Date Received: 2021-11-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/XXXX Regions Bank Mortgage Loan Number XXXX XXXX XXXX XXXX Senior Executive Vice President Head of XXXX XXXX XXXXXXXX ( XXXX ) XXXX Regions Financial Corporation XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX Tomorrow is XXXX and I am crying. I need your agency to dialogue with Regions Mortgage Department as I had agreed to a lengthened mortgage to resume at the same amount but extended in time to cover the pause in payment. It was the only way I could agree to forbearance. Forbearance on my mortgage started in XX/XX/XXXX with an interruption of XXXX payments of XXXX in XXXX XXXX. I resumed forebearance in XXXX of XXXX again with my written and verbal communication To Regions of repayment restart at same monthly amount and an extension of when mortgage payment would end. Forbearanace ended... A snail mail received XX/XX/XXXX stated I owed over {$7000.00} or could declare bankruptcy and go into foreclosure. In XXXX I applied over the phone for a forbearance pause to my mortgage with Regions bank. I was clear that the only way I could do this is if, at the end of the pause, I would resume my regular payments and the mortgage would be extended to reflect a longer time to pay with the same monthly amount and rate. I continued to believe this was okay when on the phone and by email I continually stated this, verbally and by email, during this period. I even interrupted the allotted time with XXXX payments in XXXX and XXXX XXXX XXXX of {$950.00} which was the monthly mortgage payment they agreed to. This acceptance of the monthly amount allowed me to think they understood my understanding and that they agreed to what I could do when the forbearance time was up. It was only at the end of the forbearance period XXXX days ago, near XXXX, I got a snail mail stating I owed over {$7000.00} with a caveat I could declare bankruptcy and go into foreclosure. I am a XXXX XXXX XXXX XXXX who has worked through many pandemics and currently I am high risk for COVID. I would never have agreed to this program ( clearly stated to Regions ) only to be met with a high payment and the option of bankruptcy and foreclosure/homelessness As a XXXX and prior frontline worker during COVID I am high risk and very clearly stated multiple times both verbally and by emails I could only start forbearance if at the end I could go back to the original monthly payments with an extended mortgage end date to cover deferred mortgage payments. I almost ended up in the local ER when I got the surprise snail mail from Regions stating the above. Happy XXXX and XXXX but not to me, a senior citizen, XXXX XXXX XXXX, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32068
Submitted Via: Web
Date Sent: 2021-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-24
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I opened a check-in bank account in Regions bank in XXXX, Alabama. The account was working fine for XXXX weeks, but due to some issue, they closed my account without telling me. I am an international student studying in the US, I ordered something from XXXX from that bank debit card and I returned it back, so XXXX is saying the amount has been refunded but the bank is saying your account is closed, so there is no amount so contact to XXXX. And XXXX is saying contact to the bank they will provide you cheque, just provide the transaction id ; I provided the transaction id also but bank says that their is nothing where we can enter this
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-24
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Greetings, My name is XXXX XXXX. I have XXXX accounts at Regions Bank, that I would like to discuss with you. The XXXX accounts end in XXXX ( joint account ) and XXXX ( solo account ). At the very beginning of XXXX I initiated a transfer of {$420.00} from account XXXX to XXXX account. Issue : After discovering an issue yesterday XX/XX/23 ( XXXX weeks later ) I discovered the following ( please note this discovery came yesterday when the account ending in XXXX went negative )... 1. When I initiated the transfer it was taken out of my account ending in XXXX. 2. A few days later it was put back into my account ending in XXXX ( as a returned check item ). 3. The transfer of {$420.00} was successfully put into the other account ending in XXXX in early XXXX. 4. XXXX weeks later ( yesterday ) the amount of {$420.00} was debited from my account ending in XXXX therefore causing the account to be in a negative balance. My concerns : 1. Why did Regions take the money and give it back to me with the account number XXXX in early XXXX? The transaction essentially canceled out. 2. Why did Regions bank wait XXXX weeks to rectify this with account XXXX? XXXX. Why would account XXXX be the XXXX debited and not account XXXX? My request : 1. For the {$420.00} to be forgiven from the bank. I am requesting for my account ending in XXXX to be bought back to a current/positive status. My reasoning : 1. This appears to be a bank error. It appears to be a late act of the bank and an unnecessary confusion of accounts. As a bank customer I have entrusted my financial transactions with Regions bank. Handeling many transactions in a day let alone weeks later is very concerning. 2. The bank has had a breach of a duty of care for my accounts. It appears to be a breach of its contractual obligations to me as a customer. XXXX. This has bought harm to my assets. I would greatly appreciate any expeditious handeling of this situation. Note : If this message needs to be sent to someone else at your institution or company please forward to them. I would like to have this handled as soon as possible. I can be reached all day today via email or telephone regarding this situation. My telephone number is XXXX. Have a positive and productive day. P.S. Please see the attached document. It includes XXXX screen shots that I have gathered for your review regarding the XXXX accounts. Kind Regards, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30043
