Us Bank Usbank
US BANK ripoff fraudulent billing

I was going to apply for a refinancing loan at the same bank I have my current loan. I went to my local USBANK and she told me that I would receive a call to get the application started. The lady that called me asked for a credit card number so she could add it to the application for their fee of $400 (outrageous fee). I assumed that the fee would not kick in until I made application. I received an application in the mail and it had a 5% closing cost with points added.

It wasn't an application at all. It was final papers to get the loan started. I called her back and objected to the application and told her that I would not do a loan like that with the wrong interest rate and points added and such a large closing cost. A few days later there was a charge on my credit card for $400 for an application that I never sent in. My wife never even got a chance to see it. I then received calls from the appraiser, title insurance and received a credit score in the mail.

I never authorized any of it. I just wanted an application to fill out and a good faith estimate. I went back in the bank to demand my money back. They seemed shocked that I would even ask. They told me that "we had a verbal agreement on the phone."!!! I didn't know banks made verbal agreements. I'll see in the next few days if they refund my money. If not, I'll take them to court. This is one of many sleasy problems I have had with USBANK in 11 years of business. My credit score is 797 and I have never been late or missed a payment with any place in my life. They sure know how to keep a guys business.

Company: Us Bank Usbank
Country: USA
State: Minnesota
City: Bloomington
Address: 1550 American Blvd
Phone: 9448764410

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