Not eligible for Refinance , any suggestions?

[Ean McNaney]

Ean - 29 - Baltimore . 1 Flip , 1 rental 

   I bought a short sale property in the Baltimore area over a year ago for $38,000 and own it out right. Since then i have fixed it up myself and it is now worth over 100k . I currently rent one room and plan on renting all three out and the basement as soon as i fix up the basement. This would bring in around 2k a month. 

A few months ago Wells Fargo froze my bank account for over a month due to a ( what they thought was ) a fraudulent charge , therefore preventing me from making other CC payments for the month and dropping my credit score 200 points making me ineligible for a refinance or HELOC etc.

  My question(s) would be , is there any suggestions anyone has on how to get a refinance or anything similar ( pulling money from the home to pursue other properties ) other than a standard loan that checks credit ? My second question is does anyone have any suggestions as to how to deal with the bank? I already have Lexington Law and have written many letters , Wells Fargo even wrote an somewhat admittance of guilt letter but will not fully admit the correlation between them closing my account temporarily and me not being able to transfer funds to other accounts to make payments . This is a huge deal to me because i wish to continue investing in real estate but this will be difficult with such a poor credit score . At this point my ambition and career is on stand still while i wait for this to be resolved 

    Thank you