Amerisave Mortgage Complaint

Amerisave Mortgage department,

Conventional fixed mortgage Application, originator, mortgage broker Arizona

I recently became aware that Amerisave Mortgage Corporation participated in some illegal practices that harm customers. I did not know at the time ( until recently ) that I had any legal recourse for an issue I had, and I would like to seek restitution at this time. I applied for a 30 year fixed rate mortgage loan with Amerisave on -/-/06 ( loan application # - ). As part of the process I paid for an appraisal. I also paid for " discount points '' to lower the interest rate on the mortgage. These payments were made through my credit card on -/-/06, and I have those records. Shortly after I cancelled the loan, as the terms had not been satisfactory. It was my understanding that the $390.00 appraisal fee was non-refundable, but the $3000.00 that was paid in discount points should have been reimbursed. I inquired many times to Amerisave to get this $3000.00 reimbursement and they said they could not refund the money. Not only was this bad customer service, but caused customer harm to me in a deceptive and possibly illegal action of not returning the $3000.00 in funds. Although it has been nearly 10 years, I would like to have this money refunded to me. I did not know at the time that I had any rights to get this money back, and was told to the contrary. Please advise. Thank you.