PacificBanc Totally useless, waste of time and money, total incompetent Costa Mesa California

PacificBanc of 575 Anton Blvd, Suite 1100, Costa Mesa, CA 92626 in late 2011, spoke to Josehh Shalaby, Tony h*o and others.  They promised fast closing, low interest rate or basically everything that you wanted to hear ro do a refinance.  I submit all the paper work.  Near the end, I paid $450 for the appraisal report to close the deal.  After the appraisal, nothing, NADA, zilch.  I did not even see the result of the appraisal so I could go to another lender.  Days goes by, weeks goes by, months goes by, over one year now.  Sometimes after my many repeat phone calls or email, I get a reply. such as Investors did not approve the loan amount, will try to lower the loan amount.  Or attorney will review this and send you a refund.  Again, all lip service.  This was a total waste of time and money by a bunch of incompetent people and not fit for this line of business.