Lending Tree

I spoke with Ash ** at Lending Tree to inquire about approximate closing costs. He insisted he could not answer any of my questions without some very personal information. I gave him all of the information he asked for, and then decided not to refinance my home due to closing costs, needing to be rolled into the loan. I was not able to come up with all of the closing costs in cash, and did not want to add them to my loan balance. After only 2 short weeks, I am now inundated with junk mail, spam, and phone calls. I don't know if they sold my information, or just shared it, but I have received 11 offers to refinance my home for the exact current payoff, and several other offers, for amounts in the same ballpark.

This company is nothing more than a scam. They ask for very personal info and after they get that info and pass it on to other companies. They find a lame reason to decline your loan. Then they refuse to return the $400 that you gave them and they replied they would return if the loan was refused. Don't let these scammers scam you out of money. They are a joke. Maybe the BBB will put them out of business and leave the thieves in the street.

2 1/2 years ago, I applied for their service in order to see if I could refinance my house during a crunch. I begin getting offers to refinance and they've never stopped. Unless you want these offers for the rest of your life, do not give these people any information!

I asked Lending Tree for auto loans. I was expecting to be connected to lenders. My email and phone numbers were given to Autobytel, which further forwarded this information to auto dealers in my neighborhood. I did not authorize any of this. I have been receiving several emails and phone calls from auto dealers. I am also concerned the auto dealers can provide my email address to other third-party spammers.

I applied online for an auto loan. The 48 hour decision was actually 96 and then they refused me, I have perfect credit with a score 780+. 2 weeks later, they called me and said a loan specialist will call me in 10 minutes. 4 hours later, a debt restructuring company called me. Oh dear! Better go elsewhere. These guys don't have a clue. Now, I have unwanted phone calls day and night from people wanting to offer me high APR loans or debt restructuring. I have great credit and zero debt.

I expressed an interest in a loan refinance and since then I got multiple phone calls at home. I called LendingTree.com to have the calls stopped and was told an email would be sent out. Well hours, then days later, I'm still getting calls.

My experience overall was horrible. They talk a good talk and every time you have another conversation, it is this or that and you end up spending more than you are saving. They are rip-off artists in the true sense. I am only glad I called it quits and caught on to their game. I plan on filing a complaint with the BBB and Consumer Protection Agency in Massachusetts. The do not deserve a rating. They are in the negative numbers as far as I am concerned.

I completed an online "interested in refinance" questionnaire from Lending Tree, which indicated that the 3 best banks would contact me. Big mistake. Over 10 banks have called and emailed me, and I now receive unwanted sales calls every hour of the day and night, on a new cell phone which number I have never given out. Clearly, Lending Tree sells personal private information, without clear and complete agreement from consumers. I have completely lost trust in Lending Tree, and will not respond to their own emails and calls.

I was helping my elderly mother-in-law to refinance, and Lending Tree rushed out to do the appraisal. Little did we know that the appraisal process has been over regulated and this appraisal was used as a tool to try to lock us into their loan and they refused to transfer the loan. I have refinanced many times and this company was absolutely no help at all and used this appraisal to try to lock us into their over-priced loan closing costs and higher interest rate. Because of this, my 69 year old mother-in-law had to pay for another appraisal and she is only on Social Security. We were forced to get another appraisal, thanks to the lack of Lending Tree fully disclosing this information. What a bunch of misleading **! I requested a refund but they never responded. Never do a loan over the internet especially with this company!

We were contacted for refinancing of home loan and debt consolidation from SurePoint Lending which was bought out by Lending Tree. The information given in the first phone contact gave us the promise of an easy straight forward loan. After faxing all the information that was stated we needed, we started the process with Sure Point Lending.

About a month into this, Lending Tree bought SPL. We didn't hear anything from anybody for several weeks. I contacted them to find out where we were. John informed me that they were bought out by LT and they were waiting for new computers, software and training from the new company as well as re-certification for them in each state to do loans. This took around three weeks for them to get this and then they wanted all the information again.

Basically, eight weeks were lost and we were advised to start anew. I sent in all the information on this simple loan but had many issues along the way, things they did not like or required more information. They finally ordered a $400 house appraisal, which came back for the amount we wanted to borrow. After many more issues on our loan, as we have a score of over 770 and never missed any payments for the 33 years we have been buying things, I was getting perturbed with they process.

After several more months of delays, our appraisal time window was running out, which would require us to pay for another. As the last day was upon us, they called and refused our loan after over five months of delays. I expressed my disgust and they informed me that I would have problems no matter where I went for a loan.

After they dinged my credit by inquiring into my credit report 22 times, my credit score has dropped to below 700. Last week, we went to a local bank and after three days, we were approved for the same loan pending an appraisal next week. It was a very bad experience and I would never do it again. I don't understand who could meet their requirements for a loan and at what time frame! I hope that this helps others.

I went for a refinance to pay off my ex-wife in divorce settlement. I told them I had timeline of 2 1/2 months. It's been four and no deal. They say everything is good but we need one more item. I resent the item as they have lost it. This has happened four times. They say we are all set then they ask for something else. I have two commitment letters. I am on the 3rd settlement letter and each one has raised the amount due. At first it was $8,000; now it's over $10,000.

These guys are chronic liars and I am walking. I wish I saw this site sooner. I rate them -100 stars. This has been the worst lending experience by a million times in my lifetime.

Lending Tree contacted me in late October 2011 and advised that since I was a previous customer, I qualified for a $2000 credit if I refinance now. I asked him to send me something in writing and he said I needed to pay $250 for an appraisal so he could have actual to use. I agreed and the appraisal was done. They sent me a disclosed statement that showed charges of $1983 but a refi balance $10000 above what I owed. My wife sent an email declining the refi. They called her back and gave a bunch of double talk about where the extra $8000 came from. She again told them no.

In attempting a refinance I provided all documents on the 2nd day after contact. They opened up a web account for me. Immediately after paying the appraisal fee, the website failed and I was told I didn't need it anyway. I had a friend make contact to get the website fixed. Since then I was told that the appraisal was set but it wasn't, though the website indicated it was.

Since then the appraisal was conducted on the 1st and the website is updated daily to reflect that the appraisal was ordered on the current day. It has been 15 days and nothing. There is no one to talk to or complain as every email or phone number takes you right back to the same person that was telling the lie in the first place. As for the fool that suggests that folks "do their homework" he is misinformed. Of course they make money on the appraisals. Check Quicken Loans if you want to understand how.

There are a lot of good quality lawyers in Southeast Michigan. James ** of Schmier Law (Birmingham, MI), is not one of them. While representing Case No. GC 09 1653 in the Michigan 46th District Court, he did nothing, because he didn't know what to do. So, he petitioned the court to withdraw, and he did. He also presented the Michigan Attorney Grievance Commission, a "bogus retainer agreement". He did. According to Schmier, he sent (2) copies of the retainer agreement to client via U.S. mail, but neither of the two were returned to him. Pure **. Right! Laugh. Go ahead and laugh.

The client never received either of the two retainer agreements, because he (Schmier), never prepared/submitted them. The subject matter concerning a retainer agreement between Schmier and client, never surfaced. After eight months of doing nothing, he (Schmier) said, "this case is hard".

The client, accompanied by a Birmingham police officer, retrieved all case files from Schmierk, from his Birmingham Office, in December 2009. This was before the January 2010 Court Date. He, (Schmier) never had conversations with the Birmingham, Michigan police officer, concerning escorting the client. He said he did. He lied.

The Birmingham, Michigan Police Officer denies his allegation. He, therefore, has compromised, and damaged a police officers reputation. He (Schmier) is a number one loser, and a master liar. He is inept, inconsistent, and conflicting. How he ever retained a Michigan law license, is a mystery. Oh by the way, he didn't show up in court to speak for himself (01/11/2010). He petitioned the court to withdraw (Case No. GC 09 1653) but could not/did not show his face in court. He said he wasn't feeling well. Pure **!

Warning, do not use the services of this lawyer, James **. Do not invest in his law firm, Schmier Law, PLLC (Birmingham, MI). Do not trust him. Do not trust his advertising. He is forgetful, dishonest, and a constant liar. He is not professional, or committed. He does not, and cannot produce quality service. He simply can't, because he is not a quality lawyer. His advertisements are false. His business operates 24/7 via cell phone (**).

All I wanted to comment on is that this site saved me. Thanks to this site and all of the people who cared enough to comment about their experience with Lending Tree, they saved me a terrible experience. Thanks to all of you! I was and still am shopping around to refinance.

I applied for a personal loan through them and they are denying, but somehow, another company got my information and said they were through Lending Tree. What's weird is that they had my personal information. They were called harborequitygroup.com and you can even see other reports about them on **. They have other complaints about Lending Tree there. I am now out $768 because of all this and I will never do business with them again because they can't protect their information. They have told me they are not in their network, but how did they get my information from them?

I would give Lending Tree and LSI Mortgage Plus no stars if this site would let me choose zero. However, it forced me to choose at least one! It's a horrible company. Never do business with them! I sought out a refinance loan from Lending Tree over 4 months ago. I was sent a list of lenders they worked with that would work with me, based on the application I filled out on their website. I ended up deciding to go with a company that they recommend called LSI Mortgage Plus. It's the 2nd worst mistake ever! I based my choice on research. LSI promised a quick turn around to refinance of 10 to 14 days (notice at the start out saying 4 months ago). Yes it's been 4 months and I am yet to close on my refinance. This should be a quick and easy thing. Because unlike many these days, my home actually has about 60,000 dollars in equity. And I am not upside down nor have I ever missed a payment on the original loan.

I have had one mishap after the other, working with LSI. They are a poor excuse of a lender. And it amazes me because I was promised in the beginning that my situation was easy, and that in 10 to 14 days I would be able to close due to the fact that they are a direct lender. The first bad thing was dealing with a rep from LSI named Joe **. He ended up leaving the company after I was in this for 2 months. He never once told me he was leaving and left my file hanging. I found out that he was gone by calling in and speaking to a manager. The manager told me that my file was transferred to another rep because of Joe **'s departure. LSI also messed up the loan number on my appraisal causing everything to halt. And we found out that we would have to have another appraisal done! You have to be kidding me! This company is a joke! I'm sitting here 4 months out and still have not closed and wonder if I even will. Please, if you are in the market to get a home loan or refinance your current home loan, steer very clear of Lending Tree and LSI Mortgage Plus. Save yourself the headaches and hassle and the extra money out of pocket it will cost you.

It amazes me how uneducated the people who rant on these sites are. I find it amusing. Think about this. A mortgage cannot make a loan, if they have a short appraisal. Mortgage companies get paid from closed loans. Why would they be scamming appraisals not to do loans? They would not get paid if that is the case. It seems like common sense to me. To those below who feel LendingTree is the reason your home was appraised less, I suggest you research the HVCC (Home Valuation Code of Conduct). It is illegal for any mortgage company to have any communication with appraisers.

Everything is appraised through a third party now, and the borrower has to pay the appraiser directly to prevent any conflict of interest. The $400 you spent for the appraisal didn't go to LendingTree. If you are mad, go after that appraiser! Maybe go after your neighbors down the street, whose home is getting foreclosed because they are bringing down your neighborhood's value. I hate to burst your bubble, loan officers want your appraisal to come in high. Otherwise, they cannot do the loan. Therefore, they do not get paid. Do your homework.

I have been working on a refinance for 3 months, only to find out after all the paperwork I provided that I would not be approved for the loan. All through the process, they said everything looked good, but they were waiting for rates to go down to lock it in. My purpose for refinance was for cash back to pay off outstanding bills. Not only will I not get the loan, but because they dragged their butt for 3 months, I now have a bad rating on my credit score. Thanks to Lenders Direct & Jamal Singh for screwing me.

I began the process and was provided general information on the refinance, rate, and fees of approximately $2500. The appraiser came to the house for 5 minutes and gave me an appraisal of approximately $30,000. I have not received a copy of the appraisal. Lending Tree then requested additional payments to close ($9,000). They did a lot of back and forth over the following 2 months with excessive requests from underwriter, requests for information previously provided and out of the blue, I am told we must close in 5 days. LT scheduled an attorney to close without telling me of the appointment, just found out from the closer when he called to get directions.

I was told, after calling an LT rep about surprise closing, that no funds were to be collected at the time of signing, but it was not the understanding of the closer. I was not provided any documents to review, and I requested to see HUD statement, which was not correct, so I was not able to review it before the surprise closing. There was no information on the disbursement of funds. I got a computer-generated email that stated the loan was funded. This was the most frustrating, unorganized and unprofessional experience I have ever encountered. I would never recommend LT, however, I did once use Quicken which was a very good experience.

Lending Tree is a lousy, tricky and dishonest company. Lending Tree only found me one lender instead of four. They also tricked me in signing for a Credit Monitoring membership, by hiding the offer with small print and under the cover of free credit report. All I thought I was doing was to apply for a free credit report. Next thing I know they were charging my debit card, $12.00/month for credit monitoring service which I did not want or asked for. And now they refused to refund the money. Just save yourself with headache and do not do business with lending tree.

I started the process with Adam. He told me the rate would be 4.125%. I was charged $400 for appraisal and said Adam was on a leave of absence. Mariah was now in charge. Appraisal came in $50,000 lower than 1 year before. The house was built and is brand new. Supposedly, LT appealed the result to the appraisal company, but they would not change it. A real estate agent sent LT home sales showing our value should be higher. I did not hear from LT for weeks and I had to call them. I went over and over information (many phone calls and much time spent), only to find out the rate was higher and we did not qualify for the original terms. I'm in the process of starting again with other companies. I will file a complaint with credit card company for refund of fee.

I called many companies to refinance my home and fell victim in the same way as the many stories I've read here... Just wish I had read this all first.

I was told we were approved at 4.25% fixed refinance interest with excellent credit. He acted like he had done the prequalifying procedure and said now all we had to do was pay $400 to get the "paperwork" going. Appraiser was unprofessional and extremely rude. He was here maybe 5 minutes and 3 days later I got an email that the appraisal came in very low. Inaccurate reports of taxes, was off on the measurement of the home by almost 300 square feet that is a matter of public record if done in the right county and was off on property taxes by almost $1000.

Then after bringing all these discrepancies to the Lending Tree representative, he then sent me on a wild goose chase for Comps. He said he agreed that the appraisal was wrongly figured and poorly done and if I can get him good comps from big real-estate companies, he will submit for a new appraisal. Needless to say, the comps they had on my appraisal that were used were shot down by all 4 local major realtors as incomparable homes on 5 out of the 7. Their appraiser used only short sales and foreclosures and builders who are not in the same "playing field" as comparisons.

Then I was told at least 10 times this loan is going through. The manager of the underwriting department was in agreement and the rep said his sales manager is in agreement and we should close very soon. Weeks went past, no replies to our questions and no calls. All of a sudden he called me and said everything is looking great. He said, "Just get me the full reports of those wonderful comps so we can put them in your file."

I did that and I also told him I changed my mind on the cash out option. I just wanted to refinance at what I owe plus closing. 3 days later, I got a denial email on the loan.

People, this is a scam. They even tried to say I need to pay more money before I told him I don't want a 50,000 cash out to lock in my approved interest rate but I said no, I want to know what's going on first. I called my credit card company and told them all this and had to cancel the cards I've had for years. New ones and new accounts have to be issued. They said they have been getting many calls like this and it is fraud.

I'm waiting for my refund as my credit card company is going after them for lying, stealing funds and giving false belief to us that we were approved. Bad, bad appraisals being done through them. They are not going to refinance people. They are just collecting this $400 plus lock in fees and other made up fees to a lot of folks. Never again will I look at Lending Tree for any future business and will never look at out of state, fast talking companies for refinancing as they do not seem to have anything in your best interest or intentions of a real refinance deal. It's all talk. Stringing along and words being used to convince you that you're approved, just waiting. Never again. You will never get a call back from upper level management of any kind either. Deaf ears and thieves.

I went on Lending Tree and got about 10 people calling me and went with Quicken Loans. It was a big mistake. They lied and was giving me the run around that took about 7 weeks. I usually don't recommend people but the guys at ENG Lending closed us in less than a week and they did a great job.

I have sent in request forms to Lending Tree to stop sending me solicitations to my e-mail account. All I get is more of the same spam as usual. Can you help to stop this from happening?

Spoke to a young lady regarding a refi. I have done this many times before so I am well aware of the drill. She was very condesending flip and I just wanted the rates. I have been quoted rates by other companies and did not have to go thru the drill so I told her we should stop the conversation. She literally HUNG the PHONE up on me. Suggestion to your company teach your reps some manners

I am getting a number of emails daily and have spent hours trying to unsubscribe to those. However, I can't find anything that tells me how to do this. I do not want these constant emails and I've never asked for them.

I am so glad I found this site. I was searching for a mortgage company; and Lending Tree was at the top of the search engine list. All I can say is, I would not do business with this company ever, after reading everyone's post. I thank you all so much for posting your complaints and informing other consumers of the bad business practices of Lending Tree. Just one question comes to mind, "Why are they getting away with this?"

In the first place i cannot open their e-mails. So i must go to their website in order to cancel out their e-mails. I have told them three times that i do not wish to receive their e-mails and would they please remove me from their e-mail list. They stop for a short period of time and then resume sending these unwanted e-mails. What can i do to stop these piranhas from sending me e-mails. They work thru a company that send me also unwanted e-mails. Therefore i am deluged with e-mails that i cannot open and try to cancel but cannot. What are my options in this matter?

I keep getting spam from them in my e-mail, I have ask to be put on their no call list but I keep getting e-mail from them.

I have unsubscribed numerous times as I keep getting spam from lending tree .com - and every time I do I get 3 X more spam. Very annoying.

Lending Tree sent an advertisement to borrow money and I clicked on the "Unsubscribe" and the next page came up as Google Chrome not working. I do NOT want to receive this kind of mail and never asked for it.

I get on a average 17 spam messages from lending tree. I've already sent a complaint to the Oregon attorney generals office.This is BS and they have no right. I wouldn't do business with them if they were the last company left.

I receive an email from Lending Tree almost daily. I have filled out several "unsubscribe" notices to no avail. The emails continue. I do not want to receive ads from Lending Tree and if they do not stop I will take it further!

Lending Tree strikes again! They had me pay for an appraisal and then denied my loan. But, it gets better. I found out later that I was lied to about my loan being approved and the appraisal was prematurely ordered. I was also lied to about policies that were in place such as:

1. Because of the state I live in (Nevada), I can only get an 80/20 refinance loan due the poor rating Nevada is ranked in home foreclosures. I found out later that this is not true! Tyler wanted me to have $14,000 at closing, which I was prepared to do because I was desperate. 2. They wanted $3,500 for closing costs! At the time, like I said, I was desperate and willing to pay. I found out later that because I just bought the home 3 mo. ago, I automatically get a discount. I am now closing with a different company for $1,200.

3. After the appraisal, a form 4506 was pulled from the IRS which stated that I claimed $3,000 in job related expenses (I honestly did), but Lending Tree says that I can't use a co-borrower now because it drops me below a "certain amount" of income. After some research, this too is unheard of in this industry. This led to the denial of my loan with Lending Tree. 4. From start to denial, they took 3 months! They just kept buying time, trying to come up with more and more reasons for me to back out. I tried to file a complaint with Lending Tree but if fell on def ears. What a waste of time, but I learned a lot. My next stop is the Nevada Attorney General.

I dealt with Patty G. for my home refinance and she was a great pleasure to work with. I had no issues during the whole refinance process and would suggest her to anyone interested in doing a loan.

It appears obvious with all of these complaints of the exact same nature that the lending tree is about getting the $400-$600 fee and not about closing loans. Make sure you make these complaints to the BBB (** and go to the lending tree in Charlotte). By their score it seems that they must actually pay attention to complaints lodged there. There was no damage done to me, thanks to these accounts.

The same thing that happened to everyone else happened to us. They basically appraised each of our properties at $400 each. And then, they told us there was an error in their figures and the loans could not go through. We tried to contact them for many days. They do have caller ID. It's because at one point they answered the phone addressing me by my name. We eventually called our credit card company and disputed the charges. We were refunded the money eventually. This was a very long and difficult process that we went through. I would never do any business with them again.

I tried to refinance and cash-out on September 2010. My home value was $475,000 at Chase Home mortgage e-statement value at that time. My mortgage was about $177,000 left. I was trying to loan $245,000.00. When I talked to the loan agent, He said; I can take out more money, but I said "No". So he sent me a Disclosure & Agreement by e-mail. So me and my wife signed the agreement paper and sent by fax next day. And next day, he said, I have to pay an appraisal fee of $400.00, so he can process the loan. So I asked him, what if the loan does not go through. He said then you will get your money back. So I gave him my card numbers.

Around 2-3 days later, I asked for the copy of the appraisal, and he said the home value is lower then what I said. It was about $370.000. They changed the loan amount to $222,000.00 and rewrote Disclosure & agreement, which we did not even sign for (new agreement). And the funny thing was the address on the appraisal was not my address. The appraisal man came and took pictures but, on the appraisal report, the address was not my address and the loan processing fee was about $8,600.00. It was a little too much.

About a month later, I decided, I wanted to only do a refinance, no cash out, because of the fee and everything. At first he said, OK, you can do it, but interest has gone up so I have to do with 4.5% on, 20 years. It was 4.25 before, so I said; OK, let me know how much I have to pay for a month. He called me later and he said, I have to pay an appraisal fee again. So I said, you just told me, I do not have to pay. I can hear giggling on his back ground. And he said; then just pays $200.00, so I said: I do not trust you, so Please gave me my $400.00 back. He said "NO" so, I called the manager a few times about this matter, but the manager said the same thing,"NO". They said; they did not make any mistake, so they will not give my money back. I pointed out that they appraised the wrong house, on their appraisal paper, but they still said "NO". What can I do?

I'm giving a copy to everyone who reads these complaints on an email that I sent to the rep who I was working with at LT when he finally gave me the big **.

My email said: It's very unfortunate that Lending Tree was so misleading with the initial information I was given by you back in October. Never was it mentioned that I would be charged for an origination fee nor did I ever agree to pay to receive a certain interest rate.

It is now obvious to me that Lending Tree never wanted my business probably due to the fact that I didn't want a cash out nor was I starting all over with a 30 year loan. So it is my understanding that Lending Tree or the financial institution lending me the loan wasn't going to make much $ off of us so they decided to cut us loose with an exorbitant amount of fees and charges that no one in their right mind would pay. Who ever heard of $16,000+ at closing?!?! How ridiculous and what a scam.

What I find most odd is your email stating that rates change daily and you have no control over them and you made it seem as though they have gone up since the initial rate you gave me back in October. Yet on your website it states that the 15 year fixed rate I was inquiring about is even lower than what you quoted me, so pedal your ** elsewhere.

I will put as much effort as I did into this re-financing deal into finding the right organization who I can report Lending Tree as a fraudulent company. Which now as I do some research that I probably should have done in advance, I find tons of complaints about Lending Tree with very similar stories as mine.

Thanks for nothing and for wasting our time!

I just got back from vacation yesterday. I was informed you were unhappy with the loan terms. Unfortunately it is out of my hands, this is the best loan we have for you. Rates change daily and we have no control over them, if you still see a benefit in the loan I suggest you set up a signing date before rates get worse. If you don't see a benefit in the loan you are not bound in any way and you can walk away with no commitment.

We can't do anything on the rate or fees, I am sorry.

Lo and behold, later when I received the loan docs, the rate was stated as not locked? During this time I was contacted by two additional Lending Tree people who would now be my contacts. I requested the rate lock documentation 3x, stated I would not go forward with the loan if the rate or points changed from the original GFE.

Each time I was told Nikki was advised and would contact me asap. Over 30 days had passed while they continued to ask me for more and more documentation some of it very personal i.e. divorce paperwork. It felt like they were stalling me! Then finally, after I wrote them that if the loan does not close by Christmas Eve I would cancel out, I got a call from yet another Lending Tree point of contact person Billy *** who went over the new, substantially higher loan rate. I stated that I was told the rate was locked at 4.125 but he said he could not honor it, the rate now was 4.75.

This is Bait and Switch, is it not? Or maybe they are just trying to pad their bottom line with consumer fees while not providing any financing? I told them to cancel this loan, remove me from any mailing lists, and am now in the process of refinancing with Wells Fargo, who provided a better loan and locked the rate on the spot over the phone. Caveat Emptor with Lending Tree, never again.

