Complaint Review: Millennium Capital Corporation

my husband and i filed for a home equity loan. i spoke with a representative and he told me he will send me some paperwork that needed to be filled out an mailed back to him. i received the paperwork and took my time carefully collecting all the information he requested. i mailed the papers back to him within a week. he contacted me a few days later and told me our paperwork look great. he could approve the loan on the condition our home was valued at 100,000.

i told this representative that i really could not afford the appraisal but if everything looked good to him i will get the money together. he said everything was approved. we paid the appraiser 175.00. it turned out the appraisal came up at 111,000. i never heard from the rep after that. 2 weeks later, we received a letter from them that we were denied because of debt to income ratio. this wasn't the story 2 weeks earlier. we were approved! i feel we have been ripped off for 175.00 appraisal fee, 35.00 credit check fee and my time. i called the rep and he told me the numbers didn't work out. this is not fair and i want to get my money back!