CrossCountry Mortgage レビュー 

Worst customer service I have ever experienced! You can't speak to a person over the phone or over live chat. Beyond frustrated!!! Horrible!

My experience with CrossCountry Mortgage, LLC has been nothing short of a nightmare. Since June 2024, I’ve received over 47 unsolicited calls and even text messages from them, despite my phone number being on the Do Not Call Registry since 2011. These contacts were intended for an unrelated individual, and despite repeated verbal and certified written requests to stop, the harassment continued. CrossCountry Mortgage’s refusal to honor these requests clearly violates the Telephone Consumer Protection Act (TCPA) and also infringes on my privacy rights under the Gramm-Leach-Bliley Act (GLBA).

The calls have come from various states and numbers, often with “dead air” pauses upon answering—classic signs of autodialer use. Shockingly, CrossCountry even disclosed personal details of the intended recipient, who is a stranger to me, without any authorization. They’ve also potentially recorded me without my consent, despite being in a two-party consent state, which adds another serious legal concern.

After months of attempting to resolve this directly, I had no choice but to file complaints with multiple regulatory agencies due to their dismissive responses and continued misconduct. They failed to connect me with their legal team, instead providing generic replies that ignore the documented severity of my situation. Additionally, my research has uncovered hundreds of similar complaints and lawsuits filed against CrossCountry Mortgage. I urge anyone considering doing business with them to think twice—this is a company that not only disregards customer privacy but also subjects individuals to distressing harassment.

If you’re dealing with a similar issue, document every interaction carefully and be prepared to escalate. In my experience, this company’s practices are negligent at best and unlawful at worst. My intention to seek legal action may lead to a class-action lawsuit, as it appears that CrossCountry Mortgage has a systemic issue with compliance and respect for consumer rights.

CrossCountry Mortgage broke Washington State law in transferring/selling my loan.

My loan was sold to Chase, but CrossCountry never removed the loan from their servicing department. The result was having two banks stating that I both owe them monthly mortgage payments. Customer service was zero help.

After impact to my credit score, 100+ hours on the phone and performing research, I had to reach out directly to the US and Washington state regulatory agencies to get it fixed.

We purchased a home in April 2023 and used Cross-Country Mortgage for our lender which was a huge mistake on part, and I will explain why that is. Prior to closing on our house, we obtained our own Homeowners Insurance Policy through our insurance carrier which Cross-Country Mortgage had approved. We also had to pay for the first-year premium for our insurance which we paid along with several other fees that Cross-Country had rolled into our purchase agreement. Cross-Country was to hold that premium amount and pay our insurance when it was time to renew it in April 2024. Our monthly mortgage payment also included insurance and taxes that were supposed to be paid by Cross-Country as well each year. When April 2024 rolled around our insurance premium was supposed to be paid from our Escrow Account only that is not what Cross-Country did and we had already paid the money for our insurance at our closing and our insurance coverage was canceled which we had no idea that this situation had even taken place until our insurance company notified us about the cancelation. I immediately began trying to get ahold of somebody at Cross-Country Mortgage because this situation needed to be dealt with immediately and I had no luck, and I called the customer service number at least 50 times and no one ever answered. I then resorted to drafting letters and mailing them to Cross-Country in April, May and June and still no one from Cross-Country had contacted us. Then Cross-Country resorted to putting "Forced Insurance Coverage" on our property and took $2585.00 out of our Escrow Account to pay for it and now we won't have enough in that account to pay our taxes for this year. Cross-Country Mortgage has really screwed us over and no one from that company will respond back to us and believe me I have tried and tried to get a response. In addition, all the fee's they are charging are much higher than most other lenders out there as well. I would not even have this lender finance a doghouse for us in the future or anything else. Thank the lord that we are refinancing through another lender just to get away from Cross-Country Mortgage. I would never recommend this lender not even to my worst enemy!

Worst service, uploaded all my sensitive information and Faheem never got back to me. Promised to do so and never came through. Will not be dealing with this business. So many more that are willing to respond.

