Date Received: 2017-11-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account is not mine. It belongs to someone else and I am simply an Authorized User. I have requested 4 times that this account be removed from my credit report. It reports many late payments and is hurting my credit score and keeping me from qualifying for a home mortgage for my family. I am single mom.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75032
Submitted Via: Web
Date Sent: 2017-11-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Our company had a commercial fuel card account with XXXX XXXX ( aka XXXX XXXX ) in XXXX Ga. We closed the account around XXXX of this year due to nonstop bogus charges on our invoices. They would automatically sign us up for programs that we did n't want or make up new fees and we would have to call to get them removed and credited back to our account. For example, on XX/XX/XXXX we were charged {$430.00} for high risk credit fee. This was not triggered by a late payment. When we called to dispute the charge, we were told that their computers crashed and to call back the next day to have it removed and we did. They also swapped over to a new online system around the beginning of the year which delayed them sending invoices and they sent a notice ( included in attachment ) stating that they would extend due dates because we could not pay the bill online until their system was fully functional. We then mailed a check on XX/XX/XXXX in the amount of {$25000.00}. Due date was XX/XX/XXXX. As of XX/XX/XXXX the check had not cleared and we were charged {$3600.00} late fee, XXXX interest, and they signed us up for a program called clean advantage for {$360.00}. Again we called and they agreed to remove and credit these charges on the next billing cycle along with {$5.00} bonus fee, {$15.00} check fee, and {$4400.00} minimum program admin fee. The last invoice received billing date of XX/XX/XXXX, all charges were removed except for " clean advantage '' fee of {$410.00} and fuel charges of {$440.00}. I called to ask what clean advantage was why we keep getting billed for it. His response was " let me email you the information so you can look at it ''. After looking at the email ( included in attachment ) while he was on the phone I learned that this program is designed to fund projects to help reduce C02 emissions by planting trees and develop recreational space for people to enjoy. I asked him to remove the charge that we never asked for. He said ok and I was given reference # XXXX on XX/XX/XXXX. This was the last invoice received from this company and the account was deactivated. After hours spent on the phone correcting similar issues each billing cycle, we determined that this company is unethical in its business practices. XXXX XXXX XXXX have been flooding with complaints about this company with similar issues. We signed up with a new fuel card company and have had ZERO issues or surprise fees. 6 months have passed and we received a call from a collection agency on XX/XX/XXXX trying to collect a debt from universal fleet card. The amount is for {$1500.00}. We have no clue what this is for and when we asked the collection agency to send a breakdown of charges their response was " no going to happen ''. This person was very rude as well. Then we received a letter from XXXX XXXX collection agency dated XX/XX/XXXX collecting debt for same amount. I assume these are the same people that called. We do not owe this debt. Our last invoice was paid on XX/XX/XXXX and we have n't received anything from them since. I called XXXX XXXX on XX/XX/XXXX to get a breakdown of the {$1500.00} but they were not willing to help me and said that I need to go through the collection agency with any questions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2017-11-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My name is XXXX XXXX XXXX. I am XXXX XXXX XXXX XXXX female. I writing to request that the information that is on my credit file be corrected immediately, which is causing some of the problems of me obtaining credit and obtaining a business bank account, which I tried to get and failed obtaining from Regions Bank. The business that wrote me instead of Regions Bank was XXXX XXXX XXXX, which I do n't know anything about and should not have any dealings with or they should not be trying to falsify or make me uncreditworthy by placing false information on my credit file. The address for XXXX XXXX XXXX is XXXX. XXXX XXXX XXXX Alabama XXXX. The phone number for this bank is XXXX. There is another business I wish to give information about the address is for XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NJ XXXX. The phone number for this company is XXXX. Then Regions tells me that my credit score is XXXX, which is the worst score you can give a person trying to get a business bank account and trying to buy a home at the same time. I am trying to buy a home, due to living in lapidated housing and, I am trying to get a business bank account, because I am trying to get my business to become financially stable. Also, if possible I was trying to obtain a FHA loan or HOYA grant and loan from Regions, but that is not possible now, due to the lie of XXXX XXXX XXXX. Then Regions just basically agreed with them and reported a lie as truth on my credit record, which has hurt my business financially and me personally. I am asking that you help me to get rid of this fraudulent information that XXXX XXXX XXXX has on