Date Received: 2023-06-20
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: Ive attempted to rectify a digital transaction and Regions has, lied, delayed, and misinformed me about information i need to submit to support a claim
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 462XX
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened an XXXX XXXX Account ( XXXX ) with {$500.00} to be used a deposit for a secured Regions XXXX XXXX credit card. I later filed XXXX XXXX ( Case XXXX ) and Regions WAS NOT listed because I didnt owe anything on the card and only creditors that money was owed to was listed on my petition filed by an attorney. Regions learned of my bankruptcy filing through their own channels and closed my credit card at the end of XXXX. Thats understandable. The problem is they wont release the money. A few transactions posted on the account ( I dont have access to the account but Id say less than {$100.00}, so they owe me the remaining {$400.00} ). Its been 3 months. After this happened, I was told by Regions Bankruptcy Department that theyd hold The remaining amount and possibly send it to the Bankruptcy Trustee. They havent. I responded negatively to a survey sent by Regions explaining my disagreement with this. A lady named XXXX called me from Regions Escalations and told me she did some research and agreed that nothing was owed and to close the account out I needed to go to a branch and close it. I went to the Regions in XXXX XXXX, Texas and asked XXXX to do such. She called Regions Card Services and was first told that the account is still open. Then they agreed it was closed. This is consistent with Regions each person has a different answer that contradicts the previous persons. XXXX submitted a request and the funds werent released. I called XXXX who was advised to send her request to another department. They responded to her that due to my bankruptcy filing ( which doesnt involve Regions, and I dont owe Regions on any other account ) that theyll hold this money until my XXXX XXXX is XXXX or dismissed, 5 years from now. There are no cross collateralization clauses that would apply. I do not owe Regions or any of their subsidiaries anything on any other accounts. Regions isnt listed as a creditor. My bankruptcy payments are current via automatic payment. This isnt right or fair and we need to come to a resolution of either releasing MY money to ME or send it to the trustee as a payment on my bankruptcy. Holding it for 5 years without a valid reason is not a solution.
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: 2023-06-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I am filing this complaint regarding my dispute of an erroneous and unauthorized charge to my Regions personal checking account in the amount of {$250.00} by XXXX XXXX XXXX, a company of which I am not a Customer and have cancelled services with, which went through without my authorization or approval and deducted {$250.00} from my Regions checking account on XXXX XXXX XXXX Despite multiple claims filed with regions bank disputing this charge as erroneous, as well as providing ample written documentation and also verbal explanation to Regions, the bank has failed to honor my dispute of the charge, has denied my claims, and has refused to refund my account the above amount. ( To preface : I was a customer of XXXX XXXX XXXX, but originally cancelled services with them on XXXX XXXX XXXX. After months of back-and-forth with this company and multiple failed promises by the company to reimburse me for charges that I paid for out of pocket which should have been covered under my home warranty, I again called and canceled services with them after still never been sent a promised reimbursement. In fact, on my last call with this company, they told me that I would have to have a credit card on file before even receiving a reimbursement, which I told them on the phone made no sense because I initially only wanted to cancel because I was having to pay for repair expenses out of my own pocket which shouldve been covered by the warranty that I was paying every month for in the amount of {$55.00}. After giving up on expecting any kind of a reimbursement by the home warranty, I decided to consider it a wash and I let it go. That was until, I begin receiving emails from this company, stating that my account was past due, despite me canceling the account with them on the phone, as it was the only way to do so. ) ***The only reason I provide this information as a preface is due to the fact that on my first phone call to regions bank, the banker I spoke with argued that because I had been a customer of XXXX XXXX XXXX this somehow warranted the business XXXX to continue to charge my Visa