CCO Mortgage
reviews and complaints

In late 2010, we knew that in about 6 months or so that we would begin to have some issues in paying our mortgage in full, so we called our mortgage company, cco mortgage, and they basically said that we had no options. We found the "making home affordable" program and saw that we qualified for it. We filled out all the paperwork and faxed it in along with all the supporting paperwork. We called and they said they would review it and let us know. A few weeks later, we contacted them because we had not heard anything and they said that they did not receive it. We sent it in again, called and they again said they would let us know. Again, we called after a few weeks and they said that they were missing a page. We sent it in again, called and made sure that they received everything and they said again that they would let us know. A few weeks later we called again because we again had not heard anything and they said we did not qualify and when we asked why we did not qualify, they said "you just don't" and hung up the phone. A couple weeks later when we started to have issues paying we called and asked if we could pay $800/month and they said no. In July of 2012, they filed for foreclosure and we fought them in court. The judge told CCO to work with us and asked us to pay $776/month until they figured out all the numbers and wrote up a new agreement. Once we received the new agreement, we called to ask our single point of contact some questions and had to leave a message. A week later we received a call back and asked them if they could take their lawyers fees off (only around $2000 of the more than $30, 000 that they added on to our principle...that call ended in a screaming match, started by the CCO representative. We later called back to see if that agreement was still an option for us and they said no. They then told the judge that we had declined their offer and asked him to rule in their favor. The judge declined that. Then CCO asked to have the case closed and it was closed this March. The same weekend we found out that the case was closed, CCO sent us a check for almost $2000, but now they say we have to pay them almost $50, 000 in a couple of weeks or face foreclosure again. All we have been asking for, is for them to work with us and they refuse to. I don't think we have been asking for to much...we have been trying to work with them and giving them options for more than 3 and a half years now, but they will not talk to us or offer us any options.