Date Received: 2019-06-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I applied at Region 's bank in XXXX, Alabama for a line of credit. My credit score at that time according to XXXX was XXXX, my credit score on Experian was/is XXXX. Region 's Bank denied the loan based on a false credit score of XXXX. I have never had a credit score of XXXX. I have gone to the bank and tried to find out what the problem is. First I was told that I must be mistaken, then I was told that the underwriter said that it was our problem. The branch Manager XXXX XXXX, has not been able to answer my questions. I was told by XXXX this past Friday evening that he would talk to his boss about this. Since that time I have heard nothing from Regions. I believe this is defamation of character and falsification of records. I can not have the same credit score I had because it has taken a hit from Region 's. My credit score is devalued. Please look into this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2019-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I spoke with Region Mortgage advised them at the begin of XX/XX/2019 that they are reporting to all three Credit Bureaus the my account is currently in past due status which is incorrect. They stated that on the 7th of each month the bureaus are updated. As of XX/XX/2019 my account because current. As of today XX/XX/2019 Regions has only updated XXXX that my account is not past due.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64130
Submitted Via: Web
Date Sent: 2019-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-12
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: I had an account with Regions Bank and the bank charged overdraft fees on the account. The charge off date was XX/XX/XXXX and the balance was - {$210.00}. The balance on XX/XX/XXXX was - {$470.00}. I don't have any records of how the bank arrived at the current balance. I made a payment of XXXX on XX/XX/XXXX and another payment of {$100.00} on XX/XX/XXXX. After requesting copies of the final bank statements, I realized that I was basically paying bank fees and decided that I would no longer pay on the account until I received proof the debt was owed. On XX/XX/XXXX, I received a letter from XXXX XXXX, XXXX offering a reduced balance opportunity to pay the balance off at 35 % in the amount of {$120.00} within 60 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32312
Submitted Via: Web
Date Sent: 2019-06-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-11
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I have a prepaid card issued by Regions Bank. On Saturday XX/XX/2019 at XXXX I tried to deposit XXXX on to the card at their atm at XXXX XXXX XXXX, il. It took the money and never closed the cover, therefore in order to get my card back I had to cancel the transaction. When I cancelled the transaction the cover shut did not give a receipt stating transaction was cancelled.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 618XX
Submitted Via: Web
Date Sent: 2019-06-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-10
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I have been charged an {$8.00} dollar service fee by Regions Bank since XX/XX/2015 when I opened my account. I have made regular weekly deposits between 500-750 dollars, which should be sufficient enough to avoid a fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 374XX
Submitted Via: Web
Date Sent: 2019-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-06
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Opened accounts this yr, unable to get info on phone or by app. Teller distespectfull, balances hidden and charge 4 overdraft fees over 4 charges that had positive balances XXXX to XXXX only last three, I do not plan on paying they could not treat customer right and insinuate would steal from a safe box, as a CEO at the bank past 6 months, or something about mating it..the ladies are crooks and liers.i want this record erased. XXXX. XXXX died he ran XXXX XXXX but they say the got him I knew him but I'm not going to be bossed here.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39465
Submitted Via: Web
Date Sent: 2019-06-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2019 I requested a loan upon my request a company name XXXX XXXX XXXX gave me an offer of XXXX I then excepted.Qualifications was thru routing and account # which I gave to the customer service representative.Then on XX/XX/2019 a XXXX dollar amount was added to my account which I checked on my mobile banking account.This wasn't the amount XXXX XXXX XXXX agreed on the loan amount so I called them to decline the loan.I withdrew XXXX from my account to send XXXX XXXX XXXXL they're money back.2 days later Regions bank notified me to say there was a fraudulent check put in my account.If a check was deposited why did it show up as a cash balance not a check that has to clear before it was shown on my account as XXXX added to my account.My account was froze and I couldn't get access to my money.I feel I should be reimbursed because this was supposed to be handled as a check not cash.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33056
Submitted Via: Web
Date Sent: 2019-06-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Regions Banks are reporting that account was opened on XX/XX/2015 when this account was declined but was reported to XXXX XXXX XXXX XXXX I have never had an account with Regions Bank and they are reporting inaccurate information that may have other financial institutes decline or refused to extend me offer for the next 7 years. Regions Bank pleae provided all methods used by you to report this as accurate to XXXX XXXX XXXX Account Number XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75220
Submitted Via: Web
Date Sent: 2019-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Upon checking my credit report on XX/XX/XXXX, I observed unauthorized hard inquirys on my credit report with XXXX, XXXX and XXXX from a unknown companies such as XXXX XXXX XX/XX/XXXX, Regions and XXXX XXXX XXXX XXXX XXXX. These hard inquirys was not authorized by me and was done without my consent. I have been a victim of fraud a while back and periodically check my credit report. I am requesting for these companies/ creditor to remove any inquiries associated with these companys above from my credit report. Attached is document showing that is on my credit report from all 3 credit bureaus and is damaging my credit. I have no service with them, havent applied for any service with them nor have any obligation as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33157
Submitted Via: Web
Date Sent: 2019-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-31
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Saturday XX/XX/2019, I tried to deposit money into the OUTSIDE Regions ATM where the machine proceeded to snatch {$300.00} of my money and spit it out. I then tried to straighten out the bills and reinserted the {$300.00}. The ATM screen then turned Black and said shutting down. The atm machine still had both my card and the {$300.00}. It rebooted and kept both my card and the {$300.00}. No one knows how to fix this and I want my money. We are now on the verge of losing of losing things
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 363XX
Submitted Via: Web
Date Sent: 2019-05-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A