Date Received: 2022-01-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: For the past 18 months I've tried to resolve an inaccuracy issue that was reported to all 3 credit bureaus. I have reached out to XXXX, XXXX XXXX, and XXXX regarding this matter ( disputes were also filed online ). I made a credit card payment for XXXX dollars in XXXX of XXXX to Regions Bank. I was kicked out of the system due to the website 's nightly maintenance. The issue resulted in me receiving a derogatory remark ( 30-day late payment ). I've spoken with 2 supervisors and several customer service reps in Regions credit card department on several different occasions regarding the issue. Regions advised that letters were sent to all 3 bureaus to have the discrepancies removed. After speaking with XXXX XXXX on XX/XX/XXXX I was told to request the letter be sent directly to me, I was instructed to upload the letter in the dispute portal online. I called Regions on XX/XX/XXXX. I was told by the credit department that the system wouldn't allow them to send the letter directly to me. The representative tried to locate numbers to speak with the agencies directly. Unfortunately, he was unsuccessful. After speaking with his supervisor, he was instructed to send yet another letter ( the 4th attempt sent ) to resolve the issues. I'm not sure why the letters aren't arriving to the proper departments but, at this point the inaccurate reporting is affecting my ability to secure my mortage loan. I can't be approved by my lender with any late payments under 2 years old.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I made a principle-only payment on/around XX/XX/XXXX via the Regions XXXX website and indicated that the entire {$2700.00} of my payment was " Additional Principal. ( There is a space to enter the 'Additional Payment ' amount on the payment screen - I entered {$2700.00} and left all other fields blank ). On/around XX/XX/XXXX Regions Bank reversed this principle-only payment as a 'misapplication reversal ' and applied it to my account as my XX/XX/XXXX payment- this was done without my consent. I am enrolled in Regions automatic payment program, so when my XX/XX/XXXX ACH payment debited it was applied as my XX/XX/XXXX payment. In speaking with a call center agent ( XXXX? ) on XX/XX/XXXX, I learned that although Regions Bank was given clear instructions about how to apply my XX/XX/XXXX online payment, they apparently have an existing company process that looks at principle-only payments made towards the end of each month and automatically reserve those and apply them in a manner not directed by the customer. While I recognize the possible likelihood that this step is being taken by Regions Bank with positive intent to proactively correcting a customer potential payment entry error, they are taking this reversal action without the consent or timely notification of the customer. I ask that Regions Bank cease this practice immediately and that all future payments be applied as directed by the customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55422
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check on XX/XX/2022 and was told it would be cleared on Monday, XX/XX/2022. The check in question is being held until XX/XX/2022 and is going to cause a late payment for my mortgage. Also even after not opting in for overdraft protection, I am still having my account pay out reoccurring debts causing several overdraft fees to hit my account. My account is being overdrawn in the same manner as a previous investigation by the CFPB. 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: 32405
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On Thursday XX/XX/XXXX I received my bank statements from Regions, XXXX XXXX Mississippi. I had already told them that I have no other bank cards check cards opened in my name but one, and they have not explained to me why the cards are opened. They hung up on me twice because they were stuck and could not answer the questions that I was asking them, so I will dispute them charges tonight is XX/XX/2022 my name is XXXX XXXX. I could be reached at XXXX Thank You
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX of XXXX I called regions for forbearance due to corona. I called monthly, or due date to let them know status didn't change I was still unemployed as they requested. I was told over and over i would not have to pay total amount during hardship that payments would restart after the months of forbearance were used. On XXXX the day i came home from my brothers funeral I was called and told if I did not pay XXXX by XX/XX/XXXX foreclosure procedues would begin. I had recently cashed in my 401k and was able to pay but now have nothing and am still unemployed with no benifits.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31326
Submitted Via: Web
Date Sent: 2022-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-06
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/XXXX I received a text message from Regions about a fraudulent charge. I confirmed I did not recognize the charge and the debit card was canceled. On XX/XX/XXXX I was available To follow up on the issue and try to get a new card renewed. Due to my job I was out of the counrty. XXXX XXXX services were recommended to get a temporary emergency card issued to me. I submitted a request with XXXX and was later informed via email that the request was denied by Regions Bank and that I should follow up with them as to why. Every time I called the Regions they would refuse to follow up, or elaborate as to why. They would not discuss the request even after my identity was confirmed. Multiple times they would transfer me to XXXX, who at this stage can not help me. Going as so far to lie about putting me on hold to get a supervisor to transfer me to XXXX again. The only advice they would give me is to have someone else pick up my new card out of my mailbox and ship it with their own money. On the third follow-up call trying to resolve this issue the customer rep pretended not to hear me and transfer me to a dead-end phone number that automatically hangs up on me. Their refusal to do their jobs and constant deflection has left me stranded out of the country without access to funds
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35806
Submitted Via: Web
Date Sent: 2022-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-04
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/2021 I loaded {$300.00} onto my card. I went to the gas station and used {$40.00} for gas. I went to pick up my son and get something to eat. As I tried to purchase food my card was declined. I called the bank and they told me I would have to wait until after the holidays so they can see what was posted. Three separate transactions ranging from {$30.00}, {$150.00}, and {$200.00} were charged and overdrawn my account. All start with XXXX XXXX XXXX. The bank told me it was sporting event tickets. I dont go anywhere. I didn't make these purchases and I want my money back. I can't pay some of my bills because some XXXX decided to mess with my money. I have screenshots of said withdrawals.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62702
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-04
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My mortgage was at a price that was paid and now the hazard insurance as when up causing the mortgage to go up. From {$480.00} to {$650.00} dollars to be paid over twelve years. I want to sell the house but it needs some work done to it. I am in the process of getting a divorce. Is there something I can apply for that will give me some of the money I paid into the house. I have live there for 7 years and we have a 30 year mortgage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-03
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Ive had several issues with this regions bank in my personal and business matters i have complaint and made fraud charges and police reports and complaint with the ftc
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33308
Submitted Via: Web
Date Sent: 2022-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Regions Bank sent me an email about a promotion they were offering due to the coin shortage impacting the US. They were waiving fees for loose coin bought to the branch to sort and count it. On XX/XX/XXXX I took a bag full of loose coin for deposit. I dont know the total but estimate its about {$150.00}. I signed a form and provided my deposit slip and was told by the teller I would see a deposit with 1-2 weeks after the bag is sent to the main vault. After waiting and seeing no deposit, I contacted the branch by phone on XX/XX/XXXX. They opened an investigation. I never heard back. I visited the branch on XX/XX/XXXX and was told they do not know what happened. There were no notes on the ticket opened for the investigation. I was told to wait until Monday XXXX to follow up again. There seems to be no sense of urgency locating my money and making the deposit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 351XX
Submitted Via: Web
Date Sent: 2022-01-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A