Date Received: 2023-09-11
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: On XX/XX/XXXX, I received a letter from debt collection agency XXXX XXXX XXXX XXXXXXXX, CO indicating that the collection agency was attempting collect {$11000.00} from credi card company XXXX Fleetcor Mastercard. The agent XXXX XXXX stated that in XXXX a fraudster made an online application for a fuel credit card under the name XXXX XXXX ( made up ) using stolen identity. I was unaware and authorized none of this. The fraudster used fraudulent docu sign indicationing that I was the signer and guarantor. That was not me nor authorized and a criminal act. I filed a fraud report with XXXX Fleetcor Mastercard but I havent heard back, a police report of identity fraud with the XXXX County Sheriffs Department ( report XXXX ), and informed XXXX XXXX ( XXXX XXXX ) of the fraud. I subscribe the a credit monitoring service with XXXX with XXXX XXXX. No inquiry was made by Fleetcor in XXXX before or after on a new credit. I also checked checked XXXX XXXX XXXX XXXX who had no inquiry as well.
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: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Asked for a stop payment to XXXX in the amount of XXXX to be stopped on XX/XX/2023 inside a branch of Regions bank and the teller said Regions does NOT allow stop payments. I canceled the agreement with XXXX on XX/XX/2023 due to their refusal to honor a Warranty. XXXX used slander, defamation of character, and libel to commit fraud. On XX/XX/2023 a different representative from XXXX admitted that they failed to honor my cancellation and finished their responsibility to cancel the contract. Regions bank allowed an unauthorized withdrawal of XXXX on XX/XX/2023. Upon disputing the wire fraud allegations, Regions for a third time allowed a a company to steal my money. These idiots at Regions actively engage in discrimination against anyone that is a XXXX that also has a double Business degree.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 461XX
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Enerbank has not been submitting my payment history to XXXX which is significantly impacting my credit score. Please advise them to report my payments for the months of XXXX and XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78634
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: All bank accounts and loan addressed in this complaint are with Regions Bank. Store has an ATM machine and the money we put in the machine are deposited to stores checking act. at Regions Bank by XXXX, XXXX. An automatic payment was set up directing the money from the checking account to pay for the monthly loan payments. XXXX loan payment of {$5100.00} deposited and backed out by Regions Bank and accounts were accidentally closed by Regions Bank per our local Regions Bank XXXX late fee charged XXXX late fee backed out XXXX late fee charged XXXX new accounts opened and loan payment made for XX/XX/XXXX XXXX loan payments for XX/XX/XXXX and XX/XX/XXXX made and everything up to date XXXX late fee charged and XXXX late fees backed out ***When new bank accounts with different act. numbers were set up the automatic payment was no longer authorized. ***From XX/XX/XXXX through XX/XX/XXXX Regions bank could not figure what was going on and we could not get any answers from the local Regions Bank XXXX Money deposited into the checking account were taken out. The local bank tried to solve the problem but could not get answers from the loan department. They were just as perplexed as we were. Sometime during this time the loan account was frozen. XXXX contacted by the loan department and was told we hadnt made a payment in over a year. According to our records at that point we had overpaid by {$1200.00} XXXX XXXX, XXXX the loan department contact us and advised us to fill out a fraud report XXXX we received a letter from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, stating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for default of loan payment.. that were not made from XX/XX/XXXX and all subsequent payments. Regions is demanding the principal, interest through XX/XX/XXXX ( per dime thereafter : {$16.00} ), late fees, prepayment penalty, attorneys fees and costs. We have been asked to provide data that we dont have access to because are accounts are frozen and we do our banking on line. The date the bank is asking for the bank has. XXXX XXXX, XXXX the checking account was opened for a brief period of time and we deposited about {$22000.00} to add to the money we already had in the account for a total of about {$31000.00} and a additional deposit for a loan payment of {$5100.00}. *** To date we still do not have answers to why our accounts are in such turmoil and I do not think they themselves knows what happened and are trying to figure what went wrong. We have been told by XXXX XXXX we can not contact the bank because the bank is his client. ***It has been 3 months and we have not heard anything on this case. Because of the default we can not get a loan and could possibly loose our business. ***Our hands have been tied during this entire time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33950
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX charged off as bad debt on XXXX yet they continue to report as missed payments monthly on my credit report. Also the amount last owed was {$4900.00} as of XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: The banking institution allowed a financial depository to claim a withdrawal and refused to file a report of fraud to the financial depository about a false withdrawal the financial depository informed me that they have never received the fraud dispute from me or my bank and that it is their obligation to contact them. Banking institution is regions Bank. The financial depository is XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20170
