Date Received: 2021-10-01
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I received a flyer in the mail stating that I could earn up to a {$500.00} bonus by registering on regions.com/offer using a personal code and by opening a personal lifegreen checking account. The flyer stated i would get {$400.00} for opening the account and an additional {$25.00} for completing 4 other activities with the account. Once complete, the bonus would be paid in 90 days. -Download and log into the regions mobile app -Deposit one check -Set up regions direct deposit -Make 10 or more purchases on the check card The new account had to be opened prior to XX/XX/XXXX. I went to regions.com/offer and entered the personal code and my email address. I also opened the account and completed 2 of the 4 additional activities prior to the end of XXXX. Here is where the problem arises. Apparently the mail man delivered this flyer to the wrong address. It was addressed to my neighbor. So in 90 days when I hadn't received my bonus, I brought the flyer into regions and asked why the bonus hadn't been paid. It was at this point that they saw the flyer that I received in my mailbox wasn't addressed to me. Therefore the bonus wouldn't be paid. This was the first time that I ever looked at who the flyer was addressed to. Here is my complaint though. I went on regions.com/offer. I typed in the personal code on the flyer. I typed in my email and I established an account with my name and address and social security number. Never once did the system say that i wouldn't be eligible for the bonus because my name didn't match the flyer. I would expect there to be some sort of notification saying that I wouldn't be eligible prior to 4 months after I opened the account and completed the activities. For this reason I believe I should be granted the bonus for establishing the account and completing the activities that I did. This would amount to {$450.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28031
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: In 2017 I was contacted by a company called XXXX about installing XXXX in my home. They recommended Enerbank to do the financing, I was told that total would be about XXXX And no money would be paid out until I signed off that the installation was complete. A date was set for the work to be signed off on the day before that date the bank contacted me to sign off that the work was complete. As they installation was not completed I did not sign The equipment was taken off my wall and roof and EnerBank started contacting me for payment on XXXX. I asked them to send me a complaint form to no avail. I was told that they were closing my case. They started messing with my credit, also my wifes credit they have dropped our scores by as much as 30 points
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33177
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-01
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened a XXXX checking account on XX/XX/2021 with a {$400.00} bonus promotion. The bonus was to be paid upon 10 debit card ( checkcard ) transactions within 30 days of opening the account. I made 10 purchases to XXXX within the 30 day period. It is now XXXX and I still have not received the bonus as stated in the terms and conditions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29466
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: On XX/XX/2021, I received an email from XXXX XXXX of XXXX advising me that I was approved for the XXXX XXXX for my business, XXXX XXXX XXXX XXXX XXXX. The terms included submitting a one-time refundable deposit to get access to 3 times my deposit amount. I submitted the {$500.00} deposit to receive access to the credit line. On XX/XX/XXXX, I followed up with XXXX regarding the approval and to figure out why my credit limit only reflected {$500.00}. He then told me that he accidentally sent me the wrong email and that I actually did not qualify for the account that I paid the {$500.00} for. Instead, I only qualified for a regular secured card. After he explained his mistake, I chose to cancel the card and account. I was told that the refund of my {$500.00} deposit would take up to 6 weeks to receive. On XX/XX/XXXX, I spoke with XXXX XXXX, XXXX XXXX ( Employee ID : XXXX ) to check the refund status. I was told by XXXX that I would not be able to receive my refund for the BP Solutions card because I was not an authorized person on the account that I canceled months ago. Ludicrous! Not sure how that works since I submitted MY personal information to acquire the account in the first place. I am the sole owner of the business. Additionally, I applied for the Universal Premium Fleetcard, not realizing the issuer of this card is the same company- XXXX. The same situation occurred. I submitted a {$500.00} deposit through my bank on or around XX/XX/XXXX, and have not received the card. It is now XX/XX/XXXX. I spoke with XXXX XXXX of XXXX on XX/XX/XXXX and he advised me the Universal Fleetcard had already shipped, and to wait for it to arrive in the mail. He said it would take upwards of 60 days to cancel the account and receive a refund for my deposit if I decided to cancel before the card arrived. I opted to just wait for the card. He then followed up with me on XX/XX/XXXX via email about my XXXX XXXX account to tell me that my refund is being processed and the approximate new time frame is 4 weeks. At this point, I need both of my deposits back ASAP. I no longer want to do any business with XXXX. I have spoken with multiple employees from this company and no one can give me a detailed explanation about where my deposits are. I never received account numbers or confirmation numbers regarding these transactions either. All I have are emails. My next steps will be to seek legal counsel if this does not get resolved by a competent representative of this company. This should have NEVER occurred. You can not hold onto customers ' money and not provide services. I HAVE CALLED THIS FRAUDULENT COMPANY MULTIPLE TIMES TO RECTIFY THIS ISSUE. I NEED BOTH OF MY DEPOSITS RETURNED TO ME ASAP. This company ( or lack thereof ) has fraudulently misrepresented itself and has lost all credibility from me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76137
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I requested close my new checking and saving account at Regions Bank because of my personal info loss. I called their service and they said I need to go to the branch. I have health issues and can not visit the branch due to the pandemic. Regions should close the wrong-open account automatically.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I noticed some unauthorized charges appear on my bank account, I checked my wallet and noticed my card was still in my possession but these charges were made online, with my regions card. I also had credit cards that were stolen from my wallet. I immediately alerted the bank and tried to dispute these charges. After a couple days I received an email saying that they had completed their investigation and would not honor my request of refunding me my money. I did not receive any explanation as to how they determined this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30680
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-26
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: In XXXX I asked for Regions Bank in XXXX to deduct and pay a bill to my landlord until XXXX. I was robbed in XXXX of XXXX of my wallet which had my credit cards and debit cards. I notified the police and Regions Bank in XXXX and I submitted a police report except one report was not completed. The bank refunded the charge on my card by the crook. I need the statements for court but Regions has not responded to my XXXX letter sent to the headquarters for instructions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 672XX
Submitted Via: Web
Date Sent: 2021-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This company ran a credit check with out my permission. I have never applied for credit from this company, nor have I applied for credit from any company since XXXX. I am very upset. It is wrong to illegally obtain personal information to run a credit check just to advertise to them. The credit check was ran on XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28110
Submitted Via: Web
Date Sent: 2021-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-24
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: My bank changed my account numbers so that I could not access the money. My app pulled up 1 new card numbers that I do not have access to. They changed my account/ card numbers without my knowledge. I need assistance now. The XXXX was XXXX and they made it so that I could not touch the money. I cant touch my money. The bank also changed my Address information when I made the other complaints so my information could not be found in their system.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I'm writing because I noticed Regions Bank reported hard inquiries in XX/XX/XXXX and ( 2 ) in XX/XX/XXXX on my credit reports. I am requesting the removal of these inquiries from my XXXX credit reports. When I called about an overdraft issue, I spoke with a representative, and she talked to me about the different available offers Regions had for me. I agreed to the hard inquiry to increase my credit line and refi. Unfortunately, the number of inquiries I ended up receiving from Regions Bank on my credit report was more than I expected My husband and I are currently in the process of applying for a construction loan to build our family 's dream home. The negative impact of these multiple inquiries could result in a denial of our loan or a much higher interest rate that could cost us a significant amount of money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 388XX
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A