Synergy One Lending

In October of 2019 I contacted a representative of Synergy One inquiring about a home refi. I submitted all my documents to him...he stated 'You are golden'. He ordered a credit check and said I was good to go, and then ordered an appraisal. The appraisal came in good and then all of a sudden he was unavailable. He would text me but wasnt available on the phone. (Thankful for that because I have our conversations in writing.). He then said I had a credit issue....he couldn't do the loan he said I could he had another loan to offer, and then he ran my credit again. He even said to talk to Wells Fargo about a loan, so I did. They ran my credit and said I had a poor score. I didnt know how that could be because I was ready to go in October. Wells Fargo denied me. Now I had 3 hard credit pulls in 2 months, my credit was destroyed and I had no loan. We got to December and he was still saying the loan would happen, and advised me to not pay my December mortgage because it would be rolled into my new loan with Synergy. He kept asking me to send more documents and updated account info. He then actually went on vacation without any warning and all I got was a vacation response on his phone and email. I ended up having to do a hard money loan through a private banker which cost me 20K. My credit was destroyed, and I paid 20K for a hard money refi. Now 7 months later my credit is back up and I'm ready to go with a great loan but because of the reckless advice and false claims by Synergy One...I had a mortgage late pay on my credit because I was advised not to pay it. It is the only late pay on my account. Now I cant get a loan even with a good credit score and 300K in equity on my house because a mortgage late pay is death to your credit score. I contacted his manager and he refunded the inspection fee and wrote a letter admitting the mistake and negligence. Do NOT use this company for home refinancing.