|
10622734
|
2024-10-30
|
Managing an account
|
Checking or savings account
|
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
REGIONS FINANCIAL CORPORATION
|
| Product |
Checking or savings account
|
| Sub Issue |
Problem accessing account
|
| Sub Product |
Other banking product or service
|
| Date Received |
2024-10-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-30
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I am writing to express my deep concern regarding the inadequate handling of an issue involving the tokenization of my bank card for use with XXXX XXXX. The lack of accountability and communication among Regions Bank, XXXX, and XXXX is alarming and raises serious questions about their operational processes and customer service.
On XX/XX/year>, after creating a new XXXX account due to issues with XXXX XXXX syncing, I attempted to add my Regions Bank card to XXXX Pay. However, I encountered an error message instructing me to contact my card issuer. My subsequent interactions with Regions Bank, XXXX, and XXXX revealed a cycle of finger-pointing and misinformation. Regions informed me that XXXX was blocking my card without a clear reason, while XXXX claimed it was Regions ' responsibility. XXXX confirmed that the issue was between XXXX and Regions.
Despite multiple communications, including a three-way call with XXXX and Regions, I received conflicting information and no resolution. This lack of cooperation and problem-solving ability is concerning and suggests a systemic flaw that could impact their other operations.
As a customer of Regions Bank for nearly a decade, it is unacceptable that I am denied access to a service I should be able to use. The digital payment service is crucial for my needs, and the situation breaches the service I am entitled to. Furthermore, the suggestion to purchase a new device as a solution is financially insensitive and dismissive of the issue. Customer service agents ' reluctance to file formal complaints and their attempts to dissuade me by suggesting my complaint lacks substantiation are unacceptable.
I urge the Consumer Financial Protection Bureau to investigate this issue thoroughly. The lack of a coherent system for resolving such issues, alongside evident miscommunication, raises serious concerns about the accountability and transparency of these financial institutions.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10747842
|
2024-11-10
|
Problem with a purchase or transfer
|
Prepaid card
|
|
| Tags |
Servicemember
|
| Issue |
Problem with a purchase or transfer
|
| Timely |
Yes
|
| Company |
REGIONS FINANCIAL CORPORATION
|
| Product |
Prepaid card
|
| Sub Issue |
Card company isn't resolving a dispute about a purchase or transfer
|
| Sub Product |
Payroll card
|
| Date Received |
2024-11-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-11
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I have had fraud on this account and the company is claiming they do not have evidence to support my claim and will not refund my money. I noticed a problem in XX/XX/XXXX when logging in online. I called the company and they told me there was an issue and to call my employer to allow me to sign on. They also said the current card I had ending in XXXX was reported lost. I told them I still had the card in my possession and did not report it lost. At that time I stopped all future direct deposits and requested a new card. The card never arrived. I then received a new card from my employer on XX/XX/XXXX because a new other card never arrived. The card ends in XXXX. I tried to use my card on XX/XX/XXXX and it was rejected. I called and discovered all my money was gone. The company told me the purchases were made with card ending in XXXX. I stated it was not me as I was never in possession of that card. I tried to file a dispute on XX/XX/XXXX but was told I had to wait 7 days. I was able to file the dispute XX/XX/XXXX. Comdata sent me an email on XXXX stating no evidence to support my claim. I have requested the documentation and have not received it yet. I do not even know what " evidence '' they have to support that these transactions were made by me. You will see the number of times someone got into my account or called Comdata to change the address to Florida and PA. I do not and never lived in these states. I have only lived in XXXX. The transactions and fees related to this fraud are : XXXX : {$25.00} XX/XX/XXXX : {$25.00} XX/XX/XXXX. {$.00} ( there are XXXX transactions for this amount on this day ) XX/XX/XXXX : {$.00} XX/XX/XXXX : {$16.00} ( includes a XXXX fee ) XX/XX/XXXX : {$990.00} ( includes a {$3.00} fee ) Total : {$1000.00} They did refund me {$25.00} but not sure what for. However, the current balance in the account is {$23.00}. Not sure how it is less then the {$25.00} refunded.
