Date Received: 2020-03-08
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: Per my last complaint # XXXX Regions Bank stated that they would amend my credit score due to their incorrect charges from a closed account. On XX/XX/20 the amendment went through. On XX/XX/20 a letter was sent to me illustrating that a maintenance to the consumer credit reporting agencies to remove the reported late marks was issued and signed by XXXX XXXX. On XX/XX/20 XXXX delinquent account charges reappeared on my credit score. This institution continually promises action and fails to follow through. To date, I have only received on letter in the mail from the institution about this issue and have never received any information allowing me to follow up on the credit score amendment. They have failed to send me documentation such as a reference number or website to review the actual amendment. This has been ongoing since XXXX as illustrated in the previous complaint listed above.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-03-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-06
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Regions does Not provide me ACCESS for my profound. XXXX and XXXX XXXX XXXX. see attatched XX/XX/XXXX letter. Regions requires an IDENINITY Theft Kit on line Or go into a branch office to fill out. I CAN NOT WRITE OR SIGN. REGIONS PROVIDES NO ON LINE MOBILE APP ACCESS because I am XXXX. I AM IN A XXXX XXXX DRS ORDERS XXXX. I HAVE REPORTED ID THEFT WITH FTC case XXXX XX/XX/XXXX following the FTC. gov web and the ID THEFT. gov web AUTHORITIES GUIDELINES. Regions requires coming to branch or go on line for ADDITIONAL REQUIREMENTS NOT REQUIRED BY AUTHORITIES. Regions is Not ADA ACCESSIBLE. AS my ID Theft Report EXPLAINS XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/XXXX and XX/XX/XXXX and now XX/XX/XXXX were reporting late and they told me that they would fix the mistakes and then they have not they have the wrong address after i have told them i have not receive any statement and i call on XX/XX/XXXX about this issue and told my payment wasn't due until XX/XX/XXXX very upset about this out come and need my credit back to no lates look at the records and calls regions credit card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75071
Submitted Via: Web
Date Sent: 2020-03-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-27
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I opened a checking account with Regions that is a business checking account and to get no fees on the account I opened a merchant account with them also. There were to be no fees associated with the Merchant account unless I used the account. The merchant processor has repeatedly charged me a fee for using them and has constantly stated that I had to do the PCI Compliance or be charged a fee and I have done the PCI Compliance. I have tried to be nice and work with both but neither are working with me. Also, Regions has been charging NSF/Overdraft fees and I have no record of why these are being charged.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38632
Submitted Via: Web
Date Sent: 2020-02-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-26
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I am re-filing a complaint against Regions Bank regarding a loan for a boat that was paid off in 2015. The information I received from you regarding the former complaint ( XXXX ) from Regions Bank was their claim that the title was mailed to me in 2015. It was never received. Also claimed by Regions Bank was the PDF copy you furnished me claiming the lien release was sent as was the letter from the bank. I received a BILL from these people for five years without fail. The address, the name the physical address, and the post office around the corner ( we live n a town of less than 300 people ) remain the same. I have talked to our postmistress to be sure there was nothing amiss. We know each other on sight so there is no confusion about who I am or my mail delivery. FIVE YEARS I RECEIVED A BILL REQUESTING PAYMENT AND FOR FIVE YEARS I PAID IT. THERE WAS NO PROBLEM WITH MAIL CORRESPONDENCE UNTIL THEY GOT THEIR MONEY!!!!!!!!!!!!!!!!!!!!!!! NOW SUDDENLY I CAN NOT GET A TITLE REPLACED BECAUSE I CAN NOT GET A LIEN RELEASE. I HAVE A {$34000.00} WATER CRAFT THAT I CAN NOT SELL OR TRADE AND WILL NOT BE ABLE TO CONTINUE TO REGISTER THE BOAT TO BE ABLE TO USE IT ON PUBLIC WATERWAYS. YOU CAN NOT TALK TO A REAL PERSON AT REGIONS BANK.. YOU SIMPLY GET INTO THE NEVER ENDING LOOP OF RECORDINGS AND REFERRALS WHICH ALWAYS ENDS UP IN THE SAME PLACE. I AM AT THIS POINT OUT OF OPTIONS. FOR FIVE YEARS I RECEIVED MAIL FROM THEM. MY INFORMATION HAS BEEN THE SAME FOR FORTY EIGHT YEARS. PLEASE HELP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 778XX
Submitted Via: Web
Date Sent: 2020-02-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-21
