Date Received: 2022-06-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: FRCA violations : Failing to Follow Debt Dispute Procedures Unreasonable and innaccurate reporting to the credit bureaus. Furnishing and Reporting Inaccurate Information Creditors must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : reporting a debt as charged-off when you settled it or paid it in full, misstating the balance due, reporting late payments, listing me as a debtor on an account when I were only the authorized user, or supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). 15 U.S. Code 1679c - Disclosures ( a ) Disclosure required Any credit repair organization shall provide any consumer with the following written statement before any contract or agreement between the consumer and the credit repair organization is executed : Consumer Credit File Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years. You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud. You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations. You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it. Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur. You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau. If the credit bureaus reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you. The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact : The XXXX XXXX XXXX Federal Trade Commission Washington, D.C. XXXX. ( b ) Separate statement requirement The written statement required under this section shall be provided as a document which is separate from any written contract or other agreement between the credit repair organization and the consumer or any other written material provided to the consumer. ( c ) Retention of compliance records ( 1 ) In general The credit repair organization shall maintain a copy of the statement signed by the consumer acknowledging receipt of the statement. ( 2 ) Maintenance for 2 years The copy of any consumers statement shall be maintained in the organizations files for 2 years after the date on which the statement is signed by the consumer. ( Pub. L. 90321, title IV, 405, as added Pub. L. 104208, div. A, title II, 2451, Sept. 30, 1996, 110 Stat. 3009457. )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: From XXXX XXXX XXXX I have maintained an average balance in my Regions checking account of $ XXXX {$7000.00}. In XXXX and XXXX of 2022 I was the victim of multiple home burglaries ( in addition to identity and auto theft. ) Beginning in XX/XX/2022 following the first robbery, I noticed a series of suspicious transactions and ATM withdrawals on my account. I immediately went to the bank to report the fraud, but the bank told me nothing could be done because I did not have my ID and my ID had been stolen during the robbery. I went to the police station directly thereafter and they said they had to come to my residence to " dust for prints. '' I had locked my debit card during this time on online banking. The identity of the person who committed the robbery was shortly uncovered without police involvement ; he was a prior acquaintance of someone I knew. This said person was able to find the individual and recover my ID. However, this was on a Friday and the bank was closed. The banker at the Regions location I had gone to gave me the number of the fraud department, but when I tried to call they said they could only be reached during normal banking hours. Because I had locked my debit card I thought my money was secure. But when I logged in again later that weekend just to be sure, I discovered my card had been somehow unlocked and a significant amount of funds had gone missing. I changed the login details to my account and locked my card again, but the bank was closed and there was no one at Regions available to call. I needed access to my money, so I had to occasionally log in and unlock the card, but it seemed as though the fraud continued. I went to the bank as soon as possible to get a new card with my ID recovered, but even after that measure was taken my account was eventually drained of over {$5000.00} ( all the money to my name. ) I had made fraud reports with the initial card linked to the account and more fraud reports after getting the new card. I believe the card was cloned and the person who cloned it either cloned the second one after one of the following robberies, and/or had access to my online credentials. The fraudulent charges stayed the same with both cards. They included repeated ATM withdrawals usually $ XXXX ( sometimes multiple in a row ). Most of the other charges were to a specific bar/pool hall I have never been to, XXXX XXXX, XXXX XXXX XXXX XXXX, and multiple convenience stores and gas stations. Multiple police reports have been filed for the crimes committed against me by this individual, including the fraud and money theft. As of XX/XX/2022, Regions Bank has failed to restore any money from these fraudulent charges back into my account. I am missing over {$5000.00} that was stolen from me and Regions has done nothing to resolve the situation. I received a letter from Regions in XXXX stating that they can not recognize the charges as fraud because I filed a claim " too long after the charges were made. '' This is absolutely not true because I went to the bank immediately the next day and had to watch {$2000.00} get drained over a weekend where the bank was closed and no one was available to call. Regions Bank owes me thousands of dollars. The transactions can be proved as fraud because the individual should be visible on camera at most of the locations where the fraud took place.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33401