check card every month! This is obviously absolutely untrue, because even though the company still had my card number on file does not mean that they had my authorization to charge it after I had cancelled services with them! *** On XX/XX/XXXX the first unauthorized charge in an amount of {$53.00} by XXXX XXXX XXXX hit my regions account, which I went online to dispute, and which Regions approved and credited back to my bank account. On XXXX XXXX XXXX I received a text saying a charge in the amount of {$250.00} was attempted by XXXX XXXX XXXX but was blocked ( this was due to my being wary of XXXX, and was based on my recent interactions with the company : theyre failure to cover warrantied repairs, the excessive checks I had written to for multiple vendor service visits for simple repair claims, and all of this after the repairs were either never made, or I had to pay for them myself out of pocketfor these reasons and more I was forced to resort to using the Regions lock it online checkcard controls to block all incoming charges, lest I deal with the incredible inconvenience of having to cancel my check card, and request a new XXXX - and then have to deal with changing all my other recurring subscriptions and automatic bill pays with other accounts ; something I didnt have time to do and didnt think was necessary ). so, After getting the above text, i tried to be proactive and contacted Regions bank ( using the mobile chat function on the app ) asking them to ensure all charges attempted by this vendor be blocked, as they were not authorized ; I explained was no longer a customer, of XXXX, but as single mom had not had time to close my check card due to ONE vendor fraudulently charging me ( and honestly, didnt think I should have to because I believed my bank would protect me ). Regions online response was recurring transactions are not blocked by XXXX which was not what I was asking for ; what I was asking for was Personal attention to the matter of attempted unauthorized charges that I was afraid would persist. The response I received was very unhelpful and completely void of understanding and not even an attempt at comprehension of the problem I explained it was NOT a recurring transaction - Clearly this company was attempting to charge me a much larger amount ( {$250.00} ) for a service they no longer provided me, yet the bankers at regions didnt seem to care or were unwilling to provide a solution. The response was simply after careful investigation ( whatever that means - I still to this day do not know what entailed ) we have decided not to credit your account. ( But - then later regions credited my account the recurring monthly charge of {$53.00}???? which they earlier said they would not/ could not block? ) Then, on XXXX XXXX XXXX I received a text saying that a charge in the amount of {$250.00} by XXXX XXXX XXXX was approved. I again immediately went online to dispute the unauthorized charge, which, in my opinion should never have been allowed to go through since I have notified the bank that this company was attempting to charge my card without my authorization. 7 - 10 days later I received a letter from Regions Bank stating that they were allowing the charge to go through and would not refund it and were denying my claim. On XX/XX/XXXX I contacted regions bank ( again, using the chat function on the Regions mobile banking app ) and spoke with a banker via chat for sometime asking why the charge was denied, especially in light of the fact that the earlier unauthorized charge from XX/XX/XXXX had been approved by regions. I was told that the department would 1 ) not except calls regarding denials of claims, and 2 ) that I should call the claims department and have them add this second charge to the original claim/dispute that I filed for the {$53.00} charge which was approved. Very confusing, to be told that they would not take calls for denials of claims, yet at the same time to be told to call during business hours because the banker /department I was chatting with could not address my issue. So I was told to call to have them add the two claims to each other, yet also told a call would provide me no further information? This, honestly, did not make any sense to me, as it does not make any sense why the initial charge that I filed a claim for was approved, yet the second charge, which I provided documentation for when asked, I was denied multiple times. I have called Regions and provided verbal explanations as to why these charges were not authorized by me due to the fact that I am no longer a customer of this company, as well as provided ample written documentation to regions ( both emailed and mailed ) letting them know that this company XXXX I no longer do