I had a very unsatisfactory experience with Lending Tree Loans when I tried to refinance my mortgage October 2010. They told me that I would have to pay for the appraisal $400.00 and I would get a copy. I paid but I still have not received a copy of the appraisal and they told me I couldn't get the refinance based on the appraisal. I have asked repeatedly by email and phone and Terry ** told me he would send the appraisal but he hasn't.

No refinance from Lending Tree Loans. To add insult to injury when I asked for the appraisal, they sent a document called "Trip and Research Fee" that clearly shows Lending Tree paid only $150.00 for the appraisal.

If you paid Lending Tree the $400 or $600 fee on your credit card, call your bank and state there's an authorized charge on your card and leave it at that. Your bank will need to know the charge date and amount. If they ask if you would like a new card to replace the old card say yes! Your credit card was charged by a verbal authorization and that is not a valid charge if you dispute it. Lending Tree will need to provide your signature to validate the charge. Your bank will ask if you had any business with Lending Tree ,do not answer that question just keep repeating the charge was not authorized and your bank will open a dispute case. You will get your money back!

I applied to refinance my home mortgage and was contacted by Haiyen Tran, loan rep for LendingTree.com. I advised Haiyen during the initial call that I was not willing to bring any out of pocket money to closing and could only proceed with the loan if that were a possibility. Haiyen assured me that could be done and told me I would need to pay $400 for a home appraisal to lock in my rate.

I was also assured I would receive a copy of the appraisal. I never received a copy of the appraisal but was told the value of my home came in too low even though she was over estimating the payoff of my mortgage by over $12000. I questioned her as to why it would cost me $12000 to refinance and she continuously told me not to worry about the numbers.

After the value came in lower, according to Haiyen, she began changing the terms of the loan and told me I would need to bring $3500-$4000 out of pocket to closing in order to make the loan work and ordered another appraisal. I still have no idea why a second appraisal was ordered and never received a copy or told what that appraisal valued my home at. When I told Haiyen, this isn't what was agreed upon when I paid the $400 appraisal fee and requested a refund; she simply told me it would not be refunded. When I began asking more questions, Haiyen hung up on me.

I was offered a loan with a set rate at 4.25% with no points and $75 a month for PMI for 5 years. All claims which ended up being false. I originally tried to refinance my existing mortgage balance with lending tree. The appraisal came in lower than expected so I was going to streamline my mortgage at my bank instead. The mortgage banker (Eric **) at Lending Tree said he could get me a lower rate than before because the rates decline (4.25%) with no points or additional fees then the original proposal I had with them. He also stated the PMI would be $75 a month and it would automatically discontinue after 5 years.

When I reviewed the disclosure online on 10-15-2010 it showed approximately 1.6% in points ($3518.23) And a PMI of $90 a month for 65 month instead of 60. When I contacted Eric about the points and PMI differences he said it was suppose to be .05 points and that he had made an error on the PMI so it was $15 a month higher. I told him that this did not make me happy but that the number's still worked a little better in my favor. After a couple of days the changes were not updated yet online so when I call the processor (Steve **) on 10/19/10 he told me that the $3518 included the origination fee, which you can obviously see is totally separate on the disclosures.

The actually total origination fees and points were $5412.51 then he told me it must have been a computer glitch. At this point I was beginning to feel I caught them in abate a switch game. I spent a few years out of college working in the finance industry so I understand the GFE's and truth and lending statements. So I began to feel more and more that they were being dishonest. Or just completely incompetent. It was at this point I emailed my feelings to the CEO and several VP's in the company the following message: Hello I would like to report staff at Lending Tree (Eric Barber) for using dishonest tactics when originating my loan. Not sure if there is much you can do, but at least it can be put on file.

My appraisal came in low, which is expected in these times. So I was going to just streamline my loan with my bank instead of using Lending Tree. Eric said he could still help and get me a lower rate. He told me last week the PMI would only be $75 Month for 5 years and he could get me 4.25 instead 4.5 with no additional fees or points. So when I ran the numbers in the long run it seemed to make sense. When I opened the GFE online Friday. It listed the points at 1.6 or $3518 and the PMI at approximately $90 per month for 67 months instead of 60. I worked in finance industry for a few years so I understand exactly what the GFE state. So when I contacted Eric he made a few excuses and then he said it was suppose to say .5% instead 1.6% (Even though he told me 0 on the phone) and he made an error on the PMI.

Though unhappy it still seemed to work out better in the long run so I went along with it. I have emailed and called him several times since Friday and got nothing but excuses. His Processor (Steve **) today even went as far as to tell me that the $3518 included the origination fee, which you can obviously see is totally separate on the GFE. At this point I am probably just going to streamline with my bank. My only reason for drawing attention to this matter is because I believe they are being deceitful, and many people can be taken by this illegitimate business practice.

Customer #4602489A Mr. ** was nice enough to respond a stated the following in his email on 10/19/10.

When I returned from work 10/19 I received one from Mr. Billy ** (Eric's Manager) "Hello Mr. Robert, Let me first start by apologizing for the perceived and probable lack of customer service and explanations. I've been able to do some digging on your loan and believe I've found the issues/problems. Desired Resolution: Please let me know when you have a moment to discuss, for I've already tried and left messages on both your home and cell numbers.

Thank you for your time and I look forward to speaking with you shortly. Billy "I received another email from the processor Steve ** stating that the new disclosures were ready. When I went over the disclosures it appeared the PMI was now approximately $112 instead of the $90 or initial $75. I emailed this fact to Mr. Steve who said he would have Eric ** call me. This morning I spoke with Billy ** the manager. He apologized for all the mistakes with the loan. I told him if it wasn't deceit, then it was blatant incompetence on the part of the staff. I told him that as a manager he should use this as a learning experience, but that anytime staff offers a loan rate, PMI, and terms it should be abided by as long as the borrower meets his obligations.

I also told him that I wasted a week of my time now trying to refi with them instead of just streamlining with my bank. It has caused unnecessary stress and the fairest way to fix the problem would be to give me the initial offer at 4.25% for 30yrs with no additional points and $75 a month in PMI. He stated that this was not possible. He stated he could give negative points at -.125 to save costs on my end but the rate would be 4.375% and raise my payment approximately $16. This of course made no sense to me. When I asked about the even higher PMI. He said that Eric "accidentally" put in a loan to value ratio of 85% instead of 87%. So the PMI was even higher now at $112. This even after I asked Eric several times when we first went over the loan terms that the PMI would only be $75 at which point we also agreed that the current LTV was 87% and he sated this would have no effect on the PMI cost. Also be advised that all phone calls claim to be recorded and this could be subpoenaed if any further legal action is brought fourth. Not only could this loan of cost me thousands more then stated over its lifetime, their deceit and/or incompetence could be costing unknowing customers 100's of millions of dollars. This even after stricter laws and regulations were put in place after all the predatory lending practices.

Seems like a track record at LT. Anyone know a good class action lawyer. Also file a complaint with the Charlotte NC BBB that is where there home office is http://charlotte.app.bbb.org. To make a long story short I was told several things on the phone that were not reflected in disclosures. Every time I called them on it they either said it was a computer glitch or they made a mistake. To me it was blatant dishonesty. I emailed every VP and even the CEO. One VP got back to me and said he would have some1 call me. One of the managers called me and his way to fix the problem was to take off the points I was told I wasn't being charged in the first place and raise the rate and payment of the loan.

I am stuck with Lending Tree. I can't get my $400.00 back. I started talking to them on 09/27/10. This is one of my email message I sent to Michael ** of Lending Tree:

I have work with your company before in the past. This is my third time coming back. After this experience, I am not coming back! I have originally started this loan with an understanding of paying no point, no appraisal fees, no PMI and going with the HAMP process program. Somehow, this lady named Veronica, got me locked in with a fixed rate, paying points and appraisal fees, which I did not agree too! She would not correct it and kept my $400.00 deposit, stating that she could not give me a correct Good Faith Estimate with the correct figures or my deposit back!

Next thing I know, my application is forwarded to another person, Jessica **, without resolving my questions I have ask a week ago. Also, I received a packet in the mail of my copies of the disclosures of the wrong amounts and a letter stating that my application was incomplete? How can it be incomplete if I have not even started the process!

There were numerous times she stated to call back after 6:00 p.m. and she was not there to answer my questions, stating she has to pick up her kids. If she could of told me that, she would not be in her office that day, I would of not trying to leave a ton of messages expecting for a return phone call. I work during the hours when your company is open. I am at work, so trying to make this whole process work but it is impossible! This whole experience has been a night mare! I have gone through refinance process numerous times in the pass and never, I mean never had this bad of an experience! I will get a hold on my lawyer on this whole painful ordeal on how I was "run through the wash" process without any clarifications or understanding.

Your company will be hearing from Haffar & Associates Law Firm in San Diego, where my lawyer will be contacting you if I don't receive my deposit back in the next few days! I am so upset that I can't spell straight!

I sent that letter to Lending Tree on 10/18/10 regarding to the New Revised Amount. The first quote was $6,600, it went up to $9,000 for closing a week later. This is just the tip of the iceberg! Can someone help me!

On or about 08/9/2010, I applied by phone to Lending Tree for a re-finance of my home loan. I called Justin ** at ** and provided him with the information he requested for the loan. He stated he needed the documentation such as tax, recent 1040s, retirement amount, assets, pay stubs, etc. I sent the documentation as requested. He advised me with the information I provided by phone was pre-approved and they would process the information further upon receipt of the documentation.

On 08/12/10, Justin responded to me via e-mail and stated everything was approved but they would need an appraisal to complete the loan. When we applied we asked for a higher amount so that we could pay off other debt adding it to the home. Justin stated this would be no problem so long as the appraisal came in at around $185,000; otherwise, they would only be able to re-finance the loan for the lower interest rate.

I provided the credit card number to pay for appraisal. On 08/18/10, Charles ** stepped in and stated he will now be primary contact for loan. He provided the phone number of ** and provided a closing date of 09/03/10.

Between 08/18/10 and 08/30/10 I had no contact, so I called and left a message and could not get an answer since closing was up-coming on 09/03/10. I never received any response until. On 09/08/10, Charles then requested our insurance declaration page for insurance so they could request change to mortgage policy. We provided that information as well. I responded stating I provided the information in packet. He stated he didn't have all of the paperwork, so I provided insurance agent name, address and phone number. Charles responded stating information was received. During a phone call with Charles I was told the closing date changed and I would be contacted.

On 09/09/10, Justin stated in an e-mail that the insurance document was processed. On 09/11/10, Justin sent an e-mail stating loan was updated and I could go on to my status but never sent or provided a password to do so.

On 09/26/10, I sent e-mail to Justin asking of status of closing. On 09/27/10, Justin responded via e-mail that the debt to income ratio was too high loan did not go through. I responded to there poor performance in a nasty e-mail requesting refund on the appraisal. Justin responded they will request refund.

During this time my home insurance lapsed because Lending Tree did not conduct the necessary change to keep it active; thus I had to pay higher insurance due to laps of coverage. Nearly $500.00 more in some cases. In addition, I paid $400.00 for an appraisal that I never received a copy of.

I was going to use L.T. for a refinance on a rental property. The appraisal came in as expected but with notes about things this woman knew nothing about. L.T. was going to make me pay for a structural engineers report after dragging this process out for two months. I am out a 400.00 appraisal and much time and effort on my part.

We started in June 2010 and finally had to ask for our appraisal which we paid for (appraiser had two bathrooms on our appraisal and we have three full bathrooms). This refinance was "snake bit" from the start and I do not know if the processor has worked for long but she kept dropping the ball. We started out getting approved for a conventional then Brian wanted to restructure to a FHA because the rate was lower. We should have closed in August 2010 but no, so that's why I did not pay my August payment processor and Brian kept saying we may close this afternoon or first of next week and this went on and on.

So finally, we told them to send us the ** appraisal we paid for so we could go to another mortgage to get refinanced because Lending Tree doesn't know their head from their ** and the origination fees are way too much, so we are calling the local head office and file complaint against Lending Tree!

I, too, recently dealt with Lending Tree and had many of the same issues. No contact whatsoever, no answers or solutions when I did get a hold of someone. They also took my appraisal fee and then came back and said I need to be at my job 6 more months before I can be approved per some new FHA guideline. Well, I contacted FHA directly and it isn't even a guideline. So they lied to me and won't approve me for 6 months, yet here I sit, out $400 for a useless appraisal. Has any of you tried contacting the BBB? They have an A+ rating. I will be contacting them. I wonder if you all did too, if that would help at all.

On our initial conversation, I was asked if I had a second mortgage and I said that I did not know. Cisco said that from what he could tell, there was no other mortgage on the loan. He charged my credit card $600 and after that point, communication was sparse. I kept asking for closing costs but no response. I kept asking for a close date; no response. I was finally told that my loan was approved. Then, as I kept seeking closing costs, Cisco said that there was indeed a second mortgage. He offered no other solution, etc.

I went to the supervisors telling them that I no longer trusted Cisco and wanted a refund as communication was poor and I was told no. I asked for transcripts or copies of recordings and was told no and said that it was used for training only yet they used them to tell me no. I asked for specific procedures to file a complaint to get my $600 returned and no response. I asked for a different account manager but no response.

How do they continue getting away with things like this? I'm determined to get my $600 returned.

My appraisal came back with inaccurate information also. Lending Tree took my 600 dollars for the bad appraisal, and said that they could not get mortgage insurance to cover the property. Of course, they did not call to inform me of this until the Friday before my closing date; they had loan paperwork for over 6 weeks. My Realtor sent them more comps & actual facts/figures to them but there has been no resolution. It's awful bad business. I would not recommend doing business with this company!

I canceled our application with them 4 business days before closing day since nothing was resolved. They told me that the appraisal fee is non-refundable. Therefore, I paid $600 for nothing. I asked for a manager to reconsider refunding my $600 under the circumstances but heard nothing back from any manager, just an email that they would cancel my application and that they would not refund any of my money. This is a very poor company & service. I would advise everyone to stay away from this company, we chose them for convenience but convenience it was not.

I ended up having to get a temporary loan from a local vendor, then had to pay double fees because of the short notice they gave me and by doing it this way. Also, I had to pay for a new appraisal as they could not re-use the bad appraisal from Lending Tree. My new local lender could not believe that LT would be able to keep the appraisal fee. Laws must be different in California? Also, the local lender was surprised that LT interest rate was over .5% higher. We thought that the rates were supposed to be better with them since they advertise that over 5 companies compete for your business.

Last week I was contacted by a Lending Tree associate to go over my loan application. At that time, he requested that I provide him with a credit card number for a $400 appraisal fee. I immediately told him that I still had a bathroom to finish remodeling in my house, before I could pay for the appraisal. He then informed me that I could wait until the bathroom was completed before I pay for the appraisal and stated that he still needed a credit card for a fee of around $6.00 or so for processing fees or something.

Today I logged into my bank account to find out that I have a withdrawal in the amount of $400 pending. I called into their office and spoke with Brian **. He informed me that the money would be refunded back into my account within 7 days. Now I have to wait a week to get my money back, that I needed to use to finish my bathroom and pay some bills.

That is highly unprofessional and unacceptable. I requested that they send me a transcript of the phone call in which my credit card information was recorded and immediately cancel my loan request. Brian ** was extremely rude and highly unprofessional when speaking to me on the phone about this matter. My advice is to steer clear of Lending Tree.

I had an experience much like the ones listed above. I have been working hard to get my credit score up and finally got it up. I currently had a high interest rate mortgage and thought it was time to refinance. Everything went well with the loan and then it was time to get the appraisal. I had the house appraised 12 months ago for $250,000. Since then, I have put a new central heating and air unit in the house, had an $11,000 deck put around the pool and spent $80,000 on renovating the kitchen. The appraisal from Lending Tree came in at $210,000! I know the housing market is depressed, but come on, what a scam. I do plan on disputing the $500 fee they billed. Stay clear of Lending Tree.

I applied for a refinance via the website, thinking that I would shop around. I almost immediately received a call from a loan broker who was insistent that I pay the $400 appraisal fee in order to "lock in the interest rate." When I received papers from them, the amounts entered were fraudulent. The value of the house was inflated by over $100,000; my liquid assets were out of thin air and had never even been discussed. I emailed back that I had no idea where they got these figures, but what they did is completely wrong. I suppose that I have been rooked out of the $400, which hit my bank a day before it was supposed to. I have had to change my bank account to get away from these people. I have lost $400 for an appraisal for a loan that upfront would never happen because I will not be party to fraud. The appraisal will not happen, by the way; so that is just money lost.

My appraisal came back with inaccurate information...2 bedrooms instead of 3. Lending Tree took my $400 dollars for the appraisal, but refuse to have the appraisal fixed. They just told me there was nothing they could do. Very bad business. I would not recommend doing business with this company! I did not get what I paid for, and there is no recourse to get the appraisal redone or any money refunded.

I got the same spamming treatment as others have reported here. Don't use them unless you enjoy sorting through loads of junk mail to find real messages.

I felt the broker was untruthful and realized that I was paying unnecessary fees with their loan application and wanted out, per the legal agreement. Lendingtree finally quit emailing me but they went ahead and proceeded to debit my credit card the $600 application fee 3 days later and now I have to go through the formal dispute process with my financial institution. They had no right to charge my card in the first place according to their agreement and now its 10 days later and I still have not been credited back the funds.

Don't deal with them, they are crooks and will charge you excessive unnecessary fees for your refinancing and then debit your credit card without reason. If you looking to refinance, please read about the following government program available, it will save you money and let you know your rights. You do not need to pay PMI even if you do not have a 80% equity stake in your home. Needing to dispute a $600 charge on my credit card that should not have been charged.

I contacted LENDINGTREE, spoke to a customer service rep and they told me the only thing they could do was to change the email, so I gave them an email I haven't used in 3 years for this very same reason. I explained my situation to him, asked that a manager call me back by 5pm with a soultion as to how this can be stopped. Low and behold at 1pm a manager actually called me and says the following " we don't sell or give your email to anyone", it must have been done by the credit reporting agencys.

As of 1pm yesterday my quest to make the world aware of exactly what you get when you deal with LENDINGTREE began. The internet is a wonderful thing, LENDINGTREE can use it to solicit us, and I can use YOUTUBE and FACEBOOK and all the review sites to make the world aware that if you apply thru LENDINGTREE you may as well change your email address before you even give it to them. This is a deceptive company (reviews here aren't so hot) that you should consider staying away from, unless of course you like SPAM emails!

In early April, I contacted Lending Tree to inquire about the rates for refinancing my home loan. I spoke to a woman named Lydia who gave me a good rate with no points and told me that to get things started I would need to give her a credit card and there would be a $400 charge to my card. At that time, I told her that I wanted to go over the information with my husband before agreeing to anything. She indicated that it would be good if I could call back fairly soon because she heard that rates could be going up later that afternoon. I immediately called my husband who told me to go forward with them and I called her back within about 15 or 20 minutes.

When I got back on the phone with Lydia, her voice was hurried and she explained that she was glad I had called right back because she just found out that the rates would be going up and we had 3 minutes to get the credit card information so that I would get the rate she told me. As I was giving her my credit card information, she explained to me that she would have to charge my card $600.

At that time, I hesitated because I felt that the combination of being rushed and the charge being higher than she originally told me felt fishy. She sensed my hesitation and explained that in order for the charge to be $400, she would need a supervisor's approval and there was no time for that as we only had minutes to get it in. If I would agree to the $600 there would be no need for the approval. I reluctantly agreed but didn't feel good about it. At that point, the paperwork process began. Lydia had me fill out some paperwork in order to get an appraisal of our home and the appraisal seemed rushed. The appraiser was calling and e-mailing daily in order to set up a time to get it done.

The house was appraised at $365,000 which we thought was a good appraisal. So we were only asking for a little more than half the value of the home in a loan. This is when the nightmare began.

I started to deal with someone named Kym who was asking for our paperwork including tax returns, pay stubs, etc. Kym began to indicate that our debt to income ratio was too high. She never reviewed our tax forms completely because she made the determination that we did not qualify long before we even had the opportunity to get her tax returns for a number of the partnerships. I asked her numerous questions about how she was calculating these debts and income which she did not answer. I asked her if she was including depreciation in those figures and she would not give me a straight answer. At one point, she told me that my monthly debts were $5654 and my income was $7139. She told me at the same time that my debts for one partnership per month were over $4,000. This was a partnership in which we never paid a dime out of our personal funds because there was rental income that covered the expenses.

I was totally floored when she then informed me the following day that our debt to income ratio was around 1535%. Yes, one thousand five hundred and thirty five percent and the maximum debt to income ratio they could accept was 45%. I, of course, told her that she was insane and that if we had a debt to income ratio that high, we would be totally broke and bankrupt and would not be enjoying a good credit rating and a net worth that we have. Everything I tried to talk to her about fell on deaf ears. They had already decided that they would not be approving our loan.

And to sum it up, of course, we now have an appraisal that is likely useless and a fee of $600 that we are being told is not refundable. There was no need for an appraisal, and thus the charge for the appraisal, that early in the process. We could have waited until after they reviewed our debts and income. I am furious and I wish I had read the complaints about Lending Tree before ever involving myself with them. I am going to try to dispute the charge to my credit card. Loss of $600 plus hours of my time.

We called Chase to see what kind of rates were available if we refinance our home. Please note this was nothing more than an inquiry to see what we qualified for. They told us that the "Home Loan Center" handles those requests for them. After finally getting called back, it was actually Lending Tree. The rep seemed very nice and helpful. I provided him with our income information and he checked our credit. He then gave me the rate we qualified for, the proposed new monthly payment and all this information that sounded great. Then he said, "I have looked online and your house should appraise for $xxx,xxx. So I am going to send you a form and you will need to fill out your credit card information and send it back. It will be charged $400 and we will send an appraiser out to get the process started". At that point, I told him I would get back to him.

I wasn't comfortable sending him my credit card information and our last appraisal didn't cost $400. So I contacted him the next day and told him we wanted him to "close our file", we had changed our mind. From that point on, our rep just wasn't as friendly. The following week, we received a letter from Lending Tree "Statement of Credit Denial, Termination or Change" saying they "regret they cannot approve our loan at this time due to insufficient funds to close". They had already given us our new rate, new monthly payment amount, sent us all the paperwork (none of which did we return), etc. We are the ones who cancelled the request.

My husband's credit score is over 800 and he pays all his credit cards in full every month. The denial said his "balance was too high". My credit cards I have had open 7-17 years and my reason said "length of time accounts have been established". The other interesting thing is I had just had my credit report ran with all three national agencies and knew what my score was. The Lending Tree rep told me it was about 30 points higher than it actually is. Don't trust these people!

Rate advertised false. Rate shown as under 3.75%. I have excellent credit, FICO 770, Debt to equity on first mortgage. Lots of phone calls, some from different or the same people in the same firm.

I provided all my information. I explained what I wanted. I was promised a quote. A week later, no quote. I called back, I was promised again a quote will be forwarded. No quote. A week later, a new guy calls and asks again for info. I advised him to refer to the notes to the first guy and email me a quote. Two weeks later, no quote. Unprofessional people. I will not deal with them even if they offered a lower rate. Not worth the pain.

After contacting Lending Tree and giving them the information that they wanted, I was told that everything was a go. They told me that they needed $400 to start the process. Things were going just fine until they told me that I was not approved. They have told me that I would not get my $400 back because they had tried to get me approved and that there is nothing I can do about it.

$400 means a lot to me. I am on disability due to liver transplant and it would cover a lot of my medicines.

I applied for a loan a few years ago and they never got one quote. So I tried them again a few days ago, and more of the same. They can't promise anything. Don't expect any kind of response because they can't deliver. Just a bunch of ** to get you to visit their site. Don't waste your time and effort. No loan quotes at all, just a bunch of empty promises.

I filled out an application online for a used auto loan. I have good credit. Lending Tree responded two days later, telling me that no lender has picked up or reviewed my credit or my application! They went on to say that they do not know why and I believe that by law, I need an explanation at least as to why they could not get at least one lender to even look at my application. Ridiculous! I fear that now, they are going to continue trying to sell me on other product services that I do not want or need and sell my personal information to a third party, potentially risking my credit with identity theft.

We were looking at new homes and found one that we liked .We decided we should get pre-approved for a loan before we went further. We applied for a loan for the amount of the asking price on the home we liked. We were approved for the asking price with a 30,000 dollar down payment.

