Report: #209060

Complaint Review: COUNTRYWIDE HOME LOANS - Dallas Texas

  • Submitted:
  • Updated:
  • Reported By: Irmo South Carolina
    P.O. Box 660694
    Dallas, Texas

COUNTRYWIDE HOME LOANS SCARY convenient criteria to NOT pay taxes and have home going on foreclosure ripoff Dallas Texas

*UPDATE EX-employee responds: Taxes/Names

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We did not have any issues paying our mortgage. Thank God! However, we got a TAX bill saying our home would go into foreclosure. We were in the middle of relocating because of a job transfer. So, I called COUNTRYWIDE to make sure they pay it off. That's what the escrow is for, right? Think again...

Well, they said they would send the check, and I was relieved when I saw in the website that it was there.
The company I work for took over the mortgage payments, as part of the relocation, and a couple of months later, they had a buyer for it. But, they found out that the taxes were not paid. WHAT?

So I asked my husband to call them again. (The first time I called they didn't want to give me any information because my name was not in the account. Since they bought the loan from our original Mortgage company, from the builder, KBHOME, they only had him as the "owner). Anyways he called and found out:
In June, when I called, they issued a check to pay the taxes. They realized that it was late and had to pay penalty fee. So they cancelled that check. Then they issued a second check to include the fees, but they decided that we should be paying the fees (HELLOOOO, you are the one that did not pay it on time in the first place!!), oh but it gets better, then they cancelled the second check too. WITHOUT NOTIFYING ANYBODY, just like that.

IT MAKES ME SICK to think that if it wasn't for the relocation and the home sale, I would not find out about this. And by the end of this year I would have a home foreclosed, because of their UNPROFFESSIONAL business.

1. They charge me money to have an "escrow" but they don't use it to pay EVERYTHING they said they will take care of, i.e., taxes, home insurance, etc. In other words, they did not pay the taxes on time like they were supposed to.
2. When I called for a problem, they promised to take care of it, but didn't.
3. They decided to not pay my taxes, WITHOUT LETTING ME KNOW!
4. They posted transactions in the website that are not accurate! Misleading me to think everything was OK.
5. Because I gave them a chance (when I knew they were late and have not paid) and they let me down BIG TIME!

I really don't have the time to be checking every month that everything is OK. I trusted them and they disappointed me, but I am grateful that we found out before getting into bigger trouble, but that's why my advice is BE CAREFUL. Check with your county, check with the insurance people, make sure they pay when they are supposed to. I guess it helps if all those payments are made at the beginning of the year and you just check it once.

Long story short, they suck!

Irmo, South Carolina

This report was posted on Ripoff Report on 09/01/2006 01:51 PM and is a permanent record located here: https://www.ripoffreport.com/reports/countrywide-home-loans/dallas-texas-75266/countrywide-home-loans-scary-convenient-criteria-to-not-pay-taxes-and-have-home-going-on-f-209060. 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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#1 UPDATE EX-employee responds


AUTHOR: Myranda - (U.S.A.)

POSTED: Monday, October 09, 2006
As far as taxes people need to realize that individual checks are NOT cut to pay taxes...These checks range anywhere from 20,000 dollars to 5.5 million dollars so they are hard to just stop payment on...There is a lot of research and time involved when locating an issue on taxes when they don't get paid.

How does it come that they don't get paid? The tax assessor didn't send in the bill when the check was issued for that county...Tax assessors download information in batches.

Now, once the problem has been identified there are specific people in the tax department that take care of the issues...You should have had someone to follow up with on this complaint because a tax problem usually takes about 3 months to resolve...The tax assessor doesn't like speaking to mortgage companies anymore than homeowners...So, it takes time to get it resolved.

With Countrywide stating you had to pay the late fees on the taxes you should have asked to speak with a supervisor on that one...It is not Countrywides custom to make homeowners pay for late fees on taxes...That is something that is handled between Countrywide and the tax assessor.

And your other complaint, if a name does not show on the NOTE or the DEED of Trust then its a matter of privacy of who they speak to over the phone...You should honestly be glad they took this step even though its a hassle because there are people out there just waiting to get ahold of homeowner information that some customer service person will give them.

To keep that from happening in the future, advise who you want to speak on behalf of the account and ask them to please document the information.. If your loan is still with Countrywide you can always ask what section that information was put in so people can refer back to it for future information.
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