- Report: #174917
Complaint Review: US Bank Home Mortgage In Arizona - Scottsdale Arizona
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Author Confirmed
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US Bank Home Mortgage In Arizona
8955 E Pinnacle Peak Road Scottsdale, 85255 Arizona, U.S.A.
Phone:
480-538-5567
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US Bank Home Mortgage In Arizona Charged me for an appraisal and did not do the appraisal on the right property. Won't return money. Delay resulted in lost contract Scottsdale Arizona
*UPDATE EX-employee responds: Rebuttal
*Author of original report: Appraisal request was ignored
*REBUTTAL Individual responds: address vs no address
*Consumer Suggestion: for once i am not on the consumers side in this case.
*Consumer Suggestion: for once i am not on the consumers side in this case.
*Consumer Suggestion: for once i am not on the consumers side in this case.
*Author of original report: I have documentation to support the repeated errors that I have claimed
Complaint and request for reimbursement from U.S. Bank Home Mortgage.
My husband, Richard and I paid U.S. Bank Home Mortgage $416.00 for an appraisal we never received.
Summary of incident:
My husband, Richard and I wrote a check for $1000.00 in earnest money to 1st Financial Title to buy a property located in Mountain View Estates, Casa Grande, AZ. 85239.
We contacted U.S. Bank Home Mortgage to apply for a loan package for the property and Palm Harbor home package. Ms. Brenda Temerowski, mortgage consultant was assigned responsibility for our loan. There were multiple delays and errors with the transactions that were conducted by Ms. Brenda Temerowski which forced us to request an extension from the sellers on more than one occasion . As a result of these and other errors we contacted Ms. Temerowski and ended the contract.
On November 7, 2005 we met with Cascade Financial Services to apply for a new loan. We contacted U.S. Bank and requested a copy of the appraisal for use with our new loan to expedite closure on our loan. During review of the appraisal there were multiple deficiencies identified and the appraisal was deemed unacceptable for submission to the underwriter. Cascade contacted the sellers to set up an appointment to conduct a new appraisal. The sellers stated that they were frustrated and would not allow the needed extension to accommodate the new appraisal. The contract ended.
I contacted the U.S. Bank Ethics Board to inquire about reimbursement from U.S. Bank for the appraisal that never took place for the property that we were trying to purchase and for the lost funds that resulted from the errors and delays on the part of the Bank. The U.S. Bank Ethics Board directed my request to John Edwards, Regional Manager V.P. for resolution.
I had dealt with Mr. Edwards by phone on more than one occasion during the time all of the above noted issues were going on. During our phone conversations Mr. Edwards, acted in a manner that I considered unprofessional and unacceptable for his level of responsibility. On one occasion Mr. Edwards had just finished a phone conversation with Donna Graham from 1st Financial. According to Mr. Edwards Donna had threatened him with the statement that the owners would end the contract if U.S. Bank did not expedite the U.S. Bank portion of the contract.
Mr. Edwards informed me, in a raised tone of voice that Donna needed to quit making false threats. Mr. Edwards also informed me that the activities that they were responsible for would be completed as soon as possible.
When Mr. Edwards received my request for reimbursement from the U.S. Bank Ethics Board he called me however I was not available at the time. He then responded to my request via email and immediately refused to reimburse any costs stating that my husband and I were not entitled to a refund. I responded to Mr. Edwards and urged him to please review the appraisal that we paid for and technically did not receive since the appraisal was not performed on the correct parcel.
Mr. Edwards responded back with the claim that the appraisal had been corrected as required prior to the scheduled closure date. He also stated that it was our choice to end the contract with U.S. Bank and use the services of Cascade therefore we were not entitled to any refund. He ended the email stating that he did not expect me to understand how the mortgage process works since I lacked knowledge of the mortgage business processes.
My husband and I have retained records of all transactions including a copy of the appraisal that was faxed to me by Gloria Stapelman a processor at U.S.Bank. If the appraisal was corrected as Mr. Edwards claims then why didn't the Bank fax the corrected version since this would be the appraisal that we paid for.
Mr. Edwards has made it clear to me that his final decision is that we are not entitled to reimbursement for any lost funds.
My husband and I do not agree with this decision. I have provided detail of the amount of money that was paid to each organization which is also the amount of money that my husband and I are requesting as reimbursement.
Thank you for your time. If you have any questions or would like copies of any of the transactions listed above please contact me.
Regards,
Karen
Maricopa, Arizona
U.S.A.
Click here to read other Rip Off Reports on First Bank AKA US Bank
CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.
My husband, Richard and I paid U.S. Bank Home Mortgage $416.00 for an appraisal we never received.
Summary of incident:
My husband, Richard and I wrote a check for $1000.00 in earnest money to 1st Financial Title to buy a property located in Mountain View Estates, Casa Grande, AZ. 85239.