business with, and that they had no authorization to charge my card. In addition to the above, prior to these charges, going through on my account, I actually proactively contacted a regions bank, letting them know of the issue. I was dealing with with this company, in an attempt to hopefully get their assistance with blocking any future charges on my account. My proactive attempts, failed, And my claim was denied, despite re-opening it, and calling several times, and speaking with multiple bankers, the last call of which I told him that I would not be depositing any more money into the account until the charge was refunded to my account, and that all associated overdraft fees also be refunded to my account. I am disgusted and appalled at the level of customer service that I have been provided by this bank. Ive been a customer for over 10 years, and as an independent contractor who does not receive direct deposit as payment, I have paid them a checking account fee of {$8.00} every month for the last 10 years, and this is the first time that I have ever had an issue with fraudulent charges and the first time I have ever had to file a claim, or dispute a charge. To be treated this way by my BANK is appalling to me ( Especially after having spent hours on hold on the phone just to cancel services with XXXX - then being told Id be reimbursed for out of pocket expenses, and ultimately never receiving the promised reimbursement of near {$1000.00} by XXXX, but I digress ) to have my bank allow XXXX to charge my account {$250.00}, and then deny my multiple claims that was an unauthorized charge ( especially after approving my other identical claim charged by the same company, and for the same reasons! ) is completely unacceptable to me as a customer of over ten years, and a paying banking consumer. Last, but not least, the bankers that Ive spoken with on the phone at regions have been rude, and incredibly unhelpful. On my last phone call to regions, when I again attempted to gain more insight as to the denied claim, but got no information except that it was denied, I let the banker know of my dissatisfaction as a customer, and stated that I would be filing an online complaint to the CFPB, as well as that I would no longer be depositing money into the account until the original disputed charge was reversed and credited to my account ( as well as any related overdraft fees which were incurred afterwards ) and again, the response by the female banker was incredibly unhelpful, unsupportive, and unappreciative of my business.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75165
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: THEY XXXX XXXX XXXX REPEATEDLY CALLED ME BACK TO BACK SEVERAL TIMES DAY AND THEY SEND OUT EMAILS AS WELL. NO MESSAGES ARE LEFT
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36701
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: XX/XX/2022 XXXX XXXX, a solar company came to sell me solar. I accept it. They finance me through a finance company ( Enerbank ), the solar company never made contact with me again.In XXXX a second solar company came by to sell me solar I explained I was waiting for the first company but they hadnt showed up. They said they probably wont so I bought solar from them and got financed through a different finance company ( XXXX ). After trying to get a loan I saw on my credit report the first finance company charging me XXXX. I make contact with them and they told me they paid off the solar company so I owe them the money I was wondering if I can get help with this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93215
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Vile Regions Bank Home Equity Variable Interest Rate Loan PREDATORY UPON A SENIOR CITIZEN WITH A FIXED INCOME [ 1 ] Regions bank provided me with a fixed interest rate mortgage loan initially. ( XXXX or XXXX ) [ 2 ] Regions bank then destroyed the fixed interest rate mortgage loan on the pretense that a variable interest rate would be lower and would provide me with more money. ( XXXX ) [ 3 ] XXXX, the home equity lender, ( XXXX, Florida, Regions ) said my monthly payments would be lower. I relied on her word and trusted her. [ 4 ] XXXX did not give me a copy of the paperwork for the new improved loan. She said she would keep it in her desk for safekeeping. Two weeks later, XXXX was no longer employed at that Regions bank. [ 5 ] XXXX also found a friend of hers in the City of XXXX, as I recall, to put insurance on my house. XXXX said that the insurance payments to her friends company would be on auto pay. [ 6 ] I was later to learn that the payments were not on autopay. When I called Regions bank to ask the name of the insurer ( e.g., the friend of XXXX ), no one seemed to know. They said they no longer had that original paperwork ( which I never got a copy of ). [ 7 ] During COVID, this better loan that XXXX talked me into grew, grew, and grew in monthly payments. It is now unaffordable, and I never knew this would happen to me. I was nave and XXXX took advantage of my lack of knowledge. [ 8 ] Today ( XX/XX/XXXX ), I found out something even more horrific about this horrible, variable interest rate loan that is killing me. I found out that the exorbitant costly insurance forced upon me has a {$9300.00} wind deductible for roof damage. I can not tell you how stunned I am. [ 9 ] About a year ago, I called XXXX at Regions Bank ( downtown XXXX, Missouri ). His solution was for me to cancel the variable interest rate loan and start all over with ANOTHER loan, more money, with another 15 years on my head. This is NOT a solution. It is simply a way to saddle me with endless debt. [ 10 ] Another Regions Bank employee ( XXXX, Florida ), when made aware of this horrific loan on my head said, Well, who could have predicted that interest rates would go up so much? This rhetorical question is not an apology and it does not solve the financial damage being done to me. [ 11 ] No employee at Regions Bank should have ever talked a XXXX-year-old woman into a VARIABLE interest rate loan. That was unfair and predatory. So, thats when I decided to look up the definition of predatory lending, here : The loan Regions gave me matches the definition : XXXX XXXX XXXX And here is more proof that I have been saddled with a predatory loan from Regions Bank , with predatory loan practices. Predatory Lending : How to Avoid, Examples and Protections By XXXX XXXX Updated XX/XX/XXXX Reviewed by XXXX XXXX What Is Predatory Lending? Predatory lending typically means imposing unfair, deceptive, or abusive loan terms on borrowers. In many cases, these loans carry high fees and interest rates, strip the borrower of equity, or place a creditworthy borrower in a lower credit-rated ( and more expensive ) loan, all to the lender 's benefit. Predatory lenders often use aggressive sales tactics and exploit borrowers lack of understanding of financial transactions. Through deceptive or fraudulent actions and a lack of transparency, they entice, induce, and assist a borrower in taking out a loan they will not reasonably be able to pay back. KEY TAKEAWAYS Predatory lending is any lending practice that imposes unfair and abusive loan terms on borrowers. Some aspects of predatory lending include high-interest rates, high fees, and terms that strip the borrower of equity. The economic impact of COVID-19 gave way for cash-strapped consumers to become vulnerable to predatory loans.1 Predatory lending disproportionately affects women, XXXX, and XXXX communities. Predatory lending often occurs in conjunction with home mortgages. How Predatory Lending Works Predatory lending includes any unscrupulous practices carried out by lenders to entice, induce, mislead, and assist borrowers toward taking out loans they are unable to pay back reasonably or must pay back at a cost that is extremely above the market rate. Predatory lenders take advantage of borrowers ' circumstances or lack of knowledge. Predatory lending puts many borrowers at risk, but it especially targets those with few credit options or who are vulnerable in other wayspeople whose inadequate income leads to regular and urgent needs for cash to make ends meet, those with low credit scores, those with less access to education, or those subject to discriminatory lending practices because of their race, ethnicity, age, or disability. Predatory Lending Tactics to Watch Out for Predatory lending is designed, above all, to benefit the lender. It ignores or hinders the borrowers ability to repay a debt. Lending tactics are often deceptive and attempt to take advantage of a borrowers lack of understanding of financial terms and the rules surrounding loans. These tactics can include those identified by the Federal Deposit Insurance Corporation ( FDIC ), along with several others : Excessive and abusive fees : These are often disguised or downplayed because they are not included in a loan 's interest rate. According to the FDIC, fees totaling more than 5 % of the loan amount are not uncommon. Excessive prepayment penalties are another example.2 Loan flipping : The lender pressures a borrower to refinance, again and again, generating fees and points for the lender each time. As a result, a borrower can end up trapped by an escalating debt burden.2 Asset-based lending and equity stripping : The lender grants a loan based on your asset, say a home or a car, rather than on your ability to repay the loan. You risk losing your home or