Review and analysis of over 327 complaints against U.S. Bancorp
U.S. Bancorp consumers have reported over 327 official complaints related to Application, originator, mortgage broker. Out of the 327 consumer complaints against U.S. Bancorp, 24% were disputed by the consumer (i.e. the consumer was not happy with how U.S. Bancorp responded to their complaint) and 97% were processed in a timely manner. 15% of consumer complaints against U.S. Bancorp resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 11% resulted in non-monetary compensation.
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U.S. Bancorp Mortgage application, originator, mortgage broker February 1, 2017 - I applied for a HELOC with US Bank roughly 5 months ago. During this time I have provided all requested documents and information for the application. I have been given the run-around for months and told almost monthly I 'd get some kind of update. I have received no credit decision even after all this time.... |
U.S. Bancorp Mortgage application, originator, mortgage broker February 1, 2017 - We applied for a mortgage with USbank on -/-/-. As of -/-/- they had not approved the mortgage. We recieved a letter on -/-/- stating " During the processing of your residential mortgage loan application, one or more elements have changed. '' The change was that they were going to charge us a fee of $960.00 for a rate lock extension. We have done everything possible to expidite this loan, including providing litterly hundreds of documents. We had to take a short term bridge loan at a very high rate while wating for the mortgage approval. We withdrew our application yesterday. ... |
U.S. Bancorp Mortgage application, originator, mortgage broker January 13, 2017 - This is second complaint, in past six months on Lender US Bank. Soon after last complaint, after years of trying and struggling with home payment after existing predatory loan, US Bank put me in loan modification process. I was to be approved as long as I made 3 Trial Period Monthly Payments, for each of both mortgages I have. I made those 3 months of payments for both loans. Those monthly payments, in trial period, were definitely better than what I had been paying for years. I was told on 2 different occasions, by - different associates, that those trial period payments were going to be p... |
U.S. Bancorp Mortgage application, originator, mortgage broker January 4, 2017 - In -/-/-, my wife and I purchased - - - at in - Ca, and I worked with - from US Bank to obtain a lot loan. - with - - - performed the appraisal of my property for U.S. Bank. After the appraisal results were obtained I disagreed with - findings and expressed my feelings to - and US Bank via telephone. I told - with US Bank that I did n't want to conduct business with - or - - - in the future. - said - would not be conducting future appraisals on my property. In the beginning of -/-/- I applied for a new construction loan from US ... |
U.S. Bancorp Mortgage application, originator, mortgage broker January 3, 2017 - I - Started working with - around -/-/2016 on a home loan I were often given misleading information on the American mortgage program I asked - twice can you buy any where you want in the state of - he told me yes the biggest misleading information that was given was after I had gone under contract in -/-/2016 the realestate agent submitted a inspection objection addressing safety concern and items that needed to be fixed the items would be the owners responseability to repair I received a message from - saying the appraisal has come in and it is subject to gutter down spouts... |
U.S. Bancorp Mortgage application, originator, mortgage broker December 26, 2016 - On -/-/2016 My partner and I met with ( - | U.S. Bank Home Mortgage Mortgage Loan Originator | -, OH - ). From our initial meeting there were a few red flags that my partner and I chose to ignore. He was 45 minutes late to our first meeting and he declined to provide my family and I a private location to discuss our loan situation despite the fact there was an empty office available. During our first visit we explained to - that we wanted to secure a VA loan. He said that would not be a problem even though my partner and I are not married. On -/-/- - suggested we contact ... |
U.S. Bancorp Mortgage application, originator, mortgage broker December 21, 2016 - We have been in refinancing process since - -, 2016. Our Loan officer is - - - number -. We have done evrything required in our part in a timely manner. We want to refinace to lower our interest rate not to pull out money. We thought it would only take about two months since everything is good our credit scores i payed off a medical bill which they did n't let me know until about 3 wks ago. So I payed it off. I keep calling texting my loan officer no response we are close to closing our loan but he does n't call us or get in touch with us. It 's not fair our time and money ar... |
