Date Received: 2017-02-13
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: In accordance with the Uniform commercial Code, I used legal tender in the form of a unconditional, readily saleable promissory note, that can be financially traded or monetized very easily by the Banks ; to pay off our remaining balance on our mortgage debt in full, to Regions mortgage Bank. I sent Regions Bank a legal notice, with the promissory note, that indicated to them, that if they refuse my legal tender for payment, to send me back the promissory note, with a written explanation, as to why they are exempt from legislation ; however, Regions mortgage only sent me back a letter stating that my promissory note, does not constitute valid legal tender, and is not an acceptable form of payment, etc ..., etc. What I do n't understand, is why Regions Mortgage would say that my promissory note is not legal tender, when the UCC clearly states that it is ; and I sent them many different sections of the UCC that explains how the promissory note is legal tender. What I found to be ironic was, even though Regions refused to apply my legal tender towards paying off our mortgage debt, they kept my promissory note, which is unlawful, because the promissory note is equivalent to cash money, based on what the banking dictionary says in the XXXX addition by XXXX XXXX XXXX ; which is, the definition of money is a promise to pay, or to owe, because it 's not backed by gold and silver anymore. When Regions mortgage kept my promissory note, it was the same as keeping someone 's cash money and refusing to apply it towards their debt, and that is very unlawful! Also in the UCC, it states that if legal tender is refused, then the debt is discharged ; and according to XXXX XXXX, I am a XXXX with the right to use promissory notes with the banks ; and last but not lease, the Federal US court of appeals ruled on title 31 USC 5118, as of XX/XX/1977, legal tender for discharge of debt is no longer required ; that is because, legal tender is not in circulation at par with promises to pay credit. Requirement of repayment of debt need only be made in equivalent kind ; a negotiable instrument, which is what a promissory note. Also, Regions kept XXXX of my promissory notes that I sent them.
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: 2017-02-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-02-07
Issue: Unauthorized transactions/trans. issues
Subissue:
Consumer Complaint: Someone used my prepaid card. I contacted them immediately and told them that I was working at the moment, and I asked them to stop the transactions. Ive already sent them proof. But they told me to speak to the store, and the store told me that they cant do anything. Several days have gone by nowthis happened on XX/XX/2016, and I still dont have an answer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92571
Submitted Via: Web
Date Sent: 2017-03-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-07
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: After review of my report I have made several efforts to have this account removed through the credit reporting agency. I took steps to freeze all my credit reports and file a police report to protect my name. The company has decided not to communicate with me over any of my requests that have been submitted. These accounts I have no Knowledge of the account that the reporting company has on my credit reporting account. I have repeatedly attempted to remove the account an the company and the credit reporting agency has not contacted me. According to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. With in 30 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2017-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-02
Issue: Other transaction issues
Subissue:
Consumer Complaint: I have banked with Regions bank several times in the past, most recently from XX/XX/XXXX to XX/XX/XXXX, a which time I had both checking and savings accounts, business checking and savings accounts and a personal line of credit of {$2500.00}. In XX/XX/XXXX payment on my line of credit was coming due and I transferred more than {$2400.00} from my checking account to make the payment. The next day I transferred a similar amount from the line of credit back into my checking account in order to pay other bills. Shortly thereafter I noticed that Regions had added the original payment amount ( made to my line of credit ) back into my checking account and debited my line of credit the same amount, while at the same time reversing the payment I had made to it. This increased my line of credit debt to twice its original amount. A series of penalty fees then charged to me on both my checking account an line of credit. Because I had a similar experience in early XX/XX/XXXX, where transactions recorded on my online accounts mysteriously disappeared from those accounts and I had not printed out the transaction results to verify them, this time in XX/XX/XXXX I did print out verification. I have tried to negotiate with Regions on multiple occasions without success. I asked them to simply remove the penalty fees from my accounts and I would pay off the total balance on my line of credit in XXXX or fewer months. They refused. I then threatened them with closing all my accounts and not paying the line of credit unless they removed the unfair fees and allowed me to payoff the true amount owed on my line of credit ( somewhat less than {$5000.00} ). Again they refused. I researched complaints against Regions at that time in XX/XX/XXXX, and found the vast majority of those to be about all of the " unfair '' late fees, NSF and OD fees Regions levies on their customers. At this time, in my latest attempt to resolve the issue with Regions, I noted the consent order by the XXXX resulting in a {$7.00} XXXX fine against them, as well as a payout of over {$50.00} XXXX back to their customers. I explained to Regions that I would file this complaint if they were not ready to resolve the issue and again they refused.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30240
