Complaint Review: Charter One Mortgage

At the time my mortgage loan was initiated, I DID NOT request for a home equity loan to be given to me. Yet, I discovered that I was given one anyway. Ric Meile at the Freehold Executive center is my loan officer.

I have spoken to Mr. Meile, about this matter, asking him to close or cancel this loan; he assured me that I would not be subject to the associated fees, regarding this loan.

Not only hasnt this loan been cancelled, after a period of one year, Im now getting a bill in the amount of 125.00 for a Fee Assessment

Clearly this loan was brought upon me without my content.
Ive expressed this to Mr. Miele and the customer service department, on more then one occasion.
I have been a model customer, paying all my dues/bills on time, never being late once, throughout last year.
Clearly, this is the way the company does business, where customers get services, for which they have not asked for and later find that theyre liable for the associated fees.
This is Improper Selling Practices.

At this time I had cancelled the loan and paid the sum in the amount of 125.00 for the assessment fee, which was charged for not using the loan.

Mr. Miele has promised me to send me the check in for 125.00 as to reimburse me for this fee.
This had not happened.
I have left more then 4 messages on Mr. Miele answering machine but he never returned them.

I had filed a BBB claim/report which this company never responded to (please check BBB for this company listing)

Yury
Old Bridge, New Jersey
U.S.A.