Date Received: 2022-11-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I reported to Enerbank USA by postal mail, letter dated XX/XX/2022, by USPS Certified Mail with Return Receipt number : XXXX XXXX XXXX XXXX XXXX, that the account they are reporting to all major credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, etc., is a fraudulent account as I did not open any such account. I did not receive a response back and mailed them another letter, dated XX/XX/2022, USPS Certified mail with Return Receipt number : XXXX XXXX XXXX XXXX XXXX. On XX/XX/2022 I received a letter from Enerbank USA, copy attached, dated XX/XX/2022, stating that they verified the debt as valid and is accurately reporting to the credit bureaus along with a Note & Disclosure statement and a Payment Authorization form. I do not have any knowledge of this account not did I make any payments to this fraudulent account. The letters received, which are attached, are also proof that the signature, that looks like someone just typed out and printed, is not mine and also the address listed on the account is not mine. I do not have any contract or any business with EnerBank USA nor ever did. This account is not mine nor did I authorize anyone to use my name for to obtain any goods or credit. The total amount stated on the letters I received is {$12000.00} but Enerbank USA is reporting this fraudulent account balance of {$24000.00} to all major credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60035
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
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: My account always go necative and I dont know why so I remember one time I deposit XXXX bucks on my account cuz its necative and one week later I found theirs nothing on my account..went their and ask them about my bank cuz its always getting necative and they told me if I dont use my account 3time a month they charged that..my wife canceled her bank with them cuz it happened a lot with her so she dont bank with them anymore but she ended up owing them..so I want them to change and stop messing with people money..cuz we swet for it..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38111
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-29
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My partner and I are joint account owners on account ( I am fully aware that means XX/XX/XXXX ). ON XX/XX/XXXX ( Friday ) he was arrested for XXXX XXXX my XXXX XXXX XXXX after her disclosure with full admission on his behalf. By Monday, his sister had gained XXXX XXXX XXXX and removed all the money from my account. When asking for the POA, I was not allowed to see it ( although they did not open until Monday and the money was removed Monday, also.. they acted surprised after the heard what happened as if they were lied to completely ). They told me they would look into it, because the manager was not aware of a POA taking the money out if there was a joint account owner that was not an elderly on the account. They refused to print the policy for me. After gaining the POA, I have a hard time believing it was ever verified ( discrepancies in signature and wishes ... and " he '' signed for " saving his eggs in case of an emergency '' among other odd requests ). After this, I asked to close the account that is now at a {$0.00} balance, and they said they could not without his signature and could not do it through the POAs signature? I could not be removed without his signature ( although I am not allowed to have contact with him and he is XXXX XXXX XXXX ). I then tried to keep the balance up and close all the automatic drafts coming out and then asked to turn off automatic drafts- after catching it up.. they continued to allow it to be overdrafted with his credit card and other automatic payments that I had no control over. Now they are sending me a default paper and refuse to correct any of it. I feel I did everything I could from the beginning. I took ownership of the joint account even though I still don't believe it is ethical even if it is legal but after all of that, I do not see how I could possibly still be responsible or how a judge would see it that way if I were to take it further. I need to know the next steps to take. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2022-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I submitted a Balance transfer on XX/XX/22 and it was over 2 weeks before I received a response. Regions shared with me the balance transfer was cancelled. The agent entered the wrong information and I asked if the balance transfer could still be accepted since the 0 % interest promotion had already expired on XXXX/XXXX/22. The agent XXXX said she would request the promotion be reactivated and to call back in 3 business days ... after the 4th business day there still was no answer for my request # XXXX will submit request to research to have promo code XXXX Ticket Number XXXX and I was told to call back every day to check the status. However, I received notification that the balance transfer was processed however at the 24.99 % interest rate, so I called XXXX XXXX XXXX again and spoke with XXXX, and she confirmed it was a 24.99 % rate, and this was not the agreement for the {$550.00} balance transfer, so XXXX put in another Request to the XXXX XXXX to adjust the {$550.00} balance transfer to be at the promotional rate of 0 % ... I also have the mailer indicating this promotion. Regions is known for false advertising and making customers jump thru hoops to get an answer and I am tired of Regions so please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38116
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: My sister and I inherited irritated my mom and dad 's trailer park. My dad passed away in XXXX my mom passed away last XXXX. We have XXXX mobile homes and its been a struggle getting them in our names. XXXX mobile homes are showing liens on them. The three mobile homes also were purchased through 2 banks that have changed names and or gone out of business. These 3 homes are over 30 years old. We just need titles so we can retitle them in our names. The taxes have been paid for the last 30 years by our mother. When my sister became the executor of the estate in the state of Va. The homes went in our names where taxes are concerned. But DMV its a big mess. I have VIN numbers, models and sizes of homes. I have contacted FDIC they helped me locate the banks that have the liens but noone seems to want to help. I can't talk to a person everything is automatically sent to online automation. So here is the information : : XXXXXXXX XXXX XXXX XXXX VIN number XXXX The original bank was : XXXX XXXX XXXX XXXX XXXX in XXXX Va. Address was XXXX XXXX XXXX FDIC told me the bank that took over is XXXX XXXX Regions Bank out of Alabama XXXX XXXX. Second mobile home : XXXX XXXX XXXX number : XXXX The original bank was XXXX XXXX XXXX XXXX XXXX This bank changed its name back in XXXX to XXXX XXXX XXXX XXXX XXXXXXXX. Address : is the same XXXX XXXX XXXX XXXX VA XXXX. The Bank that took over is XXXX XXXX Regions Bank out of Alabama XXXX XXXX The 3rd mobile home : XXXX XXXX, VIN number XXXX. The original bank is XXXX XXXX XXXX. In XXXX Va. The bank that took over was XXXX XXXXXXXX XXXX XXXX XXXXXXXX. Out of XXXX NC.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 24540