Comdata 's security measures as utterly pathetic. They only ask for a card number and date of birth when you call in.
I did not make these purchases and want my money back. I am a single mother with XXXX XXXX and feel victimized not only by the person ( s ) who have stolen my money but also by Comdata.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7051006
|
2023-06-01
|
Managing an account
|
Checking or savings account
|
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
REGIONS FINANCIAL CORPORATION
|
| Product |
Checking or savings account
|
| Sub Issue |
Problem using a debit or ATM card
|
| Sub Product |
Checking account
|
| Date Received |
2023-06-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-01
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Since 2022 im not being abble to use my debit card Visa, all transactions are being rejected. I being calling the bank, chatting and also speaking with my branch about this issue and the answer is always we will send you a new debit card and pin. I have like XXXX debit cards and all have the same issue, transaction declined. Also the last representative told me that my account was frozen for non use, so I was instructed to make a XXXX transfer to unfroze the account. I did that and the problem remains the same.
My account was locked due " security '' reasons on XX/XX/2022, same date when the issues started. The account was unlocked a couple of weeks before.
Today XX/XX/XXXX I was chatting by a teammember to fix this issue, they closed 2 of the 4 debit cards I have active, but the problem remains the same
|
| Consumer Consent Provided |
Consent provided
|
|
|
5820907
|
2022-07-28
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Tags |
Older American
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
REGIONS FINANCIAL CORPORATION
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-07-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-07-28
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
A roofing salesperson ran my credit report ( hard credit check ) through Enerbank without my written consent. Enerbank violated my FCRA rights by allowing a credit report to be pulled without verifying that I provided written consent.
I complained to the company - who sent me a letter saying that the loan application was cancelled. I never applied for a loan. Enerbank who also used the name XXXX XXXX, pulled a credit report and opened a loan account without my consent.
As a result, my credit score dropped - which will impact my ability to get credit or favorable pricing on future legitimate applications.
This practice must be stopped.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7023102
|
2023-05-24
|
Problem when making payments
|
Payday loan, title loan, or personal loan
|
|
| Tags |
Older American
|
| Issue |
Problem when making payments
|
| Timely |
Yes
|
| Company |
REGIONS FINANCIAL CORPORATION
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Installment loan
|
| Date Received |
2023-05-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-05-24
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I have a loan with EnerBank ( Now Regions bank ) for my solar panels.
XXXXm paying with autopay. Theyve changed their autopay system and charged me {$260.00} twice on XX/XX/XXXX.
I spoke to XXXX ( XXXX min wait ) on XX/XX/XXXX, she resolved the duplicate recurring payment issue but said I would receive a call within XXXX hours for refund of duplicate payment.
This call never came. I called again XX/XX/XXXX ( XXXX min wait ). Spoke to XXXX she assured me I would get a call.
Its now XX/XX/XXXX. There is no way to speak to a manager. Apparently the only way to speak to a manager is to wait for their call which never comes.
Banks shouldnt be allowed to do this. This should have been resolved on my first call.
The bank should be fined for the inability to resolve complaints.
The bank has no incentive to resolve this, or to prevent it from happening in the first place. Of course if I owed them money things would be different.
By the way I tried to resolve this online with a form - got no response.