We then made an offer on the home, it was accepted for 10,000 dollars less than what we had been approved for. We started the loan process, sent all the information they asked for along with a 600.00 dollar payment to lock in our interest rate. Everything was a go for the next 2 weeks, the house was appraised and everything was fine. Our real estate agent called and we were set to sign papers on the 29th of January.

On January 20, they called us and said they had changed their mind that our debt to income ratio was too high even though we don't owe any money to anyone. We had co-signed some student loans for our sons and we're responsible for them. I have no problem with them turning us down and we were able to easily get a loan with our home town bank but I think they were dishonest about the way they did it and were only out to get what money they could from us.

Much like many of the other complaints with Lending Tree, they grossly mislead me on the closing costs ($3k vs. $7k), but that appears to be typical. What I would like to add is how they handled my appraisal. I set up an appraisal with one of their approved appraisers and he came in with a number (a little based on my comps, but that certainly isn't my complaint). After spending over 20 days in underwriting, they came back and stated they didn't agree with the appraisal and reduced it by $40K.

I was told that based on their model (something similar to Zillow is my understanding) my house was worth nothing close to what their own appraiser came up with. Of course this means that I now qualified for a greatly decreased loan (although every fee remained the same). How can someone in a completely different state and who has never even seen my house disagree with their approved appraiser? Go with a local company and don't waste your money with these scammers. I lost my $600 for their "service".

I caught my ear to hear that Lending Tree is supporting NPR (National Public Radio). Lot's of good, honest programs, so I wrongly drew the conclusion that this company would also be honest and upfront. Wrong!

At least, they didn't offer (bait and switch) any loans. Why, because I am retired and don't make enough. Although, I own some units and have all that rental income, a 820+ credit score and about 33% down payment. I can't get a response from them and can't get a loan. Do not do business with these guys no matter who they support!

Whether incompetence or outright shysters, Lending Tree kept moving at a snail's pace and adding on extra cost. We started with numerous inaccurate good faith estimates, broker claiming that my emails went to her junk box, but that doesn't explain her voice mail box. Then, they proceeded to obtaining the appraisal from a non-FHA approved appraiser, extra costs of subordination, more delays--then, to be surprised by having to pay an additional $2,600 for the points.

Applied for a loan of course we had to pay the $400 lock in rate fee. Apprasied my house with the people they sent out. House apprasied for $175,000 we were wanting to refiance for $125,000. We called everything was going great. We had the closing. We waited the 3 days to get our money. On the fouth day called our bank to see if they had paid off our loan. No such luck.

We called On Kim the banker she said I have some bad news after review house would not appraise for enough only $140,000. I did not know after you have a closing and sign everything they can change their mind. They did not even tell us until we called to check on things. The best part they changed our insurance over into their name to collect if something should happen to our home . They never did fix it we had to. Do not do bussiness with them SCAM.

Contacted Lending Tree about a home refinance. Explained my concern that the appraisal would not match my tax appraisal of 211,000. Lending Tree charged 600.00 to my Credit Card and the appraisal did not come in high enough for a loan at 170,000. Problem was, the person I spoke to at Lending Tree told me he had closed 32 loans in Georgia and not one of them had appraised lower than the county tax appraisal. Funny, I am the only one in the State he had closed where the appraisal did not match!!

DO NOT use this company. They will tell you all the right things on the phone and stick it to you once they have your credit card information. I am disputing the 600.00 charge, the appraisal only cost 350.00, I have the bill from the appraisor. I am willing to reluctantly pay the 350.00, but 600.00? For WHAT?

I believe these refinances are a scam on the American Public. These companies have stolen millions in fees and stimulus money from the Government, all for nothing!

To say that I am unhappy with LendingTree is an understatement. I have never experienced a complete breakdown in a team's ability to do the most basic aspect their job. The first error occurred when our Lending Consultant Pedro misquoted us an appraisal for the property as $228,000 when it should have been for $250,000. Paperwork was generated, which was signed by ourselves and the sellers. Thankfully our Realtor Nicole caught this mistake, and new paperwork was generated to reflect the current value. We got an email from Debbi, our loan processor, asking for the documents to be resigned by ourselves and the seller which we did. After receiving the documents, Debbi asked that the FHA addendum be post dated, but she never clarified the specific date we needed to reference. This caused us to do an new amendment and a third signing between ourselves and the sellers.

We were given an Escrow close date of 11/18, and we had the final meeting with the sellers before they moved out of state thinking that everything was on track.

Preparations by ourselves have been made to move in on the 26th of November. We gave notice to our apartment complex that we would be out on the 1st. Our belongings have been packed up, we were prepping the house for paint, then we get an email from Debbi at 6:30 on a Friday night (while we are in the process of moving). It was a three sentence email stating that LendingTree would only give us a loan for 211k based upon the appraisal, and asked if arrangements can be made with the sellers to agree to losing 40k on their house. Her email was like many previous emails, no details as far as our options. I equate her emails to going to a doctors office and he tells you you have cancer then walks out the door. No details, no options, a lack of consideration that we do not know what this means. There has been no explanation of where this number came from. I pray that she did not give me a misquote of the appraisal because we were misquoted already from Pedro, but at least he admitted to the mistake.

I am livid at the mistakes made by Debbi and the LendingTree team. At this point we are forced to go through another lender and start over again because of my lack of faith Lending Tree can do the most basics of their job functions. This switch will cost us weeks of our time, thousands of dollars, an unmeasurable amount of stress between ourselves and the selling party. As I had mentioned before, we gave notice to our apartment complex that we would be out on the 1st, as a result our apartment complex has already leased our place out to new tenants; so it looks like my wife, 1 year old daughter, and I are going to move at the end of the month. The problem is, we're not sure where.

We decided to refinance an investment property, had a locked rate with Lending Tree and received GFE from one Stephen C. We went through all the hoops of providing full documentation (which Mr. C lost the first time - pretty scary stuff) and paid the $600. Long story short - the closing was late and then when I did receive the paperwork just 2 days prior to closing everything was changed- the rate, the fees, charges, everything.

I also sent a message to their customer relations department but it's probably in the "round file" already.

I locked a rate on Sept 30,2009. On Fri.Oct 23, 2009 i was called to schedule signing on the close for funding payout prior to Oct. 30 expiration. We arranged Mon. Oct. 26th. Abrubtly they called & said they needed to have the appraisal adjusted. We scheduled again (once this came thru)for Oct. 29, 2009 to sign. Suddenly the morning of Oct 29 I receive email of new documents with an INCREASED fixed rate and another substantial increase in fees. (all this without my knowledge/awareness or approval) it went from 4.5 fixed w/appr. 7000.00 in fees to 4.625 w/ approx 10000.00 in fees! is this typical and legal? Please HELP...

I applied For a Loan, with Lending Tree.com About two days later, I got an email from them telling me that they were unable to match me with a lender.So I called them to ask why they were unable to match me a lender.they were unable to tell me way. At this time I ask the Rep to provide me with letters from all of the Lenders that works with them, way they were unable to help me with a loan. The Lending tree Superviser refused to do this. The Law states thatr if a person is turn down for any reson by a Financial Company, They must by Law tell you why. Lending Tree refused to provied this info.

Have promised to pay on several occasions and have been unresponsive to requests for a firm date for payment.

I applied for a mortgage from a Lending Tree and asked them to send me a Good Faith Estimate (GFE). The estimate that I received from Joe looked very good at first glance but was actually much worse compared to all other estimates I obtained. I believe that Joe intentionally misrepresented several facts which became obvious when I confronted him during our phone conversation. For example, as part of closing costs he did not include any taxes (city/county/state) and said that those charges are not paid to Lending Tree. That is true, but all other lenders did include those charges (at least estimates) so that we borrowers have a clear picture as to what to expect at closing. When I told Joe that I was getting much lower rates from several lenders for a specific date he first told me that was impossible and the quotes that I got from the Internet shouldn't be trusted. When I told him that I also talked to lenders on the phone and they faxed me those rates as part of GFE he became very rude and just said "Well, then go with them." I talked to Joe several times and on every single day I inquired about the rates, the Lending Tree rates were SIGNIFICANTLY higher compared to other lenders (on average 0.5 percent). I successfully closed on our new house the other week using a lender I found on the Internet and I am glad that we didn't use the Lending Tree.

We have approached Lending Tree about this. They have not been helpful at all.

Continued car payments 725 a month. Added home Insurance 1.100 for the year. Old mortgage was 209.000. Amount financed 47.000. (would be 256.000) At closing the total amount was 273.000 That looks like 17.000 in closing costs...

I feel I was scammed by Lending Tree. I received an advertising letter from Lending Tree stating I could refinance my home for a 30 year fix interest rate of 4.35%. I gave Lending Tree a call and talked to someone who stated their name was Rhey. Rhey stated that the interest rates were climbing, and that he may still be able to get the 4.35%, if I qualified, but we would need to act fast.

I gave Rhey mine and my wife's social security numbers and work history. He asked me what my house is worth, and I said I haven't a clue, I told him that my neighbor sold his house about a year ago for 540,000, but I am sure that the value has dropped tremendously within the last year. He said no problem that as part of the loan process he would send an appraiser out within the next few days to give an accurate appraisal. I told him I would get back to him.

The following day he called me back and told me he pulled my credit reports, and that it was very good, he stated I should have no problem in lowering my monthly payments by about $300 a month. He also stated that the interest was starting to go up fast and that by tomorrow it will probable increase, unless I lock it in today with a deposit of $600.00 as a lock agreement that will be refunded in the loan.

After hearing the statement that is printed on the locking disclosure statement "In the event that Lender is not able to close this loan and all of your documentation and information supports and is consistent with the data you provided Lender during the application process, then you will receive a refund of your lock-in fee."

I agreed over the phone and was sent a pre printed 30 Day Lock-In Disclosure & Agreement. I had a concerned with the statement stating my house was worth $540,000. I call back and stated that I did not believe the numbers were correct on the disclosure. The office manager Geo called me back and told me not to worry everything was OK and that the appraiser would be out of the next business day (Monday) and that the value of the house would be adjusted based on the appraisers' numbers. The appraiser spent about 5 minimums on a walk around and left.

Two days later I was told that the loan was denied because the house was appraised low. The house value was based on the average of two bank foreclosures within one mile from my house. Lending Tree denied my loan based on appraised value of home was less that stated value locking disclosure. I was totally scammed. I bought this house ten years ago when prices were relatively low. The loan to value is low even with the bogus appraisal. Anyone wishing to use my testimony in a class action law suit or needs me to testify in court, please send me an e-mail, and I will be glad to help. This type of rip off needs to be stopped!

I've left numerous messages with the broker that handled my loan process and have receive no calls back. I'm very upset and I feel that they've scammed me out of our hard earned money. I really thought that they were reputable company. But now I know how down right deceiving some companies are and I'll not recommend Lending Tree to anyone. I'm still leaving messages with the broker and I will continue to do so until I get some answers.

they called me and stated that my loan was approve for 5,000.oo dolares,that all i needed was 299.00 for the first and last payment,and when they recieved that,they would send me the money to my bank, so i send the money by western union,i called them and they saidthey would send me the money,iwaited another day they called and told me they had stop the check because i wash high risk loan and they needed 150.00,to put that money on savings so i send the money,next they call me and they wanted 400.00 dollares for taxes that i owe to irs.they told me to send them the money and they would sended to irs and they would send me the loan the the bank.until this day i have not heard from them again,i tried calling them and they won't answer.it has been three week of this date 9-7-09.

I paid LendingTree 600.00 to lock in my interest rate. When the appraisal on my house came in, it was way under the value of my house. I called my lender several times after LendingTree sent me a letter stating that they had turned down my loan.

I called then again, and LendingTree stated that the person who had handled my loan had left company. I was transferred to several different people; no one would take my call. I finally was told today that I would not get my 600.00 back.

LendingTree has the worst customer service that I have ever seen. I will never do business with this company and will tell everyone not to trust them. I feel that I was scammed and lied to by LendingTree. I lost my 600.00 deposit

I submitted a request through Lending Tree to refinance my current Mortgage. I have a 5/1 ARM which expires Feb 2010 and I need to change that soon. From the beginning I told the loan officer that I don't have available funds for closing costs. Greg R. called me from NBKS to start the application process. From the beginning, the total closing costs he gave me changed on a week to week basis. On the day of closing, 8/7/9, within an hour it increased again twice. I went from having no closing costs to $3300.00 to $3800.00 to $5800.00- again the last two within an hour on the day of closing. He did not communicate any of these monetary requirements until the last possible moment.

July 17th is when I filled-out the application with him and he told me there would not be any closing costs- it would be built into the loan. July 29th he called and said I would need $3300.00 in my checking account by that Friday, July 31st- with a statment from my checking account showing the closing balance. In addition to not paying my Aug. mortgage loan (which he told me not to because the payoff would cover that and other refunds I had received, I had sell items very quickly to have those funds in my checking account. Then on Friday he told me that a screen print wouldn't work that I would need a 30 day statement showing the funds avaiable.

On 08/05/09, we changed my interest rate to get a $2000.00 credit towards closing but he called again on 08/07/09 @11:30 am to say more money was required. Then he sent another email around noon that because I was supposed to skip the October payment as well (which he just told me about in an email @11:45 am) that there would be another additional amount on top of the closing costs! The anxiety in getting all the paperwork and finding the money for these magically appearing closing costs have caused a lot of problems for me financially.

One of the worst customer service experiences from someone very willing to take my money.

They give you hope, charge the money up front then deny your loan. An appraisal is just a idea of what your house is actually worth.

I filled out a form 3 years ago and im sorry i actually put my phone number and email down. Since then I have recieved over 150 calls and they just do not stop. I have tried everything to get them to stop calling but they keep selling my name - do NOT give them your info unless your ready to cancel your phone service after you do!!

I could not complete the closing process because of some very deceptive technique. They are very eager to get my application process, but once they got all the information, they would hurry up trying to close the loan without letting you know all the details. It was a cash-out refinancing. First, they told me that I can just take the cash to pay off another loan without closing it. But when it was time to sign the paper, suddenly there was a piece of paper that I must sign to authorize the closing my previous loan. Throughout the process, I was the only person initiate the loan and submit all the documentation and then suddenly at the signing process, they asked for my spouse to sign all the paper works along with me. Also, don't trust the appraiser! If you have a trustworthy certified appraiser, they would not let you use that. They sent their own appraiser.

In April we applied for a refinance. After appraisal, the numbers worked out better for us to go FHA. Glenn tried to put us into a conventional requiring mortgage insurance even though an FHA loan saved us $5000 over the life of the loan. I requested an FHA. After 3 months of now being in their system, it looks like they are either stalling until the interest rates go up, or just dragging me along for the $600. They've stopped answering emails & dodging requests for "where we are" in the process. This is somewhat disappointing as we obtained our existing mortgage through Lending Tree 3 years ago with problem. Alas all good things must end.

Yesterday, I had to cancel a refinance because of what I believe to be deceptive information from Marc and Karyn lying to me about what I was to expect only to discover the final refinance arrangement was unacceptable. I requested that my deposit of $600 be returned because of a very poor and negligent appraisal of my home that started the events that led to lies from both Marc and Karyn leading me on to get as far as I did, then finally telling me the truth about the loan that I could not accept.

Yes, I do have evidence that demonstrates the appraisal was negligent at best, and that Marc and Karyn were both very interested in assisting me with the refinance in the beginning, only to develop an apathetic attitude and could care less whether I went forward with the loan or not since they already had my deposit, a deposit that they had no intention on returning regardless of the circumstances. Their blatant lies to me to stay with the process so I'd loose the deposit in the end is not only illegal, but unethical at the very least.

There's a lot more to this, and I'm prepared to take this as far as necessary to recover my $600 and find someone else to refinance my home with who will be honest with all the details and not sucker me into an unacceptable loan and stealing $600 in the process.

lending tree call and want me to tell them the much my house payment was they said i call them i did not call they got pushey

Today, June 18, I received a notice from our credit monitoring company that a loan company had requested personal information about my husband. Under NO circumstance, did we authorize Lending Tree to check our credit information. Because of the inquiry, my husband's credit score has lost a few points. He is still in the "Excellent" range but what Lending Tree did was unacceptable.

I paid Lending Tree $600.00 to lock in my interest rate. When the deal to buy the home fell through, I could not get any of the money back. They claimed it was company policy and that I could only get the money credited for a future transaction with them. This was not divulged when I paid them the money.

I was refinancing my home so I called LT. They offered me a good rate so I paid the $600 fee to lock in the rate. I was assigned a case manager who was handling my loan. I sent them all of my documents and was told they would contact me with my closing info.

I called them after I had not heard from them for about a week and was told that my case manager was no longer with the company and they would assign me a new case manager. At this point we were almost two weeks into the process and they needed me to re-send all of the paperwork to them. I quickly sent all of the info they needed back to them because it was getting close to the 30 day deadline. By now it was approaching 3 weeks into the process.

I called back to check the status and was told that my 2nd case manager was no longer with the company and was assigned a 3rd case manager who told me "it is to late to close before the 30 day deadline". I was then told I would have to pay $250 to get an extension. I refused to pay an extra $250 for a problem that was not my fault.

I spoke with a couple of supervisors who refused to wave the fee or refund my $600. I went to my local bank refinanced quickly with no problems. I was out $600 because LT had an employee problem.

I applied for a refinancing loan on two houses.They locked in the rate offered (for 90 days). I supplied them all the info they required immediatly and gave them $1200 up front. I waited for nearly 5 months. Nothing happened. I decided I had waited long enough. I told them to just give me my money back and forget the deal. The lock-in had expired anyway.

I was told I was the cause of the no loan and it was therefore their money. I was told I delayed their moving forward because I was unavailable--"They had called me and I had not returned their call". I have an answering recorder on all my phones and there was never a message that I didn't answer right away. I wanted these loans! I'm out $1200 and nearly 5 months.

Sunday afternoon, May 31, 2009, I began to recieve phone calls from agents of Lending Tree. They told me that I had filled out a form to ask for a loan. The agents had my name, address, phone #, and also had some inaccurate information that they claimed was my SS#, the amount of money I have in the bank, and my birth date, etc. I have not ever contacted Lending Tree for any purpose and I want these calls to stop.

Lending Tree was going to charge me $600 to lock in a rate. I have never been charged to lock in a rate! My instincts told me this was not right! Never give money upfront for "closing cost"!!

1. First of all, the person I was working with was not up front with me about all the documentation I would need to provide the lender in order to qualify for the loan. The original checklist that was sent did not include requirements to provide HUD-1 forms on previous loans. This was brought to my attention about a week into the process. I was told that these were required to prove I had never taken any cash out on the house in the three times I had refinanced the second loan (which all three times were to get a better interest rate). Lending Tree had me running around trying to find this specific form that I was told I had to have or the loan would not go through. I called all three banks and they thought I was crazy. These forms only existed on the original loan on the house. The person I was working with was very adamant that I should have gotten a HUD-1 form each time I refinanced, but that is not the case. This tells me he has no idea what he is talking about. Additionally, when I tried to understand the purpose of all of this, no one could explain it to me. I just kept being told, Its a rule. Well thats not good enough and ignoring a customers request for information is not acceptable.

2. There were too many people from Lending Tree calling me. I spoke with four different people regarding my loan. I was working with a customer service person the most. Then someone from the escrow department called me telling me I needed to call my bank to have them send a payoff to Lending Tree. I couldnt even understand this guy as he did not speak very clearly. Then I had someone calling me saying she was my loan processor and that I would no longer be working with the customer service rep. When I started feeling like I needed to cancel this loan because I was losing trust in the company, the supervisor called me and said that the customer service rep was my point of contact throughout the whole process. It was like no one was talking to anyone else, they were just shuffling my paperwork around. I didnt appreciate having so many different people calling me because when I would ask a question about my loan to one person, they didnt know and said I would need to speak to one of the others. It was very confusing and frustrating.

3. When I had finally had enough with the chasing of the non-existent HUD forms, not answering my questions and the multiple people calling me, I began to distrust the company so I told the loan processor that I would be cancelling the loan and gave her a brief reason for it. She did not care one iota that I was doing that, did not ask me why, did not ask if she could have a supervisor called me, nothing She said okay, she would cancel it and that was it. I dont appreciate being blown off. In order to better understand customers, you have to know why they are pulling out and taking their business elsewhere. How else do you improve business practices?

4. When the supervisor did call me, we did have a nice conversation and he apologized for some of the inconveniences that I had experienced. He encouraged me to reconsider the loan, however, he pressured me into making a decision. This was on a Friday and he wanted an answer that day. How do you pressure a customer into making a $200,000 decision in an afternoon? I have other parties involved in my loan process and it just wasnt possible. I did get back with him on Monday and I understand the time constraints, but I didnt appreciate being pressured.

5. My appraisal came in extremely low but I was told that Lending Tree could still do my loan with some minor adjustments. This was told to me by the supervisor and the customer service rep. However, I received in the mail a Fair Credit Report statement saying that Lending Tree turned me down for the loan since my appraisal came in below the necessary amount. WHAT?!?!? So now Lending Tree is telling bold faced lies!! Lending Tree did not turn me down, they were asking me to reconsider following through with the loan. I turned down and cancelled the loan process. So why is this company lying about the outcome of this process? Why would I trust this company that causes something that should be easy to be so painful in addition to lying about a customer/potential customer?

Started refinanace loan through lending tree. Initially stated closing cost would be around $6,000.00. Settlement statement shows closing to be $11,000.00. A friend just went through similar problem. He was being asked to bring $2,500 to closing ontop of the already escalated closing cost.

On 3/13 I called to inquire about the advisibility of refinancing at a lower rate. Info was exchanged and a $600 earnest fee was collected through our credit card. Asked the current home value, I said last appraisal was $165k. D Hopkins asked if I thought it might be worth $170k now. I said it might. The new appraisal came in at $160K. After refinancing fees were added we would have to buy mortgage insurance at $70 p/mo to get the new rate/payment. I felt that if LT had doen their homework they could have seen that even at $170 we would not qualify. The $600 earnest fee hurt us financially and could have been avoided. I contacted D Hopkins, J Pang, and got an email from a T DeRosa saying she would listen to the tapes and contact me. She didn't do so. I called and left a message, as well as an email. No contact. I accessed the Lending Tree consumer site. No answer. After numerous attempts to talk to someone, I feel that they just want me to go away.

I was working with a friend of mine trying to get a loan and I submitted my info through lending tree. Turns out the guy I was sent through saved me over $100 MORE each month than my friend could. Yeah, the fee was a little bit more, but he went over that with me...most of the time if you have good credit you will get matched up with a good loan officer and good loan in general. I referred 5 people to contact the guy I reached because of Lending Tree.

I saved over $250 a month!

Lending Tree charged me a deposit of $600.00 for locking the interest rate. I called them the same day I faxed them the loan application to cancel the application. I could not get a refund of the deposit. No other mortgage comapny would charge a deposit for locking the interest rate!

I used Lending Tree because they claim when banks compete, you win. Well that is just nonsence. They fail to say that Lending Tree requires the broker you finally choose to charge the customer $600 in the closing. So where is the savings? In my case I did a refinance cash out so that I could use the money to help my mother buy a house. I continually let my broker know I needed the money soon sor her closing, so when it came time for me to lock in the rate and send my documents to underwriting, they said it would take 3-4 weeks. And I only had 2 weeks left.

So they then used a different bank that could process it faster but at a higher interest rate. So in the end I had to pay an extra $1,400 to get the rate they originally promised me. And there closing cost were outragious. I paid $8,000 closing cost (not including taxes and escrow) for a $138,000 loan. I'll never use Lending Tree again and I hope word gets out how crooked they are.

Ended up paying huge closing costs which over 30 years will be even more outragious.

I wanted to refinance on my home and decided to go through Lending Tree. Bad idea! I put a deposit of $400 down to lock in may rate and also to secure an appraisal of my home. I was never made aware that the deposit was non-refundable. I was led to believe that the money would be returned if the loan fell through for any reason. I told the agent that I was doing construction on my home at the time and he said that would not be a problem. Then several months later, he calls me and tells me that the loan cannot be processed because he could not extend the loan period anymore. I asked about the refund of my $400 and he told me that he going to get the money back to me.

That was almost two years ago. I have been chasing Lending Tree ever since trying to recover my $400. I have been calling them, writing them, and even contacted Better Business Bureau about them. I was wondering if anyone else has experienced the same problem as I have. Also, if anyone is thinking of refinancing their home, do not go through Lending Tree!