U.S. Bancorp Mortgage application, originator, mortgage broker December 16, 2016 - We attempted to refinance our existing mortgage with US Bank. The refinanced mortgage was denied due to me being self-employed for less than two years. The denial for the mortgage is not my complaint. US Bank did respond to me and explained that it was due to human error that my loan application was accepted. My complaint is that they knew I was self-employed for only one year in the first discussion ( which was recorded ). They then collected numerous sensitive financial documents from my wife and I that they should have never requested or reviewed ( since I was not eligible for a loan with t... |
U.S. Bancorp Mortgage application, originator, mortgage broker November 30, 2016 - US BANK tried to force me to purchase a higher-risk product. The bank allowed my 30-year fixed Refinance application to expire, and then suggested I pursue a - ARM. This is what happened : Interest rates had fallen and I applied to Refinance my home mortgage with US Bank. I was able to lock a low interest rate of 3.375 % for a 30-year fixed mortgage on -/-/2016. My initial paperwork and documents were immediately submitted on the same day. I received Conditional Approval of the loan on -/-/2016. I quickly submitted the additional documents required for Final Approval on -/-/2016. Afte... |
U.S. Bancorp Mortgage application, originator, mortgage broker November 29, 2016 - I have applied for a new mortgage loan with US Bank. They asked me for several supporting documents including my tax returns and schedule - for - - that I owned. I file my taxes using - from - ( - and - ). I provided them my tax returns for -/-/- and -/-/- along with the - -. The - - format generated by - is different from the - seen on the IRS website, even though all the information is same on both the formats. Also, the forms I provided clearly state Schedule - on top and my tax returns have been accepted by the IRS and - is an IRS appr... |
U.S. Bancorp Mortgage application, originator, mortgage broker November 23, 2016 - Signed and Sealed under Affirmation, True to the best of our knowledge and belief. To : Federal Trade Commission, Consumer Financial Protection Bureau From : - - RE : Violators ; US BANK HOME MORTGAGE/ ACCOUNT NO. - By and through - -, - - -, -, New Jersey - This is a complaint of federal violations ; Pursuant to the Federal Trade Commission Act, Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 619 Obtaining information under false pretenses, And The Consumer Financial Protection Act of 2010 ( - ) ( Title - of the Dodd-Frank Wall Street Reform and C... |
U.S. Bancorp Mortgage application, originator, mortgage broker September 24, 2016 - U.S. Bank gave us a predatory Loan that we still hold on to this day. The Attorney - - of Oklahoma, never demanded that they fix the loan, and used the money for the - in his state for travel, dining out and other inequities. This is a disgrace to the consumer when you do not know when your home will be paid off.... |
U.S. Bancorp Mortgage application, originator, mortgage broker August 16, 2016 - -/-/- i called US bank to see if i could refinance my mortgage to a 15 year fixed rate. I spoke to - and asked if there would be any issue since in -/-/- i did get assistance from " keep your home California. '' after i was laid off. He clearly said NO. He ran my credit. Once he took all my information he said i qualified for a 15 year fixed rate at 3.25 % i was very excited because my mortgage would only increase - dollars a month. He gave me all the information needed to begin the process. I also payed $390.00 to begin the process. 3 weeks later - - in processing dept... |
U.S. Bancorp Mortgage application, originator, mortgage broker August 15, 2016 - I contacted U.S. Bank the week of -/-/2016 to refinance a loan on a lot we have had with them for over 8 years. I had 2 months to do this since the loan was due to mature in full -/-/2016. The delays from U.S. Bank in returning my calls and my emails, delayed the process to the point that I am now in default on this loan. I am still in process of re-financing and U.S. Bank has now reported my payment as 30 days late when they wo n't even allow me to make a payment unless it is payment in full. I am in this situation due to the extensive delays in U.S. Bank 's response time to my numerous c... |