Tried to use their text system, it doesn't work with XXXX customers.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6533090
|
2023-02-02
|
Managing an account
|
Checking or savings account
|
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
REGIONS FINANCIAL CORPORATION
|
| Product |
Checking or savings account
|
| Sub Issue |
Problem accessing account
|
| Sub Product |
Checking account
|
| Date Received |
2023-02-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-02-02
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Since around one month ago I lost my access to my online banking, it says locked account. When I call customer service they just said '' we cant verify you, go to a branch '' without any explanation or solution. Im not XXXX XXXX XXXX XXXX, I live in XXXX and I travel often to the US. I opened this account with my passport.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10854971
|
2024-11-20
|
Fraud or scam
|
Money transfer, virtual currency, or money service
|
|
| Tags |
Older American, Servicemember
|
| Issue |
Fraud or scam
|
| Timely |
Yes
|
| Company |
REGIONS FINANCIAL CORPORATION
|
| Product |
Money transfer, virtual currency, or money service
|
| Sub Product |
Money order, traveler's check or cashier's check
|
| Date Received |
2024-11-20
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-20
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
4007659
|
2020-12-13
|
Struggling to pay mortgage
|
Mortgage
|
|
| Issue |
Struggling to pay mortgage
|
| Timely |
Yes
|
| Company |
REGIONS FINANCIAL CORPORATION
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2020-12-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-12-13
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I XXXX XXXX, have exhausted all other remedies to resolve an issue with Regions Bank that should be classified as XXXX in nature. The forensic accounting will prove my position, and at all times I should have been granted a written contractual arrangement of forbearance during the initial stages of Covid-19 Pandemic in the state of New York. Both I and my husband are hard working professionals in the XXXX community. I handle XXXX XXXX for The XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. My work is mostly from my home in XXXX, New York. My husband is an XXXX XXXX XXXX that was laid off for a number of months, this along with me XXXX XXXX in XXXX triggered the possibility of taking advantage of a multi-month forbearance agreement with Regions Bank. Accordingly, I will show how Regions Bank is causing me and my husband an unjustified financial hardship, even though we both have maintained our lives in the most astute professional manner possible. We are raising a XXXX-year XXXX child that needs a better living environment and I have XXXX XXXX from XXXX that warrants the same including contracting the XXXX again. We are now being denied a mortgage on a single-family home located in XXXX, New Jersey. This is all the fault of Regions Bank, and the Federal Trade Commission, the Consumer Financial Protection Bureau, the XXXX XXXX XXXX XXXX and the Department of Financial Services state of New York should take a large overview investigation into the improper banking and credit reporting practices of Regions Bank. The attached forensic outline will prove that not only did Regions Bank enter into a forbearance agreement without written guidelines, but they are in violation of their subscriber agreement with all three pertinent credit reporting agencies. My argument is solid and I will file suit for damages if necessary. As a professional XXXX woman, I find the tactics used by Regions Bank highly discriminatory, and this FDIC insured bank should be investigated into all complaints pertaining to Care Act violations. The actions of Regions Bank are probably very large throughout minority communities, and as the record will show, the bait and switch actions will cause a disparate impact upon the XXXX community. The breakdown of what transpired is as follows : 1 ) After receiving a letter from Regions Bank about the Care Act, and my husband had recently been laid off from his job, I called Regions Bank in XX/XX/XXXX to request additional information 2 ) All communications were verbal, and I was offered a minimum of five-months forbearance and potentially more. I was not offered a written agreement, even if through an e-signature agreement to validate a contractual relationship between the parties. No contract was ever offered, even though any modification on payments requires written authorization by state of New York Department of Financial Services guidelines.
XXXX ) It was on XX/XX/XXXX at XXXX XXXX with one of the many representatives I had to work with at Regions, this person named XXXX, I was granted an extension of forbearance up to XX/XX/XXXX. The conversation was recorded and can be verified.
4 ) Upon an initial agreement to stop mortgage payments, my payment methods through online service of Regions Bank were cut off. It was my understanding from conversations with my representative at Regions Bank that the payment method would be initiated once Regions made a final decision as to how long the forbearance would continue. Please be aware that after my husband returned to work in XX/XX/2020, and I had at all times enough financial reserves to make my mortgage payments, but I needed a financial cushion while my husband was out of work. I was also recovering from XXXX in XX/XX/XXXX, but self-quarantined at home.
