Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: RENASANT CORPORATION
State: GA

Complaint narrative:
I have had this account since XXXX  when it was XXXX XXXX XXXX Then it became the first bank and then Renasant bank. 

I had to file a regulation E electronic transaction dispute. For XXXX transactions that I never received services for the product. 

I had a problem in XXXX when I tried for XXXX months to renew my XXXX service. I would make the payment, and then I never received any services we owed for XXXX months. I was busy working and when this happened I had tried to contact XXXX several towns they refused to do the issue and then what happened is I had to quickly get another carrier.. I filed this dispute with RENESANT BANK the second week of XXXX XXXXI didn't have my card stolen or anything like that, it was simply the merchant did not provide goods or services and infles the dispute under regulation E. So I was contacted back a few times from various customers service Representatives in fact XXXX times, and I had to explain everything that happened XXXX times. I wa told I would receive a provisional credit for both months that I did not receive service which would have been XXXX times {$78.00}. The disputes caused my account to account to go in the negative for only the first time ever. When this account was with XXXX I had such a great record that they gave me {$500.00} overdraft protection. 
So I had been notified that my debit card had been closed even though I had not reported it lost or stolen they said it has because of the dispute transactions. that the card was closed. So the bank was going to reissue another card I signed all the paperwork that was necessary and the bank made an error and accidentally wiped the record of the second card request. So hen they initiated issuing a third card. But listed the second failed sent carda a lost and stolen. When it was bank error. Then once I got my card, I contacted the bank and tried to activate it. The balance in my account was now {$27.00} because I received XXXX provisional credit and I deposited {$45.00} from XXXX th night beforehand. Now when I called the activation line card number was not recognized XXXX called the bank. And they told me because my account had gone negative which was the only time ever in mine years, they put a restriction on the account and that they were going to contact the branch office and leadership to get it unrestricted. They were going to reissue a fourth debit card. So I had waited days after days for anything as several representatives told me they'd get back with me. Today I received a message from team lead XXXX XXXX stating that the branch leadership had made the decision to close my account. And they gave me no reason. At all. XXXX called the Rensasant customer service line and spoke with XXXX who told me that the account was closed based on a branch leadership section without any reason. At all. I messaged XXXX XXXX today and then he calls me back. XXXX XXXX also told me there was no reason listed for my account to being closed I received a notice that was dropped in my mobile banking app. It told me that the account was closed based on a leadership decision without any reason and that they could do it, and that I was given notice before account closure. I was not. I was told the account was closed with notice. Closing it the same day as notifying of closure isn't proper notice.

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