I have been faced with financial hardship and fell behind on my house payments. On January 1, 2009 I received a certified letter from Countrywide stating that they understood that I was going through a difficult time and with the HOPE team they were going to refinance my home, making me current on my back payments as well as lower my monthly payment from 1580 to 1240. The letter stated that I needed to have it signed and notarized and to return it in the pre certified envelope enclosed by Jan 27, 2009. Effective Feb 1, 2009 I would restart on a clean slate. I did as instructed. Sent the letter of on Jan 15, 2009. Feb 11, 2009 I was informed that my home was going into foreclosure. When I spoke with the representative at countrywide I was told that they never received my signed letter. The envelope that was provided only had one address on it in the sender section and the return to sender section which was COUNTRYWIDE. So how in the world did that letter just disappear? I informed the representative that the letter was returned. She informed me that because they have no record of it I no longer qualified for the HOPE team modification. HOW CONVIENENT! So now, they are not willing to work with me at all. They want me to pay back all the late payments at once. 6500.00 or my house will go into foreclosure. I asked them to help me. I was instructed to get a second job to make my payments.

When we starting house shopping we didn't quite have a down payment. We were in the process of setting up a loan through Countrywide and were advised by the loan officer to amend our 2008 tax return to add the 8, 000.00 1st time home buyers credit so that it can be used towards our down payment. While my family and I were doing some research we were advised 3 different times by 3 different people with the IRS that NO IS ALLOWED TO USE THE 8, 000.00 TOWARD A DOWN PAYMENT. If this done that we would be fine and or panelized until that money is returned to the IRS. Another loan officer said that it's considered mortgage fraud. As soon as we found this out we called the loan officer with Countrywide and advised that we were seeking other options and that we no longer would be going through Countrywide. The loan officer then said, " Just to let you know... not many lenders will accept the 8, 000.00 to go toward your down payment." I then said, " Of course, because it's mortgage Fraud!!! It felt soooo good not to be sucked into Countrywide and their schemes!!

Countrywide is showing we have a past due (30day) amount of $1, 208. We were approved for a loan modification on Acct#115512750. The new payments are $1585.24 @ 3% interest for 5 yrs. The amount they say is overdue is the old loan monthly payment of $1, 208. The paper work we have shows the restructured amount was approved for September 1, 2008 through Aug.1.2013. We have called and called to try and tell them we have the approved paperwork for the new amount that we HAVE BEEN PAYING ON TIME EVERY MONTH, yet they are charging us late fees on the old amount. Please fix this. Thank you.

Letter received from countrywide about my personal info being compromised. Gave me a complimentatry credit monitoring service that I am unable to log into. Please investigate.

Fraud alert, I believe every one of the 2 millions countrywide customers should read this letter I am sure it will benefit them as long as they are dealing with Countrywide Mortgage Company.
Throughout the pas 2.5 half years that we have a home loan with countrywide, we are receiving monthly statement and envelop to mail out our monthly payments. During the last two months we did not received any monthly statement and if it was not because of my wife we would have be late on our monthly payment.
After many calls to countrywide customer service they have informed us that the statement has been return to them with the note “Wrong address”. We have contacted post office and countrywide to get to the bottom of this issue without any success, and I must remind everyone that we have two loan with countrywide and we are receiving the second loan statements but not the first loan.
By the language of the loan documents customer is the ultimate responsible person to pay the mortgage and they need to use all means to do so, however when you receiving statements every month for the past two years or as many month and years that you are getting the statements, you may get used to this method and system and you may waited for you statements and as result you may be late on your mortgage payments.
This is extremely important and you may ask why and the answer that question is as follow;
1. This will have negative effect on your credit report and your credit score.
2. If you miss any payment as everyone knows there will be late fees involve with that and that is ONE WAY FOR THEM TO MAKE EXTRA MONEY.
3. If you are looking to take advantage of HOUSING RESCUE BILL that it was pass in summer, guess what!!?? Since you are LATE on your payments you will not be qualified to apply or take advantage of housing rescue bill.
4. If you are late in your monthly payments countrywide does not have to work with you and simply they can say get out.
I believe the reason that Countrywide does not send statements to the customers or when you pay online and on time yet they claim that they have not received the payments on time is that they want to make sure that the customers our late which will allow them to collect more late fees, disqualify the customer for any program that will REDUCE THE PRINCIPALS OF YOUR LOAN, and or any Loan Modification.
Countrywide is a incompetent, dishonest, deceitful company and they do anything to take advantage of the customer. Their incompetence has lead to the lost of identity of 2 million customer and they did not inform their customer for OVER TWO years their must be some law against that and consumer should take some legal action about that.
If you experiencing some of the above conditions and more please speak up and lets get together and see if we can put an end to the COUNTRYWIDE PIRACY of customers from their livelihood.