Countrywide Financial Texas Home Loans Sucks

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

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

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

Texas Home Loans Sponsored By US Home Loan
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From: Smarter than you

Message: Let me guess made up story and or just an irresponsible person not willing to take blame for your own issues. Blame the company then create a site that offers loans. Sounds like you are desperate. I guess Countrywide is still the number one lender in the world and most respected lender despite your ignorance and irresponsibility I suppose you think it was Geroge Bush's Fault as well. Let me guess lefty liberal single mom high school education. You are very average
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Date: Fri 02/2/07 1:32PM
From: HRB

Message: Countrywide is the next Enron, they even match their 401K with CW stock only, no other matching option. If you are an employee every time a matching contribution is made trade it for the fund you are invested in with your dollars. Don't make the same mistake Enron employees did and loose because Countrywide is on the fast track that Enron took. The game is almost over for them, trust me, that's why I left. If you are an employee help YOURSELF by ditching the CW stock portion of your 401K because it will be worthless when they go bankrupt. The smoke is already visible, Bank of America looked at them as an acquisition and said HELL NO once they took a good look at the failing business model.
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Date: Mon 01/29/07 8:53PM
From: Dana

Message: I was previously employed at Countrywide and from the stories I have read 100% of the mistreatment and disrespect for their employees is correct. They had us working overime almost everyday and when time was needed off they would refuse and state that if you left it would be counted against you. YOU COULD HAVE NO LIFE OUTSIDE OF COUTRYWIDE. I believe Countrywide should be put out of business for the way not for just how they treat the employees but the customers. As when the victims were effected with the hurricanes when they lost not only there possections but their lives Countrywide showed no sympathy. What A disgrace! I am only not happy to no longer be with the company but I am relieved. When your advised not to go through Countywide for your mortgage take the advise I guarantee it will save not only your life but the stress and thought of maybe one day loosing you house due to the false information that is provided to you at the time of closing!!! I tell you this with knowing and having knowledge of internal information you MUST READ ALL FINE PRINT BEFORE YOU CLOSE YOU LOAN OTHERWISE COUTRYWIDE WILL TAKE YOU FOR YOUR HOME WHEN YOU CAN NOT MAKE YOUR PAYMENTS FOR THE FALSE INFORMATION THAT IS PROVIDED JUST TO GET YOU TO CLOSE THE LOAN SO MONEY GOES INTO THEIR POCKETS. You might think this is revenge or hate against Countrywide but infact it is for all the sympathy and sadness that I have had for the customers that would call and say they would not be able to afford their home for the lies that were told to them at the time of closing and for all the small print that was not discussed. May you have great luck if you do wish to go through Countrywide, but just think twice before signing you maybe signing your life away!!!!!
Date: Mon 01/29/07 12:11PM
From: Curt

Message: I'VE BEEN ON HOLD FOR 30 MINUTES! THIS IS NUTS! I WAS TRANSFERRED ONCE FROM SOMEONE IN INDIA, NOW I'M JUST IN LA LA LAND. PLEASE COUNTRYWIDE FIXED YOUR PHONE SYSTEM. IT REALLY DOES SUCK!
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From: jwwfu]

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Date: Thu 01/18/07 5:51PM
From: William Thomas

Message: Countrywide Mortgage completely sucks! They botched my closing by not completing the paperwork for a VA loan since they make less on VA loans then other loan types. They under estimated my closing payment by over $7,000 dollars; I almost did not close and had to borrow the money from my realitor. I must admit I got a great rate, but the ha**le was not worth.

DO NOT USE COUNTRYWIDE.....NEVER
Date: Sat 01/13/07 11:08AM
From: G

Message: We refinanced with Countrywide last year after being in our home almost 10 years. Later we get foreclosure papers from our initial lender; Countrywide NEVER FUNDED to the previous lender! No one will return our calls; we never received any communication as to why this was not funded. I am now over $25,000 out of pocket and am having to sue Countrywide.

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From: Marcus

Message: I happen to deal with a manager at Countrywide on an ongoing basis. Never have I been treated with such disrespect. Based on my experience with this person I expect that everyone at this organization is a grade A jerk. I would never do business with this organization and encourange anyone reading this to go elsewhere for your financials needs!
Date: Wed 01/10/07 10:01AM
From: Jeremy Stoner

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Date: Fri 12/8/06 4:39PM
From: Ted Florence

Message: I was laid off in October along with 3000 others. I was upset, I would have come on here and said really bad things in my anger. I took another job with another lender but was recently asked to come back to CW and jumped at the chance. I know things go bad sometimes but with a comapny this big there are going to be things they dont do right. There are bad people working in good companies. I am happy to say I am again an employee of CHL.
Date: Mon 12/4/06 1:00PM
From: An Angry Former Employee

Message: I was with Countrywide for only two months and recently my manager first asked me to resign and then terminated me. During my first month, I didn't even have data access. Countrywide is the worst company I have ever experienced!

Thanks for creating the website!
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Date: Thu 11/30/06 7:19PM
From: Mark Cappello

Message: 6.500 sucks............I can do a 30 year fixed at 5.750% today. E-mail me at mark.cappello@yahoo..com
Everyone in the lending business knows CHL sucks on refi's
Date: Thu 11/30/06 12:19AM
From: lea

Message: I never expected to be posting here. Countrywide bought my loan about 5 months in, my two year adjustable period is ending and I wanted to refi to lock in the rate. A CW rep went over my info, including my stellar payment record so far, quoted me 6.5 percent.. I can live with that, and said the only thing they need up front was 35 dollars for the credit app fee. So I authorized them to debit my checking account via my debit card number.

Lo and behold this morning, I had two charges on my account, one for 35 and one for 350 dollars! Yes! 350 simoleons right out of my account. So I figured it was a clerical error somewhere and wasn't upset.. until I called. They said my loan had defaulted to a loan type where they had to get the appraisal fee up front! So they just went ahead and charged me without my say so! The rep was like.. well will it be a problem paying the appraisal fee up front?

How is that the point, I asked? If you had said you needed the appraisal fee yesterday I would likely have given you my credit card, not my personal account from which I need to pay my car note and elec bill and which YOU darn near overdrew! And to me it is a form of fraud for you to take that money without my authorization! So he hem hawed about how it 'defaulted' and he didn't do it personally.. which I found out later was a lie.. but I told him flat out.. if you woke up this morning and found out someone had snatched 350 bucks out of your pocket just how would you be feeling right now?

Basically I put a stop to the whole process. I had been happy with them up til now.. but there are other lenders out there. I would take a higher interest rate not to deal with this sort of shenanigans! I will get a refi... but it won't come anywhere near this company.
Date: Wed 11/29/06 1:03PM
From: Richardson

Message: As an underwriter at countrywide, I was asked to sign off on doc**ents that did not meet compliance. All the department wanted to do was to get as many loans closed and funded as possible. When I refused to sign off on the loans, I was considered not a team player. I was marked, picked on, hara**ed, falsely wrote up. They watched me like a hawk. All of a sudden my time became an issue. They wanted me in the office no later than 8:30am on time but never mind if I had to stay 7pm or 8pm at night and would even complain about me taking a lunch when the files were piled high and waiting to be reviewed. It was constant hara**ment. I was even pulled in the office by three of my managers and was given a piece of paper which I have stating that I can not turn down any files and all my work had to be reviewed by my boss and they basically tried to intimidate me. When I would take a file to them and tell them why I did not sign off on the file, they would say that the file was okay and I could sign off on the file and then they would tell me "NO" you sign off on the file and would try to force my hand. I got so fed up with what they were doing to me. They started to tamper with my paycheck. Sometimes, I would get a paycheck and sometime I would not. Sometime my paycheck was short. It got very frustrating to me. I rescind and have gotten approval through the EEOC to sue. Countrywide has some serious issues that need to be resolve very quickly. They way that they treat their people who have tenure is down right wrong. Management should be held accountable for their actions and changes need to be made starting at the top!
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Date: Wed 11/15/06 9:09PM
From: Employee

Message: I am an employee with Countrywide and I have to say that the service that you are given as a homeowner, is all about making the numbers. The faster you can kick a borrower off of the phone, the better the managers will look. If I speak only for myself in saying this, I WILL DO WHATEVER I CAN TO FIX YOUR LOAN if I receive an issue. I correct loans everyday that we have screwed up and yes you might have already called but the person you spoke with was to busy trying to sell you something and make a quota in order for them to keep their job. Our CSR's have been turned into selling machines. It is all about making more money for Countrywide. Countrywide makes enough money on late charges alone to cover the employees salary for one day. We might be generous and waive your late charge but the next month, even if you are on time we will put it right back on there. I am sickened by the way they handle the borrowers loans and the employees. It is honestly not that we do not care about you guys, but if we dont make the bullshit numbers they magically pulled out of there a**, we wont have a job. They have out sourced and opened 2 locations in India and they run them like a sweat shop. They do not want the public to know about that. Almost all of the payments processed are now handled in India. ASgain, taking out jobs and forcing those employees with outrageous production numbers. One of our mission statements is "Maintain Customer Focus" I believe in that 100% but unfortunate for everyone, they do not allow us to do so. If I as an individual could change it all, I would. I recenelty bought my first home and a month later they sold it to Countrywide. I AM PISSED OFF. I work there and they would be the last person I would have wanted to handle my American Dream!
Date: Wed 11/15/06 10:10AM
From: Ms. Helpful

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

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

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

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

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

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

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

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

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

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

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

6. Get Fired Up!
When layoffs are looming, the best course of action is to stay positive and place yourself in a position of strength. Remember, change is an accelerating mechanism. It can bring about hardship and anxiety if you try to avoid it, but tremendous opportunity if you accept and welcome it.
Date: Mon 11/13/06 10:23AM
From: Marcus

Message: I am a former CHL employee. I worked their for 10 years. When I started work there I loved it. CHL was a progressive and state-of-the-art company, industry leader and pioneer in the mortgage business. I worked hard and made a lot of money. There were terrific managers throughout the company, including Joe Anderson who ran the retail division (CMD). In 2000 CHL decided it needed to hire loan officers and become a more traditional lender. That is when the company started to sour. Someone else posted a story to this site about Brian Hale. I always felt that Brian Hale was the beginning of the end for CHL as a great place to work. I was no longer important, only the numbers I produced. And the numbers were never high enough (even though I won awards as a top producer). More more more was all they wanted.
In regards to the rates and fees - CHL had the highest interest rates in my market. They were, by far, higher than any other lender or broker - it was almost a joke. How could I be successful, or my branch be successful, if I couldn't compete. "That is not an acceptable excuse" is what I was told.
CHL started their own in-house vendor management company, called Landsafe. We were mandated to order from Landsafe - all credit reports, appraisals, flood certs, title, etc. The appraisal fees went from $225 (ordering direct from the local appraisal companies) to $390 ordering through Landsafe. CHL wanted their piece of the pie and inflated the fees by providing a service (what service? They acted as a middle man.) My CHL stocks did great, but I was priced out of the market both on rates & fees.
I also got my own home loans (1st & 2nd) from CHL. My home was new construction so after a year I went through escrow analysis and, as expected, I had an escrow shortage. CHL sent me a coupon which was clearly printed as "ESCROW SHORTAGE" in which to mail in a lump sum. I did this using their coupon. Lo and behold they applied the escrow shortage check to principal. (I had automatic debit of my regular payment, so did not normally mail any payments.)
It took me 5 months to get them to correctly apply the escrow shortage, and I worked there! When they finally backed out all of the payments - back to the one that was misapplied - they reapplied the payment - to the principal again! HEL-LO! And I had to go through the whole process again.
Their Payment Processing Center has to be in the bottom 10 worst in the world. I received many, many phone calls from people (my customers) who had payments misapplied, go missing, or be applied to the wrong customer's account.
I have since left CHL because I could no longer be successful there. I was very sorry to go, because I had seen how great the company once was, but it was being driven into the ground by the current senior management.
Date: Mon 11/13/06 10:06AM
From: Roy M.

Message: I would like to let the world know that my mortgage company, whom I did not chose to be my lender, lacks credibility and common sense. Furthermore, they are sloppy, lazy and they conducted themselves in a very unprofessional manner in the handling of my home loan.
All of Countrywide's employees and so-called managers I contacted by telephone lied and misrepresented their ability to resolve the problems they caused with my loan. They misappropriated my funds and then stole the monthly payments. They then hara**ed me with over twenty phone calls threatening me with foreclosure and the loss of my credit power, while possessing the monthly payments I had made to them.
During these hara**ing phone calls, I was instructed to give the account numbers on the back of my copy of the cancelled checks to the representative. These were verified to be Countrywide accounts. I then sent them the copies of the cancelled checks (via certified mail) including return receipts, so that they could post the credits to my account. However, to my surprise each of the four times I sent copies, (I sent copies to two offices; Van Nuys & Simi Valley), I continued to receive threatening phone calls from Countrywide stating that my payments were never received and that I had not made any effort to send them copies as promised. I tried to handle the situation professionally; however, I was not treated with the same courtesy and respect by Countrywide.
Countrywide Home Loan makes a claim that they are number one in customer service and will handle your needs professionally. However, the clear facts are that their company and its employees lack integrity and are not credible in dealing with the public when it comes to a home mortgage loan and the proper accounting of such a loan. They have simply swept my problem under the rug and after all was said, I have still yet to receive an apology for all their mistakes and the valuable time they wasted in resolving this simple matter.
I had made over fifteen phone calls, written nine letters, (besides the four certified letters I already sent) and not once did I get a response from anyone from Countrywide to help resolve this nightmare. Therefore, in January of 2000, I filed a small claims action to get a fair hearing to resolve the matter of my lost monthly payments, six late charges, and my escrow deposit. It was not a surprise to hear from them until the day before my hearing on or about February 10, 2000.
I received a call from an employee who said that a vice president secretary wanted to know about my figures in relation to my small claim action to be heard the next day. Once again the conversation fell on deaf ears and I heard nothing about Countrywide’s mistakes or for that matter an apology.
When indeed I met the representatives at the hearing, the conduct of their head accountant and VP adviser reinforced my previous experience with Countrywide; none caring, lacking common sense, no integrity or credibility. These two employees informed me at the hearing, that my payments, six late fees, and escrow account had been credited to my home loan a few days prior. I stated to them they had wasted my time and money in reaching a final and fair solution and their actions had also caused me to lose several days’ work. Their answer to that was a generous offer of $100 for all my troubles, totally disregarding what their company had done to me as an individual with all of their lies, disrespect and abuse. They did not show good faith or a sincere effort to correct their mistakes regarding my account. The hearing went no where, since I, according to the judge needed certified accounting of my figures. The case was dismissed in favor of Countrywide Home Loan.
I have congratulated Countrywide and their so called legal team on their skill in winning this case since now they can legally steal mortgage payments and misappropriate other funds with no worries or concerns for the rights of individuals.
Here you can see as the borrower, that this giant company will have no regards for you. They cannot fix a small common problem with a click of their computer mouse, yet they were willing to squander time and money to send three loafers on a 140 mile round trip to court costing them hundreds of dollars.
It is clear what Countrywide has accomplished with their unethical and dirty business practices. They have lied and misrepresented their so-called knowledge of handling simple home loans and displayed a gross disregard for the truth. Instead they will go to great lengths, including wasting manpower, time and money to cover up their mistakes.

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1 2 lb. T-Bone steak, about 2 inches thick

2 T. olive oil

1 t. dried rosemary

1 T. cracked fresh black pepper

1 t. sea salt



Rub the steak with the olive oil. Rub in the spices and set aside for 30 minutes.



Preheat grill to high.



Sauce:

1/2 oz. dried mushrooms, any variety

1 1/2 C. boiling water

Soak the mushrooms for 20 - 30 minutes.

2 T. olive oil

2 T. fresh chopped sage

2 shallots chopped

4 oz. fresh shitake mushrooms

4 oz. button mushrooms

1/2 t. salt

1/2 C. heavy cream

1 T. sherry

2 T. fresh chopped parsley



Drain the mushrooms, reserving the liquid. Set the liquid aside. Squeeze mushrooms gently to remove excess water.



Heat the oil in a skillet over medium high heat. Add the shallots and cook for 30 seconds. Add the sage and and all of the mushrooms. Cook about 2 minutes and then add the reserved liquid. Cover and cook for 4 minutes.



Add the cream, salt and pepper. Simmer the sauce until it begins to thicken. Stir in the parsley and serve.



When you begin to make the sauce, throw the steaks on the grill and cook for about 8 minutes on each side for medium rare.



Serve the sauce on the side.



Serves 2 - 3.
---------------------------------------- ----------------------------------------
Date: Mon 11/13/06 9:39AM
From: Tom Smyth

Message: Hearty Vegetable Soup

INGREDIENTS:
3/4 cup chopped celery
3/4 cup chopped onion
1 cup chopped carrots
1 (14.5 ounce) can diced tomatoes, drained
3 cups tomato-vegetable juice c***tail
2 cups water
1 leek, chopped
1 potato, peeled and cubed
1 (15 ounce) can peas, drained
1 (15 ounce) can whole kernel corn, drained
2 (15 ounce) cans garbanzo beans, drained
1 cup long-grain white rice
1 tablespoon soy sauce
1/4 teaspoon dried thyme
1/2 teaspoon ground black pepper
1/4 teaspoon garlic powder
1 teaspoon dried dill weed

DIRECTIONS:
In a large pot over high heat, combine the celery, onion, carrots, tomatoes, tomato-vegetable juice, water, leek, potato, peas, corn, beans, rice, soy sauce, thyme, ground black pepper, garlic powder and dill weed.
Bring to a boil, reduce heat and simmer for 30 minutes, or until vegetables are tender.
---------------------------------------- ----------------------------------------
Date: Mon 11/13/06 9:41AM
From: Sue

Message: Grilled Flank Steak

1 ( 1 1/2 lb. ) flank steak
1 ( 10 1/2 oz. ) can beef consomme
1 cup red wine
2/3 cup soy sauce
1/2 cup green onions
1 clove garlic, minced
2 Tbsp. lime juice
2 Tbsp. brown sugar

Trim excess fat from steak, pierce steak on both sides with a fork. Place steak in a large shallow dish. Combine remaining ingredients, stirring well. Pour over steak; cover and marinate in refrigerator 8 hours, turning occasionally. Drain steak, reserving marinade. Grill over medium coals 7 to 9 minutes on each side or to desired degree of doneness, basting with reserved marinade. To serve, slice steak across grain into thin slices. 6 servings
Date: Mon 11/13/06 9:23AM
From: Marcus

Message:































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































































Date: Sun 11/12/06 5:46PM
From: T

Message: Turner Says:

November 12th, 2006 at 7:34 am
On December 5, 2006 is my 11th year with CHL. Do I like the company? Not like I used to. Will I leave? No, I have a nice home here in Plano and a family of 4 to support. I’m “middle management” and what Rick states above is close to reality. In my division we have VP’s that report to VP’s, and these VP’s have no one reporting to them. AVP’s with 3-4 managers have 1 or no direct reports. There’s a SVP titled “Deputy Chief of Staff” in Simi Valley that has no staff. What’s that all about. This management reporting is evident within my division and across the board. Another waste of money is the R.O.S.E. Retreat. The majority of employees would rather see $$ in their paychecks instead of going to Lost Wages (Las Vegas) for a few days.

The culture between Texas and CA are always at odds. When the big wigs come out from CA, my management group puts on this false front that all is well. When they go back to CA, the attitudes go right to back to “we’ll do it our way, forget about what they told us to do”. Senior management also does not communicate with each level of management. One day everything is just great and secure, the next it the opposite.

Way too many layers of management here. A vast majority of employees surf the internet, takes longer than allowed morning and afternoon breaks, and pushes the 1 hour lunches an extra 20 minutes and gets away with it. No one here really cares and just looks the other way. Many employees abuse the use of the gym and go there during work hours and then takes their regular lunch hour. They do try to cover their time by bringing lunch from the cafeteria to their office, however they too are surfing the net and chit chatting on the phone.

No one cares and why should I. I have direct deposit every 2 weeks, 3 weeks vacation a year, and up until 2004 received fantastic stock options. I work in foreclosure, do my job, and make my own agenda as long as the work for the day is properly completed.

The 2500 layoffs currently in process is only the beginning. Between CA, TX, AZ, and Florida the fall out will be greater than 6000 by the end of the 1st quarter of 2007. That’s the only way to save $500 million or more per year in expenses. They could sell off say Balboa Insurance and/or Landsafe to save expenses and raise cash too.

A merger or acquisition would be best for the company overall, however I believe the magic number is north of $50 per share. EVP’s and up have excellent “change in control” agreements should a B of A or Wells Fargo step up to the plate. I’d be happy since my average stock option is $9.37 per share and in addition will receive 1 week severance pay for each year of employment. If that does come to fruition, I’ll cash in and open a sports bar in Frisco, Texas. Everyone is welcome.


Date: Fri 11/10/06 11:29AM
From: Marcus

Message: Does anyone in Texas know if Zach Parrott in Relocation been fired yeT. I can't wait to see that turd flushed down the toilet.
Date: Thu 11/9/06 1:02AM
From: Nick

Message: Hi, nice site!
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Date: Wed 11/8/06 2:37PM
From: Ivan

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Date: Mon 11/6/06 7:40AM
From: Mamadshah

Message: Hi, nice site!
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Date: Sat 11/4/06 11:50AM
From: atnzdwros dhkoe

Message: nhqd qdsa veurbkf pawcxklry gublnjqp lbrip mnbaspkh
Date: Fri 10/27/06 8:08PM
From: former employee
Email: mwade88@hotmail.com

Message: The Fort worth office was shut down today. They laid off pretty much the entire building and advised they will be closing the building also soon. To those employees that worked there for the right reasons you are in my prayers and you will definitely do better elsewhere. To the Managers and staff that id all the dirty work and I can get real specific with doc**entation if need be I hope you get interveiwed by a CHL homeowner who you tried or did screw over. How will answer the question when they ask what you did while at the company I am certain your lying skills may come in handy
but will be short lived you will figure out what I mean soon enough. Best wishes
Date
Left: August 17, 2006 By: In:

They are raiding office, auditing them, then shuting them down.


Left: August 15, 2006 By: Truth Commission In:

RE: Mike

Well not every Countrywide customer has had missing payments. So you're not of many that have. Good for you! Do you think its not happenning to alot of other Countrywide customers, just because it's not happenning to you.

I'm not a Countrywide customer, but I will back up the complaints here. I been in the mortgage business for three years, and I've seen plenty of evidence of Countrywide's incompetency on postng customer payments. I have also seen Countrywide screw up on alot of paperwork too. Their technology is archaic.

"Don't hate because you are stupid". Take your own advice. No one else here needs it but you Mike. Furthermore, don't judge because you're stupid either. Face it, you are smarter than no one here.

Oh and yes, get a lawyer to read your paperwork? Only if you're getting your loan with Countrywide.

Mike, you also sound about as stubborn and hostile as Countrywide Manager too.

Next time Mike, write something intelligent. Because you waste the time of readers who think you have anything worth reading.

Have a nice long day...


Left: August 15, 2006 By: Mike In:

I have had a home loan with Countrywide for 13 years. Never have I had a problem with them losing a payment. I always pay by check in the mail, about three days to process and done.

Maybe some of you should try keeping better track of your funds. Read the loan papers completely or have a laywer present to do so. Don't hate because your stupid.....


Left: August 12, 2006 By: In:

S&P 500 Scorecard: Hospira, Mylan, Countrywide Lead Index Lower
Aug. 11 (Bloomberg)

WORST PERFORMING
Countrywide -12% The biggest U.S. mortgage provider said
Financial Corp. lending declined 19 percent, more than
(CFC, $32.94) analysts expected.


BYE BYE PIGGY BRIAN HALE HAHAHA


Left: August 01, 2006 By: e. In: texas

It has been at nearly two years and I still remember how bad Countrywide was. The only way I can describe it is as a "kindergarten concentration camp for your mind"

I worked for several months as a temp (so they could save money and not provide benefits) I can understand 2-3 months of temping but 8 is a bit much. Thank God I found another job and was able to escape.

If you are intelligent - get out of Countrywide. The sooner the better.


Left: July 19, 2006 By: Ronald M. In: Houston, TX

Folks, avoid Countrywide. Period. If you're about to sign a loan through another mortgage company on any real estate, make sure you put the following clause in bold-print writing: THIS MORTGAGE MUST NEVER BE SOLD TO OR SERVICED BY COUNTRYWIDE HOME LOANS OR ANY AFFILIATE OF COUNTRYWIDE FINANCIAL.

Countrywide makes millions each year by purchasing loans from other companies. Your loan through another company could end up with Countrywide if you don't protect yourself. BE FIRM at closing. Protect yourself from Countrywide's practices.


Left: July 12, 2006 By: In:

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


Left: July 08, 2006 By: In:

Everyone go to the press and tell your story, write them, write the editors and call the radio shows. It is the only way to get it out. Let the world know what scum this criminal company is. Give me one person who has complained and had the company thank them and admit they found something....damn scum, GO TO THE PRESS!!!


