- Report: #229147
Complaint Review: Countrywide Home Mortgage - Plano Texas
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Countrywide Home Mortgage
countrywide.com Plano, Texas, U.S.A.
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Countrywide Home Mortgage Crooked, illegal foreclosure proceedings, credit damaging, ripoff company Plano Texas
I have been with Countrywide Mortgage for 8 years. This is not the first time I have had problems with them, it started the day we closed our loan. I had wanted to escrow my account, but after 6 hours at the closing table on Good Friday I gave in and agreed to sign the final revision of the documents even though they still had the escrow issue incorrect.
About three years into the loan I received a notice that my payments were passed due. This was totally incorrect, I had never made a late payment nor had I ever missed one. I worked for a mortgage company so I knew what to ask for when I called Countrywide. I ask them for a payment history and they proceeded to tell me it would take two weeks to receive it. I ask what computer system they were on and it was the same one we used so I told them to do a control H and it would provide a screen print of the payment history that they could fax to me immediately. They agreed to do so.
Upon review of the payment history it showed that they had six full payments sitting in a "suspense account" and had not been posted to my account. Because of this they were charging me late charges and reporting my payments late to the credit bureaus. I finally got them to realize what they had done and they did post the payments, but did not recant the late pays to the credit bureaus.
Another 3 years went by and in January 2004 I received a letter from the Bastrop Tax Office returning my check that I had sent in for the property taxes. I called them and ask why it was returned and they said that the taxes had already been paid. I ask who paid them and they said Countrywide. I told them that I did not have an escrow account, and if they could return the money to Countrywide because they had paid them in error. They said that they were not able to do that, so I called Countrywide to advise them what had happened and I was told in a very snotty manner by the woman that answered the call that "if we paid them, we were supposed to". I told her that I did not have an escrow account and I had been paying my own taxes every year since I purchased the home. She said it didn't matter, if they paid them they were supposed to.
So, I took this money and put it in a separate bank account, because I really did owe this money for my taxes. I called my attorney and advised her what had happened and she told me to just hang on to the money because she was sure that they would discover their mistake and want the money back. In the meantime she had set a court date so that they would address the issue because we wanted to get this straightened out before it s****.>
About three years into the loan I received a notice that my payments were passed due. This was totally incorrect, I had never made a late payment nor had I ever missed one. I worked for a mortgage company so I knew what to ask for when I called Countrywide. I ask them for a payment history and they proceeded to tell me it would take two weeks to receive it. I ask what computer system they were on and it was the same one we used so I told them to do a control H and it would provide a screen print of the payment history that they could fax to me immediately. They agreed to do so.
Upon review of the payment history it showed that they had six full payments sitting in a "suspense account" and had not been posted to my account. Because of this they were charging me late charges and reporting my payments late to the credit bureaus. I finally got them to realize what they had done and they did post the payments, but did not recant the late pays to the credit bureaus.
Another 3 years went by and in January 2004 I received a letter from the Bastrop Tax Office returning my check that I had sent in for the property taxes. I called them and ask why it was returned and they said that the taxes had already been paid. I ask who paid them and they said Countrywide. I told them that I did not have an escrow account, and if they could return the money to Countrywide because they had paid them in error. They said that they were not able to do that, so I called Countrywide to advise them what had happened and I was told in a very snotty manner by the woman that answered the call that "if we paid them, we were supposed to". I told her that I did not have an escrow account and I had been paying my own taxes every year since I purchased the home. She said it didn't matter, if they paid them they were supposed to.
So, I took this money and put it in a separate bank account, because I really did owe this money for my taxes. I called my attorney and advised her what had happened and she told me to just hang on to the money because she was sure that they would discover their mistake and want the money back. In the meantime she had set a court date so that they would address the issue because we wanted to get this straightened out before it s****.>
1 Updates & Rebuttals
Kari
Maumee,Ohio,
U.S.A.
wow-I am glad I am seeing all this
#2Consumer Comment
Sun, January 07, 2007
Sunny, I think what happened to you is horrible, I am glad you posted this, my husband and I are looking to purchase another home and refinance ours in the process. I have an appraisal early this week through a company Countrywide is sending. I am going to cancel. I have been asking our Contrywide representative to call me back for the past few days and have heard nothing from him. Hmmm. Plus he has not even asked for proof of income yet.