I am out $400. It may not seem like a lot of money to some but it is to me! Every time I think about my situation, I get this pain and sick feeling in my stomach. I'm tired of being ripped off by these large companies that more or less, take your money and run!

I contacted lending through continental web site to apply for access to a real estate agent being promised milage credits for a home I was going to purchase using their referred real estate agent. the agent was contact, who in tern contacted me. The home was purchased and closed. No miles were ever awarded. Upon follow up contact I was told that I did not request the miles. NOT SO! DO NOT DO BUSINESS WITH LENDING TREE!

I have read all these complaints about Lendingtree and for once I am thankful I didnt fall into the trap. I did contact them like the rest of you guys did about refinancing and all I got was some clown from a company(one person office..can you say scam) who wanted to sell me on the idea of a loan modification for a paltry $2500...it took him 4 days to respond on top of that. I didn't realize until now just how much of a low life company LendingTree is. I plan to spread the word around to everyone I know NOT to deal with this company. I am sorry for all of you; I have fallen for scams before but this was one I avoided. I dont like that upfront fee of $600 either.

The 5000 dollar loan was suppose to be wired to our checking acount the next business day. That did not happen. I spoke with Barbara again and she said that due to my credit not being so great that I would need to wire an additional 780 for insurance to secure the loan. She said they are an affiliate of The Lending Tree. The fax letter head has the lending tree logo on it. I called the lending tree and was told that this is a scam and this is not part of the lending tree or has anything to due with the lending tree. The lending tree told me that they have received many complaints about this person and I should make a formal complaint about this person.

At this time my wife and I are out 784.16. My checking acount is now going to be overdrawn and fees will be added because of this.

Loan fraud! Said they would streamline loan .Then would send e-mail saying new loan was complete at lower fixed rate.This happened many times ,but just another lie.They changed the 1 st loan rate to a higher amount 3 times after underwriting by lender ,countrywide! They kept this lie going for 6 mo's with fraudulant e-mails ,predatory lending is an understatement

I have lost my credit rating ,I have short sold my home 6 times and CW is still working on it after 9 mo's.There is no way to describe how I feel over this crime.Put yourself in this position.

In 2005 I was changing careers and accrued several high balances on my credit cards. Since I had a lot of equity in my home I decided to open a line of credit and pay these accounts and have a lower interest rate. I've have used lines of credit before and understand how they work, or at least thought I did. Everything went very smoothly, they sent someone to my house to sign all the paper work, so easy. When I received my first statement my payment due was about two hundred dollars more than I was told it would be. When I called about the amount I found that the interest rate had jumped to ten or eleven percent. I can't remember exactly. I thought O.K.,I knew it was a variable rate. It was then I found out that I had signed a contract that was interest only. I was stunned and sickened, I would never have never knowingly signed that contract anymore than get an ARM mortgage. After I got off the phone I got out the paperwork to find exactly where it said anything like that. This was something never discussed or mentioned to me by anyone. I finally found it, even on the front page down at the bottom in very small print Home Equity Line - 25 year interest only. It was between other information such as the loan number, my state and type of loan - refinance. It was certainly never pointed out to me. He just pointed out my name at the top with the Lending Tree Logo and turned the page. Yesterday day I got out my paper work to look it over again and it took me thirty minutes to find it again. I had thought I would be selling my home back then and then HOUSING CRASH. So I'm stuck here with two mortgage payments. With the interest rates so low my line of credit is $350 a month. That's O.K. but if inflation hits, and it will, I will not be able to keep my home. Just BEWARE of any mortgage company and read carefully what you sign, I thought I had.

I applied for a used auto loan on LendingTree.com. In response I received nothing but offers from dealerships wanting to make appointments for me to come down and look at vehicles. No interest rates or terms were offered by ANY of the companies that called and emailed me for DAYS. I also immediately started receiving 40 emails per day offering instant cash, jobs offers, advertisements, personal ads, and other junk mail. I wrote a letter to the customer service department and received no response. I have received more than 300 junk emails in the the past seven days. I DO NOT RECOMMEND LENDING TREE TO ANYONE. It was a waste of time, and a has ruined my personal email account.

I applied via internet for home refinancing with online application. I got lots of response due to the information recieved about my current status.the information gave me several options to choose from.I checked out everyone with the BBB before responing to any of them. the lending tree had the best record with BBB which I chose. Lender Alex Ho contacted me by e-mail and phone stating he could get me the best pricing of anyone. Alex e-mailed every day to make sure that I hadnot signed on with another company.

He called on 1-29-2009 stating that the president had signed the new stimulus bill and rates had already increased fron 4.87 to 4.9 and that by the of the day it would be in the 5.00 if I didnot lock in right away.I asked what would I need to bring to closing out of pocket cash; He told me that everything was included in the closing .I asked about the appraisal fee and he stated everything was included in the loan. He stated that he needed to ask some questions that were for the federal government . He asked if I was latino or other I stated that I was other than he asked again if I was lation, black, white or other. I stated that I was black. The next question was if I was a female then every thing changed. I went from having a credit score of 736 to a credit score of 718 . He stated that he had to use my triscore which was 718 instead of my 736 score. Then he suprised by saying that I needed to make a 600.00 deposit because some people back out of the loan and that is there penalty for backing they get to keep the 600.00 dollars.

I spoke Clemens about the situation the told me he would past on the info to Alex's supervisor T. Smith; Mr. smith called me at work and I was unable to recieve the call due to my patience load. I called Mr. Smith three different time with voice messages and have not gotten a response. I feel that once my race was revealed than all matters changed. Had I been the right race than I am sure my credit score would have remained at 736 and no deposit would have been required to maintain this loan. I went to lending tree.s website about complaints and found 25 pages of similar complaints that other people had about them. I went to BBB website and they donot have a website for discriminaton for companies registed with them.

I am a college student with growing dept. I took out a $5000 personal loan with Lending Tree to purchase a cash car and pay off my debt. I spoke with S. Culman on 2-2-09. She told me that i needed to sign the paperwork that she faxed me and fax over a copy of my id, proof of income and bank info. After that was confirmed she said to go to a money gram and send over $635, i believe, to some address in Canada. After we exchanged confirmation numbers, she assured that the money would be in the account on the 3rd at about 10 o'clock am. The next morning it wasnt there.

I called back and she told me that the system had been down and that to call back in 30 minutes. She also said that because of the inconvienece they would send a gift card for some electronics store (i forgot). I gave it about an hour and i called back. No answer. I left a message and about 3 hours later i got a call from a man ( id ont remember what his name was but he sounded like the guy who speaks on the voiceover when you call the Lending Tree number.) He told me that since it was sent to Canada, it would take about 5-7 business days to clear and make sure there were no money laundering. He said the latest i would get the money would be Monday, the 9th.

Well, its the 9th and i just called 5 times and left 2 messages. Nobody is answering my call and im getting really frustrated. If i dont get a call soon, i am contacting my lawyer to sue because this is ridiculous.

I didnt have the 600 to give at the time and the only reason i sent it, was because i thought i would have the 5000 coming in within the next day. I have overdrawn both bank accounts dealing with this company and now have about $40 to my name. I am about to lose the only job i have because i have no car to get to it. And if i lose my job i will have to declare bankruptcy due to an unpaid credit card and overdraft fees. This shouldnt be happening to me at [age] 19 all because of this scam of a company.

I was completing a Lending Tree application on the phone and I gave light-hearted but sarcastic comment regarding the outrageous pay the CEO's get even after they are low enough to beg for government bail outs. The person I was talking to chuckled but after a few moments I realized that someone had disconnected us. I called back to ask for a manager. The person I now talked to said that he simply could not let me talk to a manager.

Try as I may Lending Tree policy disallowed me to speak my peace with a manager. Lending Tree practices, like those of so many other American businesses' today are outrageous! I refuse to do business with Lending Tree. And by the way...do not tell me that Lending Tree does not make any money...that it is a free service.

I applied for a mortgage through Lending Tree, one of the offers I received back was from First Commonwealth Mortgage. I ended up using another lender. I have received several phone calls from First Commonwealth, most of which are messages left on my home answering maching. Until today, when I received a call on my cell phone from Timothy Heyne from First Commonwealth. I quickly explained to him that I refinanced with another company, thanked him and hung up. Later on I received a threatening email from him.

My experience with Lending Tree is laughable. I applied for an auto loan. I checked my credit score first and it was 740, so I thought this process would go smoothly. After three days I had two responses.? One from carloan.com read unable to make a customized loan offer? whatever that means, and the other from road loans remains in a pending status. Silly me, I called LT to follow up. The bored customer service rep suggested waiting another day for the response to change. She made no offer to follow up. She did try half-heartedly to sell me a home loan refinance or home equity line of credit which would mean a lot more $$$$$ fees for all the lenders involved.

My son had the same LT experience two years ago, and now I find two co-workers who had little or no response from Lending Tree. I am afraid LT is a shell website, doing nothing with my request except scamming me for personal info. I shopped several local banks plus the dealer financing bank which turns out to be the best deal. Like I said, this wasnt a bad experience just a largely inept and ineffective one, and a waste of my time.

30 minutes of my life that I will never get back. And I will be highly insulted if I have to watch another Lending Tree commercial.

There are clearly a lot of people who have had some very bad experiences with Lending Tree. I just wanted to report that everything went very smoothly in my case (purchase of new construction). I secured an excellent rate (4.99% in the middle of January 2009). All lenders fees of the closing costs were disclosed at the time of the rate lock. I made sure to request that those fees were guaranteed, and at closing they kept their word on them. My loan officer and loan processor were extremely prompt at answering and returning calls. I paid a $400 deposit for my appraisal and at closing the HUD indicated the appraisal charge was only $300, so with the $400 credit for my deposit on the HUD, I essentially got $100 of it converted to additional money down on the house.

I worked with another mortgage broker who does NOT do their own underwriting, so even though this company was quick to lock in my rate and take my application, they ultimately failed to convince their outside underwriter to approve it (after spinning their wheels, wasting my time, for a couple weeks). With time running out until settlement I went to Lending Tree and they locked and did all the underwriting in about 1 week. My credit score was very good, but my income was right on the borderline for being able to get this loan without a co-borrower.

They even went the extra mile to work with the title company and builder to get the closing date pushed up earlier than it was scheduled to be. So in summary, I just wanted to let people out there know that not all experiences with Lending Tree are bad. Maybe it's branch to branch variation (I worked with an Irvine California office for my new construction in New Jersey), or maybe the company has heeded the past complaints against it and is working to be better.

My wife and I have lived in our home for 21 years. Our arm expires in March and we saw how aggressive Lending Tree was advertising. We own 3 businesses, have credit scores in the 750's, have not missed a payment in 15 years. We were told we were approved. They solicited all of or sensitive financial documents, locked up our credit lines, incurred us costs, took our $ 600 REFUNDABLE deposit, messed up our credit reports and they continue to do this over and over.

Hey, $ 600 for several phone calls and some faxing isn't a bad income now is it? Way to keep them employed! We are filing complaints with the State of Michigan Attorney General and the Predatory Lending division of the FBI. Boy do I wish I would have Googled this first. Google rules!. How about a high profile Class Action Suit. One of you proud Lending Tree casualties has got to be a brazen legal expert.

Loss $ 600 dollars which we were told was refundable Had our credit scores abliterated Sent them personal financial data that in the wrong hands could crush us realized hoe seductive these Internet companies can be, stupid human!

I contacted lending tree for my loan to buy a new house. The officer-Michael Rose told me that I will have no problem getting the loan. He asked for $400 to lock in the rate of 5.99% and so I did( 3 weeks to closing). Two weeks we talked back and forth for my information. No manager talked to me but only emailed me once to introduce herself. Then in the last week, he-Michael Rose is gone, never returned my call or anything.

My family was frustrated in the last week. I was stressed in the money ($400) and the time consumed in the process. Lending tree just took the money I earned from my job.

I applied for a debt consolidation loan through LendingTree. Two days later I was contacted by David (x592) from Cedarbrook Lending Group who stated he was the Account Executive. He said he reviewed my credit and I was approved for a $5000 loan. He said due to my bankruptcy, I was only eligible for a secured loan which was 6 months of payments ($910) upfront. He faxed me the contract.

I had my attorney review it and she said it seemed legit. So I went to MoneyGram and wired the money to Michelle in NB Canada. The loan was to be deposited into my account on 11/3/2008 by 5pm est. At 2pm est I was contacted by Stanley in Customer Service (ext 0) who told me that the loan was reassessed by the lender and they required another 6 months of payments down, so I sent it. He then promised me that the loan would be deposited into my bank account by 3pm est on 11/4.

At 2pm est I was contacted by Richard (ext 173) who is the Executive Manager who then stated the lender backed out. I asked for a refund of the money because it was my rent money and he told me that I couldnt get my money until their next billing cycle on 11/24. Including the MoneyGram fees they got me for $1848.92. I have tried to call them over 50 times and they just hang up on me.

I was told today that if I didnt have my rent check by 11/5 that I was going to be evicted from my apartment with my 11 and 12 year old sons. My car insurance was cancelled because the check bounced.

In 2002 we went through the same ordeal, out $500, constantly having to fax paper work to them, which had already been faxed numerous times. My work place verified several times that I had been with the company five years. All was well, lady for company came to our home we signed all the paper work for the refinacing of our home. Was told would take up to a week to finalize papers and we were set to recieve our loan and extra money for personal items.

In the mean time I became sick and had a minor surgery an was off on sick leave for a week, they called to verify my job once again, now this had already been done several times. Robin calls our home to inform us the due to my sick leave they can not go through with the loan. As soon as I was back at work we could start the loan process over. Needless to say I tried to explain it was only a week leave and could not afford another $500 to do again. So there was $500 down the drain plus apprasial fee.

Loss of $500, plus the fact my husband is disabled and I was stuck struggling to recover from loss of the fee. Also due to there selling of information I could not get a loan and stuck with a high interst loan and may lose a home i have worked my hard to keep for last fifteen years. Are there not any truthful lenders out there to help people like us? If a large lawsuit is brought against this company please let me know. Something needs to be done.

In June 2008, I decided to try to explore options of refinancing or consolidating my equity line and mortgage. I had used Lending Tree for an auto loan years before, and had been pleased with the results, so I went to the website and started the application process. I was quickly contacted by Jerad, who reviewed my information and explained some options. He felt that the consolidation of mortgage and equity line would give me the best result (my mortgage rate was low, but my equity line was higher than current market). He then presented three offers from different banks, but I was extremely surprised to find that Lending Tree now offers their own loans. The rates were close to what was on the market, but certainly nothing special.

Of course, the Lending Tree loan (aka HomeLoan Center) was the lowest of the three, and I agreed to lock in with a 600.00 deposit after having the closing costs explained to me. The next day I received the loan documents, and the closing costs were more than double what was originally disclosed. I immediately contacted the broker, who said that the disclosure was just an 'estimate' of what the costs would be, and that some of the costs wouldn't show at closing time. He wouldn't refigure the Good Faith Estimate, and I couldn't trust a verbal 'Don't worry about it'.

I then did what I should have done to begin with. I contacted the Bank that holds both my mortgage and equity line and spoke with them. They recommended not refinancing the low rate mortgage at all, and just changing the equity line to a lower rate. I was able to drop the rate on my equity line 2 points, plus pull some additional money for debt; all without a dime of closing cost. I did lose the 600.00 deposit that Lending Tree refused to return, but consider it a lesson learned.

I also suffered from multiple hits on my credit, I've received literally dozens of mortgage offers via mail and phone. They obviously sell the information as soon as the information hits their database. I think when Lending Tree started financing their own loans, we as consumers lost any true competition from the other lenders. Your personal information is open to all comers, the interest rates are poor, and they don't offer accurate information about the costs of the loans. I will never use them again, and will continue to tell anyone in the market for any kind of loan to stay away from Lending Tree.

I was scammed out of the $600.00 Appraisal Fee. Lending Tree sends a 3rd rate adjuster out and your house does not appraise for what it is actually worth. They appraised my home at $250,000. My house appraised for $275,000 three years before. I even sent them comps in my area as they requested when the appraisal came back $100,000 lower than the actual value. I used another company and there was no question on the value of my home.

Lending Tree is not interested in lending you money, they are interested in their $600.oo fee and that is it. Please do not be swindled out of $600.00. I promise you, it will happen. Lending Tree is a scam. Banks do not compete for your business, they have their own finance company and then they sell the contract off to another lender they use. I called my credit card company and disputed the charge and had it reversed.

I have 4 homes, a great paying job, a Primere customer at HSBC and Citibank and I was turned down by the one company that turned up. What a disappointing service.

Damage to Credit

Dear Lending Tree Victims, I just want to thank you for your online information. I always check Consumer Affairs.com now when I'm about to purchase anything. I'm sorry so many of you have been hurt. But I'm very grateful you were bold enough to make statements to help protect others. I will not be contacting Lending Tree, and I already had their form filled out when I remembered I needed to check for complaints about them. I deleted it.

Just over three years ago my wife and I built a 480 square foot addition to our home consisting of a 5th bedroom and a home media room. Before signing the loan for the addition our home which is roughly 1600 square feet was appraised for $328,000. We figured that the $80,000 additionl would increase the value quite a bit.

This week we started to consider refinancing and contacted Lending Tree who told us we had to make a payment of $600.00 in order to proceed with the loan process. This would cover the cost of an appraisal and other things as well and would be applied to our total loan. I estimated our home may now be worth close to $350,000+ having 5 bedrooms, 3 bathrooms and a home media room as well. Tom at Lending tree said this all sonded good and gave me estimates of the monthly payments, interest rates and APR which all sounded good.

Two days later an appraiser showed up and walked both inside and outside our home. I made some idle chit-chat with him and discussed what he thought our home was worth. He said it would be difficult to determine since there are very few homes to compare it to in our neighborhood.

Yesterday, we received a call from Tom at Lending Tree who said he had some bad news that our appraisal came in and it was only for $289,000! ($39K less then what it was appraised for just over three years ago without the addition. He then said because the loan to value had dropped that my interest rate junmped and closing costs nearly doubled to almost $9,000 because I was required to purchase mortgage insurance too. Well, this angered me, but what was even more frustrating was that my wife and I found out they only appraised the upstairs of our house or 995 square feet because they said downstairs is basement. A basement? We have two bedrooms, bathroom and a media room that has a sliding glass door out to the backyard! Tom stated that because we live in a split level home that downstairs is a basement. By that analogy then I guess going upstairs to the masterbedroom, kitchen or living room means we are in the attic.

Anyhow, I demanded to speak with a manager who refused to refund me any of my $600.00 and when I asked if I could hire my own appraiser they would not accept it. My wife and I are now out $600.00 and I'm almost certain that my credit is being pulled because as many stories that I've read, I'm receiving calls and emails from other lenders that I have not contacted. I will not do business with Lending Tree ever again and highly recommend that others don't either.

My wife and I have already filed a complaint with the BBB and our state secretary. We are considering also filing a small claims against them as well because of their shady business practice.

I have to concur with a comment made about Lending Tree. I am in the process of shopping for prices and found out that the potential lenders are all checking my credit without my permission. As I speak, my credit score is dropping. Lending Tree should include a disclaimer about the negative impact of shopping around. If it affects my ability to purchase at a good rate, I will sue them.

Had the same dissapointing experience with lending tree that most people did. Took my $600 up front and didn't come through as they say they will. Don't bother using them if you are looking for financing.

We have basically reached the end of our rope. I own a income producing property, plus my husband works and brings in a good income. We aplied for a loan of 175K, which basically with the income from my property in NYC alone we can cover both mortgages, living expenses and not have to work. LendingTree had it's way of finding a problem. We were asured from the begining that because of our excellent credit and income this is going to be smooth, but don't forget to lock this for $600. right that magic number we all heard.

We are now a few days away from closing on this property, and Lending Tree is nickel and diming us over silly issues, showing my child support income, so I did. Than rental survey on my property in NY, never heard of such nonsense. I live now in a highly desirable area, and rents have been and are at it's max, but they don't believe it. We were told that the underwriter aproved the loan BUT we now need 3 month proof of my child support income, the month and half I gave is not enough.

My husband works mostly from home and may have to commute to NYC from CT if necessary, so we were now asked to get a letter from his boss, that the 2 hour commute will not affect his work o pay. Whats next a letter from the gas station that we will fill up there daily and pay for it, or a survey on their prices of gas. This has been a joke, and I have a feeling not only will I loose this home, but also the $600. Be ware, Lending Tree is a SCAM!

May loose the property in question, plus over $1000. in costs of apraisal, etc.

In June of 2008 my boyfriend went to Lending Tree to try and refinance. He was told the cheapest way to go would be through them he just needed to give them a 600 down payment that would be applied back towards the loan. He told them he wasn't sure if the house would appraise at what they were shooting for and was told not to worry! These things have a way of working out and he would be pleasantly surprised.

So he fell for these lies. They came out under appraised the house and on June 24th we received the call so sorry no loan we can't help you but hey thanks for the 600 have a great day. Is there a lawsuit going against them?

I inquired on their website, never went through with anything and they sold my personal information to companies,who looke up my credit report without my permission, my score has dropped by 80 points, I may not get refinanced now, and all my credit cards have raised my interest rate to around 28.99% because my fica score dropped! Interest is killing me, and Lending Tree sent me a letter admitting it, saying sorry about your luck were suing on our own behalf. Iam going to sue them. If nothing else I suggest suing them in small claims court for $5,000. I want more this has hurt my life a lot!

I am finishing my PhD in Europe, and had a contract for a tenure-track position at a state university in the US. Lending Tree said that if I demonstrated evidence of being in a PhD program and a contract, they would give me the loan. I provided the necessary documentation. They knew the whole situation up front. Then, suddenly, they sent an email stating they were canceling the load. I could not get ANYONE to pick up the phone. We put a downpayment equal to 1/3 the value of the house, and had and excellent credit rating. I guess the first person just promised us what they could not fulfill. Beware!

Our loan was delayed (a local bank has agreed to take it up) which means that the rates have gone up costing us a significant amount of money.

They undervalue your home just to scam you out of the supposedly totally refundable $600.00 up front fee then tell you it's not refundable. They appraised my house at 120,000 when it's been appraised by everyone else at 160,000 and up, suing them now!

Applied for a mortgage and during the 11th hour (the day before closing) was informed that different type of documentation was needed. Encouraged me to seek full time employment even if it was not full time. I am a teacher and like most teacher have the summer off, even though I am paid through August. Contact with this person has been almost none existant. She has lied regarding sending documentation to attorny or realtor regarding closing. Closing time has come and gone and still have not heard from Lending Tree.

On the house I wish to buy I have paid for appraisel, inspection, termite inspection, application fee putting me out $2000. Lending Tree has also pulled my credit report, again, lowering my FICO to 619, whereas it started out a 648. With all there inquiries they have gotten the FICO too low to qualify for a mortgage. I have lost the house of my dreams. I feel that the Lending Tree associate has discriminated against me due to sexual orientatiion.

I received emails stating their current issue of employees hacking into personal information and releasing it to unauthorized personnel. The first e-mail mentioned that they would provide ONE free credit report, yet I should monitor my credit due to this for at least 24 months, at my own expense.

The 2nd email now mentions to place a security freeze on my credit with all 3 bureas, explains how to do so, and then says it's also at my own expense. All documentation available. I further read into their FAQ's which state that they only sent these emails to those they thought may be at risk.

Furthermore, I have read articles that inform one that when contacting Lending Tree, despite the numerous times that the calls get disconnected, they do not provide names, email addresses or telephone numbers for any of their legal department. If you ask to have your files removed it is being noted they they refuse to and will ramble of state regulations, but cannot provide any further information. I feel that it is not fair of this business to be aware of a problem that was a result of their own employees and not compensate affected people.

Requires to monitor credit for minimum of 24 months at my expense because of their mistake. Suggests the highest protection is for me to place security freeze on credit, also at my own expense.

After several phone calls with LendingTree, I was confirmed (Transcripts of phone calls are available) that my promotion code was switched to the appropriate promotion code because my loan was not closed or funded. This was quoted by a representative. The switch never took place and customer relations refused to honor the desired promotion even with evidence. Isn't it unlawful to not honor the original terms and agreement when authorizing the loan to be funded?

