Report: Countrywide Mortgage Rick Howarth Supervisor Denise
Category: Mortgage Companies
Countrywide Mortgage Rick Howarth rip-off scam Simi Valley California
*Consumer Comment ..Report them to their banking regulating agencies and HUD
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Countrywide Mortgage Rick Howarth Supervisor Denise
Fax:
Simi Valley, California, 93062
U.S.A.
Submitted: 2/13/2003 8:09:07 PM
Modified: 2/18/2003 1:23:31 PM
Mario
south padre island, TexasSupervisor 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
U.S.A.
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Updates & Rebuttals:
- Countrywide Home Loans Office of the President Thurman [2/17/2003 8:25:17 PM]
- Report them to their banking regulating agencies and HUD Anon [2/18/2003 9:55:06 AM]
Countrywide Home Loans Office of the President
If you want to call the President of Countrywide Home Loans, try calling (800) 669-6093, fax: (805)520-5032. Direct your complaints to Victoria Havens, Executive Research Specialist, Office of the President. You can also email your complaint/problems to Julie Martin as well, Julie_L_Martin@countrywide.com and try to cc: Alice_Attwood@countrywide.com as well.
Contact the Fair Trade Commission (FTC), contact the California Department of Corporations; the states licensing entity that oversees lender/mortgage companies such as Countrywide. This company is so disorganized they don't what they're doing, good-luck. Update your progress.
Report them to their banking regulating agencies and HUD
There are a lot of complaints about that company on this site. Your situation sounds like classic predatory lending tactics. It isn't 'by accident'. Predatory lenders do things like that on purpose to keep you a captive of their less attractive loan products. You can't re-finance now because they screwed up your account, and they won't fix it. They are hoping you eventually get tired and give up. This ends up making them more profit at your expense.
Look up your rights by doing a search under 'predatory lending' and 'fair credit reporting act' and also 'truth in lending'. If you are Hispanic, you also fall under a protected class in the HUD guidelines, and you might have grounds for a discriminatory complaint through HUD. Go to the HUD website for more information, I think it's www.hud.gov.
If HUD finds a pattern of abuse by the lender, the matter gets referred to the Department of Justice for follow up. HUD makes the company answer to your complaint. Also, the bank regulators for the company (the regulators vary depending on whether the bank is state, national, etc--you can research the regulators on line also) are very good (but it's slow going).
I filed a case with HUD regarding a mortgage application. The case is still pending, but in the paperwork the company submitted in it's rebuttal to the regulators, proof of altered forms came out. When a company has to answer to the regulators for their actions, their sleaze often comes to light.
Add your voice to the HUD files, and let them spin their wheels justifying their actions to their regulators. Good luck on your case!
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