Date Received: 2017-07-06
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: My government feeds are not coming on to my card and I need the problem fix today
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36605
Submitted Via: Web
Date Sent: 2017-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX I noticed two fraudulent charges to my checking account, one for {$18.00} at a XXXX in XXXX, GA, and one for {$1000.00} at a XXXX XXXX XXXX XXXX in XXXX, GA. I still have my debit card associated with this account. I reported the fraudulent charges the evening of XX/XX/XXXX, my bank cancelled the card, and mailed me a new one. The bank stated nothing could be done until the charges posted to my account, and I should call the businesses to see if there was anything they could do in the meantime. The following morning of XX/XX/XXXX, I called XXXX and was told there was nothing they could do. I called XXXX 's XXXX XXXX and spoke to a manager named XXXX, he stated he was the one who ran the transaction the previous day. He stated the guy had a physical card with my card number and expiration date on it, a different name and CVV code, and a driver 's license that matched the name on the debit card. He also stated the card was run as a credit card, the guy signed for it, and the name listed on the receipt was the same as the name on the card and driver 's license. I informed my bank of the information. The charges did not post to my account until the morning of XX/XX/XXXX, at which time I called my bank and an official claim was started. I was advised that the process could take up to 10 business days. After 9 business days I had not heard anything so I contacted my bank on the evening of XX/XX/XXXX. They stated, " I have reviewed your account and our records show that your claim in the amount of {$1000.00} & {$18.00} has been reviewed and resolved. Our records show that the claim was unsuccessful because there was no indication of fraudulent activity with the transaction. '' My bank was closed the following day for XX/XX/XXXX. The morning of XX/XX/XXXX I made contact with a social media representative, XXXX, of my bank. She asked for me to direct message her my phone number and she would be in touch with me. The morning of XX/XX/XXXX I received a call from XXXX, she transferred me to the fraud claims department at my bank. After telling them again I did not make the two fraudulent charges, they reopened the claim for further investigation. I was told the process could take another 10 business days. I filed a police report in XXXX County ( the area in which the fraudulent charges took place ) with the above information. I then filed a police report in XXXX XXXX County ( the area in which I reside ) with the above information including the case number of the other police report. I went to my nearest bank branch and asked them attach the two police reports to my claim. I have yet to hear anything from my bank concerning a resolution or any actions taken.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30605
Submitted Via: Web
Date Sent: 2017-07-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-06
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: In XX/XX/XXXX Regions Bank started offering a promotion of {$400.00} to sign up for one of their life green checking accounts and meet certain account conditions for those that signed up via email for the offer. On XX/XX/XXXX I signed up, via email, for the {$400.00} promotional offer. On XX/XX/XXXX, I applied for and opened a LifeGreen checking and savings account at their Shoppes At XXXX XXXX Branch in XXXX, Texas.
The promotion details stated that I must, open any personal LifeGreen checking account by XX/XX/XXXX, make 10 purchases with your Regions Visa Check Card ( Purchases must post within 60 days of account opening ) and enroll in Online Statements through Online Banking ( within 60 days of account opening ). These requirements were met on XX/XX/XXXX. The stipulations further stated that the {$400.00} will be credited to your new account within 120 days of completing these steps. 120 days later on XX/XX/XXXX, my bonus still had no posted. I contacted Regions bank and after a few weeks of waiting they informed me that my account has been soft closed due to carrying a XXXX balance and that because my account was soft closed that I was not eligible for receive the bonus as my account wasnt open at the time of issuing the bonus. After reading through the deposit agreement and their pricing schedule it has become apparent that Regions does not specify a minimum account balance to keep an account open and that they are just using this as an excuse to not pay out the bonus that I rightfully deserve. Regions only mentions what they consider to be inactive accounts on their pricing schedule sheet and it states that An inactive account is defined as an account having no customer-initiated activity for a period of 92 consecutive days. I have had a deposit and a withdraw every month since I opened the account, therefore, I know that my account has always been active and they wrongfully, if not illegally, soft closed my account.Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78209
Submitted Via: Web
Date Sent: 2017-07-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-05
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: My account balance w as discharged i n a Chapter XXXX Case # XXXX filed XX/XX/XXXX and converted to a Chapter XXXX XXXX file d XX/XX/XXXX . To date the financial institution has continued to report my account negative to XXXX XXXX . I w as granted relief from this debt and I want the account removed from XXXX XXXX immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76179
Submitted Via: Web
Date Sent: 2017-07-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-07-03
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I was notified that a personal checking account was fraudulently opened online with a bank that I have never even heard of. I have never lived at the address they have on file for me which they say they sent debit cards and checks to. I have attached to this a copy of my current lease showing where I currently live. If you check the dates of my lease you will see that I lived at my address long before and after these accounts were opened, abused and closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-07-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have been contacting a company by the name of Universal Premium XXXX XXXX by XXXX. We applied with them for a credit line for our fleet. There card offers repairs, gas and etc. When the account was applied for and opened I had an position in the company whom handled some of it 's financial affairs. We terminated his position in XX/XX/XXXX. I took over all the items he was responsible for which opened this can of worms. I have attempted every approach with this company to fix the problem. They are currently debiting a bank account I asked for them to stop in XX/XX/XXXX. They are debiting this account every two weeks for {$750.00}. I spoke with a representative in XX/XX/XXXX whom stated there were website changes and it would get corrected. I followed up at the end ofXX/XX/XXXX in regards to not being able to remove account from online portal along with other issues of fees, interest and high risk transactions by email. The reply a few days later stated it was taken care of. It has continued. I have attempted additional contact through phone and email with no response. They are still debiting out of account as of today and say they have me on a list with other people to get resolved. I have left money in account to cover other items that may post to this non active account. We have changed banks. They want me to give them the new info, but refuse to remove the old and I am worried that my information is compromised. They have been withdrawing this money without my permission. They have been told to stop! I asked who their governing agency is and staff states they just work there? I asked for a supervisor whom is always busy or whom will return my call. No return calls! I will be contacting authorities.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75041
