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Countrywide Financial - Pennsylvania Home Loans - Equity Loan Mortgages SUCKS!
Pennsylvania Home Loans? Sub-prime (bad credit), Need money, Mortgage Refinance, Or Want A Home Equity Loan Pennsylvania and dont want to get ripped off or have hiden fees on your Home Loans?
Need A Home Loan PA, 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 Pennsylvania (PA) have been saying...
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ADD YOUR STORY
Left: August 04, 2006 By: Truth Commision In:
Re: Mark Johnson, per July 11th post
The only who has shown a low level of intelligence, lack of education, and spinelessness is YOU!
Just because people have valid complaints about your company, that they come forward when your company doesn\'t post post payments, misinforms them, commits fraud and deceit, and rips off employees and its customers, doesn\'t give you the right to call them irresponsable people or alcholics. You Mark, are more likely a crackhead working in CW\'s management.
There\'s enough folks from all over to say Countrywide is a crooked corporation. And its decline in sales, but increase in profits speak for itself. And you Mark, have a word as good as a three dollar bill.
Next time Mark, please write something credible and intelligent. Because you are wasting the time of readers who think you have anything worth reading.
Left: July 21, 2006 By: In:
new email is bridgegirl1974@yahoo.com, but will respond to all on this board. the owner of this board will not sell out to CFC and CFC will not go to a public court to sue due to the fact their execs would be called as witnessed and sworn under oath, something they have never done and the company will pay any amount to make sure they don\'t get examined in the public eye due to the embarrassing and possible criminal actions of the company.
Left: July 19, 2006 By: In:
obvious countrywdie person, they did not say why not to contact her, but use the site, dont email her, it is all good either way.
Left: July 19, 2006 By: In:
why not contact bridgegirl@yahoo.com? she has been helpful to others and to me and only the company would not want anyone to get together and compare notes....ask countryfried chick and look at the posts of bridgegirl24@yahoo.com.
you can also go to the CFC stock message board and see her posts, as I know it, she was sexually harassed and crushed by CFC for complaining about it and other issues. she has fist hand knowledge, knowledge of others violated and overall helped me and many others, so anyone who claims she isn\'t is a Countrwydie employee sent here...nice try. post on this board if you do not want to email, but I will always help those whop ask for it and are clear about who they are and what they are trying to accomplish, you are not alone!!! brigegirl24!!! bridgegirl24@yahoo.com
Left: July 15, 2006 By: In:
I am on record that I don\'t think much of this mortgage company and, consequently, I should therefore not care about their employees, past or present, but since I am an honorable person I thought I would warn anyone thinking of contacting this person for help/or advice (bridegirl24@yahoo.com.) DON\'T DO IT!!
Left: July 12, 2006 By: In:
if you were a past employee or current one who was wronged by this company please email me for help and to share and join together... bridgegirl24@yahoo.com
Left: July 11, 2006 By: In:
Dave-
You have a 580 credit score, foreclosures on your credit and I am sure it took them hours and hours to explain what a loan is since you dont understand it at all, but what is best is that you found this site ...somehow...and post such silly things to protect a company that charged you 3 points on the front, helped you lie about your income and got 2 points on the back to help you buy that $72k home you and your 7 children and toothless wife are in..
honestly, it is great they send employees to the site and show how scared they are of it....noone says they do do loan dork, it is that they do them criminally...total dork and lost but paid to be on this site we are all sure, why else would someone go to a site and stick up for their lender????? hahahahahahaa we can see these dorks and scared scum a mile away...
Left: July 11, 2006 By: In:
we all love when the company sends a piker like this to stick up for the company, it validates it all, have the piker tell us what is a lie and what is not true, the facts are there and I am sure that the company paid $30 million in overtime because the case had \"no merit\" as countrywide scum stated to the press, hahahahahahah noone has paid out $30 million ever with a case of no merit! ever, and to this date this company and their executives have never been sworn under oath and examined by the knowledgable their criminal dealings, settle settle settle in arbitration always, make the customers sign arb, make the employees sign arbs and in the end keep it from the public.....funny funny hahahahahaha how the company sends a messenger boy to this site showing they are concerned concerned concerned of the truth..
the company could try to prosecute the owner, find out who posted the post by discovery and prove it to be fales, but no no no , the company would never do that because they KNOW the shit is true,,,, the criminals at this company are known by most of the world, and nobody would come to a site like this to stick up for a mortgage company EXCEPT company sent worried executives of the truth getting out...
Funny, but the web owner just got renewed for 10 more years and this site is being filled with viruses by the Countrywide India people, love Countrywide, hires all the cheap labor in India, and after they realize in Californai they are getting crushe ($30 million settlement for overtime crimes)they have bought land and are moving to Texas and FLorida, loose states for employee rights...running like the wind...hiring in India instead of USA and destroying employees and those who complain, fraud is big time all over the COmpany led by California and the scum there..
we LOVE that the company send reps to post on the site..
Go to the press and tell your horror stories if you have been wronged, never contact the scum at the company and give them a chance to cover it up, which they do to protect their license....hahahaha
worried countrywide all scared over a site, now that is a guilty guilt consicience..
Left: July 11, 2006 By: Mark Johnson In: Doylestown
I cant belive you can post whateva you want on this website. It completely invalidates everything written on here cause the webmaster doesnt even check his facts. I am sure he probably just some crazy alcoholic who missed his payments and under some magical inspiration decided that the best way to get off the bottle was to occupy himself by blaming his problems on others. CHL was an easy target because they are the leaders in American loans. His story is ridiculous and full of wholes. Why would they give THREATENING calls. CHL has no reason to be threatening. I think maybe this guy needs to hit the prozac bottle and lay off the crank cause his gearing is making him lit. Overall, I feel this site demonstrates this guys lack of intelligence, lack of education, and lack of a backbone.
Left: July 11, 2006 By: Dave Gellen In: Latrobe
Yeah I am pissed! I cant believe CHL offers so great loans. I mean they stayed on the phone with me for hours and worked very hard with me to create a loan that was perfect for situation. I mean, my credit was so bad but CHL really tried to help me out and they did. I was even an idiot and sent some of my payments in cash by mail. Of course it got ripped off somewhere in the mail but I called and got extensions on my payments while the mail theft was being investigated. I am sick and tired of CHL offering such quality service. I mean they even sent a deatiled description of my loan package and scheduled a phone interview with a representative to make sure I fully understood my loan....can you imagine the nerve.....uh...theyh think they are so good!
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!!!
Left: July 06, 2006 By: Jill Ann In: Stewartstown
I live in PA now however when living in VA we had Countrywide and it wasn\'t until the sell of our house that we started having problems. When our credit was pulled to purchase a house in PA they showed us as late all the time....we had to go through what I assume is similar to hell to get it resolved. Copies of checks, letters, phone calls....anyway once we moved I only assumed things were fine until we went to refinance when on our credit report it stated that we were still with Countrywide (looking like we had two mortgages)and have been late for the past year!!!! UNBELIEVABLE!!!! Our credit was shot...we couldn\'t do anything. It was a night mare and and now two years later we are still suffereing the credit problems. DO NOT GO WITH COUNTRYWIDE!!!!!!
Left: June 27, 2006 By: carmen perez In: phila
Hi, yes you are so right i had an experience with countrywide home loans this week,my daughter apply for a morgage but was turn down because they want to know too much and get into your personal detailed of your business,plus i heard that their percentage is 11%- to 12%, so please dont get fool by them, when they especially want to offer a good deal because they dont, they really suck i agree
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/E’s 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 and that other idiot \"Top Producer\" 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 18, 2006 By: In:
Money brings high end talent to a company. playing around with high producer\'s wallets gets rid of talent real quick. CHL is messing with the wallets of the talented people that made CHL # 1. Well it won\'t be long before CHl starts the slide down the ladder to be like all the other cruddy Mortgage Lenders. Looks like Wells will be back in the sadlle on the stagecoach, once again. Phuck Kuntryfried!!!!!!!!!!!
Left: June 16, 2006 By: Karen Auffenberg In: pittsburgh
I have been a realestate agent for 13 years in Pittsburgh. Countrywide has cost me to lose deals and has caused me problems 3 times this year. When I have a problem you get kicked to the wind. There South branch on Washington Road zipcode 15241, has the worst management I have come across in my career. I as a good hig volume agent have had enough, I will pass the word to fellow co workers. I have tried to get help from Kim who is Kathy Santa boss what a waste that was. I have written to headquarters with my story, which I will post on this site, I am anxious to see what they are made of. I am going to use another mortgage companys for all my deals from here on!