Submitted Via: Web
Date Sent: 2022-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-13
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX Opened XXXX XXXX, XXXX Balance {$440.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} REGIONS BANK XXXXXXXX Opened XXXX XXXX, XXXX Balance {$0.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2022 I received a collection notice for {$91.00} from XXXX XXXX XXXX on behalf of Regions Bank. I called Regions because I had visited the XXXX, Arkansas Regions Branch and closed this account on XX/XX/2022 in good standing. I had a balance of {$48.00} which they cashed out. I have received several communications from Regions since this day offering me loans and solicitations to become a return customer, but what I have not received was a letter stating that they paid a debit to a reoccurring yearly subscription on the closed account three days after I closed the account and received the {$48.00}. The first person I spoke to today informed me that Regions had paid a {$19.00} draft to XXXX XXXX from the closed account and charged me {$36.00} overdraft fee. He could not explain the second {$36.00} over draft fee that they charged to me. He contacted his supervisor via email about the situation. The supervisor via email informed him that Regions paid the draft because it was pending when I closed the account. I question why I was not told about a pending draft when I closed the account. If it were pending and they would have informed me of this I would have come back a week later and closed the account after the draft had cleared. When I continued with further questions he could not answer, he offered to connect me directly to his supervisor, I agreed that this was a good idea. What he actually did was transfer me back to the original answering system and I was connected to another operator that refused help me at all. She informed me this was a collections account and I would need to call the collection agency. I informed her that I was speaking to another operator that was supposed to connect me with the supervisor for more understanding. This young lady was extremely rude and told me the only person I would be speaking to was the collection agency. At this point, I was frustrated and agreed to be sent to the voice mail of the collections supervisor to leave a message. My first concern is if there was a pending charge why would the bank allow me to close the account in good standing? Then pay a draft on a closed account and charge me an overdraft fee. I had this account for over 20 years without issues. They closed my local hometown branch and I was forced to seek services closer than their nearest branch which is about 20 miles away. Amazingly enough I receive all their solicitations offering loans and other services and have even received phone calls from Regions representatives soliciting my business, but they can't reach out to me about a debt I supposedly owe on a closed account? The first operator said that he has a copy of the letter they sent to me stating that I owed them the money and overdraft, but I have never received such letter. Another concern is they can give me no explanation for the second {$36.00} charge. My biggest concern is that I have an excellent credit history with a XXXX score of XXXX and have never had an overdraft in my life. I feel like Regions Bank is holding my credit score hostage over {$91.00}. I am an Arkansas XXXX XXXX XXXX XXXX XXXX, I don't make much money, but I pay my bills and have a credit score to prove it. I feel like Regions is running a scam and are fraudulent in their business practices. As XXXX XXXX XXXX XXXX I also worry about those less informed that maybe falling victim to this scheme. I would appreciate any and all help that your office can offer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 723XX
Submitted Via: Web
Date Sent: 2022-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-11
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/XXXX, I went to a Regions Bank location and requested that my joint account be closed with my son. I am currently the legal guardian of my son and presented paperwork that shows I have legal authority to handle his legal and financial matters. The bank confirmed the account was at XXXX balance and that the account was closed. They took the debit card associated with the account and cut it up. Two days after closing the account, a recurring charge was presented to the account and created a negative balance. I chatted with Regions Bank and informed them that the account had been closed and that any charges presented to the account should have been declined. They informed me that despite the account being closed, when a charge is presented, the account will reopen and go through. I specifically asked them what the point is then of closing an account if future charges can go through and reopen the account. They told me they could not assist me in reclosing the account until it was back at {$0.00}. I made a XXXX payment to the account and brought it {$0.00}. They provided me a confirmation number that the account would be closed. The next day, I had an alert that there was a {$36.00} overdraft fee for the account being negative, despite my closing the account at a XXXX balance. Regions Bank stated they are not able to reverse the overdraft fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30040