U.S. Bancorp Mortgage application, originator, mortgage broker August 2, 2016 - I applied for a loan with USBank, for an investment property, a REO home, owned by another national bank. I already have a mortgage with USBank on my current home so I thought they would be easy to work with and they 'd sent mailers hinting at deals for current customers on additional mortgage opportunities. I had previously attempted to get a mortgage with another lender, who, within a few short days of application, informed me that they could not loan because there was no AC unit in the property ( the property was a foreclosure that was stripped of most appliances ). I told the USBank loan p... |
U.S. Bancorp Mortgage application, originator, mortgage broker August 1, 2016 - I contacted US Bank for a $ - investment property loan with a down payment of 25 % and more was available if needed. I originally spoke with, - - ( Originator ) and once - received taxed returns and a credit, he spoke with his supervisor and ran it through their system and approved the loan. The whole time he did not disclose the terms of the loan ( interest rate, apr, general basics of the loan ) I had to extract this information out of him piece by piece, but only after he said that he would provide this information once he received a purchase agreement, and when he did give info... |
U.S. Bancorp Mortgage application, originator, mortgage broker August 1, 2016 - US BANK mishandled a possible refinance that I applied for. They never kept me informed with the process or the people involved. I would just receive emails from multiple people requesting documents. Every contact was initiated by me. The only time the loan officer called to talk to me was to get my debit card information to withdraw $390.00 application fee. I became exhausted and frustrated with the process of not being informed, processors and officers changing. The appraisal was done and 2 weeks after I received the report I emailed the loan officer to ask why I was n't hearing anything f... |
U.S. Bancorp Mortgage application, originator, mortgage broker July 30, 2016 - I went to US Bank to get a home equity line and the appraisal was completely botched. I mean they used comps that were a year old and average prices for my zip code were up 13.7 % versus last year. It appears that the appraiser was completely incompetent or the lending department gave him instructions on a number to come in at.... |
U.S. Bancorp Mortgage application, originator, mortgage broker July 29, 2016 - I have tried to get a Mortgage from US Bank and have submitted all taxes & - forms etc, what ever they requested. After multiple delays on there part, mortgage agent went on vacation for two weeks as did - - the Supervisor for this - Colorado area, I was pushed aside, have been ignored on phone messages and emails. They I was told I do n't need a prequel letter til I have a sales contract. The real Estate Agent said without prequel letter we ca n't lock in rates or move forward?? So being -, & US Bank is aware of this, I have been pushed aside for bigger loans as mine is a very ... |
U.S. Bancorp Mortgage application, originator, mortgage broker July 12, 2016 - I contacted US Bank and told them there was an error on my - credit report - US Bank showed an account ending in - with a balance of $270000.00 ; this amount shows on my total mortgage debt ; this is a past mortgage that was paid in full when I refinance my home ; they wrote back saying it was an error in reporting and that they would correct the error on my credit reports - that was 2 months ago ; - the account shows it is still open with a balance of $270000.00 - - - ending account number is - - they have not removed this balance which shows I have $270000.00 more in mortga... |
U.S. Bancorp Mortgage application, originator, mortgage broker July 7, 2016 - I have been trying to facilitate a short sale for the homeower - and - -. This file has been completed including values, sellers information and short sale docs needed for well over 30 days. I have lost - buyers already. This file has been in progress for over 6 months and since our last buyer made their offer its been sitting there with absolutely no updates, no movement for over 30 days again. I have asked that the file be escalated and someone to call me back, but after - separate attempts at that no one is still responding and the file still has not been reviewed by the unde... |
U.S. Bancorp Mortgage application, originator, mortgage broker June 15, 2016 - Ref Case number : - Again unfortunately, the representative of US Bank did not address my complaint accurately and did not explain why the loan officer or the loan processor communicated for the additional information and clarification they need. I received only two calls and most of the time I was chasing US Bank asking if they need additional information or clarifications regarding this loan. In addition, I asked to close my checking account ; I deposited $25.00 per the loan officer recommendation. Why I am receiving back only $5.00? see attached file As I mentioned in my previous co... |