Left: June 13, 2006 By: In:
CHL = Enron
Left: June 11, 2006 By: In:
Left: June 11, 2006 By: Joe D In: Erie
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: May 12, 2006 By: In:
Phone The Office of the President. This department Will take care of your complaint. I do not have the number handy, since I left CHL a few months ago, but you can get it from CHL\'s 800 customer service #. www.countrywide.com
If you want to really have some fun, phone the loan officer and the branch manager and ask for it. Employees tremble when they hear Office of the President. Good luck.
Left: May 03, 2006 By: Steve In: West chester
I was looking for a basic 30 yr fixed loan in 2006. Interest rates were on the rise which concerned me because I had to secure a loan on new construction that I could not close for over 3 months. In shopping for a loan Countrywide had an appealing program which was a guaranteed rate cap. The LO said ONLY that I had to put up a deposit of 1 point that would be put towards the closing cost. If I went with another mortage company I would forfeit the deposit. Fair enough. When I went meet the LO and fill out the application he requested the deposit at that time. I gave him a check as he assured me it would not be cashed until the loan went into underwriting. Once I got the underwriting packet I discovered in the rate cap agreement that CW would charge a higher fee to lock down the rate; i.e. if I locked at 30 days they would charge me the 60 day rate. This had never been brought up before. The LO kept saying \"don\'t worry. We will compete hard for your business and adjust the fee down when you lock in.\" BS! Why should I trust them to negotiate if they have 1 point ($3,400) of a deposit over my head if I walk? I went right to my online banking and what do you know? They had already cashed the deposit check! I have been calling and emailing the LO for over week with no response. I even called to speak with the branch manager and the receptionist said they didn\'t have one. What a load of crap. My radar has been in overdrive for a while and now that I found this site I\'m getting a big dose of reality. Wish me luck. It\'s going to be a nasty fight for sure.
Left: April 30, 2006 By: In:
joe anderson? why?
Left: April 27, 2006 By: In:
the EEOC works, also.
Left: April 27, 2006 By: In:
You all can report them to the Pennsylvania Dept. of Banking...you can do it annonimously online and you can strictly do the local branch or the corporate office. I did that when I was fired for no reason and HR did absolutely nothting..and being in a AT WILL state there was nothing a attorney could do. I contacted the dept. of banking and reported the people in the local branch I worked in that were fraudulently doing loans.....keep good notes and names written down....It does work.
Left: April 17, 2006 By: In:
CHL
Left: April 17, 2006 By: In:
Left: April 15, 2006 By: rs In: atlanta
margeret - all too commonn! My former company has gone form the penthouse to the out house. give me a call or e-mail me and i can help you with your problem. trust me, the way CHL corporate treated very loyal, dedicated, hard working, customer oriented, employees it has now become my goal to right all wrongs that CHL throws out on the consumer.
phone 404-364-0374
e-mail rob.simmons@yahoo.com
Former senior mortga banker at CHL.
Left: April 14, 2006 By: margaret oakley In: Bangor PA
my husband an i were approved by undrwriting dept
for a 30 yr 5% fixed rate loan.We had a construction loan and anybody who has had one knows when the appraisel,title and underwriting docs are completed, your loan closes at this rate.Although we paid interest only while our home was being built. And we also had a rate lock agreement which we paid 1.125% in points to keep it a 5%.I was in the hospital with a serious kidney disease and the loan hag told my husband to come sign.Low and behold they tell him he needs to sign or no loan.He than said I think I should have my wife see 1st. Loan HAG tells him i already did and said it was ok.OKAY to change to an ARM no f in way. Anyway we move in in Oct. in Nov. We rec a modification agreement to note and Mortgage 5%, 30yrs, new maturity date. We had to have it notarized and send back to cw pres for his notary. I called 6 people for them to change my loan billing.After putting me on hold..they come back and say you have an ARM. I ask do you know how to read.Anyway I decided to call the county deed office where the mtg is recorded.The girl tells me this is your mtg doc. 5% 30 yrs etc..Has this happened to anyone else?????And how the hell do you get them to right a wrong
Left: April 11, 2006 By: In:
Enron ? S&L crisis ? CHL ? Hmmmmmm
Left: April 06, 2006 By: In:
you need to phone the real estate owned (reo) department.
Left: April 05, 2006 By: John In: Pittsburgh, Pa.
I just called Countrywide for a froeclosure that is next to my property, and I hung up afer I talked two 3 dumb women that made me sick, with their stupidy and non informational state of mind...no way that I want to do business with them after I read all these letters
Left: March 31, 2006 By: Mrs K In: Pittsburgh, PA
My son house was broke in by Countrywide \'inspector\' 3 weeks ago (March 3rd 2006). I was told that they have the right to \'secure\' the property because they thought it was \'vacant. My son closed on the property (Nov) and was going to move in but was shipped out to GA for military operations the following week. We have not furnished his house knowing that he will have to move again. The house was put up for sale the following mth. His girlfriend sleep there periodically when she was in town. All the utilities were paid to date. I (the mother and also the power of attorney) lives next door and was constanting checking on the property and also work around the yard to inprove the facet of the property. The \'inspector\' called my agent the same morning and demanded that she meets with him in 10 mins or he will \'hammer the door down\'..My agent who was in Arizona at that time told him (the inspector) to contact us (who live next door) before he take any action. The inspector did not bother to do that, instead he broke into my son\'s house bcos he was given the \'power\' to do so. My husband who was painting next door (he is the builder - there was 7 houses on the same subdivision that we develope) got the phone call from our agent and was able to stop him for doing more damages. When I filed a complain to the OFFICE OF THE PRESIDENT I was told they are sorry about what happened and will pay me for the lock. That\'s about all I get from them till to date. Their argument was we were a month behind payment and they have the right to jammed down our property. Even though I explained that I THOUGHT the reason I dont get the invoice from them is bcos the loan was change from \'construction phase\' to \'permanent phase\' and most of the time and we get a skip month (paying on the reat). They said it is my fault for not following up and I should have know better. I did not recd any due process for late payment nor have recd any warning about this inspector coming. I recd a letter from their insurance dept typed on the 27 feb, postmarked on the 2nd and got to me on the 10th. In the letter I was told to call them to confirm that the house is winterised and not vacant. My house (my son) was broke in on the 3rd. On the 10th, when I got that letter I called the person who signed the letter a Mr Ryan and was told that dept \'no do recd call\'.....Can someone explain how I am going to get in contact with a dept that dont recd call to verify what\'s in the content of his letter????? I asked the office of the president, but was given no reply to that... As a builder, I always encouraged my clients to use Countrywide Home Loan in the past, NOT ANYMORE. I will be happy to join all of you who is going to \"BOYCOTT\' countrywide and please spread the words around. I think that is the only way we get justice.....they are a big company, they dont really care if they loose out one or two businesses but when the BOYCOTT gets around....I\'m am sure someone will listen....
Left: March 31, 2006 By: Mrs K In: Pittsburgh, PA
My son house was broke in by Countrywide \'inspector\' 3 weeks ago (March 3rd 2006). I was told that they have the right to \'secure\' the property because they thought it was \'vacant. My son closed on the property (Nov) and was going to move in but was shipped out to GA for military operations the following week. We have not furnished his house knowing that he will have to move again. The house was put up for sale the following mth. His girlfriend sleep there periodically when she was in town. All the utilities were paid to date. I (the mother and also the power of attorney) lives next door and was constanting checking on the property and also work around the yard to inprove the facet of the property. The \'inspector\' called my agent the same morning and demanded that she meets with him in 10 mins or he will \'hammer the door down\'..My agent who was in Arizona at that time told him (the inspector) to contact us (who live next door) before he take any action. The inspector did not bother to do that, instead he broke into my son\'s house bcos he was given the \'power\' to do so. My husband who was painting next door (he is the builder - there was 7 houses on the same subdivision that we develope) got the phone call from our agent and was able to stop him for doing more damages. When I filed a complain to the OFFICE OF THE PRESIDENT I was told they are sorry about what happened and will pay me for the lock. That\'s about all I get from them till to date. Their argument was we were a month behind payment and they have the right to jammed down our property. Even though I explained that I THOUGHT the reason I dont get the invoice from them is bcos the loan was change from \'construction phase\' to \'permanent phase\' and most of the time and we get a skip month (paying on the reat). They said it is my fault for not following up and I should have know better. As a builder, I always encouraged my clients to use Countrywide Home Loan in the past, NOT ANYMORE. I will be happy to join all of you who is going to \"BOYCOTT\' countrywide and please spread the words around. I think that is the only way we get justice.....they are a big company, they dont really care if they loose out one or two businesses but when the BOYCOTT gets around....I\'m am sure someone will listen....
