I attempted to refinance my home with the Bank of America. ( I have been a Bank of America customer for forty years. ) I spoke with XXXX XXXX, a mortgage loan specialist with the Bank of America in XXXX XXXX, California. I submitted all of the recommended documents. I am XXXX and getting the requested documents was extremely difficult. 
I was told one week after the documents had been submitted that my file had be " shredded. '' I attempted to speak with XXXX XXXX 's supervisor, XXXX XXXX, and made five telephone calls over a two week period and he would not respond. I was then told to resubmit all the documents. I was told by an operations manager, XXXX, that she shredded the files, but she could not explain why. 
I believe that the Bank of America is making it impossible for XXXX to refinance their homes. The bank is pretending to start an applications. I was told by XXXX XXXX that a home loan application was never started although I had over five e-mail contacts with XXXX XXXX. I made every effort to start an application. I realize now that the entire process was a sham. 
