Consumer complaint received 2021-06-18
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
BE ADVISED REGIONS BANK you have been sent the following Notices in relation to your attempts to collect alleged debts NOT owed to you ; Debt Validation Notice, Freedom Of Information Notice, Cease and Desist and Billing Error Notice. You are attempting to collect alleged debts from me ( a Federally protected consumer and not a customer ) without any authorization or authority to do so. You were previously sent a Notice of Opt out to prevent the sharing of my nonpublic personal information to Non-interested third parties and you have chosen to deliberately ignore this notarized notice and ignore demands made that you are required to follow pursuant to Federal Law and The Gramm-Leach Bliley act 15 USC 6802. You are exhibiting Unfair Debt Collection practices in your attempts to collect this alleged debt violating 15 USC 1692 and are not maintaining business practices consistent with the Truth In Lending Act 15 USC 1601 nor the Fair Credit Billing Act 15 USC 1666. You are Required by law to adhere to these regulations and maintain business practices consistent with these laws also including your requirements to have business practices consistent with Generally Accepted Accounting Principles pursuant to 12 USC 1831n. Your hostile actions lead to violation of the law and your oaths to maintain these practices in your business dealings. I am demanding all of the information be sent as required pursuant to the aforementioned laws and those clearly and conspicuously shown in the attached Notices. As a consumer I have a right to privacy and you MUST respect that right, I have a right to demand how my personal, private and confidential nonpublic personal information is used and restrict its use as I see fit. ANY act going against my direction or consent in relation to ANY Nonpublic Personal information is a VIOLATION of my rights. You have chosen to remain willfully noncompliant with federal law and conducted unlawful practices in not only using and sharing my private, personal and confidential nonpublic personal information but also with regulated debt collection practices that you are REQUIRED to follow pursuant to Federal Law 15 USC 1692. As congress has stated You are a debt collector pursuant to 15 USC 1692a ( 6 ) and your adherence to this Federal Law is NOT optional. In my attached Notices I have demanded several original documents ( NOT COPIES ), if your claims hold any merit you will have no problem providing this documentation. This demand is NOT a request and is NOT optional you are REQUIRED pursuant to the Freedom of information Act 5 USC 552 to provide ALL the information that was demanded the EXACT way it was demanded. Copies can be deceptively furnished and will therefore be rejected and any submission not in compliance with these demands will create exhibits that prove that I do not owe you any alleged debts. As the original creditor and consumer involved in this alleged debt I am demanding you comply with the demands in these attached notices, I will not hesitate to pursue further litigation to enforce the protection of my consumer rights if need be. Without this demanded documentary evidence that I owe any alleged debt your practices are inconsistent with 15 USC 1692 and you will be held FULLY accountable your your WILLFUL NONCOMPLIANCE with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation