Who will Reimburse me of expenses due to Wells Fargo error and oversite?

I had applied for a loan, Wells Fargo had receive all banking accounts, retirement accounts, savings accounts, W-2"s. I applied online I received a Pre-Approval/Priortiy Buyer letter, my agent said I should now start looking for a home, she new I was looking in Hawaii. I spent money for inspections, my hotel, car rental, dog boarding, food and gasoline. I spent $4468.55 on this trip, 7days before closing I was contacted by Wells Fargo, my current agent had left and I was assigned a new agent, Wells Fargo stated Amy Gooch and Wells Fargo had made a mistake on the paper work and could not lend me the money. I've contacted CEO's and VP's in the Co. Region, I received a form letter stating I would not receive the loan, ok, fine with that, what about the $4468.55, they refuse to give me that back after their mistake, do I have a leg to stand on or should I contact a my lawyer? And if anyone knows anyone from Wells Fargo, I'd like to set-up an appointment with them to discuss this matter

Public Comments

1. This is a tough one, because many times, applicants are "Pre-approved" as you state you were, and then later denied the loan they were applying for. Pre-Approval only means that you met the minimum requirements for approval, but you haven't been completely approved yet, because the company still needed to screen your credit for other things. It's very often that pre-approvals end in denials for loans or credit. So because you made purchases before actually being formally approved for the loan, you're going to have to eat that one. Unfortunately, the company never approved you for the loan before you made those purchases, so you don't have a leg to stand on with this one. Try to find another loan that will cover the $4468.55 you spent before you were approved.
2. The only way you have any chance of recouping that money is to talk to a lawyer, but even then I wouldn't be too confident that you will get reimbursed. By law, the lender has to refund any fees or costs they collected from you in relation to the loan, even if you decided at the last minute that you didn't want the loan. It's called the Right of Rescission. However, it doesn't cover your incidental costs that you incurred on your own. Talk to a lawyer for their opinion on if you have a chance of recouping some of your expenditures due to the bank's error. I would also ask them the specific reason they are denying the loan. Lenders make a lot of mistakes. Maybe it's something you can straighten out and they will close your loan after all? Good luck!
3. No-one!!!