I have been doing research into a mortgage refinance and spoke with an agent, XXXX XXXX at loanDepot, about rates for the loan. After sending an estimate. XXXX XXXX asked for a credit card to keep on file in the event that I decided to proceed with my refinancing application with loanDepot. He then told me that I should lock in the rate he quoted by paying {$10.00} immediately. I told him that I did not authorize that charge and would let him know the next day if I wanted to proceed. The following day I received a notification that the {$10.00} fee had been processed, per my authorization. XXXX XXXX sent me an emails stating in part, " Hopefully by saving an additional {$310.00} in price timing, you will forgive me for the sudden {$10.00}! ". Because I explicitly did not authorize this charge, I would like to warn others of this fraudulent behavior. 