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: On XX/XX/2023, I received an email from XXXXXXXX XXXX thanking me for requesting a new credit card which I never received. XXXXXXXX XXXX called to confirm the application which I declined, reported as fraudulent. They closed the application. On XX/XX/XXXX at XXXX I received an email stating that I opened an account with Regions Bank. They are in the process of closing the account. I have frozen my Credit with XXXX and XXXX XXXX XXXX servers were down, so I was unable to freeze my credit with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29745
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: Hello, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was researching something for an assignment Im on and came across the CFPBs Consumer Financial Protection Circular dated XXXX. The situation described as a UDAP violation is exactly what occurred to me when I attempted to close my account at Regions Bank in late XXXX. Of course, they could have corrected that practice by now, but I do know that I was assessed {$170.00} in overdraft fees due to them reopening my account after I had already closed it. Regions stated that because I did not stop my bill pay items, that they reopened my accounts to pay my bills. However, I determined that there mustve have been an interface issue with XXXX XXXX pay software and the XXXX XXXX XXXX I was using, as I know for a fact that when I went to stop scheduled bill pay items there were none listed. However, Regions claimed that it was my responsibility to stop the bill pay items prior to closing my account, hence why they reopened it to pay the bills ( with the {$0.00} in my account? ). After so many calls being bounced between Regions and XXXX as they both blamed each other, I simply refused to pay the {$170.00} negative balance on the account. Regions offered to cut the amount in half that I owed, which I respectfully declined. Thankfully, I dont believe my negative balance was ever sent to collections or reported negatively to the credit bureaus. Of course, 2 years is a long time and the bank definitely could have stopped the practice by now, but I wanted to at least submit this complaint in the off chance that consumers were still being harmed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62002
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Regions Bank has illegally charged me Overdraft fees on a transaction that shouldn't have taken place to begin with. The charge of XXXX from XXXX XXXX was reversed due to this error and my money was refunded but the bank ( Regions ) has kept the Overdraft fees as valid. This is an illegal fee ; for the simple fact that the company ( XXXX XXXX ) shouldn't have charged the account and there wouldn't have been an Overdraft to begin with. This is a malicious attempt to charge fees when none can be, and seeing how Banks like ( Regions ) ; majority source of profits come from overdraft fees, it lends to the creditability to the assertion that this fee was charged in malicious intent to defraud the account holder and generate profit for the Bank. ( Regions ). They have recently had to pay XXXX XXXX dollars for this very issue a year or so ago, for defrauding their customers in " Surprise Overdraft Fees '' that should have NEVER been charged in the first place. Secondly in the General instructions page of FR2900 Board of Governors Federal Reserve System ( Sec. ) Report of Deposits and Vault Cash Page ( 10. ) Paragraph ( 8. ) titled ; Overdraft and Negative Balances on line 8 states that ; " Moreover any overdrawn deposit account by a customer should be regarded as a loan made by the reporting institution to that customer, and the amount of the overdraft should be regarded as XXXX and not reported as a negative deposit ''. So if the Federal Reserve Board of Governors is instructing the reporting institution, in this case ( Regions ) to mark these as " loans '' how can it be legal or lawful for that institution ( Regions ) to charge a flat fee for that transaction. If its considered a loan than it should be charged the current interest rate for that particular type of loan which is currently 7.36 %
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 372XX
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Delays in the application process
Consumer Complaint: Started the loan process on XX/XX/XXXX had an appraisal done on our home. Appraisal was not done properly and home was undervalued by {$80000.00}. Put in a dispute with the underwriters, took them so long to respond we had to do a second credit app on XX/XX/XXXX. Another appraisal was done house appraised for fair value {$80000.00} more then first appraisal. We started moving forward, all paperwork had been sent multiple times but they said pay stubs weren't valid according to underwriters. I've been employed with he same company for 5 years and the company has been in business for over 40 years with over XXXX employees, I bought the house under the same employer and loan was finished in 2 months. The loan timed out a second time because of communications from our loan XXXX and underwriters. I have over XXXX calls to the loan officer throughout this process and over XXXX emails. It took the loan officer over 2 days to return calls and she never knew what was going on with the loan always had to call back. Now we are fighting to get the credit apps off of our names due to it being the banks fault.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A