ING Direct fraudulently undervalued the appraisal value of my home in an attempt to void the promised agreed upon interest rate and charge a higher rate, and requiring a HELOC of approx 10%. I requested a copy of the appraisal report or the company name responsible for the report but was refused. After "badgering" the sales rep they finally admitted the "no one" had actually seen my home. I told the rep "no thanks". I am concerned that this is a "normal" ING Direct practice which costs consumer millions per year in interest rates. I've since reported ING Direct to the Federal Trade Commission and the Better Business Bureau. "Class action law-suit anyone!"
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