We still need to verify tax returns and request that they be provided. We never see the information requested and the customer never contacts us again.
Based on the post I have to assume the information was requested verbally and not by a written notice of incompleteness. If that assumption is correct you have a denial for an incomplete application.
If you did provide a written NOI then you have a closed for incompleteness.
The opinions expressed are mine and they are not to be taken as legal advice.