5 ) Attached mortgage statements from Regions Bank dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX shows all payments current without overdue payments. Initial forbearance payment ceased XX/XX/XXXX, as shown on the XX/XX/XXXX statement, overdue payments of {$2700.00}. My forbearance was in place without any written communication between myself and Regions Bank.
6 ) A letter from Regions Bank states that I would not have to make a payment until XX/XX/XXXX.
7 ) The XX/XX/XXXX statement shows past due payments of {$13000.00}, proving that my forbearance plan was intact. The XX/XX/XXXX statement shows a past due of {$2700.00}.
8 ) Extension of plan to include payments up to XX/XX/XXXX granted on XX/XX/XXXX, and all methods of paying on my account online was shut down by Regions Bank, as they claimed on recorded conversations that my payment process would be reinstated once the forbearance period ended.
9 ) After multiple letters from Regions, and a cross reference from additional Regions representatives, I was advised to pay the mortgage current with a payment over the phone of {$8300.00} on XX/XX/XXXX. Regions was stacking the cards against me, forcing me to accept new terms, even though verbally I was granted an extension up to XX/XX/XXXX.
XXXX ) I believe that Regions on its merits was trying to do a good thing for their customers during the Pandemic, but was most likely overwhelmed with thousands of forbearance requests at the same time. Therefore, I am not making a claim that one or several individuals were intentionally trying to ruin my overall creditworthiness. The end result however will prove otherwise. Since XX/XX/XXXX, I was granted a forbearance extension up to XX/XX/XXXX.
11 ) I am now showing a one-time 30-day late payment history that can not be justified. This late payment is ruining my chances to move me and my son to a safer and healthier environment. However, I believe in the interest of justice a compromise can be reached. That compromise is as follows : Regions accept the XX/XX/XXXX forbearance term, apply my 4 payments that will be inclusive up to the XX/XX/XXXX payment, and Regions carry the forbearance balance to be paid off over the next 24-months, and not carried on the back end of the mortgage. A short-term modification agreement will be acceptable to me and my husband.
Our credit rating will go back to PAID NEVER LATE.
Our attorney will be fully involved in the transaction. We have no desire for litigation.
I will file this complaint to several federal governing agencies as previously stated, and hereby request an expedited clearance of this serious matter.
XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
3052128
|
2018-10-20
|
Fees or interest
|
Credit card or prepaid card
|
|
| Issue |
Fees or interest
|
| Timely |
Yes
|
| Company |
REGIONS FINANCIAL CORPORATION
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Problem with fees
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2018-10-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-10-25
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
This complaint is referring to the last two times my wife, XXXX XXXX, paid the XXXX XXXX XXXX XXXX XXXX XXXX through the XXXX XXXX XXXX XXXX ( XXXX XXXX ) online bill pay service to XXXX XXXX XXXX which is operated by XXXX XXXX XXXX XXXX, XXXX. The due dates relevant to this case are XX/XX/2018 and XX/XX/2018. The balance on the statement due XX/XX/2018 was {$200.00}. The balance on the statement due XX/XX/2018 was {$320.00}. The statement balances were paid in full both times.
For the bill due XX/XX/2018, my wife requested a payment for {$200.00} to be sent through XXXX XXXX online bill pay to be received by XX/XX/2018. The check # XXXX was mailed by XXXX XXXX on XX/XX/2018, and the check was delivered and the money was withdrawn from the account on XX/XX/2018. However, XXXX did not post the payment until XX/XX/2018, five days after the due date. A late fee of {$75.00} plus a {$7.00} default interest charge were charged to the credit card account.
