees for people who are 30 days or more late. But one date late or Countrywide processing late cause late fees. My overall experience has been good. I hope they wake up and realize that customers come first whether large acct... or small acct...



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Left: October 28, 2004 By: Customer In:

A satisfied customer writes in...I've received my 1st mortgage loan with Countrywide and later refinanced with them. I'm considering refinancing again for divorce reasons, but after a problem marriage, I would like to alleviate refinancing catastrophes. You definitely have given me something to think about. The big giant doesn't really need the average persons business. Yes, I also, had small problems with late fees , but I assumed that this is INDUSTRY STANDARDS to raise profits/revenue off U.S. mailing errors or payroll deposits late by hours, a day, etc.... I really do understand late fees for people who are 30 days or more late. But one date late or Countrywide processing late cause late fees. My overall experience has been good. I hope they wake up and realize that customers come first whether large acct... or small acct...



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Left: October 28, 2004 By: Dave In: Denver

Need A Home Loan AZ, 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. If you don't have the lowest loan rate, We can Reffer you to Arizona lenders that will do a search of Mortgage brokers that will ensure your loans are best for you and have no hiden fee's.

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Left: October 22, 2004 By: Mark Grzesczuk In: Las Vegas

If you are interested in ELIMINATING your mortgage with Countrywide or any other lender for that matter feel free to contact me. 100% success. Own your home free and clear in 45-60 days. Go to: http://www.mortgagegone4ever.com



or call me at 702-309-6392



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Left: September 18, 2004 By: kevin rivers In: phoenix

Like most of you, I have the same problems. Mainly with late charges because of paying bi-weekly. As you know they say they do not accept partial payments unless you are on a pay plan. In my situation, I have a ARM loan. They say this diqualifies me from the pay-plan/26. So I have been sending my payments by check bi-weekly. Now because my second check says a certain amount they assume it is a partial payment and charges a late fee, even though the first check was credited and used for payments. Today I found that I have figured out their system problem. Yesterday they credited me back the late fees, however, because they put it in as a payment I was charged another late fee becuase this "payment" was done after the grace period. In my opinion their system is 20 years behind times. I have lodged a complaint with an attorney and hopefully this company and their system will be dealt with in a class action suit. Thanks for your ear.




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*Some of the information on this Web site has been provided by external sources. Neither countrywidehomeloansucks.com nor its Webmaster is responsible for the accuracy, reliability, or currency of the information submitted by any third party. All stories posted are intended to be general information only and not to be construed as a recommendation on selecting a mortgage lender in Arizona or any other state

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Left: August 12, 2006 By: In:

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

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


BYE BYE PIGGY BRIAN HALE HAHAHA

Left: August 11, 2006 By: In:



Left: August 06, 2006 By: In:

chl is no good

Left: August 04, 2006 By: In:

megan fink is a fat ass who licks john bianchi to get promoted in my eyes...and my eyes see a big fat cow who has had plastic surgeries to try and fit into airplane seats...I think she was charged double seats from 2001-2006, costly for such a BIG cow!

Left: July 25, 2006 By: Countrywide Hater In: Everywhere

I think you're right. The company won't investigate Bianchi becaues they have a pretty clear indication of what can of worms will open. It's o.k. When enough heat gets put on the investigating entities (and we'll make sure it does), they'll have no choice but to look into it. Handcuffs are comin' . . .

Will Fink's fat ass fit into the backseat of a police car? They might have to bring the paddy wagon. Prison orange is soooo becoming.

Left: July 25, 2006 By: In:

the company will not investigate Bianchi becuase they know what they will find.

Left: July 21, 2006 By: In:

Do not report or complain to the company on house, always go to the press or an atorney, both, report the fraud and service issues to outside govt agencies. bridgegirl1974@yahoo.com

Left: July 20, 2006 By: In:

Employees calling HR Central now get a phone call
answered by some twit in India.
Deal with it.

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

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

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

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

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

We'll be the last ones laughing, Countryfried!

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

Left: July 18, 2006 By: In:

countrywide cover fraud and hides things from the public, if you go to the press and government agencies it is the best case for you if you are a employee or customer violated.

Left: July 18, 2006 By: Your Mama In: Loserville

do you know what REALLY sucks
about all of this?
CHL USED to have the BEST
platform for delivering
a fair and competitve
mortgage for the consumer.
CHL was also fair to the
LO and the branch. all
because of LOEB/MOZILLO's
mortgage model. They got it!
Then Loeb passed away, Mozillo
lost his edge and got swayed by
the young, greedy, punks Dave Sanbol
and Brian "Fat Ass Cardiac Arrest"
Hale. These two pigs have driven out
the people who made this ONCE great
mortgage lender into the dirt,,,all
for the F.....stockholder's cash in greed.
Well....cash in pussy boys 'cause your
frickin days are numbered. Wells Fargo
is sitting on the sideline just waiting
to punch your lilly ass into oblivion. Too
bad these fucks have made off with the
golden goose and now have made what Loeb/Mozillo
created look like crap. Oh well, at least
Mozillo's kids, and do nothing son-in-law
don't have to work ever again. Angelo could have left a dynasty/legend in the mortgage banking business but instead he suckered in for the
cash. Too bad, 'cause no will remember how much cash angelo made but everyone will remember the lives he fucked up at the end. tisk tisk bitch!!!!

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 12, 2006 By: In:

file for overtime and go to the press about this company and the violations they do to you.....do not give the company the opportunity to keep it hushed!

Left: July 12, 2006 By: In:

Countrywide is a predatory lender that cons senior
citizens into pay option arm loans and gets borrowers to
refinance into combo loans when all they need is a
fixed rate second mortgage with lower fees than a whole refinance.

Get this too - they make borrowers use their in
house *third party* affiliate Landsafe, generating
even more money for Countrywide Financial.

Left: July 11, 2006 By: In:

Megan Fink is a criminal fat cow who cannot get any dik, she tried to Fuk her subordinate Dana Copeland yet he ran for the hills, yet accepted the job in San Marcos..Fink cannot fit in her little lexus, funny how fat asses like small cars...dum fat ass bioootcch. She is going down for her criminal ways, soon , very soon.

Left: July 11, 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 11, 2006 By: In:

Countrywide rips off its Loan Consultants by not
paying them for loans closed during the last month
of employment by witholding the pay for 30 days
after they leave. Countrywide keeps it.

Then they give the active loans being processed in the former employees
pipeline to their cronies to get paid on.

Left: July 09, 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 09, 2006 By: In:

Crappywides rates are so bad they wont
even list them on their own website so you can compare & shop.

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: In:

Countrywide is the most criminal bunch of scumbags there is, read there $30 mil settlement, they are the cancer of this nation and next to Enron and Ameriquest, are the biggest bunch of f-ing scum that exists!!!!

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

Countrywide can pay a hacker to empty the postings on this site, but they rob their employees every day!!! Nice priorities.

Left: July 03, 2006 By: In:

25 people lining up to tell the truth of bianchi and fink operations and business

Left: July 03, 2006 By: In:

fink the cow!!!!

Left: July 01, 2006 By: In:

yo yo yo!

Left: July 01, 2006 By: In:

go to illinois page to read cali stuff, they shut this down

Left: July 01, 2006 By: In:

Califonria past posts!!!!! hahahaha they can't erase them.


Left: June 18, 2006 By: In:

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

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Left: June 16, 2006 By: In:

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



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



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



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



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

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Left: June 14, 2006 By: In:

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

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Left: June 14, 2006 By: In:

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



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



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



Nothing but a recipe for fraud fraud fraud.

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Left: June 13, 2006 By: In:

CHL = Enron

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Left: June 12, 2006 By: In:

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

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Left: June 09, 2006 By: In:

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



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

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Left: June 08, 2006 By: In:

Phuck Kuntryfried

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

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

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Left: May 15, 2006 By: In:

Look, if you were an employee of this

criminal company, whether a salried or a commissioned employee AND you did your work

from the office or home at least 50% of the

time, you are owed time and a half in overtime for every hour worked over 40 hours in a week.



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



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



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



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



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



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



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





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Left: May 15, 2006 By: In:

What about all the holidays we never got because they

were on the weekend or scheduled day off?

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Left: May 12, 2006 By: In:

OVETIME IS WAITING FOR

ANYONE WHO FILES IT!

THIS COMPANY SAVES

MORE THAN $1BILLION

BY NOT PAYING OVERTIME.

THE GOOD THING FOR THE

COMPANY IS THAT NO ONE

REALLY KNOWS THEY WERE

VIOLATED. THE COMPANY

IS AHEAD $1BILLION!!!!!!

BY NOT PAYING OVERTIME

PROPERLY NATIONWIDE,

SERIOUS FEDERAL LIABILITY.

COUNTRYWIDE CANNOT HIDE IN

ANY STATE AND CAN ONLY HOPE

A CLASS ACTION ISN"T TRIGGERED.



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Left: May 12, 2006 By: In:

ALL SHOULD FILE FOR OVERTIME

IF YOU WORKED AT COUNTRYWIDE



do you mean the company offers

to pay half the rate? OR are you

referring to:



Arizona does not have a minimum wage

or an overtime law. If the employer

is covered by the Fair Labor Standards

Act, the federal minimum wage and

overtime laws apply. For information

on the Federal minimum wage and

overtime laws, contact the Federal

Wage and Hour Division

at www.wagehour.dol.gov .



This does not eliminate the

federal requirements of Countrwide

and offers of half the wage is against

the law as referenced below:



Fact Sheet #23: Overtime Pay Requirements

of the FLSA:



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



Characteristics

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



Requirements

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



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



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



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



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



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



Back to Top

Typical Problems

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



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



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



Where to Obtain Additional Information

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









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Left: May 11, 2006 By: In:

In Arizona they pay for overtime but it's

not time and a half. You get paid half the pay of your regular hourly rate. I kid you not!

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Left: May 08, 2006 By: In:

wow, i had no idea i

could get paid for

overtime. nice the company

has 20,000 originators, are

all of them classified as exempt?

what about the processing and support

staff, I know they don't get paid overtime

here in socal. billions of $'s is at risk..

truth!

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

SERIOUS NOTICE-



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



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



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



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



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



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



TAKE THE FACT THAT ALMOST ALL HLC'S FOR THE COMPANY WORK 55+ HOURS WEEKLY FOR TWO YEARS WOULD BE OWED...104 MONTHS (2YEARS) X'S 15 HOURS

X'S $144 (TIME AND A HALF RATE)

='S

$224,640!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!



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



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



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



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



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

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

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

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

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Left: May 01, 2006 By: In:

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

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Left: April 29, 2006 By: In:

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



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



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

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Left: April 28, 2006 By: In:

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

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

As a former employee of Crappywide I wish I would have came across this site before accepting a job with the worst mortgage company in the world! The management is incompitent and the employees who acctually care for the customers are systematicly removed from the company. The process of becoming one of these managers involves either sleeping with another manager or being the best friend of their spouses! Micro managing is putting it mildly! Our manager went to the extent of trying to get two way mirrors installed on his doors so that he could watch employees with out him being seen!

We were told that we were not to turn around in our seats to even ask a fellow co-worker a question! I experienced a lot of shady things when working customer service. The corporate credit card was used to buy things not related to CHL in ANYWAY. Administrative assistants were sent to go buy shoes and clothing while on the payroll! Sexual harassment runs rampant and I had several women I worked with who were aproached by my manager for sexual favors outside of work (so that it would not be traceable and it would come down to their word against his) many tried to leave the dept. so that the constant badgering and mistreatment (if you said no) would stop, unfortunately your manager must approve that transfer! I and most of my co-workers were subject to mandatory overtime of which you were paid but... you worked 10+ hours a day and were required to work saturdays as well. I began seeing my co-workers more than my own family. Then the last straw was when a good family friend had passed away and I was told I could not attend the funeral because this was not an immediate family member! After this incident I found it impossible to work with a manager staring out their window at you and calling your team leader if you turned your head to answer someone's question! At the advice of my doctor I had to be medicated to make it through a day at work! Getting fired was the best thing that ever happened to me and to anyone looking to start a carrier with Countrywide I would have to say "How much do you value your beliefs and time with your loved ones?" And as for Mozillo! That man knows EXACTLY what is going on with in his company and he does NOTHING!

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Left: April 12, 2006 By: In:

Enron ? S&L crisis ? CHL ? Hmmmmmmmm

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

Thanks to the ONE that posted lawfirms to read and then CONTACT about wrongdoings by CW.

NOW, I have hope.

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Left: March 20, 2006 By: In:

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



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



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

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Left: March 17, 2006 By: In:

http://www.ripoffreport.com/



search: countrywide



You will be appalled

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Left: March 16, 2006 By: In:

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



They thought they could get away with it because no empolyee can sue the company.

You sign the arbitration form before you ever get to fill out a job employment application.



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



They still think they are so big that they are above the law operating unlicensed in States that require it and violating RESPA and Fair Housing laws left and right.

Countrywide is a predatory lender that gets retired people into option arms under the guise of payment releif and they flip their own loans they manage for their investors. What kind of crooked mortgage company solicits borrowers that have had their loan less then 6 months?

No one can do what Countrywide can. haha

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Left: March 15, 2006 By: In:

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



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



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



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



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



These are bad bad unregulated people..



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Left: March 15, 2006 By: In:

I think you all are full of shit.



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

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Left: March 15, 2006 By: In:

I think you all are full of shit.



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

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

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

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Left: March 12, 2006 By: In:

Save yourself the misery and just dont work there.

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Left: March 11, 2006 By: In:

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

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Left: March 11, 2006 By: In:

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

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

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

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Left: February 26, 2006 By: In:

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

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Left: February 25, 2006 By: In:

scroll over to click for adding comments

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Left: February 25, 2006 By: In:

What's-up with the bad formating?