car when you fall behind on payments.2 Equity-rich, cash-poor older adults on fixed incomes may be targeted with loans ( say, for a house repair ) that they will have difficulty repaying and that will jeopardize their equity in their home. Predatory Lenders typically target vulnerable populations, such as those struggling to meet monthly expenses ; people who have recently lost their jobs ; and those who are denied access to a wider range of credit options for illegal reasons, such as discrimination based on a lack of education or older age. What Is an Example of Predatory Lending? Whenever a lender seeks to take advantage of a borrower and tie them into unfair or unmanageable loan terms, it can be considered predatory lending. Telling signs of a predatory lender include aggressive solicitations, excessive borrowing costs, high prepayment penalties, big balloon payments, and being encouraged to consistently flip loans. Is Predatory Lending a Crime? In theory, yes. If you are enticed and misled into taking out a loan that carries higher fees than your risk profile warrants or that you are unlikely to be able to pay back, you have potentially been the victim of a crime. There are laws in place to protect consumers against predatory lending, though plenty of lenders continue to get away with it, partly because consumers dont know their rights. Can I Sue for Predatory Lending? If you can prove that your lender violated local or federal laws, including the Truth in Lending Act ( TILA ), you may want to consider filing a lawsuit. Its never easy going against a wealthy financial institution. However, if you have proof that this lender broke rules, you have a reasonable chance of being compensated. As a first step, contact your state consumer protection agency. The Bottom Line Predatory lending is any lending practice that imposes unfair and abusive loan terms on borrowers, including high-interest rates, high fees, and terms that strip the borrower of equity. Predatory lenders often use aggressive sales tactics and deception to get borrowers to take out loans they can't afford. And in many cases, predatory lenders have targeted vulnerable populations. Predatory lenders aren't all loan sharks. A great deal of predatory lending is carried out by more established institutions such as banks, finance companies, mortgage brokers, attorneys, or real estate contractors. The subprime mortgage boom in the years leading up to XXXX was, arguably, an example of predatory lending.26 This above article was quite the eye opener for me, and it let me know that I am the victim of a predatory loan from Regions Bank . XXXX at Regions bank -- Most everything she promised me turned out to not be true, including that the insurance person she found for me would be paid automatically every three months. Regions has instead placed the highest insurance on me in addition to the fluctuating ever rising 10-years-more payments. The insurance they selected is a train wreck for me with a {$9300.00} deductible. Here is another relevant article. XXXX XXXX XXXX What is the Regions Bank controversy ? Customer fraud In XXXX, Regions paid {$200.00} XXXX to settle with the U.S. Securities and Exchange Commission over mispricing risky mortgage-backed bonds in its conservative mutual funds in its Morgan Keegan subsidiary . https : XXXX Why is fixed better than variable? The main advantage of a fixed rate home loan is certainty. You can lock in or 'fix ' your interest rate for a certain period of time typically between one and five years and plan for the future, knowing that your repayments will stay the same during that time. SOLUTIONS : *I WANT A LOWER DEDUCTIBLE ON THE HORRIBLE INSURANCE POLICY CREATED BY REGIONS TO BENEFIT ONLY REGIONS BANK WHO HAS TAKEN EXTREME ADVANTAGE OF ME, A SENIOR CITIZEN, AS APPLIED TO THE CURRENT CLAIM. *I WANT REGIONS TO PAY THE DEDUCTIBLE ON THE CURRENT ROOF DAMAGE CLAIM. *I WANT THE LOAN TO GO BACK TO WHAT IT WAS, FIXED, WITHOUT GIVING ME MORE MONEY AND WITHOUT MAKING ME RESPONSIBLE FOR ANOTHER 15 YEARS OF DEBT UNTIL I AM XXXX YEARS OLD. That is a predatory solution suggested by Regions Bank. BEST SOLUTION : I WANT THE LOAN COMPLETELY TERMINATED FOR FRAUD COMMITTED UPON ME. IN FIVE PLUS YEARS TIME, THEY ALREADY GOT SO MUCH MONEY OUT OF ME. I CANT EVEN AFFORD TO FIX MY ROOF, THANKS TO REGIONS BANK. I CANT EVEN AFFORD ANYTHING, THANKS TO REGIONS BANK. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Florida XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32607
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-19
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Regions is sending me a code to get into my account, but never shows up. appears to be the only way they are able to identify me, therefore they just keep my acount?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 50125