U.S. Bancorp Mortgage application, originator, mortgage broker June 12, 2016 - U.S bank denied to refinance my current loan because they were " Unable to verify residence '' despite providing a - and an approved -. I currently have an FHA loan that originated with my brother who is a Permanent Residence. I ca n't refinance with my brother now due to his poor credit. ... |
U.S. Bancorp Mortgage application, originator, mortgage broker May 27, 2016 - I worked with US Bank to secure financing for a condo -. I worked with - - at US Bank to get information on my loan. Initially, I was informed that I had sufficient information. Once I started working with Loan Processor - - -, it all went down hill. Due to US Banks extremely high closing costs, I reached out to - to update the amount of my down payment, so I could free up cash for closing cost. - informed me this was ok. Feel confident and getting reassurance from US Bank , I proceeded with the loan. However, things started feeling odd. For example, - was persistent... |
U.S. Bancorp Mortgage application, originator, mortgage broker May 26, 2016 - I applied for a home loan from US Bank National Association, - - -, -, CA -, and was wrongfully denied a loan. Less than a year ago, I purchased and moved from a duplex into an excessively large home. It seemed like it might be fun. After being in the very large home for less than a year, it was obvious that this home was not for me. I made a mistake. It is much too big and uncomfortable. It is too much for me to manage. I started looking for a smaller home with a large yard, that would better suit me and my dogs. There were - homes that caught my eye that - had - squar... |
U.S. Bancorp Mortgage application, originator, mortgage broker May 25, 2016 - During our loan process, our mortgage loan officer did not fully disclose all of the information needed. For instance, as first time home buyers we were unaware that our interest rate would change if our closing occurred more than 60 days after we placed our offer. Even though we were in conversation with our loan officer before / between every step in the offer and negotiation process, this information was not disclosed to us until after we signed our contract. Also, as we came within a week of our closing date, we contacted our loan officer - only to receive an automated response informing ... |
U.S. Bancorp Mortgage application, originator, mortgage broker May 22, 2016 - I filed for bankruptcy -/-/-. I reaffirmed my mortgage through US Bank Home Mortgage and they deleted one of the only good standing accounts I had on my credit report. This is not fair. I 've been paying every month since -/-/- which was my first payment. When I called 2 months ago I was told they would investigate but nothing has happened. I want it back on my credit file in good standing as it has always been. ... |
U.S. Bancorp Mortgage application, originator, mortgage broker May 5, 2016 - On -/-/-, we were pre- approved by US Bank for a Motgage loan of up to -, We were wanting to see if we could buy a house where I boy -, after the approval we found a home for - called the bank got the paperwork started and on -/-/-, everything was approved and we actually signed paper work and the appraisal was ordered, they had called my insurance company on -/-/-, to get insurance coverage. They emailed me -/-/- to get drivers license copies which I know is down to the final closing part, and bank statement copies to verify closing costs, on Thursday -/-/-, ... |
U.S. Bancorp Mortgage application, originator, mortgage broker May 3, 2016 - US Bank suggested that I do a loan modification because I was always a few days late on my mortgage but never more than 30 days late. They said that my mortgage would be lowered as a result of the modification. The modification did not lower my mortgage as US bank stated it would. They told me I needed to make payments through - - which I did. As a result of me making my payments through - - and them not applying them immediately they reported several late payments to the credit bureaus. I do n't think this is fair because I would not have been interested in the modification if the... |
U.S. Bancorp Mortgage application, originator, mortgage broker May 3, 2016 - US Bank suggested that I do a loan modification because I was always a few days late on my mortgage but never more than 30 days late. They said that my mortgage would be lowered as a result of the modification. The modification did not lower my mortgage as US bank stated it would. They told me I needed to make payments through - - which I did. As a result of me making my payments through - - and them not applying them immediately they reported several late payments to the credit bureaus. I do n't think this is fair because I would not have been interested in the modification if the... |
