Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am the Executrix of my fathers Estate. 
Attempts to collect debt not owed by father from Regions Bank and XXXX XXXX XXXX. I have reached out about the validity of the alleged debt through certified mail, emails, visits and phone calls. No one has verified the loan documents, this has stopped my estate process as Executrix with liens and attempted land grab of my fathers property by XXXX XXXX XXXX and XXXX XXXX XXXX with non original, unmaintained, inaccurate, eligible, fraudulent, hand tampered bank records that they can not explain nor justify to me as the Executrix. Regions bank has given four different totals for the same loan at {$42000.00}, {$44000.00}, {$44000.00}, {$46000.00} more specifics below. 

XXXX Regions Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, debt fraud, unfair deceptive acts practices violating the FTC Act & Fair Debt Collection Practices Act, breaking Alabama codes, committing perjury from XXXX XXXX Regions Bank Manager that signed affidavits for two default judgments with different amounts, two different account numbers for the XXXX XXXX XXXX, XXXX promissory loan against estate. This has created Interference with an inheritance, my contractual fiduciary Executrix duties and the Estate has been greatly delayed by this. I believe fair resolution would be to pay for damages and expenses. Ive tried to resolve this problem but Regions Bank and XXXX XXXX XXXX but they are holding to the fraudulent bank records they submitted and used for the alleged default loan in the courts. 

I am requesting that Regions Bank, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX cease and desist from any further collection activities because the debt is not properly validated. The loan documents they have presented are not the original bank loan debt, it is a hand tampered, fraudulent loan document. 

XXXX Regions sold a default judgment XXXX loan to XXXX XXXX XXXX filed a claim against my fathers XXXX & put liens on property who have filed A Motion for leave to obtain Writ of Execution on XX/XX/XXXX to take the his property without original bank records being provided to me as Executrix after multiple requests. Violation or FDCPA 806. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt 3- Regions Bankfiled two default judgmentsfiling fraudulent bank documents as evidence against my Father for the same promissory loan XXXX & XXXX for XXXX different principal & interest amounts, XXXX different account numbers hand XXXX XXXX wasillegible on loan bank document, Regions Bank then XXXX XXXX loan to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX that filed a claim against my fathers estate Breaking XXXX XXXX have not provided original entries/documents.A debt can only default once, a creditor would not be legally allowed to obtain two judgments against the same debtor. 
The creditor must prepare and maintain, accurate, legiable, current records of all charges owed by debtor & total amount owed in an understandable manner to successfully prosecute a collection lawsuit.This was not done by Regions Bank or XXXX XXXX XXXX. 

XXXX Regions Bank XXXXXXXX XXXXcommitted perjuryby signing an sworn affidavit for XXXX XXXX XXXX XXXX XXXX, XXXX for principal {$32000.00} interest {$5100.00} plus attorney fee {$4800.00} for a total of {$42000.00} default judgment XXXX XXXX, XXXX for case XXXX XXXX XXXX XXXX 3 months later XXXX XXXX, XXXX for principal {$32000.00} interest {$2000.00} attorney fees {$10000.00} for a total of {$44000.00} for default judgment filed XX/XX/XXXX for case XXXX. 
Regions Bank and XXXX XXXX on XX/XX/XXXX for principal {$31000.00} cost {$250.00} for total {$44000.00} XXXXXXXX XXXX XXXX XXXXXXXX debt for {$44000.00} from Region Bank XXXX XXXX XXXX, XXXX and files for and is granted by XXXXXXXX XXXX XXXX XXXXXXXX and filed at XXXX XXXX XXXX XXXX {$31000.00} plus court cost for a total of {$76000.00} XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX a charge off total of {$46000.00} for XXXX XXXX, XXXX in an email on XXXX XXXX, XXXX This means XXXX different amounts for the same loan file in XXXX default judgments against XXXX XXXX XXXX XXXX Regions Bank XXXX {$42000.00}, {$44000.00}, {$44000.00}, {$46000.00} and the XXXX default judgment in XXXX has a higher principal and interest amount than the XXXX default judgment filed for same loanBreakingAla. XXXX averified itemized statement signed by XXXX XXXX Regions Bank XXXX for affidavits didnt provide account correctness. 
Federal Trade Commission XXXX XXXX XXXX : Unfair or Deceptive Acts or Practices & Violations of FDCPA XXXX. False or misleading representations A debt collector XXXX not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. 

XXXX The summons that Regions Bankserved to my father doesnt match his description and is off by years I have images of him during this time and his newly issued Drivers license on XXXX XXXX days before the summons was served XXXX He was never served. Violating FDCPA XXXX Regions Bank XXXX go to XXXX my father so Regions Bank XXXX XXXX contract with my father first as listed on XXXX promissory loan documents for XXXX and XXXXXXXX XXXX XXXX XXXXXXXX by attempting to collect interest due to false claims of breach of contract by Regions. Violating FDCPA XXXX. Harassment or abuse ( XXXX ) The false representation or implication that documents are legal process. and ViolatingFederal Trade Commission Act Section5 : Unfair or Deceptive Acts or Practices and FDCPA violation 808. Unfair practices ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

XXXX XXXX XXXX XXXX has provided me with other debtors information that owe debts. In XXXX XXXX XXXX of XXXX or FDCPA ( XXXX ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) 1of this title.

8- Regions Bank has furnished deceptive 2007 bank promissory loanfor my father with XXXX different accounts numbers hand writtenXXXX XXXX XXXX which wasillegible on loan bank document and different principal and interest amounts for XXXX & XXXX FDCPA violation 812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section XXXX of this title for failure to comply with a provision of this subchapter. 15 USC 1692k There are many other things wrong and illegal about this case XXXX I as XXXX for my fathers estate discovered on XX/XX/XXXX that Regions has secretly satisfied the XXXX default XXXX XXXX loan on XXXX XXXX, XXXX multiple certified letters, emails, phone calls and in person visits that year. I asked questions about the loan and Regions never revealed that the loan was satisfied or that they filed XXXX default judgments. The XXXX & XXXX are same identical XXXX loan. If this XXXX loan is satisfied why isnt the XXXX for the same loan? Breaking XXXX XXXX, violating FTA Act, FDCPA Again, A debt can only default once, a creditor would not be legally allowed to obtain two judgments against the same debtor. 

XXXX XXXX XXXX XXXX not reveal its hidden counter parties that are trying to collect and possibly embezzle from the XXXX from family members/former business partners of my father. I should know as XXXX by law all counter parties with XXXX XXXX that are trying to collect an alleged debt from the XXXX. XXXX  fraud, debt fraud has occurred and a strong possibility of embezzlement from the estate. These are federal violations. 
Please make this right

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