Date Received: 2021-06-08
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I have a XXXX checking student account with Regions Bank, and I have been charged {$10.00} a month even though I am under the age of 25. These monthly charges began in XXXX XX/XX/2019 and was resolved today. However, I would like a full refund on the money that was charged. I was told I could only be refunded {$30.00}, but I was charged {$180.00} in total. I did not know I was being wrongfully charged until a regions employee called me saying I was being wrongfully charged. The reason for this is because I emailed the company and they said I was being charged correctly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 71111
Submitted Via: Web
Date Sent: 2021-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-05
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened up my Regions bank checking account in XXXX GA on XX/XX/2021 and everything was fine, the minute I went down south on a job assignment for the XXXX for a few days and deposited XXXX $ into my Regions account yesterday afternoon on Friday XXXX, one of the employees fraudulently called in and posed as me and had my account frozen for NO reason. It was discrimination. They asked me what was my business in South Carolina and I told them I was on A XXXX XXXX XXXX and they waited 24 hours then froze the account Saturday morning XXXX. They faked a call from me to the help desk and had it frozen for no reason.
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: 2021-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-04
Issue: Trouble using the card
Subissue: Problem with direct deposit
Consumer Complaint: On XXXX, I sold XXXX XXXX at XXXX for {$100.00}. At that time, they gave me an envelope containing a debit card and a letter explaining how to get my money. They said I was required to make my second donation within 14 days of the first one. A couple days later, I went to the website at https : XXXX? XFunction=LoginPage to transfer the money to my checking account. The website said there was an error and to contact customer service. I did so at XXXX, and they said that the system was down and that I should try again the next day. When I tried again, I got the same error and called customer service again. This time, they said that it wasn't possible to direct deposit my existing balance, even though the documents I received clearly say that I can do that. I then set up direct deposit for future payments, but they said that would take XXXX business days to set up, which will be after my required 2nd plasma donation. On XXXX, I sold plasma again for {$100.00}, as was required. On XXXX, I went to a bank to withdraw the full balance of {$200.00} from the debit card. The card was declined for unknown reasons. I immediately called customer service, and they said it wasn't possible to withdraw at a bank teller, again contradicting the documents on the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30329
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-31
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX last XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Attn : Customer Relations Department To Whom It May Concern, I recently looked at a copy of my credit report and noticed several incorrect accounts. The incorrect items listed below appear on my credit report. I would like these items immediately removed and for good cause. These inaccuracies are highly injurious to my credit rating. I disputed the accounts below 90 days ago on ( XX/XX/XXXX ) in which I have provided proof of my certified mail receipt confirmation and nothing has been removed, nor have I received a legitimate response or investigation results in this matter from experian or the creditors in question.I have contacted each creditor individually and have not gotten a response. I also have filed a lawsuit against the creditors and collection companies that have continued to ruin my credit worthiness and cause me emotional and financial XXXX.I am informing you that I have filed a lawsuit against XXXX and are seeking full legal damages. XXXX has violated the FCRA on numerous occasions as it concerns my credit file. XXXX has refused to removed outdated, fraudulent and inaccurate accounts and personal information from my credit report after I provided proof. This is considered defamation of character and willful injury. under the FCRA section 623. Here is a list of the accounts that are currently in litigations. XXXX XXXX XXXX {$440.00} XXXX Date opened XX/XX/XXXX {$440.00} ( This Account is Fraudulent and currently in litigation ) XXXX {$590.00} XXXX Balance updated XX/XX/XXXX XXXX late payments ( I was never late on this account ) Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? What certified documents were reviewed to conclude your investigation? Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. What did it cost your company to obtain the documents needed to complete your investigation? Please provide proof of your timely procurement of certified documents. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? Also, According to section 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. ( c ) Attorney 's fees. Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorney 's fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] ( a ) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. ( b ) Attorney 's fees. On a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorney 's fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. I informed XXXX that I had misspelled names and fraudulent addresses on my credit report that still report currently. I have hired a consumer attorney ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX. The only name that should reflect on my XXXX report is : XXXX XXXX The only address that should reflect on my XXXX report : XXXX XXXX XXXX He has noticed several violations of the ( FCRA ) by XXXX and at this point and we have file a lawsuit against XXXX. We have a full list of our ( burden of proof ) and substantial evidence to back all claims in our lawsuit, we are also holding the following individuals responsible for XXXX negligence to my client and I needs pertaining this matter XXXX XXXX ( XXXX CEO ) XXXX XXXX ( CEO of XXXX XXXX XXXX XXXX XXXX XXXX ( Chief Operating Officer ) Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. Please provide : The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. The date you contacted the individual funishers of information. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. Please forward an updated credit report to me after you have completed your investigation and corrections. You have ( 1 ) Business day to remove accounts and all inaccuarcies from credit report. We plan of pursuing full litigation by XX/XX/XXXX if inaccuaries stated in this complaint or not removed immediately!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2021-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Checking credit score advised free but required {$1.00} charge. Paid charge but vendor opened account. Called to cancel immediately but number provided not operational. Emailed but more of the same. The company billed me {$29.00} and {$39.00}. attempts to stop failed and Regions bank could only change card. XXXX but Regions has not refunded the money. Opened XXXX complaint, Ic3 FBI COMPLAINT, FTC AND FCC but Regions has still failed to refund the money for over 60 days and multiple complaints.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2021-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On [ XX/XX/XXXX at XXXX PM ] we asked Regions : " I would like to request/confirm that any additional payments I make to this mortgage will be applied solely to the principal? Thank you. '' The next day we received the response " Yes, the additional payments can be applied to the account. Please make payments after the current payments is due and prior to the next one. The website is the best place to confirm if they were applied as intended. '' We followed their instructions and immediately noticed that the payments were NOT applied as intended. We have been attempting to work directly with Regions and with the assistance of the CFPB since XX/XX/XXXX to have them fix the issue but to no avail. This is our 6th message to the CFPB regarding this ongoing, yet evolving issue. Regions often does not respond to our attempts to contact them or closes the complaint claiming that the issue has already been resolved. Initially, we'd proposed a simple solution : we would consider this issue resolved if what we requested 8 months ago was honored : a simple correction of their misapplication wherein {$4500.00} is applied to the principal on XX/XX/XXXX, the day the payment was made. We would immediately bring the loan current to satisfy any outstanding payments to-date. After about 7 months of receiving minimal assistance, a Loan Servicing Escalation Specialist, XXXX XXXX, had finally begun to assist us. He began to perform some re-applications on our account which were a step in the right direction, but not complete. Ultimately, he applied the {$4500.00} on XX/XX/XXXX, but AFTER the contractual interest payment. We initiated the {$4500.00} principal payment on XX/XX/XXXX, therefore we have been asking Mr. XXXX to apply it BEFORE the contractual payment, however but he has refused to do so. Regions bank choosing to apply the payment later, simply to extract more interest from the consumer prior to applying the principal, even when we are requesting otherwise and made the payment two days prior, is in bad faith, particularly 8 months after we brought this to their attention. Mr. XXXX had also mentioned that we would not face any delinquencies or penalties as a result of their mistake, so long as we are prepared to make the loan current. We have notified him on several occasions that our intent is to make the loan current as soon as possible and we have the ability to do so immediately, however they still will not finish correcting the misapplication. We received a notice on XX/XX/XXXX stating " You are late on your mortgage payments. As of XX/XX/XXXX, you are 30 days delinquent on your mortgage loan. Failure to bring the loan current may result in fees or completion of the foreclosure process -- - the loss of your home. Loss Mitigation Program : Not Applicable. '' In the interim, the online payment portal has been closed off to us, and our loan auto-draft suspended without action from our part. We sent two messages to Mr. XXXX XXXX on XX/XX/XXXX reiterating our intent to pay the loan as soon as possible, hoping he would make the final correction to the misapplication, however we have not heard back. We also asked that if he is unable to assist us further, that he escalate our concern to a supervisor, but we have not heard back from anyone. This all stemmed from our first-ever principal-only payment as brand-new customers and first-time homeowners. This was before we had any experience with the Regions online platform. We reached out for assistance and received misleading guidance, which caused this whole error, and we continue to receive pushback and brazen refusal by Regions to fix the mistake to this day. Regions, by their own admission on XX/XX/XXXX, gave us improper instructions : " From what I see is that you may have used the wrong option to pay principal only. This is not your fault, because the proper instructions should have been provided. '' XXXX XXXX Regions representative ). There has been no grace or courtesy for us as new customers, even as we tried to secure our first-ever home in the middle of a pandemic. We sincerely hope Regions will make the simple fix and make this right.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46074