For the bill due XX/XX/2018, my wife requested a payment for {$320.00} to be sent through XXXX XXXX online bill pay to be received by XX/XX/2018. The check # XXXX was mailed by XXXX XXXX on XX/XX/2018, and the check was delivered and money was withdrawn from the account on XX/XX/2018. However, XXXX did not post the payment until XX/XX/2018, two days after the due date. A late fee of {$75.00} plus a {$7.00} default interest charge were charged to the credit card account.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2857674
|
2018-03-28
|
Getting the loan
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Getting the loan
|
| Timely |
Yes
|
| Company |
REGIONS FINANCIAL CORPORATION
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Installment loan
|
| Date Received |
2018-03-28
|
| Submitted Via |
Referral
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-03-28
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
2581593
|
2017-07-21
|
Trouble during payment process
|
Mortgage
|
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
REGIONS FINANCIAL CORPORATION
|
| Product |
Mortgage
|
| Sub Product |
Home equity loan or line of credit (HELOC)
|
| Date Received |
2017-07-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-07-21
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
OVERVIEW : I am a former home equity line of credit ( HELOC ) customer of Regions Bank. I have satisfied the HELOC in full on XX/XX/XXXX and Regions Bank confirmed this via their attorneys XXXX, XXXX XXXX XXXX, XXXX, as well as by refunding me overpayment check but Regions has yet to satisfy/release the mortgage they put on my home preventing me from refinancing my home at another bank. It has been four months and Ive tried to contact Regions multiple times but keep getting the run-around and cant even get them to call me back/write me back/assist in this matter at all! Background & Details : I first obtained a HELOC from XXXX XXXX XXXX XXXX in the amount of {$300000.00} with my wife on XX/XX/XXXX and they subsequently recorded a mortgage against my home in the same amount ( ATTACHMENT 1 ). In the years since, this HELOC has been extended several times and sold/transferred to several different banks until finally landing at Regions Bank.
I was discussing renewing this HELOC with Regions Bank loan officer when I received via mail ( ATTACHMENT 2 ) on XX/XX/XXXX that the loan was due/past maturity and Regions was calling my loan due for total outstanding amount. After discussing with their law firm XXXX, XXXX XXXX XXXX, XXXX, I decided to pay Regions back in full and made full payment amount of {$300000.00} ( ATTACHMENT 3 ) on XX/XX/XXXX. XXXX, XXXX XXXX XXXX, XXXX. sent me confirmation ( ATTACHMENT 4 ) that they had received the payoff and that their legal file was closed out due to the pay off of the loan. They subsequently informed me via telephone that Regions Bank would satisfy my mortgage and remove it from title of my property. Regions then sent me via mail a cashiers check for {$98.00} ( ATTACHMENT 5 ) stating OVERPAYMENT OF LOAN on XX/XX/XXXX signaling their receipt and closing out of the loan. Please note that the loan number on original notice of payment from Regions, wire confirmation from my Bank, confirmation letter from law firm & overpayment check from Regions all match as same. Since XX/XX/XXXX, I have made no less than 10 calls to Regions Bank asking for them to release their mortgage on my property so I can refinance my home but each call has failed and they can not even refer me to their loan satisfaction department.
Any assistance you can give me to resolve this situation with Regions Bank would be greatly appreciated. Thank you in advance for your help.
