Date Received: 2023-06-12
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX, I notified XXXX XXXX XXXX that an account had been opened in my company name without authorization, that I was disputing all charges, and the account should be closed. XXXX XXXX ( an account manager with XXXX ) reached out to me. During our conversation he told me that he would issue {$950.00} in credits to my account but I would need to send him written authorization to reactivate my account for him to apply the credits to my account. He said the credit would be applied within 7-10 days. After waiting 10 days, the credit was not issued to the account. On XXXX XXXX, XXXX, XXXX XXXX replied stating that he was out sick and the email was not sufficient for the fraud team so I would need to send another written authorization. Another written authorization was sent on XX/XX/XXXX. A number of emails and phone calls were made to XXXX XXXX. He continued to promise us that the credit would be applied in a few days. We complied with his requests for written authorization based on the promise to issue these credits. The full amount of credits were never applied to the account as promised. On XX/XX/XXXX, XXXX XXXX stated that our account would not be reinstated. We immediately replied to send us a check for the balance on the account and on XX/XX/XXXX, XXXX XXXX stated that they would not issue a check for the credit balance on our account. We are still owed {$160.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40505
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I opened a Mortgage account with Regions bank in XXXX of XXXX. In the next year I went through a divorce and the mortgage was signed over to me. My ex-husband was court ordered to pay off second mortgage and take his name off of the mortgage. He did neither one. XXXX years later, I have had to open a new loan to pay off my second mortgage and Regions has never allowed me to refinance my mortgage to remove my ex-husband 's name. I have tried numberous times since XX/XX/XXXX to get this accomplished. I have sent in copies of my divorce decree, copies of my deed where he was removed from it, my marriage certificate from XX/XX/XXXX to change my name ( which is still not been done ). I am now trying to get an insurance check endorsed by Regions bank so I may repair water damage. They REFUSE to endorse my check. It's been XXXX weeks since I was in the branch and just now getting to me to tell me. I have sent in numerous documents to them ( again ) and they have kept my check and will not endorse it. I have dealth with these rude, irresponsible people who lack in communication to their customers for extra money and they are unbearable to work with. Like I said, I have been going through this mess since XX/XX/XXXX ... XXXX years LATER I'm still doing the same things I was doing then because nothing was changed all of the previous times I've done all of this paperwork.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 474XX
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: This is the second issue I have had with Regions Bank. With the first issue, they were dishonest, and I stand by that because several of us consumers will ask merchants what the credit requirement is prior to applying for credit to avoid a hard inquiry. I asked Regions what they required, and I felt I was lied to or deceived as I met the requirements per what they told me which was indeed the reason I applied. It wasn't entirely about being denied but more so of telling me one thing and when I received the denial letter, I could clearly see that other criteria were used in making their decision. And now this time around, they have reported me to the credit bureaus as being 30 days late for a line of credit that I didn't apply for. Regions sent me an email that spoke about {$250.00} of overdraft protection. I did NOT apply for a line of credit with them and who would think overdraft protection would have anything to do with a line of credit. I tried explaining this to them. I had no idea that it was a line of credit that I would have to pay a monthly note on as they NEVER approve me for anything, and the email didn't mention anything about a line of credit. Additionally, judging by the credit scores they really use which is XXXX XXXX, I wouldn't expect to be approved for anything which is why I don't apply for anything with them anymore and I'm now considering switching banks. They are either using XXXX XXXX for all and just telling people they use XXXX. Or they only using XXXX XXXX for some people and XXXX for others which I don't feel is right. It should be the same for everyone. I spoke to a rep at Regions who contacted me about the balance. I explained to him that I was not aware it was some like a credit card or line of credit. However, I brought the account current that same day after he explained to me what it really was. Regions waited nearly 2 weeks later and reported me to the credit bureaus as being 30 days past due before the next payment was even due. I contacted them directly and spoke to a rep about reporting me after I got an alert from XXXX. Why wait two weeks later to report me. And the reason he gave was that they have no control over what's reported to the credit bureaus and that if you are 30 days past due, the bureaus automatically receive that data all on their own. I have never heard such a thing. I feel that yet