U.S. Bancorp Mortgage application, originator, mortgage broker March 23, 2016 - My house payment was in the - range. US BANK OFFERED A REFINANCE SO THAT WE COULD PAY OFF MY - LINE OF CREDIT WITH THEM. They raised our interest rate by - points. They did not pay off the - line of credit that the claim I owe. My - husband opened this line of credit & ai thin at least half should be removed. They face my husband ( the new one : - - a limited amount & only let him pay off certain debts. We now have a larger house payment, higher interest & they refuse to roll in this line of credit that 's chocking me. We worked again with - at your branch on - only ... |
U.S. Bancorp Mortgage application, originator, mortgage broker March 22, 2016 - Reference to Case number : - Unfortunately, the representative of US Bank did not address my complaint accurately and specifically explaining why the loan application was mishandled from the beginning : - I would have promptly clarified the contradictory information if was brought to my attention immediately without any delay. - As I mentioned, I have over 25 years of gainful, professional employment with - earning a very good amount of money each month, with or without extra allowances and I have a saving over $ - in my 401K - Still US Bank is challenged calculating basic math : My ... |
U.S. Bancorp Mortgage application, originator, mortgage broker March 2, 2016 - I went in to my bank with all the needed documentation so I could get an adequate loan estimate. I was prepare to not proceed at this time if it did n't make financial sense. I was looking for a refinance. I explained I 'm a single mother living paycheck to paycheck struggling to pay my mortgage for the home I bought with my ex and I 'm not attempting to keep my home on - income. I explained I had little to no money to bring to close. She understood, presented me with options and provided me with a loan estimate with a cash to close estimate of $54.00, which I was comfortable with. I then... |
U.S. Bancorp Mortgage application, originator, mortgage broker February 22, 2016 - A leading financial Bank has charged me the loan application fee twice for a new home loan. Even though I have pointed this out to them and provided them all the details about the double charge, they continue to deny and are not providing any direct explanation and neither refunding the application fee. They have charged me $390.00 once against my - card and then a second time as a loan charge on my escrow statement ( without any corresponding credit ) ... |
U.S. Bancorp Mortgage application, originator, mortgage broker February 20, 2016 - Opened a checking account last year with US Bank then decided to refinance house with them. Started this in - - after making me jump threw hoops and making me pay for underwriting fees up front or they would cancel the loan if I didn't.. I finally got a call from the loan agent saying we were in final in - - nothing was said when i spoke to him about taking - dollars out of my account and not telling me. When I noticed the next day when I was in the negative in my account. Called him and told him he needed to put the money back that things where going to bounce he said not to wo... |
U.S. Bancorp Mortgage application, originator, mortgage broker January 25, 2016 - I have been waiting 6 years... YES... 6 years... under the constant promise that my bank ( US Bank ) was going to get us an affordable mortgage so my wife and I could keep our home! Anyone who hears this story can not conclude that this is our fault! The bank has held all the cards. They have been stringing us along with the hope that we were going to be able to save our home. I have laid out all the particulars in my complaint, including the FACT that US Bank lost all of our documents! ALL... lost... and yet somehow it 's our fault that we have been delayed and have not been given an affordab... |
U.S. Bancorp Mortgage application, originator, mortgage broker January 9, 2016 - On -/-/-, I made application via my mortgage broker for a Real Estate Secured Loan with US Bank Home Mortgage. 1. US Bank issued a Loan Estimate on -/-/- - 15 [email protected] ( rate not locked ), contingent on customer-supplied documentation within 10 days. The required information was provided by myself and my broker within the specified time limit. 2. US Bank required more information / documentation -/-/-. The extra required information was provided by myself and my broker within the specified time limit. 3. US Bank issued another Loan Estimate on -/-/- - 15 [email protected] (... |
