Countrywide mailed a letter stating that I was one month behind on my mortgage and that I need to send $1,102 or that I might be subject to other default related actions such as returning payments that are less than what is owed. I have never missed a payment and after reviewing my transaction history on-line at their website I noticed that a due date adjustment was arbitrarily made on my account back in March and what appears to be a double posting for the month of March.
This due date adjustment is what caused my payments to be late. I contacted them in writing and at their on-line message center asking for an explanation and I only received a reply (with no name) that they will be researching and get back with me. They stated I would have an answer within 10 days. 43 days have passed and still no letter. I wrote them again on 10/13/04 and also filed a complaint with the FTC and the Georgia Department of Banking and Finance. I also spoke with an investigator working for a Florida law firm who has filed a class action law suit against Countrywide for them purchasing insurance without authorization when home owners had actually purchased their own private insurance.
This company has rip-off written all over them. I went ahead and sent them the $1,102.00 just so they want proceed with other default related actions. When I receive feedback from the GDBF and FTC I will update. If anyone else has had similar problems like I have please let me know.
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