Date Received: 2023-04-29
Issue: Fraud or scam
Subissue:
Consumer Complaint: Greetings my name is XXXX XXXX XXXX XXXX and I believe my banking institution has been weaponized by our Missouri Chief officer XXXX XXXX XXXX that has initiated a unlawful acts of abuse and deliberate indifference as I pursued this official of Governor XXXX XXXX in Federal Court and now that he has not only been protected y the Clergy and appointed to our Banking Commerce by Gov XXXX. Now my services with my bank has been retaliatory. Count 1..bank fraud : The date would be my last payday XX/XX/2023. I brought a check phsyciallyn in the Regions bank at XXXX and XXXX XXXX XXXX XXXX for the amount of XXXX charge cashing my check. I would cash this check then deposit {$380.00} and take cash on hand in the amounts of {$150.00}. There was {$380.00} left in my checking account. I would go on this day making two transactions later from this account as I was given the Regions Bank slip with the amount of {$380.00}, but my lender has tried ample times trying to deliberately entice me to become irrate or enraged by abusing my rights as a banking costumer deliberately freezing my.account after I had already made two transactions with the account earlier in the day to my.cash app.. I would still have funds in my account but transactions would be declined right around the time my banking institution was about to close this same day. I called the banking institution? I frequent at that has caused these deliberate problems. The XXXX XXXX Banking attendant would tell me " my account funds were held do to a Checkm, I brought in to there business this day and deposit this same day, XX/XX/2023. This is false and a absuive tactic these employees were given direction to perform from what I believe is directly from the top as I never deposited any check this day. I only cashed a check, deposited {$380.00} and took home {$150.00} XXXX was a check, I cashed then deposited {$380.00} as I was given the PD SLIP- XXXX XXXX # XXXX XXXX # XXXX DA XXXX XXXX XXXX {$380.00}. There were still funds in my account this lender 's fraud would obstruct not to be use by causation caused by this lender employee trying to deliberately entice or anger this costumer so he appears a certain way fighting against corrupt officials appointed by Governor XXXX XXXX. It did not place any fear in me! I am coming after XXXX XXXX XXXX XXXX! Respectfully! Especially for these type.of stunts weaponzing agencies and businesses with these absuive tactics. Please let him and them know? THIS IGNITED THAT FIGHT AGAINST HIM!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I had work done on my house and got a 'Same As Cash ' loan of {$16000.00} from Enerbank on XX/XX/XXXX. The terms of the loan were that I would pay no interest if I repaid it in full before XX/XX/XXXX. I arranged with my bank ( XXXX XXXX ) via 'Bill Pay ' for the loan to be repaid on XX/XX/XXXX. My XXXX XXXX send the funds via paper check ( I was expecting an EFT transfer, which, in my experience, is normal for Bank to Bank transactions ). On XX/XX/XXXX I received a letter from Enerbank stating that since I had not repaid my loan in full by the XX/XX/XXXX due date, I now owed the principal plus a year of 17.99 % interest ( {$2900.00} interest ). I called Enerbank that same day and, after waiting on hold for 55 minutes, I was told that Enerbank had not received my payment. I was also told that Enerbank does not accept ACH payments. I called XXXX XXXX where they confirmed that the payment had been sent, on time, but that it had not been cashed. I attempted to call Enerbank again, but they were closed. On XX/XX/XXXX I called XXXX XXXX and told them to cancel the payment. They agreed to send me a letter verifying that I had paid on time. On XX/XX/XXXX I attempted to call Enerbank, but they were closed for the weekend. On XX/XX/XXXX I attempted to pay via their payment website ( listed on the Enerbank statement as payments.enerbank.com, but their payment site would not accept the amount of the full loan, only {$330.00} monthly payment. On XX/XX/XXXX I called Enerbank. I was on hold for 1 hour and 20 minutes. At first, they insisted that I needed to pay the principal plus {$2900.00} in interest. I told them about the 'Good Faith Letter ' from XXXX XXXX and finally a manager approved canceling the debt if I paid the principal plus interest from XX/XX/XXXX to XX/XX/XXXX of {$110.00}. With regards to their website not accepting my payment they said that their system had recently changed and perhaps I had the wrong website. I paid, but I don't think that I should have had to pay the interest. I suspect that they deliberately make it difficult to make payments and make it difficult to contact the company and perhaps 'lose ' checks in order to force clients to pay their usurious interest rates.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97007
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I called Regions Bank on a weekend after looking at my account. I noticed two charges on a account XXXX This account has never been accessed. There were two duplicate charges on XX/XX/2023. One of the charges was removed. I inquired about the other discrepancies. The gentleman left the line briefly. Once he returned, he told me it was due to fraudulent activity. He also said one of the charges was recovered on XX/XX/2023. I asked why both charges were not removed? He stated, he did not know. He also stated, the other one should be removed within a day or two. This possibly due to the fraudulent activity. I later made a claim after ten business days. I was told to allow five more business days. I waited those days. I received a letter dated XX/XX/2023. It said the investigation was completed. The merchant posted a credit XXXX. I stated to everyone there were duplicate transactions XXXX! There was a phone number XXXX XXXX to call. Once I hold on the line, no one answers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33598