Left: July 05, 2006 By: B. Kordick In: Austin

I too have a mortgage with Countrywide. We refinanced several years ago to a 15 year loan. We did pay a lot in fees and closing costs, about 5,000 which I have since learned was way too much. However, we pay our own taxes and insurance and our mortgage payment is debited out of our bank account monthly. So we have never had a problem with Countrywide saying they didn't get out payment. Might be an idea for some of you that have trouble with Countrywide saying they did not get your payment in the mail.

Even though we have not had any problem for the 8 years we have dealt with them becuase of all these stories I will defintely stay clear of them in the future.


Left: June 22, 2006 By: Jeff In: Dallas

If you have legitimate gripes about Countrywide, file a complaint with the Better Business Bureau by going to

http://www.labbb.org/BBBWeb/Forms/Business/CompanyReportPage_Expository.aspx?CompanyID=16065&sm=

I am absolutely guilty of falling behind on my mortgage payment. I contacted Countrywide when I was 30 days late, and explained I was going to have trouble making payments for the next 4 months. I got into their workout department and was told I was approved for a workout plan, and was given a case manager's name and phone number. I can document 30 times I called this person and she never once answered her phone. I would leave detailed messages on her voicemail and the few times she did return my call, she left a message saying only her name and contact number, never answered a question. I would get letters from Countrywide giving me contradictory information that I had received from customer service reps I spoke with on the phone. I was continually told they were working on it and someone would contact me, or that I should contact my case manager directly. I went so far as to start calling the case manager's supervisor and leaving the same messages. The supervisor never answered her phone nor returned a single call. Then I received foreclosure papers from a law firm saying they are selling my house in 6 weeks. Not once did I speak with a person from the workout department, and never did I receive any form of workout plan. I don't think it's a reputable business practice to agree to TRY and work out a debt, delay the process while adding on fees and late charges, and then suddenly demand full payment without a single word of negotiation.



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

Hey jerkoffs..CW ia a member of the S&P 500, Fortune 500, and #1 in customer satisfaction..this website's sole purpose is to drive business to US-Home Loans.com...get a life you stupid a**holes...



Left: June 05, 2006 By: anonymous obviously In: houston

check idea #6137 at cideas what do you think?


Left: May 03, 2006 By: The Welcome Wagon In: Plano

I hear Mr. Zach Parrott is moving to Plano. Let's give him a warm welcome. He hails all the way from GA where his management skills were applauded in the following way. Hmm. Maybe we should think about this.

yea, then you have the fag, homo Zach Parrot. can you believe a gay man who says he is straight, metro man man, who is married to a female. However, he visits "gay clubs" so he can live his true calling of sucking hard, veiny, dripping cocks... Zach.. you fag , piece of diarehha shit


Left: May 02, 2006 By: In:

most of these stories are from people who haven't paid their mortgage payments on time. the moral of the story is MAKE YOUR PAYMENTS ON TIME!


Left: April 24, 2006 By: Screwed by Countrywide In: Texas

Full Spectrum Lending might soon be investigated for "bait-n-switch" lending practices. More details to come later, but suffice it to say: AmeriQuest Mortgage got busted BIG TIME for the same stuff that Full Spectrum and Countrywide have been doing all along.

This could get VERY interesting indeed!


Left: April 24, 2006 By: Screwed by Countrywide In: Texas

Full Spectrum Lending might soon be investigated for "bait-n-switch" lending practices. More details to come later, but suffice it to say: AmeriQuest Mortgage got busted BIG TIME for the same stuff that Full Spectrum and Countrywide have been doing all along.

This could get VERY interesting indeed!


Left: April 17, 2006 By: Dereck In: Houston

I worked for Full Spectrum Lending - a division of Countrywide Home Loans. There is no doubt that there were many problems at Countrywide. However, I now work as a broker and I see that the industry is replete with problems and corruption. In my opinion, I think Countrywide is one of the better companies in the industry. I believe one of there biggest problems although has to do with the fact that they purchase the rights to service so many loans. There is no excuse for the poor coordination between Countrywide and the other companies. However, those who complain about having no problems until Countrywide baught there loan...read your loan ducuments (RESPAS) which indicate the likelyhood of your loan being sold. The company you went with origianlly sold your loan - share the blame (of course there is a lot of paperwork and a lot of fraud). It is a mess of an industry, I'll agree. I just don't see Countrywide as the biggest problem. Look closely at some of the other companies out there and you may be surprised what you find out.


Left: April 16, 2006 By: In:





Left: April 09, 2006 By: Jeffrey Skilling In: Houston

Enron ?


Left: April 09, 2006 By: In:





Left: April 09, 2006 By: In:

Isn't it interesting how the Countrywide lovers stalk this website and find it neccesary to scroll the board down with massive amounts of blank space in an attempt to hide the legitimate gripes of customers and employees?!


Left: April 08, 2006 By: In:

Left: April 08, 2006 By: In:

CHL is falling apart because of brian hale. in less than 5 years, fat ass hale is single handily destroying the 25 years of CHL culture that angelo built. he has bullyied out the the talent of joe anderson, phyliss buckelew, and many, many others. he has replaced them with lunk heads who just want to play golf, drink beer, and chase skirt (during company hours!!!). they could care less about the history and tradition of CHL.

Left: April 06, 2006 By: In:

They always sing you the best case scenario on the first interview (you'll make lots of money) then on the second interview they hit you with the work hard bullshit to see if you scare off. If you go to work there your ass is owned.

All of Countrywide's good will that was built up over 25 years is being flushed down the shiter now thanks very much Brian Hell.

Left: April 06, 2006 By: In:

kaye - run for life. CHL is a sweatshop, with mean managers who don't even know how to tie their own shoes. you would be making big mistake if you get lured in by their lies and bullshit. they are experts of desception.

Left: April 06, 2006 By: In:

they hire felons so you should be in good shape.

Left: April 05, 2006 By: Kaye In: Fort Worth

Can you tell me how difficult it is getting on with two misdeamenors? I hear they role everything together so the scores have to be less than 75 points. Getting an offer for Fort Worth location, anybody know what it is like to work there?

Left: March 31, 2006 By: Former employee In: Dallas

I worked for this horrible corporation for 5 years. During which time came to understand that this evil corporation cares about money...and money alone. They have to regard for the customers. I worked in the forclosure department and had to tell people everyday that we (countrywide) couldnt help them because "they didnt have any money." To all you customers already out there...if you have asked to speak with a supervisor you will notice that it takes about 10 minutes of holding to get in touch with a manager, well that is because they are all walking around the floor talking to their friends, eating or surfing the net. But as far as the company is concerned that is no big deal. Now I can kicked to the curb by that company for being late from a lunch break..infact I was 7 minutes late. When you apply for a loan, apply to a company that cares and treats you like a customer...not like a number like countrywide does.

Left: March 28, 2006 By: In:

brian hale eats all the leftovers at the countrywide cafe in plano. he dumpster dives for chicken pot pies

Left: March 28, 2006 By: In:


Left: April 08, 2006 By: In:





Left: April 08, 2006 By: In:

CHL is falling apart because of brian hale. in less than 5 years, fat ass hale is single handily destroying the 25 years of CHL culture that angelo built. he has bullyied out the the talent of joe anderson, phyliss buckelew, and many, many others. he has replaced them with lunk heads who just want to play golf, drink beer, and chase skirt (during company hours!!!). they could care less about the history and tradition of CHL.


Left: April 06, 2006 By: In:

They always sing you the best case scenario on the first interview (you'll make lots of money) then on the second interview they hit you with the work hard bullshit to see if you scare off. If you go to work there your ass is owned.

All of Countrywide's good will that was built up over 25 years is being flushed down the shiter now thanks very much Brian Hell.


Left: April 06, 2006 By: In:

kaye - run for life. CHL is a sweatshop, with mean managers who don't even know how to tie their own shoes. you would be making big mistake if you get lured in by their lies and bullshit. they are experts of desception.


Left: April 06, 2006 By: In:

they hire felons so you should be in good shape.


Left: April 05, 2006 By: Kaye In: Fort Worth

Can you tell me how difficult it is getting on with two misdeamenors? I hear they role everything together so the scores have to be less than 75 points. Getting an offer for Fort Worth location, anybody know what it is like to work there?


Left: March 31, 2006 By: Former employee In: Dallas

I worked for this horrible corporation for 5 years. During which time came to understand that this evil corporation cares about money...and money alone. They have to regard for the customers. I worked in the forclosure department and had to tell people everyday that we (countrywide) couldnt help them because "they didnt have any money." To all you customers already out there...if you have asked to speak with a supervisor you will notice that it takes about 10 minutes of holding to get in touch with a manager, well that is because they are all walking around the floor talking to their friends, eating or surfing the net. But as far as the company is concerned that is no big deal. Now I can kicked to the curb by that company for being late from a lunch break..infact I was 7 minutes late. When you apply for a loan, apply to a company that cares and treats you like a customer...not like a number like countrywide does.


Left: March 28, 2006 By: In:

brian hale eats all the leftovers at the countrywide cafe in plano. he dumpster dives for chicken pot pies


Left: March 28, 2006 By: In:






Left: March 23, 2006 By: fred In: dallas

CHL is falling apart, and i hope brian hale has a massive heart attack, dies, and goes to hell. within 5 years, he has single handly destroyed one of the best mortgage company's, and the lives of countless employees and customers. f... you mr. hale and your little cronies.


Left: March 22, 2006 By: Tom In: Little Elm

Would anyone expect anything different from a company without a drug testing policy?


Left: March 20, 2006 By: Jill M. In: League City

Me again....one other thing I thought was worth mentioning. My identity was stolen a few months back by a lady in Dallas. She paid two electric bills using my name and a routing number off one of my checks. I looked to see what bills I pay in Dallas, and there it was, Countrywide's Plano office.
Now from looking on here, it is obvious that this Sandra Marquiss that paid her electric bill ($419 in one month!!! $58 in another month) is from Dallas. She is busted and I filed a report with Galveston County for identity theft, in which they are taking care of it. Eventually it will catch up to this woman whoever she is. But it is interesting to see that Countrywide actually has the things going on in their Plano offices that is very shady. Not to mention all the problems I have had with Countrywide. I know have my bank write the checks. Be careful on writing Countrywide personal checks!!!!!


Left: March 20, 2006 By: Jill M. In: League City

THANKS COUNTRYWIDE FOR NOTHING!!
Thanks to Countrywide, my housenote went up $700 in one month, all because they actually got the decimal mark in the wrong place when figuring up my school taxes, ok who pays $240 in taxes for schools every year? The smurfs? Yeah, then, they proceded to NOT pay my PID taxes for 2 YEARS!!!!!!!!!!!!!!!!!! They have the nerve to say on the phone " if this was our fault, we would pay for it " Well who's fault is it? Then I went local, they tried to help me at the Countrywide office around the corner, when I told them my problem, they then called Countrywide's corporate office and they actually LIED to the lady from the local office. Nice.
So they work out a "payment plan" with us, even after we are now negative 5 grand in escrow....the payment plan was for $1618.00 per month, so my mortgage went from $1154.00 to $1618.00 per month, ok great.
Last month, we get a letter from Countrywide....they are now telling us they paid $500 to the county taxes instead of to the school taxes. Not only is this our fault and we have to pay for it, they will add it to our escrow. I do not get the nerve of these freaking people. Alas, I go to pay my taxes this year and they are up $6000 some of that is thanks to the fact that Countrywide did not pay those PID taxes for two years and last year they added it to our mortgage, and shorting the school taxes, these people are a joke. Whats worse is that we did not even chose them. We started out with Home Key Mortgage and all was well until Countrywide bought them out. Now we are stuck and they know we are.



Left: March 18, 2006 By: Napoleon In: Plano

I worked the fishbowl for several years. Looked at it as a modular plantation with a few managers with their hands in the pot, none much sharper than a wet noodle or interested in anything beyond immediate monthly application numbers - it's all about the numbers and being afraid of the outside world. Had to deal folks who aspired to be in management that were just there not to work but to throw some 'numbers on the board' look good for a spell with a goal to eventually 'get off the phone'. The driving culture whether from lower or upper level management was not to do things right, improve systems and doing right by the customer but rather to put those numbers on the board and get a periodic pat on the ass from your supervisor. Who cares about customers anyway - numbers on the board and blatant favoritism is where the action is and all you suck ups know that so congrats on your promotions. What a life!
Those blitzes were fun too - send out the letters or make some calls using a fony name, like Alexa, drive in calls, try to sell a product that might not be right, if they don't take the pay option ARM then be sure to slam the piggy, put a card in for the drawing and call it a Saturday going home with a movie ticket and desperate need to a stiff drink while the shopper goes home with the DVD or camping gear he always wanted.
Very releiving to be out of the fishbowl, free of the shackles and to have my rights as an American citizen restored. CHL truely did suck dot com - I feel priviledged and proud to have the opportunity to post!



Left: March 17, 2006 By: In:

http://www.ripoffreport.com/

search: countrywide

You will be appalled


Left: March 17, 2006 By: Stephen In: Houston Texas

The names are going to stay the same to point out the guilty. Below is what I sent to the Customer Service department.

My comments are going to deal with the extremely poor customer service I received over the last 5 months. For the past 5 months I've been tring to get my loan refinanced. The first time, we got 3/4 the way through the process and the lady Audrea Smith stop returning my emails and phone calls. So, I called and had Countrywide start over from scratch. Leamon Anderson, assisted me and we talked numbers and then Countrywide send me the good faith estimate. This go around the prices that me and Mr. Anderson talked about was off by 300 more a month. I called Mr Anderson and asked why is it 300 more a month then the numbers we had talked about and he did not have an answer. So, Mr Anderson and I went through the process all over again and talked numbers again. This time Mr Anderson did not send a good faith estimate. I called Mr Anderson and told him I haven't received the good faith estimate yet. Mr Anderson stated that they didn't need to send out a good faith estimate that they already had the stuff they needed to move forward on the refi.
Then Valerie Soliz from Fidelity National Title called and said that she has my loan papers and wanted to talk about a time frame to have a closer come out and so I could sign papers. I asked Valerie what the monthly payment was and she told me and it was STILL 300 more a month. I told her that is not the numbers that me and Mr Anderson had talked about. I told her I understand that she doesn't work for Countrywide and that this is going to have to be put on hold until the numbers are correct. Valrie gave me the name of the person that was processing my loan, Michele Hassell. I called Michele and asked why the monthly amount was 300 more amonth then what me and Mr. Anderson talked about and she had no answer. I called Clinton Henderson (Vice President of the Plano office?) and explained the situation. Mr. Henderson looked into what was going on and seem to get things working correctly. So I scheduled a time for Fidetily National Title to come out and so I could sign the loan refi papers. After going through 3/4 of the paper work we came across a paper that said I needed to bring $7,000 more to closing then the orginal $4,000 I was told. So I would have had to bring $11,000 to closing instead of the $4,000 I was at first told. I did not sign that paper and the loan is still not complete. There is a MAJOR break down between people in the same department, different departments and a lack of either training or knowledge with the people I've talked with over the last 5 months. During this time frame (5 months) the rate has going up 2 times. Because the rate has changed twice during this 5 month long extremely stressful refi, I'm now having to pay the more a month because of the rate change. Being that I'm in customer service, this IS the worse experience of my life and I've never have heard of this type of custom service before. Please understand this much. I have found a web site called http://www.countrywidehomeloansucks.com/ I intend to tell this story on this web site and also contact the BBB. It is also my intension to inform everyone I come incontact with regardless if they are or are not looking for a homeloan and or a refi. I will keep a close eye on the rate and when the rate falls below what I have now, I will find another company to do business with. I am beside myself on this and am suprised at how Countrywide operates as a company. Please feel free to contact if you feel the need. sbholcombe@houston.rr.com 281-960-4317.


Left: March 17, 2006 By: michelle In: amarillo

I just thaught that everyone should know that countrywide pays telemarketers up to 10.00 per hour to persuade you into a "free" quote. Now I say "free" because that is what they say, but after they actually get you on the line with one of those consultants who don't give a crap about you or your loan they will first run a credit check with out permition then you are actually charged about 350$ for your "free" quote. I know this because I worked for them.


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 14, 2006 By: In:

Grilled Flank Steak

1 ( 1 1/2 lb. ) flank steak
1 ( 10 1/2 oz. ) can beef consomme
1 cup red wine
2/3 cup soy sauce
1/2 cup green onions
1 clove garlic, minced
2 Tbsp. lime juice
2 Tbsp. brown sugar

Trim excess fat from steak, pierce steak on both sides with a fork. Place steak in a large shallow dish. Combine remaining ingredients, stirring well. Pour over steak; cover and marinate in refrigerator 8 hours, turning occasionally. Drain steak, reserving marinade. Grill over medium coals 7 to 9 minutes on each side or to desired degree of doneness, basting with reserved marinade. To serve, slice steak across grain into thin slices. 6 servings.



Left: March 14, 2006 By: In:

Ya really. That bitch should be doing hard time. By the way that idiot who was defending Martha, can't even spell her name correctly!
How's that wooden spoon feel now?


Left: March 12, 2006 By: In:

Piker is just sore because Martha broke the wooden spoon off in his ass.


Left: March 11, 2006 By: In:

shut the f... up with this martha stewert crap. you are a moron.


Left: March 11, 2006 By: In:

Martha Stewart has huge nuts!!


Left: March 10, 2006 By: Ray In: FtWorth

Additional item with Countrywides management In CA they are telling staff that there will be no more growth in CA. It will be 60% in CA. All growthoutside CA. I transfered to TX And I am told Countrywides goal is 80% outside CA.



Left: March 10, 2006 By: Ray In: Ft. Worth

I have been in the financial profession for 15 years. I came aboard Countywide as a member of management. I have to say there are some good people working there. But the management is missing the game. They dont see the big picture. The customers and front line staff are not treated #1. The management is fighting with each other no communication between departments. It takes a miracle to get anything done. Everyone is back stabbing each other. Its just a matter of time before they get worse. I ended up resigning my position with the company.


Left: March 07, 2006 By: shane In: Groves, Texas

Countrywide SUCKs....BEWARE
I lost my home in hurricane rita....my insurance company really stepped up to the plate and paid to rebuild my home and then some. You would figure in a situation like this the insurance company would be the one to worry about ...WRONG!!! Here steps in Countrywide to screw everything up. The insurnace money comes in both yours and your mortgage companies name to endorse then be able to cash and pay your builder. Countrywide REFUSES to send the money back. they have had 80,000 dollars of mine for over 4 months and have only released a very very small amount of it. I have 4 kids and a wife and we are living in a 30 foot travel trailer. Countrywide could care less. We have less than 1 weeks worth of work to do and have since December. They deposit this money into an account and believe me will hold it untill the cows come home and draw the interest off of it which is ilLegal to begin with. They now wont give us any money because they say they will not give us a dime unless my contractor signs a waiver of lien which is the only protection he has to insure payment...which no contractor in the world would sign untill being paid. Daily...Countrywide lies to us about something...they'll say the checks in the mail ..overnight...it never shows up...they lie about thir own names and phone numbers. They'll tell us to call sombody to get this resolved..you hang up call that number.....its out of service..then you never get the person you were talking to to begin with. I HATE THESE PEOPLE WITH A PASSION. The whole company is nothing but crooks and cons. Why should it be so hard to give me MY INSURNCE money.. from a policy I PAID for...so me and my family can go back home....it's not like we havent been through enough already. IF YOU READ THIS....NEVER NEVER NEVER NEVER USE COUNTRYWIDE FOR ANYTHING...YOU'LL BE SORRY YOU DID.it should take less than one week for them to recieve this check..endorse it and send it back...you know good and well that the government knows they are depositing these checks in interest drawing accounts and holding them as long as they can. Think of the millions of dollars they are holding in peoples insurance claim checks across the country right now...due to hurricanes and fires? They are making MILLIONS and MILLIONS of dollars a day by screwing people like me who need that money to get their lives back in order...but they dont care what we are going through...they just want to make a buck at all cost...no matter how illegal or wrong it is.


Left: March 02, 2006 By: In:

Wait a second. I thought Countrywide Employees were getting gyped out of their lunch hours. Isn't that why they got sued?

make up your mind. . . .


Left: March 02, 2006 By: In:

Well gee wiz

Let's recap

Countrywide employees are so dis-satisfied with their job that they feel the need to go take dope on their lunch breaks so they can put up with your bullshit.

I know you are surprised but do you need it spelled out any more clearer to you???



Left: March 01, 2006 By: In:

i agree that the personnel at CHL are great but the upper vp's are ruining a great american company with their greed. times have changed.


Left: February 28, 2006 By: In:

I work for Countrywide and it is one of the best company's I have ever worked for in my life. (I'm 40).
I take great offense to your statement that the employees suck. I guarantee you that my peers and I are some of the most professional people you will ever meet.
As I have learned, there is always a back story to people's drama and complaints. I wonder what facts you have not mentioned or forgotten.


Left: February 24, 2006 By: In:

Ya...I heard Martha Stewart is shaving her nuts now.


Left: February 21, 2006 By: Cristy Britt In: Corpus Christi

Our coutrywide loan officer tried to convince us that nobody else would lend us money to buy a condo, saying we didn't make enough money and we were lucky to get 8%----8% are you fu**ing kidding me!!! My credit card doesn't charge that much! NavyArmy FCU gave us all the help we needed at 5.25% for 15 years...I highly recommend them (and no-I don't work there) You don't have to be in the military to become a member either!


Left: February 21, 2006 By: In:

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


Left: February 21, 2006 By: Stefan Hearst In: Little Elm

Countrywide Home Loans, The Titanic, and the Impending Tip of the Iceberg

I was exposed by your website by some Countrywide employees who were thrilled that such a website existed. I was surprised that so many employees were aware of the website and that so many of them were in agreement with the complaints by the consumers and other former employees. In fact, I knew of certain employees that were simply terminated without any reason since Texas is an AT WILL state that allows any employer to terminate an employee without any reason and at any time. When you have employers leaving Employee-Friendly states like California and rushing to Texas (an Employer-Friendly state), it is because the Employers know that they can abuse their workers with excessive mandatory overtime and then impose difficult statistics that cannot be met by anyone and, thereby, avoid having to give them a pay raise over time.

I cannot help myself with the clear analogy between Countrywide Home Loans and The Titanic. Countywide Home Loans has been growing by leaps and bounds over the past few years. Its growth is attributable to originating its own mortgage loans and absorbing loans from banks originating loans but not servicing them or from other mortgage servicing companies that cannot afford to service mortgage loans that have borrowers that may be having financial difficulties through not fault of their own or perhaps there are borrowers who have lost all hope and do not really care about making mortgage payments. As Countrywide accumulates tens of thousands of mortgage loans around the USA, like The Titanic in a financial sort of way, it has more capital being directed its way and this capital allows it to continue to expand its operating capacity and investments. It spends much of this capital on buildings, computer hardware and software, training programs, and other assorted business expenses.

When loans are acquired by other lenders or mortgage companies, the information is transferred to Countrywide via electronic tapes or other electronic media and, in the process of transferring the information, there is a slight incompatibility of the software or transfer process and the information about the Homeowners' account is skewed including the payments. The Homeowner is supposed to receive a GOODBYE letter from their previous lender and a WELCOME Letter from Countrywide Home Loans. Due to the inaccuracy of the mailing information and the quality of the WELCOME letter, the Homeowner never gets a WELCOME letter and the Homeowner continues sending their payment to their mortgage company without any idea that their payments are not being sent to Countrywide Home Loans in a timely manner. Countrywide, on the other hand, is like a big train in motion and, once the mailing address has been corrected, sends Delinquent Notices with the implied threat of foreclosure to the new Homeowner. The Homeowner, taken by surprise, either assumes there must be some mistake or there must be another person with the same name or is insulted by these letters. The Homeowner sends front back copies of their cancelled checks or bank statements proving that they did make payments but are still met with threatening phone calls by a Countrywide Home Loan Representative whose only goal is to get the Homeowner to make a Promise To Pay (PTP) or a Mortgage Pay by Phone (MPP) that very moment because the Countrywide Rep will get points. The illogical thing here is that the funds in the Homeowners bank account have already been cashed and there are no funds for the Homeowner to make another payment.

Countrywide Home Loans has millions and millions (I do know it is extensive) of dollars in Unidentified Payments that are kept in an Unidentified Check Log (for unidentified personal Checks, Money Orders, Cashiers Checks) because the Homeowner name or account cannot be Identified due to illegibility or an incorrect loan number or the loan has not "boarded" correctly onto the Computer system.

As Countrywide continues to accumulate more loans that need servicing, there is the attempt to have its loan servicer in various departments handle higher volumes of loans which means that workers must process more loans faster (quantity) which only logically and inevitably means that not much time (quality) can be spent on each loan. About a year ago, Countrywide Home Loans' campaign goal was to attain the ONE TRILLION DOLLAR mark. This mark meant that Countrywide had One Trillion Dollars of mortgage loan servicing portfolios. It was to be a big EGO TRIP for Countrywide as a company. What was lost in this effort was the quality in mortgage servicing because everything had been reduced to STATISTICS and NUMBERS. Quality was not a concern. Just DO WHAT IT TAKES to get the numbers up and continue to increase the servicing capacity. These mandates are made by people who have never been in the trenches to understand the degree of difficulty that is required. Countrywide hires managers who have never done the gritty work and, because the gritty work appears to be so simple, these managers assume the job is so easy that these workers can do more. Like THE TITANIC, the workers on the bottom of the ship are sweating and labouring with short breaks, mandatory overtime, and 30 minute lunch breaks as they shovel the coal into the steam engine of The Titanic to make it go faster and faster to impress all the executive passengers and shareholders in the marble floors on the top of the ship while their managers get compensated with bonuses for getting more work out of their workers for less.

