Date Received: 2022-08-26
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Account with Regions bank opened in my name on XXXXXXXX XXXX with account number ending in XXXX. My name and email address were on the email sent by regions. When I attempted to seek help at regions they did verify my social and date of birth were used to peon the account but refused to close it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35216
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: There were unauthorized transactions on my account and I reported them promptly and had my ATM card cancelled and ordered a new one. Regions bank denied me of receiving a credit back toy account for the money that was stolen. I made a police report. I tried to help as much as I could only to find out they gave me the wrong fax number. And closed my claim without returning my money which is clearly taken by fraud. I made my initial report on XX/XX/2022. They still are not trying to communicate with me at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 71301
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I started disputing information on my consumer report back in XX/XX/XXXX with all 3 of the consumer reporting agencies ( XXXX, XXXX, and XXXX ) According to The Fair Debt Collection Practices Act 15 USC 1692g I have the rights to request Validation of debt. Neither agencies responded to any of my requests just updates on my report. At the time I had little to no knowledge of consumer law. I recently mailed out letters to all the furnisher on my consumers report and disputing inaccurate and incorrect information in XXXX of XXXX. NO RESPONSE from any of them just updates to my reports. its been well over 2 months which put them in violation of consumers law. no only that they are reporting closed and charge off accounts. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Your company are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. DUTY : a moral or legal obligation ; a responsibility : ACCURATE : correct in all details ; exact : PROHIBITION : a law or regulation forbidding something : As Defined By The IRS ; you must report canceled debt as gross income on your tax return. The IRS clearly defines a CANCELED or CHARGE OFF DEBT as Income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which infact makes your reporting of this account inaccurate 15 USC 1681 s-2 Says ( XXXX XXXX ) are a furnisher of information to a consumer reporting agency. You are PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect / inaccurate information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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. You are hereby put on NOTICE that your are furnishing incorrect and inaccurate information. The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial in stitution, credit union , federal government agency, or other applicable entity. as discussed earlier in XXXX XXXX. The above paragraph is taken directly fromthe IRS XXXX Publication. SEND ME MY FORM 1099-C that you should have sent me when you filed the account as a canceled debt. My Email is below. 15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have shown you that you have infact been reporting inaccurate information. The continued reporting of this information is a clear violation of the law 15 USC 1681 s-2 of your responsibilities of a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to cure and DELETE this erroneous inaccurate account from My XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38671
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, REGIONS BANK failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. REGIONS BANK Account XXXX XXXX XXXX XXXX XXXX As a consumer by law this account must be deleted immediately. Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. REGIONS BANK Account XXXX XXXX XXXX XXXX XXXX As a consumer by law this account must be deleted immediately. Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge. On the date XX/XX/2022 XXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 362XX
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On the afternoon of Friday, XX/XX/XXXX, I tried to transfer money out of my Regions checking account. The online transfer system would not let me make a transfer. I called the online help center, and they told me there was a hold on my account. I asked why, and they said there were no notes on why there would be a hold. They told me to go into a Regions bank to resolve the issue. It was late on a Friday afternoon. I had to leave work early to go into a bank, as I did not have access to my funds. I went into the bank located at XXXX XXXX XXXX, XXXX, TN XXXX on Friday afternoon and met with XXXX XXXX XXXX XXXX. She said she normally worked at another branch but was at the Regions XXXX Branch for the day. She said that she did not know why my funds were locked. She said that the online banking team should have put in a ticket to resolve the issue, but they had not. She put in a ticket. She gave me the business card of the bank manager and told me to contact her the next week. I attempted to contact XXXX XXXX, the branch manager repeatedly on XX/XX/XXXX and XX/XX/XXXX. I left many messages. Each time I called, I wad told that she was unavailable, at lunch, or at another branch. No one else at the branch would help me. I called online banking again, and they said they did not know why I had a hold on my funds. I called the branch again, and they said that due to internet issues, their phones were not working correctly enough for anyone to help me. The whole situation feels like the bank is giving me the runaround. No one will give me a straight answer. Every bank staff member just says they have no clue why my funds were unavailable. The bank staff member who may know will not return phone calls within a reasonable time frame. In general, if I have {$900.00} in my account, I should be able to use it. I want to know why there was a hold on my account so that I can avoid the situation in the future. Additionally, Regions did not notify me in any way that there was a hold on my account. Had I not discovered the issue Friday afternoon, I would not have been able to go into a bank branch immediately, but would have been surprised at some point over the weekend not knowing the issue, and unable to pay for goods and services. If a customer has a hold on their account, they should be notified of it immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70808
