Complaint #1533104 submitted on 08/24/2015 relating to First National Bank of Omaha. Complaint relates to Mortgage Conventional fixed mortgage - Application, originator, mortgage broker .
Complaint was submitted via Web and sent to the company on Monday 24th August 2015.
I went to the First National Bank XXXX XXXX XXXX to see if I could qualify for a mortgage. I had a short sale roughly 4 years ago in the spring of 2011 and the bank was aware of this the first day. Because I had relocated for my job I was forced to give power of attorney to my father to complete the short sale. By neglecting to tell me it is 4 years from the settlement date of a short sale before they can give any kind of mortgage, they moved forward by approving me for a loan of up to {$130000.00}. At that point I put {$500.00} earnest money down on a house. Then I liquidated my XXXX to the tune of {$25000.00}. I was also charged an appraisal fee of {$450.00}. After about a month the bank contacted and told me that they were denying me financing because my short sale had not reached a full four years. The bank was fully aware of this short sale and its settlement date from the very first day I went in and they neglected to be thorough in doing a financial background check. Due to the incompetence of the employee I am now responsible for fees and penalties of up to and over {$3000.00} and have nothing to show for it. First National should have denied me financing the very first day I walked in the door instead of telling me I was getting a loan. I then contacted the employee I was dealing with and was spoken to very disrespectfully when all I wanted was an answer as to why they were so irresponsible with there loan process. My goal in filing this complaint is to be refunded the potential fees of over {$3000.00} and if possible to refund me the {$25000.00} I withdrew from my XXXX. Keep in mind this was the very first time I set foot in this bank and this is how they treat potential customers. Please note the date on the attached conditional loan approval letter and the date on the attached good faith estimate paperwork are over a month apart. There was more than enough time for them to find any information about my short sale and inform me of what to do.
| Company | First National Bank of Omaha |
| Complaint ID | 1533104 |
| Date Received | 08/24/2015 |
| Product | Mortgage Conventional fixed mortgage |
| Issue | Application, originator, mortgage broker |
| State/ZIP Code | NE 693XX |
| Consumer Consent | Consent provided |
| Company Public Response | |
| Company Response To Customer | Closed with explanation |
| Submitted | Web 08/24/2015 |
| Result | Timely Response: Yes, Consumer Disputed: No |
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