Now let me say that this is the impression that I got for the six years that I was employed with Countrywide. I was laid off from Countrywide but not provided with any reason but I am convinced that this was due to a payment I received that did not get posted for about three weeks because I was in a mandatory training class and no one could find the missing payment. I am not a disgruntled employee. I knew of other people who were laid off for no apparent reason. Never mind I have 22+ awards for excellent customer service and research abilities. Like all Texans who may have been laid off with no explanation, we have no recourse under the Texas AT WILL STATE hiring policy. This means anyone, anywhere can be fired or laid off AT WILL and you are not entitled to any explanation. You can see how great this is for companies that have unscrupulous and ethically questionable business practices. It forces an employee to keep their mouth shut because everyone has to put bread and butter on the table for their families.

Another indicator of a company that is to be suspect is the implementation of an ETHICS SCENARIO campaign where Countrywide has one of their legal counsels prepare an ethics scenario and requests input from the workers to tell them what action they would take in a certain scenario. They also invite employees to put forth any Ethics Scenarios of their own. According to many of my coworkers and supervisors, I was advised to avoid answering these Ethics Scenarios because they are nothing more than FISHING EXPEDITIONS to get someone to say what is going on or what the general practice is in certain situations. When a company makes a claim to adhering to ETHICS, it is a good time to be cautious and stay out of the loop. When entered my own version of Ethics Scenarios, I was called into the HR Office to answer why the use of cameras, recorders and microphones would resolve several questionable practices. I told them it was simply a hypothetical situation and nothing more.

For the past six years at Countrywide Home Loans, for example, there have been employees and I who have picked up the scent of marijuana in the immense parking garage and it is a daily activity. There should be no smoking of tobacco in the garage but the security people told me they were advised to let the people smoke the tobacco in their vehicle. These tobacco smokers know that they will not be bothered if they smoke their tobacco by security so the practice is common and now we have people who smoke marijuana all the time and, if security approaches, they can easily light up a cigarette and claim they are just smoking a cigarette. I have seen people personally who do not care if anyone sees them smoking marijuana in their vehicle.

Countrywide Home Loans has never had and I am confident that they will never ever have a Drug Testing Policy at any time in the future. I was told by reputable sources, that this is because Countrywide is very aware that many of its employees will fail the Drug Test. Perhaps with the increasing work demands and stresses associated with mandatory overtime that so many employees have resorted to using drugs. But it matters not to Countrywide because profits outweigh liabilities.

Countrywide has become a big Titanic with employees that have become dangerous with the rampant use of prescription and nonprescription drugs and illegal drug use such marijuana and no checks and balances even with management. A perfect case of management gone murderous was late last year when a manager was in a traffic altercation just outside the Countrywide Home Loans building in Plano, Texas. This manager was probably stressed out and was annoyed at another driver and passenger of another car and this manager took a big gun out and shot the front windshield of the car out. Of course, Countrywide Home Loans, upon finding this out later, fired the employee after the fact. If there were vehicle inspections, I fear there will be quite a number of people who carry weapons. This is just my gut feeling and sense of fear based upon the language some employees use in the workplace when venting their anger against another person. I have always tried to use light-hearted humour to make others feel better because I sense the stress they must be under. I realise that I can not change other people's value system but I feel great that I am well-liked by many of my coworkers.

I have no regrets by being laid off or fired from Countrywide Home Loans. One closed door only means that another door will be open and I will be able to obtain work with a more Quality-Oriented Employer that has a nicer work environment with a professional setting.

I fear that Countrywide Home Loans, like The Titanic, may continue to abuse its workforce with mandatory overtime (impromptu overtime) and focus only on numbers by management in order to impress the shareholders or potential business partners and fail to see the tip of the iceberg of employee morale problems and stressed workplace. Like Washington Mutual, Countrywide may have to answer for itself to the Securities and Exchange Commission (SEC) about its business practices but, by then, those in the upper echelons of the Countrywide bureaucracy will have left the sinking ship of Countrywide as it is broken up. The only victims in this hypothetical scenario will be the thousands of low wage workers trying to do their best and, more importantly, the Homeowners and Business Partners. Please remember that I am a former employee of Countrywide and that I have been privy to certain activities and actions and statements and that, although I am not an MBA, I am reaching my own personal conclusions based upon my own personal sentiments I have reached over the past six years with Countrywide. My conversations from several employees in different departments and outside sources from certain business partners of Countrywide have had an impact on my opinions and my opinions may not account for much.

I do want to thank the founder of this website to allow me the opportunity to vent and express my feelings about Countrywide. I have mixed feelings about Countrywide because there are good quality people who work there but there appears to be a management issue where you have people in management who simply do not have any business managing because they are not people-oriented and do not seek to cultivate a quality work environment. I want to say that I am not at all surprised that many Homeowners and former Countrywide Employees have come to this website to vent their feelings. I may not be educated in the law or in business but, like Forrest Gump, I KNOW WHEN WRONG IS WRONG or a business practices or a focus of business is questionable. Perhaps, in quest for the mighty buck, businesses have focused too much on numbers and profits and we have all become nothing more than quantifiable numbers of a certain value.

All people are good people at Countrywide Home Loans, but the recently hired management has no clue to the simplest of tasks and devalues those tasks and makes their workers do more for less and always find fault with others. It is difficult to plan family affairs in certain departments of Countywide Home Loans when, 15 minutes before your time to go home, you are told to stay for overtime for an hour or two. Even on Friday, you may be told before you go home that you have mandatory overtime early Saturday until 12 or 2 or 3pm. There is no room for negotiation for, if you do not comply, you are written up for failing to stay or failing to come to work on Saturday. And remember that there may be some of us employees who may have religious obligations late Friday or early Saturday but that does not matter.

One gets the impression that the reason for mandatory overtime is that it is easier and cheaper to pay overtime than to try to convince good quality people to work for Countrywide. Now I know what certain supervisors meant when they referred to Countrywide Home Loans as a "sweat shop" environment.

Again, thanks for allowing me to provide my impressions of Countrywide. Now I must continue my task of looking a good quality employer who can use my mortgage servicing skills.



Left: February 21, 2006 By: In:

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


Left: February 20, 2006 By: Mr. G In: Fort Worth

I used to work for Countrywide in Simi Valley between May 2004 to about August 2005. I transferred to Fort Worth. In that time, there was a change of manager (read: my manager quit because he was written up by the new VP for not answering the phone after work hours) and we got a new VP who transferred in from Calabasas, where Mr. Jackass Mozilo was located. This VP thought he was hot shit because he was buddies with the big boss. Well, he comes into our office which we were sharing with another person from a completely different department that had nothing to do with ours. (Let's call this employee D.) He tells D to remove certain non business items from his desk, including a picture of D and his wife. D tells the VP "no" simply because he was not his boss. The VP tells D that he will regret telling him no. D hangs up with the VP. A minute later, the VP calls me on the phone bragging to me that D was going to regret telling him no.

Now, Countrywide has a strict policy against unethical behavior and this definitely counts as that. I report the VP for this as does D and a few weeks later, D gets fired, and I get written up. A few months later, they hire two more people in my department to replace me and then I get fired.

I am buying a house soon and I will make sure that Countrywide does not get their hands on my loan. Stay away from this company. They have mismanaged so many loans that it is ridiculous and sad they are still in buisness. There are better companies out there that will not screw you over. Countrywide clearly is not the choice to go with.


Left: February 20, 2006 By: Mr. G In: Fort Worth

I used to work for Countrywide in Simi Valley between May 2004 to about August 2005. I transferred to Fort Worth. In that time, there was a change of manager (read: my manager quit because he was written up by the new VP for not answering the phone after work hours) and we got a new VP who transferred in from Calabasas, where Mr. Jackass Mozilo was located. This VP thought he was hot shit because he was buddies with the big boss. Well, he comes into our office which we were sharing with another person from a completely different department that had nothing to do with ours. (Let's call this employee D.) He tells D to remove certain non business items from his desk, including a picture of D and his wife. D tells the VP "no" simply because he was not his boss. The VP tells D that he will regret telling him no. D hangs up with the VP. A minute later, the VP calls me on the phone bragging to me that D was going to regret telling him no.

Now, Countrywide has a strict policy against unethical behavior and this definitely counts as that. I report the VP for this as does D and a few weeks later, D gets fired, and I get written up. A few months later, they hire two more people in my department to replace me and then I get fired.

I am buying a house soon and I will make sure that Countrywide does not get their hands on my loan. Stay away from this company. They have mismanaged so many loans that it is ridiculous and sad they are still in buisness. There are better companies out there that will not screw you over. Countrywide clearly is not the choice to go with.


Left: February 20, 2006 By: Billy Jo Jim Bob In: Plano

Well where to start? I found this site because I was looking for the class suit against CW for overtime issues.
I worked for FSL - I saw many many things daily!! Managers going to the parking lot (Plano) for BJ's and drugs. Not just smoking some weed - but crack, speed you name it. This was daily and not just one manager but several. I had one mgr who had a CPA letter that he "just altered" as needed for each customers' stated income file.
I made the mistake of taking the employee discount when I purchased my new home - wish that had not happened.
I am not in the industry today. But I know where a good broker could lay their hands on over 66,000 CHL pre-pay customers and ALL their information.


Left: February 20, 2006 By: Billy Jo Jim Bob In: Plano

Well where to start? I found this site because I was looking for the class suit against CW for overtime issues.
I worked for FSL - I saw many many things daily!! Managers going to the parking lot (Plano) for BJ's and drugs. Not just smoking some weed - but crack, speed you name it. This was daily and not just one manager but several. I had one mgr who had a CPA letter that he "just altered" as needed for each customers' stated income file.
I made the mistake of taking the employee discount when I purchased my new home - wish that had not happened.
I am not in the industry today. But I know where a good broker could lay their hands on over 66,000 CHL pre-pay customers and ALL their information.


Left: February 17, 2006 By: Chuckles Jackson In: Dallas

In general, I am seeing a lot of issues about escrows on this site. If you do not want Countrywide to handle your escrows and do not have a FHA or VA loan and have an 80% or less loan-to-value call their customer service number, 1-800-669-6607, and request that taxes and insurance not be escrowed - they have ot honor it. This way, escrows cannot be messed up.
Past stories have included that Countrywide does not pay past employees their bonuses for the previous month if they leave the company. Not legal, even if the employee signs the silly agreement required for employment. This is simply a matter of strong armed tactics, bullying by corporate America, Countrywide. In Texas take it up with the Labor Law Dept at 512-837-9559, download a wage claim form on their site and send it in notarized. For those in other states, you will have to contact the appropriate state agency, file a complaint with your congressman or, least preferred, file a legal claim with an attorney. Any good attorney office will not hesitate to take this on but your yield will be less than other options mentioned because of legal fees.
Thanks, good luck and more to come.



Left: February 15, 2006 By: MJ In: houston

I phone ahead and also printed my payoff balance off their site that was good for 10 days, not I am being charged for addition interest anyway. My payment was cashed days before it was actually due, a copy of this will go to the FTC.
I won't borrow from them again...
mj


Left: February 13, 2006 By: In:

The Federal Trade Commission really needs to investigate Countrywide.
Once they get a hold of Countrywide the Ameriquest Settlement will look
like peanuts.

#1. Call Countrywide to inquire about interest rates.
Go ahead call the 800 # or a retail branch.

Sure they will quote loan interest rates and loan programs
to you all day long.

What they Never do is quote to you the ANNUAL PERCENTAGE RATE
when quoting rates and fees to the customer.
This is in violation of Reg. Z

Their antiquated software *advantedge* does not have the ability
to blend the rate and closing cost into an APR to get
the true cost of obtaining the financing.

Sure a 5 year ARM at 6.25% might sound good to you but when they don’t
disclose that the real APR is 7.12 that is a violation of the law.

FTC you need to really look into Countrywide’s numerous
compliance violations including not sending disclosure packages
to borrowers within the 72 hour time limit.



Left: February 12, 2006 By: spell check, please In: woodland hills, ca

I stumbled across this website the other night. What a hoot!! Tried posting for California, but it won't let me. Former CHL employee here -- it is what it is ... I don't think that Countrywide is any different than any of the other big lenders - ie WAMU and Wells. Having worked at CHL, yes, we have severe customer service issues -- but so do the other lenders. So the grass is always greener. Most of the complaints that I've seen are against Retail/Full Spectrum Loan Officers - Seriously, what do you expect? They work out of CALL CENTERS. Most are young and hungry and are barely high school educated. These are not MBAs, people. Countrywide's biggest mistake has been to disregard their existing human capital-- I'm talking about the employees who have worked for Countrywide for 5+ years (many have been w/ the company for 10+ yrs). These are the people who came up when Angelo was very much active in day to day operations. These are the people who at their core understand that service is all we have. These are the people who tirelessly make it happen everyday, in every department. Now, management is looking to "grow market share" so the mucky-muckys go out and bring in outsiders - who have NO CLUE about the "Countrywide culture". So these mid level managers come in, have no clue, make no valuable impact on anything and then leave with their big fat signing bonuses when their contracts are up.
For all the disgrunted customers - I truly am sorry. It is frustrating. Here is the bank that helped you finance the American Dream and this has been your experience. Don't just blame Countrywide - look around. Look how many mortgage companies go under every year due to misrepresentation, scandal and lawsuits. More importantly, why on God's green earth would you allow yourself to let a telemarketer/mortgage loan officer do your loan??? Go to the bank directly. Know your rights. Ask around. BE AN INFORMED CONSUMER. Make your LO go over the GFE line by line. Make your LO walk you through the loan process - start to finish. ASK QUESTIONS. Usually people who feel "ripped off" somehow didn't read the fine print. ***And for all of you out there -- a "no point, no fee" loan will cost you more in the end: you end up with a higher rate and you can't write off a LO's rebate. Whereas if you bring in funds to pay your closing costs, you can write off the LO's origination fees.


Left: February 08, 2006 By: In:

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

Lazy Countrywide executives even defy their own fundamental behaviors asserted in their own corporate culture statement. Anyone who has worked there knows,
THEY ARE NOT
Open and Honest
Customer Focused
Advocate of Ideas
Continuously Improving
Committed
Adaptable
Visionary
Driver
Professional
Loyal
Solutions Oriented

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

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



Left: February 08, 2006 By: In:

Kenny the spelling nazi


Left: February 07, 2006 By: In:

ohhhh, kenny ! such a noble man.


Left: February 07, 2006 By: In:

Isn't it nice to have a mortgage lender ad on the left side of the screen for all those unfortunate CW suckers. No conflicts there.


Left: February 07, 2006 By: Ken In: Dallas

Though I have never worked for Countrywide I have worked in the mortgage industry, been a customer, and worked for large, Fortune 500 companies before. Each one had a lunatic fringe site, blah-blah-blah-sucks.com. I am sure people have bad experiences with any company, including Countrywide, but the comments posted here are indicative of sour-grapes, ignorance and conspiracy theories. My advice is this: learn to use a spell checker, think about whether you would have the guts to say what you think to a court of law, and develop some decorum.


Left: February 07, 2006 By: In:

BOYCOTT HOME DEPOT!!!
February 3, 2006

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


Left: February 05, 2006 By: In:

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

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

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

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

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

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

*****
It's the just the same old song and dance

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

COUNTRYWIDE IS NOT THE EMPLOYER OF CHOICE.



Left: February 05, 2006 By: In:

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


Left: February 04, 2006 By: In:

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

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

There it is from the horses mouth. Housing bubble means employees get the axe. DISPOSABLE
*PEOPLE ARE OUR GREATEST ASSETS* ALL LIES, LIES, LIES
*********************

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

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

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

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




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: February 03, 2006 By: In:

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


Left: February 03, 2006 By: In:

bobbi - what a great statement, " countrywide can get loans for people who normally can't get one". the house of cards is tilting!


Left: February 01, 2006 By: Bobbie In: Dallas

Countrywide actually made me a homeowner so I think alot of what you get depends on what you read, what your credit is, and how responsible each person is. So to be profane is really mature people.

If you know how to read then read anything and everything before you sign your life away. Countrywide isn't for everyone but really can get people loans who normally would never see a loan happen.

PEACE


Left: January 29, 2006 By: In:

NO ONE CAN LIE LIKE COUNTRYWIDE CAN

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

NEVEVERMIND THAT IT’S A VARIABLE RATE ARM (Prime Rate+) LOAN.

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

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

No one can screw you like Countrywide can.

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



Left: January 28, 2006 By: In:

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


Left: January 28, 2006 By: In:





Left: January 27, 2006 By: In:

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


Left: January 27, 2006 By: In:





Left: January 27, 2006 By: In:

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


Left: January 27, 2006 By: In:

keep on drinking brian hale's kool-aid!!


Left: January 27, 2006 By: In:

yea, right... and many $$ in advertisements did chl have to buy in order to make fortune's little list. wake up, moron!!


Left: January 27, 2006 By: In:

FORTUNE 100 BEST COMPANIES TO WORK FOR - 2006

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

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


Left: January 24, 2006 By: HUD Buster In:

Countrywide continues to have a high rate of personnel turnover. Yet they persist in hiring more and more newbs in Texas.

http://www.bizjournals.com/dallas/stories/2006/01/16/story2.html?from_rss=1
Countrywide buys building in Fort Worth

Countrywide Financial Corp., continuing its expansion tear across the Metroplex, has snapped up a Fort Worth office building to accommodate 1,500 additional jobs.

The purchase by the financial services company comes on the heels of the company's acquisition of a 420,000-square-foot office campus for a 1,500-job expansion in Plano, and a commitment to create 5,000 new jobs at its regional headquarters in Richardson.

THAT'S YOUR RIGHT TO WORK STATE FOR YOU

Human Resources - You are just a commodity.
Countrywide's Mission Statement - Become the #1 lender in retail mortgage banking.

People are not important - they are to be used.

Countrywide - NOT THE EMPLOYER OF CHOICE. STAY AWAY!





Left: January 22, 2006 By: Former Employee In: Anywhere, Texas

I was in love with this company. I honestly was. I gave everything I had to my cowokers and fellow employees. I did EVERYTHING possible to make management proud of me. I voIunteered to do extra tasks and when work was not readily assigned, I created my own work. By all measures of the corporate yardstick, I was a great employee. However, I reported to a manager who was constantly moody and treated people unfairly (especially if there was a chance they were smarter). I attempted to request a transfer to another area and was told it was a no-brainer - they wanted me ASAP. My old boss made a call (I found this out later) and not ONLY did they NOT give me the new opportunity, I was mistreated more significantly by management from then on for "trying to leave". [This is a VERY frequent occurance at Countrywide!]
When I made my decision to leave, it was extremely difficult to leave the people - I saw these people struggling daily to survive being observed on the amount of time they were in the bathroom, whether or not they wore the right clothing, whether or not they had a personal phone call (GOD FORBID!), personal emails or happened to come in to work, back from a break or back from lunch more than 5 minutes late.
It's true - a lot of employees stay there because they are duped into beleiving it's the best thing around. Some stay because it really is the best job they will get. I know some work hard there for little or no appreciation. I feel the UPPER UPPER tier of management would really be sickened by the fact that they have a MANAGER in place who cannot figure out how to use an excel spreadsheet to save his life - he just knew the right people. Or another manager who moved from an AVP to a 1st VP with next to NO qualifications to be where they are in the company. Bringing in a friend to work under you is another trick they use. I personally witnessed someone come in under a manager who had NO experience at a specific job. This person hit the ground trying to take over. The manager even placed this person in charge of "auditing" something that she had no business auditing - no knowledge, no experience, no capabilities. Friendship and networking get you a LONG ways there.
Several months ago, I left the company for a new job. I am currently making almost 20k more a year.

I was contacted at my new job (cell phone) this week by a manager at Countrywide - they want me back - in a BAD way. It's been long enough that I have had a review with my new company and it was extremely positive. Countrywide offered to pay me a little more than I am making now. Funny how a few months away can mean a 21k raise in pay. Amazing how if they had just given me a LITTLE more when I worked there, I might have stayed. When I received the phone call I heard on the other end "You've only been gone XX days? It seems like a YEAR!!!!"

To me it just speaks badly of the compensation "ground rules", the bad middle management and the EXTREMELY secretive "good old girls network" that has a strong hold up there. It's rooted in the belief that if you don't know enough to do YOUR job, you need to hire someone below you who knows LESS. That will always make you look smarter. Unfortunately, sometimes these managers will hire someone who knows more, understands more, desires more and has a better grasp on how to manage people. Consider your career options limited if this ever gets out.

To those people still there - there are precious few managers you can trust. If you feel like you smell a rat, you probably do.

To those customers: Any industry any sales company is going to disapoint you sometimes. I personally tried VERY hard to please the customers at all times. I received countless awards for my ability to handle customer issues. However, I was not EVER recognized financially for my actions. If you worked somewhere and were monitored constantly, lied to by management and told that the amount of time you spent on the phone mattered MORE than whether or not the issue was resolved - well - would you lose your desire to go above and beyond pretty quickly? I feel that the upper upper management and a few select employees DO care very much about you and your mortgage. Office politics, however, can sometimes screw up even the best of intentions. Good luck with your mortgage. Always know that you have the right to escalate ANYTHING to a manager/Team Leader. If THEY want to move ahead, they will make the necessary adjustments to address your concerns.



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 19, 2006 By: T In: Houston

2 months after Countrywide Home Loan bought my mortgage, they kept sending letters saying that I did not have homeowner insurance for my house and threatening me that they will buy insurance for my house at MY OWN EXPENSE. I had to spend time to write them letter that they are VERY NEGLECT, since I bought the homeowner insurance way before we closed the house. I had to tell them not to buy anything FROM MY ESCROW MONEY WITHOUT MY AUTHORIZATION. Besides, it took them several months to correct their statements to show the correct tax entities and insurance information for my house. Then I mailed them 2 tax statements for them to pay on my behalf from the escrow account, they paid only 1 tax bill right away and paid the other one 2 weeks after that. I don't know what kind of company and people in charge overthere.


Left: January 15, 2006 By: In:

Countrywide is not the employer of Choice. Stay Away!
.


Left: January 13, 2006 By: In:

Blue Cheese T-Bone with Sweet Onions



4 (1- 1 14/ lb.) T-bone steaks, 1-1 1/4 inches thick

1/2 t. kosher or other coarse salt



Sweet Onion Topping:

2 large sweet onions, such as Vidalia, Maui, Texas 1015 or Walla Walla

1/4 C. unsalted butter

2 T. vegetable oil

3 T. dry red wine

1/2 t. kosher or other coarse salt

3 oz. blue cheese, crumbled, at room temperature



Sprinkle steaks lightly with salt, cover, and let stand at room temperature about 30 minutes.



Slice onions in half from end to end. Slice each half into 3/4-inch to 1-inch wedges, cutting through the root ends so that the wedges hold together. Melt butter with oil in heavy skillet over medium-low heat. Add onions to skillet and gently turn them over in the butter to coat all sides. Cover skillet and cook 12-15 minutes until crisp-tender, with some brown edges. Uncover and add wine and salt. Raise heat to medium-high and continue cooking until onions color lightly and excess liquid evaporates, frequently scraping up any browned bits from bottom of pan. Keep onions warm.



Prepare grill for a two-level fire capable of cooking first on high heat (1-2 seconds with the hand test) and then on medium heat (4-5 seconds with the hand test). Keeping the more tender sections of the steaks angled away from the hottest part of the fire, grill steaks uncovered over high heat 2 1/2-3 minutes per side. Move steaks to medium heat, turning them again, and continue grilling 2 1/2-3 minutes per side for medium-rare doneness. Steaks should be turned a minimum of three times, more often if juice begins to form on surface. If grilling uncovered, sear both sides of meat first on high heat, uncovered, 2 1/2-3 minutes; finish cooking with cover on over medium heat, 5-6 minutes, turning steaks once midway.



Transfer steaks to plates, scatter blue cheese over each, top with warm onions, and serve hot.





--------------------------------------------------------------------------------


Left: September 02, 2005 By: In:

T-Bone and Sage Mushroom Sauce



1 2 lb. T-Bone steak, about 2 inches thick

2 T. olive oil

1 t. dried rosemary

1 T. cracked fresh black pepper

1 t. sea salt



Rub the steak with the olive oil. Rub in the spices and set aside for 30 minutes.



Preheat grill to high.



Sauce:

1/2 oz. dried mushrooms, any variety

1 1/2 C. boiling water

Soak the mushrooms for 20 - 30 minutes.

2 T. olive oil

2 T. fresh chopped sage

2 shallots chopped

4 oz. fresh shitake mushrooms

4 oz. button mushrooms

1/2 t. salt

1/2 C. heavy cream

1 T. sherry

2 T. fresh chopped parsley



Drain the mushrooms, reserving the liquid. Set the liquid aside. Squeeze mushrooms gently to remove excess water.



