After my 2 year ARM loan adjusted from 6.8 percent to 9.9 percent, and getting hit with taxes and fees. My payment went from 2075.00 per month to over 3400.00 per month. Countrywide denied me a refinance. Debt ratio was too high I guess. Now my credit score lacks also. All because I have not made a payment to them in two months. We have been going back and forth over this damn loan modification deal. They have news stories. They have internet stories. The big ole president of countrywide himself has promised all us bums a pre approved loan adjustment. They state they want to help us get back on our feet. They want to avoid foreclosures. Well, I have done all they have asked me to do. They even have the latest pay stubs. They also don't have voicemail now. So when you need to talk to someone, you are placed on hold forever. Then, they get you some stupid moron that doesn't have a clue as to what modifications are. And that a loan negotiator will call us back. It takes a week sometimes. And, if you miss the call, cause lets say your at work, well, your shit out of luck. After two months of the paper trail, and phone calls, they tell us we ARE DENIED A LOAN MODIFICATION! We cant afford it. NO SHIT! Who can afford their house payment to double. All they have to do is lower the rate back to what it was, and we can afford our home. But now. They want foreclosure. I hear this is happening to alot of you out there. Its time to sue! They are rude, and they are full of empty promises. Countrywide is a fraud. They are not doing one loan modification. Its only to make them look good to investors. That is why they promise these loan mods. If you get one, let me know. See ya in foreclosure!

Well, where to begin. We had excellent credit- we purchased a home in 2002 in Missouri. Our first mistake was Countrywide. We were in formed in 2006- that we should have never gotten our loan due to ineligible house. At that time we wante to know why- apparently the apprasial company (they hired) had not put info in the first apprasial when we purchased the home ( a mobile home wall still existing in the walls). We know that they knew, because the apprasial people knew about the home when they did that "BAD" apprasial -we got that from the horses mouth themselves.
So, we got the loan no problem cause our credit is great. Only to find out when we tried to sell the home- that no lender, not even Countrywide- would give a loan to ANYONE on our house!!! no banks would touch it because of the apprasial problems. Needless to say- through tears- 8 months...went by. I had people who loved the house- regardless of that mobile home wall - it had 5 ac, big shop- beautiful land...but no one would help us. We couldn't find a lawyer with guts enough to help us, though we have all our paperwork- all the headaches documented.
we decided to do what they call a deed in lieu- which is to basically give the house back to the bank- all our hard work and money LOST! They acted like that it would work that way- they drug that out for months- only to loose, shred or misplace documents (so we were told ). Our file was juggled around through several incompetent people- and we got josteled around so much it was sad. We got treated like all this was our fault...
I had had enough- I left the house to go be with my family. It is still being drug out...we have told them just to foreclose it...and leave us alone. They have set a foreclosure date- and that has changed a few times since our notice. Everyone who calls us has NO IDEA what has gone on, nor do they care. They ripped us off, ruined our credit, and fiancially hurt us- we were expecting to sell a home...get some cash for our next home...now- we are renting cause we don't know what they are going to pull on us, this clearly is a case of lies and deceat on their part- and this is only part of the story...there are plenty of details and problems with them that I left out.
please...if you are looking to buy a home- do NOT use Countrywide!!!
If there is a lawyer out there willing to help us or know someone who will- please let us know. Here are 2 numbers you can reach us by. 417- 880- 2677 0r 417 880- 3494
thanks for listening

In May of 2008 I applied for a refinance of my home to take out equity in the amount of $25, 000 for a kitchen remodel and to pay off some higher interest credit cards. My home is appraised at $260, 000 and my mortgage balance is $108, 000. After applying for the loan I was told that everything looked good and was given a closing date 3 weeks out. I kept in contact with our Countrywide rep at least twice a week to make sure everything was on track, which it was. The day before we were to close the loan, our rep called me and said that due to an error in their entering figures, I did not qualify for the loan. Meanwhile, I had already gutted my kitchen and had plumbers and electricians in to work on the house which I paid with credit cards intending to pay them off at loan closing. The next day, the rep called me back to say they could do the loan, but at a substantially higher interest rate. BAIT AND SWITCH.
To add insult to injury, I received a letter notifying me that a Countrywide employee had stolen and sold my personal information. In all their generosity, they offered two years of credit monitering. Wow, how nice of them.
To pour salt on the wound, they called my house. My wife answered, expecting it to be a confirmation call that we had gotten the letter regarding the identity theft, but NO, it was a sales call, offering a great "pre-approved" loan. My wife made the poor guy quiver in his cubicle and told him that we would NEVER do business with these clowns ever again. By the way, we did not choose to do business with them in the first place. Our mortgage was sold to them from the local bank who wrote it.
DO NO DO BUSINESS WITH COUNTRYWIDE.
They will do everything in their power to screw you. Just look at all the other complaints on this site or Google "Countrywide complaints, lawsuits.

