Bank of america started an application for my home refinance. At the time of application my FICO was XXXX. They told me that XXXX of the delinquencies of a small $ amount due to miscommunication with XXXX of my lenders while as I was out of country was told to me as a non issue as long as I could provide a letter explaining the delinquency. In the process of lending, after the appraisal was done, the originator of from Bank of America suddenly asked the letter to be sent by the lender who had this delinquency. They changed requirements in between. More importantly appraisal showed significant equity in the house and my FICO is good. Originator from Bank of America abruptly stopped the deal. This led to waste of my appraisal cost. Also, I think this is a case of discrimination given after he received information on my race and nationality, they decided to flip on original decision. Would like to formally complaint and would like to seek damages in the amount of at least $ XXXX ( net present value of money I would have saved by refinancing at lower rate ) and appraisal cost of {$500.00}. 

Thanks! 
XXXX 
