CCO Mortgage Reviews

Stay away from CCO Mortgage!!! Their customer service is non-existent. Their local "Charter One Bank" branches do not have mortgage representatives in the branches to assist you anymore. Therefore, when a situation arises with your mortgage, you will be on the phone being prompted by a computer for 15 minutes before speaking with a real person. When a real person comes on the line you will then be redirected, hung up on, given wrong phone numbers to wrong departments, given an answer just to give an answer instead of the customer service rep saying something like, "I don't know the answer to...

Horrendous customers service. I am anal-retentive about paying on time and they NEVER post the payments. Even though I received a confirmation by e-mail stating that I successfully submitted payment, the payment does not post. Then CCO tries to charge me late fees. Ironically, I paid them on time for my so-called escrow overage too... through online banking, and it didn't post. I have a confirmation number from my bank and even CCO confirmed it went to the correct address. But, hmmmmm, didn't post. CROOKS!!!!!!!!!!!!!!! Can't reach them on the weekend... and their website SUCKS. It constantly locks...

Refi related: Here in NH, I locked in a 15 yr. refi the last day of Dec. '08 and closed in Mar. '09. During this period, it seemed the NH office that we were dealing with was woefully understaffed, which made responsiveness an issue. However, balance that piece with us obtaining a 15 yr. refi rate of 4.375%. Thus, I usually had no issue with having to make more calls than I was used to doing, in order to make sure things were tracking well. I did have to push to ensure that I locked at the above mentioned rate; again, one individual was being besieged with handling refis, and CCO had not yet gotten...

Inept and rude: these two words best describe the CCO Mortgage experience. They twice failed to submit the necessary yearly homeowners insurance payment which comes out of my mortgage, despite the fact that I called them repeatedly to remind them and ensure they had the correct address (they had the address, they just chose to send the payment to the wrong one). Their latest snafu was to withdraw a mortgage payment twice over the course of two days; the second withdrawal caused the account to be overdrawn. When I contacted them to fix the problem because they continued to attempt withdrawal of...

I have been attempting to work out a modification on my current CCO Mortgage due to a divorce and now have a single income.  I would be able to afford lower payments if they would switch the loan back to a 30 year instead of the 15 we had as a couple.  They did not approve me for a modification; but threatened to foreclose unless I signed a re-payment plan.  I have been struggling with the higher payments for 5 months and called to work out another re-payment plan and was told I could not qualify for a modification while on this repayment plan.  So if I stop the repayment plan...then I will...

How about this story - I don't see what my mistake is.  We have had a mortgage with CCO since 2003.  Had our payments and extra deducted every month.  No problem until the very end - their collections office has called us 3 times and sent us one letter claiming that we have a late payment and they will report us/have reported us to the credit bureaus. Why?  Because our final payoff amount was last month and was less than our regular payment amount.  They did not deduct it from our Charter One checking account as they have since 2003.  They did not send us a letter telling us to make the final...

I reciever an automated call Fromm CCO Mortgage stating I had not made my monthly payment. When connected with a customer service rep, I told her I had attempted to make my online payment on Friday, however the system stated it was down and I should try again later. I logged in on Saturday and made the payment, which was actually the due date. I printed out the verification. The rep proceeded to tell me they had no record of my being online either day, inferring that I was lying. I faxed the verifcation to them and they stated it wasen't a conformation. Still it was proof that I was online on...

We finally scraped enough to pay off our mortgage.   I called for instructions, they gave me the payoff amount and wiring instructions, so I wired the funds.   They wouldn't apply the funds to my account for over a week, and refused to send a deed release untill I paid extra interest plus a document processing fee which is not in the loan terms.  

I made several phone calls to resolve the extra interest payment they wanted, and here is the really strange part, each person would give me a different figure on what they wanted me to pay, to finalize.    Most of the figures were around 1.5...

I have had three mortgages with cco and love them. I don't understand why people in here get mad at a bank and want them to take a loss because the buyer made a bad investment. I think the common thing her is people get mad when they don't get a loan from a lender or bit off more then they could handdle. When it comes to having an escrow account taxes go up! Let's face it I think you should be mad at the peole who raises your taxes not the bank! Makes no sense! You gave the bank what yor taxes were when you set up your loan. I think there is nothing worng with CCO and would use them again. People...

After being on time for every payment, even a year after unemployment (tier 1 auto engineer) I get the run around each time I call them about a modification.  My neighborhood has the highest rate of default and repossession in SE Michigan and you would think they'd be happy to work with me on payment arrangements...Instead I've been given different information each time I call and getting nowhere.

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. ...

i have all my accounts checking. saving. retirement .and mortgage with citizens and was very happy with the service had a loan with citizens bank for past 7 years never had any problems,never late on my payments, refinanced with cco to get better rate, poor customer service they hang up on you after you hold for 20 minutes keep calling loan officer never answers your call,call loan processor she never calls you back,and when you get a hold of them no apology , inept,inefficient ,wrong numbers on loan uptil the day of closing, after agreeing on closing amounts i got a call 1 hour prior to closing...