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Hello, thank you for the question.
I don't mean to be flip about this, but people expect certain rights as against their bank. Yes, consumers do have protection. But nobody has a right to insist on getting something from a bank on their own terms.
The bank can turn you down for any reason or no reason at all. There are plenty of banks, trust companies, credit unions, and private lending organizations as competition, so if this bank doesn't want your business then it's their loss. It's a business relationship, contractual, at the end of the day. Fairness and human rights and respecting your discharge don't really enter into it.
Does that make sense?