US Bank reviews and complaints 1
View all 859 complaintsUS Bank - Refinance mortgage
I have been waiting 4 months to refinance my mortgage. I was in contact with John Benson Mortgage Loan Officer NMLS# 1057524. He does not communicate with me on the progress. I have tried to contact him many times with calls and email. So I cancelled my refinancing with him and is refinancing with another mortgage co. John Benson is now threading me with applications charges and told me "You will pay for this". I find this unprofessional and classless. How can US Bank hire this type of people, where threading people is OK.
Desired outcome: Get John Benson to stop harassing me.
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US Bank is a total scam artist Bank. They use a 3rd party credit report company called Equifax Mortgage credit Services, And they will give you the worst credit report possible, and there is nothing you can do about it, you can try and call them but that wont work, they wont answer. You can reply by mail only to receive a smart [censored] letter pretty much telling you to bad. US Bank will then use this credit report to either deny you a refi or charge you a higher interest rate. If you are denied a refi on a mortgage that you set up 15 years prior and it has a ballon payment, well then youre pretty much in trouble. They will make you fill out tons of useless paper work, request info that is impossible to locate, call you every day to ask why they documents they have requested are not uploaded yet. Then stain your credit history even more by reporting that you are behind on a mortgage payment that you cant even make because of the balloon payment. all or none. Think twice before you let them set you up with a balloon payment, they will lie to you and say all you have to do is refi when they loan matures. Easier said than done. They should just say, this is when we will take your property from you. Crooks. Stay away from US Bank at all cost.