Consumer complaint received 2023-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION (IL)

My name is XXXX XXXX XXXX XXXX, of XXXX  my martial home as ordered for sale by XXXX  XXXX in XXXX XXXX XXXX. I moved out of the home at that point and repaired for sale of the home. XXXX XXXX XXXX Severn days before the close of the home sale, someone burned my home down. Not myself as Ive was the one wanting the sale of the home. The home fire claim was denied due to no occupancy for 60-days prior and aft of vandalism. The claim was denied on or around XXXX  of XXXX  and at that time I stopped making payments. XX/XX/XXXX my exude was ordered by XXXX  XXXX to provide me with a quck claim deed for the house to sell the reminder of the house and grounds. That quit claim deed is finally in shipping from my exwife to be picked up tomorrow by myself. XX/XX/XXXX Country Companies paid Regions Bank {$310000.00} and is behind held in secure escrow by regions bank. Regions bank finally got a hold of my XX/XX/XXXX and told me my mortgage was covered. The woman that called me that night, on a recorded call by Regions told me that Regions had put my mortgage in forcluser two days before calling me and they shouldnt have done that. Since XX/XX/XXXX, Regions has told me I owed the difference in principal and the {$310000.00} which is {$1600.00} roughly and to put load a letter stating Id be responsible for the difference. I wrote the letter and couldnt log into my account. Called regions and they said I then owed {$26000.00} in forclusure costs thru their attorney XXXX XXXX XXXX. Told me I had to pay {$22000.00} to get my loan current. I sent them {$22000.00} and they sent it back to me via wire and charge me {$20.00} to send back. They have told me I owed {$21000.00} XX/XX/XXXX. So I sold my fathers horse trailer and attempted to pay. I havent been serverved by Regions or the XXXX XXXX XXXX and been told by a forclusure atterney Im not in forclosure. Regions will not release the {$310000.00} to pay the mortgage off and I refuse to pay anything currently more than the difference of the principal balance and the $ XXXX on the escrow and Regions is constantly telling me something g different from their customer service, hazardous insurance department, insurance department and I was told I only owe the difference between and my home shouldnt be in forclusure nimours times. Regions is attempting to extort me for {$26000.00} and I need help!!! I have to close on this sale of this property to pay my exwife {$60000.00} and must sell the property to do so or Ill be held in contempt and my ex wife has finally sent me the quick claim paperwork I think that should arrive tomorrow after being ordered to send three times by judge XXXX. 


Updated to previous complaint. 

XX/XX/XXXX - I spoke with Regions Mortgage while having a Consumer Complaint Representative on the phone with Regions and I. That conversation was recorded by both parties, Eegions and the CFPB. The Regions Representative stated that day at in the CFPB recorded call I would only have to pay the difference between the principal balance of {$320.00}, XXXX  and {$310.00}, XXXX  and asked to be off the call. 

Today XX/XX/XXXX Regions Called at XXXX and offered to settle this issue for {$310.00}, XXXX  plus forclosure fees and forclosure lawyer fees of {$15.00}, XXXX I have never been served with forclosure paperwork, the paperwork has never been filed and yesterday XX/XX/XXXX on the record ed conversation listed above, I agreed to pay the difference of principal and escrow. I almost XXXX  XXXX  over this issue in XXXX, XXXX, and XX/XX/XXXX because I didnt know the mortgage would be covered by my insurance company and my insurance company never told me the mortgage would be covered. I had to seek counseling and it wasnt until XXXX that I felt like I didnt want to die over this issue!!!!