|
| Consumer Consent Provided |
Consent provided
|
|
|
816902
|
2014-04-21
|
Account opening, closing, or management
|
Bank account or service
|
|
| Issue |
Account opening, closing, or management
|
| Timely |
Yes
|
| Company |
REGIONS FINANCIAL CORPORATION
|
| Product |
Bank account or service
|
| Sub Product |
Checking account
|
| Date Received |
2014-04-21
|
| Submitted Via |
Referral
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-04-24
|
| Consumer Consent Provided |
N/A
|
|
|
146862
|
2012-09-05
|
Deposits and withdrawals
|
Bank account or service
|
|
| Issue |
Deposits and withdrawals
|
| Timely |
Yes
|
| Company |
REGIONS FINANCIAL CORPORATION
|
| Product |
Bank account or service
|
| Sub Product |
Checking account
|
| Date Received |
2012-09-05
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2012-09-07
|
| Consumer Consent Provided |
N/A
|
|
|
841943
|
2014-05-07
|
Deposits and withdrawals
|
Bank account or service
|
|
| Issue |
Deposits and withdrawals
|
| Timely |
Yes
|
| Company |
REGIONS FINANCIAL CORPORATION
|
| Product |
Bank account or service
|
| Sub Product |
Checking account
|
| Date Received |
2014-05-07
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-05-09
|
| Consumer Consent Provided |
N/A
|
|
|
7868818
|
2023-11-17
|
Problem when making payments
|
Payday loan, title loan, personal loan, or advance loan
|
|
| Issue |
Problem when making payments
|
| Timely |
Yes
|
| Company |
REGIONS FINANCIAL CORPORATION
|
| Product |
Payday loan, title loan, personal loan, or advance loan
|
| Sub Product |
Personal line of credit
|
| Date Received |
2023-11-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-11-17
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
A previous complaint was filed with the CFPB on XX/XX/XXXX ( XXXX ) where nothing has changed with this XXXX predatory lending behavior. I am requesting the original complaint to be reviewed and this new complaint to be investigated. In the original complaint the status states CFPB referred complaint to another government agency on XX/XX/XXXX. I never heard from anyone and upon research XXXX behavior has escalated from the XXXX of complaint I have read.
Since my last complaint, I have continued to make all payments on time and have asked for a financial hardship since and was given minimal assistance for example being able to skip a monthly payment. What was occurring is never once did I receive a monthly, quarterly, or yearly statement only a coupon book. When I would to inquire about assistance due to financial hardship from a XXXX only then I would find out the balance. Most recently as my last coupon book was ending, I was told they were no longer going to be sending coupon books that I would receive monthly statements.
XX/XX/XXXX, I called customer service and inquired about why I have not received my monthly statement that being I had no more coupons and that I had not received any statements. I also then requested to speak with someone about my ongoing financial hardship where the woman who I spoke to when into this filibuster rhetoric that I already was given a one-month grace period this year and that was all that could be done. When explaining on how there should be more options, she kept talking over me, not letting me finish my sentence became rude, argumentative, and hung up the phone. I called back and left a message for a supervisor to review the recording of the conversation and to call me.
On XX/XX/XXXX, I thought a payment was due XX/XX/XXXX and had yet to receive a statement. I was informed a payment was due that day which while on the phone immediately made the payment for the two loans. It was then, I requested a supervisor because of the last conversation where I was told one would call me. I responded again to have the supervisor review the recording of the last conversation. Again, never received a call back.
On XXXX, XXXX I received only a statement for only one of the two loans dated XX/XX/XXXX. I then called again and first informed the customer service person that I only received a statement for XXXXne of my loans. I informed the customer service that I was supposed to receive a call back from a supervisor and yet to receive one. I then informed the representative that the statement was showing a {$30.00} late charge and in fact the XX/XX/XXXX payment which was received on XX/XX/XXXX within the grace period after this XX/XX/XXXX statement was generated so it should be removed.
I then on XX/XX/XXXX, called again to confirm the late charge was removed which I was informed it was, that I have yet to receive the statement for the second loan and for the supervisor who was going to review the original conversation to call me.
I am requesting audit of my account because XXXX has a history of charging interest on the money already paid back on their loans. This would explain why my balance on the loans which I have been paying since XXXX is so high. I am to the point where even though I do not wish to have my credit score effected will stop making payments, let it go to collections, and have the court sort it out.
