LoanDepot

San Diego Revdex.com Complaint #:       [redacted]   Borrower Name:                              [redacted]   Complaint...

Date:                               08/16/2016   Borrower’s Complaint Filed with the Revdex.com:   Talked to a Mr. [redacted] concerning a VA refinance. Vary specific about a refinance at no cost. Was quoted a 2.75% loan. When paper work arrived, There were additional charges rolled into the loan. When asked about the charges I was told that these were charges for points. When I reminded Mr. [redacted] that we had agreed on a no cost loan, he indicated that there were no out of pocket charges as the charges were rolled into the loan. A fraud? When I asked about a no cost loan, the interest rate went from 2.75% to 3.3%. My suggestion to anyone dealing with this company is "read the fine print" and ask questions.   Borrower’s Desired Resolution:   The borrower’s only resolution is to warn other borrowers to be sure they are getting the correct loan for their needs.   loanDepot’s Borrower Complaint Summary:   The borrower feels he explained his desire for a “no closing cost” loan on the first call to loanDepot.The borrower feels we were fraudulent in providing a “no out of pocket cost” loan to the borrower. When the borrower received the “no closing cost” loan he was requesting, the rate was adjusted upwards and made the borrower feel loanDepot was behaving in a fraudulent manner.   loanDepot Findings and Response loanDepot apologizes that the borrower felt we did not offer the correct refinancing information on the initial call.   loanDepot provides the borrower the best offer to meet our borrower’s  needs, while at the same time making sure there is a net benefit to the customer   The information provided on the initial call between loanDepot and the borrower was saving the borrower $70 a month.loanDepot apologizes that the borrower did not understand the loan would have cost associated, but would be absorbed by increasing the loan amount and avoiding the need for the borrower to bring funds to close.Once loanDepot learned the desire of a “no closing cost” loan from the borrower, we were able to quote a rate higher than the “no out of pocket loan”.  This loan did not have a cost benefit for the borrower, and it was quickly determined to not to be of value for the borrower to refinance at this time. In summary, loanDepot sincerely regrets that Mr. [redacted] feels he was not given, the correct loan at the start of the loan process.   loanDepot tries to accommodate the borrower’s desires while at the same time making sure there is a benefit for the customer.  loanDepot offered the borrower a “no out of pocket” loan to benefit the borrower with a lower monthly mortgage payment.    loanDepot apologizes the “no closing cost” loan did not give the borrower any monthly savings and was of no benefit to the borrower. Again, loanDepot strives to make sure there is a tangible benefit for the refinance of a borrower’s mortgage with best loan program at the time of application. Tell us why here...

Addressed clients concerns via email - copy below: [redacted]
[redacted]
[redacted]
[redacted]
 Ms. [redacted], Thank you for your patience while we were further investigating your concerns. Per the information provided to you by [redacted], your original rate was locked on 9/16/2016 for 45 days.  The lock agreement signed by you at that time states the rate lock will expire on 10/31/2016.  It further states, if the mortgage loan does not close and fund within the lock-in period, the lender is no longer obligated to the terms of the agreement. When the rate lock expired on 10/31/2016, loanDepot, as a courtesy, waived the lock extension at no cost to you for an additional 15 days. We were not required to notify you of the lock extension as there were no material changes with your loan at that time. The rate unlocked on 11/15/2016 and was relocked on 11/16/2016 at 4.00%.  Your loan team attempted to get additional pricing exceptions applied to your loan, but were only approved for the new rate of 3.875%.  I apologize if you were not personally contacted to discuss the new pricing with you prior to receiving this information via email. Per your review of your loan with senior management, additional pricing exceptions were made and your loan was priced back to the original terms. In regards to the credit inquiries, per the Credit Inquiry Explanation Letter that is provided to you at application, we continually monitor your credit activity and will request updated credit profile and/or pull a new credit report prior to closing.  These additional credit reports are referred to as gap reports and verify if new accounts have been opened and were pulled on 10/24/2016 and 11/7/2016.  Prior authorization is not required to pull these reports.Also provided to you at application was the Applicants Authorization to Release Information/Equity Freeze Letter.  This allows us to obtain needed information from your current lender in ensure we have updated pay off information for your current loan.  As payments are still being made by you to your current lender, it is customary to request updated pay off information in order to properly process your pay off. Again, prior authorization is not required to obtain this information. When we originally responded to the Revdex.com, we thoroughly researched those concerns and responded accordingly.  Upper level management did review your loan terms and provided you with the best rate we were able to offer.  After further review, we were able to make additional pricing exceptions allowing us to price the loan as originally offered.   We truly apologize for any inconvenience this issue has caused and trust this response fully addresses your additional concerns.  We understand that you completed the signing of your loan and are currently waiting for the loan to fund. If you need any additional assistance, please contact me directly at (949) 609-6509.  I will be out of the office next week; however, if you are in need of assistance while I am out, you can contact, Customer Care Supervisor, [redacted] at [redacted]. Otherwise, I will address any additional concerns when I return on January 3rd. Happy Holidays!
 
