International City Mortgage, Inc. Mortgage Complaint

International City Mortgage, Inc. Mortgage department,

FHA mortgage Settlement process and costs California

On - -, 2015 at the signing of loan docs, I was given a final closing disclosure to sign by International City Mortgage which indicated the total cash at closing for my total down payment would be $13000.00 ( which included my - initial down payment, a $4000.00 gift from my uncle and and IRS debt I needed to pay ). I told them this amount was not correct that it should not be more than $13000.00 ( My total Down payment ( which included my - initial down payment and a $4000.00 gift from my uncle ) plus my IRS debt ). I was told that a clerical error was made on the closing disclosure and it would be fixed the following morning. I was also told that to avoid any issues that I should deposit $11000.00 ( which would be added to my $2000.00 initial down payment ) to make sure that we had enough money at closing and any anything above the $13000.00 would be refunded back after closing. The following morning - $11000.00 ( $7800.00 from myself and $4000.00 gift from my uncle ) was wired into escrow They also sent a new closing disclosure for


into escrow ( Now there is $15000.00 total in the escrow account ). On -/-/15 the day of closing approx 1 hr before funding is cut off they send another disclosure for me to sign which indicates only $10000.00 in cash needed to close, I asked were they sure and that anything brought in above this will be refunded and I was told yes, so I signed it and sent it back. My loan closed and refunds were issued on - and all they returned of the $15000.00 was $4000.00 ( $4000.00 for the additional gift my uncle wired plus the wiring fee of $59.00 ). I was total by the escrow company that there were no additional refunds. I immediately went to ICM and was told by the branch manager that I would receive a refund check ... I have made several attempts to resolve the issue ... but my calls from the branch manager and or the corporate office have not been returned. I have been in contact with a loan assistant but he has no answers for me. I feel they preyed on me and deceived me. I not sure how many people they have done this to but they must be stopped and someone should look into their practices. I need direction on how to get my money back.