Royal United Mortgage review: Does not credit customer for appraisal never completed

Barry Teague, representative for Royal United Mortgage assured that if home owner changes their mind regarding moving forward with the loan and the home appraisal never started or completed, there would be a complete refund. The appraisal company, Valuation appraisal, representative did contact me and we never set a date and discontinued the process. However, the appraisal credit was never issue from Royal United. After numerous attempts, texts and emails, finally a response was provided from Barry Teague a month later. He proceeded to say there has been full communication and detailed he will contact the appraiser company. I already have the information from the appraisal company that since Royal United charged my credit card, only that person who generated the charge can generate the refund process. Be ware of this company! They use unethical tactics to get you to agree to a loan (even calling my home at 10:30 at night) and then before the home appraisal I decided not to go forward with the appraisal and loan. At this point, the communication stopped and no response regarding the payment that they charged me for a service NEVER completed and the appraiser never came to my property to initiate any "trip charge". This was stated by Barry Teague that he clearly informed me that when they come to the property and unable to complete the appraisal a trip charge is charged. That did not happen. Again, I recommend you research other reputable lender options and stay away from Royal United Mortgage.