Buyer used Brett Wilmer at Cross Country Mortgage
Horrible experience. We were the sellers, so we did not have any control over the selection of the lender, but Brett and his team cause a great amount of additional work and finances on our end. The closing was delayed 7 weeks, due to incompetence. The biggest issue was that all notifications were made at the last minute. We had completed all last-minute details to sell the home and were to close the next morning at 9am. We received a call at 7pm the night before that we could not close due to a FHA guideline related to the buyers. We had utilities ready to be transitioned, insurance ready to cancel etc. The closing was delayed 6 weeks and we signed out paperwork at 10am then got a call at 5pm that the buyers could not close because the lender had not given them a 72 hour notice related to the appraisal. Again, a last-minute notification. This delayed the closing another 5 days, which changed some of the purchase amounts, etc. As the seller he could no offer us anything directly but did give small compensation for the inconvenience, it did not cover our expenses or time. I do not recommend the lender.

I was traumatized and had to live in a hotel because of this mortgage company. Do not do business with them. They are not what they appear.

Went great for 4 years then company switched hands. New company charges late fees that don't exist. Even when you email them account transactions showing payment was made before due date. If shopping for mortgage or refinance, go anywhere else. This is a corrupt, dishonest company

Wooster, OH
Cross Country Mortgage (Wooster): My loan officer, Crystal, out of the North Market St, Wooster, OH, Office is the absolute best! She worked tirelessly, providing me several different options so that I may choose the best option for me and my family. Crystal is friendly, smart, and explained everything in detail and clearly, so that I could understand everything that was taking place each step of the way. She made me feel like I was her only client and her number one priority every single day. In moments I felt stressed about the home-buying process, her friendly and kind disposition calmed my nerves and helped me stay positive through things that were unrelated to the mortgage, but were part of the home-buying process. She always gave the best advice and I will be using her for all of my mortgage and refinance needs for the rest of my life! As well as my family and friends! Thank you, Crystal!

In processing my FHA loan application, I received a call from the loan officer. He said he was writing my pre-approval letter and it would arrive in email in a few minutes. It never came. My realtor emailed him and asked for a copy. He didn't respond. I called the HQ in Ohio, they switched me to another agent. The new agent contacted me and within a few hours, demanded that I take action that violates numerous federal rights. She ordered me to remove disputes on non-derogatory accounts that are nearly 6 years old. I informed her of my rights and knowledge of FHA mortgage guidelines which do not require an applicant to remove disputes from non-derogatory accounts over 24 months old. She did not respond. On this email, the agent copied my realtor and nine others from various companies with my private credit report information by attaching numerous screenshots of the report details. I emailed Customer Service and asked for underwriting to issue a Mortgagee Letter required under FHA guidelines to enable the applicant to provide documents, evidence, and affidavits. No response yet. It is best to avoid this company and go with another. So far for me, there has been nothing but headaches, embarrassment, humiliation, unlawful demands, and deliberate deception at this early stage of the game.

It is nearly impossible to reach a live person by phone. Since my insurances had gone up I decided to pay my own insurances to keep my mortgage payment low. I called CCM and they agreed that they would no longer pay insurance through escrow. After paying for my insurance through my carrier, CCM paid them again. On the same day I received a refund from Farmer’s Insurance I got a letter from CCM saying they didn’t have proof of insurance and were going to go out and purchase a policy and charge me for it - this is after they already paid it and I already paid it. These folks are terrible to work with. If they don’t like what you have to say when you do get through to them they wil hang up on you. ABSOLUTE WORSE CUSTOMER
SERVICE I have ever seen.

In the beginning, CCM was all good, until they sold my loan and that is where the problems begin. The most unprofessional, and inept. I've made multiple complaints regarding them not updating my escrow & insurance information. So much so that I had to seek outside interference for assistance. Don't do business with this company if you can avoid it.

**Customer Experience with Michael Raimi and Cross Country Mortgage, LLC**

 I had an extremely disappointing experience with Michael Raimi and Cross Country Mortgage, LLC. When I sought a loan for the building my restaurant is in, Michael repeatedly assured me he was handling it. Over five different occasions, he promised to get back to me, but he never did. Ultimately, I discovered that he had not taken any action on my loan application at all. I strongly advise avoiding Michael Raimi and Cross Country Mortgage, LLC for any lending needs.

