Date Received: 2022-09-02
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX, I closed on a home w/ Regions Bank as my Lender. On XXXX XXXX, I was called in for a meeting with the Builder, Regions Bank & the Title Company that handled the closing. During the meeting Regions Bank admitted a financial worksheet had errors on it, but they did nothing wrong as a Bank. They also said they unilaterally decided for me to pay some of my costs ( close to XXXX ) to the Builder directly, post closing. This was the first time I EVER heard of something like this! No one in the meeting besides Regions Bank, had of heard of anything like this either. This is a huge issue for me financially for more reasons than one. I'm afraid I'm going to be stuck to continue to pay for my rental AND the new mortgage because the Builder is saying he doesn't have the funds to complete the home. I'm begging for someone to investigate this with Regions immediately, because this is a Financial and Emotional burden on me and my Family. Thank you in advanced, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34683
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check for {$1000.00} on XX/XX/2022 to regions bank. The check went through fine and was paid to them, but they did not like the way it looked. So they shuttered my account and refused to return any money to me but they keep charging fees on the account. So the money in there is good enough to pay them, but not available for me to use. I went to the local office to discuss it with the manager and was told that all they can do is submit a 'ticket ' because their fraud department has no telephones. It is now XXXX and they still refuse to return my money even though I have given them evidence that there wasn't anything wrong with the check. When I complained that I needed the money one of the employees told me I should have had a back up plan, and I shouldn't deposit checks into regions bank because that is their standard policy to close accounts without notice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34476
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I previously submitted a complaint, # XXXX, about {$140.00} in overdraft fees my Regions Bank account incurred for certain electronic transfers that went through without my knowledge. I received a letter dated XX/XX/2022, from XXXX XXXX with Regions Bank in which he explained that the bank had mailed me notifications. XXXX XXXX provided a phone number for me to call with any questions or concerns. I never received anything in the mail from Regions bank -- not account statements, not notices of overdraft fees, and not the letter from XXXX XXXX. I have attempted to contact XXXX XXXX at the phone he provided, but it goes straight to voice mail and he will not return my calls. I tried calling into the Regions call center and they had no way of contacting him either. They explained that based on the information provided to them that XXXX XXXX was not able to call customers back. This seems extremely unfair to have a bank representative send out a letter, asking a consumer to contact him by phone with questions or concerns, when that bank representative is not set up to field questions or concerns.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75605
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I applied for a {$25000.00} cash loan with Region Bank on Tuesday, XX/XX/XXXX and was approved instantly by region system. I had been given an interest rate of 9.4 %, term of the loan and a monthly payment. I electronically sign the loan and was told to come in the next day or so to retrieve the money. The next day I received a call from the loan officer at the local branch located in XXXX, XXXX XXXX that an underwriter wanted me to submit recent check stubs and a copy of my W-2 forms. ( I really felt violated because the system had already verified this information and approved me ). So after violating my personal information and having me submit it to the local branch I was informed that I could have only {$14000.00} and I must use the {$14000.00} to pay off loans of their choosing. Therefore leaving me with nothing. To let it be known, I had a credit score of approximately XXXX and have always paid on time and have nothing derogatory on my credit. I feel as if this inquiry on my credit has a negative effect. Also I had to apply to another bank and receive a higher interest rate of 17.3 % and higher monthly payment. I was told that my interest rate was higher because I had just had Region inquiry which impacted my credit score significantly. I would like for the inquiry from Region to be removed from my credit report or give me the money I was approved for to pay off the higher percentage loan. Also, I feel discriminated and disrespected by this local branch in which I have known other races to receive loans and dont nearly have the credit worthiness I possess. It has been reported in this local town that XXXX information is shared throughout the banks as a form to keep them oppressed and prevent them from owning business. I tend to know this to be reasonable so from previous attempts to purchase property. I will appreciate any suggestions or assistance you can offer. My credit score is damage from this incident.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 389XX
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-01
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Im being told that I owe XXXX for a card Im very unaware of The card was opened back in XXXX of XXXX Also shows a secured loan and a bank account that was used as well Where withdraws and deposits were made I just settled the same case with XXXX XXXX which I did not have at all but it finally got closed after 3 months of me being told my info was verified
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2022-09-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: Someone stole my identity and now I cant open a account nowhere because they wrote bad checks and all on me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 308XX
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XXXX XXXX, a sum of {$1000.00} was debited from my checking account to pay for a loan that I did not apply for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 759XX
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Hello, A few months ago, I tried to obtain a second mortgage with Regions Bank. My rep was XXXX XXXX. He said he " locked me in '' at 6.125 %. I showed up to closing and it was 1.75 % higher than I locked. He said he had no idea what happened and said come back in two hours and I will have this fixed. I came back in two hours, and it was the same interest rate. He said, " sign it, and send me a snapshot of the rate and I will get it changed ''. During this time the feds raided the rates twice! I was in a corner, so I signed it. He could never get it changed. I spoke to his supervisor, XXXX, and he could not help me. He basically said sorry, but you signed it. I was told it would be changed. Sadly, the exact same thing happened to my ex-husband, whom I gave him XXXX XXXX 's number! That went over well. We exchanged multiple emails about this, and I was completely lied to. I have already filed a complaint with Regions. I also had a lock on a loan with another bank. I did not go with that bank because XXXX XXXX promised the moon and delivered rocks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46077
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-27
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I applied for a XXXX card in XX/XX/2022. I was approved for a card but the cards was never sent. Ive been trying the call my account rep XXXX XXXX but shes not answer phone calls Ive left messages and emails but never got a response back from her. When I called the main company line to speed with a different rep they always refer me back to XXXX. In XX/XX/2022 I filled out an second application. They have ran my credit but I still didnt get a response. Also I have verified ALL of the information that was required of the company
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2022-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency CAN NOT furnish a account without my written instructions. 15 USC 1666B : A creditor may NOT treat a payment on a credit/card account under an open end consumer credit plan as late for any purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37128
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A