Date Received: 2021-10-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: REGIONS BANK Contact XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$11000.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33169
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened the account due to a {$400.00} promo ad I had received from Regions. Account was opened on or around XX/XX/2021. I received a welcome email from a relationship manager on XX/XX/2021. Regions is denying me the promo because I did not make the transaction in 30 day period and that I was late. However, the lateness is not due to my fault as there were issues with Regions Bank and/or USPS that were outside of my control. First off, I did not receive the debit card on time. I received my debit card around XX/XX/2021 which reduced the number of days I had to make the required number of transactions. With there being COVID, I could not leave the house either to make my regular purchases. Second, realizing that I would not be able to leave the house, I made 17 small transactions to fulfil and exceed the limit set by Regions for the number of debit transactions. However, unknown to me, while the transactions were made within the 30 day period ( and 12 days if you count the time since I received the debit card ), Regions bank did not post those transactions until after the deadline had crossed. I am attaching screenshots of transactions I made showing that the merchant processed those transactions on time. I am attaching screenshots of transactions showing the transactions were made before the deadline. I have asked Regions bank to reconsider the denial and escalated the issue also but it was denied due to a 'banking regulation '. Based on my experience, there have always been exceptions specially when the card itself arrives late. I hope you can ask Regions Bank to reconsider the denial.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78681
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: An unauthorized ACH was made to my business ( XXXX XXXX XXXX, XXXX ) checking account on XX/XX/2021 for the amount of {$3900.00} at Regions Bank. On the statement shows XXXX XXXX I went to the bank on XX/XX/XXXX when I found out about it and I requested to file a dispute and I never received any confirmation or documents to support this transaction. The person at the Bank said to wait between 7 to 10 days for an answer that never happened and around that time I went back to the bank and they gave me a case number and a phone number XXXX ( Regions Bank Customer ) for me to call and confirm the dispute. Following their advice, I called to confirmed the dispute and never received a call back or email. I also called several times to XXXX XXXX XXXX XXXX and because my company also has a company account that we regularly pay with company checks, NEVER by ACH. They checked and confirmed that there was no ACH or electronic payment from Regions to any of the cards or employee cards on my account. I reached out again several times with this matter to the Manager of the Regions Bank on XXXX XXXX XXXX XXXX XXXX XXXX XXXX asking to refund my money an to investigate and he said they can not do anything else. This is fraude and I never authorized this ACH.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33141
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This company is inaccurately reporting late payments to the credit bureaus. I was never late paying this account. This account was paid in full on time. I have tried to get this resolved with this company by telephone and the company response was that it will stop reporting this incorrect information but this has not been corrected. This is a common practice for this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94089
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: A counterfeit check for the amount of {$5500.00} was cashed from my checking account on XX/XX/2021. I did not notice till XX/XX/XXXX due the disruptions caused by COVID. When I finally reached a representative at the Regions Bank Priority Banking Services it was XX/XX/2021. The representative explained the process and told me to fill out the claim form that he would email within 24 hours. He clearly stated when I asked him that I was within the timeframe to file the claim and that I should not worry. I filled out the form ( which was sent again on XX/XX/XXXX in a different format ( Regions Check Fraud eSign system ), talked to the branch manager ( XXXX XXXX ) who told me not to worry that the money would be back in my account, and signed the electronic form and sent it by XX/XX/XXXX. I had not heard from the fraud department so I called today and a supervisor ( XXXX ) told me that the claim had been denied because I had filed it after the 30 days from the day of the counterfeit check being cashed. This was not the information I was given by three other Regions Bank representatives. The fraud with the counterfeit check was done by someone who knew about my checking account at Regions Bank- and that would be someone working at the Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I recently moved within XXXX and received forwarded mail from my old address that included a bank statement for an account I neither applied for nor authorized. The bank is Regions Bank, XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The bank statement covered the cycle from XX/XX/2021 through XX/XX/2021. The statement identifies the account as " Lifegreen Checking For Students '', with an Account # XXXX. It has a beginning balance of - {$4.00}, Deposits & Credits {$4.00}, and an Ending Balance {$0.00}. I contacted the Bank Customer Service department and spoke with " XXXX '', who after a lengthy conversation, was able to verify that indeed an account was created under my name with the account number per the Statement. Further she agreed to close the account but could not provide any other information. She then transferred me to the Bank Fraud Department and I spoke with " XXXX ''. XXXX was unpleasant, not at all helpful, threatened to disconnect me, and insisted that what I had been told by Customer Service was not only incorrect but that in order for me to close the account, I had to submit an affidavit to the nearest Bank Branch. That branch is XXXX miles away in XXXX. Next, I called the Regions Bank in XXXX and asked for the Bank Manager. The man who answered my call identified himself as the Manager. His name is XXXX XXXX XXXX. I explained the situation to XXXX who asked questions and agreed the account should be closed but went on to indicate several surprising and alarming things. First, he was aware of a high volume of fraudulent account opening activities like the one which affected me, that have been ongoing over " the past several months ''. Second, the Bank was not only aware of this fraudulent activity but had acted to close the accounts including my fraudulent account. The four dollars in and out of the account was what the Manager described as a " charge off ''. Furthermore, in order for me to clear my credit, he suggested I needed to complete an Affidavit which he later sent via email. Third, the Manager indicated that to his knowledge and according to information he was given, these fraudulent accounts were created online. I have several complaints : 1. The bank did not notify me of the fraud they were clearly aware of. I believe this to be a serious violation of my rights. 2. According to the bank employee, these fraudulent activities have been ongoing for months and they did nothing to stop my identity or credit from being compromised. Had they done so, the fraudulent activity should by now have been mitigated. 3. The bank should bear all responsibility for damages for fraud they were and are aware of, including the four dollars charge off, and any misreporting to the Credit Bureaus. The Bank is responsible to investigate and remove any and all incorrect information. 4. The Bank is by their process open to violations of the Anti Money Laundering regulations and needs to bear the consequences for any violations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60559
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: i was NEVER late on this account in XXXX i have no idea why they put this on my credit report but i have tried to get them to correct it and its XXXX and they have not fixed it yet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft, my personal information was stolen and used to obtain loans and credit cards. However, I was in prison from XX/XX/XXXX to XX/XX/XXXX when the fraud happened nor I have not benefited from any of this. I provided proof that I was XXXX ( identity theft report, the accounts, paper work from the government of my XXXX and validation letters ) to the creditors and all XXXX credit bureaus ( XXXX, XXXX and XXXX ) XXXX and XXXX was completed but not XXXX which they continue to keep reporting to the credit bureaus. I notified the credit bureaus several times and kept getting the same response ( verified ). They have not provided no evidence to prove that these accounts belongs to me. No signature that matches my handwriting or coming into any of their facilities ( of course i was in XXXX ). I have tried every method going back and forth which is giving me no justice at all. This has caused me XXXX, XXXX and XXXX. I would like the accounts removed immediately. I provided all my evidence to prove that it wasn't me even down to the signatures on loan documents.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29203
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-03
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Someone opened an account with Regions Bank. and had an ACH from FEMA for {$9000.00} deposited into it. then another ACH out of the account for {$8600.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32506
Submitted Via: Web
Date Sent: 2021-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-04
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I had just cashed my check and basically they froze my account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75212
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A