It is my hope that this time the CFPB will vigorously investigate this complaint and not refer it to another governmental agency which did not resolve this matter. I have attached three links where you can review the XXXX of complaints against XXXX and their predatory lending practices.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| Consumer Consent Provided |
Consent provided
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7225657
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2023-07-09
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Managing an account
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Checking or savings account
|
|
| Tags |
Older American
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
REGIONS FINANCIAL CORPORATION
|
| Product |
Checking or savings account
|
| Sub Issue |
Problem accessing account
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| Sub Product |
Checking account
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| Date Received |
2023-07-09
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2023-07-10
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| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
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9863252
|
2024-08-20
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Getting the loan
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Payday loan, title loan, personal loan, or advance loan
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|
| Tags |
Older American, Servicemember
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| Issue |
Getting the loan
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| Timely |
Yes
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| Company |
REGIONS FINANCIAL CORPORATION
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| Product |
Payday loan, title loan, personal loan, or advance loan
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| Sub Product |
Installment loan
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| Date Received |
2024-08-20
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| Submitted Via |
Phone
|
| Company Response |
Closed with monetary relief
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| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-20
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
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6842670
|
2023-04-15
|
Closing on a mortgage
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Mortgage
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|
| Issue |
Closing on a mortgage
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| Timely |
Yes
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| Company |
REGIONS FINANCIAL CORPORATION
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| Product |
Mortgage
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| Sub Product |
Other type of mortgage
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| Date Received |
2023-04-15
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| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2023-04-15
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
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| Complaint What Happened |
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
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| Consumer Consent Provided |
Consent provided
|
|
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8202647
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2024-01-22
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Improper use of your report
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Credit reporting or other personal consumer reports
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|
| Issue |
Improper use of your report
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| Timely |
Yes
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| Company |
REGIONS FINANCIAL CORPORATION
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| Product |
Credit reporting or other personal consumer reports
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| Sub Issue |
Reporting company used your report improperly
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| Sub Product |
Credit reporting
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| Date Received |
2024-01-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-22
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
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| Complaint What Happened |
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
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| Consumer Consent Provided |
Consent provided
|
|
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8123312
|
2024-01-08
|
Managing an account
|
Checking or savings account
|
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
REGIONS FINANCIAL CORPORATION
|
| Product |
Checking or savings account
|
| Sub Issue |
Problem using a debit or ATM card
|
| Sub Product |
Checking account
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| Date Received |
2024-01-08
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-08
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
3670258
|
2020-05-26
|
Managing an account
|
Checking or savings account
|
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
REGIONS FINANCIAL CORPORATION
|
| Product |
Checking or savings account
|
| Sub Issue |
Problem accessing account
|
| Sub Product |
Other banking product or service
|
| Date Received |
2020-05-26
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-05-27
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
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1286668
|
2015-03-17
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Account opening, closing, or management
|
Bank account or service
|
|
| Issue |
Account opening, closing, or management
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| Timely |
Yes
|
| Company |
REGIONS FINANCIAL CORPORATION
|
| Product |
Bank account or service
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| Sub Product |
Other bank product/service
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| Date Received |
2015-03-17
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2015-03-18
|
| Consumer Consent Provided |
N/A
|
|
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3542062
|
2020-02-24
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Fraud or scam
|
Money transfer, virtual currency, or money service
|
|
| Tags |
Older American
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| Issue |
Fraud or scam
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| Timely |
Yes
|
| Company |
REGIONS FINANCIAL CORPORATION
|
| Product |
Money transfer, virtual currency, or money service
|
| Sub Product |
Domestic (US) money transfer
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| Date Received |
2020-02-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-02-24
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
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| Consumer Consent Provided |
Other
|
|
|
432311
|
2013-06-14
|
Collection practices
|
Credit card
|
|
| Issue |
Collection practices
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| Timely |
Yes
|
| Company |
REGIONS FINANCIAL CORPORATION
|
| Product |
Credit card
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| Date Received |
2013-06-14
|
| Submitted Via |
Web
|
| Company Response |
Closed
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2013-07-08
|
| Consumer Consent Provided |
N/A
|
|
|
4523496
|
2021-07-08
|
Fraud or scam
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Money transfer, virtual currency, or money service
|
|
| Issue |
Fraud or scam
|
| Timely |
Yes
|
| Company |
REGIONS FINANCIAL CORPORATION
|
| Product |
Money transfer, virtual currency, or money service
|
| Sub Product |
Domestic (US) money transfer
|
| Date Received |
2021-07-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-07-08
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I was scammed by someone I meet on XXXX. The scammer had previously ordered checks in my name under Regions account. On XX/XX/21, the scammer requests me to wire money to a Regions account.
