Date Received: 2019-03-12
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: in XX/XX/XXXX I am attracted by work downtime calamities, going through a financial downturn in XX/XX/XXXX I request a request for forgiveness so as not to pay for the coming months 2 months I speak with the bank regions which the operator tells me that if I qualify for forgiveness and sent via email with the form, which was sent by me and I had no contact with them through email, I continue to send my monthly payments and in XX/XX/XXXX I find out the receipts that appear 2 months to pay which I hear that the letter of forgiveness was incomplete because the reason was not included in writing within the application, Now it appears to me reported in my credit record the 6 months as if I were trapped 30 days for each month ... that totally lowered my score which I am requesting a line of credit and I find out that all those months affected me totally having fulfilled their requests I need that please take into account the documents that demonstrate the fulfillment It is not good for me to report because of a communication error and not lack of payment or request from my partner.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2019-03-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There was a credit account opened in my name on XX/XX/XXXX thru the internet with Regions Bank and was funded by a XXXX $ XXXX XXXX. I originally called Regions Bank and was told actions were being taken to resolve this. A week later I received a card in the mail and called back to ask why I was getting this card if it was a fraudulent account. I was told it was because when I originally called they changed my address to my correct address because it was originally at a Regions Bank somewhere in Alabama that this account was made. I was assured that this account was getting closed and not to worry. I then put a freeze on my credit reports because I was getting numerous inquiries. I then found out the Regions Bank account was then somehow funded by a XXXX $ payday advance. I then went to a local Regions bank to try to resolve in person. That went nowhere and I was told to just resolve it with the credit reporting agency 's. I have tried to dispute this account twice with XXXX and the other 2 agency 's but, Regions Bank keeps verifying this as an accurate account. Please help me. I dont know what to do. Noone at this bank is helping me and trying to get this resolved with the credit bureau 's is impossible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2019-03-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a Regions credit card and was charged a few small charges. I had auto-pay set up to pay off that credit card from an Regions account. The credit card charges never got correctly paid and each time the autopay tried to pay the credit card bill, it was kicked back. I never realized that my small credit card bill was not getting paid off correctly like it always had been in the past. Regions never notified me- never called, emailed or told me in person this was happening. I made proper efforts to auto-pay my credit card from my Regions checking account and it was not applied correctly. Regions then proceeded to place a derogatory claim against my credit and severely lowered my once great credit score. My credit score was once XXXX and is now XXXX because of this error. A payment of {$60.00} that should have been paid via the autopay I had set up from my Regions account which has always had sufficient funds in it has now ruined my otherwise great credit. I pay off in between $ 20,000- {$40000.00} worth of credit cards every single month with zero late payments on my other credit cards. I went into Regions to try to resolve this issue and they blamed it all on me and were not willing to help in the resolution of this issue. I've attached documents showing several of my statements to clearly show my ability to pay and the willingness and attempts to pay via autopay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33606
Submitted Via: Web
Date Sent: 2019-03-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: We own a business called XXXX XXXX XXXX and we retained a credit card called COMDATA, which is a vehicle fuel and maintenance Master Credit card. With this card we get a small percentage off diesel pricing at certain fuel locations for our truck fleet. Phone number affiliated with the account is XXXX, however I, XXXX XXXX am an authorized user on the account and the one who has encountered many problems with their financial team. We recently retained this card approximately late XXXX, early XXXX. Since using this card, making payments has been a nightmare and dealing with their financial team is agonizingly painful. However, I would like to point out that their customer service team, before being transferred to their financial team is way better equipped with personal whose customer service skills are exceptional. With this company I have had to make payments over the phone as their website for online payments is a joke and no one is able to assist me in setting this up so I can make these payments online. Therefore, I must pay over the phone. My nightmare begins on XX/XX/XXXX. On this day I made a payment over the phone, for approximately $ XXXX- {$2000.00} ( confirmation given to me by company was XXXX ). Then, days later, my driver informed that the card was declined. Called COMDATA to find out why and they informed me that the payment made was declined for " Non-Sufficient Funds ''. Checked our XXXX XXXX XXXX account online and verified that the money was in our operating account for the business. Then, proceeded to call our XXXX XXXX and see what happened as online as per what I could see we had the money, and nothing was taken out. XXXX informed me that the money was there and that no transactions were made for this payment