Submitted Via: Web
Date Sent: 2021-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-20
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I believe that I am a victim of fraud and/or identity theft. For the past XXXX years, the thieves have made my life a living nightmare. Performing 'normaXXXX ' financial activities have been an uphill battle and I am writing to dispute the following items on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or someone pretending to be me. I never authorized, used, or benefited from these accounts or transactions in any way. Please validate this information with Regions Bank and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number. Please delete any reference from Regions Bank Missouri Attached is a police report, social security card, drivers license, and completed ID theft affidavit. Please delete the disputed items from my credit report within four ( XXXX ) days as required by the Fair Credit Reporting Act copied here below for your reference : 605B. Block of information resulting from identity theft [ 15 U.S.C. 168c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as infor-mation that resulted from an alleged identity theft, not later than XXXX business days after the date of the receipt by such agency.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2021-11-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I signed up for this Regions account specifically because they were offering a {$200.00} sign up bonus and they are currently still offering this bonus for new sign ups. I read the terms & conditions and made sure to follow them. They delayed shipment of my debit card for nearly 8 weeks, whether that is their fault or the XXXX is impossible for me to know. What I do know is I activated the debit card the very same day I received it and used it the required number of times to make sure I fulfilled the bonus requirements. I sent a secure message to Regions asking when to expect my promotional offer to be credited to my account and they said I failed to meet the debit card requirements. I sent another message explaining the delayed delivery of the debit card and they disabled secure messaging on my account and refused to respond. I do not understand the point of false advertising to get me to sign up for a bank account and then creating poor relations with me to not want to bank with Regions any longer instead of treating me fairly and possibly creating a life long banking relationship. They are using deceptive advertising to get people to sign up for bank accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2021-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-19
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Approximately a year ago, there was a fraudulent attempt on my account to use the integrated XXXX application to transfer money out of my account. I caught it in time and asked Regions Bank to disable my integrated XXXX app which they did. A little over two months ago, I was elected as XXXX of an organization and needed to use the XXXX app to receive funds from the members such as dues, contributions and other activities. Since I asked them to reactivate it, they have been unable to do so. The first couple of attempts resulted in my XXXX account having a block still on it. After several more attempts, they advised that it was fixed. Not so. I can send money with it but can not receive money which is exactly what I need to do. The bank has been rather cavalier in their approach to correcting my problem. I have even suggested they contact me one a week for an update on their progress. They have not done this. There must be a fix to this problem but they seem in no hurry to discover what that may be.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30092
Submitted Via: Web
Date Sent: 2021-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-18
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: XXXX XXXX sent me an offer with personal code : XXXX stating that I would receive a " {$XXXX} BONUS ' for opening a XXXX Checking account, enrolling in on-line banking within XXXX days of opening & then making {XXXX total deposits within XXXX days. VERY straightforward, little or no room for confusion -- then finally, your {$XXXX} bonus would be directly deposited to your checking account within XXXX days of completing requirements. On XX/XX/XXXX I opened checking account by phone with the branch @ XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. This took approx. XXXX minutes but there were no problems. I asked if it would impact my credit-they responded not a hard check so no it would not. This indicated to me that they were going to check my credit history before approving account. My credit score is literally VERY CLOSE TO PERFECT! I deposited via credit card by phone ( on same initial call ) the minimum requirement of XXXX proceeded by XXXX separate deposits of {$XXXX} & {$XXXX on XX/XX/XXXX & XX/XX/XXXX totaling the {XXXX that they required to qualify for ALLEGED {XXXX} BONUS. On morning of XX/XX/XXXX, I went to check my XXXX Checking balance only to find out that it had BEEN WIPED OUT TO XXXX!!! Only thing that showed was an 'Account Withdrawal ' Pending for {$XXXX with no explanation. THIS IS HOW I FOUND out that someone had shut down my account, again 0 explanation. I called their Customer Service and was told I had to go into a branch, which I did in XXXX XXXX XXXX, XXXX which I did that same day. They said they couldn't say what happened -- that I had to call customer service. This began a XXXX day circus of each telling me I needed to check with the other -- cust. serv. via phone blaming branch & viceversa. I then went to XXXX XXXX XXXX. branch in XXXX XXXX, XXXX on XX/XX/XXXX to meet with their 'FRAUD claim ' dept ( made online appt ) to see if I had better luck determining what happened. Same game -- no answers. They have responded that on XX/XX/XXXX a check was cut for XXXX} to be sent back to me within XXXX business days but no reason for my account being shut down like that. They seemed to think that I should be fine with that. SO, after wasting all my time & effort, I've still yet to receive my {$XXXX} that I deposited ( I requested they cut me a check there or cash would be fine, they weren't doing that ) NOR AM I RECEIVING THE so called {XXXX} BONUS! I don't know what kind of fraudulent scam they're running trying to increase their business, but this is incredibly UNETHICAL to say the very least.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33141
