CCO Mortgage Review

We just bought our first house and we got our mortgage through CCO Mortgage.  SInce day 1 we have had nothing but bad experiences.  We went through Citizens Bank, and the representative that we worked with was not knowledgeable, often lied to us about the status of things, and never answered her phone or returned calls.  Everything is done at the absolute last possible minute which caused us to almost miss our mortgage contingency date, and we did not close on time, even though we were assured over and over that we would (although I know this is common).

But thats not even the beginning.  We closed on our house at the end of May, so our property taxes were coming due very soon. Therefore, the July installment was paid at closing, and we also put extra money into our escrow account.  Well, without receiving a bill, CCO Mortgage requested from our town's tax collector to know how much our taxes were, and then paid them AGAIN, with our escrow account.  Well obviously there wasn't enough money in their to pay for an entire next tax bill yet so the escrow is now deficient.  So because they basically paid the year of taxes in full our town does not refund money.  Therefore, our taxes will not become due again for another year, BUT CCO Mortgage is still demanding that we pay our entire monthly tax amount PLUS hundreds more because of the deficient escrow account.  

They are completely incompetent though, because the math just does not add up and we are going to have thousands of surplus that we can't touch--the money that we are paying each month for our taxes is more than enough because the next payment will not be due for a year (and we are getting married in 7 months and could really use that money for other things) It has been almost 2 months since we have been calling and writing them letters.  When we call, one representative will tell us that they are going to stop making us pay extra, and then we call back and they say that no one ever said that.  Its ridiculous. They just do not do anything when they are asked.  If this isnt resolved soon we are going to make a formal complaint with the bank commissioner.

For now I just felt like letting everyone know to STAY VERY VERY VERY FAR AWAY FROM CCO MORTGAGE!!!!!!!!! Please do not make the same mistake that we did.  We have not had one positive experience since we chose them for our mortgage.