Date Received: 2023-05-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. 15 USC 1681 states that I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666 states a creditor may not treat a payment on a credit card account on an open consumer credit plan as late for any purpose. For this account, upon creation Automatic Payments were immediately established and set to pay off the entire statement balance at the end of each month. Essentially, late payments were intentionally rendered impossible by me on this account. I was never later on the paid off account listed above. Please provide documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please delete this alleged late payment from my credit reports. This is an invalid late payment. The FCRA allows 30 days for this to be rectified.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70448
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I opened a HELOC line with Regions Bank mortgage ( Regions Mortgage XXXX XXXX XXXX XXXX, XXXX XXXX ) in XX/XX/XXXX. I wanted to complete the closing process of the loan at the bank located in XXXX but their loan by phone associate XXXX XXXX insisted I close it at my home since there was no notary available at two different branches I offered to close in XXXX. Finally, when I closed the loan, I wasn't informed about the recapture fee or any fee that would be payable if I terminate the HELOC account before 24 months of opening it. I specifically stated to their Loan by Phone mortgage consultant XXXX XXXX that I am opening the HELOC line just as a backup and I am planning to sell the home soon. Never during the HELOC opening process, I was informed about any recapture or prepayment penalty that would be applicable if the line was closed before 24 months. I would have never opened a HELOC line in the first place if I was told about the recapture fee since I was planning to put the home on market and had informed the same to XXXX over the phone. On XX/XX/XXXX, I visited their branch at XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX to terminate my HELOC account since I was planning to sell the property and needed the account closed. I was absolutely shocked to hear that I have to pay {$970.00} for lien release to close my HELOC account that had XXXX balance and no activity since opening it. I would request consumer finance to take strict action against this bank 's unethical and incompetent employees who never explained any fees would be charged if I decide to close my HELOC account. Regions Bank 's Loan by Phone Department just wanted another mortgage customer added to their accounts. I reached out to Regions Customer Service team several times and they were unable to close my HELOC line without payment of {$970.00} fee. My resolution of this complaint would be waiver of {$970.00} recapture fee for lien release and closure of my HELOC account/line which has XXXX balance as of XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: After opening account in XX/XX/2023 I don't have access to my account. I filed complaints via customer service and at the branches in XXXX XXXX, Mt XXXX and XXXX. No response or past 4 months. Wasted time to go back and forth between branches. Everyone customer service tells me to go to the branch to fix the issue and branch tells me it's not branch problem filing another complaint with request of calling me back. I can't get any info through customer service I can't make deposit via mobile app, I can't get support because they can't access my information about account and they want me to charge money for making deposit via mail. It's an XXXX and XXXX on customer who has nothing to do with their internal system. My account will be charged service fees since I can not use account. They do not have number for corporate office. Everyone in the bank gets paid salary but there is noone to fix the problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 864XX
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Regions Financial Corporation/Regions Bank of XXXX XXXX XXXX will not close my business Visa credit card account. The balance due on the business Visa card has been {$0.00} for months. Regions Bank telephone employee verbally told me I had to travel to a Regions Bank or write a letter on business letter head and mail it to : Regions Bank Credit Card Support, XXXX XXXX XXXX, XXXX, AL XXXX. I was told the mailing address.The body of the business letter included the credit card number, account number, number on the back, name, address. This was mailed on XX/XX/2023. On XX/XX/2023 I received, via U.S.mail, an envelope from Regions Bank containing a new business credit card. On XX/XX/2023 I called Regions Bank and the telephone employee informed me I had to either travel to a Regions Bank or write a letter on business letter head with all the information described above and mail it to Regions Bank. I informed the telephone employee that was done on XX/XX/2023. The employee offered no further assistance. On XX/XX/2023 I called Region Bank again to confirm information before submitting this complaint. This time I was told I had to find a Fax machine and Fax the letter and I was not supposed to mail the letter. Please tell Regions Bank to cancel my business credit card account.I do not wish to play anymore games with Regions Bank.
