Firstar US Bank ripoff Call You the liar, Tear apart your life, Shred your pride, Force you into bankruptcy to keep your home! Taylorville, Springfield Illinois
This is our nightmare. It is a lengthy story but the details are crucial I think to impress the scope of this banks behavior and how it has tore apart our lives.
WELCOME TO MY PERSONAL HELL!
My husband and I decided to refinance our home mortgage with our local Firstar US Bank due to lower interest rates, in Aug 2001.
In April of 2003 a friend called to say that our house was in the legal notice of local newspaper as a forclosure notice. I immediately called the local bank where we had done our mortgage and was told to call the branch office in our nearby capital city. I was connected with a woman named Mary Louise ?.
After many days of run around she assured me the problem had been found and that there was a transposed number in our acct. # so that our pymts. were being credited to another acct. She assured me she was crediting our acct. with all these pymts. Three days later I again called the same number and extension and got Mary Louise. I asked her if everything was taken care of and if there was any different acct number info that I needed to mail my pymts. She replied that our # was unchanged and that she had corrected everything in the system.
Life goes on........right......
We received no futher correspondence from US Bank, phone calls, notices or anything. We assumed everything was fine.
Never assume anything with US Bank!
On Saturday morning, August 16, 2003, We received a phone call from my husbands brother. He asked if we knew that our house was again in the legal notice section of the newspaper but this time it was a notice for Sheriff's Sale. It was to be sold to the highest bidder on August 27, 2003 at our courthouse. We were dumbfounded. We had received no court papers, notices from US Bank or the law firm representing them.
We called US Bank with the ext. for Mary Louise only to get a voice mail mess. belonging to someone named Don. We left mess. that we were trying to reach Mary Louise with US Bank regarding our mortgage, and left our name and acct. number. We received a return call from this Don that he didn't know who Mary Louise was and that he knew nothing about our mortgage.
We then called our local US Bank and spoke to a branch manager named Karen _____. She told me to come into her office on Monday morning and to bring my cancelled checks, receipts, ect. with me. I scrambled around trying to get all this together because in less than 10 days they were going to try to sell our house!
On Monday morning I arrived at the bank with cancelled checks, money order receipts, and receipts given to me by that bank for cash pymts. I had made. I was informed by the receptionist that Karen was unavailable. She said she was not sure how long till Karen would be able to see me but I could sit and wait.
(Now I have 4 children who were out of school for the summer, with me. I did not have anyone who could keep them for me.)
I had all my things in a business size envelope. Being an idiot, I sealed the envelope and wrote Karen's first and last name on the envelope in black ink and asked if she(the receptionist) would give this to Karen and have her call me when she was available so I could come back in. I didn't hear from her, so that afternoon I called and the receptionist told me she was gone to lunch and would be returning at 2 pm. At 2:05pm I called and was informed that she was on the phone with a client and would I like to leave voice mail. So I left mess. asking her to please call me regarding the documents I had left for her that morning and what was being done about it. She never returned my call.
The next day was much of the same runaround. I was growing quite frustrated!
By Wed. I was livid. My husband took the day off from work. We spent much of the morning trying to obtain copies of checks from our old bank who we only had carbons.
We arrived at the bank after lunch time and was told that Karen was still out to lunch and that she would be back at 2pm. It was 1:30.
We went to the courthouse to review these documents and see if there were suppose to be any papers served to us. Sure enough there it was. That they served forclosure papers to my husband himself on Jan.25,2003 at our front door.
Let me interject here that we only have less than 3 years left on our mortgage at this point. We have remodled and almost doubled our living space and the price of our house and property. I can guarantee you that if we were served any form of papers in Jan. or any other month, we would have been there with bells on to straighten it out. They want to sell our house for $42,000.00 when it's easily worth $85,000.00 to $100,000.00, due to the blood, sweat, money and tears that we have invested in it over the last 12 years.
Anyway, we went back to the bank at 5 minutes after 2 that afternoon. Upon arriving we were informed that we would have to have a seat and wait that Karen was on the phone. We sat there from 2:05 until 2:55 waiting to see this woman. I then approached the receptionist and told her that we have been waiting almost an hour and that I had children coming home from school.(School had started the preceding day). I said that I would call from home and see when would be a good time for Karen to see us. That apparently I might have more luck talking to her on the phone than sitting for an hour waiting to see her. We were so enraged!!!!!
