On XXXX XXXX, 2015, my wife and I met with a Bank of America mortgage loan officer to apply for a refinance our house. We were told that would not be a problem. The following day I brought all documents requested. After placing several phone call to find out the status I called the branch 's general manager, she called the loan officer 's manager and the following day the mortgage loan officer called me XXXX XXXX XXXX ) to tell me that I was XXXX or XXXX payments late in the last 24 months. When we met with him to formalized the application that should not be a problem to obtain the refinance, he asked us if we have been late in our mortgage one month in the last 12 months, the answer was no, then a day latter he requested banks statements for the last 24 months and the he said that in our credit report shows that we were late XXXX or XXXX payments late that would be very difficult to obtain the refinance but that he has someone else who can help us. Also the mortgage officer mentioned that he met with the underwriter and now via e-mail his manager is saying that the my application has not been submitted and if I want them to do so, i need to come up with {$450.00} for the appraisal of the house. I have request in multiple occasions to be provided with a letter stating the reason ( s ) of the denied, all my documents back and a copy of the application and also a copy of our credit report and to this day I have nothing. Thanks 