I began what I thought could be my career at Countrywide Home Loans on November 26th 2007. Throughout my year of service to Countrywide I was switched from team leader to team leader. In most of my evaluations (scorecards) I was above department standards.

Now, on September 4th I was moved to a new team, Under a new team leader who did not address ANY of my questions or concerns for example per procedure I advised my team lead I was going to vote 3 Business days in advance he said "I'll take care of it" November 4th rolls around and I go to vote.. coming in 30 minutes late I get the response "well we can't change it but I wouldn't doc you on it haha" I was NOT satisfied with this answer what so ever.. so on November 6th, I went to a manager and gave her this situation told her I would like to be removed from the team an put back on the shift I came from (12-9) I told her I felt neglected, I was not given proper coaching & that I felt my performance levels are being effected because of his poor performance as a team leader. She agreed and said she will see to it that this is looked into.

Friday November 7th at 10:15am I am pulled into another manager's office along with my team leader where he said "we recently did an audit & according to the report you have about 3 hours of call avoidance" I began to explain.. when a new representative is placed on the floor he or she is sat next to a more tenured rep. they sat a woman who I even questioned her TML if she had even gone through training (this is how bad it is) right in front of me this woman asked a question during EVERY call she also did not have access to many of the systems needed to service a call. I had already notified 3 team leaders of her poor knowledge of the systems & procedures and asked repeaditly that she be moved, (they replied bofa will not allow it) I asked if she would be able to go through training again, & I also asked if she were able to sit next to me to listen to me take calls to get a better understand I typed up countless sheets of information & call flow for this woman.. without letting me fully explain myself the manager SHELIA ALLEN became angry and proceeded with the termination. I then asked for a termination letter, she rose her voice & shouted "NO! WHY WOULD I GIVE YOU THAT?" I then stood up, I wanted to leave at this point I felt threatened. She demanded " YOU NEED TO SIT DOWN RIGHT NOW " I told her I no longer worked there and wanted to leave she then said "YOU NEED TO SIT DOWN AND YOU ARE GOING TO RESPECT ME" from the commotion in the room the AVP on site came to the room opened the door & I walked out onto the floor the AVP asked what was going on & I told her I wanted a termination letter. She asked me to step back into the room.. feeling threated I asked to be escorted out of the building.. before stepping out of SHELIA ALLEN'S office I notified her negative attention from the media will come of this. I walked to the parking lot, retrieved my vehicle and started driving through the parking lot, as I drove past the doors of my former employer SHELIA ALLEN emerges from the doors throwing her hands up in a threatening manner. These actions are shocking coming from a manager.

Countrywide has now hired in 2 new training classes at half as much as I, & the 25 other employees terminated that day. I will be going to the Labor board for discrimination.

If you were a victim of this attack performed by countrywide located at 1515 w 14th st. please e mail me with your response.

I was relocated for my job from NH to MD in November 2007 and forced to put my house on the market just has things were getting bad. As it turns out, the market was already so bad that the homes in our area were already valued at less than what many had paid - including us. At this point, we contacted countrywide about a possible short sale. They said to call back when we had an offer on the home. Finally, in July 08, we had an offer. Called Countrywide. They had us send documentation incldg bank and tax statements so that the short sale process could begin. We faxed the info 7 times... each time they claimed they did not receive despite the fact that we got "successful send receipts". This lasted 2 months. Finally they acknowledged receipt. Since then (in September) we have been told that our account is waiting to be assigned a negotiator. Still has not happened. called today and they say it's because they ordered appraisal but that it never came back. They have to do it again. And round and round we go. In the meantime, we may loose our buyers because they are getting tired of waiting for this process to be complete. Countrywide does not seem to care. I don't understand why they wouldn't want to sell the house now vs. the possibility of us having to foreclose on the property. We can't afford a mortgage in NH and rent in MD much longer... it is becoming too much. I hate Countrywide. I hope they crash and burn.