Bank of America
Reviews and Complaints

Countrywide is raising millions by charging fees for refinancing your home and they have no intention of closing the deal. During the appraisal, they will so under value your property you will be in a reverse mortgage situation. Most will seek other mortgage companies or bank, however you will be out hundreds of dollars. Fees for running your credit, paperwork, and the appraisal fee. DON'T WAIST YOUR TIME. Go to another bank to refinance. Countrywide rates and fee will always be higher. And there customer service is terrible. The agents do not return your calls nor do they inform you on possible lower rates. Due to the financial troubles on Wall Street, they have no intention on giving you a good deal. They are only in this to make money off of you. They do not have your best interest in mind.

I followed proper protocall with countrywide . As many americans i changed jobs to were my salarie changed i asked countrywide to move 2-3 months of my payment to the back of my loan . they had me send in a letter of hope .They said then i should be fine - when i called to see if the loan could be modified they told me nothing could be done . I have ask countrywide to help me not fall behind in payment and even take 1/2 of the morgage payment until i got caught up. times as you know are hard now many americans are trying to keep there home i need help asap . thank you - if you can help me ceo- of countrywide my e- mail adress is alstdav7@aol.com if you need any additional info let me know .anthony alston

First, I want to say that I was in the Title Insurance Industry for 35 years and know my way around the block-but dealing with Countrywide-BOA is like dealing with ###s from outer space. It Seems that whoever can figure out what is the 'least they can do' to hang on to their jobs-are the ones who are still employed. I bought my home in 2017 when I was employed. More than 20% down, excellent credit, fixed rate loan. Unfortunately, I became 100% disabled in 06. It took 18 months to get on Social Security (18 months with zero income) and another year to get medical insurance. Somehow from savings and selling off things I was able to keep up, while trying to sell the house. Last year I finally hit a brick wall and entered into a Forebearance Agreement with the bank. The second payment was returned, as some idiot sent me an envelope with the wrong address on it. Everytime I called I got some new nitwit and had to go into the entire deal again. Finally, I had to resort to a short sale. Lucky for me, I found someone who really DOES understand how to go about it. The bank has been nothing buy uncooperative. First offer was rejected (after 6 weeks) they still don't come up with a price, but pay some out of work realtor $75.00 to do an 'appraisal' (never going in, of course). Next offer is in. Price is only off by a few thousand-they are sitting on this offer like a whale in a lifeboat. Calls go unreturned-answers are stupider and stupider as time goes on. If they just let the house go-they are done with it. The shortage is only in the $40, 000 range. (Small potatoes by current standards). I guess the brilliant BOA powers that be would rather pay taxes, hoa, insurance, etc than unload the 'inventory' as they are supposed to do. Do they want to end up with all these houses ? Who is in charge there? Did they go to the Romper Room school of business? Why are they allowed to get away with this? If the taxpayers are sending billions to this bank-why are they not being told what to do as are the car companies. It is my understanding that Countrywide/BOA is the worst of the worst when it comes to this. Class Actions-Anywhere out there?

Countrywide had my credit card info on a Master Card that was to be paid off.They used that information to bill me $300.00 for an upfront processing fee without my knowledge or consent. I had given the credit card information to Tony Kwong for a payoff. When I called that office in Roseville,California Mr. Shores said he would have it credited unless I wanted to go forward with the loan,in which case they would credit it on the loan itself. So, here I am paying interest for a couple of weeks on $300.00 that should have never been charged on my Master card in the first place. My paperwork did reflect the $300.0 discount as Mr Shores stated that they would do. That was only after I told him I was reporting fraud on the part of Countrywide. Then when the notary arrived with my paperwork there was a pre payment penalty attached to the loan,one that lasts for 5 years.I was never told about this pre payment penalty even though I was in contact with 3 different people at Countrywide in Roseville.J.D.Powers and Associates may rate Countrywide aS #1 in Customer Satisfaction but I personally don't see how. I have dealt with numerous Mortgage companies and banks when seeking a real estate loan and Countrywide has been the only one to be deceitful and to try and get away with an act of fraud.

I made a payment via Countrywide's website to pay my April home equity line in full. After a few days, I realized Countrywide had not posted my payment, and they had blocked online access to my account, with a message that it requires 'special attention'. After calling the number provided on their website, they said they hadn't posted my payment because my account was in the modification process. I told them I was not interested in any modification, and wanted my payment posted. Just for the record, in the 8 years I've been making my mortgage payment, I have NEVER been late, and I have excellent credit.

