Countrywide Financial Oregon Home Loans Sucks

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

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

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

Oregon Home Loans Sponsored By US Home Loan
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Date: Tue 11/21/06 6:52PM
From: Dennis Bell

Message: FIRST, let me say this site is the very best way to deal with the fraud and questionable business practices being committed by Countrywide Home Loans against its una**uming customers. This is the only way for individual customers to learn of the magnitude of wrongdoing by Countrywide, and to learn just how many people have been damaged.
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www.ftc.gov/ftc/businessinfo/customer.ht m. The FTC does not resolve individual complaints, however they will investigate a company for repeated complaints related to improper business practices or fraud. If everyone who posted a complaint on this site would file a complaint with the FTC, Iím sure that would trigger a formal investigation against Countrywide Home Loans.
NOW...MY STORY: I refinanced three of my rental properties through Countrywide Home Loans in 2004. After about a year I noticed Countrywide began billing me for more than my payment amounts. In one case, Countrywide had purchased two insurance policies for a single house which depleted my escrow account on that loan. Because of their mistake they raised my monthly payment by $200. On another loan, Countrywide fraudulently raised my property tax bill from $151 to $1843.94 , then raised my payment from $179.29 to $477.77. When I made my monthly payments, I would mail three checks in one envelope to make all three loan payments were received at the same time. Even though I did this, Countrywide would credit one loan with a timely payment, then show the other two loans were paid late and charge a late fee. I tried for many months to get these problems resolved, but the harder I tried the more difficult Countrywide made it. In August 2005 I learned that Countrywide had reported that I had made late payments on two of my loans which ruined my credit. Although I continued to make payments, Countrywide filed suit to foreclose on one of my properties. I filed a counter suit and got a judgment against Countrywide for $556,000. Countrywide then filed suit to foreclose on my other two properties, so I have now turned the matter over to a wonderful attorney who specializes in lender liability cases. Countrywide Home Loans certainly has questionable business practices, but because they have become so large it is difficult to get sufficient information to drag them into court. I welcome all information and comments from past or present Countrywide customers who have been damaged by their business practice. My email address is oneoutback@comcast.net. I will update this message as the court proceedings move along. Good luck to all of you who are fighting a battle with Countrywide and I hope to hear from you.
Date
Left: July 03, 2006 By: CHUK In: Portland

Hidden fees, hidden fees and guess what? MORE hidden fees!! CountryWide loves pull those on you, as often as possible. I've been in my new home since November '05 and haven't made a regular house payment yet as they continually find ways to tag on a little extra. They even tried to scam me into paying another home inspection fee ($350) after the first one was done by a complete shmuk who MISSED 5 WINDOWS THAT HAD NO CAULKING ON TWO SIDES EACH!!! He was recommended by.....guess who? CWHL!! Granted, I'm not the brightest guy in the world, but I am one of the nicest and have never been treated this way by any other financial institution. I call for customer support and I get tossed between four different reps just to find the answer to one question. I must say, Countrywide has done nothing short of giving me a BAD taste in my mouth. Just can't wait until my pre-pay penalty period is over so I can refinance with an institution that doesn't keep you half blind about what's going on. Greedy bastards.


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.

To the comedian wrote the story about the late Countrywide agent. Please don't post the same message on other state pages, claiming to be from the local cities, they way Joe D. did. Although you have a great sense of humor. And yes, as a former employee myself there were alot of managers and employees in CA & AZ using drugs. Moreover, the same kind of crap Country Fried Chick just experienced was going around all over too.


Left: June 16, 2006 By: country fried chick In: Southern CA

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

I am currently employed by Countrywide and have recently experienced vile sexual harassment and financial abuse. I recently filed an HR complaint that resulted in my boss' termination. Thereafter, I was transferred for my "protection," given a position that I am lost in and did not want, and have been experiencing what I perceive to be (need to have my lingo legally appropriate) relatiatory actions on behalf of the management and executives.

I am in Southern California. I need to check with my lawyer to see if I can name the region in this forum.

I hate the company. I have been treated like a nothing and a plague. Everything the company does is with pretense and calculation. The game is being played by evil, narcissistic greed mongers. They place no value on human rights or suffering.


It seems to be common knowledge that the region is corrupt and just a good ole boys' club. I have heard that promotions and rewards are commonly believed to be based on long-term friendships, blackmail/bribes and (extramarital) sexual affairs. There seems to be quite a bit of evidence to support it; it just needs to be put together.


I was on a "privileged" team that virtually made its own rules and put a perverted, abusive non-supervisor in a supervisory role with me, after
having had notice of his past abusive behaviors. He acted as if he were above the rules, because the region had covered some of his past incidents from HR and even rehired him after he was fired by the parent company: Northwest Mortgage.

I have recently hired a lawyer to deal with executive management. I cannot say here, what it is that I seek; but we are wondering if there are any similar stories in the region that anyone can share. I specifically want to know about HLCs in supervisory roles, retaliation following HR complaints, the encouragement or discouragement of HR reporting, and any incidents that were minimized by higher-ups. My lawyer works on a contingency fee. I would never share names unless I had the express permission of the source. Even if someone can give me an idea of where else to look, it would be greatly appreciated. We'll do our own investigations. I want justice for others like me, and the company to face the consequences of their actions. I'm sticking around until it's done.






Left: June 14, 2006 By: In:

see colorado



Left: June 14, 2006 By: tom kluskfi In: oregon

We had a Countrywide agent come to our home. When he showed up 45 minutes late reeking of booze he told us he had car trouble. When we sat down at the kitchen table a small glass pipe fell out of his left brest pocket. Clearly this was an instrument used to abuse drugs. My husband & I asked this person to leave our home and declined his loan offer. Watch out for these guys!



Left: June 13, 2006 By: In:

CHL = Enron


Left: June 11, 2006 By: In:






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

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: April 30, 2006 By: In:

joe anderson ? why?


Left: April 25, 2006 By: In:

We have had a first mortgage with Countrywide for five years and have a perfect record. We always pay more than the amount due. However, Eight years ago we had a bankruptcy. Our credit score since then has been going steadily up...over 700 now. We recently applied over the phone for an equity line with Countrywide, and the rep said we were approved by their desk top underwriting. Weeks passed. Still no closing date in sight. Today we were told that the rate quoted was jumping to prime + 1.87 (I think) because of old information related to the bankruptcy that happened eight years ago and is being reported now by only one of the three credit reporting services (in error.) I told the rep every detail of the bankruptcy before he told me I was "electronically approved," and we have had a loan WITH COUNTRYWIDE for the last five years. Now we have an inquiry on our record with a denial that will lower our score and we, appartently have no recourse since we don't want to accept the "bait and switch" to a much higher rate.


Left: April 25, 2006 By: Bradley In: Gresham

We have had a first mortgage with Countrywide for five years and have a perfect record. We always pay more than the amount due. However, Eight years ago we had a bankruptcy. Our credit score since then has been going steadily up...over 700 now. We recently applied over the phone for an equity line with Countrywide, and the rep said we were approved by their desk top underwriting. Weeks passed. Still no closing date in sight. Today we were told that the rate quoted was jumping to prime + 1.87 (I think) because of old information related to the bankruptcy that happened eight years ago and is being reported now by only one of the three credit reporting services (in error.) I told the rep every detail of the bankruptcy before he told me I was "electronically approved," and we have had a loan WITH COUNTRYWIDE for the last five years. Now we have an inquiry on our record with a denial that will lower our score and we, appartently have no recourse since we don't want to accept the "bait and switch" to a much higher rate.


Left: April 19, 2006 By: In:

Just had a horrible experience with Countrywide.


Left: April 10, 2006 By: In:

enron?


Left: April 09, 2006 By: In:





Left: March 16, 2006 By: In:

brian hale sucks


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 07, 2006 By: # In:

Actually if I knew your real names then it would be more applicable.


Left: March 03, 2006 By: In:

kind of like what you just wrote ?


Left: February 27, 2006 By: A friend In: LS

I think you people should be a little more careful about what you say about people. Unless you want to leave your real name and place of work on here its a little retarded for you to make public critique of other people. Maybe you should go say it to their face without the ridiculous comments on here. You take a risk when you borrow money like anything else in life. Don't leave it up to someone else to tell YOU what you can and cant afford. If you cant do the basic math then you have no business borrowing the money period.


Left: February 24, 2006 By: In:

this is a "countrywide home loans sucks" blog. so your girl is the best at sucking ??


Left: February 23, 2006 By: Cynthia Roxanne Porchia In: Beaverton

Kahren Oxner is the best!!! and you suckas are just jealous!


Left: February 16, 2006 By: In:

sounds like tara is banging peter.


