I am being asked for a release of Notice of Commencement from a bank I am trying to refinance with but i do not have one.
There is no such thing. If the contractor has been paid then they have an obligation to sign a waiver of lien. If the contractor does not respond, then call the local building inspector. They have no official police powers, but building inspectors can ban contractors from pulling any more building permits until they do their job properly by signing a waiver of lien for you.