I was looking to refi my property which I own business. My agent. Said he was gon na take me to Wells Fargo in the city of XXXX California. I than explain to him that I had an personal and business account with Wells Fargo for the past 15 years. He express that he has talk to the manger already. And we where good to go. I was not trying to get any money. Just wanted to refi for better interest rate. Than I already had. So once we go to the bank. We introduce ourselves to manger. The manger than has his assistant to go over everything with me. And had me open another account. So I would have an account there. He than express that he needed a couple days to go over my account history with Wells Fargo. Before the application could be process. So he would contact me with tin 48 hours. And would contact me ang my agent. I did n't here back from him. So I called my agent. To see what was going on. He contact the agent. My agent stated that the agent at wells explain to him that. My app could not br process. Do to the fact that I had a delinquent bill that was unpaid. And policy was anyone that has had a delinquents with wells and unpaired accounts. Policy was that app could not be process.i than told my agent that I have not ever not paired anyone. And any debt with wells I paid. And that I had my recent and updated XXXX report. To prove than wrong. So I spoke with Wells Fargo agent and explain he was giving me inaccurate information. So he explain that in 10 working days I would be contacted by mail. Why I was denied. Ten days past I never heard anything. Months past still waiting for the mail. So it had me with sleepless nights. So I than went to my branch. Where I first open my account. The agent there went over my business and personal account. And could not find anything. So a months later I go to another Wells Fargo in my area. I had more sleepless night. Cause I felt race played a big part of this matter. I fell discriminate against. That 's why I was denied. So I talk to the manger and explain my situation at that I had at the XXXX Wells Fargo. So he got on the computer. And could not find anything. So he explain to contact Wells Fargo XXXX XXXX XXXX. That they could dig deeper cause the had more microfilm.but I had to write than.that they did not take calls. So on XXXX 2016 I sent a certified letter explain my issues I had with Wells Fargo denying my application. Which I received receipt back on XXXX XXXX 2016. That my letter was received by agent XXXX XXXX. So again I waited for response. So again no response. I called Wells Fargo customer service. And explain my situation. And that I needed to speak with someone at Wells Fargo business direct dispute. So they end up transferring me to an agent there by the name of XXXX. So after going over everything with her.. She ask me do I still have letter. Also did I recall who I dealt with at the XXXX branch. I told her no. But I than called my agent to took me there. He explain that the guy was the manger. And name was XXXX. So I called her back and give her the info. So she did inform me that she would investigate and call me within a couple days. So I did n't hear from her so I called and left massage. Next day one of her agents called by the name of XXXX XXXX ext XXXX. He explain that the letter was received. But no one could not find the letter. So I than as how could letter be missing. And know one knows what happen to letter. So he ask me did I still have a copy of letter. I inform him that I would have to go thru my files. I fell this whole ordeal played discrimination. And unfairness to a valuable customer for over 20 years.