Left: February 15, 2006 By: Tara Marshells In: Azusa

Wow, It's hard to believe there are this many people hates Countrywide. If I didnít see for myself I wouldnít believe my friend. After hearing her complained to me about countrywide and told me about this website, I decided to check it out myself. I got my loan from friend of a friend and his name is Peter. He work at www.Activestatewidefunding.com He is very knowledgeable about loans and maybe he can help advice and give some of you the information you need. I did ask Peter if I can send some of my friends to him and he said YES! Hahahaha Ö Boy, is he in a big surprise. When you call please let him know Tara send you.


Left: February 15, 2006 By: Tara Marshells In: Azusa

Wow, It's hard to believe there are this many people hates Countrywide. If I didnít see for myself I wouldnít believe my friend. After hearing her complained to me about countrywide and told me about this website, I decided to check it out myself. I got my loan from friend of a friend and his name is Peter. He work at www.Activestatewidefunding.com He is very knowledgeable about loans and maybe he can help advice and give some of you the information you need. I did ask Peter if I can send some of my friends to him and he said YES! Hahahaha Ö Boy, is he in a big surprise. When you call please let him know Tara send you.


Left: February 15, 2006 By: Tara Marshells In: Azusa

Wow, It's hard to believe there are this many people hates Countrywide. If I didnít see for myself I wouldnít believe my friend. After hearing her complained to me about countrywide and told me about this website, I decided to check it out myself. I got my loan from friend of a friend and his name is Peter. He work at www.Activestatewidefunding.com He is very knowledgeable about loans and maybe he can help advice and give some of you the information you need. I did ask Peter if I can send some of my friends to him and he said YES! Hahahaha Ö Boy, is he in a big surprise. When you call please let him know Tara send you.


Left: February 09, 2006 By: In:

sounds like fraud


Left: February 07, 2006 By: MJS In: Georgia USA

If there is any crooked companies out of experience, would be Option-One out of molten NJ, and HSBC for in house bank electronic with drawls from a savings account!!! that's right inside bank withdrawals from a savings account! And worse is HSBC post dated checks, the day you confirm to have funds pulled a week later, they pull it the day the talk to you, AND the day you said to pull it. Creating NSF, making to bank charge you fees for HSBC manipulating the system. This happened many times to me. One time they cost ed me over $893.00 in NSF because they tried numerous time pulling money that they were not authorized to pull on such dates, even made up there own seq number of checks?

HSBC stole money from me and my family, and never blinked once. Even after going bankrupt, selling my home to payoff my 2 mortgages. Even a few years later they continued to remove all go credit off my report, turn bankrupted notes over to collections 3 years after the fact AND put it back on my credit report along with stuff that was not even mine. (HSBC credit reporting) They alone put my score to 491 from a 775 AAA credit.
After moving out of state and a new home! No broker or even credit union would even touch me because of my score. because broker could not make a hefty buck with interests rates of 9% 9.25% and even one at 12.3%

Countrywide looked over my score, I showed them what HSBC was doing to me (EVEN had Proof from my bank, which gave me the Fraud proof I needed). So the countrywide rep Lee, with all the proof of companies like what HSBC is doing to my report. I got an interest rate better then what I had, I paid a little more a month. I got to keep my new house. No other company could do what Country Wide did.

Now its has been over a year and my credit score is coming back up and country went out of their way to make the interest rate better because I have paid on time every time.

I never seen a company care like countrywide!
And Yes HSBC listen up, you made me so broke I could not even hire a lawyer at that time. I am bouncing back and will show others my damnedest of your low balling receive a check payment (on the 11th with drawn from my bank, sit on it for a day or two, then on the 13th change me a late fee because you did not have the funds on the 12th) and it is not one time but many times. I figure HSBC owes me over $3,000 is these so called fees charges and lies. AND FROM THAT the multiplied credit reporting of lies which caused me to pay HIGHER interest rates because of a false credit reporting on HSBC behalf!!!

Believe me out of experience, I know what getting screwed over is, every one wants to make money, its a part of life and business. Countrywide had every right to say no to me, or even take advantage of me because of my score, BUT Countrywide Financial did not!

Thank you dearly Countrywide!



Left: February 07, 2006 By: In:

ohhhh, such big boy!!!


Left: February 05, 2006 By: matthew olsen In: medford

If you want to talk post your name and number


Left: February 05, 2006 By: In:

matt - it is countrywide not country wide. one word. it is obvious someone from countrywide is giving you a kickback. this is a violation of respa. federal investigtors are ALL over CHLs "arrangements" so i would run from CHL as fast as possible. going down!


