Date Received: 2023-04-15
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX, my wife and I met with XXXX XXXX a XXXX XXXX representative who has promised to have Solar and new roofing for a total cost of {$58000.00} with XXXX refund of {$940.00}, a FEDERAL Refund of {$15000.00}, a STATE Refund {$5000.00}. and NYC Refund {$11000.00} with a NET Cost of {$26000.00} at a rate of 3.99 % with a Term of 24 Years. XXXX XXXX proceeded with the qualification by pulling my XXXX Credit Score and the next thing was an email from Enerbank saying that I was eligible for a financing amount of up to {$120000.00}. That was the end of our meeting. No application or contract was signed that day. He only asked for my Social Security. Now EnerBankUSA quoted the interest@ 4.99 % with no payment term and if payment is not made in full by XX/XX/XXXX the amount will be increased I have told them clearly that there's no way that I will pay it in full. Please help. Thank you and after and our only cost will be
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11413
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/ at approximately XXXXXXXX XXXX EST, I placed an envelope into the big blue mailbox in front of the Post Office on XXXX XXXX XXXX XXXXXXXX Georgia. The mail contained my personal check payable to my son, XXXX XXXX, and addressed to him. The check was written against my account with Regions Bank in the amount of {$2400.00}. My son never received the mailing. On XX/XX/, I received notification from Regions Bank that the check had cleared my account and {$2400.00} was transferred to XXXX XXXX XXXX based upon my check # XXXX clearly payable to XXXX XXXX, but deposited and endorsed to the account of " XXXXXXXX XXXX XXXX. I immediately reported the mail theft to the US Postal Inspection Service, Case # XXXX. Next day, I visited Regions and met with Branch Manager XXXX XXXX and filed a check fraud claim, # XXXX. XXXX said that my case was very clear and simply fraud that should be resolved in less than 30 days. On XXXX XXXX XXXX I filed and additional affadavit on an Unauthorized Check Dispute Form. I have continued to follow up with visits and telecons with Regions Branch Manager XXXX XXXX and after 5 months, have not had my {$2400.00} restored to my account. I have tried multiple times to escalate my case with Regions. I have received sympathy but no real help. Regions is deferring to XXXX XXXX XXXXXXXX for resolution. I don't have an account with XXXX XXXX XXXX. Regions is responsible for taking money from my account and giving that money to XXXX XXXX XXXXXXXX based upon a fraudulent deposit by a third party with my check made payable to my son. I have tried to get help from the FDIC who then referred me to the Federal Reserve. The Federal Reserve then referred me to the Consumer Financial Protection Bureau for help. This fraud investigation should not take 5 months plus to resolve and restore my stolen funds. The update I got from Regions just today said that the update has not changed and please do not request another update for 30 days!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30094
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I was banking with Regions when I made a purchase on XXXX from my business checking account on XX/XX/XXXX. I returned some products to XXXX but only after that checking account closed. I tried my hardest to get XXXX to refund me a different way but nonetheless they refunded {$960.00} and {$800.00} on XXXX XXXX. Currently the date XX/XX/XXXX and Regions Bank nor XXXX have any idea where my funds are. This is a total of {$1700.00}. I have been to several Regions Bank locations and spoken to many representatives on the phone. Finally one person said they saw the transactions but she could not do anything. It has been months and I have been at a loss. Please Help!!! Regions keeps sending me back to XXXX and XXXX keeps saying the money hasnt been returned. Also, both parties say if I have an account the money will just find its way into the account. I still have a checking account with Regions and this phenomenon did not occur. I need assistance!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30728
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone opened online accounts at XXXX and XXXX Credit Bureau 's using my information. They changed my address and phone number in an attempt to gain credit. Six different " hard inquires '' were submitted to my credit report on XX/XX/XXXX & XXXX 2023. None of them were from me requesting new credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48047
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Money was not available when promised
Subissue:
Consumer Complaint: My friend send me {$2000.00} through XXXX on XX/XX/2022. I have a account in Regions Bank.And I didnt received it. I went to my bank and told them the situation and after multiple follow up. They didnt solve my problem. Every 2 weeks a spend hours to talked to them and follow up the case but actually its more than 8 months and they didnt helped me. I provided them the confirmation and claim letter from my friends account and bank said that the money is transferred to my account. But I didnt received it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33172
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
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 am have been a customer of Regions bank since XXXX. The bank has been charging me an analysis fee for the pass seven year for a service that I was not receiving. XX/XX/XXXX the fee was {$15.00} per month. XX/XX/XXXX the fee has increased to {$40.00} per month. I went into my local branch and talk to the branch manager. He told me the bank no longer provides this serves and he would put in a ticket concerning the monies withdraw from my account. The branch manager called me the following week with an update. He stated my account would not be charged an analysis fee any more and that the bank would be refunding me the last three months of the fee that were charged to my business account. On XX/XX/XXXX I sent the branch manager an email. Explaining my concerns of being charged the last seven years a fee for a service I was not receiving and I did not think it was fair for the bank to only refund me for three months. I receive no response to my email so I sent another one on XX/XX/XXXX still no response. I am a small minority business owner that was blessed to keep my business opened after the challenging times of the pandemic. Your assistance with this matter will be greatly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39401
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I was charged fees and monthly installments when the account has been paid off when I refinanced my house in XXXX, in fact it had to be for the refinance, no bills for months then today I received a bill for past due payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49426
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I called regions on XX/XX/2023. I called to apply for a XXXX personal loan, I was denied the loan because my credit score. 12 CFR 1002 says you cant not discriminate against me for any reason including my credit report. I called to talk to fraud about the situation at hand but no one was helpful in the situation.
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: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
Issue: Problem when making payments
Subissue:
Consumer Complaint: Incorrectly received delinquent account report affecting my credit. I paid {$140.00} on XX/XX/XXXX and it was due XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 974XX
Submitted Via: Web
Date Sent: 2023-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XX/XX/2023, I received an email stating that I'd opened an account with Regions Bank and shortly after, I received an email stating I'd updated my email address. On XX/XX/2023, I received a confirmation email from Regions Bank stating that I added the standard overdraft coverage. I didn't open any accounts with Regions Bank nor did I add any services. I don't have an account with Regions Bank nor have I ever had an account with them. I tried calling the numbers that were posted without success. The reps needed the full account number or my social security number. I didn't have the full account number and wasn't going to provide my social security number. I reached out to a colleague for a contact at Regions and he provided one on the business side. She referred me to file an ethicsreport aXXXX XXXX. It looks like it was more related to either an employee or someone that does business with Regions but I completed it anyway.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60432
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A