I lost 10,000 Continental miles (a market value of $250). I could have just canceled the loan and reapplied under the correct promotion before authorizing my equity loan to be funded.

We were looking to Refinance in order to save $75-$100 per month on our current mortgage payments and decided to contact Lendingtree via their website to see what kind of offers we could get. A few minutes later we were contacted by phone from one of their sales persons. He told us that Lendingtree itself had the best loan to offer us, so we proceeded with the application. After running a credit check and a preliminary appraisal check, he assured us that with the numbers he was seeing, that he was confident that that we would definitely be saving $85.00 per month with the new loan . He again assured us that because of our excellent credit and high equity ratio, that we qualified for $217,000 loan 30 yr fixed rate loan at 5.5% with 2.145 discount points. He went on to say , that even if the appraisal came back lower, there would be no problem because everything else looked excellent. The total fees associated with the loan would be appx $3600 for closing costs and 4600 for a total of $8200.00

We were then told that in order to lock in this fantastic rate we would first have to pay $600.00 to Lock-in the rate We were told that the $600 would be credited back to the closing costs after the loan closed. At that time, I made a point of asking the sales person, what if the terms of the loan change and I decide I want to cancel this loan? His response ( which was supposed t be audio taped was If you change your mind the $600.00 will be credited back to your credit card. Like an idiot I agreed without reading the fine print and before I knew it, I had signed an electronic form and the $600.00 was immediately debited from my charge card.

To make a long story short, the appraisal came back $100,000 less than the salesmen himself said it would, which now changed all the terms of the loan completely. Naturally , we protested the validity of the appraisers finding, but Lending tree refused to have it re-evaluated by a 3rd party . As a result, The discount points jumped to 2.5 and The total cost of the loan was now $9800 with an expected monthly saving of only $55.00 a month. At that point I decided to cancel further processing of the loan which was due to close the next day. When I asked for my $600 back, of course they refused, stating that unless the loan was canceled due to their fault, that the $600.00 was not refundable.

The reason I am complaining and want my money back, is that I believe, that indeed, it was their fault. I contend , that they knew all along that the terms of the loan would be grossly different than what they quoted us, but that they stirred us toward it anyway. The salesmen used high pressure boiler room tactics to get us to fork over the $600.00 fee ,when he knew along that the terms of the loan were ridiculous. Who in their right mind would spend $10,000 over the life of the loan to save $55.00 a month.

Company will not refund one penny the so- called $600.00 lock in fee. Quoting that its clear stated in their disclaimer We do not give refunds. As of this time, they refuse to answer the question about weather or not all of the phone conversations being taped. This would prove beyond a doubt,that we were lied to.

I received a letter date April 21, 2008 from Lending Tree. The letter indicated that former employers of Lending Tree may have given my information (name, address, phone number, SSN#, income and employment information) to non-authorized mortgage lenders. The letter suggested that I continually monitor my credit and to obtain a copy of my free annual credit report, which I did.

The problem is that I have no assurance that my information is safe within Lending Tree. I know it is out there and not safe because of the information theft. I called Lending Tree to request that they eliminate my data from their records. I was told by numerous customer service reps that they could not do this. When I asked why, they cited state and federal regulations. When I asked WHICH state and federal regulations prevented this, each staff at Lending Tree told me the did not have access to that information. When I asked who at Lending Tree did have access to that information, I was told to send a letter to their legal department. I asked if that could be expedited via email and was told no. I asked if I could speak to someone in the legal department and was told that nobody can call the legal department. I persisted with getting answers to my question and was subsequently hung up on three times, twice by a manager.

I then pushed for, and obtained the names of two senior level employees, have left messages and have heard nothing back. It is apparent that Lending Tree did not have secure measures in place of safeguarding my information. Upon realizing this, it is apparent that Lending Tree believes that it is only my responsibility for tracking potential damages that may occur to my credit (and at my expense). Finally, it is apparent that Lending Tree will not relinquish my personal information, though requested, for legal reasons they cannot cite.

I have had exceptional credit my entire life. I now run the risk of having my credit record tarnished do to their lack of security processes. I also understand that I must pay (time and money) to continually monitor my credit.

I just wanted to let people know of my Lending Tree troubles. Mid Last year we inquired to lending tree with about wanting a loan. We were in the Market to buy a mobile home.The guy we spoke to couldn't be bothered with only a twenty thousand dollar loan. So we moved on and in febuary bought a mobile home outright. 2 Days ago we received a letter from LENDING Tree at our new address(which by the way we didn't give them) Letting us know about our file being hacked.I was curious as to why we were getting phone calls 3-5 times a week from mortgage company's.

Today May 7th 2008 I called up Lending tree trying to get some info to better protect us. I asked, when did Lending tree find out about the BREACH------would not tell me I asked, who iniated the breach the Mortgage company or the former employees------would not tell me. I then asked to speak to a manager and was passed to someone called NIKITA. Very pleasantly I asked the same questions. I was told that is not our business and to just let it go. I then asked for their lawyers telephone # and she HUNG UP on me. I than called back and asked to speak to NIKITA and was put on hold for about 5 minutes. When NIKITA picked up the line and I asked her to explain why she hung up on me she said this matter does not concern you. When I asked her to give me lending tree's lawyer telephone # she said i can give you an addrress. I said I want the telephone # to the LENDING TREE'S LAWYERS----------SHE SAID NO AND HUNG UP AGAIN.

Guess RUINED CREDIT OF so many People Doesn't MATTER TO lENDING TREE. The fact that ID can be stolen, INQUIRIES will hurt credit and the fact for the next 2 years we have to spend our own money to monitor our credit and that might still not work and could destroy our lives is NOTHING to Lending Tree. Is their anything we the people can do? Their lack of compassion is ASTOUNDING. PLEASE CAN SOMEONE HELP.

Economic Consequence could be catastrophic. Not to mention if our I:D is stolen, someone could commit crimes in our name. My wife was working so hard on building up good credit since she never had any before that all her work is most likely ruined. The not knowing is what worries us the most.

A few months ago I decided to shop around to see if I could get a good deal on a home equity line of credit. I decided to use Lending Tree. I immediately starting getting calls from mortgage companies and I specifically asked them not to run my credit since I had decided to go with my own Bank who gave me a better deal. A few months later I decided to apply for a loan and was shocked when I was turned down. I asked why and was told that I had too many inquiries on my credit report. I pulled my credit and was astonished to find that many inquiries had been made for my credit report and all of them had been from mortgage companies. I called Lending Tree to complain since aside from my bank they were the only ones I had ever contacted.

Lending tree customer service was unapologetic and said that this was basically how their company operated and that I should not be surprised to see inquires. I informed them that a number of companies that were not even on the list sent to me by Lending Tree had made inquiries. They did not care and again reiterated that this is normal. A few weeks ago I got an e-mail from Lending Tree informing me that some employees had stolen my data and that I should monitor my credit.

I called their customer service and indicated that these companies had adversely affected my credit score. All the customer service guy could tell me was to run my credit and monitor to see if any fradulent activities had occurred. I asked is they could at least offer to pay a credit monitoring agency to monitor my credit since it is impossible for me to do so on my own. They said they could not help me at all. I am so upset, my social security all my data was stolen and the company responsible for this is unwilling to even pay for credit monitoring.

I lost the opportunity to obtain a loan since the number of credit inquiries caused my credit score to fall. All my data was stolen and I can be a victim of identity theft because of Lending Tree's breach of security.

I too received the same letter as Michelle (see: Michelle of Conway SC (04/25/08)) from Lending Tree stating that they had several employees release company passwords which gave access to all inquires to LendingTree, which included names, addresses, employment history and soc. sec. numbers to unauthorized brokerage houses. I too, did not retain LendingTree for any of it's services. As I spoke with various individuals at LendingTree, I was basically told to constantly monitor my credit report to ensure that my credit was not being compromised. I am fully aware that this is the new way to commit crime in this century.

However, I was just appalled that LendingTree is taking NO ACCOUNTABILITY in at least offering some kind of identity theft credit monitoring service to those that may have been effected due to their negligence in having some kind of identity theft implementation program in place. Due to their negligence, I now have to spend countless hours monitoring my credit report and contacting credit bureaus insisting that they remove any potential inquiries or fraudulent activity off of my credit report. I just don't have time in my day, mainly due to work, to combat against anything such as this. If LendingTree were even remotely interested in showing some level of concern in regards to some remedy in this situation as opposed to placing the responsibility on the consumers to undue what they caused, then I would not be as angered as I am right now. If there is some kind of class action lawsuit of there against this kind of careless activity, please let me know and sign me up!

I am now having to pay to have my credit monitored on a daily basis, as opposed to just ordering my FREE credit reports quarterly. This situation will/is causing: financial loss due to having to pay for a credit monitoring service; potential negative credit report; more lost hours of work time; and numerous hours of worry & stress.

I received a letter from LendingTree today in the mail. I had applied on their internet site in January 2006 and never completed any transaction with this firm, instead finding an alternate re-finance company.

The company I went with informed me that my credit was pulled 42 times in a 3 week period, did I know why that happened. I informed them that I had applied to LendingTree a month before. I was very concerned at the time, as this impacted my credit scores.

The letter I received today informed me that several employees released company passwords which gave access to all inquires to LendingTree, which included names, addresses, employment history and SOCIAL SECURITY numbers to unauthorized brokerage houses. This certainly explains the 42 hits on my credit report.

My phone call to LendingTree this afternoon was quite frustrating as all the personnel ( Lisa, supervisor & Noel, customer service ) could suggest to me was to contact each credit bureau and Tell Them to REMOVE the 42 credit inquires against my report. I further asked them if LendingTree had informed the credit bureaus of their lack of employee supervision to assist consumers affected by this breach of their security process. I was advised that they were not responsible for any activity on consumers credit reports and felt no need to intercede on consumers behalf with the credit bureaus. What arrogance! What total lack of professional, ethical behavior! Their company employees have impacted how many consumer credit reports and they have no responsibility?

The letter states that LendingTree has filed suit against 3 brokerage companies involved with the scam, covering their own backs, but leaving an untold number of consumers to deal alone with the credit bureaus. This has to fall under some consumer fraud law. I was looking for assistance from LendingTree in resolving the excessive hits on my credit report and all I got was the brush off.

Has anyone else received this letter? We need to band together and pressure LendingTree to help all the consumers affected by this mess.

I paid a higher interest rate with another lender because my credit score was impacted by the number of inquires in such a short time frame, caused by LendingTree employees.

My husband and I applied for a loan on LendingTree. com and received a call from their rep, Jerad Douglas, to discuss our options. He offered rates with two other lenders that were similar; but as Jerad explained, only through Lending Tree's lender, Home Loan Center, Inc., could they guarantee what the closing costs would be. We agreed, provided a deposit that was necessary to lock in the rate, and began the process. An appraiser came out the next day, and that is where the problems began. They claimed that we had an illegal in-law apartment over our garage and would not fund the loan, nor would they refund our $600 deposit. I informed Jared the in-law apartment was indeed legal and asked what paperwork they required from my town office for their records. They could not tell me what they needed; they just kept giving me the run around. I found my original building permit and occupancy permit from the town and faxed it to Lending Tree. I had to follow up with them several times over the next week, while they told me they had to wait for the appraiser to update the appraisal.

A week later when I called, I was told that the appraiser determined that it was still illegal because the of the kitchen, even though the town ordinances and my permits clearly showed that the space was legal. Now they want me to get another building permit that specifically spells out a kitchen. It is just 3 days short of the deadline to close with the locked in rate, and it looks like we will be out our $600.00 deposit. I have used Lending Tree in the past, BEFORE they had their own loan center, and it worked well. Now it seems they are looking to scam people out of fast money and they don't really want to refinance loans.

We are out our $600.00 deposit and the time and effort to get this done.

I closed on a house on December 18, 2007. I was promised a $1275.00 Costco card from Lending Tree.

I sent in the required documents and they said it would be 2-3 weeks to receive the incentive. After talking to 4 customer service reps, I was told numerous times that my paperwork was being processed, one time that they signed me up for the wrong incentive, another time that there system was down and finally that there was a problem with there system and they didn't know when I would get the incentive.

I am extremely disappointed with Lending Tree and today, I wrote a letter to Bob Harris, the President of Lending Tree. Maybe this will get things

I purchased my mobile home 10yrs ago and used Lending Tree for the loan Of 23,000.00 afterwhich I did not like how they handled it switched to another leader of which Lending Tree bought out.

Just as of late contacted Lending Tree to payoff the loan. Consumer Service would not give me the information over the phone. So, I wrote a letter. The response floored me as I have made all my payments and in some months paid double and even triple payments. But, the response was that the payoff would be 20,000.00 plus 1000.00 for closing account.

How can these be..after 10yrs how could I still owe 20,000.00????

I am closing escrow with an FHA loan through Lending Tree in two days. Using Lending Tree was one of the worst decisions I've ever made. For starters, my husband and I applied for loans with several companies, with Countrywide giving us the best GFE. Lending Tree told me they could meet or beat the Countrywide rate, beat the APR%, and not only beat the fees, but give me $700+ cash back at closing. Lending Tree, which now funds their own loans (so much for when banks compete, you win), makes sure to quote you a better rate than the other banks, but then springs a higher rate/fees on you once you're so far into the process you can't turn back. They used high pressure sales tactics to get me to give them the $400 for an appraisal. Once that was paid, they supplied me with a GFE (good faith estimate) that didn't match what they verbally told me on the phone. Not only were LT's fees MUCH higher than what we had been quoted by Countrywide, but the APR% was higher (not lower, as they had promised). All in all, with Lending Tree the down payment was higher, the amount financed was higher, and therefore our monthly payment was higher.

On top of that, their incompetence is amazingly high at LT. I've had two previous FHA loans, and I know what documentation is required. I sent all required docs at least 30-45 days before the loan was to close, but they'd turn around and ask me for stuff I already sent them two weeks down the road. Supposedly, they sent my loan to underwriting THREE times, and I don't have any issues that need explaining. My credit is good, I have the 3% down in the bank, and good job history. Also, rates were at 6.0% when I applied, and I asked how long till we should lock the rate. LT's rep told me that the Fed was going to drop interest rates, and we should see if that would have an impact on mortgage rates. Apparently it did, and they told us our rate dropped to 5.875%. I then asked LT to lock the rate in an email, and they refused, telling me some line about how FHA doesn't allow them to lock the rate until closing.

I sent them several emails asking them to lock the rate, and asking them to fix the supposed good faith estimate. They asked me to contact them via phone, and refused to give me anything in writing or email. This is the 4th house I've bought, with a handful of refi's, and I swear this is the most stressful experience I've ever had. After 6 weeks of misery, we now found out that our rate went up to 6.375%, surprise surprise. About 1-2 weeks ago, I started trying to find another loan, but it was too late at that point. Apparently, it's very difficult to transfer an FHA loan application # once one has been created. I would not recommend Lending Tree to my worst enemy. Please stay clear of them when shopping for a home loan!

I was shopping around to refinance my home, I was told at the time I put the application in that I would recieve a home depot gift card for refinancing with one of Lending trees finance companies, I spoke with someone on the online chat program on there at the time I put the application in and he/she said that I should recieve a $500 gift card based on the info I was giving as to the price of my home etc.

I finally finished up with one of there lenders and today I got throught to them to ask about my gift card and now they state that is only for people who use there realtors come on who uses a realtor to refinance??? you dont. She is saying that noone ever told me this and pretty much is calling me a lier, so they offer this insentive and then do not follow through with it, it was a scam and not only did atleast 40 different companies call and harrass me through using there site but they did not give me the gift card either.

I was ONLY inquiring about current mortgage rates on line. I filled out some info and decided that it was too much just for a rate. I thought I had backed out of the site and deleted it.

Lending Tree sold my information without my consent to many mortgage a/o lending groups. I have had over 30 calls trying to sell me a loan.

I was told by Mark that I could put a totally refundable deposit down to lock in my rate. I asked if I found a better rate, which I did, would I be fully refunded--and he said of course. I put a $500 deposit on my credit card. When I asked for a refund, he said he would get back to me or that his manager would. I have called many, many times to no avail. I will not give up. They are not going to steal my money just like that, right in my face. I have seen that there are many others who have suffered a similar fate, and Lending Tree will keep on doing this until they suffer some damage to their bottom line.

I'm out $500 plus interest on my credit card that I desperately need. I'm unemployed, and this has just added to my increasing debt.

I visited the website, started the process of filling out the forms but when I got to the LAST page, and read the terms and conditions, I did not agree with them, so I attempted to back out my information. I never clicked agree on the terms and conditions and never submitted the information. Yet they kept all of my information. I got a call early Sunday morning. I told the person I did not sign up with lending tree and I wanted to have my information removed. He refused. I spoke with a very polite manager, who also refused. I asked to speak to someone with enough authority to remove my information. I received a call two days later from Robin Chandler, who refused to remove my information and said that by filling out any information on their website they had a right to keep my information and report it to other agencies as they deem fit. If my ID gets ripped off, it's because of lendingtree.com.

I've complained to our state attorney general's office, and plan to make additional complaints with any and every legal entity I can find. Their site is misleading, it says nothing about keeping your information if you don't accept their terms, and they don't honor their do not call list. I've been on it for a while and keep getting calls and emails, despite unsubscribing. The bottom line is, the Internet is not safe and I should never have given out my information over it. I will never go through any banking process without sitting down in person with a live person!

DO NOT DEAL WITH THIS COMPANY. I feel like $600.00 was blatantly stolen from me. Got to the appraisal process of a refinance package and appraisal came back very low. I had a previous appraisal done for another lender, sent it to Lending Tree, but they refused to consider it. The appraisal that Lending Tree issued shows no increase in equity from the purchase of the home 4 years ago.

They refuse to refund the $600.00 rate lock fee that was charged. They expect me to re-apply in 6 months in the expectation that home values will rise to a point that the process can be completed. Unbelievable.

already went throgh it.

I have never been given such a run around as I have experienced with Lending Tree. They are lacking in knowledge and operating a poor site. I am totally disappointed with the service I received and will never recommend them to any sane person. They are misleading and in my opinion fradulent.

This company has to be the worst loan experience I have dealt with yet. I have felt myself falling into the same old hook and sink. Lending Tree will tell you about all the great things that they can do for you and after receiving all the information about the property, due taxes and recent sales within the community, they told me that my appraisal should not be a problem. Then the appraiser spent only a whole 5 minutes in and out of my residence. This individual took about 6 pictures of my property and then left. My appraisal was so low balled by the company that they said they had to use sales from over 2 miles away, in the ghetto nevertheless. Let's compare some apples to rotten oranges. Now Lending Tree wants me to gather previous appraisals from various residents who have refinanced with other lenders who had no problems with their appraisals. Imagine me doing all the foot work? What am I paying closing cost for? And all the other fees? They had the audacity to tell me since this was a FHA loan that my appraisal would be significantly different. I see my property is valued upon the type of loan they chose for me. A nickel is worth a penny if you are FHA, but yet a dime if you choose another program. $200,000 is $200,000! Well, they took me for the $400.00. Monica Hernandez assured me about the security and smooth process of my loan. Wrong! Then I was transferred to another who had no clue about what was going on and totally ruined the remaining process. It was Katie Heran. Down right clueless! I am not writing this because of my measly $400.00 loss, but maybe to save others from making the same mistake I made.

My husband and I were refered to Lending Tree by friends of ours. They had a good experience as they said, and a quick closure with no problems.

I filed for a prequalification online and it was only a few min later that Mr. Parker contacted me via telephone.
Initially I was very impressed with the quick responses, what seemed like descriptive answers to all my questions.

We were told that the loan process would be easy that Frederick would be doing all of the "leg" work for us to make the process as easy as possible.

I just had to submit some simple, routine documents. I did so. Then came the news that in order to lock in our rate I needed to pay $600.00. I did so believing this would be credited to our closing costs. Then from there our file was sent on to a lady named Sonia Chin.

This was the person who would collect the remainder of our information needed for the underwriters. Sonia not only poorly communicated with us, but when doing so was rude and abrassive. She also was pestering our realtor despite our realtor explaining to her that information Sonia was requesting was not yet available. Our realtor described her to us as "stalker".

I then recieved a phone call from Sonia after sending her an e mail asking what was going on and where we stood in the loan process...It was during that phone conversation that Sonia informed me we had to come up with $5500.00 additional in order to complete the loan process as we did not qualify for a 100% loan as we were originally assured by Frederick we did!

In the same phone conversation Sonia informed me she needed an updated copy of our bank statement showing we have nearly ten grand for both our down payment and full closing costs. Our home inspections were not yet completed and she was also demanding I purchase a home insurance policy and provide them with contact information immediatley.

I informed her that I would do no such thing prior to inspections being completed. I further informed her that to come up with the ten grand they were asking I would have to take a withdrawl from my husbands retirement fund which was not an ideal situation for us nor one I was sure I wanted to do. She again was rude, abrassive and pushy.

I decided to seek out advice from local lenders. To my dismay I found out that in no way should I have paid them $600.00 to lock in a rate. Furthermore, the breach of contract on their part by changing our loan terms after the fact, should entitle us to a return of our lock in fee. Now that I am demanding back my fee, I can not get an e mail response and am given the run around when on the phone. I keep hearing "let me look into it and get back with you"

Which never has happened.

Lending Tree's practice is unethical, decieving and down right wrong.

I believe they are taking more people for these $600.00 lock in fees than any of us can imagine and pulling the same shady scam.

I had a prior good experience with Lending Tree so I went to them for financing on a new house. As described by several others, they applied high pressure to me to sign a "lock agreement" for $600 which is basically a non-refundable deposit towards closing that has no basis in any real fees.

In the rush of numbers and the application, I was unable to discern the actual total fees of closing until five days later when I got their GFE statement and realized they were way over-priced. When I complained, i got a major run around about the other broker I was considering being unethical (ha) and that there were terms that were the issue.

Eventually they came back with an offer to try to match, but way late and after a lot of frustration. Also, Reed clearly implied to me in discussion, that if my house appraised for more than I was paying for it, it would reduce the downpayment I had to make to get 80% LTV which is complete nonsense as industry practice never allows that.

They sweet talk you and press you non-stop, as they are on commission and the goal is always to get a deposit from you and get you locked into their process so you have no way out.......highly deceitful and on the edge of illegal. Doubt I will have much luck fighting them, but I will make the effort where I can.

I called LT while shopping for a home loan. I spoke to mark and he told me in order to lock the very low rate he quoted me, I had to pay $500 up front and it was 100% refundable if I didn't like the terms of the loan.

He then quoted me a higher % rate and I requested my money back. He then told me no problem,, he had to OK it with his supervisor, Joe Mendoza, and I would get a call back. I have left him numerous messages but to no avail. They have just kept $500 for doing nothing

i cd back in june. spoke to rep thersa she locked inrate at 6.5 fixed comb 30 yrs but she avoid from discosing 2nd rate. she side track me by talking a my hometown then i gave her my credit card # for deposit of $400. she email the confirmation disclosure rate w/6.7 and then the 2nd rate of 8.6.

i cd her and adv her that she gave the wrong rates then she sent me the correct rates but i read further on the diclosure that something was NOT right. so, i cd her up to cancel and request refund of my deposit. she refused. then i email her manager steve about this matter. he was NOT supportive and declined refund because i did NOT wish to hear his hard sell to keep the loan process to continue.

he got offended after i cut him off on the sell. i asked him simple question about his last name because i knew he was asian. he became unprofessional by offending me by calling me names "bit me" and had no chose but to curse him out by saying "go to hell" and hung up on him. he then had a co-worker cd me up and threaten me that secuity dept is online too to listen to my conversation because i used the race car against steve the manager. which i did NOT and this person mat?

also was trying to hard sell me as well. i did NOT wish to hear to from him as well so, i told him no thank you and wish my deposit back. refund was denied. so, i wrote the CEO about my complaint, the company complaint dept, BBB, and TN Mortgage Commission.

few days later, i received an letter from BBB that they come not help me. but TN Mortgage Commission did respond by sending The Home Loan an letter of complaint that they needed to respond back to them as well as myself. and then i got call from THL complaint dept and they took my complaint as well, they took up to the VP to review my case and it was overturn that i receive an refund of my deposit. yes, it was ok to get the refund back.

but the three individual were playing games to get an sell. i was harass for no reason. i did not receive any apology from higher up in the company. and i read all the other incidents that happen to other customers that were trying to get an loan. can we do something about this? any lawyers out there?