my credit file and that Regions Bank has put on my credit record in XXXX XXXX to prevent me from obtaining a business bank account or obtaining any type of credit or cashing a check. Basically, not able to live and exist as a human being should exist. I feel these companies not only violated my civil rights, but also, discriminated against me for no good reason at all, which was based on false statements of a fictitious mortgage ; therefore, hindering me from obtaining credit for me, for my business, to pay bills, to cash checks, to get a line of credit, my poor credit score was due to false information from XXXX XXXX and I will not be able to purchase a house or to move out of my lapidated apartment on XXXX XXXX XXXX XXXX XXXX. XXXX . XXXX, XXXX MS or inhabitable dwellings in XXXX MS that is unsafe and unhealthy for me and my family. In addition to what I have stated, the reason I am writing this information, due to the harmful nature of this fraudulent financial information on my business financially and me financially that is intended to give me a poor credit score, so I wo n't ' be able to obtain credit from Regions Bank or any other business bank account for that matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39209
Submitted Via: Web
Date Sent: 2017-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-09
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On Monday XXXX XXXX XXXX I made XXXX Transaction of XXXX and XXXX which were taken out my account. then the next I transferred XXXX to my personal account then I paid my credit card via debit card for XXXX. So the bank decided to hold all of my first transaction till the largest one went thru, then they proceeded to allow them to go thru so the can get the fees. this has happened many times in the past and they have stated to me that they feel the largest one is the priority
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32808
Submitted Via: Web
Date Sent: 2017-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-09
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for my first mortgage against a home in XXXX XXXX of XXXX. This was the first mortgage I had applied for, and the first mortgage that was going to be placed against my home. I needed to do some home renovations and updating. I filled out the application online with Regions Bank. I had XXXX existing accounts and a credit card with them, and had zero problems with them prior to this. I applied for a home equity load and within the week, and my fiance and I went into one of the local branches off bernedette to sign the application paperwork so I could get the process beginning. I had been preapproved for {$40000.00}, had a credit score of almost XXXX on my transunion report and a flawless payment history. I was told there was about {$80000.00} in equity in my home, the title was clear, and elected to take out a loan for {$35000.00}. I looked over the application and noticed it was for a home equity line of credit, and questioned this with the " personal banker '' XXXX XXXX. He said that a HELOC and home equity loan applications were the essentially, same process ect. He said the difference included a variable interest rate, that I did n't have to take out the full amount all at once and the draw/payment process. He said that at any time I could roll it over into a traditional home equity loan with a fixed rate and structured payment set. I signed and was out of the office in 10 minutes. He did n't give me a time frame on the amount of time it would take but a rough estimate of 3-4 weeks. So I waited. After 4 weeks, I had herd nothing from them so I called the XXXX number for online applications and inquired. I was told that I was approved pending paperwork, and was told that the local branch would be in contact with me to process this. I schedule some concrete work that needed to be done before winter came, assuming that I was approved. After another 2 weeks, now 6 weeks after applying, I still had herd nothing on signing the paperwork so I called again. Initially, they could n't find an application on me at all. I called the following day again and did some checking, they researched it, found it, and had me contact a loan XXXX at a different local branch in town off XXXX XXXX. I called and scheduled a time to meet a day or 2 later. When I met him, he explained to me that the previous banker that had helped me sign paperwork was let go a week or so after I had gone in to sign paperwork. He already knew that I had been approved, it was just pending signing paperwork and with the shuffle of terminating the previous employee, my paperwork got lost. I explained that I had been waiting over 6 weeks and needed to get some work done on the exterior before it got too cold outside to do it. He told me to take out a personal loan, and then when the paperwork for the home equity loan went through that they would just pull money from that to pay back the personal loan and it would n't adversely affect my credit. I agreed to the personal loan. and he said he would be in touch with me in the next day or two to sign home equity loan paperwork. By the end of the week I had n't herd anything back. I contacted again the local branch off XXXX again, he said he would check into it and call me back. The following week he called and said that the only loan XXXX that was available for me to sign had lost his daughter and wife in an accident the prior week, but the loan XXXX was going to come