M&T Bank Mortgage Complaint

M&T Bank Mortgage department,

FHA mortgage Application, originator, mortgage broker South Carolina

I have a mortgage with M & T bank on my home that I have lived in since 2009. We received several marketing letters from M & T bank via - regarding possibly refincing our loan to get a lower interest rate and payment. I called to inquire about this and was told by the loan officer I was working with that I should be able to refinance my loan and save at least - per month depending on what our house appraised for. They took a payment from me of - including - for the appraisal and - for an application fee. They hired an appraiser who came out and did an appraisal that their underwriter rejected ''. I was never notified that the appraisal was rejected. - said that she called my cell phone -. that is not true there were NO missed calls for VM from her or anyone else that week. She also said that I was mailed a letter, I never received it. I asked about getting any of my money back and was told I could not. They ended up telling me they could not offer to refinance my property. I feel like they just stole - from me by taking an application fee that they never intended to do anything with and - for a worthless appraisal.