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

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

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Left: February 13, 2006 By: In:

The Federal Trade Commission really needs to investigate Countrywide.

Once they get a hold of Countrywide the Ameriquest Settlement will look

like peanuts.



#1. Call Countrywide to inquire about interest rates.

Go ahead call the 800 # or a retail branch.



Sure they will quote loan interest rates and loan programs

to you all day long.



What they Never do is quote to you the ANNUAL PERCENTAGE RATE

when quoting rates and fees to the customer.

This is in violation of Reg. Z



Their antiquated software *advantedge* does not have the ability

to blend the rate and closing cost into an APR to get

the true cost of obtaining the financing.



Sure a 5 year ARM at 6.25% might sound good to you but when they dont

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



FTC you need to really look into Countrywides numerous

compliance violations including not sending disclosure packages

to borrowers within the 72 hour time limit.



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

If you wait to pay your Countrywide payment today the 13th do not drop it off at a branch.

They just mail it in for you and you will get a late payment fee charged even though Countrywide technically has your payment.



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

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

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Left: February 09, 2006 By: In:

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

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Left: February 08, 2006 By: In:

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



Lazy Countrywide executives even defy their own fundamental behaviors asserted in their own corporate culture statement. Anyone who has worked there knows,

THEY ARE NOT

Open and Honest

Customer Focused

Advocate of Ideas

Continuously Improving

Committed

Adaptable

Visionary

Driver

Professional

Loyal

Solutions Oriented



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



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



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Left: February 07, 2006 By: In:

BOYCOTT HOME DEPOT!!!

February 3, 2006



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

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Left: February 07, 2006 By: In:

Lara - Do you have federal flood Insurance?

Also if you pay online for 3 months they quit the paper statements. Go online and check your account.

COUNTRYWIDE SERVICING SUCKS.

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

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

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

My problem is NOTHING like others have. I'm LUCKY!

I have only had my loan for 5 months. I pay online and pay extra into the principal. If I haven't paid them by the 4th, I start getting phone calls and messages. I worked Friday(payday) Sat and today-Sunday. I was stuck at work from 0645 am to 8:00pm all three nights. I figure I'd pay my bills Monday,because I'm off from work!Tonight I have two urgent messages to call them. Then I remembered ,they call for payment if you haven't paid by the 4th of the month. Yes, they admit you have 14 days. I pay online and pay extra principal. I will be stuck with them for two years (or pay penalty) but I will find someone else-believe me! I will pay them online and mark payment for the 13th of the month from here on out.

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Left: February 05, 2006 By: In:

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



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



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



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



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



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



*****

It's the just the same old song and dance



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



COUNTRYWIDE IS NOT THE EMPLOYER OF CHOICE.



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Left: February 05, 2006 By: In:

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

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Left: February 04, 2006 By: In:

wow angelo was a 14 yr old mortgage broker HAHAHA

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Left: February 04, 2006 By: In:

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



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

*********************



There it is from the horses mouth. Housing bubble means employees get the axe. DISPOSABLE

*PEOPLE ARE OUR GREATEST ASSETS* ALL LIES, LIES, LIES

*********************



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



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



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



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





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Left: February 04, 2006 By: In:

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

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Left: February 03, 2006 By: In:

NO ONE CAN LIE LIKE COUNTRYWIDE CAN



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



NEVEVERMIND THAT ITS A VARIABLE RATE ARM (Prime Rate+) LOAN.



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



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



No one can screw you like Countrywide can.





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Left: February 03, 2006 By: In:

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

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

Improper Home Charges



Read then File a complaint



www.zimmreed.com





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Left: February 03, 2006 By: In:

Angelo - cut Brian Hale's salary 54%

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Left: February 03, 2006 By: In:

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

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

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

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

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

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

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

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Left: February 01, 2006 By: In:

Melanee

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



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

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

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

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Left: January 31, 2006 By: In:

what a bunch idiots fu cw

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Left: January 29, 2006 By: In:

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



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



Culpability starts at the top.



Enron was big once and CFC is a big on paper tiger built on loan servicing with other peoples money.

When the deck of cards starts to fall it's all going to come down fast.



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

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Left: January 29, 2006 By: In:

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



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



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

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Left: January 29, 2006 By: In:

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



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



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





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Left: January 29, 2006 By: In:

NO ONE CAN LIE LIKE COUNTRYWIDE CAN



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



NEVEVERMIND THAT ITS A VARIABLE RATE ARM (Prime Rate+) LOAN.



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



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



No one can screw you like Countrywide can.



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



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Left: January 29, 2006 By: In:

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

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Left: January 28, 2006 By: In:

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

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

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

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

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

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Left: January 28, 2006 By: In:

what is a "jagoff" ?

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Left: January 27, 2006 By: In:

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



Blame Doyle.

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Left: January 27, 2006 By: In:

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



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



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

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Left: January 27, 2006 By: In:

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



Left: July 01, 2006 By: In:

Califonria past posts!!!!! hahahaha they can't erase them.


Left: June 18, 2006 By: In:

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

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Left: June 16, 2006 By: In:

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



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



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



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



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

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Left: June 14, 2006 By: In:

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

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Left: June 14, 2006 By: In:

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



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



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



Nothing but a recipe for fraud fraud fraud.

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Left: June 13, 2006 By: In:

CHL = Enron

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Left: June 12, 2006 By: In:

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

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Left: June 09, 2006 By: In:

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



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

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Left: June 08, 2006 By: In:

Phuck Kuntryfried

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

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

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Left: May 15, 2006 By: In:

Look, if you were an employee of this

criminal company, whether a salried or a commissioned employee AND you did your work

from the office or home at least 50% of the

time, you are owed time and a half in overtime for every hour worked over 40 hours in a week.



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



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



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



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



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



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



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





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Left: May 15, 2006 By: In:

What about all the holidays we never got because they

were on the weekend or scheduled day off?

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Left: May 12, 2006 By: In:

OVETIME IS WAITING FOR

ANYONE WHO FILES IT!

THIS COMPANY SAVES

MORE THAN $1BILLION

BY NOT PAYING OVERTIME.

THE GOOD THING FOR THE

COMPANY IS THAT NO ONE

REALLY KNOWS THEY WERE

VIOLATED. THE COMPANY

IS AHEAD $1BILLION!!!!!!

BY NOT PAYING OVERTIME

PROPERLY NATIONWIDE,

SERIOUS FEDERAL LIABILITY.

COUNTRYWIDE CANNOT HIDE IN

ANY STATE AND CAN ONLY HOPE

A CLASS ACTION ISN"T TRIGGERED.



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Left: May 12, 2006 By: In:

ALL SHOULD FILE FOR OVERTIME

IF YOU WORKED AT COUNTRYWIDE



do you mean the company offers

to pay half the rate? OR are you

referring to:



Arizona does not have a minimum wage

or an overtime law. If the employer

is covered by the Fair Labor Standards

Act, the federal minimum wage and

overtime laws apply. For information

on the Federal minimum wage and

overtime laws, contact the Federal

Wage and Hour Division

at www.wagehour.dol.gov .



This does not eliminate the

federal requirements of Countrwide

and offers of half the wage is against

the law as referenced below:



Fact Sheet #23: Overtime Pay Requirements

of the FLSA:



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



Characteristics

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



Requirements

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



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



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



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



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



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



Back to Top

Typical Problems

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



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



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



Where to Obtain Additional Information

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









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Left: May 11, 2006 By: In:

In Arizona they pay for overtime but it's

not time and a half. You get paid half the pay of your regular hourly rate. I kid you not!

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Left: May 08, 2006 By: In:

wow, i had no idea i

could get paid for

overtime. nice the company

has 20,000 originators, are

all of them classified as exempt?

what about the processing and support

staff, I know they don't get paid overtime

here in socal. billions of $'s is at risk..

truth!

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

SERIOUS NOTICE-



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



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



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



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



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



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



TAKE THE FACT THAT ALMOST ALL HLC'S FOR THE COMPANY WORK 55+ HOURS WEEKLY FOR TWO YEARS WOULD BE OWED...104 MONTHS (2YEARS) X'S 15 HOURS

X'S $144 (TIME AND A HALF RATE)

='S

$224,640!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!



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



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



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



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



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

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

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

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

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Left: May 01, 2006 By: In:

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

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Left: April 29, 2006 By: In:

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



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



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

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Left: April 28, 2006 By: In:

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

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

As a former employee of Crappywide I wish I would have came across this site before accepting a job with the worst mortgage company in the world! The management is incompitent and the employees who acctually care for the customers are systematicly removed from the company. The process of becoming one of these managers involves either sleeping with another manager or being the best friend of their spouses! Micro managing is putting it mildly! Our manager went to the extent of trying to get two way mirrors installed on his doors so that he could watch employees with out him being seen!

We were told that we were not to turn around in our seats to even ask a fellow co-worker a question! I experienced a lot of shady things when working customer service. The corporate credit card was used to buy things not related to CHL in ANYWAY. Administrative assistants were sent to go buy shoes and clothing while on the payroll! Sexual harassment runs rampant and I had several women I worked with who were aproached by my manager for sexual favors outside of work (so that it would not be traceable and it would come down to their word against his) many tried to leave the dept. so that the constant badgering and mistreatment (if you said no) would stop, unfortunately your manager must approve that transfer! I and most of my co-workers were subject to mandatory overtime of which you were paid but... you worked 10+ hours a day and were required to work saturdays as well. I began seeing my co-workers more than my own family. Then the last straw was when a good family friend had passed away and I was told I could not attend the funeral because this was not an immediate family member! After this incident I found it impossible to work with a manager staring out their window at you and calling your team leader if you turned your head to answer someone's question! At the advice of my doctor I had to be medicated to make it through a day at work! Getting fired was the best thing that ever happened to me and to anyone looking to start a carrier with Countrywide I would have to say "How much do you value your beliefs and time with your loved ones?" And as for Mozillo! That man knows EXACTLY what is going on with in his company and he does NOTHING!

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Left: April 12, 2006 By: In:

Enron ? S&L crisis ? CHL ? Hmmmmmmmm

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

Thanks to the ONE that posted lawfirms to read and then CONTACT about wrongdoings by CW.

NOW, I have hope.

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Left: March 20, 2006 By: In:

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



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



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

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Left: March 17, 2006 By: In:

http://www.ripoffreport.com/



search: countrywide



You will be appalled

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Left: March 16, 2006 By: In:

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



They thought they could get away with it because no empolyee can sue the company.

You sign the arbitration form before you ever get to fill out a job employment application.



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



They still think they are so big that they are above the law operating unlicensed in States that require it and violating RESPA and Fair Housing laws left and right.

Countrywide is a predatory lender that gets retired people into option arms under the guise of payment releif and they flip their own loans they manage for their investors. What kind of crooked mortgage company solicits borrowers that have had their loan less then 6 months?

No one can do what Countrywide can. haha

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Left: March 15, 2006 By: In:

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



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



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



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



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



These are bad bad unregulated people..



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Left: March 15, 2006 By: In:

I think you all are full of shit.



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

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Left: March 15, 2006 By: In:

I think you all are full of shit.



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

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

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

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Left: March 12, 2006 By: In:

Save yourself the misery and just dont work there.

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Left: March 11, 2006 By: In:

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

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Left: March 11, 2006 By: In:

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

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

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

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Left: February 26, 2006 By: In:

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

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Left: February 25, 2006 By: In:

scroll over to click for adding comments

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Left: February 25, 2006 By: In:

What's-up with the bad formating?

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

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

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Left: February 13, 2006 By: In:

The Federal Trade Commission really needs to investigate Countrywide.

Once they get a hold of Countrywide the Ameriquest Settlement will look

like peanuts.



#1. Call Countrywide to inquire about interest rates.

Go ahead call the 800 # or a retail branch.



Sure they will quote loan interest rates and loan programs

to you all day long.



What they Never do is quote to you the ANNUAL PERCENTAGE RATE

when quoting rates and fees to the customer.

This is in violation of Reg. Z



Their antiquated software *advantedge* does not have the ability

to blend the rate and closing cost into an APR to get

the true cost of obtaining the financing.



Sure a 5 year ARM at 6.25% might sound good to you but when they dont

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



FTC you need to really look into Countrywides numerous

compliance violations including not sending disclosure packages

to borrowers within the 72 hour time limit.



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

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

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Left: January 31, 2006 By: In:

what a bunch idiots fu cw

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Left: January 29, 2006 By: In:

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



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



Culpability starts at the top.



Enron was big once and CFC is a big on paper tiger built on loan servicing with other peoples money.

When the deck of cards starts to fall it's all going to come down fast.



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

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Left: January 29, 2006 By: In:

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



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



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

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Left: January 29, 2006 By: In:

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



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



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





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Left: January 29, 2006 By: In:

NO ONE CAN LIE LIKE COUNTRYWIDE CAN



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



NEVEVERMIND THAT ITS A VARIABLE RATE ARM (Prime Rate+) LOAN.



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



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



No one can screw you like Countrywide can.



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



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Left: January 29, 2006 By: In:

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

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Left: January 28, 2006 By: In:

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

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

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

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

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

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Left: January 28, 2006 By: In:

what is a "jagoff" ?

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Left: January 27, 2006 By: In:

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



Blame Doyle.

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Left: January 27, 2006 By: In:

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



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



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

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Left: January 27, 2006 By: In:

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



Left: July 01, 2006 By: In:

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

Left: June 30, 2006 By: In:

Let's see, take a top national producer and make him a "Team" EHLC..like Greewald is for Bianchi....now that is funny.

