I applied to refinance my home in GA with XXXX mortgage loans. I was sent a good faith estimate from XXXX XXXX and other documents for the refinance and told that our closing costs would only be {$1000.00} due to a credit they were giving us. I actually re-affirmed this with the loan officer via email and he confirmed we 'd only have to pay {$1000.00} out of pocket. Our documents were submitted for underwriting and we were told everything went through fine by the loan processor XXXX XXXX. Then all of a sudden some other person named XXXX XXXX started contacting us from their retention department. They said we could no longer receive the credit and would need to have a total of {$2800.00} in closing cost. All of this was done over the phone. No reason was given for this increase. He said our loan officer made mistakes. He could not tell me what the mistakes were. I asked to speak to his supervisor and received a call from a XXXX XXXX ( sp? ). He could not tell me what mistakes were made either just that the closing cost were now {$2800.00} and they could not give us the promised credit. I feel this was a switch and bait tactic used to try and scam us out of {$2800.00} by presenting this information at closing time. I have emails of all conversations with the original loan officer clearly stating we would be given a credit for closing costs. 
