...Or, you could do what I did when Countrywide “lost” a mortgage payment (which they had cashed and wrongly applied to someone else’s account..they admitted it every time I called but would never “fix” it). This went on for months with them promising to correct it on one end, while threatening me for being behind in my payments on the other.
I finally called our State Bank Examiner, who wrote the President of Countrywide a letter. I have no idea what it said, but I got a call from the asst. to the President of Countrywide within days. They were VERY rude to me and made it clear that they did “not appreciate” my having involved the “State” in this matter...but I had letter in my hands within hours of that phone call apologizing for their misapplication of my payment; along with proof that they had sent correction letters to the credit reporting agencies (CC’d to the Bank Examiner).
I spent over 6 months and countless hours trying to get them to rectify THEIR mistake before having to bring in the big guns...and they got mad at ME....Idiots.
Someday BOA who bought Countrywide is going to find themselves against the wall or they will decide that there will be just too much money to be made ‘bending people over’ on the Countrywide mortgages they now own and what you went through will end up being a teardrop compared to the ocean of what they will put people through.