Complaint Review: Countrywide Home Loans - Van Nuys California
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- Author Confirmed
- Countrywide Home Loans Customer Service, SV-B14 : P.O. Box 5170 Van Nuys, California U.S.A.
- Phone: 800-669-5864
- Web:
- Category: Mortgage Companies
Countrywide Home Loans ripoff trying to screw our nations citizen soldiers Van Nuys California
*Consumer Comment: Ripped off too - Iam filing my own complaint as well!
*Author of original report: Follow Up ... to my follow up!
*Author of original report: Follow Up ... to my follow up!
*Author of original report: Follow Up ... to my follow up!
*Author of original report: Follow Up ... to my follow up!
*Consumer Suggestion: Everyone needs to stay away from this corrupt company
*Consumer Comment: Countrywide
*REBUTTAL Individual responds: 2nd Mortgage loan
*UPDATE EX-employee responds: 2nd Mortgage Loans
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My wife and I have a 2nd Mortgage with Countrywide. In October 2005, I got called back into full time Military Service again. I called and informed Countrywide what was happening. They had me Fax a copy of my orders to them, I also mailed a hard copy of my orders to them as well. By law Countrywide is suppose to reduce my interest rate to a minimum 6%. I went ahead and made October 2005 payment, the Soldiers and Sailors Relief Act(SSRA) Department representative ensured me that the over paid interest amount would be credited our account. November 05', December 05'came and went, each month we made our payments. Each month I called, I wrote and e-mail my concerns and complaints.
I received a letter from Countrywide claiming that our loan did not qualify for the SSRA. January 2006, February 06', March 06' came and went and the interest rate had not been changed. Finally in April 2006, Countrywide adjusted our account to reflect the 6% interest rate. But they did not go back and adjust all the previous months in question. May 2006, we pay our mortgage everything seems fine except still nothing had been done about the previous 5 months of payments. Now, we are talking about three hundred plus dollars per month. A interest rate of 12%variable to 6% fixed. June 2006, we pay our mortgage and our set payment changes again? July 2006, I am home on leave for my 43rd Birthday. As I am getting ready to go to bed after my wifes throwing me a surprise Birthday Party. I go into my Home Office and see that I have a message. I playback the message to hear some woman contacting me in regards to finding out what we were planning on doing with our home which was publically listed for foreclosure. After listening to the message again to make sure I was hearing what I thought I heard. I called my wife into my Office and played the message for her. Needless to say, we did not get much sleep that night. Being that that took place on a Friday night there wasn't much I could do until Monday, so that weekend was ceratinly ruined. Monday morning comes and sure enough Countrywide had listed our home in foreclosure.
To date,(9/28/06), Countrywide has not told us how or why this all came about. I think that I have figured it out how it happened. In October I made two mortgage payments,(OCT 3)and(OCT 24), they applied the October 24th payment to principle instead of processing as our November payment, even though our November statement receipt was included with the payment. They did this again in December. That was the beginning of things, what followed was the worst barrage of telephone calls and mailings from every foreclosure shark, we were getting things all the way from Hawaii and the East Coast. I had to take additional leave because I could not leave my wife and daughter in this mess. I have since returned, but the problem remains still not corrected. The Military won't do anything to aid me because its a Civil matter they claim yet Uncle Sam has my behind everyday for another year. I honestly just wanted them to correct the situation, I'm not a sue happy kind of person. But I think of the months of aggravation and the unecassary stress that this has put on my wife and I. I actually saved and counted all of mail that we received because of Countrywides mess. We received 1137 pieces of mail in regards to our "FORECLOSURE". I know enough about the law to know that when an account is in question or being contested that the company can not take any type of action until the complaint has been resolved. But, here, Countrywide had an account being contested, "its clearly in their notes", went ahead and filed our home in foreclosure. My latest contact with them was last week, I got this call and "all" the monies have been applied properly. Their records show that we are behind four months after "all" the credits have been made. So, we are suppose to send them like $1,400.00 and that will bring our account current for September. When I do the math they owe us money after bringing our account for September 2006.
Richard
Harbor City, California
U.S.A.
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This report was posted on Ripoff Report on 09/28/2006 01:42 PM and is a permanent record located here: https://www.ripoffreport.com/reports/countrywide-home-loans/van-nuys-california-91410/countrywide-home-loans-ripoff-trying-to-screw-our-nations-citizen-soldiers-van-nuys-calif-213218. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
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#9 Consumer Comment
Ripped off too - Iam filing my own complaint as well!
AUTHOR: Alvin - (U.S.A.)