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened an account with Regions Bank due to a promo received in the mail. The account was funded & created online with the offer code & link given via promo card ; XX/XX/XXXX. Documentation of the offer/promo received was requested by one of the phone support representatives to verify its terms & conditions. I emailed the copy of the document on XX/XX/XXXX. I did not review any communication on this request ticket to clarify any information. Due to this, I called customer support on my own accord. I called to verify all the details & the date required to complete the 10 transactions within the 30 day window of opening the account. I was advised the transactions needed to be completed by XX/XX/XXXX. I made several transactions to complete this step from XX/XX/XXXX-XX/XX/XXXX. Thereafter, I called to confirm the requirement was met. I was advised it was completed within the allotted time frame & online statements were active. Furthermore, I needed to await the allotted time to past until the promo would be granted on my account ( 120 days from the date of the 10 posted visa check card transactions ). In addition, I was advised there would be a {$5.00} min monthly fee & the account could not be in a negative status when the credit was applied. I was told I needed a direct deposit, however, the XXXX account selected does not require this nor does the promo offer terms & conditions specify such requirement. Ive been in contact with Regions numerous times since this account was opened to verify information & clarify on any questions Ive had due to the inconsistency of information received. The communication is always unclear and Regions holds no accountability for their employees lack of professional, false information given, or lack of due diligence with carrying out account communication. As of now, Im curious to why I have not received the {$400.00} bonus that was applied for. I would love to get clear communication on this topic since Ive been actively communicating along the way to assure there was no hiccups with this. I attempted to resolve this matter & others related to this circumstance with Regions Bank directly. Unfortunately, those attempts have been unsuccessful. In addition, I called for the dates Ive called Regions concerning this very matter over the last few months & was advised I could not get the dates of my previous calls without a subpoena. I was advised Im not granted access to this information on my own account based on current Regions Bank policy. This information was advised on XX/XX/XXXX from a supervisor of their phone support team. I was advised to go into a local branch to resolve my matter & I couldnt speak with anyone who handles the promo/marketing despite speaking with them in previous months to review this offer. Ive filed a formal complaint with a Regions Bank directly on 2 previous occasions ; one for a supervisor hanging up on me after asking about how to have a call reviewed & for failure to honor this promotion. There has been no outreach to address or rectify either concern on their behalf. The only outreach has been from me reaching out to follow up on unfulfilled promises. The information presented in this complaint can be substantiated by the recorded phone calls Ive made to customer support over the past few months since on XX/XX/XXXX ( account created ). Ive requested for a ticket to be submitted previously to research the details of my account however no communication of any findings were received. The only indication of the ticket was the original email advising one was created but no outcome or follow up carried out. I have attached documents to reflect the validity of this situation. The 3 requirements were : 1. Register an account with the offer code & link provided. 2. Open a XXXX Checking account by XX/XX/XXXX. 3. Enroll in online statements & use the visa check card for XXXX or more purchases within 30 days of opening the account. -The account opening confirmation is attached reflecting XX/XX/XXXX. -Online paperless statement email reflects compliance as of XX/XX/XXXX. -Statements with the XXXX account title including usage of the visa check card for 10+ transactions by XX/XX/XXXX ( the cut off date provided by support ) At this point, I just want the bonus that was advertised based on the requirement met. Thereafter, I would like to discontinue any further business relations with Regions Bank due to their lack of accountability, transparency, & professionalism.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2020-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Note : Most dates are correct but some are approximate Regions Mortgage " Regions '' took over my mortgage loan as it was purchased from my previous lender. Once this happened I called Regions and told them that I wanted to set up auto-payment for my monthly payments. The person on the other line informed me that it had been done. On approximately XX/XX/XXXX I noticed that my mortgage had not been paid for two months through my bank account and I noticed that my FICO score had been significantly reduced from XXXX and XXXX because of this. I decided to call Regions to find out what was going on. On this date I was transferred around multiple times and talked to XXXX and XXXX. I was told at that time by XXXX from Regions that she would be sending my account to their credit department to research and I would be getting a response from them within 7-10 business days. On XX/XX/XXXX I talked to both XXXX and XXXX at Regions. I was told to send confirmation from my credit union that the account was open and valid at the time the payments were and that I needed to send my bank statements to prove that there was money in my account at the time they tried to remove the money. I faxed that information approximately the same day. On XX/XX/XXXX, I talked to XXXX at Regions to find a status, he confirmed that the previous fax I sent was received and he was working on it. I was told my Regions that they needed another letter from my credit union with specific information that was not included in the first letter. I asked Regions if they could write the letter to send to my credit union so that it was correct and the said they couldn't do that. So I did my best to figure out what to ask the credit union to put in the letter based upon what they had told me. On XX/XX/XXXX I called Regions again and talked to XXXX. She told me that I needed to get my credit union to include the routing number and signature on the document send previously. Which I