Probably very few retirees in Thailand that have actual retirement visas (O-A or O-X issued outside by embassy or consulate). More likely O visas issued outside or O visas converted from tourist visas or visa exempt entry at Thai immigration then granted extension of stay. Terminology please.
Vocabulary and semantics. It should be considered important that those “in the know” use the correct terminology. Visa v. Extension; Multiple Entry Stamp v. Re-Entry Permit; Tourist Visa v. VOR v. Visa Exempt, etc.
Based upon my experience, visas are not renewable. One must apply for an extension of stay or obtain a new visa.
It is easier to tell my friends in the US that I have a retirement visa instead of boring them with “I have a 90 day Non-Immigrant O visa based upon marriage to a Thai National that I obtained from the Thai Embassy in DC. I have applied for and granted extensions of stay three consecutive years from Thai Immigration.But I don’t have a retirement visa.”
She might try telling the embassy that her purpose for coming to the US is tourism. To see DC or NYC. You should not be seen by anyone at the embassy nor should she mention her American boyfriend.
Based upon my experience, this is quite true. My youngest stepson (in his early 30s at the time) was denied several times. No spouse, children, job, money, or property. US Embassy knew it was a ploy by his Mom to get him with us. Eventually, he got his green card.