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Someone opened couple accounts in my name using my information that theyve stole somehow I didnt know how they took my information but they did I believe it probably happened when Im doing online purchases and Im always using my information applying for something I XXXX my drivers license and bank card and the information is stored and thats how I believe they was able to get ahold bid my personal information and use it against me and apply for different bank account regions bank is one now Im getting calls and letters sent to me for 2 accts I have know nothing about totaling over {$1000.00} and another acct XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXXXXXX XXXX I dont know what to do about this Im at my wits end Im thinking about just filing for bankruptcy and just start all over
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33147
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I closed on a new home purchase in XX/XX/2022. The mortgage was through XXXX XXXX ( the mortgage lending arm of XXXX XXXX ). The closing occurred successfully however my mortgage was subsequently transferred to Regions Bank. Regions Bank debited my checking account for my first month 's mortgage payment due XX/XX/2022. I then assumed auto-pay was successfully set up. In XXXX Regions called my on my cell phone and indicated my mortgage payments were delinquent two months. As it turns out, Regions Bank did not correctly set-up my auto pay -- nor however did they contact me for 2 months. I received no emails, no texts and no voicemails indicating there was a problem with my payment. I then received a notice from Regions Bank that they told a credit bureau about a late payment. The payment issue was solely due to Regions Bank. I had full funds available for the expected debit of my account. Further, Regions Bank failed to contact me immediately after the payment date. I was not notified until over 2 months after the payment was due! I have never missed a mortgage payment in over 19 years of payments and always had good communication with my mortgage lender ( XXXX XXXX XXXX ) prior to this experience with Regions Bank. I find their conduct in mortgage servicing to be completely unacceptable. Why wait for 2 months before even attempting to contact me? Why not send a letter, text or email?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55379
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I sent Regions Bank an affidavit XXXX XXXX regarding an account opened without my permission. I received a response on XXXX XXXX from an XXXX XXXX from the XXXX XXXX department that the account was frozen. Until this date the accounts are reporting on my XXXX, and XXXX credit profile, ( XXXX ) ( XXXX ). In accordance with the Fair Credit reporting act, Regions Bank has violated my rights. 1 5 USC 1681 Section 602 States I have the right to privacy. 15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency reporting agency can not furnish a account without my written instructions. 15USC 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. Attached is the documentation that was sent and the response email. idtheft XXXX XXXX XXXX, XXXX, XXXX AM to me Hello, Your affidavit has been received. We have frozen the account ( s ) opened with your information. We will review the affidavit and close any accounts opened fraudulently. At the completion of our investigation, a resolution letter will be mailed to you. Please allow 30-45 days for the investigation to be completed. Thank you, XXXX XXXX XXXX XXXX XXXX Team Lead Corporate Security Regions Bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75230
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I never applied nor opened an account with Regions Bank. This is NOT an authorized account. Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and the credit bureaus continue to report this item on my reports. Please remove these fraudulent accounts from ALL credit reporting agency reports IMMEDIATELY. Attached : Proof of Fraud Reports Proof of Police Reports Self Identification
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30021
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: XX/XX/XXXX Had my Bank Regions Bank wire XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX Had purchase contract. Shipment bill. Stated would recv truck in 3 days. After no response by Wednesday called Branch to get advise and made an appointment XX/XX/XXXX and filed fraud complaint and stop to get my money back. Rep from Bank was XXXX XXXX and he told someone will contact me in 48 hrs. No call back and call back and XXXX gives me a wire # to call and they tell me I have to have a pin # call back and speaks to manager XXXX XXXX who tells me no updated info and if they got my money back it would be in my account and he said you requested the wire. I told him abt the pin and he said he used his pin and see No updates. So by this time I am so upset with this Regions Bank. Early that week I report to all Federal reserve file a police report and with the FBI.. This is a lot of money to me. Call the bank and no would talk to me leaving messages. So finally Saturday morning on the XXXX of XXXX XXXX XXXX I finally get him and prior to this call I have been trying to call the bank that recvd the wire and I asked XXXX XXXX do you freeze the account and did you notify the other bank and he told me you are suppose to do that. I said I have but I dont use this bank and you also have to have a pin. So I am furious at this point why this bank has not taken proper procedure and top priority on a fraud complaint. I continue to call the other bank that recvd the wire and it was XXXX XXXX XXXX and they finally let me talk to someone in there fraud dept which was very nice. She explained to me that my bank contacts them to advise them there was a fraud wire and and freeze the account which they still can see were money goes.. This is Still the XXXX XX/XX/XXXX now we are 2 weeks in and decided to call another branch to see if I could get some more information on my wire or anything.. So I call XXXX XXXX finally speaks to Manager her name was XXXX and I explain my situation on fraud wire and she says you need to call the branch that did the branch that did the wire. I stated I cant get them to return my calls and I dont thing they know what their doing. I said if your not going to help me then I need the person to speak higher higher up. This is XXXX this is a lot off money to me. She finally said let me call to the wire dept and see what I can find out.. XXXX comes back to me and says they have never received anything and I said no I came into the branch on XX/XX/XXXX and filed my fraud claim to stop wire it was fraud scam and she said again it wasnt stopped! But I will send XXXX XXXX XXXX an email and give instructions what he needs to done and said 2 weeks have passed.. OMG. I did file a complaint to the bank and yet to receive knowledge that even happened..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38135
Submitted Via: Web
Date Sent: 2022-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A