Date Received: 2018-11-21

Product: Mortgage debt

Issue: Communication tactics

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: Regions bank Collections is calling for a debt not owed, but misapplied by Regions employees in the Regions bank system. There is an elderly person at our number and the calls are interfering with ability to provide adequate and appropriate in home health care. Two Regions Collection agents over the past week were told no payments were due and the account up to date based on in person visits to bank branches over past two months. The first Collection agent spoke as if she took the information in a responsible manner and would follow up on status. Today ‘s Collection agent was clear after being told the above he did not care about the information we shared. He attempted to be intimidating and rude in the manner of a Collections bully.

Two payments were misapplied within Regions over the past two months : one on bank deposit boxes, and one on the personal line of credit loan.

We went into a branch again today and found Regions employees misapplied our payment to the wrong place. They said their system showed ( 1 ) a {$90.00} outstanding due on what they term ” the personal line of credit loan ” and ( 2 ) a credit of {$270.00} on what they call ” the personal line of credit account ”. This is the same thing : the Regions Personal Line of Credit. What happened in Regions system is the loan payment was applied to the annual fee for the personal line of credit account. It is likely the payment for the annual fee was applied to the personal line of credit loan.

We asked Regions main branch to process paperwork that no phone calls are to be made again, but communication in writing.

We need to ensure Regions Collections does not process notice of late payments or other negative credit rating information against our accounts to any credit bureau.

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State/Zip: AL 35401

Company Response to Complaint: Closed with non-monetary relief

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3080065

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