Date Received: 2023-05-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Im responding saying that I wont be able to pay it right way Ive been trying to find a job for months i got kicked out moved to XXXX and couldnt find a job there so I moved back to XXXX with my girlfriend and ur grandma to find a job but still nobodys wanting to hire me I need time to get the money Im sorry for any inconvenience
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: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The account was my ex-husband and I did not know he used my name to co-Sign on the loan. Now he filled bankruptcy and Im left with the payment
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34758
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for mortgage XX/XX/XXXX and was pre approved, I begin the process submitting all requested documents I was led to believe everything was good and I would be closing soon. I was told near closing the first time my loan officer quit and I would have resubmit all documents and I did. I started with a new loan officer who stated I needed XXXX down payment on a XXXX in which I agreed to though I knew it didnt sound right for an fha loan. I paid for inspection and appraisal and was told I was approved under conditions. I met the conditions and then I was told I needed XXXX to close. My parents wired the money and it was there in my account the next day. I was then told I had high dti and I should find lower insurance which I did.I also was advised to pay off any debt I could do I payed off my credit card and sent in all supported documents. I waited for a couple of days with no communication. I received a call from my realtor to terminate contract because I was denied due to high dti. I was confused because no one had told me anything. This was a three month process which I am hurt because I fought for that house and no one had the decency to handle my application properly. I lost the home I loved. There are so many things that were not handled properly and should be addressed to keep regions from doing this to anyone else. I feel completely discriminated against.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31705
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Problem when making payments
Subissue:
Consumer Complaint: Hello Sir/Madam last year XXXX of XXXX, I have gotten a home improvement loan from EnerbankUSA to do a roof replacement for my house in the the amount of {$15000.00}. The loan term says same as cash which i never knew how it works since they never provided any information. However it says the payment is not due until XXXX this year, XXXX. Fine so I have set up an automated bill pay in ADVANCE for the monthly {$300.00} on XX/XX/XXXX. At the same time I have tried to contact enerbank to find out exactly what's my exact balance is due. Therefore, I couldn't get a hold of anyone. The website didn't work for me neither the phone call to obtain the balance i needed to pay. Most of the times its 30 to 45 minutes call wait time and the call gets dropped after certain time. Anyway I was making random payments such as {$7000.00}, {$3000.00}, {$2000.00} within one month. Then on XX/XX/XXXX, after so many attempt, I finally got a hold of a live EnerBank customer service adviser. When I asked about the remaining balance he said I still have some small balance left but also there is interest occurred. I asked the associate to take the remaining balance over the phone immediately, which he did and there shouldn't be any balance left on the account. Then I tried to explain to him that's why i called many times to find out the balance but its almost impossible to talk to someone. If there is any interest which unintentionally happened due to the fact not to get a hold of anyone. Then the associate told me that supervisor is in a meeting but he will call me back to resolve the matter. Nearly one month later on XX/XX/XXXX i got to talk to a different adviser in EnerBank, and explained the situation again that i was expecting a call back from your superior but then i never received any call. the she said the same thing supervisor is in a meeting and she will expedite the matter and supervisor should call me the very same day. Unfortunately no one called at that day. Then i tried to learn about the bank and found some interesting facts. That's how they do bad practices in the name of bank. Intentionally they don't flow ON CALLS or correct information provide to the consumer and therefore most of their consumer can go through with XXXX and illegal fees/ interest which is not consumers own fault.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34741
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This complaint is for Regions Mortgage. I am currently a co-signer on a mortgage for property located at XXXX XXXX XXXX XXXX, XXXX, Fl XXXX. My niece XXXX XXXX makes the payments. As stated above, I am the co-signer ( XXXX XXXX ) for this mortgage loan. When my niece does not pay the mortgage on time and is over 30 days past due, Regions sends a derogatory remark to my credit report, as co-signer. I have called Regions Mortgage numerous times and asked that they call me and notify me when the mortgage payment is over 10 days past due so i can follow up with my niece or make the payment. They tell me that under the law they do not need to notify me however the reason why I'm filing this complaint is that they should be notifying me when a payment is late as I am the co-signer and responsible for the payment if my niece does not pay. They are hitting my credit report and I would not think this is legal under the fair credit reporting act. I appreciate your assistance on this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34997
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have taken action to get inquiries remove that I am not aware of.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35022
