Date Received: 2023-09-20
Issue: Problem when making payments
Subissue:
Consumer Complaint: We took out a loan for a new heat pump and air conditioner in XX/XX/XXXX with the first payment due in XXXX. I paid them a triple payment ( {$150.00} ) on XX/XX/XXXX in an attempt to offset their XXXX 13 % interest rate. The company did not apply this payment as I expected. Normal companies would have posted it as the XX/XX/XXXX due date payment and the balance to principal. EnerBank posted it as 100 % interest and advanced my due date to XX/XX/XXXX. When I asked them to reverse that, reset the next due date to XX/XX/XXXX and the difference between their $ 50 monthly payment and my {$150.00} payment to principal only, I received two emails ( see below ) : " Thank you for contacting EnerBank USA. We have received your email communication. We believe it would be more beneficial to have a verbal conversation to answer your question ( s ) at a time that is convenient for you to discuss this matter. Please contact our Customer Service Department at XXXX. We are available XXXX XXXX am to XXXX XXXX. Thank you, EnerBank USA Customer Service Department '' My response to their email was : " Hi, please respond in writing to my inquiry. And follow the instructions you were given for posting my payment. '' Their response was an exact, carbon copy of the original email.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 197XX
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On Tuesday, XX/XX/XXXX, at XXXX, I received a call that my card had been compromised. The young man on the phone verified with me that he was with Regions by sending me a 6 digit code to my text messages. While on the call he stated he would close my card. He then said there is suspicious activity in my banking mobile app and that he would close that as well for further investigation. While on the phone I began to get thousands of spam email and I checked my account on my mobile banking app and all of my money was still there. When our call dropped, I called XXXX who let me know I was being " spam bombed '' to distract me from what hackers could be doing. Regions called back and He told me I could go to my nearest Regions to pick up my new card. I could not go to the bank on Wednesday so I went on Thursday, that is where I discovered hackers changed my username, password, and phone number to where I could not be alerted as to what they were doing and I could not see it because of all of the spam mail coming through. While on the phone with Regions, hackers moved {$4000.00} out of my savings, into my checkings and spent it all. At the very moment, the Regions desk agent, XXXX, assisted me with filing a claim and disputing the charges as none of the charges were me and they all were repetitive, signifying that they were indeed fraudulent. At that very moment XXXX assisted me with opening a new Checkings and Savings account but left the old one open until my dispute went through so all of my funds could go back but no funds could be taken out. She also discovered the agent over the phone on Tuesday only SUSPENDED my card and did not CLOSE my card. While on the phone with him, every transaction occurred. Had Regions closed my card and mobile banking app like they said, the hackers would not have gotten to my money. On Monday I received a call from Regions because I had put in a survey, they lady on the phone told me they denied my claims to my dispute for my {$4000.00}, I immediately went up to the branch in XXXX XXXX to talk to XXXX who assisted with me calling Fraud Claims Center. Because my case had been closed on Friday, XX/XX/XXXX, I had to reopen my claim. The lady on the phone told me my card had not been closed until Thursday XX/XX/XXXX which is when XXXX closed it. So why wasn't my card closed when the guy on Tuesday called about fraudulent charges?? The lady on the phone reopened my case and wrote down the information I had given her and let me know it would be 5-10 business days before I hear back with a decision. I asked if I could speak to the people who review the cases and she stated they do not speak to the public. I asked for a name and she said she couldn't give me one. All of my savings is gone and in less than 24 hours Regions didn't even thoroughly review THEIR MISTAKE which could have helped to avoid my money being stolen in the first place. I have attached screengrabs of the time frame so you all can see I was literally on the phone with Regions WHILE my money was being stolen since my card was not closed and my account was still open.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75052
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Trouble during payment process
Subissue: Private mortgage insurance (PMI)
Consumer Complaint: XXXXXXXX XXXX XXXX XXXX of XXXX I reached out to my mortgage lender via phone to inquire on the process to remove the PMI from my loan. After speaking with the customer service agent I decided to move forward. The representative read me some brief disclosures and processed a payment of {$190.00} to complete the submission of the PMI removal request. XX/XX/XXXX XXXX the authorized person from the realty company came to my home to do the walk-thru inspection along with taking pictures for the review. XXXX XXXX the realtor reached out to me and asked about improvements and I sent her a list and approximate dates the same day. A few days later I get a packet in the mail from Regions mortgage saying they denied my request to remove the PMI due to me being at 77 % LTV. I immediately called the mortgage company to understand if my current LTV is under 80 % what was the problem? She began to take me through details from the inception of the loan and not the current consideration of what was being asked. Finally she stated none of the improvements were included in the request when the realtor submitted. It was suggested to open up an appeal and submit the information there on the site. The same or next day I submitted the documentation of improvements w/approximate dates and value based on a sheet the mortgage company provided on their website. A few days later I get a voicemail saying I need to submit a statement about the appeal, so I then provided that. A month later I get another denial ( paraphrasing ) saying the information was already included in the initial request. Please also consider when I submitted my request to remove the PMI none of the disclosures read to me stated the minimum LTV had to be at 75 % or less if your mortgage loan is XXXX XXXX XXXX. Had this information been stated or read to me I would not have given Regions Mortgage {$190.00} as it would not have been a reasonable or viable option for me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 231XX
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I opened Regions personal checking XXXX account as part of the promotion. Setup initial deposit also. But I am not able to access the account online. I had an old profile but even using that I can not access it. For this I called Regions bank customer service on XXXX XX/XX/2023. I was told by the lady that may be try after 24 hours. Well it's not working even after 24 hours also. As part of this promotion- one has to be have online access. When trying to enroll for online access, I am getting this kind of error : We apologize for the inconvenience, however we are unable to process your request at this time ( XXXX ). Please contact Regions XXXX XXXX at XXXX ( XXXX ) for further assistance.
