Regions Credit Card Complaint

Regions Credit card department,

Other fee Georgia

Here are the key facts : I opened a credit card ( Regions Bank DBA - ) in college at - University ( - - - ). Date account was opened -/-/-. I paid as agreed until the card expired I left college, got married, changed to my married name, and pursued joint credit products to support new our new lifestyle The original account went dormant ( address was still maiden name and student address at - Univ. ) Regions Bank ( DBA - ) applied an account service charge in -, but consumer was not made aware. Regions Bank should have known that account was dormant because no subsequent card was activated since late -/-/-. Regions Bank reported card past due 180 days. Customer discovered mistake in - - during mortgage refinance attempt ; fees skyrocketed when applied jointly. Customer notified Regions Bank - account was closed ; customer service representative pledged to correct credit history. Customer had to remove name from mortgage application to get fees back down ( fortunately husband 's credit score is - - based on all jointly held accounts since - ). I was not able to get a mortgage loan to refinance my


of us. He has an - credit score, and mine has been marred by this erroneous information that the lender ( Regions Financial ) refuses to correct. Customer reviewed credit in - ( - ), and discovered adverse data had not been corrected. Regions must have applied the service charge in - - because my account went 30 days past due in - -. Customer contacted Regions Bank - customer service representative said nothing could be done. '' Customer sent letter to Regions in - -. The bottom line is that I feel like I have been a victim of an institutionalized credit system. I have paid all bills presented to me. And I have paid all debts incurred by me. I am very upset that my credit history has been so negatively affected by a creditor who applied service charges on a card that I did not receive ; that I did not activate ; and that I did not use for personal benefit. I feel like the credit system has failed me and my family. Thank you so much for your help. I read the - - article titled The agency that 's got your back. '' And it gave me hope that my voice might be heard. ''