Too bad the people in the region have ALL blown the whistle, past Sales Managers, past employees and current ones ALL have claimed the same, documented it, and the scumbags in HR like Lyol Brumby, what a clown, is the little dog sent to protect them...what f-ing dumbasses, to send a silly little dog when a pitbull or Rott is needed, the reason why Bianchi and Fink will go down so hard is due to Brumby, that weak stick, and he is a weak stick, gets so tripeed up in his messages and his statements, you would think him and Bianchi went to the same Junior College..

Damn fools....but, as the Legal Teams try to containt things, it is getting close to press time according to people I know...soooo many are just going to go right to the Trib and LA Times.

Hmmmm, how many females were sexually harrassed in Bianchi's region? How many kickbaks? How many complaints? HoewMany ripped off and families destroyed due to the greedy scum like Bianchi and Fink?Someone will eventually blow the whistle to the press, provide documents, and force CFC's hand..soon soon

Left: June 30, 2006 By: In:

I agree, look at the Carlsbad Branch...Sue Hultin the Underwriter does whatever they want, funds whatever they want and that includes her son's loans Aaron Hultin, like Fink hiring her daughter, a conflict of interest against the company policies...

Bianchi also knows of it all, participates and in the end they are hand in hand!!!!! if you can call Fink's hand a hand, maybe a hoof...good one!

Let's see Mgan Fink's daughters- Megan Lowe and Shellee Valenty, do make a lot of money , just handed to them by Fink and Bianchi.

Go talk to Thomas Walters of Encinitas, Carl Streicher of Carlsbad, Anachario in Bianchi
s branch, Kurt Olsen and all the Bianchi cronies..just going along for the $$$$ ride....1000's od customers might like to know they were charged for their gifts!!!!!!! and because of lose lips, it is clearly documented.

Now take a look at using other companies to bring in loans, say non-profit companies. hmmmmmmm, what kind of dumbass would be a part of that.....look at Bianchi and his use of employees who bring in busines through non-profits, damn distgusting, but profitable.

Megan Fink the cow is right...

Everyone write letters to the Board of Directors, those who are from other Companies yet associated with CFC, they will not want to be tied into this crap, but mabye for $400million in loans a years they do...character character character...none there.

Hi Cow!! HI Bianchiscum



Left: June 30, 2006 By: In:

Let's get it all clear..

John Bianchi, Megan Fink, and the HR department are a bunch of criminals!!!!!

From their abusine their own employees, to threatening jobs when they complain, those scumbags, and they are scumbags, just aren't smart enough to understand that the big boys at the Company hate Bianchi and Fink.

Fink, that fat cow is still a fat cow although she had liposuction, she is still the same ugly pig although she had $50k in plastic surgery.

Her daughters are fat asses, they abuse the Countrywide system for their own benefit, and like others have posted, ALL within Bianchi's region know of the kickbacks to THe Platinum Gift for loan fees charged to borrowers, yet a portion sent to pay for the "Thank You" gift the customer recieves.

When the scumbag fat asses (Finks) finally have it all catch up to them, they will know how arrogant they were.

Let's see, Megan Fink tries to fuck Dana Copeland, he runs from her according to soooo many who know him, and then Megan, trying to get some, puts him in as Branch Manager, after forcing out John Murphy, a 8 year employee and Branch Manager of SanMarcos...etc

Funny, but Fink doesn't realaize her vmails are saved!!!! "We didn't mean to pressure you so hard John" and offers him another Branch, because her husband, the Minister (Minister of what?) must not give it to her....to Dan an Copeland, who is there now....

Copeland himself stated he would rather die than touch her....hahahahahahahahaha, yet he accepts the B. Manager position as a gift from her.

Bianchi also is a scumbag, fucks all kinds of other women, and in the end, his wife, Jennie, knows about it and trips out a lot.

When it comes to covering up things, start with John Gillis and what he did to 3 secretataries, not 1 or 2, 3!!!!!! And the fat cow Fink-Porky, goes to the branch and threatens everyone to not speak of it etc....or lose their job!!!

Unfortunately the fat cow Fink an dbianchi think they have loyalty, but people in Encinitas Branch, right now, have opened their mouths and told the story....

Going forward, look at how the compensation policy of CFC has beeen thrown out the window to protect them,,,like the Board, the Top Attorneys for the Company are going to take the hit in the end..not!!!!!!

When there are documented fraud complaints, harrassment complaints, and retaliation complaints that are right to the top Attorneys for CFC, nothing will protect them when it comes to open public forums..and with sooooo many being abused, the question is who will give them to the press??????????

Who will Bianchi and Fat Ass Fink Blame? Bianchi the scolar? yeah right, dumbass MF took 6 years to complete his Associates degree, nothing but a scumbag who takes credit for loans that others do for him and that he buys from the Realtors in San Diego.

Bianchi and Fink probably get down themselves..he is stupid enoughb to do her and she will do anything for a buck.

Her daughters....little cows, have made soooo mcuh money thanks to her illegal operations, take a hard look at how many gifts were sent out from The Platinum Gift!!!!! How many customers were charged for their gift?????? over 3 years...probably more than $3mil worth, wonder what they filed.

Past Sales Managers, past employess, and Realtors ALL know and are in possession of the documents that show it.

Bianchi and Fink- The Scum of San Diego and The Scum of CFC...CFC and their board will eventually get the same email making them aware of the board they sit on..

In Fact, the Company attorneys have been notified of this kickbak s to The Platinum Gift for months and months, yet they have done nothing about it.

If fat cow Fink and Bianchi think they will always get away with it, they are mistaken, past employees and even current ones hatre them with passion...right in Bianchi's team and branch people hate him, yet go ahead and make $$$$..

Fink is so hated and made fun of it is hilarious, she used to ride in that litle lexus, so funny to see her squeeze into that thing with her fat ass..."Lipo Please"....

She was the only Branch Manager that worked from home (ministry), I wonder how her hubby and family feels about her sexing it up outside the Marrriage...does it..matter.



Left: June 30, 2006 By: country fried chick In: san diego, ca

To "Idiot/Mr. Manager":

If you've been with Countrywide for 10 years, you have undoubtedly seen, firsthand, what we are discussing here. I recognize your plight, since survival at Countrywide depends on your showing your "loyalty" to The Execs through your willingness to get your hands dirty. All the Managers' hands are dirty, even the "nice guys." The Bianchi organization sets up the procedures that you have to follow, or you get ousted. You've seen it, time and time again; if you deny it, you're either stupid or one-and-the-same. It's too late to change; they already have you by the neck.

I AM STILL WITH COUNTRYWIDE. THEY'RE NOT FIRING ME, BECAUSE I'M SMART, PROFESSIONAL, DILIGENT, HARD-WORKING -- AND MOST IMPORTANTLY, I'VE BROUGHT ATTENTION TO THE CORRUPTION. I've never been fired from a job. I've never even had a disciplinary warning. I've never initiated any legal actions prior to my issues with Countrywide. I have a job with the biggest lender in the nation. I have "job security," if one believes in such a thing. I have a family who depends on me and feels every pain and stress that I feel. So, for me to fight a fight, it must be one that takes all of that into consideration. And, they owe me a TON of backpay-- that they cheated me out of!! It would be STUPID (and I think I've already told you that I'm not) for me to leave all of that behind.

The major reason why I cannot stay with Countrywide, is because of the illegal and ethical abuses that I've borne witness to -- and suffered, personally. To stay, forces me to be one of them. I will NEVER be one of them. I value my sleep too much.


What that company hides, and allows to happen, again and again, hurts innocent people!! I have pages and pages of documentation (because Countrywide execs are stupidly-arrogant) to support everything I state. I can't wait to produce it all.

(...Excuse me a monent, while I dance...)

I do not, by any stretch of the imagination, meet the qualifications for the job that they threw me into, following my boss' termination.

This is is the warning that I'm sending out to consumers: Countrywide bases job titles and security on everything BUT qualifications. Look at Bianchi, for God's sake. What a pathetic example of leadership: A self-promoting, criminal, wife-cheating, illiterate goon! If you went to his last seminar, you should know about the three VERY clear RESPA-illegal recommendations that he makes to all the loan officers.

WHAT ARE YOU SO AFRAID OF? Oh sigh -- I guess we'll just wait to see what comes out in the press.

Have a great day. Go Countryfried!

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

One more thing Mr. Manager.
Don't judge the morals of the people who come here.
We're just bringing up the facts.
Mad people because the truth hurts you are.
Such morals you have, as you lie to protect countrywide.

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

TO THE IDIOT WHO JUST POSTED THE PREVIOUS MESSAGE.

Just another pathetic goon in Countrywide's Management coming to countrywide's defense. You're not the one amused, but we are. You're just speaking out of fear, because you sense what I know what direction Countrywide will be headed.

Every thing I brought up in the previous posts about the underwriting department and the problems ARE FACTS. There's definately something wrong the them! AT LEAST 9 out of 10 AEs would agree with me. Myself and the Loan Officers did what we were suppose to. So your "assurance" that countrywide doesn't hire lousy underwriters is as good as a three dollar bill.

CW's Landsafe appraisal company is corrupt. Appraising properties at least $10K lower, as much as $40K lower than comps even when the home is in good condition? I and other AE's have seen it with our own eyes. If there's still a program left, it usually forces higher priced loans on the customer. That's how CW secretly steers customers into a higher/rate payment. Disguised predatory lending.

Also for you to judge the customers who aren't happy that come here? COUNTRYWIDE IS MISAPPLYING PAYMENTS. And when the customers are furnishing proof of payments, Countrywide is still not applying their payments, still not correcting the credit marks, forcing many people into wrong foreclosure. Read the posts again! THIS IS NOT THE FAULT OF CUSTOMERS, HAS NOTHING TO DO WITH THEIR MISMANAGEMENT OF FINANCES. THESE ARE COUNTRYWIDE ERRORS. ERRORS THAT COUNTRYWIDE TAKES NO RESPONSIBILITY ON.

And Countrywide is definately in the position to be sued! The inappropriate conduct the San Diego chick has experienced (how would you like to be in her shoes Mr. manager). Countrywide still breaking the law on overtime. Countrywide Full Spectrum is a big time predatory lender.

So good RIDDANCE to the likes of you, Mr. 10-yr Manager.
And you're confused sir.
The best thing for CW's competitors is to have us (former CHL employees) work for them.
Whether we stayed with Countrywide or not, your company is will be going down as it follows in Enron's footsteps.
What is also good for CW's competitors is FOR PEOPLE LIKE YOU TO STAY WHERE YOU ARE AT.


Left: June 29, 2006 By: In:

I have look over this web site and find it very humorous. I have been with Countrywide for almost 10 ten years. I assure you they dont hire lousy underwriters, processors or loan officers. They only fire them.... everyone on this web site blames Countrywide for their lack of morals, financial management and in ability to handle themselves like adults. I guess it is easier to blame the corporation and not look at ourselves. Oh and yes of course maybe we can get some money out of a lawsuit. Good Luck and to the former employees Good riduance the best thing that could happen to Countrywide is for you to be working for our competition.

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


Left: June 29, 2006 By: In:

Joe anderson was forced to resign at a corporate meetin. d. sanbol and b. hale joined forces to oust one of the few remaining good guys from the old guard at CHL. Anderson etc. were the guys who made the company elite, now the roaches are scurring in to rape once great, wonderful company.

Left: June 29, 2006 By: In:

these guys are tripping out over the site, but my guy has it for 10 more years now!!!!!! hahahahahahaha

just think, a huge corp like CFC, scared of a website....what are they scared of???? THE TRUTH!!

When you have underwriting in the branch, family memebers who work for you, and deviation from Board Policies....it is clearly the easy road to riches, but also the easy road to having a lot of people pissed who wee violated by the operational structure developed to do more loans at any cost..

risk management 101- if you make more than you pay out in settlements, it is worth it, no morals, no ethics, etc etc..


Left: June 29, 2006 By: In:

Anderson resigned, but was above Hale folks, so Hale could not have fired him....trouble brewing there big time....

legal department is nothing short of adding to the probs.

confirm, sambol and hale.

Left: June 29, 2006 By: Countrywide Hater In: Everywhere

Someone, please confirm or deny firings of BH and DS. I think someone got confused. It's only Joe Anderson, right? Canned at a meeting led by David Sambol and Brian "Fat Bastard" Hale?

Left: June 29, 2006 By: In:

hale sanbol

Left: June 28, 2006 By: In:

who just got canned at Cwide? BH and DS????? is it Brian Hale? and who else....???? who is DS?

Left: June 27, 2006 By: In:

Hey, talking about the CHL police monitoring this site. They had Georgia and Texas shut down because of all the nasty but true post about CHL.
The big, bad, biddy, baby, boys can't take the truth. CHL exec.s are such lame asses.

Left: June 27, 2006 By: 008 In:

Yeah, when you click on the GA link, it takes a long time to upload. When I tried TX, it was taking forever, so I stopped. Probably a CHL IT guy in India sent the virus.

Left: June 26, 2006 By: In:

Hey, talking about the CHL police monitoring this site. They had Georgia and Texas shut down because of all the nasty but true post about CHL.
The big, bad, biddy, baby, boys can't take the truth. CHL exec.s are such lame asses.

Left: June 23, 2006 By: In:

right on!!!!!!

Left: June 23, 2006 By: country fried chick In: san diego, ca

Bridgegirl: I wrote you the longest email I've ever seen. Talk soon!

Left: June 23, 2006 By: In:

countryfried chcik, I have emailed you in return and hope to hear back from you..I see you have posted here yet not responded to the emailll...are you for reasl? I am and hope we can put are heads together regarding harrassment issues etc...

time will tell I guess.

