I sat with Andrew and cried my heart out over an injustice put upon me. His reply was a trespass warning sent to me by certified mail. This is no way to treat a customer. Looks like I have enough characters to tell you what happened and I think I will, it's just an incredible story. In 2010 an Umpqua banker sent me to a private lender because I didn't have good enough credit for a small loan. I was told that in one year to come back and I would have established credit and she would issue me a conventional loan. I came back in one year and the company I paid that pays the private lender does not report to Equifax so I was at square one and a shrug of the shoulders was all I got. Not "Here let us help you". It took me until 2015 to establish good credit. I invested the loan in source material immediately so I could pay the money back over a four year time span. So I wasn't able to return the loan from the private lender and have gotten caught in a very frustrating financial trap. Get this the loan is for 15% interest only I was advised that that wasn't too bad because I'd be issued a conventional loan and have credit and all would be ok. By now of course I know this was terrible advise and it would seem she should have a fiduciary duty as a banker to inform me, the customer who had never borrowed money before of the Equifax stuff. I never heard of them at that time did not have a credit card never had one, all of this the banker was apprised of. I would have done due diligence but was led to believe "just come back in a year with your payments and we'll set you right up." I asked for the promised loan in Feb. 2015 and was told no. I have paid 29K in interest alone trying to establish the credit rating they required. I went to Umpqua headquarters May 27th 2015 and told this to Andrew Ognall, mind you I am crying and carrying on, this has caused me a lot of grief, let me tell you. This is breach of contract pure and simple. There is an interview on You Tube with the CEO by Jeanne Bliss at the 4:12-4:55 he states he gives his permission to his bankers to make decisions. This banker gave me her word and when I could finally meet my end of the contract I was denied. I explained this to Andrew Ognall and today I am served with a trespass warning I declare this is no way to treat a loyal customer. I have written to the CEO 5 times this year, my first was begging for the promised loan, pretty good letters too and nothing, I asked for a meeting with him and not even a email. I would bet you that the minute I push submit they close my account. This is an incredible institution with a very cold hearted lawyer. I would not recommend Andrew Ognall if you are looking for tenderness and understanding.

I sat with Andrew and cried my heart out over an injustice put upon me. His reply was a trespass warning sent to me by certified mail. This is no way to treat a customer. Looks like I have enough characters to tell you what happened and I think I will, it's just an incredible story. In 2010 an Umpqua banker sent me to a private lender because I didn't have good enough credit for a small loan. I was told that in one year to come back and I would have established credit and she would issue me a conventional loan. I came back in one year and the company I paid that pays the private lender does not report to Equifax so I was at square one and a shrug of the shoulders was all I got. Not "Here let us help you". It took me until 2015 to establish good credit. I invested the loan in source material immediately so I could pay the money back over a four year time span. So I wasn't able to return the loan from the private lender and have gotten caught in a very frustrating financial trap. Get this the loan is for 15% interest only I was advised that that wasn't too bad because I'd be issued a conventional loan and have credit and all would be ok. By now of course I know this was terrible advise and it would seem she should have a fiduciary duty as a banker to inform me, the customer who had never borrowed money before of the Equifax stuff. I never heard of them at that time did not have a credit card never had one, all of this the banker was apprised of. I would have done due diligence but was led to believe "just come back in a year with your payments and we'll set you right up." I asked for the promised loan in Feb. 2015 and was told no. I have paid 29K in interest alone trying to establish the credit rating they required. I went to Umpqua headquarters May 27th 2015 and told this to Andrew Ognall, mind you I am crying and carrying on, this has caused me a lot of grief, let me tell you. This is breach of contract pure and simple. There is an interview on You Tube with the CEO by Jeanne Bliss at the 4:12-4:55 he states he gives his permission to his bankers to make decisions. This banker gave me her word and when I could finally meet my end of the contract I was denied. I explained this to Andrew Ognall and today I am served with a trespass warning I declare this is no way to treat a loyal customer. I have written to the CEO 5 times this year, my first was begging for the promised loan, pretty good letters too and nothing, I asked for a meeting with him and not even a email. I would bet you that the minute I push submit they close my account. This is an incredible institution with a very cold hearted lawyer. I would not recommend Andrew Ognall if you are looking for tenderness and understanding.