Date Received: 2022-03-28
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I filed for Chapter XXXX bankruptcy sometime in XX/XX/XXXX and was discharge in XX/XX/XXXX. It took 5 years for the discharge because my bankruptcy lawyer was suspended and went to jail, so I have to finish my Chapter XXXX without the help of a lawyer. I am trying to refinance my home at the moment and it turns out my second mortgage company put a lien on my property without letting me know. I assumed that my second mortgage was XXXX by the bankruptcy court because my second mortgage company stopped sending me bills since the start of my bankruptcy proceedings. It is like it went on " zombie '' account and they hid the statement from me that I still owe them money. After I contacted them to release the lien, they are trying to collect the $ XXXX that I owe on the second mortgage. this put me in a bad position and will not be able to afford the mortgage payments. I am current with my first mortgage and excellent payment schedule. I am XXXX XXXX XXXX and ready to retire and hopefully will be able to file this complaint against my second mortgage company as a violation of Elder Financial Abuse by the second mortgage company. Can you please let me know if you can help me in this situation? Thank you very much.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91766
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I got XXXX in XX/XX/2020. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I tried to refinance with XXXX XXXX. I got my house appraised and after many months of their false promises they rejected me. I went back to my bank, Regions. I contacted XXXX XXXX several times by emails and voice mails about refinance or home equity loans. He didnt respond. My credit score was still XXXX. I finally went into the bank and talked to the home equity loan officer. My score was now XXXX. He said I didnt qualify because my score was too low. He had XXXX call me who told me the same. I have been trying to get forbearance or another program to give me relief ever since. Ive made numerous calls, spoken to numerous people, faxed in numerous times, gave permission for them to pull my bank statements, and still nothing has been done!!! I now feel theyre trying to steal my property which is worth almost four times what I owe! Ive been one payment behind since the last stimulus check and cant get ahead because I live on $ 1300/mo, but need {$1700.00} for bills. I shouldve gone to another bank. I need someone to intervene to get Regions to put me on forbearance or another program. They shouldve refinanced or given me a home equity loan when my score was high and I was contacting their loan XXXX. I became XXXX due to XXXX and need XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 370XX
Submitted Via: Web
Date Sent: 2022-03-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-27
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: Hello, I have been dealing with this issue for two years. It stems from a case that began in XXXX pertaining to me and my little boy. I am the mother and my son is heir to a large estate. I have a parenting plan so its illegal to sue me for custody after his father died. Anyway, the person suing me had gotten someone to seizure my computer and XXXX that are synched to delete information pending to the case showing that she is unfit for my child and the truth to the allegations claimed. So, i even know who it is as you have to have access to my old XXXX ID. I had been worried about my privacy since then and got a new XXXX ID and that worried them because the idea was to not succeed for me. They didnt want me to as the child is one of interests to the other for one thing if I am not unfit with proof. After I showed her attorney in XX/XX/XXXX that the allegations claimed were false, they canceled to have it heard. Well, they took computer in XX/XX/XXXX and the XX/XX/XXXX is the bearing they canceled that officially would have Dismissed the case. So, it was over and she kept it ongoing until XX/XX/XXXX by keeping me out of court in her city which me nor child are from. Naturally, you petition in the county where the sole living parent resides. Anyway, in relation to my products later on, I then, discovered credit fraud and false charges on my account as late as yesterday that linked to my XXXX ID from XXXX. I have been charged countless false charges and I dont even have the card linked to my account at that time. I also, have a new debit card and the one they are releasing funds from doesnt work and neither XXXX ID has my new debit card information until yesterday. Well, if I have had this card for 4 months and havent linked it until yesterday and the other is canceled? How are they withdrawing funds? XXXX said my old debit card was linked to both XXXX ids and I said no. I dont have any apps I am even paying for. I found it connected to my new XXXX ID. So, what I think occurred is that they linked my old XXXX ID using my devices. I no longer log into my old XXXX ID at this time. However, they have in order to attempt to spy or read my emails while also committing fraud on my checking account. I called XXXX and they removed the charges. XXXX did confirm this. I then, was about to place the new debit card information and saw that there was another number not my own linked to the account. I dont know whose number it was or did I recognize it. I will report the other things I have found in the subjects they each person. This is done to financially harm me as I have damaged credit now. This person who is my ex mother in law was attempting to claim false allegations and I wasnt allowed to file anything and she took my son and his entire estate. She is the one also responsible for the computer and XXXX. I dont know what to do as the local authorizes dont listen as my son isnt from this state. Therefore, you can not petition a court without venue or jurisdiction and take someones child for no reasoning especially, if the mother has never had any issues. Anyway, I thought you should know there was intent and why. Thanks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75701
Submitted Via: Web
Date Sent: 2022-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-24