Left: March 31, 2006 By: Mrs K In: Pittsburgh, PA
My son house was broke in by Countrywide \'inspector\' 3 weeks ago (March 3rd 2006). I was told that they have the right to \'secure\' the property because they thought it was \'vacant. My son closed on the property and was going to move in but was shipped out to GA for military operations the following week. We have not furnished his house knowing that he will have to move again. The house was put up for sale. His girlfriend sleep there periodically when she is in town. I (the mother and also the power of attorney) lives next door. The \'inspector\' called my agent the same morning and demanded that she meets with him in 10 mins or he will \'hammer the door down\'..My agent who was in Arizona at that time told him (the inspector) to contact us (who live next door) before he take any action. The inspector did not bother to do that, instead he broke into my son\'s house bcos he was given the \'power\' to do so. My husband who was painting next door (he is the builder - there was 7 houses on the same subdivision that we develope) got the phone call from our agent and was able to stop him for doing more damages. When I filed a complain to the OFFICE OF THE PRESIDENT I was told they are sorry about what happened and will pay me for the lock. That\'s about all I get from them till to date. Their argument was we were a month behind payment and they have the right to jammed down our property. Even though I explained that I THOUGHT the reason I dont get the invoice from them is bcos the loan was change from \'construction phase\' to \'permanent phase\' and most of the time and we get a skip month (paying on the reat). They said it is my fault for not following up and I should have know better. As a builder, I always encouraged my clients to use Countrywide Home Loan in the past, NOT ANYMORE. I will be happy to join all of you who is going to \"BOYCOTT\' countrywide and please spread the words around. I think that is the only way we get justice.....they are a big company, they dont really care if they loose out one or two businesses but when the BOYCOTT gets around....I\'m am sure someone will listen....
Left: March 31, 2006 By: Mrs K In: Pittsburgh, PA
My son house was broke in by Countrywide \'inspector\' 3 weeks ago (March 3rd). I was told that they have the right to \'secure\' the property because they thought it was \'vacant. My son closed on the property and was going to move in but was shipped out to GA for military operations. We have not furnished his house knowing that he has to move again. The house was put up for sale. His girlfriend sleep there periodically when she is in town. I (the mother and also the power of attorney) lives next door. The \'inspector\' called my agent the same morning and demanded that she meets with him in 10 mins or he will \'hammer the door down\'..My agent who was in Arizona at that time told him (the inspector) to contact us (who live nect door) before he take any action. The inspector did not bother to do that, instead he break into my son\'s house. My husband who was painting next door (he is the builder) got the phone call from our agent and was able to stop him for doing more damage. When I filed a complain to the OFFICE OF THE PRESIDENT I was told they are sorry and will pay me for the lock. That\'s about all I get from them till to date. Their argument was we were a month behind payment and they have the right to jammed down our property. Even though I explain that I THOUGHT the reason I dont get the invoice from them is bcos the loan was change from \'construction phase\' to \'permanent phase\' and we get a skip month. They said it is my fault for not following up and I should have know better. As a builder, I always encourage my client to use Countrywide Home Loan in the past, NOT ANYMORE. I will be happy to join all of you who is going to \"BOYCOTT\' countrywide and please spread the words around. I think that is the only way we get for our justice.....they are a big company, they dont really care if they loose out one or two businesses but when the BOYCOTT gets around....I\'m am sure someone will listen....
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 04, 2006 By: Lori A. Smith In: Erie
wow i just got a mortgage from country wide in october. the thing is i have never owned a home and this is the company my realator told me to go through. so far there are no problems, but when i called to talk to my loan officer she had quit. i didn\'t know her or anything but i know she has been there for a long time. these stories are really freaking me out, the last thing i need is for the loan to not be paid when i know i write the check everymonth. well good luck to all the people working out there loans.
Left: February 03, 2006 By: In:
NO ONE CAN LIE LIKE COUNTRYWIDE CAN
Homeowners need cash? Get a No-Closing Cost Home Equity loan only from Countrywide. That’s right, no application fee, no appraisal fee, no title fee, no underwriting fee, NO CLOSING COSTS.
NEVEVERMIND THAT IT’S A VARIABLE RATE ARM (Prime Rate+) LOAN.
NEVERMIND THAT IF YOU PREPAY THE LOAN BEFORE THE TAKEOUT AMOUNT PERIOD ENDS THAT YOU END UP PAYING THE CLOSING COSTS (PREPAYMENT PENALTY).
NEVERMIND THAT YOU PAY THE CLOSING COSTS THROUGH AN ABOVE MARKET VARIABLE RATE HOME EQUITY LINE OF CREDIT. THIS IS NOT A FIXED RATE SECOND MORTGAGE.
No one can screw you like Countrywide can.
Left: February 03, 2006 By: 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. That’s right, no application fee, no appraisal fee, no title fee, no closing fee, NO CLOSING COSTS.
NEVEVERMIND THAT IT’S A VARIABLE RATE ARM (Prime Rate+) LOAN.
NEVERMIND THAT IF YOU PREPAY THE LOAN BEFORE THE TAKEOUT AMOUNT PERIOD ENDS THAT YOU END UP PAYING THE CLOSING COSTS (PREPAYMENT PENALTY).
NEVERMIND THAT YOU PAY THE CLOSING COSTS THROUGH AN ABOVE MARKET VARIABLE RATE HOME EQUITY LINE OF CREDIT. THIS IS NOT A FIXED RATE SECOND MORTGAGE.
No one can screw you like Countrywide can.
GO GET A BETTER RATE & SERVICE AT YOUR LOCAL BANK OR CREDIT UNION.
Left: January 23, 2006 By: carrie In: jenkintown pa
CW was charging me 781.00 a month PMI which i was told was regulated by fannie mae, not the case...i am fighting foreclosure because they also underescrowed by 8k at closing and when they realized their miskake, raised my monthly payment from 2100.00 to 3600.00 to cover the escrow shortage..and i couldnt afford to make that payment every month!!!!! i would love to know if anything like this has happened to anyone else, would love to go after them legally for this! email me if you have similar issues clcranmer@comcast.net
Left: January 20, 2006 By: roy In: tampa
Notice: Must Read
Sweat Shop Employees www.gdblegal.com
Appraisal Overcharges www.sherlocklegal.com
Wrong Doings www.jameshoyer.com
www.ripoffreport.com
file your complaint
Left: December 20, 2005 By: In:
go to your local bank...you will get a much better deal for a second mortgage than you would with a national lender( i.e. CHL, Wells). although, i do hear chase\'s 2nd is a pretty attractive product.
Left: December 18, 2005 By: Looking for results In: Plymouth Meeting
All this is very interesting and a bit un-nerving. My mortgage is with CHL and we were in the process of taking out a equity line. The people I had to deal with were quite incompetent and on several occaison I had to tell the loan officer how to do her job. Even the representative from the LA headquarters informed me that many of the local offices are staffed with people who have no clue what they are doing. I have sinced cancelled the loan process and we are looking to refinance to another company. We will be sure to ask if they sell any loans to CHL before selecting.
There is power in numbers. Start searching for a new lender so that CHL can see that customer service does make a difference.
Left: December 03, 2005 By: In:
Current Customers should call customer Service and tell them you want NO CONTACT 1-800-669-6607
That means:
*No emails
*No Phone Solicitations
*No Junk Mail
Get customer service reps name and employee ID# and make a note of it.
Countrywide gets around the do not call list because of a loop hole that allows them to call their current customers. Why do you think they buy so many mortgages? So they can call you and sell stuff to you is one reason.
Left: December 01, 2005 By: Tom In: Pittsburgh
Because of CW intentionally abusing the banking laws to generate unusual and unlawful additional banking fees there is currently banking reform legislation pending in the U. S. congress to correct unfair loan and banking procedures. CW hit it big this time lets see what can come out of this to put them in their place.
Left: November 27, 2005 By: In:
Call HR if they fired you for no reason or without notice.
Left: November 11, 2005 By: In:
The only reason the CHL can say that they are Number 1 in mortgages in the country is that they buy everyones mortgages. They don\'t right them, they buy 99% of Trident Mortgages which is owned by Prudential Fox Real Estate. The customer service at CHL is just awful. The servicing is a nighmare and the procssing let\'s not get into that. Stay with a banks they can\'t and will not do all the funky stuff that CHL does.
Left: November 10, 2005 By: In:
the 4506 form is to protect countrywide when they do loans that require no income docs it allows them to pull your tax returns upon defaulting on your loan. If you submit tax returns with your file you will also have to sign one of those.
Left: November 10, 2005 By: In:
I was a CHL employee for over 5 years. I was never so blown away as I was a couple of weeks ago when they fired me w/ no reason except Unacceptable Behavior...mind you I have never been written up, never been talked too about anything I would have been doing wrong. I had transferred to a branch where all that works there is back stabbing, unethical and fraudulent people. I seen more fraud and unethical behavior in the last 3 months than I did at the 4.5 years I worked at the other office. I have contacted a attorney who is working on getting my reputation back. Upon hearing of this I called HR who found out the reasons my managers were stating that I was so called doing...they totally lied and got away with it. I have called corporate to complain.....make sure if you have problems as a employee or a customer...call the banking commission and the office of the president at 800-669-6607. You can also call the labor board. I am sure you may get resolve from them.
