COUNTRYWIDE HOME LOAN SUCKS!!

All of the following stories I have received from people who have had similar trouble with Countrywide Home Loan or, in some cases have helped to avoid trouble...or in some cases actually like Countrywide...

*MUST SEE ARTICLE*: Countrywide sweatshop article http://www.gdblegal.com/news/news_countrywide.php

File your complaint for JUSTICE: www.bigclassaction.com    www.schneiderwallace.com     www.myclassactionlawsuit.com

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Attorney General - (800) 952-5225
 

Dept. of Corp (which oversees Countrywide) 

(800) 347-6995

To Complain - mail to: Jwolhar@ncdoj.com

NOTE: 

- Another unhappy employee writes... I've worked with this company for nearly 2 years now. I am so emotionally stressed out, its unbelievable. I started back in 11/2001. Prior to being hired i was assured that CHL has excellent incentives and bonus programs. I admit for the first few months while i was in training, i received a good incentive. What happened afterwards you ask? Ha.. i noticed that bonus incentives have become very hard to get and literally impossible to achieve because they've doubled on the numbers and while some are hitting these standards others such as myself, can't. You ask why? Well simply because i refuse to service the account in a *&**& way, because all they care about is the *&*&% attempts made. Not only that, this may come as a shock to you the consumer, if you take longer than 10 minutes servicing a loan, you're required to pass it to a supervisor. Supervisors? Ha ha, a *&*!& jokeeeeee!!! I kid you not, I've been with the company for nearly 2 years and i know more than a supervisor that's been with the company for over 5 years. NO JOKE! I actually have supervisors ask me questions regarding the databases we have. You know i personally think that its the QUALITY of the servicing that counts, not QUANTITY. To be honest with you, its NEVER GOOD ENOUGH FOR THEM. I bring anywhere between $150 - $300K on a minimum to the company every single month. Do i even get a reward, a recognition or perhaps 1% of that every other month at least? EHHH, SORRY. NOPE. All i get is a, wham bam, *&*&* YOU and you're numbers are low, we need quantity. I am so STRESSED out, we literally are being baby-sited. I had to ask to go to the restroom like a little kid. I feel that I was violated. I had never felt so low in my entire life as i did at the moment that i had to explain my self because I didn't ask to go to the restroom. ALL THAT I'VE STATED HEREIN, IS AN HONEST TO GOD TRUTH. I've been violated, i am so stressed to the point where I don't know what to do anymore. I am so confused. I know this may not mean that much to you homeowners out there. I work in the worst department that you don't want to end up in, we are underpaid for the type of work we do. We are being micromanaged like little kids, practically a kindergarten. I assure you (homeowners), that you aren't the only ones that are frustrated, we're in the same line. So that may be the exact reason why you feel mistreated, because its a train reaction. I can go on and on and on about how I've been mistreated with CHL, but i feel disgusted just by thinking about how even we as the employees are mistreated.

- Another ripped off customer writes... If you find someone to do a class action INCLUDE ME!!!! My story is similar. We bought a house that was fraudulently sold to us. The mortgage company was in on it. They were under investigation  for other predatory lending issues and dumped our loan to CW. CW paid $79,000 for a loan that is FHA insured for $134,000. That is over $50,000 instant profit if they foreclose! They had to know it was a scheme. My husband lost his job and we had trouble with our payments. We called Countrywide and tired to work things out. They kept giving us the "we'll call you back with more information" routine. They said everything was fine and not to worry. We received a notice that they were foreclosing. We called them and begged them to help us. They said they would help us. They told us that we would be getting an onslaught of letters from bankruptcy lawyers offering to fix the problem but we were to ignore those completely. They would take care of it. We got a notice that our house was being sold on the courthouse steps and we called them back. They said everything was ok, they were still working on it and everything would be fine. They sent us a notice with a copy of a posting in a news paper informing about the foreclosure for potential purchasers of our foreclosed house. We called them again. We were told everything is fine, that is just a technicality they had to do, not to worry about it. The house was supposed to be auctioned on the courtroom steps two days after a federal holiday which was on a Monday. By Friday evening, I really got scared. Monday was a holiday. I found one lawyer that was recommended to me by a friend (a title company employee) and he wanted several thousand dollars cash on the table to file a chapter 13. I did not have it. I had a total emotional breakdown in the parking lot. The next morning I called a lawyer from the stack of letters that CW told me to ignore. The day before the house was to be auctioned, I paid them $500 and they filed the bankruptcy less than 24 hours before the sale. At less than 24 hours before the sale was to begin, CW had still not called back with our promised help.  I'm behind again (2 1/2 mo) and they just filed a motion for relief so they can foreclose again. They said I have to pay nearly double payments for the next 6 months and if I am a day late they will foreclose without a hearing (per the results of the motion). I don't even bring home that much! I just got a huge promotion, but won't start getting paid for it for another 2 weeks and even then, it won't be enough to pay double payments. I am going to lose my house!!

- A screwed customer writes... Hi, I'm a current customer of countrywide and have indeed been screwed over also.  my story started 2 years and 7 mths ago when i went in for a refinance with another company called full spectrum due to a bad business decision with a business as a partner with a relative and got stuck with the bills from that business in the excess of about 60,000.00, so the gave me a loan to which I was told that my rate would be a 30 year fixed rate at 8.75% to which we thought we would refinance in 2 years, of course that did not happen.  2 weeks after the act of sale I receive a payment from a company called Countrywide and an increase in the amount of the mortgage payments from 1167.00 to 1469.15 along with a fluctuating interest rate or AKA an arm which was a 2yr fixed int. rate with an arm.  I called into the office regarding the increase of the p&I and to no avail they informed me that that was the agreement my husband and I agreed to and there was nothing i could do about it, so after taking their word and checking with the title company that handled the closing hearing the same thing we paid the amount stated, BIG MISTAKE.  Several months passed and I to started receiving letter from CHL in reference to 4mths of late payments and threat s that was not received from us as well as late fees and other charges, to which I had my cancelled checks and money order receipts along with quick collect receipts and certified receipts and to no avail they continued to accuse us of not having paid almost 6mths of payments.  So in June I being so frustrated decided to clear the whole mess up and send in all fees they claim were owed and other charges so they say and the end of June 2001 I call in @ check by phone payments and at that time I pulled down 5100.00 from tsp from my husbands retirement account the only resource we had quick access to at that time amazingly it was the weekend of the $th of july and the entire 5100.00 mysteriously disappeared from my credit union account the money was placed into and countrywide claimed they never received those payments and my money was completely gone from the account.  The credit union launched an investigation on our accounts and only returned 1800.00 of the 5100.00 that was in the account 8wks later and It discovered that someone systematically withdrew 202.00 every hour on the hour for that holiday weekend.  Until now I never realized that countrywide was involved in this farce.  Not only did we suffer getting almost 6800.00 in payments in 3mths after that into their office to keep from being foreclosed on but after sending that amount,  November arrived with me doing western union quick collect  for my next payment on time as usual  mind you sending 1,000.00 wire and 469.15 wire December came I phoned in to inform them of  my arrival of next payment  the representative told me that i sent in a partial payment the month before and not to send anything in unless it was November and December payment together or not at all.  she contacted me January 5,2002 and informed with all fees calculated I need to send in 8,560.00 within two weeks or it would increase every two weeks 2300.00 bi-weekly along with being placed under foreclosure, this was my so called workout plan.  seven weeks passed and 5:00a:m one morning a Civil sheriff served us with foreclosure documents with an auction date of April 24,2002 so we again struggled to pull money together to save our home.  2 days before the sale of my home we manage to borrow from family and sale of another piece of land we had and sent in a total of 21,000.00 plus 2 additional months of mortgage payments to put us ahead , then in July I sent in that payment in August countrywide inform me that I again was behind by 2mths and my payments had been increased to 1555.89 and that we had an escrow balance of over 789.00 to be paid also.  In essence that last payment in July they applied to other charges and claim to have not received my payment at all, even though in every instance I have all my receipts and copies of every payment sent in regardless to how it went in.  So in September they wanted me to again send in 3 payments to which I managed to get 2 into them in October 2002 I received a notice that I was still behind and they threatened pre-foreclosure and other tactics that basically put us in ruin.  my story is so long bear with me.  October they lead me to believe it again was my mishandling  of my finances and total neglect and the way they continued to talk to me being really rude and  totally mean about any conversations we were having stating for us to pay them 1600.00 every 2 weeks from 10/06/02 until the end of the year and start off fresh for the new year, so we attempted to do so exhausting all of any thing left from payroll to not paying any thing else car notes , utilities ,or groceries etc. then I came in one day everything in the house was off and I had enough and say that's it, its over I'm not paying another damn dime.  so I called countrywide spoke to a representative and announced do what you will I'm thru, but you will not take my home or another darn dime from me.  so here we are expecting another foreclosure notice any day now and we are sick and tired of this shit.  They have reported to the credit bureau that I've made 12mths of late payments, now I cannot get anyone to refinance my property I'm about to lose my vehicles for non payment no retirement ,tsp or anything and to add insult to injury they had the nerve to give me to the end of Janurary2003 to send in another lump sum payment of 5080.00 plus attorney fees or face another date for auction.  I AM LOOKING FOR A WAY TO EXPOSE THEM AND SUE THE HELL OUT OF THEM SOMEONE PLEASE CONTACT ME FOR A CLASS ACTION SUIT AS WELL AS HELPING TO TELL OUR STORY ON 60MINUTES, 20/20, OR PRIMETIME AND INFO WOULD BE GREATLY APPRECIATED.