[redacted] Director of Customer Care ([redacted]
[redacted]
[redacted] 26642 Towne Centre Drive Foothill Ranch, CA 92610 www.loandepot.com Please consider the environment before printing this email.

The disputed amount is the difference in closing costs directly related to the title fees to correct documnets received from LoanDepot.  However, as stated in my desired outcome I would also like to be reimbursed 2 months of interested accrued from the private lender.  That is a total of...

$1,600.So the correct disputed amount should be $1,952.71 + $1,600 = $3,552.71Thank you,

loanDepot sincerely apologizes for the communication issues
between him and loanDepot. This has been addressed with management and handled
internally. Mr. [redacted]’s escrow refund was overnighted to him on March 22, 2016
via FedEx. The tracking number is [redacted]. Should Mr. [redacted] have any...

other
questions or concerns regarding this, he can contact the Servicing department
via phone at [redacted] or via email at [redacted].
The hours of operation are Monday through Friday from 5:00am to 5:00pm PST.

Attached is the Letter of Explanation regarding this complaint.Thank You. San Diego Revdex.com Complaint #:  [redacted]  Borrower Name:   [redacted]  Complaint Date:  ...

7/6/2015  Borrower’s Complaint Filed with the Revdex.com:  The Loan�...⇄ Borrower claims that she was upfront with loanDepot and feels misled.�...⇄ Borrower claims that there were communication issues between her and l...⇄ Borrower wants loanDepot to complete the loan or compensation of $12,0...⇄ loanDepot sincerely apologizes that the borrower feels misled. loanDepot...⇄ loanDepot sincerely apologizes for the miscommunication that occurred be...⇄ Unfortunately, loanDepot cannot complete the loan due to the borrower�...⇄

Please accept this as a formal response to the rebuttal that loanDepot received regarding the complaint originally submitted on April 20, 2017.   We have reviewed our systems, and there is no evidence to support the customer’s allegation that they were informed that the appraisal fee would be refunded if the loan did not fund.   The customer executed the Appraisal Deposit Agreement where they acknowledged the following:   REFUNDABILITY: The Appraisal Deposit is refundable in certain circumstances    If no Appraisal Services have been completed on your property and you subsequently withdraw your application or your application is declined, your Appraisal Deposit will be refunded in full.     If Appraisal Services have been completed on your property and you subsequently withdraw your application or your application is declined you will be refunded the difference between the Appraisal Deposit and the amount of the value of the Appraisal Services performed. If your application is declined, even if the appraised value is not what you expected, you will only be refunded the difference between the Appraisal Deposit and the amount of the value of the Appraisal Services performed   The customer alleged that loanDepot furnished a false Title Report. The Title Report was ordered from an unbiased, third party vendor. In order to proceed with the refinance, investor guidelines require that liens on Title must be satisfied. Regretfully, the customer was not willing to satisfy the lien. Customer also alleged that the assigned appraiser is not VA approved. In order to be in compliance with Uniform Standards of Professional Appraisal Practice (USPAP), an appraisal must be ordered with an approved VA appraiser. The customer may confirm the appraiser’s VA status at https://entp.hud.gov/idapp/html/apprlook.cfm   We appreciate the opportunity to reevaluate the customer’s complaint. Regrettably, our stance regarding this matter remains unchanged. We regret that we could not assist the customer in their financial goals. Please consider this as our final review of this matter. Should the customer wish to further discuss, they may contact, Customer Care Supervisor, [redacted], at 949-434-[redacted] or via email at [redacted]@loandepot.com