Left: June 23, 2006 By: country fried chick In: san diego, ca

The arbitratable part is disputable, at best. In 2002, The Ninth Circuit Court of Appeals ruled against CW's arbitration agreement, as it is made a condition of employment and the parties have unbalanced negotiating power. So, I understand that it depends on what issue you're disputing. You can find this published decision all over, online. Here is one link to it:
http://www.longlevit.com/updates/ELUpdate/ELU66.pdf#search='countrywide%20home%20loans%20sexual%20harassment'

Those of us who have disputable comp plans also have extenuating circumstances surrounding them. In my case, my boss paid me (very little, I might add) with personal checks (big no no!), with nothing in writing. Then he wrote something up, went outside of it, changed it, changed it again...After he was fired, HR drew up this cute little comp plan in addition to CW's standard for HLCs. It was a letter-type document that also said I was transferring to another branch and getting a "promotion (which I also protested)." I disputed it, on record, before, during and after. But they said if I didn't sign the entire agreement, I did not have a job. It's all on record. They also pulled some other stupid moves, in retalitation, which my attorney is dealing with.

The stuff recently added to this page makes me sick. It is what my gut has been telling me --and what I have seen evidence of -- about the power structure behind CW. I understand that Corporate America has underlying commonalities, but CW seems to have collected the worst of the worst. DISGUSTING.

My thoughts and good wishes are with the female BM who is taking on CW. For every one who stands up and fights, even more will begin to pay attention.

Left: June 23, 2006 By: In:

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

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

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

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

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

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

I smell a list of lawsuits coming...

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

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

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

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

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




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

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

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

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

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

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

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

rock on

Left: June 22, 2006 By: In:

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

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

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

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

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

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

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

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

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

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

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

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

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

Left: June 22, 2006 By: bridgegirl24 In:

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

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

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

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

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

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

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

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

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

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

Hope you are well.


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

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

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

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

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

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

I can be emailed at countryfriedchick@hotmail.com

Left: June 22, 2006 By: In:

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

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

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

Her compensation was also chaged etc...

Were you and EHLC for the JB Team?



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

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

Back to work. Go Countryfried!

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

Why, are you an area sales manager?

Left: June 22, 2006 By: In:

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

Thank You

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

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

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

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





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

I am a Phoenix Girl and have similiar experiences.

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

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

I worked in San Diego for a long time.

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

Amazing.

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

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

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

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

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

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

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

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

Left: June 20, 2006 By: In:

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

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

Left: June 20, 2006 By: In:

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

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

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

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

(The CA posting page is not working, so site manager said to post in other states)
I am currently employed by Countrywide and have recently experienced vile
sexual harassment and financial abuse. I recently filed an HR complaint
that resulted in my boss' termination. Thereafter, I was transferred for my
"protection," given a position that I am lost in and did not want, and have
been experiencing what I perceive to be (need to have my lingo legally
appropriate) relatiatory actions on behalf of the management and executives.
I am in California. I need to check with my lawyer to see if I can name
the region in this forum.

I hate the company. I have been treated like a nothing and a plague.
Everything the company does is with pretense and calculation. The game is
being played by evil, narcissistic greed mongers. They place no value on
human rights or suffering.

It seems to be common knowledge that the region is corrupt and just a good
ole boys' club. I have heard that promotions and rewards are commonly
believed to be based on long-term friendships, blackmail/bribes and
(extramarital) sexual affairs. There seems to be quite a bit of evidence to
support it; it just needs to be put together.

I was on a "privileged" team that virtually made its own rules and put a
perverted, abusive non-supervisor in a supervisory role with me, after
having had notice of his past abusive behaviors. He acted as if he were
above the rules, because the region had covered some of his past incidents
from HR and even rehired him after he was fired by the parent company:
Northwest Mortgage.

I have recently hired a lawyer to deal with executive management. I cannot
say here, what it is that I seek; but we are wondering if there are any
similar stories in the region that anyone can share. I specifically want to
know about HLCs in supervisory roles, retaliation following HR complaints,
the discouragement of HR reporting, and any incidents that were minimized by
higher-ups. My lawyer works on a contingency fee. I would never share
names unless I had the express permission of the source. Even if someone
can give me an idea of where else to look, it would be greatly appreciated.
We'll do our own investigations. I want justice for others like me, and the
company to face the consequences of their actions. I'm sticking around
until it's done.


Left: June 14, 2006 By: In:

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

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

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

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

Left: June 13, 2006 By: In:

CHL = Enron

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

THIS IS IN RESPONSE TO "JOE D"

You don't seem to get it.

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

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

Countrywide is now too cheap to keep up on its computers and computer systems. That is why the number of customers complaining about payments has been increasing in the last few years.
That is why it is now taking Countrywide 30 to 40 days to close a loan.
That is also why payoffs and other items are now coming out wrong.

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

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

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

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

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

You will not keep others from reading the previous posts.


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

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 09, 2006 By: Deb P. In: Mesa, AZ

I just learned a couple of days ago that I made money on a home in Missouri that Countrywide stated that I own!! Just how in the phuck is this possible since I have NEVER OWNED PROPERTY IN MISSOURI? When I sold my house in Kansas, the new owner got a loan thru Countrywide. When I sold the home in Kansas, some way, some how, the dip shits @ Countrywide changed my address from my Mesa, AZ address to an address on Booth Street in Kansas City, Missouri. When I moved, I gave the Post Office my new address in Mesa, AZ so that they could send me the escrow check. What do the bastards @ Countrywide do? They send the friggin check to the Booth Street address!! Then the asswipes @ Countrywide lied and told me they got the Booth Street address from the Post Office! I told the b*tch she was LYING!! She could NOT have gotten the Booth Street address fromt the Post Office since I NEVER GAVE THE BOOTH STREET ADDRESS TO THE Post Office. DAMN LIERS!! Phuck Countrywide! Hell will freeze over before I ever use Countrywide Home Loans!!

And now I've gotten a letter from the State of Missouri stating that I got a Form 1098 from Countrywide saying I made money on the Booth Street address in Kansas City, Missouri.

Left: June 08, 2006 By: In:

Phuck Kuntryfried

Left: June 07, 2006 By: Words of Wisdom In: Glendale

Stay away from CUNTrywide, and Full Rectum Lending.....

Left: June 07, 2006 By: In:

Get out! If you think its bad from the inside just wait till you are free of those suckers and see how much your eyes open to see all their crap. There are lenders out there that appreciate their employees and customers unlike crappywide. Figure this way. Rip off profits keep the CEO tan man in his yellow ties and limos.

Left: June 05, 2006 By: In:

Employee : CountryWide does Rip off customers and all of there call centers are sweat shops
( believe it) CountryWide does not care about there employees or there customers they will not waive late charges unless its countrywide fault,and you have to prove it! All the Hurricane victms ( they don't care) , they make fun of them ( Management) they tape record everything to save there ass's of lawsuits,Everday they give out new procedures On how to handle issues , employees are given scripts to read to customers ,If employees don't meet stats in 3 straight months their fired,Its all about the money, each employee has to bring in 600 payments every month for each call they have to be on 8 min and its on the next customer its like a assembly line. There closing down Lancaster site cause another site is opening in Arizona , its cheaper for them, they fire someone everyday they have been lieing to their employee about the whole thing! The women there in management only move up cause they had slept with someone there , always missing from there office ,taking long lunches Ha, Viola Sanchez and
Oscar c!!!!!! P>S India Site Sucks , they can't even speak english, but Countywide hires them cause it's CHEAP!!!!




But if you and your teammate get 3 wrong your opponent can decide if they want to keep playing or just end the game. But the winner goes on to save there skeleton.



Left: June 05, 2006 By: In:

Employee : CountryWide does Rip off customers and all of there call centers are sweat shops
( believe it) CountryWide does not care about there employees or there customers they will not waive late charges unless its countrywide fault,and you have to prove it! All the Hurricane victms ( they don't care) , they make fun of them ( Management) they tape record everything to save there ass's of lawsuits,Everday they give out new procedures On how to handle issues , employees are given scripts to read to customers ,If employees don't meet stats in 3 straight months their fired,Its all about the money, each employee has to bring in 600 payments every month for each call they have to be on 8 min and its on the next customer its like a assembly line. There closing down Lancaster site cause another site is opening in Arizona , its cheaper for them, they fire someone everyday they have been lieing to their employee about the whole thing! The women there in management only move up cause they had slept with someone there , always missing from there office ,taking long lunches Ha, Viola Sanchez and
Oscar c!!!!!! P>S India Site Sucks , they can't even speak english, but Countywide hires them cause it's CHEAP!!!!




But if you and your teammate get 3 wrong your opponent can decide if they want to keep playing or just end the game. But the winner goes on to save there skeleton.



Left: June 04, 2006 By: In:

OVETIME IS WAITING FOR

ANYONE WHO FILES IT!

THIS COMPANY SAVES

MORE THAN $1BILLION

BY NOT PAYING OVERTIME.

THE GOOD THING FOR THE

COMPANY IS THAT NO ONE

REALLY KNOWS THEY WERE

VIOLATED. THE COMPANY

IS AHEAD $1BILLION!!!!!!

BY NOT PAYING OVERTIME

PROPERLY NATIONWIDE,

SERIOUS FEDERAL LIABILITY.

COUNTRYWIDE CANNOT HIDE IN

ANY STATE AND CAN ONLY HOPE

A CLASS ACTION ISN"T TRIGGERED.



Left: June 02, 2006 By: In:

Mortgage rates hit a 5 year high. Guess things wont be so easy for them now. Mike Matthews is an ass that runs good employees off rather than put up with his bullshit.

Left: May 31, 2006 By: In:

yeah, the fricking pigs names are brian hale and dave sanbol. they have ruined what loeb/mozilo created. all good things must come to an end. too bad....it sucks

Left: May 30, 2006 By: Truth Commision In: phoenix

FOR ALL THOSE WHO STILL BELIEVE COUNTRYWIDE STILL HAS GREAT CUSTOMER SERVICE...

For a long time Coutrywide USE to have excellent customer service.

However, Countrywide now has operations in India!! They do this now to cust costs because labor is obviously cheaper. Yes they speak English, but their English is still a language barrier. How do you think the communication will go with Countrywide's American customers?????

And once again, I will reemphasize on Countrywide's sorry computers. It causes so many discrepencies with customer accounts.

Obviously Countrywide has gotten so big, they think they can be more concerned about cost efficiency than its workforce AND its customers. They're now dependent on selling its name and the name's history to stay in businesss, not the things that made their name so great in the past.

Left: May 29, 2006 By: In:

Anybody considering going to work at Chandler should spend 5 minutes in the smoking area to hear about all the bullshit that goes on inside.

Current employees are merely defending their paychecks by sticking up for the company when they know darn well how bad it is.

Countrywide controls the whole process thru their own landsafe company and inside processing. 60 day locks and extensions of locks needlessly overcharge borrowers and it is a rip off by Countrywide.

WORK SOMEPLACE ELSE
GET FINANACING SOMEPLACE ELSE.

Left: May 21, 2006 By: Truth Commision In: Phoenix

THIS HERE IS A MUST READ FOR ALL PRO-COUNTRYWIDE AND ANTI-COUNTRYWIDE READERS.

Every mortgage company including Countrywide has problems.

Every mortgage company including Countrywide has delequent customers, but also makes lender errors in the posting of payments and other mistakes.

Every mortgage company has unhappy customers and unhappy employees.

So let's get the facts from someone who has worked there himself, such as I, who also resigned from Countrywide Full Spectrum to work for a different lender. Here you will see why Countrywide is having more and more unhappy employees AND customers.
I use to be an Account Executive (loan officer) at the offices in Chandler Arizona. When I was hired I was joyed because a loan officer is a good job, and Countrywide WAS a great company. However, Countrywide's FSL division in Chandler has a turnover rate of less than 6 MONTHS! Most significant factors are its Underwriting, Funding, possibly the title companies they use, definately Countrywide's own Landsafe Appraisal Co, and their computers.
Countrywide FSL has the most incompetent and inefficient underwriting department. At the time I submit the file with all the income docs to underwriting for approval, there is usually a long turnaround time of several days. By the time I hear from them again, they usually want more. So I call the borrower to get the ALL the new conditions faxed to me, I get them, and I resubmit EVERYTHING underwriting asks for back to them. There's another slow turnaround time, then when I hear from underwriting again, now they want new items. It's not unusual for Underwriting to have us send the file back and forth as many as 4 or 5 times. That is why the average loan in those offices takes 30-40 times to close and fund! This sharply reduces return customers and customer referals. Moreover, but the A/E experiences severe delays in getting paid. In the past Countrywide had been #1 in return customers, but now we are talking about the future.

Next, we dealt with incompetitant funding departments. I have had scheduled appointments with notaries for my borrowers, and none of them have been on time because the funding departments would take their time, and procrastinate in getting the docs out to the notary. I been with other mortgage companies, and I have never seen so many customers sign at 11:00 at night, as I have with Countrywide FSL. I don't know a single person (personally) who has ever signed late at night. My and other A/E's customers that signed that late were originally suppose to sign at 5PM, but if they didn't sign on that date, their loan would fund late, and it could affect their program. All I ever heard from my manager was excuses about this, and how he had customers sign that late when he was an A/E. He's not such a bad guy, he's just doing his job as a Countrywide manager defending this B/S. The most interesting case I had was when I had a customer scheduled to sign the day befor she was leaving the country. I requested the docs be send to the notary the day before she signed. It didn't happen. So I rescheduled the next day a few hours befor she was suppose to leave her house. What happenned? The funding department procrastinated long enough, where we ended up sending the notary to the airport. That is sad.