from COMDATA. I called back COMDATA, while I had my bank on the line and explained to the financial team that my bank was on the line and informed me that on the day of the payment request of XX/XX/XXXX the money was there. COMDATA 's response was that there was an account error and that the payment could not be processed and that it was not due to " XXXX '' that it was just what they call it when there is an error. I explained to COMDATA that there is a huge difference between the words " XXXX '' and invalid/error for an account. I was beyond angry at this point and lost my temper with the representative. Second nightmare, called again over the phone and had to talk with the financial team on XX/XX/XXXX to make another payment of {$3700.00} ( confirmation # XXXX ). On this day, COMDATA, a financial team representative, informed me that our account was locked and once the payment went through, they would unlock the account. Third nightmare, XX/XX/XXXX, called COMDATA again as our drivers had informed that the card is still declining. Called them to resolve our blocked credit card situation and was told by the financial team that a supervisor can only lift this hold and a " ticket '' needs to be opened to review which takes between 24-48 hours. Fourth nightmare, XX/XX/XXXX, called today and spoke with the financial team member named Chance who informed me that the ticket is still under review. When I asked to speak to a Supervisor, he indicated that no supervisor was available and that he would give my number to a Supervisor to call me back. I then asked him if he needed my number and he responded to me by saying the one on file. Asked him to repeat the number as I wanted the supervisor to call me back at another number. The representative was apprehensive to take down the number that I wanted the supervisor to call me back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22191
Submitted Via: Web
Date Sent: 2019-03-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-28
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Regions Bank Corporate Office XXXX XXXX XXXX XXXX, Alabama XXXX My father died in XX/XX/XXXX. He had purchased CDs from Regions Bank in XX/XX/XXXX totaling {$40000.00}. Regions name was XXXX XXXX XXXX at that time. Regions says that they have no record of these CDs. In XX/XX/XXXX, I wrote the Alabama State Banking Dept and Regions told them that they dont keep records on inactive accounts for more than 5 years. I then received a call from a Regions employee telling me that they dont have that money and not to contact them again about it. They say that they dont keep records past five years but dad also had an inactive checking account that was opened in XX/XX/XXXX and they had record of that account .so they do keep records.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35020
Submitted Via: Web
Date Sent: 2019-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I attempted to deposit a check at the local Regions Bank located in XXXX Texas that was missing a endorsement from the second party which was lien holder of my vehicle. The check was placed on hold and all of my accounts were frozen as a result. Ive spent a total of 5 hours trying to rectify this matter at the Regions Branch and on the phone. I contacted XXXX XXXX to cancel the check which they did. I was told once the check was either endorsed or canceled then the hold would be lifted from my accounts. I was lied too. Regions bank will not do their do diligence and are still holding the check after receiving proof its been canceled. These is Day 2 I am unable to feed my daughter and make any purchases.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75082
Submitted Via: Web
Date Sent: 2019-02-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-26
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have contacted XXXX XXXX XXXX XXXX about an issue with a XXXX they sent me which stated they had paid out {$200.00} to account that I had once I brought this to their attention they stated that now they are not going to pay this out and give me a XXXX with a XXXX balance I spoke with the XXXX XXXX and they took over a month to give me this resolution and I still have not actually received anything but they had already printed a XXXX with the bank seems very fraudulent
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46235
Submitted Via: Web
Date Sent: 2019-02-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-21
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I was shocked when I reviewed my credit report and found late payment on the date 30 days late as of XX/XX/2015 and XX/XX/2015. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 388XX
Submitted Via: Web
Date Sent: 2019-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I contacted the companies when I found out and they said I have to go thru the insurance company to get it removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30311
Submitted Via: Web
Date Sent: 2019-02-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: I checked my account on my regions mobile banking app and transactions were shown from deposits into my account of XXXX dollars and sent through cash app to an unknown name. Once I saw this, I locked my account and went to regions and explained my situation. Regions bank investigated the situation. They got back with me and said they will not give me any credit for the claims and I was left with my savings account left in the negatives for XXXX that I have to pay back to the bank to get my account out of the negatives. These transactions happened XX/XX/2019. I can not pay that money back because I do not have the money because I am a XXXX XXXX and I am not working right now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 394XX
Submitted Via: Web
Date Sent: 2019-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A