loanDepot regrets that Mr. [redacted] felt that he was lied
to, but there is no viable evidence that supports his above accusations.  We tried to assist Mr. [redacted] as much as
possible, but in the end, loanDepot had to respectfully decline his file due to
the debt-to-income ratio being too high for loanDepot to lend upon. loanDepot could
not use his wife’s income as her paystubs reflect that she resides in New
Jersey. The subject property that Mr. [redacted] attempted to refinance was
located in [redacted] in which he stated was his primary residence. Due to this discrepancy
regarding the wife’s address being in [redacted] and the subject property being
in [redacted], loanDepot could not use her income as the VA is very stringent when
it comes to occupancy status of the property. In regards to loanDepot hanging up
on Mr. [redacted], he was given polite warnings that if he continued to act
harshly towards loanDepot, then the call would be disconnected.
In conclusion, loanDepot apologizes that his experience
with loanDepot has been anything less than satisfactory. Here at loanDepot, we
have established responsible lending and customer service as our core values.

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.Regards,[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
We are not satisfied because we were not dealt with honestly about obtaining a VA loan, which we have been able to do with another lender.  We were never notified that the conventional loan was rejected.  I have saved numerous emails I sent literally begging for someone to contact us to find where we were in the process, all of which were ignored by Loan Depot.  Very early on in the process we were contacted by our then current mortgage holders asking us to remove Loan Depot as a insured party because they had added themselves to our mortgage insurance without our knowledge.  This certainly didn't indicate to us that there was a problem obtaining the loan nor did it sit well with the mortgage company who had our loan..  The response received from Loan Depot is filled with claims that are patently false.The claim that our income to debt ratio being a problem, could have been easily rectified by paying off and closing a few revolving debts, which we had done prior to obtaining our current VA loan.  Had anyone from Loan Depot notified us of that being an issue we would have done the same for them.  We believe that because we were ignored and not dealt with honestly that Loan Depot was responsible for not obtaining the loan which we were perfectly willing to go forward.  We therefore continue to demand that the cost of the appraisal that was useless to us because of the failure of Loan Depot to move the loan to closing.   
Regards,
[redacted]

Hello,Please see attached response to complaint ID [redacted].Thanks,San Diego Revdex.com Complaint #: [redacted]Borrower Name:    [redacted]Complaint Date:    9/25/2015Borrower’s Complaint Filed with the Revdex.com:This company contacted me about possibly refinancing my mortgage. I decided to...

go with anothercompany. Their rep called me back and when I told him of my decision he got mad and said 'MOSTPEOPLE CALL ME BACK, BUT YOU DIDN'T!' I was taken aback but whatever. Yesterday, 9/24/2015, Ireceived an addendum to loan application. A few things: 1. I did not authorize them to start a loanapplication. 2. They got my name wrong. 3. They checked my credit twice in two days -- this affects mycredit score. 4. they pulled a credit report None of these actions were authorized by me. Now I have todeal with the consequences of their reckless actions. I have to contact all three credit bureaus and try tohave them remove anything about this company from my credit report.Borrower’s Desired Resolution:I want the Loan Depot to have these items removed from my credit report.  loanDepot’s Borrower Complaint Summary:1. Borrower states dissatisfaction with the services received.2. Borrower claims she did not authorize disclosures or credit inquiry.loanDepot Findings and Response:1. After a review of Ms. [redacted]’s loan application, the borrower initially communicated with loanDepoton September 4, 2015. During this communication Ms. [redacted] discussed possible refinance optionswith a licensed lending officer in an attempt to verify the loan products available. At that time, Ms.[redacted] provided the required information to qualify for a loan product specific to her financial needs.Furthermore, Ms. [redacted] provided the information necessary to pull the credit report, specifically,her social security number and date of birth. loanDepot apologizes for the level of service receivedand will address internal personnel as necessary.  2. loanDepot is required to send RESPA disclosures upon the completion of all loan applications.According to the Real Estate Settlement Procedures Act (RESPA), an application means thesubmission of a consumer’s financial information in anticipation of a credit decision relating to afederally related mortgage loan, which shall include the consumer’s name, the consumer’s monthlyincome, the consumer’s social security number to obtain a credit report, the property address, anestimate of the value of the property, the mortgage loan amount sought, and any other informationdeemed necessary by the loan originator.  In conclusion, loanDepot sincerely apologizes that Ms. [redacted]’s experience with loanDepot was anythingless than satisfactory. We attempted to assist Ms. [redacted] with her loan request, but ultimately, Ms.[redacted] decided to cancel the loan application. Furthermore, the credit inquiries were valid to make surethe borrower is credit worthy for loanDepot to lend upon and loanDepot will not remove the creditinquires.  Should Ms. [redacted] have any additional questions or concerns, she may contact the Customer CareDepartment at [redacted] ext. [redacted]. Representatives are available to assist her Monday throughFriday from 8am to 5pm, PST.