- An angry consumer writes... My husband and I also have our story about the Evilness of Countrywide.  The story is long and painful, and probably not over yet.  We had no idea that there was this much anger at them, and their deceptions go beyond the pale.  Is there a class action suit against them?  If so, PLEASE add our names to the list.  Contact me soonest if there is a lawyer willing to go up against them so I can add my "two cents" which is all I have thanks to those !!!$#%&^*#$!! at Countrywide.

- A now careful consumer writes... Thank you for saving me even more worry.  My loan was sold by Century Mortgage  about one and a half years ago to a company called Ocwen Federal Bank  Recently my husband and I started looking into refinancing to take advantage of  the low interest refinance rates being offered.  Quite by accident and much to my horror I came across a web page "Rip offs by Ocwen Federal". There are no fewer than 15 pages of complaints over 265 individual complaints of every nature including class action law suits as well as the companies refusal to provide the information needed to allow it customers to seek new loans.  I had already decided to go with Countrywide Home Loan and was in the process of  getting the paper work started when I chanced upon your web page.   THANK YOU, THANK YOU, THANK YOU.  I will now sever any ties I have with Countywide as well as with Ocwen and continue my search for a reputable and considerate company even if it means I lose out on the low interest rates now being offered it is a heck of a lot better than losing my credit rating or possibly even my home.  I would urge anyone  currently seeking a new or refinanced loan to read the rip off page on Ocwen Federal as well as your page.  I am now very concerned.  I will not simply choose a Financial Institution via yellow pages, etc. as I have (carelessly) done in the past.    

- A businessman writes... I am a mortgage broker who once did business with Cwide.  They repeatedly screwed us on a day to day basis. I know several employees who worked there
and there is A LOT OF ILLEGAL ACTIVITY THAT GOES ON IN THEIR DANVERS, MA OFFICE. They are always in violation of RESPA.  I decided enough was enough and decided to send out letters to all of their customers in my surrounding area.  The letter stated that they were being overcharged on their loan and that they could get a better deal with someone else. A few weeks later I got a letter from their corporate counsel threatening a lawsuit. They were going after a small business who was informing the public of C-Wide's predatory practices.  C-Wide has the highest rates of any lender. If anyone reads this you can get much better by going to a mortgage broker/company and specifying that they do not put you with C-Wide.

- An extremely lucky consumer writes... Countrywide quoted me a great rate yesterday and after giving them a $400 "non-fundable rate-lock deposit", they came back with another completely different loan PACKAGE not to mention a much higher rate that would have cost me an extra $500 each month.  I fought for my deposit and thankfully got it back.  Glad I found your site...I will not be going back to them. Whew!

- A very unhappy employee writes... you can post every single paragraph until the very last sentence of what I've written. I wish to hide nothing. I speak only the truth. Believe me i detest myself for waking up every morning knowing that from sunrise to sunset i have to work with these people. I am currently in search for a job that will well deserve my services and should appreciate on what i do and only demand from me on what i can offer, unlike CHL demanding beyond the norm of a human- being. Yes, literally a f*** sweatshop, excuse my French. They come up with bogus numbers, telling you that your numbers aren't all that great and you should be doing better. NEVER EVER APPRECIATE anything. I am almost 100% certain, that Angelo Mazillo doesn't know what really goes on and how the people he supposedly screw up a good company. I am sure that Countrywide wasn't so bad. Please, without hesitation let my voice be heard along with others in your site.

- A lucky consumer writes...

- A ripped off customer writes...

- A happy consumer writes... My husband and I were in the process of doing refinancing with CW when he stumbled onto this site by accident.  We decided right then and there that we would not pursue financing with CW.  What I don't understand that these people are still in business.  Oh by the way, my friend who just refinanced with CW is already having problems. Don't do business with them.  They should be out of business! A very happy customer to have escaped the clutches of CW!!!

- A pissed off customer writes... thank you for having this website.  i am presently suing countrywide for conversion.  why?  because last year i fell behind in my payments and thought i had worked out an arrangement with them for an extension.  i later found that they had no intention of working anything out or keeping their word.  i was refinancing my other home to obtain funds for the delinquent payments.  the loan took longer than expected due to the credit information that was furnished by countrywide to the credit bureaus.  by the time i had received my loan on my other property, it was too late.  i was served with a 3 day eviction notice by the new owners of my home that i have had since 1967.  needless to say, i had quite a bit of equity in it.  well, they sold my home at a public auction for $100,000.00 less than its appraised value.  apparently there were several bidders at this auction because they sold the house for $70,000.00 more than the loan amount resulting in a surplus.  this surplus of $70,000.00 is rightfully mine and countrywide has acknowledged this fact.  countrywide required a claim form to be filled and notarized which i did and sent all required documents certified.  according to California statute, they have 30 days in which to distribute the surplus proceeds.  i have done everything that is required by me in order to receive my surplus.  it has been 7 months and i have yet to see a dime of my money.  they have collected interest on my money this entire time.  countrywide will not give me my money and unfortunately there is nothing i can do about this except hire an attorney which is costing me a lot of money.  i will eventually receive the money but it will end up to be much less because of the attorney's fees i will have to pay.  in addition to all of this, i had to move - i really needed this money to find another home for my 2 children and myself.  you can imagine what my credit looks like now.  what landlord is going to rent their home to someone who has foreclosure on their record as well as an unlawful detainer in public records.  no landlord will  i had to offer 6 months advance rent plus $5,000.00 deposit for a landlord to finally rent me their home.  countrywide has destroyed everything i have worked so hard to have.  they are dishonest and unscrupulous.  countrywide has a total disregard for the laws that are administered by our government.  and our government does not seem to regulate any of these large corporations.  i was under the impression that these governing bodies were here to protect us as consumers.  i was wrong.  the government is obviously paid by these large corporations to keep a blind eye to their illegal actions.  most people cannot afford the services of an attorney, especially after they have just lost their home, their "American Dream" to these thieves  these thieves like countrywide and all of their subsidiaries.  i am very interested in anyone who may have a similar story because these f#@*kers need to be stopped!!!  i am willing to participate in any action.  and i intend to dedicate the rest of my life to reforming  these lending laws so that no one else has to experience the kind of loss that i have.  countrywide sucks the big one

- Another countrywide victim writes... 

