Date Received: 2022-03-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I do not have nor have ever had a Regions Bank credit card nor bank account. This is an error.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 757XX
Submitted Via: Web
Date Sent: 2022-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Regions had been stealing money. Not applying it to the account. Marked me>30dpd XX/XX/2019. I made aXXXX. Credit card payment. They never put it on my account. I disputed. They said don't make a payment soon as XXXX days was over I got 2 late charges. They would take my credot and add it to the charges. They owe me a lot of money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2022-03-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Hi Like many Americans I was in the forbearance program with my mortgage company. At the time I was dealing with REGIONS MORTGAGE. Previous to COVID, I had never missed a payment or even been late a single time in over 10 years. My credit was well over XXXX. This changed when forbearance ended and REGIONS set me up with a counsellor to get back current. I spoke with them and was assured of a smooth transition adding the missing amount on to the end of the loan. Satisfied with this resolution, I setup autopay as it had been setup for many years before then. But their bank failed to pull the payment. I was made aware of the issue sometime shortly after this would have needed to be processed and IMMEDIATELY rectified the situation. I made any due payments. However, even with providing proof that I was on their autopay plan AND appealing to them directly, from an attorney, and directly to credit reporting agencies, they STILL have yet to take the 'late payment ' off my credit report as promised. This has DESTROYED my credit and disabled me from refinancing my loan from the high 6.5 % rate they stuck me with. I went on tour for work after autopay was setup in XXXX and only learned of the problem in XXXX. Please help ASAP. thank you! - XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91601
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-09
Issue: Problem when making payments
Subissue:
Consumer Complaint: We purchased new HVAC system for our home the end of XXXX and received a loan to cover the new HVAC. Payments started XX/XX/XXXX and monthly amount was {$160.00}. Our account with EnerBank is billing account XXXX. We missed one payment in XX/XX/XXXX ( which we regret ) but could never go and make that payment. They added {$80.00} ( interest fee to the loan ). We also noticed they closed the account ( Credit report ) sometimes during XXXX XXXXXXXX and I know the company was purchased by Regions Bank ( I believe at that time also ). At this time, this account still shows closed under my credit account. We have noticed weird things happening to our account throughout the XXXX, this year we set all the payments to go automatically so we would not miss any payment due on XXXX each month. XXXX, XXXX, XXXX payments were made on time automatic withdrawals. This month XXXX we received an email that in XXXX ( double the amount would be deducted {$320.00} ), but we owe only {$160.00} each month. I tried to call the company in XXXX when we realized we missed one payment, their system doesn't allow for multiple payments. Their system is very consumer unfriendly. We need someone to look into them and clarify, if this was a loan, or it was a credit card. As I mentioned, things are weird and I believe there should have been more paid off by now, but isn't. Thank you for looking into this. Attached are screenshots to support my complaint. XXXX XXXX XXXX, or spouse XXXX XXXX ( XXXX ) P.S. : XXXX was calling about missed payment in XXXX but they did not want to talk to her, since this was under my name. She provided all the information, she got me on the phone to give permission to EnerBank talk to her and the customer service hang up on us in XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32092
Submitted Via: Web
Date Sent: 2022-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This company is currently reporting a hard inquiry to my credit file, I have never given the permission to do so. I have never done business with this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Several accounts are inaccurately reported on my XXXX report. The XXXX XXXX XXXX was already removed from the other credit bureaus as well as the XXXX report. It was removed on XX/XX/2021 but reappeared on my credit report in XX/XX/2021, which has led to much emotional and financial stress when trying to use my credit for personal and business reasons. I completely paid and closed the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX it inaccurately reports that I owe {XXXX now. Last week, it did not report that account or amount. I never owed a charge-off of XXXX at Regions and they never told me that I owed anything or charged-off any amount. I have ten inquiries on this report and submitted my FTC report showing I did not inquire about XXXX, XXXX XXXX, US Dpt of Education, and XXXX XXXX, XXXX XXXX. I also contacted the XXXX and Attorney General 's Office as well as contacted each company with legal documentation requesting the accounts be removed from my account for violating multiple FCRA violations. Documentation is attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