The representatives are giving me the runaround, saying they will fix my account and post the payment, and for me to call back the next day.

It has now been about 3 weeks since I made the payment, and I have called repeatedly to resolve the problem, and as of today, my payment has still not been posted, and they have given me a late fee! I filed a complaint today with the Office of Thrift Supervision and the OCC. I will also be mailing a letters of my complaint to every Countrywide mailing address I can find.

We fell behind due to debit card fraud on our checking account which resulted in a returned check. We had never been late on our mortgage in 5 years before this occurred, then within 30 days of this event I lost my job. Needless to say, we fell further behind and after 90 days our home was in foreclosure. Our account was impacted by enormous fees causing the original arrears to be double. We worked out a repayment plan with Countrywide that cost us an additional $500 a month but truly believed we were going to turn this situation around since I had gainful employment and we had a plan we could live with, we were not happy about the total expense this had cost us but we were going to fix what was wrong. After six months of paying as agreed... to our surprise the July payment was refused by Countrywide, ironically they never contacted us, we found out when Western Union sent us a letter about three weeks later. When I contacted CW they claimed our payment was $5 short, I had sent them $1700 every month prior to this and that was the agreement, but they claimed it to be $1705 and refused to take anything unless we did another repayment plan that ended up costing us more fees and resulted an additional $100 month for another 12 months. They are crooks! Yet another payment refusal came our way and of course the fees followed and we had come up with another plan, this time they offered loan modification and that sounded like the way to go if it would bring us current and we start repairing our credit to hopefully refinance and get the heck away from CW. Well they took our $5000 good faith payment to modify our loan and applied to a bunch of erroneous fees and we are still in arrears and facing foreclosure again. Why doesn't someone do something to these people once and for all, there are so many stories just like ours and it WRONG! People work hard for their money and want a home for their families, we should never gone through this in the first place and now we are at risk of loosing out home and our $65,000 in equity. There should be recourse for the public when large corporations take advantage of people like this, why do I pay taxes to a government that turns their head to such blunted crooks like this. I want a class action lawsuit filed and I want everyone to get what they have coming to them including Countrywide Home Loans.

John E. Shepard
3201 Key West Dr.
Garland, TX 75044
11-16-2017
THIS HOW PEOPLE LOOSE THEIR HOMES INVAID AGREEMENT
Country Wide Finance Department repeating phone calls (3 or 4 daily)
Dear Lawyer:
We have requested that Country Wide Finance Company do not call us daily (3 or 4 time). The open statement “This is a call from a debt collector and we are informing you that we need to collect a debt.” We made payment arrangement with this company to skip one payment.
We receive a called on the2 day of November, 2017 with the customer service operator stating that we owe for two months of payment.
This has been a daily process of calls from Country Wide. Sometimes we receive 3 or 4 calls a day.
The contract that we agreed to pay Country Wide back on a five month plan has been violated by Country Wide Mortgage Company and we would like to take legal action against them(start day December 2017).
We agreed to be put a 5 month payment plan and they also state that this would not effective our credit but it has affected our credit.
(Payment plan 1500 per month for the next 5 months)
Thank You,

John E. Shepard
Cc Ross and Matthew Law Firm Bank of America
Date of calls
Sunday, November 16, 2017 Time 8:20 from Mrs. Ana Pedia ex (4911)
Later Mr. Savio Kapoor (supervisor) calling to collect a debt
Please stop the madness our note had been paid [protected])
Payment plan starts next month

Countrywide had very bad communication with us. They were given all of our deadlines for our home purchase, yet they continually missed our deadlines even when we called to remind them. Important papers were never mailed or emailed to us, like employees at Countrywide said they would be. We were actually told something was in the mail... we never received it! They took forever to get the appointment for the appraiser, which hurt us in the long run.

They gave us a "pre-qualification" for an FHA loan. That sat on their desk for three weeks before we decided to continue. When they actually tried to qualify us on that loan, we were told that we didn't qualify. Countrywide should have been educated about the qualifications of the loan when we first went in. So, we went with another loan. On the day before closing they had an appraisal done on our house. At noon they called to tell us that everything was going great, the appraisal come back with good numbers and we would be able to make the noon closing time for the next day. An hour later, Countrywide called back saying there were problems with our appraisal and we wouldn't be able to close the next day. We were told that we would now need to put more money down because the appraiser deemed our neighborhood a "soft market". Ultimately, Countrywide's lack of qualification, communication, quick response and truthfulness led us to seek another lender. Hopefully this deal isn't ruined for us!

