Consumer complaint received 2016-05-25
Company: Integrity Home Mortgage and Finance, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Im XXXX and my XXXX is broken but I still would like to tell you my story and find out if you can help me or at least re direct me. 
The loan officer I had was XXXX XXXX and I hired XXXX XXXX to help me get a loan for a house you know it takes time, so when I found a house and applied for it, an appraisal needed to be done and I asked XXXX XXXX if it could be charged to the closing cost and he said No this is not possible Because the appraisal has to be paid right await and could not wait until the closing day, I think he is correct so I paid with my credit card, it took weeks and it required more and more information from me you know as used to but me and my husband were wondered since XXXX XXXX never tell me anything, Im mean nothing, so to get information we will ask XXXX XXXX a realtor that helped me to find the house I was applying for. XXXX did mentioned something in regards XXXX XXXX had issues with his License or the broker, Im not sure because I do n't know much about that, anyways I just keep waiting and waiting, finally the closing was XXXX, this closing letter showed that I was charge once again for an appraisal {$500.00} dollars, I though it was a mistake and or maybe one more of those charges that Im not aware, well let me tell you what happen when we where at he meeting for the closing XXXX XXXX was there and he said something about in his work place the broker had a fight or argument with the lender and the broker left and they had to start my process again. 

XXXX XXXX never notified me nothing! Never ever ask my consent for another appraissal! Never mentioned no problems like this one, I had the right to know, I had the right to decide and if the broker or whoever left why I have to pay twice the appraisal, XXXX XXXX betrayed me and he did all this behind my knowledge, he lied to me saying the underwriter is taking to long and in the mean time he was doing this with out my consent and not only that but he did charged again to the closing cost and in the past he mentioned this was not possible, this men violated my trust why because he thinks Im stupid enough and I was not going to noted on the closing cost. 

Yes the sale is closed now because XXXX XXXX took responsability and said he was going to pay me the money back ( {$500.00} ), I told him he was not responsible and will not take the money from him, XXXX XXXX has no shame and denied all responsability, he did n't even apologized for doing all the appraissal behind my back and not did NOT ask my consent! And I was unaware of all his moves. 
The closing date of the house was XXXX I could not refuse the close because I would loos my down payment and the appraissal fee {$1000.00} that was already charged {$700.00} so clsing was done but there at the office of XXXX XXXX company XXXX XXXX officer and XXXX XXXX had witness when at he same day I found out that the appraisal was charged to me twice with out my knowledge and I was crying because I felt betrayed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation