Banc of California

Dear Mr***,This is in response to your complaint filed May 13, 2016, with the Revdex.com in which you stated dissatisfaction with your mortgage loan application with Banc of California, N.Adba Banc Home Loans (the "Bank").On July 15, 2015, you were referred to the Bank by [redacted] *** for the purchase of a new home ("Subject Property")At that point you had already been declined by several other lenders due to the foreclosure that appeared on your credit report with respect to the property located at [redacted] (the "Las Vegas Property")The Las Vegas Property was included as part of a bankruptcy action that was initiated approximately four years agoAlthough it was unclear why the lender on the Las Vegas Property did not remove your name from the property's title until about months ago, the Bank proceeded to make a portfolio loan which was secured by the Subject PropertyIt was our understanding that you were extremely satisfied, given the excellent review that you gave our tearn in addition to sharing those sentiments with [redacted] ***.We previously informed you, per [redacted] guidelines, that we may be able to refinance the Subject Property after six months had lapsed from the date of the Portfolio loan's origination because seasoning on the bankruptcy Would be met at that timeSix months after the transaction closed, the Bank's loan officer entered into discussions with you concerning a possible refinance through which the Bank might reduce your interest rate and convert your current mortgage into a 30-year fixed rate mortgageIn order to accomplish the refinance, it was necessary for underwriting to confirm the Las Vegas Property was included in the bankruptcy action, which had been discharged more than four years priorUnderwriting did not receive documents that satisfied the dischargeBecause of this, the Bank could not approve the new loan and advised you of the credit declination.After you subsequently provided the requested documentation discharging the Las Vegas Property, your loan application was re-submitted to underwritingUpon review of your credit report, the Bank found an additional foreclosed property ( [redacted] **), The Bank requested documentation to support that this property was also protected under the bankruptcy action and that it was later released and sold - not foreclosed as you indicated to the BankYou were unable to provide any supporting Information; therefore, based on the credit information available to the Bank's underwriters your credit application could not be approved.I hope this letter provides a satisfactory explanation of your registered complaintIf you should have any further questions or concerns, please do not hesitate to contact me at [redacted] ,Regards, [redacted] Banc of California Vice President, Customer Service

Hello, I spoke to this consumer yesterday and we have resolved her complaint We are refunding the $ I am waiting for the check and will enclose it in a letter and was going to send this to youAre you able to reopen this complaint # [redacted] and I can resolve it with the letter that will be sent to her next week? Thank you, [redacted]

Dear Mr [redacted] :We are writing in response to your concern filed on August 1, with the Revdex.com regarding the handling of your loan application with Banc of California, N.Adba Banc Home Loans (“Bank") and the request to be reimbursed for the appraisal and termite inspection.We have reviewed your loan and it is our understanding that your loan team has been in contact with you and you are proceeding with the loan applicationThey have provided you with information needed to continue the loan process and since your application has not been withdrawn and is awalting approval, we are unable to refund the fees requested for your refinance of the property.Please accept our apologies for any inconvenience this matter has causedI hope this letter provides a satisfactory explanation of your registered concernWe appreciate your business and hope we can continue to work together to approve this loan for youIf you should have any questions or concerns, I can be reached at ( [redacted] .Sincerely, [redacted] Banc of California Vice President, Customer Service