Date Received: 2020-09-28
Issue: Fraud or scam
Subissue:
Consumer Complaint: regions bank XXXX XXXX XXXX XXXX XXXX took XXXX from my account i had a checking and savings i deposit XXXX i did a cashier for XXXX and another for XXXX gave it to XXXX XXXX XXXX to purchased me and my XXXX kids a home to call ours they cash my cashier check without giving me keys for the trailer my lawyer XXXX XXXX XXXX XXXX has copies of contract where the contract for trailer said paid and full XXXX XXXX XXXX XXXX, XXXX XXXX XXXX took my funds tried giving me a trailer i never pick i waited three months for a trailer i never chose they known for taking some customers money and keeping the trailer for them after this happen alot of fraud been going with my accounts checking and savings i should still get the trailer they played me with willing to give XXXX back alot but they cash out XXXX from me and tried giving me 8 sets of keys for a trailer that suppose to be ordered and me and my XXXX kids waited three months until they tried giving me and my family an awlful trailer that i never chosen and also they been having lots of fraudelent on my account i was unaware of i got into accident XX/XX/XXXX XXXX XXXX had XXXX XX/XX/XXXX had XXXX again XX/XX/XXXX on my XXXX the XXXX were out i deserve to have money into my account XXXX for my kids for when they would get into college i really been getting messed over im missing my XXXX out of XXXX XXXX XXXX XXXX XXXX me and my kids still not in a home i need my funds back can yall please help plus i waited three years for my settlement i got XXXX on highway in XXXX XXXX XX/XX/XXXX we deserve our funds im going to be XXXX XX/XX/XXXX life wasnt easy i couldnt work i had XXXX XXXX XXXX XXXX i really need it back thanks my name is XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2020-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Regions Bank has no mechanism for the customer to make additional principal HELOC payments online. However, in XXXX when the HELOC was initiated, they told us that any payments made in addition to the monthly interest payments by bank draft would be automatically applied to interest. When I learned that this is not accurate information, I began working to get the misapplied payments ( intended to be applied to principal but were applied to interest ) corrected. The bank eventually corrected XXXX misapplied payments but would not correct those in XXXX, stating that the " books are closed for the year, '' even though I have documented proof that I had requested those corrections in XXXX. As of this date, Regions Bank has pocketed over {$1300.00} in interest of misapplied payments from us that should have been applied to principal. Why should we be paying additional interest to the bank when all interest payments have been made as scheduled through automatic draft? And how is it possible that a large financial institution such as Regions Bank can refuse to correct misapplied payments that were made in good faith based on incorrect information given by its staff to loyal customers with an excellent credit rating and payment history? We intended to pay off this loan and close the account months ago but continue to pay a small amount of interest each month as we await a fair resolution.
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: 2020-09-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-24
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Hello, On Saturday morning, XX/XX/XXXX, near XXXX XXXX, I called an XXXX to go home. I was waiting for my XXXX outside the XXXX XXXX in XXXX when I hoped into a car who claimed to be XXXX. It was very late at night so I didn't recognize. Once the trip started, I found out it wasn't my XXXX. The lady said she made a mistake. I immediately cancelled my XXXX through my phone. She said I could pay her by using the credit card processing machine in her car. I said yes and input my card and entered my pin. She saw me putting in my pin number. She looked at the machine and said the transaction didn't go through. However, she said she feels bad for wrongly picking me up and causing me to miss my XXXX. Everything was fine until on Sunday, XX/XX/XXXX, afternoon, I checked my wallet and it did not have my debit card. I panicked and checked my bank statement. There were 4 fraudulent transactions that had occurred. One at a XXXX XXXX ATM ( not my bank ) for {$800.00}, one at XXXX for {$330.00}, one at XXXX for {$300.00}, one at XXXX for {$330.00}. My bank, Regions Bank, has denied my dispute twice despite me filing a police report. They have even gone on to said they won't look at the CCTV footage and if the police were to provide it for them, they wouldn't consider it since my PIN was used. They claim since my pin was used, I am liable. They are not considering my PIN is compromised.In short, they are saying a PIN can never be stolen. They are saying there is no such thing as PIN fraud. I am deeply angered and hurt that my heard earned money is not being refunded to me by the institution that promises to safe guard it. Please help me get my funds back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2020-09-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I made a large deposit through the ATM at the regions bank on XXXX XXXX XXXX in XXXX ms . It was not credited to my account so I made a claim with the bank, it got denied, I made another complaint with the bank it has been denied. I have included a receipt where I borrowed the money from my grandfather, a receipt I printed out after making the deposit when I did not receive a deposit from the ATM and a copy of the second claim letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 391XX