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Regions Bank as the habit of going back on policies described as ways to either prevent one 's account from receiving overdraft fees or reimbursement for fees imposed and the given excuse is always processing. Example one : regions ' policy is that if you have a negative balance at the start of business, usually XXXX, and if by the close of business ( XXXX pm ) you have brought your account to a positive status you would be able to avoid transactional overdraft fees of {$36.00} per, for overdraft transactions posted to your account. However, you may bring your account to a positive status by the close of business for the transactions " posted '' to your account but then while processing transactions overnight you may still wake up to a nsf fee imposed for any additional transactions that was posted overnight that was not visible to you. My argument to them would be that I brought my account to a positive status before XXXX, they would acknowledge this but then say that a merchant presented a debit that was processed overnight. I would argue that this was not visible to me thereby denying me the time to cover it and that that transaction should be forwarded to the next business day since it didn't make it to the close of business by XXXX and I have no way of knowing or covering what is posted overnight. Example two : if I wanted to stop or revoke an ach payment authorization while it's still pending to my account I'm unable to, I have to wait 'til it's posted before I can do either even though I know I will be overdrawn because I have several transactions that will be automatically drafted that will overdraw my account and I would receive a fee for each transaction but they tout that each transactional fee will be refunded after the request is submitted. They do not abide by their own policy and have not and will not refund me nsf fees in the amount of {$100.00} dollars for a payment authorization revocation I submitted on XX/XX/2025.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37415
Submitted Via: Web
Date Sent: 2022-03-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: My mortgage is through Regions Bank in Missouri. At or during the time when the United States Government enacted the Covid-19 Forbearance, I called Regions Bank to inquire about this program. I asked many questions, to include asking the employee handling this Regions Mortgage Forbearance Program, to include is there anything I should be warned about ahead of time, will this affect me or my credit on the tail end of this option. So, by accepting this Covid-19 forbearance through Regions Bank , would it be reflected on my credit statement on either three of the credit reporting agencies. The employee stated equivocally and totally that it was a NO. That by entering into a forbearance, it would NOT be reflected on my credit and yet I am still fighting their credit determination and reporting practices because the forbearance was reported to my credit as non payment. I am in understanding that he was a low-level employee and that was not a question he was eligible to effectively answer at that time. I say that because now I am finding out through proof of this company 's handlings with my report and the short comings in which it not only was but is still being handled. I feel they are at blame in this matter because what I was told by their employee and the fact that it should be on record, by the statement they told me during every phone call is that all phone calls are recorded. So, if this is true then all of my phone calls should be on record in regard to this matter, even going back to when I first signed up for the program in which I am referencing and should be able to be accessed to this case. My issue is that when I first called, they, the employees at Regions Bank on a recorded phone line informed me that nothing would affect my credit or reporting of my credit from going into the Covid-19 Forbearance Program enacted by Congress. Secondly, when i have checked my credit, I see that this forbearance through Regions is yet still reflected on my credit, through all three credit reporting agencies. My issue with this bank and their reporting, is that I was promised by a Regions Bank employee in the mortgage department that by entering into the Covid-19 Forbearance Program set in place by our government that it WOULD NOT affect my credit. It however is being shown on my credit and I am very upset about this. I am a veteran, and XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX through the VA. I do not appreciate their actions or response to my inquiry about this and it has not been done in a timely manner and or handled in a respectful manner. I feel I am owed this by my service to my country at the least. Thank you for your time in regard to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63026
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: This is not a duplicate complaint. This is about a new issue of discourteous, dismissive and discriminatory treatment by Regions Bank related to written and verbal communication. On XX/XX/XXXX, XXXX XXXX XXXX of Regions Bank addressed a letter to me regarding complaint ID XXXX. I responded to contents of the letter on XX/XX/XXXX. The delayed response was due to treatment for crisis level XXXX XXXX XXXX and adhering to medical advice of avoiding XXXX inducing situations. I waited for a response until XX/XX/XXXX, and decided to call the number offered in the Regions Bank letter. My letter and call were in response to the statement - Regions works hard to exceed expectations and provide the best customer service experience possible. Your feedback is very important, and our goal is to address your concerns and provide the best solutions. When I called the number, a female answered and after stating that she did not recognize the name of the person I asked to speak with, she stated she would transfer me to a department that could possibly help me. I waited for fifteen minutes while repetitive automated messages bombarded my eardrum before I decided to disconnect. To date I have received no response by telephone or written.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33617
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I am a XXXX XXXX XXXX lady who is on XXXX and the victim of ID theft to boot. Regions bank is robbing me blind. Instead of charging me a one time overdraft fee and covering my item then holding their money out on the XXXX, they're playing games with me and what little money I have. I get XXXX a month and XXXX XXXX is taking 10 % of that back saying they overplayed me, that leaves XXXX a month. My rent was XXXX and my full coverage insurance is XXXX so that only left me XXXX dollars a month to eat and live on. Because of the ID theft I did away with the debut cards and resirted back to checks, except that's worse. Now they charge me the XXXX dollar fee, and send the check back, 3 times. In the end I'm paying XXXX in overdraft fees and plus XXXX ir XXXX wherever I have to pick up the check at plus the price of the check. Ow I owe over XXXX in insurance in XXXX and the bank has XXXX XXXX XXXX in the minus, add my phone bill of XXXX and I'm screwed.. I'm already living in my car because of the way they are playing with my money.. I'm drowning here with no one to help me. How is this even close to fair? I have now threw away my checks also and only go to the bank which makes it very inconvenient because I should be able to access my money 7 days a week just like everyone else. I'm extremely stressed about this. Which is a no no because I have a brain XXXX and could have a brain bleed and due any second
