DO NOT USE.......BUYERS OR SELLERSWe entered in a sell agreement with a buyers for the purchase of our house on May 30th 2013. NASB issued a preapproval letter to the buyers for the amount of $267K and our mutual contract was $253K. Based on the preapproval letter they received from NASB we felt confident that we were entering into this contract with a buyer who could financially make it to close. In fact our realtor, Kenny, spoke directly to Nick Weeks of NASB approximately 2 weeks ago to get a status on the loan process and he told Kenny he had all of the required documents and everything looked in order. The buyers had their home inspection conducted June 10th, 2013 and the appraisal conducted July 10th, 2013, with the expected close to be July 31st, 2013As a result of the inspections we performed the requested repairs which totaled $4000, again based on the assurance and confidence that all loan issues were in order. Today, July 11th, 2013, NASB determined that the debt to income ratio and resulting credit score were not sufficient to complete the loan. We were informed by our agent that our deal was off, we have no recourse and we have no explanation. Our house has now been off the market for over 6 weeks based on NASB’s issuance of an inaccurate qualification letter. The interest rate climate has changed considerably and the considerable interest we had in our house as a new listing in late spring is now passed. The only conclusion to be drawn is that NASB did not do their due diligence initially and multiple parties acted in good faith due to their negligence. We have been financially harmed by their lack of vetting and reckless actions and may not be able to recoup. In addition to the approximately $4000 to fix the repairs, we will now have to enter into this market again, with buyers applying for higher interest rates, will be incurring additional cost and cannot claim the earnest money. We have done all we have been asked to do, have documentation of all our required steps and are entitled to equal disclosure and due diligence in return. We hold NASB responsible for the transaction being terminated and hold them responsible for the costs we incurred due to their lack of accuracy and lack of due diligence. We expect NASB to reimburse us for the costs we incurred due to their neglect.
I enthusiastically recommend JoAnn Mattingly, Central Bank's VP, Residential Lending Officer at 425 N. New Ballas Place, Creve Coeur, MO 63141She was creative, helpful and overall outstanding in her help to my wife and me in meeting our financial needs.You cannot do better than JoAnn to assist you with residential lending business.
The Clayton branch of Central Bank is in turmoil, with experienced persons leaving, and newbee employees un- familiar with customers. I called to speak to my personal banker, and received a recorded message... "the person you are trying to reach does not have a valid voice mail on our system"! And...the unreachable person was taking over management of another branch!?
Week Three of no ATM or Drive Thru. They still charge full service prices, you just can't get service.
They have been pretty good to me.
U.S. bank will lie to you. They have no intention but to take as much of your money as possible. You're literally better off dumping all your money in a parking lot, and then trying to get it back before it blows away. Don't use them.
worst bank ever!!!!! warning .... got a car loan from them they charged me a hi risk insurance policy be cause i did not show proof of insurance right away. $$$$600 after my insurance company called them and explained that there was no gap in my insurance they said it was too late and made me still pay. so i decided to refinance with a better bank and now they are making me jump through all kinda hoops to get a pay off and copy of title. they just put you on hold or when you get some one on the phone they tell you that they cant send it or some crap. i would like to mention how i got stuck with them in the first place, i bought a car from frank Leta Acura and they wouldn't use the bank i recommend . almost 8% interest on a used car when i have 780 credit???? i recommend Scott credit union 2.3% interest on same car... also the people at vantage are non educated on there policy and the law... warning don't get involved with them.. thanks scott .
This place has the worst customer service I have ever seen! I opened a safe box there and the one guy that works there is never down at the vault, so you have to call and wait,and then he is rude because you interrupted him. I didn't find out until after I opened the box that Safe Deposit is closed on Saturdays. I opened the box there because I have several accounts there and have them named to oversee my trust. I thought it would be easy for the kids to have everything in one place, but they will be totally lost trying to deal with this place. You call to ask a question and nobody in the place can give you an answer, they actually transferred my call to a guy with a voice mail saying he was out of the country for an extended time! After 5 calls they told me it would be better to come in. Why do I have to drive down there to ask a simple question? Who am I going to talk to when I come in? Doesn't he/she have a phone? Even finding the branch phone number instead of the call center is a difficult chore. I can't imagine how they are going to stay in business. I'm going to find a new bank and move everything. What a pain! Can I give the less than one star?