The bank manager refused to finish my loan due to my over questioning. I questioned processes, rates, and quality. He got fed up with me and told me I obviously don't like his services and he is dropping my file. I had already given him all the proper information. I signed the electronic consent and received my loan documents.
The loan documents mispelled my name. I asked twice to get new corrected forms, neither time was this issue fixed. So I questioned the quality and reliability. Obviously they were not paying close attention to detail. I don't think this is too much to ask. I never received the corrected forms.
I questioned the rates. I asked around to numerous local brokers/banks and no one knew how he was getting the rate without points or an arm or balloon loan. So I was concerned and questioned this.
I was also worried about getting the loan done in a timely fashion as to not lose the rate. When I didn't hear from him I would ask if they received everything and when it would be done. He also said his system was down. That was fine. Since he said he would contact me from his private account instead. This never happened. I tried a number of times to ask him to send me the info from his private account, when he finally did contact me he was disturbed that I didn't understand why he did not use his personal email like he said he would. So I questioned how long this would take and how difficult this was going to be to be in contact.
I told him I felt like he was using this as an out since he probably could not produce what was promised In the first place. I never got an answer for how his rates were they way they were. All I heard from him was I was wrongfully accusing him.
Only after he dropped me did he ask for all of my questions and said he would answer them. But it was too little too late since he had already refused to finish my loan. He said everything would be shredded. But this wasn't even true. I did ask those questions along the way. He never either read them or responded. When I asked him about this he said I was wrongfully accusing him again.
I've never encountered a more unprofessional banker broker in my life. I do believe he forgot I was his client, not the other way around. In my eyes he refused my loan because he didn't like my excessive questioning. I did nothing wrong. I gave him all the proper documents. I was looking out for myself by questioning, nothing more. And I have all the right to ask what I see fit. It is my loan. I have excellent credit. I have everything required legally and financially for the loan. There is absolutely no way my loan should not be approved and finished. Nothing I questioned or did was out of line. I feel as though he was being childish in refusing service over questions and for what seemed to be him not liking me. That is what a child would do, not a professional and a manager at that.
There probably is much more that I could add and explain but I'm sure everyone gets the point. Do not do business with this company or person. They will leave you hanging for whatever reason they see fit.