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. Company refunds fee. Company provides cancelled check from August payment, and reissues new check for November payment. Company acknowledges mistake prior to contact by Office, and explains situation to borrower.