U.S. Bancorp Mortgage Complaint

U.S. Bancorp Mortgage department,

Conventional fixed mortgage Settlement process and costs Wisconsin

Whilst getting a replacement debit card, due to a stolen account number, the personal banker suggested a refinance on my existing FHA mortgage. She said she could beat the rate I had, but I need to submit some info to " LOCK '' in the rate, which could be done over the phone. However once everything was completed & we showed up to sign the paperwork, there was a higher interest rate than what we had " locked ''. Then the manager to tell us they do n't lock rates. And we had to wait for everything to go through before we would know what it is. In other words, w/o telling us in advance, they claim no one knows there rate till signing. Which does n't make any sense, why would anyone waste their time then? So someone is lying, or covering up for someone not doing their job & locking in my rate. Either way, I feel that this was a " Bait & Switch '', and this bank should be ashamed of treating a customer of over 10 years this way. Due to this, we had to go with another loan agency. During this transaction, we found out that we had lost thousands of dollars in interest savings by wasting our time with US Bank.