Complaint Review: BNC National Bank - Internet
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- Author Not Confirmed
- BNC National Bank Internet USA
- Phone: (800) 694-0161
- Web: http://www.bncnationalbank.com
- Category: Mortgage Brokers
Show customers why they should trust your business over your competitors...
BNC ripped me off for $500 for an appraisal that was factually incorrect and they did not order. BNC got ahold of my credit card with the idea that I would not be charged unless necessary. They charged right away. They did not order the appraisal, it was already completed and on top of it factually incorrect (the fact that we are on septic and not sewer). Avoid unless you want to fight improper credit card charges by these people.
This report was posted on Ripoff Report on 06/13/2014 10:11 AM and is a permanent record located here: https://www.ripoffreport.com/reports/bnc-national-bank/internet/bnc-national-bank-predatory-lender-internet-1154592. 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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#3 UPDATE Employee ..inside information
BNC Final Rebutal
AUTHOR: mzerr - ()
SUBMITTED: Monday, July 14, 2014
Proof of payment to the said appraiser was provided to the consumer. Appraiser was issued funds over 30 days ago for the report. We hope this satisfactorally resolves the matter.
#2 Author of original report
Further Proof of Being Ripped Off by BNC
AUTHOR: fitz91701 - ()
SUBMITTED: Thursday, July 03, 2014
Now, my new lender says the appraiser has not been paid. If I want to use that appraisal (which I HAVE to because it is VA), I will need to cough up another $500. Why would they make that up?
BNC charged my $500 under the idea that BNC was paying the appraiser. BNC did not pay anyone but themselves. BNC is a ripoff.
Here are the emails saying BNC was paying the appraiser:
Roundpoint says the invoice is still active.
From: "Aaron Fitzsimmons" <fitz91701@gmail.com>
Date: Jul 14, 2014 6:15 AM
Subject: Fwd: FW: Assignment Updated: 44-44-6-3612680 - Fitzsimmons
To: "Rhea Rai" <Rhea.Rai@roundpointmortgage.com>, "Denise Rodda" <Denise.Rodda@roundpointmortgage.com>
Cc:
this is the email i got
From: "Mike Warsop" <MWarsop@bncnationalbank.com>
Date: May 7, 2014 9:22 AM
Subject: FW: Assignment Updated: 44-44-6-3612680 - Fitzsimmons
To: "Aaron Fitzsimmons" <fitz91701@gmail.com>
Cc: "Molly Anderson" <MAnderson@bncnationalbank.com>
HI Aaron,
We received correspondence as you can see below from the appraiser that the prior company had not paid him for the appraisal so we will pay him now. If you change your mind and want to start the process again this appraisal is good until the beginning of August.
Thanks
Mike
Mike Warsop
Loan Originator
BNC National Bank
7007 College Blvd Ste 600
Overland Park, KS 66211
direct-913-647-7002
fax- 913-284-0802
cell-913-244-9612
toll free-1-877-262-8950 EXT 7002
NMLS # 459171
CONFIDENTIALITY NOTICE: The preceding electronic mail message(s) ("e-mail") and any attachments contain information that may be confidential, legally privileged, and/or contain nonpublic personal information about consumers subject to the restrictions of the Gramm-Leach-Bliley Act. You may not directly or indirectly reuse or re-disclose such information for any purpose other than to provide the services for which you are receiving the information. Unauthorized interception of e-mail is a violation of federal criminal law. If you are not the intended recipient of this e-mail, you may not read, disclose, print, copy, or disseminate the information contained herein. In the event that you have received this e-mail in error, please reply to the sender of the e-mail only and delete the original and all copies of this transmission (including any attachments) without reading or saving in any manner.
From: Molly Anderson
Sent: Wednesday, May 07, 2014 11:19 AM
To: Mike Warsop
Subject: FW: Assignment Updated: 44-44-6-3612680 - Fitzsimmons
Please se e below from appraiser.