NOTE to be careful if you are doing a loan that requires you to qualify w/ stated secondary income...check your closing paperwork...I had a L/O write the letter and tell the customer to sign it regardless if it is true.....the only way he would qualify for the house is to sign this letter and use 1200 monthly income stated to do so....if this guy defaults which he will due to the main income being verified is not enough to payback his loan.....I can\'t wait to see what happens then! I witnessed a L/O signing a initial disclosure that the borrower did not sign when he returned his package.....she had to have it asap to get it to the title company to order a payoff. This branch has to be stopped.
After 5 years of employment they did not have the deciency to talk to me and just took the word of others to slander my repuation. BEWARE of the EASTON PA office. They will do whatever it takes to get their loan closed...they have to get paid no matter what they have to do!!!!!!!!!! I did work in a office that was better than theirs but the work ethic was not too good...unexperienced managers that could not manage a fly let alone a office full of people that work their asses off to do a good job.
TRUST, HONESTY, INTEGRITY, is not what happened here and I will prove that w/ my attorney.
Good luck to everyone and please beware.
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 27, 2005 By: Jamie In: Trevose
Did anyone see the new forms countrywide expects you sign. Its a joke they want you to sign a 4056 then you have to sign an application that gives them permission to speak to the IRS about your tax forms. First of my father in law works for the irs as an auditor..the IRS speaks to no one except the taxpayer...who does this lender think they are. This is violating personal rights. Its intrusive and they are stepping way out of their boundaries. These people who work in these offices are just clerks they have no rights to this type of personal information..there is not personal identity theft around already...Countrywide is gone toooo far this time.
Left: October 27, 2005 By: In:
Hey Marnie-
Kiss my ass. The loan will eventually be sold to CW anyway.
Left: October 17, 2005 By: Marnie In: PA
Why don\'t you check other companies? Countrywide is not the only lender.
Left: October 13, 2005 By: Jim MIller In: Red Lion, PA
To start out, let me just say that Countrywide seems to be getting worse by the day. To tell my entire story would take too long, but here are just a couple reasons why they piss me off. A couple months ago, I called to make a payment by phone. An obviously untrained customer service rep was struggling to take my checking account info but finally was able to confirm that my mortgage payment was accepted. I received a confirmation number as well. The tranaction cleared my account 2 days later. When I received my bank statement 3 weeks later, I saw that I had three $30.00 charges for bounced transactions. I called my bank to find out that after my initial mortgage payment cleared, that 3 additional attempts were made by Countrywide to deduct the SAME mortgage payment again! These transactions bounced as I no longer had the money in my account to cover this. I called Countrywide and spoke to someone at length about the problem. They requested that I send them either a bank statement or a printout of my bank transactions along with an explanation as to what happened. I faxed the info immediately to the Countrywide rep as requested. Weeks later I never had received a response so I called and asked to talk to the same person again. Although that rep still worked there, I was forced to speak to someone else. During the conversation, this rep asked me to hold so that she could confirm the information with the person that I originally spoke to! What the hell? Why could I not have spoke to that rep in the first place like I had asked? Anyway, the \"new\" rep gets back on the phone and tells me that my request to be re-imbursed for the bounced check fees was denied due to \"lack of information\". At this point, I was pissed. I asked them what more proof, other than my bank statement and online transaction print outs could they want? I furnished them with EXACTLY the information that they requested! I even highlighted the specific transactions and added detailed notes next to them! The rep told me that now to dispute their decision that I had to write to another department regarding the problem. I told them I wanted to speak to someone in charge. The rep told me at this point, there was no one I could speak to because once their \"decision\" is made I have to follow the process of mailing in my dispute. Assholes! I\'m still trying to find who I can speak to. To me, based on the info I already provided to them, this is unacceptable. All the proof is in black and white when you look at my online checking account transactions or bank statement. They\'re asking me to provide more proof for something that there is no more proof for!
Secondly, just today (actually 10 minutes ago) I called to make a payment by phone. I was immediately told that there was now a $20.00 fee!!! What the F#@$%&!!!! I am so mad at this point I can hardly retain pissing all over the phone! This is plain and simple, robbery. I told the rep that I\'ll just mail my payment even though it may get there late and that I will not be paying a late fee. I asked him how they could justify charging their customers such outragious fees to make a mortgage payment. The rep was stating to cop an attitude I suppose because I was already so mad. I guess I couldn\'t entirely blame him. To ANYONE out there contemplating getting a loan from Countrywide, PLEASE, PLEASE think again and check for a more fair and reputable mortgage lender to do business with. If you go with Countrywide and get screwed after reading all of these testimonies\' on this web site, you have no one to blame but yourselves!
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 17, 2005 By: DAN In: Philadelphia
My story is about Commerce bank which is where I got my HELOC and legal advice would be appreciated. I lived with my GF in our new home (in my name cause I paid for everything) and my GF begged me to get a HELOC. I had no clue about what a HELOC was but my GF assured me it was all well and she\'d easily pay her car cause she could make payments of $300 a month. I told her no several times and finally gave up because she convinced me I did not have to worry about anything but the HELOC needed to be in my name. Well to make a long story short she maxed out my line of credit at 30K and I am left with this bill. She moved out before I got the statement and changed her phone number. I do not know what to do but she should pay this even though it is inmy name and I let her sign on to this. Verbally she told me she didn\'t even take anything out.
Left: August 12, 2005 By: In:
You must have worked for a really bad office. I saw issues when I worked for CHL, but RESPA violations? If they were violating RESPA you\'d hear about it.
Left: August 11, 2005 By: EX-CWEMPLOYEE In: PHILADELPHIA
I am an ex-employee of CW, and let me tell you they are the worst. They promise you the world but when it comes down to doing business, it\'s all fake. The ONLY reason that they are rated 1 in the country is because they buy every companies mortgages. This is why so many people are having problems with the servicing of their mortgage. When you are going for a mortgage find out who is going to service the mortgage and will it be sold. Normally your banks keep the mortgages and service them. They will not be sold to CW to service. This is a brutal company to work for, stay away.
This company should be turned in, ever hear of RESPA?
Left: July 27, 2005 By: Michael In: Chicago
If you think Countrywide is bad, take a look at this website and read about the REALLY bad ones!
http://www.mortgagereform.org/
Left: July 26, 2005 By: In:
I\'m going to post this in every state listed here. YOU MUST TAKE RESPONSIBILITY FOR YOUR OWN ACTIONS AND DECISIONS!! I have recently left the lending industry. I can site many reasons for this, however the top reason has to be dealing with borrowers and potential borrowers who had no concept of financial responsibility. Just because you have a 700 credit score does not mean you demonstrate good use of credit or that you are guaranteed the rate or terms you want. In fact, many people who have the best credit scores carry the most debt. What you people do not understand is that the lending institutions want you to carry debt, so if you carry alot of debt and pay it on time your score will be higher than someone who pays their bills OFF every month and only carries a mortgage and a car loan/lease. If you fall on hard times, pay your damn mortgage and let the friggin\' Visa\'s go delinquent. Visa isn\'t going to take your house, your mortgage company is. People jump to quickly to file BK. Guess what, ole\' GW has made that next to impossible for the average American. You\'re better off making arrangements with your credit card companies and paying your mortgage off as quickly as possible. Use good judgement, not the \"I want it now!\" mentality. Buy a Trailblazer instead of the RangeRover or the Hummer or the Lincol or Caddy or whatever. How many of you people that post on here have kids? What kind of behavior do you think your actions teaches them? Anyone who would voice their opinion is more than welcome to email me at michael_harman1976@yahoo.com. I would be more than happy to help anyone who needs some good advice on how to get themselves into a good financial position. I am not selling anything, I\'m a former CW employee who feels an obligation to help those who have been taken advantage of.
Michael
Left: July 24, 2005 By: Hector Balaguer In: Milford
construction to conventional loan I received the final package to lock in on an interest rate I was told it was 6.625 before I signed I call countrywide and ask for the current interest rate refused to give me the rate and insisted on knowing my loan number and name so i gave it to the person on the other line told me to wait a minute came back on the line and told me that the rate applies to me I ask him base on what he said thats what is in your file and I ask whats in the file I said I want the current interest rate like every body else he than told me he does not know how the bank came to that desision
Left: July 06, 2005 By: Terry Brennan In: Pittsburgh
IS ANYONE TRYING TO GET A CLASS ACTION SUIT ON THESE PARASITES? I have been visiting this site for over two years and despite the countless stories they just keep on screwing customers. I don\'t see a site on any other mortgage companies like this! Where the hell is Sixty Minutes! Perhaps the poor folks here should start to email the news agencies to shine some light on this incredible issue!