- A screwed customer writes... Can you tell me if there is anything in the works for a class action suit against Countrywide.  My case is now in the hands of the Georgia Banking and Finance Commission, but we will see what.  I wrote a letter to the office above and subsequently they wrote a letter to Countrywide requesting assistance on my behalf.  A man from the Office of the President contacted and me and told me that he would research the file. Ha, he then called me back and stated that he could provide no help, because unbelievably all the correspondences that I show has been sent to them on this matter they have never received any of it.  We are talking @ 13 letters, mind you all the checks have been cashed.  Anyway the real kicker is, after my conversation with him on Friday, Monday I received 4 letters from Countrywide.  Two of these letters were telling me that they had been unable to contact me regarding my complaints as stated in the letter from the Banking and Finance Commission.  At this time they were requesting that I provide them with all new contact information.  Understand, I had talked with them multiple times.  So, I think this is how they are going to attempt to get by the Dept. of Banking and Finance --- an attempt to make me look inadequate.  Any info or suggestions would be great.

- A FORMER COUNTRYWIDE MANAGER WRITES IN... I am a former Manager at Countrywide.  One of the biggest issues I have always had with this company is the fact that they hire people, throw then in a desk and just expect you to know everything.  They expect you to work 14-18 hour days and it is strictly numbers, numbers, numbers!  They have an ego so big it makes me sick. They are completely obsessed with Wells Fargo.  This could be because a very angry Wells Fargo Employee came to work at Countrywide to take over the Consumer Markets.  He has been completely obsessed with cleaning out Wells Fargo and will risk anything to get his revenge.  He and his military he brought in to clean house and let go the valuable employees who care about good customer service and have replaced them all with high strung, pushy, in your face sales people, not Mortgage Professionals, basically people who aren't capable of selling used cars and it again is numbers, numbers, numbers.
 
It doesn't matter how profitable a branch is (except when they make their financial reports).  It became clear to me they were more concerned about how many loans closed rather than having a very well oiled shop with happy customers and good profit. They have this telemarketing department that slips home equity loans in on people and make them feel that they have to close when the truth is, "If you did not want this, do not sign the closing documents."  Our customers would call the original telemarketer to confront them and they would bad mouth the Branch they sent it to and pass the buck.
 
Everyone on the Branch Level gets a disgustingly low salary and 80% of our income is bonus.  We did not receive our Bonus for the month it was earned until the end of the following month.  The fine print on this scam is YOU MUST BE EMPLOYED ON THE LAST DAY OF THE FOLLOWING MONTH, THE DAY IT IS PAID in order to receive payment for your hard work the month before.  So, lets see, you stay till the end of the month to get last months pay but if you leave when you receive this check you have killed yourself another full month to never receive compensation for that.  How would you like to work for a whole month and never get paid for it?
 
I have always been a very upbeat person to work for as a Manager.  They micromanaged us all to the point that we overstressed, overwhelmed and afraid for anyone to make a human mistake, which I feel there is a solution to every problem.  I have left the company and have lost tons of weight off of my shoulders and am starting to feel like a real person again.  I had been seeing specialists for serious stomach problems and anxiety.  I couldn't sleep because all I did was worry about the next day.  Upper Management consistently dumped their responsibilities on you with no reward or even a thanks because it was easier to have you do it for them and them of course take all the credit.  They are so intimidating that even when someone leaves the company they intimidate your co-workers to stay away from you and scare them from even seeing or talking to you on a social basis because they are afraid they are being watched and will lose their jobs.

I will admit the customer service department is very snippy and try to convince the customer they are in the wrong.  It was always amazing, though, when the customer would come into my office and I called and placed them on speaker and introduced myself as a Manager how willing they were to help and BING, problem solved but let the poor consumer try to resolve a simple issue from the comforts of their own home without having to take off of work, forget it!  I had my mortgage with Countrywide and had my own issue on my account.  I called the customer service dept. just as a customer and got to experience this first hand. Then when I informed them that I was a Manager and gave my employee ID and Branch Number, I got completely impeccable service.  So as you can see employees are intimated by big titles within the company and the bad attitudes the consumers get from these people is a reflection on how they are treated by upper management. 
 
My husband used to beg me to quit but I was so deep into this black hole I could not see how they were driving me into the ground physically and even emotionally.  Now that I have stepped aside I realize the way I and other employees I knew were truly abused.  Countrywide has had the reputation of being a sweat shop and quite frankly I believe it is worse than a sweat shop.  They are very abusive with the psychology they use, they talk to you in a way that guilt's you into giving more, more, more.  They have a way of convincing you that you are just not giving enough.  Your immediate supervisor has a way of getting you to be so dedicated to them and they look at you and talk to you about how you need to keep them employed because they are worried about their own jobs and how all these big quotas have been put on them and how they are depending on you to keep us all together and make you feel personally responsible for every single person around you, including your boss, job stability. They say jump, you jump three times just for good measure.  They pressure their managers to make their branches profitable and then when they are pumping in the cash, they decide they need to make a management change, leave the office without a manager for several months so that the P&L bonus goes right back into their pockets.  They don't want to pay those big hard earned bonuses they just want you to get the income to that level so they can toss you aside.  They don't care about the customer, they only care what the all mighty daily production
numbers are.
 
Their words are, "Do what ever it takes to get the deal."  Quoted by Brian Hale himself, a very vindictive former Wells Fargo Employee.  Countrywide used to be a very personable Company and the service was incredible but they are focused and obsessed with their Competition and have ruined everything Mr. Muzillo worked all his life for.  It is very disappointing to see such a well respected company resort to this type of business practice. I could keep writing for days but it is just not worth it.  The one thing I have
learned in this industry; stick to a smaller company who doesn't have an over inflated ego.  Don't go to a company who is more concerned about what number they are on the production/portfolio charts. Go to a company who is profitable and consistent with their service.  Don't blame the poor little people who work at these big companies, yes they should keep their negative tones to themselves.  But who knows who they just got blasted by.  I feel for the little people within companies like this one. It is very hard to try to please your boss, their boss, their boss and so on and still keep a happy face or voice when the poor customer calls.  It is truly a catch 22 for them.  And yes, the people in customer service don't know what they are doing because no one is taught anything there.  You just need to find someone who has managed to be there long enough and hope you sit right next to them so you can hear them and learn that way.  It is sad.  I know they seam
incompetent when you call but imagine yourself in a very large room of hundreds of cubicles in a huge building.  Imagine just being thrown in there, you have to leave bread crumbs leading from the door to your cube to even remember where it is.  Imagine being led to it (maybe) and be told they will be back to work with you and imagine them never coming back and just leaving you there.  Imagine all of your communication being strictly by internal e-mail and then imagine how overwhelmed you may feel. 

Thanks Brian Hale for coming in a destroying a great place to work and a good company to do business with.  Hopeful Angelo will soon see through you.  Maybe he will hit his goals and toss you aside they way you do people.  I will be waiting to hear of your demise. 

- A screwed customer writes... 

- A lucky consumer writes... I was very grateful that i visited your site.  I was sooooo close to refinancing my home with countrywide.  I really need to find a good lender I can trust.

- Another victimized customer writes... 

