CountryWide Mortgage is Screwing Its Customers

This is not the usual DC tech post here, rather a message that I need your help in spreading.  I have a story to tell and I would like all of your help to let Countrywide Mortgage understand the power of social media these days.
So here is my story in a nutshell … Last fall I received a letter from Countrywide informing me that FEMA had redrawn he flood elevation maps and that my property is inside the new flood zone, which is a story into itself, but that is for another time.  In the letter Countrywide informed me that as of Dec 15th they would provide insurance at a cots of $2,700.  I thought wow, that is a lot of money for !  At once I contacted my insurance company and asked to pursue a flood insurance policy.  They told me in order for FEMA to give a flood rate back to them, I needed to have a survey of my property done.  I thought, "this is odd, how come I have to provide FEMA with a elevation report ?  Did Countrywide have to do the same ?".  I decided to find out. 
I called Countrywide and asked and asked until I got to the right person.  He worked for a company that Countrywide contracted to determine if the property was in a flood zone or not.  I asked about how they determined the flood insurance rate and was informed that Countrywide did not look at that, they said either you are or not and then charged you the MAX amount.  Great.  So it was upon me to find my elevation and submit to FEMA to actually determine my insurance rate.  This cost me $500 for this alone.  After my insurance company filed the paperwork, it was determined that my yearly policy was going to cost $594, according to FEMA rates.  Quite a bit more than the $2700 Countrywide was charging.  This leads to my first legal/ethical question. 
How can Countrywide charge you the max rate and not be held to the same standards as us consumers are ?  I still do not know the answer to this question.  How can they legally levy an arbitrary maximum amount to your policy, when as a consumer I could not obtain anything until I had the proper elevation reports done ?
After I received my policy I forwarded it to Countrywide as proof so they could cancel their provided insurance.  Today I got home to a letter from Countrywide saying they had cancelled their policy, but I still owed them a pro-rated amount for 3 months of $672 !  More than FEMA states an entire year policy should cost.  I called their insurance department today to ask if they thought it odd that a full year policy cost $594 and i owed them $672 for just three months ?  As usual it was like talking to a robot. 
This has to stop, these companies need to be help accountable for their actions as well as being held to the same standards as the consumers.  Sounds like a class action lawsuit waiting to happen.

Please forward this and Digg it, Stumble It, whatever we can do to spread the word of this type of business practice.