Briefly we can talk about the title companies, Countrwide's FSL processors use. My department uses LandAmerica. Every signal final HUD I have seen was incorrect. When I worked at a different mortgage company we used ServiceLink. I seldom saw incorrect final HUDS. When I told my processors this, they said ServiceLink. So maybe it's not title company errors?? It's another Countrywide problem?? It wouldn't surprise me.

Now it's important to talk about LANDSAFE, an appraisal company owned by Countrywide. Landsafe is extremely conservative. Over 90% of my and other A/E's property appraisals came in low. They general come in $10-20K lower than comparables, even if the subject home is in good condition. A low appraisal means a higher LTV(loan to value). This severely affects the customer's loan program by either raising the rate, requiring additional mortgage insurance, prohibiting us to pay off as many bills, or some combination of all the above. Most of time, this substantially reduces or eliminates the borrower benefites. Either the customers is now a victim of bait and switch, or the customer has no loan. Then the A/E suffers because he/she now has to resell the loan, or there is no loan to sell. LandSafe sets the road for Countrywide's secret bait and switch, and predatory lending in disguise.

Finally, Countrywide has the worst computers and computer systems. I have never seen my computer nor other A/E's computers freeze up as frequent as I have at Countrywide FSL. At other companies its seldome. At CW FSL it's the norm. Furthermore, the computers generally move very slow, and sometimes information gets erased on my applications. You would think with all the money Countrywide has, they could do better. Perhaps, that could explain why other folks on this website are complaining about payments not being posted and other problems? Maybe that's why I dealt with such a terrible underwriting and funding department? Because Countrywide has been to cheap to hire enough staff? This is an example of PURE STUPID GREED of Countrywide, and eventually this is going to catch up to them if it continues.

Study the life of an organization curve. Four stages are Introduction, growth, maturity, and decline. In 1969, Countrywide was in the Introduction stage. Ever since, it has long been in the growth stage, but it is nearing its maturity stage if it is not there already. If Countrywide continues to conduct itself in the same manner it has been lately, it won't be long before it starts sinking in the decline stage.



Left: May 12, 2006 By: In:

why ? so you can get your $ 45 bucks?

Left: May 12, 2006 By: Thomas Martin In: Washington. DC

Hi I have the National Mortgage Complaint Center & I want to talk to current of former employees about what could be equity striping. In the cases I have seen I see a borrower getting a Countrywide/Full Spectrum loan....with prepayment penalties & then the borrower starts getting what look like come on letters saying "we can get you instant cash, a lower interest rate, etc, with little or no mention of the prepay.

If as a consumer this happened to you I'd like to hear from you.

Left: May 03, 2006 By: deb In: phoenix

I've had 2 Countrywide mortgages. Never had a problem with either one. Sold the house on one of them, no problems paying off the loan, no extra outrageous charges. No problem getting my escrow money returned. I LIKE Countrywide. I like getting monthly statements, rather than another loan I have who sends me a crappy payment book once a year and I have to use my own envelopes to send in the payment.

Left: May 01, 2006 By: In:

If you are a drug user Countrywide is the employer of choice

Left: April 30, 2006 By: In:

joe anderson ? why?

Left: April 29, 2006 By: Mr. Fresh In: Near Tempe

Beware of working for countrywide. I was "Contracting" with them for just under 15 months. YES that says 15 months. I got paid less than my teams senior yet I did more work and knew more about our job than her. I WAS THE ONE THAT GOT LET GO!!! No advance notice, just a phone call from my agency telling me that they were told to let me go. No reasons given. If I had the time I would get into everything I have been through in the past year plus with them, but to have them let me go over someone who's sole job is to answer a phone and log faxes (who can't do that right) is un called for. I believe in Karma right now, and I am just waiting for the department that I worked for to fold or realize that they just let one of their best workers go, as well as me telling everyone I know to stay away from working with countrywide as well as refinancing/getting a loan through them.

Left: April 27, 2006 By: MAI EXPOSER In: Phoenix

BEWARE OF MANAGEMENT ADVISORS INTERNATIONAL OR MAI.

Here's how there retainer's work.

1. you pay them to start the search.

2. 3 months down the line they come back and tell you they've exhausted your market and it's time to move on from the search.

3. you now have to pay them a closeout fee for them doing nothing.

4. if you hired a candidate outside of using their services, they will charge you the full fee because you was on retainer with them.

5. after you have paid them for doing nothing in one market, they will ask you for another retainer to start up a new market.

MAI is located in NC AND FL. Beware of who you do business with.



Left: April 27, 2006 By: MAI EXPOSER In: Tempe, AZ

BEWARE OF MANAGEMENT ADVISORS INTERNATIONAL OR MAI.
Here's how there retainer's work.
1. you pay them to start the search.
2. 3 months down the line they come back and tell you they've exhausted your market and it's time to move on from the search.
3. you now have to pay them a closeout fee for them doing nothing.
4. if you hired a candidate outside of using their services, they will charge you the full fee because you was on retainer with them.
5. after you have paid them for doing nothing in one market, they will ask you for another retainer to start up a new market.
MAI is located in NC AND FL. Beware of who you do business with.

Left: April 27, 2006 By: In:

Tina - countrywide would charge you a prepayment penalty even if you refinanced with them. How messed up is that? Greedy bastards.

Left: April 26, 2006 By: In:

Oh the best is yet to come Jason. If you close the crappywide equity loan they hit you up for an early termination fee. Bet they didn't tell you about that either. Pay the loan off and let the account sit dormant. Call customer service and tell them to put you on the DO NOT SOLICIT list. That means no phone calls, no emails, no junk mail. It doesn't matter if you are on the National Do Not Call List because you are their customer their solicitors can call you.

Left: April 25, 2006 By: jason In: Tucson

Countrywide did a bate and swith on me with a home equity line of credit. I agreed to 9.0 percent no monthly finance charge home equity line of credit. The loan was supposed to be a home equity line of credit. The documents I signed at closing are different than the ones given to me after signing. Meaning my copies reflect what I got. There copies are the ones that are accurate for what I originally agreed to. My copies explain how I got screwed. I didnt think to make sure they matched. They were alredy prepackaged for me. What I got is a 12.5% variable intrest rate not to exceed 18 percent. A monthly finance charge home equity loan arm type. Ohh and it cost me 500 dollers for the loan too! Now the creditors are calling me for 9.00 dollers past due finance charges. They told me I had 25 years to pay it off. What a bunch of liars! Iäm glad I only used 1500 of it. To bad it cost me 740 dollers to use it!

Left: April 21, 2006 By: tina In: cottonwood

prepayment penalty of over 5500 dollars, charged by countrywide after the mortgage lender told me it would only be 981.00

Left: April 19, 2006 By: In:

I had a great experiance using countrywide home loans.

Left: April 19, 2006 By: In:




Left: April 11, 2006 By: In:

Can you blame them ? It is hard to support a family now at CHL. Although, brian hale sure seems to eat pretty good. The silver lining is that a human being can only handle 400 to 450lbs before a massive heart attack occurs.

Left: April 11, 2006 By: In:

Scuttlebutt has it that those same PLCs at FS and B2C take leads outta the call center to other shops and make tons more on the side than the peanuts Brian Hale gives them.

Left: April 09, 2006 By: In:

You are not refinancing with Countrywide Home Loans ( A - paper loans ). You working with their B/C paper department Full Spectrum. As a former employee, full spectrum is where I would send clients who did not fit the A-paper ( i.e. better rates, term, no prepay etc.). Please visit a site called www.msfraud.com. Then go to the forum section and look up a post of Nye Lavalle. Send him an e-mail 'cause he loves fighting this kind of bait (CHL) / switch (Full Spectrum) game. CHL used to be a great company until bad, greedy people got into certain VP positions. I left because i could not stomach watching a great company go into the gutters just for the stockholders. Enron, anyone?

Left: March 23, 2006 By: Thomas Martin In: Los Angeles

Hi my name is M Thomas Martin & I have the National Mortgage Complaint Center. We are involved in a Countrywide Investigation involving minority or low income homeowners in California that refinance with Countrywide after what appears to be a come on letter suggesting they will get "1000s" of dollars with no credit report or appraisal. The borrower then appears to get stuck with a higher interest rate and a prepayment penalty. Then within weeks the borrower is getting more come on letters from Countrywide/Full Spectrum that say "we can get you thousands without a credit report or appraisal. It looks like this could be equity stripping. Do any of you former CW/FS employees know anything about this. Does the company realize its doing this to the consumers. Feel free to contact us on this or post your comments.

Left: March 17, 2006 By: In:

http://www.ripoffreport.com/

search: countrywide

You will be appalled

Left: March 16, 2006 By: In: California

I work for countrywide and the way they treat employees is wrong, Countrywide is always hiring people it's as if were cattle , Once your hired if your in collections Like I am , if you don't meet your maps ( collecting money) you"ll get fired, If your absent and have a doctors excuse your still given a incident if you get 5 incidents your fired , The position Im in is very stressful I have gone to my doctor and was ordered to stay home for 3 days because of health reasons from work , when I returned to work I gave them my doctors note and they still gave me an incident ,Im stressed in losing my job ,they now start demanding that we work weekends without prior notice ,and if we don't show up an incident is applied .

Left: March 16, 2006 By: In: California

I work for countrywide and the way they treat employees is wrong, Countrywide is always hiring people it's as if were cattle , Once your hired if your in collections Like I am , if you don't meet your maps ( collecting money) you"ll get fired, If your absent and have a doctors excuse your still given a incident if you get 5 incidents your fired , The position Im in is very stressful I have gone to my doctor and was ordered to stay home for 3 days because of health reasons from work , when I returned to work I gave them my doctors note and they still gave me an incident ,Im stressed in losing my job ,they now start demanding that we work weekends without prior notice ,and if we don't show up an incident is applied .

Left: March 16, 2006 By: Donald Grabbe In: Yuma

Countrywide is supposed to pay the insurance and taxes on my home. However, I keep having to pay these items myself. My homeowner policy cancelled on January 21, 2006 because the mortgage company did not pay it. I was refinancing my loan to get away from Countrywide and found out that I had no homeowner insurance. Dorothy Lewis at Countrywide told the Underwriter at my insurance company that she would overnight the payment to her on March 9, 2006. On March 16, 2006 the payment still had not been received. We have been unable to determine if the check was mailed on March 14, 2006 or March 15, 2006. Either way, the check was mailed regular mail to the overnight address for my insurance company. There is no one to receive regular mail at this address. I had to pay the insurance myself and wait for the mortgage company check to get there or not get there to get a refund. Regardless, I want away from this company's incompetent business practices. Don in Arizona

Left: March 14, 2006 By: MAI HATER In: AZ

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: March 12, 2006 By: In:

Countrywide sucks so bad the employees in Chandler have to do drugs on their lunch time to put up with the fuckers in management.

What's funny is they do a background check to hire but never drug test.

Hmmm . . . . maybe that's because the VPs are doing drugs too ? hmmm

Left: March 04, 2006 By: Miriam Cronkhite In: phoenix

The following is a copy of an e-mail that was sent to Countrywide. The experience is not near what happened to the founder of this site, but it is still frustrating and I am being charged for funds that I still have not received.

Ms. Harris:

First I would like to say that I would like to be removed from any type of soliciting lists because I will consider phone calls and e-mails to sell additional service...harrassment.

In case you don't remember my case, let me review what has occurred with my home equity line of credit. As of Saturday March 4th I still do not have the funds available to me, well over 30 days from the day the loan was "locked in". It was described to me that at the beginning of that 30-day period the rate would be locked in. But the day before the signing, after weeks of negotiations, I find out the rate will be 11%--a signifigantly higher rate and something I would not even bother with had I not had so much of my valuable time into this. I did not want to start the process over with another lender. I was told that if the home was appraised for less that less amount would be available. In actuality there was no option for a lesser amount at a reasonable interest rate.

I still do not know if my Mastercard has been charged for the appraisal. First it was hand-written in the documents from Yvonne to send my credit card info, even though I had already given it to you. Then I was told it was charged. Then I was told it wasn't. Then I asked to be informed when I am being charged for the appraisal, along with the amount. I never was.

After signing on Saturday Feb 26th, I was told the funds would post in no less than three business days. But I had no idea if the signing agent had mailed it and if the papers had been received. I waited for several days, thinking Yvonne would contact me to tell me to expect my package with the funds. But she never called and I called her Friday. She did not know if I needed to sign for it, so I waited all day and went into work later. When I left at 4pm, it still had not arrived. Meanwhile, when I came home later it was just laying haphazardly on the ground outside my door--a package with all my personal info it and checks!

When I talked to Yvonne that day, she confirmed that I had chosen to have all the checks overnighted and to take the full amount on the remainder of the funds. The package I received from First American Title had a cover letter stating that all the checks were enclosed, listed seperately. But the check to me for over $26,000 was not there. Meanwhile the checks made out for my debts needed to go out today, as they are due, but I didn't want to overpay by sending another check. So they may be late, since I refuse to cash anything until someone tells me where my check for $26,000 is.

In addition, it was never made clear to me that once refunding the line of credit, how do I draw on it again??

The process has been long, painful and not at all a progressive move in my financial direction due to the ridiculous last-minute increase in the interest rate.

In addition I wonder why I would stay with Countrywide for my home loan, since it is obvious that customer satisfaction is not of value to this organization. I kick myself for not going through a bank, with a face to face person. It is at least a little harder to deceive when you are looking someone in the face.

My only consulation is that there are consumers all over the map who have had very negative experiences with Countrywide. I do not feel singled-out, but feel that many are treated much worse than I. I know that both you and Yvonne tried to make the process painless, but obviously people are undertrained. This website says it all. http://www.countrywidehomeloansucks.com/

If this company plans to stay in business, I would hope it starts paying attention to the needs of the consumer and the fact that we are educated enough to discourage people from having to suffer through a similar experience.

