Loan Depot Michael Wissing Julie Simon Wont return our 425.00 appraisal refund California Foothill Ranch California

We were looking to refinance our home due to our son being in and out of the hospital since September. My husband called loan Depot and started working with Michael Wissing who stated to us we were already approved and would have our loan closed on dec 14th. He just needed 425.00 for us for an appraisal on nov 3rd in a phone conversation that was recorded he states it is fully refundable if they cannot get our loan approved. They sent an appraiser that under bid our home and listed it incorrectly. Which i now see they have scammed many this way. They denied our loan and now will not refund our money. Our son is very ill and this was suppose to help us oay off medical bills. We have 100,000 in equity and should not of been Denied . They scamed us and we are on desperate neef of our refund. Please help.