U.S. Bank (U.S. Bancorp) Review

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1.5 stars
Average rating for this product is: 1.5 out of 5

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Guest's Review of U.S. Bank (U.S. Bancorp)

14th Aug 2009

Overall Rating

1 stars
  • Telephone Banking
    1 stars
  • Local Branch
    2 stars
  • Customer Service
    1 stars
  • Internet Banking
    2 stars
  • Cash Point Facility
    1 stars

Where do I start?? First of all, my husband and I were tricked into getting a home mortgage with US Bank because they insisted they had a better deal because if we set up a Five Star Platinum account then we would get 25% off our loan origination fee. The loan officer told us to wait until the last minute to set up the platinum account because otherwise we wouldn't qualify. Great - $900 sounded good to us. When it came time to close (over a month later because it took so long for the loan office to get their stuff together) it turned out that they weren't paying ANYTHING (let alone $900!). The loan officer (which for one was IMPOSSIBLE to get a hold of and had horrible customer service) told me it was because we had set up the platinum account too late and that we should've set it up right away (opposite of what he had told us originally). When we called him out on that, he then said it was because the seller had paid all of our closing costs and that there was no origination fee left to give us a discount on.... which made us irate. The loan officer knew all along how much closing costs were and how much the seller had agreed to pay, and yet he insisted we needed to go with them because we were going to get money back... which wasn't true at all. Cheated!

As if that wasn't enough. The platinum account that we set up has now defaulted to a Five Star Silver package because the mortgage information still hasn't made its way from the mortgage department to the US Bank system.... (so according to the system we don't qualify for the platinum account). Now I have to call and be put on hold everyday to check to see if it's in their system yet. It's been 10 business days since we closed on our house and the information still hasn't made it through, and I'M the one who has to track the information down and RE-set up the account I already set up 3 weeks ago....

Horrible customer service, no coordination between departments and left us with a hassle that should have never been a problem in the first place. Frustrating to say the least! US Bank made buying our first home a NIGHTMARE.

STAY AWAY!!!

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