Date Received: 2022-05-02
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: see attached debt validation/ bona fide dispute
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33702
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-01
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
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 with out 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: GA
Zip: 30060
Submitted Via: Web
Date Sent: 2022-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was affected by the coronavirus and was given an option by Enerbank to satisfy a debt due to this and that if I did it would not negatively impact my credit however they did add it in XXXX as a charge off which negatively affected my credit score I was under the impression that the CARES act did not allow this and also told by them it would not and they are saying they will not take it off and I feel this is unfair given the pandemic issues we have been dealing with etc.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 270XX
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I went to XXXX, FL XXXX XXXX XXXX on XXXX XX/XX/2022. Regions Bank representatives failed to appear. The Honorable Judge XXXX XXXX entered a Default Judgement in my favor and I was told to return XXXX XX/XX/2022 for a Final Hearing. Regions Bank representatives appeared for the Final Hearing and the judge vacated her Default Judgement and allowed the banks lawyers to proceed with their defense. Regardless of all the circumstantial evidence I presented to prove Fraud and Embezzlement on the part of the Regions Bank Teller, the judge agreed with the lawyers that they were not liable for the theft of some {$2300.00} because I had failed to discover the fraud within 30 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33604
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Was charged 10 overdraft fees for transfers I didn't approve from a account that was hacked and fraudulent transfer was made resulting in negative balance of $ XXXX and charged {$360.00} for Nsf and overdraft fees and trying to dispute transactions because of account being hacked and transfer made was not by me it was fraudulent transfer
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46241
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
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 my credit card account under an open end consumer credit plan as late for and purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: In XX/XX/XXXX, I began the home buying process. On XX/XX/XXXX, I was informed by the loan officer that everything was clear, and we were set to close on XX/XX/XXXX, on the house I had been living in ( lease-purchasing agreement ) since XX/XX/XXXX. Also, I received my closing disclosure prior to closing and was informed of my mortgage. On XX/XX/XXXX, as I was getting dressed to go to closing, I received a phone call an hour before closing and was informed by the loan officer that the closing time would be pushed back to the afternoon. Later, I was informed that the date would change because the old underwriter was out of town and the new underwriter wanted to talk to the old underwriter. An email was sent to all real estate agents involved that the date would be moved to next week due to an internal error ( Regions XXXX fault ) and NOT the buyer 's fault. I informed the loan officer that this would not work, we were going to be put out and would not have a place to stay if we did not close on today and I had been telling him that throughout the home buying process. Due to the closing date change, the seller was able to get out of the contract and the seller did not show up for closing on XX/XX/XXXX, because ( per seller ) she can now get more money for her house since Regions didn't meet the closing contract date. My family and I received an eviction notice and the seller gave us 14-days to find housing. A family of XXXX had to move into a 2 bedroom/1 bath apartment because we had exhausted our monies, buying moving items, securing storage, paying deposits and etc. We were evicted from the home and lost the sale of the house we lived in for a year due to Regions XXXX Negligence. My children who are all XXXX were uprooted from their routine and everything was hard to readjust for them. My daughter had to cancel her XXXX birthday pool party, and losing housing caused a strain on the entire family unit and we had to seek counseling.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35007
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I reported that I had an unauthorized transaction on my account for {$500.00} at an XXXX. I told them this information hoping to recieve a chargeback or refund I was told that regions does provide temporary credit but I never receive. They did not take investigation serious I do not live near an XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33127
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Companies Involved : Region 's Bank Mortgage Group, XXXX XXXX ( XXXXXXXX XXXX ) Complainant : XXXX XXXX & XXXX XXXX XXXX We applied for a construction loan via Region 's Bank Mortgage which was handled by XXXX XXXX as primary. Our situation was unique in that I had been technically unemployed for 12 months while awaiting closing on a XXXX XXXX Loan which was disclosed during the loan process. We received a letter of approval from Region 's and entered into a contract with XXXX XXXX and sent in a check for {$45000.00} as a downpayment. I was told that there was very little chance we would not be approved for a mortgage due to our net worth and credit scores above XXXX Things went awry as we entered final underwriting- we were " approved '' with a major XXXX** **We were asked to put all our cash assets and liquidate IRA 's into a trust to draw {$11000.00} per month income. Given that we were awaiting final approval on an XXXX XXXX loan, this would have ended our ability to buy a business and crushed us tax wise. There were two verbal statements made by Region 's mortgage that concerned me greatly and reminded me of behavior that led to the crashes of XXXX. A. XXXX the closing coordinator told me we should grab this loan because internal compliance at Region 's bank felt that this type of loan was problematic and not compliant although they would get it approved. I was told it wouldn't be offered very much longer due to internal control concerns of their Risk team. B. XXXX XXXX directly told me on two occasions, that as soon as the loan closed we were free to cancel the trust, which made me feel as if I would be committing a fraudalent activity just to get past their underwriters. 2. When I consulted my XXXX banker and Financial Advisors, I was told that these activities would endanger my business loan. I informed the bank that the terms of their XXXX were un-doable ... .and then things got worse. A ) I asked XXXXRegion 's to help me recover my {$45000.00} deposit, however, they stated repeatedly that I " just didn't want to close '' despite very real issues. B ) XXXXRegion 's then relayed to the builder, XXXX XXXX , that we just didn't want to close vs the serious issues above. XXXX XXXX at that point informed us that they would keep our entire deposit due to the banks absolute insistence that " we didn't want to close '' and wouldn't negotiate any settlement due to these statements C ) The builder 's sales manager, XXXX XXXX, relayed to my wife and I that he was very good, close friends with XXXX and XXXX ( the closing manager ) and that what they said was 100 % the reason that we couldn't negotiate a refund or any settlement D ) I again asked XXXX XXXX for help on this matter to reiterate that Region 's position was untenable but they began ignoring our pleas. They then sent me a denial finding letter after it was clear the loan wouldn't be viable. I would ask this from the CFPB : - Should Region 's have made a pre-approval on this loan given our circumstances- Should a banker 's personal opinions and friendships with builders regarding his clients finances be relayed to outside parties such that they can take advantage of clients. Why make inflammatory and untrue statements? - Should Region 's be allowed to make these grey area XXXX XXXX XXXX XXXX loans when the client may be impacted or maybe not approve them at all? Giving me the advice to set up a trust and then close it felt like bank fraud. - Was there any collusion or financial kick-back from XXXX XXXX XXXX to Region 's bank personnel? - Is there any penalty to Region 's for their actions to gain return of my {$45000.00} deposit, given their actions directly led to its loss? - Last, Can a Bank be banned from doing business with certain homebuilders due to improprieties in personal friendships and causing clients to lose money? Thank you for assessing these concerns.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28117
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XX/XX/XXXX an unauthorized transfer from my checking account to my credit card happened. I believed i canceled this transaction on XXXX. This is the second transaction that moved between accounts. I contacted the bank stating this was unauthorized and needed to be reversed. the bank did not allow me to access the funds until XX/XX/XXXX. I spoke with multiple representatives in person and over the phone. I do not think i was properly verified or properly transferred. The bankers stated they have no record of previous interactions and i had to follow up to remedy the situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 50320
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A