Heat the oil in a skillet over medium high heat. Add the shallots and cook for 30 seconds. Add the sage and and all of the mushrooms. Cook about 2 minutes and then add the reserved liquid. Cover and cook for 4 minutes.



Add the cream, salt and pepper. Simmer the sauce until it begins to thicken. Stir in the parsley and serve.



When you begin to make the sauce, throw the steaks on the grill and cook for about 8 minutes on each side for medium rare.



Serve the sauce on the side.



Serves 2 - 3.




Left: January 10, 2006 By: In:

keith - i've worked at both wells ( 9years) and chl ( 5 years). stay at wells.


Left: January 04, 2006 By: Dont be a fool In: Richardson

Countrywide Financial aims to grow organicly not thru other corporate aquisitions. In other words they are not going to merge with another bank or mortgage company. It's cheaper to go out on the market and hire any stooge they can find on the street that can work a mouse. If you take their job be prepared to be monitored for everything you do. Phones, computer, break times etc. If you get unlucky and have a phone job you will not have anytime for loan processing as you are expected to talk on the phone 84%+ of the time. Anyting less and you get walked out the door. That's how they get people to work thru their breaks and lunch without pay so they can keep their job.


Left: January 04, 2006 By: Ass kisser In: Tex

Yes it is if you crave drugs.


Left: January 03, 2006 By: Keith In: Dallas

I work for Wells Fargo and Country Wide keps recruiting me...seems like a good company to me...


Left: December 29, 2005 By: In:

Foti investigating complaints against Calif. mortgage company
12/29/2005, 6:07 p.m. CT
The Associated Press

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

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

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

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

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

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


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


Left: December 23, 2005 By: In:

No wonder you're always broke and living paycheck to paycheck.


Left: December 22, 2005 By: In:

But we love our drugs here at Countrywide.


Left: December 19, 2005 By: In:

Every VP & supervisor should have to submit to a drug test immediately. Start at the top.


Left: December 18, 2005 By: In: TEXAS

They do not require drug tests (they might say they do to weed out the user's) but they dont.
Nor, do they do random drug tests, unless you do something goofy on the job that is going to cost them a ton, then...................they'll test you.



Left: December 18, 2005 By: T In: McKinney, Texas

Instead of name calling and being childish (which if any of you DO have actual mortgage's)
do us all a favor, and just name the facts.
What happend, when it happend, why you think it happend.
This website, if anything is an accurate portrayal of "behind the scene's info" that most consumers dont have. Image if there was a website for each company. hmmmmmmmmmmmmmmmmmm.
Anyway, cut the name calling and stick to the facts :
who, what ,when, where and how/why?

PS- You cant SUE this guy, espicially if what he said about his story is TRUE, AND the people that are reporting on here, if there info is true. Funny, I read more negative things about this company than I do positive. So, in my state of mind, it lead's me to do business elsewhere!


Left: December 18, 2005 By: Jack F. In: Dallas, TX

Countrywide is a great company and I have nothing bad to say about them. In fact, I challenge another lender to duplicate the high level of service I received from Countrywide. Whoever developed this website is a complete moron.


Left: December 18, 2005 By: Chris Greenwell In: Texas

I have had NO problems with Country Wide whatsoever. The Countrywide agent that helped me was perfect, my loan closed on time and I got a GREAT deal from them. Nobody's perfect and certainly, I'm sure Countrywide has made some mistakes... but I wouldn't trade my experience with Countrywide for any other broker. Their website is great and I am VERY happy with Countrywide!


Left: December 17, 2005 By: Angela In: Colorado Springs, CO

We have had our escrow raised for no reason. They raised it AND doubled our tax payments on our statement. They also raised our insurance premium. Somehow, our payment is $20/month over both our original paperwork and their totals, for example: our taxes and insurance equal $1840, divide that by 12 months and it should be $153/mth - however our escrow payment is $168/mth. Our loan has been owned by two other mortgage companies, and there has never been such a discrepency.

Secondly, they round-up on each of these payments - for example: our insurance premium is $895.89/yr, they are charging $896.00. Our taxes are $943.45/yr, they are charging 944.04/yr. This is a total of $8.40/yr. Now, most people wouldn't worry about $8/yr - right? But, let's say they have one-million loans and round-up on all the escrow payments - that's $8 million/yr in overcharges!!!!

Add that to the $15 dollars they are charging each month from the first paragraph - $188 million every year in overchages!!!!!

I know we are not the only loan they are overcharging from reading other comments on this site...

Anyone???


Left: December 13, 2005 By: In:

sue - good


Left: December 11, 2005 By: SUE In: RICHARDSON

MY HUSBAND AND I HAVE BEEN RESEARCHING HOME LOAN COMPANIES, AND COUNTRYWIDE WAS OUR NUMBER 1 CHOICE. IN THE BUSINESS SECTION OF THE NEWSPAPER AND IN MAGAZINES ARTICLES, THEY ARE ALWAYS RATED AS A TOP COMPANY. BUT SINCE WE HAVE READ HOW MANY PROBLEMS PEOPLE HAVE HAD WITH THEM, WE HAVE MARKED THEM OFF OUR LIST. I WOULD THINK THE COMPANY WOULD WANT TO DO SOMETHING ABOUT A WEBSITE LIKE THIS THAT HAS TO BE COSTING THEM CUSTOMERS.


Left: December 09, 2005 By: ed In: salt lake

it is obvious that kris is clueless when she says "CHL has 60% of the market". dear naive one, try reading a professional magazine such as mortgage bankers magazine, mortgage originator, etc. and you will see that chl has less then 10% market share. even your own comapny's propaganda magazine states that CHL's goal is to capture 15% within the next 5 years. your comments are useless and meaningless when it shows that you have ZERO knowledge of the mortgage banking business. wake up!


Left: December 09, 2005 By: Kris In: Las Vegas

I fell in to this web site by accident and I am shocked at how mean some you can be. I work for CW in Las Vegas, and I am moving back to Texas next month. I guess ya'll have no room for error when doing business with human beings. I work as a processor for a CW Joint Venture w/KB homes and I admit that we make mistakes. You have to be patient with us, just like we have to patient with you, our buyer, and your problems. I understand that situations arise, but instead of getting angry and beating up an entire company, try working with your Loan Counselor, or processor and correcting the error. Countrywide is a good solid Corporation. They wouldn't be as big as they are with 60% of the market, if they were out screwing people out of their money. I would bet for those of you that had problems that your issues have since been resolved, and most likely haven't had any problems since.


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 02, 2005 By: In:

phillip...get a full survey to support your arguement...then hit 'em where it hurts.


Left: December 01, 2005 By: Phillip Crews In: Texarkana

Countrywide bought my original loan from Bank One about six months ago. They recently sent me a letter stating that I was in flood Zone A or V of the FEMA map. I obtained a copy of the FEMA map and reaffirmed that I was in zone X not A or V. Thjey are charging me $803.00 for flood insurance even though the county flood plain administrator has sent them an official document which states I am not in the floodplain. I will be initiating a lawsuit against these weasels shortly. I wonder how many people have rolled over and been cheated out of their hard earnrd money by these lying, cheating weasels.


Left: November 24, 2005 By: In:

complain to the office of the president (oop). i do not have the number so you will need to phone countrywide corporate to get the number. onthe first levels of phone calls they will do everything in their power to not give you the the oop's number.....but push on until you get. when you do get the phone number of the oop have your facts/names/dates together. be precise and do not get emotional with " he says, she says". i guarantee you WILL get results very quickly. good luck.


Left: November 19, 2005 By: Tanya In: Houston

I have a loan with Countrywide. Even with my excellent credit, the process was very aggravating. When I went to closing, the interest rate that I was given over the phone was not the same on my paperwork. Then, I found out that my closing cost was supposed to be much cheaper than it was and i was promised a refund of my appraisal fee which I never received. Also, they prmosed me a check for a certain amount if I were to close with them because I was threatening to go somewhere else. I closed with them because I had gone through so much and i didn't want to go through the loan process again. I just wanted it to be over with. I never received that check after i closed. They lied to me over and over and over again.


Left: November 19, 2005 By: In:

"top producer" at chl....boy that means alot. you an idiot...get your head out of the sand, faggot.


Left: November 11, 2005 By: TOP PRODUCER In:

Because I'm not that bright. I'm a bit slow if you get what I mean.


Left: November 08, 2005 By: In: Kennedale

Hey "Top Producer", if you are SO convinced that CWL is a great company then why didn't you disclose your name, title, etc.??

Big freakin' deal if you use the titel "Top Producer" for this company. Can you still sleep at night knowing how many people you/they have screwed over?


Left: November 04, 2005 By: In:

Hey "Top Producer"_

How are the drugs at CW these days?? Good?

God won't bless COMMIES like you anyway...so move on and keep on surfing your gay porn!! You are pitiful!!



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: November 02, 2005 By: Chad In: Frisco

Judy in Mesa: Are you that stupid to think that anyone or any company should have any sympathy for you because you went through a divorce? I hear it all the time....Guess what? I went through it too and my credit score is still 805. Don't give me that crap. I have had my loan through Countrywide for years and I have never had a problem. Chapter 11 or 7 isnot a cure all. YOU are responsible..not the renter!!


Left: November 01, 2005 By: Lisa Anderson In: North Richland Hills

I made an offer on a home (seller's loan was with Countrywide) My agent faxed the contract to the company and received an approval from one of the managers. One week before the closing was scheduled (movers were scheduled on both ends also), the closing manager at Countrywide decided that because it was an FHA loan they would just rather foreclose on the property than sell it. They didn't want to hassle with the little bit of extra paperwork it required for government assisted loans!! Instead they chose to lose a ton of money by foreclosing on the property and letting it sit on the market for who knows how long. Both the seller and I were shocked and scrambling to find living arrangements! That was my 5th home and I've never heard so many complaints and seen so much disorganization in one company!


Left: October 27, 2005 By: In:

Countrywide Managers suck. They are rude to their employees. Customers please forgive the employees if you could only see how they are treated. They are talked down to if even talked to at all. Countrywide managers are not even in the class of managers they are bullys. Read the articles on bully managers. Countrywide should spend a little more effort in training these idiots and they might have better employees and better customer service results.


Left: October 26, 2005 By: Noneya In: Dallas

Of course they do not drug test. You have to be or soon will be on drugs if you work for Country wides Full Spectrum. I know that if they did drug test more than 90% of the poor bastards that work there will be terminated. It is one the only major company's that do not drug test. To all you crack users, pot heads, meth junkies if you need a job to feed your habit Countrywide is the company for you.


Left: October 25, 2005 By: In:

CW does not drug test, and what's more they will hire someone with 2 felony drug pinches but not someone with a misdemenor assult conviction. For reference see George Nikolau, branch manager Countrywide's Full Spectrum Lending Division branch 894 in Rolling Meadows, Illinois (twice convicted for possesion with intent to distribute and cocain trafficking).


Left: October 21, 2005 By: In:

Yes you are right. I live in a small run down shack on the edge of town. Why do you ask? Your mamma likes it here. She comes every Wednesday. She likes it.


Left: October 13, 2005 By: Ashley In: Frisco

My mother is an asset 2 manager...which is a little more higher than an asset 1 manager...if ya didnt know...the only reason they treated you like that...well, if they even did is b/c you probably live in some backwoods part of town...in some white trash house...and you were probably an ass to some of them...

do you know what slander is? Hope you know you can get sued for slander...


but you probably don't care...


Left: October 12, 2005 By: In:

If I am on drugs will CW still hire me? Anyone? Do they have drug testing?


Left: October 09, 2005 By: C. Johnson In: Waco

I am soooo glad I found this website. My husband and I were thinking about refinancing our home and were considering Countrywide home loans. We WILL NOT be looking there for refinancing our home!!!


Left: October 08, 2005 By: In:

i transferred from plano to fort worth. that place is hell so I quit!!!!

I'd take a break in the employee smoking area, and oh my god!!!!! such horror stories you hear!!! employees looking like zombies. it was awful! Overworked and underpaid, harassed by borrowers and managers. such pitiful conditions!! they get balloons everyday, though. do they really honestly think we are still kids who can be consoled with balloons? what an insult to our intelligence!

ANGELO, WHERE ARE YOU? SAVE THE LITTLE PEOPLE WHO DON'T KISS YOUR ASS AND WORK HONESTLY FOR YOU.






Left: October 07, 2005 By: FREED SLAVE OF THE ASYLUM In: FORT WORTH

FSL N. Beach is an Asylum full of boys, not managers. They kiss their boss you know what, make up stories, destroy reputation, violate laws, strictly adhere to favoritism, make their own policies as they see fit at the moment, then change it back when they are done with it. Why do you think no one stays more than a year? Look at the whole Funding Dept, who hurriedly left for Plano? Only the true cuckoos survive there because they become one with them. The Philosophy is: Managers are always right; Processor's should eat before AE's when title companies bring food (A Violation!); AE'S are Always WRONG, WRONG WRONG. If you complain, you're NEGATIVE and Written Up. You go to HR, come back and you get fired but guess what? it's better than staying there swallowing their venom.
The leaders from top to bottom are all lackeys,
cuckle doodle doo boys shouting rah rahs even as they are so stressed themselves. Here's my good bye promise to all you insane automatons: I WILL CONTINUE TO EXPOSE YOU UNTIL AN AGENCY OF THE GOVT WILL COME TO CHECK THE COMPUTER TRAIL OF TRANSACTIONS AND SEE HOW YOU MANIPULATE AND HIDE THE VIOLATIONS! I PROMISE TO BRING DOUGHNUTS/FRESH FRUITS EVERY FRIDAY MORNING WHILE YOU'RE IN PRISON.


Left: October 07, 2005 By: THE SURFER In: ROSEMEAD

TO MS. HAPPY TO BE AN EX

I WORK FOR A DIFFERENT NSC AND MY MANAGERS FOLLOW ETHICS GUIDELINES.

IS IT TRUE, FROM RUMORS I'VE BEEN HEARING THAT YOUR CENTER IS INFESTED BY "BENEFICIAL/HOUSEHOLD FINANCE" MANAGERS, WHO GAVE KEY POSITIONS TO THEIR OWN PEOPLE, AND THAT THEY HAD BEEN CORRUPTING THE "COUNTRYWIDE WAYS"? YOU ARE JUST PROBABLY IN THE WRONG PLACE.

I ALSO HEARD THAT THE BIG GUY "A", WHO HIRED THEM IS NO LONGER WITH THE COMPANY? I HEARD HE WAS FIRED.

I WONDER IF MOZILO KNOWS ABOUT THAT.

YOU WANT TO COME OUT TO MY CALL CENTER?

FROM: SURFING IN CALIFORNIA



Left: October 07, 2005 By: happy to be an ex In: fort worth

I am a ex-employee of countrywide and I am telling all out there do not take a job or get a loan at the Sub-prime division of Countrywide. If you are 19 and stupid they will hire you. They do not do a drug test to hire you like most fortune 500 companies. That should tell you something. You will last 1 year and either you will quit or be fired. The system they use called Clues is clueless. This is their own sorry system that is still DOS based. They say that they underwrite using fannie mae and freddie mac guide lines, but what they don't tell you is that there own guidelines are added in. You wonder why they ask for so much documentation on a refinance even on a loan that they own already. Don't wonder they don't know either. I am a seasoned loan officer that made the mistake of going to that company. They do not like seasoned loan officers because we ask questions and question their ethics and compliance. Once you do that you are black listed and mysteriously your loans began not to close. They will cancel your loans and then give them to other AE's so that they can make the commission.You will be written up for anything they can think of. Once that happens you can forget it you will be fired in less than 30 days. That is the system. They don't care about customer service and the routinely backdate documents. They treat loan officers like second class citizens. They don't want professionals they want order takers. They are not Loan Officers they are order takers that cannot even send out their own goodfaith estimates. They will change your interest rate and fees without redisclosing to the customer.Many times the Loan officer is not aware of the changes until they get a call from a upset borrower. They will send loans to title companies that I think is giving them some sort of kick back because the title fees are so riduculous. And if you question it and try to get the customer to choose another less expensive title company you are repremanded and told that a loan officer cannot talk to title companies. That is the most crazy thing I have ever heard.

They hire managers who have no true mortgage background to manage. Because they want to teach them the "Countrywide way" of doing things.(Mostly Unethical) Those managers hire and promote their unethical friends. They can make sure that these type of people are successful by giving priority to their loans. I feel that they harass their customers by calling them everyday sometimes loan officers are leaving 5-10 messages a day to the same customer. They don't want to but they are constantly being scrutinized by management if they don't. Loan officers will have their leads taken away if they don't make the harassing calls. I have had customers to beg Countrywide to stop calling them everyday. If you are ethical and honest and follow the laws you will not last at Countrywide's Full Spectrum Division.


Left: October 07, 2005 By: ME In: UNDISCLOSED

TO ALL EX AND CURRENT EMPLOYEES

IF YOU HAD BEEN ADVISED BY YOUR PRIMARY CARE PHYSICIAN TO UNDERGO PSYCHOHEALTH EVALUATION, AND YOU ARE CURRENTLY TAKING "XANEX" AND BLOOD PRESSURE MEDICATION, JUST GET OUT!!!!!

TO ALL COUNTRYWIDE CUSTOMERS WHO FEEL VIOLATED, FORGIVE US! WE HAVE JOBS TO PROTECT. WE TRY VERY HARD TO HELP BUT THE SYSTEM FAILS US EVERY NOW AND THEN. A LOT OF EMPLOYEES GET FIRED HERE FOR DOING THE RIGHT THING!

I TRIED TO HELP A CUSTOMER GET OUT FOR FORECLOSURE. I ADVISED HER TO GO TO THE RIGHT CHANNELS SO WE WE CAN STALL THE FORECLOSURE AND GET HER LOAN APPROVED BEFORE THE FORECLOSURE IS RECORDED. EVERYDAY, THIS BORROWER CALLED ME; HYSTERICAL AND CRYING. NO ONE IN CUSTOMER SERVICE OR WORKOUT DEPARTMENT RETURNED HER CALLS. I ADVISED HER TO TAKE OFF FROM WORK, AND CALL ALL DAY LONG UNTIL SHE FINDS SOMEONE TO HELP HER. NOTHING. I GOT INVOLVED. I SENT E-MAIL AND MADE PHONE CALLS. IT TOOK THREE DAYS FOR SOMEONE TO RESPOND TO ME. I GOT THE BORROWER OUT OF FORECLOSURE. SHE CALLED ME "AN ANGEL SENT FROM HEAVEN".

I AM STILL CURRENTLY EMPLOYED WITH COUNTRYWIDE, AND QUESTIONING MYSELF WHY, AND HOW MUCH LONGER I CAN STAND THE EMOTIONAL TORTURE THEY SUBJECT THEIR EMPLOYEES TO.

I HOPE HUMAN RESOURCES AND ETHICS HOTLINE SEE THIS POSTING SO THEY CAN HELP PEOPLE LIKE US TO MAKE A DIFFERENCE. I TRIED THAT ROUTE TWICE ALREADY. GUESS WHAT I GOT? A 30-DAY PROBATIONARY PERIOD. I'LL MOVE ON BEFORE THEY WALK ME OUT OF THE BUILDING. AS AN EMPLOYEE "AT WILL" THEY CAN FIRE ME BECAUSE THEY HATE THE "BLUE DRESS" I'M WEARING.



Left: October 06, 2005 By: In:

Every large corporation is going to have associates who are sub-par. It's a nature of the beast. Ever try to deal with SBC? 90% of their employees are completely lost. How about Comcast or Time Warner? Same thing. God forbid you have to talk to a utility company. I think they train their CSR's to screw around with you. Does countrywide have problems? Of course they do. Can they train their people better? Of course they can. Remember this, you are dealing with sales people. They are paid based on sales performance. They get paid based on the size of the loan and how many they do. If you think they don't want to get your loan done you are way off base. They want to close 1000 loans a month if they can. The more you close the more you make. It's that simple. If they are having a problem closing your loan there is a reason. Countrywide has a loan program called fast and easy. Simply put, they only need to verify your job and the value of your home. That's it. Believe me, they (and every broker who uses countrywide) want to fit every consumer into this loan. It is just what it is called. Fast and Easy. I know this because I was a broker and used this program for every borrower I could. Simply because it allowed me to close more loans.


Left: September 29, 2005 By: In:

I reckon, I reckon you wouldnt mind tellin us all fellers who that there Roy is.


Left: September 29, 2005 By: In:

This site is hilarious. Thanks Roy.


Left: September 23, 2005 By: In:

comebackguy-
You are right. If there was a site for every major lender you would have the same amount of complaints. I do however from my experiences with CW know that there associate are at times poorly trained.
You know if you're afraid of your payment getting lost in the mail you could pay on-line.


Left: September 23, 2005 By: ComeBackKid In: Austin, TX

I recently initatiated a refinancing with Countrywide here in Texas. I have to tell you, after reading your website, I was shaking in my boots as I was fearful of getting ripped off by Countrywide. I was especially concerned about Countrywide playing games with me because I had what is known as a "Come Back Loan" ... which is for people with less than perfect credit. The idea is that they start you out on a loan at a rate that is a bit higher than someone with perfect credit would receive. Once you achieve 12 on time monthly payments, they reduce your rate by 3/8% and they do so every year for 4 years! The caveat is that if you miss even a single payment, you are totally screwed because then you have breached your contract and the deal is off and you are locked into a high interest rate. That being said, this is MY experience with Countrywide. It was AWESOME. My loan agent was incredibe, they delivered on everything they said they would. My loan closed on time and I have an interest rate that I can deal with. With respect to my fears of having payments lost in the mail and erroneously missing a payment and thus breaching my contract.... it won't happen because Countrywide has an online program where I can check my balances, make payments and even shop for other Countrywide products. By the way, the fees Countrywide charged me were appropriate for my credit score.... they are taking a risk with me and they deserve to get paid. Quite frankly, I am VERY HAPPY with Countrywide and I have a sneaky suspicion that the posters on this site aren't telling the whole story. There is NO reason to miss a mortgage payment and if you did and are whining about it on this site, take responsibility for your lack of financial planning and stop blaiming Countrywide!


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 12, 2005 By: In:


Well here is your answer. Hope this helps.
Heat is produced in a nuclear reactor when neutrons strike Uranium atoms causing them to fission in a continuous chain reaction. Control elements, which are made of materials that absorb neutrons, are placed among the fuel assemblies. When the control elements, or control rods as they are often called, are pulled out of the core, more neutrons are available and the chain reaction speeds up, producing more heat. When they are inserted into the core, more neutrons are absorbed, and the chain reaction slows or stops, reducing the heat.
Most commercial nuclear reactors use ordinary water to remove the heat created by the fission process. These are called light water reactors. The water also serves to slow down, or "moderate" the neutrons. In this type of reactor, the chain reaction will not occur without the water to serve as a moderator. In the United States, two different light-water reactor designs are currently in use, the Pressurized Water Reactor (PWR) and the Boiling Water Reactor (BWR).



Left: September 08, 2005 By: Nunya Bizniss In: Houston

You are all pathetic. Lets all sit around and read stories that make each other feel better.............every story, even the doosh that created this site, are pointless. You were late on your payment and then got mad when they threatened you. As for everyone else, that is what happens when you take out a loan to finance a trailer. Get it together and stop wasting time on this homos site. Losers


Left: September 07, 2005 By: Jennifer Lisbony In: Houston TX

Location: Hwy 6 and Westheimer, Houston TX
This is an accounting of our situation, beginning the day before closing - Tues, Sept. 30 2005

Last Tuesday- We woke up early, and went to beltway and 288 to pick up the moving van, and came back to the apt. and loaded up some furniture. all that day, no one could give me a total of how much to bring to closing- my realtor instructed me to take out the cashiers check in anticipation of Wed morning ( closing at 9:30 am), and if it was not enough, the title company could accept a personal check for the difference.

So we leave to get the cashiers check from the bank. About 3:30 we get back again, and I recd an email from the loan processor saying they cannot do the loan because the house had been moved in the last 10 years. My realtor later informed me that specifically it had been moved around the property limits before coming to rest where it is now. My guess is that since it had been moved, they could not consider it a stationary home. We are pretty sure this is a Countrywide Home Loans rule, confirmed by the broker, Saad, after the fact.

Which really made me upset me because from the beginning, the rules, as explained to us were, the home had to be tied down, have the hitch removed, and be skirted. NO ONE ever mentioned to us about the house being moved requirement. If that was the case, we could have asked the seller about it, and overcome the situation on the 12th, or 19th, or at the very latest the 26th. NOT the day before closing.

Since I had already scheduled the utilities transfer, I had to call and get the transfers delayed. I was able to catch the phone co. in time, but the light company said it was too late, and we would lose service at the apt. on Thur/Friday, and the lights were going into our name at the new place on Thur. I called my realtor immediately so she could inform the seller of this information, and to cool it on the electricity use during the week. That got him mad, because the light company did this transfer without notifying him.


So- Wed morning, we wake up at 7:30 am, to unload the truck, return it back to the realty office ( I put $20 in that truck, and did not even get to use it) then we stopped by the bank to return the cashiers check.. that was really embarrassing, and I had to explain the situation as best as I could on that day.






Sunday morning- we woke up at about 11 am with no electricity. I was really pissed then. Thankfully we still had the phone service.

