Complaint Review: BNC National Bank - Kansas City Missouri
- BNC National Bank Kansas City, Missouri USA
- Phone: 913-998-7973
- Web: bncnationalbank.com
- Category: pure cbeed
BNC National Bank Brian Mehnert Refinancing our home, we filled out all the paper work then they charged us $450 for an appraisal and only then did they tell us they do not refinance or finance manufactured homes, our appraisal came out good but then they reported to the credit bureaus that the had declined us because of inadequate Collateral/unacceptable property. The property appraisal was good but they don't and won't ever loan on manufactured homes something that should have been told to us before they charged us and then they do not have the right to lower our credit rating for their mistake. This company is a ripoff. Kansas City Missouri
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Refinancing our home, I spoke with the representative (Brian) and distinctly remember tellinh him that the residence was a manufactured home. I explained in detail that it was not a mobile home as it was on a permanant foundation and it did not have DMV "tags." We filled out all the paper work then they charged us $450 for an appraisal and only then did they tell us they do not refinance or finance manufactured homes. The representative played as though it was my fault and that there was a "misunderstanding (BS!) Our appraisal came out good ($310,000 which is what we were looking for) but then they reported to the credit bureaus that the had declined us because of inadequate Collateral/unacceptable property. Since they don't and won't ever loan on manufactured homes that should have been immediately stopped beofre going through the whole process. I also asked if this was going to reflect on my credit report and the representative said "No, there is nothing that would touch the credit report." Which was totally false. There should be no reason this was reported to the credit bureaus as they were the ones that made the mistake and misunderstood that I was asking for a manufactured home refininace as I expressly said on the first phone conversation. BNC National bank should not have the right to lower our credit rating for their mistake. This company is a ripoff. Included is all of the emails discussing this issue.
| Nov 11 (6 days ago)
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No, there is nothing at all that would touch the credit report.
| Nov 11 (6 days ago)
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Sent from my iPhone
Shawn, I understand your frustration but you and I discussed at length that you explained that some websites “said” your house was manufactured but that it was not. I think perhaps you misunderstood that it is still considered manufactured, even after bolted to the foundation.
Sent: Wednesday, November 11, 2015 12:15 PM
To: Brian
Subject: Re: Manufactured!
Sent from my iPhone
Shawn, call me about the house.
Appraisal is manufactured.
This report was posted on Ripoff Report on 11/17/2015 07:18 PM and is a permanent record located here: https://www.ripoffreport.com/reports/bnc-national-bank/kansas-city-missouri/bnc-national-bank-brian-mehnert-refinancing-our-home-we-filled-out-all-the-paper-work-th-1268662. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
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