Chase - JP Morgan Chase Bank, N.A. - Chase Bank - Chase Home Finance told me I qualifed for a refinance loan. After waiting 4 months they said I did not qualify and took $400 non-refundable. Phoenix, Arizona

I contacted JP Morgan Chase Bank in May, 2009 by phone, requesting removal of my ex-husbands name from the mortgage title.  I was informed the easiest way to resolve this was to apply for a refinance loan.  I spoke with Kathryn Powell (800-850-3735, ext. 43655), who started the loan application, who then transferred it to Liza Ortega, Loan Processor (877-483-3528, ext. 9152).  I never heard from Kathryn again, despite several calls I made to her with questions. 

I therefore wish to file a complaint with Chase as I believe I was denied the loan on a discriminatory and biased technicality.  After more than three months of submitting requested documents and being told that my loan would most likely be approved, I was denied because I was not able to show that I made mortgage payments on my own for 12 months prior.  The reason for this was because I was still married and had not been divorced long enough.  I explained this to Kathryn in the beginning and was not made aware of the type of program she had submitted the loan under. The original loan was conventional and I assumed this refinance would be as well.

I also paid $750.00 up front for an application fee, of which $350.00 has been refunded.  Had I had the least doubt that this loan would not be denied, I would never have paid this fee; I was assured that the loan would go through with no problem throughout my correspondence and was even given an estimated closing date.  I have more than adequate income, a very high FICO score (over 800) and no credit card or any other debt.