Left: February 04, 2006 By: Matthew Olsen In: Medford, Oregon

I decided to write in and thank the Medford Country Wide office for completing a new loan for my friend.

Thank you Medford office.

Matthew Olsen Construction (ccb116801)

Contact me at mattolsenbuilder@aol.com


Left: February 03, 2006 By: In:

NO ONE CAN LIE LIKE COUNTRYWIDE CAN

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

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

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

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

No one can screw you like Countrywide can.


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

Improper Home Charges

Read then File a complaint

www.zimmreed.com




Left: January 29, 2006 By: In:

NO ONE CAN LIE LIKE COUNTRYWIDE CAN

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

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

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

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

No one can screw you like Countrywide can.

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



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

Notice: Must Read

Sweat Shop Employees www.gdblegal.com

Appraisal Overcharges www.sherlocklegal.com

Wrong Doings www.jameshoyer.com

www.ripoffreport.com

file your complaint



Left: January 17, 2006 By: In:

Countrywide is a PREDATORY LENDER. They solicit their own elderly and disabled borrowers on fixed incomes who currently have a nice low interest, fixed rate mortgage, and bait them with the sales line that they can reduce their monthly payment by maybe $50 to $100 a month with a fixed period ARM or Pay Option ARM. To these elderly borrowers, some who have diminished mental capabilities, who are payment and budget sensitive, this extra money for their budget seems good on the surface. Nevermind that the closing costs rolled into the new loan will take years to recapture if ever. Nevermind that the loan goes fully adjustable in as little as one month or a period of months. Nevermind that the new ARM probably has a prepayment penalty clause. Talk about pulling the rug out from under these payment sensitive borrowers.

It would make more sense to get a small, no closing cost, home equity loan and draw out that extra $50 or $100 a month of their equity to make up the budget difference. There's more profit for Countrywide by doing the full refinance. All those affiliate companies from Landsafe credit, appraisal, title, and escrow pump a lot of money into the company, not to mention the 3 point pricing profit thatís hidden on the backside through their higher rates, compared to what is readily available on the open market.

What do you call a company who refinances their own customer and they already have just recently refinanced them in the last 24 months or less. MORTGAGE CHURNING



Left: January 11, 2006 By: Kathleen Piper In: Eugene

ATTEMPTED FRAUD: I bought a home in Carmichael, California, for my grown son, grandchildren, and myself. The papers were transferred to Countrywide from the original lender. I changed my mind about moving to Califonia, and my son began making the payments on the house. After I had held title for a year, I decided to sell the house to my son. No prepayment penalty after a year was specified in the original papers. Counrtywide insised there was a prepayment penalty, and attempted to charge my son. Meanwhile, Countrywide bagan calling me to attempt to renegotiate the loan with me, telling me that lowering the intereat after a year from the initial high rate would offset the prepayment penalty, so I should pay it. These attempt at fraud did not stop until my son could get into the Sacramento office with my copy of the original papers.
FINANCIAL LOSS: This took some time, so he was no longer elligible for as favorable and interest rate with another lender.
HARASSMENT: Countrywide has been calling me ever since, asking me to renegotiate this loan. That is, one or two times a week since August of 2005. I have told them every time that I intended to sell the house to my son and was not interested in renegotiating the loan, nor was my son interested in them as a new lender. I have told them exactly why I do not want to do business with them. I have asked them to stop calling. I have asked them to stop giving my name to their phone soliciters as a referral. I have told them how many calls I have been getting, and for how long, and said I was very upset about it. Countrywide sucks!



Left: January 10, 2006 By: In:

sure "matt", sure.


Left: January 05, 2006 By: Matthew Olsen Construction 541-779-8920 In: Medford

Matthew Olsen Construction CCB116801

I am writing this letter to give thanks to the Country Wide Office located in Medford, Oregon.
My loan officer Kelly Lauerman and his happy staff,especialy Cheri Banta have been great help on many loans I have taken out for personal homes to be constructed, refis, and construction loans. Country Wide has made my business a success. I have given Kelly referals several times.

My suggestion to people who can't get their bills paid on time is set up an auto deduct right out of thier checking account.

My company specializes in new construction of custom homes. If you are wanting to get into a new custom home Email me mattolsenbuilder@aol.com Design/Build custom homes. Statewide,I can get it done.

Thank you Country Wide


Left: December 12, 2005 By: Responsible Client In: Portland, OR

Great note, Top Producer! Do you notice how most of the people who leave messages here can't even spell? They are all idiots! I have a home loan with Countrywide and they have been WONDERFUL! Stop blaming others for your inability to be responsible adults. It's not Countrywide's fault you can't pay your bills! Countrywide ROCKS...there is a reason why they are the #1 lender in the country. GO COUNTRYWIDE!!