Personaly I was slammed for Over $40,000 by them and though I tried everything with their shister law firm to get restitution I failed. I\'m a 15 year full time Realtor and I couldn\'t figure out what hit me either!
Two summers ago about this time I was forced into bankruptcy. My health was bad and my case was dismissed. To do the right thing I sold my home and was shocked that upon getting the payoff statement I only got back $3,000! We had put down $60,000 on the house. CountryWide had collected nearly all the monthly pays through the trust and yet they managed to scarf a whopping $40,000 in legal fees! They frigging nailed us! They got almost every penny of the mortgage pays plus $30,000 in legals. The idiots in government allow these bums to charge whatever they want in legals without any system. Two years later and I\'m still reeling over the total loss of all our savings. I would do anything to peg the bastards! They should all burn in hell!
I hope the people out there get off their asses and cause some investigation on them. Do it for the all of us suckers past and present!
Left: June 30, 2005 By: Terence Clark In: Philadelphia
I was about 3 months behind when I filed a chapter 13. Countrywide took bogus records to the court and convinced the court that I should pay back approximately 12,000 dollars. These were padded legal and miscellaneous fees. Their record keeping should be investigated. They add fees to your account unfairly and without your knowledge. My Chapter 13 was dismissed because I supposedly failed to pay the trustee. I can prove that I made the required payments with the copies of the cashed checks. At this point I am trying to refy so I can be done with Countrywide once and for all. It has been horrible dealing with them. It should be illeagal for them to buy a mortgage and cause this much grief. Countrywide SUCKS!
Left: June 30, 2005 By: Juaquina In: Allentown Pa
I was behind in my mortgage about (2) payments when I filed chapter 13. The two mortgage payments were included with what I had to pay through Trustee along with all other secured bills that had to be paid thru them. According to my Attorney, my first payment was due to country-wide mortgage after my bankrupty was in January for January\'s payment. When I mailed January\'s mortgage to country-wide they took that mortgage and put it towards the payments that were being paid thru trustee. They had never posted my mortgage payments correctly, then all of a sudden I get a call saying that they never received payments on my mortgage I was 2-months behind, I had stated that I mailed it off in money-orders, I had to pay to track the money orders, they told me until it get straightened out continue to send my mortgage payments as usual and they will put it towards payments that were already sent. This really took me for a loop. A few months later I get a call from country-wide stating that they have located my mortgage payments and adjustments have been made, now everything is back on point; So I thought. All of a sudden I received a letter from country-wide\'s attorney stating that I am (2-months)behind in my mortgage, they have put stipulations on me that I can\'t afford, they saying I have defaulted in my agreement, now they trying to dismiss my Chapter 13, but I have done everything that my attorney told me I was suppose to do after filing chapter 13, I have found another mortgage company that can help me get out of this mess, but country-wide is giving me such a hard time. I hope no one have to ever go through the Hell that I\'m going through with Country-wide.
Left: June 14, 2005 By: pat In: usa
Please read some of the stories and an on going conversation with a CHL employee under the state of Massachusetts on this site. Wow, that \"Ortize \" guy is a true representation of a CHL associate!
Left: June 02, 2005 By: Mortgage Consultant In: Philadelphia
I am to an ex-CW employee. I worked as a mortgage consultant. Their moto must be not to tell the truth when they hire people. I was told and promised allot and none of it came true. Then they came in and changed our employment contracts. They expect you to use your own car they do not give you gas money, cell phone they do not pay any part of your cell phone bill. Allot of promises nothing given in return. I sat in a meeting and due to our office making too much money on minority lending, they decided to do a rate sale just for minority lending. The minority loans officers then received better pay and overage. This is a company not to be trusted. If you need a mortgage go to a Bank they can not pull the stuff that CW does.
Left: June 01, 2005 By: Tim In: Pa
Countrywide is a BASTARD organization.
Left: May 19, 2005 By: disgusted ex-countrywide employee In: Hanover/Gettysburg
2001-2002 Fired Mom: with 3 kids after moving 5 hours from hometown.
I am a Loan Originator with 7 years of experience and took a job with C/Wide and moved over 5 hours from my hometown to do better for myself and my kids. I worked out of the York Office in Pa and was promised all kinds of things to take the job and move. So, I did. Needless to say, I was given nothing. Here I was with 3 kids in a new town, one child being only 6 months old and Premature with Lung Problems. I didn\'t know a soul here and my preemie became very ill for the 1st 6 months of being in child care around all of the sick kids there. Taking time to be in the ER and Dr. Office visits was taking away from the time I spent on my work. Plus, I didn\'t get any help from them. I didn\'t know realtors here I was lucky to learn my way around as it was. When phone calls were coming in to the York Office the Leads were being handed out to \"Selected Employees\" and none to the other ones such as myself and another woman there. We were told to go out and get our business and we would earn what we are worth. In the meantime with a very small pipeline of loans we knew we weren\'t going to last there very long when everyone else had pipelines of over 1 million a month but the two of us. The Branch Manager hired another person for the Area we were working (Hanover and Gettysburg), signed him up for a Desk Rental in a Realtors Office and then fired us two women. Then any realtors we were working with, the \"huge\" loan officer that had it made by our manager, went around talking to them and telling them that we had been fired and that he was there to pick up where we left off at. Which was a bunch of crap because I had realtors who specifically called me to tell me right after he had been in talking shit on me. I still feel Countrywide Home Loans Owes me for firing me and hurting my family in the process financially.
Left: May 11, 2005 By: gratefulforthewarning In: mortgageland
Thank you for this site!!! I have been receiving marketing calls from CW for the past three days because of an online application that i filled out a few months ago. I got bad vibes from the rep. from the very first call. I will ignore their call from now on and make sure that when i do get approved for a mortgage, i will make sure that i put a clause in the contract that the lender can not sell/transfer my loan to CW for servicing. i really learned a lot from this site!!! thank you so much!!!!!
Left: May 10, 2005 By: Ali Yalcin In: Harrisburg
Had a Home equity loan, when I applied, everything was handled locally. I then wanted to pay off the loan and the local office did not assist me instead they told me to call some number in California. When I calledwhich the recording did not recognize my account #. I was sent back and forth, finally I dropped a complaint w/better business. Things went much easier after that, supposedly someone from the \"Presidents office\" contacted me. After I paid off my Home Equity loan, I started paying my Mortgage payments online, I received a letter saying since I made online payments I will no longer receive the written monthly mortgage statements....
I called, I explained due to my business I can only pay online at my convenience and that I sill want the paper statents to be mailed. She could not help me, I was told this was done to preserve paper -Haa I get more junk mail and I even spoke to this lady Tynetta Greene and informed her that I no longer want junk mail, she confirmed I would no longer receive mail offers I still do. Well to this date, would like to pay online but I was told doing so would automatically stop my mailings, GREAT customer service, way to Go
Left: May 04, 2005 By: Cathy In: Philadelphia
I was going to get a mortgage from this company until I read this story- Thanks for saving me from the heartache, I appreciate it!! Now, where do I get a loan with a reasonable company- are there any out there??
Left: March 07, 2005 By: Brian In: Hanover
Hello, Just wanted to say I was looking at a refinance and was talking to Countrywide. I was not familiar with them so I did a search on the net and found this site. I\'ve since stopped all communication with them. Thank you so much!!Best of luck to anybody who\'s stuck with these guys.
Left: February 11, 2005 By: Phillips In: Effort, PA
I am disgusted with the service that I have received with Countrywide Home Loans. I am in the process of filing a lawsuit with a builder and when I asked the home loan consultant about my rights and responsibilities as a client, he was more interested in selling me another mortgage instead of answering my questions. Also, the consultant gossiped about the builder\'s personnel and constantly misled me. His deceitful and unethical actions have lead me to join this campaign against this company. Let\'s go to the press!
Left: February 02, 2005 By: Tracey Henry In: lancaster
My mortgage was sold to countrywide as of 01/01/05. I was contacted by countrywide that my first mortgage payment Jan \'05 was not received. I was not alarmed until I was doing some research about countrywide on the web and ran across this web site. Now I am really worried. I am going to do everything in my power to find a new mortgage company and if that fails I will sell my home. I have already been through a nightmare with my last mortgage company. Anything that can be done to stop this company I will be on board!