I knew what had happened, but was disappointed the lights were turned off completely. I called the apt complex, and they said they could not do anything about it. I called Reliant was told the soonest they could get our lights turned back on would be Thursday the 8th due to Monday being a holiday- and I explained to the guy that the lights went out that morning, Sunday, on a weekend- and if they can turn the lights OFF on a weekend, they should be able to turn them ON again, to no avail. And no help.



We are ok for the most part, everything is still packed up, still ready to go. The seller is willing to work through the situation with use, and is not putting the house back on the market.



Worse case scenario, we move into a new apartment with cheaper rent.





I am still really not sure how we went from closing on a home in a day’s time, to living in our apartment with no electricity.






Left: September 01, 2005 By: In:

I think so.


Left: August 31, 2005 By: In:

Alright then. But you do live in the US right?


Left: August 31, 2005 By: In:

I don't live in Texas.


Left: August 31, 2005 By: In:

You live in Texas and don't know who W is?


Left: August 31, 2005 By: In:

Who is "W"?


Left: August 30, 2005 By: In:

Probably a good idea to back off of ole' W.


Left: August 30, 2005 By: In:

Wow...this is getting good now!


Left: August 30, 2005 By: In:

Rump pals?


Left: August 24, 2005 By: In:

Bed Buddies?


Left: August 23, 2005 By: In:

Roland Arnaud and our prez are good buddies.


Left: August 23, 2005 By: Kate In: Austin

I think Ameriquest is run by a bunch of commies!


Left: August 23, 2005 By: In:

Yes, Ameriquest DOES suck! CHL has nothing on the most litigated mortgage company in the WORLD! I cringe when I see Ameriquest sponsoring professional sporting events and the Rolling Stones. It just goes to show you that money is all that matters in this country, hell, the world. Roland Arnaud, the owner of Ameriquest makes Angelo Mazilo look like a saint. And foreclosures, forget about it! Ameriquest leads the nation in forced sales and foreclosures as well as TRAINING their AE's to forge signatures and doctor income documents. Notice there isn't an "Ameriquest Mortgage Sucks" website? Every time someone starts one AMC sues to have it shut down. At least CHL lets people say what the want to say without crushing sites like this one.


Left: August 22, 2005 By: In:

AMERIQUEST SUCKS!!!


Left: August 22, 2005 By: In:

AMERIQUEST SUCKS!!!


Left: August 22, 2005 By: In:

AMERIQUEST SUCKS!!!


Left: August 22, 2005 By: In:

AMERIQUEST SUCKS!!!


Left: August 22, 2005 By: In:

AMERIQUEST SUCKS!!!


Left: August 22, 2005 By: In:

AMERIQUEST SUCKS!!!


Left: August 20, 2005 By: Confidential In: Dallas, TX

I have been a temp employee at Countrywide's Plano offices for about six months. I was assigned to be a "credit research specialist" in CHL's Landsafe Credit. At first I thought this was a pretty good job. But as time has gone by I wish I had not taken this position! Of the 20 new temps who started in Landsafe Credit when I did, only 4 of us are left. The rest either quit or got fired. Numbers, numbers, numbers - that is the name of the game in Landsafe Credit. I think employers have a right to expect certain production levels from employees. But at Countrywide/Landsafe, they seem to have little regard for anything else. There is little sense of integrity when it comes to whether the borrowers' credit files are updated correctly. It is frustrating enough to try to get updates on borrowers' accounts due to privacy regulations. We only are allowed a short period of time to update credit report information, contact the borrowers for conference calls, and complete files before the deadlines on them. Often borrowers cannot be reached during the desired time frame. Then they will call us back for conference calls after the file expiration time. These "post expiration" conference calls do not count in an employee's expected production totals - serving to set you back. The borrower has no understanding of what is going on and they often ask why we insist on completing the information in such a hurry. One gentleman told me on the phone recently that he and his wife were only shopping around for a mortgage. When they inquired with Countrywide - CHL suddenly started trying to push a loan through, wanting credit updates and ordering appraisals and such without their consent. This gentleman was quite dismayed. Credit verifiers in Landsafe credit are encourgaged (in so many words) to try to squeeze whatever information they can get out of creditors when the borrower is unavailable for conferencing. "When you call a creditor, maybe you'll get someone new who doesn't know they're not supposed to give out the information," they often tell us. Yet if a creditor requests information from us when we call them, we are not supposed to give it out. I personally consider this hypocrisy, and crediotrs sometimes point this out to us. What ever you do, you must not still be working on a file when it reaches expiration time. When that does happen, it is like an alarm goes off and management has a conniption, acting as though it is the end of the world. Then such a file goes into what they call the "exception rate", causing managment to panic if it rises above 1%. "Team, this week your carryover has significantly increased and therefore our exceptions are in danger of increasing," barked a head Landsafe official in a group email memo. "She (your team leader) has direct support from me to do whatever she needs to eliminate the above negative trend...I've also asked your team leader to send me the production numbers and if you are not producing at the minimum expectations, then expect to explain to me why that is not occurring." It came about that this team leader observed I am a hard and dedicated worker, and she told me so. She recommended me for full time employment. I went thru the application process. But too much time passed and I heard nothing more. Some of the full timers say the process should have been completed by now. I think I know the reason my hiring seems to have been put on hold - I'm not meeting their quotas well enough. I think employees who do achieve the numbers they desire cheat on verifying the information. I have strong reason to suspect this but cannot prove it. It is very easy to cheat using context clues in the information we are given to go by. There is simply such great pressure to push these files through. No wonder that due to the push for numbers, some employees have gotten fired for pretending to be the borrower when calling creditors. No, they should not have done that, but think how hard it is when you need to keep your job and you are under pressure. "We lost a major creditor because of this," a supervisor annouced awhile back in regard to someone pretending to be a borrower. I am a person of integrity. It is important to me that things are done correctly. I realize I must look for another job. I live in daily fear of being let go anyway because my supervisors are always telling me that I need to get my numbers up, and I have honestly tried to get them up but can't seem to do this. I am not saying everything CHL or Landsafe does is bad - I just can't deal with their lack of integrity, and I am tired of trying to pump information out of creditors who aren't supposed to give it out. This numbers thing seems to be all about enabling Landsafe bigshots to brag about how many credit files have been released. I am disturbed by the fact that a number of employees from the Rosemead office call center sued CHL in 2003 for being denied overtime. You can be sure they won't deny overtime now, but I see the same sort of philosophy that led to that event at work in Landsafe. Comments? E-mail me at badlandsafe@yahoo.com


Left: August 20, 2005 By: C. Haynes In: Plano Texas

I am a former Countrywide Manager at the Plano Central Processing location, which is Countrywide's second largest facilty. I only lasted 10 months and 12 days. I have over 19 years in the Mortgage industry, 12 of which has been in managment and was not prepared for what I found. I can not even begin to describe to you the injustices I witnessed and the illegal, immoral and vindictive directives that were given out by senior mangagement. We were carefully scripted on how to "document" any actions to avoid litigation. As managers we were told what to say and what to write when an investigation was underway. They were not intersted in finding winnning solutions for both the company and employees. I was told on more than one occasion that my problem was that I cared about the people. I witnessed racism, sexism and harrassment and also watched retaliation for reporting such acts. Any manager that survived to the two year mark became engrained in these practices. I have many good friends who over the years "did their time" at Countrywide. We liken it to a tour in Vietnam. Today I own my own recruiting company specializing in the mortgage industry. It is a common thought throughout the industry that if a person has worked for Coutrywide for longer than 2 years they do not have enough scrupils to be a productive, honest, self respecting employee.


Left: August 19, 2005 By: DP In: WOODLANDS, TEXAS

AMERIQUEST IS THE BIGGEST MORTGAGE CO. IN THE UNITED STATES - WE CAN CLOSE YOUR LOAN WITH IN A 5-12 DAYS DEPENDING ON WHAT TYPE OF LOAN YOU QUALIFY FOR. BROKERS TAKE 30-45 DAYS AND STILL CANT GIVE YOU ACCURATE FIGURES, SIMPLY BECAUSE THEY DO NOT HAVE THE RESOURCES, NOT TO MENTION THE CUSTOMER SERVICE WE OFFER. BROKERS ARE HERE ONE DAY AND GONE THE NEXT. WE ARE LONG TERM LIKE YOUR MORTGAGES. WE ARE SO CONFIDENT WE PAY FOR YOUR APPRASIAL UPFRONT AND OBLIGATE YOU TO NOTHING.


Left: August 19, 2005 By: DP In: WOODLANDS, TEXAS

AMERIQUEST IS THE BIGGEST MORTGAGE CO. IN THE UNITED STATES - WE CAN CLOSE YOUR LOAN WITH IN A 5-12 DAYS DEPENDING ON WHAT TYPE OF LOAN YOU QUALIFY FOR. BROKERS TAKE 30-45 DAYS AND STILL CANT GIVE YOU ACCURATE FIGURES, SIMPLY BECAUSE THEY DO NOT HAVE THE RESOURCES, NOT TO MENTION THE CUSTOMER SERVICE WE OFFER. BROKERS ARE HERE ONE DAY AND GONE THE NEXT. WE ARE LONG TERM LIKE YOUR MORTGAGES. WE ARE SO CONFIDENT WE PAY FOR YOUR APPRASIAL UPFRONT AND OBLIGATE YOU TO NOTHING.


Left: August 19, 2005 By: DP In: WOODLANDS, TEXAS

AMERIQUEST IS THE BIGGEST MORTGAGE CO. IN THE UNITED STATES - WE CAN CLOSE YOUR LOAN WITH IN A 5-12 DAYS DEPENDING ON WHAT TYPE OF LOAN YOU QUALIFY FOR. BROKERS TAKE 30-45 DAYS AND STILL CANT GIVE YOU ACCURATE FIGURES, SIMPLY BECAUSE THEY DO NOT HAVE THE RESOURCES, NOT TO MENTION THE CUSTOMER SERVICE WE OFFER. BROKERS ARE HERE ONE DAY AND GONE THE NEXT. WE ARE LONG TERM LIKE YOUR MORTGAGES. WE ARE SO CONFIDENT WE PAY FOR YOUR APPRASIAL UPFRONT AND OBLIGATE YOU TO NOTHING.


Left: August 19, 2005 By: DP In: WOODLANDS, TEXAS

AMERIQUEST IS THE BIGGEST MORTGAGE CO. IN THE UNITED STATES - WE CAN CLOSE YOUR LOAN WITH IN A 5-12 DAYS DEPENDING ON WHAT TYPE OF LOAN YOU QUALIFY FOR. BROKERS TAKE 30-45 DAYS AND STILL CANT GIVE YOU ACCURATE FIGURES, SIMPLY BECAUSE THEY DO NOT HAVE THE RESOURCES, NOT TO MENTION THE CUSTOMER SERVICE WE OFFER. BROKERS ARE HERE ONE DAY AND GONE THE NEXT. WE ARE LONG TERM LIKE YOUR MORTGAGES. WE ARE SO CONFIDENT WE PAY FOR YOUR APPRASIAL UPFRONT AND OBLIGATE YOU TO NOTHING.


Left: August 19, 2005 By: DP In: WOODLANDS, TEXAS

AMERIQUEST IS THE BIGGEST MORTGAGE CO. IN THE UNITED STATES - WE CAN CLOSE YOUR LOAN WITH IN A 5-12 DAYS DEPENDING ON WHAT TYPE OF LOAN YOU QUALIFY FOR. BROKERS TAKE 30-45 DAYS AND STILL CANT GIVE YOU ACCURATE FIGURES, SIMPLY BECAUSE THEY DO NOT HAVE THE RESOURCES, NOT TO MENTION THE CUSTOMER SERVICE WE OFFER. BROKERS ARE HERE ONE DAY AND GONE THE NEXT. WE ARE LONG TERM LIKE YOUR MORTGAGES. WE ARE SO CONFIDENT WE PAY FOR YOUR APPRASIAL UPFRONT AND OBLIGATE YOU TO NOTHING.


Left: August 19, 2005 By: DP In: WOODLANDS, TEXAS

AMERIQUEST IS THE BIGGEST MORTGAGE CO. IN THE UNITED STATES - WE CAN CLOSE YOUR LOAN WITH IN A 5-12 DAYS DEPENDING ON WHAT TYPE OF LOAN YOU QUALIFY FOR. BROKERS TAKE 30-45 DAYS AND STILL CANT GIVE YOU ACCURATE FIGURES, SIMPLY BECAUSE THEY DO NOT HAVE THE RESOURCES, NOT TO MENTION THE CUSTOMER SERVICE WE OFFER. BROKERS ARE HERE ONE DAY AND GONE THE NEXT. WE ARE LONG TERM LIKE YOUR MORTGAGES. WE ARE SO CONFIDENT WE PAY FOR YOUR APPRASIAL UPFRONT AND OBLIGATE YOU TO NOTHING.


Left: August 19, 2005 By: DP In: WOODLANDS, TEXAS

AMERIQUEST IS THE BIGGEST MORTGAGE CO. IN THE UNITED STATES - WE CAN CLOSE YOUR LOAN WITH IN A 5-12 DAYS DEPENDING ON WHAT TYPE OF LOAN YOU QUALIFY FOR. BROKERS TAKE 30-45 DAYS AND STILL CANT GIVE YOU ACCURATE FIGURES, SIMPLY BECAUSE THEY DO NOT HAVE THE RESOURCES, NOT TO MENTION THE CUSTOMER SERVICE WE OFFER. BROKERS ARE HERE ONE DAY AND GONE THE NEXT. WE ARE LONG TERM LIKE YOUR MORTGAGES. WE ARE SO CONFIDENT WE PAY FOR YOUR APPRASIAL UPFRONT AND OBLIGATE YOU TO NOTHING.


Left: August 19, 2005 By: DP In: WOODLANDS, TEXAS

AMERIQUEST IS THE BIGGEST MORTGAGE CO. IN THE UNITED STATES - WE CAN CLOSE YOUR LOAN WITH IN A 5-12 DAYS DEPENDING ON WHAT TYPE OF LOAN YOU QUALIFY FOR. BROKERS TAKE 30-45 DAYS AND STILL CANT GIVE YOU ACCURATE FIGURES, SIMPLY BECAUSE THEY DO NOT HAVE THE RESOURCES, NOT TO MENTION THE CUSTOMER SERVICE WE OFFER. BROKERS ARE HERE ONE DAY AND GONE THE NEXT. WE ARE LONG TERM LIKE YOUR MORTGAGES. WE ARE SO CONFIDENT WE PAY FOR YOUR APPRASIAL UPFRONT AND OBLIGATE YOU TO NOTHING.


Left: August 19, 2005 By: DP In: WOODLANDS, TEXAS

AMERIQUEST IS THE BIGGEST MORTGAGE CO. IN THE UNITED STATES - WE CAN CLOSE YOUR LOAN WITH IN A 5-12 DAYS DEPENDING ON WHAT TYPE OF LOAN YOU QUALIFY FOR. BROKERS TAKE 30-45 DAYS AND STILL CANT GIVE YOU ACCURATE FIGURES, SIMPLY BECAUSE THEY DO NOT HAVE THE RESOURCES, NOT TO MENTION THE CUSTOMER SERVICE WE OFFER. BROKERS ARE HERE ONE DAY AND GONE THE NEXT. WE ARE LONG TERM LIKE YOUR MORTGAGES. WE ARE SO CONFIDENT WE PAY FOR YOUR APPRASIAL UPFRONT AND OBLIGATE YOU TO NOTHING.


Left: August 19, 2005 By: DP In: WOODLANDS, TEXAS

AMERIQUEST IS THE BIGGEST MORTGAGE CO. IN THE UNITED STATES - WE CAN CLOSE YOUR LOAN WITH IN A 5-12 DAYS DEPENDING ON WHAT TYPE OF LOAN YOU QUALIFY FOR. BROKERS TAKE 30-45 DAYS AND STILL CANT GIVE YOU ACCURATE FIGURES, SIMPLY BECAUSE THEY DO NOT HAVE THE RESOURCES, NOT TO MENTION THE CUSTOMER SERVICE WE OFFER. BROKERS ARE HERE ONE DAY AND GONE THE NEXT. WE ARE LONG TERM LIKE YOUR MORTGAGES. WE ARE SO CONFIDENT WE PAY FOR YOUR APPRASIAL UPFRONT AND OBLIGATE YOU TO NOTHING.


Left: August 19, 2005 By: DP In: WOODLANDS, TEXAS

AMERIQUEST IS THE BIGGEST MORTGAGE CO. IN THE UNITED STATES - WE CAN CLOSE YOUR LOAN WITH IN A 5-12 DAYS DEPENDING ON WHAT TYPE OF LOAN YOU QUALIFY FOR. BROKERS TAKE 30-45 DAYS AND STILL CANT GIVE YOU ACCURATE FIGURES, SIMPLY BECAUSE THEY DO NOT HAVE THE RESOURCES, NOT TO MENTION THE CUSTOMER SERVICE WE OFFER. BROKERS ARE HERE ONE DAY AND GONE THE NEXT. WE ARE LONG TERM LIKE YOUR MORTGAGES. WE ARE SO CONFIDENT WE PAY FOR YOUR APPRASIAL UPFRONT AND OBLIGATE YOU TO NOTHING.


Left: August 19, 2005 By: DP In: WOODLANDS, TEXAS

AMERIQUEST IS THE BIGGEST MORTGAGE CO. IN THE UNITED STATES - WE CAN CLOSE YOUR LOAN WITH IN A 5-12 DAYS DEPENDING ON WHAT TYPE OF LOAN YOU QUALIFY FOR. BROKERS TAKE 30-45 DAYS AND STILL CANT GIVE YOU ACCURATE FIGURES, SIMPLY BECAUSE THEY DO NOT HAVE THE RESOURCES, NOT TO MENTION THE CUSTOMER SERVICE WE OFFER. BROKERS ARE HERE ONE DAY AND GONE THE NEXT. WE ARE LONG TERM LIKE YOUR MORTGAGES. WE ARE SO CONFIDENT WE PAY FOR YOUR APPRASIAL UPFRONT AND OBLIGATE YOU TO NOTHING.


Left: August 19, 2005 By: DP In: WOODLANDS, TEXAS

AMERIQUEST IS THE BIGGEST MORTGAGE CO. IN THE UNITED STATES - WE CAN CLOSE YOUR LOAN WITH IN A 5-12 DAYS DEPENDING ON WHAT TYPE OF LOAN YOU QUALIFY FOR. BROKERS TAKE 30-45 DAYS AND STILL CANT GIVE YOU ACCURATE FIGURES, SIMPLY BECAUSE THEY DO NOT HAVE THE RESOURCES, NOT TO MENTION THE CUSTOMER SERVICE WE OFFER. BROKERS ARE HERE ONE DAY AND GONE THE NEXT. WE ARE LONG TERM LIKE YOUR MORTGAGES. WE ARE SO CONFIDENT WE PAY FOR YOUR APPRASIAL UPFRONT AND OBLIGATE YOU TO NOTHING.


Left: August 19, 2005 By: DP In: WOODLANDS, TEXAS

AMERIQUEST IS THE BIGGEST MORTGAGE CO. IN THE UNITED STATES - WE CAN CLOSE YOUR LOAN WITH IN A 5-12 DAYS DEPENDING ON WHAT TYPE OF LOAN YOU QUALIFY FOR. BROKERS TAKE 30-45 DAYS AND STILL CANT GIVE YOU ACCURATE FIGURES, SIMPLY BECAUSE THEY DO NOT HAVE THE RESOURCES, NOT TO MENTION THE CUSTOMER SERVICE WE OFFER. BROKERS ARE HERE ONE DAY AND GONE THE NEXT. WE ARE LONG TERM LIKE YOUR MORTGAGES. WE ARE SO CONFIDENT WE PAY FOR YOUR APPRASIAL UPFRONT AND OBLIGATE YOU TO NOTHING.


Left: August 19, 2005 By: DP In: WOODLANDS, TEXAS

AMERIQUEST IS THE BIGGEST MORTGAGE CO. IN THE UNITED STATES - WE CAN CLOSE YOUR LOAN WITH IN A 5-12 DAYS DEPENDING ON WHAT TYPE OF LOAN YOU QUALIFY FOR. BROKERS TAKE 30-45 DAYS AND STILL CANT GIVE YOU ACCURATE FIGURES, SIMPLY BECAUSE THEY DO NOT HAVE THE RESOURCES, NOT TO MENTION THE CUSTOMER SERVICE WE OFFER. BROKERS ARE HERE ONE DAY AND GONE THE NEXT. WE ARE LONG TERM LIKE YOUR MORTGAGES. WE ARE SO CONFIDENT WE PAY FOR YOUR APPRASIAL UPFRONT AND OBLIGATE YOU TO NOTHING.


Left: August 19, 2005 By: DP In: WOODLANDS, TEXAS

AMERIQUEST IS THE BIGGEST MORTGAGE CO. IN THE UNITED STATES - WE CAN CLOSE YOUR LOAN WITH IN A 5-12 DAYS DEPENDING ON WHAT TYPE OF LOAN YOU QUALIFY FOR. BROKERS TAKE 30-45 DAYS AND STILL CANT GIVE YOU ACCURATE FIGURES, SIMPLY BECAUSE THEY DO NOT HAVE THE RESOURCES, NOT TO MENTION THE CUSTOMER SERVICE WE OFFER. BROKERS ARE HERE ONE DAY AND GONE THE NEXT. WE ARE LONG TERM LIKE YOUR MORTGAGES. WE ARE SO CONFIDENT WE PAY FOR YOUR APPRASIAL UPFRONT AND OBLIGATE YOU TO NOTHING.


Left: August 19, 2005 By: DP In: WOODLANDS, TEXAS

AMERIQUEST IS THE BIGGEST MORTGAGE CO. IN THE UNITED STATES - WE CAN CLOSE YOUR LOAN WITH IN A 5-12 DAYS DEPENDING ON WHAT TYPE OF LOAN YOU QUALIFY FOR. BROKERS TAKE 30-45 DAYS AND STILL CANT GIVE YOU ACCURATE FIGURES, SIMPLY BECAUSE THEY DO NOT HAVE THE RESOURCES, NOT TO MENTION THE CUSTOMER SERVICE WE OFFER. BROKERS ARE HERE ONE DAY AND GONE THE NEXT. WE ARE LONG TERM LIKE YOUR MORTGAGES.


Left: August 19, 2005 By: DP In: WOODLANDS, TEXAS

AMERIQUEST IS THE BIGGEST MORTGAGE CO. IN THE UNITD STATES - WE CAN CLOSE YOUR LOAN WITH IN A 5-12 DAYS DEPENDING ON WHAT TYPE OF LOAN YOU QUALIFY FOR. BROKERS TAKE 30-45 DAYS AND STILL CANT GIVE YOU ACCURATE FIGURES, SIMPLY BECAUSE THEY DO NOT HAVE THE RESOURCES, NOT TO MENTION THE CUSTOMER SERVICE WE OFFER. BROKERS ARE HERE ONE DAY AND GONE THE NEXT. WE ARE LONG TERM LIKE YOUR MORTGAGES.


Left: August 18, 2005 By: In:

I heard that. It's true, it's true!!


Left: August 15, 2005 By: In:

If you like blow and X you'll fit right in.


Left: August 15, 2005 By: KP In:

No can do mo fo. I have to stay clean until my interview is done at Countrywide. I hear there is alot of good stuff floating around there!


Left: August 15, 2005 By: In:

In that case....hook a brotha up!


Left: August 15, 2005 By: KP In:

I don't want to tackle the addiction. I like it.


Left: August 11, 2005 By: In:

KP, did you not get your daily methadone fix? Are you back on the horse again? Keep fighting, you'll tackle that heroine addiction yet.


Left: August 11, 2005 By: KP In:

No. I wasn't a stupid enough fucktard to get a loan with you 5th grade educated data entry schmucks!


Left: August 10, 2005 By: In:

Wow you're smart. You "forget" to pay your mortgage too?


Left: August 10, 2005 By: KP In:

HEY MORON, WHO THE HELL IS "JJ". YOUR OLD LOVER? YOU MUST WORK FOR CHL.


Left: August 08, 2005 By: In:

Wow. You really are just a jack ass JJ. Go finish jacking off to your kiddy porn you sick fuck.


Left: August 01, 2005 By: JJ In: USA

Sounds like Cathy Hardwick is only employed there because she fits in to CHL's rip-off scheme! She needs to visit someone like Dr.Kevorkian.


Left: July 31, 2005 By: In:

So what you are saying Kristin is that you are African American and your supervisor what a racist white lady who hated US servicemen? So when are you suing for descrimination? Sounds like maybe you were the lazy employee and you're making things up otherwise you would have made that an HR issue.


Left: July 29, 2005 By: You know who I am!! In: Plano

I was fired for all of the above.


