Late last year, I was contacted by Joe Traskos, of Quicken Loan, with an offer to arrange a refinance of my mortgage, which I have with Countrywide Mortgage Company, at a lower fixed rate. My current rate is 6.7% and the offer was for around 5.7%.
I was required to pay a fee of $500 to lock in the rate. The $500 was deducted from my Visa account by Quicken Loan after I provided my Visa account number and agreed to the fee.
After three appraisers were sent to my home over several weeks, two of which actually took appraisals, I began hearing less and less from Quicken. After several months I E-mailed Traskos and complained of the lack of communication. Traskos passed me on to a superior named Eric King who he said was a master at arranging refincing.
King then passed me on to other persons named Brad Rogers and Julie Serofiniosvshi with negative results. I then received a letter in the mail from Traskos saying Quicken would "not be able to facilitate refinancing for me" and that they, "hoped they could be of service to me in the future."
I then E-mailed Traskos and King several times demanding a refund of my $500. After no response from either, I suggested by E-mail that I would be contacting Washington State Attorney General and Better Business Bureau. King E-mailed back and told me he would be turning my request over to Quickens public relations department.
After several months, I have heard from no one and my Visa account has NOT been reimbursed. I sent another E-mail recenlty and have had no reply.
I have contacted Countrywide Mortgage who told me in cases like mine it was the Countrywide's policy to refund the deposit if they were unable to complete the porcess offered. Joe Traskos and Quicken Loan contacted me with the offer to refinance my mortage, I did not contact or call them. I feel they should refund my $500 since they were unable to fulfill their part of the offer.
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