Date Received: 2021-12-30
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: the company that charge the debt off was supposed to send 1099c in the mail for purpose of tax return
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90028
Submitted Via: Web
Date Sent: 2021-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: my credit was ran by auto dealership on XX/XX/XXXX without my consent. consent was provided on XX/XX/XXXX to run that day but no verbal consent nor written consent was provided on 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: 33610
Submitted Via: Web
Date Sent: 2022-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-30
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: regions XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I have never given this company written consent or permission to access my consumer profile. i would lke them to remove immediatly requested my consumer report without my written consent/permission..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2021-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX, I opened a Regions LifeGreen Checking account in-branch after receiving a {$400.00} offer in the mail. The offer required completing certain activities to receive the bonus, including XXXX debit card transactions and enrolling in online statements, which I did. According to Regions, they tried depositing the {$400.00} bonus on XX/XX/XXXX and the account was considered to be in a " soft-close '' status because it had a {$0.00} balance (? ) so the {$400.00} bonus payment wasn't completed, even though I have a recurring deposit every two weeks. I called in about not receiving the offer and confirmed I had completed all other activities except for the account being at a {$0.00} balance at the time they tried depositing the payment, but at no time was I informed that to be considered " in good standing '' the account had to be positive at all times. Regions was unwilling to bend on this " condition '' of theirs which at no time had been relayed as part of the offer, nor had I received any notification about this new " condition '' throughout the 90-day offer period. I am asking the CFPB to please step in and have Regions honor the marketing incentive, as it seems disingenuous that their internal " soft-close '' status is what rejected the new account offer, and it was never mentioned that that was a 100 % requirement to actually RECEIVE the bonus after having completed all other prerequisite activities.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33026
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Signed up for account on XX/XX/XXXX with new account bonus of {$200.00} within 90 days after meeting requirements of {$500.00} direct deposit and 10 debit card transactions in 60 days. Debit card was never sent and had to request one in XXXX?! I met these requirements as evidenced by XXXX and XXXX statements ending on XX/XX/XXXX. I followed up with customer service 90 days after meeting requirements and was informed I only had 5 debit card transactions?! Their response : 'I am filing your complaint. I will be back with a confirmation number. I can confirm that you will not receive the bonus. I apologize for your experience. ' What a shady company and business practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62521
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On or about XX/XX/XXXX I was told my account was on hold because a suspicious check was deposited into my account. On XX/XX/XXXX I spoke with XXXX XXXX and was told there was an active investigation for deposit fraud. The bank requested that I file a police report and complete the regions ID theft kit, and I completed these in good order. I was informed by XXXX XXXX that the investigation was completed, and I was cleared of any deposit fraud. When I went to give XXXX XXXX the paperwork, I was informed my account was closed, and my social security number was flagged so tat I could never open a new account with regions. There were also unexplained fees from the bank that left my account overdrawn. I feel that I have been taken advantage of by regions banks as this is the first bank account I have opened on my own, and on XX/XX/XXXX XXXX XXXX emailed me to inform me that him and his XXXX are in agreement that I did not remotely deposit the check and that my identity as well as my online banking were compromised. I should not have to pay for something I didnt do. The bank did confirm in our call today they do not charge other bank customers any fees when they have fraud on their account. Please note that I have filed a complaint on this matter with the XXXX attorney general XXXX XXXX office,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34135
Submitted Via: Web
Date Sent: 2021-12-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I gave filled a dispute in regards to incorrect items on my credit report. it has been well over 30 days and I haven't received any investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70809
Submitted Via: Web
Date Sent: 2021-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2021 I signed contract with a scam loan company that call them self XXXX XXXX XXXX to get a loan and I need to send {$3000.00} for down payment on XX/XX/XXXX they asked me to send another {$4000.00} for insurance and then they asked to send more so I told them I would stop the loan because I realized that's it's a scam but they don't want to send back the money and they blocked me all ways to reach them out so I got to my bank should reask the wires I do from the other bank but they didn't want to that I show them prove thats its a scam but nothing and I told them you are partners of the crime because they are stealing money from people but nothing ..... By the way they asked me to send the money on different business name that called XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10901
Submitted Via: Web
Date Sent: 2021-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My bank has forced flood insurance for 3 years in the amount of over {$5000.00}. I was incarcerated at the time. I have gone through FIMA and have gotten off the flood map. They have put this on the back of my mtg.. I'm a XXXX veteran and can not get a loan through the VA or any other bank as they are holding me XXXX for this money. The fees are extremely excessive. They don't answer their phones. I can't even get a record of the fines and penalties broken down. This is Regions Bank. They lost a {$50.00} XXXX dollar settlement in 2016 for doing the same thing. Please help me with this as I'm at my wits end. Thank you in advance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32940
Submitted Via: Web
Date Sent: 2021-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-16
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was attempting to buy tickets for a concert in XXXX on Tuesday, XX/XX/XXXX, XXXX XXXX were playing. I was trying to buy tickets off XXXX the day of the concert, which I've done in the past. Someone agreed with me to sell the tickets at a reasonable price, two for {$240.00}. The seller wanted to do the transaction via XXXX, I never used XXXX but presumed it was safe because it was linked with my bank. I attempted to transfer the funds to the Seller at the email address XXXX, but the transferred failed to go through due to an error with the Seller 's XXXX account. I usually would have been alarmed by this but the seller was incredibly pleasant and immediately suggested we use his wife 's account at XXXX and he gave her name as XXXX XXXX. The fact the account was already set up and he provided a full name that was associated with the XXXX account reassured me to send the money. I sent the money and texted the seller if his wife had received it, he said they could not tell. I noticed that the XXXX transaction stated it was received so I asked again and the seller told me to simply hold on because he was out work. I got very frustrated after ten minutes and proceeded to repeatedly call the Seller, but the Seller did not pick up. It appears the number is still in operation, I tried calling it from an unknown number today but no response. The seller 's number is XXXX I called my bank, Regions, the next day after it happened to see if I could get the transaction blocked. The Regions representative was nice and sympathetic, he told me that they should be able to block it and that it would take 3-5 business days. I made this call on Wednesday, XX/XX/XXXX. I received a peculiar notice ( attached below ) that the regions disclosure statement and agreement for electronic banking services had been amended on XX/XX/XXXX. Interestingly enough, the amendments were primarily to the section regarding XXXX and other payment services. Section 7 covering refused and returned transfers was amended, the section now states that Regions will use reasonable efforts to block prohibited transfers and return funds. I'm curious as to what the section said before. Nonetheless, I called Regions on Wednesday, XX/XX/XXXX because it had been 5 business days and they informed that my funds could not be returned because XXXX does not have a fraud prevention policy when the transfer was authorized by the user. I felt betrayed due to my belief that the transfer was through my online banking portal it would be safe and that Regions would prevent or reverse any fraudulent transaction. I was sketched out about the curiously timed amendments and by the fact that Regions did not contact me when they knew my funds could not be returned.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60611
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A