XX/XX/XXXX I applied to Bank of America for refinancing of home due to scamming by current mortgage holder.  XX/XX/XXXX house was appraised; appraised value approximately $40,000 less than comparables.  Made written complaint to BOA and multiple phone 
calls.  Only responses came from local mortgage loan officer who had to get update from someone else.  XXXX day he was not there and was told previous Thursday was his last day on job.  Since, received XXXX return phone calls but no others although I tried to get updates.  I was told to NOT pay previous mortgage in XX/XX/XXXX. but in XX/XX/XXXX. paid because I was three months overdue.  Still no response from BOA as to current status of initial application.  In XX/XX/XXXX. was finally told application was cancelled because of concern over appraisal.  Offered to reapply which I accepted.  Finally closed in mid-XX/XX/XXXX.  Before re-fi- application had HELOC which was rolled into re-fi amount.  After closing in XX/XX/XXXX. I received appraisal "drive-by" update upholding original appraisal but limited MLS inquiry to houses sold to max of $100.000 since date of original appraisal.  Three weeks after original appraisal, house XXXX with initial identical floor sold for $40,000 more than the appraisal of my house.  As after initial appraisal I made complaint to XXXX which denied any action.  Soon after closing on re-fi
 BOA re-applied for HELOC and was denied for # of delinquent accounts, proportion of balance to limit on revolving accts, too many inquiries in last 12 months, and insufficient length of revolving credit history.  Report dated XX/XX/XXXX for XXXX credit agencies shows
XXXX, XXXX, XXXX but another document shows XXXX for credit score.  Current report shows XXXX acct--XXXX of which have current activity.  Others have been paid off.  No. of  inquiries were elevated due primarily to activity related to re-fi and HELOC activity and  
one emergency home repair.  History reported goes back as far as XX/XX/XXXX.  I don't know where they came up with their conclusions.  I am satisfied with the ultimate re-financing but not with the hassles I had to go through to get to that point which had a deleterious effect on my health during this time.  I had to talk to too many different people to find out what was going on only to get no response.  Then to get this fabricated denial of my HELOC application was a "low blow."  I think it all revolves around the falsified appraisal.