Left: January 20, 2005 By: Michelle Serrano In: Lancaster
Hello, I am so glad to hear other\'s having problems with this company. My husband and I had some finicial difficulties, due to job change. We had fell behind one month, but knew it would only be about three month till we would be back on top of it. They told me that I had to do the repay plan ( which i later found that i did not have to) they wanted us to pay about 450.00 more a month to get back on schedule. This didn\'t make much sence to me but we did it. We paid one and a half payments one month. This was set up over the phone for them to take the money out of the account two different dates. Both dates were pasted by two and half weeks they were calling me at least four times a day demanding payment I would explain to them they should have already taken it out. They would appoligies and say they will look into it. The calls would still continue. Finnally one of the people called I told them the same damn thing and they informed me that I was taken off the pay back plan due to not compling. They then charged me late fees for the two payments that they neglected to take out on time. Now because of this pay back plan, which I\'m still tring to figure this out they are telling me we are now three months behind. I argued with a very rude worker just yesterday 1/18/05 about this then she found that we had money sitting god knows where that they had failed to apply to our loan,. I have spent hours on the phone with these people and have gotten no where. Let me now what actions are taking place Michellerserrano@yahoo.com
Left: January 08, 2005 By: Paul & Candy In: Philadelphia
I just want to let everyone know who is reading this website that Countrywide Home Loan have unprofessional staffs and bad servicing to their client. We are saying this from experience, we took out a loan from Countrywide, 2 days before our closing, they contact us and told us we can\'t settled the house because they do not have our employment vertified. The most incredible things was they don\'t have our employment information on file which was taken care of on the first day when we applied for the loan. The process for us was horrible and a nightmare. We also complaint many time but no one cares and no one response to our complaint. I would recommend if you need a loan Please Please don\'t go to Countrywide Home Loan.
Left: November 04, 2004 By: Brad Tipton In: Palmyra, PA
The home behind my house was repossesed by Countrywide after the death of the youthful owner/mortgagee. Countrywide sent their crew to secure and winterize the house to await sheriff\'s sale which I understand will take about a year. These clowns did nothing the the in-groud pool, which after a few weeks became a mosquito hatchery. Needless to say, the mosquito problem caused an outbreak of West Nile Virus in my family. We can not use our yard because of the swarms of mosquitos. I made repeated atempts to contact Countrywide by phone. Each attempt resulted in my being hung up on after my first conversation with a real person. I ended up having to contact our local Board of Health who send a West Nile Control Oficer (within one hour) to evaluate the situation. The officer confirmed the problem and took appropriate action with poison in the pool and spraying. Believe it or not, but my even trying to contact this schlock outfit by internet, they have a way to repeatedly shut-down the web site on me. Go figure!!!
Left: November 03, 2004 By: Sue Cannon In: Mount Pocono PA
I am a Countrywide customer and attempted to do a line of credit with them. They had my house appraised and it came in $55,000 lower than an appraisal I had 1 year ago. I was told they needed to do a new appraisal and that if I paid the appraisal myself, I WOULD NOT BE CHARGED the $310.00 for the Original appraisal, They would eat it. Well I did that and still at closing they tried to charge me the $310.00 they claimed I would never have to pay, so I cancelled the closing. Now that I did not accept their loan they have charged my credit card for the $310.00 cost of the crappy appraisal. I have put in complaints but cannot get any assistance. No one calls back, no one cares. They are spitefull towards you if you do not accept their terms. I will continue to make complaints until I get my money back. I plan to contact the better business bureau. If anyone else has this problem please post any advice...
Left: October 05, 2004 By: Frank Mileti In: Montrose, Sq. Co.
We went to Full Spectrum home loans for a Home Equity loan. Then we were told that our payments were to go to Countrywide Home loans. They told us that we did not have insurance on our home and therefore would put a policy in place. We have never had a lapse in our homeowners policy and yet they have charged us for a payment each month into an escrow account. We have had our agent send repeated faxes showing continuous coverage, with them as beneficaries from the onset of the loan. They have charged us 25.41/mo since 2/2003.
Date: Tue 12/5/06 11:15AM
From: RJ
Message: I am in a lawsuit with Countrywide Home Loans, Inc.
I need help ASAP to stop the sheriff’s sale of my home.
Anyone willing to help?
Please contact me at jackson247@justice.com
Thanks
Date: Tue 02/13/07 8:13PM
From: cm
Message: Everyone of you complainers needs to get a life. Countrywide didn't do anything to you... You should blame you mothers for having you.
Date: Wed 02/21/07 11:58AM
From: wmfdg tvzuf
Message: vhkpzdsy yzrtlcv hkbxpez sgdomxpf seawjqi pwkrcbux hxcb
Date: Sun 04/1/07 1:08PM
From: FU
Message: Too bad cm was not an abortion statistic. You give nothing of value to this world. L O S E R!
Date: Thu 04/12/07 12:42PM
From: Uh-Oh
Message: NEW YORK, April 12 (Reuters) - Countrywide Financial Corp. (CFC.N: Quote, Profile, Research), the largest U.S. mortgage lender, said on Thursday the amount of mortgages in its portfolio that are in foreclosure nearly doubled, amid a difficult U.S. housing market.
Date: Mon 04/30/07 5:06PM
From: RippedMeOff
Message: The hire RETARDS, try to charge way too much in hidden fees then play stupid when you question them! They SUCK!
Date: Tue 07/10/07 11:17AM
From: connie
Message: Well here's a good one- I do not have a mortgage with countrywide, however they are sueing me for a default mortgage in the amount of 181,500.00. Seems as though the lawyer they hired had an investigator look up names and as I have the same name as the person they are looking for- I was handed a civil action suit by our local sheriff. Sure made my day- called the lawyers office that is representing them and there just so sorry. But these things happen sometime. Now I have to take an hour drive to go to the sherfifs office and prove to them that I am not the woman they are looking for. Hope someday someone sues them big time!!
Date: Tue 08/7/07 7:02PM
From: Cynthia Starr
Message: I am trying to get help in a case against countrywide and american home mortgage . I had just refinanced with countrywide mortgage services when I got a call from mike with prime rate about a loan with 5.87% ,I said I was not interested and I hung up . If 10 seconds went by I'll be damned, It was mike again and he said " Please don't hang up ,I have a real money saver , I said it's your dime , needless to say a couple days we were going with American Home mortgages for a 30 Yr. fixed with 10 yr. intrest only loan with no penilty to pay off as he quoted and only 4200.00 something in fees . I had a 30 yr fixed with countrywide for 6.37% .I said OK. We went to sign and my husband did most of the sighning and as the man was leaving I noticed a couple of totals that didn't jive , We sat down and relized thay this was not as Mike had quoted on any of the other papers ,So we said no We are canceling this it even had penilty to pay off plus more in fees,payments were not as said and ,we signed the provided letter of cancelation on the 12th of march and I nexted day aired it to the address provided ,And recieved confomation on the 13th at 9:55 am they recieved it. OK we are done . Well a couple weeks went by and I called Countrywide to see how long my 1st payment would take to get there ,I had sent it a week before . And countrywide told me that on the 22 or 23 my loan was paid off ! I was in shock ,I asked by who ? They said ? aLL They had is a phone number and sure enough it matched the one I had for Mike with prime rate and American Home MOrtgage , I called them and asked for a supervisor and explained all of this and faxed him all the proof that We canceled in the 3 day window he agreed it was a mistake and they would straighten it out and return it to countrywide at the original 30 yr fixed . Well I kept watching and 2 weeks later It showed up on my countrywide account but it had a differant account # , I figured they couldn't use the old cause it was now closed . But to my surprise , It was the 30 yr.,10 yr intrest only loan at 5.87% not my 30 yr fixed at 6.37% .and for 11900.00 more !!!! Icalled and found oout american home mortgage SOLD IT back ,not returned it to the original loan . I kept telling both countrywide and american home mortgage this is wrong correct it but , no responce . So I called alot of people and no one knew what to do , finally someone sent me a email from Tom Corbets office and sent me to Katrina with Pa. dept of Banking . She got the ball rolling but this has gone far enough ,I thought all Was ok but I got a letter of forclosure on my mortgage with countrywide ???? So now I have two mortgages with countrywide
Date: Wed 10/24/07 3:30PM
From: JMBnBBB
Message: Has anyone had any success re-financing a 1% adjustable arm loan with countrywide?
We are in the process of trying to get help from Country Wide and they are telling us there is no way to get out of our pre-pay penalty of $16,000 if we refinance 13 months early.
I explained that we have been great customers paid early and on time and at the current rate we are heading for serious trouble. Our payments have increased by $1200/per month in the last 23 months.
I mentioned everything I have seen on the news(today ck out the wall street journal 10/24/07) and read on the internet and appealed to them that we need help.
So far I have been told there is nothing they can do and I don't even qualify for the home retention team program.
Does anyone have any names or numbers who I can call and get help ? Or am I better off saying the heck with it and re-financing with a more reputable lender ?
Thanks in advance.