Left: July 29, 2005 By: Kristin In: Plano

Let me start off by saying that I am not a customer of CHL, nor will I ever be. As of Monday I am an ex-employee. I worked in the SCRA Dept and helped the homeowners and their Power of Attorney's who are in the military. My team leader was Cathy Hardwick. She was a 65 yr old dumbass hired to take on a team of people who actually knew what we were doing, to come in and be constantly negative. She does not agree that our homeowners who are serving our country deserve to get a lowered interest rate (which by law the DO)... I believe that we owe them much more than that. In meetings she would refer to us as "you people" and she would jokingly refer to the homeowners as "slum lords who live in the ghetto" I would take offense to such insulting comments as these, therefore I was obviously on her shit list. I always took the time out to help people and I won very many awards from upper management for this type of outlook. However, when you are someone like Cathy who does nothing but constantly talk shit about everyone, you are more likely to single someone like me out. I would get awarded for going "above and beyond" but I would get written up for "overstepping my boundaries." If it wasn't for me, hundreds of homeowners would have really been out of luck because as many of you know, when you call your mortgage company it it extremely hard to find someone who not only actually cares, but also isn't lazy enough to discard your problem and actually follow through with finding the solution. If anyone here has any fear of being jacked around with the servicing end of the loan, please respond and I will still help you out the best I can.


Left: July 29, 2005 By: In:

So which was it, you got fired becaus you work out, have an opinion, wore a hoodie or are a jack-ass?


Left: July 29, 2005 By: in the office In: Plano

Yes, I agree, Leann Stout is a fat, smelly, pig!


Left: July 28, 2005 By: You know who exactly who I am!!! In: Plano

I was fired form cuntrywide for dress code. For a zip up hoodie in the winter. It was all because I worked for a BEEEOCH! Her name is Leann Stout she works in the Plano office. Just because I had a opinon I was fired. It is funny how they just fire any one just because they do not like them. You can even be a top producer. Leann if you ever read this or if someone relays this message to her. I HOPE THAT YOU GET AIDS! Not HIV but full blown AIDS. You have no respect for anyone. Just because you weight 500 lbs and look like a whale does not mean that you can hate someone. Just because they work out everyday and are in shape. I have never met someone as evil as your bitch ass.


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 25, 2005 By: Jerry Pea In: Grand Prairie

Our home was built through Ryland Homes, then our contract was bought by Countrywide Home Loans. Our first mortgage payment was said to be due to Countrywide on July 1,2005. I mailed this payment off in due time, and it was received and processed. But it was processed for June 2005. That's right! They send me a letter in the middle of July saying that I have not paid for June, and that my home will be lost if I do not pay.So i begin the odyssey of phone calls and faxes through the matrix that they call customer service. Finally on July 25, 2005, just six days before August 1, they call and say that they have a plan where i can pay them for there mistake.In 4 months i can pay 284.00 plus the late fees of 45 each month, that will settle any problems and not be reported to my credit in a negative manner.Well this is the problem, i'm paying for my wedding at the same time, no they don't care,why should they, they only make a billion dollars a year! Anyways for the next 30 years i have to deal with these assholes unless or course i hit the lotto, i'll walk up to the building piss on it, then throw them a cashiers' check for my balance/ along w/a middle finger! Thanks for letting me vent.To all of you who watch the commercials about how countrywide is america's leading lender, it's because they get you, that's it, they got you!


Left: July 13, 2005 By: Paul In: Fort Worth

DO NOT WORK FOR THIS COMPANY. DO NOT WORK FOR ANY PART OF THIS ORGANIZATION. THE SHARED SERVICES DEPARTMENT IN FORT WORTH IS AS UNETHICAL AND DISRESPECTFUL AS THEIR ORIGNATIONS AND LOAN SERVICES DEPARTMENT. IF THE HUMAN RESOURCES DEPARTMENT CAN NOT GET THEIR ACT TOGETHER WHAT MAKES YOU THINK ANY BRANCHES OF THIS COMPANY WOULD BE ANY BETTER. DID YOU KNOW THAT LATE FEES ALONE PAY THE PAYROLL FOR THE ENTIRE COMPANY. THAT IS ACTUALLY DISCLOSED IN TRAINING.


Left: July 12, 2005 By: Jerry L Doyle Sr In: Baytown Tx. (Houston Area)

I've been with CW since 1998. Once they lost my Pmt.They found it after two weeks.I had dropped it in their Pmt store. No late fees,but I was told it was my mistake. I'm thru the VA backed loan. This is the only time I've ever had a problem. Countrywide has been good for me.My loan is a 7% interest loan.I've not tried to lower the interest rate until now.Well GMACM took my loan and found a loan Co (Option One) in California to give me tho loan.After all the paper work I find out they want $3300 to drop my interest rate 1/5 percent for two years then it would be a variable rate. My savings for the 1/5 % is 900 dollars. my cost $3300. Please watch Option One via GMACM. The woman that set this up is no longer with GMACM. Thanx, Jerry Doyle Sr.


Left: July 11, 2005 By: D. Wright In: San antonio, TX (where DIRECTIONS Mortgage and COUNTRYWIDE SUCK!)

Beware of DIRECTIONS MORTGAGES IN SAN ANTONIO, TX.
Directions started me on my journey with Countrywide when I went over to the title company to sign papers to close on my house. I had a good faith estimate stating that I would have a 30 yr fixed rate mortgage. We were closing and trying to meet a deadline to not lose our deal on the house. When we arrived, the lady at the title company (with my realtor present)told me, "This isn't the same deal as your good faith est". We then got our Mortgage guy on the phone from directions (HIs name is Rene') who hemmmed and hawwed over the speaker phone knowing full well that he had us over a barrel. Begrudgingly we signed the deal planning to refinance later.

Whoops! My wife's business had a terrible year and I struggled to make payments with my income for 2 yrs. During that period, Countrywide bought the loan. I was going to be late on a payment, so I called CW. A customer service rep promised me that since I had called in to make payment arrangements, that It would not reflect negatively on my credit! Later when I tried to refinance, my credit had taken enough hits from other obligations and hard times that it was marginal. AND countrywide had reported me as being late on my house note for 4 consecutive months! I was not late more than 2 and I was "assured" that It would not hurt me because I had called ahead. Now I am really struggling with CW and have CW and DIRECTIONS MORTGAGE to thank!


Left: July 10, 2005 By: Larry In: Corpus Christi

Oh and by the way we got a 30 year fixed VA home loan at %5.25 with a 1/2 point no money down and seller paid closing costs.


Left: July 10, 2005 By: Larry In: Corpus Christi

That is funny I am certainly very happy with Countrywide Home Mortgage. In fact my wife and I got a loan on our very first home through them and could not be more happy. They were able to close quickly work around our needs and get the intrest rate exactly what I had wanted. I worked with many home lenders trying to work the intrest rate down to my liking, good faithe estimate after another Contrywide I had no problems they matched my lowest lender and kept payments and closing cost right on target. Sounds to me like some one fell a little behind and rather then communicating felt it was some one elses problem and point the finger at others. Further more it is your job to read everything in getting a home loan lots of paper work is involved yet dont get lazy with it READ EVERYTHING BEFORE you sign. I read it then my wife read it after I and we asked lost of questions DO NOT leave any question unaswered and do not be afraid to ask its your money I would much rather feel dumb in the office for asking a very obvious question then then feel dumb and complain about it later. Sorry about you luck but don't blast the loan company for your short falls maybe had you been more resposible. ONE HAPPY COUNTRYWIDE CUSTOMER!


Left: July 08, 2005 By: undisclosed In: Dallas

I'm happy to say that I didn't last a year at Countrywide. I realized how they treat their employees within the first day. I was at a point in my life where I just needed to find a job, any job and I began working there as a temp - I was told that I'd be hired full time very soon, as long as I was a productive employee. I was also told that after I was hired I'd receive an increase in pay. As a temp I received a very low hourly rate of pay, and was not paid for holidays like Thanksgiving which I had to take off. I was pressured to work long hours and weekends, received very little or no training, and was told that I'd be hired very soon. I was eventually hired perm and fortunately soon after I found something much better.

The problem with CW is that they will hire ANYONE to work there. Most companies administer personality tests and/or literacy tests upon the initial interview process but CW just wants warm bodies that will ask for very little pay. The phrase I heard most while working there was "It's not what you know, it's WHO you know". That is not a just or effective way to operate a business.
CW loves to claim to be a great employer and a wonderful environment to work in, but this couldn't be any further from the truth.

I want to commend the creator of this site - and I would continue to remain anonomous if I were you. Working at CW makes me appreciate my current employer all the more. I no longer come home confused, upset or crying because I hate my job. I now earn the salary I deserve, have benefits and time off - am not forced to work excessive overtime and am please with the work and service my company provides to it's customers. I will never have a home loan with Countrywide - I know the kind of training programs they have and the low-life morons they hire to work at their establishment - and that does not interest me.

I actually dreamed of turning in my 2 week notice - and felt like my life was saved when it became a reality.





Left: June 27, 2005 By: C Behm In: Houston

RBC Mortgage directors confirmed that Countrywide was approving loans for people from terrorist familes and that cash gifts from the middle east were used in opening up these loans. There were many other bad things they said about Countrywide (one of the underwriters worked for Countrywide for many years) and their illegal practices of accepting untraceable monies. I went through RBC Mortgage (they suck too) - they locked in my rate and then told me a week later that it was more than what they had said previously. Right before the closing they sprung some more hidden fees on me and lied about a couple other things. A month later guess who buys the loan from RBC... Countrywide. So, they said they do not do business with Countrywide because they don't want to be implicated in illegal transactions and then they go and sell the accounts to them.

I can't wait to deal with these jokers.


Left: June 26, 2005 By: David In: San Antonio

When dealing with any lender, especially Countrywide (I don't know why anyone would after viewing this website) have them abide by this rule:

Have them issue you a pre-approval IN WRITING that states:

1. You have been approved for a certain loan amount and that amount will not change
2. Your interest rate will not change
3. All that is left to do is have underwriting VERIFY the information you supplied on your application
4. Whether or not you will be subject to a prepayment penalty

If your lender (especially Countrywide or Full Spectrum Lending) won't do this for you... walk away and stay away from them.

Also, if you are dealing with another lender, make sure they PUT IT IN WRITING that your loan is not to be sold to or serviced by Countrywide for the life of the loan. Period.


Left: June 25, 2005 By: DB In: Texas

I'm going to spend a few bucks to purchase a share of Countrywide stock. After I complete that, I'll not just be a customer... I'll also be part owner of the company.

Why is that important? Countrywide has "conference calls" every so often where shareholders are invited to participate and ask direct questions of the CEO and other executives. Heck, I'll spend $30 to $50 for the chance to ask some tough questions about their accounting practices, bad customer service, pending lawsuits, etc. in front of other investors.

I would encourage everyone else to do the same. Let's see how THAT goes!


Left: June 24, 2005 By: Andrew In: Plano

call:
Brian Hale
Managing Director
National Production
Chief Production Officer
972-608-6771 (Ofc)
972-608-1168 (Fax)
Brian_Hale@Countrywide.com (E-mail)
Tameca Centers - Administrative Assist.




Left: June 16, 2005 By: Lance In: Austin

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

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

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

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


Left: June 14, 2005 By: In:

I work for Countrywides Registration Department, and I hate it, its awful, its a sweat-shop for sure!


Left: June 14, 2005 By: In:

I work for Countrywides Registration Department, and I hate it, its awful, its a sweat-shop for sure!


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 09, 2005 By: Dave Hensley In: Dallas

I've been in my current house 21 years, under the original 30 year mortgage. I've never been late on a payment. The mortgage has been sold 5 times and, aside from minor annoyances like not being able to accept e-payments, there has never been a problem...until CW bought the mortgage last year. I was out of town on a business trip, and checked my voicemail and had a couple of messages to call a "credit counseling service"--no other identification. Yep, it was the first month CW serviced the mortgage and they began the harassing calls on the 4th.

I don't like harassing phone calls, so I contacted the Texas Attorney General's office, and was a bit surprised to get a fast, personal response that explained the loophole in most fair credit collection legislation that excludes the creditor from most provisions of the act. Basically, consumers have no protection from a corporate bully, if the bully is the actual creditor.

I now pay CW electronically on the last date before past due. I used to pay my mortgage between the 1st and 5th of the month. I will continue to slow pay until CW stops harassing me.

Yo, Rob from Dallas who used to work in CW collections: How much does it cost CW's call center each time it answers the phone? Because for each automated call I get, they get a call and a replay of whatever message they sent me. I also periodically call and have a chat with a collections rep. They go through their "due and payable" script with me, and I go through my "no consequences to me unless paid late, so bite me" rebuttal. I do this politely, since these aren't the suits trying to be a hero by accelerating payments, although after reading your posting, Rob, I may have to rethink this.

Have a nice day, and remember to exclude Countrywide, its associates, subsidiaries, heirs and assigns from assuming any future mortgages you take out.



Left: June 06, 2005 By: Undisclosed In: Katy TX

When I orginally set up to obtain a home loan, I went to Countrywide first. They turned me down. Someone else gave me a loan. At some point, Countrywide bought my loan. The payment methodology was rockin, so I was happy. Then came time to refinance my loan. I spoke with Countrywide first. They were outrageous. So I got another lender and secured an astounding rate for 30 days. Over the next 6 weeks, I faxed, called, got phone numbers, wasted time and energy, practically screaming at my agent to make countrywide produce the "loan ownership document", forgot the name. They took so long in producing it that my agent said he couldnt keep my rate lock anymore, and of course the rate had gone up. Not much up, but at this point it had become a "thing" to me. I told my agent I would happily blow the deal if he even thought about touching my rate. Of course, he conceeded when I wouldnt budge, so that worked out. Countrywide didnt actually own my loan. Someone else did, and Countrywide was the caretaker. Only Countrywide would know this, and only after umteen concalls with big dogs did I finally get things done. I tried to get a loan stipulation that would prevent countrywide from buying my new loan, but they said they couldnt do that. Definitely didnt want to deal with their incompetence anymore. And guess what happened two weeks after close? Countrywide bought it again. I called them up and told them what I thought of them, their imcompetence, and their hypocritical purchases of my previously denied loans, but it all falls on deaf ears.


Left: June 06, 2005 By: Undisclosed In: Katy TX

When I orginally set up to obtain a home loan, I went to Countrywide first. They turned me down. Someone else gave me a loan. At some point, Countrywide bought my loan. The payment methodology was rockin, so I was happy. Then came time to refinance my loan. I spoke with Countrywide first. They were outrageous. So I got another lender and secured an astounding rate for 30 days. Over the next 6 weeks, I faxed, called, got phone numbers, wasted time and energy, practically screaming at my agent to make countrywide produce the "loan ownership document", forgot the name. They took so long in producing it that my agent said he couldnt keep my rate lock anymore, and of course the rate had gone up. Not much up, but at this point it had become a "thing" to me. I told my agent I would happily blow the deal if he even thought about touching my rate. Of course, he conceeded when I wouldnt budge, so that worked out. Countrywide didnt actually own my loan. Someone else did, and Countrywide was the caretaker. Only Countrywide would know this, and only after umteen concalls with big dogs did I finally get things done. I tried to get a loan stipulation that would prevent countrywide from buying my new loan, but they said they couldnt do that. Definitely didnt want to deal with their incompetence anymore. And guess what happened two weeks after close? Countrywide bought it again. I called them up and told them what I thought of them, their imcompetence, and their hypocritical purchases of my previously denied loans, but it all falls on deaf ears.


Left: June 06, 2005 By: red dog In: I feel like I'm reading 4th graders papers!

I agree. There are many misspellings. People don't have enough pride to even worry about it. That is very sad and shameful.


Left: June 05, 2005 By: regular joe In: Austin Texas

Sorry to hear about the misfortunes of others and hope my experience with CWHL will remain in good status. As well, (Seemz sum of yuo'z folx nead summ SpLL-ING Classez!)


Left: June 03, 2005 By: Gail in Texas In: Houston

This site confirms what I've known for a long time. I was a former employee (paid slave) of Countrywide. I'd heard it was a sweatshop, before I went over there..but I had no idea how horrible it would be.
I was a processor for CW. And the processor's job is made unbearable because
Countrywide does not train their loan officers. They send them out to originate loans with no more training than, "Here's you cell phone...there's your car... GO!" And as a processor, we were expected to hold these crap loans together. Once the Loan Officer got the loan started they would not return their calls and they would dissappear. Unfortunatly, then I would be the only person these angry people could reach. I had to sit and my desk all day and try to do my already overworked job while answering one irrate phone call after another. It was horrible. I use to come in at 7:00 and stay until 10:00 at night...six days a week and take home work on Sunday. I use to sit at my desk and cry.
At this point, I would get a job cleaning toilets or any other disgusting job you can think of before I would go back to that hell hole.
After finally having enough of the missery as a processor, I changed to being a loan officer for countrywifde... I thought, I'll be a good one and not put people through all this. The problem was that after about a year Countrywide's Reputation was starting to spread and no one wanted to do business with anyone from Countrywide so I left and went to a different lender.
That was a year and a half ago and I've felt like a bird out of a cage. Countrywide Is Horrible!!!!!


Left: June 03, 2005 By: Undisclosed In: Katy TX

When I orginally set up to obtain a home loan, I went to Countrywide first. They turned me down. Someone else gave me a loan. At some point, Countrywide bought my loan. The payment methodology was rockin, so I was happy. Then came time to refinance my loan. I spoke with Countrywide first. They were outrageous. So I got another lender and secured an astounding rate for 30 days. Over the next 6 weeks, I faxed, called, got phone numbers, wasted time and energy, practically screaming at my agent to make countrywide produce the "loan ownership document", forgot the name. They took so long in producing it that my agent said he couldnt keep my rate lock anymore, and of course the rate had gone up. Not much up, but at this point it had become a "thing" to me. I told my agent I would happily blow the deal if he even thought about touching my rate. Of course, he conceeded when I wouldnt budge, so that worked out. Countrywide didnt actually own my loan. Someone else did, and Countrywide was the caretaker. Only Countrywide would know this, and only after umteen concalls with big dogs did I finally get things done. I tried to get a loan stipulation that would prevent countrywide from buying my new loan, but they said they couldnt do that. Definitely didnt want to deal with their incompetence anymore. And guess what happened two weeks after close? Countrywide bought it again. I called them up and told them what I thought of them, their imcompetence, and their hypocritical purchases of my previously denied loans, but it all falls on deaf ears.


Left: May 29, 2005 By: Dan Dorrance In: Austin

At this point I will never do business with Countrywide again. The result of the letter below was a $250 gift card to a Home Supply Store. This took about a month of negotiations after the letter you see below. I was actually going to consider this a closed issue and learn never, ever, ever, believe anything I am told until it is in writing.... not even email. The reason I am now posting this is because they charged for doing our own escrow (about $300) we are now being told because we put 10% down, we can not do our own escrow. I asked for our $300 back, and so far heard nothing other than they will look into it. Before we closed, we got immediate same day response to any question we had..... So while there was some effort on Countrywide's part to correct a situation, the pattern is to low ball any charges/rates to get you in the door.... then at closing all the real charges show up. An example note even quoted in the letter below was the appraisal fee was originally $385 but at closing was charged $130 more because it was a duplex. Never was told that upfront, nor when we scheduled and paid for the appraisal... And guess what, the Appraisal company is associated with Countrywide. But here is the original issues......

Michael, and J.D.,

I know both of you worked very hard on our loan process and closing should
be a time of celebration. We felt and were led to believe we were in very
capabale hands with you handling the details.

Unfortunately, closing was no time for celebration. Instead, we are very
displeased and frustrated at the service Countrywide provided regarding our
mortgage process, or to be very specific, the 24 hours prior to closing and
the closing.

When we selected your firm we expected to receive the interest rate, term,
and discount points we had discussed and agreed to verbally when we met and
filled out our application.

At that time YOU HAD AGREED to 6.375%, 30 year, NO DISCOUNT POINTS. The
original application forms we filled out had wrong information as to the
rate and terms. We brought that to your attention and we did cross them out
and initialed.
We were told that was just to get the application process going and we
would have ALL that information at LEAST 24 hours before closing. When we
asked about getting copies of what we signed we were told that was not
necessary since all that information would be supplied PRIOR to Closing, at
least a day in advance. We had no reason to believe that was not going to
be the case.

We got the HUD statement late the night before closing and were shocked to
find $2700 of discount points. All of a sudden we go from $0 to $2700.

When I first called early the next morning I was told $1600 was because of
not doing escrow for taxes and insurance.
And the rest was buydown of the rate.
I said to remove the $1600 and we will escrow with Countrywide. However, that again was
incorrect information

JD then called to apologized and explain the $2700 issue.
We were told that 1% was a mistake on Countrywide's part since it was not
owner occupied. Yet we had mentioned at the time of application this was
an investment property.
Then because we were doing our own escrow that was an additional 3/8 %,
which was never mentioned initially. We did resolve that issue, but again
nothing ever stated up front concerning that fee.
Finally for some reason the system decided to buy down the rate. Again we
never asked for this, but again in the interest of time and closing we
accepted.

While I was not totally happy with the explaination, since we were so close
to closing, and I understand an honest mistake can happen, we accepted the
explaination and the fact that JD was willing to remove the processing fee
of $535. At this point we were satisfied, and figured the closing will
now be a formality and everything was taken care of.

So when we get into the closing we see FOR THE FIRST TIME a 15 year term,
at a rate no better than the original 30 year term we were quoted initially
when the discount points are taken into account. Otherwise it was exactly
the same as the 30 year rate. This placed us in the dilemma of needing to
close or risk losing the opportunity to buy the property. So when we
complained the best you came back with on a 30 year loan was 7.125% with
0.625 points discount, or the 6.125 with 3 additional Points! How would
you like to be surprised at the last minute with either $4300 additional at
closing, or an extra $300 a month in payments??? What happened to the
original 6.375% 30 year rate we are had agreed to when the application was
filled???

So, despite the fact that you put significant time and effort, there were
too many oversights, most notablibly the rate and terms, and not furnishing
us that information 24 hours in advance as we were promised and as the law
required.

While we were all upset and frustrated at the closing, we are giving
Countrywide an opportunity to resolve this matter to our satisfaction

A notation on one of the emails we received stated:
"The highest compliment my clients can give me is an introduction of their
family, friends and business associates. This leaves me free to invest
100% of my time to deliver first-class service to my valued clients. I am
interested in building strong, lifelong relationships...one person at a
time."

We are being more than fair and understanding by asking the original
agreement be honored as follows.

We had a 30 year 6.375% rate with No Discount Points. We paid the discount
to lower the rate to 6.125%. Give us the 30 year mortgage at that rate.
That still puts us out about $1600 from the original agreement, but we will
accept that as a fair compromise.

This action would tell us that Countrywide does care about their clients
and this was just a series of inadvertant mistakes and oversights when
trying to do things too quickly.

We network with hundreds of potential home buyers who in turn network with
thousands, especially in the high tech industry. Also Susan works in the
RRISD where many teachers and administrators are potential clients. We
would like to be able to recommend Countrywide.

I look forward to hearing from you.




Left: May 27, 2005 By: Heather In: Keller

I just stumbled across this page by accident. I am looking to refinance my home and my current lender is Countrywide. I have recently changed my billing from auto debit to mailing a check every month. My house payment was $1298 a month until April 1 of this year, when Countrywide debited $1789 from my account. I noticed this when downloading transactions to my checking account. I assumed they had incorrectly debited my account. I looked back at my last statement from February and on the back of the last page it stated that my new payment would be $1789.91 starting in April. They had posted a notice stating "We regret to inform you we had a system failure resulting in an inability to generate an Annual Escrow Account Statement, with the results of the Annual Escrow Analysis performed on October 25, 2004. To rectify this system failure, we have performed a new escrow analysis. Your Annual Escrow Account Statement is now enclosed for your review and comparison. We apologize for any inconvenience this may have caused." I don't kmow how many people can afford a $491.91 house payment increase, but we cannot. It turns out that our escrow payment has been wrong for over a year. We are now making up for the incorrect amount from last year, the beginning of this year, and the monthly increase for the remainder of this year. We are now trying to refinance. We have bounced several checks over the past 2 months due to not knowing about the house payment increase and already sending payments to other creditors. We have been messed up by Coutnrywide and now knowing there are others who have had problems, we will not be requesting a quote from Countrywide. Thanks for letting me tell my story.


Left: May 25, 2005 By: Cecil In: Houston, TX

This is incredible. We just finished a loan application with Countrywide and while doing some research, I stumbled onto this website. At first I thought it was bogus but then I asked a couple of local real estate agents about it. To my amazement 3 out of 3 agents told me to avoid Countrywide like the plague.

It looks like this company has gotten out of control with their trick bait and switch loan practices. We are going BACK to the Countrywide branch tomorrow and tearing up our paperwork. I don't care how good their rate is, I ain't going through years of hell for nothing period. Good bye Countrywide and you just lost a $240,000 loan.


Left: May 20, 2005 By: JAMES In: ANTARTICA

IF YOU WANT TO CONTACT THE CEO HIS NAME IS ANGELO MOZILO AND HIS EMAIL IS ANGELO_MOZILLO@COUNTRYWIDE.COM, AND YOU CAN ALSO CONTACT STEVE_BAILEY@COUNTRYWIDE.COM,MATT_SKOGLUND@COUNTRYWIDE.COM. ALL OF THESE PEOPLE NEED TO BE CONTACTED IF YOU HAVE ANY ISSUES WITH THAT HORRIBLE PLACE!!!