It would be nice if you could forward this to Yvonne and any management that might be interested in reading this. I will be posting on the complaint site as well. Also, I am a consumer reports journalist who doesn't have a huge readership, but I strive to keep my community informed. And I will be mentioning my experiences (and the website) in an article on refinancing.

I would expect that the remainder of my funds be wired to my account Monday, instead of sending another check, since this has proven to be an ineffective method. Also, I would like to know how to make future withdrawals from the line of credit once I have refunded the account.

Unfortunately, at this time, I will not pay the penalties to refinance my home loan through another lender and will not take the time to refinance another line of credit through another lender--so I am stuck. But I feel that Countrywide does have an obligation to explain to me where my funds are and why so much mis-information was given to me. It would be great to hear from a manager.

A very disappointed customer,

Miriam Cronkhite










Left: March 02, 2006 By: toni In:

This is a stupid company that gets rid of it's best people because they go to lunch for too long (non VPs)




who cares?




No one can do what Countrywide can!




Left: February 26, 2006 By: In:

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

Left: February 13, 2006 By: In:

brian "fat ass " hale is destroying CHL. it is sick that this piece-o-shit can ruin one of the best mortgage banks in the country.

Left: February 13, 2006 By: In:

what the F is wrong with Countrywide?

Left: February 11, 2006 By: spell check, please In: woodland hills, ca

I stumbled across this website the other night. What a hoot!! Tried posting for California, but it won't let me. Former CHL employee here -- it is what it is ... I don't think that Countrywide is any different than any of the other big lenders - ie WAMU and Wells. Having worked at CHL, yes, we have severe customer service issues -- but so do the other lenders. So the grass is always greener. Most of the complaints that I've seen are against Retail/Full Spectrum Loan Officers - Seriously, what do you expect? They work out of CALL CENTERS. Most are young and hungry and are barely high school educated. These are not MBAs, people. Countrywide's biggest mistake has been to disregard their existing human capital-- I'm talking about the employees who have worked for Countrywide for 5+ years (many have been w/ the company for 10+ yrs). These are the people who came up when Angelo was very much active in day to day operations. These are the people who at their core understand that service is all we have. These are the people who tirelessly make it happen everyday, in every department. Now, management is looking to "grow market share" so the mucky-muckys go out and bring in outsiders - who have NO CLUE about the "Countrywide culture". So these mid level managers come in, have no clue, make no valuable impact on anything and then leave with their big fat signing bonuses when their contracts are up.
For all the disgrunted customers - I truly am sorry. It is frustrating. Here is the bank that helped you finance the American Dream and this has been your experience. Don't just blame Countrywide - look around. Look how many mortgage companies go under every year due to misrepresentation, scandal and lawsuits. More importantly, why on God's green earth would you allow yourself to let a telemarketer/mortgage loan officer do your loan??? Go to the bank directly. Know your rights. Ask around. BE AN INFORMED CONSUMER. Make your LO go over the GFE line by line. Make your LO walk you through the loan process - start to finish. ASK QUESTIONS. Usually people who feel "ripped off" somehow didn't read the fine print. ***And for all of you out there -- a "no point, no fee" loan will cost you more in the end: you end up with a higher rate and you can't write off a LO's rebate. Whereas if you bring in funds to pay your closing costs, you can write off the LO's origination fees.

Left: February 07, 2006 By: In:

BOYCOTT HOME DEPOT!!!
February 3, 2006

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

Left: February 05, 2006 By: In:

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

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: In:

brian hale clogs toilets

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

Improper Home Charges

Read then File a complaint

www.zimmreed.com



Left: January 31, 2006 By: Domini In: Glendale

Hi I just wanted to let everyone to know Countrywide home loan story. I have only been with this company(not by chioce mind you ,my loan was SOLD TO THEM)No, I don't work there or have I ever. 3 months ago my home went into forcloser. Yesterday was my sale date. I tried to save my home for 3 months!!!! Countrywide would not even cosider a payment plan with us!!! and because I could not come up with $7000 by 5:00pm yesterday. Excuse me... my childern are awake and I have to go tell them that we are homeless. Thank you CountryWide your number fucking 1!!!!!!!!!!!!!!!!!!!!!!!!!!!!

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 28, 2006 By: C ROBERTS In: AZUMA

CW; THE KINGS OF "BAIT & SWITCH"; AS SOON AS WE GOT INTO THE LAST FURLONG, CW DECIDED I DIDN'T QUALIFY FOR A STRAIGHT 30 YR FIXED LOAN. SAID MY CREDIT WAS GOOD ENOUGH. SO, TO MAKE THE LOAN FLOST, THEY CONVEWRTED IT FORM A 30 YR FIXED TO A 30 YR FIXED WITH A 10K ARM PAYMENT PAYABLE WITHIN THE FIRST 10 YEARS OF THE NOTE. AND AT THAT POINT THE 5 3/4 & NOTE WOULD JUMP TO 10 3/4 % AS SOON AS I MADE THE FIRST PAYMENT.

BUYING A HOUSE OR REFINANCING ?????? THINK TWICE BEFORE YOU SELECT CW AS THE MORTAGE HOLDER. THEY ARE IN THE TOPS OF THE LIST OF COMPANIES THAT ARE TAKING THE PROPERTIES BACK FROM THE PEOPLE THAT HAVE PAID FOR YEARS ON THEIR HOUSE. THEY HAVE SEVERE COMPETITITON AMONGST THEIR EMPLOYEES TO MAKE QUOTA. AND THAT STATEMENT IS FROM ONE OF THEIR OWN THAT NO LONGER WORKS THERE. THEY DON'T GIVE A DAMN ABOUT YOU AND YOUR MONEY, ALL THEY WANT IS MORE.

THEY HAD THE AUDACITY TO ASK ME IF I WANTED TO REFINANCE AT 7 3/4 % WHICH IS A LOT HIGHER THAN THE 5 3/4 I AM NOW PAYING, TO GET RID OF THE ARM PAYMENT. WONDER WHAT THEY WOULD PULL AT THE LAST MINUTE IF I DECIDED TO GO WITH THEM.

IF YOU DEAL WITH THEM AFTER READING ALL THE HORROR STORIES; YOU BELONG TO THE LOLLY-POP CLUB: LOLLY-POP: CANDY ON A STICK WRAPPED OIN CELLOFANE; I.E. ALL DAY "SUCKER".

Left: January 27, 2006 By: In:

Is little Kevin still working in Chandler?

Left: January 27, 2006 By: In:

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

Left: January 27, 2006 By: In:




Left: January 27, 2006 By: In:

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

Left: January 27, 2006 By: In:

yea, right...and how much in advertising $'s did chl have to spend in order to make this little list by this magazine ? keep on drinking the kool-aid.

Left: January 27, 2006 By: In:

FORTUNE 100 BEST COMPANIES TO WORK FOR - 2006

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

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

Left: January 26, 2006 By: In:

Thank you for contacting the Federal Citizen Information
Center.

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

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

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

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

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

We hope you find this information helpful.

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


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

Consumer Notice: Sweat shop Employees lookup www.gdblegal.com
Fee Overcharges Appraisals www.sherlocklegal.com
Wrong Doings www.jameshoyer.com
ripoffreport.com

Left: January 16, 2006 By: In:

Ask Countrywide for an escrow analysis of your mortgage if they are withholding Taxes and Insurance. Arizona is a zero plus escrow account State. That means they cannot withhold extra 2 months of taxes and insurance legally. They will try because they are idiots and they make lots of interest on the impounded money. Contact Az State Banking or the Attorney General's office if you find them taking out too much escrow money.

Left: January 06, 2006 By: KP In: Prescott

For two years, I have made an extra principal payment in March totalling my usual mortgage payment. This, to "buy down" the 30 year mortgage.

For two years, regardless the figure was entered in the "Additional Principal" box, Countrywide has applied the payment to the next month's usual mortgage payment.

The first time this happened, it took 20 mnutes on hold before I could resolve it and request that they apply it to principal ONLY.

The second tine this happened, I went to a local Countrywide office. The officer there dialed a direct number into Countrywide and I resolved it inside 5 minutes.

I imagine the same thing will happen this year. The officer also told me, "Oh, they never read the payment forms, they just enter the payment amount.

*sigh*

Left: January 06, 2006 By: AJ In:

Is Kevin still fawking around in Chandler?

puke>>>>>>

Left: December 29, 2005 By: In:

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

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

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

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

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

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

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


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

Left: December 29, 2005 By: Kathy Medeiros In: Sierra Vista, AZ

I agree that Country Wide Home Loans is horrible. There are several reasons I believe this that I'll share. Our home loan was bought by Country Wide from our original broker, Long Realty. Once Country Wide had our loan, they added on charges for every payment we made. Further, it is nearly impossible to get ahold of a customer service agent through their 800 number. Lastly, when I went into a Country Wide office, the service rep was rude to me. While I was asking him questions he said "can I get a word in...will you let me talk!". It was hostile and unnecessary. I'm happy to say we refinances for a better rate with Wells Fargo and have great customer service and no hidden fees.

Kathy Medeiros
Sierra Vista, AZ

Left: December 21, 2005 By: Mark In: Prescott AZ

You dipshit morons. If you did'nt want country-wide as your lender, than why did you choose them or a broker! Good credit individuals can do a little research and just walk into the bank..and BAM! done!

The owner of this site is a whining crock of crap.

Left: December 20, 2005 By: In:

jimmy - you are SOOOO lost.

Left: December 15, 2005 By: Jimmy Rogers In: Scottsdale Arizona

Readers:

I just wanted to write a quick note to inform the readers that Countrywide is one of the only legitimate Mortgage companies in the entire country. They are honest and tell you exactly what you are getting even if it makes your ears hurt. I had a bankruptcy and they helped me with a loan that lowered my payments and helped ease my overall monthly payments. If it wasn't for my loan officer Taylor Perkins who helped me save over $1000 dollars a month and let me sleep a little bit easier at night I would have lost my home. He works in the Phoenix office and he was a pleasure to work with, I wish that all the brokers out there could take a page out of this kids book. Not every thing you read on this website is true, just a bunch of disgruntled employees who couldn't hack it and feel it neccessary to bash a company that paid there bills. Furthermore, I know a bunch of different people who have voiced their opinion on this website andnever posted it. Thanks for your time.

Left: December 15, 2005 By: Jimmy Rogers In: Scottsdale Arizona

Dear Countrywide sucks readers:



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

If you are a responsible citizen and have a truly legitimate gripe, then this comment is not for you.
Thank God for people like Michael Harmon, former CHL employees. Michael did not defend or discredit CHL. What he did do was offer to assist anyone needing help. Some of you adults are in financial trouble now because your parents never taught you anything. Now you are parents and not teaching your kids. If you can afford it, buy it, but don't try to keep up with the Jones'. Why are married couples each making 6 figure salaries, living paycheck to paycheck? Always got your hand out borrowing to payoff something. How 'bout this. Before you borrow another dime; cut your cable off, don't eat out for breakfast/lunch/dinner, stop smoking/drinking, cut back on cds/dvd's, stop buying every fad shirt/pants/shoes that hit the market, etc. You do this for 2-6 months and you will see the money that you worked hard for going into your bank account. Some of you have expensive cars, expensive homes and clothes, yet your children don't have a dime saved for them towards college.

To go off the subject - some of you send your children to school expecting the school system to teach them manners, how to read/write, that's your job!!!!!!!!!

No matter what color, race, religion, we all want the same things. When people try to give some of you knuckleheads good advice, take it. Stop waiting for Oprah to tell you what you already know is right. And stop making the excuse that your mom or dad never taught you.



Left: November 30, 2005 By: Good Solid Customer In: Peoria, AZ

Paid off a home loan in full in June 2005. As of Nov 2005 CW is holding over $1,200 of our escrow funds and will not release it to us. Very very long story but we are getting HORRIBLE service and cannot find ANYONE who cares.

Left: November 15, 2005 By: unfortunate customers everywhere In:

To upset employee-
We are all very sorry for the emotional damage we have caused you.

Left: November 15, 2005 By: Upset Employee In: Phoenix AZ

I have read quite a few stories on this site, and I must say, if most comsumers did some research and had a clue what they are doing, most of this site would be empty.
Here are a few examples of BS stories posted, and my personal replies to easily fix the problems: "Countrywide keeps raising my payment" - Fisrt off, WE don't raise payments. Payments are adjusted based on the paperwork YOU signed, in front of a notary, at closing. If you signed an adjustable loan....guess what? that's right, its going to adjust. This adjustment is based on the index YOU chose, i.e LIBOR, MTA, etc. Watch the rates, and watch what you sign. As for taxes and insurance payments, that has to do with YOUR insurance company, and the county, we simply pay the bill as a courtesy to you.
As for the post on this page on the 23rd of October, the difference between what you owe, and what was paid, must be refunded to you. The difference in $$ between what you are getting and what you think you should get goes as follows; when you make you October payment, you are paying for interest accrued in September, so you payoff will be higher then your balance, it's called "simple interest". Also, per-diem interest (interest accrued daily on your account) so if the loan was paid off on October 15th, and you made your October 1 payment, you still owed interest from October 1-15. It is not legal for us to keep monies not owed to us. Do the math.
Let's try the post before that one, on October 13. Nicholai, did you think you didnt have a payment due since a statement didn't get sent out? Wouldn't common sense tell you that you have a payment due on the same day each month? Here are a few suggestions for the future. If you don't get a statement by the 1st of each month, CALL THE 800 NUMBER, GET THE PAYMENT ADDRESS AND ASK HOW MUCH YOUR PAYMENT IS. or... GO ONLINE AND LOG INTO YOUR ACCOUNT AND SET UP AUTO-PAYMENTS, that way, you won't need to look in the mail for your statement, we'll just debit it from your account each month, no hassels, no checks to write, no statemetns to look for.
We'll do one more..James, on September 6th; James, if you did a loan that needed 2 appraisals, that means one of two things, one, you had a Notice of Default for not making your payments for FOUR MONTHS, or two, you decided to do a no doc loan. If you did a no doc loan, i can only think it was because you couldn't prove any income, or you didnt make enough cash to qualify for a conventional loan. In either case, if you were getting cash out, why would it have made a difference if your credit card was charged, or if you were billed at closing? either way, its $300. Also, when you recieve a final settlement from a title company, your loan is complete, hence the term "final". This goes back to the first story, READ WHAT YOU ARE SIGNING, IF IT IS NOT CORRECT, DO NOT SIGN.
I hope I didn't come across as harsh on this, but after reading story after story of people bashing my company, most of which are upset because of their own mistakes, I get a little upset. Are there a few bad apples in our company? Yes. Are there a few situations where we screw up? Yes. I am a top producing account executive and I must tell you, 99% of my customers send me their friends and family as new customers. If we are so horrible, why would people to that? If we are such a terrible company, why do we have the highest number of return customers? If you would like to find a company that hides fees, or sells you outright lies, try to get a loan at your local broker shop or Ameriquest. Until you've dealt with people like that, do not bash one of the last honest mortgage companies in the country.