Submitted Via: Web
Date Sent: 2020-09-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-16
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was over charged by XXXX XXXX they charged me XXXX dollars and sent me a bottle of XXXX cleanse instead and charged me for it too. I didn't even order it. The bank put the money in my account twice and took it back twice. They said they showed documentation that they sent me 5 bottles of XXXX XXXX. I never received them or they would have went back to the company. Now the bank refuses to help me. I didn't know it was a scam. I will never order nothing from them again. No one would listen to me I got so frustrated with the bank and XXXX XXXX. One was telling me to call the other.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2020-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-16
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In short, I have lost my XXXX/income due to Covid-19 government restrictions and human reactions to the pandemic and Regions Mortgage is unwilling to provide any mortgage modification assistance to help me get through this unimaginable and uncontrollable situation. I spent 20 years learning my industry and spend 10 years building a XXXX in providing XXXX XXXX XXXX XXXX XXXX for live corporate and conference events. My XXXX closed at the end of XX/XX/2020 and will not likely resume for at least another year. I have never been late on a loan payment of any kind and have a credit score in the high 800s. I contacted Regions Mortgage in XXXX to notify them of the impact that this pandemic has had on my business and income, in which I immediately put my mortgage into a 4 month forbearance. At the end of those 4 months, I contacted them again as nothing had changed for the better in my financial situation and entered into another 3 month forbearance. On XX/XX/XXXX I sent an email to XXXX XXXX, XXXX XXXX VP of Regions Bank XXXX Head of Consumer Banking ( attached within complaint ) to begin a conversation of how we can be fair to one another and also allow for some mortgage relief due to a situation I was forced into through no fault of my own. XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) was prompt to respond and we opened up a dialogue. By the beginning of XXXX, there had been no movement from Regions Mortgage so I followed back up with XXXX to get the dialogue restarted. I received a call from their Default Supervisor, XXXX XXXX who offered me the solution that had been approved by Regions Covid-19/Loss Mitigation team, which was a mortgage interest rate modification to 4 %. My current interest rate is 3.5 % and I let him know how unhelpful this offer was. On XX/XX/XXXX, I followed up with another email to XXXX XXXX and was advised to include XXXX to ensure more of the executive team received this correspondence ( also included in complaint ). I received a phone call from a different VP ( XXXX something or other ) to discuss my situation. I offered an opinion on what specifically will help me, why it was fair, and how it could be accomplished. XXXX stated that he would investigate what could be done, but also included a remark about hoping to not call me back being the bearer of bad news. He called me back a few weeks later and offered to modify my loan to allow me to just pay the interest and resume full payments at a later date. I let him know that, that offer was offensive and in no way helpful. I have a XXXX in XXXX and have owned a XXXX for over 10 years and know a reasonable offer when I hear it. This was not a genuine offer of help, but was an offer that allowed the Bank to maintain not only their full profit from my mortgage, but also to ensure that they made significantly more money on my loan than they otherwise would have. I told him that at minimum I expected Regions to modify my interest rate to the current market interest rate near 2.8 % and would appreciate a greater offer of assistance as noted in my email and paid for out of federal relief funds. I received a phone call from XXXX on XX/XX/XXXX letting me know that my forbearance is ending this month and they are unwilling to modify my rate or offer any level of financial assistance. They are willing to roll my forbeared payments into a new loan and allow me to pay a higher monthly mortgage payment than I had before, even though my business has not returned, I have no prospects of earning a living based on my 20+ years of experience in my industry, nor is there any semblance of a return to normal life. I have been greatly mistreated by Regions Mortgage. At minimum, I expect to have my mortgage rate reduced to the current market rate to allow me to be less under water than I already am, through no fault of my own.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29414
