Date Received: 2017-04-18
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Back in XXXX of 2010 I filed a Chapter XXXX Bankruptcy it was discharged in XXXX o f 2010 for s ome reason my Regions Mortgage was not reaffirmed. Since then they refuse to report my loan to any of the credit bureaus. My payment book comes in the name of my wife and myself, I 'm listed on the mortgage account on the warranty and security deed as well as the note. I call Regions mortgage and get a plethora of misinformation as to why they wo n't help me in any way. They portfolio my loan and have denied me a loan modification, HARP loan and even a hardship. I do everything I am supposed to make my payment on time every time and they continue to deny me the ability to refinance or reduce my 5.25 % 30 year fixed rate mortgage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-17
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My loan was sold to Regions Mortgage. I received a threatening letter concerning the status on my insurance. The Regions insurance representative informed me that YOU at the CFPB write the letters and that they are the only letters that can be sent out. It is rude, grammatically incorrect and threatening.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37934
Submitted Via: Web
Date Sent: 2017-04-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-13
Issue: Identity theft / Fraud / Embezzlement
Subissue:
Consumer Complaint: I am an XXXX driver and had a skimmer device steal my XXXX Fuel Card information, resulting in 3 fraudulent charges. After almost 3 months, XXXX still refuses to investigate the disputed charges or credit me for them. When I got gas at a station on XX/XX/2017, it said my XXXX Fuel card transaction was declined, so I had to put it on my own visa card. The station was XXXX, CA. XXXX. However, the XXXX charge later did in fact go through to my account in the amount of {$51.00}. Then on XX/XX/2017 two more bogus charges appeared on my XXXX gas card in the amounts of {$47.00}, and {$140.00} for stations I never went to. Also a third bogus charge appeared on my personal visa card in the amount of {$95.00}. A fill up only costs me about {$50.00}. I suspect that a card skimmer device stole my information on both cards. I reported the {$95.00} fraudulent charge to XXXX who immediately reversed the charge, blocked the card, and issued a new one. I also reported the other two fraudulent charges to XXXX 's card processor, Regions Bank, via phone, who said they could not do anything and all fuel card matters must be handled directly by XXXX. So I reported it in the XXXX on XX/XX/2017 and received a message about 24 hours later saying an investigation would be concluded within 5 days. After 6 days I contacted them and was then advised of technical issues preventing them investigating the charges or allowing them to block the card. I was finally able to cancel the card myself about XX/XX/2017 by finding a cancellation button on the XXXX website. As of this date, the fraudulent charges are withheld from my wages and no investigation has been started. I have attempted to communicate several times with XXXX to resolve this, however, as of XX/XX/2017 they still have done nothing citing technical issues. I feel that they are just stalling me with excuses and wish to make me responsible for the fraudulent charges, in violation of regulation Z of the Fair Credit Billing Act, and possibly California Labor Laws, which prohibits employers from deducting such damages from employees ' wages.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92656
Submitted Via: Web
Date Sent: 2017-04-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-11
Issue: Customer service / Customer relations
Subissue:
Consumer Complaint: I telephoned Regions Bank at XXXX pm CST on XX/XX/2016 to make payments on XXXX credit cards that were due that day. I was placed on hold for an excessive amount of time and was transferred between numerous employees who were unable to pull up my account information. I gave my credit card number, federal tax id number, name, address, and other personal information to multiple operators and none of them was able to find my account in their system. This prevented me from making the payment on the date that it was due. The incompetent service at Regions caused additional late fees to be charged to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70119
Submitted Via: Web
Date Sent: 2017-04-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-10
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: Dear, Sir/Madam This complain is about Mortgage Application with XXXX. I has filed an application for refinancing my home with XXXX on XX/XX/XXXX and they had Quoted a rate of {$780000.00} with an interest rate of 2.750 % with .250 % discount. And we were told we are closing on XX/XX/XXXX at XXXX and the documents were send to me on XX/XX/XXXX at XXXX upon reviewing the rates were change to this 3.25 % with 1.75 % discount points. After this please see the below conversation with the bank. Hello XXXX, XXXX, XXXX, XXXX and XXXX We are scheduled to close tomorrow. I have just received the documents, and I see a huge discrepancy over the points. Initially we have agreed upon {$780000.00} with an interest rate of 2.750 % with .250 % discount. Please read the email sent by XXXX XXXX confirming the same. Attached are the document that were sent in XX/XX/XXXX. The documents sent to me today state an interest rate of 3.25 % with 1.75 % discount points. There seems to be an error with the figures, I would like to get the old rates confirmed in writing again before we close. Sorry to put you people thru any inconveniences, I have been asking for these documents for quite a few days now, it was sent to me at the last moment. I have also scanned the old documents for you to compare. The appraisal amount on my home was also undervalued by XXXX and appraised at XXXX. After I questioned it and told XXXX why the other banks appraised at XXXX, which I proved it to him by sending the copy 's from the other bank appraisal, it was redone and therefore adjusted to XXXX. We seems to be having problems every step of the way. Could someone please look into the matter and get back to me ASAP. I would like the rate promised to me to be honored, and to reschedule the closing for next week if all terms are agreed upon. I will offer an explanation for your pricing question : A mortgage is a commodity priced to market every day - sometimes more frequently with intraday rate adjustments in a volatile market. Customers elect to lock or float at application. You elected to lock your rate. XXXX has been honoring the rate on your loan at 3.25 % for more than 6 months. The rate was locked on XX/XX/XXXX and has been extended since. The fee to extend rates is costly - we have subsidized 1.25 points as part of a total of 3.00 points for extensions. Our goal is to earn 1.00 Origination on every loan. As you can see, we have forfeited this yield in order to honor the interest rate for you. The choices at this time are XXXX Close at 3.25 % with XXXX points today XXXX The current rate expires on XXXX. If the pricing on XXXX is worse, you get the new rate with market points ( potentially no points. ) If the rate on XXXX is better - all Lenders are required to use the " worst case '' scenario and the XXXX with XXXX points remain. & gt ; If we let the rate expire on XXXX and wait 30 days - we can relock at the then market rate on the 31st day and none of the extension fees apply. Obviously, the risk is where the market rate will be in 37 days. Hi XXXX, Thanks for you explanation but the lock rate was 2.75 % with XXXX points discount for 60 days please see attached. Not 3.25 % with XXXX points. And as you know I have forwarded all the correspondence I have with XXXX there was no delay from my side at I had complied with all the request from your bank. If there was any changes done why was I not notified about this. You are correct however the pricing changed once the appraisal was received. The independent appraiser assigned a value that was lower than anticipated by you and XXXX. I wo n't review the entire appraisal history as we all know the disappointment - however the Loan to Value increase triggered the rate change to 3.25 %, which was disclosed to you. The extension fees to continue to honor
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33496
Submitted Via: Web
Date Sent: 2017-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-08
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: On XXXX / XXXX / 2013 s omeone I do not know did a mobile deposit in the amount of {$2700.00}. On XXXX / XXXX / 2013 so meone sent that money via XXXX XXXX to a unknown person. The bank did not wait for the check to clear and when it bounced I was told I was liable. The signature on the check is clearly not mine. My computer was hacked and my banking information was compromised. For 4 years I have not been able to secure a checking account other than an internet bank. I have a copy of the check and signature as proof it was not me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 149XX
Submitted Via: Web
Date Sent: 2017-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-07
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: Yesterday, I deposit a check from my company account ( XXXX ) to my personal account ( Regions ) using my mobile and I selected from the deposit option to be cleared last night and paid the {$3.00} fee requested. With no warning, this morning I see that my check is ON HOLD XXXX XXXX XXXX while the money was taken last night from XXXX account. Basically, Regions Bank is holding my money ( XXXX {$3700.00} ) for 8 days, with no reason and no warning. By the way, the money was to pay my mortgage with Regions Bank. This is an abuse and arbitrary action and when I asked where can I write a complain the denied me the information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33179
Submitted Via: Web
Date Sent: 2017-04-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-06
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: In XX/XX/XXXX I took out a loan with Regions Bank for the purchase of a personal vehicle. Over the course of the loan there has been a couple issues with payments not being applied correctly or in a timely manner. On XX/XX/XXXX I submitted vehicle loan payment to Regions Bank for the amount of {$800.00}. Approximately one week later Regions Collections dept called and advised that they have not received payment and needed payment to be submitted at once to keep the account from going to collections. At this time I contacted my bank ( XXXX ) and received a proof of payment AND a copy of the check that was sent to Regions. This copy of the check was endorsed/signed. This info was provided to the collections department ( XXXX ) on XX/XX/XXXX. XXXX advised that she was going to have to escalate this issue and have it investigated by Regions. XXXX also advised that Regions would contact me and let me know the status of this issue. On XX/XX/XXXX I contacted the collections dept again and was told that they still did not have any resolution and I should speak to a supervisor. I was given the name of XXXX and spoke to him on Monday XX/XX/XXXX. He also advised that this was going to need to be investigated by the Region team and to call back on XX/XX/XXXX. At this time XX/XX/XXXX I also submitted a copy of the proof of payment and a copy of the endorsed check to XXXX. On XX/XX/XXXX I contacted XXXX regarding the issue with this account. He stated that Regions did look into the account even after reviewing the XXXX supplied Proof of Payment and copies of the check Regions will not apply the money to my account. Regions stated that it is up to me " XXXX '' to prove to Regions that the check has been cashed. Regions has provided no assistance in correcting this issue other than advising me that they supposedly do not have they money and I need to prove to them that they have the money before they will apply the payment to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 068XX
Submitted Via: Web
Date Sent: 2017-04-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-04
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: I sent Regions Mortgage a notice for Full Disclosure concerning our loan agreement, after discovering that there was material concealed and omitted from the agreement that I and my wife never agreed to, nor gave permission for Regions Mortgage to conduct. I requested for Full Disclosure for all Bookkeeping Journal Entries associated with our loan, which I have a right to by law, and Regions Mortgage replied to me by saying ; they decline to respond to my request, saying that it is irrelevant to our mortgage loan account. In all actuality, nothing could be more relevant to our mortgage loan account, because Regions Mortgage knows that Full Disclosure of the Bank Bookkeeping Entries, prove that they are in Breach of Agreement, and once again, I have a right to this information, by Law of Evidence! I requested for Regions Mortgage to give me Full Disclosure of the Deposit Slip for the Deposit of our Promissory Note associated with our loan, and they replied by saying ; my request is both unduly burdensome and irrelevant, and therefore Regions Mortgage declined to show me our Deposit Slip of our Promissory Note, which we have a right to by law! Regions Mortgage is in violation of the GAAP, which states that the bank owes the depositor ( US ) money for depositing our note, that Regions Mortgage never told us about, nor did we give them permission to conduct such a transaction in our name! Also, per the banking law, if the bank deposits the note, they must give you a deposit receipt, as mentioned in 12 U S C A Sec 1813. We know that Regions is in Breach of Agreement and has broken the law, and all we are asking for, is the Full Title to our home, showing paid for in full and fully discharged, and we will not demand for Full Disclosure to the Bank Bookkeeping Entries and for the Deposit Slip of our Promissory Note. Regions did not deny the deposit of our Promissory Note, because the Federal Reserve Publication already reveals that the banks do not give loans ; but they are to take the borrows Promissory Note in exchange for credits to the borrowers transaction accounts, which is an exchange, not a loan.
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: 2017-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-04-03
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: Regions Bank granted a {$500.00} line of credit loan to me in which I defaulted on. In XXXX XXXX, {$79.00} was withdrawn from my checking account without my authorization to be applied to the balance owed. XXXX XXXX, XXXX, {$150.00} was taken from the checking account again without my authorization and the line of credit was showing active but I was not allowed to withdraw any money from it. This amount caused an overdraft in the account and the my car insurance premium was cancelled for non payment due to the unauthorized amount coming out of the account, attempts to reach the debt collector was futile XXXX XXXX. XXXX {$130.00} was taken out of the account without authorization, XXXX {$100.00}, was taken out without authorization, and XXXX XXXX, XXXX XXXX was taken out of the account without authorization. I called the debt collector XXXX XXXX, XXXX and spoke with an agent to question why I have paid {$670.00} on a debt of {$500.00} and can not see the activity history to explain to me why I am paying more than what 's owed if the account is closed. The agent stated that technically the account is not closed and to use a different word to describe the status of the account. His explanation of the status is that it is still active, I just do n't have access to withdraw any funds from it and it still shows active with a {$500.00} credit limit with no available balance and I still owe {$220.00}. I asked him for what, he stated for late fees and interest. I asked him why I was prevented from seeing the payment activity history online when viewing the account, I had to use the checking account statements to see the amounts taken out of the account but no statements from the debt collector to show the payment history neither in writing nor online. When I accessed the online checking account and clicked on the account for the line of credit, it only shows the amount owed, does not show an activity history. The agent advised me to pay the {$220.00} to clear the account and I stated to him that he has not sufficiently explained to me why I still owe anything as they have not sent me a statement. There has been no statement to show how they 've determined that I owed XXXX, that amount never showed on the online line of credit account, just the {$500.00} credit limit and balances once the debt collector withdrew the money out of the account without my authorization.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 445XX
Submitted Via: Web
Date Sent: 2017-04-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No