Left: November 14, 2005 By: Connie Brown In: Sacramento

Racketeering Influence Corrupt Organization (RICO)

Countrywide Home Loan's, Inc. dba's American Wholesale Lender's, Landsafe, Full Spectrum, Texas Bank (Riverway), and Alaska US

CTC Real Estate Sevices is wholly owned by Countrywide Home Loans. (they handle all notices pretaining to foreclosure)

Countrywide Home Loans have their owned Title Company. (Landsafe Title)

Left: November 03, 2005 By: LIVE WITH PASSION! In:

I'VE NEVER READ SUCH BS, AS I'VE READ JUST NOW! I HAVE A FEELING MOST OF YOU BABIES WHO GOT FIRED BECAUSE YOU WERE DOING FRAUD OR THOSE WHO THINK GOT THE SHORT END OF THE STICK PROBABLY HAVE 500 FICO SCORES, BECAUSE ONLY UNGRATEFUL BRATS COMPLAIN. CHL IS AMERICAS' #1 RESIDENTIAL MORTGAGE BANK IN THE WORLD! NO OTHER BANK CAN COMPETE. OUR RATES, OUTSTANDING CUSTOMER SERVICE, AND UNDERSTANDING OF THE MORTGAGE INDUSTRY WILL ALLOW US TO DOMINATE FOR YEARS TO COME. 1 OUT OF EVERY 3 PEOPLE HAVE A CHL, GO ASK YOUR NEIGHBOR HOW HAPPY HE/SHE IS WITH US. I DARE YOU!
THIS GOES TO ALL THE STUPID PEOPLE ON HERE: WHAT MORTGAGE BANK DO YOU KNOW THAT SPLIT 3 TIMES IN ONE YEAR AND HAD A ROR OF 90%?? ANYONE? YOU THINK WAMU, CHASE, WELLS, HAD A ROR OF OVER 90% IN ONE YEAR?? NO! THEY DIDN'T! BUT COUNTRYWIDE HOME LOANS DID. I SEE WHY THE AUTHOR OF THIS WEBSITE CREATED THIS WEBSITE; TO MISINFORM POTENTIAL CUSTOMERS FROM DOING BUSINESS WITH US. WHY IS IT THAT THIS WEBSITE ONLY HAS NEGATIVE POSTS?? NOTHING BUT A BUNCH OF BIAS KIDS. I'M GOING TO BE CHECKING IN A WEEK TO SEE IF THIS POST WAS POSTED, IF NOT THEN I KNOW WHAT THE AUTHOR HAS IN MIND AND THAT IS TO WEAKEN COUNTRYWIDE HOME LOANS. HE/SHE WOULD HAVE TO KEEP THIS WEBSITE FOR 10,000 YEARS BEFORE ANYONE STARTS HAVING DOUBT IN THIS COMPANY. IF SOME OF YOU GOT FIRED FROM THIS COMPANY, I'M GLAD! WE DON'T WANT YOU ANYWAY. WE ONLY WANT THE BEST WORKING HERE, GO TO OUR COMPETITORS THEY'LL HIRE YOU/ AND WE'LL CONTINUE BEING #1 IN THE WORLD IN RESIDENTIAL HOME LOANS. TAKE CARE GOD BLESS!
PLEASE ASK ME ANY QUESTION. AND STOP COMPLAINING THAT YOU DON'T KNOW WHERE TO SEND YOUR PAYMENT, THAT COMMENT IS AS OLD AS DINOSAURS. CALL THE MORTGAGE CONSULTANT YOU DEALT WITH AND HE'll DIRECTED YOU IN THE RIGHT PATH. WE ARE HERE TO HELP YOU ALONG THE WAY, FROM YOUR FIRST CONTACT, TO THE CLOSING TABLE, AND YOUR PICNIC AT YOUR HOME WITH FRIENDS AND FAMILY! THANK YOU FOR YOUR BUSINESS! GOD BLESS! LIVE WITH PASSION!!!!!!

Left: October 23, 2005 By: Headed for a crises In: Garden Grove Ca

I'm headed for trouble first off all cw must put down the crack pipe and refrain from any further use of narcotics.Can you even beleive these scumpuppies .First off i received my refund from
cw ,after being nice and paying my last months mortgae so i would not have a 30 day late on my credit. long story short cw subtracted the difference between my last payment and what the refi co paid them (for the same month) .so wish me luck in trying to convince these banksters that they owe me 2100 dollars.............lol the concerned so cal.

Left: October 13, 2005 By: Nicholai Clark In: Phoenix

I've a home loan with Country wide, when I got a late charge fee I asked them to send the invoices on time, and the response I got from them was that the invoices were only a courtesy.

What a crock of shit.

Nicholai Clark

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 16, 2005 By: In:

Duhhh...I'm writing this veery slooowley...cause I know you can't read very fast...can I get a job with the pot heads at CW too?

Left: September 14, 2005 By: In:

You are an uneducated piece of shit making generalizations like that.

Left: September 12, 2005 By: Jack Mehoff In:

The best three years of a CW ASSociates life are the eight grade. Wow, thay are real fucktards!

Left: September 10, 2005 By: Brittany In: Scottsdale

If you have a complaint file it with State Banking, they regulate Countrywide and all mortgage brokers/bankers.

Left: September 09, 2005 By: In:

James you are a fucking moron.

Left: September 06, 2005 By: James Garner In: Phoenix

I just completed a refi through Countrywide and was initially told that there would be no charge for the appraisal fee if the loan was completed thru closing. The loan officer said that a credit card was needed as if I backed out of the deal after the appraisal,I would be charged. He also guaranteed that no charges would be added to the card unless I backed out. After mulling over whether to proceed for several days and with calls and reassurances from the loan officer we relented and gave in. The same day that I gave him the card number the charge appeared to my account. When I called, complained, and demanded that the monies be credited back to my account I was told that at closing all charges would be reversed and that I would be reimbursed. You guessed it, when the closing finally came(I had been guaranteed 25 days or less and it took seven weeks)there was no reimbursement. When I stopped the transaction and started to cancel the deal, they agreed to make an addenum to the loan and readjust the costs. You guessed it, or maybe not, by the time that I recieved the final settlement copy from the Title company, the seventy two hours to rescind the deal had passed and what Countrywide did was add the cost to the loan amount so that my cash out would be greater. So what they have essentially done is have me pay for two appraisals and with interest to boot. In retrospect, about everything that I had been told by the loan officer had been either inaccurate or a lie. Needless to say, in addition to now having to go through RUN AROUND HELL trying to get reimbursed, I am now getting ready to refi again not only to get away from such a blood sucking company such as countrywide but also because consumers should not do business with any company that allows such unscruptious practices.

Left: August 23, 2005 By: In:

They don't have control over what the appraiser charges. Sometimes it's more than $300. I've seen some offices eat the fee, however if the BM is an ass he'll demand the overage be charged to the borrower on the HUD. Valid point though. The AE should have told you up front that the appraisal may be more than $300. He/she is in the wrong on that one.

Left: August 20, 2005 By: David Jennings In: Peoria

Countrywide's loan officer told us we needed to pay $300 in advance for the appraisal of our home before he would begin the loan process. This is a reasonable and customary fee for appraisals and it is normal to request such advance payment. However, during closing the itemized closing costs showed $180 charge for "appraisal". We disputed that saying we had already paid this appraisal fee in advance (which we did). They bacpeddled by saying the apprasial fee was actually $480 and they just charged us $300 of it up front. This is baloney. They never told us the charge was a partial payment for the appraisal. He simply said the fee was $300 for the appraisal. They refused to make the changes and insisted the deal be closed as is. We are filing formal complaints with several organizations about their unscrupulous business practices. We will also file complaints against the appraisal company "Landsafe" in California. Pleas elet me know if anyone else has been a victim of their "double-dipping" charges.

Left: August 10, 2005 By: In:

E-Loan is what's called a coorespondant lender. They basicly pick the investor who is giving the lowest rate with the most premium to them. In this case the investor was Countrywide. E-Loan may fund the loan, but won't keep it very long as they ultimately get their funds from someone else. If you are going to do business with a company like that you can dictate who the investor will be upfront. However, you won't be able to predict who THAT lender will sell your loan to.

Left: August 10, 2005 By: In:

Pat in North Carolina

I obtained an initial mortgage through ELOAN. Several months after my closing the note was sold to Countrywide. I continued to make regular payments at the amount that I had agreed to based on the terms of my original loan agreement. After a couple of months I receive a statement and the loan payment had increased approximately $125.00. I proceeded to call them and spoke to several customer service reps. The first two had no clue why the loan payment was raised. The next rep I spoke to proceeded to tell me how they needed to take a reserve as well as also increased my escrow holding to make sure all insurance and tax payments can be convered "for my own benefit" I was told....but when I asked them how it is that my PMI payment went from $198.00 to $311.00 no one could tell me why that is. I contacted my previous lender and even learned that the pmi holder is the same company. I see no reason how they could raise my PMI. I have since spoken to a supervisor who is suppose to call me back soon to let me know what is going on. Anyhow, if anyone has any advice I would welcome it. I use to be a loyal customer with this company as I have purchased several homes with them over the years, but have grown sour ever since. Especially after I realized they withhold much more than is necessary in escrow. This is an unscrupulous and unethical lender and I would never recommend them to anyone. Had it not been that ELOAN sold my loan I would not be doing business with them.

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

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

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

90 days from Countrywide? Unless you refi'd an existing loan and were already late, that's really not possible. You said a 90 notice. You got this in the mail or you checked your credit and a 90 popped up? I generally takes anywhere from 30-90 days for things to report on any of the 3 major bureaus as it is. It is possible that the credit bureau itself may have made a mistake. Things do happen. It's not unheard of for TU or Equifax to report something to the wrong social security number. After reading credit reports for 8 years believe me I've seen just about anything you can throw at me.

Left: August 03, 2005 By: Gavin In: Phoenix

My loan was originated in January 2004. The first payment was March 1, 2004, which was paid on time. On FEBRUARY 2004, there was 90+ late payment notice. GO FIGURE, you CW MORON

Left: July 31, 2005 By: In:

Where did you get such bs? I haven't seen any 90's on any CW customer's credit who wasn't 90 days late. Pay your damn payments and stop blaiming other people because you can't make a payment on time!!

Left: July 29, 2005 By: Gavin In: Phoenix, AZ

For the folks using Countrywide mortgage loan:

Countrywide did it again. In recenr weeks, their computer had a glitch, so they inadventually reported 90+ late payment on millions accounts to all four creit reporting bureaus.

I just got my credit report which shows their is one time 90+ late payment on my account even though I have automatice bank deduction plan.

They said it take 60 days to fix it.


Check your credit report and call the damn company it their is a late payment record....

Left: July 25, 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 29, 2005 By: Lee In: Atlanta, GA

I refinanced my home with a local credit union in May of 2003. Within 2 months they sold the loan to Countrywide. I immediately signed up for electronic direct payment (debit) from a separate bank checking account (not with Countrywide). That went "ok" until I started making extra monthly princpal payments to try to pay down the loan. They credited the extra prinicpal only payments as extra regularly monthly payments (interest + prinicipal). Each month I would have to call and spend 15+ minutes on the phone to try to get the charges reversed and the prinicipal posted correctly. Around the Nov-Dec timeframe of 2003 I noticed that even when I called & got the payment posted correctly--the interest calculation for the following month did not agree with the Quicken Financial Program or an Excel spreadsheet I created to track the loan. I talked with 5-6 people in customer service and finally someone inadvertantly admitted that they were not doing straight monthly compounding. I told them that I had not been notified of any change in the terms of the loan and I had not agreed to any. I related how that when they assumed the loan for the first 4-5 months they honored the original terms of the credit union with standard monthly componding, and that the same terms had been kept in effect the 4 other times this loan had been sold to different mortgage companies over the years. She said that a change had been made on to how to calculate interest on the outstanding balance based on the day in the month an extra prinicpal payment was posted to the account, and that there was a corporate decision not to notify customers. I have requested at least 10+ times (about half in writing) since November of 2003 to get the formula that is being used to calculate compounded interest. Everytime I have either been ignored or mailed an account report show all the errors with no expanation. As of this writing, they have had my loan for over 22 months and I have 18 charge reverals or due date adjustments. It took four 1098 statements to get a corrected one for the 2003 tax year, and as of this writing (6/29/05) I have not received a correct 1098 for the 2004 tax year. I filed for an extension on my taxes and have not filed teh final return for fear that it will trigger an IRS audit. I highly encourage anybody that has a Countrywide loan and has paid any extra principal to check their statement with a amortization program for accuracy. I'm not a legal expert, but I believe this has occurred to customers across the board and probably constitutes some type of "class action" lawsuit. If you have had a similiar experience email me at: lc_controls@yahoo.com
If you don't have access to amortization calculator, I created a simple one in an Excel spreadsheet that I can email you.

