I have a mortgage with Countrywide. I always pay my mortgage on time before the 16th of the month grace period. In November I paid my mortgage online 3 days before the 16th and was charged $6.00. I wrote to them and received no reply. In December I paid my mortgage 5 days before the 16th and was charged $3 extra. I wrote to them again and their excuse was that I choose to pay online and that because I choose to pay online I will be charged these fees. I am paid bi-weekly and for that reason cannot always pay by the 1st. I have called them to... read full review »