Submitted Via: Web
Date Sent: 2021-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check on XX/XX/XXXX into the ATM at Regions XXXX Branch. A hold was placed on the check because it was not endorsed by the mortgage company. I spoke with a bank teller who stated that the check would clear in 30 days. On XX/XX/XXXX the funds were moved to the back office. The hold can no longer be seen on my account. On XX/XX/XXXX I made an appointment at the bank inquiring about the funds. I was told I should hear something within a week. I heard nothing. XX/XX/XXXX I made another appointment. I was told I would hear something in 24 hours. I didnt. I went back on XX/XX/XXXX. I was called 2 hours later stating the check was returned to XXXX XXXX XXXX who is the issuing bank. On XX/XX/XXXX, I had my insurance company to trace the check. The check is still showing as cashed on XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70127
Submitted Via: Web
Date Sent: 2021-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I happened to discover two unauthorized bank activities/withdrawals from my Personal Checking account in XX/XX/2020 for XXXX XXXX, one on the XXXX and the other on the XXXX. I opted to discuss and dispute these two unlawful activities with Regions my Principal bank. I urgently requested the specific status of these unauthorized transactions and the persons and institutions involved. My multiple requests were and are still ignored or not acknowledged. As I did report the ID Theft to the Federal Trade Commission that advised on sending a letter to Regions with objective being to re-dispute and urgently obtain answers and cooperation from the bank, they have again and intentionally failed to respond. I have since opened and maintained a new account and new information. However, I remain perplexed at the bank 's offensive and unlawful lack of cooperation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My deposit from Social Security was deposited into my account on the XXXX Wednesday, and my account was overdrawn by XXXX. The bank recovered their fees from the deposit but froze my funds where I could not make any transactions. I was in the process of purchasing food and my transaction was not approved. I called the bank and the bank stated my funds would be available the next day because the transaction had to be posted manually. I stated if that's the case no funds should have been taken out of my deposit as well until the next day. The money was there, my deposit was there and this is the XXXX Wednesday. I should not be penalized to not be able to get access to my money once my money was received by the bank. In my opinion this is a way to discourage me from using this bank for illegal tactics to the customer. This is not the bank funds when the money comes in from a government institution for a customer. This is an abuse of Power by the bank, and illegal and unlawful practices by bank. They also took a portion of my Stimulus money to cover overdraft fees. This bank is Regions Bank. I spoke with four different people and they all spoke the same script. I still was unable to use my money on the day it was suppose to be made available to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76116
Submitted Via: Web
Date Sent: 2021-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We have our accounts with XXXX XXXX and use Bill pay through them. We had paid the first few payments and they got them to Regions Bank with no problem. About XX/XX/XXXX Regions bank contacted me to say they got no payment. I checked with Bill pay and it is set up to do a monthly payment and confirmed that it was sent on XX/XX/XXXX. I contacted XXXX XXXX both on phone several times and also two times in person at the branch near my home. According to their records it was paid. So I continued to send the next months payment which would be XXXX also and they claim they never received the payment at Regions bank. I have spoken to both Regions and XXXX XXXX at least 15 times two times it was a conference call. XXXX XXXX has debited my account for the payment both months but no one seems to do or really care how long this process takes. It took me 3-4 phone calls to Regions for them to understand that this was not a check in the mail. It was send electronically from XXXX XXXX to Regions and has been accepted on their end and put somewhere. Two seperate times XXXX XXXX andI have sent proof of payment to Regions bank and after their 5 day review they do not accept the proof. I have talked to an attorney and everything he told me to get from the two banks they tell me I can not have this information such as routing and other particulars. I really do not know where to turn. They write letters about foreclosure, they have contacted credit bureau on us also. We are seniors my hubby is XXXX and XXXX and very ill and I am taking care of him. This hardship is killing my ability to care for him. Please help me if you can neither of these banks seem to know how to solve a problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32904
Submitted Via: Web
Date Sent: 2021-05-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A