Submitted Via: Web
Date Sent: 2020-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-12
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: This was initially a loan that was like a payday advance loan that was tied to our checking account through Regions Bank. It at some point changed to a line of credit that I assumed I could only access through our checking account-like an overdraft line of credit. We closed our checking account and I [ wrongly ] assumed the overdraft line also closed. It did not. They charged us an annual fee that I was not aware of. Then charged us two late fees on their annual fee. A fee for a fee??? They also reported it on my credit report as 60 days late. I have no lates on my entire credit report for 7 years except for this insane issue. I disputed through the credit bureau they will not remove even though Regions removed all of my charges and closed the account when I contacted them about their error. Can they really do this? Make my credit take a huge hit because of reporting late over a fee!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 359XX
Submitted Via: Web
Date Sent: 2020-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-15
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: When I call to make a payment toward my auto loan account, the CSR tells me, " I see that this account is in bankruptcy. I have to transfer you to the bankruptcy dept. '' After being transferred to the bankruptcy dept., the CSR there says, " I see you had filed bankruptcy in 2018, but that's been discharged. I have to transfer you back to the payment processing center. '' After being transferred to the payment processing center, the CSR there says, " '' I see that this account is in bankruptcy. I have to transfer you to the bankruptcy dept. '' I responded, " That's not correct, I was just transferred FROM the bankruptcy dept. '' The CSR 's tone got very hostile when she said, " Well, MY record indicates this account is in bankruptcy, so there's nothing we can do in this department. '' Regions Bank is clearly creating this confusion with their CSRs to cause borrowers to miss car payments because the bank wants to create a default and repossess the vehicles for resale. Regions ' policy is to make it functionally impossible for anyone who has ever had a bankruptcy to make their car payment by phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 721XX
Submitted Via: Web
Date Sent: 2020-09-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Tried to placeXXXX.on secured credit card at regions bank .teller told me I couldn't after she deposited my XXXX. I withdrew it. I wasn't wanting checks mailed to me or a debit card .just secured credit took m paperwork she gave me burnt it .she took my direct deposit from social security check. I did not give permission for that couldn't find my check. that was over a year ago in XXXX XXXX. Branch in XXXX ga. Where I moved to from XXXX refuses to talk to my about a loan telling me I don't know how much income I have .I know .teller refuses to issue me debit card for twenty for hours so I to a different branch .get the card.this hole time have not been able to do online banking. They have been charging me for every transaction. Just found out last week.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30060
Submitted Via: Web
Date Sent: 2020-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX alabama XXXX XXXX when I contacted to the regions bank agent I filed a dispute which is unauthorized withdrawal on my bank account amount from {$10000.00}, {$82000.00} and {$2000.00} from IRS AND Long game transfer on XX/XX/XXXX and XX/XX/XXXX. the agent just requested me to enter the branch XX/XX/XXXX, XXXX in person they file dispute and claim form. up to 7 business days processed credit back XXXX account. it has never happened. I decided to call agent on the phone. it said deny claim. I was extremely upset and XXXX off. I felt like they didnt believe me. I did proofed show everything on my statements proof. build the boil the blood and build getting angry because of my bank account overdraft. they not help me nothing. thy didnt do anything to help me .I decided to file a complaint and sue regions bank I decide to sue regions bank amount {$200.00} XXXX deposit back on my bank, they better owe me. up to 5 days response me I want them paid for and sue regions bank {$200.00} XXXX. I felt like they have been discrimation me because I am XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 361XX
Submitted Via: Web
Date Sent: 2020-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A