San Diego Revdex.com:               [redacted] Consumer Name:            [redacted] Rebuttal Date:                September 1, 2016 loanDepot File:               [redacted]     Consumer Rebuttal Filed With Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. As per the terms of that agreement, Loan Depot agreed to never contact me again by any manner,ie., mail, telephone, etc.  In exchange for that, I would drop the complaint.  I met my part of the agreement.  However, they still contact me or my wife, [redacted], approximately twice a month by mail.   I have sent much of it back to them with no results.  Finally, I broke down and called them yesterday.  The person said there was nothing he could do and just kept reminding me that they had an A + Revdex.com rating.  How they have an A+ rating is certainly a mystery to me.  Any way, I want this to stop.  These are, in my opinion, terrible people who do not mind harassing senior citizens.  Please help me if you possibly can.  All their correspondence comes from [redacted]   Regards,   [redacted]   loanDepot Findings and Response: We appreciate the time the customer took to bring their additional concerns to our attention. loanDepot is apologetic for any inconvenience the customer may have encountered. We have dedicated prompt attention to the concerns noted in the rebuttal, and we are grateful for the opportunity to clarify any misunderstandings. We understand that the customer recently received unsolicited mail of a promotional nature from loanDepot. Our records indicate that the customer was added to our do not contact registry on or about May 21, 2015. We sincerely regret that the customer felt our advertisement was sent without prior knowledge. Our goal is to always work with the highest level of integrity and transparency. In an effort to assist homeowners with mortgage refinance options, loanDepot periodically sends advertisement based on information customers enter online.  A new sale lead is generated from the information entered into a search engine query or website referral; which supersedes any previous “do not contact” requests. Our Marketing Team sent solicitation in response to a lead generated on March 20, 2016 and April 22, 2016. We understand the customer is not requesting a refinance. We have concluded that there is no loan pending or completed with loanDepot under their name and property address. Additionally, no official credit bureau inquiry was made. On September 13, 2016, the customer’s contact information was placed back on our do not contact registry to ensure that we comply with their request to cease solicitation. We require our affiliates to honor the customer’s request to halt solicitation, however, this process may take up to 90 days to complete. We trust this communication addresses the customer concerns. If additional information is needed, please contact Customer Care at (888) 337-6888, Extension [redacted], Monday to Friday, 8:00AM to 5:00PM Pacific Time.   Sincerely, [redacted] Customer Care Analyst

We sincerely regret that the customer feels their concerns were not important to us. We care about our customers, and work within permissible perimeters, to assist where it is possible. Our Servicing Department will take control of all loan issues after the loan is funded. On August 30, 2017,...