I applied for a refinance through lending tree and was told I would get the best possible rate and customer service was their commitment. I reluctantly gave them $600 as a downpayment after the mortgage broker called me daily for it. this is when things began to turn bad. 1st, the appriasal came in very low turning my refinance into now a home eqity loan, ok.

Then I was told that everything came up roses and was moving forward and I could begin my remodeling project. Next, this particular mortgage broker decided that my debt to income ratio was to high and that they would only be able to pay off my credit card...not my original goals but ok, but here is the final kicker: They then said they could not lend due to the renovation in progress, you know, the one where I was told it would be just fine to begin construction.

So now, I'm left with a project to pay for out of pocket, not to mention they have not responded to my many phone calls and constant e-mails just looking for someone to talk to me. They have avoided me on purpose and so I called from an uknown number, spoke with someone on a rotating answering call center who advised me that the $600.00 was nonrefundable and the property appraisal was now their property...what do they need with my property appriasal? which, by the way, I was going to use for my own bank.

After reading some of the other horror stories, I guess I should be lucky I'm only out $600. I can only hope they are the next to fall in this sub prime mortgage implosion.

At 6:34 this morning, we received a phone call from Quicken home loans! When I blew up at the early call. I was told that"we need to get a hold of our clients early"! I am NOT a client of Quicken.

What started this was a aborted check on rates with Lending Tree. We had filled out most of the forms but when we reached the credit check authorization we backed out. We are members of Truecredit reports and know that our current score is between 750 and 795 depending on the credit company.

All we wanted to know was the current rates for a new mortgage. Within moments of backing out and NOT SENDING ANY INFORMATION the phone started ringing, between 20 to 30 calls have been received with Quicken leading the pack. When I informed this idiot, I didn't want them checking my credit score, he replied "if you had good credit...you'd want to have everyone know it"!

Guess which company we would never use!!

I entered into a $600 lock-in contract for a re-finance loan that I was told would be better than my current loan payment and rate. They were extremely attentive and helpful until around 5 days AFTER CLOSING.

Then they came back that the taxes were miscalcuated and I would have to come up with $3000 THAT DAY. When I told them I couldn't, they cancelled the loan, telling me verbally they knew that the loan would not be financially viable for me, and would me in a worse monetary sitatuation than my current lender.

After cancelling the loan it took 5 phone calls and messages(I have the dates) to even get someone to get back to me. Then they told me that I would not be able to receive my $600 back because I signed a paper. I am apalled...I signed over 50 pages of closing documents, how could they do that? I will never use them again.

I subscribed to a lead service advertised by Lending Tree.COM AKA Realestate.Com.

The service was suppose to send QUALIFIED LEADS to me for a fee per month. The leads were terrible and I cancelled it immediately. I wrote them, called them, and sent emails.

They CONTINUE to bill my credit card for the monthly fee. So now every month I have to call to dispute the charge. They refuse to stop billing me.

I made an offer on a house. Lending Tree provided me with a preapproval letter. The offer was still pending - nothing was signed by the seller. I never received anything in writing regarding the loan and rates.

I asked for something to be made in writing and was told after they locked in the rate with a security deposit they would send me something in writing. The deposit would not be withdrawn until I reviewed the paperwork and signed and faxed it back.

The paperwork I received was vague and did not include any information. I called the salesman back with questions and he did not return my call. Instead he withdrew $400 from my account without my permission. I am not trying to get my $400 refunded. In addition, an appraiser called the real estate agency asking to do a an appraisal on the property.

Because there was no signed contract, the real estate agency notified me. The person attempting to do the appraisal was from Lending Tree and was acting without any signed paperwork and without my permission.

They promised me a loan, took a $600 Lock In deposit which was refundable (they said) and then told me they could not loan on mobile homes after I told them that this is a manufactured home, no appraiser ever came out to my house,and they are trying to keep my $600, it was just a plain rip off.

I was about to contact lending tree and read some of the horror stories,will now go elsewhere.thanks

I applied for a home equity loan thru Lending tree. I selected a bank and closed my loan. After I completed the process, I discoverd an advertisment that stated I was eligible for free golf equipment based on the loan.

When I contacted Lending Tree I was told that since I didn't mention it during the application process I wasn't eligable. I stated that It wasn't afforded to me during the process and was told that's not their fault. I asked to become eligable for the rebate and was told no.

We were thinking of refinancing. I told the consultant I would only pay the $400 rate hold fee if my husband agreed. They said okay; they would hold off until they heard from him. My husband was not satisfied with the loan, so we decided not to go with it. However, I was charged the $400 anyways.

Since I found out about this, I haven't been able to get ahold of anybody who can give me a straight answer or refund the money. We never even signed any of the paperwork they emailed us, set up an appraiser, or anything. So how can they take our money?

I contacted Lending Tree in an attempt to secure a refinance of a owner financed mortgage. I was upfront with them and informed them that my credit was good and my wifes credit was not the best(foreclosure in the past). They at first emailed me loan information which required a percentage to be put down.

We were looking for a no down loan. I wanted to try and get enough extra to pay off a credit card and after looking at my credit report Mr McCauley had me agreeing to pay off two other loans, provided the appraisal by their appraiser was high enough. Their appraisal came in low and I requested to just do a sraight refinance of my mortgage.

Mr Mcauley said he would see if their Apppraisal review department could increase the amount of the appraisal and could I possibly send him some local MLS numbers to help support overturning the appraisal. Which I did. Based on insurance replacement value and other properties in the area I feel like my property was low balled by Lending Trees appraiser.

I have not been shown the appraisal or been given any other information concerning this attempt to refinance. EVERYTHING would be okay except I was charge, up front, 600.00 for a mortgage loan that I never received. I have not heard from Lending Tree in over a month and we are working with great broker to secure a refinaced loan (without charge).

We contacted Lending Tree based on the fact that they would attempt to get creditors to compete for a lower rate they sent us to there own loan company Home Lending or something like that and sent out the worst appraiser this side of the Mississippi who compared our house value to a house that sold over 30 miles away and in a different town.

Everyone in this area knows that the town she used has nothing going for it with the only real business being a bar where as the town we live in is close to the town where everyone works and is an easy commute so folks can live in a basically rural setting and still get to work easily.

When we had a realtor from Century 21 provide a real CMA they told us it was not appropriate as they sold over 6 months ago (it isn't a gallon of milk where the value would change that much in 6 months) They also took 400.00 up front and refuse to give it back and when I spoke with Noah regarding the crazy appraisal he advised that he had just gotten off the phone with another customer who was fighting the appraised value.

Mine is a minor complaint compared to others. Lending tree matched me with a mortgage compnay to get me a home. This compnay wanted money just to get my "bad" credit report.

According to lending tree they use only companies that do not base you on your credit score and they are for people with bad credit. According to the personI spoke to from lending tree she got a loan for over 100 grand with worse credit than ours. After convincing me to give this company my credit card number to charge me for their services. I was told we had the loan to put the purchase offer in.

When we did this the bank required the actual proof of pre approval as it was a foreclosure home. When we called the compnay they said ooops you were declined and hung up. I called lending tree and told them the man said it was based on our credit they just basically said uh huh well we don;t allow them to base it solely on your credit.

Well they did and I wasn;t even allowed to rate this mortgage compnay on their website. Guess they only allow customers to rate them if they get loans. How fair is that. Lending tree refuses to allow consumers to rate if they are unhappy customers. (they need to send you the rating papers ot fill out and will not.

Ryan Wilbur was a very personable fellow with whom I discussed a potential issue with the refinance of my home, the house next door, in intimate detail on 4/24. I judged him to be sincere when he promised me the following:

1) Because the house next door was left in the middle of an extensive restoration due to a career move, Mr. Wilbur told me that he checked with his supervisor Mr. Massey and received permission to list my property as "rural" so that the comparables could be further away. My home is in an historic district and the neighborhoods surrounding us are not. MS Gray, the representitive who took over my file when Mr wilbur left the company suddenly, tells me that he did not list my property as rural.

2) And MOST important, Mr. Wilbur assured me that if Lending Tree couldn't get $150,000 home value for any reason, I would get my $600. back. For this reason, I gave the deposit.

I think it is relevant to mention here that Mr. Wilbur was so apparently empathic to my financial stress, he told me he volunteered to forfeit his commission to "help me out," a commission I learned from Ms Gray, was a fabrication.

A representative of lending tree lied to me. I entered into this business dealing under the influence of this lie. I have made repeated requests that my allegedly taped conversations with Wilber be examined to prove this. I believe the liability for any money obtained by Lending Tree under these circumstances is Lending Tree's and I have request a refund. To date, I have not recieved a response, nor have they indicated they are looking in to my request to review the tapes of my phone transactions with their representitive. After reading the multiple similar complaints about this company, I do think a class action suit may be in order.

Terry ********

Shilia (Initial Contact) quoted me a 7.375% interest rate for a 30 year fixed mortgage. Everything seemed ok. Next I get a call fom an Eryn who is going to be the so-called processor,who said they needed a $600 deposit to lock in the loan (Which they said was refundable). Relunctantly I gave them the deposit.

I then get a call a day or so later fom Eryn, after I had sent documentation about my present loan, W-2s etc. They indicated I had a $7,000 dollar pre-payment penalty on my present loan. I said I didn't know that, but go ahead and continue processing it. One thing they asked for was documentation (bank statments) which indicate assests.

I said I probably have around $2500 in the bank. I did not initially send that documentation. I get another call, Eryn said she received all the other documentation and didn't think she needed the asseset documentation, but now, my $152,000 mortgage is going to be a $167,000 mortgage (pre-payment penalty). I said (relunctantly) alright.

I get another call, now the mortgage is going to be a $171,000. Explanation: something about taxes or escrow or something, I didn't understand.

Now my mortgage payment is going to be about $30.00 more a month than what I'm paying now.

I still say (relunctantly) alright, after all it's a fixed rate.

Then my wife gets a call (I'm not home from work yet) from Eryn who says: "Oh we do need your assest documentation but now you have to show at least $3000 in assests. I call, she is never at her phone, I left a message for her to call me, no return call.

Today (the next day) I get a message on my machine, it has now gone up to $3500 in assests that I have to show.

I have had it with Lending Tree, I just tried calling Eryn again, and again she is not at her phone, I left another message for her to call me.

I intend to tell them to forget the loan and will ask for my $600 back even though I know they will say no.

This is a typical Bait & Switch scheme. They offer you what seems an attractive mortgage, then try and make it as unattractive so they do not have to give you back your deposit when you say no.

They do not know me very well as I intend to get every red cent back, even if it takes months to do so.

I contacted Lending Tree and spoke with Mike Shomali. I told him I wanted a refinance loan with no or little out-of-pocket closing costs. He told me I would have to pay a $600 application fee but that this would be credited against closing costs. He also assurred me that there would be little or no out-of-pocket cash.

They sent an appraiser who spent all of 5 minutes looking at the property. The appraisal was VERY low, much lower than any comparable properties in the area but Lending Tree would not appeal the appraisal. As a result, the loan I was "offered" was not sufficient to cover the refi and the closing costs were almost $4,000.

I chose to abandon my $600 rather than my sanity and refused to sign at which point I received an angry, high pressure call from Shomali wanting me to be sure I understand that this was not his fault. Well, Mr. Shomali, yes it was. I felt that Shomali lied to me from the beginning.

I will NEVER do businss with Lending Tree.

My story is similar to others. Lending Tree of course licenses their named to be used by every jack leg mortgage company. They tried the bait and switch. Their "good faith" estimate look very reasonable. However, I was suspicious when the loan processor kept delaying the closing papers. In fact, they delayed up until 1 hour before closing and the closing cost was on 100% off from the good faith estimate. Of course they kept my $400.

For smart people, they keep their $400, for the dumb ones, I guess they sign the loan.

From start to finish, a horrible experience. I was mislead by everyone who handled my case. We went with lending tree because we were promised 5.75% with no points!

I was originally told about $5,000 in closing, ended up paying over $9,000 plus the $600 lock fee! Huge problems at closing ended up costing me an extra $1,000 because they failed to do my paperwork right. They changed stuff at the underwriter that we had been promised and then didn't tell us.

We walked into closing with a different loan amount and closing cost amount and we had no idea! They were totally unprofessional and moronic. When questioned about the changes to the paperwork, my loan advisor kept insisting she had signed it but didn't remember seeing any changes.

We were at closing ready to move in and had no choice but to go through with deal. I plan to complain to ANYONE who will listen! Don't ever do business with them!

Well one of the best ways to describe this company would be the "ol bait and switch" I am sorry I went with this company I should of went with a local broker and had that hand held approach! Lending Tree made changes every week in regards to the closing that ultimately cost me more money.

The most intersting thing is that I am still waiting for over $5000 that they overpaid on one of the accounts I wanted paid off and now they are telling me I have to wait!! and the the manager Thomas Hutchinson has done nothing in my opinion to help resolving this.

I would not recommend my worst enemy to do business with this company.

i went through lending tree for a home equity loan. i was given 3 choices and chose home capital. after 2 weeks of paperwork, 450. cash supposedly for an appraisel, i was told that they had close down, shut the doors, with no notice or explanation.

i called my bank and cancelled my debit card and they are helping me try to recover the 450. i called lending tree today and was given the number to another lender, they told me they didnt know about home capital, but were sorry it happened.

i am sick over all the wasted time and feel cheated.

The terms were 669.00 for deffered payments.I money grammed the amount requested to her,she stated that the 5000.00 would be deposited into my account at the close of business day.

When I checked my account there was no money deposited but they took my 669.00.

I called her back and she said that the lender wanted 400.00 more dollars because of my credit status.

I explained that that is not what she said ,she told me that I was already approved for the loan.I new I was scammed and she has not returned anyb of my phone calls.I am in the proccess of trying to get my money back.

Watch out for the lending tree they are a bunch of predators just looking for unsuspecting people like myself.

to 'contact' them.

Feel like I just
offered all personal info. to the

information highway.

Bogus.

I spoke with david roh from lending tree today about refinancing my home and after faxing him all my info, I call him to ask when we can go over the offers. He tells he is still waiting on the offers to come back to him. After waiting all day, he finally calls me with a few offers that were appealing.

After we agree on a offer he says that to lock in my rate I would have to give him $600, in which he said would be applied towards the closing costs. Being cautious, I told him I would think about it. At that time he gets very upset saying that I would not find any better deal anywhere. non the less , I told him I would think about it and hung up.

Something else I found very convenient is that he waits till the end of business day to call me back so he can keep me from talking to anyone else and tells me to lock in this rate because rates might go up the next day. Also, I feel very confident that the $600 would have been lost especially after reading some of the other testimonials. Im just glad I didnt give him my credit card number.

Also one other note of interest, the initial offers I recieved were nothing like the real ones he spoke to me about. Very misleading.

My Experience with Lending Tree was positive. What I've learned by reading this is you can't please all people all the time. I got a loan and very competitive rates. I'm pretty mortgage savy and I know that rates and fees go hand and hand.

The 600.00 lock deposit that lending tree took showed up on my final hud as a credit towards the closing cost. I've refinance previously with other direct lenders and borkers and I have never seen my closing cost go down as they did with Lending tree. There was never a 400.00 inital fee. So that commit early on this page I don't think they were dealing with Lending Tree at all.

There communication was prompt and we closed in less than 20 days. Which is pretty quick compared to other lenders who take 30 to sometimes 60 days.

That outrageous

Unfortunately, after stumbling upon some other loan offers on the internet, I learned quickly that I wasn't getting such a great deal. I decided that I would go with another company on 3/2/07 that offered a better interest rate and cheaper closing costs. I requested a refund of my $600 from my loan rep. at Lending Tree on 3/5/07. I also contacted my credit card company to dispute the $600 charge. They sent me a form which I filled out and faxed back to them. As of 4/2/07 I have not received a refund of my money from Lending Tree. Their practices are deceptive, and it appears they've taken quite a few customers for ride on the fraudulent train.

We called for information after receiving an advertisement in the mail regarding mortgage reduction. Spoke to Scott and were told in order to start process, we had to pay $400.00 up front. We were quoted 5.875% + 2 points and an additional $3505.00 in other costs and fees for a total of $9600.00 in settlement charges. We decided to check with our bank and found that we were being overcharged points, the upfront fee was not reasonable and the settlement charges were considered high. We decided to go with our bank and when we called Scott he said he would match our bank's quote with a couple of exceptions.

We advised him that his company was no longer an option. We called and asked that the appraisal be cancelled and we submitted an e-mail to the company also. Unfortunately, the appraiser showed up at our door and we were told by Scott that they were keeping our $400 so we let the appraiser do his job. On the back of the form we responded to, it stated that there are no fees to get started and no obligation... and yet they took and kept our $400.00. In the meantime, we have sent letters (2/21 and 3/7) requesting at least a copy of the appraisal, but to date nothing.

My wife & I applied through Lending Tree for a mortgage loan. We thought this would be a very reputable site since it is so readily advertised. We were approved for a mortgage loan and proceeded to look for a house. When one was found, we were notified 1 day prior to closing that we would not be issued a loan because it was "felt that we would be a credit risk".

This was determined because unknown to us we had 16 credit checks from the credit bureaus which showed them that we were a poor risk at this time because of "applying for multiple loans". However, we didn't do that, we only click on Lending Tree and then the trouble began. We are now unable to get a loan for at least 3 months until all the "hits" on the credit bureaus have disappeared.

Because of this we will probably loose the house we both really want to make our permanent home. We don't understand how in January something can be so simple and then in March be so devastating, just because of Lending Tree. Yes, we did have some financial problems in early 2006 when I wasn't working full time and we did get behind in our mortgage, but that was overcome in July 2006 when we finally was able to see our house in Tennessee and moved to South Carolina.

That problem didn't make any difference according to our loan officer. We were also told that because of the Wall Street problems in March that they didn't have the funds to lend to us because of the problem they were experiencing and according to the loan officer, she felt that the underwriter was using our past information as a means to avoid funding our loan.

I would like to warn others that clicking on Lending Tree can be detremental to their credit rating.

applied for limted or no doc loan on line. initial email from mr sadian requested the usual info for conventional loan. apparently he did not review the original request and sent canned email. after contacting sadian conversations evolved into the correct documents (business license copy)that i would need to proceed with loan.

i learned from sadian early on that i had a credit score of 768. my concern to sadian was that property values may have declined, that i was formerly a licensed realtor and my home may not appraise for the amount needed. 2 yr old appraisal was 570k.

i reviewed such sites as zillow.com while i was on the phone with sadian and we discussed the appx. appraised values that the online sites were showing, 550k mid range which is loan amt. requeted to pay 533k existing variable rate loan and any penalties unknown at the time.

he also said he had access to a different prgram that they run in house at a cost of 150.00 that he would ask his super to waive. several contacts and conversations took place concerning the value before i would give him a card number for the 400 fee, and the last thing said to me before i would give him my info was he had only seen it 1 other time where the value dropped and that i would be refunded if the value didnt come in where needed.

the point i am getting to is that i was promised a refund of the 400 fee. the appraisal 490k was less than the loan amt asked for, no cash out, so sadian was going to protest in house. that took a week or more. i had a gut feeling there may be a problem getting a refund at this point and that was confirmed when i asked for it. i was directed to the lock agreement that i did sign.

yes my mistake at not completely reading the document that was in the appx. 60+ pages that i printed signed etc at home. when i asked for and was directed to the supervisor, he started by saying that the lock agreement is faithfully read to all applicants on the phone. hogwash. it directly contradicts the conversation we were having at the point of giving him my credit card number and i let him know that. i asked to have the appraisal i paid for sent to me,

the super said i would have it in 5 minutes. also emailed and asked the company 5 times without even a response. sadian also misled the int rate quoted, and i did email him to find out why. this is before the whole appriasal ordeal came to light. i was quoted 6.2 and then the actual rate in docs was 6.875, which was blamed on my misunderstanding.

maybe he misspoke unintentionally, maybe not, but i wrote the figure down when quoted. also, the initial actual application stated income for me at 8k mo., and my wife 2k mo. sadian had me sign income statement for 13k mo. and said he would explain it to me later. i did request sadian and his super and the consumer excellence dept review any taped conversations to show that i was completely honest in my allegations.

well, we just tell people we tape them, we dont really do it was the reply i got.

Mr. Elliott Edwards, Mortgage Banker of Home Loan Center (Lending Tree) has been working with us to refinance our mortgage loan. To begin the process, we faxed a packet containing our personal financial information. Upon receipt of the packet, Mr. Edwards called us and said that in order to lock in the interest rate of 3.0%, we have to pay upfront $500 which will be applied to the final closing costs. He then proceeded to explain a comprehensive loan package which will cover mortgage and credit cards. Given this exciting news, we authorized $500 to be deducted from our bank account which money was deducted immediately.

Mr. Edwards emailed us a Guaranteed True Cost Offer? which explains that the $500 is for locking the interest rate and will be applied to the closing costs; but this time, the rate changed to 3.875%. We started the loan process around October 2006 and in March 2007 we found out that the original loan that we were promised is not going to go through because the market value for the property is lower than Lending Tree anticipated.

We called to request our documents and $500 back since the loan that we were promised didnt go through by no fault of ours and Mr. Edwards and his Supervisor said that we cannot get our $500 or our documents back.

I filed a complain with the BBB and Lending Tree responded that "Customer Vakalahi entered into a loan agreement with Lending Tree on December 10, 2006." [This is a lie. We have the dates of our faxed documents which is earlier than December 10th.] Lending Tree further stated, "Vakalahi agreed to terms listed on a Lock-In Disclosure & Agreement on December 10, 2006. This agreement states the terms and agreements for the lock deposit.

The terms state that the deposit is non-refundable for a variety of reasons, including a low home appraisal value." [This is a lie. On December 10th, the representative told us on the phone that it will take only 10 days for him to fund our loan.] Lending Tree further stated, "Vakalahi continued to move forward with the loan.

A copy of the signed Lock-In Disclosure & Agreement is on file at Lending Tree and the Better Business Bureau for review. An appraisal was ordered and submitted to Lending Tree by a state licensed and Lending Tree approved appraiser." [No, Lending Tree moved on with our loan because they call the shots when it comes to loans.]

Lending Tree further indicated, "Vakalahi estimated her home value at $510,000. With Vakalahi's estimated value of $510,000 she qualified for a loan at 8.434% interest rate. Once the appraisal was performed, Vakalahi's home was valued at $475,000, thus disqualifying her for the original loan program which was based on a home value of $510,000." [Now, this doesn't make any sense at all. So, we have to pay $500 and then guess how much our home value is? And, if we guess wrong, we lose the $500 ~ that is ridiculous! How does that make any sense? How is that connected to the Lock-in rate agreement?]

So, Lending stated, "At this time Lending Tree will not be issuing a refund of the lock deposit due to the signed contract by Vakalahi, stating she was aware that if the appraisal value was low, a refund would not be granted."

I rebutted by saying that Lending Tree representative pressured us that the deposit is "required" to move the loan forward and it is non-refundable if we change our minds after the loan has been approved, NOT if the appraisal is different. There was no indication that differences in the appraisal would cost us $500.

Representative asked about last appraisal, I gave Countrywide's quote at $505,000 with the understanding that a appraisal is a must and that this quote should not have any bearing on the actual loan or the loan process. The representative asked what was the last appraisal and we gave him the number the Countrywide gave us.

There is an assumption that the appraisal would be the determinant of value. But, how is that right in terms of taking people's money becaue an appraisal was lower. The $500 was charged for a lock in rate, not for guessing what the property value is.

The interest rate we were offered was 3.0% and then changed to 3.875%. We were told that the loan was cancelled by Lending Tree because there was a prepayment penalty that we are not able to pay for, NOT because the value of the property was lower.

Lend Tree.com recommended I use Century 21 Citiwide. I had seen a condo in Swampscott and Steven Petrello accompanied me supposedly representing my interest.

When I offered to make an offer, he suddely became the "buyers agent" and I had/have no one representing me at all.

In July and August of 2006, Ryan pulled my credit report without my permission or knowledge. He had hoped I was going to refinance my equity loan with them. After a disaster the first time, I will never use Lending Tree again. Their underwriters are the most incompetent group I have ever had to deal with.

I've asked Lending Tree - Home Loan Center to remove those 2 fraudulent inquiries but they haven't. I asked First American Corp. to remove them because LT uses their service. They refused. I complained to Lending Tree's home office, got a case number, but that's about it.

