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Countrywide Home Loans Complaints - Late fee rip-off!

Review all Countrywide Home Loans complaints

Countrywide Home Loans

Posted: 2007-02-19 by Dickman Neal E [send email]

Late fee rip-off!

Complaint Rating:

This complaint is against Countrywide Home Loans. Countrywide posts there payments late to intentionally charge customers a large late fee. This has been done to me numerous times. I would warn anyone against taking a loan with Countryside Home Loans. There practices are deceptive and rip off the customer. Anyone taking a home loan - Stay far away from Countrywide Home loans. They will not post their payments timely even when provided with bank information.

The company address is:

Countrywide Home Loans
Po Box 660694
Dallas, Texas 75266

This consumer complaint will save other customers from having the same problems.

Comments

United States

Loans

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More Countrywide Home Loans complaints

Countrywide Home Loans - Illegal/unethical practices, predatory lending

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Countrywide Home Loans - Bait and switch on home loan

Countrywide Home Loans - Slow response!

Countrywide Home Loans - I completed all necessary paper work they took my money for the appraisal and i never heard from them again

Countrywide Home Loans - Scam billing!

Countrywide Home Loans - Out to get your home!

Countrywide Home Loans - Fraud and cheating!

Comments

174 days ago by Laura4 [send email]
Correction! Countrywide Hom Loan Customer Service fax number is: 805-520-5019. The 800 number I posted earlier (805-520-5019) was a phone number for CHL...but not a fax. Yet they are the ones who gave it to me...as their fax number. Can you believe it--sheesh.

174 days ago by Laura4 [send email]
Correction! Countrywide Home Loan Customer Service fax number is: 805-520-5019. The 800 number I posted earlier (805-520-5019) was a phone number for CHL...but not a fax. Yet they are the ones who gave it to me...as their fax number. Can you believe it--sheesh.

164 days ago by Melissa Amrstron [send email]

RECIEVED A LETTER ON SATURDAY STATING THAT CW HAD PAID MY REAL ESTATE PROPERTY TAXES FOR THE ADDRESSED PROPERTY,BY THE WAY FOR WHICH I RENT....HAHA. THEY SAID IN THIS LETTER THAT THIS HAD OCCURRED WHEN MY PARCEL NUMBER WAS ERRONEOUSLY ENCODED ON THEIR SYSTEM UNDER THE ABOVE MENTIONED REFRENCE NUMBER, WHICH LED TO THE INCORRECT PAYMENT FROM THEIR HOMEOWNERS ESCROW ACCOUNT. THEY SENT A COPY OF THE CHECK AND DISBURSEMENT LISTING AS PROOF OF THIS PAYMENT THEY MADE. THEY SAID THAT THEY ARE REQUESTING A CERTIFIED CHECK IN THE AMOUNT OF 3540.54 TO BE SENT TO THEM. I TRIED CALLING THEM BUT THEY GIVE ME THE RUN AROUND,SAYING THAT THIS IS MY BILL, WHICH LIKE I SAID I AM A RENTER AND BY THE WAY I DONT OWN A PIECE OF REAL ESTATE PROPERTY MUCH LESS THIS HOUSE. SOMEONE NEEDS TO GET THESE PEOPLE STRAIGHT. THE HOMEOWNER EVEN SAYS THAT HE HAS NEVER DEALT WITH CW, HE IS FINANCED WITH SUN TRUST AND RECOMMENDED THAT I NOTIFY THE CREDIT BUREAU IMMEDIATLEY TO PUT A CREDIT ALER ON MY FILE JUST IN CASE THEY TRY TO PLACE A JUDGEMENT AGAINST ME. PLEASE PEOPLE BE CARE THIS COMPANY IS CRAZY.

148 days ago by Marianne Keim [send email]

I have been attempting to negotiate a SHORT PAY OFF SALE for a friend of mine Brenda Esprit on a house in Brandon, Fl. for 6.5 months now. A vicious battle with Countrywide...after getting a new Loss mitigater and second BPO for this property, we finally come to a verbal agreement of $127, 000. for a 244, 000. mortgage incl arrears amount...To make long story short I had my ducks in a row...house is only worth 130 now, house was in deplorable condition to start with so appraisal was probably fudged, house is in worst shape now, borrower has a TRUE hardship but did try for 5months to modify with Countrywide. So finally we come to an agreement on price but I cannot get it in writing for 3 weeks and low and behold 1 week before the court house steps, he comes back to me and says the PMI company wants Brenda to sign a $45, 000. promissory note...I feel they backed us into a corner at the last minute so we would sign...The owner of the AGI co., the one that carries the PMI Insurance actually told me...Oh this is Florida, a much better state to collect unsecured promissory notes in value and time so we are going to go after her.
Marianne Keim 813-690-7399 Brenda's Loan # 119145514 countrywide.