we received the customer’s request for loan information; however, the request did not indicate specifically what documentation was needed. We sent a transaction history to the customer that shows loan information since loan inception. We apologize that you feel as though your issues were not addressed. The terms of the Note indicate the loan has a fixed interest rate. An escrow account was required and the required amount collected would be adjusted in accordance to the impound amounts. Our records show that there was an escrow deficit of $2,516.37. We were made aware that the property taxes were current. However, the county informed us that future property taxes increased. After we adjusted the escrow deficit, the shortage amount was reduced to $432.31, and spread over 12 payments of $36.03 each.   On April 28, 2016, we received funds to pay off the loan. Due to the length of time that the loan file has been satisfied, loan file has been archived and it takes time to retrieve loan information. The customer has yet to inform us specifically what loan documentation they are in need of. We recently sent a copy of the Note, Deed of Trust, and the Final HUD Statement to the customer by U.S. Mail. We understand that the customer is concerned about derogatory information reported by loanDepot to their credit profile. We are required by law to report accurate data regarding the mortgage payment to the credit bureaus. Regretfully, we could not research this matter without more specific data. The customer can contact our Loan Servicing Department for assistance.  However, it might be more convenient for the borrower to dispute the derogatory information directly with the credit reporting agency, and they will provide us with the necessary data needed to conduct an internal investigation.We appreciate the opportunity to respond to the customer concerns. If additional information is needed, please contact our Servicing Department at [redacted].

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]s

loanDepot sincerely apologizes that Mr.
[redacted]’ experience with loanDepot has been anything less than satisfactory as well
as in regards to the communication between him and loanDepot. The
communications issues will be researched and handled internally. Currently, Mr.
[redacted] file is still...

active so a refund of his appraisal deposit is not
warranted as loanDepot is diligently working with Mr. [redacted] to see if we can
finish and close the loan.
Should Mr. [redacted] have any other
concerns in the meantime, he can call into Customer Care directly at
[redacted] ext. [redacted]. Representatives are available to assist Monday through
Friday from 8am to 5pm, PST.

Consumer Complaint Filed With Revdex.com:I was going to refinance my home and during the application process I was informed by the Senior Mortgage Banker, [redacted], that if for any reason my loan (Loan# [redacted]) would not go thru or if I would not be satisfied with the outcome, I will receive the...

$425 back for the appraisal fee. I agreed with the conditions looking forward to refinance. When Mr. [redacted] asked what I believe is my property valued at I wasn't sure and I referenced my neighbor's house since just sold for $220K. I mentioned that my house is a little bigger and that I have a fenced yard. Mr. [redacted] assured me that I will have no problems refinancing through loanDepot.com and offered a good package (FHA loan at 3.875 with $25K cash available to payoff bills)..He also told me confidently that with the extra cash (after paying off bills) I will be able to pay off the loan in approximate 11 years (instead of 30 yrs.) I was so excited and told all my friends and family about the loan. Five business days after the appraisal report, another representative, Production Specialist [redacted] called me and informed me that the loan was declined and he can offer a different option. After listening to his option, I told him that I was very disappointed since his option was not even close to the initial loan agreement and he responded that was not his fault that the appraisal was lower than what they initially based their loan. I explained to Mr. [redacted] that I provided to his Organization all information needed to ensure the validity of the worth of my property and as a loan company I expected their assistance in providing accurate information. I told him that based on his option I feel forced to close the deal and conclude that refinancing based on Mr. [redacted] new loan calculation is not financial sound hence I have no options but to not accept the loan.Consumer Desired Resolution: I ask for the appraisal fee of $425 to be refunded to me since it is part of the agreement that Mr. [redacted] stated when the loan was initially created. At this point in time I truly feel betrayed and misinformed by loanDepot.com. I don't know about others but I wanted to refinance because I do not have monies and by refinancing, I would be in a better financial position. Little to know that I would be -$425 on the credit card (ironically the one that I wished to payoff) Sincerely, [redacted].loanDepot Findings and Response:loanDepot is committed to the complete satisfaction of our customers. The concerns of our customers are taken very seriously. Surpassing their level of service expectations is priority. We pride ourselves on working with the highest level of integrity and transparency in all facets of our processes. We have dedicated prompt attention to the concerns noted in the customer’s complaint and appreciate the opportunity to clarify any misunderstandings.We deeply regret that the customer felt unsatisfied with the loan process and the outcome of their loan application. Our objective is to partner with all our customers in realizing their financial goals. We exhaust all efforts to get their loan approved. However, there are times that a loan decision will not be favorable for the customer due to circumstances that are out of our control.loanDepot is held responsible to adhere to strict government, and investor guidelines. Initially, the Loan Officer will discuss potential loan programs and interest rates that may be available. Conditional approval may be given based on the stated facts the customer provided. Upon receiving the customer confirmation to move forward with loanDepot, they are informed of the requirements involved in the decision process. The customer must provide documentation to substantiate the stated information. At the time all required documents are received, the file is sent to underwriting.During the underwriting review, it was determined that the appraisal results regarding the value of the property were less than estimated. Regretfully, this left no option for approval for this particular loan program. The appraisers are selected by a licensed appraisal management company. loanDepot does not have control over the appraisal transaction. All licensed appraisers must adhere to strict regulations regarding real property valuation, and must meet governmental qualification.After a careful review of our records, we have concluded that a refund of the appraisal deposit is not warranted. The customer signed an Appraisal Deposit Agreement on June 28, 2016 that authorized loanDepot to collect an appraisal deposit. This deposit was collected in advance for the purpose of appraisal type services which provided property valuations. The property valuation was conducted on July 11, 2016. The appraisal deposit is refundable if the loan application is cancelled or declined before the appraisal services are completed.We are thankful for the time the customer took to write and alert us regarding their experience. We trust this communication addresses the customer concerns.If additional information is needed, please contact Customer Care at [redacted], Extension [redacted], Monday to Friday, 8:00AM to 5:00PM Pacific Time.Sincerely,[redacted] Customer Care Analyst