We contacted U.S. Bank Home Mortgage to apply for a loan package for the property and Palm Harbor home package. Ms. Brenda Temerowski, mortgage consultant was assigned responsibility for our loan. There were multiple delays and errors with the transactions that were conducted by Ms. Brenda Temerowski which forced us to request an extension from the sellers on more than one occasion . As a result of these and other errors we contacted Ms. Temerowski and ended the contract.
On November 7, 2005 we met with Cascade Financial Services to apply for a new loan. We contacted U.S. Bank and requested a copy of the appraisal for use with our new loan to expedite closure on our loan. During review of the appraisal there were multiple deficiencies identified and the appraisal was deemed unacceptable for submission to the underwriter. Cascade contacted the sellers to set up an appointment to conduct a new appraisal. The sellers stated that they were frustrated and would not allow the needed extension to accommodate the new appraisal. The contract ended.
I contacted the U.S. Bank Ethics Board to inquire about reimbursement from U.S. Bank for the appraisal that never took place for the property that we were trying to purchase and for the lost funds that resulted from the errors and delays on the part of the Bank. The U.S. Bank Ethics Board directed my request to John Edwards, Regional Manager V.P. for resolution.
I had dealt with Mr. Edwards by phone on more than one occasion during the time all of the above noted issues were going on. During our phone conversations Mr. Edwards, acted in a manner that I considered unprofessional and unacceptable for his level of responsibility. On one occasion Mr. Edwards had just finished a phone conversation with Donna Graham from 1st Financial. According to Mr. Edwards Donna had threatened him with the statement that the owners would end the contract if U.S. Bank did not expedite the U.S. Bank portion of the contract.
Mr. Edwards informed me, in a raised tone of voice that Donna needed to quit making false threats. Mr. Edwards also informed me that the activities that they were responsible for would be completed as soon as possible.
When Mr. Edwards received my request for reimbursement from the U.S. Bank Ethics Board he called me however I was not available at the time. He then responded to my request via email and immediately refused to reimburse any costs stating that my husband and I were not entitled to a refund. I responded to Mr. Edwards and urged him to please review the appraisal that we paid for and technically did not receive since the appraisal was not performed on the correct parcel.
Mr. Edwards responded back with the claim that the appraisal had been corrected as required prior to the scheduled closure date. He also stated that it was our choice to end the contract with U.S. Bank and use the services of Cascade therefore we were not entitled to any refund. He ended the email stating that he did not expect me to understand how the mortgage process works since I lacked knowledge of the mortgage business processes.
My husband and I have retained records of all transactions including a copy of the appraisal that was faxed to me by Gloria Stapelman a processor at U.S.Bank. If the appraisal was corrected as Mr. Edwards claims then why didn't the Bank fax the corrected version since this would be the appraisal that we paid for.
Mr. Edwards has made it clear to me that his final decision is that we are not entitled to reimbursement for any lost funds.
My husband and I do not agree with this decision. I have provided detail of the amount of money that was paid to each organization which is also the amount of money that my husband and I are requesting as reimbursement.
Thank you for your time. If you have any questions or would like copies of any of the transactions listed above please contact me.
Regards,
Karen
Maricopa, Arizona
U.S.A.
Click here to read other Rip Off Reports on First Bank AKA US Bank
CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.
7 Updates & Rebuttals
Karen
Maricopa,Arizona,
U.S.A.
I have documentation to support the repeated errors that I have claimed
#2Author of original report
Sun, March 26, 2006
Please re-read my report. I have requested a copy of the "corrected" appraisal however my request has yet to be honored. I appreciate your opinion on this matter however someone must be held accountable and when I signed the contract with US Bank and I'm told that they only use specific approved appraiser's, processor's, etc than they should stand behind the company's that they approve and use. This deal started in July 2005 and ended almost six months later. The delays were due to multiple errors by the bank. I have documentation to support the repeated errors that I have claimed. The bank continues to make rebuttels without supporting the statements.
Tom
Gahanna,Ohio,
U.S.A.
for once i am not on the consumers side in this case.
#3Consumer Suggestion
Tue, March 21, 2006
Dear Consumer My name is tom and i am an avid fan of rippoff report, and defenders of those being ripped off. However, I am also a licenced mortgage broker and have considerable experience regarding these matters. From the information you, and the accused loan offer provide, i dont see where the appraiser nor anyone failed in bad faith here. If the appraisal needed to be adjusted, then it should have been. However, the appraiser is under no legal obligation to meet your or anyones timeline. So if he has completed his appraisal to the best of the appraisal guidelines that he has to follow to keep his licence, then you have your appraisal. Whether one lender or whoever doesnt accept it or not is irrelivant. Whether your contract to purchase the home has expired or not, is again irrelivant to the appraiser. Moreover, there is no provision for a 'refund' on the appraisal in any case unless the appraiser himself acted in bad faith and never corrected it. Again, there is no time deadline to meet your contract needs. You do have the right to recieve a copy of your appraisal under federal and state law, if you have paid for it. Sorry, but for once i am not on the consumers side in this case.
