The Office of Consumer Assistance lacks punitive powers, thus relies on persuasion to resolve valid complaints, Curry says. Company provides account history proving accuracy. Consumer wishes to pay extra into escrow account and company agrees to discuss extra payment with limitation. Fleet returns application fee after inquiry from Office. Company refunds application fee.
Company responds that charge is necessary for adequate escrow buffer.
Plymouth informs consumer fee is not refundable. Abacus denies all claims. Assurance claims new appraisal was used by refi. Denied due to comparable values in neighborhood. Company produces documents showing good faith estimate signed by consumer, and that a rate lock was agreed upon.