- A terrorized customer writes... I commend you and the Rip-off site for allowing people to share their experiences about these criminals on these web pages. I was shocked to see
how many consumers had undergone the same unethical, unlawful tactics that my spouse and I continue to endure from Countrywide. We fell victim to the terror immediately after they bought our mtg. The errors, harassment, and lies began before we were even informed they were holding the mtg. I guess if you already have existing homeowners insurance through an outside source, they willingly ignore this policy and charge you for insurance disclosing to you a profit made be made to them. How is this legal?? They have been caught in a courtroom before for insurance matters-I guess they paid no consequences for their actions, thus encouraging them to continue practicing business in this manner. I would love to know how much of their gross earnings are collected on fees that are not legitimate. Once a class action lawsuit is brought against these thieves, and I am certain it will-no lawyer will be able to straighten out the sloppy record keeping of this company. They might look into hiring a magician, or maybe they can borrow a shredder from ENRON. They prey on first-time homebuyers seeking the American dream and those with slightly tarnished credit, then they conspire to send you into foreclosure, making the consumer either appear as a novice at paying a mtg or simply history repeating itself. Don't listen to people when they say they don't want your home, on the contrary. Other banks don't want your home, countrywide is an exception to this rule. Once foreclosure takes place in this market with sales up and interest rates at all time lows, these property's are aboard the real estate merry-go-round. What a scam, now on the same property you have inspection fees, ins., title search fees, mtg broker fees, closing costs and so on and so forth. Thousands of dollars made on the same property again. It's a revolving door that puts homeowners in hell. If these properties were not sold so quickly at auction, these events would not unfold. One voice is seldom heard, as always there is great strength in numbers. I am sending all my history straight into the lap of the state banking commissioner, if changes aren't made I will move on to the atty general. I do not believe that our judicial system will allow this to continue. I ran across a mortgage broker who gave me some excellent advice, he says that this company is so big with such a massive turnover of help, that a high percentage of time you're talking to someone with absolutely no
experience what so ever. He suggested I ask to speak to a supervisor. This is no easy task, you will likely be transferred 3-4 times, each and every transfer the rep inquiring why you would like a supervisor and insisting they can help you. Remember this is not to the fault alone of the incompetent help on the other end of the line, these are simply the thugs
carrying out the orders for the true criminals who are at the top of this so called business. Take the time to send in your experiences to one of these sites, describe your accounts in an honest and accurate manner. Their shady dealings are taking place nationwide, it's no longer a secret and they will be exposed.

- A disgusted customer writes... 

- A first time customer learns the Countrywide way... we are in the process of obtaining a home loan with Countywide.   I must say that we are dealing with a bunch of incompetent people who NEVER return calls.  I have had to initiate every call.  I have been lied to several times about pertinent issues.  They shouldn't play with the public this way.  It is sad that we are treated as if we are annoying to them.  They have had unneccesary delays keep giving us the runaround.  The manager is no better.  Based on your stories, I am not looking forward to even obtaining the loan.  I am literally scared now.

- A pissed off consumer writes... Wow - I was recently telling friends that when I am done with Countrywide, I was going to start a website called - "Countrywide Sucks!"  Then I found yours.  I am going to court this week with them.  I have 10 months left paying off my chapter 13 and they have decided to file a breech and are requesting a pay off.  There was no breech and they have place my payments into an "unapplied account."  Now they are saying my payments are late and have added over $1200. to the amount I owe.  I also have called them on several occasions over the last few years and have found them to be ignorant and rude.  They transfer me to all different departments and no one seems to be able to assist me. I cannot believe the control they have.  I am seeing a lawyer tomorrow but I have a feeling they will get away with this after reading some of these stories.  I really want to sue them but I am not sure of my rights. I have told everyone I know, friends, family, coworkers, etc about Countrywide and their incompetence.  I also plan to call the BBB when I am through.  Thanks for the website and support.  COUNTRYWIDE SUCKS!
signed:  A pissed off consumer

- A ripped off customer writes... 

- A complimenting consumer... I have to compliment you for creating this page!! It is so great and good to hear there are advocates out there that will speak up about bad business and actually make it public for the world to read! That is what they deserve when they treat people like that, they can certainly dish it out, but won't take it back, but hear you are doing it :) 

- A dissatisfied customer writes... I am also a dissatisfied customer of Countrywide. Can you please send me the info you have on trying to start a class action lawsuit.

**- A fellow businessman writes... I do a few loans through them and I am wholesale.....the service really makes you wonder if the place is corrupt. Something should be done.

- An angry customer writes... 

- A customer in action writes... After watching my escrow costs go up and up I decided
to do some checking. Countrywide is misrepresenting the legality of their escrow accounts. There is NO,...I repeat NO legality existing that requires Countrywide (the lender) to maintain an escrow account, however Countrywide will not allow the homeowner to manage insurance and tax on his own because Countrywide is using the escrow accounts as leverage PLEASE SEE http://www.US-banker.com/usb/articles/usbjan02-4.shtml

I have retained a lawyer and I am going to check with another lawyer that specializes in class action suits against large corporations.

- An irate customer writes... Hi there, I have read all of the entries on your site due to the fact I have a similar story.  We feel that Countrywide has not applied payments on time to our account, therefore they have incurred late charges and fees. This has hurt our good credit so that we can not refinance.  We have sent all of our payments on time. A lot of people that have written are interested in a class action suit, but I did not see information that one is in action.  Is there one in action?  How do we all work together  to put one in motion?  Has anyone taken this on?  Is there a contact person/attorney that is handling this?  I would be interested to be a part if possible. 

- A helpful business writes... 

- An angry customer writes...

- A ripped off customer writes... 

- Another ripped off customer writes... I just wanted to add to the stories about Countrywide. Indeed they SUCK! My parents mortgage was sold to countrywide in late 2001. They had gone through some serious medical problems and had made payment arrangements with CWHL and had gotten their payments all caught up. One month after the mortgage was sold, countrywide told them that they could refinance at a lower rate because it was an fha loan. they went on with this deal. My parents were told to NOT send the next months payment, that it should be brought to the settlement. When my parents showed up at the settlement they found out that it was cancelled and it was never going to take place. Needless to say, now they were behind on the mortgage payments. They finally paid everything they owed up threw May, 2002. Then my dad was injured at his job. They had to wait for the disability check to come in to pay the next months payment, and told this to the mortgage company. Countrywide agreed to work with them and accepted the late payments. everything was ok until in September, 2002 dad had emergency brain surgery. Three weeks after that mom had a stroke. Countrywide again agreed to work with the payments from the insurance company. A certified check was hand delivered to countrywide and three other payments were sent to pay thru dec., 2002 Without any notification, CWHL sent the certified check and the three other payments back to mom and dad, saying that they were not the correct amounts. we went to see a lawyer. Monthly payments now go into an escrow account and hopefully FHA will handle it from here. The worst part about it is that my husband and I refinanced our mortgage in Nov. 2002. our mortgage was sold to Countrywide in Feb, 2003 YIKES. we started having problems with the first month. They don't send statements every month, they mis-post the amounts of the payments . When you call customer service, you get different ppl all the time. No one in that company knows what the other is doing. They have reported me late on my payments, which we never were. You can never get the last name of a person you are talking to on the phone. One employee there told my mother that the company is in financial distress, and they have to show a certain amount of NEW loans each month to stay in business. I believe that this is why they rip off ppl - just to stay in business. I an printing your page of letters from unhappy customers and taking it to HUD in Philadelphia. I have already reported them to the BBB in Texas and The US department of HUD. I have heard back from both and they are working on my case. maybe you should send a copy of the letters to the US Dept of HUD. Then they would know that LOTs of other ppl are affected in a dangerous way by this company. My parents are senior citizens and in ill health. they cannot afford to loose their home, and neither can anyone else. Thanks for this site. Now I know its not just us!

A pissed off CHL customer writes...I stumbled upon your website and have just spent the last hour or so breathing a sigh of relief that I am not crazy after all.  CHL lost a total of 7 checks in 4 years and charged me trumped up late fees. These fees were charged even after discovering that they posted the checks to the wrong account, or chewed up by their automatic mail opener. Now I send my payment each and every month by USPS priority mail (2-3 days) requesting a confirmation and signature receipt.  My checks have not been "lost" since.  I am still fighting the late charges they claim they would remove from my statement. I gave up the fight when they socked me with a demand for flood insurance, even though I have submitted to them proof that I am not in a flood insurance area. (Do you think Flood insurance agencies give kickbacks for these written policies?) I am so disgusted with them. I went from stellar credit to not so stellar credit due to CHL's cheating and lying business practices. I am not in a position to refinance now, but what keeps me going is that I graduate college in 9 months and they are the first thing I am getting rid of. They can kiss every square inch of my a#@!!! In the meantime I will file complaints with the contacts listed in all the previous letters. And will be the first in line if a class action suit is filed or other forms of protest are used to put an end to this shameful company. Thanks to all of the people who submitted their horror stories. You have strengthened my resolve to find ways to cover my ass. 

A disgusted customer writes... Thank you for hosting this site......I will share my problems with you about countrywide....They have ruined my credit rating.....I pay about 20 something bills a month, car payment, other mortgages, etc., in August and September of 2002, I noticed that I did not receive a bill from countrywide.  They called me and said I was late with a payment, I requested that they send me a bill, they were very rude over the phone, I know that I never received their bill, by the time I received the bill I was thirty days late. Every bill that I pay is on time except with countrywide.  I believe there was a problem with their mailing system and they never mentioned anything about it.  I could go on forever about countrywide problems. Another problem I will address is their computer network.  In may of 2003, I was trying to get a refinance to consolidate my first mortgage and countrywide the second mortgage, I found out 15 days after the due date that the refinance would not go through.  I immediately called Chase Manhattan and said that I wanted to pay the mortgage payment, which I did electronically via a check.  When I called Countrywide to pay the amount of the mortgage they insisted that I talked to an delinquency operator before I paid the mortgage, they connected me but I got lost in their network.  I called back and decided to pay the mortgage by check like I had done with Chase Manhattan.  I went through with the computer automated system.  I found out 1 month later that they do not accept payments from people that are past the due date.  One thing I notice from Countrywide is when their bills are sent relative to the due date of the mortgage, it is never consistent.  My Chase Manhattan mortgage is sent one month ahead, while countrywide mortgage bills are sent sometimes fifteen days ahead of the expected due date.  I believe it is a practice of countrywide to ruin people's credit rating especially with people who have high interest rates on their loans, so they will be unable to refinance or get loans from other banks... Thank you very much for listening to my complaint.....I believe a nationwide lawsuit must be brought against countrywide home loans, I would be glad to participate in any involvement in this.

- A screwed customer writes... Thank you for setting up this website...Countrywide needs to be taken to task for all their outlandish practices.......we have had on-going problems with this company similar to those described on this website---lost payments (which we KNOW were sent--they claimed they couldn't find.) LOST money orders which had to be traced and redone due to their incompetence.... and also our mortgage payment increased from 525.00 to over 600.00 in less than a year---we do NOT have an adjustable rate mortgage!! When I called and questioned this, I was told there was not "enough money in our escrow account to cover the charges" so CountryWide paid them for us. When I asked what charges they were referring to, they said "homeowners insurance"-- I told them I was NEVER notified that there would be an increase of any kind--they said we should have received a notice from ALLSTATE. I don't know who to talk  to about this and am at a total loss as to what to do...We finally agreed to allow them to deduct payments monthly via an automatic payroll deduction from our checking account---but I am worried they will cheat us using this option, too... we were told that the fact that our payments were continuously late was affecting our account...we had to do the payment plan several times where we were charged EXORBITANT amounts of money to catch up--AFTER THEY lost our payments--what GIVES HERE??? Can anybody advise us or include us in a class action if there will be one filed??? Hawaii seems to have no protection against these types of predatory companies---if anyone has found a GOOD mortgage company, would you please list the NAME here, so we may consider refinancing options?? COUNTRYWIDE is a LOSER COMPANY with a capitl "L"....Thanks for allowing me to get this off my chest.....

- A consumer taking action writes...

- An angry customer writes... Countrywide has done the same things to me.  My payments are sent electronically from my bank account.  Last month (June 02) I called because my payment had not been posted to my account by 6/25/02.  The customer service rep contacted me on the 28th and told me that the payment had been received and would post that day or on 7/1/02.  It is now 7/15/02 and the payment still hasn't posted to my account.  I have sent e-mails and made phone calls with no help.  I have had to go through this for the past 7 months.  If there is a class action law suit, please include me.