U.S. Bancorp Mortgage application, originator, mortgage broker December 29, 2015 - After reviewing the USbank denial report, I concluded that this decision is completely unfair and irresponsible for the following reasons : 1.My DTI is at - % ( my income is $31000.00 per month + rent $3500.00 from property ) my obligations is ONLY @ - for the mortgage on the rental property I own in - - - , CA - 2.Delinquency regarding my late payment on the - credit card was explained in a document was submitted to USbank, the amount was $300.00 and we did not received the final bill because of our move to - on -/-/2013. 3.They are no revolving accounts for m... |
U.S. Bancorp Mortgage application, originator, mortgage broker December 28, 2015 - I am in the process of trying to purchase a house. As an individual who is -, securing a mortgage is difficult. So, - of my goals in this process was to secure down payment assistance through the Ohio - - - who uses US Bank as the loan servicer. Long story short US Bank changed the eligibility criteria by raising the credit score - points. So, many are no longer eligible or will have to delay becoming a homeowner. Naturally this action hurts the consumer client base that down payment assistance is suppose to help. The justification US Bank offered by the action is an increase... |
U.S. Bancorp Mortgage application, originator, mortgage broker December 5, 2015 - I applied for a US Bank Mortgage nearly 4 months ago and my loan officer indicated that my file was underwritten near 4 weeks ago and I responded to - questions from underwriter. I was supposed to close on my new home in - on - - 2015 and at this stage US Bank is indicating that they can not let me know when my home will be funded and closed. Also US Bank has had my file with their compliance department for over 2 weeks and I am very upset and disspointed with the whole process. ... |
U.S. Bancorp Mortgage application, originator, mortgage broker December 4, 2015 - I applied for a mortgage through US BANK and they have been working on it for almost 45 days now. I get a phone call yesterday stating we ca n't close on time because they do n't have everything they need done. The bank would call us and give us less than 24 hours to get them what they need instead of calling ahead and letting us know what they need to get the loan to close. Then they say they wo n't be able to close for an additional 2 weeks. They push all the blame on me and my agent saying that if we would have gotten everything to them in time they would have been able to close the loan. H... |
U.S. Bancorp Mortgage application, originator, mortgage broker November 25, 2015 - Hello. I am a little late submitting this complaint but I want to log my experience so it never happens to anyone else. I was applying for a mortgage from US Bank this summer and had the most horrible experience. We were in the process of selling one home and buying another. US Bank pre-qualified me for $360000.00 and then would not stand by their pre-qual letter when I attempted to buy a home for $ -. I went through months of back and forth supplying documentation to support all of my income. At the end of the day, the denied the loan but I had already proceeded with a local state credit... |
U.S. Bancorp Mortgage application, originator, mortgage broker November 25, 2015 - This is the - time I have tried to get U.S. Bank to clear up my credit report for my mortgage with them, I will attach my credit report from -/-/- and -/-/-, along with my last compliant, U.S. Bank was reporting on my credit report for 99 months, that is from the time I purchase my home -/-/- to the present and with that it was showing that I was past due 13 times for 30 days and two times late 60 days but there was no dates for when the late payments happened. I have been trying to refinances my home since - and was told by - - - - and - - Bank that they... |
U.S. Bancorp Mortgage application, originator, mortgage broker October 12, 2015 - Applied to US Bank for a refinance of original US Bank mortgage and a US Bank equity loan ( all inhouse products for them ) on -. They required me to write them a $1900.00 check for Escrow of insurance and taxes even though I had a $2200.00 escrow balance with them on the existing mortgage. As of -/-/15 they have yet to refund my original mortgage escrow balance. They sent correspondence that any balance due would be issued in approx. 30 days. The first due date was on - and they have had more than 30 days to issue funds. These funds were also in their possession so they could ... |
