Date Received: 2019-09-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have attached a copy of my FTC complaint stating the Regions Bank & XXXX XXXX XXXX XXXX are fraudulently reporting negative items on my XXXX report. I spoke with XXXX XXXX and she stated that they have not received the updated FTC report that I sent through the CFPB on XX/XX/2019. They simply closed it without putting in any further notation. I am once again attaching the documents as well as mailing it to its office at the address below. I demand that XXXX takes this complaint seriously and remove the items from my credit report. I will also be forwarding this to the FTC. XXXX XXXX XXXX XXXX, PA XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46060
Submitted Via: Web
Date Sent: 2019-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-23
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was part of the XXXX XXXX scam. They slammed my account for a total of {$610.00}. They bank investigated and I was refunded {$100.00}. I have been with Regions for a considerable amount of time and have never has this to happen to me. I provided a lot of information and even contacted them by phone on the same day that it happened. The person on the line, reassured me that everything was going to be okay. No, it was the start of my nightmare. I provided them all of the information that I could. My XXXX son banks with XXXX XXXX XXXX XXXX and was refunded the money bank into his account. I even gave them all of this information but I am still to see the remainder of my money back. This money was set aside for a vacation at the end of the school year for my XXXX XXXX XXXX. That fell through. I am afraid to place any type of money in their now. They could look at my transaction history and this was out of the usual for me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 392XX
Submitted Via: Web
Date Sent: 2019-09-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-21
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Regions is reordering debits to account for profit, Last Friday I had 5 transactions, got breakfast at XXXX, got gas and soda, drove to a job, and had lunch ... .at that point I had XXXX in my account, in which I withdrew XXXX. Should have been XXXX plus the overdraft fee!. Except Regions took the XXXX XXXX out first and then overdraft everything from that day. The other issue I have is they do not reflex the actual transaction date, cuz they pend stuff to profit on overdrafts and apparently now it is a new policy to XXXX people over ... .well I had a statement from them showing, that apparently they have a new policy that does change the order but they have removed all my message from the online banking webpage and I am no longer able to send them one .... So basically they charged my XXXX XXXX first and all the others after, causing me to aquire XXXX XXXX overdraft fees when it should have only been XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37129
Submitted Via: Web
Date Sent: 2019-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-13
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX Regions bank fraud dept. emailed me to call them. When I did, they told me that they had closed my Debit card, because of a fraudulent charge, which they said they had refunded. They didnt tell me of any other charges that looked suspicous. By the time I got to the bank on the XX/XX/XXXX, I saw 4 transactions that I didnt authorize., on XX/XX/XXXX. Claim XXXX XXXX XXXX XXXX {$89.00} XXXX XXXX XXXX. {$79.00} XXXX XXXX XXXX. {$99.00} XXXX XXXX XXXX {$99.00} On XXXX, I got a letter stating that these merchants stated that they obtained my authorization, when I signed up for a trial offer. I looked up the merchants and called them the first 3 stated that they dont have an acct With my name, address, zip code or phone no. And I never signed up for any trials. Iron scalp doesnt have a web site, so I was unable to track them/ call them. I tried to send this information to the fax no. on the denial letter, including who I talked to, their phone no. also. XX/XX/XXXX, The bank manager called to tell me that the fraud dept. is still denying these.I have tried to contact the fraud dept., but each time I am on hold for 20 to 30 min. The branch mgr. stated, that even he cant get a hold of these people to plead my case. From the moment they put in my claim, the bank has been saying, that it was highly likely that I wouldnt get my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34698
Submitted Via: Web
Date Sent: 2019-09-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-11
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX I transferred XXXX dollars from my checking account to my savings account using bank app on my phone. On XX/XX/XXXX i noticed XXXX dollars was not in my savings but had gone into some strange account that was not on my app. I called the bank and i was transferred to, '' IT '' department. They said they would get back with me in 3 days and never did. I called back on XX/XX/XXXX and they were not willing to help me, saying it was all my fault. How can i make money go into a different account, when it is not an option on my app.. i dont even know the account and they said my account was linked to too many accounts. That makes no sense i only do my banking and not stranger banking. I would like my XXXX dollars returned to me immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 370XX
Submitted Via: Web
Date Sent: 2019-09-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was involved in both the XXXX & XXXX XXXX breach of security on XXXX & XXXX. Due to the both breaches my info was compromised & series of inquiries were placed on my report. Unfortunately, the inquiry placed on me were one of the unauthorized inquiry placed on my report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77339
Submitted Via: Web