After my 2 year ARM loan adjusted from 6.8 percent to 9.9 percent, and getting hit with taxes and fees. My payment went from 2075.00 per month to over 3400.00 per month. Countrywide denied me a refinance. Debt ratio was too high I guess. Now my credit score lacks also. All because I have not made a payment to them in two months. We have been going back and forth over this damn loan modification deal. They have news stories. They have internet stories. The big ole president of countrywide himself has promised all us bums a pre approved loan adjustment. They state they want to help us get back on our feet. They want to avoid foreclosures. Well, I have done all they have asked me to do. They even have the latest pay stubs. They also don't have voicemail now. So when you need to talk to someone, you are placed on hold forever. Then, they get you some stupid ### that doesn't have a clue as to what modifications are. And that a loan negotiator will call us back. It takes a week sometimes. And, if you miss the call, cause lets say your at work, well, your ### out of luck. After two months of the paper trail, and phone calls, they tell us we ARE DENIED A LOAN MODIFICATION! We cant afford it. NO ###! Who can afford their house payment to double. All they have to do is lower the rate back to what it was, and we can afford our home. But now. They want foreclosure. I hear this is happening to alot of you out there. Its time to sue! They are rude, and they are full of empty promises. Countrywide is a fraud. They are not doing one loan modification. Its only to make them look good to investors. That is why they promise these loan mods. If you get one, let me know. See ya in foreclosure!

This is about sexual harassment going on in our department. There is this employee who was in jail and was bailed by this female employee. Now everybody knows about their sexual relationship. This is very uncomfortable working around this 2 people and everyone had complained about it but nothing was done. How are we employees be able to work. And since everyone knows, why are these 2 people still working in the same department, this environment is very unhealthy for the rest of us. This 2 people work in the same area. The sad thing is the male is married with children while the female knows but did not care. What kind of work environment is this.

From
Concerned employees in the Tax Dept.

I am charged 125% more finance charge than the previous month, even though my payment was scheduled on time and got credited before the due date. No clue, what is going on with them, I never use this BoA credit card anymore.

Legal robbery thieves - BOA.

My interest rates on all my cards have shot up. I always pay in full every month, so it doesn't matter too much for me, but from what I see, they don't even need an excuse... they do whatever they want, whenever they want, as often as they want.

They won't be paying us interest on those billions we gave them. They probably won't even pay it back at all.

I receive change of acccount notification; my finance charge were going increase to 26.99%, i needed to respond by a May 30, to reject the increase. If I did not accept the changes I my account would be closed and I would pay the account off at the current amount. I recently received an increase in my finance charge of 27%. I have spoke to approximately 3o individual trying to get this corrected. The most recent individual informed me that I had not been late on this account account so the reviewed my account and that is why there was an increase. I explained the account I had closed the account over a year and a half prior, so why were they revisiting my account? She said the account was never closed. I sent the letter certified mail for proof. I did not trust them from previous tactics. She(Michelle) informs me that she has to re-review my account to help me. I explained, I did not want her to run my credit, she stated as long as I had there credit card she had that right. I explained that I did not have their credit card I closed the account and I had not used that card since '07, when I declined the increase. I ask her why is she taking me through all of this and when I am sure there are multiple notes on the account regarding this. She stated she understands I have spoken to numerous people but she is the one to resolve my issue. She said she will close the account per customers request. She would have the account finance charge dropped to 10%. I received a letter today, Stating could not assist me due to serious delinquency, high unpaid revolving debt to high. (not true). The account was closed because I have sufficient debt considering my income as per my discussion with the credit analyst. All of this is fabrication.

My husband & I have a very very similar story. My husband (the sole income earner) lost his job last year, I had a baby just the previous year & we also were struggling w/payments. I called CW several consecutive months prior to my husband losing his job to see if they could "help" us in anyway and was told they could do nothing because we were current on our loan and they only had programs if we were in default. Each month was the same story. When our mortgage went inevitable delinquent I called back to see if NOW they could help us and their story changed again! I was also told to wait for the new bills & programs and applied and tried to apply for several and never qualify for some reason or another. We were told we could do a short sale, put it on the market, but was told it really wasnt in short sale status until we received an offer therefore it could go to foreclosure at anytime. Guess what...now they put it in foreclosure. After us trying to do the right thing and consult w/CW from the beginning, we have been driven to the conclusion that we could of just lived in the house for the past year, not paying the mortgage, saving the $$ & catching ourselves up. Instead we listened to CW and got screwed. Shame on CW and everyone who is employed with them and participates in misleading and straight out lies to customers.

