Complaints

This profile includes complaints for Countrywide Debt Relief LLC's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Countrywide Debt Relief LLC

  1504 Brookhollow Dr Ste 117 Santa Ana, CA 92705-5418

  
• 

  Countrywide Debt Relief LLC

  2 Corporate Park Ste 201 Irvine, CA 92606-5103

  

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:02/18/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  It is completely unacceptable what your company has done to me. You have caused me great emotional and mental stress over this disaster. I want to know specifically how you obtained my address, and how you think its okay to send that to me saying that Ive been sued, and mix me up with someone else. I also find it extremely unacceptable how your phone *** rudely hung up on me. I plan on filing a grievance with the NY state *************************** over what you all have done. Immediately let me know how you got my address and never send me anything like that again.  see attached screenshots. I am hereby requesting you immediately remove my address of ********************************************* from your system.I am also requesting a reply to this email with the following: 1. confirming you received it, 2. have acknowledged I have nothing to do with this, 3. and furthermore that you will completely remove me from this case as I have no association with it. I will be contacting a lawyer about this and informing them how my name got caught up in this from this debt collection agency, Countrywide Debt Relief / Velocity Investments.

  

  Business Response

  Date: 02/18/2025

  Hello. We have notified the marketing team of your concern. We have requested that your information be removed from the marketing list. We apologize for any inconvenience. 

  

  Business Response

  Date: 03/03/2025

  The information regarding the case was obtained from public court records.Your address has been deleted from our marketing database. We sincerely apologize for the inconvenience. 

  Customer Answer

  Date: 03/05/2025

  again, you are giving me a generic boilerplate response and completely ignored my question of HOW you obtained my address and mixed me up with this other individual who owes thousands of dollars 

   

  It is completely unacceptable what your company has done to me. You have caused me great emotional and mental stress over this disaster. I want to know specifically how you obtained my address, and how you think its okay to send that to me saying that Ive been sued, and mix me up with someone else. I also find it extremely unacceptable how your phone *** rudely hung up on me. I plan on filing a grievance with the NY state *************************** over what you all have done. Immediately let me know how you got my address and never send me anything like that again. 

• Initial Complaint

  Date:01/02/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Contacted Countrywide Debt Relief/*************** April 2024. After consideration, I asked a lot of questions never having been in this situation before. I was told a settlement with each of my creditors (4)would reach a settlement with each of them withing 6 months. I decided to proceed.After signing up, $481.89 per mo was drafted from my account. After 3 months, I called to check on progress. They only negotiated w/ 1 creditor so far, which was *********. The following month, there was still no progress with the other 3 creditors. I was never provided straight answers after every call & was left feeling unsettled. I requested to speak with a supervisor, (***** Z, ************************* I was also told my other creditors have not responded to their settlement request. After 7 months of them drawing $481.89 from my account ($3,373.23 total), there was nearly no progress. Contacting ***** again, she advised me the creditors have not responded to their settlement. After months of this, I took matters into my own hands. I called each of my accounts, found out that Countrywide did not contact any of my creditors, they only received a ceased & desist letter! As upsetting as this was, I negotiated a settlement with my creditors and paid them off.However, before working with my creditors, and still working with *****, I asked for my account to be escalated. She said shed bring this to the attention of their legal counsel. A week later, I received an email with a breakdown of my charges, see attached. After reviewing the breakdown, I tried calling several times. Each time being forwarded to VM as they screen their calls. Bottom line, only 1 creditor was partially settled, the remainder of my money was claimed to go to their customer fees, which doesnt seem correct. Also, it seems once I started to figure out their business practices, they wouldnt communicate with me. I would like to have a *** from BBB contact me so I can explain in further detail.

  

  Business Response

  Date: 02/04/2025

  Complaint Review Summary
  

  Program Enrollment Details
  - Enrollment Date: April 24, 2024
  - Program Type: Debt Resolution
  - Number of Creditors: 4
  - Total Enrolled Debt: $32,062
  - Original Program Term: 60 months
  
  Program Activity
  - Client completed 6 monthly payments
  - Successfully negotiated and settled with 1 creditor
  - Client requested early settlement of remaining creditors
  - Program cancellation initiated by client
  
  Resolution Explanation
  We were unable to fulfill the client's request for immediate settlement of all remaining creditors due to the following:
  
  1. The program was specifically structured for a 60-month repayment term
  2. Accelerated settlements for all creditors within 6 months would deviate from:
     - Original program terms
     - Established payment schedule
     - Available settlement funds
  
  The program's design requires consistent monthly payments over the full 60-month term to accumulate sufficient funds for strategic settlements with all enrolled creditors.