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 03, 2005 By: TOP PRODUCER In:

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

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

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



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

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



Left: July 29, 2005 By: Michael In: Chicago

Who was your mortgage with that you had a prepayment penalty? Did you send your payments to the right place? Countrywide has 2 payment centers. It can be a bit confusing, believe me. I can't believe you let a mortgage broker talk you into a loan with a prepayment penalty. Most respectable mortgage professionals won't even think about giving a borrower a loan with a prepay. I refused to do so when I wrote loans.


Left: July 28, 2005 By: Brandon In: Forest Grove

My mortgage was sold 3 months after I bought my home to Countrywide home loans. The 1st two payments I sent to Countrywide were lost by them. The 1st payment sent was not found for 4 months, while the 2nd payment sent only took 2 months for them to find it. During this 4 months they had somebody from their collections department calling everyday wanting money they already had. Pissed us off enough to refinance our house with a new lender paying prepayment penalties.


Left: July 26, 2005 By: In:

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

Michael


Left: July 12, 2005 By: Jennifer H In: Tigard

I was going to use them for my mortgage, but thanks to the website, I know better. Good luck with the fight.


Left: June 24, 2005 By: COUNTRYWIDE DOES USA In: No Lube

Tim Haskins and Kahren Oxner are lovers. I work with them and they get it on during work hours!
Oxner isn't too bad in the sack either!


Left: June 22, 2005 By: Bob Alred In: Salem

These clowns have been giving me the run around for over 3 months on my loan. I have a 700+ beacon score but they are trying to give me 8% on a home in se salem that I only owe 70% of it's value. It is beautiful with a great view and two bathrooms. They would not even try to appraise it becuase they don't want to lose the 6.5% interest I am paying them now. This new guy named Chandler something or other is quite a babbler. I am not impressed as he has given me nothing but heartache and misery. I thought this company was good and dedicated from my previous experience with them in Pasadena, California. Now I feel like these guys at the Salem branch are a bunch of hill billies. I went over the to the new Bank Of America across the street and they even verified that this David Chandler doesn't know what he is doing. My loan was approved in one week and funded yesterday only took 27 days. Goodbye and farewell Countrywide and the Salem branch good luck trying to make it in the 21st century! Bye for now, Bob


Left: June 22, 2005 By: loans are fun but not cuntrywide In: dallas

cuntrywide is the biggest bunch of unprofessinal clowns ever. Tim Haskins and kahren oxner are the biggest bullshit liars ever.


Left: June 02, 2005 By: Gail Mitchell In: Clackamas, Oregon

I can't believe this website -- we have gone through hell with this disreputable company. We bought a home and our mortgage was sold to Countrywide and then the nightmare started. They cannot find our payments - some are finally found after months and they were posted to other people's accounts in error. Why has the government not shut this business down.
I am in for any class action suit - someone needs to go after this joke of a company.


Left: May 19, 2005 By: Already ticked off In: Eugene

Our 2nd mortgage was sold to CW in April 2005. We received a letter MAY FOURTH, postmarked May 3rd that our loan was bought out and we MUST pay them on the FIRST, yet we didnt get the letter until the 3rd (not to mention the date of the actual latter is April 28th - thanks for the 2 day notice you want our money). They have called EVERY DAY for the past week demanding payment, but we had already paid our old servicer since it was due on the 1st. My husband tried to work this out on the phone, and they convinced him to pay this month anyway INCLUDING A LATE FEE (I would have never done this, I have been in real estate for 7 years) even though we arent late - we paid this month's mortage already to our previous servicer!!! Even on the little cheesy payment coupon they sent us, the only thing it states other than our name and loan # is "We may charge you a fee for any payment" on top. After seeing this website, it is very obvious that when they purchase bulk loans from other institutions, they purposely wait until the last 2 days of the month to inform you, but do not mail it until 2 days AFTER they claim you owe them the month's payment, then try to bully you into paying AGAIN WITH a late fee!!!! I can tell this is going to be one company that will continue to mess up the account.


Left: April 27, 2005 By: Janet In: Eugene

just wanted to add:
I hate countrywide but I LOVE countywidehomeloansucks.com!


