Date Received: 2023-11-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681section 602 states that I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I have XXXX accounts present on my credit report that have violated these laws. XXXX XXXX XXXX XXXX XXXX Regions Bank ( Credit card ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-23
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: XXXX XXXX does not allow you to remove automatic payments but forces you to use autopay when you start a policy. I deliberate left low funds in account on scheduled date as I did not intend to continue policy and preferred to pay an NSF fee than let another premium clear the account as I had already held for their customer service on the phone over an hour and still had not reached an agent. I have always rejected overdraft protection. I instead opened a LOC account to to transfer funds from if needed.Regions in spite of my opting out of overdraft protection paid the charge sending my account in the negative. I had to move my direct deposits to other accounts costing me extra money buy money orders instead of being able to use my checking account, and now that account is not even accessible to me online to find out what other fees they have charged or see the account history. Im unable to deposit money in the account in order to transfer to the LOC to pay it off as any funds would be allocated to the insufficient balance first. THIS is causing negative marks on my credit report. I never gave permission for that charge to be paid. I live paycheck to pay and can not afford to lose {$180.00} to pay for something I didnt authorize them to do. I can not even provide you a statement showing the charges as everything for the account was digital, save my checkbook.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37918
Submitted Via: Web
Date Sent: 2023-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/23, I contacted Regions bank with the merchant XXXX. I explained that there were 2 charges from XXXX totaling {$100.00} that I did not authorize. The merchant advised the Regions bank rep that I did not authorize those charges and to start the dispute process. It is now, XX/XX/23, and still no resolution. I closed my card out as instructed and went to the branch for a new card. I attempted to contact Regions 2 other times to no avail. I do not understand why it is almost 10 days since the dispute and nothing has been resolved. I have been struggling with banking reps both in the branch and the XXXX number being unprofessional and not helpful. This is absolutely unacceptable and have never experiences such nonsense. I want this resolved ASAP!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34667
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: I went into the bank after depositing a check for {$500000.00} and {$6000.00} to finance a transaction for a vehicle, I also had a letter of credit for security collateral and a finance statement from the Secretary of State to update my files and to begin consumer transactions. I was immediately denied and told that Regions Bf its Affiliates does not provide those types of services. She them called the police on me and had me wrongfully arrested. I have documents for regions, the federal reserve, FDIC, Comptroller of Currency, SEC, and the Treasury. I authorize you to send those documents to those agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 391XX
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I Had submitted online loan applications trying to get a loan to help with my bills and my account received and an mobile deposit in the amount of XXXX and upon further review my account was locked due to it being fraud I physically went to my bank and called the numbers that was provided for my account and upon talking to customer service rep I was told that a mobile deposit was made in my name but I never made an mobile deposit in the amount stated above and the loan company that called me asked for my bank account number and routing number and I did not think nothing of it because i thought that was the process of getting an loan the loan was initially for XXXX but the person i talked to whose name is XXXX said that they would make a deposit of XXXX to boost my credit and help me get a bigger loan all they needed was my account information
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 361XX
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023, I attempted to utilize my debit card to purchase a meal for my family. The card worked for an ealier purchase in the day and I have more than ample funds in the account. As I attempted the purchase, I was told that my card was declined. I was shocked because I have had no alerts whatsoever. I returned home to access ths online account and to call customer service. There was no mention online of any hold, nor any alerts. I then called every related customer service number to relieve the invisible hold on my card but none of the options were succesful and there were no staff avilable to assist. XXXX of the prompts suggested the mobile app. I downloaded the app from the playstore and to my surprise, it would not upload. After all my efforts to spend my own money, I will not be banking with Regions in the future and I would like the CFPB to determine whether or not Regions is engaged in unfair, abusive and decptive trade practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75039