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

We appreciate the opportunity to respond to the customer’s concerns. Our goal at loanDepot is to constantly find ways to surpass the expectations of our customers. We pride ourselves on working with the highest level of integrity and transparency.We sincerely regret that the customer feels as though...

we are targeting veterans. loanDepot adheres strictly to the laws governing advertising and marketing. We confirmed with internal records that the customer was initially added to our “Do Not Solicit” registry on September 21, 2017. We have honored the customer’s request to cease direct marketing attempts however, the process of removing customer contact information can take up to 90 days to complete.loanDepot is apologetic for any inconvenience that the customer may have encountered. We know that the essential part of our business is the customer’s opinion. We are dedicated to providing the highest quality of service to our customers, and especially those who have served our country.If additional information is needed, please contact loanDepot Customer Care at (888) 337-6888.

Attached is the Letter of Explanation regarding this complaint.Thank You.San Diego Revdex.com Complaint #:  [redacted]  Borrower Name:   [redacted]  Complaint Date:   5/22/2015  Borrower’s Rebuttal:  That is their pat answer but does�...⇄

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
We never had any loan types in mind when we contacted them they told us they would see what loan would be best for us. the amount would be depending on the appraiser and what we don't want we would send back to them and it would be taken off the loan. On the repairs the A/C was the only item that was questioned because it was just replaced last year and the appraiser didn't know how to operate the unit so she said it didn't work when she inspected it so it would need to be replaced so I talked with her and the state and they both advised us that they were not to inspect those items in a house and that a home inspector would be needed. so I talk to loan depot about it they said not to worry about it and just fix the other repairs and we did that so I don't know how then can say that we didn't fix them. we were advised that they were going to send out the appraiser to verify but they never did that. so I had called serval times to find out what was going on with the loan cause we would not here anything from them I was advised that the amount that we wanted was not enough for them to do anything and if I wanted the loan to go though then I would need to pull more and I told them I didn't want to do that so the next day I received a call and was advised that they were not going to fund cause their was no prof that the repairs were done and that I had to contact there contractor and pay them for the inspections. I received calls after all of this wanting me to accept more money and could just send back what I don't use or don't want and it would come off the loan amount and we would get our funding. I advised them I didn't want to do that cause the payment would not change and that the payment would be higher and they said it would be the same payment amount as to pulling a smaller amount.
Regards,
[redacted]