Countrywide Mortgage Rick Howarth rip-off scam Simi Valley California

Supervisor Denise ripoff dishonest and fraudulent ,held captive by credit damage ,the business that doesn’t give a dam .....

I have never written a public complaint about any company in my 50 years of life. However what this company has done to me cannot go unexposed. I have had a mortgage on my home in San Antonio Texas with this company for approximately 3 years. I recently changed jobs and called Countrywide on June 20th to advise them that I would like for them to cancel my direct withdrawal from my bank account on July 10th because I was not certain of my pay period and I was concerned that I might not have sufficient funds on that date. I was transferred to the collection department eventhough I was up to date. Again I discussed payment options and was told that no special arrangements would be made. I had never been late or missed a payment.

I realized a day or 2 later that I could make the payment on time and called them and asked them to take out my normal payment on July 10th as usual. Two months later I looked into refinancing my home to take advantage of a lower interest rate and to get away from Countrywide's poor customer service. Imagine my surprise when I was told I was 2 months in arears. I called immediately.. customer service would not talk to me and referred me to collections. I was forced to bring the entire amount immediately up to date including past due penalties. After that was done I was told that they did not know why they did not reinstate my bankdraft because they could see I had requested it.

I am very mild mannered and just decided to pay the penalties and take my business elsewhere. However when I applied with another company I was told that I could not get a competitive rate with the 2 month deliquency. I called Countrywide to have my credit corrected and they can not find a record now of my request for reinstatement. Basically they have called me a liar and now I am their captive.

They were extremely rude especially a young lady named Denise who refused to give me the name of the president of the company. I was told repeatedly that if anyone had called they would have a record of it. Now I am stuck... Is there anyone I can report these people to? Are there any suits pending I can join? Does anyone know the name of the president or someone who cares? Why are they allowed to buy VA loans? Although I am not a Veteran I did purchase a loan under the VA. Maybe I don't deserve protection but I think our VA's deserve better than this. ......Cheated in San Antonio

Mistreated Hispanic
san antonio, Texas