Steve
Bolivar,#2Author of original report
Sun, September 24, 2006
I received my credit from the credit card complay that holds my USBANK card but then USBANK mortgage company credited me $400 more. I have emailed them back two ways to get it fixed and I'm sure they will eventually get it done. I'm not too worried at this point. On a bright note, I did secure a refinance with a local bank in town. They treated me really well. I will have an interest rate of 6% or APR of 6.164. Closing costs are around $1300. Thats good news. Very smooth so far with the new bank. I should close in a week or so. I saved about $1500 by avoiding the fees of USBANK.
Steve
Bolivar,#3Author of original report
Sun, September 17, 2006
I called the 800 number on the back of my USBANK card and they will remove the charge until my local bank produces a signed application as proof that application was made. They were very nice about the whole thing and agreed that I cannot be charged without a signed application. I will continue to update when something happens.
Steve
Bolivar,#4Author of original report
Sun, September 17, 2006
I am still waiting on USBANK to respond in writing. So far I have emailed, visited and called several times without a resolution to the problem. Also, I wanted to correct a statement I made. 5% closing costs is wrong. It was approx 4%. $115,000 loan and $4100+ in closing costs.