Submitted Via: Web
Date Sent: 2017-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-01-31
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: I was defrauded by two companies XXXX-which is under suit- and XXXX dba XXXX dba XXXX. XXXX stole money to pay XXXX, which is in settlement for chXXXX and disputed since XXXX. I had an attorney on retainer. They wardialed me multiple times. This I can prove. XXXX took advantage, scammed me into a bait and switch, slapped digital banners in my face, sent my internet willy nilly an infected four machines, which I had to disinfect. REIGONS, the bank in question is refusing to settle any claim whatsoever. XXXX is doing same on other matters, I am more concerned with my bank and how banks are getting away with more and more consumer fraud and deciet. VISA and MC, even XXXX have policies which these corporations DO NOT ABIDE BY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 385XX
Submitted Via: Web
Date Sent: 2017-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-31
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I opened an account on XX/XX/2017 for a bonus {$400.00} promotion they advertised. I opened this account over the phone and funded the account with my visa card the same day with {$1000.00}. I received the debit card several days later. When I called to activate, I was informed the account had been closed the same day and that I would get a refund of the opening deposit as well a letter explaining the closure. I called on XX/XX/2017 to inquire ron the status of my {$1000.00} deposit. I was informed by XXXX that there was no posting of the opening deposit and that no refund would be issued.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60056
Submitted Via: Web
Date Sent: 2017-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-31
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: Open a new checking account with Regions account was opened on XXXX and make ACH deposit on same day. For unknown reason my Regions online access is block and ACH was return. I called their customer service help and they said there is fraud alert i just need go to branch to verified my ID to lift the block. Went to the branch and speak with manager there provide my ID and even sign and signature card agreement but after almost an hour later manager still cant get my account unblock. Called their customer service and also online banking department they all told me to go to branch to lift the block even i told them i have done that already manager cant get account unblock. At this point i feel if they dont want my business i am gladly take my money elsewhere but Regions want to charge me {$25.00} for closing account that is under 60 days of opening. I have done nothing wrong why should i pay the penalty for their incompetence. They are the one whom block online access and also return my ACH without any justification i want them to close the account without {$25.00} penalty fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77083
Submitted Via: Web
Date Sent: 2017-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-31
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: My wife ordered a beauty product called XXXX online and only ordered the product once. However this fraudulent company started sending more products without her permission and charging the account. We kept going to Regions bank disputing it. But they kept jacking us around saying they would resolve it. Never happened! So we paid the negative and closed the account. Even after the account was closed Regions bank continued to allow this fraudulent company to send charges to an account we closed. Then Regions bank keep sending us notices that we are in negative overdraft charges. Regions is doing this so that the account will go to collections and affect our credit and then it will force us to pay money we do n't owe. In 2015, Regions Bank had to pay consumers back XXXX XXXX dollars in fraudlent overdraft fees for ripping off its own customers. They will never allow any of your accounts to close even after you take out a your money and close the account it 's really not closed. I took my money today different bank but Regions bank is still keeping an old account open with no money in it and keep allowing XXXX to charge it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 372XX
Submitted Via: Web
Date Sent: 2017-02-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-30
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: I was cashing a personal check from my nephew in his Regions bank. The bank officer called my nephew to verify ( unusual ) and had to wait 20 minutes for him to respond. The bank officer then took me to the teller at which time after giving them my license and being finger printed and signing check, they stated there is a {$20.00} fee to cash a check at their bank. The could not produce the fee structure nor could they produce a receipt showing where the {$20.00} fee was deducted. I believe they are stealing from unsuspecting people. I want the {$20.00} " fee '' returned.
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: 2017-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-27
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: On XX/XX/XXXX I was charged XXXX by XXXX. I had canceled my membership well before the renewal period in XX/XX/XXXX. I went into Regions Bank on XX/XX/XXXX to dispute this transaction and provided them with the cancelation number as I had not received a refund back from XXXX. On XX/XX/XXXX I received a letter form Regions stating that my claim was denied. the letter sated that my claim shows I cancelled after the transaction date! WHAT! I told Rgions this was straight up fraud by XXXX. I never authorized XXXX to charge my card and I revoked my authorization for them to renew my membership. I have tried to resolve this with XXXX and Regions and have not been able to. This charge is straight up fraud by XXXX.
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: 2017-01-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No