Company Response:
State: LA
Zip: 70560
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: Attempts have been ongoing since XX/XX/XXXX to inquire about discrepancies within our loan balance. We believe our loan should be paid off, yet Regions states we still owe approx. XXXX more. We believe our original loan was XXXX equal payment of {$430.00}. As of XX/XX/XXXX, we have paid that amount. In XXXX, we filed bankruptcy and reaffirmed this loan. That reaffirmation agreement included 4 extra payments ( XXXX total ) even though agreement states there were no changes to original loan. We have recently ( XX/XX/XXXX ) paid those 4 payments, even though there has not been any explanation for those extra 4 payments. With these 4 payments, our bankruptcy reaffirmation agreement has been met. We have requested our original loan agreement several times. We have requested with several associates to investigate discrepancies with possible errors in payment processing. All attempts have been ignored after initial request. Our home and future credit is now in jeopardy. My attempts started with my local branch in XXXX, Ky. The manager literally threw his hands up at me and stated that his office could not/would not do anything else for me -- - this was my first official meeting with him! He also told me that I shouldn't pay anymore payments and that maybe whomever came to repossess my home might be the person who would have the information I was seeking about my loan -- -REALLY???. This is how Regions treats someone that has faithfully made XXXX + payments for past XXXX? When inquiring about loan, I have be been accused of not making payments... even though they had payment history, but refused to look through it. I have been disrespected/ ignored throughout the entire process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 42071
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Problem when making payments
Subissue:
Consumer Complaint: they have tagged on 36 months worth of late charges due to their late fee structuring, and that's not even what I'm complaining about ENERBank have switched their payment portal 3 times since I've started with them. the only thing I'm trying to do is make my payments I don't want to get marked a negative report They have already put a bad remark on my credit before. when I try to call them for support I usually wait on the phone anywhere from 20 to 45 minutes before I talk to somebody that does not know anything about my case if i'm lucky. I have attached screenshots of ENER Banks payment portal failing to let me sign in... again... I have been on the phone with support and they said they were going to address the issue but they never did.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48336
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I'm a biweekly paid client and my entire check is deposited in my account. I do overdraw my account but fees are still being added to my account. I have had fees added to my account and I can't afford to pay my other bills because Regions continue to keep adding these fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 384XX
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Excessive overdraft fees. Transition days are always finalized on same day when money is coming next day to finalize overdraft charge. If not overdraft charge is convenient, bank takes DAYS to finalize transactions. If bank sees it convenient to charge one before the day before payday, they immediately finalize payment same day. Why do they allow merchants to charge if there is no money in the bank? Dont allow the merchants to charge! Theres no money! Ive spoken numerous times with bank. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: TX
Zip: 75803
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have an home improvement loan with Enerbank USA. I had a gas line and tankless water heater installed in my home. I have had problems from day one access enerbank to help with any issues that I have with access payment portal. I only received a call stating no payment was made and I need to pay XXXX dollars in full to bring account current. Payment was made but I have no access to online documentation. My loan account is being reported as a line of credit instead of a loan and affecting my credit harshly. I have reached out to credit bureaus as well as Enerbank multiple times to resolve this issue. There is nothing that has been done about this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38654
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I initially submitted an application on XX/XX/2023 to XXXX XXXX regarding a credit card named XXXX XXXX.Upon initial submission I received a pre approval offer, and was told a manger would be in touch shortly to finish the application. Any pre approval offer must be a firm offer or this is an adverse action under Equal Credit Opportunity Act ( ECOA ) I provided this company with my social and was told that my personal credit must be check in order to continue my application. I was told that initially my application was approved and that the personal credit check is to personal guarantee the amount I requested, and if that amount is not sufficient I would receive a different line of credit. I received an hard inquiry but was never extended any form of credit. After calling XXXX technologies for months and sending countless emails, requesting to speak to my account manager XXXX I have yet to hear back from this company. I was even told through a member of the company that none of the cars require a personal guarantee, so if my original submitted application was approved like I was told and reassured by a operating member of this company. I have not yet received a card nor response regarding this matter.This is a firm breach of contract and also causing damage to my credit report as well for this inquiry being reported without me being extended any extension of credit. Ive sent 3 letters regarding my application and have not yet heard back nor does anyone answer the phone number I am given to call
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60473
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A