Public Mediation

US Bank-Dispute-#2315308

B. R. vs. Us Bank (Headquarters)
800 Nicollet Mall Ste 2450, Minneapolis, Minnesota, 55402-2459, United States
Amount Involved: $1,312.00
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Statement of Claim
Complaints Involved (6) - View
Claimant says:
"I filled out all the paperwork to get my house into a 30 year mtg, was told everything was approved. We aggreed that the appraisal money would be taken out after the appraisal was complete. The money was taken out of my acct, no word from the appraiser for 1.5 weeks, I was told it was cancelled and reordered. I then was told by the person I was working with my loan that my credit score apparently was too low to qualify for the loan now and the appraisal was put on hold. I was called the following week (2 days ago) and told that they could no longer help me. That a receipt was sent to my email and the funds were deposited in my acct. It has now been two days, the funds are not in my acct and was told it would "take several days" for the funds to be in my acct. Although the receipt stated it was deposited Monday 11/19/12."
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What Claimant Wants Hide
1. Compensation: Three weeks without the 512.00 in my acct to help with bills. I am pregnant! We agreed that the money wouldn't be taken out until after the appraisal was done. Dec 06, 2012 $500.00
2. Payment due: Appraisal and credit check Dec 06, 2012 $512.00
3. Damages: I was told to cancel with the previous company I was working with for my mtg as US BANK was going to help me Dec 06, 2012 $300.00
Just make me happy!
Claimant invites US Bank (Headquarters) to make a fair offer to resolve this complaint.
Cash total : $1,312.00
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Respondent's Counteroffer

There has been no response to this claim from US Bank (Headquarters). This claim will remain posted until resolved
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  • Comment: by Jennifer Sheehy — Online mediator
    • On: 12-04-2012
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  • Unfortunately, when applying for any type of loan, qualified does not necessarily mean you will receive the loan that you are applying for. The bank is under no obligation to lend money if the application does not meet their underwriting standards or regulations. The fees that you quoted as being charged to you are normal fees in the course of business for an application for a loan. I would check with your own bank to see what the delay is in getting the funds into your account, but sometimes refunds to bank accounts can take several days to post to your account. In the meantime, if you are still interested in applying for mortgages, you should get a copy of your credit report from annualcreditreport.com (which is the website that allows for you to pull credit reports from the three major reporting agencies) to see what you can do to improve your credit to help your chances for a mortgage application.
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