requested from my credit union. Shortly thereafter, I called Regions again and asked the status and was told that they did not receive my fax and they would forward the other documents to their credit department. I had noticed that one of the two delinquent payments were taken off the XXXX account but the XXXX XXXX was still there. They also removed the delinquent payment from XXXX on the XXXX and XXXX but not for XXXX. On XX/XX/XXXX I received a phone call from XXXX from Regions who informed me that the whole problem was that some numbers were transposed on the auto draft and because that was not my fault they were going to take the negative statements off my credit reports. After a couple of days, the negative statement on my credit report was removed from XXXX but not XXXX or XXXX and only one of the two late payments were removed from XXXX, XXXX and XXXX. There was still one showing on each for XX/XX/XXXX. I called again to inquire as I had been seeing a pattern of misinformation coming from Regions and wanted to make sure that indeed they reported to XXXX and XXXX that the negative report would be removed from my account. I was told to give it some time, which I did. On XX/XX/XXXX I called again to report that the XXXX and XXXX was still showing the late payment and was told that I should contact them to figure out what was wrong with them and why they hadn't updated my file. It was as though they were just passing the buck and me all around so they didn't have to spend the time researching for me. But, I did what they asked and contacted XXXX as they suggested which they consequently sent an inquiry to Regions. A few days later I received notice from XXXX that they received a certification from Regions that the late payment was valid. I once again called Regions and asked to speak with their credit department which I was told didn't exist. Once I indicated that I have been speaking with them for the last three months the operator told me that I requested something else other than to talk to that department. After being on hold for some time, XXXX once again got on the phone, this time seemed perturbed and informed me that she does not take phone calls and appeared to take zero responsibility for the error. She told me that she would re-submit to XXXX after I asked her if she was aware of FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84092
Submitted Via: Web
Date Sent: 2020-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: The bank kept taking these unauthorized amounts out of my account, and then when I would bring up the issue with them they 1 ) spent a few hours telling me it was my fault, 2 ) finally admitted it was a bank error, 3 ) " fixed it '' by crediting the money back to my account, and then 4 ) it keeps happening and they can't make it stop TRANSACTION HISTORY XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 {$1800.00} XX/XX/2020 {$1800.00} XX/XX/2020 {$1800.00} XX/XX/2020 {$1800.00} XX/XX/2020 {$1800.00} XX/XX/2020 {$1800.00} XX/XX/2020 {$1800.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 {$3700.00} XX/XX/2020 {$3700.00} XX/XX/2020 {$3700.00} XX/XX/2020 {$3700.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( XXXX ) XX/XX/2020 {$3700.00} XX/XX/2020 {$3700.00} XX/XX/2020 {$8600.00} XX/XX/2020 {$8600.00} XX/XX/2020 $ ( XXXX ) XX/XX/2020 $ ( 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: 2020-02-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-10
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: In XX/XX/2019, I close my account with regions secure credit card. They took my secured deposit of XXXX which my balance was approximately {$1100.00}. I was being charged fees after fees for using my credit card on daily purchases. around that time they missed credited XXXX dollars and i was not given an explanation of the funds. My account should have been resolved and paid around that time. I left the country because of a family emergency. recently came back to find various corresponds of fees added to my account. I have tried to resolve the account over the phone. Either I get disconnected or transferred to the incorrect department. I have invested hours. I am willing to pay the balance without the fees. I should not be punished for the lack of training regions customer service employees lack. as a consumer, I should be able to trust an employee of regions in their adequate expertise. I am sure that I'm, not the only one being charges an excess amount of fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was XXXX for 24 days and upon being XXXX I learned my wallet had been stolen from my vehicle in the impound lot, my entire checking account which had just had my entire SSI check deposited electronically was all stolen along with my XXXX pay card from my employer which 2 paychecks were deposited into that account and was all stolen as well, regions Bank owns XXXX pay card services and have denied both claims, I have filed police reports like they asked me to, I gave them proof of my XXXX dates and they have denied both claims, twice now, they are responsible for replacement of my funds, I reported it immediately upon learning of the theft, I have now been put out of the home I just rented because I have not received my funds to pay it, my vehicle is still in impound lot at XXXX/ per day fee, I have lost my home, about to lose my vehicle, I lost my job because I had no way to get there and no place to live, bathe, etc. I'm now on the XXXX with my 2 cats, I have lost everything fighting with the regions Bank trying to recover my stolen funds to no avail,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 711XX
Submitted Via: Web
Date Sent: 2020-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A