into the office on bernedette that day to sign paperwork with us. I met him over my lunch break went in and waited to meet. We sat for and waited almost an hour before he called us back to his office. He had the paperwork sat out told us to look over it, initial and sign where it was highlighted. He was stoic, and did n't ' explain much of anything. We asked about an insurance and taxes on the house he said we had to pay the insurance but the taxes would be paid out of the loan. We asked about the refinancing and said that we could refinance and take out more if needed, and as long as it was with regions there would n't be any charge backs for closing costs. We signed he said we had 72 hours to call and cancel, but then followed up that if we did cancel, we would be responsible for the {$8000.00} personal loan to be paid back in full by the end of the month. We ended up needing to use almost the entire balance of the HELOC to do the remodel, I started to get tax notices in the mail that needed to be paid. I called in XXXX about the tax notices, they said that it sometimes happens with new loans that the address does n't get updated and the notices get sent to us She gave us an address and a fax number to send them to and told us it would be taken care of and if we got anymore to just forward them on. My fiance had an accident at the end of XXXX and we had to get a new vehicle. In XXXX, we found out we had to pay sales tax on the new vehicle, I wanted to refinance my credit cards and we needed to finish renovations, so I called to refinance the heloc. I was told that I had to wait 6 months before reapplying for the finance. I though this was strange that I had to reapply as I was told I I could just refinance with no problems, but waited a couple of weeks to apply again. I called again a couple of weeks later to apply, did so over the phone and was denied. And was told it was because heloc was so new and not established yet. I was let go from my job about 4 weeks later in XXXX XXXX of XXXX. I scraped, not once falling behind on any of my bills and finally was able to regain employment the end of XXXX. I decided then try reapplying with another company, XXXX loans in XXXX. I filled out my application, and spoke with them. They denied me because I had n't been with my employer for at least 6 months ... In XXXX of XXXX, I recieved a notice that my house was going to be put up for Tax Auction later that year in XXXX for nonpayment of taxes. So I called regions to figure out what was going on. The representative told me that I was responsible for the taxes and insurance on the home and that with any HELOC, there is not an escrow nor did the bank pay them because they 're placed as XXXX mortgages on the home. And the primary mortgage had the escrow account that paid the taxes and Regions was n't responsible. I explained that it was the only mortgage on the home, and there was n't a primary she said it did n't matter and suggested refinancing it into a traditional mortgage. I waited the 6 months like quicken had said to do and in XXXX of XXXX, I needed to get some of my debts consolidated and pay the almost {$2000.00} in back property taxes now owed. My XXXX XXXX was dropping and refinancing looked to be the best option to relieve this. I called Regions again to refinance, explained the situation and was sent to the XXXX XXXX XXXX department. I told him my situation, that I needed to refinance the XXXX, get my credit cards paid off and explained the tax situation. I asked for an additional {$10000.00} on top of the {$32000.00} for the credit card debt and taxes. He told me that it should n't be a problem, with over half the equity still available and he could help. That it should n't take long for the credit report to come back and for him to speak with the loan officers on staff, and I waited on hold. He then came back on the line, and said that I had been denied, that my revolving balances on my credit accounts, including the regions HELOC was too high, and my income of {$40000.00} a year and credit score of XXXX was too low to refinance. I panicked. In XXXX I saw a commercial for an FHA backed refinance that was suppose to be for people with lower credit scores and income. I called XXXX XXXX, explained the situation, and they claimed they would be able to help. Went through all the paperwork and they order an appraisal of the house. I waited about XXXX weeks after applying and getting the paperwork for the appraisal, and he came out and accessed. XXXX XXXX came back after the appraisal that there was an unfinished bathroom, some places where drywall needed to be repaired and the house needed flooring, all in all about {$6000.00} total to finish the work before they could proceed. I did n't have any way to finish the repairs so I canceled the refinance. Shortly after canceling the refinance, I received another notice of the tax auction paperwork and called regions corporate office in XXXX of XXXX. I explained my situation to a lady in the department that deal 's exclusively with properties up for tax auction. I explained my story from beginning to end to her. She apologized over and over again for the situation Regions had put me in and decided to talk to somebody higher up to see what we could get done. I was contacted in XXXX by XXXX XXXX, a regional XXXX for the XXXX 's in my area. He had gotten the complaint and wanted to meet with us to make sure he understood everything right. I called and explained the