Consumer complaint received 2019-01-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Alabama  XXXX Telephone ( XXXX ) XXXX Email : XXXX XX/XX/XXXX To Whom It May Concern : I am writing this letter in my bequest to seek assistance in preventing Regions Bank of XXXX, Alabama from foreclosing on the home of my XXXXyear old, XXXX, XXXX XXXX mother Mrs. XXXX XXXX. 
Every now and then as I would begin to pause to compose the words in this letter to seek help, I would often find myself bewildered and began asking the question what word ascribed and written in a sentence in the various and sundry Federal Laws and the Codes of Alabama, failed to protect and provide my XXXX year old, XXXX, XXXX XXXX mother, with the requisite safeguard to avoid being an Elderly Victim? Why must we sanction such an eviction decision against the wife of a notable icon leader of the 1960s  Civil Rights Movement? Moreover, what word or words can we excerpt from the Settlement Agreement Between the United States of America Department of Justice ( DOJ ) and Regions Bank of XXXX, Alabama to sustain and demonstrate how mortgage lenders must follow established standards and guidelines. Here, we are calling attention to the following excerpt, namely : Mortgage lenders that participate in the FHA insurance program must follow the requirements intended to safeguard its integrity and to protect homeowners, said Principal Deputy Assistant Attorney General XXXX XXXX XXXX, head of the Justice Departments Civil Division. We will continue to hold responsible lenders that knowingly violate these important requirements. 
FHA-approved lenders have a responsibility to ensure that FHA-insured loans meet our standards, which are in place for the protection of FHAs insurance fund, said XXXX XXXX, HUDs General Counsel. The agreement we announce today should serve as a reminder that sustainable homeownership starts with compliance with underwriting requirements. 
This settlement resolves allegations that a financial institution, trusted to comply with FHA loan origination, underwriting and quality control requirements, failed to meet its obligations as a participant in the FHA program, said Inspector General XXXX XXXX XXXX for HUD. The banks actions impact the solvency of the FHA insurance fund. It is through the combined efforts of the Department of Justices Civil Division, the U.S. Attorneys Office for the XXXX  District of Florida, HUD and the Office of Inspector General that we continue to ensure the integrity of this important FHA program to American homeowners. ( United  States of America Department of Justice Office of Public Affairs ( XX/XX/XXXX ) https : //www.justice.gov/opa/pr/regions-bank-agrees-pay-524-million-resolve-alleged-false-claims-act-liability-arising-fha The sad and daunting failure to follow and apply established guidelines to all foreclosure procedures would invariably mean that all mothers and American families will undergo a similar, painful experience. At the present time, I dont have any money and within the past few days and weeks, I have been admitted to the hospital to address a variety of health-related matters. 
My writing this letter is an attempt to bring information about the housing and medical struggles endured by members of my American family. Moreover, such a testimony is being espoused to try and demonstrate how the Elderly, Aged and XXXX mothers in our community find themselves imbued by the way in which bad faith mortgage foreclosure decisions are being made. I believe that there were many reasons why my XXXX-year-old, XXXX, XXXX XXXX mother is about to lose her home, namely : 1.The foreclosure was done without my XXXX-year-old, XXXX, XXXX XXXX mother being informed about the use of an arbitrator or mediator to resolve the dispute. 
2. The foreclosure was done without my XXXX-year-old, XXXX, XXXX XXXX  mother being informed about the availability of various and sundry resources to prevent her home from being foreclosed. 
3. The foreclosure was done without Regions Bank informing my XXXX-year-old, XXXX, XXXX XXXX   mother about receiving help from the various and sundry legal, counseling and housing resource agencies in Alabama. 
4 The foreclosure was done without the homeowner receiving a letter from Regions Bank informing her that a decision to foreclose has been made. 
5.The foreclosure was done without the homeowner receiving a certified letter informing or notifying her about a possible past due payments or mortgage payment not being paid 6. I believe that the Regent Bank did not act in good faith and fair dealing when it foreclosed on my mothers home 7. I was told by a Regions Branch customer service employee that my line of credit was being paid every month out of a direct debit from my Regions Checking Account 8.I believe that Regions Branch did not informed me that my payments were behind, To the best of my ability, I do not recall receiving a correspondence regarding this matter. 
9.My mother has several health conditions that I believe should have been looked upon as a mitigating factor in this foreclosure issue. Such as XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX etc. ; I believe that because of her medical condition some attempt should have been made to assess the publication provided by the United States of America Department of Justice ( DOJ ) entitled Update : A Primer for State and Local Government. In this document, it stated that the Americans with Disability Act : Protects the rights of people who have a physical or mental impairment that substantially limits their ability to perform one or more major life activities, such as breathing, walking, reading, thinking, seeing, hearing, or working. It does not apply to people whose impairment is unsubstantial, such as someone who is slightly nearsighted or someone who is mildly allergic to pollen. However, it does apply to people whose disability is substantial but can be moderated or mitigated, such as someone with diabetes that can normally be controlled with medication or someone who uses leg braces to walk, as well as to people who are temporarily substantially limited in their ability to perform a major life activity. The ADA also applies to people who have a record of having a substantial impairment ( e.g., a person with cancer that is in remission ) or are regarded as having such an impairment ( e.g., a person who has scars from a severe burn ). 
Title II of the ADA applies to all State and local governments and all departments, agencies, special purpose districts, and other instrumentalities of State or local government ( public entities ). It applies to all programs, services, or activities of public entities, from adoption services to zoning regulation. Title II entities that contract with other entities to provide public services ( such as non-profit organizations that operate drug treatment programs or convenience stores that sell state lottery tickets ) also have an obligation to ensure that their contractors do not discriminate against people with disabilities ( U.S. Department of Justice Civil Rights Division Disability Rights Section, Americans With Disabilities Act ( Https : //www.ada.gov/regs2010/title_2010/title_ii_primer.html. ) I am asking for your help and assistance for my XXXX-year-old, XXXX, XXXX XXXX  mother who, is distressed, worried and concerned about losing her home due to foreclosing procedures instituted by Regions Bank. I am requesting that the foreclosure be stopped and immediately the words and language written in the various and sundry Federal Laws, Codes of Alabama and the Settlement Agreement to achieve compliance and enforcement. 
I look forward to hearing from you. If you need to contact me, I can be reached at ( XXXX ) XXXX. 
Sincerely XXXX XXXX XXXX XXXX CC