The response property of the CZT detector ($5{ imes}5{ imes}5;mm^3$), widely used in photon spectroscopy, was evaluated by considering the charge collection efficiency, which depends on the interaction position of incident radiation, A quantitative analysis of the energy spectra obtained from the CZT detector was also performed to investigate the tail effect at the low energy side of the full energy peak. The collection efficiency of electrons and holes to the two electrodes (i.e., cathode and anode) was calculated from the Hecht equation, and radiation transport analysis was performed by two Monte Carlo codes, Geant4 and MCNPX. The radiation source was assumed to be 59.5 keV gamma rays emitted from a $^{241}Am$ source into the cathode surface of this detector, and the detector was assumed to be biased to 500 V between the two electrodes. Through the comparison of the results between the Geant4 calculation considering the charge collection efficiency and the ideal case from MCNPX, an pronounced difference of 4 keV was found in the full energy peak position. The tail effect at the low energy side of the full energy peak was confirmed to be caused by the collection efficiency of electrons and holes. In more detail, it was shown that the tail height caused by the charge collection efficiency went up to 1000 times the pulse height in the same energy bin at the calculation without considering the charge collection efficiency. It is, therefore, apparent that research considering the charge collection efficiency is necessary in order to properly analyze the characteristics of CZT detectors.