Vehicle loan or lease -- Improper use of your report -- Complaint #5958976
Complaint Overview
Complaint ID: 5958976
Company: Regions Financial Corporation
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Florida
ZIP Code: 33611
Date Received: 2022-09-07T12:00:00-05:00
Date Sent to Company: 2022-09-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I called my bank, Regions Bank, on XX/XX/2022 to inquire about an Auto loan with the representative there. The banker answered some general questions regarding current rates, used car mileage and year requirements etc. That was the extent of the interaction. I never applied for a loan with Regions bank because that weekend I ended up purchasing a car and financing through the dealer. A couple weeks later I received correspondence by mail that I had been denied for an auto loan. I checked my credit report and found that Regions bank had initiated a hard inquiry on my credit with no approval or application submitted by me. I called the bank to inquire about this and they have refused to provide a copy of the supposed loan application that was submitted because it was their banker that submitted information without my consent.
Frequently Asked Questions
What is Complaint #5958976 about?
Complaint #5958976 was filed against Regions Financial Corporation regarding Vehicle loan or lease specifically about Improper use of your report. It was received by the CFPB on 2022-09-07T12:00:00-05:00.
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 (Vehicle loan or lease) 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.