BANK OF AMERICA HOME LOANS KIMBERLY FORD-AGENT B of A mortgage bait and switch scam san jose, California

one day I got a cold call from a BofA agent fronm the Stevens Creek San jose branch with an offer to refinance our mortgage,since the rates are lower and I already have an existing mortgage with BofA,I thought,what could ever go wrong??So I agreed to meet the agent Kimberly Ford at our local branch in Milpitas.So when we all met she said she was confident our house would appraise for around $420,000 and gave us 2 options to choose from since we told her we had about $28,000 worth of credit card debt.So the first option was just refinance the mortgage @ 3.875% or the other option was to consolidate the credit card debt with the mortgage with a rate of 4.25%,so we agreed on the second option to cash out and pay the debt and consolidate @ 4.25%,she then asked for my credit card and said it wouldnt be charged until the loan approves,she never disclosed to us  that it was non-refundable and what would happpen if the house doesnt appraise.Then I notice a charge on my credit card for $470.She never said it was non-refundable until after we declined the restuctured loan.So when the appaisal came back,she said it only appaised @ $360,000 and she would have to restructure the loan,right then and there,I had a bad feeling about the whole transaction.So she came back at us with the terms of the restuctured loan,she said the 4.25 % rate would remain with just the refi of the mortgage without the cash out to payoff the debt.I told her no,thats not what we lock in the rate at and not what we agreed on,then she pretty much backed us into a corner and gave us only 2 options,either accept the newly restucterd loan or forfeit   the $470 they had charged my credit card for the appraisal,,so by agreeing to her tly  to do the refi,I loose $470,I have done nothing wrong on my side,we didnt exactlt everything Kimberly had requested,she couldnt deliver the loan and we have now a $470 charge on my credit card .Please help,Ive been mislesd into this transaction.