situation of what happened and he elected to meet with us. We met with him XXXX XXXX at a local branch off XXXX. We once again explained the situation from beginning to end, and he apologized for all of the trouble we 've been having and wanted to see what he could do to make things right. The only thing we asked for was a refinance with cash out to pay off some debts so I could get my finances back under control. They were spiraling out and I did n't know what else to do. He mentioned that he recalled the loan XXXX losing his family, and the one employee being let go. He said that the HELOC 's are handled by a different part of Regions all together. There was a XXXX Mortgages and a Regions Bank. The HELOC was through the bank, and it should have been a home equity loan through the mortgage side. He said the only hangup now was the minimum XXXX being required on my credit score. He had us meet with a mortgage office, XXXX XXXX at the location off burnedette who pulled my credit score and it was at XXXX. He said there was n't anything he could do but he would relay the information on to XXXX and he would be in touch. XXXX called the following day and said that we needed to get some of the credit card debt paid down. That would bounce my credit score past the XXXX to refinance. He said he could n't do any form of debt consolidation loan for us and refereed us to a gentleman at XXXX XXXX giving us his name and number. I contacted onemain in XXXX of XXXX and got a plan together to get my credit cards paid down through a loan with them. We took out {$6000.00}, enough to pay the taxes and half my credit card debt, and paid them down. I took out the loan thinking it was going to be a short term loan and would turn around pay it off with the refinance. I waited for my credit scores to bounce back, and in XXXX of XXXX I contacted XXXX again. He had me meet with XXXX as before and I filled out another application. I was denied again, this time because my credit score on my equifax report was XXXX. My transunion report showed XXXX and experian showed XXXX, but the mean score was just below what they said was required. This still baffles me because this was shortly after it was released that equifax had the huge data breech. None of my accounts had updated on equifax since the Spring. I had also found a new job with a starting salary of {$48000.00} and still have perfect payment history. On top of all this, I 've had to call XXXX XXXX since XXXX of XXXX because they keep billing me for an 90 day insurance policy costing {$1600.00} on my home. My homeowners insurance has never lapsed and I 've been continuously insured since I got the home in XXXX of XXXX. I have faxed the paperwork as has my insurance agent. They will take it off, and then I see it charged again the following month. I 'm at a loss now as what to do ... I fear for losing my home as I 'm struggling to make ends meet as is. I did everything I was suppose to do, listened to what each representative from Regions was telling me to do followed through with what they were suggesting. Now on top of everything I have an additional {$270.00} a month loan payment with the additional credit card payments and the heloc. I was n't budgeting for all these, because it was suppose to be paid off They threatened in XXXX to close my credit card account, that of which has never been past due for a payment and only at 50 % credit utilization. It 's my longest open credit card account and would have damaged my credit every further had it been closed. I had to fight and fight to get them to keep that open. Bottom line, I followed the rules and researched, applied for a home equity loan, took the advice from the banker under the impression that it could be rolled over into a traditional home equity loan at any time with no problems. I was explained nothing by the mortgage office, who in my opinion should n't have been allowed to sign any paperwork with anybody under his personal circumstances, and pressured to not to reconsider under the 72 hours reconsideration time frame because of the personal loan I had taken out. I was told that the property taxes were going to be taken care of and they have n't been. Even after finding out I had to reapply, I tried reapplying 4 different times over the course of 18 months, but was denied because of the factors directly related to the HELOC. Called corporate and met with a regional XXXX who apologized for everything and wanted to make things right. Followed his advice, took out a different loan that I 'm now stuck with because, yet again, I was lied to and told incorrect information. My fiance is XXXX and I 'm barely keeping my head above the water and I do n't want to lose my home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65202
Submitted Via: Web
Date Sent: 2017-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: The transactions are not in order and some are not processed immediately unlike others and it seems weird.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2017-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-07