Left: June 26, 2005 By: David In: Texas

Note to C. Allman in Paradise Valley...

Your post was interesting, and right on the money. I've had several occasions to deal with different people in different departments and locations with Countrywide and I noticed the same darn thing: nobody knows what anyone else is doing.

The department heads at Countrywide couldn't make a damn grease sandwich or organize a one-car parade. I got so many different answers, different dates, different figures from various Countrywide departments that I finally just gave up and went straight to the "office of the president" at Countrywide and told them to fix their internal mess.

Know what's REALLY sad? There's more than one employee in the "president's office" and even THEY couldn't agree with each other!

What a screwed up place. Avoid them at all cost!

Left: June 17, 2005 By: Lance In: Austin

Here's the bottom line on talking with ANYBODY from Countrywide on the phone: get everything in writing from them. EVERYTHING IN WRITING.
I know this sounds cynical, but there are too many people at Countrywide that give out too many conflicting answers and too much wrong information.
Getting a straight answer from the people at Countrywide is almost as bad as getting a straight answer from the IRS. And that's damn near impossible.



If you don't yet have a loan with Countrywide, AVOID THEM no matter what. If you are getting a loan from another company, good for you but remember this: WRITE INTO YOUR CONTRACT THAT YOUR LOAN IS NEVER TO BE SOLD TO OR SERVICED BY COUNTRYWIDE.


Left: June 11, 2005 By: Arizona Mortgage Broker In: Arizona and most of the United States

I agree with "Countrywide Doesn't suck." As an experienced Mortgage Lender and Broker. I do not work for Countrywide but many of you may not be aware that MANY MANY MANY BROKERS sell and fund Countrywides loans. I am employed by one of Arizonas Largest Lender/Broker and our Banked loans we sell are mostly of our private labeled Countrywide loans. I will say you can MOST DEFINATLY speak with a bad seed. I doubt Countrywide goes around saying they are PERFECT do they? They are large and offer great programs as do many others. Bottom line is if you get a good lender, you will have an easy smooth time getting the home funded. I say again, I do not work for Countrywide and I can't tell you how many loans we have done the same thing to in our branch and company as a whole. It happens when you deal with someone who doesn't know the loans and doesn'tack when something needs to get done. Good luck to you but I would strongly consider at least calling your local branch to see what they can do. I say that because I am friends with someone who works there and when I asked their fees, points, rates and turn times, my jaw hit the desk because no way could I do a loan for that cheap or fast. I have to charge points and fees and broker fees if I don't bank it and they can do this because they deal in volume. If you want to pay more in interest and fees BUT want more personalized attention then go pay 3 points to a broker. Good luck to everyone and its too bad I can publish my number for anyone who needs a good loan. Hey I wonder what the charges would be to place an add on this site?? Wow what a great way to gather customers, going after ones Countrywide messed up on.
Maybe I will start another hate site.

Left: June 09, 2005 By: Jan McClellan In: Chandler

Recently there was a piece in the East Valley Tribune touting the Valley's anticipation of CHL opening a branch in this area resulting in several hundred new jobs. Thank you! for the warning about these crooks. I will definitely not apply. Now to the task of switching my mortgage (which CHL bought without my knowledge) to another lender.



Left: June 02, 2005 By: MATT In: AZ

After 4 months (8 phone calls) of trying to get my correct address on my heloc checks, CW finally told me, "Use the checks with the incorrect address we don't know how to get it changed." What a bunch of morons!!! I think the best 3 years of a CW employee is the seventh grade!!

Left: May 27, 2005 By: KD In: Phoenix

Countrywide has been lying to me about the status of my loan for the past three weeks. Every few days they call to ask for the "last" piece of paper they need for my loan. I just lost the house of my dreams because Countrywide FU my loan after telling me that they would have no problem. Anyone know a good lawyer?

Left: May 23, 2005 By: Loan Consultant In: Glendale

To Hal:

You stated you used an broker and they fees were higher. Brokers can submit loans to banks on the wholesale side and SAVE YOU MONEY! And not all banks offer every loan program so sometimes it is in the best interest of the customer to broker out and get the the best rate/fees!

Left: May 23, 2005 By: LO In: Phoenix

I am a loan officer. My client wanted to transfer their refi to me so I called Countrywide and they refused to release the file even after I had a letter signed by the borrower.

Also, I figured out the rate and program and estimated Countrywide charging 3 pts on the back.

And, retail solicts customers from leads on the wholesale side.

Left: May 19, 2005 By: In: Scottsdale

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


Left: May 05, 2005 By: C. Allman In: Paradise Valley

My loan has been removed by auto-pay system twice. This bizarre action has been for no reason. They inform me of this when it is too late to remove late charges. I spend 2 hours a month on the phone with these people. I am an investor with 6 mortgages and don't have time for their mistakes. I hate Countrywide. Countrywide's departments never have any knowledge of what the other departments are doing. They are nonsensical! They send me conflicting letters and expect me to deal with their mistakes or lose my credit. I WILL NEVER USE THEM AGAIN!!!!!!!! I will write this on every loan app. for the rest of my life! "THIS LOAN MAY NOT BE SOLD TO COUNTRYWIDE!"
---C. Allman 602-953-7853

Left: April 22, 2005 By: Hal In: Tempe

I have been a Countrywide customer for over 20 years and have been very satisfied. I used a broker once in those twenty years and the fees were much higher and the service unsatisfactory. In fact, two months after I executed the loan, it was sold to Countrywide and it was smooth sailing afterword.

Left: April 10, 2005 By: ha In: haha

country wide sucks hahahahaha

Left: March 09, 2005 By: Jaman Swearingen In: Scottsdale

These pricks kept me on the phone for 15 goddamn minutes when I tried to get my loan number. After the 5th time of me asking for my loan number and recieving the 5th "in a moment" I asked for his supervisor. He put me on hold then came back on and said his supervisor was out of the office but that he would send me to his voicemail. So I said gimme my loan number and then voicemail, he said since I asked for his supervisor he wasn't allowed to talk to me anymore and sent me to his voicemail.

Left: February 27, 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 23, 2005 By: Jeff Lee In: Lake Havasu

Rick, I am a loan consultant and can tell you this is something I know for a 100% fact because it has happened to me and many of my co-workers: Countrywide took 1 month to send your payoff demand after you ordered it because in the meantime while you thought you were just waiting on the demand, their retail division has access to those orders and will contact the borrower (their current client that they do not want to lose) and low ball them on the same rate you offered them but with NO CLOSING COSTS or APPRAISAL so they say. If you are a loan officer and in the process of a refinance where the loan is currently owned by countrywide I highly suggest you inform your borrowers that they will be contacted by them with a lowball quote just to keep them as a customer but it is not true and they will just end up losing a good deal through you. COUNTRYWIDE HOME LOANS truely does suck and they are crooks. Whoever started this site is a genius and should be awarded with a medal of honor for letting customers and borrowers give feedback of such a horrible company. Never obtain a loan through them unless you want to get ripped off!!!

Left: December 01, 2004 By: RICK In: HUNTINGTON BEACH

IM A LOAN OFFICER FOR A BROKER FIRM AND I HATE COUNTRY WIDE HOME LOANS. IM IN THE PROCESS OF A REFI WITH A CLINET AND ITS TAKEN THEM ALMOST A MONTH TO RELEASE MY PAYOFF DEMAND! THEY TAKE THERE SWEET TIME ON DOIN ANY WORK AT ALL. GOOD THING I HAVE GOOD REPORE WITH MY BORROWER OR ELSE I WOYULD OF LOST THIS DEAL! COUNTRY WIDE YOU SUCK!

Left: December 01, 2004 By: Very Dissatisfied Customer In: Phoenix

Countrywide charged me $10 for a County Recorder's Fee in July/August 2004 - supposedly to file a "satisfaction of mortgage," or as the County Recorder's Office calls it "the Deed of Release," for paying off my mortgage. It is now 4 months later, and they still have NOT filed the paperwork. I couldn't sell my house if I wanted to, because I supposedly don't even own it!!! The WITCH I spoke with last night in the customer service dept. told me that I received a deed when I bought my house and that's all I need. Then she told me in a very condescending tone that I've called them 4 or 5 times and obviously don't understand what they're telling me, so hold on and you can speak to my supervisor. HUH???? I called the first time to see if they got my payoff check; the second time to alert them that they posted it wrong and were showing I owed more money; the third time to say I had just come from the County Recorder's Office and they had nothing from Countrywide filed showing I paid off the mortgage; and the fourth time to say that the 3rd time I called I was told they had "forgotten" to file the paperwork and to re-check in a "couple of weeks". I actually waited over a month, went down again yesterday to the County Recorder's Office to check again, and still no paperwork. Countrywide was quick enough to charge me the $10, and they got my money for the house, so where is the proof that I own my home???? Would you walk into a store, purchase something, and let them tell you they'll send you the receipt in a "couple of weeks"? I don't think so!!!

Left: November 19, 2004 By: Countrwide Doesnt Suck In: Arizona

All you people are Nuts! This website was probably created by a Mortgage Broker that cant seem to drum up business on his own, so he has to try to convince the public to go with him. Thats why he has all of these links to other mortgage companies. Buyer Beware I would be concerned that the creator of this website is trying to scam you!

Left: November 09, 2004 By: This is friggin Nuts In: Nowhereville

To Kevin Rivers:

Dude, just send them one payment a month. Why are you sending them in Bi-weekly anyway. Friggin open a bank account and save the money that you would make for the first payment and add it to the next one......damn people...this site is full of people whining about bullshit. Read your contract and follow it. Don't send partial payments month after month after month. Do your own budgeting....people like you shouldn't even own a house in the first place.

Left: October 28, 2004 By: Customer In:

A satisfied customer writes in...I've received my 1st mortgage loan with Countrywide and later refinanced with them. I'm considering refinancing again for divorce reasons, but after a problem marriage, I would like to alleviate refinancing catastrophes. You definitely have given me something to think about. The big giant doesn't really need the average persons business. Yes, I also, had small problems with late fees , but I assumed that this is INDUSTRY STANDARDS to raise profits/revenue off U.S. mailing errors or payroll deposits late by hours, a day, etc.... I really do understand late fees for people who are 30 days or more late. But one date late or Countrywide processing late cause late fees. My overall experience has been good. I hope they wake up and realize that customers come first whether large acct... or small acct...


Left: October 28, 2004 By: Customer In:

A satisfied customer writes in...I've received my 1st mortgage loan with Countrywide and later refinanced with them. I'm considering refinancing again for divorce reasons, but after a problem marriage, I would like to alleviate refinancing catastrophes. You definitely have given me something to think about. The big giant doesn't really need the average persons business. Yes, I also, had small problems with late fees , but I assumed that this is INDUSTRY STANDARDS to raise profits/revenue off U.S. mailing errors or payroll deposits late by hours, a day, etc.... I really do understand late fees for people who are 30 days or more late. But one date late or Countrywide processing late cause late fees. My overall experience has been good. I hope they wake up and realize that customers come first whether large acct... or small acct...


Left: October 28, 2004 By: Customer In:

A satisfied customer writes in...I've received my 1st mortgage loan with Countrywide and later refinanced with them. I'm considering refinancing again for divorce reasons, but after a problem marriage, I would like to alleviate refinancing catastrophes. You definitely have given me something to think about. The big giant doesn't really need the average persons business. Yes, I also, had small problems with late fees , but I assumed that this is INDUSTRY STANDARDS to raise profits/revenue off U.S. mailing errors or payroll deposits late by hours, a day, etc.... I really do understand late fees for people who are 30 days or more late. But one date late or Countrywide processing late cause late fees. My overall experience has been good. I hope they wake up and realize that customers come first whether large acct... or small acct...


Left: October 28, 2004 By: Dave In: Denver

Need A Home Loan AZ, 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. If you don't have the lowest loan rate, We can Reffer you to Arizona lenders that will do a search of Mortgage brokers that will ensure your loans are best for you and have no hiden fee's.

Left: October 22, 2004 By: Mark Grzesczuk In: Las Vegas

If you are interested in ELIMINATING your mortgage with Countrywide or any other lender for that matter feel free to contact me. 100% success. Own your home free and clear in 45-60 days. Go to: http://www.mortgagegone4ever.com

or call me at 702-309-6392

Left: September 18, 2004 By: kevin rivers In: phoenix

Like most of you, I have the same problems. Mainly with late charges because of paying bi-weekly. As you know they say they do not accept partial payments unless you are on a pay plan. In my situation, I have a ARM loan. They say this diqualifies me from the pay-plan/26. So I have been sending my payments by check bi-weekly. Now because my second check says a certain amount they assume it is a partial payment and charges a late fee, even though the first check was credited and used for payments. Today I found that I have figured out their system problem. Yesterday they credited me back the late fees, however, because they put it in as a payment I was charged another late fee becuase this "payment" was done after the grace period. In my opinion their system is 20 years behind times. I have lodged a complaint with an attorney and hopefully this company and their system will be dealt with in a class action suit. Thanks for your ear.

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