- Report: #789987
Report - Rebuttal - Arbitrate
Complaint Review: Loandepot.com, LLC
Loandepot.com, LLC26642 Towne Centre Drive Foothill Ranch, California United States of America
Loandepot.com, LLC In refinance process,they took $495.00 from my credit card,and cheated me without refinance Foothill Ranch, California
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One of the employee (James Stopani)of Loandepot called me to offer to refinance my home, and he offer 3.375% for 10 years ARM, he told me I need to pay $495.00 to lock this interest rate and appraisal fee and credit report fee. He also told me total finance charge will be $4000.00, I paid $495.00 through credit card, Appraisal is done on 09/12/2011. After few days we got appraisal report , and home value was $220000.00, I had applied for loan $150000.00
(146000.00 Loan Amount and 4000.00 Closing cost)
After one month on 10/01/11, Kim (employee of loandepot.com) called me and said your loan amount is now $156000.00, do you want to sing papers, I told this is cheating, for what $6000.00 extra. In this way they sent me several GFE(Good faith Estimate) in order to cheat me. I requested to refund my money , they did not refund my money , they told if I wanted to refinance I have to pay closing cost $10000.00, otherwise there is no any option and I will not get my money refund. In the beginning when I paid $ 495.00, James Stopani told me if loandepot.com is unable to refinance , I will get money back. But it did not work.
This report was posted on Ripoff Report on 10/17/2011 09:00 PM and is a permanent record located here: http://www.ripoffreport.com/r/Loandepotcom-LLC/Foothill-Ranch-California-92610/Loandepotcom-LLC-In-refinance-processthey-took-49500-from-my-credit-cardand-cheated-789987. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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