Date Received: 2018-11-21
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Regions bank Collections is calling for a debt not owed, but misapplied by Regions employees in the Regions bank system. There is an elderly person at our number and the calls are interfering with ability to provide adequate and appropriate in home health care. Two Regions Collection agents over the past week were told no payments were due and the account up to date based on in person visits to bank branches over past two months. The first Collection agent spoke as if she took the information in a responsible manner and would follow up on status. Today 's Collection agent was clear after being told the above he did not care about the information we shared. He attempted to be intimidating and rude in the manner of a Collections bully. Two payments were misapplied within Regions over the past two months : one on bank deposit boxes, and one on the personal line of credit loan. We went into a branch again today and found Regions employees misapplied our payment to the wrong place. They said their system showed ( 1 ) a {$90.00} outstanding due on what they term " the personal line of credit loan '' and ( 2 ) a credit of {$270.00} on what they call " the personal line of credit account ''. This is the same thing : the Regions Personal Line of Credit. What happened in Regions system is the loan payment was applied to the annual fee for the personal line of credit account. It is likely the payment for the annual fee was applied to the personal line of credit loan. We asked Regions main branch to process paperwork that no phone calls are to be made again, but communication in writing. We need to ensure Regions Collections does not process notice of late payments or other negative credit rating information against our accounts to any credit bureau.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35401
Submitted Via: Web
Date Sent: 2018-11-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX I applied for an online loan with XXXX XXXX. The same day I was told I was approved and that my funds would be deposited into my checking account. Around 2 days later I was able to see my deposit but for some reason I was unable to have access to my funds. Since it was the weekend and Monday was a holiday I wasnt able to speak with someone at the bank until Tuesday. In between that time I was in constant communication with who I thought was an employee at XXXX XXXX. The woman from XXXX assured me that the reason I couldnt touch the funds was due to the bank putting a hold on it. By the time Tuesday came around I was overdrawn about {$1900.00}, I immediately contacted Regions ( XXXX, AL ) as well as their fraud department. They were supposed to put a freeze on my account and any other payments trying to be processed and told me that I was in fact scammed. I called my contact at XXXX and the number was disconnected. I go to my bank Wednesday because not only did I need to speak with someone regarding my account but they never put a freeze on my account and the scammers were able to withdraw another large amount of money on Wednesday. My total amount that I was scammed for was {$3900.00}. Not only did I not have those funds to begin with but the bank also told me that there was nothing they could do because I willing gave them my information even though it was a scam. I am on fixed income, Ive had to close my account and now Regions bank is telling me that they will keep my fixed income check that was supposed to be deposited into my account to make up for what the scammers got. I am outraged and in disbelief that Regions has not only kicked me while I was down but added insult to injury. I have been a member of Regions bank for over a decade and would have never imagined such treatment since I have always thought highly of this institution. I have no other means of income and they actually expect me to be without income for a month. I dont believe I should be held responsible for this I wasnt aware that I was being mislead. I have contacted an attorney regarding this matter and will be filing a police report as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35805
Submitted Via: Web
Date Sent: 2018-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-18
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Regions Bank Closed my account and charged it off. I rented a XXXX a year and months ago, I paid the amount that was supposed to have been paid. However due to a mixup in trucks, XXXX charged my card over {$800.00} dollars. I tried to dispute it with Regions, they would not let me dispute the charge. I thought the bank I trust with my money was supposed to protect my funds. They tried to force me to pay them over {$800.00}. I refused, so they not only closed my account, but they have sent it to a collection. For an amount of {$370.00}. These are unethical practices for a financial institution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78749
Submitted Via: Web
Date Sent: 2018-11-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-15
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I worked at Regions Bank from XXXX until XX/XX/XXXX. I will keep this about the alleged credit card that Regions is reporting as past due account due to charge off. My name is XXXX XXXX XXXX, credit card was a Regions personal credit card ending in XXXX. One of the Reasons I left Regions was there investigation into my personal LLC XXXX of the reasons why I quit the bank. Back to this case however, I closed all of my Regions accounts ( except my mortgage, and retirement IRAs with Regions ). This specific credit card was closed by XXXX XXXX who is the Assistant manager in the XXXX IL branch. Regions claims that I mad some small charges for a direct pay I had on the credit card. I cant remember which company tried to pull money but Region ( most likely the software used ) reopened my account paid it and then left the account open. My email address was set up as XXXX and apparently my statements kept going to the XXXX branch after I left the company. Regions claims they sent these to my home address which is a false claim. I did receive ( will attach ) a letter to my house for official notification of charge off that they state in the letter will affect negatively my future credit and my ability to apply for credit in the future. ( Well they were right about this one ). This sole act by Regions has sank my credit score over 100 points. They apologize for my inconvenience but state they wouldnt remove. All I wanted was a civil end to this credit card but the Legal Department stated ( will attach ) that I am basically liable and they will not remove. Ok well that was an easy answer for them and they brought this claim on themselves by not help a current priority customer and ex employee. The letter I recieved on or account XX/XX/XXXX was form XXXX XXXX ( Senior Vice President ). Regions Bank. Being that I worked there I emailed him directly and he referred me to the legal department in which I tried to settle this matter with. I guess it was just to hard for them to remove so they stated AGAIN that it was my fault. 1st off I had an XXXX fico score. Why in the world would I not pay that amount. I paid the balance in full in the amount of {$310.00} in cash at the XXXX IL branch. A tell applied the payment. I dont feel like I owed this amount but I couldnt afford a charge off. XXXX XXXX is the person who contacted me from the legal department at Regions. Regions claims to have sent me 4 statements showing me past due to my residence ( they did not SEND ). There XXXX computer is wrong on this and was wrong! To reopen my credit card account with out my knowledge. Those charges should have been refused not accepted by Regions. Regions I feel has really gone above and beyond to hurt my credit, my business credit and my standing at the bank. I almost feel this is retaliation from two former bosses of mine XXXX XXXX, XXXX XXXX, the XXXX XXXX. I can go into detail why these individuals are not long in XXXX XXXX managaement but I want to just have this REMOVED and by Removed I mean elimated that I ever was a holder of this card. At minimum I need my credit reported correctly by Regions to the 3 credit reporting agencies ( XXXX XXXX, XXXX, XXXX ). This could have an easy solution but it seems like Regions doesnt want to take this simple solution. I will not quit this fight ever until Regions removes this off of my credit report. I have also contact my personal attorney in XXXX XXXX IL. He suggested I ask first and then if no answers we would fight this in court. I however would just like it removed. Its not the hard Regions I worked there.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 620XX