Left: April 27, 2005 By: Janet In: Eugene

Countrywide TRULY sucks! The first payment I made in Sept. 2004 was "late after Sept. 16". I mailed it on Sept. 7. A day or two later, I began receiving calls from them everyday, demanding payment. Of course I told them when it had been mailed. On the 15th, they demanded I stop payment on my check and pay by phone. I did. It cost me $20.00 to stop payment, $15.00 to pay by phone. A couple days later, I noticed it had not been withdrawn from my account. I called them, found that I had left an 0 out of the numbers, so it had not gone through, unknown to me. THEY HAD RECEIVED MY CHECK ON THE 15TH when they harrassed me into stopping payment. So, I got charged for a bad check and late fee that THEY CREATED. The phone rep was nice and was supposed to have removed the late fee, but it did NOT go away. I ignored it until today, because the thought of COUNTRYWIDE MAKES ME SICK. Well, my April payment was sent priority with delivery confirmation, they received it on April 16th, at 7:20AM. I have received a late notice which says it was received the 18th. The rep removed both "LATE CHARGES" as a "courtesy", with a warning that I have used up all my courtesy waives. What kind of courtesy is that, when my payment wasn't late to begin with? I HATE COUNTRYWIDE!!!


Left: April 11, 2005 By: Thelma Stone In: Portland

I am so thankful for your website , was getting on here to look for CountryWide in Washington where I had talked to a senior loan officer . I wanted a cash out refi. Was told I could not get a summary of truth and lending until I made a committment ,and paid money for appraisal out of one of my credit cards. I was dealing with their Oregon office and wanted to see the difference in what was said. My gut told me something wrong here . Sure enough found out through one of my Capital One credit cards, dealing with them sounds exactly as others experience with Countrywide , Guess What! if it walks like a duck, talks like a duck IT IS, ironically they are owned by the same people. I am pursuing a lawsuit against the credit card company for generating bogus late charges.billing errors and not sending statements or sending to the wrong address. I think deliberly .I could not even imagine going through this with my house lnvolved.
Just trying to straighten out the credit card situation is more then a nightmare. I have a log and have been treated so rude by reps. and sent all over the place . What a conniving, dirty practice to fill their pockets up. I wonder how they can sleep at night . I simply cannot THANK YOU enough.



Left: April 08, 2005 By: Norm Sundholm In: Portland, OR

I am a previous Countrywide Employee who worked for them for 2 years as a loan officer. I had heard before I accepted the position that Countrywide was hard on employees. That is an understatement. I voluntarily quit and had to sue for back commissions which they finally agreed to pay. I left due to bad working conditions and rates that were not competitive. After I left, most of the rest of the office left including the manager who did not even give notice. On the upside, I can give them credit for processing loans and getting them done within the office I was at. I can not make this claim for a loan I did through the Denver regional office that was a total nightmare. Countrywide ended up giving the customer $400.00 credit to closing costs to cover their gross negligence on the loan.


Left: March 08, 2005 By: MATT BAKER In: ANAHEIM, CA

LOOKING FOR A GOOD EXPERIENCE IN REFINANCING OR PURCHASING. CALL TODAY'S HOME MORTGAGE ASK FOR MATT BAKER 888-276-7100


Left: November 20, 2004 By: LEA In: Eugene, Oregon

I am a mortgage lender for another company. I did a loan for a disabled VA client. his loan was sold by our company to Countrywide. well he had automatic payments taken out of his checking account and on the third payment they accidently took 3 x his mortgage payment & caused his account to be overdrawn. I helped him thourgh this, because his account was overdrawn he had no money to buy groceries and when I called CW for him they told me it was a HUGE computer ERROR and 1000's of peoples account had this happen & it would take them a minimun of 3 weeks to straighten out. We reported them to the proper people & my customer had his money back in his account with in 2 weeks. This was horible & embarrasseing for me, as I dont' have anyting to do with my company selling of their loans.


Left: November 18, 2004 By: MARK E In: DALLAS

WE WENT THROUGH THE VERY SAME NIGHTMARE WITH WASHINGTON MUTUAL.UNTIL I WALKED INTO THERE OFFICE AND SAID THEY HAD 3 DAYS TO MAKE PROGRESS OR IT WAS LAW SUIT CITY !! IT TOOK 3 MANAGERS
TWO WEEKS TO FIX,RULE NUMBER ONE NEVER GO WITH AUTOMATIC WITHDRAWAL PLANS,ALWAYS MAKE EXTRA,PRINCIPLE PAYMENTS,AND MAKE THEM IN PERSON
MARK IN DALLAS

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