Date Received: 2023-02-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2021 a settlement was accepted between myself, my home insurance company, and roof contractor which was brokered by an attorney who was representing me. The insurance company provided prompt payment of the settlement. The total was XXXX, XXXX to be paid to myself, and XXXX to be paid to the roof contractor. I took the check to my bank later that week and deposited it into my checking account. Here is the beginning of the problem. The person working the window took the check no problem and gave me a deposit receipt. The check was made out to three parties. Myself, the roof contractor, and my mortgage company. I was under the impression that I was to deposit the check and then pay the contractor their due amount. Three days later I received a notification from Regions bank that they would not release the funds for the check because all parties had not endorsed the check. I said ok and went back to the bank to retrieve the check but it had already been " sent away ''. Long story short I still have not been able to secure my funds. We are in a deadlock between the mortgage company and the bank. The mortgage company wants the bank to release the funds so that it may reissue the check but the bank will not release the check. That being said the mortgage company will not re-issue the check because it would be paying the amount twice. It has been over six months of back and forth between all parties involved and there is no resolution in sight. At the very least I seek what is owed to me, though a bit more for the hours and hours of work that I have put into this would be appreciated as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33431
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Attempted to pay a balance in full with Enerbank on XX/XX/23. Paid balance listed on last statement as well as the amount shown on the Enerbank website. Received a statement dated XX/XX/23 which showed a balance of ~ {$500.00}. Called to see how/why this balance existed since the listed balance was paid. Was told that the amount due was related to past interest which wasnt factored into the balance as well as interest accrued from the statement date ( even interest compounded daily wouldnt equate to this amount ). Stated a manager would call me back but have not received a call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75023
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: there are like 24 inquiries I do not recognize on my report. I haven't applied for anything in the past 3-4 months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30296
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: I made a purchase for a pair of sneakers for my daughter through XXXX with an online seller. I never received the shoes and I paid the seller {$150.00} through XXXX. When I contacted Regions to file a claim, I was told unfortunately I am out of luck. The only way they would complete a claim is if it were a debit card transaction. I explained that I had not received the product but the representative stated it didnt matter because XXXX is a third party. XXXX is helping people crooks steal from innocent, hardworking people. It is not fair for someone to take money from me and I do not receive the product/service in return.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: After a year and a half of fighting with regions bank they finally mailed me a cashiers check with my remaining balance from my checking account but they mailed it to my old address and they have my new address that I provided to them several times on a notarized letter and still they mailed it to an address I havent lived at in over a year and now they are refusing to reissue the cashiers check to my new address
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 693XX
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Hello, On XX/XX/2023 I called Regions bank when I noticed my bank cards and my phone were stolen, which also had my debit card inside. I immediately told the customer representative that I wanted to place a lock on my card. I was also told that {$2900.00} was stolen out of my account. The Regions customer representative told me that the investigation would take up to 10 business days. About 15 days have passed and I haven't received any type of update about my claim. I called Regions bank again on XX/XX/2023 to check on my claim since I have not received any update via email or XXXX and I was told the claim was denied, I proceeded to ask why and the representative told me because I authorized the payment. I told the representative " No I didn't '' I was unaware of the charges and I was never contacted about making the charges to my account so how is that possible? I was told a text message was sent to my phone and it was authorized. I told the representative my phone was stolen like I told a Regions Customer Representative on XX/XX/2023, so it's ridiculous that it was denied when I didn't have my phone to even authorize the charge. The representative I spoke to on XX/XX/2023 told me that the information was then added to the notes and I would have to wait another 10 days for the claim to be investigated. I wasn't even in Georgia at the time of purchase, I was in a different state. I attached my flight itinerary on the complaint It's ridiculous that the first I spoke to didn't take good notes of my investigation the first time, otherwise Regions would know that I didn't authorize those charges because my phone was stolen. Now I am late on my school tuition and have to pay late fees because my money was stolen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I opened a secured credit card with XXXX XXXX. I'm currently fighting an aggressive XXXX XXXX and have been unable to work due to the side effects of the XXXX so I can no longer pay on credit card. I have not missed any payment nor have I ever been late on any payments. I called XXXX XXXX to close the account and they told me that it would take ninety days before they can close the account. Which meant they needed 3 additional payments on the account. I really don't understand this. If they were closing the account and it was secured I wouldn't have to make a payment at all. I am in a situation where I'm need the money to make my co-payments for XXXX. I need to know why I have to make ( 3 ) additional payments on an account that I requested to be closed? It's a secured account that closed so no transactions will be approved. I think it's just the bank 's way of ripping people off for an additional ( 3 ) payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have been trying, since XX/XX/2023 and again on XX/XX/2023 to explain to Regions Bank that I have yet to receive my new debit card, which expired XXXX. This happened a couple of years ago when my debit card was renewed. I live in XXXX. The bank has my XXXX address, yet they seem unable to send me the new card without me having to make several phone calls to the U.S. and explaining the situation. The last time they ended up XXXX XXXX me my new card. I am a XXXX citizen and I have once again been without access to my funds for over two weeks. I explained several times to 3 different bank managers that I am unable to purchase food or gas or access my funds if I should have an emergency. Regions Bank seems unable or unwilling to assist me receiving my renewed debit card. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Problem when making payments
Subissue:
Consumer Complaint: XX/XX/2023 ( the most pertinent among other calls ) Spoke to a representative of EnerbankUSA concerning problems trying to pay loan for an air conditioning unit. I can not get any accurate information on 1. If a payment has been received. 2. How much principal is left on the loan 3. Missing payments. I can not get any of this information online with my account, on the phone with a representative, or from the statements sent. I also got a bill for payment not going through and I can not get any information about this transaction except it was not accepted. This bank, EnerbankUSA apparently works through another bank called XXXX that sent me a payment not valid. I called the number on the bill and it is out of order. It is terribly difficult to pay a loan off if you can not get any information on 1. If a bill has been paid 2. If a payment has been received 3. How much I have paid in total 4. How much is still owed Or if I do get information it is absolutely wrong according to my bank statements. I will not send this lender my bank routing number, I only write checks because I saw they had been sued for secondary lenders taking money illegaly out of peoples bank accounts. I was also told a representative would get back to me with 48 hours of XX/XX/XXXX and I never got a call
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My company was charged at least {$18000.00} in XXXX months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX ) due to what was called late fees and interest fees. When I discovered the issue in XX/XX/XXXX I contacted the company to discuss the statements and payments made, they were unwilling or unable to explain why I was being charged. Instead I was told the system attached the fees and there was nothing they can do about it even though my balance was paid in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 24019
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A