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Immediately upon closing on my home in XX/XX/2022 I walked over next door to the Local Regions Bank in XXXX, TN and opened up a checking account for my mortgage payment to be setup on autopay. The president of the local XXXX branch is who had me to his office and set everything up ( the checking account and the electronic payment for the mortgage to come out monthly. Everything was smooth until the month of XXXX. What was not noted in writing in my complaint to Regions ( im fairly certain it was over the phone ), the transaction history actually showed the mortgage amount money coming out of my accountit was listed as a deduction just like the other payments. I responsible enough that yes, I checked the account just to be sure because that is who I am, always double checking things. What is mind boggling to me is that at some point the money showed it being added back to the account so the amount that was originally deducted was credited back. The important piece of this that I want to call out is that I did not catch this amount being credited backI had checked shortly after payment was due, the transaction showed it was deductedso it was not until around XX/XX/XXXX that my husband noticed the balance on our account was higher than it should have been. That is when I looked back at transactions and seen that it was credited back. This was several days later and I did not take screen shots because I never imagined I would be in this situation that I am now where a delinquency of no payment in over 30 days is being reported by Regions Mortgage even after I have spent countless hours explaining what transpired. I have attached a screen shot of the place that shows the electronic payments and you can see there for the XXXX payment there is nothing there that would indicate there was any problem. It looks just like all of the other successful payments. The XXXX payment does too but it did not come out electronically either. On or around XX/XX/XXXX is when my husband caught the balance being off and I immediately called to see what was going on and got online made payments for both XXXX and XXXX as one lump some payment. I explained what occurred to the Regions Mortgage representative when I called and went to my local Regions branch where everything was setup. They were not able to provide an explanation and recommended that I cancel the electronic setup and procced with a different kind of setup, I do not recall the proper term used but I signed a paper for the gentlemen to cancel and he asked that I come back once all the payment stuff cleared up as the account/transactions were in a state at that moment that would not allow him to do anything further. The Regions bank worker even seen on the transactions history that the money had been deducted and then credited back at a later date. Other call outs that I would like to make note of. XXXX that handled my escalated complaint said that their records show they made multiple attempts to contact me. The day that XXXX called me to notify me that she had my complaint the phone was sitting right in front of me and it rang one time. One ring. No voicemail was left. That was it. Since I was expecting a call from Regions, I called the number back and it was XXXX answered. I explained why I was calling and she said it was her trying to contact me. I asked her why she only let it ring one time and she proceeded to explain that she does not dial the number on her end that Regions has an auto dialer and it must have only been setup for one ring. I explained my concerns around the one ring and can not help but to wonder if this is what Regions considers as attempting to contact me back in XXXX about not receiving my payment because they claim that they attempted to contact me multiple times. The money for the mortgage was sitting in the bank account. I set the account up with Regions Bank specifically in an attempt to make this a smooth process. This has been such an awful experience. When XXXX contacted me to notify me that my written complaint was denied and I asked why, she said that it was because there was no record that a payment was attempted in XXXX. I honestly dont have any other explanation than what all I have already explained to multiple people at Regions Mortgage and the one gentleman at the local office. Its been exhausting to continue to explain this and break it down. As someone who values integrity I am trusting that this complaint will eventually get in front of someone that stands for what is right and pulls back this delinquency that is being reported on my credit. XXXXXXXX XXXX explanation when she replied to my complaint with Regions Mortgage was that there is no record of a payment everything attempting to be made. This system is failing. It was setup on auto-payment. I could see where it said it came out, it was a negative. I understand that there is no record of that now but that was certainly not the case as all this transpired. I was not being irresponsible. What is being reported and reflected on my credit score is not a fair reflection of how serious I take paying my bills timely. See attached documents
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 383XX
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I have been a customer at Regions Bank for at least 3 years. I have paid off several loans and kept a high balance for many years with them. However, I have been repeatedly denied credit. My score has never improved after I paid off loans from them and yet they used my credit score to deny me credit on several occasions the last time was XX/XX/2023, on approximately the XXXX. At that time they said they checked XXXX and that my score was too low to approve me. That is incorrect. My XXXX score at that time was XXXX. I am being denied credit illegally, forcing me to have a lower credit score than I have earned, causing me severe emotional stress, family distress and unnecessary hardship. They have consistently violated my access to credit and cause my credit score to be lowered even further when they run my credit and refuse me access to funding. This is clearly discrimination and according to your