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 717XX
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: To start off, I am XXXX. I am XXXX, which in America is considered a XXXX. It is XXXXXXXX XXXX. I have tried resolving these problems with Regions Bank many many times, in attempts to get relief from the overdraft fees of well over {$200.00} a month for the last year or more. The majority of the time I have been opted out of overdraft protection. As it stands right now, my bank account is- {$820.00}. My paycheck will not be coming to this bank account any longer, as I will not be able to pay rent or anything of the sort if it did. With that said, I am currently opted in to overdraft protection, which I did because I needed it this past week. My limit is- {$200.00}. So please have someone explain to me how transactions do not get declined, and at what point they do get declined, or if their abusive practices simply allow it to go that negative due to my direct deposit coming through each month. I have gone to the XXXX in hopes that I receive a refund for the past year of overdraft payments, as many times they have overdrafted me on {$2.00} charges. From the dates XX/XX/2021 to about XX/XX/2021 I was on Social Security XXXX, and that was my only income. This entity is financially abusing me and I have no escape from it. It does not matter to me if these charges are bounced- I can manage without them until paydays. What I can't do is handle $ 200+ a month in overdraft fees when I am already living paycheck to paycheck and counting on my elderly mother for food and utilities. If this is not abuse, then I will not be using a bank account in America any longer. I want to see more action taken against Regions Bank than them simply sending me a letter in the mail instead of responding to me through the channel that I chose. They didn't even have my address entered correctly. This is unacceptable. XXXX XXXX 's bill, the Stop Overdraft Profiteering Act of 2021, has seemed to have an impact as Regions is discontinuing overdraft fees, but Regions still refuses to offer any assistance by refunding the fees or preventing them from continuing. It does not cost these banks {$35.00} for a {$2.00} fee! THIS IS LEGAL FRAUD. The economy is crashing and it's America 's banks that are at fault. If nothing is done regarding this case, I am switching solely to Bitcoin. They will not get another penny out of me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75904
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/2022 I attempted to use my new " XXXX XXXX XXXX '' to pay a vehicle repair bill of {$2200.00}. The card was declined. I called customer service and they informed me that my limit was {$500.00}. I told them that in order to use this card to run my business I would need a higher limit. They raised my limit to {$5000.00}. They also informed me that my billing cycle was 7 days. I told them I needed it to be 30 days. They said they will take care of that and I will receive a confirmation email. I never received an email and 2 weeks later they charged me a {$270.00} late fee. I was then charged a {$5.00} high risk fee. I paid the bill of {$2200.00} but not the fee. I called customer service and requested the late fees to be dropped. They said they can't drop them but will credit the account the amount of the fees but I still need to pay them. I no longer want to do business with this company and want my balance to show {$0.00}. How many people have been charged {$270.00} for a late fee. I feel like this should be a lawsuit situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2022-03-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-11
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2022, between the hours of XXXX and XXXX, my vehicle was broken into and my work bag was stolen. XXXXnside was my wallet containing all of my personal identification including my social security card, drivers license, bank debit card and other personal cards/documents. On finding the break in we immediately cancelled the debit card and reported it stolen and filed a police report. Despite this, the following day while we were in the middle of fixing our broken window ( we do have documentation to prove this ), at XXXX at a branch in XXXX XXXX TN, my drivers license and debit card were used to access our Regions Bank account and {$650.00} was taken by someone using my identity. We found this out when the transaction popped into the account the following day and we couldn't pay our rent or cell phone bill. The same day my husband reported the illegal transaction to the bank via the customer service help line and followed up with the local branch manager the following day. According to bank policy stated on their terms and conditions, they have 10 days to investigate before they need to put the " temporary '' funds into the account while they finish the investigation. Despite numerous attempts on my part, my husband 's part, the local branch manager 's part, and even the detective and security personnel involved questioning this, no further information has been provided by the bank nor have they returned the funds, even temporarily. The detective assigned to the case was able to get still photographs of the transaction through the drive through at the bank and it clearly shows a vehicle not belonging to us, registered to a woman in XXXX, TN, driven by what appears to be an older male gentleman who used my stolen identity to access my account. Nobody involved can figure out why the bank is refusing to give us answers and give us our money back. We are on business day 15 since the theft without resolution and this is causing a severe financial hardship for my husband and I. I am attaching the preliminary police report below and the fraud claim number from the bank is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 377XX
Submitted Via: Web
Date Sent: 2022-03-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A