Date Received: 2020-06-22
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: After depositing a personal check from another bank to open a new checking account at Regions Bank, I received a letter from Regions stating that " We have confidential information that indicates the check may not be paid '' and placed an eleven day hold on the account. Since the " check '' was a personal check from from me, they basically are suggesting that I wrote a bad check. I inquired from several persons at the bank and they advised that they were unable to provide me the nature of the " confidential information. '' One employee suggested that this notice is standard and originates with their '' Regions Check and Fraud Monitoring Department. '' Anyway for the bank to make a false claim in order to extend the holding period is WRONG! Personal Information XXXX XXXX XXXX Regions Account Number XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2020-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-22
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: In XXXX of 2020, I opted to purchase a used vehicle from a friend. I live in North Carolina, he lives in Georgia. He didn't own the vehicle outright, it was financed with REGIONS BANK, the original finance company when he purchased the car new. So, in an attempt of convenience, I opted to take out a vehicle loan with REGIONS BANK for the balance owed, to streamline the process. My loan was approved on Friday, XX/XX/XXXX. On Monday, XX/XX/XXXX, in additional communications about the loan with XXXX XXXX and XXXX XXXX, I included in my email communication about the location difference of myself, in NC, and the seller/vehicle residing in GA. I advised that the seller and I could meet at REGIONS BANK branch in XXXX, SC, on Friday, XX/XX/2020, to complete the vehicle sale and paperwork and I would take the vehicle at that time, and the loan rep set up the appointment for me. A branch rep with REGIONS BANK in XXXX SC, XXXX XXXX, advised me ON that day of the loan closing, that I also had to pay REGIONS BANK for North Carolina tax, registration fee and tags. I would not be allowed to complete the loan to purchase the vehicle without paying the NC DMV fees to them, either in cash or rolling into the vehicle loan. This information and expectation was not divulged during the time prior to XX/XX/XXXX. I opted to roll it into the loan as I was not prepared with the additional funds due to the lack of that very necessary information. XXXX advised after the paperwork was completed that I had everything I needed and to just take the paperwork to NC DMV to obtain my NC license plate. On Tuesday, XX/XX/XXXX ( after XXXX XXXX ), I arrived at NC DMV, waited my turn in line for a license plate, and presented the paperwork. The DMV clerk asked for the title. NC DMV requires the physical title to register a vehicle. No title, no registration, no license plate. I was quite taken aback by this, and I immediately called XXXX at the REGIONS BANK XXXX branch, told him I was at DMV and what the DMV clerk was telling me - no title, no registration, no plate. To make sure XXXX understood what DMV needed, I asked the DMV clerk to speak with XXXX directly, using my phone, so everyone understood what seemed to be missing, keeping me from obtaining my license plate. Afterwards, I got back on the phone with XXXX, and he said he would send an email to contact someone in REGIONS ' auto department to send the title work to the DMV contact and address as provided by the DMV clerk during their phone call. I attempted to contact XXXX multiple times about the status of the title over the following week and a half, because nothing was happening. His response to me was he was waiting for someone at REGIONS to respond to his email, and he would get back to me. He never reached back out to me, then when I contacted him, he said not to call him anymore, he can't help me. He, REGIONS BANK " Financial Relationship Consultant, '' ghosted me, the customer, who was forced to pay these DMV fees with no advance communication, and now ZERO ASSISTANCE. Today, XX/XX/XXXX, a month later after completing the loan paperwork, after making the first required payment, after multiple phone calls to the REGIONS BANK loan and customer service phone numbers - SO MUCH RUN AROUND, multiple excuses, volunteered misinformation, and I STILL HAVE NO TITLE for a vehicle I AM PAYING ON A LOAN FOR THAT I CA N'T DRIVE!! And no one - NO ONE - I talk to seems to know how to get it, what's involved, or even direct contacts in their own company!! I can not believe I have continually interacted with so many people who know nothing and can't seem to help me - like it's either their first day at work, the first car loan ever processed by this national bank, or the department that maintains the car titles at REGIONS BANK is so TOP SECRET it's not even listed in their company directory. I was even advised to ask my friend, the seller, to go to Georgia DMV and ASK THEM FOR THE TITLE!!! In an attempt to help me, he did, and what did Georgia DMV say??? They don't have it, contact the company that had your vehicle loan, which was REGIONS BANK!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 276XX
Submitted Via: Web
Date Sent: 2020-06-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/2019 I received a notice in the mail from XXXX XXXX XXXX XXXX a debt collection company and they are attempting to collect a false debt. XXXX admits to being a third party, and I never gave them consent to have my location information. My consumer rights have been violated and I demand to receive remedy for each of the cited violations. There are a total of six ( 6 ) violations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2020-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Fleetcor provided TOS that it guarantee fraud protections with its cards to prevent theft. Charges start to appear on account that ws suppose to be closed. I had asked for proper documentation to dispute debt. But in XXXX FTC filed complaint about it fraud protection and other practices that are illegal in federal court Case XXXX. I have the complaint form to this document I will provide. I had informed the company these charges are not mine and I am disputing them. No form ever arrived or with various communications with the company Fleetcor nothing ever arrive. I am party in the lawsuit being a client the company Fleetcor has sent this account collections XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX. Violating court order while proceeding are on going. No attempt shall be made to collect any debts until settlement is determine in the case filings. But yet I still receiving such letters even provided the complaint to agency tell them to stop harassing behavior and I infomed them next step is lawsuit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 461XX