At 3:15 I called and was told Karen was still on the phone!
At 3:30 I called and was told that Karen was still on the phone! I left voice mail mess and waited.
At 3:45 we still had not heard from Karen.
We got the children in the van and arrived back at the bank at 3:55. The receptionist told us that Karen was still on the phone but if we wanted to wait she would tell her we were there as soon as she was off the phone. By this time we were about to blow a gasket! We waited for approx. 10 minutes when Karen appeared and asked us to follow her to her office.
My husband asked her what was being done about our mortgage and she said that she was still waiting for us to bring her the information. I told her I had left it at the desk for her on monday and that I had left several messages for her to return my calls. She looked at me and subtly implied that I had never left anything for her, that I was lying.
Furthermore she stated that US Bank had never employed a Mary Louise and that the extension number I had given them belonged to another company who occupied that office in US Bank, and that they had never employed a person named Mary Louise either. I said, " It was US Banks phone number and I reached that extension numerous times and spoke to this Mary Louise who was suppose to have this all straightened out back in April. I also think that you need to start looking for that envelope that I left here Monday. It has all my proof in it."
Anyway she kept saying out of one side of her mouth that she wanted to help us but calling me a liar out of the other side. I got up and left her office before I exploded. Afterward she started implying to my husband that maybe I was the one deceiving him about this matter. My husband blew up and asked for the vice president of the bank and told her that he would have no further dealings with her when she would be so rude and disrespectful to me and to him.
The VP gave us a number with the name of Debra ______. This is who our acct was turned over to when it went into forclosure. It is an asset collection company contracted by US Bank. I have yet to meet a more uncaring, rude, and snotty person as this woman. (Except maybe Karen!)
I called this woman and tried to explain that we were waiting for more copies because the bank here had lost mine. That we were unaware of this whole matter until a few days ago, ect. She informed me that she had notes on our file that someone had talked to owner's spouse and that I had said this or that. I said, "No, maam, you are mistaken. No one from your office has contacted us at any point in this nightmare." She then informed me that unless I could fax her copies of all missing payments by the end of the day on the 26th that they would see us at the sale Wed. morning and hung up!
After this it was just more of the same s**t. Everyone saying they wanted to help, but no one actually doing anything! They have still not produced my envelope... that set us back days and days while waiting for more copies from our bank where our checking is.
On August 26th we ended up having to file chapter 13 bankruptcy to keep them from selling our house because we could not get more copies in time.
With the bankruptcy still pending, I have filed complaints with the FTC, the Federal Banking commission,the Attorney Generals Office and the OCC.
We are now looking for a lawyer to hopefully file a lawsuit against US Bank.
I can not tell you of the emotional, mental and physcological toll this has taken on my husband and I. In just a few short weeks, we have almost separated, our life is in turmoil, we are so stressed we are hardly able to function and the children are also affected, being to young to understand what this is all about.
I pray to God daily to give us the strength to defeat this evil that has entered our lives. I only hope we can endure.
Thank you for this website and the chance to share this with you all.
Melissa
Taylorville, Illinois
U.S.A.
Click here to see Rip-off Reports filed where consumers say thank you Rip-off Report & badbusinessbureau.com, that we saved them money. Not included are the thousands of thank you e-mails we get every week.
Click here to read other Rip Off Reports on The CDN Company Margaret Carter
4 Updates & Rebuttals
Melissa
Taylorville,Illinois,
U.S.A.
no reply from USB or anyone connected to them regarding our situation, famous 5 Star Service Guarantee BULL
#5Author of original report
Mon, October 06, 2003
Just an update for you. We continue to receive no reply from USB or anyone connected to them regarding our situation. Although, we continue to receive that famous 5 Star Service Guarantee.
After telling us initially that they had received no pymts. since 4-2002, I produced copies of checks endorsed by Firstar\USB in Milwalkee. Amazingly enough they found those pymts when confronted with the endorsed checks.