Date: Fri 10/26/07 3:04PM
From: Melissa Middendorp
Message: My husband and I were in the process of refinancing our home with Countrywide. The process started on Sept 19 and we were scheduling to close on Oct 16. We were told that they need $390.00 (non-refundable)upfront to lock in the rate and begin underwriting the loan. We both have excellent credit. My husband and I completed every request they gave us and we have been given the run around since then. We have been bounced around from 3 different people including the branch manager at the Rolling Meadows, IL office, no one is returning our phone calls, lied to, and thank goodness we had the sense to make our mortgage payment even though they told us not to. It is now Oct 26 and still have no closing date in sight. We have asked for our money back and they refuse. This company is the lowest and most unethical companies I have ever delt with. We paid them for a service and they have yet to deliver. STAY AWAY FROM THESE SNAKES. I feel for those who have lost more than 390.00 from these people.
Date: Wed 11/7/07 4:07PM
From: terri
Message: After reading the hundreds of stories posted to this site, I've realized my daughter and her husband have been through just about EVERY kind of incident already posted by someone else. They were young with 3 children and a 4th on the way when they found their home in August 2003. After securing a locked-in rate of 6.25 %, they began the application process for a mortgage through CW who was recommended by their Realtor. Within a few days, my daughter was so angry with the CW rep who apparently was stuck in stupid gear, that she requested another rep. Not only did the original fail to return calls, but she also had a tendency to keep asking for the same information over and over again, and then would claim she had never been given the info. My daughter was at her wits end when she was expected to deal with downright insulting and angry behavior from that same rep. The last straw was when the locked-in rate was expired due to an error on CW's part. This same rep managed to transpose 2 of the #'s in my son-in-law's ss#, requiring the kids to begin application all over. Another rep was a**igned.
This time the new lock-in rate was for 6.875%. My daughter was not too happy that she was being expected to pay extra for 30 years due to CW's error. But she decided, mistakes do happen. After alot of other frustrating delays and minor errors, settlement finally took place the day before Thanksgiving 2003. The 1st payment due on 1/1/04. As of Christmas week, the very 1st statement with the attached payment coupon had not arrived. A phone inquiry brought the irresponsible answer that the delay was probably due to holiday mail clogs. Yeah, whatever. She asked if she should just send in the payment with a letter containing the account # so she wouldn't be late. She was told to wait for the statement as it should arrive any day. It never arrived until a week after the due date. She sent in the amount on the coupon which was the same amount agreed upon at settlement. She never heard anything about it and thought all was fine. Feb.'s statement had not arrived by the middle of Jan. and she was becoming anxious about not knowing where her mortgage stood at this point. The Jan. check had not yet cleared her bank and now she was soon due to make another payment.
She called, and after many transfers and delays, she was informed that they had not received her January payment. She insisted it had been sent in plenty of time for them to have processed it by now, & told them of their failure to once again send her statement. She was told that her Feb. statement had just gone out and she should be receiving it any day. However, the amount due was now about $50 more than her payment. She was told it was because she had failed to make her January payment on time. No amount of explaining the situation got her anywhere. She was transferred and disconnected several times before she finally gave up trying for the day. When she finally received her Feb statement, it once again was several days after the due date. Angrily she called and demanded redress. She made her payments every month and every month the statements came too late to be included with her payment. Every month the amount due was different. She couldn't get a straight answer from anyone. In fact, no one could even agree on the exact amounts due. She would pay what she was told only to receive notice that she still owed sometimes in excess of $100.00.
to be continued...
Date: Wed 11/7/07 4:11PM
From: Terri
Message: continued....
Being a former Real Estate agent, I found it difficult to believe that all these problems were entirely due to CW. I gave them tips on what to do. However, it seemed no headway could be made. Finally, in Feb. 2005, the kids received a threatening letter of actions to be taken for foreclosure should they not pay the full monies owed on their mortgage to date. I took it upon myself to become involved. During a telephone call, where I pretended to be my daughter, I asked what was going on. They claimed that the Jan. 05 payment had not been received, nor had the Dec. 2003 payment. EXCUSE ME?!!! There was no Dec. 2003 payment to be made. Such had been part of the settlement costs at closing. Apparently, this is where much of the late fees had been generated from. It was now apparent to me that my daughter was owed hundreds of wrongfully charged late fees. These idiots at CW had taken it upon themselved to apply mortgage payments to continually accruing late fees on a payment that didn't even exist, thereby failing to credit the kids with having paid numerous monthly payments in full. I demanded a full amount due, figuring I would worry about getting the overages straightened out later after the account was up to date. I personally wrote a check out for the Feb. & Mar. payment, with an attached letter of instructions on what all amounts were to be paid. In addition, my daughter withdrew money from her checking account and sent a money order that she could track, to repay the January payment. At this point all was paid, including the Mar. payment due in a week. She went to her bank the next day to put a stop payment on the original January mortgage payment, only to discover that it had come in that very morning and been paid. As a result of her withdrawing cash for the money order, her account was now in default due to other incoming checks. Calls to CW did nothing to straighten the matter out. Add insult to injury, in March she was once again threatened with foreclosure due to her failure to bring her account up to date. Not only was she up to date, but an extra payment and late fees were floating around somewhere.
It took several weeks for us to receive a copy of her mortgage payment ledger. It was such a mess that we could not even begin to make heads or tails of it. We had copies of every cancelled check plus the money order, plus my own cancelled check. We're talking thousands of $. The ledger didn't have a single entry to match any of the payments made. There were weird amounts plunked in all over. There were payments accredited when none should have been made. My personal check was no where to be found. According to this ledger, my daughter was in default by roughly 4 payments and late fees. Calling did us no good. Constant transfers from one state to another. Rudeness, verging on calling us liars. Totally infuriated at their piss poor service, I informed them that I am not one of the unfortunate 1000's who have a mortgage with them. Therefore, since I had in my possession a cancelled check, cashed by them but not credited to any account, I expected my money back ASAP. Failure to do so would cause me to instigate a legal action for fraud. What were they going to do? Claim I was a deadbeat customer who didn't understand my mortgage and therefore the mistake was mine in some way???? Amazingly, my payments appeared several weeks later. At this point it was now July, and the mess was becoming even more difficult to unravel due to the constant late fees and other bogus charges.
Date: Wed 11/7/07 4:19PM
From: Terri
Message: still continued...
There was a property tax increase at the end of 2004, causing the kid's escrow to be underfunded. Instead of CW notifying them of the exact amount of the tax increase and how much their payments were to go up, they just lumped the shortage as a failure to pay. And when the kids made payments demanded of them, the extra was credited to late fees rather than the escrow balance. Finally, they were told by CW not to make anymore payments until the matter was fully investigated and a detailed accounting could be made for all charges and payments. Against my warnings, they did as CW told them to do. Unfortunately, telling customers not to make any more payments is a standard practice of predatory loan companies. Failing to make a payment only serves to put the person in default of their loan. That allows these snakes to legally instigate legal action for foreclosure.
They were consistently charged each month for insurance with PMI. OK. They needed to have insurance on their property. In June, 2004, we suffered a severe hurricane. Her home is not in the flood plane as it is situated built into a fairly large hill. However, the roads and ground around her home was flooded. The downpouring of rain had tremendous force as did the winds. As a result of this event, their gutters were torn off, several roof shingles were ripped free, and their chimney was left leaning and pulling away from the house. Their home is a 110 year old farmhouse. It was appraised at $60,000 more than their purchase price. They really did get a hulluva deal. The home inspector prior to settlement recommended insurance to reflect the appraisal rate in the event of a major disaster as they would not be able to replace what they had with anything less. Claims were made after the hurricane. Please understand, all the insurance is through companies recommended by CW. These kids received not a penny for any damages whatsoever. They were told it was an act of God, therefore not eligible for payment. In addition, they claimed the chimney problem was really caused because the house is old. The hurricane had absolutely nothing to do with it. Funny nothing was wrong with it the day before.
By July of 2005, my daughter and her husband had no recourse but to file Chapter 13 Bankruptcy. There was nothing they could do to get CW to clear the mess on their mortgage. CW had systematically robbed them of every dime they had paid, claiming that none was paid. The attorney they used, in my estimation, probably wasn't all that good, though she had been recommended by an acquaintance who had used her. This woman could not even begin to understand the mess put in her hands. She was as hard to convince initially, as I had been. Finally, she began to catch on to CW's practices. We have numerous correspondences from her to CW asking for them to clear up major errors. CW was shown countless proof of all payments made, in addition to late fees and escrow increases. Still no one could explain why the escrow had been increased 3 times in one year. Taxes had only been raised once. The attorney outright accused CW of "double dipping" on many occasions. Months of this back and forth correspondence was accomplishing nothing for the kids. They would go to court with proof of full payment and then some, The very 1st time in court, many of CW's bogus charges were denied by the judge because they had wrongfully begun foreclosure due to their own errors way back in the very beginning. An amount was finally agreed upon. A trustee was put in place. As a result of all these proceedings, my daughter now has a mortgage payment that is $200 more than the original, and a trustee payment that is an additional $290 each month.
