This XXXX refinance transaction is troubling. First of all, I specifically told the lender that I would like to refinance my payoff balance. Then I had a processor negotiating how much to refinance based off what I thought I owed US Bank. She first put {$94000.00} as I was n't sure. Then she put {$87000.00} when my payoff was around {$86000.00}. I do not understand. 

Another issue is that I had an escrow shortage of {$1100.00}, so I made an additional payment into escrow in the amount of {$1100.00}. I was advised last week by the processor that I would not need to bring any monies to closing. Then a closing manager contacted me on Friday telling me that I need to bring over {$1900.00} to closing. She also says my payoff has increased to over {$88000.00}. I do not understand. She told me that if I did n't agree, we would n't close until next year. I agreed as I would n't consent to this tactic. My loan officer was out of the office on XXXX XXXX. My closing was anticipated for XXXX XXXX. 

I find something unethical about this transaction. First of all, they waited until the last moment to drop the final number to pay. Why would I need to pay when I paid the escrow shortage? They also increased my interest rate from XXXX to 5 % to including my closing costs. I feel as if I 'm getting ripped off. 

The amount financed should not be negotiable. I 'm not requesting extra money. It seems as if the lender is trying to increase the amount finance and loan costs. 

Could you please investigate this transaction? I will attempt to obtain the documents I received last week showing the new numbers and the amount they are requiring. 

I also filed a complaint with the XXXX program requesting an investigation. 
