Date Received: 2017-09-29
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: on XXXX XXXX, XXXX my loan balance at XXXX XXXX was XXXX on XXXX XXXX XXXX it was XXXX over 300.00 dollars in fees, i callled them to explain i was in XXXX XXXX XXXX they refused to take fees off they are discharging accounts in florida, this is scam that XXXX XXXX is doing..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2017-09-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My company received an email alert from the "fraud protection alert" department of this credit card company. Asking if someone from our company made these transactions dated X/X/2017 at XXXX XXXX XXXX, Fl. My company responds "NO" to that email. We received another "fraud protection alert" again we responded "NO". I called Customer Service explaining what had occurred. They blocked/canceled the fleet cards and reissued new ones. I was told to file a dispute online because customer service could not help me resolve this issue. I asked them to please document every phone call and to please put notes on the account regarding this issue with fraud. I filed a dispute on all charges made in Flordia. The credit card company approved the charges on the card ending in XXXX but did not approve the other charges on card ending in XXXX. Every time I called customer service they said the fraud department handles these issues and they could not resolve that issue. "you have to email them" I tried calling a number XXXX for two weeks no one ever answers that line. So I continue to email that department. The last response from them was that I check off the lost/stolen box on the form and because I check that box off the transaction were not fraudulent or counterfeit. I let them know that it was a mistake and that I had written an explanation in the box provide a detail about what had occurred. This department is not looking at the full details of this case. They are going about it based on a check mark on their form. That was checked and followed by an explanation as well. I have sent several emails with documentation and proof of everything that I have now two months later they are asking for the physical card to be returned that is they are not returned the charger will not be removed. I did everything that was in my power to notify them and explain what was happen we responded no to these charges and their company put a block as well. So how is it that we are liable for these charges just because I check a box and they are refusing to read the full detail of the whole case.
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: 2017-09-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I performed a short sale with Regions Bank in XXXX. The Account should have been closed as per the acceptance terms. Recently we found out that a derogatory payment was reported to the credit bureaus on XXXX, which has affected my credit score. No derogatory information should have been reported, because the account was closed in XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34771
Submitted Via: Web
Date Sent: 2017-09-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-22
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I have three direct deposit that go into my checking account each month. I set all my bills to be paid base on those three deposit dated. I choose specific and exact dates for my bills to be paid each month. Regions Bank allows merchants to make a transaction prior to the date of my direct deposits know that funds are not yet available and it is not the date chosen by me the customer. Therefore, the account becomes overdrawn and Regions bank take {$36.00} for each transaction over drawn. I have given them lots of over draft fees. I recently set three payments for XXXX XXXX accounts with three separate payment amounts for XXXX XXXX, XXXX. I had chosen different amounts but cancel them on XXXX XXXX and XXXX. Regions bank fail to take this out of there system and deducted the cancel amounts of XXXX XXXX and XXXX along with the specific dates and amounts I wanted on XXXX XXXX, XXXX. Now they are showing my account as being {$270.00} and more overdrawn with their OD ( overdraft fees ) and will not fix their errors, nor respond to over five different compose emails of inquiries by me about this matter since XXXX, and today is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30236
Submitted Via: Web
Date Sent: 2017-09-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I had an event that I thought was fraudulent. I was confused as to how a company, who I had given my old card number and had canceled due to me feeling that they were a fraudulent company, had my new card number. After calling my bank, Regions Financial, today, XXXX, after receiving a letter from them stating that the withdrawal of the funds was not fraudulent, I was told that it is Regions ' policy to persist payment on all debit cards that are set up for withdrawals. I asked if this was something that I signed to say that this was okay to do and I was told that it was n't anything that I signed to give permission, but rather a policy of Regions. I 'm not sure if this is the practice of all banks, but I would think this falls under the overdraft protection where I would give permission for that service and would know that if a company has my card for withdrawal that it would not stop due to my card cancellation. The other issue is that the agent I talked to in the bank had no idea of this practice. He was actually confused and thought that the company who continued to charge on my account had access to my account number. So, this is definitely not " known '' information within the bank because those agents of the bank who opens accounts do not know in order to inform account holders. I ended up canceling the account that was attached to that card and opening a new one because I thought that a company had my account number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 351XX
Submitted Via: Web
Date Sent: 2017-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-20
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Regions bank located at XXXX XXXX XXXX XXXX XXXX florida closed my account unjustly, the account was deposited 2 checks and i made the account good again with 2 deposits of XXXX, regions swiped XXXX plus XXXX and run me all over town and lied to me numerous times to retrieve XXXX dollar balance and closed the account without notice, after i was liet to numerous times and went all over town playing the run-around-game, when i asked XXXX XXXX for the original contract back as its my property when the account is closed, she said she lost it, and i asked also for the two bad checks back she lost them also, ok folks well youre being investigated now, and all ATM transactions, debit card purchases and the nice blue ink signatures of mine that you sold will all be found very soon now and there will be TROUBLE, you people think youre so slick dont ya, you not allowed to sell my signature without my consent, and youre not allowed to collect all the interest on the securities either, because it is due to me with a 3 year period i can claim the interest you XXXX ME OUT OF, plus all the charges of fraud and theft coming your way,