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XXXX XXXX XXXX I paid the outstanding balance of {$240.00}. On XXXX XXXX an unexpected refund of {$1000.00} occurred, leaving my account at- {$980.00}. When I contacted customer service, they claimed that I closed the account ( which is not true ), but they refused to explain the reasons and falsely blamed me for the closure. Therefore, I went personally to the branch in XXXX, Florida. After speaking with the Manager at my XXXX agency, I was directed to an agent who vaguely stated, " it's the bank 's policy not to provide explanations, so your money will be refunded within 7 to 10 days. '' This action will impact my credit history, despite having no late payments for years ( as a closed account is a stain that remains on my record for 7 years ). I chose the card to improve my credit and strategically reduced its use to qualify for a more significant credit, such as a mortgage for my home. Was I penalized for having no debt? Was my account closed for aiming to maintain a XXXX XXXX XXXX' balance to qualify for a larger credit? Is a closure of {$1000.00} beneficial for a financial institution that could have gained a {$350000.00} home loan? Who is truly making the mistake? Regions Bank has been my preferred choice for years, and I have recommended their services to family and friends. This unexpected and unfortunate experience raises serious doubts about the integrity and customer service of the bank. I hope that the Regions Bank intervenes and mediates in this matter to ensure a fair and prompt resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32837
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Problem when making payments
Subissue:
Consumer Complaint: A previous complaint was filed with the CFPB on XX/XX/XXXX ( XXXX ) where nothing has changed with this XXXX predatory lending behavior. I am requesting the original complaint to be reviewed and this new complaint to be investigated. In the original complaint the status states CFPB referred complaint to another government agency on XX/XX/XXXX. I never heard from anyone and upon research XXXX behavior has escalated from the XXXX of complaint I have read. Since my last complaint, I have continued to make all payments on time and have asked for a financial hardship since and was given minimal assistance for example being able to skip a monthly payment. What was occurring is never once did I receive a monthly, quarterly, or yearly statement only a coupon book. When I would to inquire about assistance due to financial hardship from a XXXX only then I would find out the balance. Most recently as my last coupon book was ending, I was told they were no longer going to be sending coupon books that I would receive monthly statements. XX/XX/XXXX, I called customer service and inquired about why I have not received my monthly statement that being I had no more coupons and that I had not received any statements. I also then requested to speak with someone about my ongoing financial hardship where the woman who I spoke to when into this filibuster rhetoric that I already was given a one-month grace period this year and that was all that could be done. When explaining on how there should be more options, she kept talking over me, not letting me finish my sentence became rude, argumentative, and hung up the phone. I called back and left a message for a supervisor to review the recording of the conversation and to call me. On XX/XX/XXXX, I thought a payment was due XX/XX/XXXX and had yet to receive a statement. I was informed a payment was due that day which while on the phone immediately made the payment for the two loans. It was then, I requested a supervisor because of the last conversation where I was told one would call me. I responded again to have the supervisor review the recording of the last conversation. Again, never received a call back. On XXXX, XXXX I received only a statement for only one of the two loans dated XX/XX/XXXX. I then called again and first informed the customer service person that I only received a statement for XXXXne of my loans. I informed the customer service that I was supposed to receive a call back from a supervisor and yet to receive one. I then informed the representative that the statement was showing a {$30.00} late charge and in fact the XX/XX/XXXX payment which was received on XX/XX/XXXX within the grace period after this XX/XX/XXXX statement was generated so it should be removed. I then on XX/XX/XXXX, called again to confirm the late charge was removed which I was informed it was, that I have yet to receive the statement for the second loan and for the supervisor who was going to review the original conversation to call me. I am requesting audit of my account because XXXX has a history of charging interest on the money already paid back on their loans. This would explain why my balance on the loans which I have been paying since XXXX is so high. I am to the point where even though I do not wish to have my credit score effected will stop making payments, let it go to collections, and have the court sort it out. It is my hope that this time the CFPB will vigorously investigate this complaint and not refer it to another governmental agency which did not resolve this matter. I have attached three links where you can review the XXXX of complaints against XXXX and their predatory lending practices. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11735
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( 1 ) - Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer and the person making the report. Which means it should not be included in my consumer report and is in fact a violation of my consumer rights. Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( iii ) In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a debit transaction from my on-line XXXX XXXX XXXXXXXX account XXXX The money was taken, out, and sent to Regions ...... Regions claimed... they never received my payment to their bank card. Please help, I'm being robbed by the banking system!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63146
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A