The compliance person in the Irvine branch contacted me once and now she ignores me. My follow-up requests for status on this go unanswered.

During the original negotiations with Alex, we were promised a sweetheart deal. The appraisal came in low and we were then told to bring money to closing. When we refused, they restructured the offer with higher interest rates on the second mortgage. After the loan, I was finally given a copy of the appraisal and found the errors listed below.

Now it seems that when I wanted to talk to the broker who sold me the loan, he is stonewalling me. I have been in contact with others in the company that say it is my fault because I did not dispute the appraisal before closing. I was never given the opportunity to see the appraisal. Below is my e-mail detailing the problems that I had with the appraisal after I was finally give a copy.

---Copied from my e-mail to them dated 1-12----

I have found a couple of problems with the appraisal that probably cost us in the deal. If I could have seen the appraisal, we could have corrected this and gotten the original deal through.

1st problem; the appraisal list 1 1/2 baths. We have 2 and 1/2 baths. The master with a jacuzzi tub and seperate shower.

2nd Problem; We have listed 6 rooms, 4 bedrooms. We have a living room, Fully remodeled eat in kitchen, dining room, sunroom, laundry room and 4 bedrooms. That counts to me as 9 total.

3rd Problem; Although I have not pulled the plot from the court house, the lot size that was used in this appraisal is smaller than the one used in the appraisal that I used when we bought the place.

4th Problem; All of the windows are champion vinyl replacement windows that were changed in the last 6 years. The appraisal has them listed as aluminum frame.

The difference is not big, but probably big enough to crash the original deal. Had I seen this earlier, we could have probably cleared this up. I was shocked when the appraisal came in low. Now that I have seen it, I know why it did. This ended up costing me money and I am not sure what we should do about it.

Please forward this to the powers that be and have someone contact me. This whole process has been bad all the way around.

__________________

So far no one has offered what I feel is a valid reason for how badly this was screwed up. I get some noise about how the appraisal has been reviewed and is accurate. The internal documentation of the thing is incorrect.

January 31, 2007

LENDING TREE/ AMERICAN HOME LOANS SCAM

Consumers Beware-This could happen to you!

Dear Sir or Madam:

The following letter is the true story of what has happened to my family and me. It is of great importance to me to share this with everyone that has ever thought of getting a loan for a mortgage or consolidation loan. In a big way, it is a warning.

In May of 2002 I was informed by the company I had worked for approximately 7 years, StaffMark, that they were had been bought by the Stephens Group of Little Rock Arkansas and all corporate functions were being moved there which is 4 hours away from where we were located in Fayetteville Arkansas. We were also told that they were replacing all of us. There were approximately 130 people that worked at the office in Fayetteville with me, and all were loosing their jobs.

With this in mind my husband and I decided that because the lack of job openings in our city and the fact that we had approximately $17,000 in credit card debt and some equity in our home, it would be in our best interest to find a company that could provide us with a consolidation loan along with refinancing our home to avoid any financial problems that might come with my unemployment.

Because of all the information given on the news and commercials about lower interest rates we knew that this would be something that would work for us.

I had seen lots of commercials on T.V about Lending Tree. Com and went to their web site to see what they had to offer. I filled out the forms and with in minutes I had emails back from 3 different companies as well as phone calls from them.

One of the companies that contacted me was American Home Loans?. A lady named Yvonne Davidson called me and was so kind and understanding. I was honest with her about loosing my job and told her that I would like everything done by July 31, 2002 because that was to be my last day with StaffMark. She said that she understood why this was important and she would do everything she could do to help. So the paperwork was started.

She told me that we needed an appraisal of our home and that we could get a loan for that amount. We paid $350.00 for that appraisal. That appraisal showed our home being valued at $86,000.00. Our home pay off from the previous loan was $68,000.00 but we would have a penalty of $2000.00 for paying it off early. According to the figures that she had given us, we were to get a check for little over $13,000.00 to distribute to our credit card debt the way see saw fit and with no closing costs.

This was very encouraging to us.

July 31rst came and went and I had to be on unemployment for about a month before I could find another job. Throughout this time Yvonne was continually telling us that everything was coming together and that the closing would be soon. Because the unemployment was so much less than what I was receiving while at StaffMark the home finances were getting tighter. I came up with the idea of stopping the automated with drawl of our house payment for the month of September because she said that the funds to pay off the house would be available in the middle of that month.

Through out all this time I stayed in constant contact with Yvonne. In fact, I had almost daily contact with her. I had considered her a friend?. I even knew when her kids were sick, her marital problems and about her financial issues. She even gave me her home phone number so that I could contact her if I had any questions while she was at home with those sick children and her mobil phone if she just was out of the office. Also during this time, I had a gall bladder attack and found out that I needed to have my gall bladder removed quickly.

Yvonne said that it was good timing because we would have the money to pay down the credit cards and be able to pay our percentage of the hospital bills, doctor bills etc, as they came in. Of course, by this time we had received a letter from Douglas R. Lebda, Founder and CEO of Lending Tree, stating Congratulations?, Youre just a few steps away from closing on the refinanced loan thats right for you?. If only they knew.

I trusted that she WAS doing everything she could to help. Finally the day had come. She called and said that since they were in California and we were in Arkansas they would have someone nearer to us do the closing for them. The company that was chosen was Wilson and Associates. Wilson and Associates is based out of Pine Bluff, which is three hours from us.

I received a call from Faye at this company and she asked when would be a good time for us to drive there and sign the papers. I explained to her that taken a day off of work to do this was not a good option for us. She said she would have someone meet us in Fayetteville. We set up and appointment for 4:00 pm on Friday October 25th 2002.

On the day of closing she called me and stated that we were to bring a cashiers check to closing for $771.56. I told her that Yvonne had told us that there would be no closing costs. She told us that there wouldnt be a closing with out the money. Upset with this, I called my husband to tell him about the $771.56 that we needed to close but didnt have. He said, Let me call my mom?.

I started to cry. Call his mom? This is not how this was supposed to be. Of course his mom ran my husband to the bank and got cashiers check for that amount of money and dropped my husband off at the place we were to meet to close. We promised to pay her back after they had sent us our check for $13,000.00, which we were told to be with in a weeks time.

When we arrived at the required place, there was a guy there that we hade never met much less ever spoke with. He said he was there to represent the Wilson and Associates.

As we were looking at the paper work and signing we kept asking this guy where does it tell us about the $13,000.00 for the debt consolidation that we get back?. He stated that it was in there and that sometimes that they write it up this way.

He also told us again that, he and his girlfriend were students and Interns at the University of Arkansas and he was just hired by Wilson and Associates to close this deal. I know that we asked him at least 4 times where it states in the paperwork about this $13,000.00. He told us the same answer every time and said we would receive the money with in about a week.

We were skeptical but I had called Yvonne from my mobil phone and again she assured me that everything was done, as we had needed and requested. I in turn assured my husband. After the closing and relieved to finally get this done and seeing a light at the end of the tunnel, we left with what felt like a weight had been lifted off our shoulders.

The next day, Saturday October 26, 2002 I looked over all the paperwork that we had signed and was very concerned that things werent as we were told. So, first thing on Monday morning, October 28, 2002 I called the closing company and asked about the $13,000.00 and when we would be receiving the check. Faye, at the company said she didnt know what I was talking about. She said there wasnt any money like that to send us.

Stunned, I called Yvonne immediately. She acted shocked. She said that the closing company had totally ******* up the paperwork. I asked that she call the closing company and find out what happened. With in about 20 minutes, Yvonne called me back and said that she had been in touch with Denise Evans at Freemont (actual lender) and that they were stopping the paperwork and are going to get this fixed. She also stated that they were going to redo all the paperwork. I cant tell you how many times Yvonne said that this closing company is so stupid and I cant believe how badly they messed this up?.

A few days later we received two checks, one for $2779.00 to American Agencies and one for $25.00 to MEDCLR. I immediately called Yvonne again. And again, Yvonne stated that she couldnt believe how stupid the closing company was because they were not supposed to disburse money to those companies. She asked that I over night the checks to her and she would get the new paperwork finalized and get us the still awaited $13,000.00. So I did. I paid to have those checks over nighted to her.

By this time it was the second week of November and still assuring us that the lender, Freemont was working on new paperwork, I reminded her that I would be having November credit card bills to pay and I needed that money. The hospital bills were now also going to start coming in the mail. Yet again she told me that Freemont was redoing the paperwork and not to worry about paying November credit card bills because I would have the money by the end of the month and could write checks to pay them off at that time. I told her that it had to be because we were to pay our first payment to Freemont on the first of December.

I asked her about this also. Do I pay the payment even though they are redoing the paperwork?? She said she would call Freemont and tell them that since the paperwork is being redone that the payment will not be sent. We (my husband and I) even tried called Yvonnes boss Craig Tobin to see if he could help push this. He didnt return our calls.

The Thanksgiving Holiday, per Yvonne, slowed the process down and again December started with out any resolution to this issue. Now starts the collection calls from the credit card companies. Every time a company would call I would tell them how we were in the middle of a consolidation loan and I would soon be sending a lump some of money to them. Two weeks before Christmas we received a check for the same amount of the 2 checks sent to us previously and we used that money for to pay some of the debt that we were now behind on. November had not been paid, now December bills are now due. Yes, very little went towards Christmas presents for our boys.

Yvonne then told us because of Christmas and a lot of people taking vacation including Denise Evans (her contact) with Freemont the process had slowed down again. All of the sudden, Yvonne stopped returning my calls. I left several messages for her on her voicemail at work as well as on her cell phone. But, by then her home phone had been disconnected.

So I called another mortgage company here in Fayetteville to see what I should do next. He suggested that I call the Attorney Generals Office in Little Rock. I typed up a very short version of all this called the office and got their fax # and faxed it to that office on January 17 2003. I received a call back from that office from a lady who gave me the number for Arkansas Securities Department.

I called them 501-324-9260 and also faxed the letter to them 501-324-9268. I was connected to a man by the name of Charles Handley that told me that he did think there was something wrong with what had happened to us and he sent a letter to American Home Loans stating that they needed to respond to this complaint with in 15 business days and explain what they were going to do to resolve this. On the night of the 20th I also again called Yvonnes boss Craig Tobin and reached him.

He assured me that he could fix this and he said, Dont worry about Freemont. I work with Freemont on a regular basis and could contact them to stop the collection calls for the loan payment until this has been resolved.? The next night we got a call at home from Craigs assistant, Juan, saying that Craig could no longer help or talk to us because they had received a letter from Arkansas Securities Department and it is now a legal issue. But he did tell my husband and I both when we spoke with Juan from American Home Loans that they were going to buy back the loan and have to pay all late fees, finance fees, and clear up whatever problems this has caused to our credit? and that Yvonne can no longer work loans because of this issue (she had been demoted).

A few days later I called Charles Handley and he stated that there was not enough evidence to show that anyone attempted to stop this loan. They never mentioned any of the phone calls we made. What he received from American Homes Loans was the paperwork we had signed along with them saying that we knew what was going on the whole time.

They stated that we had tax liens against the home, we were not aware of this. We just purchased the home in the beginning of the year 2001. They had stated that we were in arrears by 90 days. Neither true nor possible. In fact, we had our home payment was automatically withdrawn from our banking account and we cancelled the withdraw from the month of August and we closed in October. The only way we were late was waiting for this loan to go through way beyond the time it was promised.

They expected us to be happy with the $2804.00 that they paid? The whole reason we started this was to consolidate all debtors. It did not tell any details that are in this letter but just the fact that they didnt have anything in writing saying that we wanted the loan stopped. They failed to tell about Yvonnes demotion and totally refused to recognize any failure from their company.

At no time did anyone, not Faye from Wilson and Associates not Yvonne from American Homes Loans anyone tell us that we needed to fax the Notice of Cancellation to them. Since I contacted both the closing company (Faye) and the broker (Yvonne), which in turn said that she had contacted Denise Evans from Freemont (lender) with in my 3 days rescission period I took it for granted that I had done what I needed to do.

We have learned from Mary in the compliance office at American Home Loans since then that Freemont never intended to loan us the amount of money that we were told by Yvonne. At no time did Yvonne disclose this to us. We would have never gone through with this if we had known this little bit of information. American Home Loans has refused to admit that they did anything wrong even though they demoted the person that had worked this loan. Why would they demote her if they thought she did nothing wrong?

I called Lending Tree and spoke with them about this. They were shocked to hear about this and said if there is anything that we can do to help?. I have since then called and faxed this letter. There response now is Sorry, to hear what has happened. Hope it works out for you.? They have released any responsibility also. Surprise!

Right after I wrote this letter I made approximately 100 copies. I broke out the phone book and sent a copy of this letter to every attorney that was in there. I have also contacted several attorneys in our area by phone. They say we have a good case but they all want at big money up front to take this case. The fact that because of all of this our home payments have gone up about $160.00 a month and we now have lots of hospital bills to pay and credit card debt has gone up due to the late fees and finance fees.

Over the limits fees are now added to this because of the fees that have compiled in the past few months. All totaled we paid $350.00 for appraisal, $771.55 for closing costs and received a check for $2804.00. Seems to be, we netted $1682.45 in order to raise our house payment $160.00 a month and put ourselves in major debt! But, if you really think about it, we lost the $2000.00 for paying off early, so we are actually are in the minus $317.55.

Were we stupid to believe the words of a person we had worked with for 6 months? Where is the legal help we need in this? Where are our rights? How can people do this to others? Most of all, what do we do now? We pray that if any one out there has the answers to these questions they let us know.

We also hope in our hearts that no other person has to go through this. The mental stress that we have been under for years and are still under is horrible. None of us want to feel that we need to tape every conversation we have just in case the other person wants to hurt us later. None of us want to feel distrust in our hearts. But, unfortunately that is what we are feeling at this time.

I contacted Lending Tree again and spoke with Mark, phone # 704-943-8100 and explained what had happened he asked that I fax him the letter stating what had happened and Lending Tree would help us. I faxed him this letter on May 27, 2004 to 704-943-8109. He responded as the other contact from Lending Tree I am sorry that this has happened to you. Good Luck?.

I even contacted Candice Wallace at Southern Mortgage, which had the loan previous to any of this. She said that this whole experience had made us a total risk to refinance and her company couldnt do it. Funny! She jumped at the chance when we first purchased the home through her company.

Update:

I wrote the above letter in February of 2003.

It is now the beginning of 2007 and we are still feeling the pressure of all this. The loan was transferred to Litton Loan Servicing as of June 2003. Needless to say, the loan had started out in arrears so Litton Loan Servicing had a valid excuse to call us continually and harass us about how irresponsible we were. They did set up a repayment plan to allow us to repay the past due amount through a few months. They added money to what was due to each month starting in August of 2003. In November of 2005 we had yet another set back when my husband had extreme internal bleeding and was hospitalized for a week. My husband was not able to work and the company, Mitchell Oil Company that I was working for was sold. I too was out of a job again.

I always kept in contact with Litton Loan Servicing to let them know what was happening but of course they needed their money. We got behind even more on this loan as well as the credit cards that we were supposed to be paying on. To be honest with you, we have had a few credit cards that we had to stop paying in order to pay for cars needed to get back and forth to work.

In May 2006 we had a few people show up at our door step, (we were also receiving mail,) asking to see the house because they had gotten word our home had been put on the auction block at the courthouse in Fayetteville, AR. Needless to say we were shocked and worried.

We would surely loose our home now. I spoke to several people at Litton Loan Servicing about what was going on and they said I needed to speak to Joe Vasquez 800-247-9727 ext 8334. He now had our account. But, I had left him several messages and he finally called me back several days later and asked that I fill out a form to show our financial information, attach an objection letter and show that we wanted to pay back what we owed in payments combined at the end of the note. (Like a car extension).

We had already sent another house payment of $810.00 by this time but, I filled out the form he faxed me, attached the Objection letter and sent it back to him along with a check for $2415.00 on 5-15-06. Again, I left several messages for a few days after that and he refused to call me back.

So I called and I spoke with at their attorneys office in Little Rock Wilson & Associates and was told they needed $2,415.00 in order for us to save our home from the auction block. I told Janet at that office that we had done this (overnighted) a check to Litton Loan Servicing in the amount needed along with the objection letter. I called Joe Vasquez and left yet another message telling him to expect this check.

He didnt call me back and we will still getting visitors and mail asking for about our home. I called the attorneys again on 5-25-26 left message for Janet and again on 5-31-06. I finally spoke with Janet and told her I had sent the check but it didnt stop the auction. She said that she would attempt to call him herself to help me out.

She called him and he told her that the check wasnt a cashiers check so he sent it back to us and there wasnt anything that we could do about the auction. (He never told us that it had to be a cashiers check.) She again said she would speak with him and asked that I call her back on 6-2-06 and she would tell me what he said. I did and asked that she get me the payoff from Litton because Joe Vasquez was not returning my calls.

She said that she would attempt to call him. She also said that she had turned all of our papers over to one of the main attorneys because of lack of response from Joe Vasquez. She said she had scanned the papers into e-mail form so that anyone having to do with case would have access to them. 6-8-06 I attempted to call Joe Vasquez again, left another message.

I called Janet again, she hadnt heard from Joe either and had called and e-mailed him. So I called Litton again myself and spoke with Kathleen Pecha. She gave me the name Olivia Rodricks. Ms Rodricks is Joes supervisor and should be able to help. Yes, had to leave her a message too. I asked her to call me back with our payoff. Ms Rodricks never returned my call either. On 6-8-06 I called Litton and spoke with Denise Baldwin I told her what had been going on for the past couple of week and told her that I needed a payoff amount. She said she would request it for me and told me that we needed $7554.49 by the 12th of the month just to stop the foreclosure and it needed to be sent directly to their attorneys Wilson & Associates.

We then immediately called my husbands parents. We again explained to them what was going on. They called Arvest bank to see what they could do to help. (Again) During those days we received our house payment check of $810.00 back from Litton Loan with a letter dated 6-6-06 stating was not enough to pay full amount due so they will foreclose?.

The representative at Arvest Bank is Sharon Lea. She called Littons attorneys and asked them for the total due to Litton Home Loans. (I too received the pay off from the attorneys, that in itself was a major ordeal just trying to get that) She received the payoff from them of $82,735.74 and immediately over nighted a cashiers check to them to pay off everything that was due. A couple of weeks later we received a check in the mail for $947.95 with a note dated 6-19-06 that stated we over paid them. On or about 7-23-06 we received a check for $366.01 from Litton Loan Servicing for a payoff refund.

In approximately August of 2006 we started receiving phone calls again from several people at Litton Loan Services stating that we still owed them approximately $1,800. We explained that Sharon Lea from Arvest Bank received the payoff amount from Littons attorneys and that they needed to check with them. A lot of times we went into the details of this letter just so they would know what we had been going through for so long.

Of course, it was never the same person twice that called us and there was never any information in the system about what we had spoken about with the last person. And of course it was never the same person when we called them, no matter how much information we got from that person. They hadnt called us since the middle of December so we not sure if they got the information they needed from their attorneys or they are just waiting to strike again.

Strike is right! My husband received a phone call from an A2Z collection agency hired by Litton Loan Servicing to collect the $1,800.00 owed by us. We have yet again, told A2Z the whole ordeal that we have been going through since 2002. She told me to call Daniel Chambers at Litton at 1-800-548-8665 x 8332 about this. My husband has called Mr. Chambers at least 7 times and left messages with home and cell phone numbers to make sure he can reach us every time. I personally have called him also and left a message. He has never called either one of us back.

I called American Home Loans corporate office and explained to them what had happened they transferred me to the branch that all this started from. I spoke with Craig Holiday, he claimed to be one of their attorneys. He said that he knows that this could happen because he has seen it right there in that office. He admitted to me that his company feeds on people just like us. Honest, trusting people. He says that we are not the first in line to complain about this behavior out of his office. His words were take a number and get in line. I dont know if I will even have a job next week. They literally have MILLIONS THEY OWE PEOPLE?.

This whole ordeal? has been a complete nightmare.

I expect that the responsible parties should step up at this time, namely Lending Tree and American Home Loans and help us fix what has happened to us in our lives. We demand the money that we were promised and we expected. We demand that our credit be fixed. I had perfect credit at the time that we signed up for this. We now wish that we would have stayed at Southern Mortgage Company and dealt with the credit cards as we could.

If this is not fixed with in a timely manner we will take every avenue available to us. If we take this to court we will make sure that we will get every dime back that we have paid out, plus what was promised to us originally and what we have lost. I will also send this letter to all News avenues, ABC, NBC, CBS and I will send this to shows such as 20/20 & Primetime and all local news stations. They will love to hear about 2 huge companies praying on the little guy.

There isnt any reason that companies of this size (Lending Tree and American Homes Loans) cant fix this. There also is no reason that you can give me that these mentioned companies can validate what has happened to us or any reason it should happen to anyone.
Everything that I have talked about can be verified through documents that we have in our possession.

Sincerely,

James R. **** and Denise ****

***************************

Fayetteville, AR 72701

Home *************

James R. ******s Cell 479-*******

Below are all the companies, contacts, phone numbers and fax numbers that I have used during the past 5 years that are not mentioned above. I realize that some of the contacts at American Home Loans are no longer there but, the phone numbers are still valid.

American Home Loans, -6 Hutton Centre, Suite 750, Santa Ana, Ca. 92707 Phone # 714-460-4777 or 1-800-278-8019. Fax # 714-460-4782

Yvonne Davidson, - Sr Loan Officer for American Home Loans, Home # 714-828-4016, Cell # 714-749-3288.

Wilson and Associates- Phone # 870-534-1200, Fax # 870-534-3638, Worked with Sherrie Aldridge and Faye. 123 Pine Street, Pine Bluff AR 71601

Appraisal done by Associated Appraisals, Owner-Mike Hopkins, Assistant Kristy, Phone # 479-521-2717. Appraised value of our home as of 6/1/02 = $ 87,529.00

Litton Loan Servicing LP, P.O. Box 4387, Houston TX, 77210-4387, Phone # 800-603-4517 Account # 0011363834, 0011363693, Shavone Smith 713-966-8975,

Fremont Investment & Loan-175 N Riverview Drive, Anaheim, CA 92808

Arkansas Securities Department-201 East Markham Street, Little Rock AR 72201-1692, Phone # 501-324-9260, fax # 501-324-9268

I recently reviewed my credit report and discovered I had over 47 New inquiry from mortgage companies. I have to write each company to ask them to remove the inquiry because it was unauthorized, as of today I am still receiving new inquiries even though I rejected all offers and emailed Lending Tree to have them stopped. I decided to go through Appollo Mortgage, we finally was suppose to close 1/12/06. I asked the loan officer to forward a copy of the final documents so I could review them.

When I saw the docs I could have fainted, the guy totally lied to me, I have at least six good faith estimates from him and I don't mind forwarding them to you. I am outraged because he first agreed to lower his origination fees by $300.00 and that is how he drew me. He later decided that he could not do that, I told him I would not do the loan, so he lowered the fees again and sent me a new good faith estimate.

The day of the closing I discovered the fees were raised a thoudsand dollars. I am so angry with the way I have been handled. I told him I am scheduled for surgery on the 19th of January so I wanted to get this done, his first lie was that it could be done before the new year, I explained that I wanted to add the finance charges to my 06 tax.

Well that never happened, and I was still forgiving. I tried to work with him in spite of because I know things happen, but stringing me along for 2 weeks and do this as too much. I emailed the agent and explained to him that I would not do the loan since the cost was not what I'd originally agreed to. The broker responeded by telling me he agreed that the undrewriting fees were higher then most but I would never find anyone that charge origination fees then his. Had I excepted the I would have received one thousand dollar less cash back so I decided not to do the loan.

In September 2006 I was looking for a refinance from a company off the internet and Lending Tree contacted me. I Work with an associate name Steven Singleton for a month thru e-mail(s) or by phone... I meet all that was required of me to do a refinance on my home to close on November 16th 2006..Two day after the appraiser went though I lady name Joyce called me and said she was taking over the paper work from Steven...( Steven became sick )..

I said that was fine as long as we closed on the date of November 16th because if I close and earlier I would be penalized $5000.00 because I was on a ARM that expired November 16th 2006..She said she was not aware of that date to close and she would get all the paper work together so we could close on the 16th of November...LACK of communications.

