What is the name of your state? Nevada
Last year Countrywide bought our loan from another company. In our closing documents, Section 5, it explains the Annual Maintenance Fee. It states it is $100 per year, unless two conditions are met, then it is waived. The conditions are maintaining a minimum balance and not making any late payments, both of which we met.
At the 1 year point Countrywide just went ahead and withdrew the $100, disregarding the whole term of "waived". I have spoken to them on the phone, emailed them and sent a qualified written request. They have refused to refund the $100 and mailed me a copy of my documents, which have the whole waived line on there, but did not explain how they are able to get away with still taking it.
Anyway, I would like to know who you can complain to about this? I know that mortgage companies can not change the closing terms on the original documents, which is what they have done. Is there an organization who enforces these rules?
Last year Countrywide bought our loan from another company. In our closing documents, Section 5, it explains the Annual Maintenance Fee. It states it is $100 per year, unless two conditions are met, then it is waived. The conditions are maintaining a minimum balance and not making any late payments, both of which we met.
At the 1 year point Countrywide just went ahead and withdrew the $100, disregarding the whole term of "waived". I have spoken to them on the phone, emailed them and sent a qualified written request. They have refused to refund the $100 and mailed me a copy of my documents, which have the whole waived line on there, but did not explain how they are able to get away with still taking it.
Anyway, I would like to know who you can complain to about this? I know that mortgage companies can not change the closing terms on the original documents, which is what they have done. Is there an organization who enforces these rules?