- An upset customer writes...  I WAS SO HAPPY TO SEE ALL THE UNHAPPY PEOPLE THAT SHARE MY SENTIMENTS.  I DID NOT THINK IT WAS SO MANY PEOPLE OUT THERE THAT FELT THE WAY I DID.  MY STORY STARTED BACK IN 2001.  I FELL BEHIND IN MY PAYMENTS DUE TO A SEPARATION WITH MT SPOUSE.  I WAS HARASSED WEEKLY BY COUNTRYWIDE REPS.  THEY THREATEN ME WITH FORECLOSURE, THEY TOLD ME THAT I DID NOT CARE ABOUT MY LOAN AND ALSO REFUSED TO HEAR ANYTHING THAT I HAD TO SAY.  EVENLY I FILLED CHAPTER 13 TO SAVE MY HOME, BUT UNFORTUNATELY I GOT A BAD ATTORNEY AND WAS DISMISSED BY A VERY MEAN JUDGE.  FINALLY I WAS ABLE TO BE PUT ON A REPAYMENT PLAN WITH THE WORKOUT DEPARTMENT.  THIS WAS SIMPLY A JOKE.  DAYS BEFORE MY HOME WAS TO BE SOLD, I WAS TOLD THAT I COULD SAVE MY HOME BY PUTTING $5000.00 DOWN AND PAY $2334.00 A MONTH FOR TWELVE MONTHS.  MY NORMAL PAYMENT WAS ONLY $1126.00 A MONTH.  THEY WANTED ME TO PAY DOUBLE OR ELSE THEY WOULD SELL MY HOME.  THE REP ALSO TOLD ME THAT IF I COULD NOT PAY THIS AMOUNT, THAT I COULD POSSIBLY QUALIFY FOR A LOAN MODIFICATION IN THREE MONTHS.  Well, WE PAID THE REQUESTED AMOUNT FOR THREE MONTHS, AND FINALLY WE COULD NOT PAY THIS AMOUNT ANYMORE, SO WE CALLED COUNTRYWIDE TO ASK FOR A LOAN MODIFICATION.  I WAS TRANSFERRED TO ONE OF THE REPS THAT HAND LOAN MODIFICATION.  MY GOD, I NEVER KNEW WHAT I WAS GETTING INVOLVED WITH.  THIS LADY WAS SO RUDE THAT RUDE IT SIMPLY A GOOD WORD FOR HER.  SHE WANTED ME TO TELL HER INFORMATION THAT I HAD NO KNOWLEDGE OF, SHE TOLD ME I WAS LYING ABOUT THINGS, AS IF SHE WAS SOME TYPE OF PHYSIC.  EVENTUALLY SHE HUNG UP IN MY FACE AND THEN ACCURSED ME OF HANGING UP AND SHE ALSO PUT IT IN THE NOTES SO THAT HER SUPERVISOR WOULD BELIEVE IT.  I CALLED BACK TO MY SURPRISE AND TALKED WITH HER SUPERVISOR, WHO WAS EQUALLY RUDE AND AN ABSOLUTE JERK.  I COULD NOT BELIEVE THAT THEY HAVE PEOPLE ACTUALLY WORKING FOR THEM WITH NO HEART.  I WAD DENIED THE MODIFICATION, BASED ON NOTHING.  I WAS NEVER SENT A LETTER STATING WHY, I WAS PROMISED BY THE MANAGER THAT HE WOULD SEND ME A LETTER, BUT TO THIS DAY I HAVE NOT RECEIVED IT.  Well, TO MAKE THIS STORY SHORT.  WE WERE OFFERED A NEW PLAN AND A NEW DOWN PAYMENT FOR THE NEW PLAN.  GRANTED WE HAD ALREADY PAID BACK TWELVE THOUSAND DOLLARS, IN WHICH WE ARE STILL TRYING TO FIND OUT WHY.  THIS NEW PLAN WAS STRUCTURED BY A MR. KANDELER, WHO CLAIMED TO BE THE MANAGER.  THE DAY CAME TO SEND THE DOWN PAYMENT, AND WE WERE ONLY THREE DOLLARS SHORT OF THE AMOUNT.  THEY DID NOT WANT TO RECEIVE WHAT WE HAD AND REFUSED IT.  WE WERE FACED WITH ANOTHER SALE DATE WITHIN DAYS, SO WE HAD NOT CHOICE BUT TO FILE ANOTHER CHAPTER 13 TO STOP THE SALE.  THINKING ALL OKAY, A WEEK LATER A NOTICE WAS PUT ON OUR DOOR TO QUIT.  SHOOK AND AMAZED, I STARTED TO CRY THINK WHAT IS GOING ON.  I IMMEDIATELY CALLED COUNTRYWIDE REPAYMENT DEPARTMENT, TALK WITH A SUPERVISOR
AND SHE INFORMED ME THAT SHE WAS NOT SURE WHAT WAS GOING ON AND TO CALL BACK TOMORROW TO THE BANKRUPTCY DEPARTMENT.  THE NEXT DAY I TALKED WITH THE BANKRUPTCY DEPARTMENT, THEY DID SOME INVESTIGATION AND SAID THAT THEY WOULD GET BACK TO ME.  MEAN WHILE THE COMPANY THAT BOUGHT THE HOUSE WAS ANGRY AND DISAPPOINTED.  I TOO WAS VERY UPSET.  THE FOLLOWING I RECEIVED A CALL THAT SAID THE SALE WAS VALID. I JUST COULD NOT BELIEVE THIS, I NEVER STOP THINKING I WAS GOING TO WALK AWAY THAT EASY.  THE NEXT DAY I CALLED JUST TO ASK A QUESTION AND WAS TOLD THE SURPRISE OF MY LIFE, THAT HAD OVERTURNED THE SALE AND PROPERLY PUT MY LOAN IN THE FORECLOSURE DEPARTMENT. YOU JUST CAN'T AMAZED
THE FEEL I HAD.  I JUST THOUGHT GOD WIN AGAIN.  RECENTLY I DROOPED OUT OF
BANKRUPTCY AND WANTED TO REDO MY PAYMENT PLAN, I WAS TOLD BY THE VP THAT BECAUSE I FILED BK, THAT HE WAS NOT GOING TO GIVE ME ANOTHER PAYMENT PLAN, AND TO SALE MY HOME, BECAUSE I COULDN'T AFFORD IT.  WHAT A THING TO TELL SOMEONE WHEN THEY TRIED SO HARD TO SAVE THERE HOME.  I BELIEVE THAT THEY WERE ANGRY THAT THE SALE ON MY HOME WAS INVALID.  THIS IS THE WORST COMPANY IN HISTORY.  THEY HAVE NO COMPASSION, THEY LACK PEOPLE SKILLS, INTEGRITY, SELF CONTROL, WILLINGNESS TO HELP IN TIMES OF NEED AND THEY LIE SO MUCH THAT YOU CAN'T BELIEVE ANYTHING THEY SAY.  I PRAY THAT WE CAN ALL COME TOGETHER AND SUE THE HELL OUT OF COUNTRYWIDE. IF ANYONE FEELS LIKE ME PLEASE WRITE ME AT hDESIGNERCORNER@AOL.COM.  I AM CURRENTLY LOOKING FOR A NEW LOAN, I HAVE ANOTHER SALE DATE ON MY HOME FOR AUG 29.2002.

- A grateful consumer writes...  Thanks Countrywide is a company that my husband found. I thought that I would check it out on the net. I' am so glad that I did, I don't need a home problem, I need a home loan.

- A frustrated customer writes... I was legally separated in Aug. 1992, and divorced in the fall of 1995.  In Dec. 1994, I purchased a home in Charlotte, NC, in my own name with no co-signers, with Countrywide as the lender.  I sold the home in Jan. 1997, and paid off the loan. I bought another house in Florida in Oct. '97, and my credit report showed that I had defaulted on the loan on the NC house, and that it had been put into foreclosure.  After several conversations, Countrywide told the new lender that the account was cleared, and told me that they would get it straightened out with the credit bureau. In June '99, I sold the FL house, moved to SC, and started to buy another house, only to find that Countrywide still showed me as having defaulted and gone through foreclosure on the NC house.  So, I went through the whole process again. After numerous letters to virtually everyone except God, it finally got straightened out on my credit report. In 2001, I started dating my ex-husband who happened to ask me about a default and foreclosure on his credit report to a company called "Countrywide"! In short, not only did it take Countrywide several years to show my loan
as paid off - instead of defaulted and foreclosed - it's now showing up unfavorably on my ex-husband's credit record, and he never had any involvement in the house AT ALL!  And Countrywide says that he's going to have to prove that he didn't own it because their records indicate that he did, my paperwork doesn't count (I guess they think I'm protecting him from
something), and he has no way to "prove" he never owned it or had any financial responsibility for it. And now, to add insult to injury, I recently refinanced the current house,
and the new lender promptly sold the loan to Countrywide!!!  Yikes!!!

- A helpful consumer writes...I was just looking at my notification that my refinancing loan has been sold to CW, and there's a paragraph or 2 on the back of the page called" Borrower's Rights".  It says: "...the following information, which is set out in the more detail on Section 6 of the Real Estate Settlement Procedures Act (RESPA) (12 U.S.C. 2605):During the 60-day period following the effective date of the transfer of the loan servicing, a loan payment received by your old servicer before its due date may not be treated by the new loan servicer as late, and a late fee may not be imposed on you.

Section 6 of RESPA (12 U.S.C. 2605) gives you certain consumer rights.  If you send a "qualified written request" to your service concerning the servicing of your loan, your service must provide you with a written acknowledgement within 20 Business Days of receipt of your request.  A "qualified written request" is a written correspondence, other than notice on your payment coupon or other payment medium supplied by the service, which includes your name and account number, and your reasons for the request.  ... it must be sent to: Countrywide Home Loans, Inc. Customer Service Correspondence SV314B, P.O. Box 06170, Simi Valley, CA 93062-5170.

Not later that 60 Business Days after receiving your request, your servicer must make any appropriate corrections to your account, and provide you with a written clarification regarding any dispute.   During this 60-Business-Day period, your servicer may not provide information to a consumer reporting agency concern any overdue payment related to such period or qualified written request.  However, this does not prevent the servicer from initiating foreclosure if proper grounds exist under the mortgage documents".

A sentence that says: a Business Day is a day on which offices are open, and then: " Section 6 of RESPA also provides for damages and costs for individuals or classes of individuals in circumstances where servicers are sown to have violated the requirements of that Section.  You should seek legal advice if you believe your rights have been violated."

