JPMorgan Chase Mortgage Complaint

JPMorgan Chase Mortgage department,

Conventional fixed mortgage Application, originator, mortgage broker Texas

I applied for a mortgage with Chase. I was asked to pay $470.00 to lock in a rate on - -. I was told this fee would be refunded if Chase did not approve my mortgage at the rate agreed. Days before closing Chase informed me it would charge points for the agreed term. It was also clear that I was not approved and their ability to close on time was not assured. I went with another lender and asked for my money back and they have refused. - - misrepresented the fee and that it was refundable if I was not approved. By charging points and delaying processing, potentially making me miss my closing as I was driving across the - caused great stress and I felt coerced, mislead, lied to and was dealt with fraudulently when they emailed and said I could get the fee back. They have manipulated their interpretation. I am enclosing emails from - and I have kept the original emails