SUBMITTED: Friday, April 20, 2007
I was a hurricane Katrina victim and Countrywide was very generous in offering to suspend my payments due to the hurricane damage sustained on my home in New Orleans. I offered to pay and they actually refused my payments as there was a disaster moritorium. I stayed in contact with them once to twice every month and even worked with a special "work out" disaster group. The next thing I know these great patriots wanted all the back payments at once or threatened to forclose on my property. (NICE!!)I was strung along and I still am being strung along stating that they will be sending me a workout package to refinance and get everything back in order. I have still yet to see the package but continue to receive the forclosure threats. They keep sending me these mailouts of how much equity I have in my house and that I can refinanace at any time. When I ask them about these they stated that they were generic mailers, but they have my house address on them and they have followed me to my registerd address in Arkansas. More lies. I don't know what to do at this point. They all use generic names on the phone so you can never get the same person on the phone. They are horrible and un-simpathetic
#8 Author of original report
Follow Up ... to my follow up!
AUTHOR: Richard - (U.S.A.)
SUBMITTED: Sunday, April 15, 2007
We ended up having to hire an Attorney, and it is very obvious that Countrywide is not even intimidated by that. They still have yet to straiten out our payment mess that they created. I think when I contact this Attorney in the morning I am just going to have to have him file suit against Countrywide and push this to get the State and Federal Govt. involved.
#7 Author of original report
Follow Up ... to my follow up!
AUTHOR: Richard - (U.S.A.)
SUBMITTED: Sunday, April 15, 2007
We ended up having to hire an Attorney, and it is very obvious that Countrywide is not even intimidated by that. They still have yet to straiten out our payment mess that they created. I think when I contact this Attorney in the morning I am just going to have to have him file suit against Countrywide and push this to get the State and Federal Govt. involved.
#6 Author of original report
Follow Up ... to my follow up!
AUTHOR: Richard - (U.S.A.)
SUBMITTED: Sunday, April 15, 2007
We ended up having to hire an Attorney, and it is very obvious that Countrywide is not even intimidated by that. They still have yet to straiten out our payment mess that they created. I think when I contact this Attorney in the morning I am just going to have to have him file suit against Countrywide and push this to get the State and Federal Govt. involved.
#5 Author of original report
Follow Up ... to my follow up!
AUTHOR: Richard - (U.S.A.)
SUBMITTED: Sunday, April 15, 2007
We ended up having to hire an Attorney, and it is very obvious that Countrywide is not even intimidated by that. They still have yet to straiten out our payment mess that they created. I think when I contact this Attorney in the morning I am just going to have to have him file suit against Countrywide and push this to get the State and Federal Govt. involved.
#4 Consumer Suggestion
Everyone needs to stay away from this corrupt company
AUTHOR: C - (U.S.A.)
SUBMITTED: Sunday, April 15, 2007
Anyone who has a Home Loan with this company needs to leave them and use a company that isn't so corrupt they are one of the VA's favorite companies along with Washinton Mutual.We need to get the Government to put a tighter rein an these companies and get some control over them. We may have to protest and Boycot all of these companie because our Government doesn't care about us. Lets put a stop to their corruption. I'm not sure a lawsuit will do much good we need to go to extremes to stop them.
#3 Consumer Comment
Countrywide
AUTHOR: Tamara - (U.S.A.)
SUBMITTED: Sunday, April 08, 2007
Richard,
Countrywide will never admitt that they are wrong. Our foreclosure is "in review" and the longer they take the farther we get behind, which means the more we are going to owe. Get a Lawyer! Maybe it's time for a class action suit??
Good Luck!!
Tammie
Palm Bay, FL
#2 REBUTTAL Individual responds
2nd Mortgage loan
AUTHOR: Richard - (U.S.A.)
SUBMITTED: Monday, October 09, 2006
Dear Myranda in Fort Worth,
Thanks for the info., but, I have been dealing with the OOP. They seem to be more concerned with masking or covering up their mistakes instead of resolving them.
But Thank you my dear,
Richard
#1 UPDATE EX-employee responds
2nd Mortgage Loans
AUTHOR: Myranda - (U.S.A.)
SUBMITTED: Monday, October 09, 2006
Richard--
With all this information that you have at hand I would ask to speak with the (OOP)Office of the President...Yes, they actually have one and they are very quick in resolving problems and correcting matters like these... When you contact Countrywide just make sure you ask to speak with the OOP...They have a direct line to the office and sometimes they will transfer the call.
Also, try using the website...Countrywide has a great website set up for their homeowners to view information...Possibly might be able to send an email to the OOP and get something resolved that way instead of calling Countrywide.
http://my.countrywide.com/
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