Thats not true. They can only charge you if you gave them the secret code off the back of your card. You probably tried to scam them, lost your rate lock due to the lie and are upset. I closed a loan with this company and Meredian and everything went exceptionally well. I didn't have one complaint which was unusal because I am very detail oriented. These guys did an amazing job, I was able to reach my underwriter day and night, and were honest about the terms of loan. My rate lock deposit garuanteed my terms and thats what I got when my loan closed in 18 days!!