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: In XXXX I volunteered for my HOA. I was taken to the bank the HOA uses, Regions Bank, with the President of the HOA to get me added. One of my HOA duties was check deposits. I prefer online banking, this was the only way for me to get the app to do so. It was only me and the President. We were adding me and deleting the previous HOA volunteer. When our transaction was completed, I was handed a print out of what we did that day. The print out included our names and FULL social security numbers. Meaning I went home to my personal house with a piece of paper that had multiple other peoples full, unredacted social security numbers. Even including someone who was not there in the branch with the two of us. That was unsettling. I have stepped down in my volunteer position. I am aware that soon new volunteers will be elected and be added to the Regions HOA account, and possibly given MY full, unredacted social security number. I went into the branch today to be taken off the account. I was informed that the president and only the president needs to write a letter and go in to take me off. However, more disturbing is when I spoke up about my concerns about how Regions does not protect my sensitive information and y social already has been printed on items, and now possibly will be given to others in my neighborhood- I was told my the assistant manager, XXXX XXXX that thats what you signed up for when you signed to be added. She repeated that sentiment multiple times. I let her know I absolutely did not sign up for my social security mover to be shared with strangers. And I take my social and other private information very seriously. She went on to say their policy is in accordance with the law, and again that I signed up for it if I would read the small print. She then handed me a pamphlet to read. I asked her where Im the pamphlet does it say I signed up to have my sensitive information shared with my neighborhood, and she said I dont have the pamphlet memorized. Insinuating that the information is in there. I stuck around to begin reading the pamphlet and call the hoa president who was not available to go to the branch at that time. Another worker who was originally helping me prior to getting her assistance manager involved, said what I was looking for is not in the pamphlet. She seemed concerned about the lax policy as I originally showed her the documents I was given with others full SSN. She was nice, but said she was new so couldnt help, but did verify with the manager, XXXX, that they have updated their policy recently and no longer print full social. I dont know this for certain, and it was only last year in XXXX that they did. So Id still like to be taken off the account and verify in certain that my social has never, and will never be shared with anyone under any circumstances. Apparently up until XXXX any person on an account with someone else, business, HOA or other, could have the full sensitive information of all of the people both on or previously on an account. As I was given the full social of the previous HOA member. This needs to be transparently disclosed and Im concerned for the unknowing people who have banked with Regions previously who may have had their sensitive information provided out on a nice neat one pager and handed out by the bank itself. I monitor my credit, and if I see anything suspicious, Im going to see if Regions had any part to play in that. As of today, I am still on the account and other members can go in and access my sensitive information. Nothing was resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37918
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-30
Issue: Other transaction problem
Subissue:
Consumer Complaint: Event : {$17000.00} unauthorized wire transfer from XXXX XXXXXXXX XXXX Region Bank checking account, due to fraudulent activity. Despite XXXX XXXXXXXX taking all steps to report immediately to Regions Bank that fraudulent activity had occurred on his account and following up repeatedly with Regions Banks ( several branches and Customer Service ), his case was denied. Actions : XX/XX/XXXX XXXX : the fraudulent call took place - fraudster posing as Regions Bank explained that there had been fraudulent activity on the account and asked security questions, to which XXXX XXXX answered. Call lasted over an hour. XX/XX/XXXX XXXX : XXXX XXXX logged into bank account and discovered that {$17000.00} was PENDING as a wire transfer, unauthorized by him. XXXX XXXX immediately called Regions Bank ( Regions Client Services XXXX ) to report fraudulent activity had taken place on his account. The {$17000.00} was still in his account at this time. XX/XX/XXXX XXXX : XXXX XXXX was told by a representation at Regions Bank that a flag to stop the transfer was put on his account and to call back on XX/XX/XXXX at XXXX to discuss, as XX/XX/XXXX was XXXX and the bank would be closed. XX/XX/XXXX XXXX- bank closed XX/XX/XXXX {$17000.00} leaves XXXX XXXX account, unauthorized by XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX reports in person to Regions Bank to discuss. XXXX XXXX was told by Regions Bank at that meeting that he would receive provisional credit within XXXX days. XX/XX/XXXX XXXX XXXX corresponds via email with Regions bank manager, XXXX XXXX. He is told that Regions Bank located the money to which the wire was sent ( XXXX XXXX ) and that they were waiting for them to respond. XXXX XXXX was told by Regions Bank that XXXXXXXX XXXX had 90 days to respond. XXXX XXXX XXXX repeatedly XXXX to Regions Bank in person and via email to check on the status of the credited {$17000.00} to his account. ( XX/XX/XXXX and XX/XX/XXXX two email messages sent to XXXX XXXX, Regions Bank XXXX XXXX XXXX Banker ID : XXXX by XXXX XXXX checking on status of missing {$17000.00} ) ( XX/XX/XXXX email message to XXXX XXXXXXXX from XXXX XXXX, Regions Bank stating " Regions is working with XXXX regarding the wire claim. We are waiting for a response from XXXX regarding options. Once I get an update, I will follow up with you '' ) ( emails attached ) XX/XX/XXXX XXXX received letter in the mail from Regions Bank stating We have completed investigation on your claim. Based on this investigation, we have determined not to provide any credit to your account for the transfer ( s ). This determination was based on the following findings made during the investigation. Transactions were authorized using agreed-upon security procedures. ( letter attached ) XX/XX/XXXX XXXX XXXX called Regions Bank Customer Service to inquire about the details of the letter, finding " agreed-upon security procedures ' unclear. After 3 hours of being passed around from person