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
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: On XX/XX/2022, I submitted my initial complaint with the XXXX against Regions, XXXX, stating that I had been trying to set up autopay through my Regions online banking ( OLB ), and the payments were not going through. I stated that this had been going on since XXXX. Furthermore, I noted that I am a former employee of Regions. Therefore, I know how to set up autopay through OLB because I helped hundreds and possibly thousands of people setup their autopay through OLB. However, Regions did not believe that there was an issue on their part. On XX/XX/2022, I submitted another complaint against Regions through the XXXX, XXXX, addressing that I logged into my OLB with Regions to make a 1 time for my credit card payment on XX/XX/2022 before my due date of XX/XX/2022. This time Regions admitted that there was a problem with their system. Around the same time I noticed that Regions added a remark to my credit score. I can not see the remark except for the fact that it was a late payment. Common sense would suggest that this remark was unjustified based on my previous 2 complaints. Now, I am submitting a 3rd complaint against Regions about the matter of their system not functioning properly. This as no shock to me as a former employee of Regions. As I suggested in My first complaint on XX/XX/2022, there needs to be a large scale investigation against Regions. They notoriously bully and make it difficult for consumers to have any type of financial justice when Regions is at fault. As you can see, I have been dealing with this matter through the XXXX. It started when no one at Region s would return my calls or respond to my complaint made to their internal system. It almost seems like it takes and act of god to make to Regions correct their mistakes and own their responsibility for the wrongs that they have committed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 545XX
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Other transaction problem
Subissue:
Consumer Complaint: Sent an International wire on the 5th from Regions Bank Branch on XXXX XXXX in XXXX XXXX LA, Banker- XXXX XXXX XXXX Manager- XXXX XXXX XXXX XXXX XXXX Its the 26th and the beneficiary bank in XXXX has not received the wire. We were told that It was supposed to take three days to get there XXXX XXXX ordered on the XXXX. We were told by Customer Service that notwithstanding our providing the XXXX number at the origination of the wire it was not included on the wire form. Bank Branch said it was not necessary. As a result the wire just sat at Regions intermediary bank in XXXX for days with no one taking any action. We were not informed of anything unless we made strong efforts at contacting the bank to demand an explanation We were told over and over again " we sent it and it was received '' Which turned out to be completely false. They would never provide us with any written proof that it had been sent and received only the wire order authorization form was provided. Bank staff was rude, incompetent and uncaring throughout this ordeal about this botched wire. Never admitting guilt or apologizing for the situation they put us in. This wire was to pay our rent in XXXX and we were faced with eviction because this incompetent bank could nor or would not tell us where our money was and what happened to it. Conflicting stories from the branch and customer service and the wire room refused to even talk directly with us. Instead the customer service representative would talk to us and then put us on hold to talk to them and then back to us. Ridiculous. Five written requests to talk to a supervisor were ignored. We are still yet to talk to a supervisor. My banker XXXX XXXX has never returned a phone call or email sent to him regarding this matter. His manager contacted us only once by email with information totally contradicted by Customer Service namely that the wire had been returned when customer service said it was sent with the missing XXXX number now added. XXXX days to get a wire to XXXX XXXX Inexcusable under any circumstance. And its still not there. I have written a letter to the president of the bank XXXX XXXX XXXX without any response I have filed complaints with the FDIC, XXXX XXXX XXXX and the XXXX XXXX XXXX XXXXXXXX, and now the CFPB This bank could care less if our issue is resolved and we are closing all our accounts there and would advise anyone considering using this " Bank '' for business to seek another bank that cares for its customers and actually can complete an international wire. This bank does not train its personnel properly to know to include an XXXX number on an international wire form. This bank does not allow a customer to speak directly with the wire room, This Bank does not return phone calls or emails. This banks branch personnel are rude and uncaring and generally don't know what they are doing. This bank deposits money into the wrong account. This banks fraud department stops card transactions despite being called in advance to clear the transaction. This bank keeps you waiting in the lobby for long periods of time before helping you and then they dont help at all.. Save yourself the trouble bank elsewhere. This banks inability to complete a simple wire transfer ahs cost us time and money and has hurt our reputation. Our next call will be to our attorney to see if we can get a recovery
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70809
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-27
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Everytime I call to customer service to unlock my card or do anything the representative says " with the information provided we can not locate any account '' and they just ask me the account number. I told them exactly the same account number as appears on my online banking. I want to have this issue fixed because is really disgusting to fight with the useless customer service call center. My full name is XXXX XXXX XXXX XXXX, Birthday XX/XX/XXXX Acount was oppened in XXXX on XX/XX/XXXX telephone number XXXX XXXX XXXX email XXXX Or I need to know if any of that is wrong or different, but I cant understand why they gave that stupid and unusefull answer Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11207
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: We sired money to an account that turned out to be part of a Ponzi/Investment Fraud scheme. None the banks said that the account was suspicious especially the destination bank, XXXX XXXX. XXXX XXXX is the one hosting the fraud account and has refused ALL help/cooperation. We sent XXXX on XX/XX/2021. The fraudulent company is called XXXX XXXX XXXX. Their account number at XXXX XXXX is XXXX. The company 's address is listed at XXXX XXXX XXXX XXXX XXXX, VA. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37205
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Dispute this item because if it inaccuracies on my credit report. And reported incorrectly. But was verified it correct.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A