Date Received: 2023-03-03
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: My account is freeze but they dont tell me anything, I want to close this account and get my funs
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I used my card for the wrong transaction my account was charged XXXX I put in a claim and it was denied they never researched I spoke with the merchant and got email that the money will be refunded back to my account on XX/XX/XXXX the money was pending to the bank but now they claim its still not there and wont issue me a credit keep telling me will be XXXX 5 day wait but had they investigated and didnt deny my claim I would already had the money in my account Im XXXX and live on my money so this is hurting me to keep on waiting I tried to open accounts in other banks it will not allow me so Im stuck with this XXXX bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34606
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-03
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I applied for the BP business solutions gas card in XXXX with the wrong EIN, so the representative on the phone deleted the application and processed a new one in XXXX. I never heard back from them, and they already pulled my credit on XXXX. I had a XXXX at the Time and still have good business credit. I called multiple times and never received an approval or denial or anything in the mail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2023-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: XXXX {$72.00} XXXX {$100.00} XXXX {$100.00} XXXX {$100.00} XXXX {$36.00} XXXX {$36.00} XXXX {$36.00} XXXX {$100.00} I talked to one of there the banks representatives at Regions Bank, about this accuring issue , and she sounded like if she was upset in talking me about this issue. They told me they were going to reverse the issue and they issued me a new card. But, they just setted me up for financial failure. I would really like to either resolve this issue or close my bank account entirely. And, return 'ALL ' my paid overdraft fees, for no fixing the issue on the first attempt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Wanted to get a loan for about up to XXXX they told me Ill get approved but I was denied.False advertisement then I went to the bank and filed a complaint.I was told its nothing we can do!!! you was denied cause account was open long enough
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-02
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: For the Month of XXXX, 2022, I was late making a payment on a new Regions Bank credit card that didn't show on my Region 's account online. The credit card was in my name and ended in " XXXX ''. After contacting Regions, they stated that even though my name was on the card, because this account was " Joint '', only my mother could access the account for making payments. They went on to say that there was nothing more they could do regarding the credit mark. The amount owed was around {$1000.00}, and was paid off the following month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32259
Submitted Via: Web
Date Sent: 2023-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Friday XXXX of XX/XX/2023 I open a business checking account inside the branch and deposited the checks that XXXXXXXX XXXX sent me for account closure. Received a call from XXXX this morning that those checks was already deposited and cashed out from them on Friday. Regions is failing to release my funds snd now is stating that their back office has the account on hold because of investigation of the checks 3 total XXXX, XXXX and XXXX all separate checks deposited into the account XXXX Ive spoken with other representatives from Regions and they stated I just to verify more information but when going back Regions that are stating something different. XXXX XXXX is still releasing negative information about me in which Ive already frozen all information about me previously due to identity theft issues. They have all that information on file already but continues to report on my behalf in which they have been instructed to do so.
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: 2023-02-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Regions bank took {$2000.00} out of my savings account for a secure loan of {$2000.00} I informed them to keep the {$2000.00} they took out of my savings account to pay off the secure loan in full and close the account they took my money but they are still trying to collect money from me bye sending me a bill still on this account which should have been closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
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: Regions Bank, at their XXXX XXXX branch in XXXX AL. This started on the date of XX/XX/XXXX. Their ATM outside their building facing the XXXX malfunctioned and when I was making a deposit for the amount of {$600.00}, it came up with an error through the transaction and gave back a {$1.00}. The dollar got stuck in the machine and the ATM malfunctioned and gave me an error, took all of my cash and gave no receipt. I went the the branch the next day, and filed a dispute. They gave a credit of the {$600.00} back, and said they had to wait for the trucks to collect the money in the machine. Theyve mentioned the trucks come every week. And fast forward to XX/XX/XXXX when they took back the credit theyve gave me. And said my deposit was only {$180.00}. So I had to pay back {$420.00}! I filed another deposit and it was instantly denied. The XXXX XXXX inside the branch could not help me, due to him apparently not having access to the machine. I sold a computer on the XXXX in the parking lot across the branch, and I have messages to prove I met someone in the parking lot to prove it was indeed the {$600.00}. I requested them to check the security cameras and they denied my request, due to the fact they claimed it would not help my case. I told XXXX that you can tell the difference between a stack of {$20.00} in the form of {$600.00} vs the stack of {$20.00} in the form of {$180.00}. Because it would be a bigger stack. They still claimed they couldnt check the cameras unless i had law enforcement. They also claimed if I had a receipt it would be a different case. But their machine did not provide one. The same thing that happened to me, happened to my mother this month as in XXXX. The stopped providing responses. I have all the proof they want but they wont take it. I just wanted them to check the cameras and see that I indeed had a stack of {$20.00} in the form of {$600.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36582
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
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: To Whom It May Concern : I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago I requested an investigation because I felt the item ( s ) below were not being reported legally. A couple of days ago I received a letter stating that your investigation was complete and the items listed above were Verified. This letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verification. Your response should to me should include the following at a minimum. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? What certified documents were reviewed to conclude your investigation? Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. What did it cost your company to obtain the documents needed to complete your investigation? Please provide proof of your timely procurement of certified documents. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? If yes to above : Who did you speak to? On what date? How long was the conversation? What was their position? What telephone number did you call? What is the name of the employee of your company that spoke directly to the above party? What is the position of the employee of your company that spoke directly to the above party? How long has that employee been employed by your company? What formal training was provided to this employee to investigate items of this kind? Was there any e-mail or written communication between members of your company and the above party? Provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. Provide the date of the commencement of delinquency. Provide the SPECIFIC date reporting that these items will cease. Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response. My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above-requested deletion or requested/required documentation of your investigation, I will pursue the enforcement of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75044
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A