I live in California and the agency who I have been contacting is in Michigan.
I currently have a mortgage with CitiMortgage. I was solicited by CitiMortgage to reduce my interest rate from 5.85% to 5%. Instead of making the adjustment internally as they did before, they made me go through a tedious loan refinance application with $800 application fees. When I spoke to them on the phone for pre-qualification I specifically asked them how good the chance of getting it approved and the answer was very positive. After a month of tedious document submission back and forth they finally declined my application.
Question: Can I sue them to get my $800 back?
By the way, CitiMortgage is very sneaky now. They promised me to give me a credit card with one year interest free with the application. But I got another letter from their credit card department few days later saying my credit card application was declined because they could not verify my employment. They requested me to provide tons of document that normally you won't need for credit card application such as few years of tax returns. Just for you info. Don't deal with this company because they are not very honest.