Ditech.com Complaint - Charges above what we were quoted for closing costs
COLORADO SPRINGS, COLORADO -- I phoned Ditech on 20 March, 2008 and wanted to refinance our home loan and roll in our line of credit. I spoke with Teresa Sala and she was very considerate. I asked her what my payment would be and also what the total closing costs would come to. She quoted me $9,000 for closing costs. She told me that the refinancing with the closing costs would come to 282,000 and that she would make the loan for 285,000 and I would get back 3,000 at the closing table. I agreed that was fine. Well, I received the paperwork the next afternoon and it showed nearly 12,000 in closing costs. Ditech had their fee added in and I was never told. I wouldn't be getting anything back at the closing table. We called Teresa immediately to question this and asked why we were never told. She apologized and said she would have to take this to her supervisor. she then told us that she would not be on on Friday, but would call us on Saturday with a resolution. She didn't call, we had to hunt her down.
Then she told us that she didn't have an answer and that she would get back to us on Monday, the 24th of March. She didn't. I kept sending e-mails and leaving voice mails to get this resolved because Ditech had their appraiser coming out on Tuesday morning. The loan has now shifted to [snip] who also assured me that I would receive a phone call today from her supervisor, Jackie about the problem I never got the phone call. I received a phone call from Ditech last Friday from some guy that wanted to apologize to me for my misunderstanding. I don't think so, I explained that we were never told about Ditech's $2181.00 fee. He said he would have to escalate it to his supervisor, and he would be in touch. Guess what, they never called back. Way to lose a customer. Hey if they don't want to make the $300,000 in interest over the life of the loan, their loss. I am so disgusted with all of this. I have e-mail after e-mail and read receipts from Ditech. I know they got my messages, they just chose not to answer.
Be very cautious if you plan on doing business with Ditech/GMAC. They are very underhanded.