Consumer complaint received 2023-07-18
Company: REGIONS FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2023 I was contacted via email by XXXX XXXX employee from XXXX XXXX XXXX XXXX in regards to a fuel credit card with a balance of {$25000.00}. I immediately replied back and offered a settlement, she informed that settlements had to be submitted. On XX/XX/XXXX I received an emailed from them and agreed to settle for {$16000.00} over XXXX XXXX with first payment to start on XX/XX/2023 for {$2600.00} and last payment would be in XX/XX/2023 for {$2600.00}. On XX/XX/XXXX I contacted my representative to request a XXXX XXXX extension because I was going thru financial hardship. She accused me of lying to her, was threatening to default the stipulated agreement and threatened to file a lawsuit agains me. This was a settlement to be paid in XXXX XXXX I had informed her multiple times that I'm not refusing to pay and simply asking for a XXXX XXXXy extension to pay on XXXX. She still denied and threatened that if I don't make a payment by the end of business day of XX/XX/2023 she will default my agreement and file a lawsuit against me. She was very rude, disrespectful and aggressive. She threatened me with a lawsuit when I was only asking for a XXXX XXXX  extension. Then I called back and spoke to XXXX XXXX, he approved the extension and agreed that I make my XXXX payment on XX/XX/XXXX. I emailed a postdate check dated for XX/XX/XXXX for {$2600.00} to XXXX ( another rep ). They processed my payment, it was never returned and was successfully withdrawn from my bank. However on XX/XX/2023 ( the day before the agreed payment was withdrawn ) I received a demand email from XXXX XXXX with a complete different balance of {$19000.00} as if I never made payment arrangements or extensions. I emailed back to her to inquire about the payment and she did not responded, on XX/XX/XXXX I replied again to see what was the email about and to confirm that my payment plan is still in place and she never responded. In the mean time I called her multiple times she never returned my calls. On XX/XX/2023 I emailed again and she did not replied. Today on XX/XX/XXXX I called them to confirm that they received my XXXX 's payment and that they still have my payment agreement in place. No one was able to confirm that, instead I was threaten of a lawsuit. I politely explained the situation and wanted to a reassure that my payment arrangement is in place but then the person I spoke to stated XXXX is the one I need to speak to see if he's willing to honor the agreement considering I already made XXXX payments and had an extension from him, yet I couldn't get hold of him. The rep that I spoke to demanded that I pay additional {$5300.00} by the end of XXXX month. I told him I can't afford to pay that, and that I already made XXXX 's payment of {$2600.00}. My remaining settlement balance should only be {$5300.00} paid in XXXX XXXX since I have already paid {$10000.00}. I can not pay no more than the agreed amount. I don't appreciate the harassment, the disrespect and threats from this company. I have been honest and willing to pay since day one. I have not disrespected them I only need a confirmation of the agreed payment arrangement to make sure that in XXXX pays account will be deemed settled in full.

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