Sounds to me like most of the people who have written to you are well within their rights and entitlement to file suit and receive damages and compensation.  Also, for those who CW foreclosed on, CW would have to document that they had "proper grounds", which they wouldn't if they had lost their own documentation.

- An ex-employee writes...Hi there. Countrywide does indeed suck. I am a former Countrywide employee. Well, I was a temp there anyway. I worked there as a temp for 9 months, repeatedly asked for an application to be an actual employee and was denied. Here's the dirt: For years, they had very low level employees (who were called "stampers" and "signers") signing official documents with someone else's (one of the higher level employees that couldn't be bothered wasting their time signing papers themselves...) signature. They had papers with samples of the signatures on the wall to be sure they were copied exactly. A friend of mine still works there, and she is forced to do "mandatory overtime" almost everyday, meaning 2-3 hours of overtime Monday through Friday, and 8 hours overtime on Saturday (and occasionally 6-8 hours on Sunday). The management sets certain ridiculous goals on the dollar amount of loans that must be processed every month. This makes management look good while the hard-working employees are treated like dirt. The employees in the department in which my friend works were forced to sign a form agreeing to do the overtime whenever it was demanded. If they did not sign this form, they were threatened with termination of their employment. I just wanted to let the customers know that for the most part, it sucks on the inside too. Thanks for listening...

- An angry customer writes... Like everyone else posting here, first let me thank you for your site!!! I too thought we were the exception, not what is apparently the rule! We purchased our home in Jan.99', & you already know who our finance co. is. At closing, we were told (and I have the letter) what our payments would be for the next 30 yrs. at a fixed rate of 6.875%.Well,all was well for the first year and that's when it started. After the first year they apparently reviewed our escrow and discovered that they had made a mistake and had figured our taxes wrong, thus escrow negative balance and higher payment. I too spent many hours on the phone apparently talking to the wall (for all the response I got) and finally just gave up & started the higher payments. So far this has happened almost every year, snowballing since the first incident & all totaled our house payment has gone from 429.00 to 674.00 in just three years! I have even begged them to tell me what I would have to pay into the escrow to get our payments back to where they were & they told me point blank they would never be there again. I f this keeps up we WILL LOOSE OUR HOME because of what was their mistake in the first place! Unfortunately due to a recent near fatal car accident my husband was in now our credit will not allow refinancing. If anyone out there is even considering using C.W., I beg you, DON'T DO IT!!! Also, if anyone has any ideas on legal recourse, I would love to hear them.

- A ripped off customer writes... 

- An angry customer writes... I can not believe I found this site!! I was actually looking up the corporate number for them in Illinois!! After reading all the horror stories in your site i to am fed up with them and i was going to refinance with them. I actually originally started my home loan with them in 2001. One of there branch managers was a friend of my husband and we went to her for our  home loan. She slacked of a little but finally we closed our deal. I can say I did all the initial calls and was pissed about that. After being with them for about 2 months my mortgage was sold, thank god for that or I would probably be in the same boat as everyone else. We recently decided to refinance again and give the once branch manager now loan officer a 2nd chance. BIG MISTAKE !!!! The refinance started off okay but again i was doing the initial calling. After finally getting the appraisal done, i tried reaching the loan officer (remember a friend of my husband). I left several messages with her at the office and on her cell phone, come to find out she is on vacation. The appraisal and all my information is some where and i was told we would close by the next week per this person at the beginning on the month. I called the branch manager (who didn't know her a## from the whole in the ground) who said there is no file for me just my name in the computer and now they can't find my file with my whole identity in it ( stubs, social sec #,tax forms ect..). The branch manager tells me they will do everything possible to close me at the end of the month but can not guarantee it. I again give them everything they need to start a new file. This was 2 days ago. I am to the point where if i did not have any answers by tomorrow they can kiss my a## good bye!!! oh by the way the loan officer friend of my husband never called me back do you think she felt stupid that i found out that she lost my folder? I think she lied to me and never was prepared to close this loan. They are incompetent liars, and think there shit don't stink when you walk in there office. I GOT NEWS FOR THEM IT DOES!!!! THANKS TO THIS WEB SITE I WILL NOT BE DOING BUSINESS WITH THEM NOW OR IN THE FUTURE

- An angry customer writes... Anyone else want to go after Countrywide Home Loans under the RICO Act? Countrywide Home Loans has erroneously recorded payment information, ignoring requests for corrections of forwarding addresses on statements, changing facts of records, relaying false information to the consumer/client which misleads and misrepresents accounting causing the foreclosure and subsequent auction sale of my home.   I was paying my mortgage payments to Countrywide Home Loans as directed by the courts and my attorney pursuant to our Ch. 13 plan.  Eight months into this plan, I had to appear in court because Countrywide Home Loans filed a Notice of Motion and Motion for Relief From Automatic Stay of the bankruptcy.  This means they had filed a complaint with the courts that I was not paying as agreed (8 payments remain unpaid?).     While in court, we were told by the attorney of Countrywide Home Loans (via telephone/televised teleconference) that if we faxed copies of cancelled checks, providing proof of on-time payments, he would get back with us and reconsider the motion, and we agreed.  Within a few days I was able to get back copies of all my cancelled checks and took them to my attorney.  While in my attorney's office, we were told by the attorney at Countrywide Home Loans that his work-load was overwhelming, after reviewing the file and cancelled checks he would get back with us as soon as he could.     Next, April 20th (Saturday) in regular mail (not certified, etc.), my attorney and I receive an "Order Granting Motion for Relief From Automatic Stay".  We called Countrywide's Foreclosure Dept. and we were told that our home was sold at auction the previous day.  Because I demanded the customer service person double-check with someone else, i.e.. a supervisor, she did speak with a technical person who handled these cases.  Within minutes I was told by this same customer service person that it was an error and the sale was not valid, but to check back within a few days, the tech's require our follow-up if we want this fixed in a timely manner.  Two days later, another customer service rep from Countrywide left a message on my answering machine, "the sale was valid".  Since then I have also been told by the Work-Out Dept. that it was noted in our file, "the sale is being rescinded".  Since then this same person has read in our file, that another Countrywide employee noted that April and May 2002 payments were not made. Most recently I've been told that it was also noted in our file that our first three payments, since the Bankruptcy, hadn't been made.     NOW COUNTRYWIDE HAS OUR DOCUMENTED CANCELLED CHECKS PROVIDING HARD EVIDENCE THEY RECEIVED PAYMENTS ON-TIME. To make a long story short, we have received an Unlawful Detainer; in other words- remove all personal property from the property and get out, or face further legal action.  I filed and answer to the Unlawful Detainer, but time is running out.  Next I believe I need to file an action to Quiet Title, which would include a Lis Pendens and other appropriate causes of action.  NOT ONE PERSON at COUNTRYWIDE HOME LOANS is sure what is fact or fiction about our situation.  We desperately are in need of a resolution. If anyone else has experienced similar circumstances with Countrywide Home Loans, PLEASE CONTACT ME IMMEDIATELY.  I will jump at the opportunity to join a class action lawsuit, or find the attorney to start one.