Submitted Via: Web
Date Sent: 2022-06-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-10
Issue: Problem when making payments
Subissue:
Consumer Complaint: I made an overpayment in the amount of XXXX through my XXXX XXXX XXXXXXXX bill pay on XX/XX/XXXX. I contacted XXXX on XX/XX/XXXX. and informed them of my mistake along with a request for a refund. I was told to send them a fax with my bank statement and once it cleared they would send me a refund, which I did everything requested on XX/XX/XXXX. I have called each week since that time and they will lie and tell me its on the way. It will be deposited tomorrow. We don't do ACH deposits, we can only cut you a check. Well we'll deposit it the next day. I was disheartened with the lack of honesty and the fact they will tell a customer anything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38018
Submitted Via: Web
Date Sent: 2022-06-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-09
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: In order to earn the {$300.00} bonus, I opened a new personal life XXXX XXXX XXXXXXXX in Regions Bank in XX/XX/2021. I carefully met all the requirements set up by Regions Bank. For some reason, I have not received the bonus, yet. I called Regions Bank and was told that I only fulfilled XXXX XXXX requirements and failed to meet the XXXX XXXX My question to Regions Bank is : How should I miss the XXXX XXXX when I opened the XXXX checking account especially when I wanted to earn the bonus? The fact is Regions Bank lied and tried not to give the bonus to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30134
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-09
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: A {$740.00} refund was sent to my Regions bank business account on XX/XX/2022 from XXXX business. The owner of XXXX, XXXX, has documented the cash out of her account and should be refunded to me. Our communication is attached showing she agreed to refund, money is out of her account and the routing number confirming the refund was sent to Regions bank. Regions bank claims that they have DENIED the {$740.00}, It is not in my account and they have not credited it back. Regions has been denied to credit it back. XXXX has not got the {$740.00} back either. Where is the money?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: I have not received my XXXX title from Regions Bank. XXXX Paid of XXXX XXXX XXXX XXXX Called Regions XXXX number- was told title was released XXXX. If I did not receive by XXXX to call back. XXXX Called XXXX Regions XXXX number- was told it didnt show a mailed date. If not received by XXXX to call back. XXXX Received a copy of loan agreement. XXXX Called Regions XXXX number- was told title was sent. XXXX Went to Regions office in XXXX XXXX spoke with XXXX XXXX XXXX She release the lien, the computer did not show it released. XXXX told me I would have the title the next week. XXXX Received the release of lien in the mail with a letter stating I can go get a duplicate title. XXXX Called XXXX. She said the title would be mailed shortly after the release of lien. XXXX Called XXXX. She said she would check on title. I told her to get it and I would come by Regions and pick it up. XXXX Left message for XXXX to call me. XXXX Left message for XXXX to call me. XXXX Talked with XXXX. She is checking to see why Regions says the title was released XXXX yet she released it on XXXX. I told her I didnt want to have to pay for a title when I never got the first one. She said she would speak with her branch manager. Each time I spoke with someone from Regions they verified my address.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 717XX
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Regions Bank, XXXX XXXX XXXX, XXXX XXXX XXXX Bank Officials XXXX XXXX and XXXX XXXX XXXX Customer Service I have received two notices concerning my mortgage payments, they are delinquint and am being charged fees. Since I started payments on the mortgage XX/XX/XXXX I have always made my payments sometime a little before to a little after the date, this last month I have been falsely accused of missing a payment. My loan details can be confirmed that I have made payments, they have been posted, and no issues until now. I have sent copies to the bank in Mississippi requesting the fees be dropped and any negative comments on my credt if any to be removed. I have paid the late FEE of {$250.00} as of XXXX XX/XX/XXXX just to avoid additional issues. I make my paymenys electronically and always have since my account has been active. This unfair and unjust action against me has caused severe emotional XXXX, lack of sleep and constant worry. Please help. Respectfully XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33611
Submitted Via: Web
Date Sent: 2022-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A