Consumer complaint received 2018-11-15
Company: REGIONS FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I worked at Regions Bank from XXXX until XX/XX/XXXX. I will keep this about the alleged credit card that Regions is reporting as past due account due to charge off. My name is XXXX XXXX XXXX, credit card was a Regions personal credit card ending in XXXX. One of the Reasons I left Regions was there investigation into my personal LLC XXXX of the reasons why I quit the bank. Back to this case however, I closed all of my Regions accounts ( except my mortgage, and retirement IRAs with Regions ). This specific credit card was closed by XXXX XXXX who is the Assistant manager in the XXXX IL branch. Regions claims that I mad some small charges for a direct pay I had on the credit card. I cant remember which company tried to pull money but Region ( most likely the software used ) reopened my account paid it and then left the account open. My email address was set up as XXXX and apparently my statements kept going to the XXXX branch after I left the company. Regions claims they sent these to my home address which is a false claim. I did receive ( will attach ) a letter to my house for official notification of charge off that they state in the letter will affect negatively my future credit and my ability to apply for credit in the future. ( Well they were right about this one ). This sole act by Regions has sank my credit score over 100 points. They apologize for my inconvenience but state they wouldnt remove. All I wanted was a civil end to this credit card but the Legal Department stated ( will attach ) that I am basically liable and they will not remove. Ok well that was an easy answer for them and they brought this claim on themselves by not help a current priority customer and ex employee. The letter I recieved on or account XX/XX/XXXX was form XXXX XXXX ( Senior Vice President ). Regions Bank. Being that I worked there I emailed him directly and he referred me to the legal department in which I tried to settle this matter with. I guess it was just to hard for them to remove so they stated AGAIN that it was my fault. 1st off I had an XXXX fico score. Why in the world would I not pay that amount. I paid the balance in full in the amount of {$310.00} in cash at the XXXX IL branch. A tell applied the payment. I dont feel like I owed this amount but I couldnt afford a charge off. XXXX XXXX is the person who contacted me from the legal department at Regions. Regions claims to have sent me 4 statements showing me past due to my residence ( they did not SEND ). There XXXX computer is wrong on this and was wrong! To reopen my credit card account with out my knowledge. Those charges should have been refused not accepted by Regions. Regions I feel has really gone above and beyond to hurt my credit, my business credit and my standing at the bank. I almost feel this is retaliation from two former bosses of mine XXXX XXXX, XXXX XXXX, the XXXX XXXX. I can go into detail why these individuals are not long in XXXX XXXX managaement but I want to just have this REMOVED and by Removed I mean elimated that I ever was a holder of this card. At minimum I need my credit reported correctly by Regions to the 3 credit reporting agencies ( XXXX XXXX, XXXX, XXXX   ). This could have an easy solution but it seems like Regions doesnt want to take this simple solution. I will not quit this fight ever until Regions removes this off of my credit report. I have also contact my personal attorney in XXXX XXXX IL. He suggested I ask first and then if no answers we would fight this in court. I however would just like it removed. Its not the hard Regions I worked there.

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 non-monetary relief