Reference to Case number : XXXX Unfortunately, the representative of US Bank did not address my complaint accurately and specifically explaining why the loan application was mishandled from the beginning : - I would have promptly clarified the contradictory information if was brought to my attention immediately without any delay. 
- As I mentioned, I have over 25 years of gainful, professional employment with XXXX earning a very good amount of money each month, with or without extra allowances and I have a saving over $ XXXX in my 401K - Still US Bank is challenged calculating basic math : My monthly income without allowances is XXXX. Common sense dictates that an employer would not give {$16000.00} for a house and car allowance. The actual house and car allowance. Equals XXXX a month. Please review your calculation again - I believe this process has been made particularly difficult and lacked transparency. I.E. I was not informed about the program requirements. Can you provide the DTI ratio? What is the minimum down payment? 
- As the process unfolded, I began to wonder if my status of being an XXXX living in the XXXX XXXX played a role. 
- This protracted process of securing a loan and its eventual denial caused considerable emotional anguish for me, my spouse and particularly for the sellers. 
- As a buyer, I can not recover from this failed transaction, because the seller put this special house right back on the market and immediately went into escrow. 
