Date Received: 2019-09-04
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Last month Regions Loan XXXX # The modification was approved. The documents were printed with my ex-husbands name on them. Had to be redrafted. My home is in XXXX and im working interim in XXXX New docs XXXX out to my XXXX address and i returned immediately with notary however one page had an additional extra witness signature required that the notary here in XXXX stated was not necessary. Hence the documents were denied and a second set was set back to my home in XXXX and i was waiting on them in XXXX the same address that they had just sent them. I was then told to download the XX/XX/30 docs from XXXX. I did and later that evening received an email that my deadline was last Friday the XXXX. Tuesday XXXX after over 20 calls and email unreturned i left two voicemails. Many disconnects on their line and no one at any of the three extensions that i had. Today i made my payment on time and submitted the corrected documents with a copy of my divorce decree a third submission. As of XXXX pst i was told that underwriting was not going to accept my modification paperwork. I am filing a complaint in a few minutes when the supervisor XXXX XXXX returns my call. I have never had regions successfully return a phone call so im very concerned that nothing will happen My home has equity and my loan is 300,000 plus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2019-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-01
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: On Saturday, XX/XX/2019, I ( regretfully ) put a {$3200.00} deposit down for, what XXXX XXXX XXXX XXXX XXXX told me, was rats. The total for the services was estimated by them to be XXXX. ( They had originally told me it was to be {$12000.00} ). On XX/XX/2019, I asked him to refund my deposit because I would not be able to afford the whole service as I am a XXXX and don't get paid in the summer and have XXXX daughter in XXXX whose tuition was due. Also, at that point, I was beginning to question the amount he was charging me for rat removal. I had a gut feeling he would not refund my deposit although no where on the estimate or invoice were terms of agreement or a no refund policy, nor had I signed anything.The owner of XXXX XXXX XXXX responded to my text and said he had already purchased the materials for my job. I went to Regions Bank, which is where my credit card is from to file a dispute and gave them the information so they could submit it from their branch. I then had another company come out to give me a second opinion. I realize this is not the order in which I should have approached this situation, but when I was told I had hundreds of rats in my attic and the fume of their XXXX can make us sick, I acted out of panic. XXXX XXXX XXXX XXXXXXXX came out, took one look at the entry point of what was getting into our attic, and their type of XXXX, and concluded that we have BATS, NOT RATS, that there was NO WAY rats could get into the opening he saw on our eve. Bats are protected until XX/XX/XXXX and it is a Federal Offense to disturb them in anyway during their window of protection. XXXX XXXX XXXX XXXX XXXX would have violated that had they continued with the " Rat Removal ''. I then went back to Regions to add a fraud complaint to my dispute information. After the 30 days of my dispute ( XXXX XXXX ) Regions did credit me the money from XXXX XXXX XXXX XXXX XXXX. Friday, XX/XX/2019, They reversed that credit BACK TO THE MERCHANT. The only way I know the credit was reversed, is because I check my accounts daily, they had not given me any written notice or verbal notice prior to taking my money. One week after the reversal, I received information in the mail from Regions. The evidence that the merchant provided them was not evidence he had EVER given to me. The merchant had given them a " No Refund '' statement on a piece of paper and told them I declined to read the terms and agreement, both of which I was never even provided with from him. I did a little research about rights of credit card holders and acquired some knowledge about the law under the Fair Credit Billing Act and the Federal Trade Commission and know that I have the right to my money back. Regions Credit Card is now giving me the " RUNAROUND ''. The supervisor of the claims and dispute division was not even responding to me until I basically threatened to stop ALL of my banking services from Regions. She said she would be investigating more and is sending it to corporate office, but still can not give me my money back at this point. I am appalled that Regions would be so careless and accept false information from a company instead of protecting their customer who has a long history of banking with them. I am also questioning how much research they actually practice before making their decisions and who makes these decisions? I am also questioning XXXX XXXX XXXX XXXX XXXX as, in hindsight, am not sure if they have a business license, insurance, or tax i.d..And, does it truly cost over {$6000.00} to remove rats?! I will be reporting XXXX XXXX XXXX XXXX XXXX to the FWC and XXXX XXXX XXXX. This has been a nightmare for me and has affected me physically as well as taken time out of my teaching day to try to resolve this issue. The minimum hold time to speak with someone in the dispute department at Regions Credit Card is over 30 minutes. I have called three times and it has gotten me NO WHERE!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34677
Submitted Via: Web
Date Sent: 2019-09-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There were fraudulent usage of my credit report shared without consent, I have a lot of credit inquiries on my report that I do not recognize. I have no knowledge of these credit inquiries from these unknown sources.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76002
Submitted Via: Web
Date Sent: 2019-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-30
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I recent just start off with the bank me and fianc only had it less in a week, my account was hacked and compromise they sent me letter the mail saying it was a check deposit XX/XX/2019 large amount XXXX ... regions didnt tell me and fianc they had a data breach going on. My fianc account was hacked as well they try too blame her for begin responsibility but she was hacked as well they got data breach compromised they know it but didnt tell us bad company they closed my fianc account aint do nothing about it this bank need be closed they are unprofessional I was wondering why they dont get a enough business ... .they are not caring bank I want me and fianc shouldnt deal no comprised on a bank that dont care or try too help us its sadden we feel unsafe with our ssn numbers if our account on compromised ... something need too be done we shouldnt have pay no fees nun we need our money back and refund
