Consumer complaint received 2020-05-27
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Hello, thank you for your assistance in this matter. I have reached out ti the company XXXX XXXX XXXX XXXX XXXX, and they tell me to contact XXXX XXXX, and when I contact XXXX XXXX they tell me to contact the XXXX XXXX XXXX XXXXXXXX XXXX. I contacted my bank to dispute the charge, but they can't help me because the company won't do anything to give me my money back, so that's why I am communicating with you now. Here is the email communication from myself to both XXXX XXXX and XXXX XXXX. I would've never paid the {$75.00} application fee if I was going to be denied, ,it is a waste of money, and I work hard for my money, and have just been terminated from my job..the office staff XXXX lied to me about disputing a denial. All I want is my {$75.00} back, please. Thank you for all your help From : XXXX XXXX XXXX Sent : Friday, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX XXXX Subject : [ EXTERNAL ] Hello XXXX, here is more of the communication..thank you ; ) [ External Content ] Please use caution. 
Hello XXXX, hope you are doing well. XXXX XXXX here, and I was following up on the status of my {$75.00} application fee refunded back to me. I had met with XXXX, back in XXXX, and looked at the XXXX  XXXX in XXXX  XXXX. I explained to him about my situation of having to file bankruptcy two times within 3 months, based on dealing with an HOA issue that I explained in my short story to you, and XXXX of Consumer Request, at the beginning of the month. I wouldve never paid {$75.00} knowing that from the beginning. Once I did pay, and the results came back he told me that I could dispute it, and write a letter explaining the details, in which I did..and spoke to XXXX and tried to get ahold of  you, but you just responded by email. HE LIED TO ME, based on the conversation with XXXX, they wouldve never considered my letter for reversal of the decision when dealing with a bankruptcy, no matter what the reason was. That is not right, unethical business practices, and I am a Protected Veteran. Based on this new way of life with the COVID-19, I would be most grateful for you doing the right thing, and making me whole. With your due diligence in refunding me what I am entitled to, my {$75.00}, ASAP. Thank you for everything. 

Regards, XXXX XXXX Sent from my XXXX On XXXX XXXX, XXXX, at XXXX, XXXX XXXX XXXX   XXXX wrote : Hi XXXX, I know that XXXX spoke with you yesterday, but I wanted to reach out to you personally. I am sorry that your application was denied, however, we do not have the ability to override denials. The only thing you could do is call resident verify to dispute any inaccurate information if something was not reported correctly. I hope you find a wonderful home and be safe during this trying time. 



Best wishes, XXXX XXXX Senior Manager XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX | Fax : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX | XXXX, FL XXXX Phone : XXXX | Fax : XXXX XXXX <image001.jpg> Confidentiality Notice ... ... .This email, including any attached files, may contain confidential and privileged information for the sole use of the intended recipient ( s ). Any review, use, distribution, or disclosure by others is strictly prohibited. If you are not the intended recipient ( or authorized to receive information for the recipient ), please contact the sender by reply email and delete all copies of this message. Thank you. 



From : XXXX XXXX XXXX Sent : Sunday, XX/XX/XXXX XXXX XXXX  To : XXXX Cc : XXXX XXXX XXXX XXXX Subject : XXXX XXXX request for reconsideration of approval *** External Email : This message originated from outside of the organization. Do not click on links or open attachments unless you recognize the sender and know the content is safe. *** Hello, and good evening to all. Happy XXXX XXXX and hope you all have a blessed Holy Week. 

My name is XXXX XXXX, and I wanted to take a moment to thank you for taking my application for XXXX XXXX XXXX XXXX to become a New Resident. I understand that I was denied based on credit, and I wanted to share with you a little about myself, why my credit is an issue, and how I would like you to reconsider the denial made, and to accept me as a New Resident of XXXX XXXXXXXX XXXXXXXX XXXX.. 

Again, my name is a XXXX XXXX, and I am a Veteran of the XXXX XXXX. Back in XXXX, we were victims of Fraud, Robo-signing, and Improper Foreclosure Proceedings..it became a 4 year legal battle with XXXX and thanks be to God, we won and saved our property, and had the mortgage remodified. Later went through a divorce, and I am a single father. We had an HOA issue, that for years they put a lien on our property, based on the drama with XXXX. 

Back in XX/XX/XXXX, they claimed for the money past due, and took us to court. They were not willing at that time to negotiate, so through the courts they set up a date to legally steal our property on XX/XX/XXXX at XXXX XXXX. After consulting with some people, I filed a skeleton bankruptcy on the morning of XX/XX/XXXX, at XXXX with the Feds, and literally ran to the State Courthouse, and filed the docs with them by XXXX, and at XXXX the XXXX legal steal was canceled, thanks be to God. I tried to negotiate again with the HOA, and dismissed my bankruptcy at 14 days..they were unwilling to negotiate on my terms after 45 days, so they filed again with the courts to attempt to legally steal my property again. Since I filed bankruptcy and dismissed it, I had a time frame of 180 days, if I ever needed to do it again..so there was another legal steal date that they set through the courts for XX/XX/XXXX at XXXX, and on XX/XX/XXXX at XXXX, I went to the Federal Courthouse and filed bankruptcy again. Then, I literally ran again to the State Courthouse, and at XXXX I filed the documents, and once again at XXXX the legal steal date for XXXX was cancelled. I never wanted to file bankruptcy in the first place, yet alone twice in 3 months, but it was the only way I could save my property. 

So here we are XXXX, we are finally selling the property, and I need a place to live for myself. I started looking at XXXX XXXXXXXX back in XX/XX/XXXX, and submitted application with my {$75.00} on Friday XX/XX/XXXX, to call this property my New Home. My plan is to move in on Friday, XX/XX/XXXX, which happens to be Good Friday. It would be a blessing For Me to be approved to move in on Friday, and take this XXXX   XXXX off the market, and to be held for me, until I move in with your blessings. 

Below I have attached the letter of denial, as well as the credit report, and I received a Move Out Statement which is weird because I Havent even moved in yet..the dates are perfect, and I would love to call XXXX XXXX XXXX XXXX , My New Home. 

Also to share a little more about me..I am also a writer, and have written a few books, and my most recent Book has been released back in XX/XX/XXXX. It is called XXXX  XXXXXXXX XXXX XXXX, and was submitted to XXXX University for XXXX  XXXX XXXX, and is available online at XXXX , XXXX XXXX XXXX, and other places online. I would love to tell others about what XXXX  XXXX XXXX XXXX has done for me. Thanks again for your due diligence in this matter, and I look forward to calling XXXX  XXXX XXXX XXXX, My New Home. Have a blessed week. 



Respectfully, XXXX XXXX XXXX Date Of Notice : XXXX XXXX, XXXX Property Name : XXXX  XXXX XXXX XXXX Ref # XXXX Dear XXXX, Thank you for your application for residency with XXXX  XXXX XXXX XXXX. 

We have carefully considered your application but we will not be able to rent to you at this time. 

Please contact XXXX XXXX directly for questions about the Denial. If you have remaining questions about your application, please contact our leasing office at ( XXXX ) XXXX. 

Reason for Denial : XXXX XXXXy XXXX XXXX  XXXX XXXX XXXX, UT XXXX P : 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 explanation