to person and continually asking to speak to supervisors, he had a conversation with XXXX XXXX in the Regions Bank Fraud Dept. ( XXXX ) She told XXXX XXXX that she " didn't think he was at fault '', that an investigation had been opened through Client Services ( case submitted # XXXX ). She instructed XXXX XXXXXXXX, in the meantime, to return to a Regions Bank branch and have the branch manager go through Regions Bank channels to contact the Business Intrusion Department, Client Services and the Fraud Dept. XXXX XXXX visited several branches seeking help. All managers did not understand how he did not have his money back and said they would work on the case. No one has followed through. XX/XX/XXXX - XXXX XXXX received mass email to all Regions customers warning of fraudulent activity and outlining steps to take if customer found themselves in a fraudulent situation. The steps they outlined were exactly the steps taken by XXXX XXXX at the time of the incident. ( letter attached ) To date, no one has contacted XXXX XXXX regarding the investigation. Regions Bank has taken no accountability, nor communicated effectively and timely. Despite taking ALL STEPS necessary, as outlined by Regions bank, at the first knowledge of fraudulent activity, XXXX XXXX PENDING unauthorized wire transfer of {$17000.00} was processed and not returned to his account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46037
Submitted Via: Web
Date Sent: 2023-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XXXX at around XXXX XXXX $ of fraudulent debit transactions hit my husband 's and I 's joint checking account in XXXX separate individual charges ( a XXXX $ charge associated with XXXX XXXX, a XXXX $ charge associated with XXXX XXXX and a XXXX $ charge associated with XXXX XXXX ) associated with my debit card. All of these charges happened about XXXX minutes of each other including further attempted charges that Regions fraud prevention finally stopped. We immediately notified Regions of these fraudulent transactions and requested a new debit card and for the current debit card to be permanently removed from our account within XXXX minutes of this taking place. We were notified by Regions that we could not dispute these transactions until they posted to our account though. On XXXX the charges posted to our checking account, and we disputed them with Regions. Regions refunded us all XXXX $ dollars of fraudulent charges on XXXX and XXXX. On XXXX we received a letter from Regions dated XXXX stating that XXXX of the fraudulent charges would be charged back to our account ( the XXXX $ and XXXX $ XXXXXXXX XXXX charges ) on XXXX. It is important to note that to my knowledge I never had an XXXXXXXX XXXX account and upon requesting statements from this XXXXXXXX XXXX account they show XXXX $ monthly totals and an inactive account from XXXX till the date of this incident. My husband and I have since reported this to local law enforcement and completed a police report regarding identity theft. Regions is now not cooperating with our requests for documentation showing the further charges that were attempted on our account on XXXX that did not go through and were blocked by regions fraud prevention. Regions is also attempting to charge XXXX $ of charges to our account on XXXX which we did not authorize and immediately reported as fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 307XX
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I am the XXXX for our local XXXX XXXX XXXX. We bank with Regions Bank. In the Spring we have a big fundraiser where we sell and spread XXXX to help raise money for the kids to pay for outings, gear and Summer Camp. On XX/XX/XXXX we made a deposit that was about {$10000.00}. There was one check from a XXXX customer where the customer had written the date as XX/XX/XXXX and then changed the day from a XXXX to a XXXX. There were initials above it. The remitters bank ( XXXX XXXX ), refused to pay the item, and Regions returned it unpaid as altered and proceeded to place a hold on the entire account to investigate XXXX XXXX. The balance was over {$50000.00} and they froze the entire account, not just the {$220.00} that represented the check in question. The notice that we received in the mail only indicated a hold for {$220.00}. I went to the bank when a check totaling {$7100.00} for a trailer of XXXX was returned with a reason of Frozen account. The Regions manager opened a ticket and within a day told me the hold had been lifted from the account. We continued to do business by making deposits and writing checks for expenses. Then on XX/XX/XXXX I learn from a XXXX parent that a check we wrote him to reimburse some expenses was returned unpaid after he made a deposit into his Regions account on XX/XX/XXXX. So, I end up back at the bank to see what had happened. Apparently the hold that was to have been deleted on XX/XX/XXXX was never deleted. After my request to escalate, the manager was able to get the hold lifted by the end of the day. I have been in the financial services industry for 16 years, 15 of which was in operations for XXXX XXXX. Here are my issues with my experience. Im sure the date being changed triggered some flow chart of policy that was followed to return the check unpaid. But if someone actually looked at the check, they would realize that the date being changed from XX/XX/XXXX to XX/XX/XXXX ( initialed or not ) has no impact on a check that isnt deposited until XX/XX/XXXX. Any check that isnt stale dated or post dated should be fine if the date of deposit is after the date on the check. If the check in question is only {$220.00}, why put a hold on the entire account balance? If there is a freeze on the account for research of deposit fraud, why not block all credits too? Why continue to let us deposit into the account? And lastly, when you send notice that there is a hold on {$220.00}, only hold {$220.00}, dont hold the entire balance. Regions has been standing in the way of 45 Boy Scouts having access yo money they have earned to pay for XXXX XXXX. And while this XXXX be the way banking is done, it definitely isnt a good customer experience. It makes people question Regions ability to handle their business
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35173
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A