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36869
Submitted Via: Web
Date Sent: 2019-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-29
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: This has been going on very continuously the past 6-7 mos. I never signed up for overdraft. I have locked my debit card for over a month now. With regions lock it. I have been charged {$36.00} numerous times. If there is even 1 cent in my account they have paid for things as silly as a {$1.00} membership to some app then charge me {$36.00}. If the money is not in the bank I cant withdraw from an atm. Or use it anywhere. So how is it legal for them to choose what they want to pay for.? I'm so fed up with regions bank. If I were to go back from the time I opened my account til now it would be over {$1000.00} in fees. Then if its negative already and then charged and charged I am just too the point I feel robbed. They have changed the type of checking account I have with no notice of monthly fees that would be charged. I will not pay another penny to them. Because of all the money they have robbed of me they should have plenty to cover whatever amount it is today they say I owe now. I dont even use this account anymore. I go from having {$41.00} in the bank to within a few days - {$130.00} then two weeks - {$250.00} how is that possible when I personally have not used the account and it is supposed to be locked. I have cancelled everything. And they still find something to mess me all up over and over month after and I have had enough. If they want to report it to credit. I dont care. It will be worth not to see another dime of my money to go to that bank. I'm changing to a new bank. New start. Regions bank is horrible. Any bank that takes your money when it is not available is ridiculous. I never signed up for protection. So therefore it should of never happened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 720XX
Submitted Via: Web
Date Sent: 2019-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-25
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My debit card I'd ss card sons ss card and checks was stolen I disputed the transactions made police report and my bank will not refund my money over {$600.00} dollars. Regions Bank is nothing but liars and thieves
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-24
Issue: Fraud or scam
Subissue:
Consumer Complaint: I initiated a XXXX transfer of {$220.00} to a merchant thru regions bank and never received any products I ordered. I was scammed. I called my bank and they told me they would open a claim but that I would most likely not get my funds back. The money was XXXX on XX/XX/2019. The number was changed and the person no longer responded to any of my texts, calls or emails or messaging on social media. Then she responded saying get over it and cursing me out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34638
Submitted Via: Web
Date Sent: 2019-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-20
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: I need my money out of my daughter account . Because the bank she deal withdidn't give her the money that I tell her to put into your account. Her light got cut off . I need my money back now.
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: 2019-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-20
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have a new truck loan with regions bank in XXXX XXXXXXXX flAbout XX/XX/2019 I get a call from a bank manager XXXX who states someone pretending to be me is trying to cash a check against my checking account the police are called the person is arrestedI’m then told I must sign a release form or my account will be frozen and my automatic payments for my truck can’t be processed from that checking account I must appear in person and have the funds transferred to a new account I then ask since I live in Colorado can the balance be applied to my truck loan I’m told no so I have regions send me a new form for auto payments and I think all is well I see the payments going out to them monthlyThen on XX/XX/XXXX I get a letter with my name on it that’s got the wrong mail address on it starting they took out money from my checking account from regions to pay my past due truck payments first I know of any problemI cont my bank in Colorado and I find out regions stop taking payments out in XX/XX/XXXX I call regions and I explain this to 4 different departments with four different reason why payments stop coming from bank of Colorado none where for no funds availableMy credit is ruin as of no from 4 non payments I ask the bank manager in XXXX XXXX regions bank and to my surprise I find out my account was never frozen so I ask why cant I have my payments taken out of that accountThey are going to get back to me regions has my correct mail address as I get monthly statements from them from my checkingI have received no loan statements in 5 months I don’t know what the big withdraw from my supposed frozen checking account at regions is for or broken down and no one will XXXX any question as to why this happened
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 812XX
Submitted Via: Web
Date Sent: 2019-08-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My homeowners insurance policy (dated XX/XX/XXXX - XX/XX/XXXX) with XXXX was cancelled due to Regions Mortgage (XXXX XXXX prior to XX/XX/XXXX) failure to pay the premium. They then deducted $XXXX from my escrow account for forced-placed insurance. My loan originated in XX/XX/XXXX. Regions Mortgage failed to pay the homeowners insurance due in XX/XX/XXXX and XX/XX/XXXX. Although they claimed to have paid it, they did not provide proof of those payments. After multiple attempts and countless hours on the phone with customer service, they eventually credited back the premium amount to my escrow account and reissued payment just days before the policy was going to be cancelled again in XX/XX/XXXX.The same issue for the previous year has yet to be fully resolved. My statement shows both a premium payment and the additional $XXXX was paid out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97702
Submitted Via: Web
Date Sent: 2019-08-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A