organization, the Consumer Financial Protection Bureau, denying me credit is discrimination. Under 12 CFR 202.4-Discrimination A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction. The definition of discriminate according to CFPB : Discriminate against an applicant means to treat an applicant less favorably than other applicants. Adverse action against a consumer is AGAINST THE LAW according to the Equal Opportunity Act which is codified in 15 US.C 1692k. I have worked for years to raise my score and now that it is a XXXX according to XXXX, I am still being unlawfully denied credit. According to 15 USC 1681b Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title. This was not provided to me. In section 15 USC 1681b ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; I have repeatedly repaid loans both secured and unsecured on time, and have a credit score that is considered good. In no other ways have I been found to be a credit risk, except under discrimination. My reputation has been damaged and harm has been caused to me and my family. I also reviewed the list of creditors who pulled my file from XXXX and at no time does Regions bank show up as pulling my credit report from XXXX in XX/XX/2023. So they are not only unlawfully denying me credit but using data from an unknown source to claim I am not creditworthy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-22
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX, the bank debited my Regions checking acct for {$50.00} in error. This checking acct and several others were previously joint accts with my mother. She also had some accts in which she was the sole owner. She died on XX/XX/XXXX. After her death, I took her death certificate to the bank and had her removed from our joint accts and closed all the accts on which she was the sole owner. Apparently they missed closing one of her solely owned accts which had a {$50.00} annual fee and they debited my acct for that fee. I would like to be reimbursed this {$50.00}. I was told by XXXX XXXX, the branch manager ( XXXX XXXX XXXX phone ) that I would not be reimbursed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39206
Submitted Via: Web
Date Sent: 2023-04-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Regions Bank has refused to follow through with my requests to dispute charges from a Merchant, XXXX. The past month, I have been receiving letters from Regions Bank refusing to refund me or complete the dispute process in my favor. They have not provided any relevant information that is sufficient, clear and concise, or satisfies preponderance of evidence. They return to me a letter saying they believe the transaction is authorized simply because of a history of previous transaction. However, I specified three charges from the merchant which were unauthorized. I explained how the product from the merchant broke upon leaving the store and they refused to refund me. I suffered XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and neither the merchant or my bank have acted in good faith. This is incredibly frustrating and offensive. Regardless of whether I have had previous interactions with the Merchant, I have reported the transactions at least twice within the past 30 days and continuously receive a denial from my bank, with no reasoning other than their default " You've had transaction here before, so how is it likely these transactions are disputable ''. It is insulting and I am weary of the blatant disrespect, and trivial games.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My Name is XXXX XXXX, XXXX XXXX. I work with XXXX XXXX XXXX XXXX. I went to regions bank on XXXX to make a wire transfer of XXXX thousand dollars to my account in homeland, till today regions bank has refused to send the money to my account as instructed, and the money has since been debited from my regions bank savings account. I have gone to the bank several Times to have this silted out but they have been treating me with disdain. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 370XX
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: BP Mastercard puts up multiple roadblocks to closing an account since even if you stop using it they want to continue to charge fees. After 5-6 hours and dozens of calls a multiple emails I was finally able to close our account on XX/XX/2023. Confirmation no. Issued confirming closure. Now over a year later we are still billed for misc fees. When I attempt to resolve they claim Im not authorized to send EAL with them only my bookkeeper who retired a year ago. I have all the codes and passwords and opened the account with my name and SS 10 years ago but they dont care. Anything to keep the money trail of bogus fees. Im sure Im not the first to complain about this disreputable shameful company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In XXXX Regions Bank XXXX XXXX AL. fraudulently opened a line of credit ( LOC ) ending in XXXX for {$15000.00} without my consent. Originally, I assumed the LOC was a credit offer not an active account, so I did not take any action and left it alone. In XXXX XXXX, I started being billed fees against this account that I did not ask for, want and/or need! As of XX/XX/XXXX, I have spent hours and hours of my time on the phone with Regions bank customer service, collections, Account Services and Fraud Departments along with visiting my local Regions branch in XXXX Fl. XXXX to be told this issue would be resolved and acct. closed. Again, as of today XX/XX/XXXX, Regions Bank keeps applying fees and sending negative comments to all 3-credit bureaus driving my XXXX plus credit score below XXXX and dropping. I have tried to clear this issue any number of times without success! I can not tell you where the XXXX XXXX XXXX branch of Regions is let alone do business with. If this is how Regions is going to conduct business, and not assign any type of case number to show comments on an account I will take my business elsewhere.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32536
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A