Re : Loan App XXXX XXXX XXXX XXXX, XXXX Md XXXX Be advised that on XX/XX/XXXX or XX/XX/XXXX XXXX XXXX blind called me. We discussed refi to to lock in fixed rates and what was offered. I presume it was based on partial information I filled in on a mortgage rate website that was never completed nor was the send button hit. I gave her some background as well told her of my unfavorable experience with online brokers, eg XXXX & XXXX XXXX leaving me with a feeling of being baited and switched. She was anxious to for me to apply and after resistance I proceeded to submit my application and paying the fee. I am XXXX years old From the initial contact from Wyndham I received only online website notications and a few email exchanges re additional requests. I notified Wyndham on XX/XX/XXXX via XXXX email transmission that I was going on vacation on XX/XX/XXXX and requested status of refi loan application and closing schedule. On the same day XX/XX/XXXX, XXXX I then recd email notification from the Wyndham disclosure website about a revised loan estimate. The adverse action notice was included in the list of disclosures and when I downloaded it contained with a box Part I.C checked " unable to verify income '' checked as the basis for the adverse action with name by unsigned. No prior notice was given prior to today of what income documentation was required. The loan processor XXXX XXXX notified on XX/XX/XXXX that everything was received that I provided but that your underwriters required additional documentation for rental income for XXXX XXXX XXXX. I prepared letter of explanation and sent to XXXX and receipt was confirmed by her. That was the last communication until the notice of adverse action today. 
Be advised that I have provided Wyndham with : 1. XX/XX/XXXX XXXX rental income from my property manager XXXX-XXXX for XXXX XXXX XXXX that I own 2. XXXX XXXX for XXXX my managed investments 3. XXXX XXXX for my XXXX and XXXX XXXX 4. XX/XX/XXXX & XX/XX/XXXX tax  returns from my accountant ( extension filed for XX/XX/XXXX which my accountant provided to Wyndham ) 5. SSA Release At no time was there request for additional income verification based on what I provided based on Wyndham requested docs or earlier notice that my income was insufficient to qualify. WyndhaXXXX proceeded with doing the appraisal after sending my loan commitment with cost estimate. I asked why after they sent the denial of refi. 
My credit rating is over 800 based on XXXX and my XXXX. My net worth is in excess of $ XXXX. I demanded detailed explanation with a supervisor XXXX XXXX who knew nothing about my file who apologized on their lack of communication prior to the notice, re their underwriting standards and what specific to my refi application was lacking and why my refi application was denied on basis of inability to verify income or if they knew that there were issues with income verification why I was not notified and and why my appraisal went was ordered before all was ok 'd by their underewriters. They emailed me back with only a set of numbers showing the calculation without any explanation and asked whether their response was acceptable to which I replied no and that I would be filing a complaint