I contacted Joyce November 15th and she told me no way we could have closed on the 16th and Joyce said she would check on a REFUND I did not hear nothing from no one until I called and suggested my money back and the manager Christine @ EXT 3574 said the reason I would not get my money back was because I did not contact them.

I paid $400.00 for service from them to refinance my home and to close on the 16th of November...The 45 day Lock in agreement EXPIRED 11/17/06 and still not closed or refinanced.. I believe if Lending Tree was up to there needs the should of contacting me by a read receipt e-mail(s) or by phone way before the deadline date.Or a Notary contacting me on November 16th 2006

Also since Lending Tree not meeting up to there expectations I was expecting a FULL refund...I contacted Lending Tree on several occasions and every time I talked with different managers they gave me some excuse that they wasnt going to REFUND my money. I look forward in hearing from you regarding my problem..

Promised a closing cost of 6063.00. When the final day arrived my true closing costs were 8215.00. Repeated calls were made only to find out that they dont feel obligated to include tax amounts in the closing costs even though all other offers i got did. Deceptive practices is how they garner the loans and hope you will put up with the crap.

I gave them their competitors numbers up front and they offered me a better deal and promised to save me a couple thousand dollars on my closing costs. This company needs to be taken to court by everyone who has gotten a loan from them.

approved on 1.5% interest and i closed out on 1 Jan 2006.

This type of loan not

specifically,properly explain to me that it is only fixed for one month and then after one month of initial payment,the interest rate and monthly payment will go up every month.

As of Nov
2006 my current interest on my mortgage
was 8.3% and monthly payment is 1483.00/mo.(interest only)This type of

loan has 4 option payments:minimum payment of 728.90(negative amortization),interest only paymnet,interest plus principal and 15 yr payment which again not explain properly or mention about a 4 option payment.

I was forced to refinance my
1st mortgage with a different mortgage company 2 weeks ago to get rid of this bad loan,and to stop the increase of my

monthly mortgage.

Loan has a prepayment penalty of 2%.The loan was serviced by

Countrywide Home Loans at the time of my refinance this month.

We were routed to All Lending Confidence through Lending Tree. They required advance fee and we never received the loan - stole $1500.00!!!

We had an excellent loan offer from a lender sponsored by my wife's employer. No one could match it, and they told us it was a great deal (Citi, Bofa, Wells, Countrywide.) Lending Tree, however, said they could.

After collecting all of our information, the saleman pressured us for a $600 deposit and promised that he would send the detailed breakdown afterward. Since hearing about several problems from other people about the deposit we asked for someting in writing. He refused and promised us it is refundable.

Pressing him some more, we found that the deposit creates a binding agreement and is only refundable under very strict conditions. We also found out that there were many other costs that would be sent our way in the process of closing the loan. After he refused to give anything in writing we refused to do business.

someone named Amy has applied online for a morgage thru lending tree.com and used my phone number who gives to every morgage broker out there for five month now I recieve a min. of 4 calls a day asking for Amy and when I tell tehm they have the wrong number they insist to have me be sure that I am not "Amy" to go over all the information it is a real pain the phone calls are 7 days a week starting at 8 am even on sundays.

I have three times called lending tree to correct this and 5 months later this is still going on.

It seems unfair that even though I submitted all of the required documents that were requested that something like this should happen. I paid $600. to lock in an interest rate because Terry Russell called me and said that the government was about to raise the interest rates and in order to keep the interest rate that I applied for I would have to pay $600. That money would be used back towards the loan and the appraisal. The interest rate even though I locked in changed 3 times. And each time something else was was required.

First I needed collateral, then because the estimated appraisal did not come in, next proof of ownership free and clear. The loan is not even based on my rental property its a refinance of the home I live in. Each time I complied and still nothing it seems as if this is a scam to weasel out $600.00 from the applicant.

I have never run into so many issues in all my years of purchasing and refinancing property. I need to discuss with you or someone else on reimbursement for this money. Please contact me as soon as possible.

To date I have not received the appraisal on my property.

When setting up my HELOC, I was VERY specific that I wanted a Fixed rate. I was promised it and was also given a maximum payment that my monthly payments would never exceed. Unfortunetly, I did not keep that e-mail. My loan was transfered to Country Wide. In a conversation with them today, I found out my rate is adjustable. When you read what I signed, it is very confusing. The papers are thrown in front of you for you to sign, and you assume that the information is what you agreed upon. It says it is fixed but in small words states it is introductory. The only introductory thing I was advised of was 3 months interest only.

I was asked for $400 to lock in an interest rate, however, when it came time to have my home appraised, an appraiser never came out. I was told that because they did not recognize the type of heating system I had in Arizona, they would not refinance me.

They canceled the refinance, however, they did not give me back the $400 I gave them in good faith. The same day I refinanced through Lower My Bills.com and my home was appraised the next day and within 5 days I signed the paperwork and received my refinance at the same rate Lending Tree offered.

I purchased my home in December 2005 and was promised a gift card of $500. I followed up in March since I had not received the card. It is now July and I still have not received the incentive that was promised to me.

I spoke with David Frisina by phone on 6-01-06 and was told for a fee of $600.00 I could lock-in a home refinance loan that was fixed for 7 years. I gave him my credit card information and Lending Tree was given the $600.00. When I received the lock-in aggreement online, the loan was not the same as the loan I was promised per our phone conversation.

The loan I agreed to verbally on the phone was for 7 years with a fix rate. The Lock-in agreement stated that there is a margin of 2.25% and a cap of 5.0%; this was not part of out phone conversation. I asked that by $600.00 be credited back to my account. David stated per a phone call 2 or 3 days later that he would return the $600.00 to my account, but as of 7-15-06, he has not done so.

I contacted LendingTree.com regarding a refinance loan and was told by the representative Mr. Daniel Lete that I would have to give him a $400.00 deposit to secure the lock-in interest rate on the loan and receive additional information regarding the Mortgage lending process. I stated that I was concerned about providing my credit card information without getting any information in writing first. Mr. Lete assured me that my deposit could be refunded. However, after giving my credit card information I was sent an e-mail from Mr. Leta which included detailed information on the loan and the very limited circumstances which I would be entitled to a refund of my deposit. Mr. Lete was quite misleading.

The matter resulted in my not getting my deposit back after the loan agreement was never signed or processed. After getting the lock-in interest rate, I needed to change my refinancing amount. I was advised by Mr. Lete to get a home equity rate because of the low amount I was requesting. I declined to proceed with the process after I was quoted a very high interest rate.

Lending Tree and Lending Tree Home Loan Center misrepresented what they can do for me with respect to offers, timely closing of my refinance of my home; the amount of cash that i will get at closing; the payments to my creditors; payment amounts; as well as payment due dates. They messed up during the escrow process and estimation of the Libor Index. My loan is still up in the air. They have not returned calls in a timely manner. They have caused me and my wife Samantha unnecessary emotional distress which led to both of us getting sick.

Left a message for Johnny Tu at Home Loan Center On Saturday, April 1, 2006 10:22 AM. Told him that this is the second message I left since Monday, March 22, 2006. He never responded to that message pertaining the payment received from Country Wide $1380.24, which was supposed to be returned to them.

4/3/06 9:34 AM spoke to a countrywide representative regarding account # 124777331. He told me that they did not receive the $1380.24 from Lending Tree Home Loan Center. I told him that on 3/31/06 I sent the April payment of $138.64 with an extra 43 cents to make up for the $138.24

4/3/06 9:39 AM spoke to Johhny Tu from Home Loan Center. He said he did not receive the payment from Countrywide. He instructed me to call Countrywide back to get a tracking number.

4/3/06 9:49 AM spoke to Mayri from Countrywide. She told me that I requested the $138.24 to be sent to Home Loan Center on 3/1/06. It was taken out of the account on 3/9/06. She said she will do a Zero account search and call me back.

4/3/06 11:09 AM Mayri from CountryWide called me at home. She said the funds were transferred to Lending Tree. She said she will call Lending Tree and get the funds transferred back to CountryWide. She said this has been going on too long. She said she will call me later.

4/3/06 $1,381.08 went through account # 124777331

I applied for an equity line of credit through LendingTree.com. The best offer was from National City Bank. Their loan consulting company, Loancraft, verbally and in writing advised me that there were no prepayment penalties whatsoever. After going through the entire application process and accepting their offer, the closing papers indicated an early termination fee of $350.00.

When I contacted Loancraft, they advised me that this doesnt apply in my state (New Jersey). I asked them to allow me to cross it off the agreement and initial it. They advised me that any alteration would void the agreement. I asked them for an addendum stating that this doesn't apply. They refused.

I subscribed to a lead service advertised by Lending Tree.COM AKA Realestate.Com. The service was suppose to send QUALIFIED LEADS to me for a fee per month. The leads were terrible and I cancelled it immediately. I wrote them, called them, and sent emails. They CONTINUE to bill my credit card for the monthly fee. So now every month I have to call AMX to dispute the charge.

They refuse to stop billing me.

I had a good faith estimate on my new home of 5.125% this past year. I have been wondering why my rate was higher than my friends when he had a 6% rate. Come to find out they charged me 6.125.

This is a rip off and I fell for it. Throwing all those papers in front of me at closing and me not seeing the difference between a 5 and a 6 on the closing docs.

I was promised a Home Depot or AMEX Gift Card after closing with the relator that Lending Tree referred me to. I completed the necessary paperwork within 24 hours of my closing in June. It is now 17 weeks after the closing and I have not received the incentive despite a promise of an 8 week turnaround. I had made 2 calls between the closing and the beginning of September to check and make sure everything was submitted properly and things were progressing. I was assured it was.

When I called mid-September to ask where the gift card was, I was told they were missing paperwork from the realtor. Over the course of the next 2 weeks, I was told that they were getting all of the proper paperwork from the relator. Late in September they stated the gift card was approved and in for processing and should take 2-3 weeks. It has now been 4 weeks and no gift card. I called today and they claim to have mailed it out on 9/22 despite 2 conversations (and emails) after that time that state it was being processed.

The process seemed to be coming along fine until the closing date. It was only then that I was informed that my property was legally considered a condo, instead of a townhouse. This changed my rates significantly and cost me quite a bit more in points. I was obviously very upset by this, but Joe Mendoza told be that this was not a big deal. As this did not negatively effect his pocketbook, I am sure that for him it was not a big deal. To me, it was.

Of course at this point there was nothing I could do. If I tried to seek another lender I would be in default. Gail B sent me an email on 8/22 (more than one week before the closing) stating that she received the appraisal for the property, which, according to Joe, is where he discovered that my property was actually a condominium. On 8/22 I would have had time to look for another rate. It seems at best irresponsible and at worst deceptive to not check this information and inform me on 8/22. I was also informed on the day of my closing by Gail B that there was litigation pending against the condo association and that she did not know of any lender that would approve a loan with this type of litigation pending.

After speaking to my attorney, he explained to me that although there are some lenders that would deny a loan on these grounds, it was very common for a loan to go through under these circumstances and was rarely a problem. My attorney also explained that this information had been available and that the sellers had informed him that lendingtree had not requested any information until the week before the closing from them (the sellers), much later than they expected.

I realize that I was working with a tight time frame on my property, but I was assured from day one that this was not a problem. I also realize that problems can arise with any deal and can understand a few bumps in the road. What I do not understand is why the people that worked on my loan were so irresponsible.

I have a letter here from Jessie Chappell saying that I have been approved for a loan on my home. The letter is dated July 2nd 2005. I have provided everything including an appraisal on my property amoung other documents requested.

I won't even get in to the details about how long it took or the process I went through initially (back in July) because that's another story. People claiming they didn't get my fax (a week after I faxed it), people claiming they never got an appraisal (a week after THEY faxed it) I have been going in circles for 2 months over this loan.

My equity Consultant is Brian LaCasa. He actually called me and spoke with me directly after I had contacted headquarters about the fact that no one will let me know my loan status! My loan was "supposedly" funded last Thursday according to Jessie, however, no one will let me know when my checks are going out or when I can expect to see something in the mail.

No one will call me back! It's been a "week" now since it was funded. I'm wondering now just how long THIS process will take, ANYTHING. If I didn't need the loan to pay my debts initially (back in JULY) I wouldn't have bothered. Now, my FICO score is dropping thanks to the timely manner in which this loan wasn't handled properly. Is there a law against handeling customers to poorly?

when I was instructed (Mr.Jason)to deposit the home equity loan check of $35.676.20 into my personal checking account, and that I would receive a new book of blank checks, and a new designated account for the blank checks.

I called and spoken to Mr. Jason.V

concerning this matter on several occasions. During one early (week 0f 8/8/2005) I was told the designated blank checks and the designated account was mailed out and that I should have received it.

I then replied, who is the courier service and what is their tracking number, I received no answer.

I had sent faxes Jason.V
many times and received no response.

the last fax that i sent out was on 8/31/2005

I paid $19.99 for three credit reports to Lending Tree, in responds to a free credit score aid sent by Lending Tree. The $ 19.99 was required in order to get the score and report from the 3 credit bureaus.

This was charged to my credit card and I have not received but 2 reports. I have email them at least 2 times concerning this matter.

My loan closed within 14 days of request. However, the cash out money recived in my account 4 days after the loan funded. I also, received payoff checks almost 7 days after my loan closed for the credit card companies. Credit Card companies checks should have been mailed by Lending Tree to the credit card companies immediately after loan closed.

Instead, they mailed checks to my address while I'm paying interest on two loans, the credit card company and the new loan from Lending Tree. I was never told that checks would be mailed to my. I will never use Lending Tree again.

Lending Tree is using an unusual disclosure technique to hide actual closing costs from borrowers and build in "junk" fees. I have had good experiences with them in the past when they were operating as a referral source, but now they are licensed as a bank and closing the loans in own name, acting as the lender and playing by their own rules with the federally required disclosures. They also tried to force me to use their settlement services company so they can pocket those revenues as well. Unfortunately, even though I am a banking professional myself, I did not realize what they were up to until after they had already collected $600 from me, which they refused to refund.

Basically they quoted me a standard rate and origination/discount cost which a agreed to. They also mentioned there could be up to $2900 in additional closing costs. They quoted this as the "True Cost" of the transaction. I was unconcerned because I had already selected a title company that I routinely worked with and knew that my actual costs would be about $1300, plus some nominal charges for doc prep, etc. When I received their initial Good Faith stimate I was concerned that they did not break out the settlement costs, and they also asked me to sign a disclosure indicating that I had not paid for the appraisal and therefore had no right to a copy of it. What was my $600 for? The secondary investor's lock fee I was told.

As I am an employee of the secondary investor, I knew this was a lie and that this was really a tactic to keep me from taking the appraisal I paid for and going to another mortgage source. They want to inflict as much financial pain as possible if you figure out you are being ripped off and try to leave. Sadly we lost $600 to Lending Tree, but even with that I am saving over $1000 by going somewhere else.

I spoke to several managers at Lending Tree and this was not a one off, but standard operating procedure. I suspect thousands of people are being treated this way and there are probably grounds for a class action suit.

Lending Tree allowed my credit to be pulled 25 times over a 4 week period without my authorization, which lowered my FICO score. The lender I chose to work with promised rates of 5.25 - 5.35; however, when it came time to put it in writing, it was 9% with a prepayment penalty!

Part of Lending Tree called Home Loan Center I sent off my financial information and received back two rate lock forms and I allowed them to charge $800 to my credit card to cover the rate lock and to insure that the appraiser was paid in case the loan failed for lack of value or some other reason.

Long story short they quoted 6% and 6.625% on the two loans I was looking for. Then came back later saying they couldn't give me those rates and had changed the terms from a fixed to an interest only 3/6 Libor mm at 8.25%. Also the loan fees were going to total $9000 for both loans after being assured since two properites were being financed I would receive "A break".

When I told them I couldnt justify such a high rate and cost, the person I was working with said I would have my $800 deposit returned since the rates weren't what was quoted and no appraisal had been performed. I told them thank you I didn't want the loan. I had other lenders with better offers. Later I was told I would only receive a refund for one loan "since so much work had been done". Later that extended to both loans not being refunded.

I have filed a complaint with the Idaho Department of Finance and a merchant dispute with my bank. Now they are sending out letters saying I was denied a loan because of insufficient income. I have been told by several other lenders that they use these tactics because most people won't roll over. I feel that if I pressed the issue they should be liable for the origin quotes but I wouldn't want to work with them at this point. I'm sure aothers have been taken.

Do not ever give money up front. I have been told this is not a normal practice and the company I went with did not require them. STAY AWAY FROM LENDING TREE AT ALL COSTS!!! YOU CAN DO BETTER ALMOST ANY WHERE!! They have highly skilled sales people that will do anything to get you to commit. Even if you are not scammed you most likely will be paying more than you have to.

I thought we had found a home and than the realtor did not have our best interest at heart, so we walked. The loan was only at lending tree for only four days. They cannot transfer the deposit for a new loan. Niki Secco said she would see what she could do, never returned our call. I talked to her today 12 Jan 05 and she couldnt help me out.

I will not shop there for a loan at all.

Consumers Beware! The loan officer that you are working with may not be licensed by the California Dept. of Real Estate, (a real estate license is required when conducting mortage brokering activities in the state of CA.

Also, when using the Lending Tree Mortgage Services be sure to realize that you are enlisting another entity in the transaction which results in additonal loan fee's which may be passed on to the consumer.

3 offers from 3 institutions - each one resulted in the same thing, Made an offer, came back with a higher offer, after paying fees, loan was denied and fees were kept.

i applied for refinance and chose lending tree . in my closing documents the agreed upon rate and loan value were as discussed. the however changed the rate and reduced my cash out to make the payments be the same. apparently they opted for me to pay points from my cash out but i have been unable to contact them for two days. i hve three to recind and am doing so. they cannot be reached unless they want to contact you.

buyer beware!!!

I am a United Mileage Plus elite member and was aware of a partnership with United and Lending Tree. If you bought a home and utilized one of their lenders, they would give you 1250 miles per $10,000 you borrowed. I went through this process. The lender they set me up with left much to be desired, but I figured it was worth it since I did need a loan and the miles would obviously be an added bonus for my trouble.

Several months after closing on my new home, I checked my mileage balance. No miles from Lending Tree. I contacted them first by phone and they told me that in order for me to get miles, they would have needed to obtain my Mileage Plus account number prior to the loan closing. I thought this was ridiculous considering I filled the loan application out by linking to their site from a United Mileage plus portal. Incidentally, I also looked at several auto loans but never took one. Oddly enough, they had my Mileage account number linked to my auto loan inquiries.

I have read about them doing similar things to people who tried to get Home Depot gift cards.

Additionally, you could also get miles if you went with one of Lending Tree's approved real estate agents. I tried working with one of their agents in my area and ended up ditching him. He was unresponsive, did not promptly return phone calls, and sent me listings for houses I either could not afford or homes that were entirely below both price and standard that I was interested
in.

End story, think twice before doing business with these clowns! You're probably better off going with one of your local lenders.

i was looking at the sight and then it said i was registerd i dont want to be paying fof this i am a soldier and the pay aint that great.

i got my credit report and score before shopping for a loan. my score was a 683. i went to lending tree.com to see the best loan offers, they stated the their lenders check your credit as if only one bank has looked at your credit.however my score went from a 683 to a 621 in 3 days nothing on my report changed except each of the three banks looked a my report three times and one company, citi fianical, claimed they had lent me $25,000.which they had not and i had only requested a $12,000 max used car loan.

Att: State Attorney General of Ky.

Att: State Attorney General of North Carolina

Att: State Attorney General of Tennessee

Subject: Loan Process through Lending Tree dot Com and Advent Mortgage

Introduction

I can only hope that some fine person will at least read this document and help the working class of this world. I am so frustrated with the refinancing of my home mortgage loan that I am at a loss of what to do or who even to contact. Each day I read about corporate America and wonder when the little guy will ever get his day in court or at least SOME SOCIAL JUSTICE. I have already filed a complaint against the two main companies in question through the Better Business Bureau [BBB] but I am unsure as to what will happen if anything

.

The Facts

Upon receipt of my re-finance loan application from Lending Tree the company sought out several Mortgage Brokers to compete for my business. I receive 3 competitive bids of which I narrowed down to Advent Mortgage in Charlotte, North Carolina. The initial bid to entice me was 5.125% over 20 years. When I called I was informed that I needed to lock-in my loan so that the bid quoted would be lock soon enough before interest rates fell or rose. I immediately requested a lock [in writing] and was quoted 5.375 % and that this was good for 30 days.

My wife and I were happy that we finally got some sort of break and we waited for our new loan closure. Advent wanted us to go through a home inspection in which we paid out of pocket expenses of $300.00 and we passed with flying colors. About 20 days later we still had not heard much from our Mortgage agent a Mr. Josh Tucker. So we kept calling and finally were told that Josh was on emergency vacation and that a Mr. Steve Spires was taking over our loan. The 1st phone call was a mess. He had no knowledge of our loan or its details. He did not even know if the loan was for 20 or 30 years. He even informed us 30 minutes later that he found the paperwork and that our loan was approved for 6.5%???

We tried to call our original loan officer and we were informed that Josh no longer worked for Advent Mortgage. I immediately ask for a Supervisor at Advent and was told to talk to a Mr. Hunter Hayes and he reconfirmed that Josh was no longer at Advent and that our loan was in fact 6.5%. I elevated my complaint to the president of Advent a Mr. Pat Curry who also gave me the same basic information. I reminded Mr. Pat Curry that I had an email from Josh with the Advent Logo on the letterhead that confirmed the 5.375% fixed 20 year loan. This loan also included an 11k cash out to be used for additional home improvements that the wife and I were going to implement.

During all this back and forth conversation between Josh, Hunter, and Pat from Advent Mortgage my wife and I received a good faith estimate in the mail from Americas Wholesale Lenders [Division of Country-Wide Mortgage] for 5.875%. This was the loan that Advent was suing to make their money and profits. I confronted Pat [VP of Advent] that I had two written documents one for 5.375% and one for 5.875% and that he needed to get on the ball ASAP.

Pat tried to calm me down and in fact called me at least 3 or 4 times trying to find out what is going on and
that he could fix-it to my satisfaction. The best he could do was offer 5.8% for 20 years and than he interjected another twist that was not part of the original loan which was a separate loan for the 11k cash out option for 6%.

I informed Pat that he had by COB on 8/7/03 to put this ALL in writing to see if my Wife and I would consider this loan or go local. By now Advent HAD NO CREDIBILITY. I did not receive any fax, e-mail, or overnight letter confirming his best and final offer so this is why I am writing you this letter. I was told by Pat that he was to busy and that he had to go to another meeting and that he could not work on my loan.

During this entire wonderful experience I contacted Lending Tree dot Com and complained to no avail. I informed Lending Tree that it was their advertising and commitment to total customer satisfaction as reasons why I went there in the first place. Lending Tree would listen and say well after you select a Loan Broker that their job is done. This is like going to Wal-Mart with a bad watermelon and the store clerk blaming it on the farmer. Wal-Mart always tries to satisfy the customer now could I get the same from Lending Tree?

Summary

I am now going local for re-financing where I can see the person actually across the table so that I can conduct the business that should have been a simple business transaction. As you can probably guess the interest rates have gone up dramatically in the last 30 days and I am now trying to lock in a loan at 6.0% and from my calculations have probably lost hundreds of thousands of dollars over the life of the loan for all this mess.

I will not even mention all the pain and agony my Wife and I have endured to get such a simple loan. My son who is 14 years old could try this case [he has dreams of being a lawyer] with the evidence presented and could win it. All documentation denoted in this letter is on file for anyone who would like to contact this simple worker in America who is pursuing his dream to own a home.

I am also sending this to the local papers in your respective states in the hope that some young writer wants to make a name for them-selves. I can only hope and pray for some compassion and potential REAL ACTION in this world.

Sincerely,

S/

Leon P. *********

**************************

Maryville, Tn 37803

Ph: *******************

Ph: *******************

Ph: ******************]

Points of Contact

Lending Tree

11115 Rushmore Drive

Charlotte North Carolina 28277

Att: Robert T in Customer Service

Ph: 704-541-5351

Advent Mortgage

303 N Hurstbourne Lane

Suite 250

Louisville Ky 40222

Att: Pat Curry, Hunter Hayes, Josh Tucker [no longer their]

Ph: 502-896-3388

American Wholesale Lender [Country-Wide]

Att: Lana Middler

4500 Park Granada

Calabasus CA 91302

Ph: 818-225-3000