Date Sent: 2019-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: DEAR CFPB : LAST WEEK REGIONS MAKE THE OFFER REISTAMENT TO AVOID FORECLOSURE WE SEND WIRE PAYMENTS BUT THEY REFUSE PAYMENTS TODAY I HAVE TO CANCEL MY WORK TRIP IN XXXX XXXX BECAUSE THIS PROBLEM. WE HAVE OVER USD XXXX POSITIVE ESCROW AND REGIONS FILE FORECLOSURE FOR USD XXXX PRE PAYMENT ESCROW?? THIS IS NOT NORMAL - REGIONS NEVER SEND ANY FORECLOSURE NOTIFICATION TO US WHY?? NOW WE SEND THE FULL PAYMENT AND WE DO NOT HAVE ANY RESPOND FOR THE REISTAMENT PAYMENT! SEE XXXX XXXX WIRE AND ELECTRONIC PAYMENT CONFIRMATION E CHECK USD XXXX Payment Detail Payment Type XXXX Check Payee Account No. XXXX Name on Account XXXX XXXX XXXX Payment Amount {$4000.00} Send Date XX/XX/2019 Expected Delivery XX/XX/2019 Reference No. XXXX Status Check Mailed Check No. XXXX Trace ID Memo loan XXXX XX/XX/2019 PREFERRED CHECKING ... XXXX REGIONS LOANS XXXX ... XXXX One-time - send now {$1200.00} XXXX COMPLETED WIRES REFERRED CHECKING ... XXXX REGIONS HOUSE LOAN ... XXXX One-time - send now {$2200.00} XXXX COMPLETED View transaction XXXX XX/XX/2019 PREFERRED CHECKING ... XXXX REGIONS HOUSE LOAN ... XXXX One-time - send now {$3200.00} XXXX COMPLETED View transaction XXXX XX/XX/2019 PREFERRED CHECKING ... XXXX REGIONS HOUSE LOAN ... XXXX One-time - send now {$3000.00} XXXX COMPLETED
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: 2019-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: this company is violating the fair credit reporting act by listing a fraudulent account which is not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66104
Submitted Via: Web
Date Sent: 2019-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-05
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: XX/XX/2019 Complaint Against Regions Bank Mortgage Process They Lied about the completion of an Appraisal causing me to miss out on an affordable home. Greetings To All, I am a former educator and currently on XXXX. Im presently residing in XXXX, Georgia. I applied for a mortgage loan through Regions Bank in XX/XX/2019. The home that I was attempting to purchase is located at XXXX XXXX XXXX XXXX, Georgia XXXX. The seller was only asking {$35000.00} for the home. The home was an As-Is property utilizing a USDA loan. I submitted all the necessary paperwork to my loan originator Mr. XXXX XXXX and was approved and paid for an appraisal fee of {$470.00} on XX/XX/2019. On XX/XX/2019, I emailed Mr. XXXX XXXX asking where was I in the loan process ; he replied : Just waiting to get the appraisal back. However, I was verbally informed by Mr. XXXX XXXX XX/XX/2019, that due to the low or unfavorable appraisal of the home my loan could not move forward unless the seller fixed the necessary findings from the appraisal ; ex holes in wall and light fixture missing ect ... I stated that some of those findings were not true and sent Mr. XXXX a picture collage of the 4 bedrooms 3 full bathroom home. We reached out to the seller agent XXXX XXXX and he said he would get back to us. The appraisal was supposed to have been completed by XXXX XXXX XXXX in XXXX, Georgia. On XX/XX/2019, I got an email from Ms. XXXX XXXX saying my loan had been conditionally approved by the underwriting team. However, also I got a call from Mr. XXXX XXXX on XX/XX/XXXX. Mr. XXXX said that he received an email back from Mr. XXXX stating that they would not be doing any repairs to the home prior to closing. Therefore, we could not move forward with the USDA loan and that I would get a copy of the appraisal report. On XX/XX/2019, after about month I called to find out when I would be receiving my appraisal report ; to my dismay, I was informed by Mr. XXXX XXXX that the appraisal could not be found in his files and that he needed to reach out to his supervisor. On XX/XX/2019, Mr. XXXX XXXX stated that the appraisal was not completed and that the {$470.00} appraisal fee would be returned to my card in 3 business days. On XX/XX/2019, I filed a formal complaint with Regions Bank Complaint Department. Because Regions Bank lied about an appraisal that was never completed. Had I not contacted the Bank on XX/XX/XXXX. They would have kept my appraisal fee and not having completed an appraisal. This might be an ongoing practice hoping that the consumer doesnt ask for a copy of their appraisal report. However, to add insult to injury ; I received a letter from the complaint department stating that my complaint has been investigated by the bank on XX/XX/2019. The letter stated basically that I lied and voluntarily stopped the loan process. I the entire response is fabricated! I am feeling somewhat slighted. Im also a 1st time home buyer who lost out on a property due to Regions Bank negligence. The house is now under contract by someone else. Ive been an educator for many years. Im currently on XXXX. I lost out on a property that was affordable {$35000.00} ; due to the untruth about an appraisal. Im somewhat confused about how they were able to give the seller a list of items that needed to be repaired prior to closing ; if they did not do an appraisal. I did everything Regions Bank ask me to do. Although, my appraisal fee has been returned ; more needs to be done to assist me with the finding and purchasing of a new home. This home was lost due to no fault of my own. I look forward to hearing from you. Thanks A Million!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2019-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Region 's bank has been my bank dating back 25 years to when it was XXXX. In XXXX I took out a personal line of credit to start a business. I quickly payed off the loan and as of XX/XX/XXXX I had not used this line of credit in over 2 years. In XXXX of XXXX, I asked a rep named XXXX from the XXXX XXXX XXXX XXXX XXXX XXXX bank to close this account for me, as it had had a XXXX balance for the previous two years. In XXXX of XXXX, I received a letter from Region 's stating that the account was 30 days past due. This was the first and only contact that I received from the bank and it came after the account was 30 days delinquent. After investigating, I found that the account had not been closed and that a {$50.00} annual fee had been added to the account without my knowledge or authorization. This fee was the only money due on the account. I have made numerous attempts to speak with Region 's corp headquarters about this issue and even had a letter written on my behalf from the manager of the branch in question. Despite my attempts to resolve this issue, Region 's has refused to remove this mark from my credit score. As of my XXXX birthday, this is still the only late payment that has ever appeared on my credit report and I do not believe that it fairly reflects my ability and willingness to pay my debts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34787
Submitted Via: Web
Date Sent: 2019-09-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A