Amerisave company is very poor in customer care. I wanted to get my loan refianced, I communicated with their staff for 30 straight days without any phone calls despite me asking and leaving messages to return my call back. Amerisave lied to me and made a false promise to adjust my locked in rates for refinance loan. Amerisave charged me $8 dollars plus $375 dollars on my credit card for their processing of my loan application. Their original quoted rates differ from the what they were asking me to sign. They forced me to roll in the closing cost of 10,000 dollars into loan amount despite i told them many times not to do that. As per Annette's directions, I arranged for 10,000 dollars from my bank and got the funds ready for them. On Aug 29, after I had been asking for status constantly, they informed me the underwriting will not accept the funds. They forced me to take a loan from 401K or personal gifts. Amerisave VP of sales Joseph Watts has very poor way of addressing consumer concerns. If fact he blamed me that I am not interested in loan refinance cuz I remorse that the adjustments to my rates were not made. Now with no fault of mine they are asking me to pay $500 for doing nothing for me. Instead I get a disappointing , unsatisfactory service. I have faxed them every single document and every single details of my whole life in order to get my loan go through and working with them for exactly past 30 days now. They asked me to provide closing cost funds, which I did upon their request and followed their steps to get the money arranged. Now they have trouble in accepting the funds. I did not ask them to cancel my loan. They refused to accept 10,000 dollars that I got arranged from my bank for closing cost, and forced me to roll over the this money into loan amount which I do not want to do. I have spent a lot of time dealing with them also I consider them responsible for $375 Plus $8 dollars fees that I have paid to them for the loan process. After i fulfilled all of their conditions and arranged money for closing cost, they declined my loan application and threaten me that I should be paying them $500 for cancellation. They cancelled my loan by themselves I did not ask them to cancel it. I am seeking justice. I am seeking justice. I want Amerisave to apologies to me for a bad treatment that I received. I would want Amerisave to process my loan refinance that I have spent a month worth of time and money on it, and get it approved. I am ready to pay them closing costs by check/cash. I am feeling like I have been robbed off $382 dollars in the name of processing my application and has been denied with no fault of mine and I received very bad unsatisfactory and disrespectful treatment from the staff.