Date Received: 2023-07-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: On XX/XX/2023 I was contacted via email by XXXX XXXX employee from XXXX XXXX XXXX XXXX in regards to a fuel credit card with a balance of {$25000.00}. I immediately replied back and offered a settlement, she informed that settlements had to be submitted. On XX/XX/XXXX I received an emailed from them and agreed to settle for {$16000.00} over XXXX XXXX with first payment to start on XX/XX/2023 for {$2600.00} and last payment would be in XX/XX/2023 for {$2600.00}. On XX/XX/XXXX I contacted my representative to request a XXXX XXXX extension because I was going thru financial hardship. She accused me of lying to her, was threatening to default the stipulated agreement and threatened to file a lawsuit agains me. This was a settlement to be paid in XXXX XXXX I had informed her multiple times that I'm not refusing to pay and simply asking for a XXXX XXXXy extension to pay on XXXX. She still denied and threatened that if I don't make a payment by the end of business day of XX/XX/2023 she will default my agreement and file a lawsuit against me. She was very rude, disrespectful and aggressive. She threatened me with a lawsuit when I was only asking for a XXXX XXXX extension. Then I called back and spoke to XXXX XXXX, he approved the extension and agreed that I make my XXXX payment on XX/XX/XXXX. I emailed a postdate check dated for XX/XX/XXXX for {$2600.00} to XXXX ( another rep ). They processed my payment, it was never returned and was successfully withdrawn from my bank. However on XX/XX/2023 ( the day before the agreed payment was withdrawn ) I received a demand email from XXXX XXXX with a complete different balance of {$19000.00} as if I never made payment arrangements or extensions. I emailed back to her to inquire about the payment and she did not responded, on XX/XX/XXXX I replied again to see what was the email about and to confirm that my payment plan is still in place and she never responded. In the mean time I called her multiple times she never returned my calls. On XX/XX/2023 I emailed again and she did not replied. Today on XX/XX/XXXX I called them to confirm that they received my XXXX 's payment and that they still have my payment agreement in place. No one was able to confirm that, instead I was threaten of a lawsuit. I politely explained the situation and wanted to a reassure that my payment arrangement is in place but then the person I spoke to stated XXXX is the one I need to speak to see if he's willing to honor the agreement considering I already made XXXX payments and had an extension from him, yet I couldn't get hold of him. The rep that I spoke to demanded that I pay additional {$5300.00} by the end of XXXX month. I told him I can't afford to pay that, and that I already made XXXX 's payment of {$2600.00}. My remaining settlement balance should only be {$5300.00} paid in XXXX XXXX since I have already paid {$10000.00}. I can not pay no more than the agreed amount. I don't appreciate the harassment, the disrespect and threats from this company. I have been honest and willing to pay since day one. I have not disrespected them I only need a confirmation of the agreed payment arrangement to make sure that in XXXX pays account will be deemed settled in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85085
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: comdata charged my card a charge of XXXX and one of XXXX, I had to call multiple times to try and get the problem resolved. They keep insulting me by hanging up the phone, after long periods of holding and waiting. I sent them enough proof to return the money, but now they want to close my m accoun from they mistakes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70810
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I XXXX XXXX XXXX XXXX XXXX They use a prepaid debit card through Comdata XXXX The Fee schedule included with the card under the 'Get money ' heading states that a bank teller withdrawal with the mastercard network is a {$0.00} no fee transaction. My bank XXXX XXXX XXXX attempted this for the amount on my card of {$350.00} and was declined. I contacted Comdata customer service on XX/XX/2023 and spoke with a representative. They told me that XXXX chose to not allow that function. A withdrawal at an 'XXXX XXXX network ATM would be the lowest fee transaction. I asked for a supervisor to clarify this for me. The second person I spoke with also claimed that XXXX has denied that transaction option and there is no way to withdraw my money without a fee. I asked for another supervisor or their legal department to clarify this statement. Then I was put on hold for 30 minutes, at which point I chose to disconnect. 1. This means I can not get my money without a fee. 2. The fee schedule with my card ( And any other users with the same card ) is false. I then contacted XXXX XXXX XXXX XXXX XXXX as the 'existing " XXXX option did not allow me to contact a representative. The rep was nice, and told me that information is available from the card issuer. I explained what the card issuer told me, and he offered to submit a case with the corporate office for XXXX. As of this writing I have not received any more communication from XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97236
