Date Received: 2023-02-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was scammed on a phone call dated XXXX/XXXX/XXXX, I wired over $ XXXX to someone posing as XXXX XXXX. I am usually very diligent regarding scams ; however, this scammer called me from the XXXXXXXX XXXX customer service number ; therefore, I thought it was legitimate. I immediately reported it to XXXX XXXX 20-minutes after on XXXX/XXXXXXXX, and they did not notify the bank where my funds were transferred until the next day. XXXX tried to recall my money from Regions Bank ( Alabama ) the following day and continued to try for 28-days. However, Regions Bank will not respond to any of XXXX XXXX inquiries and XXXX XXXX has now closed my investigation. I need help, I can not pay my bills as this was my life 's savings. I have attached my XXXX XXXX statement for the affected account, this account has since been closed by XXXXXXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06066
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: have opted out of overdraft several times. overdraft still happens. still charged fees. extended overdraft resulted in access to account being limited and card being shut off without notice. this resulted in issues paying bills and accessing money deposited in account. fees paid.
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: 2023-02-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Accounts REGIONS BANK XXXX XXXX : {$6900.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77004
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the FAIR CREDIT REPORTING ACT this creditor has violated my rights. 15 USC 1681 SECTION 602 states I have the right to privacy. 15 USC 1681 SECTION 604 A SECTION 2 : it also states a consumer reporting agency can not furnish a account without written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late payment for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35124
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
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: In XXXX of 2022, I was approached and approved for a XXXX XXXX XXXX XXXX XXXX via XXXX XXXX. a Day or 2 Later, I saw on the News where this Same Company went Bankrupt and Left Customers holding the Bag. I immediately Called my points of contact only to find that all numbers had been disconnected. The News had provided an online link for Customers of this company. I found the link and it's Contacts to IMMEDIATELY CALL and CANCEL EVERYTHING Pertaining to them. I was given a series of emails & phone numbers from which to Submit an Affidavit of what happened, of which I submitted both via email, and regular mail. No Money, or Services, OR Goods were Ever Rendered, as they went bankrupt the Very next day. Needless to say, this Outstanding Debt appeared in all 3 of my Credit Reports of which I Contested all 3, yet their investigations Stood. I have literally been going back and forth with this Company for 6 Months, making Probably close to a Hundred Calls over 6 Months, Numerous Emails & Everything, Only to be Passed around and told the Same thing. " ive taken notes and forwarded your concern and someone will get back to you '' Nobody has gotten back to me, and the Matter is STILL being Reported to all 3 Credit Bureau 's as an OUTSTANDING DEBT of {$17000.00} by ENERBANK USA which NO DOUBT has Affected both my Credit Score AND my ability to get a good rate on a Loan or credit card. I've Contested the matter TWICE with XXXX sending them COPIES of the Affidavit and THEY STILL have not Removed this FALSELY Reported Debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 464XX
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hello my name is XXXX XXXX XXXX. I am a victim of identity theft and my personal information was compromised. Accounts was opened in my name without my consent. I also just recently filed bankruptcy and I included Regions bank with my filling. Attached are the legal documents
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60409
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: Regions Bank has repeatedly placed a multi-day Hold on my VISA Business Credit Card 's amount of Credit AFTER payment of the Statement Balance has transferred to Regions Bank. Most recently a 7-Day Hold was placed on the VISA card 's Credit between payment on XX/XX/XXXX XXXX through XX/XX/XXXX. I presented proofs of transfer as of XX/XX/XXXX from the XXXX XXXX of full Statement Balance payment of {$4900.00} to the Regions Bank local Branch and to Regions Bank online customer service. Regions Bank employees were sympathetic, but their superiors in the upper offices of Regions Bank would not lift the Hold. The Hold lasted till XX/XX/XXXX. It caused many problems for my wife 's and my XXXX XXXX XXXX XXXX XXXX Regions Bank had placed a similiar, irrational Hold on funds the previous XXXX. I think this Bank 's practice of such Holds might be akin to Regions Bank 's misrepresentaton of customers ' account-balances and hence R B 's collection of Overdraft Fees. Compliments to the CFPB for twice catching Regions and compelling the XXXX {$56.00} million and XXXX {$190.00} millions penalties. Please call if any more information is wanted. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX mobile
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70131
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Regions Bank filed a lien on my property at XXXX XXXX XXXX Tennessee XXXX on XX/XX/2007. I recently contacted XXXX XXXX XXXX at phone # XXXX, ( XXXX ). I have contacted several regions associates and every XXXX keep passing me to someone else ( from XXXX branch to another branch ) but getting no results. The address to Regions Bank that has filed the lien on my property is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX. I find this debt to be invalid and possibly fraudulent. Thank you for investigating this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 380XX
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I had XXXX XXXX deposits going into my account and the money was not reflecting the amount that was going in and I was paying extra money to have it instant deposit but instead they were having my transactions pending instead of doing the instant deposit also they were holding my charge back. I saw it that the people put the money in my account that morning, look back at it later on and it was taken out and the bank told me that it was the company but the company said that they put the money in my account and also gave me a confirmation number, The bank kept lying to me only the story would change when I tell them I had proof and showed them that I have screenshots of how the money was deposited through online banking. Also my balance is not reflecting the correct amount. The money was deposited but the balance never changed. Spoke with a supervisor and received the same story.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75241
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Basically I just found out that they been doing this. Applying overdraft charges the day or two before my deposit hits. I keep talking to customer service about having no overdraft but every time it is close to payday here comes the overdrafts. Now Im told I didnt confirm that I wanted to opt out but I opened the chat to dispute it why would they say I didnt confirm? I have a {$100.00} advance that hasnt been paid in a month because they put all these fees then say not enough money to pay it. Sent 2 weeks ago but somehow it keeps coming back and how are the monies coming out of my account when I have money but end up being a overdraft. Im fed up theyve gotten well over {$1000.00} from me in overdraft and I finally see how.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77033
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A