Countrywide Informative - Late Fees
Recently my mortgage of 3 years was transferred or bought out by Countrywide Mortgage. I received my first months payment statement from them and Wallah! I already had a late fee. I went round and round with their customer service rep and receive a condescending letter from Countrywide telling me I should pay on time. The next month when I receive the statement with the late fee, I call and I'm told it will be removed. Later that day I receive a phone call from them recanting that promise and they explain that the late fee is from a year ago and was with the previous mortgage company. What?? I never received a notice from my prior mortgage company and I overpaid the mortgage payment each month. Why wouldn't they have deducted it from the overpayment? Well, Countrywide can't explain that, but can assure me that one year ago I made a late payment and I should just pay this charge.
I tell them I will not and they inform me that if it doesn't get paid, they will freeze my account and it will damage my credit. You have no control over who buys your mortgage, but I am going to try and refinance to get rid of these guys for sure! They've had my mortgage 3 months and I've had nothing but problems with them.