Fifth Third Bank Mortgage Refinance Scam Cincinnati, Ohio

I was sent a "you're preapproved for a mortgage refinance under the new laws" letter from 5th Third bank.  I spoke with a consultant.  After going over my current mortgage information, I sent in my taxes, other income, etc.  He said that I was approved and  that I could save over $800 a month in mortgage fees.   However, I had to pay them $399.00  immediately to get my application in.   I gave my credit card number and was told it was running about two months.

Needless to say, after two months, I was told that according to my tax returns, I was not eligable for this refinance.  I asked the consultant why, since this was the exact same information that I gave him prior to him taking my (almost) $400.  I have not received an answer yet.