{"id":2585,"date":"2002-06-01T13:54:19","date_gmt":"2002-06-01T18:54:19","guid":{"rendered":"http:\/\/hill-kleerup.org\/blog\/wp\/?p=2585"},"modified":"2002-06-01T13:54:19","modified_gmt":"2002-06-01T18:54:19","slug":"brother_can_you","status":"publish","type":"post","link":"https:\/\/hill-kleerup.org\/blog\/2002\/06\/01\/brother_can_you.html","title":{"rendered":"Brother, can you close a loan?"},"content":{"rendered":"

So yesterday, at the suggestion of the loan underwriter, I contacted the title company to see if they had had any progress in getting US Bank off their collective butts about this old second.<\/p>\n

Turns out, miracle of miracles, they had. They had statements of payment for the old $295, which would get rolled into the new loan. Huzzah. All is well.<\/p>\n

Margie was pleased by that, but she noted that we should not have to pay that money, if it was for the early closure of the first line of credit, since it was all an internal US Bank transaction to open up a new second mortgage. So she called US Bank, for the fifth time.<\/p>\n

And, miracle of miracles, she got someone who could figure it out. Turns out it wasn’t an early closure fee. When US Bank paid off the old second mortage (which they owned) from the proceeds of the new one (which they owned), they only paid off the princ<\/i>iple payment for that month; the interest had not been calculated yet, and rang in at the end of the month at $100. Which then sat there and accrued interest itself for a few years.<\/p>\n

And, according to the fellow Margie talked to, the reason they didn’t tell us about it? It was an installment loan, so they don’t send out mailings on it …<\/p>\n

“So you can fix this?”<\/p>\n

Well, no, the Mighty Central Computers of US Bank couldn’t fix it. It could only be fixed at the branch where we did the new second<\/i>. Huh?<\/p>\n

So we trundled down there this morning, which wasn’t too bad a thing, since they were very nice last time we were in. And they were nice this time, too.<\/p>\n

Except they couldn’t close it down, either. Not today at least. The local loan manager is going to follow up on it and get it taken care of Monday. And, since we know her, I actually believe it.<\/p>\n

She was able to shed even a bit more dim light on the “Why were we never told?” question. Seems the system didn’t register the payoff of the old line of credit as a payoff, but as an early repayment. By its thinking, we were all paid up on it until 2008, so, happy as a clam, it never thought about sending us a reminder statement …<\/p>\n

[For more in this thread, visit here<\/a>.]<\/p>\n","protected":false},"excerpt":{"rendered":"

So yesterday, at the suggestion of the loan underwriter, I contacted the title company to see if they had had any progress in getting US Bank off their collective butts…<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"","_seopress_redirections_param":"","_seopress_redirections_type":0,"_seopress_analysis_target_kw":"","_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[48],"tags":[],"class_list":["post-2585","post","type-post","status-publish","format-standard","hentry","category-us-bank-sucks"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"jetpack-related-posts":[{"id":2554,"url":"https:\/\/hill-kleerup.org\/blog\/2002\/06\/05\/latest_greatest.html","url_meta":{"origin":2585,"position":0},"title":"Latest, greatest on why U.S. Bank sucks","author":"***Dave","date":"Wed 5-Jun-02 7:07pm","format":false,"excerpt":"Still more U.S. Bank stuff ... Here's a chronology of the shenanigans that happened today, prompting my diatribe from earlier: A letter, dated 29 May (a month after we started...","rel":"","context":"In "US Bank Sucks"","block_context":{"text":"US Bank Sucks","link":"https:\/\/hill-kleerup.org\/blog\/category\/us-bank-sucks"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":2546,"url":"https:\/\/hill-kleerup.org\/blog\/2002\/06\/07\/us_bank_still_s.html","url_meta":{"origin":2585,"position":1},"title":"U.S. Bank still sucks","author":"***Dave","date":"Fri 7-Jun-02 7:16am","format":false,"excerpt":"And I have the Google to prove it. Doing a Google search on \"u.s. bank sucks\"\" turns up four entries. The third one down is this blog (ahem). The first...","rel":"","context":"In "Blogging & Internet"","block_context":{"text":"Blogging & Internet","link":"https:\/\/hill-kleerup.org\/blog\/category\/blogging"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":25762,"url":"https:\/\/hill-kleerup.org\/blog\/2012\/01\/26\/bank-of-america-buys-silence.html","url_meta":{"origin":2585,"position":2},"title":"Bank of America buys silence","author":"***Dave","date":"Thu 26-Jan-12 6:32pm","format":false,"excerpt":"I mean, that's what it really boils down to. While the Arizona AG is pursuing BofA on fraud charges regarding mortgage modifications, BofA is busy doing mortgage modications with the folks who complained ... as long as they promise to not say anything bad about them and delete all their\u2026","rel":"","context":"In "~PlusPosts"","block_context":{"text":"~PlusPosts","link":"https:\/\/hill-kleerup.org\/blog\/category\/blogging\/plusposts"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":2538,"url":"https:\/\/hill-kleerup.org\/blog\/2002\/06\/07\/hey_guess_what.html","url_meta":{"origin":2585,"position":3},"title":"Hey, guess what — U.S. Bank sucks some more!","author":"***Dave","date":"Fri 7-Jun-02 7:53pm","format":false,"excerpt":"As the clock ticked toward our new loan being signed (which will pay off the old one, thus probably wiping out any trace of the botch they've made with our...","rel":"","context":"In "US Bank Sucks"","block_context":{"text":"US Bank Sucks","link":"https:\/\/hill-kleerup.org\/blog\/category\/us-bank-sucks"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":15045,"url":"https:\/\/hill-kleerup.org\/blog\/2009\/06\/17\/bank-accounting-for-taste.html","url_meta":{"origin":2585,"position":4},"title":"Bank Accounting for Taste","author":"***Dave","date":"Wed 17-Jun-09 9:43pm","format":false,"excerpt":"So we finally, via Margie's taking action, we've started the process of moving our banking from WaMu (slowly, clumsily, turning into Chase) to a local credit union.\u00a0 Bellco was founded as a credit union in 1936 for the Mountain States Telephone and Telegraph Co. When Ma Bell got broken up\u2026","rel":"","context":"In "Big Business"","block_context":{"text":"Big Business","link":"https:\/\/hill-kleerup.org\/blog\/category\/big-business"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":2555,"url":"https:\/\/hill-kleerup.org\/blog\/2002\/06\/05\/why_us_bank_suc.html","url_meta":{"origin":2585,"position":5},"title":"Why U.S. Bank sucks, and Margie is marvelous","author":"***Dave","date":"Wed 5-Jun-02 3:14pm","format":false,"excerpt":"My wife is a wonderful person. She is highly responsible. She is professional. She displays in her work a powerful commitment to customer service. She goes the extra mile....","rel":"","context":"In "Love & Marriage"","block_context":{"text":"Love & Marriage","link":"https:\/\/hill-kleerup.org\/blog\/category\/personal\/love-and-marriage"},"img":{"alt_text":"My wonderful wife, Margie.","src":"\/blog\/images\/0205_mlk.jpg","width":350,"height":200},"classes":[]}],"_links":{"self":[{"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/posts\/2585","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/comments?post=2585"}],"version-history":[{"count":0,"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/posts\/2585\/revisions"}],"wp:attachment":[{"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/media?parent=2585"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/categories?post=2585"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/tags?post=2585"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}