Date: Wed 11/7/07 4:27PM
From: Terri
Message: Finally, the end of the story....
A couple of interesting things I discovered upon going through all the paperwork a**ociated with this mess. Right from the start, CW was up to no good. I can't believe that no one caught it at settlement. The Loan Agreement has one figure as the loan amount, while the Truth in Lending Statement has one that is roughly $500 less, and the settlement sheet is yet another amount. The downpayment amounts listed on the settlement sheet is $88 less than the amount of the Cashier's Check receipt. The interest rate on the Loan agreement is the 6.875 lock-in rate. However, the rate listed on the TIL is 7.565%. Where the hell that came from is beyond any of us. The amount of the P&I amount of the total payment supposedly figured at the lock-in rate of 6.875 is the very same amount listed on the TIL at the 7.565 rate. After taking the total payment and breaking it down into components of Principle, Interest, Taxes and Insurance, there is a balance of $1.13 that doesn't seem to go anywhere but into the pockets of CW. Now this may seem petty, but for every 100,000 customers paying an additional dollar, CW is pocketing 1.2 million $ per year.
CW employees could never give accurate information. One person would state one balance and then transfer us to someone else who would state an entirely different amount, and on and on. I believe most of the trouble has stemmed from CW's obvious actions designed to steal from their customers. I believe they have been using the 7.565 rate to gauge my daughter illegally and inflate their payment while attempting to make it look as though the lock in rate is the one used. This may account for the multitude of mathematical errors in a**essing costs and fees. These m%$#@% f%$#&ing crooks are cooking the books! Imagine the tax liabilities being avoided by only having to claim profits based on rates that are .65 to .75 lower that those actually charged. May sound like peanuts to you, but do the math. For every million that is loaned out, they would receive an additional $650,000 to $750,000. This is huge when you consider the implications of just how much they are loaning out and the terms of such loans.
And finally for all you moronic, zombie employees who so smugly want to refer to your victims as deadbeats who don't pay their bills, or alcoholics too imbicilic to understand basic mortgage rules and laws, don't bother to respond to this. I'll match my IQ to any 10 of you and still have points to spare. There is nothing you could say to convince me that CW is a wholesome, honest company to do business with. The only employees at CW who are truly honest and helpful are the ones who quit because their conscience gets the better of them. You idiots who stay do so because it is obvious by your poor grammar and lack of imagination that you haven't the education or intelligence to recognize when you are being placed in a position of enslavement to crooked WOP owners of CW.
Date: Mon 11/12/07 1:18PM
From: Jennifer
Message: I am a CountryWide customer from Oklahoma and I need some help. I have read quite a few of the stories from those of you out there and I hope I'm turning to the right place.
CountryWide used an automatic bill paying system from me which deducted their payments from my account. Then without notifying me they raised my payments 90 dollars due to taxes and took the extra out with out notifying me. Being one who seldom has extra money in the account, this lead to about 100. in over draft fees.
After this incident was never fully resolved to my satisfaction I decided to sell my home.
My house is for sell from a reputable company, there is a sign in the front, and my husband and I have purchased another home(NOT FROM COUNTRY WIDE!) we stay at the other home on weekends. This Friday we recieved a phone call from the realtor because an agent from Country Wide had come to the house and CHANGED THE LOCKS! She could not get in to the house to show it. My husband and I are not behind on payments, I called CW furious about this, and after at least an hour on the phone to them they told me this was because the house was abandoned and they were winterizing the house! We did not authorize this and the house was certainly not abandoned as I still recieve mail there and stay on weekends.
I am furious, but really unaware as what my rights are... I would like to take them to court for this, do I have a case? Has this ever happened to anyone before?
Date: Thu 01/10/08 3:21PM
From: Dennis Bell
Message: To all the people out there that have been harmed by Countrywide, here is the news we all have known would happen to a lender who profits by unlawfully or fraudulently taking advantage of unsuspecting borrowers...
Countrywide Home Loans, and its parent company, Countrywide Financial Corporation is on the brink of Bankruptcy and is no longer in control of its own future. Unfortunately this does not mean that its COE and major scammer Angelo Mozillo will be on the food line anytime soon, but it does mean that he will die a millionare instead of a billionare. Countrywide stocks have fallen from a high of over $52 per share in 2006 to a low yesterday of $5.12. There has never been a company in history that has recovered from such a dramatic loss in stock value and a**ets. At one time Countrywide was valued at 17 Billion, and now it has a total value of 3 Billion and is still falling fast. CEO Mozillo sold 114 million of his own stock last year when it was valued at $31 per share, but he kept another 1,300,000 shares. That means last year his remaining stock was worth over 400 million, now it is only worth 6 million and not many investors want it. You heard it here first...there are only 3 options for Countrywide. those are Bankruptcy, Government Bailout, or being bought out by Bank of America, who already pumped 2 Billion into Countrywide in August 2007, but now has lost 1.3 billion of that because of declining stock value. For those of us who continue to fight Countrywide in court, this is bittersweet because while the giant has been beheaded, there wont be enough meat on the carca** to feed the hungry. I submitted my first story on this site on June 2007 and have received many emails and requests for a**istance. I hope everyone who has been wronged by Countrywide will prevail, and that this news willwill bring some relief. Good luck to you all.
Dennis Bell
oneoutback@comcast.net
Date: Tue 01/29/08 10:48PM
From: a brown
Message: Jennifer, I believe you mean gouge not gauge.
Date: Tue 01/29/08 10:50PM
From: a brown
Message: Sorry Jennifer, I meant Terri.
Date: Tue 01/29/08 11:00PM
From: a brown
Message: PMI is not insurance on the house. It is Private Mortgage Insurance. It is insurance usually required by mortgage companies on homes where the loans on the home exceed 80% of the total value. It has been found that if a person owes less than 80% of what the market value of the home is-they are less likely to default. If a problem arises, they are more likely to place the house on the market v. let the house go into foreclosure because they have equity in the home. If you have PMI and owe less than 80% of the market value of the home, you might inquire with your mortgage lender if you might have expense removed. Usually you will need to have an appraisal performed but this small expense can get the PMI removed from your loan.
Date: Tue 02/19/08 12:49AM
From: Gene
Message: My name is Gene and I reside in Pittsburgh Pennsylvaina. I have had one nightmare after another with my Country Wide home loan. I have found a group call Acorn, who is trying to help pepole with there home loans. Acorn-866-672-2676
Date: Thu 03/6/08 12:21AM
From: tonya ingram
Message: I am not a Countrywide customer, now or ever. I purchased a home in Colorado and closed on this home that was previously owned by a Countrywide customer. I did a walkthrough on my property on 02/29/08 at 530pm and when closing on my home on 03/03/08, I returned to my newly purchased home and realized I was locked out of the house I had just purchased. Plus Countrywide had contracted someone to winterize my new home,in which they did!!! Would you believe they even damaged things in my home!!! Countrywide has yet to rectify the situation! I also filed a police report for unlawful entry! My loan company isnt even Countrywide1 And they wonder why they are in bankruptcy?
Date: Wed 03/12/08 8:50AM
From: marcella
Message: WHAT A SCANDALOUS MORTGAGE FIRM!!!!!!!! I AM FACING FORECLOSURE BECAUSE THEY ARE FINDING EVERY EXCUSE NOT TO WORK WITH ME.I AM DELINDUENT 5 MONTHS IN PAYMENTS AND DAY AFTER DAY I AM TOLD THAT THEY,CW CANNOT HELP ME UNLESS I COME UP WITH THE LUMP SUM THAT IS DUE.THE PROBLEM IS THAT HALF OF THE PAST DUE AMOUNT IS ACTUALLY ATTORNEY FEES ,WHICH KEEP ADDING UP BECAUSE THEY,CW,REFUSE TO ALLOW ME TO PAY THE 5 MONTHS IN PAYMENTS.THEIR REASON BEING IS THIS;I AM A CONSTRUCTION WORKER WHO IS LAID OFF SINCE DEC.'07 WITH A RETURN TO WORK DATE SCHEDULED FOR APRIL'08.THEY SAY THAT MY LOAN CANNOT BE MODIFIED BECAUSE MY CURRENT UNEMPLOYMENT IS NOT SUFFICIENT.IN OTHER WORDS,UNEMPLOYMENT COMPENSATION DOESN'T PAY ME ENOUGH TO BE LAID OFF.I HAVE THE FUNDS AVAILABLE TO PPAY THE 5 PAYMENTS,HOW DO I GET TO THE NEXT STEP TO GET THEM TO STOP ALL THIS NONSENSE WITH CONTINUING THE FORECLOSURE.NOTHING IS GOOD ENOUGH FOR THEM AT THE PRESENT TIME.ONLY FOR ME TO RETURN TO MY JOB SOONER.THIS IS ALL I AM TOLD WILL HELP ME.HOW CAN THIS BE?
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