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: 2017-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX/XXXX/XXXX, 11 fraudulent checks were deposited into my checking account and hours later the funds were available and withdrawn from different locations including XXXX and other atms. I noticed the activity the morning of XXXX/XXXX/XXXX and immediately attempted to report it to the number on the back of the card. This is a joint account and the card that was used was under the other card holder so he had to call and dispute. I was told to go into the branch also which I did that morning. The charges were disputed but a hold was put on the account for fraud. My regular direct deposit went into the bank on the XXXX for {$1100.00} but a hold was put on this until the investigation was complete. We were told at that point by the representative at the branch that are account would be closed and chances were we would not be reimbursed because the PIN number was used. I received 1 noticed that stated we were given provisional credit so we could function normally until the investigation was complete and this is not true. We did file a police report and are working with them on criminal charges, but that did nothing fro the bank 's investigation. I was basically without money for basic daily needs and the bank turned their head. We have attempted to follow up with the investigation but that has been very difficult because we are given no information from the branch and were refused any documentation from the supposed investigation that was completed. One rep told me the PIN number was used so that was the investigation. We are not allowed to speak to a supervisor when we ask and we are given the run around every time we try to follow up with any progress. We were told today that the " investigation '' was complete and the account would remain in negative standing but I have still not been provided with any documents regarding their research or investigation. We have both been treated like a criminal during this situation and told we did things that we did not do. The bank wants us to think that someone getting our PIN number is not possible and could never happen. There are ways in this day and time. I did ask the question several times about why these fraudulent deposits were made available so quickly and no one has been able to give me an answer. When I make deposits through the atm I have to wait on funds to be available. The customer service with this bank has been a joke and I will not stand for being treated the way we have been treated. The amount of money we are our is huge to us and the whole point of having a bank is so my money is protected. We tried going through XXXX and the FDIC but are still with no answers. I included the notices that I received dated only 1 day apart and 3 of the 11 deposits made into the account as an example.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30117
Submitted Via: Web
Date Sent: 2017-09-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-18
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Vendor keeps charging my debit card for a service not received and never signed up for. We inquired about XXXX classes for my son. The vendor required my credit card number even though they offered XXXX free weeks. I was told it was for liability reasons. My son got hurt the XXXX free class they offered. He was under doctor orders not to practice for XXXX weeks. My son informed the school he would not return due to injury and then summer would be here and he would not be in the state. They told him it was not a problem and he could return next school year. I have called them every month and each time I am told I must speak to the owner but he is never there and has never called me back. I filed a complaint with my bank. First they mailed the paperwork to an old address and then denied my claim due to not returning the paperwork. I went into a branch and completed the paperwork and it was sent by a bank employee to the claims department. Still did not hear anything for a week so I called the claims department and they again told me they did not receive the paperwork. I went back to the branch again and the same employee sent the paperwork in and confirmed they received it. Now another week has gone by and I received a letter in mail today that they denied the claim again and state they do not have my paperwork and need proof of cancellation. What proof would I be able to provide when there is no contract? They have the dispute forms that have been sent XXXX times. I have asked my bank also to provide me with signed credit card slips as required by law and they tell me they do not have to follow that law. They told me I needed to provide them with the signed cancellation forms again and then they hung up on me. They have been very unprofessional with this and it seems they do not care. The charges are as follows XXXX XXXX XXXX {$130.00}, XXXX {$130.00}, XXXX {$130.00}, XXXX {$130.00}, and XXXX {$130.00} XXXX *this charge was after my initial complaint and they allowed it to be charged )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28037
Submitted Via: Web
Date Sent: 2017-09-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I called Regions Bank on XXXX/XXXX/XXXX to ask them why they have accessed by credit file on XXXX/XXXX/XXXX and why they have put a Hard Inquiry on my XXXX credit file without my authorization, they could n't help me.
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: 2017-09-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I disputed nearly {$34000.00} dollars worth of Fraudulent and or unauthorized charges at the end of the month of XXXX 2016 that were made on my Checking Account leaving me and my family with {$73.00} dollars.I went into the bank when my debit card was denied from a purchase i was attempting to make.I signed all supporting documents, provided a police report and the documents were sent to card services at Regions Bank.I was denied very quickly with a letter that was mailed to me stating false and irrelevant information regarding my claim.I attempted to contact the department that denied me and was unsuccessful.My Tax return was in my account at the time also along with nearly my entire Workers Comp Settlement Check in which i opened the account with, I have been ignored from every federal complaint I 've made online since my claim was denied.The Fraudulent activity that occurred on my account has ruined my life, my Marriage and separated me from my children leaving me unable to pay my bills.Can someone please help me with my claim because I am a victim of Identity Theft and also this is the second time in 8 years this has happened to me and my family, Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70056
Submitted Via: Web
Date Sent: 2017-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A