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX made me a loan and the loan offer told me that I could get up to XXXX after 6 month of payment history and after the 6 month me and my wife went to get the XXXX loan she change her story around from what she told us. then she said we could get a lower amount XXXX and when we was to get that amount she change her story again it wasXXXX she was very nerves in doing the business very little eye contact and unasured of her self. after leaving me and my wife look back over the paper work and the instrest rate was to high so on XX/XX/XXXX was the date of the contract and when we did sided to dispute the contract and i email XX/XX/XXXX on their website to let them know that we were disputing the contract on XX/XX/XXXX then I went down to regions bank and stop payment on XXXX XXXX XXXX XXXX payday loan the fraud department did not call me back as the said they would. then a made other attemps to their home office XXXX XXXX, Al office to let them no we stop payment as well. and other i talk with in XXXX, Ohio, XXXX haver a file on record of me trying to resove the matter and they turn the offer down. Regions bank will be getting this for the first time to try to resoved this matter with them invoded in this matter which they play a big part in because they wer my bank and they let XXXX XXXX XXXX get away with my money to cause me hardship in this matter I also will be uploading written paper to give more information on this matter as well. regions vice president refuse to give me a copy of my complaint that I file with him on the matter I need that complaint that tell who all had some thing to do with regions mangement team that allow the to happen to me and what part every noe played that why i need jusice in the matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35244
Submitted Via: Web
Date Sent: 2017-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I recently realized I lost my check card, and upon checking the account, I noticed Check Card transactions which were not mine. I called my bank, Regions, immediately to report the fraudulent transactions. I received an affidavit form back, which they did not ask me to sign. In addition to the fraudulent transactions, they included several transactions which were actually mine. I faxed the affidavit form back with the appropriate corrections. I just received a letter in the mail dated XX/XX/XXXX, stating that the bank has determined not to provide me a credit for any of the fraudulent transactions ( see attachment ). This is a clear violation of the Electric Funds Transfer Act, which limits my liability to {$50.00} on transactions I reported as fraudulent, because I contacted my bank within 2 days. Additionally, the bank charged me a {$250.00} excess activity fee on XX/XX/XXXXbased partly on these fraudulent transactions. Approximately one year ago, the Bank had charged me an excess activity fee based on their attaching my debit card to the wrong account. At te time, they mailed me a letter saying they were changing my account type so I would not be charged this fee again. Inexplicably, they charged me an excess activity fee this time for transactions which were not even mine!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35405
Submitted Via: Web
Date Sent: 2017-11-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-02
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: My account was charged several overdraft fees totaling {$260.00}. My begining balance started at {$100.00} with a transactions totaling {$110.00} which is a difference of {$11.00}. I had an ending balance of {$42.00} and was then charged the first Overdraft fee of {$100.00} that the bank then deducted the {$42.00} from my available balance and applied it to the overdraft and left the overdraft fee at & XXXX. I contacted the bank regarding my concerns and was promised a credit back of {$36.00}. This is basic math only on overdraft fee should have been applied to the account. The fees are not stated line by line only the dollar amount therefore I dont even know what they are actually charging for. This is the second time this has happens with this bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78664
Submitted Via: Web
Date Sent: 2017-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-21
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: XX/XX/XXXX2017 called my bank because an account that was closed due to wifes purse being stolen was reopened by XXXX XXXX when they ran ach payment on the account the account has no money so why would I want payments ran for account that has no money and your going to charge my account overdraft fee so now they are saying I owe them {$80.00} and said they will continue to charge me every time XXXX XXXX charges my account with ach and the monthly fee which is XXXX for an account I'am not using. this company has no reasoning or common sense and when did it become right for people reopen a account in my name with out my permission. Planning to bank somewhere else which could be what they are trying to due because I reported for there excessive fees for everything and claiming customer service but not solving customer problems by fixing them. Sorry you just got a report from about another company but just so you know the world is in chaos when people can just steal your hard earned money right to your face, last time I checked my XXXX where the XXXX XXXX and XXXX from the work I did not theres but they get my money for free again. Just want this on record, it 's up to you guys if you want to do anything last time they XXXX me and they will just keep XXXX people and the other complaint nobody still has called me. Thanks Fro Your Time
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32401
Submitted Via: Web
Date Sent: 2017-10-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A