144 days ago by Tammy [send email]

I agree with everyone who has made a bad comment against Country Wide. My father goes through them and has for about three years. Every thing that everyone has said against them has happend to him. They have tried to take his house away from him so many times that its crazy!!! They said that my dad has been late on his payments and he has never been late. I know because im the one that takes his money and pays his Payment for him. He is a truck driver and isnt home to make his payments on time so he has me do it for him and i have never been late on his payments. I always have it too them early. So anyone thats with Country Wide needs to just sale there house and move on.

143 days ago by Riki Rudolph [send email]

I truly agree with all of you and i feel for you all as well just a few hours ago my sister Tammy posted a blog I dont agree for anyone to sell their houses and move on we have to fight these Tirants to the fullest ability to bring them down.. I have just recently helped my father get a loan mondification they had sent us paper stating that both loans, which there was only supposed to one loan to begin with, Were accepted for the loan modification...And the reason why we had to get the modification was, they were goring to forclose on his home over 11 cents that was not paid on one of the loans...I got all of our recitptes together and had to bare the proof that we had every single house payment in on time...then my father had to pay out 1, 400.00 to bring the house back out of forcloser..And that was the first time they tried to forclose sorry, , , he just had to pay out 2.100.00 this last time for the modification...and that was at the ending of this last year...now Today we just got a payment returned to us stating that it was not the right amount that should be paid...Also for the last few weeks we have been fighting them because they are now saying that we are 12 months behinde again, , , AGIAN!! there was never a first time we were behinde...so once again we are fighting them cause they are trying to take our home!!! I am tired of there Shit as well I am in the process of finding a lawyer to fight off these wolves!! Im tired of the mental anguish that these people are putting us thought my father is a hard working man and does not deserve this crap to happen...He is out working his heart out for me and my sister. I have a chronic kidney disease, and my new nephew is on oxygen...And this is the kind of stress we as a family dont need... IM DONE! NO MORE MRS> NICE RIKI IM FIGHTTING BACK AND COUNTRYWIDE WILL BE HEARING FORM OUR LAWYER!!! OH AND TO TOP OFF EVERYTHING AFTER MY DAD PAYS THIS HOUSE OFF THAT WAS MADE IN 1937 HE'D PAID 333, 345.00 FOR THIS SHACK OF A HOUSE... WICH ITS NOT WORTH IT!!

123 days ago by Brandon L. Clark [send email]

I am about to file a lawsuit against Countrywide for refinancing scam. If you have information that you can share, please feel free to contact me by email at BLC4law@aol.com This company engages in absolutely deceitful, fraudulent conduct in my experience. They charged us a refinancing fee of $435 then sent us a loan application they wanted me to sign saying that I had a $30, 000 savings account (along with a lot of other mistakes). When I pointed out all the mistakes, they refused to communicate with me at all and still have not to this day. Except! Except for the fact that they sent me a Notice of Default indicating their intent to foreclose on my property -- after lulling me into thinking that we were all on good terms because the refinancing process was underway! Utter thieves. Please share any information with me. I'm sure everyone knows that the FBI is investigation some facets of this business and I'm sure with just cause. -- Best regards Brandon, Brandon L. Clark, www.brandonlclark.com EMAIL BLC4law@aol.com

122 days ago by Violet Lake [send email]

We are having similar problems with Countrywide. Our initial payments were $1800 per month on a 3 year ARM. We got about 1 1/2 years into it and the payments skyrocketed to $2600 per month. That's almost a $1000 extra per month!!! We cannot afford it any longer. We have been making payments on time with that rate for another 7 months but we can't do it anymore. We are going to lose the house and have no idea where to go. We have a $30, 000 penalty if we sell it. I live here with my daughter, son-in-law who is dying of cancer in the next few weeks, my granddaughter, her husband, and their 4 children. I'm going to a retirement home but what about them? Countrywide is in the business to make people homeless.