Contact your local HUD-with the new Obama Plan 31% of your gross income is what they are suppose to get your house payment down to. I received my modification interest is 5.25% but the payment is stil 50% of my income because the are adding the property tax and homeowners onto the amount-it's suppose to be figure into the 30% not in addition to the 31% CONTACT HUD OR BETTER YET FILE BAKNRUPTCY.

Countrywide how can you do this to pepole who try to do whats right and take it away.If only you would have dropped our int.rate from 10.12% to something we could afford you would get your house payments on time and maybe we could repair our lifes.This is not right and countrywide knows it.This house isn't worth anything to you, it won't make you any money only make the neighborhood with nice young people trying to make it.It would be a shame for someone to buy and let run down to rent.It does need a lot of work we have put off because of all of this.I want to keep our house.Please please help.

We got behind on our payments with countrywide went for a loan modification waited and called many times .We were told the couldn't talk with us because we were in modification and we would receive something FED.While we were waiting 3 mo. we got futher behind .When we received the modificatins, modification meaning less our payments went up $300.00. If we could afford the payment of $800.00 before how can we afford more.I didnot sign, so countrywide said they would do another modification in the mean time we got forecloser papers . More calls with idiots who don;t know what their doing but did stop forecloser for the time, we started this in Jan.2008 first modification received inAug2008 went into second modification right away in Sept.2008, received second FED in Jan.2009, samething.Payments went up again, I called and was told if we did not sign this time that forecloser would take up where it left off, that would mean we 'd have to be out of our of our home in 60 days, she even laughed and said this payment with all the nessessarys is more then you make a mo.But if you don;t sign this time we will go on with forecloser. I signed the payment was due April 1st can;t make the payment.What can we do we have lived in this house for 25yrs.Trouble started 7 yrs ago we went for custody of our grandchildren then 5, 9@16.Legal fees cost thousands so we had to refinance twice fast for money to pay atty, fees.credit went to hell.Then i had chemo for colon cancer and thousands, now the kids are at least safe, still have two at home 12@16, and now with everything ealse they had to go through were about to lose their home we are in our 60's and no place to turn.If anyone has come kind of answer to help we would be so greatful. God bless you.
Donna Loveall
donnaloveall@wownow.com

Countrywide is notorious for fraudulent transactions and giving misleading information over the phone...I lost my home to foreclosure after over 25 phone calls and them telling me they were putting a loan modification offer in the mail, but instead they sent final foreclosure papers...find a HUD counseling office in your area RIGHT AWAY and talk to them OR go to this website:

http://www.hud.gov/foreclosure/

Good Luck!

You need to get in touch with your local hud counsling office for they have the experience in handling this problem. they do not charge a fee. I do not know what I would have done with out there help.

