Debt collection -- Attempts to collect debt not owed -- Complaint #4472967
Complaint Overview
Complaint ID: 4472967
Company: Regions Financial Corporation
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Florida
ZIP Code: 32817
Date Received: 2021-06-18T12:00:00-05:00
Date Sent to Company: 2021-06-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
BE ADVISED REGIONS BANK you have been sent the following Notices in relation to your attempts to collect alleged debts NOT owed to you ; Debt Validation Notice, Freedom Of Information Notice, Cease and Desist and Billing Error Notice. You are attempting to collect alleged debts from me ( a Federally protected consumer and not a customer ) without any authorization or authority to do so. You were previously sent a Notice of Opt out to prevent the sharing of my nonpublic personal information to Non-interested third parties and you have chosen to deliberately ignore this notarized notice and ignore demands made that you are required to follow pursuant to Federal Law and The Gramm-Leach Bliley act 15 USC 6802. You are exhibiting Unfair Debt Collection practices in your attempts to collect this alleged debt violating 15 USC 1692 and are not maintaining business practices consistent with the Truth In Lending Act 15 USC 1601 nor the Fair Credit Billing Act 15 USC 1666. You are Required by law to adhere to these regulations and maintain business practices consistent with these laws also including your requirements to have business practices consistent with Generally Accepted Accounting Principles pursuant to 12 USC 1831n. Your hostile actions lead to violation of the law and your oaths to maintain these practices in your business dealings. I am demanding all of the information be sent as required pursuant to the aforementioned laws and those clearly and conspicuously shown in the attached Notices. As a consumer I have a right to privacy and you MUST respect that right, I have a right to demand how my personal, private and confidential nonpublic personal information is used and restrict its use as I see fit. ANY act going against my direction or consent in relation to ANY Nonpublic Personal information is a VIOLATION of my rights. You have chosen to remain willfully noncompliant with federal law and conducted unlawful practices in not only using and sharing my private, personal and confidential nonpublic personal information but also with regulated debt collection practices that you are REQUIRED to follow pursuant to Federal Law 15 USC 1692. As congress has stated You are a debt collector pursuant to 15 USC 1692a ( 6 ) and your adherence to this Federal Law is NOT optional. In my attached Notices I have demanded several original documents ( NOT COPIES ), if your claims hold any merit you will have no problem providing this documentation. This demand is NOT a request and is NOT optional you are REQUIRED pursuant to the Freedom of information Act 5 USC 552 to provide ALL the information that was demanded the EXACT way it was demanded. Copies can be deceptively furnished and will therefore be rejected and any submission not in compliance with these demands will create exhibits that prove that I do not owe you any alleged debts. As the original creditor and consumer involved in this alleged debt I am demanding you comply with the demands in these attached notices, I will not hesitate to pursue further litigation to enforce the protection of my consumer rights if need be. Without this demanded documentary evidence that I owe any alleged debt your practices are inconsistent with 15 USC 1692 and you will be held FULLY accountable your your WILLFUL NONCOMPLIANCE with federal law.
Frequently Asked Questions
What is Complaint #4472967 about?
Complaint #4472967 was filed against Regions Financial Corporation regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2021-06-18T12:00:00-05:00.
How did Regions Financial Corporation respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Regions Financial Corporation?
Yes, visit the Regions Financial Corporation company profile at readthecomplaint.com/company/regions-financial-corporation to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.