When my husband and I were refinancing our home loan, Ditechs agent Craig Campanero told us we needed to give him a credit card number for a rate lock fee of $500. This $500 was supposed to be refunded to us at the close of the loan.
When the loan closed we asked about the refund and they said no it was put towards fees for the loan. We asked why we were not notified and they said it was in the paperwork. All we found in the paperwork is were it states, "the rate lock agreement of $500 will be refunded to you in full upon the closing of the loan" When we asked them about this they said it was but it was put towards unpaid fees. This is of course after we put out $2,200 out of pocket also.
Everyone we contact says there is nothing they can do and when you leave messages for supervisors no one ever calls back.
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