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My husband and I took a home improvement loan to update our back yard. The contractor referred us to the bank for finance of the project. We obtained the loan on XXXX XXXXWe were given a portal where all documents were stored until ready for submission. The Contractor advised on XX/XX/20 that he was going to seek a partial payment and if the bank calls say that the project was completed. I advised ok, but I was awaiting the call from the bank. The bank never called to check if the job was completed. I called the bank and asked about the partial payment they advised me that they had no idea about the specifics of the loan. I later received a bill from XXXX advising that we owe for the project. I called and the bank to advise that the job was never completed and I sent over documents that the advised he was only looking for partial payment the account was put in dispute the bank tried numerous of time for over 6 months to get the contractor to come and finish the job. Per, the bank contract it stated that if the job wasnt completed by XXXX the contract would be terminated or expired. The bank is refusing to rewrite the loan for what we owe or as it has been mentioned to terminate the loan. The bank is refusing to get our money back and practice in good faith. They are now reporting our account delinquent to the credit bureaus. They have documentation that the contractor admitted that he fraudulently withdrew the loan knowing that he had not completed the project. We have an open investigation with the XXXX for the contractor and now we are seeking resolution for XXXX. My husband is XXXX XXXX and this has whole situation has become a true nightmare. XXXX has been rude and uncooperative in mitigating this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23456
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-17
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I had XXXX checking accounts with Regions Bank. XXXX account went into a negative status due to some unauthorized transactions that came through. I specifically asked if Regions would reach into my positive account to satisfy the other account 's negative balance and I was was expressly told by multiple representatives that Regions would never do that. That turned out to be a false misrepresentation because on XX/XX/2021, Regions debited my positive account to satisfy the negative balance of {$820.00}. I have contacted multiple departments at Regions to obtain relief regarding their false misrepresentations but Regions has refused to reverse and/or dispute the transaction. I am currently out {$820.00} through no fault of my own because I relied on their false misrepresentations. Had I been informed correctly, I would have contacted the collections department to establish a payment plan to stop any withdrawals from my positive account. It is not right that they can tell their customers wrong information and have the customers rely on that false information to their detriment and then not offer any relief whatsoever. Importantly, I never received any notifications about the debt in the negative account advising that they would collect it from another account at Regions or that I could dispute the debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32714
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: To Whom it may concern : I am writing to you today to complain about how Enerbank USA treats people who are handicapped. I am XXXX. I have been a paraplegic for over 30 years and I have never been discriminated against this way by any entity as I have by this bank. In XXXX of XXXX, my wife and I applied for a loan with Enerbank for our Solar Panels and were approved for {$18000.00} at 16.72 % to which the interest would accrue starting XX/XX/XXXX ( same as cash ). The monthly payments were XXXX, of which we made a total of XXXX. ( XXXX ) in payments to them. During the course of that time, I had an unexpected health issue and I had lost my job because of it. My wife was still working, but there was no way that we were able to continue to fulfill our monthly expenses. As a result, we defaulted on our home mortgage for over a year and were on the brink of foreclosure. We also became late on other payments. My wife XXXX, spoke to XXXX XXXX, VP at Enerbank and begged her to lower our monthly payments by just {$100.00}. We had two small babies and were having trouble affording basic necessities. My wife stated that we did not want to stop paying and asked if she could lower the payment temporarily or offer a forbearance. XXXX laughed at us and said she could not offer us any affordable solution. I told her that I had to choose between making the payments and feeding my family. As a result, we could no longer make the payments as of XX/XX/XXXX. We looked online for help and found XXXX XXXX XXXX. We enrolled 4 debts with them and asked XXXX to work with Enerbank USA first. Enerbank outright refused to work with XXXX. XXXX XXXX XXXX first contacted Enerbank in