Date Received: 2018-03-15T00:00:00
Product: Auto debt
Issue: Took or threatened to take negative or legal action
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: I bought a SUV in late XX/XX/2018. Dealer stated the bank would send me the information and payment information in the mail. On XX/XX/2018 at XXXX, I received a phone call from ( XXXX ) XXXX. I didn’t think much about it, scammers and law breakers call me on couple to – few times a week. I will block their numbers and forget about. The next day I was at work, and I punched ( XXXX ) XXXX in to XXXX and Call Note indicated it was XXXX XXXX XXXX ( possibly ). I thought ” this is interesting, I am still waiting for the SUV paperwork to arrive ( I was told in a few weeks ), this is the sixth week.
I wrote an email to the dealer explaining that I received a possible collection attempt from Regions, and this may be a coincidence, but I have not received any paperwork ( as stated ) yet. I was unaware that I didn ; t send this email, but was still open on my computer, I did send it today, XX/XX/2018 after the call I answered from ( XXXX ) XXXX. It was Regions Bank, told me I was going to collections ; my credit would be damaged. I explained that I never received the paperwork from any bank regarding the SUV. I didn’t even know which bank loaned me the money. I expected for Regions to acknowledge the situation and make it right, or at least send me ( email ) the paperwork so I could set up auto pay from one – of the many banks – I use. She then tried to get me to pay her over the phone. This is when the fun began. I informed her that I have no idea who she is, or what scam she is trying to pull. I informed her that If she is indeed with Regions, then Regions appears to be engaged in some kind of scam defrauding innocence people ( at least in my case ) of their hard earned money. I then informed her that XXXX XXXX was recently busted doing something similar. She then began with Regions sent me the paperwork. I informed her that I never received it and do not appreciate being disrespected as some non-paying, jack-legged criminal. I told her I am a hard working U.S. American and have money to pay my bills, I then let out a big Oh Yeah – I have lots O ‘ money to pay my bills!!! I then proceeded to tell her that Regions needs to fix it business practices, for starters Regions could leave a voice mail explaining that I am about to miss my first payment ( even though there was nothing I could do to prevent this situation – short of Clairvoyance ), or even email me : The SUV dealer and Regions has my phone & email address. This is not acceptable business practice. Like I said – I pay my bills, I have a lot to show for my hard work over the years. My future is very bright. I am an exceptional XXXX XXXX. I informed her that there is an issue with mail theft here in America. I have been a victim. Evidently based on what Region ‘s is claiming, I am a victim again. There will be a mail theft report to the USPS over this, as well as to the local law enforcement office. There are some ” future short legged prison resident ” cruising these roads. A neighbor has reported to me in the past, that they witnessed one of these ” a short legged future prison resident ”. They even went on to state that there mother had even trained them to steal mail, looking for bank information/checks, etc – no body works at that house … .. According to my wife, XXXX XXXX has had to quit sending checks, enticing people ( their clients ) to cash them from money, because criminal were stealing them from mail boxes and forging them …
Anyway I am not impressed with this behavior from Regions bank, I even call Regions around XXXX today to see if this was all legit. The agent would not give me her last name, and was testing me to see if I would slip up and give her some information about the loan. I informed that one that I have not received anything from Region ‘s and I did not even know which bank the SUV dealer used until today!!! Of course the cat was out of the bag at work, I have XXXX of those voices that carries. I has some ” explaining ” to do tomorrow at work. Of course they are not surprised, it is not the first time I have had to defend my good name against the corrupt corporate type … I asked her if, since now I have determined this situation is pseudo-legit, I could pay with a couple of financial services option – She stated Regions did not accept them. She said I could give her my banking information and she could get it from my account. I told her to email me the payment information, and I would setup an autonomous pay system I use for my properties, vehicles etc. Why is it so hard for Regions to save a member some time? Anyway she informed me if this is not paid by Sunday – Legal action will be taken.
I welcome it – if Region ‘s will not lift a finger to help me resolve this situation – I AM the VICTIM here! Victim of criminals.The story needs to be heard. Acct # XXXX
Company: REGIONS FINANCIAL CORPORATION
State/Zip: MS 395XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 2844996
The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.
Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.
In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.