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/XXXX, I paid my Regions Bank credit card payment in the amount of {$62.00}. Last week on XX/XX/XXXX, I was notified my XXXX payment as not received and my account was delinquent over 31 days. Immediately, I contacted the proper personnel within Regions Bank in regards to this discrepancy. I provided my XXXX bank statement showing my payment for {$62.00} being made on XX/XX/XXXX. On XX/XX/XXXX, I contacted the CEO of Regions Bank and several personnel under him regarding this matter. The collections department contacted me on XX/XX/XXXX, and they have been giving me a very hard time! I have explained the situation to them and they refused to remove this discrepancy from my credit report. Today, XX/XX/XXXX, XXXX XXXX stated, the bank statements I provided her was not sufficient enough to remove the negative remark from my credit profile. She further stated, Regions bank never received my payment nor did I make payment in XXXX. This is really embarrassing!! XXXX XXXX called my last week making false allegations in regards to my account as well. I even went further to ask for her contact information ; however, she lied and stated, I do not have a direct number to contact me back at. Again, that was another lie she told because, she gave me her number last year when they lost my loan payment I made in XX/XX/XXXX. I am in the process of purchasing my first home and they is really affecting me. I am very stressed out and Regions does not care. I have had my credit card account for over 7 years and I have never missed a payment nor have I been late. I have offered to pay the account in full long as they remove the negative remark and they will not budge. This is not the first time Regions Bank has lost or misplaced my payment and reported it wrongfully to the credit bureaus!! The representative XXXX XXXX and XXXX XXXX told me not to contact the corporate office anymore regarding my complaint because they will not make them change their minds in regards to removing this negative remark from my credit profile. Can you please assist me?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37064
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My card was supposedly used at an ATM withdrawing all of my funds less than thirty minutes prior to me trying to use the card myself at another ATM. It must have been a duplicate card because my card was zipped inside of my backpack as I was on my way to a different ATM than the one that was used to withdraw the funds. I immediately called to report the fraudulent withdrawal and cancel the card on XXXX XXXX, 2022 but Comdata did not provide a case number and said I had to wait 21 days to get one. However, having disputed with a different institution I knew that didn't sound right so after calling back on the XXXX to see if there was a case number I found out they hadn't submitted the claim and had to XXXX search their online access to submit the dispute myself but their website did not generate a case number either. I informed them of Regulation E guidelines but they said that they don't provide provisional credit and that they have their own policy. I also asked for a card with a chip for added security in case the card was skimmed or something, but I had only used it twice prior as a credit transaction so it's unlikely since they said a pin was used. The withdrawal was for over {$150.00} on XXXX XXXX, 2022.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90033
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: We secured a XXXX loan through Regions bank. Upon notification from the bank that it was time to submit our reimbursement forgiveness paperwork, we properly produced and submitted a documentation required. Without receiving a single statement or document advising us as to the terms and conditions to repayment, regions began debiting large sums from our operating account without notice or any statement ( XXXX ). We repeatedly requested clarification for the withdrawals and Regions failed to provide any. We repeatedly requested clarification and statements of the account- to which Regions refused to provide or otherwise produce. We finally appeared to a branch manager 's office in XXXX XXXX XXXX to discuss the issue, where it was determined that the XXXX loan had entered a repayment process. We demanded copy of a statement of the account -- which Regions refused to provide. We demanded a reduction in the repayment terms while pending review. Regions refused. We signed documents to lower the repayment terms. Regions failed to consider it. We have now sent Regions XXXX emails and called countless times to speak with a XXXX or Regional Manager. All requests rejected. They refuse to communicate about status of loan, statement of the account, or the terms of the repayment. The company has failed to comply with our written and phone requests for a response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In the last year XXXX XXXX I deposit the two check to the regions bank, but they holding my check and lock my account, when I communicate the banker, they said the check not sure is good check or bad check, let me verify the check is clear, I dont know if they not sure the check is clear can call the that bank, but they told me bank cant communicate to the bank, so I get the statement approved the check is withdrawn is paid, but they said still not sure let me waiting, waiting one years didnt release my money just hold and lock my account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33179
Submitted Via: Web
Date Sent: 2022-03-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A