another rep was being dishonest like that entire bank seems to do ; lie! Since when do lenders/creditors do not report to credit bureaus. However, the rep did submit a dispute to the credit bureaus. Although, he had no idea what to put on the dispute and was asking me for a reason when he knew very well the entire reason for my call. Therefore, I have no idea what he submitted. I do however know that that XXXX has alerted me of the dispute. It has been completed and the results are still the same. My credit score dropped 28 points for an account I didn't apply for and had no idea was a line of credit that I owed a balance on. I thought just like with any overdraft I owed including the {$250.00}, they would take funds automatically out of my account when my funds post to it. I explained this and they still reported me. I don't feel that its right. I feel they should have made an exception considering I didn't apply for anything. No social or anything was provided to obtain this supposedly line of credit. And if they don't agree to have the mark removed, I'll be penalized until 2030 for an account I didn't apply for and had no idea what it actually was.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39047
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I had my phone hacked into by responding to a person who sent me a code saying that they were verifying that I wasnt a scammer. Unfortunately they were the scammer. Somehow through advanced technology they hacked into all of my personal and business accounts and drained the accounts. Money was sent to random people I have never talked to or been involved with in any way. These people or businesss were in different states and different countries. I have filed 5 claims with regions and had 4 denials. They paid back some of it but not all. The remaining amount owed to me is {$11000.00}. Bottom line is that it is regions responsibility to protect my money. In exchange they get to make money and interest off of that money while the money is in regions possession. I can not afford to lose that amount of money. I have been battling this for 2 months now with regions and it has caused me a lot of stress. XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I am filing a complaint because my credit card was canceled because of inactivity, and I never received a notification prior to the cancellation. This is so unfair when a consumer has a 100 % payment history and because of inactivity Regions closes my credit card without any notification. Regions Bank has no clue as to why the credit was not being used. I also want to complain about XXXX XXXX that lowered my available balance excessively because of no activity, but at least they did not close the account. My credit score was lowered by XXXX points because of this action by XXXX XXXX. Therefore, my credit score will go down again because of a closed account. I could see the account being closed for non-payment, delinquent payments, etc., but to be closed because of inactivity is ridiculous. This definitely is NOT THE AMERICAN DREAM!!!!!!!!!!! I would appreciate a response regarding the above issues and concerns. Regards, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I came across information re the overdraft lawsuit with regions. I have incurred overdraft fees and held deposits over the XXXX years of banking with them. I have complained for years. Commonly about my deposits going in after transactions to cause the overdraft fees. I would like to be added to the current overdraft lawsuit if I am able.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32507
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Starting in XXXX of XXXX Enerbank reported us as being 30 days past due on our home improvement loan. We have never in almost 2 years been late 30 days on a loan payment. This caused my husband and my credit scores to plummet XXXX points. When contacting EnerBank, for the first time about this issue which was on approximately XX/XX/XXXX, we were told we were correct that they could not find where we were 30 days late on a payment. We were encouraged to submit disputes to the credit bureaus and they would investigate on their end. Both credit bureaus XXXX and XXXX found in our favor on the disputes and our credit scores went back to normal. However approximately one month later Enerank AGAIN reported us as 30 days late and our credit scores plummeted once again. I called and EnerBankUSA on XX/XX/XXXX and reported the same information to them and once again they agreed that they could find nothing in our payment history that indicated we were 30 days late at any point in time. Again we submitted disputes to XXXX and XXXX. EnerBankUSA said they would investigate and get back to us. No one returned our call. I called Enerbank again on XX/XX/XXXX to find out what information if any they could provide since no one had ever called me back. Again I was told it would be escalated to a supervisor or manager and someone would get back to me. I trusted the process that someone would return the call. At this point in time once again XXXX returned the dispute in our favor and corrected our credit scores. XXXX however did not. I submitted a THIRD dispute to XXXX. On XX/XX/XXXX I contacted enter EnerBankUSA again trying to get a hold of someone to speak to. The customer service agent told me that someone again would be getting back to me from a