Submitted Via: Web
Date Sent: 2017-06-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-27
Issue: Problem when making payments
Subissue:
Consumer Complaint: I have a secured line of credit with Regions Bank and they are incorrectly reporting to my credit that I have a past due balance of {$31.00}. The account number is : " XXXX ''. I paid this account off months ago in person at my local Regions Bank and to this date, they have not updated my account to show it is paid in full. They have been reporting that I have been 30 days past due since XX/XX/XXXX and this is devastating my credit report. I brought this to the attention of a branch manager at my local Regions and he told me my account is paid in full so I do n't understand what is happening! The branch manager 's name is XXXX XXXX XXXX, his phone number is XXXX and his email is : XXXX. I need this to be resolved as soon as possible because late payments are being added to my credit and I have already been told numerous times that there is no balance on my account. I am including a screenshot from a recent report which shows how Regions is incorrectly reporting that I am late on my credit. I am trying to build good credit history and mistakes like this are setting me backwards!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32807
Submitted Via: Web
Date Sent: 2017-06-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My name is XXXX XXXX XXXX, and I have three ( 3 ) mortgages on my property. I am current with the first mortgage, but I had to take a job making less money and I could no longer afford the 2nd and 3rd mortgage. I am in the process of selling the home as I am now struggling to pay the first mortgage. I have an offer that will pay the first mortgage in full and the second mortgage has consented to take $ XXXX, the third mortgage which has been charged off since XXXX and is now in the recovery department wants $ XXXX when on XXXX XXXX, XXXX my short sale representative spoke to XXXX XXXX w/ Regions Bank and he stated that he can make {$7800.00} work. I can not believe that these people will push me into a foreclosure situation. I could file bankruptcy and get rid of them all together, but I do have a sense of honor and I need to pay them something. The bank will not allow me to pay them $ XXXX simply because they are in 3rd position and this is a HELOC. The senior lien holder will not allow me to pay the junior lien holder more than $ 9K and they are both with XXXX. Please HELP. This lender is being unreasonable and they are trying to force me into foreclosure or bankruptcy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2017-06-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-27
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: During the period of XX/XX/XXXX to XX/XX/XXXX my wife was handling our finances because I had been XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX was in and out of hospitals, XXXX, XXXX XXXX, XXXX XXXX and home but XXXX. During this period a series of fees started showing up on our joint checking account. My wife grieving the loss of our XXXX XXXX XXXX XXXX old child to XXXX, was n't keeping a close eye on the transactions on our statements. These where regular monthly fees that should have been waived, because we made more than ten regions credit/debit transactions a month ( a lot more ). When my wife set up the cards, she was assured that both cards would qualify towards the ten transactions needed to waive the monthly account fee. I first noticed the fees in XX/XX/XXXX, and called regions bank to ask about the fees. They told me that only one of the cards qualified, because one of the cards was only an authorized signer and not listed on the credit card account as a joint owner. I feel that this is just total nonsense and a technicality that they have used to charge us months worth of bogus fees. More over we where assured that the cards qualified.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37067
Submitted Via: Web
Date Sent: 2017-06-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-06-23
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: The company is XXXX XXXX XXXX XXXX with an address of XXXX. XXXX XXXX, XXXX, GA XXXX. Phone is XXXX. Our account is XXXX with last 5 digits of account being XXXX. Account is under the name XXXX XXXX, XXXX XXXX.
Trouble with this company has been from inception of the account, but documentation started XX/XX/XXXX. When calling you can never get resolution and they are always having technical difficulties. We have been trying to close this account without success. Most recent conversations were on XX/XX/XXXX at XXXX XXXX PST. Spoke with XXXX to say we keep receiving invoices showing a credit balance ( they owe us ) of {$4.00}. He said he would take care of clearing that out and he shows the account was actually closed XX/XX/XXXX. He gave me a case number # XXXX. On XX/XX/XXXX I received another invoice, this time with a " Special Credit Fee '' charged in the amount of {$79.00}. With the previous credit they are billing us {$75.00}. I called XX/XX/XXXX at XXXX XXXX. PST and spoke with XXXX who transferred me to XXXX XXXX who then transferred me to XXXX in Financial Services. She admitted she did not know what the charge was or why it was on our bill, but would credit that amount to clear it back to XXXX. She also confirmed our account was closed XX/XX/XXXX. She provided me with a Billing Case # XXXX and claimed she really is n't supposed to give that information out, but I demanded some sort of reference number to prove this conversation took place. Other calls and cases to this company include : XX/XX/XXXX case # XXXX, XX/XX/XXXX confirmation number XXXX ( this call included the representative using the " XXXX '' word to me when his computer did n't boot up ), XX/XX/XXXX mailed request to close account, XX/XX/XXXX email to XX/XX/XXXXto close account - this was followed up with a response from them telling me I needed to call to close the account. XX/XX/XXXX mailed letter again to close account. And the two most recent contacts are listed above. This company will invoice with a due date that is one to two days earlier than when you receive the invoice in the mail. I have saved the envelopes showing the post mark. This triggers a finance charge and you can never get ahead even when full payment is submitted. Example : Post mark says XX/XX/XXXX ( Friday ) but bill is due XX/XX/XXXX ( following Tuesday ). With time needed for post office to process we do n't receive the bill until XX/XX/XXXX - a day after it was due. They are purposely delaying to create fake finance charges.Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92801
Submitted Via: Web
Date Sent: 2017-06-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A