Account Name : XXXX XXXX XXXX Account number XXXX routing numberXXXX I am not a regions bank customer. Region bank customer refuses to take my request to freeze the customer account because they are not allowed to pull the account up. Customer service requests me to go online to file a complaint. Regions Bank bank lack area in their website to report fraud against regions customer.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2424508
|
2017-04-07
|
Loan servicing, payments, escrow account
|
Mortgage
|
|
| Issue |
Loan servicing, payments, escrow account
|
| Timely |
Yes
|
| Company |
REGIONS FINANCIAL CORPORATION
|
| Product |
Mortgage
|
| Sub Product |
Other mortgage
|
| Date Received |
2017-04-07
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2017-04-07
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
1576239
|
2015-09-23
|
Account opening, closing, or management
|
Bank account or service
|
|
| Tags |
Older American
|
| Issue |
Account opening, closing, or management
|
| Timely |
Yes
|
| Company |
REGIONS FINANCIAL CORPORATION
|
| Product |
Bank account or service
|
| Sub Product |
Savings account
|
| Date Received |
2015-09-23
|
| Submitted Via |
Referral
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-09-25
|
| Company Public Response |
Company chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
1207114
|
2015-01-23
|
Closing/Cancelling account
|
Credit card
|
|
| Issue |
Closing/Cancelling account
|
| Timely |
Yes
|
| Company |
REGIONS FINANCIAL CORPORATION
|
| Product |
Credit card
|
| Date Received |
2015-01-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-02-02
|
| Consumer Consent Provided |
N/A
|
|
|
2244612
|
2016-12-11
|
Shopping for a loan or lease
|
Consumer Loan
|
|
| Issue |
Shopping for a loan or lease
|
| Timely |
Yes
|
| Company |
REGIONS FINANCIAL CORPORATION
|
| Product |
Consumer Loan
|
| Sub Product |
Vehicle loan
|
| Date Received |
2016-12-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-12-11
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3497932
|
2020-01-16
|
Getting the loan
|
Payday loan, title loan, or personal loan
|
|
| Issue |
Getting the loan
|
| Timely |
Yes
|
| Company |
REGIONS FINANCIAL CORPORATION
|
| Product |
Payday loan, title loan, or personal loan
|
| Sub Product |
Installment loan
|
| Date Received |
2020-01-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-01-16
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
XXXX XXXX XXXX XXXX utilizes XXXX which is a correspondent of Regions Bank, N.A. We were approved through XXXX in order to finance the project. XXXX sent a Truth in Lending disclosing the amount approved which was XXXX Upon completion of the project, XXXX sent XXXX a bill for the completed project of XXXX. XXXX never redisclosed for the amount of the completed project which was the actual amount borrowed. Instead, they starting sending out a bill for simple interest. Never re-disclosing what the payments would be after the loan recast for the correct amount. I know the regs are different for every state and maybe they didn't have to send out a Truth-in-Lending with the correct figures. Maybe this time, it slipped through the cracks ; however, all the cracks were filled with the New Regs. Reg Z, X and Dodd Frank. I thought Lenders were operating above board. Regions can't claim ignorance in this and any case.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6333790
|
2022-12-17
|
Trouble during payment process
|
Mortgage
|
|
| Tags |
Servicemember
|
| Issue |
Trouble during payment process
|
| Timely |
Yes
|
| Company |
REGIONS FINANCIAL CORPORATION
|
| Product |
Mortgage
|
| Sub Product |
Conventional home mortgage
|
| Date Received |
2022-12-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-17
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