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Me and my husband opened up this account when we moved to XXXX so we could live closer to XXXX. He told me he was sick of driving so far from XXXX XXXX. They sent back our XXXX XXXX. They sent back our Stimulus and they had to mail it to us. They called my husband in dead in XX/XX/2021 to Social Security and my husband died XX/XX/2021. We spent a whole month on the phone with Social Security trying to get the money back from Social Security for him. This was when we changed our direct deposit to XXXX XXXX bank. We got unprofessional voice message asking private information from people at the bank. I couldn't get XXXX to change his direct deposit for his XXXX from XXXX but I did with his XXXX pay from Social Security.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 541XX
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: There was a fraudulent credit card account opened without my knowledge at Regions Bank in 2018. I asked Regions to investigate and delete the account but they started the investigation and stopped even after I contacted them to let them know that I didn't open the account in 2018.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 71291
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XX/XX/XXXX I had a XXXX lapse in my homeowners insurance that was due to XXXX error. The error was quickly corrected by XXXX and XXXX send verification of coverage to Regions Mortgage in XX/XX/XXXX. In XX/XX/XXXX, I started receiving letters from Regions Mortgage that my Mortgage is set to be escrowed. I called to find out why, but after several calls and many hours on the phone with them, they finally told me it was because of the XXXX weeks lapse in my coverage in XXXX. I let them know I do not want my Mortgage escrowed, and explained again to them that it was an error from XXXX, and it has been corrected months ago. The person I spoke with at Regions Mortgage told me I need to write a letter to them to ask for a " release of escrow. '' He also asked me to include the email communication between the XXXX agent, showing a proof of the error, and the escrow would be released. I did as I was told immediately, and waited, and waited. My mortgage payment was coming due, so I went on my online account with Regions Mortgage to make payments, but found out it hasn't been resolved. My payment was almost {$500.00} more than I usually pay, due to the escrow amount that was added. I called and tried to make a payment over the phone, but they refused to take my regular payment. They wanted me to pay the entire amount, with I declined. I asked for the status of the release of escrow, but I was told they are still reviewing it and someone would call me when it's done. The agent got and authorization from a supervisor, and I was able to make my regular payment for only XXXX month, ( XXXX ) they wouldn't allow me to pay the XXXX that was coming due already, and asked me to wait for the result or the request for release of escrow. I waited and waited, but didn't hear back from anyone so, XXXX came and I called Regions Mortgage to check on the status of the release of escrow, since I wasn't able to make my payments online again. After several minutes on the phone talking to a confused representative, she transferred me to a supervisor, who informed me that my request was denied because of the 3 month forbearance COVID relief in XXXX. He went on and explained to me that because I accepted the XXXX relief forbearance offer that Regions Mortgage sent to me back in XXXX, they have denied my release of escrow request. I was speechless and mortified. My questions to him were : XXXX. How come you asked me to send a letter to request the release of escrow lying to me and wasting my time XXXX. How in the world would Regions Mortgage penalized me for a pandemic relief from way back in XXXX, when it wasn't even related to the reason why this escrow was created. XXXX was XXXX ago. XXXX. I already paid my taxes and insurance for the year, how do now except me to pay you again ( in escrow ) what I already paid. All these doesn't make any sense whatsoever. The supervisor was adamant that they will not re evaluate my request and there is no appeal process. He said Regions do not care that it wasn't my fault that the lapse happened and they don't care about the evidence I submitted showing it was an error from XXXX. He went ahead to say I shouldn't have accepted the COVID relief offer they sent to me, that it was the reason they declined to release the escrow. He claims some article under recorded mortgage that gave Regions the right to do whatever they wish including creating an escrow whenever they wish due to the COVID relief. The supervisor also gave me an option to refinance with them, which I declined considering they are trying to get me to refinance at a higher interest rate from what I had since interest rates are high now. Could that be the reason why they denied my request? So they can force me to refinance at a higher rate? Scam!
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: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Problem when making payments
Subissue:
Consumer Complaint: I had an new hvac system installed in my home in XXXX. The contractor offered financing with XXXX. I was approved and had the work completed. I started making payments right without issue. Fast forward to XXXX of XXXX I received a letter in the mail from XXXX stating they were changing over portals but that as an auto draft client I wouldn't need to do anything. In XXXX I noticed my payment wasn't auto drafted, so I called. I spoke with a representative who advised they were having issues with debit card auto drafts. I made a payment over the phone with her that day and she said I needed to set up a new auto draft with my bank account information. I gave her all the information and was told I would be fine for XXXX. XXXX came and two payments were deducted from my checking account. One went with the debit card and other went with my bank account information. I called XXXX and was advised that they did not see how that happened but that my account was credited for two payments and that I didn't owe anything until XXXX. XXXX came and once again they took two payments. At this point I tried to call XXXX again but the phone lines were down. I sent an email, no one responded. I contacted my bank and opened a investigation and advised them to please block any payments that they try to take. My bank finished the investigation and did show this was an error on XXXX part and refunded me the double payments. I contacted XXXX to try for a resolution. Every time I am told that they do not see any auto draft info. My online profiles have been deleted per my request, all payment info has been deleted per my request. XXXX came and they once again tried to take a payment, which was blocked. Each time this happens they are charging me a XXXX Insufficient funds fee which prompts me to call and have it reversed since none of this is my fault. They have reversed fees but no one can give a resolution. I asked to speak with a manager or supervisor in XXXX but no one called me back. As of today XX/XX/XXXX they have tried to take another payment. I called this morning right at XXXX when they opened, explained the entire situation again. I was advised a manager would call me back. I do not have confidence that I will receive a call back, I do not have confidence that this issue will be handled. I have been told by numerous representatives that I do not owe a payment until XXXX, no one knows why they would even be trying to take a payment. I would really like help with this matter. I have been dealing with this since XXXX, countless hours of hold times, repeating the entire lengthy story and zero resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: We took out a closed end line of credit to do a leak problem in our basement. The total amount of the loan was {$5000.00} which we used all of it. We made an early payment of {$100.00} before we had to make any payments and EnerbankUSA applied it to interest only and not the principal. When I called the company they said that they apply payments to interest only during the draw period. There isn't a draw period since we used the money in total and didn't take out anymore that what we needed. According to EnerbankUSA all our payments will be applied to interest until the interest is paid and then it will start to apply to principal. Nothing in my not indicates this is the case. Item XXXX XXXX Installment loan states " The outstanding loan balance when the line of credit closes will become a fixed rate installment loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: XXXX. On XX/XX/ : My wife and I received a " Welcome Letter '' from Regions Bank. Included was " Loan Estimate '' of origination costs. The Origination Costs included 0.125 % of loan amount, which was {$130.00} + Loan Administration Fee of {$890.00} = a total of {$1200.00}. ( The Total Closing Costs for us were listed as {$8200.00}. ) XXXX. On XXXX XXXX XXXX : We received a " Closing Disclosure Form, '' with the words at the top of the page stating : " This form is a statement of final loan terms and closing costs. '' On this document, the Origination Costs went up to 1.75 % of loan amount, which was {$4400.00} + Loan Administration Fee of {$890.00} = {$5300.00} ( The Total Closing Costs for us were listed as {$14000.00}. ) We called XXXX XXXX, our Loan XXXX at XXXX Regions Bank, to ask about this increase, and she said these numbers would be adjusted at the closing. She also explained why some of the Total Closing Costs were our responsibility and explained that some Closing Costs were the seller 's responsibility and would be added later. However, she made no mention of the Origination Costs. And we did not know enough about the loan process to ask specifically about Origination Costs. XXXX. On XX/XX/ ( two days before the closing date ), we again received a " Closing Disclosure Form, '' with the words at the top of the page stating : " This form is a statement of final loan terms and closing costs. '' On this document, the Origination Costs went up to 2.25 % of loan amount, which was {$6000.00} + Loan Administration Fee of {$890.00} = {$6900.00} ( The Total Closing Costs to us were listed as {$15000.00}. ) We again called the loan XXXX XXXX XXXX to ask if this were not a mistake, since were led to believe an adjustment would be made. We did not receive a clear answer about the XXXX and then XXXX increases in origination costs. If this were not just a quickly correctable mistake, we asked that Regions Bank : " Please hold the {$6900.00} in a local account until I can speak to someone at Regions Bank who would be authorized to grant us post-settlement relief. '' " We ask you and the executives at Regions Bank to try to see things from our perspective. If you had sent us the XX/XX/XXXX Closing Disclosure on Monday, XX/XX/XXXX as we had requested, instead of on XX/XX/XXXX, there might have been time to have an informed negotiation about reasonable origination costs. But now it is too late for that, so our only option is to request that you and the appropriate executives at Regions Bank be open to discussing with me some appropriate form of 'post-settlement relief. ' '' XXXX XXXX then called us after receiving this email. She said that after checking she found out that the increase in Origination fees from XX/XX/XXXX to XX/XX/XXXX was because the mortgage was on a second home. This made no sense to us as our first home had been paid off for XXXX years! She had never disclosed that there would be a penalty for a mortgage on a second home. She said meekly, " I thought I had told you. '' But neither my wife nor I had any knowledge of her telling us any part of this. On XXXX XXXX XXXX the XXXX branch of Regions Bank helped us file an on-line complaint with Regions Bank XXXX A person called us that afternoon from the XXXX, XXXX XXXX XXXX Regions Bank to say she would be following up on our complaint. On XX/XX/, I called for an update from the representative of the " Escalations Research '' department and she told us : XXXX ) That the increase to 1.75 % of the total loan origination fee ( XXXX XXXX XXXX ) was because we were purchasing a second home. [ OUR RESPONSE : We were never informed of this in a timely fashion to pursue other loan options. Additionally, we have no other mortgage obligations + a good credit history + an adequate income. To us, given our financial history we were more than able to meet the obligations of a second home to be able to see our grandchildren regularly and to have a hurricane refuge in place, since our first home is in XXXX XXXX, LA. ] XXXX ) That the 2.25 % of the total loan origination fee ( XX/XX/ ) was because we " asked '' to pay less of a downpayment, resulting in our requesting a loan that was over 70 % of the value of the property. [ OUR RESPONSE : This is a complete distortion. In fact, we all along wanted to pay around $ XXXX downpayment, but Regions Bank kept putting unnecessary barriers in own way, forcing us to take out a bigger loan in order to close on the house by the deadline of XXXX XXXX Here is our experience of that manipulation which unnecessarily increased Regions profits. Between XX/XX/XXXX and XX/XX/XXXX, Regions kept requesting additional documents to further show we had the ability to pay a down payment of approximately $ XXXX. I offered to send copies of our current bank accounts which showed resources over $ XXXX. They refused this offer asking for XXXX full bank statements ( which in fact would not include money from the sale of our previous second house and from my personal XXXX ). So, because we had a good deal on the sale price of the new house in XXXX, XXXX XXXX we felt extreme pressure not to lose this house. We believe we were manipulated by Regions Bank at the last minute. This manipulation is what resulted in our lower downpayment and their higher profits. We were promised a letter or email by XX/XX/, that would have put in writing Regions ' positions on our complaint. But, as of todayXXXX XXXX XXXX XXXX we have yet to receive a letter.