Molly Anderson
Sr. Loan Processor
BNC National Bank/Mortgage Division
6685 West Beardsley Road, #200
Glendale, AZ 85308
(P) 602-508-3769
(F) 602-508-3869
Toll Free: 877-262-4050 x3769
manderson@bncnationalbank.com
From: Lennell Mudd [mailto:lmudd@roadrunner.com]
Sent: Wednesday, May 07, 2014 9:02 AM
To: Molly Anderson
Subject: RE: Assignment Updated: 44-44-6-3612680
Hello,
I am sorry for my slow response, my computer crashed at the time of your initial request, I lost all data on my old system. According to the records that I can retrieve, I do not show that I have been paid for this invoice as I have saved all checks received within the past 60 days.
Thank you,
Lennell Mudd
From: Molly Anderson [mailto:MAnderson@bncnationalbank.com]
Sent: Tuesday, May 06, 2014 11:41 AM
To: Molly Anderson; 'lmudd@roadrunner.com'
Subject: RE: Assignment Updated: 44-44-6-3612680
Can you please reply to my e-mail?
Thanks
Molly Anderson
Sr. Loan Processor
BNC National Bank/Mortgage Division
6685 West Beardsley Road, #200
Glendale, AZ 85308
(P) 602-508-3769
(F) 602-508-3869
Toll Free: 877-262-4050 x3769
manderson@bncnationalbank.com
From: Molly Anderson
Sent: Thursday, May 01, 2014 9:27 AM
To: Molly Anderson; 'lmudd@roadrunner.com'
Subject: RE: Assignment Updated: 44-44-6-3612680
Please see below and let me know ASAP.
Thanks!
Molly Anderson
Sr. Loan Processor
BNC National Bank/Mortgage Division
6685 West Beardsley Road, #200
Glendale, AZ 85308
(P) 602-508-3769
(F) 602-508-3869
Toll Free: 877-262-4050 x3769
manderson@bncnationalbank.com
From: Molly Anderson
Sent: Wednesday, April 16, 2014 3:39 PM
To: 'lmudd@roadrunner.com'
Cc: Molly Anderson
Subject: FW: Assignment Updated: 44-44-6-3612680
Please confirm you have been paid?
Molly Anderson
Sr. Loan Processor
BNC National Bank/Mortgage Division
6685 West Beardsley Road, #200
Glendale, AZ 85308
(P) 602-508-3769
(F) 602-508-3869
Toll Free: 877-262-4050 x3769
manderson@bncnationalbank.com
From: Do_Not_Reply_LGY@va.gov [mailto:Do_Not_Reply_LGY@va.gov]
Sent: Monday, April 14, 2014 7:36 AM
To:
Cc: Molly Anderson
Subject: Assignment Updated: 44-44-6-3612680
Notice of VA Assignment UPDATE
CONFIDENTIALITY STATEMENT
This communication and any documents or files transmitted with it are confidential and are intended solely for the use of the individual or entity to whom it is addressed. If you are not the intended recipient, be aware that any disclosure, copying, distribution, or other use of the contents of this message is strictly prohibited. If you have received this communication in error, please notify the sender immediately by reply e-mail to the address shown.
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#1 UPDATE Employee ..inside information
Response to Appraisal Issue
AUTHOR: mzerr - ()
SUBMITTED: Thursday, June 19, 2014
On behalf of the staff of BNC National Bank I would like to appologize for the confusion surrounding your appraisal with our company. In your specific case, your VA appraisal was ordered by another lender. However, your previous lender never paid the appraiser that completed the report. Upon starting your loan with BNC, you signed a form with credit card information allowing us to collect funds for the completed appraisal so this licensed Veteran's Adminstration appraisal could be paid for his services rendered. As you also signed an appraisal transfer document giving BNC access to your appraisal, we are required to make sure that this appraisal is paid for his efforts. We also contacted the appraiser to correct the fact that you are on septic and not public sewer. Before this was completed you decided to withdraw your loan. Please keep in mind, this appraiser is not an employee of BNC National Bank, and we do not have access to select who completes the report. The appraiser is a contracted employee of the Veteran's Administration, and any complaints regarding the factual accuracy of your report should be directed at your local VA office. In closing, I do want to thank you for your service in the United States Military - over half of our total loan volume consists of home purchase and refinance loans for Veterans!
Thank you,
Michael Zerr
BNC National Bank
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