- Report: #179136
Complaint Review: Impac Countrywide - Van Nuys California
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Impac Countrywide
P.O. Box 10229 Van Nuys, 91410 California, U.S.A.
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Impac, Countrywide frustrated Ripoff Van Nuys California
*Author of original report: No other option
*Consumer Suggestion: Me too
*Consumer Comment: your problem
*Consumer Comment: your problem
*Consumer Suggestion: Contact the State of California for assistance - Countrywide is in trouble with the State.........
*Consumer Suggestion: Contact the State of California for assistance - Countrywide is in trouble with the State.........
I received a letter in the mail in October saying that my loan was to be sold to Impac/Countrywide. The letter told me where to send my first payment and the account to be credited. I use a bill pay service through my bank so I made the changes accordingly. My first payment cleared my account on November 7th. Later in the month, I did receive my first statement from Impac/Countrywide. The statement said that my payment for November was never received. I called and they said they would open up a work order because this happens all the time when loans are transferred.
In December, I made my payment and it cleared my account on about the 5th. At the end of December, I called to find out where to send my insurance claim check for $30,500. I had damage to my roof from Hurricane Wilma and when the insurance company cuts the check they will send it to you and your mortgage holder. This is when I learned that they had not located my missing November payment oh, and by the way, they had no record of me ever calling in November and reporting a lost payment. I therefore had to open up another case to have them find my payment.
I sent the January payment and it cleared my account around the 5th. In the meantime, the insurance check that I sent them, they cashed on the 25th.
I received a phone call on January 30th. This lady told me that my loan was being transferred to ASC in 2 days and that I would need to open up the work order with them so that my missing payment could be located. I was devastated. I could not believe that my first payment to them had not been resolved. She told me that the reason the company had not called or sent delinquent letters was because she had flagged my account.
I knew then that this transfer was going to be a problem. Not only was the missing payment going to be a problem but also the $30 thousand dollars that they have on behalf of insurance claim.
Since I received no letter telling me that the loan was being transferred nor where to send the new payment, I sent it to Countrywide and it cleared my account on February 1rst.
I contacted ASC in the early part of February and they informed me that they had not received a payment from me for the months of January and February. I asked them to open up a work order and find out where the payment was that was made to Countrywide on February 1rst. They told me that I would need to contact them myself and ask them to forward my payment which was made in February.
I began to make calls to Countrywide sometimes 3 or 4 times a day, every other day. They could not provide me with information as to where the February payment was, where the November payment was nor where the thirty thousand dollars was. They would say stuff like, "it must have been forwarded because I don't see anything here." Of course when I would contact ASC they did not have anything. They would not let me speak to anybody in charge and unfortunately, my issues were over thier heads. Somebody needed to get involved. EVERYBODY was nice... but not at all helpful. They would say they would call me back. NOBODY EVER CALLLED BACK. And it was impossible to get the same person twice. In all the calls I made, and I made so many, I never spoke to the same person twice.
Out of sheer frustration, I finally contacted the Countrywide corporate office. I was able to get someone whom I thought would help and I am still waiting on resolve. Since then, she was able to find the February payment and get that forwarded. She still has not been successful in getting the 30 thousand dollar issue resolved nor has she found my November payment. I faxed her my bank statemnet up until December of 2005. She wanted to make sure that the payment for November was not credited back to my account. I told her that I would fax every statment up to the current date, if need be. I am still waiting.
Now when I call ASC, I am treated like s***. They talk bad to me. They act like I am some delinquent. They asked me why I fell behind. I told them, in 10 years of making mortgage payments, I have never fallen behind. They are unsympathetic and I told them that I had no intention of making another payment to cover the payment that was lost. I don't see them trying to contact Countrywide!!
I do continue to make my payments as scheduled but I am thoroughly frustrated and don't know what to do.
-D
Dee
Pembroke Pines, Florida
U.S.A.
Click here to read other Rip Off Reports on Countrywide Mortgage
In December, I made my payment and it cleared my account on about the 5th. At the end of December, I called to find out where to send my insurance claim check for $30,500. I had damage to my roof from Hurricane Wilma and when the insurance company cuts the check they will send it to you and your mortgage holder. This is when I learned that they had not located my missing November payment oh, and by the way, they had no record of me ever calling in November and reporting a lost payment. I therefore had to open up another case to have them find my payment.
I sent the January payment and it cleared my account around the 5th. In the meantime, the insurance check that I sent them, they cashed on the 25th.
I received a phone call on January 30th. This lady told me that my loan was being transferred to ASC in 2 days and that I would need to open up the work order with them so that my missing payment could be located. I was devastated. I could not believe that my first payment to them had not been resolved. She told me that the reason the company had not called or sent delinquent letters was because she had flagged my account.
I knew then that this transfer was going to be a problem. Not only was the missing payment going to be a problem but also the $30 thousand dollars that they have on behalf of insurance claim.
Since I received no letter telling me that the loan was being transferred nor where to send the new payment, I sent it to Countrywide and it cleared my account on February 1rst.
I contacted ASC in the early part of February and they informed me that they had not received a payment from me for the months of January and February. I asked them to open up a work order and find out where the payment was that was made to Countrywide on February 1rst. They told me that I would need to contact them myself and ask them to forward my payment which was made in February.
I began to make calls to Countrywide sometimes 3 or 4 times a day, every other day. They could not provide me with information as to where the February payment was, where the November payment was nor where the thirty thousand dollars was. They would say stuff like, "it must have been forwarded because I don't see anything here." Of course when I would contact ASC they did not have anything. They would not let me speak to anybody in charge and unfortunately, my issues were over thier heads. Somebody needed to get involved. EVERYBODY was nice... but not at all helpful. They would say they would call me back. NOBODY EVER CALLLED BACK. And it was impossible to get the same person twice. In all the calls I made, and I made so many, I never spoke to the same person twice.