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: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: Regions Bank Subject : Consumer Rights Notice - Compliance with CFR, Securities Exchange Commission, Truth in Lending Act, Loan Denial Practices, and Auto Loan Endorsement Dear Sir/Madam, I am writing this letter to bring to your attention certain consumer rights and regulations that must be adhered to by Regions Bank XXXX ensuring compliance with the Code of Federal Regulations ( CFR ), Securities Exchange Commission ( SEC ) , and the Truth in Lending Act ( TILA ). Additionally, I want to address concerns regarding loan denial practices. Furthermore, I am requesting an auto loan that requires the consumer 's endorsement and stamp for the promissory note, which will be presented to the United States Treasury for obligation purposes. Firstly, it is essential to acknowledge that the consumer involved in this matter is not a minor and is fully aware that any loan products offered by the bank are considered cash equivalents and a mere exchange. It is important to note that banks do not have the authority to lend credit, as it is the consumer 's signature that charges the instrument. Any practices that deny a consumer an extension of credit based on erroneous or illegal grounds other than employment and Insurance are in violation of consumer rights and regulations. To ensure compliance with federal regulations and address the auto loan endorsement request, I kindly request that Regions Bank promptly review and address the following points : 1. CFR Compliance : Please ensure that all banking operations conducted by Regions Bank are in full compliance with the relevant provisions of the Code of Federal Regulations ( CFR ) as applicable to your institution. 2. Securities Exchange Commission ( SEC ) Compliance : Verify that all securities transactions and related activities carried out by Regions Bank adhere to the regulations set forth by the Securities Exchange Commission ( SEC ). This includes compliance with reporting requirements, investor protection provisions, and any other applicable regulations. 3. Truth in Lending Act ( TILA ) Compliance : Regions Bank must comply with the provisions of the Truth in Lending Act ( TILA ) when engaging in lending practices. This includes providing accurate and complete disclosures of terms, rates, fees, and other relevant information to consumers. 4. Loan Denial Practices : Please review your loan denial practices to ensure that they are fair, transparent, and compliant with all applicable laws and regulations. Denial of credit should be based on legitimate factors such as creditworthiness, income verification, and other lawful criteria. 5. Auto Loan Endorsement : I request an auto loan that requires the consumer 's endorsement and stamp for the promissory note, which will be presented to the United States Treasury for obligation purposes. Please provide me with the necessary information and procedures to facilitate this endorsement. I expect that Regions Bank will take immediate action to investigate and rectify any non-compliance with the aforementioned regulations and concerns. Failure to address these matters appropriately may result in the initiation of further legal action to protect the consumer 's rights. Please acknowledge receipt of this letter within ten ( 10 ) business days from the date of this correspondence. Additionally, please provide a timeline for addressing the concerns outlined herein and the necessary steps for the auto loan endorsement. Thank you for your prompt attention to this matter. I trust that Regions Bank will take the necessary steps to ensure compliance with consumer rights and regulations and facilitate the auto loan endorsement process. Moreover, I would like to draw your attention to the fact that willfully noncomplying with my request would be considered as Regions acceptance of the terms and conditions outlined in the " XXXX : Sovereign Terms and Conditions '' which is already on file with executive office as well as the " XXXX XXXX BATTLE FEE SCHEDULE. '' I advise that you forward this letter to your legal department so they may fully comprehend the seriousness of this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75208
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A