After finally receiving copies of checks from my new bank, I now have copies of 5 more checks endorsed by the same branch in Milwalkee. Before handing those over to my local branch, I realized that I didn't have a printout of our account history. All the histories I had seen and studied previously, I did at the bank and they kept those. I didn't want them to be able to say once again, that they had a record of those pymts, when confronted with the endorsed checks. My son, Zach and I went to the local branch at 11:40am on Saturday, Sept. 20. I told the receptionist what I wanted and she instructed me to wait while she found someone to help me. At 11:55, the receptionist informed me that Tammy ? was going to come up and use her computer as she didn't want to close her pages on her own computer as she was working on something. Tammy ? then approached me.
She was less than kind as she asked me for the account #. I apoligized to her, telling her that I had left the paper with the number at home on the table. I asked her if she couldn't look it up by name. She replied sarcastically that she supposed she could. Her whole demeanor was snotty, and filled with annoyance from having to wait on me. I was in no way rude to this person, nor have I been with anyone in this bank while trying to resove this mess, and I have been in the bank on a daily basis since this started, being helped and waited on by the Asst. VP. (This includes Karen ?- branch manager- who told me I was lying. I have been respectful and curteous . I am not so stupid as to think I can get treated with respect if I give none.)
While Tammy ? was bringing up our acct info I again apologized for her inconvience. She looked up at me and hatefully stated the following, "Well, I am very busy trying to help my other customers. Beside that, you come in here at closing time and demand this printout, taking me away from my other customers." I was stunned. She was the one who had made me wait for her 15 minutes and I was waiting patiently. She stated all of this right at the reception desk in a loud voice, right in front of all the tellers and other customers still in the bank. I informed her that I had been waiting patiently. She then looked up at me again and with the same tone, stated, " Your name is not on this account." I said, "No it's not. I am aware of that, and so is your branch manager and the Asst. VP who as dealt with me daily for over 5 weeks." She then told me, "Well, to bad the VP is not in today. I could get in alot of trouble for giving you this info." I continued to try to be nice and told her it was no secret to anyone who worked in this bank that my husband has given this bank permission to give me anything I need regarding this account. She stomped out from behind the counter and snottily told me she would have to get the o.k. from the branch manager. By this time, everyone in the whole bank has heard our conversation and staring, including my 11 year old son who is standing beside me looking up at me with a baffled expression on his face. I was so humiliated that I loudly told her not to trouble herself and that I would come back on Monday when the asst. VP was there to help me, seeing how this had been so burdensome to her. She stopped and turned around half way across the bank, put her hand on her hip, and was giving me the most hateful look. My son pulled my hand and asked me why that lady was being so mean to me when I just wanted a paper. I took his hand and told him lets go. I said, well Zach, it's that famous 5 Star treatment. When I got in the van I could hold back no more and started crying.
I can not for the life of me figure out what I have done to deserve such treatment from these people. If I had treated them that way I could understand it and would deserve it in return.
I told the VP on Monday what had transpired over the weekend. I told him that foreclosure or bankruptcy didn't change the fact that I am still a customer there as long as this issue remains unresolved and that the hours on the door say you are open until noon. If I or anyone else came in at 1 minute before noon, that they are required to help or ask us to come back Mon. I told him I in no way derserved the treatment I received that day. He said, no you do not. You have been most kind and respectful, I think, considering your circumstances. He then apologized for the incident on Sat. I thanked him and said that I appreciated all his help trying to take care of this but he was no the one who needed to apologise to me. It is the ones who have dished it out. I told him that once again, it's about accountability for ones own behavior. I told him Thank you again and took my printout and exited the bank.
That's about it for now. I have had a few newspapers call after sending out letters and copies of my story and links to this website and others. They have all told me that as soon as some kind of legal litigation is filed to call and let them know and then they could interview me.
Thanks for the ear, I appreciate it!
Melissa
Taylorville,Illinois,
U.S.A.
no reply from USB or anyone connected to them regarding our situation, famous 5 Star Service Guarantee BULL
#5Author of original report
Mon, October 06, 2003
Just an update for you. We continue to receive no reply from USB or anyone connected to them regarding our situation. Although, we continue to receive that famous 5 Star Service Guarantee.
After telling us initially that they had received no pymts. since 4-2002, I produced copies of checks endorsed by Firstar\USB in Milwalkee. Amazingly enough they found those pymts when confronted with the endorsed checks.