Out of sheer frustration, I finally contacted the Countrywide corporate office. I was able to get someone whom I thought would help and I am still waiting on resolve. Since then, she was able to find the February payment and get that forwarded. She still has not been successful in getting the 30 thousand dollar issue resolved nor has she found my November payment. I faxed her my bank statemnet up until December of 2005. She wanted to make sure that the payment for November was not credited back to my account. I told her that I would fax every statment up to the current date, if need be. I am still waiting.
Now when I call ASC, I am treated like s***. They talk bad to me. They act like I am some delinquent. They asked me why I fell behind. I told them, in 10 years of making mortgage payments, I have never fallen behind. They are unsympathetic and I told them that I had no intention of making another payment to cover the payment that was lost. I don't see them trying to contact Countrywide!!
I do continue to make my payments as scheduled but I am thoroughly frustrated and don't know what to do.
-D
Dee
Pembroke Pines, Florida
U.S.A.
Click here to read other Rip Off Reports on Countrywide Mortgage
6 Updates & Rebuttals
Ca_gal
San Jose,California,
U.S.A.
Contact the State of California for assistance - Countrywide is in trouble with the State.........
#2Consumer Suggestion
Mon, March 09, 2009
if you contact the State of California, tell them what happened, and ask them to intervene on your behalf. Countrywide is in trouble with the state, and the state is supposed to get involved, and help out. Also, do you have a lawyer referral program in your state? The local Bar Assocation for your country should have a lawyer referral program where you can make an appointment to speak with an attorney for about $35 for 30 minutes. I would also try calling lawyers in the phone book, and asking for their help, tell them that you really need assistance, and that if they can't help you, could they tell you where you could get help? you might also try lawguru, and type in your legal question, and local attorneys should get back to you with some answer(s) Hope this helps you out. Sorry to hear about your troubles
Ca_gal
San Jose,California,
U.S.A.
Contact the State of California for assistance - Countrywide is in trouble with the State.........
#3Consumer Suggestion
Mon, March 09, 2009
if you contact the State of California, tell them what happened, and ask them to intervene on your behalf. Countrywide is in trouble with the state, and the state is supposed to get involved, and help out. Also, do you have a lawyer referral program in your state? The local Bar Assocation for your country should have a lawyer referral program where you can make an appointment to speak with an attorney for about $35 for 30 minutes. I would also try calling lawyers in the phone book, and asking for their help, tell them that you really need assistance, and that if they can't help you, could they tell you where you could get help? you might also try lawguru, and type in your legal question, and local attorneys should get back to you with some answer(s) Hope this helps you out. Sorry to hear about your troubles
Thomas
Troy,New York,
U.S.A.
your problem
#4Consumer Comment
Tue, March 28, 2006
Countrywide, hfc, wells fargo, ditech, etc. They are all finance companies. Stay away from finance companies if at all possible. The best place to get a Loan or Credit card are Credit Unions. They are non profit.
Thomas
Troy,New York,
U.S.A.
your problem
#5Consumer Comment
Tue, March 28, 2006
Countrywide, hfc, wells fargo, ditech, etc. They are all finance companies. Stay away from finance companies if at all possible. The best place to get a Loan or Credit card are Credit Unions. They are non profit.
Heather
Miami,Florida,
U.S.A.
Me too
#6Consumer Suggestion
Sat, March 18, 2006
This is standard operating procedure. I had damage two years ago. I was told to send them the check They "lost" the check. They then proceeded to screw up my account. These are not mistakes. They use your insurance money to cover their losses. This is mortgage servicing fraud. Pure and simple. For every person who uses false information to get a loan, Countrywide does this to hundred million more people. First of all contact your insurance company. Get a copy of the canceled check. It would be canceled. Do not, and I repeat do not spend your time on the phone arguing. They will argue with you and still foreclose.Always, always write. They must respond. Look at the RESPA laws.Write them a letter every month. Lastly find someone else to get a loan with because you will not win. They will do this. I know becuase I am in my second foreclosure with them. Can you beleive that. This time around they want to to make sure I don't reinstate so they are demanding a ridiculously high payoff.My neighbor has Country wide. I told her do not send your insurance check or it will be lost forever. I finally got my insurance check back after I proved that Countrywide endorsed it. Then they all of a sudden told me I was two months behind. They were making me crazy. I tried to refinance, they had totally messed up my credit so all I could get was a 10% loan. Write them letters. Get names. Go to the office of the president. ie I beleive the woman who handled my insurance was a very unkind woman named Fran. Google RESPA . If this is an FHA loan there are very strict procedures. Lastly, make this a campaign issue. We are coming up to the midterms elections. Write to everyone you can. This is standard operating procedure. They figure they have bought off everyone from your real estate agent to the higher ups. This is a way more important issue than 90% of the crap thrown at us. How important is your house. How important is it to have a house you can call your home. Trust me this is happening to enougth people this is not a mistake. If I ran my own finances like they do.... These are out homes they are mesing with. This is truly criminal. There is a name for this. It is called mortgage servicing fraud and they are getting away with it because no one is stopping them. Google mortgage servicing fraud.
Dee
Pembroke Pines,Florida,
U.S.A.
No other option
#7Author of original report
Mon, March 06, 2006
I am going to make the loan payment that is missing for November to ASC. Since they are sooo nasty, I figured that I didn't wan't any late payments to hit my credit. I figure I can still hound Countrywide Home Loans for the payment they lost. What can I do about the $30,500?
