Consumer complaint received 2026-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Product : Credit Card Issue : Improper investigation of a billing error under the Fair Credit Billing Act ( FCBA ) XXXX XXXX Claim Number : XXXX Disputed Total Amount : {$2900.00} Description of Events : I am filing a formal complaint against Regions Bank for failing to protect my consumer rights under the Fair Credit Billing Act ( FCBA ) regarding an unresolved credit card dispute ( Claim Number : XXXX ). Regions Bank closed my case in favor of the merchant without conducting a thorough investigation into merchant non-performance, and failed to provide me with a written explanation detailing the exact reasons for their denial. On XX/XX/year>, my credit card was charged a total of {$2900.00} by the merchant XXXX. The merchant split this amount across XXXX separate invoices : Invoice XXXX for {$2700.00} and XXXX XXXX for {$190.00}. I am asserting my right to a permanent chargeback under the FCBA for " Services Not Received / Services Not As Described '' based on the following undeniable evidence : XXXX. BREACH OF CONTRACT AND REFUSAL OF SERVICE : Invoice XXXX explicitly lists a " Core Accounting Package '' valued at {$2700.00}. The contract line items state in writing : " Annual Business Income Tax Return Included Through Your Partner Subscription : Business and personal annual income tax filings. '' While the merchant completed my personal tax return, they flatly refused to handle my business taxes. On XX/XX/year>, I messaged the merchant in their portal for sales tax help. On XX/XX/year>, a XXXX advisor ( XXXX XXXX XXXX explicitly refused to assist me, writing : " You should be able to pull that up on the state website for your sales taxes. '' When I protested that I paid for professional help because I have no tax knowledge, they ignored my request and closed the conversation thread on XX/XX/year>. No business tax returns were ever prepared or filed. XXXX 's billing department is attempting to mislead investigators by claiming I canceled my services through XXXX. This is false. While I did cancel a separate customer account with XXXX to avoid predatory upsell fees, I never requested a cancellation of my standalone contract with XXXX. I paid XXXX directly on my credit card statement. XXXX remained fully hired and fully paid to handle my business tax preparation. They can not legally use a third-party cancellation as an excuse to pocket my {$2900.00} while explicitly refusing to perform the promised accounting work. XXXX. UNAUTHORIZED HIDDEN FEES : Furthermore, the merchant added an entirely unauthorized hidden fee to my invoice. Invoice XXXX shows a charge of {$190.00} for a " Loan Agreement : Advisory and preparation of one loan agreement. '' This service was never mentioned, discussed, or requested by me. No loan documents were ever drafted, and no loan advisory services were ever received. This is a completely unauthorized and fraudulent billing error slipped onto my bill without my knowledge or consent. Regions Bank failed to cross-examine the merchant 's contract line items or review the explicit written refusal of service that I provided. I request that the CFPB compel Regions Bank to immediately re-open this billing error case, reverse the total charge of {$2900.00}, and issue a permanent credit to my account.

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