Quicken Loans Mortgage Complaint

Quicken Loans Mortgage department,

Other mortgage Settlement process and costs California

I received a phone call from Quicken Loans on or about - 2015 informing me I could refinance my current mortgage at a lower rate with no points and no costs. We began the process and locked the rate at 4.250 percent ( with no points and no costs ) and a rate lock expiration of - -. I was ready well-before the date, but - was not. When they were ready, on about - -, I was told the rate lock had expired and that I could only have the rate that was promised ( 4.250 % ) if I agreed to pay points ( a little less than 1 % ). It feels pretty much like - pulled a bait and switch, because I can point to - periods in the process where they went radio silent for approximately - weeks in total between the beginning of -/-/- and end of -/-/- ( this can be documented. ) Additionally, on or about -/-/--/-/-, I sent a series of emails to the loan officer expressing increasing alarm at the looming deadline. They do not deny being the cause of the delay that caused the expiration of the rate lock, but they will still not honor the offer made to me originally and that I in good faith moved forward under. I am saddened that I have to file a complaint for them to do the right thing, but here we are.