THEY DID THE SAME THING TO ME. I HAVE $12, 100 CREDIT CARD LIMIT AND HAD $5500 LEFT OVER THINKING I CAN CONSOLIDATE MY HIGHER CREDIT CARD BUT NEED ADDITIONAL $500 SO I ASK THEM TO HAVE A CREDIT INCREASE OF $500, INSTEAD A LADY I SPOKE WITH (LINDA WATSON) REDUCED MY CREDIT LIMIT TO $7000 AND CLOSED THE OTHER CARD I HAD WITH THEM. I HAD TOLD HER THAT I'M NEVER LATE ALWAYS PAYING MY CARD ON TIME AND MOST OF THE TIME AHEAD OF THE DUE DATE AND SHE SAID THAT IT HAS NOTHING TO DO WITH THAT OVER AND OVER AGAIN, SHE WAS VERY RUDE AND NO REMORSE SHE EVEN ASK ME HOW MUCH I HAVE SAVE UP OR IF I HAVE ANY STOCKS, CD MONEY PUT AWAY AND I ASK HER IF SHE REALLY HAS TO KNOW ALL THAT AND SHE RUDELY ANSWERED NO! BUT IF YOU HAVE ANY MORE INCOME THIS IS THE TIME TO TELL HER NOW. I CAN'T BELIEVE A PERSON LIKE THAT EXIST THIS EARTH MY GOSH! SHE EVEN MADE A COMMENT THAT IT SEEMS TO ME THAT YOU ARE NOT HAVING A FINANCIAL DIFFICULTY!...AND I ASK HER WHAT SHE DID WAS LEGA AND SHE SAID IT IS (VERY PROUDLY)AND I ALSO ASK HER WHY IS SHE DOING THAT, AND HER REPLY WAS BECAUSE I CAN... AND THAT SHE IS A PERSON THAT MAKES THAT DECISION. FOR HER TO MAKE THAT COMMENT ABOUT MY FINANCIAL SITUATION SHE DOESN'T HAVE ANY IDEA WHAT I'M GOING THROUGH SHE MADE MY LIFE SITUATION HARDER. IF I KNEW I WAS GOING TO INCOUNTER SUCH PERSON I WOULDN'T EVEN TRY TO ASK FOR INCREASE SO JUST MADE A BALANCE TRANSFER. ALL I KNOW IS THAT THERE ARE PEOPLE OUT THERE THAT DON'T CARE ABOUT HELPING ANOTHER HUMAN BEING IF EVEN THEY HOLD THAT CHANCE TO HELP. ITS JUST VERY SAD TO ME I JUST STARTED CRYING. I REALLY FEEL YOUR PAIN I HAVE BEEN WITH THIS COMPANY MANY YEARS.

Recently, I made purchases on my BOA account. On Saturday, after the "end" of the business day, I found I was in the red by $22.00.

Because I had cash, I deposited in my account and had a positive balance. Then I was given another check of $373 and put that in the account. Until today, all the charges were pending. So almost $500 in my account, and then I find that most of the oldest transactions are either pending, or they've been given an earlier date to justify the $35 fee taken out of my account.

I'm not a rich man, but at the same time, if I owe money, I pay it. But every time I turn around, the system is backdated or the charges posted out of order to make sure I have to pay. When I asked about this, I was told to make sure I pay attention to how much I spend. When I said that I'm poor so every penny is always looked at, they got upset. I'm paying more in bogus bank fees and charges than what I have because even when I put money in, they still keep charges pending until more money comes in the account. More than once, I've seen a transaction post 3 days earlier or a deposit post for the next day, even if it's been on time. What should I do?

HELP - HELP - HELP

LOOKING FOR A LAW FIRM WILLING TO FIGHT FOR THE
WORKING FORCE THAT'S RIPPED OFF DAY TO DAY BY
THE BANKS.

Leave that bank, you have that right! They royally did us wrong because I did not get a letter from them to confirm some agrrements! Read Debt Cures or look at the Hinsley Law Firm site info on them. They are thieves! You don't deserve to be treated that way and neither did we and they have wrecked our credit because I want to stand my ground against their wrongdoing but we basically get hurt out of it. I'm not done but it's taking me too long coz I keep thinking it's getting solved...not

not only are they theives" but liars as well.

Bank of America is fast becoming known for their thieving and even fraudulent activities, Identity theft (of a slightly modified type) being one of them.

They have had some financial struggles which explains why they have done and continue to do what they do to people. They also employ a lawfirm that follows suit with named Goldman and Warshaw, who sue people for bogus debts, do not serve the people when they sue and pay off County Clerks (or as in one case in Ithaca, NY) traded sexual favors to file a large (and bogus) judgment.

All typical of an obviously terrorist run banking institution.

How about not waiting until the last minute to make your payment? It's due BY a certain date, and if you pay say, three or four days early, what's the harm? Can you make your mortgage payment online within 24 hours? Car loan?

In 2008, Bank of America opened a credit card account linked to the debtor's checking account without permission of the debtor or knowledge of the debtor. For over a year Bank of America racked up bank fees without notifying the debtor of the existence of the credit card account. Bank of America posted all sorts of bank fees (late fees, maintenance fees, etc.) to this credit card account for over a year without ever notifying the debtor by mail or phone that the credit card account existed. The debtor received all types of other mailings from Bank of America but never anything regarding a credit card. Debtor was completely unaware of the credit card account, never got a credit card, never activated or used a credit card and the only charges on the account were generated by Bank of America. Account went to Collection in 2009 and debtor received a letter out of the blue that his credit card account with Bank of America was delinquent over $400.00. Debtor had to pay to settle and his credit score is now seriously negatively impacted. Bank of America made it impossible to deal with it via phone and the local branch was useless also. Debtor has since closed his accounts with Bank of America. He was clearly unfairly and deceptively used by Bank of America for its own financial gain. This is larceny and Bank of America should be held accountable as would any other thief robbing people of their money.

