I have my business and personal banking at Wells Fargo and have for 20+ years. I am in the process of refinancing my equity line on my $ XXXX house. I got approval, but they claimed my XXXX credit score was XXXX vs. the XXXX rating of XXXX which is a gap of XXXX. I have asked to understand the difference and see the report, but they decline. They state the only obligation they have is if my credit is declined. Given I was not declined they can state without any checks and balances what my credit score is and I have no recourse. This has caused for my equity rate to go from XXXX + 0.25 % to XXXX + 1.75 %. The only action he stated was to reprocess the application, but given I have no visibility to what they use as the basis for their underwriting and pricing, I am subject to whatever they decide to offer. This is not how lending is suppose to be under the Fair Credit Act. Please advise what recourse I have as this is not the way lending should be for a consumer. Moreover, this completely relegates or negates XXXX and the XXXX credit agencies as a basis of judgement for credit. Again, please advise my recourse and options available. Thank you, XXXX XXXX XXXX - XXXXXXXXXXXX 
