Date Received: 2021-11-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. This account is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34142
Submitted Via: Web
Date Sent: 2021-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-10
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XXXX Regions bank allowed an unknown person to remove {$1900.00} for two of my accounts for a total loss of {$3900.00}. They have since been extreamly hostile and uncooperative in refunding their mistake. Saying openly that they will drag their feet about this for as long as they can.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37130
Submitted Via: Web
Date Sent: 2021-11-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-10
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: I closed my bank account at Regions Bank on XX/XX/XXXX. They have now reported me to collections for a {$25.00} overdraft fee. I went to the branch location on XXXX XXXX XXXX, XXXX, GA XXXX and had a banker close the account in person.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-09
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: I have contacted Enerbank repeatedly, on multiple forums, asking them to mail me my full account balance monthly. They repeatedly refuse this request. They only mail me my principal balance, and they state they will not mail the total balance because interest accrues daily and the balance changes. But they are completely fine with only mailing me my principal balance. The only way to get total account balance is to either call them during THEIR business or by filling out a form online, for them to contact me back at THEIR leisure. I have called them on the phone, they refuse. I have emailed them, they have refused. I have filled out the form online, they have refused. I have filed a complaint with XXXX XXXX XXXX, they have refused. I have filled out reviews on XXXX and other financial webpages, they have refused. They have shown repeatedly they will not do what their customers want, which is extremely basic. People in the XXXX, XXXX, XXXX, XXXX ... and on have received mortgages, car loans, and other loan total balances on monthly statements. Enerbank refuses this repeatedly. People have been requesting account balances or even statements online for 9 years on review sites, and Enerbank refuses, saying " soon. '' 9 years and still no resolution is " soon '' according to Enerbank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97080
Submitted Via: Web
Date Sent: 2021-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-10
Issue: Getting the loan
Subissue:
Consumer Complaint: On XX/XX/2021, I initiated a consumer credit transaction with Regions bank using my credit card as defined in 12 CFR 1026.2 and 15 USC 1602 ( i ). To my surprise I was denied my credit. Credit is a right as defined in Truth in Lending and to deny me my right because I in good faith exercised any right under the Consumer Protection Act is prohibited and discrimination which is a violation of 15 USC 1691 ( a ) ( 3 ). The inquiry on my consumer report and denial email is proof that a transaction occurred. A transaction was completed using my credit card and I never benefited from it, another violation of the Truth in Lending Act 15 USC 1602 ( p ). According to Regions Bank I was denied because of a credit score. Pursuant to 12 CFR 1002.0 ( b ) ( 2 ) I can not be denied because of company policy or because of a credit score. This discriminatory act taken against me has caused me XXXX XXXX confusion, bouts of XXXXXXXX XXXX XXXX nights, and early XXXX XXXX from the XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35215
Submitted Via: Web
Date Sent: 2021-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: My XXXX credit card payment was {$290.00} which i had paid in full. When i received the XXXX statement ; i saw there's interest charged {$2.00} on my statement. i do not know why? I have called the REGIONS credit card company about my issue on XX/XX/2021 ; but the representative told me that she can not remove the Interest Charged. Obviously ; this is a kind of ABUSE CHARGED. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77478
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Hello my name is XXXX XXXX XXXX XXXX and I am a cardholder at Comdata, and I have been a victim of fraud. And I have submitted my claims online like I was ask to and yet I have only received just a little over {$200.00}, when I have been stolen much more than that, ( over XXXX ) I would like to know that status of my claim. I have not had any reach out to me and I am falling behind my bills. I feel that I shouldnt be responsible to these withdraws when I had called COMDATA to close my card because it was stolen and they submitted my request for a new card but never close the stolen card. I was exposed to a tremendous loss of all my funds and I am requesting a refund, due to a lack of processing a request. I submitted my claim on XX/XX/2021 and it been almost months and I havent heard anything from the fraud claim department. I have filed a police report and I have attached it along to this letter. I will also include a summary of the claims and the dollar amount that I have submitted. XXXX XXXX XXXX XX/XX/2021 {$43.00} XX/XX/2021 {$200.00} XX/XX/2021 {$23.00} XX/XX/2021 {$200.00} XX/XX/2021 {$100.00} XX/XX/2021 {$200.00} XX/XX/2021 {$42.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$120.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$120.00} XX/XX/2021 {$120.00} XX/XX/2021 {$120.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$300.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00} XX/XX/2021 {$200.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91321
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: THANK YOU : I HAVE A PRESTIGE VISA CREDIT CARD BY REGIONS BANK. CREDIT LIMIT IS {$5000.00} AVAILABLE CREDIT IS {$1300.00} THE BANK DECIDED TO CLOSE MY ACCOUNT. THE ACCOUNT IS TILL OPEN BUT I CAN NOT USE THE CARD. I HAVE NEVER BEEN LATE OR BEHIND ON THE ACCOUNT. I HAVE A LINE OF CREDIT WITH THE SAME BANK FOR {$250000.00} OPEN AND IN GOOD STANDING NEVER LATE. PUT THEY DECIDED TO CLOSE MY ACCOUNT BUT I STILL HAVE TO PAY INTEREST FOR A CARD THAT I CAN NOT USE. I BELIEVE THAT THEY RIPPING ME OF FOR OVER A YEAR. I HAVE NOT FOLLOWED ON THIS BECAUSE I HAD TO HAVE XXXX XXXX XXXX XXXX. JUST GETTING BACK ON MY FEET AND AGAIN I HAVE NOT BEEN LATE ON MY ACCOUNT. THANK YOU AGAIN FOR TAKING A LOOK AT THIS MATTER. SINCERELY XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 398XX
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Charges on my Regions Card I did not make XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Regions XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Regions XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Regions XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the company recently gave me the credit. I have put a claim in for all other charges but they still are allowing access to my card and charges. I have tried to close the account. The recent charges since XXXX I never activated the card and they still have used it. I filed a police report and put and called the credit bureaus. Some how they are still getting into my account and its not getting taken care of. Regions keeps giving me to another department and not solving my problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32708
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39206
Submitted Via: Web
Date Sent: 2021-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A