Date Received: 2022-11-19
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: XXXX Prior Case Credit Submitted by Customer Representative did not fully complete all as promised. I was promised a credit which was provided - Completed I was promised a letter of clearance This entire conversation was recorded as proof of promise and will be attached. The debt was paid and letter of clearance was never provided.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30168
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: My Regions checking account has been charged overdraft protection fees on several occasions despite my not being enrolled in overdraft protection. I reached out to Regions customer service via the mobile app messaging service and I was told that my account was opted in to overdraft protection when on my end it clearly says I am not. I offered to send the customer service rep a screenshot of this record but unfortunately there was no way to send pictures through the service and she refused to give me another form of communication for the customer service line. I am sick of being charged for fees unknowingly when I am under the impression that Ive opted out of this coverage for this very reason.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30066
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: This Concerns Regions Bank on both a personal and business account. On XX/XX/XXXX at XXXXXXXX XXXX XXXX I received a text notice from Regions bank of possible fraud a wire transfer via XXXX XXXX to an unknown account was requesting wires of {$300.00}, {$300.00}, {$300.00} dollars. I logged into my region 's account to verify the fraud and saw them listed as pending. I then received confirmation codes to approve the wire I did not approve the wire or share the codes with anyone else. I then called and spoke with Regions fraud department and instructed them to freeze my account. I was told the account was locked however the wire transfers still went through. At XXXX XXXX I could not login to my account to check what was going on as the fraud department had locked out my access but did not lock the account from sending out funds. Friday, XX/XX/2022 I learned that more funds had disappeared from my business account associated with my personal account at Regions. Someone had wired {$61000.00} to a XXXX account. I further discovered at XXXXXXXX XXXX XXXX that my wife could still get into our account and I saw the wire transfers were sent even though I called and said they were fraud even though my account was supposed to be flagged and closed due to fraud. I then called electronic banking at Regions and told them what had happened and they said they froze my account they then transferred me to the fraud department and I again explained what had happened and asked the XXXX wires be listed as fraud and file a fraud report. Then the fraud department said my account was not frozen and did I want to freeze the account. I told them yes, I was mad because I had called and now spoken with XXXX representatives and my funds were still not safe. I was told to go to my local branch to close the account and open a new account. I said I would do that. On XX/XX/XXXX I had to go open an account at a separate bank and scrounge up whatever cash I had to pay bills that would now bounce due to the fraud it took me all day. On XX/XX/2022 at XXXX XXXX I went into Regions Branch and spoke with the representative and found out that my account was frozen however the wire transfers still went through I requested a copy of who authorized the transfers and she could not tell me. I filed complaints with her about all that had happened to that date. I then requested the balance of my funds to be able to pay my bills she said she could not as the account had been frozen and even the assistant manager came over and explained they had to submit a request for my funds and it could take days. I told them this was crazy that the person committing fraud could get to my funds and perform a wire transfer even though I had not ever set up wire transfer options or authorized the transfer. But I the rightful owner of my funds could not get to my funds when I requested them after providing all required proof of ID. Due to the holiday of XXXXXXXX XXXX the XXXX was closed Friday. On XX/XX/2022 at XXXX XXXX I received a call saying that regions had released my funds. I then drove to retrieve my account balance. At XXXX XXXX I met with the region representative at the bank and requested my funds I asked if there was any update on my reports of fraud and the wire transfers with XXXX XXXX. She check online and told me that there were no Fraud reports showing on my personal account about the wire transfers. I then instructed her to please do so. I then asked her to file a complaint against the fraud department for having done so when I requested it back on XX/XX/XXXX. At this point, the level of incompetency with Region 's fraud prevention and service departments has not returned any of the funds they have not done as I the client and owner of the funds have requested on numerous times. I have not had any of my funds returned even though the business funds were found at XXXX XXXX by the XXXX XXXX. My personal fund have not been returned even though I confirmed they were fraud back on the XXXX, the XXXX, the XXXX, and the XXXX. I have late bills causing late fees totaling {$1200.00} so far. My business has no funds and I feel violated and that my rights are being overlooked for the bank 's own gain. If I did not authorize the transfer who did period? I have sat with the Regions bank staff and they can go onto my account and see I never established the ability to send funds via XXXX XXXX. To date, I have not received a copy of the authorization for any of the wire transfers even though I have requested them for both accounts. I was never contacted about the business funds being wired even though I have 2-point verification security on all my accounts And I was never charged the wire charge to transfer the funds. I believe Regions bank was hacked and they are not disclosing this to their clients. I am in insurance and financial services I can say further, the actions taken are not professional and in the client 's best interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: During the Covid 19 pandemic, I loss my job, I got approximately XXXX behind on my mortgage with Regions Mortgage. I applied for help through the XXXX XXXXXXXX XXXX XXXX ( XXXX ) and I was awarded XXXX from XXXX to go towards my mortgage. The XXXX representative advise me that {$20000.00} would be paid to bring my loan current. The remaining funds would be applied to my monthly payments. None of this happened. My arrears were not paid. XXXX paid my mortgage for XXXX months. They did not pay the arrears. I was not informed of the change. I was approved for {$40000.00} only XXXX was paid on my loan. I was never told the mortgage payments were ending. I have now been told I have to reapply. This is XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX my mortgage lender is Regions Mortgage. My current interest rate is under 3 %. Regions Mortgage is recommending that I refinance at the new higher rate, which is double my current rate. I have a XXXX son who requires 24 hour care. After Covid 19, my care provider of 15 years is no longer able to help me with my son. For the past 15 years I have worked 2 jobs just to provide medical care alone for my XXXX son. My question is why didnt XXXX pay the portion that was in arrears as they told me they would do? Why do I have to reapply for Mortgage funding I have already been approved for and still desperately need? How does XXXX decide who get arrears paid and who does not. XXXX application # XXXX ; Regions # XXXX ; FTC # XXXX. It is obvious that the states are trying to keep consumers like me in a conundrum of paperwork so that states can keep the federal funding meant for tax payers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38053
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30093
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: my personal information was stolen and accounts were opened in my name. I am also victim of check fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I asked for my account to be closed with the card issuer back in XXXX of this year. I am due a security deposit of {$500.00}, and have not received it yet. Each time I call, they give me the run around telling me to wait for the processing to to process my request. I called in XXXX and was advised the account wasnt closed because they sent me an email to confirm if I indeed wanted my account closed. I assured them that I wanted the account closed and wanted my security deposit back. This conversation happened XX/XX/2022. The representative advised me that I would receive a check in the mail within XXXX weeks. Today, I called to check on the check status being I did not receive the check, I was advised by the manager that the check was approved on XX/XX/XXXX, but it was not sent. The manager said that he sent another request today and I have to wait XXXX weeks. I feel this company is holding on to my money and wants me to give up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Today is XX/XX/2022. On Saturday, XX/XX/2022, I walked inside Regions bank and deposited a check from a settlement I received. The check amount was XXXX. I asked the bank teller specific details regarding the availability and processing of my check funds. The banker printed out a Notice of Hold form that indicated a hold would be placed on my check deposit because it exceeded {$5500.00}. Additionally, the form contained the exact dates and amounts of the check disbursement. The form indicated that on XX/XX/2022, a hold would be released from a portion of the funds in the amount of {$5300.00}. It also indicated that on XX/XX/2022, the hold on the remaining balance would expire. Based on this information, I set up bills/checks to be paid against the {$5300.00} that was supposed to be available today ( XX/XX/2022 ). This morning after checking my account I discovered that the {$5300.00} was not deposited as promised. I went to the bank to get a resolution. I spoke with the branch manager who inquired where the check came from. I answered his questions and showed legal documents regarding my settlement. He proceeded to inform me there was nothing else he could do to release the {$5300.00}. When I asked for the reason, he said he didnt know because it was being handled by the back office. When I asked him for the back-office contact information, he said he was the last chain of command I could speak to regarding the matter. I informed him that the misinformation I received regarding the time of disbursement was creating a stressful financial situation for me. He callously showed no regard for my concerns. There was no accountability for why I was given incorrect information about the date my funds would be made available. There was zero explanation as to why my {$5300.00} is not being released in accordance with the Notice of Hold form. I have been a loyal customer to regions bank for over five years. I have never had issues with check bouncing or anything like that. I feel I am being mistreated with unfair and unsavory banking practices. I am considering switching banks after this catastrophe.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a savings account with Regions Banks on XXXX and made a deposit in the amount of {$12000.00} and one withdrawal in the amount of {$1400.00}. Since then, I have not touched the account, and just recently when I went to get funds out of the account I was told the account was closed. I have a statement with the account number and proof of deposit but no one at Regions is willing to help me locate my funds. In addition to them not being able to find the original deposit I was also supposed to be getting direct deposits into another checking account monthly since XXXX and I did not start getting them until XXXX even though the depositing company says they were sending them
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70501
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 1.I have never had an account with this company REGIONS BANK , REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are REGIONS BANK the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681. .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37421
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A