U.S. Bancorp Mortgage application, originator, mortgage broker October 12, 2015 - Background : We have been a loyal US Bank Platinum '' customer for more than 15 years with credit scores in the mid - 's. We have not missed any payments or ever been late on any payments on our existing loan, which US Bank originated approximately 5 years ago. Our current LTV and debt-to-income ratios are under 50 %. Details : In -, we received a marketing piece from US Bank advertising a fixed rate of 3.5 % for a 20 year refi loan. At the time of application, the rate was 3.625 % with zero points for a 20yr refi loan. We submitted our loan application at the local US Bank branch on -... |
U.S. Bancorp Mortgage application, originator, mortgage broker October 4, 2015 - it took me 10years to fix my credit when up to - I pay lots of money to fix my cccccccc credit some reason in 2 months my credit when down to - with - credit bureau I need consumer financial help me to get my credit up to - so I can get home loan ... |
U.S. Bancorp Mortgage application, originator, mortgage broker September 30, 2015 - US Bank, in a continuing pattern of bad faith and harassment, sent me a letter dated -/-/- regarding loan application # - that claims THEY were denying my loan application based on an old tax lien ( based on a -/-/- tax dispute with the IRS ) and high credit card balances when IN FACT, I withdrew the application back in -/-/- of this year due to their bad faith and inability to process a simple loan request ( $110000.00 ). They ultimately refunded my loan origination fee, the appraisal fee and refunded - of additional money I agreed to pay the seller because US Bank fail... |
U.S. Bancorp Mortgage application, originator, mortgage broker September 25, 2015 - I refinanced my mortgage loan from US Bank through - -. I was told that I should receive a check for approx. $700.00 - $800.00. I eventually received a check for $200.00. I have tried 3 times to try to resolve, US Bank treated me horrible. On the - time the gentleman from - - conferenced called with me it took a hour and approx 15 minutes did not get anywhere at all. I am told that I should have received $270.00 times - plus the - making a total of $750.00. It seemed when explained by - - US Bank did n't want to understand him at all, totally frustrated whe... |
U.S. Bancorp Mortgage application, originator, mortgage broker September 14, 2015 - Dear SirsUS Bankloan number- - -I am writing to you because I have some concerns with this MISTAKE '' by US BANK .. '' DISTRESS OR FRUSTRATIONS '' Yes we did a short sale, due to my a unforeseen Illness in myself and I could not work in -/-/-, We did not buy nothing for over three years, just made sure we repair our credit. because of US Bank mistake we have higher Auto insurance, we could not even get renter insurance, because of itwe are now paying higher interest rates on our vehiclesIn -/-/- we started the process of buying a house After 5 years of waitingwe paid for es... |
U.S. Bancorp Mortgage application, originator, mortgage broker September 9, 2015 - US Bank has had - my sellers files under review for short sale approval for the - time since -. The file was completed and sent to a negotiator for a new BPO to be ordered and a new value to be placed on the property. I notified the bank several different times regarding the condition of the property. There was a break in about a year ago and all of the plumbing, electrical has been removed from the home.. US Bank filed an insurance claim against the property for the damage done, but never did fix anything. I was notified by my new negotiator that the BPO was in. That was strange due ... |
U.S. Bancorp Mortgage application, originator, mortgage broker September 7, 2015 - This is a very sad story I do n't want anybody else to live it again. I should have been living in my new home since three months ago but, because US Bank did the wrong thing, I am still renting for about the same amount I was going to pay for my own place. US Bank and its employees banned my dream to become true by not following the law, by discriminating me for my age and by not using proper customer service. - -, 2015 I decided to buy a house as my primary dwelling, and signed an electronic contract to buy the one at address - - - -, - Arizona -, with developers of t... |
U.S. Bancorp Mortgage application, originator, mortgage broker September 2, 2015 - In -/-/- i purchased a home with a co borrower. The agent of the - loan in -/-/- told me my coborrower could not sale or borrow without my permission. In -/-/- my coborrower took out a loan without my knowledge and/or permission. The agent for the - loan knew i was a coborrower and the property owner because i met with him and the coborrower in the agents office. I refused to complete the loan. The agent research the records of dead found a deed with just the my exfiance name and gave him a loan. The exfiance took that loan to another organization and refinance with them. ... |