Tom
Gahanna,Ohio,
U.S.A.
for once i am not on the consumers side in this case.
#4Consumer Suggestion
Tue, March 21, 2006
Dear Consumer My name is tom and i am an avid fan of rippoff report, and defenders of those being ripped off. However, I am also a licenced mortgage broker and have considerable experience regarding these matters. From the information you, and the accused loan offer provide, i dont see where the appraiser nor anyone failed in bad faith here. If the appraisal needed to be adjusted, then it should have been. However, the appraiser is under no legal obligation to meet your or anyones timeline. So if he has completed his appraisal to the best of the appraisal guidelines that he has to follow to keep his licence, then you have your appraisal. Whether one lender or whoever doesnt accept it or not is irrelivant. Whether your contract to purchase the home has expired or not, is again irrelivant to the appraiser. Moreover, there is no provision for a 'refund' on the appraisal in any case unless the appraiser himself acted in bad faith and never corrected it. Again, there is no time deadline to meet your contract needs. You do have the right to recieve a copy of your appraisal under federal and state law, if you have paid for it. Sorry, but for once i am not on the consumers side in this case.
Tom
Gahanna,Ohio,
U.S.A.
for once i am not on the consumers side in this case.
#5Consumer Suggestion
Tue, March 21, 2006
Dear Consumer My name is tom and i am an avid fan of rippoff report, and defenders of those being ripped off. However, I am also a licenced mortgage broker and have considerable experience regarding these matters. From the information you, and the accused loan offer provide, i dont see where the appraiser nor anyone failed in bad faith here. If the appraisal needed to be adjusted, then it should have been. However, the appraiser is under no legal obligation to meet your or anyones timeline. So if he has completed his appraisal to the best of the appraisal guidelines that he has to follow to keep his licence, then you have your appraisal. Whether one lender or whoever doesnt accept it or not is irrelivant. Whether your contract to purchase the home has expired or not, is again irrelivant to the appraiser. Moreover, there is no provision for a 'refund' on the appraisal in any case unless the appraiser himself acted in bad faith and never corrected it. Again, there is no time deadline to meet your contract needs. You do have the right to recieve a copy of your appraisal under federal and state law, if you have paid for it. Sorry, but for once i am not on the consumers side in this case.
Karen
Maricopa,Arizona,
U.S.A.
address vs no address
#6REBUTTAL Individual responds
Mon, March 20, 2006
The original contract had an address of four zeros which was expected as the contract was for a piece of land. After about the third time that the paperwork went back and forth an address suddenly appeared on the contract. The appraisel we requested for the piece of property with no address has yet to be received. I have requested it from Mr. Edwards on more than one occasion. He has chosen to ignore my request.
Karen
Maricopa,Arizona,
U.S.A.
Appraisal request was ignored
#7Author of original report
Mon, March 20, 2006
I requested a copy of the adjusted appraisal after Mr. Edwards claimed that an adjustment had been made. Mr. Edwards never responded. The only copy of the appraisal that US Bank sent me is the one with the wrong address on it which is the one that the new finance company rejected. If US Bank hired a processor or appraiser that failed to perform their tasks correctly then US Bank should still be accountable.
Brenda
Wickenburg,Arizona,
U.S.A.
Rebuttal
#8UPDATE EX-employee responds
Fri, March 17, 2006
I would like to explain the process of paperwork a loan application has to go through in order to go from "application" to loan, which will explain the situation described in the "Rip-Off Report". The application is taken first, all information from potential borrowers is accumulated by the loan officer, who was Brenda Temerowski, and the loan program is chosen. The purchase contract is included in the file, which will include any land purchase contracts and in this case the separate manufactured home contract. The file is then given to the processing department to process the file. The processors order title, APPRAISAL, flood ceritfication, etc. The appraiser and the title company are both given copies of the purchase contracts. The appraiser then completes his appraisal using the land purchase contract and the separate manufactured home contract to provide the lender, US Bank Home Mortgage in this case, with the appraised value of the property. The appraiser completed his appraisal. He used the address which was listed on the purchase contract. The processor ordered the appraisal using the address listed on the purchase contract. There was no "ripping-off" of any appriasal fees. US Bank was charged for the appraisal fee by the appraiser, an appraisal was obtained, and if the customer would like a copy of that appraisal, they need to contact US Bank Home Mortgage as the bank has the file.
