Date Received: 2018-09-11
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Last week ( XX/XX/2018 ) I began the process of Refinancing my mortgage to decrease my monthly payment. The Mortgage Loan Officer " XXXX XXXX '' sent me an initial loan estimate where the loan amount is {$170000.00}, I only owe {$160000.00} on my Condo. I asked the loan officer, why do they do this, " up the loan amount '', she couldn't give me an answer. I requested that she tell me where the " {$1300.00} '' difference go? Or could she provided me with those line items in the loan estimate that would total " {$1300.00} '', no response. I asked her for the Truth in Lending Disclosure Document and she said they don't provide this document anymore and I requested a notice explaining my rights, no response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35806
Submitted Via: Web
Date Sent: 2018-09-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/XXXX and its also reporting as opened on XX/XX/XXXX first inaccuracy this account is paid and closed at a XXXX XXXX credit report says its deposit related while the other two says installment. the amount is {$250.00} again with a XXXX balance and closed i called the company but they refuse to remove the account or report as positive
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63114
Submitted Via: Web
Date Sent: 2018-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had a car that I had to give up because of monetary issues.There were no payments ia arrears.I called the financier to come and pick up said vehicle.The car was sold and the remaining funds that were owed have been paid off.I want to know how to get my credit report cleared of this action as a " WRITE-OFF '' transaction! Please respond to this e-mail ASAP!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-05
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Regions Bank mailed me a credit card offer, their Signature Prestige Visa, which promised a {$150.00} cash bonus if I made {$1000.00} in purchases in the first 3 months after opening the account. I applied, was accepted, and received my card in early XXXX. I made {$1000.00} in purchases in the first three months, but Regions refuses to pay me the cash bonus promised.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62269
Submitted Via: Web
Date Sent: 2018-09-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-03
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I tried to get Regions Bank to refinance my HELOC 30 days before it reached maturity. We submitted the refinance loan application and their loan officer XXXX XXXX took 5 weeks to say " no, can't do. '' I was then referred by her to XXXX XXXX XXXX from the Loss and Mitigation Dept at Regions. Mr. XXXX send me a new application, I filled it out. It took me another 20 days to find out by Ms. XXXX XXXX, from Loss and Mitigation Dept that I was denied refinance because I had no sufficient Income to pay the Loan. Regions has not provided me with a monthly payment. I am not late in any type of payment since I dont have any assigned scheduled payment to make by Regions. I am not failing to make any payments. We feel Regions is being unfair by reporting us with " Late Payments '' to our credit bureaus since we dont have a way to make a payment since Regions has not open an account where we could make the payments. It's not our fault Regions approved us a line of credit 7 years ago and now they change their mind and tell us we aren't worth it of a credit with them. We have a Mortgage loan with Regions that we never failed to make a single payment and made all payments on time while the our HELOC was opened until it matured.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2018-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: i am writing because i have sent regions bank on XX/XX/2018, 2 different letters asking them to verify the accounts that i am responding to concerning these accounts.By law, they have 30 days to respond before they violate the law.these negative items are damaging my credit and causing me great grief.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39503
Submitted Via: Web
Date Sent: 2018-08-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX there is a hard inquiry on my credit report, I have not applied for any type of credit card from them. I don't know who keeps trying to get credit under my name but it needs to stop. XX/XX/2016 when the pull occurred.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2018-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Regions Bank XX/XX/2017 took {$2500.00} that was legitimately mine closed my account couldn't give me an explanation only said it was someone higher up. I went in throughout the day to speak with the bank XXXX as he watched my total balance start from {$2500.00} down to negative throughout the whole day and tried to help me get access to my funds which in turn they frozen my account with zero explanation. I had zero charge backs nothing wrong with my account. But they put me at- {$780.00} and in turn it got me in bad with trying to get a bank account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2018-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2018 Regions Bank paid an {$1800.00} check written on another persons checking account from mine. I discovered this on XX/XX/XXXX and called the bank. I was told that I would have to visit the branch in order to resolve the matter. I did that the following day ( XX/XX/18 ), filed a formal complaint, and was told that I should here from someone in a few days. As of today, I have heard nothing back. However, the funds were put back into my account by the next day. Fortunately, I had deposited money in my account just days prior that allowed the matter not to cause me a catastrophe. Not only was the account number on the check not mine nor was the routing number even similar. Not to mention the differences in the account holder ( s ) names and address. Even different states. Had this happened to my mother or sister it would have destroyed them. Neither of them have internet, meaning no PC banking, so they would not have even known until receiving their bank statement in the mail. Additionally, my sister does not drive and has medical issues so having to attend a branch would have been very difficult for her. If this has happened to me, I am willing to bet the same has happened to other customers. This could cause so very many issues, including very long lasting negative effects to a credit report. For anyone that has had incorrect or fraudulent information on their credit report knows how very difficult and time consuming it is to correct. I am attaching a copy of the other persons check and the Regions complaint ( to which I have still heard nothing. Not even a phone call to say they are investigating and will get back to me ). Because I have a copy of the check that is included with my online account I also have that customers address, phone number, and checking account number. Thank goodness I am not the type person to steal from another.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2018-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-17
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On several occasions now, Regions Bank, XXXX XXXX, XXXX Ga. where I opened the account, has taken money from me in the process of my using their services. This has become habitual. Currently, the bank on both XX/XX/2018 and again on XX/XX/XXXX of 2018, the bank withdrew fees, ( 3 ) in total in the amounts of {$36.00} dollars and then {$72.00}. The fees are for NSF charges and the account was NOT over drawn on any of the days and dates they did this. It is as if they are using my account like a cookie jar for their own use. I called and argued the fact back in XXXX and proved the account was not over drawn using the banks own statement for the day and days surrounding the debit, and they STILL refused to return the money. Getting away with this, they apparently feel free to do it again. The money missing this time prior to my realizing what they had done did cause my account to over draw a week later, by their construction, and a snowball affect of their taking more fees! THEY HAVE BLATANTLY STOLEN MONEY FROM ME, practice methods to then force and cause an infraction ; AND THEN TAKE THE POSITION THAT I CAN'T DO ANYTHING ABOUT IT! Can you please file a formal complaint and help me. I'm fed up with their many practices.They have at one time back in XXXX solicited me to use their bank to bank transfer funds process which, when I followed through in the amount of more than {$600.00} dollars, ( two separate transfers, and I paid a monetary fees for the service ) .... the money never showed up into the other bank. I waited days. When I attempted to located the transaction online within my statement, Regions took away my ability to access my account online. The tech department couldn't even get me a new pass word or fix the issue. After a week and in visiting the bank in person because the money just " disappeared '' and the bank refusing to return my money, I went to a lawyer and within several days I was back online and the money was returned. However, they are apparently now at it again. If they are bullying me and stealing from me, I'm sure I'm not the only one. I have photo copies of my bank statements and will attempt to forward them here if possible. Thank you, Ms. XXXX XXXX The Artists XXXX XXXX XXXX ( XXXX ) XXXX Cell ( XXXX ) XXXX Business
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2018-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A