XX/XX/XXXX ( in which we were only a few months late at that time ), and they refused to work with them at any capacity. Due to them not wanting to work with them, the interest simply kept accruing with the loan. We started paying NDR and settling other debts as Enerbank refused to communicate with them. We also were forced to borrow an extensive amount of money from a family member to pay more than XXXX that we owed the bank in missed mortgage, XXXX and XXXX tax payments. We put our home on the XXXX XXXX market as we could no longer afford it and continued to pay XXXX XXXX XXXX so we could pay our creditors. We finally sold the house in XX/XX/XXXX, for much less that we had into it and moved to South Carolina. As soon as we moved here, a few days later, tragedy struck, I was bleeding, called an ambulance, and was transported to the hospital. There, I almost died of a massive bleeding duodenal ulcer ( all on file with XXXX XXXX XXXX XXXX ). They saved me, I was transported to XXXX XXXX and after over 60 days, I was sent home and my wife had to take care of me. I was left with XXXX XXXX on my body due to the blood loss and had to be on XXXX XXXX XXXX. My wife could not balance her job and taking care of me and the children and since her company was downsizing, they let her go. We still owe our family member that we borrowed the {$40000.00} from. On XX/XX/XXXX, Enerbank contacted us making erroneous claims. They accused me of making a huge profit on my home and hiding it from them. Even though I gave them a break down to show them we barely had enough money to make the move to South Carolina. They also insisted that my wife was getting paid by the government/state for my care! They told me on the phone call ( and I am sure there are phone recordings of XXXX and XXXX of XXXX ) that my wife is probably making money per month caring for me and hiding the money. Do you know how demeaning this is to say to a disable person? Do you even understand how offended I am by this outlandish claim? I was very transparent and honest with XXXX and XXXX. I told them the truth of my situation. We are good people and we have been trying to pay XXXX since XXXX. XXXX hired an attorney and we were served without even an opportunity to work this out, they would not agree to a reasonable balance that would include the XXXX already paid, and not to charge interest during the Pandemic ( which all lenders did for people during such horrid times ). They has previously said that we could pay XXXX, but they only gave us about 4 hours to get the money together. I could not get the money in 4 hours, it was impossible and they took that deal off the table. They said that they would only work at a lower rate if they could work directly with us, so we had to drop our attorney with XXXX in order to work with them. We came to an agreement of {$22000.00} ( which I still have the email from the attorney ), and they would not give us a XXXX. I will attach the emails. That was the deal! They came up with this deal. It was their idea. They sent it via email and I called the attorney to accept the deal. I sent my wife right to the bank after getting off the phone with the attorney. I was not happy with it, but I agreed to it. That day, we had the Bank Check made and we were going to mail it out. The attorney that I made the deal with called us and said he was leaving the practice at the end of XX/XX/XXXX ( within a week or so of the deal ) and he told us to wait for his replacement to contact us. So that is what we did. Even though the court date was XX/XX/XXXX. And I held on to the check. Just a day before the court date, the new attorney ( XXXX XXXX ) contacted me stating that Enerbank now took that offer off the table. The offer we accepted, they decided to renege with no notice. Nothing. Their attorney would not postpone it, and we had no legal representation at that point. They coerced us into not having legal representation for the notion that is the only way they would speak to us. This is not fair. We both explained the judge what happened. He encouraged us to work with the XXXX Attorney to which he did not want to budge, and the judge sided with them ( he did not ask to see any of our evidence during the trial which we had on hand ) Now the amount is at XXXX which includes their attorney fees. This whole situation has not only been out of hand, but, is criminal. Due to all of this, my health is being affected because of the stress. I tried to contact the CEO of Regions, XXXX XXXX XXXX, who bought out Enerbank. They did an investigation of themselves and found no malpractice. I literally have {$22000.00} sitting here for Enerbank for 3 years and they have been belligerent. I am looking for justice at this point. The loan was for XXXX and we have paid them XXXX leaving the balance at XXXX. If you work the interest from XX/XX/XXXX to XX/XX/XXXX at the start of the Pandemic I am willing to pay that interest of 7 months. They are now threatening to put a lien on my home, and it is not easy for a paraplegic to find an accessible home. They are very unreasonable. But that one representative, XXXX from Enerbank, takes the cake, when she was particularly nasty to me on the phone. I explained to one representative at Enerbank that I am on Social Security XXXX. When I explained that to the representative at Enerbank she retorted Well doesnt your wife get paid for taking care of you by the state? This misconduct is so unacceptable. I need help to resolve this. They think that because I am XXXX, that they can treat me this way? They dragged this out for years to add on more and more fees on purpose and are demanding double what is owed. I feel like I am being messed with by this bank. A handicapped person should not be taken advantage of like this and I would appreciate any help I can get at this point.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A