Quicken Loans review: Refund appraisal

My wife applied for a loan with Quicken in 2016 and underwriters found a foreclosure from 2014, that listed her as a defendant. The property was listed and dismissed in 2009 in a bankruptcy. This loan was in MY NAME ONLY. The Mortgage was in MY NAME ONLY. We explained this and after it was researched, the loan was approved.
In January of this year my wife applied for a refi thru Quicken. The foreclosure came up again. She explained that it came up previously and was approved. But, the loan was denied. She was told if she could provide a copy of the Mortgage proving she was not on the loan it would be approved. She had no copy. She told them the previous underwriters were able to confirm and approve the loan. But she was told it had already been declined.
I began to look at the court documents and found the copy of the Mortgage, with the court stamp, used for the foreclosure. Proving the note was in my name only. I went back to Quicken to request her $525 appraisal. A nice lady named Jaya transferred me to Kevin. I told Kevin that I had the document. He first told me that the credit check shows a foreclosure. I told him were unaware until 2016 it existed. I replied my wife's credit score is over 750 and we have never seen it on a credit report. Then he told me that because we were married she had to be on the title, several times. I replied homes have loans and Mortgages and she was not included in either. The underwriters could have easily have found the document that I did. Why should she be denied a refund for their oversight. Over sight that she made them aware of. And previous underwrites found. He said he was sending me a voucher for a free appraisal to be used at a later time.

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