Hi there! I'm very sorry to hear about this!
Your client care specialist helps your banker out from time to time, but you clearly need to speak with your banker and there must be a reason for the increase. Ask for an updated good faith estimate.
If this is a purchase, there are several components that can change, especially when information regarding your taxes and insurance comes in. The only actual closing costs charged by Quicken Loans are a processing and underwriting fee. All other costs are incurred from third party sources needed to complete the purchase of a home.
As far as your deposit goes, since you are so close to closing, it is likely we've spent money on your behalf (appraisal, title work, surveys, etc.). If that is the case (your banker will be able to show you), you are entitled to a copy of the appraisal you have paid for. That is the reason we collect a deposit - we start to spend money for you. If you close with us, the deposit is credited back to you.
This is *not* standard practice for us and there should and will be an explanation. I would be more than happy to look into it for you. Feel free to contact me through our profile.
Thanks for giving us the opportunity to work with you. Buying a home can be frustrating, but ultimately very rewarding. I certainly hope this works out and I'd be more than happy to do whatever I can to see that it does.