Submitted Via: Web
Date Sent: 2020-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-19
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I inquired about the $ XXXX monthly fee on account XXXX XXXX XXXX at Regions Bank late last year. I was told that if we have a paycheck direct deposited into the checking account, the fee would be waived. We pointed out that we do indeed have a paycheck direct deposited into that account every month and the branch manager said " he would take care of it ''. I've been charged {$8.00} a month ever since. I bring it up EVERY time I talk to anybody at Regions and they always assure me " they will take care of it ''. They have pulled {$48.00} out of my account in XXXX that should not have been taken out and it appears they will continue to do so indefinitely. This is WRONG!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39056
Submitted Via: Web
Date Sent: 2020-06-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-11
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I made 2 times payment of {$650.00} to Regions Bank by phone. Unfortunately they said they received the payment after hours and they reported 2 late payments on my credit profile.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32819
Submitted Via: Web
Date Sent: 2020-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-08
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I reached out to my current lender who is presently holding my mortgage, to explore options for refinancing with them. I initiated the first contact with them on XX/XX/XXXX. After several delays and standing me up on a couple of meetings, the loan officer finally connected with me on XX/XX/XXXX. He sounded pleasant and eager to get my business and got all my details ( including my personal details, income, assets, property details, ssn ). He ran a credit check on me and my wife. Then he offered me 3 options ( interest rate for a portfolio, Interest rate for selling to agencies, Interest rate for selling to agencies with no closing costs except appraisal ) with a interest rates ranging from 2.375 to 2.875 % on each of these options. He told me to apply online if i am interested to take this forward. I filled up the application with them online onXX/XX/XXXX. The loan number was created online and the interest rate in the system showed a different rate ( 2.75 % ) completely different from what we earlier spoke. I emailed them indicating this, and got a reply on XX/XX/XXXX, that i am eligible for the same rates and options that I was originally offered and there should be some system glitch. I responded to the email that I am choosing the portfolio loan ( 2.375 % ) and asked them to update their system and send me a loan estimate so that I can compare their offer with the other lenders and make a decision. They had not corrected the rate in their system nor given me a loan estimate till date ( its more than 5 business days since my application ). I followed up with them over emails twice last week as well as I called the loan officer and left a VM on Friday and i have not get any return call yet. I got an email from their processing team on Saturday XX/XX/XXXX asking me for documents and next steps for underwriting. I was baffled and told them that I have not even got the Loan estimate nor given them any confirmation to move forward. I requested them to cancel my application expressing my disappointment and explaining the situation. The processor acknowledged my email today XX/XX/XXXX copying the loan officer thanking me for the feedback. Till now I have not got any Loan Estimate from them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2020-06-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-06
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I have contact Regions Mortgage and bank several times as well as the creditors and ask them to report my payments for the mortgage. The mortgage company is saying they are reporting it and the credit company is saying they dont have it. I have try to resolved this for several months. It effect my scores and limit me the best rates for refi.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38017
Submitted Via: Web
Date Sent: 2020-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX, a debit in the amount of {$2200.00} was taken from my checking account at XXXX XXXX. It was reportedly sent to XXXX. XXXX claims these funds were never received and XXXX states funds were withdrawn and I would need to talk to XXXX. Both institutions are telling to talk to the other. I even went so far as to have a conference call with both institutions to resolve the matter. To this date, no funds have been returned to me. This has caused serious hardship for me in that my mortgage now considered late, late fees were assessed and it has affected my credit. XX/XX/XXXX Online Payment XXXX To XXXX, XXXX. XX/XX/XXXX XXXX payment {$2200.00}. The Trace number is XXXX It has been further reported that XXXX sent these funds to my new loan service provider Regions Bank. They claim funds have never been received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89521
Submitted Via: Web
Date Sent: 2020-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-03
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: My wife 's payroll for the month of XXXX was deposited on to my XXXX payroll card from her school district, but then was forwarded as a direct deposit to another prepaid card and account that is not ours and we have no access to. We have called a requested the money transferred back on numerous occasions without success.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75165
Submitted Via: Web
Date Sent: 2020-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A