After finally receiving copies of checks from my new bank, I now have copies of 5 more checks endorsed by the same branch in Milwalkee. Before handing those over to my local branch, I realized that I didn't have a printout of our account history. All the histories I had seen and studied previously, I did at the bank and they kept those. I didn't want them to be able to say once again, that they had a record of those pymts, when confronted with the endorsed checks. My son, Zach and I went to the local branch at 11:40am on Saturday, Sept. 20. I told the receptionist what I wanted and she instructed me to wait while she found someone to help me. At 11:55, the receptionist informed me that Tammy ? was going to come up and use her computer as she didn't want to close her pages on her own computer as she was working on something. Tammy ? then approached me.
She was less than kind as she asked me for the account #. I apoligized to her, telling her that I had left the paper with the number at home on the table. I asked her if she couldn't look it up by name. She replied sarcastically that she supposed she could. Her whole demeanor was snotty, and filled with annoyance from having to wait on me. I was in no way rude to this person, nor have I been with anyone in this bank while trying to resove this mess, and I have been in the bank on a daily basis since this started, being helped and waited on by the Asst. VP. (This includes Karen ?- branch manager- who told me I was lying. I have been respectful and curteous . I am not so stupid as to think I can get treated with respect if I give none.)
While Tammy ? was bringing up our acct info I again apologized for her inconvience. She looked up at me and hatefully stated the following, "Well, I am very busy trying to help my other customers. Beside that, you come in here at closing time and demand this printout, taking me away from my other customers." I was stunned. She was the one who had made me wait for her 15 minutes and I was waiting patiently. She stated all of this right at the reception desk in a loud voice, right in front of all the tellers and other customers still in the bank. I informed her that I had been waiting patiently. She then looked up at me again and with the same tone, stated, " Your name is not on this account." I said, "No it's not. I am aware of that, and so is your branch manager and the Asst. VP who as dealt with me daily for over 5 weeks." She then told me, "Well, to bad the VP is not in today. I could get in alot of trouble for giving you this info." I continued to try to be nice and told her it was no secret to anyone who worked in this bank that my husband has given this bank permission to give me anything I need regarding this account. She stomped out from behind the counter and snottily told me she would have to get the o.k. from the branch manager. By this time, everyone in the whole bank has heard our conversation and staring, including my 11 year old son who is standing beside me looking up at me with a baffled expression on his face. I was so humiliated that I loudly told her not to trouble herself and that I would come back on Monday when the asst. VP was there to help me, seeing how this had been so burdensome to her. She stopped and turned around half way across the bank, put her hand on her hip, and was giving me the most hateful look. My son pulled my hand and asked me why that lady was being so mean to me when I just wanted a paper. I took his hand and told him lets go. I said, well Zach, it's that famous 5 Star treatment. When I got in the van I could hold back no more and started crying.
I can not for the life of me figure out what I have done to deserve such treatment from these people. If I had treated them that way I could understand it and would deserve it in return.
I told the VP on Monday what had transpired over the weekend. I told him that foreclosure or bankruptcy didn't change the fact that I am still a customer there as long as this issue remains unresolved and that the hours on the door say you are open until noon. If I or anyone else came in at 1 minute before noon, that they are required to help or ask us to come back Mon. I told him I in no way derserved the treatment I received that day. He said, no you do not. You have been most kind and respectful, I think, considering your circumstances. He then apologized for the incident on Sat. I thanked him and said that I appreciated all his help trying to take care of this but he was no the one who needed to apologise to me. It is the ones who have dished it out. I told him that once again, it's about accountability for ones own behavior. I told him Thank you again and took my printout and exited the bank.
That's about it for now. I have had a few newspapers call after sending out letters and copies of my story and links to this website and others. They have all told me that as soon as some kind of legal litigation is filed to call and let them know and then they could interview me.
Thanks for the ear, I appreciate it!
Melissa
Taylorville,Illinois,
U.S.A.
no reply from USB or anyone connected to them regarding our situation, famous 5 Star Service Guarantee BULL
#5Author of original report
Mon, October 06, 2003
Just an update for you. We continue to receive no reply from USB or anyone connected to them regarding our situation. Although, we continue to receive that famous 5 Star Service Guarantee.
