Review changed to three stars: The bank responded to my last email and listened to my story (posted below). They took full responsibility for the communication and process failures and will be reimbursing me for all fees and interest accrued. I am very pleased with their response and taking ownership of the situation. However, three stars is max because there were problems that need to be fixed. The outcome gives me a more favorable view of the bank but the proof of change will come in the future when no other customer has to deal with a similar situation. Until then, 3 stars is my final rating. Anyone using Capital Community Bank for a Solar loan should be VERY careful. I would recommend finding financing elsewhere. I took such a loan where the payments began 1 year later. The bank never emailed me or sent a letter regarding how much payments would be and how to arrange payments. When I realized the loan payments probably needed to start, and I had received nothing, I had to track down contact information for the bank. By that time, my first payment was already one month late so there were late fees and interest added (I had the ability and the plan to pay off the entire loan when I received notification of date due so I should have had zero cost). I wonder how long they would have let the account build penalties before they decided to reach out. Next, I had my bank wire the entire payment to CC bank. I called CC bank about 1 week later to be told the money had not been applied to the loan (it took them awhile to track down that the money had been sent- despite me having the necessary information). when I asked why the delay, they said it take 7 business days for checks to clear. the problem- it was a wire transfer, not a check! I have sent a formal complain and have not heard anything back from them. Nothing, nada, nil. What makes this worse is that my son had the same thing happen to him so I am not an isolated incident. I have asked Sigora Solar to find another lender or at the very least warn people who decided to take a solar loan with CC bank that they need to be very proactive about their account and know exactly when payments are due and how to pay. My advice- find a loan somewhere else. Heck, I wouldn't even do my general banking with an institution that has these types of business practices. I have no idea if there was purpose behind all of this or incompetence- but in either case, look elsewhere. If you are military or a dependent, USAA bank is my choice. read more

Horrible bank. Ridiculously high interest rates. Avoid at all costs. Horrible bank and customer "service" and use that term loosely.

I received a notice that my loan payments would start even though the project had not begun. When the workers showed on the first day, I received this notice:Rees: PAID IN FULL - 6.60kWp Solar Energy System Installation The email said my loan was paid in full and since I hadn't made any payments, I contacted the company to set the record straight. After several phone calls, every rep ignored my insistence that I owed money and needed to make payment. I went around them and started paying blindly through my bank sine my account balance was zero according to CC Bank. Then a few months ago I received a bill for twice the projected payment amount because I hadn't paid the loan off in time. These people are liars and thieves. I will continue to report them and I am in the process of taking them to court over this. read more

1 star is way too high of a rating for CC Bank. I got a solar loan from CC Bank through Auric Solar (Auric has been great!) and from the get go it was a nightmare. They took way too long to process anything. I'm trying to refinance my house and because CC Bank has a lien on the home they need to sign off on staying in second position. Our loan officer/processor contacted them about information and they didn't respond and got me involved. I called several times asking and then started to look at their BBB rating and decided we'd just pay off the loan. I asked for a payoff statement and they said it would be 2-3 business days. I finally got some traction and they said I would be getting it 8 days later. read more

This is the worse Bank I have ever used billing is the worse they have no idea about anything 14 months it took to get a statement and I had to call to demand one unbelievable then I GET one 1 st statement and there charging me 15.00 late fee when in fact I have paid this bill 2 to 3 weeks early every single month called them and its amazing they are complete morons I writing to corporate to see if I can get this resolved and If I don't im going to sue them beware don't use them read more

Like banking here much more than one of the big national banks. The service is personal, they remeber your name and are willing to go the extra mile. read more

I have never had a more horrible experience with a company in my life. The loan origination department was nice to work with, but the billing department has been an absolute nightmare. They made a mistake and clearly it has been my responsibility to remedy the situation since. I've been working on it for 4 months and don't seem to be any closer to a resolution than when I started! I have called multiple times and gotten the "run around" each time but never a sense of urgency that I am a valued customer or that they will do everything in their power to remedy the situation. Each issue I addressed received the same response, "Well, that takes one or two billing cycles, Ma'am." On one particular instance, I was on the phone with a customer service rep for quite some time when I finally asked to speak to a supervisor to get some help. He put me on hold for about 10 minutes and came back to tell me that there were none available but he would take my name and number and a supervisor would call me back when they had time. (I suppose I could expect that phone call in one or two billing cycles, as well.) That was my breaking point. I called the solar loan origination department and got more help from them, regarding the billing issues and the mistakes made company-wide regarding the solar clients, than I had ever gotten with the billing department. After I was assured they were working on remedying the situation, I have now received a form email stating that I "may not" have received communication from the company regarding when my grace period on the loan was over. The company is correct, I did not receive communication about my grace period being over because they never sent it, just as I still have not received the first paper statement from them which I have requested every single time I have called since January. As I have spoken with multiple people in this company in an attempt to find a solution, it appears the vast majority of solar customers did not receive any communication and it appears their solution is to send out a "peace offering" of an extension until June 30th. However, I have already met all the qualifying terms in the email, yet my bill is still astronomical because of no communication or follow up on their part. The only consistencies that I have had with this company are their lack of communication and their extreme lack of professional courtesy regarding customer service. If you have another option for a lender, I highly suggest you go with ANY other company! I honestly have no words to describe my disdain regarding my experience with this company. Best of luck to you if you're a customer here!! It's chaos at best! read more

These guys are the best! I took my business elsewhere for a time, for convenience, and could not wait to come back! Very friendly and helpful, they go out of their way to make things happen the right way. read more

I never knew I could like a bank so much! Corny, but true. I switched from Wells Fargo at a friend's recommendation, and I can't believe how happy I am that I switched. They have a slogan that says something about big bank security & small bank service, & it's SO true. It's not unusual for the teller to greet me by name, & they're always so nice, helpful, & knowledgeable. I've seen a teller actually give a customer one of her home-grown tomatoes. I don't ever have mysterious charges show up on my account. It's nice to know my bank isn't going to try to nail me for every fee it can. I feel very safe, comfortable, & really happy banking with them. read more