Consumer complaint received 2023-11-17
Company: REGIONS FINANCIAL CORPORATION
State: NY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief