Date Received: 2023-02-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: After reviewing my XXXX, XXXX and XXXX credit reports. I have found inaccuracies. I was never late on my Regions credit card account. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681section 602 states I have the right to privacy. 15 USC1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I have taken the steps of resolving this issue by filing a complaint with the listed creditors and Federal Trade Commission. Regions Credit Card : Reporting 2 late payments XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-12
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Undisclosed " paper statement fee '' and online account statement access blocked after online account setup at account opening. Hit with UNDISCLOSED " PAPER STATEMENT FEE '' and {$11.00} subtracted from my account. NO " '' PAPER STATEMENT '' WAS EVER RECEIVED AND ONLINE STATEMENT ACCESS WAS PREVIOUSLY ESTABLISHED AND EXPECTED. Tried to correct with Regions online to NO AVAIL. Regions rep. suggested wasting even more time on the phone wit Regions on a Sunday while STILL AWAITING OVERDUE ANSWER FROM REGIONS TO PREVIOUS CFPB COMPLAINT. " Thank you for connecting with us! Your feedback is very important to keep serving you better. On a scale from 1 ( very dissatisfied ) to 5 ( very satisfied ), how would you rate your overall satisfaction with our response time to your message? Survey - XXXX XXXX The survey has expired. Thank you for your time. Survey - XXXXXXXX XXXX Today Welcome! Let XXXX, your virtual XXXX, help you. What is this? XX/XX/XXXX XX/XX/XXXX Paper Statement Fee negative $ XXXX {$11.00} You - XXXX XXXX I never agreed to it. You - XXXXXXXX XXXX XXXX! I'm XXXX, your Virtual XXXX. Sorry, I may not be trained on that topic. Please rephrase your request or make a selection from the following options. Sorry, I may not be trained on that topic. Please rephrase your request or make a selection from the following options. Please select from the options below. Move money Credit and lending Help with my account Question about a transaction A communication from Regions Question about a fee Something else Please select from the options below. Move money Credit and lending Help with my account Question about a transaction A communication from Regions Question about a fee Something else XXXX - XXXX XXXX What is this? XX/XX/XXXX XX/XX/XXXX Paper Statement Fee negative $ XXXX {$11.00} I never agreed to it. You - XXXXXXXX XXXX Is your inquiry regarding access to a recent statement? XXXX - XXXX XXXX Yes You - XXXX XXXX To view or print online statements, hover your cursor over the Accounts tab in the top left of the screen. Select Online Statements from the drop-down menu. Under Actions, there are icons you can select to view and save your online statements. Did this answer your question? XXXX - XXXX XXXX No You - XXXX XXXX We're transferring you to another banker who can better help you with that. This messaging service allows you to reply to us in your own time. XXXX - XXXXXXXX XXXX You are now connected to XXXX XXXX XXXX- XXXXXXXX XXXX What is this? XX/XX/XXXX XX/XX/XXXX Paper Statement Fee negative $ XXXX {$11.00} I never agreed to it. You - XXXX XXXX Hello XXXX and thank you for messaging us! One moment while I review the account. With the XXXX Checking account, there is a {$11.00} monthly fee. To waive the fee, you must maintain a {$1500.00} average monthly statement balance or receive a direct deposit ( either a one time {$500.00} or more or a combined monthly deposit of {$1000.00} or more ). XXXX XXXX. - XXXXXXXX XXXX I was told the account fee is {$8.00}. Is another CFPB complaint in order? It looks like it is. I've never even seen a paper statement from Regions. You - XXXX XXXX It's {$8.00} if you are enrolled in online statements. XXXX XXXX. - XXXX XXXX Then fix it now and refund the undisclosed {$3.00} overcharge. You - XXXXXXXX XXXX The statement was mailed out Friday. To enroll in Online Statements, select Customer Service then select Services Under Account Services you will see the option View Online Statements. Once youve selected this screen you will see the option to " Manage my Statement Delivery and Email Preferences ''. Simply toggle to enroll then select " Save My Preferences ''. XXXX XXXX. - XXXXXXXX XXXX And you will refund that undisclosed JUNK FEE IMMEDIATELY? You - XXXXXXXX XXXX The account is not eligible for any fee refunds at this time as it shows you were not enrolled in online statements. XXXX XXXX. - XXXXXXXX XXXX OBVIOUSLY YOU CAN NOT COMPREHEND REGIONS ' LACK OF DISCLOSURE. SUPERVISOR PLEASE. You - XXXXXXXX XXXX Agent is typing... There are no supervisors available through messaging at this time. You will need to call XXXX to speak with a supervisor. XXXX XXXX. - XXXXXXXX XXXX ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34787
Submitted Via: Web
Date Sent: 2023-02-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I had a checking account with Regions bank back in XXXX. I left the country for many years, and in XXXX I got an email/letter from Regions unclaimed property asking me to confirm my account. I did so and they told me they would not close the account nor turn it over to the state unclaimed property department. However, at the end of XXXX I went into a Regions branch and asked to withdraw my money. They said the account was closed with a {$0.00} balance. I emailed them, and they have been most unhelpful. Same with phone support, which I tried to call back in XXXX and XXXX. They would tell me over the phone that they have no record of the account. I have also checked with FL, AL, and SC unclaimed property departments and the funds were not turned over to any of these agencies. The account number ends in XXXX and should have {$150.00} in it plus interest acquired over the last 10 years. I would like to claim my {$150.00} + earned interest from my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29406
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: RIGHT OF RESCISSION AFFIDAVIT Affiddavit of Truth XXXX XXXX XXXX XXXX XXXX prosperity way XXXX XXXX AL XXXX Regions Bank D/B/A Regions Mortgage XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX : Affidavit of Truth This Rescission notice is made Pursuant to U.S Code 1635 ( a ) as I was never told I had 3 days to rescind the agreement nor was I given the notices that come along with all consumer credit transactions : Furthermore, you Regions Bank D/B/A Regions Mortgage failed to clearly & conspicuously disclose my right to rescind. I XXXX XXXX XXXX XXXX participated in a consumer credit transaction and not a loan Pursuant to 15 U.S. Code 1605 the finance charge in connection with an consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me by your organization in direct violation of this law : You Regions Bank D/B/A Regions Mortgage also accepted a CASH down payment of {$5800.00} violating 15 U.S. Code 1605 which clearly says that the finance charge does not include charges of a type payable in a comparable cash transaction Pursuant to 15 U.S. Code 1611 ( 1 ) ( 3 ) you can be fined up to 5000.00 for giving false, inaccurate information and fails to provide information which he is required to disclose and in this case you Regions Bank D/B/A Regions Mortgage willfully did when you failed to disclose and provide all information clearly to me as a consumer. ; Notice that Pursuant to 15 U.S.C 1635 ( b ) upon receipt of this rescission I am not liable for any finance charge, security interest, etc. becomes void effective immediately. Take futher notice that 20 days after you receipt of this notice you have to return any money or property given an also terminate and reflect that termination of the security interest placed on the property which in the case is a property located at XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your failure to comply with this rescission will result in civil liability for fraud Pursuant to 15 U.S.C 1640 This Affidavit of Truth is dated the XXXX Day of XXXX in the year XXXX XXXX XXXX XXXX [ Agent/ Beneficiary ] Without Prejudice, All Natural Inalieable Rights Reserved SEAL
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 356XX
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-12
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: XXXX XXXX fuel card was used in another state ( AZ ) while the card was in our possession and we have transactions to prove that we where in Missouri on the same day. Fraudulent charges totaled XXXX $ and XXXX XXXX said that I'm not covered under their card agreement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63052
Submitted Via: Web
Date Sent: 2023-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: REgions bank just frozen my funds on my checking account on XXXX XX/XX/2023, so i can not move it... i have tried to reach them via online channel but they do not want to help me, i can not visit branch cause i have issues with my health! i opened online banking so they should resolve my issues via online channel as well!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61401
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have been trying to get someone to help me with the Banks in XXXXXXXX XXXX and identity theft. I have had problems with XXXX XXXX and XXXX XXXX XXXX bank and XXXX XXXX Bank and XXXX and XXXX XXXX XXXXXXXX and now XXXXXXXX XXXX Regions Bank .I have money missing again and it is becoming an increase problem because everyone is calling me for late payment because of stolen money from bank account. I also went to bank with the person who works for XXXX XXXX XXXX department Victims unit assistance. Instead of manager XXXX help she got security on the phone conference call she and manager didn't take the time to go over any of what was wrong they both kept saying it was correct and it is not correct. If it's correct why not show me and I show you what the problem is and I was already going over information with someone else in the office XXXXXXXX XXXX for two weeks with no results so I made a appointment with the Bank manager XXXX and XXXX is in Security. Both lied and said I left bank with XXXX but I didn't I left with XXXX I asked to see footage but they refuse. Then they kept asking me about the person from sheriff department who is she really to me like as if we were dating I had already explained to XXXX who she was with the police report and her XXXX victims assistance is XXXX XXXX ext XXXX XXXX. None of the debits match the credits and it doesn't add up to the amount of money I deposited in the account.And the Bank let someone cash out XXXX out of the account. I just got some money back from someone stealing my identity from XXXX XXXX Bank and someone breaking into apartment checks from XXXXXXXX XXXX insurance company which they sent check to library to be printed but it also looks like someone else printed a check also from library in XXXXXXXX SC. I printed checks from library in XXXX XXXX XXXX SC. Now almost the same amount is missing from account at Regions Bank plus my disability money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My checking account at Regions Bank has been on hold for about 4 months now, since I opened the account. Ive went into a branch and signed some forms, which was supposed to fix it. But I still have no access to withdraw my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 401XX
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Thursday, XX/XX/XXXX at XXXX XXXX I went to my atm and deposited XXXX XXXX XXXX bills equally {$600.00}. I can only deposit 30 units at a time so I counted 30 beforehand. It took a long time to process and gave my card back while saying my transaction was cancelled. It printed out a receipt saying there was a problem returning my money and to contact my bank. Last time this happened I had to wait almost two weeks to get my money back ( it was also {$600.00} ) because Regions bank said that the people who work on the atm only come out on Wednesdays and they need to make sure it really was {$600.00}. When I got my money back it was only {$300.00}. They told me there was nothing they could do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62702
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I don't have all the details about the account. The Bank is Regions the account was opened some years back by a female acquaintance at I had at the time I was unaware of the account and filed a police report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A