After telling us initially that they had received no pymts. since 4-2002, I produced copies of checks endorsed by Firstar\USB in Milwalkee. Amazingly enough they found those pymts when confronted with the endorsed checks.
After finally receiving copies of checks from my new bank, I now have copies of 5 more checks endorsed by the same branch in Milwalkee. Before handing those over to my local branch, I realized that I didn't have a printout of our account history. All the histories I had seen and studied previously, I did at the bank and they kept those. I didn't want them to be able to say once again, that they had a record of those pymts, when confronted with the endorsed checks. My son, Zach and I went to the local branch at 11:40am on Saturday, Sept. 20. I told the receptionist what I wanted and she instructed me to wait while she found someone to help me. At 11:55, the receptionist informed me that Tammy ? was going to come up and use her computer as she didn't want to close her pages on her own computer as she was working on something. Tammy ? then approached me.
She was less than kind as she asked me for the account #. I apoligized to her, telling her that I had left the paper with the number at home on the table. I asked her if she couldn't look it up by name. She replied sarcastically that she supposed she could. Her whole demeanor was snotty, and filled with annoyance from having to wait on me. I was in no way rude to this person, nor have I been with anyone in this bank while trying to resove this mess, and I have been in the bank on a daily basis since this started, being helped and waited on by the Asst. VP. (This includes Karen ?- branch manager- who told me I was lying. I have been respectful and curteous . I am not so stupid as to think I can get treated with respect if I give none.)
While Tammy ? was bringing up our acct info I again apologized for her inconvience. She looked up at me and hatefully stated the following, "Well, I am very busy trying to help my other customers. Beside that, you come in here at closing time and demand this printout, taking me away from my other customers." I was stunned. She was the one who had made me wait for her 15 minutes and I was waiting patiently. She stated all of this right at the reception desk in a loud voice, right in front of all the tellers and other customers still in the bank. I informed her that I had been waiting patiently. She then looked up at me again and with the same tone, stated, " Your name is not on this account." I said, "No it's not. I am aware of that, and so is your branch manager and the Asst. VP who as dealt with me daily for over 5 weeks." She then told me, "Well, to bad the VP is not in today. I could get in alot of trouble for giving you this info." I continued to try to be nice and told her it was no secret to anyone who worked in this bank that my husband has given this bank permission to give me anything I need regarding this account. She stomped out from behind the counter and snottily told me she would have to get the o.k. from the branch manager. By this time, everyone in the whole bank has heard our conversation and staring, including my 11 year old son who is standing beside me looking up at me with a baffled expression on his face. I was so humiliated that I loudly told her not to trouble herself and that I would come back on Monday when the asst. VP was there to help me, seeing how this had been so burdensome to her. She stopped and turned around half way across the bank, put her hand on her hip, and was giving me the most hateful look. My son pulled my hand and asked me why that lady was being so mean to me when I just wanted a paper. I took his hand and told him lets go. I said, well Zach, it's that famous 5 Star treatment. When I got in the van I could hold back no more and started crying.
I can not for the life of me figure out what I have done to deserve such treatment from these people. If I had treated them that way I could understand it and would deserve it in return.
I told the VP on Monday what had transpired over the weekend. I told him that foreclosure or bankruptcy didn't change the fact that I am still a customer there as long as this issue remains unresolved and that the hours on the door say you are open until noon. If I or anyone else came in at 1 minute before noon, that they are required to help or ask us to come back Mon. I told him I in no way derserved the treatment I received that day. He said, no you do not. You have been most kind and respectful, I think, considering your circumstances. He then apologized for the incident on Sat. I thanked him and said that I appreciated all his help trying to take care of this but he was no the one who needed to apologise to me. It is the ones who have dished it out. I told him that once again, it's about accountability for ones own behavior. I told him Thank you again and took my printout and exited the bank.
That's about it for now. I have had a few newspapers call after sending out letters and copies of my story and links to this website and others. They have all told me that as soon as some kind of legal litigation is filed to call and let them know and then they could interview me.
Thanks for the ear, I appreciate it!
