Date Received: 2023-12-26
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2023, I initiated a XXXX payment to a person/business under the name of XXXX XXXX XXXX email : XXXX through Regions Bank for a purchase of {$77.00} XXXX XXXX stopped all communication after receiving the money. I reached out to Regions to report the fraud. As I awaited Regions decision, I searched XXXX and found that the person ( s ) [ XXXX XXXX aka XXXX XXXX aka XXXX XXXXl aka XXXX XXXX aka XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX XXXX XXXX XXXX XXXX has been busy for at least XXXX years scamming people. I shared the above with Regions and the representative encouraged me to file a complaint and submit for a refund. They denied the refund request stating I authorized the payment. I did authorize the payment under the understanding that the person/company was legitimate. My niece did business with the person in the past with no issues so I was clueless to this scam. I saw an article recently where there are new requirements for banks to return the monies persons who were scammed through XXXX and like programs. Please assist.
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: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: We recieved a statement from a credit card company on XX/XX/2023 that had a {$680.00} LATE FEE on it. Was informed from someone overseas that the payment was recieved 3 days prior to the due date. Therefore no late fee should of been applied to the account. They informed me, after getting disconnect twice that we needed to pay this and they would credit our account next month. Each time I called back I requested to speak to a manager, finally did speak to him, which he informed me we would need to pay the total amount on the statement, once again this person was overseas. I told him I wanted a new statement without the LATE FEE on it. After he stated that again, I requested to speak to someone here in the United States, which he did transfer me to a lady who said she was in the United States, after explaining once again what happen, she informed me I would have to speak to someone else about this. Therefore she would transfer me. She transfered me to an automated system. I pressed the number for customer service, which took me to a payment line for a CREDIT card. There was no way to get back to the main menu. After hanging up, I called the service number on the statement was returned to the overseas service center. The guy that answered the phone said he couldn't transfer me back to the United States. After 1 1/2 Hours on the phone I'm very upset with this company and have gotten no where!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 685XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Per the FCRA, I XXXX XXXX as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 to report my information to a third party, effective immediately and indefinitely. Please update account to PAID AS AGREED. I understand that the debt has been charged off/certificate of indebtedness and can not be reported to my credit report. I am requesting compensation {$1000.00} for every violation. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states ( Permissible purposes of consumer reports, you can not report transaction history ). " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX etc. are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of that customer nonpublic personal information. '' Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of the reporting services listed above as well as your company. Privacy Act of 1974 the Privacy Act of 1974, a law that protects the privacy of individuals by regulating the collection, maintenance, use, and disclosure of their records by Federal agencies. 15 U.S. Code 1681n - Civil liability for willful noncompliance for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 313.1 Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15. 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 388XX
Submitted Via: Web
Date Sent: 2023-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Trouble during payment process
Subissue: Paying off the loan
Consumer Complaint: I am writing to express my deep concern and frustration regarding a matter that requires urgent attention. On XX/XX/XXXX, a certified mail letter containing certified funds amounting to {$270000.00} was dispatched to Regions Mortgage with USPS tracking number XXXX. Regrettably, it has come to my attention that the institution is refusing to accept the payment. In adherence to the principles outlined in 18 U.S. Code 1951 - Interference with Commerce, a copy of the relevant code has been provided to highlight the seriousness of the situation. It is imperative to note that refusal to accept a certified payment may constitute a violation of federal law. I kindly request that Regions Mortgage rectify this matter promptly to ensure compliance with the law and uphold the principles of fair and lawful business practices. The following information was also provided to ensure Regions Mortgage complies : MEMORANDUM Fiduciary Collector : ***** This Note MUST be Processed/Deposited as a Negotiable Instrument ***** This Note is a Secured Transferable Negotiable Instrument meeting all requirements of U.C.C. - Article 3, as a Money Order. This