If I could give no stars, I would. This company is not out to help you, but to make their own gain. I spoke to Matt Freeman, Vice president. I found him to be very dishonest. Once he got my social security number, his words were no longer valid. He promised to call back, I never even heard from him again. This is lack of integrity and unprofessional. Don't even bother with this company

Some guy the name of Chad Smith assured me that he could help me with a loan. And if I gave him my SS# he would run a soft credit report that wouldn't affect my score and would call me right back. A week later my score took a 30pt hit and I am still waiting for a call. I also called and left message for Chuck his main supervisor then called back following Monday for the big boss James Burger and it's been almost a week and guess what????? No Call!!!!!!!!!!! This company is a JOKE!!!!!!!!!!!!!! DO NOT TALK TO THEM!!!!!!!!!!!!

They aren’t the worst. They transfer your loans a lot which is confusing sometimes. I would give a higher rating because their customer service is pretty decent if you can reach a live agent. Their robo-options makes it really hard to do though and is pretty obviously trying to keep you from accessing a live agent, it's almost impossible. They called me one time and I missed the call, returning that call was like 20 minutes of arguing with a robot before being hung up on. Still don't know what the call was about.

There have been several issues with this company and I have only had them for about 2 years. First they kept sending the mortgage bill to the tenants, who would keep sending it back. We checked the box for change of address several times to no avail. One rep told us that that box does nothing and told us we need to fill out a form and fax it. Still did not get fixed. Finally after speaking to a supervisor and threatening to take legal action it got resolved. The 2nd issue they were sending wrong amounts to the local taxing authority and double paying bills. The local tax collector said it is a nightmare dealing with these people. I had the escrow canceled and have been paying the taxes and insurance for a year now. The 3rd issue, Feb 2024 my loan was sold from Cross country mortgage to cross Country LLC. When I sent in the Feb Payment with the slip clearly marked with extra principal, they took the money marked for extra principal, opened an escrow accont and told me I was behind in escow and the payment will go up by 323 dollars a month. The 4th issue is I have asked for a payoff amount via email and was charged 25 dollars for it. No such email arrived. We also tried my wife's email, again to no avail. Good luck trying to get in touch with a real person. This company is a total sham and rip-off. I will tell anyone to run from them.

After many attempts still cannot get a live person...only prompts after prompts...this is after their NEW servicer CrossCountry Mortgage, LLC

Man do I wish I looked into this companies reviews before going through their loan process...

Some context this was the second lender in our application process. This was for a Co-op location. The Co-op was not setup in the normal way and this lead to our first lender pulling out.

So as others have said it all started off well and friendly. But then once my application was complete it was a pain to get consistent information out of them. There was a partial hiccup due to our processor having to be changed, due to understandable circumstances. But, it took weeks to get another processor assigned. Making us extend closing.

After that was cleared we were instructed to pay for an appraisal. Even though we later had issues with how the contract was structured. So why would they not bring that up first before having us pay for an appraisal that was not cheap.

Furthermore we thought they were still doing underwriting, which was later communicated to us that they in fact were not. Leading to us eventually just asking for a denial of credit.

Anyway I'm very much a person who wants to understand what I'm getting into and what lead me to what made me want to make this review. I was reaching out for clarification on some items and was basically questioned why am I doing this and not my agent. Which really annoyed me as I'm the buyer here not my Agent.

The only good thing about this company is that their application process is easy. Everything else was a headache and a waste of time and money.

A few months ago, I signed up for auto-pay to reduce the stress of remembering to make and on-time payment.
They took the payment on the 30th of the month, rather than on the 1st as per the agreement, causing my account to be overdrawn since I had not yet made a transfer. I had to go through my bank to stop payment.

THIS month, I made a payment online and never received confirmation - through email or by going back into the online system to see pending payments. Thinking I had made an error and didn't finalize the payment, I made the monthly payment. Turns out - that first payment DID in fact post and was delayed on their end. When I contacted the company for a refund of the double payment, they advised me to yet again, call my bank to stop the payment.

Disappointed in this company and their lack of customer service to any level. Wouldn't recommend them for anything.