Melissa
Taylorville,Illinois,
U.S.A.
no reply from USB or anyone connected to them regarding our situation, famous 5 Star Service Guarantee BULL
#5Author of original report
Mon, October 06, 2003
Just an update for you. We continue to receive no reply from USB or anyone connected to them regarding our situation. Although, we continue to receive that famous 5 Star Service Guarantee.
After telling us initially that they had received no pymts. since 4-2002, I produced copies of checks endorsed by Firstar\USB in Milwalkee. Amazingly enough they found those pymts when confronted with the endorsed checks.
After finally receiving copies of checks from my new bank, I now have copies of 5 more checks endorsed by the same branch in Milwalkee. Before handing those over to my local branch, I realized that I didn't have a printout of our account history. All the histories I had seen and studied previously, I did at the bank and they kept those. I didn't want them to be able to say once again, that they had a record of those pymts, when confronted with the endorsed checks. My son, Zach and I went to the local branch at 11:40am on Saturday, Sept. 20. I told the receptionist what I wanted and she instructed me to wait while she found someone to help me. At 11:55, the receptionist informed me that Tammy ? was going to come up and use her computer as she didn't want to close her pages on her own computer as she was working on something. Tammy ? then approached me.
She was less than kind as she asked me for the account #. I apoligized to her, telling her that I had left the paper with the number at home on the table. I asked her if she couldn't look it up by name. She replied sarcastically that she supposed she could. Her whole demeanor was snotty, and filled with annoyance from having to wait on me. I was in no way rude to this person, nor have I been with anyone in this bank while trying to resove this mess, and I have been in the bank on a daily basis since this started, being helped and waited on by the Asst. VP. (This includes Karen ?- branch manager- who told me I was lying. I have been respectful and curteous . I am not so stupid as to think I can get treated with respect if I give none.)
While Tammy ? was bringing up our acct info I again apologized for her inconvience. She looked up at me and hatefully stated the following, "Well, I am very busy trying to help my other customers. Beside that, you come in here at closing time and demand this printout, taking me away from my other customers." I was stunned. She was the one who had made me wait for her 15 minutes and I was waiting patiently. She stated all of this right at the reception desk in a loud voice, right in front of all the tellers and other customers still in the bank. I informed her that I had been waiting patiently. She then looked up at me again and with the same tone, stated, " Your name is not on this account." I said, "No it's not. I am aware of that, and so is your branch manager and the Asst. VP who as dealt with me daily for over 5 weeks." She then told me, "Well, to bad the VP is not in today. I could get in alot of trouble for giving you this info." I continued to try to be nice and told her it was no secret to anyone who worked in this bank that my husband has given this bank permission to give me anything I need regarding this account. She stomped out from behind the counter and snottily told me she would have to get the o.k. from the branch manager. By this time, everyone in the whole bank has heard our conversation and staring, including my 11 year old son who is standing beside me looking up at me with a baffled expression on his face. I was so humiliated that I loudly told her not to trouble herself and that I would come back on Monday when the asst. VP was there to help me, seeing how this had been so burdensome to her. She stopped and turned around half way across the bank, put her hand on her hip, and was giving me the most hateful look. My son pulled my hand and asked me why that lady was being so mean to me when I just wanted a paper. I took his hand and told him lets go. I said, well Zach, it's that famous 5 Star treatment. When I got in the van I could hold back no more and started crying.
I can not for the life of me figure out what I have done to deserve such treatment from these people. If I had treated them that way I could understand it and would deserve it in return.
I told the VP on Monday what had transpired over the weekend. I told him that foreclosure or bankruptcy didn't change the fact that I am still a customer there as long as this issue remains unresolved and that the hours on the door say you are open until noon. If I or anyone else came in at 1 minute before noon, that they are required to help or ask us to come back Mon. I told him I in no way derserved the treatment I received that day. He said, no you do not. You have been most kind and respectful, I think, considering your circumstances. He then apologized for the incident on Sat. I thanked him and said that I appreciated all his help trying to take care of this but he was no the one who needed to apologise to me. It is the ones who have dished it out. I told him that once again, it's about accountability for ones own behavior. I told him Thank you again and took my printout and exited the bank.
That's about it for now. I have had a few newspapers call after sending out letters and copies of my story and links to this website and others. They have all told me that as soon as some kind of legal litigation is filed to call and let them know and then they could interview me.
Thanks for the ear, I appreciate it!