American Express put contact information in their billing. Presumption was that American Express would not recommend a company that was not reputable.
Application made by phone for consolidation of first and second mortgage into one first mortgage. My understanding was that if I refused the loan I would pay all fees associated with the application. If the loan was not offered I would only pay appraisal fee of $250. Closing costs for completed load was $720.00.
Loan was declined by mortgage company in September. They charged my credit card $720 in September which I disputed. Many phone calls to morgage company not returned. American Express contacted mortgage company who sent letter saying I owed $250.
American Express sends December bill with the $720 charge reinstated. I leave messages author of letter provided to American Express: Rachel Smith, Feedback Management Team, Office of the President; as well as Matthew Mcmullin loan councilor. On January 7th I get through to Rachel Smith who conferences Matthew Mcmullin and I am told that I will be reimbursed everything over $425. Yes indeed check will be sent in next mail.
Now is January 22nd, no check, no posting to credit card. Successfully reached Matthew Mcmullin today who says that something has gone wrong with how request was filed and he is making a new request for refund by check of everything over $425.
This is not an actual mortgage company turns out to be a telemarketing business.
Mary
Aloha, Oregon
U.S.A.