122 days ago by Anothervictim [send email]

Countrywide has charged additional fees on both of my mortgages, my home and an investment property, after I was informed by the rep. of Countrywide, after I refinanced, that both of my mortgages would decrease after the first year. I was even given actual numbers. Instead, Countrywide has claimed I have an escrow shortage. I have also had a decrease in my insurance and Countrywide has charged me more on my mortgage. My documents show otherwise. I am hoping an attorney can find their misappropriation of funds.
By Law, any mortgage company has the fiduciary duties to apply the received monies to the areas requiring payment. If they do not apply the correct amount, this would then be a "Breach of Contract, on Countrywides behalf. Again, by law, the company would have then broken the law. Breach of Contract would stand up in any court, as long as there are documents to back one up.
The only solution I have for any and everyone filing a complaint, as I, would be to obtain an attorney. Be sure to obtain every document involved with your loan. It is vital to any case to record names and i.d. numbers of those you speak with as well as the times and dates of your calls and/or letters. Obtain original documents of Insurance Dec.Page, Property Taxes and interest charged on your loan/s. Give all of this information to a reputable attorney, not one that is a "good deal", for you may lose. When you find out if you have a case against Countrywide, post the results of your legal findings wherever you have filed complaints. I am in the process of consulting with an attorney and will be more than happy to post any information I may have to assist others. I am located in Mississippi.

108 days ago by Dennis Goldman [send email]
They were so suppose to pay our home insurance from escrow that we paid monthly and did not do it. We had gone months without home insurance and did not know it. The policy has lapsed so long that it is necessary to write a new policy. This is a real hassle. I would never use Countrywide again!

95 days ago by Cherie [send email]

I am one of the lucky individuals who had been in bankruptcy and was forced by Countrywide to either sell my home or refinance it. Considering that I was in bankruptcy and completely without income refinance was not an option. The home was put on the market and sold at the max market value, once settlement came there was not enough monies to settle and pay off countrywide due to them tacking on approx 20, 000 from what was borrowed just 2 or 3 years prior. Countrywide refused to work with me and would not speak with me because I was in bankruptcy and therefore had to "get out" in order for them to speak to me concerning anything about the loan. After many weeks of motions and back and forth with the courts and attorneys for countrywide the sale fell though. The home was put back on the market several months later and sold for less than the first contract on the home. I had to file a motion to get permission to sell the home which countrywide filed motion to refuse to sell the home after many weeks and extreme stress on me, my attorney obtained an Order forcing Countrywide to sell the home and take what they get, release the home with no liens, etc. Again when the payoff was obtained it was several thousands more than the payoff figure that was given just one week prior. Absolute extreme fees were tacked on and I had no proof of the validity of these charges. Additionally all the motions and continuous fighting with countrywide's attorney and mine I was charged an additional 2, 000 for all this which I was not made aware of until day of settlement, well once again there are not enough monies to settle. With the court ordered payoff and the cost of selling a home, taxes and atty fees we were 12, 000 short. In order to settle this home the Realtors who have been tremendously involved in the sale and efforts to sell the home were not getting paid. According to the Motion to Sell, all incidentals relating to the sale of the home were to be paid and then down the pecking order. The home did finally settle however Countrywide refused to work with us to drop excessive fees...in addition to the emotional stress Countrywide has caused me for at least a year I had to pay additional 2, 000 and the commission to real estate company was not paid...Everyone needs to be aware of what this mortgage company is doing...I intend to file a lawsuit for the damages incurred...if anyone reading this has retained an attorney or any information that will help in pursuing damages against this company please contact me. I agree that this company needs to be brought to their knees and put out of the mortgage business, the CEOs and/or investors with this company need to be penalized for what they have done to consumers and the government entity which runs the mortgage industry needs to make sure that none of these individuals are allowed in banking or any profession related thereto ever again.

49 days ago by Alicia [send email]

I was coherced into a 2nd loan, with a very high interest rate. I have tried to re-fi, due to financial problems and although I continue to receive offers with a discount percentage, for being a current customer, CountryWide can never offer or help me to lower the interest rate on this loan. Never late or missed a payment. I understand there may be a lawsuit against CountryWide, it's about time!!!

48 days ago by Heather Barrett [send email]

I am attempting a cash out refi. I had an appraisal done when I thought of selling (came back at $115, 000) and was told BEFORE agreeing to the $350 processing fee, that my appraisal would be used since it was only two weeks old. The next time I heard from a Countrywide rep., it was to tell me that a "Drive by" appraisal had been done and my value came back at $50, 000! The rep. who took my file told me that they weren't able to use my appraisal after all. I found out that a "Drive-by'
appraisal is a Google Earth pull up of your home. I am still waiting to hear from the rep. about ordering a true appraisal. A drive by appraisal? They should be embarrassed.

3 days ago by Chris Lee [send email]

My complaint is the same as many of yours. Every month when I go to make my payment online the website is mysteriously not working correctly. It doesnt seem to get fixed until there can be a late fee tacked on. I called again today to complain and spent 1/2 hour on the phone only to be disconnected 2x. This has been going on for nearly one year. I will complain to everyone that I can about this worthless un-American company.

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