Consumer complaint received 2026-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: RENASANT CORPORATION
State: MS

Complaint narrative:
CFPB Complaint Draft : Deceptive Auto-Renewal, Hidden Charges, and Predatory Billing Practices by XXXX Company Name : XXXX Product/Service : Digital Subscription / Educational App Amount in Dispute : {$190.00} Description of What Happened : I am filing a formal complaint against XXXX for engaging in deceptive auto-renewal practices, unauthorized charging, and withholding transactional receipts in violation of standard merchant processing transparency. On XX/XX/year>, I discovered two separate, unauthorized charges of {$99.00} each ( totaling {$190.00} ) from XXXX. Prior to these charges, XXXX completely failed to provide any advance notification of an upcoming subscription renewal. Furthermore, upon successfully charging my card, the company intentionally withheld any payment confirmation emails or receipts, leaving me completely in the dark about the transactions. I immediately contacted XXXX Support on XX/XX/year>, at XXXX XXXX, within 24 hours of the charges, demanding a cancellation and full refund due to the lack of transparency and notification. I received an automated ticket confirmation. To ensure no further unauthorized billing could occur, I requested my account be deleted. On XX/XX/year>, I received an automated email confirming my account deletion, which shockingly stated that deleting my account " will not cancel your existing subscription '' a clear use of " dark patterns '' designed to trap consumers in a billing loop. Because XXXX refused to process a refund, I initiated a chargeback with my bank. On XX/XX/year>, a XXXX representative named " XXXX '' emailed me, stating the company would fight the bank dispute by hiding behind their Terms of Service, which supposedly prohibit refunds on renewals. The most egregious violation occurred on XX/XX/year>. Despite my account being completely deleted on XX/XX/XXXX, and despite an active, known dispute with my bank, XXXX utilized their XXXX billing system to send me an automated email demanding that I update the expiration date for my XXXX ending in XXXX. Summary of Deceptive Practices ( Dark Patterns ) : Failure to Notify : No pre-billing notice for high-value annual renewals. Withholding Receipts : Intentionally suppressing payment confirmation emails after capturing funds to prevent consumers from noticing the charge. Selective Automation : While they " failed '' to send a receipt for a {$190.00} capture, their automated systems work perfectly when demanding updated credit card information on a deleted account. Cancellation Traps : Designing their platform so that full account deletion does not terminate the financial subscription, forcing consumers to navigate a separate, obscure cancellation maze. Unfair Terms : Enforcing a strict " no refund '' policy on renewals that consumers were never warned about, while denying relief even when contacted within 24 hours of the charge.

Company response to consumer: Closed with explanation