Submitted Via: Web
Date Sent: 2018-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-14
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: By the end of XX/XX/2018 I submitted an application for a credit card in response to an offer from REGIONS. On XX/XX/2018 Regions sent me a letter in which the bank states that " after carefully reviewing your application, we regret that we are unable to approve your application at this time ''. According to that statement key factors that adversely affected my credit score were : 1.- Length of time retail accounts have been established is too short. My average length of time in those accounts is 10 years or more. 2.- Too few active mortgage accounts. I do not have any mortgage account because my properties ( 3 ) have been paid in full. 3.-Insufficient prepayment activity on installment accts over the last year. 4.- Too few recent balance in full payment activities. I pay all my balances in full before the due date. Never in my life I have been denied a credit card before by any financial institution. My credit score is second to none and my FICO score is XXXX. I wander if this is a case of XXXX discrimination since I am of XXXX origin.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33180
Submitted Via: Web
Date Sent: 2018-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. REGIONS BANK XXXX XXXX {$250.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2018-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-11
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX, the day before my paycheck was direct deposited, I received notice that an overdraft protection of {$300.00} was being transferred from my Regions savings to my checking account to protect me from being overdrawn. I knew I had a few XXXX dollars in the account and was not overdrawn. I looked immediately and noted two ATM charges ( first for {$100.00} and second for {$300.00} that had been posted the same exact day on my statement at two different banks -- listed at BRANCH BANKING XXXX # XXXX and XXXX XXXX XXXX ). I called the Regions line and spoke to a rep on XX/XX/XXXX. I still had my card and no one had authorized use of it. I was told by the rep that someone had likely cloned it and taped me using my PIN. I completed everything that was asked of me over the phone and completed the paperwork sent to me the next day. After ten days, I received notice that Regions was not crediting me back the money because I was still in possession of my card and no police report of stolen card had not been filed. I had been told by the rep Regions would handle the matter. I was not asked to report the card information stolen. I followed the instructions given to me by Regions and was told they would handle the matter. This is insane. I did not use my card. I have not even been to XXXX in months. I was at work from XXXX until XXXX XXXX on XX/XX/XXXX. I reported the card issue immediately. In addition, I had already placed a 90 day watch on my account due to several data breaches that had been reported. I watch my accounts. I am diligent about protecting my information. I have had this account for over 15 years. This has never happened and I do not feel I am being treated fairly or that the bank did due diligence in investigating the matter. Every bank has ATM cameras. They know when the transaction was made. It should be time stamped on the video. I was a victim of fraud and now I feel like the bank ripping off a long time customer just because they can. I would like to know what my options are and would appreciate any assistance you can provide. Sincerely, 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: 30132
Submitted Via: Web
Date Sent: 2018-11-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-09
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: On XX/XX/XXXX I used a non Regions ATM 3 times to withdraw money, but then I tried to take out an amount I believed to be in the account and it was declined several times and, despite the transactions not being approved, Regions Bank still charged me for them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32277
Submitted Via: Web
Date Sent: 2018-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-09
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I worked for XXXX XXXX, XXXX XXXX, CA and on XX/XX/18 i was paid with a Camdata debit card for the amount of {$540.00}. When i tried to withdraw the money Camdata took away the sum of {$27.00} instead of {$3.00} stated. I have made repeated calls but they will not refund or explain why in one transaction the amount is taken away for my payroll. This not fair as the amount is exorbitant. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90018
Submitted Via: Web
Date Sent: 2018-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-07
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: On XX/XX/2018, I attempted to withdraw the sum of ( XXXX ) from the ATM on XXXX XXXX XXXX XXXX CA XXXX using the Comdata card provided to me. And the amount of ( XXXX ) was the only thing dispensed, but it debited me ( XXXX ) not only once but twice the ATM displayed an error on the screen. I went to customer service in that store and I was advised that I needed to contact Comdata to work it out with them since the atm was not theirs and that they had nothing to do with it. I immediately contacted Comdata and was connected to a customer service representative. I was advised that a dispute would need to be opened and that I would be hearing from someone within a few days. On XX/XX/2018 after not hearing from anyone, i called them and they said that by the XXXX i would get my ( XXXX ) refunded back in my account i called on the XX/XX/18 since it was already XXXX and nothing apeared on my account and so i was told that if the next day i didnt recieve anything to call again.. I was provided a case number and was told that I had to write to them to get any additional information, which I did. And. So i checked the next day and nothing on my account i called them again and now they said that that kind of dispute could take up to a month so i had to wait. On XX/XX/2018 i called again because i still havent gotten refund my money and they escalated the case and told me to wait 24-48 hrs. Its now XX/XX/2018 and still nothing these are payroll funds that are necessary to pay household expenses. I have been more than patient, but I still have no resolution to this. I need some assistance to get my payroll funds back to me immediately. Im tired of waiting i think i have waited enough time already
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92844
Submitted Via: Web
Date Sent: 2018-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A