Submitted Via: Web
Date Sent: 2023-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-18
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I have been charge overdraft fees for years sometimes they would make a overdraft by waiting before they take the money out of my account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77407
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My name is XXXX XXXX XXXX XXXX, of XXXX my martial home as ordered for sale by XXXX XXXX in XXXX XXXX XXXX. I moved out of the home at that point and repaired for sale of the home. XXXX XXXX XXXX Severn days before the close of the home sale, someone burned my home down. Not myself as Ive was the one wanting the sale of the home. The home fire claim was denied due to no occupancy for 60-days prior and aft of vandalism. The claim was denied on or around XXXX of XXXX and at that time I stopped making payments. XX/XX/XXXX my exude was ordered by XXXX XXXX to provide me with a quck claim deed for the house to sell the reminder of the house and grounds. That quit claim deed is finally in shipping from my exwife to be picked up tomorrow by myself. XX/XX/XXXX Country Companies paid Regions Bank {$310000.00} and is behind held in secure escrow by regions bank. Regions bank finally got a hold of my XX/XX/XXXX and told me my mortgage was covered. The woman that called me that night, on a recorded call by Regions told me that Regions had put my mortgage in forcluser two days before calling me and they shouldnt have done that. Since XX/XX/XXXX, Regions has told me I owed the difference in principal and the {$310000.00} which is {$1600.00} roughly and to put load a letter stating Id be responsible for the difference. I wrote the letter and couldnt log into my account. Called regions and they said I then owed {$26000.00} in forclusure costs thru their attorney XXXX XXXX XXXX. Told me I had to pay {$22000.00} to get my loan current. I sent them {$22000.00} and they sent it back to me via wire and charge me {$20.00} to send back. They have told me I owed {$21000.00} XX/XX/XXXX. So I sold my fathers horse trailer and attempted to pay. I havent been serverved by Regions or the XXXX XXXX XXXX and been told by a forclusure atterney Im not in forclosure. Regions will not release the {$310000.00} to pay the mortgage off and I refuse to pay anything currently more than the difference of the principal balance and the $ XXXX on the escrow and Regions is constantly telling me something g different from their customer service, hazardous insurance department, insurance department and I was told I only owe the difference between and my home shouldnt be in forclusure nimours times. Regions is attempting to extort me for {$26000.00} and I need help!!! I have to close on this sale of this property to pay my exwife {$60000.00} and must sell the property to do so or Ill be held in contempt and my ex wife has finally sent me the quick claim paperwork I think that should arrive tomorrow after being ordered to send three times by judge XXXX. Updated to previous complaint. XX/XX/XXXX - I spoke with Regions Mortgage while having a Consumer Complaint Representative on the phone with Regions and I. That conversation was recorded by both parties, Eegions and the CFPB. The Regions Representative stated that day at in the CFPB recorded call I would only have to pay the difference between the principal balance of {$320.00}, XXXX and {$310.00}, XXXX and asked to be off the call. Today XX/XX/XXXX Regions Called at XXXX and offered to settle this issue for {$310.00}, XXXX plus forclosure fees and forclosure lawyer fees of {$15.00}, XXXX I have never been served with forclosure paperwork, the paperwork has never been filed and yesterday XX/XX/XXXX on the record ed conversation listed above, I agreed to pay the difference of principal and escrow. I almost XXXX XXXX over this issue in XXXX, XXXX, and XX/XX/XXXX because I didnt know the mortgage would be covered by my insurance company and my insurance company never told me the mortgage would be covered. I had to seek counseling and it wasnt until XXXX that I felt like I didnt want to die over this issue!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a credit card with my Regions bank. I paid off the balance of that card on XX/XX/23 in the amount of {$9500.00}. I then get another bill of {$120.00} on XX/XX/23! I called them and they said this is a " trailing interest ''. Paying off a full amount is a huge deal, and then seeing more bill afterwards is just not right?!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62959
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A