Date Received: 2022-02-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I requested an investigation and the removal of the charge-off status in this account REGION/XXXX XXXX. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. This account falls under a charge off account yet there is a balance indicated on the report. Also, there is no payment history that proves my late charges on this account and there is no balance indicated on the other bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33033
Submitted Via: Web
Date Sent: 2022-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: UNAUTHORIZED INQUIRIES ON MY XXXX CREDIT REPORT : XXXXXXXX XXXX XXXX - XX/XX/XXXX Could Not Contact XXXXXXXX XXXX - XX/XX/XXXX Could Not Contact XXXX XXXX XXXXXXXX - XX/XX/XXXX Could Not Contact Regions Band - XX/XX/XXXX Could Not Contact I have an open complaint case ( # XXXX ) with XXXX Credit Bureau as of XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77354
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposit some checks into my bank account on XX/XX/XXXX I have a bank with regions account they put a hold on my account and told me they will hold the checks until XX/XX/XXXX and XX/XX/XXXX the checks has been released and they still havent taken the hold off my account or release my funds Im about to get put out the person who checks those was my girlfriend and her bank also called and confirm them checks was real and has been cleared for her account she bank with XXXX XXXX XXXX XXXX I have reached out them so many times cant get this issue fixed I also went inside a branch multiple times I still didnt get it fixed I just want my money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36582
Submitted Via: Web
Date Sent: 2022-02-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My name is XXXX XXXX XXXX and I would like to complain about my banks handling of an ATM incident. On XX/XX/22 around XXXX, I attempted to withdraw {$500.00} from the Regions ATM located at the XXXX XXXX XXXX on my statement as Student XXXX XXXX XXXX LA XXXX XXXX. The machine went dark and I did not get my money. When I checked my account via my app, I noticed that they had deducted the {$500.00}, however. The last XXXX digits of the card I used was XXXX. I then filed a claim with my bank and was told it would be XXXX business days for them to complete an investigation. After XXXX days passed, I called again and was told XXXX days for processing. After XXXX days, I was told it would be up to XXXX business days to process, and on the XXXX day, they sent me a letter declining to reimburse me for my loss without mentioning why. I did manage to snap a photo of the blank ATM at the time and I have included this in my complaint as well as a screen grab of the location and time stamp on it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Getting the loan
Subissue:
Consumer Complaint: Recently, I, XXXX XXXX, was denied an extension of credit by EnerBankUSA. On XX/XX/2021, I applied for a home improvement loan. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). EnerBankUSA has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Used " Been Verified '' offer 1 day {$1.00}, paid for it & done. Then a charge of {$31.00} left me a balance of {$1.00}, which I didn't authorize or use services. Filed a dispute onXX/XX/2021 Was told by CSR XXXX days for answers. I updated numerous times same run around with no avail. Now we are XXXX days from 90 days & I know no more than I did XX/XX/2021
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17331
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened an account with Regions Bank after receiving a personalized offer in the mail. The offer stated I'd get a {$400.00} bonus for opening a new account if certain terms were met within the first thirty days. Here are the terms presented to me on the flyer I received in the mail : -Register at regions/com/offer using your personal code -Open your new personal XX/XX/XXXX checking account by XX/XX/XXXX, and enroll in Online Banking within 30 days of account opening -Use your Regions Visa CheckCard to make 10 or more purchases that post to your account within 30 days of account opening. Almost any CheckCard purchase counts, including bill payments, online chopping and subscription services, as long as you use the XXXX number -Your {$400.00} bonus will XX/XX/XXXX deposited directly to your new checking account with 90 days of completing the above requirements I opened my account online on XX/XX/XXXX right about XXXX XXXX and funded the account at that time. I didn't receive the card for my account until XX/XX/XXXX and it was postmarked XX/XX/XXXX. I've attached an image of the XXXX mail ( which I get daily ) showing the card being delivered on XX/XX/XXXX from their address, XXXX XXXX XXXX XXXX, AL XXXX. Even getting the funds at the time of opening my account to Regions took XXXX days. The very next day, I started using the card. Between the first day I used the card, XX/XX/XXXX, and XX/XX/XXXX, I used the card eleven times. Within that window, the last two purchases were made on XX/XX/XXXX ( Thursday ) and XX/XX/XXXX ( Friday ). The charges are attributed to XX/XX/XXXX, when Regions say they " cleared ''. This week, I've reached out to the bank via a branch, and two different calls. Each time, I was told I wasn't going to get the bonus because I didn't make the purchases within the first thirty days ( not true, based on Regions own account info ), and that the first day I opened my account ( XX/XX/XXXX ) was counted as one of the days counting against me. I repeatedly said that thirty days means twenty-four hours, thirty time. I didn't have a relationship with Regions bank for most of XX/XX/XXXX. To say that counts as a full day it pretty ridiculous. I know the charged amount " cleared '' early in the morning, earlier than the time I actually opened my account on XX/XX/XXXX. So not only were the purchases certainly completed before thirty days within opening my account, they " cleared '' before the thirty days ( 24 hours ), I opened the account. Regions Bank made me an offer and it making up the definition of a day
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78748
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I have used Comdata to provide lumpers for my drivers. I used transactions to see charges. I found out when trying to reconcile my account, Comdata added a fuel program and tire program that I never agreed to. I have my own fuel and repair accounts with XXXX and XXXX account. They charged XXXX and XXXX a month. They agreed to remove one charge. I was also charged {$150.00} for late fees totalling {$4000.00} for the year of 2021. I am saddened and embarassed by their abuse and my hindsight. I had a {$3000.00} credit line that I paid with my bank bank account, this does not show a due date. They said you had to pay every 5 days. I was never aware of this. I asked for all monies to be returned. They said they would research it. I asked for a supervisor. I was told a XXXX would call me, no call, I called again and I was told it was escalated, ( no call in over a week. ) I have 10 fleet managers per comdata and have spoken with XXXX, XXXX, XXXX and XXXX. I closed my account, so not to incur any additional fees. I am unable to get back in and review any charges and or credits and have asked for someone to contact me. This has not happened. After being on hold for 20 minutes, customer service, XXXX said send an email. Here is my email. I will be awaiting your response. You are welcome to call me at XXXX x XXXX, XXXX XXXX to XXXX XXXX or call my cell XXXX. Comdata received this email today XXXX plus all the other calls that happened throughout this month. . XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I was overdrawn in my Regions Bank account only {$6.00} and when I woke up I was overdrawn {$78.00} due to an overdraft charge of {$72.00}. Previously I have been overdrawn and was only charged {$36.00}. My complaint is that the fees change and dont make sense, I spoke with someone at the bank the last time and was told that an overdraft is applied to each transaction but the amounts still did not add up. I have also been charged {$100.00} in overdraft fees when I was overdrawn {$60.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30143
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I got this card for donating plasma. The schedule of fees says there is a charge for using this at an ATM, even in network, and a charge for using a pin to get cash back. The only way to get cash without paying a fee is a bank teller withdrawal. I was told my card is not allowed to be used at a bank teller, and therefore the only way to get cash off the card will cost me money. That doesnt seem right. Due to the amount I have to claim this in my taxes, but I cant even get the cash from it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75019
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A