Left: May 19, 2005 By: I left CHL at the right time................. In: Dallas

Recently over 50 customer service reps and supervisors left and went to ONE company. What was the one company's secret? Paying people what they're worth. Countrywide makes it mandatory that you cross sell refi's, HELOC's, etc. However when it's time for you to get your bonus there is a grocery list of stats that you have to meet to be eligible for that bonus. What are some of the stats? One of them is repeats. If a customer calls back once within 30 days of the time you spoke to them, that counts against you getting your "bonus." I don't know about you, but when Countrywide has ALREADY made their money off of YOUR selling the product, it's quite shady and unethical to dream up multiple useless stats to take someone's bonus away. Because Bob Smith called in 2 times in one month, does that mean that the refinance I sold to John Doe is void? Of course not, Countrywide has already made their fortune off of John Doe. In this world you reap what you sow, and Countrywide is starting to reap what they have sown against their customers AND their employees.


Left: May 16, 2005 By: Another Unhappy CWHL customer In: Texas

I currently have two mortgages with CWHL. An 80/20. My husband and I fell behind on payments due to a layoff. I recived the Breach letters giving us 30 day to pay 1500.00. We paid the amount. Thinking everything was fine, we recieved letters from CWHL lawyers stating our home would be foreclosed. The letter stated we did not make the required payments. I called CHWL and the payment I had made was posted to my second mortgage account. I took three weeks and daily calls to get this resolved.The payment was applied to the correct account.

During this we filed for chapter 7 bankrupty. The bankruptcy lawyer filed a motion to stay, so it would stop the foreclosure. After the payment was reapplied I contacted CWHL to set up a repayment plan April 7,2005. We recived a letter from CWHL stating the agreement via phone and the payment schedule. About three weeks later my lawyers recived a letter stating the motion to stay was being lifted and forecolsure was in the process. The lawyers contacted CWHL and told them we had a repayment plan, the CWHL rep said it was cancelled because we filed for bankruptcy.
She told my lawyer that the repayment agreement stated "IN BIG BRIGHT BOLD RED LETTERS" that if bankruptcy is filed the repayment plan is cancelled.

My laywer asked me to bring the letter to him. So my husband took it to his office, and he read the letter. It did not and does not say if bankruptcy is filed the repayment plan is cancelled.

So now my lawyer is having to go after them!!!




Left: May 04, 2005 By: David In: Texas

An update on our "dealings" with Countrywide: the two company officers I've been communicating with have been told by their in-house attorney to "clam up" and not say anything else. Their lawyer has taken over and has begun writing the usual legal-jargon letters, only problem is their full of contradictory statements. They're circling their wagons at Countrywide... even their CEO has started to stumble of his previous words!

This is getting interesting, indeed.


Left: April 29, 2005 By: Robert In: Dallas, TX

Teresa, congratulations on avoiding Countrywide Home Loans. You've done yourself a favor. Just keep spreading the word to others, too.

Mortgage companies report our histories to credit bureaus, but there's no "bureau" to hold THEM accountable. We have to keep up these public forums and keep getting the message out as often as possible.

Good luck with your home loan, and remember, have a "NO COUNTRYWIDE SELL/SERVICE" clause written in your mortgage contract. Otherwise, Countrywide will be able to purchase your loan from your lender and you'll be stuck with them!




Left: April 27, 2005 By: Teresa In: Beaumont

Thank you so much for this website! My husband and I were looking to use Countrywide in buying a home we are looking at. Luckily, we found this site first! We're also alerting our Real Estate agent about this company, sicne she is who told us about Countrywide. She already is planning on tossing out all the cards she has for them.

Oh and as for those that came on the site to flame people for "not paying".... open your eyes and read. At least 90% of the people have stated that they are paying but Countrywide isn't documenting the payment. And also be aware that these people have receipts and canceled checks proving they paid!!!


Left: April 26, 2005 By: David In: San Antonio

Just an FYI: I don't consider the BBB (Better Business Bureau) a reliable source when checking out any company, but I did find something interesting about Countrywide and Full Spectrum Lending in the Houston area (where I loan was originated from)...

There are a total of SIX listings on the BBB website for Countrywide and Full Spectrum Lending branches in Houston, and ALL SIX have an UNSATISFACTORY rating by the BBB.

All six branch listings.


Left: April 25, 2005 By: David In: San Antonio

I promised to update this website on Countrywide's attempt to correct their origination mistakes, and here goes:

After speaking directly with the CEO and a Vice-President and hearing them both say Countrywide would "make it right"... both people failed to do so. These two gentlemen (CEO Mozillo and VP Adams) both asked for written proof of their mistake and after they received it, they backtracked and made a half-assed offer.

Folks, run... don't walk... away from Countrywide Home Loans. Don't close with them. Don't allow your loan to be serviced by them. Don't allow your loan to be sold to them. Stay the hell away from these hot-air bait-n-switch con artists.

I have never sued anybody. Ever. Until now. And I've got news for the boneheads at Countrywide: I'm right, and I'm in it to win it. Period.




Left: April 23, 2005 By: JSCCAMKaufman In: Kaufman

We refinanced our home of 13 years Aug. '03 with New Century Mortgage (NCM). NCM assured us they serviced all their loans. The ink did not have time to dry before they sold the note to Country Wide (CW)- the same month.

Dec. '03 CW failed to add a late fee to a check so they voided the check and reentered it - failed to post date it and sent it to the bank.

As a result of their internal error, we had over $2,000 in NSF's fees deducted from our checking account in 6 weeks (to to include the legal fees). After several months of frustration and fighting with CW on the NSF fees, we filed a formal complaint with the BBB. Only then, the President of CW became involved and sent us a check for $150. They felt they were not accountable for the remainder although I had a letter from the bank that stated differently.

Obviously their error and a job lose caused us to fall behind in Feb. 04, but we continued to send in payments every month. July '04 they refused to accept any payments because foreclosure proceedings had begun. Nov. 04, we entered into a "SINGED" repayment plan to modification. We were told once we completed the plan, CW would modify the note, bring the loan current and our payments would drop $100. The loan was sent to the Modification Dept. Apr. 1st and as of Apr. 22nd nothing has happend, not even an appraisal.
We sent $950 beginning Nov. 04 - a total of $4,750; $5,700 if send April.

CW posted our house for foreclosure May 3rd, has not modified the note, and is now saying there is no guarantee of the modification. We were told if we do not hear from them by Apr. 26th to send them $950 so they can use this as leverage w/investors. We asked for them to put in writing the foreclosure would be postphone and they said NO, but we should TRUST them.

We had one investor offer to buy our home, help us relocate and split the equity - humm makes you wonder why they want the house so bad. We paid $43K and it appraised at $80K+.

We spoke with an atty to go up againt CW but it will take a $2,500 retainer fee and $200 per hr. to sue - which I intend to do. If we had known CW did not cease proceedings when we signed the agreement, we could have used that money on an attorney, sent them nothing, and keep our home by filing bankruptcy Friday before the sale.

Has anyone else had a similar situation like this? If so, we love to know how it ended and what your solution was.


Left: April 21, 2005 By: Forever Countrywide In: Austin, Texas

I've had several mortgages, and I've always had my loan sold until Countrywide finally bought it 4 years ago. Since then, they have been nothing short of exceptional in every aspect of my dealings with them. I even had a 30 day late b/c for some reason I didn't get a bill. Not only did they not charge me a late fee, but they took the 30 day late off the credit report! I wish more companies were as exceptional as Countrywide. I don't know what happened to the webmaster, but I feel like Countrywide might be getting the blame for one bad apple or from a person who didn't pay his or her bills.


Left: April 16, 2005 By: CryBaby In: Dallas

These mean people at Countrywide keep calling me and wanting money. I was a LOYAL customer for 2 years, then I was unable to make payments for 5 months and they now want to foreclose. I can't believe they want me to make a payment EVERY SINGLE MONTH....this is ridiculous.


Left: April 13, 2005 By: Just some good advice In: Dallas

IF YOU HAVE BEEN A VICTIM OF COUNTRYWIDES DECEPTIVE TRADE OR YOUR HOME HAS BEEN ILLEGALLY FORECLOSED PLEASE CONTACT THE FOLLOWING PEOPLE WITH YOUR COMPLAINT FOR QUICKER RESOLUTION.

COUNTRYWIDE NEEDS TO BE HELD ACCOUNTABLE FOR THEIR ACTIONS NOW. ACCORDING TO THE TEXAS ATTORNEY GENERAL COUNTRYWIDE WILL HAVE TO PAY TRIPLE THE AMOUNT IN DAMAGES IF THEY ARE PURSUED BY THE ATTORNEY GENERALS OFFICE. "TEXAS IS A HOMEOWNER FRIENDLY STATE". SINCE COUNTRYWIDE IS IN CALIFORNIA THIS REALLY GALLS THEM.

MR. THOMAS K. MCLAUGHLIN
Countrywide Home Loans, Inc.
4500 Park Grenada
Calabass, CA 91302

Attorney General of The State of Texas
Consumer Protection Division
Paul D. Carmona, Chief
William D. Clements Bldg.
9th Floor
300 W. 15th Street
Austin, TX 78701

Texas Savings and Loan Dept.
Complaint Resolution
Attn: Darryl Elliott
2601 North Lamar Suite 201
Austin, Tx 78705

Dallas ACORN (Activist Group)
5353 Maple #200
Dallas, TX 75235

HUD
525 Griffin Street
Room 860
Dallas, Texas 75202-5007




Left: April 12, 2005 By: RS In: Dallas, TX

Never had an issue with them . . . I have used them for my last 3 home loans and have always had an easy time dealing with the company. From reading many of the stories, it sounds like a lot of the problems would be solved if people would simply use the auto-draft, so there is no mailing of checks involved in the payment process.


Left: April 11, 2005 By: David In: San Antonio, TX

Countrywide messed up our origination process and ended up changing our LTV at the last minute, and we found a nasty pre-payment penalty hidden in the loan docs, too. After nearly 15 months of struggling with them, I finally found someone at Countrywide who seems 100% committed to "making it right"... a vice-president in the Texas office who is working hard on our behalf.

Also, to my amazement, I called Countrywide's corporate offices in California and when I asked to speak with the CEO Mr. Mozillo, the guy actually took my call! Talk about becoming speechless... I thought I'd get shuffled off to someone else by his secretary, but the lady was kind enough to put me through knowing full well that I was an unhappy customer!

The CEO (Mr. Mozillo) took the time to listen to my situation and assured me he was going to get his top people "right on it" and wow: things started happening right away. However it all works out, I'll keep this site posted.


Left: April 08, 2005 By: CLEANING In: plano

With all the money this company spends (uselessly)----why don't they spend a portion of it and get a cleaning crew to come in and clean this place up.....they through a hugh $500 billion dollar party under a tent, but you can't even get decent office supplies....what an insult to the employees....


Left: April 07, 2005 By: desperate In: plano

countrywide is demoralizing and demotivating to their employees. they treat you like morons but expect EVERYTHING out of you and they give you absolutely nothing. they don't appreciate good employees and will give them terrible reviews just so they don't have to give them a good raise, while they management (at least in this dept) gets all the bucks..........what a pithole!


Left: April 07, 2005 By: pretty unhappy In: plano

I wish someone out there would tell Angelo about this site.........not that he cares whether his employees are happy or not.......it is a terrible place to work


Left: April 07, 2005 By: WTF In: ALL HAIL

EMPLOYEEONLYBECAUSEOFMONEY - IF YOU HAVE A DGREE FROM A WONDERFUL SCHOOL... HOW THE HECK ARE YOU STUPID ENOUGH TO STAY WITH A COMPANY THAT TREATS YOU LIKE THAT!

Please fill out and id-10t form.


Left: April 07, 2005 By: Busted In: Ft. Worth

HEY TRUTH SEEKER... Here is the info requested.
Roy Hoogvelt
Roy Hoogvelt
2666 Cloverdale Ct
Palmdale, CA 93551
US
Phone: 661-267-2402
Email: MHoogvelt@msn.com
Hey Dumb ass... Never Regeste a domain name in your personal name...
http://www.directnic.com/whois/index.php?query=countrywidehomeloansucks.com


Left: April 07, 2005 By: Mike Hunt In: Paris

You know... I really can't say much about Countrywide, but I must say that many of the stories I read here are rather disturbing. People's Ex-spouses calling up and on a joint loan that THEY HAD RIGHTS TO, asking for payments back... Sounds like your ex-spouse sucks, therefore your lack of good judgement gets called into question. Also, people making payments on-time for years then fall 3 months behind and lose their house... So, you are like 90% of the world and pay on time and you expect speacial treatment. You signed a friggin paper that said that if you missed payments, you lose your house. I am sorry this stuff has happened to you all, but come on. Can't you own up to your mistakes. Sue your ex, figure out why you can't make a payment and fix it. Life is full of responsibility, learn to live with it.


Left: March 30, 2005 By: John In: Plano

By the way the dumbass "The Truth" is either Daryl Ball or Chris Graves, I sent this website to my past employers to inform them and apparently it pissed them off, however, I should have realized that since they both kiss Jason's ass constantly. There like his bitches!


Left: March 30, 2005 By: John In: Plano

Where to start? I worked for CHL for approximately 1 year, as an agent for 6 months and then as a supervisor. I can say that things seemed fine at first, but things started to come to my attention...for example, I had customers on a daily bases who would call in crying…literally crying! These customers would state how CHL has screwed them over and destroyed there lives; Of course, me being a naive teen, assumed these customers where extremely over exaggerating to the fullest degree, however, as the months past and I received my promotion things seemed to get a little more interesting. A hidden secret revolved around our department…one in particular was when our manager, Jason (last name disclosed), pulled us supervisors: Susan, Kendale, Chris, Cody, Mason, Bernard and myself into his office and in his words said,” The sexual harassment that is going around our department has to stop, but I do not find it necessary for anyone to talk about it with anyone, especially human resources! I do not want you guys speaking of this to HR at all, is that understood?” This statement from someone I respected and looked up to, kicked me in the gut so hard I couldn’t breathe. Not even a week passed and numerous amounts of agents continued to come to me for advice on what to do because there was someone making them feel uncomfortable; sexual harassment was such a great issue I could not detain myself; I told the agents to go to HR and complain since I felt I had my hands tied. Agents began to blame me for not trying to help…I felt useless! One thing lead to another and word got out that I was informing agents to go to HR…never the less, I was laid off for being, “emotionally unbalanced “, after two days….so I guess what I’m trying to say is, CHL does suck and they are unethical and immoral in both aspects. I would like to apologize in advance to all the customers I screwed over and upset while working at such a horrible company. I now work for Capitol One Auto Finance and love every moment I’m at work, no one could ask for a better job. I worked in the CHL office in Plano, TX in the CMD department.


Left: March 28, 2005 By: jerry In: manchester

Im the chairperson in charge of accounting department in united kingdom responsible for given out business,personal,home,car loan/mortgages,i need serious persons only cll me on my office phone
+447831946930 or reach me on my contact ad
legalloan@post.com
therealloan@financier.com
City manchester
Region United Kingdom



Left: March 24, 2005 By: DB In: Texas

Nice try with that story... wierd, huh? I mean you blast onto this website and slam the owner for not using his name? And you won't give yours?

"The Truth"??? Is that what your momma named you? Hey, lay off it. I can attest to several mistakes being made by Countrywide... they're human like us. The big difference is that we all are better when we own up to mistakes and pay for them. So far, I've yet to find someone at Countrywide with the courage to do that.

It's as if there's a culture in the company that promotes this stuff. I guess anything is possible.


Left: March 23, 2005 By: The Truth In: Dallas

To the owner/author of this website: If you have any balls whatsoever, you will place your name on this site. But you won't do that because a CHL employee will look up your account history and prove you to be a total liar/moron/dumbass. The bottom line is this - if you don't fulfill the obligations to which you agreed (i.e. the mortgage you signed), the lender will foreclose on you. If someone wants a free ride, I suggest they look into HUD Section 8 or some other form of welfare.


Left: March 21, 2005 By: Roy In: Dallas, TX

How wierd about the airline miles. Same exact thing happened to us in Dallas. The branch that took our application balked at paying for the miles. We fought our way up the ladder and got em, all 16,000 miles! Go get yours, too!


Left: March 19, 2005 By: DB In: Texas

Another screw up from Countrywide: when we applied for our loan through Full Spectrum Lending (their subsidiary), Countrywide had a sales promotion where they were giving away American Airline miles with every new home loan.

After we closed, the branch that wrote our loan refused to give up the miles and said in essence "too bad"...


Left: March 16, 2005 By: Al on the Southside In: Corpus Christi

Countrywide has not been too bad to me. They were courteous when I took out my loan and have been nice on the phone. I do have some serious concerns over their accounting practices and recordskeeping. I sent $1,500.00 extra principal payment with a brief letter during the middle of the month. I clearly explained to apply all of it to principal as I was intending to make my normal monthly payment next week as usuall. Well they applied it to the monthly note, I keep paying extra principal every couple weeks & they kept messing up the funds allocation. I didn't say anything since bottom line the money is getting into my account. They kept sending me invoices of money due very far into the future. I pay my bill every month + a lot more. It came to a point where according to their statements & didn't need to make any payments for 8 months. The idiots, everytime I paid extra they would charge future interest that hadn't been accrued yet. Three months later I get a letter saying they have received my written dispute & will research an answer accordingly. I never disputed anything or send them any letters or called them. They fixed the problem and never sent me their answer like they promised. Everything worked out fine but I am nervous at their slopiness & them making up excuses for their mistakes.


Left: March 16, 2005 By: DB In: San Antonio

WAIT... Before you close on ANY loan with Countrywide or Full Spectrum Lending (their subsidiary) make darn sure they have given you an iron-clad, rock solid guaranteed approval agreement in writing.

We spent months working with a Full Spectrum Lending mortgage officer negotiating our deal and working our butts off to improve our credit rating. Imagine our excitement when we were finally approved (in writing) for 100% financing on a loan with NO pre-payment penalty!

Fast forward to just a couple of days before closing... imagine our shock when Full Spectrum Lending decided to instead require 5% down. Yep, more than $9,000 that we didn't budget for.

Furthermore, after scraping together $9K just in time for closing, NOW IMAGINE getting more than halfway through the closing and discovering a FAT pre-payment penalty of nearly $10,000 if we tried to re-finance within 3 years.

These folks suck. We were somewhat trapped and couldn't exactly just walk away. We alread lived in the home and the sellers had already completed their closing paperwork. Countrywide had us over a barrel.

Now, it's been more than one year later and we've had to struggle with extremely high payments that we only expected to make for 6 months until we could refinance somewhere else... yeh, it's too expensive for us to refinance.

Countrywide has agreed (verbally) to a friendly re-payment plan for a couple of our lates and we stuck with the plan... only to receive a nasty default and foreclosure letter today. The folks at Countrywide are scratching their heads trying to figure everything out.

Save yourself the aggravation: avoid Full Spectrum Lending and Countrywide all together. Find another way to achieve home ownership.


Left: March 08, 2005 By: RANDY SLATER In: HEREFORD


TO ALL INTERNATIONAL BROTHERHOOD OF ELECTRICAL WORKERS-I.B.E.W. and ALL OTHER UNION MEMBERS.

DO NOT USE THIS COMPANY PLEASE!!!

My home is in Texas and I live in California.It's rented out.Countrywide holds my 1st.I was trying to get a 2nd mortgage to payoff credit card debt.I was promised 3 weeks.Now about 6 weeks later it has fallen through.COUNTRYWIDE DOES NOT UNDERSTAND UNION!!! Or I cannot prove it,do not like Union.I had told 1 credit card company that I would payoff the loan at a certain time.Now late with fees and trying to get another loan going it'll make things worse.Please do not waste your time with any type loan with these people.Usually you get a voice mail,never a live person.Lots of times they'll call you back at the end of the day before their leaving if they have a question for you.A piss poor company.LAST,I WAS NEVER LATE ON ANY MORTGAGE PAYMENT.AS WELL,I WAS BORROWING EQUITY AGAINST MY HOUSE.GO FIGURE.




Left: March 07, 2005 By: I got your back!!!!! In: Dallas

I had a loan with Countrywide for 10 years. Never late always on time. I ran into some medical problems that got me 4 months behind. Countrywides Foreclosure Dept. Told me to get in touch with their Full Spectrum Lending Division for a refinance. Which I did. I refianced and signed my closing papers. 7 days later Countrywide foreclosed on my home. 2 weeks later I was evicted. The foreclosure dept. claimed they couldn't get the sale rescinded and they were putting it back into the hands of the refinance group (Full Spectrum Lending). I finally got through to the dept. called the Office of the President who stated that Full Spectrum Lending denied that I closed. Fortunately, I have all my documentation and I won my case by contacting the following: Texas Attorney General, HUD, Federal Trade Commission, Local Congressman and the activist group called ACORN.org this scares Countrwide!!!! more than any message board. Also, Call all of your local realtors and encourage them not to deal with Countrywide.


Left: March 04, 2005 By: Violated Employee Of MBNA In: PLANO

Well what can I say to truly express the evil thing that MBNA has become since it contracted with Countrywide Home Loans since 2002. At first they hired transferred employees from other existing departments claiming it "would be a great opportunity to join such a profitable company as MBNA and to have Countrywide employee help in this new venture. Little did we know the massive amount of overtime some would all be required to do in order to process and close large quantites of loans with high monthly goals, very little bonus incentive and absolutely some of the WORSE TEAM MANAGERS I have ever seen put into leadership positions. Well at least we were at one time paid for the overtime we worked even though most of it was unwanted (spending so little time with our families for days on end). As of December of 2004 we were told the work would still need to be accomplished within the day however we were no longer going to be paid overtime pay unless it was "pre-approved"..Those who don't work off the clock are put on written warnings for not accomplishly the huge amounts of work to make monthly goals and those that do claim their overtime (as little as 1 hour of OT per pay period) are either having their time cards denied or place on written warnings that if they claim any overtime that isn't "pre-approved" that they could be terminated from their jobs. They have set up a way to seldom give a pre-approval on overtime so that we are forced to work off the clock. So we are given a written for "not completing the work"..Now I can understand how this is a marvelous catch 22 that was probably thought up by some financial suck-up wannabee but it will only work for a short time. I urge the associates of MBNA to not work off the clock. If you are given a written warning for either of the above then absolutely DO NOT SIGN IT!!..Keep records of all conversations with management, save all emails and denied time cards regarding this subject matter. If you are forced into working off the clock then keep records of the time you worked, whom you talked with that denied giving you "pre-approved" overtime and keep good records...You are not alone..What goes around comes around and MBNA your time for fessing up to your immorality is just around the corner.


Left: February 27, 2005 By: Loving Countrywide In: Dallas

Below is a copy of an email sent to the owner aka whiner of this website on Feb 27, 2005 7:54 PM, CST

Hello,

Countrywide is voted the best of the best places to work. Countrywide is also the number one servicer and lender. Countrywide makes dreams come true to those that work hard and understand what it is to be financially responsible.

No matter how many web sites you put up, no mattter how much you whine, you will get no where. Countrywide continues to be number one and you will not be able to do nothing about it. Individuals like you never prosper!

Loving Countrywide,
Anomyous Like yourself.

P.S. If you really supported this site you would not hide from who you really are. At least state your name coward!


Left: February 20, 2005 By: so sweet In: hou

Its so funny how people can get on a web site and trash what people think, but the bottom line is, every one has things at one time or another that bother them, and if you dont live with these people and dont know hardships that they might be having then hoe can you get the whole picture. ps. to donald duck, sounds like you have little man sindrum, cause you know how they say a really rich man never talks of money, and those who have no money always talk of money. well what you think? and i didnt use one cuss word pretty good hugh? its so neet what a great brain will do!!


Left: February 18, 2005 By: Whell Huong In: SaneVille, TX

You are all a bunch of DUMB FUCKS!! Of course CHL will be on your ass when you owe money. If you can pay now, you should have not gotten you mortgage in the first place, and second, if you need a way out, look into BK before they start running foreclosure process and literaly have the Sheriff come to your house and kick your DUMB ASS out to the curb without warning.


Left: February 17, 2005 By: Ima Dumbass In: moronville

It's not fair! Countrywide keeps calling my house and harrassing me just because my mortgage is three months past due. I told them I don't have the money, but THEY WANT ME TO PAY ANYWAY!. This is ridiculous, I am going to get an attorney and sue their pants off!

What sort of business tries to make people pay money they don't have?


Left: February 17, 2005 By: Rob In: Dallas

"This is for DUMB ASS ROB FROM DALLAS. You are the idiot. "Banks, AKA: "Country Wide" creates money by monetizing debt." For example, if the Fractional Reserve is 10%, a bank that has on deposit $1 million (10% of $10 million) can loan an additional $9 million, money the banks don't actually have- they've created money! Checkbook money is ‘created’ by currency deposits. Commercial banks create checkbook money whenever they grant a loan, simply by adding new deposit dollars to accounts on their books in exchange for a borrower’s IOU. Money creation bookkeeping isn’t gimmickry. Far from it. Banks are creating money based on a borrower’s promise to repay (the IOU), which, in turn, is often secured or backed by valuable items the borrower owns (collateral). Banks create money by ‘monetizing’ the private debts of business, individuals and governments. That is, they create amounts of money against the value of those IOU’s. So it looks as though your the dumb ass for working for such a corput banking system."
You are stupid beyond belief. Regardless of how the banking system works, the borrower is still required to pay back their debt. Amazing, huh?