U.S. Bancorp Mortgage application, originator, mortgage broker August 23, 2015 - This complain is against U.S. Bank Mortgage Home Mortgage, - Minnesota office. I provided financial information to the Bank as requested, in order to start the processing of my mortgage loan application. The Bank then filled out the Uniform Residential Loan Application ( - - Form - ) and returned the form to me for my signature. The Uniform Residential Loan Application as filled out by the Bank misstated significantly my financial condition. I was instructed, nonetheless, to sign it, even thought the line above the signature box stated : '' I/We fully understand that it is a Federa... |
U.S. Bancorp Mortgage application, originator, mortgage broker August 19, 2015 - Where do I begin? This is my story long story short. In late - I submitted a bid on a house. I pulled the plug on the loan process in mid -. The process was terrible. My credit was pulled - times. I was told by my loan officer that she was being sabotaged by her co workers and that they were hiding my paperwork from her. My loan officer sent me - pages worth of someone else 's loan and personal information and asked me to sign it and when I told her she chanted I 'm only human ''. The loan officer missed our close date - times causing Us Our lease on our home and almost the sal... |
U.S. Bancorp Mortgage application, originator, mortgage broker July 16, 2015 - I recently submitted a request to US BANK to participate in the HAMP modification program. I had been redundantly asked to re submit information concerning my employment status because of a misfiling of the original paperwork. I absolutely understand having to clarify paperwork. However I do not and can not understand why I would be repeatedly asked to re submit the same information. Each time having changes in the demanded paperwork ie ; first request being for -/-/- info then expanded to -/-/- and -/-/- ' or paperwork was originally requested to have acct # then expanded to ac... |
U.S. Bancorp Mortgage application, originator, mortgage broker July 13, 2015 - I -/-/- I applied for a refi. for my home through US Bank in - -, MO. Despite a - credit score at the time and having purchased the home in -/-/- and received financing from another bank, the process took 4 months! During the process I was asked repeatedly to provide the same tax information ; including a visit to a local IRS office, with a 2 hour wait, using instructions from the bank, only to be told the information obtained was unacceptable to US Bank. The process did not conclude until -. I feel I was discriminated against due to my being - -, it is hard to imag... |
U.S. Bancorp Mortgage application, originator, mortgage broker July 11, 2015 - USB contacted me because their records on me indicated I should qualify for refinancing my mortgage and equity line ( they 'd tried a year ago ). I wanted to have them all be - loan ; I got told had to be separate and with a 20 yr. on primary. I never signed an authorization to proceed. I got several things in the mail including what to submit - I began sending but had not done all the required documents yet and then saw that the amount of my primary mortgage was in as equity line instead of reverse ( a --fold difference ). I emailed ( the way we 'd been communicating ) asking for the m... |
U.S. Bancorp Mortgage application, originator, mortgage broker July 2, 2015 - On - - 2015, I was issued a mortgage modification from USbank with an interest rate of 4.95 %. The mortgage is a - - mortgage. According to the - - website, banks who service - - loans must use their standard interest rate on all modifications. On - -, 2015, the - - rate was 4.125 %. A month prior to that it was $ 4.0 %. Why is there a discrepancy between what what - - is issuing and what my Usbank ( the servicer ) is charging me? Many thanks. ... |
U.S. Bancorp Mortgage application, originator, mortgage broker June 23, 2015 - I was denied a refinancing loan amongst other loans because a mortgage loan with US Bank reporting negatively on my credit report after it being closed since 2008. ... |
U.S. Bancorp Mortgage application, originator, mortgage broker June 4, 2015 - On -/-/-, at approximately -, I met with - in her office, NMLS # -, a US Bank Mortgage Loan Originator in - WI - - had requested some documents necessary to begin the loan processor. - had me sign an authorization to pull my credit report. I was charged $13.00 for that report. - upon pulling my credit report, went over with me, line by line. I advised her about my foreclosure that my wife and I had in -/-/-. - noticed the foreclosure and an outstanding vehicle loan on my credit report. - had advised me to pay off the car loan as soon as possible so to ... |