Consumer complaint received 2025-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: REGIONS FINANCIAL CORPORATION
State: IN

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, at approximately XXXX XXXX, the XXXX Police Department responded to a report of identity theft and fraud at XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Upon arrival, officers located XXXX adult male, XXXX XXXX XXXX, suffering a crisis and visibly distressed. 

The victims identity is being withheld pending family notification. 

Preliminary information indicates that a possible theft of identity documents occurred around this time, with numerous accounts being opened without the victims authorization. There were also reports of disputed transactions and possible theft of debit cards, credit cards, Social Security numbers, and identification. 

The XXXX Police Department and CFPB are investigating the matter. 

XXXX XXXX XXXX has filed a complaint for the issuance of or release of XXXX forms and for the release or demand of refunds or funds that were used without his presence or consent. The XXXX forms are governed under IRS Code Section 6045 and are related to the reporting of proceeds from the sale of securities or other property. Additionally, the Internal Revenue Code ( IRC ) Title 26, U.S. Code ( USC ) Title 26 ( particularly Sections 6045 and 6651 regarding failure to file ), and Indiana Code Sections IC 6-8.1-5-1 and IC 24-5-0.5 ( regarding consumer protection ) apply. Violations of these laws may result in severe penalties for improper use or failure to provide accurate forms.

Under these federal and state laws, including the Fair Credit Reporting Act ( FCRA ), Indiana Consumer Protection Laws, and Identity Theft Protection Act, XXXX XXXX XXXX demands immediate restitution, corrections of fraudulent transactions, and a full investigation into all companies and entities involved. 

This is to notify all companies and entities involved in this matter, under the oath of all applicable laws, that they must take action immediately. This is a formal request that every entity comply with these laws, and failure to do so XXXX result in litigation, legal action, and judgment being pursued for damages. 

Please send any restitution checks or remediation errors to either the State of Indiana Attorney General XXXX XXXX XXXX XXXX or send to XXXX XXXX XXXX at his designated address on file with the XXXX Police Division. Any other emails or communications under fraudulent or identity theft are to be disregarded, as XXXX is the only valid and verified communication for XXXX XXXX XXXX. 

This matter is being enforced by the XXXX Police Department with possible SWAT and legal force to ensure compliance and proper action under the law, as XXXX XXXX XXXX case of identity theft and fraud has been ongoing since XXXX. It is utterly unacceptable, and immediate action must be taken. 

Additionally, please be informed that XXXX XXXX XXXX has been under care for mental health issues at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, located in XXXX XXXXXXXX XXXX. For verification, contact XXXX XXXX at XXXX or visit their website for XXXX XXXX XXXX at XXXX XXXX XXXX XXXX. The mailing address for any request for mental health documents is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, IN XXXX XXXX XXXX has been receiving treatment and has been seen by his therapist XXXX XXXX and Nurse Practitioner XXXX XXXX, with an appointment scheduled for XX/XX/XXXX. For confirmation of the mental health diagnosis, please contact XXXX XXXX and confirm his condition as discussed. 

In addition, XXXX Illinois XXXX and EMT Teams have cared for XXXX XXXX throughout his journey to recover his funds and credit. They have witnessed the significant stress and mental health challenges he has faced as a result of this prolonged situation. They have expressed that XXXX XXXX XXXX worked very hard to protect his identity, and he has been deeply affected by the identity theft and fraud he has endured. The paramedics and EMT teams, alongside his healthcare providers, wholeheartedly support his efforts in getting all of his money and credit files wiped clean and corrected. 

This situation has caused serious mental and emotional strain on XXXX XXXX XXXX, and we are sending this to all refund departments, remediation departments, and entities responsible for issuing refund checks or any form of restitution, including banks, phone companies, or other entities that XXXX have been involved in the fraudulent use of his information. 

This is serious, and you XXXX verify XXXX XXXX XXXX through his business, XXXX XXXX XXXX. XXXX XXXX XXXX is a legitimate entity, and all legal avenues are being pursued to ensure this matter is handled appropriately. Under the request of former XXXX XXXX XXXX, XXXX XXXX, and SWAT forces, this demand for restitution is to be taken with full force and attention. This matter is being escalated to the highest levels, including legal forces, the XXXX XXXX, and XXXX  for proper enforcement. 

This is not a request ; it is a command for compliance. Failure to act will result in litigation, judgment forces, and full accountability being taken under the law. These companies, agencies, and entities owe XXXX XXXX XXXX restitution for the harm, stress, and mental anguish that has been caused by the identity theft and fraud he has experienced. 

The last XXXX digits of XXXX XXXX XXXX Social Security XXXX are XXXX, and he can be contacted at XXXX for any further correspondence. 

We demand the immediate issuance of restitution checks or remediations for all losses. The courts, law enforcement, and other authorized forces stand by this request. 

XXXX XXXX XXXXXXXX XXXX XXXX

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