QUICKEN LOANS QUICKEN LOANS NO LOAN AND THAT $500.00 - VIOLATION OF "TIL" AND "REG Z" - NEED "CFPB" TO SHUT EM DOWN Internet, Michigan

Applied in August 2012 took my $500.00 to find out my property was underwater.  Duh, the whole country is underwater.

And now comes the HARP program.  GREAT - there's help now ?

Go back to Quicken for a HARP Loan - no problem - no appraisal needed in the program.

With a 830 credit score - yes that's right 830 score.

Here comes the next $500.00 (appraisal and credit report fee - sometimes they have called it the underwriting fee) - what's to underwrite - you provide them all of the documentation, fax, copy, you end up shelling out over $45.00 in getting their job done.

"Congrats Your approved" - well who wouldn't be - with a credit score of 830, no debts, (just to ref a loan with underwater value) - remember I knew that back the first time I paid for an appraisal in August.  What I failed to mention is closing date is set, preliminary doc's are sent, and that $ 500.00 (appraisal fee, credit report fee, underwriting fee) well in the HUD 1, that $500.00 is being collected 2 more times, the HUD 1 doesn't lie - just all the people (8) who can't answer why the fee is not credited back, but then charged again, on page 2 of the HUD 1 Settlement Statement, and again as cash required to close.

I did fail to mention, I have 30 years in the industry, I attempted to help my proud 83 year old mom, who's social security, pension,(income) do not go up, but her expenses do, and just 3 years ago had more equity than she could have ever dreamed of - she has owned this property for 19 years.

I'm sorry Mom - I tried, they cheated (us) their way all the way to the top?

EVERYONE - Now is the time - file your formal complaint with CFPB - Consumer Financial Protection Board - I'm looking for a Law Firm to file a class action suite - hope you can join.

Quicken Loans - do the FED's know about this practice ?