Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION
State: NC

Complaint narrative:
Thu, XX/XX/XXXX, XXXX ( 13 days ago ) to XXXX Account We have given you numerous opportunities to correct the mistakes you made on all 3 credit reports. You have continued to be dishonest with us stating that you have sent a report to XXXX and XXXX you even stated that XXXX spoke directly to a representative with both agencies, which was untrue as well. We have already reported you to the BBB and we will be reporting you to the FTC today. As we have shared with you this isn't just my personal life you are affecting you have affected my company as well. By your negligence in reporting and doing nothing about it to fix the problem. 

We have spoken with XXXX and XXXX every day since XX/XX/XXXX which is when we first made the phone call to XXXX in regards to the inaccurate reporting on both of our accounts. XXXX with XXXX stated that he spoke with upper management in regards to this and stated he had approval to proceed with getting our credit corrected with all XXXX agency immediately instead of waiting until the following month which is when you normally report which is around the XXXX of each month. 

On XX/XX/XXXX we contacted XXXX XXXX to inform them as to what is happening and needed this corrected. Since they were the ones that set up all this with XXXX. XXXX responded to me letting us know that she spoke with someone at XXXX and that XXXX confirmed that you would be adjusting the way the loan is reporting and asked if I had heard from anyone. XXXX called to let us know that the form was sent, we again asked for copy of what was sent and he refused. XXXX stated that if I wanted to be sure it was corrected I needed to file a dispute and that would rush things along. I stated I had already disputed when I received the notification from our credit bureau as to what you had done. I also told XXXX that if he did what he stated he did then me filing dispute would be irrelevant but that I had went ahead and filed. I contacted XXXX and spoke with a XXXX XXXX XXXX XXXX XXXX he stated that he seen where I had filed dispute and he also stated that nothing was received from XXXX to make corrections. I contacted XXXX again and this time that stated XXXX was not available all they could do was send him a message to call back. 

On XX/XX/XXXX we called to follow up of course they would not transfer me to XXXX. XXXX called back later that day he stated it was sent to give it few days. We asked XXXX for a copy of the form again that was sent to credit bureau, he stated it was against their policy and that their legal team would not allow that. I asked to speak with his supervisor or someone higher up. XXXX responded no one was available. XXXX stated he could have someone call me back. That never happen. 

On XX/XX/XXXX, I contact XXXX and XXXX again. Both agencies stated nothing from XXXX has been submitted. Also informed me that they still had not responded to the dispute I made on the XXXX. I contacted XXXX on XX/XX/XXXX to update them as they asked that I continue to keep them notified. XXXX reached out again on the XXXX and responded to me on XX/XX/XXXX letting me know that she has spoken with the XXXX team and that someone would be getting in touch with me. 

On XX/XX/XXXX a phone call from XXXX again. XXXX was not upper management nor did he commit to what he had promised and we made it clear we wanted someone above him. XXXX responded with the same script as he had in previous phone calls. XXXX stated that I needed to dispute with the agency and that would speed up the process. I stated that we were awaiting a phone call from someone above him he stated that he was the one told to call. I stressed we would like to speak with your supervisor as your word means nothing. I explained that I called again today XX/XX/XXXX spoke with a XXXX of XXXX and they stated still nothing from XXXX and that there still was no response in regards to my dispute either. He stated we needed to give it few more days. If you had did what you promised and followed through we would not be having this conversation and I want to speak with your XXXX. He stated noone available he would have someone call back. 

On XX/XX/XXXX, XXXX with XXXX reached out first thing stating that she had reached out again to XXXX and that someone over XXXX would be calling me shortly. As of XXXX noone had called, I reached back out to XXXX XXXX she reached out to XXXX XXXX and responded to me letting me know that someone would call me back today. On XX/XX/XXXX we heard from a lady name XXXX, at first she was not much interested in what we had to say, was not taking any accountability either. After a long conversation and I shared everything with her she stated to allow her the opportunity to get with a lady name XXXX. I told her if I can call the credit bureau and speak with live person you should be able to as well. She stated that is what she was going to talk to XXXX about. XXXX read off to us what was sent to credit bureaus and that she was going to look more into it. XXXX called back later that evening, stated that XXXX had spoken with XXXX and XXXX still has not spoke to XXXX. She also informed us that a form was sent to the agenices on XX/XX/XXXX. We asked her for documentation of what was sent to the credit bureaus she stated she is also working on that just waiting on approval to provide for us. XXXX stated that we will receive and email that evening or first thing in the morning. She stated she was going to do everything she could to get this corrected, we stressed to her as well the affect it is having on our business for what they have done and she stated she understood the urgency and she would get it taken care of. 

On XX/XX/XXXX, nothing from XXXX with XXXX in regards to the letter she promised. Reached out to XXXX XXXX again XXXX reached out to XXXX. At XXXX received email and a phone call from XXXX. This was not what we had requested nor will the agencies accept this. I will say XXXX was very kind to work with and seemed eager to help us as well. However her hands are tied. This is now 4 people that is involved in this and still no resolution. We want this resolved. We are now being told all will be corrected by XX/XX/XXXX. How is that even possible when nothing has even been sent to the agencies and you will not even respond to the dispute to get it corrected. We are not going away. All we are asking is for you to right the wrong. Fix the error you made NOW and lets move on.

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