From my experiences with Countrywide I think they must be one of the most disgraceful and incompetent lenders. I had the misfortunate of having a mortgage and HELOC with Countrywide. Below are the main issues I had:

Unauthorized credit report pulls: When I was a Countrywide customer, they called me on 2 separate occasions to ask if I was interested in refinancing. Both times I asked what the rate was and since they were unappealing I declined. Yet it turns out they pulled my credit report each time without telling me just to give me refinance rates during a 1-minute phone call!

HELOC woes: HELOC...