I agree 100% that Bank of America is corrupt. I wonder if some kind of class action suit would work? They constantly charge fees whenever they can. They just recently changed their policy to where the charge overdraft fees even if the online banking shows a positive balance. They delay posting credits to the account to create more overdraft fees, and they deduct the highest debits first then the lowest creating the most overdrafts possible. I really can't believe how corrupt they are. I've been charged thousands of dollars over the last 6 years. I should have closed my account years ago, but everytime it happens, I just can't believe that they would do it again. And recently, the changed their policy to where your account doesn't even have to be in the "red" for them to charge overdraft fees. They have their own behind the scenes system that works to their advantage and I'm certain they make millions a year on fools like me. I have to close my account now but it's such a pain because of all the direct deposits and automated stuff I've got going on with them including merchant accounts etc. I wish Bank of American would have to pay for their greed, not get bailed out by the governments.

This is not the first time and this is not the only bank. There are many clients come to us that face such problems in their life. We are the company that handle these situations efficiently. For more details visit our site http://www.jskclaims.com

Bank of America is a rip off. They charge there members fees for charges they never made. I accidently one day over purchaed and went 2.00 negative in my account, i ended up paying almost 140.00 in late fees cause they charged me 4 bounched check fees for 2.00 damn dollars. I guess they need our money to send there executives to the super bowl and fancy parties and expensive hotels

Need help to fix my cradit

Please help me to have morage

Loan was refinanced from aurora loan mortgage in one name and became financed in another persons name... (my spouse who had a credit score a few points higher than the original owner /buyer of the original note, the higher score person was awarded the deed, leaving the original owner as a co-buyer now to do anything concerning the property, the new owner// has to approve and sign everything, why am I limited... later it wasrefinanced again to centex mortgage... now nationstar mortgage the original owner no longer holds much intrest in the property because of countrywides shift from original owner to person with the highest credit score? the original owner still has limited say so as to the rights of the property. after refinance papers were done first original owner has to return to full spectrum lending to sign other papers abot a week later and had to redate the papers for acceptance for refinancing and then became co-borrower. is this deceptive. angry... lost ownership to property... and so call owner has vacated the property leaving all payment to be paid by original owner... what a mess country has left original owner in... oh oh oh...

Bank of America is engaging in severely unfair practices. We have had a credit credit with BOA for more than ten years. Our credit score is in the 780s. We have never missed or been late on a payment, or exceeded our credit allowance. Nonetheless, BOA sent us a letter telling us they were increasing our interest rate 8%. What possible justification could this company, which has already taken enough from the taxpayers, have for engaging in such usurious activity? I plan to report them to my representatives and the better business bureau, and I encourage like-treated customers to do the same. If we do not begin to make our voices heard, these things will never change and unscrupulous creditors will continue to take advantage of us. SIGNED, A VERY CONCERNED CITIZEN.

Countrywide Sucks! As soon as I can re-fi with
some one else I will. I have a fixed 30yr with CW.
They were always sending me letters saying I was
pre-qualified for re-financing and they had great
deals. I wanted to lower my payment. I called and
was put throuh to a Brian Holland in Arizona. He
checked my credit as we talked, he told me my
credit at all three bureaus was around 820. I
told him I'm disabled, had low income, but that I
did earn undocumented income pet sitting, and
selling some of my art. He sounded so positive
and encouraging. He insisted I pay $410. up
front for an appraisal fee. Reluctantly I agreed.
During the appraisal I learned that Land Safe,
the Appraisal Co. Is a Subsidiary of, guess who?
Countrywide. Inspite of the fact that I own 70%
of my home, pay my taxes and insurance, and
never been late on a payment and had a really
high credit score I was turned down to refinance
by the Bank holding my loan because I didn't earn
enough. But hey! They had a good look at my
property, at my expense, and they put my money
in their pocket through Land Safe. Brian Holland
said he would try to get my money back, but I
have yet to see it and it's two months.