supervisory position, that it was escalated so that it would be taken care of promptly. Again I was promised a call back by a supervisor, that finally happened on XX/XX/XXXX. I was assured by " XXXX '' that they had reviewed our account and found nowhere in our history that we had ever been 30 days late. We were advised us to wait until our third dispute with XXXX came back and if it was still not in our favor, to contact them again and they would handle it. Ironically later that same day the dispute came back and they did not find in our favor- or at least they found no new evidence provided to them by Enerbank that would make them change our credit scores back to normal. I contacted Enerbank once again to tell them this. Of note- each and every time I contact enterbank I spoke with a different customer service representative, and I have to repeat all of the information every single time from start to finish before they Place me on hold or tell me they can't do anything and they have to send the information to higher up to review and get back to me. Never am I able to be transferred to a supervisor, .or be given a direct line to a supervisor. I was told that credit information is updated the XXXX through the XXXX of the month, and that perhaps the information would be changed then for XXXX. However it is now XX/XX/XXXX and nothing has changed on our XXXX credit report I called Enerbank again on XX/XX/XXXX, where I got through immediately to a customer service representative, once again had to explain the entire situation to them. The customer service representative placed me on a hold so that she could escalate to a supervisor, and after 20 minutes on hold the call was disconnected. I immediately called back, waited on hold another 10 to 15 minutes where I got another regular customer service representative had to tell the tale from start to finish once again, only to be told that she would escalate it to a supervisor and that someone would be back in touch with me again in 24 hours. 48 hours past and no one got back with me. I also called XXXX who informed me that the only information they have is what Enerbank provides, and they can change nothing without EnerBankUSA 's input. Today is XX/XX/XXXX. I called and Enerbank approximately XXXX XXXX I got through to a customer service representative and had to go through the entire Spiel once again. She immediately said she would put me on hold and review my case. After 15 minutes on hold the call disconnected completely. I called back got another customer service agent, had to explain the entire situation to her at which point in time she also put me on hold but luckily was back after 5 minutes, at which time she explained that it looks like someone was working on it and someone would get back to me. I interrupted her and told her that I was tired of people telling me someone was working on it in the day back with me because no one ever got back with me and that this has been going on for well over two months at this point. She assured me that someone would be back in touch with me tonight. Miracle of Miracles someone actually did call me back, over 2 hours later. Only to tell me, that they could not do anything about it tonight and that surprise surprise they would call me back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43220
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: A check from a major insurance company was deposited at a drive through window at the Regions Bank branch at XXXX XXXX XXXX, XXXX XXXX, FL XXXX, XX/XX/2023. The next morning an e-mail was received notifying me of a hold placed on the check until XX/XX/2023. Checks from the same insurer had been deposited, in the same manner, at the same branch previously with no issue, although a brief ( <24hr ) hold had been placed on a check from the same insurer in XX/XX/2023. That was resolved by contacting the branch manager. No reason was given for that hold or the current one. I have contacted the branch manager, in person and by phone, Regions customer service, Regions priority banking, and used secure text messages. No explanation has been provided and the situation remains unresolved. This does not appear to be a federal or state regulatory requirement. Two other local and one national financial institutions have informed me that they would not have placed a hold on this check if deposited with them. The action taken by Regions is arbitrary, capricious, and unwarranted. I have been a customer for 15 years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33919
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act Regions bank, XXXX XXXX, XXXX XXXX XXXX have violated my rights. 15 U.S.C 1681 Sect. 602 A states i have the right to privacy. 15 U.S.C. 1681 Sect 604 A Sect 2 it also states that, A consumer reporting agency can not furnish a account without my written instructions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62226
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Regions Mortgage is frauding checks to me. they are sending me Escrow Payments from my insurance company for hurricane Ida repairs. Regions had mailed checks twice pay to order of wrong payee. called on XX/XX/XXXX and no response or solution. I'm suspicious they are stealing my money. the current escrow amount is {$240000.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70360
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A