• Initial Complaint

  Date:08/04/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am filing a complaint against Countrywide Debt Relief (********************************************) for the following actions by Countrywide Debt Relief (CWDR) against me, *** ********, consumer: 1. **** has been and is currently engaging in business practices that violate California Business and Professions Code #*****, which is defined as a "business practice or act that is deceptive, fraudulent, or causes injury to a consumer." 2. Unfair trade practices involve causing substantial injury (financial) to a consumer for the purpose of turning a profit. In my specific case/circumstance, CWDR deceptively and fraudulently stated to me that their business purpose, their services and my contractual engagement with **** was premised upon my desire and need to create debt resolution (reduction). I did not discuss or contract with **** for legal representation services. From June 2023-July 2024 (12 months), I paid $2,130 to **** for services that I did not personally realize. In effect, CWDR deceived me of $2,130 and I was contractually disposed to lose significantly more if I had not come to the understanding that ****'s business terms and policies are about preying upon people who desire or need debt resolution/reduction, and, in turn, CWDR creates debt enhancement for the consumer while generating ************ fee income at the consumer's expense. In my specific case, I made payments to **** totaling $3,032 over the course of 12 months for debt resolution (reduction) services. Exactly 70% ($2,130) of these payments were retained by **** as service fee income and 30% were used to pay down my debt with a single creditor account (out of the 6 creditor accounts I had enrolled). Additionally, I experienced the following: 1-**** does not send monthly account activity statements, 2-The monthly activity statements use incorrect and misleading descriptors, 3-I did not have communications with a lawyer, 3-**** managed only one creditor account out of the 6 enrolled accounts.

  

  Business Response

  Date: 02/04/2025

  Response to Consumer Complaint
  
  Program Enrollment Details
  - Enrollment Date: June 8, 2023
  - Program Type: Debt Resolution
  - Number of Creditors: 5
  - Total Enrolled Debt: $16,998
  - Original Program Term: 47 months
  
  Program Activity and Payments
  - Total Net Payments Received: $3,032.02
  - Payment Period: 12 monthly payments
  - Program Status: Cancelled prior to completion
  
  Debt *************************************** focused on debt negotiation and settlement
  - Program structured for 47-month completion term
  - Successfully settled one enrolled account
  
  Legal ********************************* agreement signed by client
  - Optional program benefit for legal protection
  - Services provided by independent attorneys
  - Fees separately authorized in agreement
  
  We have confirmed:
  1. Existence of signed Legal Access Plan agreement
  2. Authorization of associated legal fees
  3. Delivery of legal services under the plan
  4. Detailed breakdown of all program funds provided to client
  

  Fee Structure and Services
  - All fees were properly disclosed and authorized
  - Legal Access Plan was a separate, optional service
  - Client received benefits from both programs:
    - Debt resolution services
    - Legal protection services
  
  Program Termination
  - Client chose to cancel before program completion
  - Early termination occurred before reaching full debt resolution
  - Services were delivered as contracted during active period
  
  Our review confirms that all services were:
  1. Properly disclosed
  2. Contractually authorized
  3. Actually delivered
  4. Accurately documented
  
  We maintain complete documentation of all agreements and services provided. We remain committed to addressing any specific questions about the program or legal services received during the enrollment period.
  

   

• Initial Complaint

  Date:01/09/2023

  Type:Delivery Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Thank you for your response. I just want to wait a week to see if any further mailings go to that address and also, I need the business' confirmation that they have removed the address (not the name) from their database. Once I have the business' confirmation I will close this complaint as a satisfactory response.

  

  Business Response

  Date: 01/28/2023

  We have noted the file and will make sure no further mail is sent. 

• Initial Complaint

  Date:08/09/2022

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  *********************
  
   
  

  

  Business Response

  Date: 01/28/2023

  We have removed from our marketing list. Our apologies for the inconvenience.