Consumer complaint received 2026-07-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a formal complaint against Regions Financial Corp { EnterBank USA ] for violating the FTC Holder in Due Course Rule 16 C.F.R 433.2. This XXXX loan was arranged directly by the seller XXXX XXXX XXXX XXXX XXXX XXXX The purchase was duel marketing agreement the seller executed a contract promising to pay for the system. The exact words in the contract state " This is a contracted services agreement between XXXX XXXX XXXX, and XXXX XXXX or XXXX XXXX XXXX, hereafter referred to as '' XXXX. '' This document will outline the responsibilities and obligations of the XXXX XXXX XXXX XXXX XXXX, hereafter referred to as, " XXXX XXXX. '' XXXX XXXX XXXX will use its bank funding relationships to provide security service for the term of XXXX months to ( address ) XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX will provide the necessary parts, equipment, labor and cover all but ( {$89.00} plustax ) of all alarm monitoring service costs for the period of XXXX months to " XXXX '' at the above address. All required maintenance will be covered by XXXX XXXX under this agreement ( minus a $ XXXX trip charge per service ) for a period of XXXX months. See Standard Warranties below for additional information beyond this initial period. In return, the " XXXX '' agrees to post a minimum of XXXX monthly posts on their XXXX account in a general post to all neighborhoods linked to their own. Posts XXXX be made on XXXX, XXXX XXXX, XXXX, XXXX XXXX or XXXX in addition to XXXX This post may simply include notable features about their XXXX cameras or alarm system or highlight the experiences they have in working with XXXX XXXX staff. XXXX XXXX will pay monthly for posting services in the amount of $ XXXX as long as an email is received at ( XXXX ) within XXXX days of the end of each month, showing what was posted by " XXXX '' for the term of XXXX months. '' " The balance of the XXXX agreement will be covered in full XXXX months from the date of signing this agreement as long as the posting schedule is followed as outlined above, if any balance exists at that time. This will happen regardless of the financing terms provided by the financial institution 's lending terms, described in note below. NOTE : The lending agreement may describe a term of XXXX years in the disclosure letter. That term description does not affect or override the obligation herein that XXXX XXXX covers the balance at the completion of the 5 year period, so long as the " XXXX '' has fulfilled the obligations in accordance with posting requirements outlined above. " ; I have this contract- signed on XXXX the seller completely breached the contract, stopped making payments and filed for XXXX XXXX bankruptcy. leaving me with a XXXX balance at a XXXX interest rate. When I called Regions to complain about this and ask them to investigate they said I got the cameras and they work. I asked them to investigate the whole loan process along with the social media contract. They sent me a link to make payments. Prior to this XXXX was logging in using their passwords and changing passwords every XXXX months. I was unable to log into the bank account when I was told that ageint was filing chapter XXXX XXXX gave me the password. Under the FTC holder rule Regions bank is legally subject to all claims and defenses I have against the seller because because XXXX committed fraud and breached the contract. Regions bank can not legally force this debt. I demand that Regions Bank immediately cease collection efforts, cancel the remaining balance and clear the account from my credit history

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