Note, credit agreements, bills of exchange, and checks are defined as legal tender, or money, by the statutes such as 12 USC 1813 ( 1 ) ( 1 ), UCC 1-201 ( 24 ), 3-104, 8-102 ( 9 ), 9-102 ( 9 ), ( 11 ), ( 12 ) b, ( 49 ), ( 64 ). Post the uncollected funds into the asset column of this account and charge the offer and acceptance for settlement ; prepaid and exempt when entered in the post-closing Balance. This statement constitutes Maker 's order to pay this instrument upon presentment and endorsement, As an operation of law, Payee tacitly consents and agrees that there is accord and satisfaction by use of this instrument to satisfy Payee 's claim and Maker is hereby discharged from liability on this alleged account and the obligation is suspended by law as codified at UCC 3-310 { b ), 3-311 3-603, and Public Policy at House Joint Resolution 192 of XX/XX/XXXX. Maker does not waive timeliness. However, if Payee needs additional time, Payee must present Maker with a written request for additional time within a reasonable time, setting forth the reason Payee requests an extension of time, with good cause shown. The acceptability of any such request received by Maker from Payee is conditional upon approval by Maker. 3-311. ACCORD AND SATISFACTION BY USE OF INSTRUMENT. Should there be any questions, please have your/your Bank 's attorneys handle this matter as they are legally competent to handle a negotiable instrument and understand their workings. Ignorance of the Law is no excuse to mid-process This Note. If Your Local Branch does not know how to process this Instrument, I would contact a National VP of your Bank and have them get their Legal team to instruct your local branch on processing this instrument. In the event, that this instrument is not presented for payment within a reasonable period, and there has been no request for an extension of time with good cause shown, Payee tacitly consents and agrees that Maker has satisfied/discharged the debt claim re this alleged account. Payee tacitly consents and agrees that Payee must prevent this debt claim/monetary obligation from damaging Maker in any way and that Payee confesses judgment and Maker reserves the right to initiate a counterclaim against Payee and file a claim against the bond any responsible party, including Payee and all principals, agents, and assignee of Payee, whose acts/omissions result in tort damages against Maker. Should This Note be dishonored and/or not be honored, this letter is further presentment and serves as a NOTICE OF DISHONOR by U.C.C. - Article 3, 3-503 : NOTICE OF DISHONOR! Interference with Commerce Notice - 18 U.S. Code 1951 For questions regarding this draft, contact the maker by written correspondence : As an operation of law, Payee tacitly consents and agrees that there is accord and satisfaction by use of this instrument to satisfy Payee 's claim and Maker is hereby discharged from liability on this alleged account and the obligation is suspended by law as codified at UCC 3-310 { b ), 3-311 3-603, and Public Policy at House Joint Resolution 192 of XX/XX/XXXX In the event, that this instrument is not presented for payment within a reasonable period, and there has been no request for an extension of time with good cause shown, Payee tacitly consents and agrees that Maker has satisfied/ discharged the debt claim re this alleged account. XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77407
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Trouble using the card
Subissue: Problem with direct deposit
Consumer Complaint: On XX/XX/23 I submitted my direct deposit information to Comdata to direct my wages to my XXXX checking account. As of today XX/XX/23 all my wages continue to go to my payroll card. Incurring fees and incontinence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 803XX
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I am writing to report concerning practices by EnerBank USA, encountered during a home improvement loan application process initiated on XX/XX/2023, in partnership with XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. The application was initially marred by a website error at XXXX XXXX and XXXX, leading to an incorrect default selection about property ownership. Despite this, I diligently completed the application and complied with EnerBanks subsequent request for additional documentation to verify ownership of my property. In response to their verification process, I submitted multiple documents, including a warranty deed and a notarized letter from my closing attorney, both affirming my property ownership. EnerBank rejected these as insufficient and requested my complete closing disclosure. Concerned about privacy and potential identity fraud a past issue for me I provided a redacted version of the disclosure, excluding non-essential financial details such as loan amounts and interest rates. EnerBank, however, did not accept this and demanded the unredacted document. Additionally, EnerBanks suggestion of using my property deed as collateral for a mere fencing loan was both alarming and disproportionate. This approach is not only impractical but raises questions about EnerBanks understanding of appropriate collateral for such loans. These experiences the rejection of legitimate documentation, insistence on extensive financial information, and inappropriate collateral demands highlight potential issues in EnerBanks application processes, customer privacy considerations, and data security. I am seeking the CFPBs review and intervention in this matter to address these concerns with EnerBank. Their practices in this instance seem to deviate from reasonable standards of customer privacy, data security, and loan collateral requirements. I appreciate your attention to this matter and look forward to a solution that ensures the protection of consumer rights and the adherence to fair lending practices. Thank you for your consideration and assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30907
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act, this creditor has violated my right to privacy. Section 602 of 15 USC 1681 states that I have the right to privacy, and section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instruction. Additionally, under 15 USC 1666b, a creditor can not treat payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20906
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Wednesday, XX/XX/, I made a {$300.00} dollar withdrawal from my account. I asked for XXXX and XXXX. A machine counted the money to the teller, and the teller placed the money in an envelope and gave it to me. When I got home, I discovered that I was short XXXXXXXX XXXX bill. Instead of receiving XXXX XXXX dollar bills, I received only XXXX XXXX dollar bills. I emailed the Branch Manager the next day regarding the transaction. He did not respond. I filed an internal complaint with Regions Bank ( Complaint # XXXX ). He finally replied. I was not satisfied with his response. My account has not been credited with the missing {$10.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38119
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I never opened a account with Regions Bank. I need the account closed because of Identity Theft. Request a freeze and Fraud alerts on my credit reports on XX/XX/2023
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: I am writing to report a distressing incident involving a romance scam that I fell victim to, perpetrated by an individual named XXXX XXXX XXXX. The details of the situation are as follows : I initially encountered XXXX XXXX on XXXX in XXXX XXXX XXXX and over the course of XXXX months, she systematically manipulated me into providing her with over {$10000.00} under false pretenses. Her requests started with a seemingly innocuous {$600.00} in the first week and escalated to substantial amounts each subsequent week. XXXX XXXX exploited fabricated health issues, including a purported XXXX and lupus diagnosis, to elicit financial assistance. Additionally, she used her children 's health as emotional leverage in her attempts to deceive me. Despite promises of repayment, she failed to return any borrowed funds, including a specific loan of {$780.00} in XXXX. In XXXX, I traveled from XXXX to XXXX with the intention of proposing to XXXX XXXX, spending {$500.00} on an engagement ring and {$720.00} on congratulatory gifts. Despite her initial agreement to marry me, she later disappeared, having obtained sensitive information such as my social security number and address. After I purchased an engagement ring, gifts, and various items, spending a significant amount of money under the false assumption that our relationship was genuine. XXXX XXXX XXXX continued to exploit my generosity, having me cover her car note, rent, and provide gifts. A total of {$940.00} in collectable shoes. {$1800.00} in rent {$600.00} in car note and XXXX in borrowed money. Along with multiple trips back and forth to and from XXXX. Despite her engagement to me in XXXX, XXXX XXXX XXXX failed to fulfill any promises of marriage and eventually cut off communication after obtaining sensitive information such as my social security number and address. XXXX XXXX obtained my personal information, including my social security number and address, for what turned out to be fraudulent purposes. Furthermore, she received funds from my business account, contributing to the extent of the financial losses incurred. I have diligently reached out to XXXX XXXX for repayment and the return of the engagement ring, but she has consistently evaded these requests. Her actions have caused significant financial hardship and emotional distress. She's now calling my phone and laughing and making jokes that it's funny she used me and I was in a romance scam with a XXXX XXXX XXXX woman at the age of XXXX. On XX/XX/XXXX, I received contact from XXXX XXXX ' mother, who confirmed her daughter 's deceitful actions and expressed awareness of the scam. This revelation underscores the deliberate and premeditated nature of XXXX XXXX ' activities. I kindly request the assistance in investigating this matter and taking appropriate action against XXXX XXXX XXXX to prevent further harm to others. Enclosed with this letter are supporting documents, including transaction records and communication logs. Thank you for your attention to this matter, and I trust that the consumer finance team will work diligently to address and rectify this situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32205
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A