Bank of America Mortgage Complaint

Bank of America Mortgage department,

Conventional fixed mortgage Credit decision / Underwriting California

I was recently denied a refinance on my present mortgage by Bank of America. They claimed my debt to income ratio was too high. That may be so but they dragged out the approval process over two months. I paid for an appraisal after underwriting started. The loan office told me I could get a refund on the appraisal if my loan was denied. Now he is telling me I ca n't get a refund because services were rendered. Bank of America 's entity called - made - separate credit inquiries into my credit over the two months, and then demanded a letter explaining why my credit had received so many inquiries!