- A screwed customer writes...If only I'd known how desperate this company was to possess my lakeside property, I would have declared bankruptcy!! Got my "get out" notice this weekend.  I had lost my job last August (2001).  Acquired  part time (temporary) work until Nov.11, 2001.  I was blessed with a very good job.  I  thought they were "working" with me.  As of April, my statement said I owed $4600.  At that time, they asked me if I had any money to put towards the payment.  I told them : $3000.  Their employee in Texas said to fax them a copy of a "cashier's check" made out to "Countrywide".  I faxed them that information and other documents that I had previously mailed to them.  I had an additional payment to be mailed to them the next week.  That would add up to $4000, after which, I would have owed $650.  On April 17th, They told me to complete a "financial" report that I may receive assistance from HUD (?).  I did everything they asked of me...My documents proved that I could afford my home.  It is only in afterthought that I ask myself:  Why did they send me those papers which only served to push me past foreclosure?  I worked overtime to acquire that money. " My time with my children was limited 'cause I was working overtime.  My son graduates from high school May 25th.  I was so wrapped up in solving my housing dilemma that it is a shock to me that graduation is Saturday.  Tomorrow, my attorney and I will begin fighting eviction.  When I called asking questions about the foreclosure, I was given the run a round.  They told me that HUD was the only place who could handle my dilemma.  I called and that was when I woke up ...It was too late. "Ma'am," the representative said, "After the foreclosure of your home, the house goes back to Countrywide---we don't have anything to do with it.  They told you that to get you off the phone.  There is nothing at this point that we can do to help you and there is nothing that you can do."  I hung up the phone, called Countrywide, got forwarded to a very nasty man who told me that "Anyway, the house has been sold---sold the first day of resale.  The sheriff will be knocking on your door to evict you, any day!!!" .(Of course, you know that I accused Countrywide for working their plan to acquire my property for their own gain.) They stand to make a good profit from it.  I intend to fight this situation "tooth and nail".  It wasn't as though I didn't pay my mortgage before the loss of my job.  There's a heck of a lot more to this story...but I just want others to take heed:   DISTANCE YOURSELF AS QUICKLY AS POSSIBLE FROM COUNTRYWIDE------BEFORE THEY DISTANCE YOU!!!!! it's BEEN A NIGHTMARE!!!!!!!!!!!!!!!!!!!!!!!! And guess who purchased the property!!! Countrywide, of course....

- A former employee writes... 

- A disgusted customer writes... As I write this I am on hold with a Countrywide representative. After refinancing last November, I was told Countrywide had already paid my property taxes that were due on September 9, 2002. I received a letter for the tax commissioner eight weeks stating that a lien was going to be placed on my house on the 15th if the taxes were not paid in full including over $500 in late fees. When I contacted CW, the representative told me a letter was mailed informing me it was my responsibility to pay the taxes. He assured me a duplicate letter would be sent to me right away. Never got it... Every time I call to get a copy of the letter I am placed on hold for over thirty minutes until I hang up. In the meantime, I can't get any answers about if my taxes were paid or not.

Has anyone else had a problem with their taxes not being paid? I am disgusted and am thrilled to have found your web site.

- A ripped off customer writes... I have been paying online for quite sometime where my bank would send the payment electronically to Countrywide. All of a sudden Countrywide claimed they did not receive the Feb 2002 payment. When confronted by me and the bank they said they will do research which would take two weeks to find out what happened to the payment. Come March 2002 with no resolution to the Feb 2002 payment problem. This time Countrywide claimed that the March 2002 payment was not received either and they will also do the same useless research. Meanwhile my bank has been
working with Countrywide sending them pertinent evidence of payment. After two missing payments I decided to hand carry a full monthly payment check to one of their local payment centers on April 16 just on time to avoid paying the late charge (so I thought). On May 7, 2002 I received my May 2002 mortgage bill with a late charge of 10% because the May 2002 bill falsely claims that they received the April 2002 payment on April 17, 2002. Now would you call that honest or sleazy? They are a bunch of slick operators. The Receipt that they provide in their local payment office, Branch #5?, are in triplicate that contains spaces for Loan No., Payment Amount and Today's Date. Notice they do not have any space for Countrywide people to sign for receiving the payment. Did their lawyers advise them to design a receipt so they won't be answerable to anyone or are these some of their arsenal of devices to rip off the trusting, the innocent and the naive to generate late charges to buttress the company bottom line  thru fraud, deceit and whatever  else they can get away with. These people don't seem to run out of seamy ideas. Let me know if anybody has started a class action suit against these fraudsters or of any lawyers who can help or anyone or group who are effective against this monster.

- A very angry customer writes... They tricked me about a refinance a couple years ago and forced me into bankruptcy.   Then charged me $4000 for an attorney to “review” my file while I was waiting for refinance paperwork (which never came). Their latest stunt is to file against me in state court claiming I haven’t made payments for 5 months.  Funny, their own end of year statement filed for taxes with the Federal government shows payments made every month! So, who are they lying to:  the State government or the Federal government.  If there is any way to take legal action against
this company PLEASE count me in. 

- An angry customer writes...I too have a loan with countrywide. Like many of the other people on your site countrywide has lost close to 5 thousand dollars of my payments and will not take credit for there mistake. Now I'm going through a foreclosure because of them. If you or anybody you know has a class action suit against them please let me know. Thank you for the web site I thought I was crazy before I found the site and read what was happening to other people it all sounds so familiar.

- A ripped off veteran writes... You may have read our story on the rip-off report called countrywide is destroying our lives. Our story is not like anyone I've read on your web site. Not only have the ruined us financially, there taking our home, and they just may take my husbands life.
Countrywide does loans for the VA, they are mandated to follow VA regulations and Federal Law when doing a veterans loan. One of things they have to do is review the appraisal and other reports to make sure the home is safe, structurally sound and sanitary. If it's not the home can't go VA. Well, are was not, but they didn't tell, nor did they provide us with the reports so we could have known. They let us buy an unsafe home for their own profit. Well, we can't sell the home, it might be condemned as it's not structurally sound. We are in foreclosure because we had to put $35,000.00 into repairs not covered by insurance. Countrywide knew the home needed these repairs. We couldn't pay our mortgage and fix the house at the same time. Know their going to take our home and get their money that their not entitled to, as the loan isn't even valid under VA regulations. My husband has a life threatening illness, and the stress of all this mess has made his immune system so week, he's in the hospital fighting for his life. Please read my report on the rip-off report you can post it on your website if you want. Also I have a petition that if I can get enough people to sign, I might get some recourse. And it will cost countrywide a lot of money as I've heard they violate VA regulations all the Time. Please read it and if you will sign it and have everyone you know sign it.

- A new customer writes... 

- A disgusted customer writes... I am so glad that I found your website. You wont believe this but a CW employee told me about it. I guess she is fed up too. I am in the mist of a refinance with them right now, they hold my mortgage and told me to do a refinance to get rid of the PMI. Found out that they were paying someone else's taxes with my escrow money and it took 3 months and a call to Clark Howard's radio show to get that part of it worked out. Clark was madder than heck on those people! Anyway, I finally get the paperwork to close and it is all wrong! They are a mess over there, they shuffle your file from one person to the next and no one has any power to make any decisions. I hate CW too and told my friend (who is purchasing a new home) to stay away from them at all costs!!!!!!!!!!

- A very angry customer writes... 

- An unhappy customer writes... Thank you! Thank you! Thank you! I thought I was the only one!  I have had nothing but problems with these a@#holes too! Please let me know if you find out of any class action lawsuits, especially in regards to them charging bogus late fees and misappropriating payments.  I would love to participate. In addition, you and the other victims should know that you can file complaints on the Federal Trade Commission's website at www.ftc.gov --- although the Commission does not act on behalf of individual complaints, if they receive enough similar complaints they will investigate and possibly revoke Countrywide's licenses. 

- A grateful consumer writes... I stumbled upon your site by accident, and now I'm really glad I found it.  I live in McLean, Virginia and there is a CHL there.  Luckily, my husband and I do not have a loan with them and my condolences to everyone who does.  You are to be commended for performing a real public service and I will tell everyone I know about your site.  This is the only way consumers have to protect themselves and bring any sort of consequences to bear on horrible companies like CHL.