self explanatory. No money, no return ticket, insufficient funds, previous overstays.. they believed he's here to stay for good. What else do they need to deny him?
There is a possibility she got refused for a few reasons. You need to establish a good reason to visit, enough money to spend for the duration, usually around 20k baht, and a good reason you will return. Some SE Asian countries require that to enter as well.
I am not sure about visa extension as I am on DTV and I obtained it myself. My comment was in regards to opening bank account. I did extensive research and found two reputable agents in Pattaya. I don't live there but I was willing to go there. They both said the same thing. So I gave up trying to open a bank account.
I don't what you talking about, but it's funny you use the word " fraudulent ". Agents has these services posted all over the place and have offices. If they were fraudulent, they would all be arrested by now.