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To Go Huskers (and anyone else); That's my predicament now.. I have written letters & filed complaints with the OCC/Consumer Protection Bureau & Better Business Bureau and all the letters go to the same VP at US Bank.. Kathy Gentry.. Who writes garbage every time basically stating that they apologize and say the fees are disclosed in some booklet that the fees are non-refundable. ***Come to think of it*** I don't even think I was given a disclosure booklet OR a Fee Deposit Acknowledgement notice! As indicated on my "Applicant Acknowledgement Agreement" she never checked that box that I received that disclosure booklet…Anyhow the letters never explain why Tabatha DeLeon (The Loan Officer, at US Bank Milwaukee) did this.How can I address the fact that she proceeded with the loan.. I have a copy of credit report ran just a few weeks before we had the accepted offer and days later we signed the Applicant Acknowledgement Agreement..To Cindy Quinton;I have a copy of the denial letter from US Bank/Underwriting. I am currently working with a broker (who is a close friend). Looking back, I realize that the Loan Officer never responded to the broker's emails. He did attempt to communicate with her but phone calls and emails she did not respond to. She only communicated directly to him days before the scheduled closing stating verbally that everything is a "go" the seller can precede with taking care of what she needed to. (She was re-locating.) Then 2 days later Tabatha called me with the sickening bad news that we were denied.
Our close date was supposed to be 7/27/12 (Our anniversary!). We did not celebrate that day.
I still lose sleep over this. Because we are out $764 and I don't even gamble..
I want to tell EVERYONE I know about this awful thing that has happened to me.
It's too bad that they didn't try to appease me. Kathy Gentry NEVER responded to my voicemail request to even meet with her and discuss this.
So yeah.. what now…
We were pre-qualified! We were given an interest rate, loan paperwork, and had to pay off some medical debt. Our problems were that we had a short sale 12/2009 and 2 late payments on a Wheda loan. But she didn't say that these were a problem at all. The Wheda loan was paid off, with that being said a recent paid medical debt was our only obstacle we had to tackle and we paid it off during this last year up to pre-approval. Our credit would only get better with time but we were denied! We both work full time... No one has real answers for me. Can I do anything to get my money back for appraisal and inspection? (Letters didn't work) Does this happen to other people? Why would a loan officer pre-qualify... give us green lights then the loan get denied at underwriting anyway?The appraisal came in above asking. Our debt ratio was no problem.Years ago I was told that medical collections were not factored into pre-approval for a home an thats has all sooo changed. SO This is why we paid off all the medical debt this year.Also I emailed the loan officer at US Bank- a letter explaining the Late Wheda payment.. an Im not even sure if she even sent the emails to them.
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