It would be nice if some of these morons could hear the excuses used by delinquent borrowers. I can just imagine calling your because your loan is 90+ days past due. The whole floor would be laughing at your reason for default - "I'm not repaying the money I borrowed because the banking system is corrupt."

Thanks for giving me a good laugh!


Left: February 12, 2005 By: Donald Duck In: Plano

I am fucking the shit out of 10 - 12 employees in the breakroom after we close. I think CW is a great company!


Left: February 11, 2005 By: kat In: spring

this is a reply to what specwar in dallas wrote. I am aware of how the rich get richer, and all of lifes little saying , being nothing is free, but what you falled to tune into when you logged on to this site is most of us are not asking for a free ride,but rather a fare ride, and if your dealings with countrywide have been on a good note I say good for you! then why are you on this site? most of us as you can see were not as lucky as you,and heres a saying for you, if it walks like a duck, quacks like a ducks, its usually a DUCK! PS. there are lots of rich people who dont have to step on people to increase there bank account.


Left: February 08, 2005 By: SPECWAR In: DALLAS

OHHHH, forgot to ad this....remember....rich people did not get rich by being nice, understanding or giving anything away!!!! Nothing is free in this world and all big business is corrupt to an extent....even the goverment my dear patrons.


Left: February 08, 2005 By: SPECWAR In: DALLAS

I have had a CW mortgage for 4 years. For 3 years I have paid late and once I was 2.5 months behind. I have always caught up with GIANT catch up checks....no one has foreclosed on me, treated me like crap, or ate my ass out on the telephone. I guess I'm just lucky or this is all bullshit. But, I am knocking on wood!!!hahaha!!!! ohhhh, by the way, quit taking prescription drugs...that shit will kill you. Eat right for a change.


Left: February 08, 2005 By: janet grotewold In: houston

Forgot to add this, I let them know that my ex used the money to take his gay lover on a cruise while i struggled to pay for medical bills due to losing a child to down syndrome. they said it was not their problem and I need to either come up with the money the GAVE TO HIM or be homeless. I also let them know that I have lupus, don't work but 1 day a week and am raising 3 kids without child support all because my ex pulled acts like this. They wouldnt even look into it. Basically he claimed some sort of fraud, cw said he claimed fraud, yet when i called the fraud dept, they said call the repay dept, who said call the fraud dept. they then asked me if i could go to salvation army or a church. I asked them about going back to the account that they gave the money to in error. they just dont get it.


Left: February 08, 2005 By: janet grotewold In: houston

Here is the ultimate. I was LEGALLY MARRIED and had been keeping two months ahead on my account. Went to court for a divorce to be finalized with a payment agreement in place between me and my ex. The next day, my ex called COUNTRYWIDE'S fraud department and demanded back two months worth of payments HE ALREADY MADE!!! I am now 2500 in arrears because they didn't bother to check out his story. THEY HAD THE MONEY IN THEIR HANDS, GAVE IT BACK AND ARE NOW THREATENING TO FORECLOSE ALL DUE TO THEIR BAD JUDGEMENT!!!!Furthermore, all they can offer me due to their screw up is a repayment plan where I pay back their mess in 6 months. They said they can give back any borrower any money they request. I then requested my 20% down payment plus 5 years of payments that was made on my signature and guess what???They hung up!! They suck. don't do business with them. they will not correct their own errors.


Left: February 08, 2005 By: KAT In: SPRING

WHY ARE THE RICH ALWAYS GETTING RICHER ? BECAUSE OF PEOPLE WHO WORK FOR COMPANIES LIKE COUNTRY WIDE HOME LOANS, I HAD A LATE PAYMENT FOR THE MONTH OF JAN, AND WAS GOING TO SEND THEM JAN, AND FEB, PLUS THE LATE FEE, WE HAD SOME HARD TIMES IN OUR FAMILEY, AND THE JAN CK BOUNCED, WE TOOK A 15 YEAR LOAN OUT, IN 98' SO WE DONT OWE THAT MANY YEARS, BUT THE FACT OF THE MATTER SEEMS TO BE AS THE YEARS GO DOWN ON OUR MORTGAGE THE WORSE WE ARE TREATED, GUESS THEY FEEL LIKE ONE OF THER MONEY MAKERS IS SLIPPING AWAY, BACK TO MY STORY, NOT ONLY WAS I NOT ABLE TO MAKE JAN PAYMENT OVER THE PHONE, THEY WOULD NOT TAKE FEB EITHER UNTILL I GAVE THEM A MONEY ORDER FOR THE JAN PAYMENT, PLUS A HUGE LATE FEE, AND THE CK CHARGE, BUT THEN SAID I COULD MAKE FEB PAYMENT OVER THE PHONE AFTER THEY GOT THE MONEY ORDER , A FEW THING ARE WRONG WITH THIS, ONE IS THEY MADE ME GO THROUGH ALL THIS TERM OIL, WHEN IN FACT THEY COULD HAVE JUST LET ME PAY 2 MONTHS AT ONE TIME , WE HAVE FOR 7 YEARS ALWAYS PAID THRU TAKING IT OUT OVER THE PHONE, BUT WHERE IS THE LOVE FOR ME. WHEN I WAS STRUCK WITH SOME HARD TIMES YOU WANT ME TO WAIT TILL THE MONEY ORDERS GET TO YOU , THEN YOU HAVE NO PROBLEM GETTING FEB PAYMENT OUT OF MY BANK, WELL THE MONEY DOESNT CHANGE COLORS IN A WEEK , IN A NUT SHELL I FEEL LIKE AFTER 7 YEARS I SHOULD HAVE BEEN TREATED BETTER, THE PEOPLE UP THERE NEED TO LEARN THAT IF YOU HAVE TO TREAT PEOPLE LIKE THEY ARE JUST ANOTHER PHONE CALL AWAY FROM THERE PAY CHECK, THEN MAYBE ITS TIME TO LOOK FOR ANOTHER JOB!!


Left: February 05, 2005 By: Ted In: Houston

Generally speaking, the bigger the bank/financial company, the more they are screwing the consumer. Have you ever really read your credit card agreement? It basically says that they can do whatever they want, change terms, change rates, reduce credit limits, for whatever reason. This is not an exaggeration. Have you looked at your Truth in Lending disclosure? You basically are paying at least twice what the home is worth due to interest. Countrywide Im sure engages in unethical practices, but probably no more unethical than Wells Fargo, Citibank, Bank of America, etc. Banks and oil companies are robbing consumers blind, legally of course. But that is the nature of their business.


Left: January 31, 2005 By: eliminate your debt In: do it now

Country Wide Is Stealing Your Money!

Did you know: every bank “loan” in this country is a fraud; the banks are stealing your quality of life and future labor by concealing vital facts from you when you apply for a loan! Read the facts below and judge for yourself.

Fact 1: For a valid loan to exist, both parties involved must incur a risk. If one party has no risk, there is no equal protection under the law.

Fact 2: For a valid loan to exist, there cannot be an equal exchange. If you hand me $10 and I simply give $10 back to you, there is no loan. It was an exchange of equal value.

Fact 3: For a valid bank loan to exist, the bank must loan you either the bank’s funds, or other depositor’s funds.

Fact 4: When you sign the promise to repay the loan (promissory note), the bank deposits that promissory note and enters it as an asset in their ledger, just as if you had given them a check or cash. It is important that you understand this – by depositing your promissory note, the bank creates new “checkbook money”, which they then give back to you and call it a loan!

Fact 5: After the bank deposits your promissory note, it creates new “checkbook money”, which they use to fund the so-called “loan”. The bank then demands that you pay them the principal amount, plus interest, even though they never loaned you anything that belonged to them or their depositors. The bank never risked ANYTHING!

Fact 6: If you ask your bank where the money came from to fund your loan, they will tell you that it came from the bank’s funds, or other depositor’s funds. This is a lie, and they will not show you their ledgers to support their claim.

Fact 7: The bank did not disclose in your loan agreement that your promissory note would be used to create the money/checkbook money used to fund the so-called “loan”.

Fact 8: The bank did not incur any risk; they never loaned you the bank’s funds, or other depositor’s funds.

Fact 9: Thousands of people across America are waking up to the truth and successfully canceling their bank “debt” because of the fraud on the part of the banks.

Let’s say that you deposit $100 into your checking/savings account and return a month later to withdraw the funds. Would you let the bank return the $100 to you as a loan and charge interest, or would you demand that they give you back the funds you deposited? Nobody in their right mind would allow the bank to loan them their money back! Yet the bank hides vital facts every time they issue a “loan”, by stealing and depositing your promissory note, and then loaning it back to you with interest!

America, it is time to wake up! Just think, within a few short months, your life could be changed forever! Do not hesitate; your actions today will forever affect the security of you and your heirs. Instructions and message boards are freely given at the website below:


www.suijuris.net/debt



Left: January 31, 2005 By: Customer eliminating his mortgage In: somewhare in tx

This is for DUMB ASS ROB FROM DALLAS. You are the idiot. "Banks, AKA: "Country Wide" creates money by monetizing debt." For example, if the Fractional Reserve is 10%, a bank that has on deposit $1 million (10% of $10 million) can loan an additional $9 million, money the banks don't actually have- they've created money! Checkbook money is ‘created’ by currency deposits. Commercial banks create checkbook money whenever they grant a loan, simply by adding new deposit dollars to accounts on their books in exchange for a borrower’s IOU. Money creation bookkeeping isn’t gimmickry. Far from it. Banks are creating money based on a borrower’s promise to repay (the IOU), which, in turn, is often secured or backed by valuable items the borrower owns (collateral). Banks create money by ‘monetizing’ the private debts of business, individuals and governments. That is, they create amounts of money against the value of those IOU’s. So it looks as though your the dumb ass for working for such a corput banking system.


Left: January 30, 2005 By: Not Stated In: Dallas

I have been an employee of Countrywide Home Loans since 1998. I am sickened by the means they take to force employees to work off-the-clock and not claim overtime pay on their time cards. We are told "the work has to get done somehow" yet if we claim any overtime we have worked we are told that our time cards will be denied and our pay checks held up. I have emails, tape recording of managers threatening to put the employees on written warnings if they do not find a way to get the work done in their 8 hour shift or find a way to do it off the clock. This is unfair to the employee, the customers and our families whom do not benifit one penny from this. This is a billion dollor company whose managers and VP's make unheard of big bonuses off the sweat of their overworked employees. I wish the labor board or an attorney could see and document what is happening. It is illegal and only within a matter of time when enough employees get together to lauch a class action law suit will this be stopped.


Left: January 29, 2005 By: EmployeeONLYbecauseOfMoney In: Dallas

One last thing....I am sure I will NOT get my back pay that they OWE me because I quit...5 LONG years of hell working there...wasn't worth another day there to get my pay...live and learn, should have left years ago.


Left: January 29, 2005 By: EmployeeOnlyForTheMoney In: Dallas

I wrote that about a month ago and forgot to post it. I quit a few weeks ago and finally FREE. The money was good while it lasted, but I am very happy to be out.


Left: January 29, 2005 By: EmployeeONLYbecauseOfMoney In: Dallas

I am an employee of Countrywide and have been for years. Any story that you hear about how poorly they treat their employees is 100% accurate. Let me give some examples of what a pathetic company it is to work for.

1. If we miss our numbers because of VACATION or SICK, you will be written up. This very unethical practice is still in effect. One guy was written up for missing his numbers because he was getting MARRIED. Sme people will read this and go no way...trust me it is.

2. If you are sick on a MONDAY were were told we had better be in the hospital.

3. They cut our commission 54% in ONE day with zero discussion.

4. They FORCED us to work overtime, 6 days a week with no overtime, hence the class action lawsuit. Now that they have lost the suit, we were told that OUT OF FAIRNESS, THEY WILL GIVE US WHAT THEY DEEM FAIR FOR BACK PAY. It seems to me if they were doing something illegal, and were busted for it, they should be required to pay us what they owe.

5. They listen to your calls, and if you miss ONE word on a wrap up script, a notice will be sent to the top managers. Mind you, I have a 4 year degree from a very good university and very bright. Quite frankly, brighter than most CMD managers. Yet, we are literally treated like 12 year olds.

6. We were told when we were hired...IF YOU ARE NOT HERE FOR THE MONEY, YOU ARE WORKING FOR THE WRONG COMPANY. Why not just come out and say, we are total and complete asses, horrible managers with zero regard for you or your family,and we will pay you more to make up for it.

7. The policy to not pay you for commissions on loans already FUNDED is so they can put pressure on people not to leave as they know they will forfeit money that they earned. Blatantly unethical.

I could go on and on. Countrywide's reputation as an uncaring sweatshop is well earned. How Angelo can look himself in the mirror each morning is mind boggling. I would be disgusted with myself if I owned a company and treated people so poorly. It is truly pathetic.


Left: January 29, 2005 By: EmployeeONLYbecauseOfMoney In: Dallas

I am an employee of Countrywide and have been for years. Any story that you hear about how poorly they treat their employees is 100% accurate. Let me give some examples of what a pathetic company it is to work for.

1. If we miss our numbers because of VACATION or SICK, you will be written up. This very unethical practice is still in effect. One guy was written up for missing his numbers because he was getting MARRIED. Sme people will read this and go no way...trust me it is.

2. If you are sick on a MONDAY were were told we had better be in the hospital.

3. They cut our commission 54% in ONE day with zero discussion.

4. They FORCED us to work overtime, 6 days a week with no overtime, hence the class action lawsuit. Now that they have lost the suit, we were told that OUT OF FAIRNESS, THEY WILL GIVE US WHAT THEY DEEM FAIR FOR BACK PAY. It seems to me if they were doing something illegal, and were busted for it, they should be required to pay us what they owe.

5. They listen to your calls, and if you miss ONE word on a wrap up script, a notice will be sent to the top managers. Mind you, I have a 4 year degree from a very good university and very bright. Quite frankly, brighter than most CMD managers. Yet, we are literally treated like 12 year olds.

6. We were told when we were hired...IF YOU ARE NOT HERE FOR THE MONEY, YOU ARE WORKING FOR THE WRONG COMPANY. Why not just come out and say, we are total and complete asses, horrible managers with zero regard for you or your family,and we will pay you more to make up for it.

7. The policy to not pay you for commissions on loans already FUNDED is so they can put pressure on people not to leave as they know they will forfeit money that they earned. Blatantly unethical.

I could go on and on. Countrywide's reputation as an uncaring sweatshop is well earned. How Angelo can look himself in the mirror each morning is mind boggling. I would be disgusted with myself if I owned a company and treated people so poorly. It is truly pathetic.


Left: January 26, 2005 By: Rob In: Dallas

It's amazing how many stupid people don't understand how a loan works. I am particularly amused with Judy's story. I worked in collections at Countrywide for 4+ years and I can honestly say that 95+% of these people with horror stories are just whiners who don't understand that they HAVE TO MAKE THEIR PAYMENTS EVERY MONTH.


Left: January 08, 2005 By: Wayne Wendell In: Dallas

I have been nothing but pleased with Countrywide. After reading numerous stories posted on this website, it is painfully obvious that a majority of the complaints stem from lack of education on the complainants part. Please know the facts before making assumptions!!!


Left: January 04, 2005 By: ex-CWB employee In: Dallas TX

CFC has a banking division & I have been working with them for 2 years in the Dallas branch. Let me tell you something REALLY interesting ... Countrywide Bank (CWB)'s targeted banking customers are the seniors. I know they do offer great CD rates but if you go to ANY branch to open any account, YOU WILL BE GIVEN A LOWER CD RATE! The higher rates is posted on CW's website & you can get the same rate when you call the call center. Dallas is the # 1 branch in the US, but my heart goes out to those folks who walks out with a lower CD rate. I did complain about the treatment to the customers, and we were told NOT to inform customer of the higher rate. If you know anyone who opened any CD accounts recently, please inform them.



Left: January 04, 2005 By: ex-CWB employee In: Dallas TX

CFC has a banking division & I have been working with them for 2 years in the Dallas branch. Let me tell you something REALLY interesting ... Countrywide Bank (CWB)'s targeted banking customers are the seniors. I know they do offer great CD rates but if you go to ANY branch to open any account, YOU WILL BE GIVEN A LOWER CD RATE! Te higher rates is posted on CW's website & you can get the same rate when you call the call center. Dallas is the # 1 branch in the US, but my heart goes out to those folks who walks out with a lower CD rate. I did complain about the treatment to the customers, and we were told NOT to inform customer of the higher rate. If you know anyone who opened any CD accounts recently, please inform them.



Left: December 30, 2004 By: You people are a joke.... In:

You clowns need to quit playing the victim. Your probably the type of customers who have been late on your payment or the type of customer that thinks they owe you something for making your payments on time....which is what you agreed to do when you signed the note. You people are a joke! Quit playing the victim and take responsibility for yourself.


Left: December 29, 2004 By: Glenn L. Jackson In: San Antonio, Texas

Please if there is a class action law suit please place my name on the list


Left: December 29, 2004 By: g.webb JD In: houston, tx

countrywide homeloans,predatory accounting to cause foreclosure. claiming that there is a small difference in your escrow , then not cashing your checks and then foreclose on you to prevent refinance and that causes a chapter 13 bancruptcy which ruins your credit for a long time and raises the % if you are lucky to get another loan....your life is screwed up.we call them white collar -criminals...they should be in jail.


Left: December 22, 2004 By: sarah In: ft worth

Our first mortgage was transferred to Countrywide in November of 2004. Our first payment to Countrywide (due 12/01) was posted to another borrower's loan which had been paid in full for a year and 1/2.

We were notified of this error by Countrywide's Collections Dept calling us non stop accusing us of not making our payment. After Bank of America sent all of the needed documentation for them to locate the payment they had misapplied we were told it would take 3 business days to correct and the calls would stop immediately. It is now 3 weeks later and we are again receiving threatening calls from Countrywide's Collections Dept.

Last night the Collections Dept. informed us that even if this is not fixed by the end of the month we will have a late payment reported to the 3 major credit bureaus because they are unable to waive late fees or put a stop to the collecting due to our 'loan type'. My husband, who is a Vice President of Default at a top 25 mortgage company, and I have both been in the mortgage servicing business for 10 years so we know this is not correct.

To date we have not received a welcome letter from Countrywide which is a violation of RESPA. They are also about to double pay my tax bill despite the fact that I have faxed in proof of payment numerous times. I cringe at the thought of them servicing my loan.




Left: December 07, 2004 By: Decline--Former Employee In: Decline

I'M FREE!!! I BROKE OUT OF PRISON!!! If you like working in fear on a daily basis...Countrywide's your place! I have worked in all types of corporations and NEVER, NEVER have I had to deal with so much garbage and lies every freaking day.

Countrywide's Plano corporate building may look welcoming and fantastic on the outside...but you'll feel sorry once you get hired inside! Employees march like ants to get into the building, eat fast in the cafeteria, and march fast out of the building to go home.

Oh, don't worry about whether or not you'll get hired--they choose ANY BODY. Countrywide holds a job fair almost every week looking for poor suckers desperate for a job. Watch out--you WILL sign an "Arbitration Agreement" first before receiving an application...bad sign (high turnover).

Many of those people I worked with slept during "Professional Etiquette" class. When was it okay to talk to managers with all kinds of slang and curse words? Some of those people probably worked at your local fast-food joint where it was hard to say, "May I take your order?".


Let's describe the interior...it's ALL GREY: the bathrooms, carpet, walls, cubicles and chairs. The designer must've smoked crack while on the job because every single floor is the SAME COLOR! If you like mazes, get ready for this one! Since every floor is designed the same way--you HAVE to ask someone how to get anywhere! Guess what, even THEY don't know!

The parking garage is a death trap. Somebody decided to throw some concrete together and didn't realize how many parking spaces were needed. It's a nightmare because people double and triple park ANYWHERE they can! I've seen people literally get out of their cars and help others back out so they could go home!

I will generalize about every kind of job there...YOU WILL WORK IN FEAR! Countrywide LOVES Texas' "AT-Will" policy...you can be fired for any little thing. Managers and stupid "Team Leaders" watch you constantly by walking down the aisles making sure you stay chained to your cubicle. Don't be fooled--when they order breakfast, lunch and dinner for employees--the goal is to stay on the floor working without a "lunch break"--and, I don't think you're allowed to record it on your timesheet either! Ladies and gentlemen, sweatshops are NOT a thing of the past...

Also, some divisions like to give out "Perfect Attendance" Certificates, gift cards and balloons to hypocondriacs. Don't EVER get sick because if you tell them--plan on getting the cold shoulder for days or start looking in the employment section. Temps and contractors (floaters directly hired by Countrywide) get treated like *%^$ all the time. Their ONLY "benefit" is that they get to work WITHOUT benefits--you know, be grateful that you're working for Countrywide, period. All of the floaters I've worked with as a full-timer regularly quit.

If you need assistance from HR--you'll win the lotto first. They are of no help whatsoever! If you ask them a question, they LOVE one-word answers...usually "no's". Some of those secretaries sarcastically treat you like an idiot behind the window.

I wish while I was sitting there (forever) waiting for an interview that someone would've shouted at me to run out of there. I guess you live and learn. I learned VERY quickly that no one should be treated like crap and feel stressed out BEFORE driving to work. Oh, and yes, I did read from another former employee about the number of defribillators in the building...it's ALL TRUE in Plano too! I've seen more of them than fire extinguishers! Gives you a HUGE indication of what it's like working there...

Here's the employee motto at Countrywide: the quality of work doesn't matter or how good you look doing it...if you don't produce massive quantities of work in an impossibly small amount of time...take it from Mr. Trump, "You're Fired!"





Left: November 09, 2004 By: Not Buyin' It In: Dallas

I meant to say the first post on here, the one from Judy in Mesa, TX. What a whacked out nut.


Left: November 09, 2004 By: Not Buyin' It In: Dallas

That last post is ridiculous.
First of all, bankruptcy does not have anything to do with your house or mortgage, whether it is chapter 7 or chapter 13.
Second, how could it have been discharged but somehow you still own the home?
Third, if you were renting this place out and receiveing rent check from the tenant but he was also making the mortgage payment, don't you think he would have said something.
Fourth, the mortgage company cannot deal with anyone other than you or your representative and would have had no authority to take money from your tenant since you were "supposedly" the holder of the title.
Fifth, you may want to make sure that you are current on your taxes :)
Sixth, if anyone belives this B.S. or anything else on this site, then you are an idiot.

Fact is: you have the mortgage, you must make your payments....PERIOD!!! END OF STORY!!! If you don't, then stop whining.


Left: November 05, 2004 By: Gerald In: Colorado

I am sorry to hear some people out there find it necessary to talk so poorly about a company due mainly to there own misfortune, such as missing a payment or four.. I dont believe any of the top mortgage lenders would give you the least bit of sympathy. Your loan payments are not kept by the mortgage lender, they simply service the loan for you. I am sure you would be less than appreciative if someone owed you hundreds of thousands of dollars. As for the disgruntled ex employees, I am guessing you have never worked anywhere else prior to going to CHL. I personally have worked for some pretty bad companies myself, working for a direct lender is a priveledge in comparison, do your job and provide the customer service you would expect for yourself, it is your business, do it well, you have the means. The moral of the story is, when you are at the closing table, read what you are signing, make sure your fees are correct, and most importantly, make your damn payments. If you rented a house, you would be out on your ass, where is that web-site




Left: October 21, 2004 By: In: houston

not everyone at this Company is evil and not every homeowner is unhappy. I have been at the company for years on the origination side and I am very successful. My customers always come back to me and my business is great. My direct upper management is great, not sure about the other divisions. I also read the unhappy customers bit%&*%#@ and working in this business alot of people are misinformed about how a loan work and what happens when you can't make your paymets. I love this place. Its a known fact that a broker overcharges, so he can smile to your face and charge you thousands of dollars to much and thats ok because he was nice about it.


Left: October 04, 2004 By: Judy In: Mesa

I purchased a home in Converse Texas and my loan was sold to Countrywide. Due to a crazy exhusband, I had to leave Texas. I rented my house out through a real estate person. A few months later, I had to declare bankruptcy due to this ex-husband. I'll spare you the nasty details. This husband was not on the mortgage.
The mortgage WAS discharged in the chapter 7.
Last June, while applying for a student loan, I noticed that Countrywide was still reporting the mortgage payment to the credit bureaus and I was current. What a surprise that was. I attempted to update the credit bureaus, but was told that Countrywide stated that the info they were supplying, was in fact, correct.
I contacted Countrywide and was told that the fact that I had filed bankruptcy did not change the fact that I was still responsible for the debt.
I then found out the name of the renter and much to his dismay, found out that he had been dealing with countrywide the whole time--they even were taking money out of his checking account for the mortgage payment. When I raised a stink about this whole thing, they then decided to foreclose on a property that had been discharged in bankruptcy 7 years prior.
I wouldn't do any sort of business with these people. They are still reporting to the credit agencies that I am in good standing and refuse to remove the incorrect info from my records..It made it a nightmare to try and explain this to a potential lender when I just purchased a home

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