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: 2023-09-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was trying to withdrawal money from my checking account which would have left me with XXXX XXXX dollars in my account. And the bank would not give me all the money I was asking for this was Friday of XX/XX/XXXX and they told me if I came back Monday XX/XX/XXXX they may or may not give me my money then. I was asking for {$8000.00} and they gave me {$4000.00} but as it is XXXX this is not a great amount of money to have on hand for their a costumer. The world now of days is working in billions of dollars and this is such a small amount of money. I don't know how it works are what is expected of a bank but I would think this small amount should be available. Can a bank not at least guarantee to provide money the next business day for {$4000.00}?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30033
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Money was not available when promised
Subissue:
Consumer Complaint: On or about XX/XX/2023 I initiated a money transfer in the amount of {$240.00} from my XXXX account to my Regions Bank checking account, upon checking my bank account the funds never appeared! I contacted Regions bank immediately and I learned that this particular account had been closed due to inactivity as I was unaware and Regions Bank never notified me electronically that account had been closed, of course if I had been made aware I certainly would not have sent funds to this particular account! So when speaking to bank representative she said funds would be rejected and sent back to XXXX I waited for about 72 hours before contacting XXXX as it was XXXX of XXXX that Tuesday and process would take longer due to holiday! When I finally was able to speak with XXXX money had not arrived back to them and I explained the situation to them that bank account had been closed without my knowledge and they said they would open up a case and do a trace to see and try and locate money. A few days passed and XXXX got back with me and according to their investigation Regions Bank had received funds, I contacted Regions once again made them aware of what XXXX had said so the bank representative did a deep dive more or less to no avail on the whereabouts of the money! I then did a 3 way call with both regions and XXXX so that representatives could speak on phone as I was present and try and figure out the situation both pretty much blamed one another as XXXX had not received funds back and XXXX told regions representative that after their investigation the money had been accepted! In subsequent days and weeks I did two more 3 way calls with Regions and XXXX and still had zero answers as to where money was! I have physically visited a Regions Bank branch to get a resolution to the problem and got pretty much the same answers as on the phone! XXXX also told me they had exhausted all options as they did a total of XXXX additional traces of the funds and continued to say Regions bank had accepted the money! It is now XX/XX/XXXX at the time of this writing and still have no answers nor my money that is rightfully owed to me by one of these corporations!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32578
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Region bank in XXXX XXXX mo XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX or whoever his name a bald head brother and a sister and a XXXX lady was there the last two days the XXXX refused to reopen my political committee XXXX account today I been turned these papers in and both XXXX have lied to him and he have acted like stuff was literally funny today and it was I'm opposing slave government and mob government in a special charter I'm not given XXXX XXXX XXXX, XXXX university, XXXX XXXX are XXXX XXXX are XXXX university XXXX XXXX nor XXXX XXXX period nor XXXX XXXX or XXXX XXXX. I'm against these people about reparations now all of a sudden Missouri is a free city state. The guy and the XXXX have been lying today on phone they have been trying to capitalize off me in the state I'm against XXXX XXXX her and XXXX stole a vehicle that was in XXXX XXXX name that I got through XXXX XXXX XXXX auto on page police report filed In XXXX Missouri and I have not disrespected you in last complaint I downloaded no cuss word it. Although this banker had me hot a case is being filed on XXXX XXXX and XXXX. Just like someone keeps burning my name up on cases in different government crimes I didn't do and they keep betraying over corporate crime bank crimes and marketing company crime all under slavery. This bank know well he is a liar period I'm against XXXX XXXX XXXX I'm not protesting for no union about nothing they need be sued.
Company Response:
State: MO
Zip: 63136
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: I cant get anywhere Im being cyber terrorized and I cant get anywhere. I need help getting this identity theft under control. My entire life has been defrauded. Mail, phone, credit and other financial services are all gone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: My bank account at Regions was linked to XXXX XXXX and someone hacked my XXXX XXXX took out over XXXX in transactions and sent it to them selves. I hardly used XXXX XXXX or got on so didnt notice my bank didnt catch it, I sent them pictures showing who the money was and to and amounts if you track the names youll see its a scam. Regions told me they cant do anything and Im left with nothing. Regions denied my claim twice and will not help me in any way Ive banked with them for over 15 years Ive always kept XXXX or more in my account there and now that someone drained it they will not help me get it back or just help me. Ive never filed fraud before Ive never caused an issue with them or any bank and now my kids are hungry because. My account was drained. XXXX XXXX told me its on regions regions told me its on XXXX XXXX please help me.. please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 71112
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I filed a fraud/scam complaint with Regions Bank for {$500.00}. This claim was denied because of lack of documentation. I resubmitted with documentation. The bank denied it again and told me to resubmit the claim again hoping to get a different person to review and approve it. That sounds absolutely bonkers to me. The bank sees me a small nuisance. Im not a large depositor so theyre mistreating me. I have never submitted a claim to them before. They need to help, not kick the cam down the road. Claim # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30066
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A