Consumer complaint received 2018-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SYNERGY ONE LENDING, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I commenced a pre-qualification process with synergy one Lending ( XXXX XXXX ) because I was advised that I needed to cross qualify with the home builders preferred lender. Though I previously secured a lender, the builder offered a monetary incentive of $ XXXX to use their lender. On XX/XX/XXXX I received a loan estimate worksheet stating $ XXXX to close. On XX/XX/XXXX I received a loan estimate reflecting $ XXXX to close. I declined the offer as it was not competitive. On XX/XX/XXXX I advised that I was not interested in using synergys services. XXXX XXXX ( Sales Manager ) emailed me on XX/XX/XXXX asking me to provide her with the estimate from my lender and that she would work out the lender costs so that I could retain the $ XXXX builder credit. Subsequent emails ( available for review ) from XXXX XXXX ( Loan Officer ) and XXXX XXXX ( Loan Officer Assistant ) offered $ XXXX in builder credit and $ XXXX in lender credit. I agreed to these terms and the Los estimate reflected these terms. However, at the time that I prepared to move forward with Synergys Loan, I was told that the credits offered were applied in error and that a new loan estimate  would be sent to me. At this point I received my 3rd loan estimate which reflected only a $ XXXX builder credit, the lender credit was removed. I contacted the VP of Sales for the builder ( XXXX XXXX ) by the name of XXXX to file a complaint. I was advised that I would receive her loan estimate ( 4th estimate ) with the correct amounts. On Saturday I bet with XXXX to provide him with requested documents to process the loan af which time I was advised that I would receive a new estimate which would supersede all previous estimates. Upon receiving the estimate, the cash to closed increased by $ XXXX and the $ XXXX credit was removed and no lender credits remained. This bait and switch tactic was predatory and I advised XXXX XXXX that I was aware of what was transpiring. After I sent emails showing proof of the offers both to XXXX and XXXX, XXXX failed to respond and XXXX provided no explanation as to why these offers were made to me or why they were offered dishonestly and in bad faith. Quite frankly this process attempted to distract me as the consumer from the games with the loan being offered. Another issue is that, synergy proceeded with underwriting my file and processing although I never agreed to process my loan with synergy. I was simply trying to obtain the pricing info. Synergy proceeded with processing the loan with my authorization. I am within one week of closing on my home and had I stopped the process with my current lender I would have been forced to work with Synergy just so that I wouldnt incur charges for dejayung close if sale. There are several online reviews to this effect for XXXX XXXX and the predatory practices that plague consumer experiences with their company. I am requesting a follow up call to investigate this matter.

Company response to consumer: Closed with explanation