Background : We have been a loyal US Bank " Platinum '' customer for more than 15 years with credit scores in the mid XXXX 's. We have not missed any payments or ever been late on any payments on our existing loan, which US Bank originated approximately 5 years ago. Our current LTV and debt-to-income ratios are under 50 %. 
Details : In XXXX, we received a marketing piece from US Bank advertising a fixed rate of 3.5 % for a 20 year refi loan. At the time of application, the rate was 3.625 % with zero points for a 20yr refi loan. We submitted our loan application at the local US Bank branch on XXXX with XXXX XXXX. XXXX said we could start the process and if the rate dropped to 3.5 % we would get it. The first Good Faith Estimate ( GFE ) he provided on XXXX was at 3.625 % with {$1300.00} in buydown points and the loan amount was {$65000.00} higher than our current loan balance. We informed XXXX that the numbers on the GFE were wrong. He said he would issue a new GFE. In XXXX, the rates dropped to 3.5 % ( per the US Bank website ). On XXXX we emailed XXXX and told him we were still waiting for a corrected GFE and mentioned that we noticed the rates had dropped. XXXX issued a new GFE on XXXX with a correct loan amount but with the rate at 3.625 % and {$750.00} in points. He said " sign and return we can try to get lower rate once loan is approved. I need everything today please. '' We signed and sent everything back the same day. On XXXX we emailed XXXX telling him we still had not received a correct GFE. He requested more documentation from us and sent a new GFE on XXXX at 3.625 % with {$740.00} in points. Several months went by. On XXXX XXXX forwarded an email to us from XXXX XXXX of US Bank requesting even more documentation. We sent him the requested docs on XXXX. XXXX kept requesting " just one more thing '' several times, including copies of documents that were already of record in the County courthouse. Although we kept requesting a corrected GFE with the correct numbers, XXXX would send a new GFE at random intervals, always with incorrect numbers and usually including buydown points, which we said repeatedly we did not want. On XXXX, he finally sent a " final '' XXXX closing statement for review with a rate of 3.75 % and zero points. We spoke with his supervisor, XXXX XXXX, who said he could n't do anything except refund our application fee. We feel we were the victims of " bait and switch '' marketing, predatory lending, and possibly discrimination. Also, the lender did not process our loan application in a timely manner ( almost 7 months ). 
