Date Received: 2021-12-15
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of complaint against the Regions Bank XXXX XXXX XXXX XXXX XXXX XXXX AR. XXXX To whom it may concern : My name is XXXX XXXX XXXX. And I am a XXXX XXXX XXXX, and I have been having my XXXX XXXX from the XXXXXXXX direct deposited into your bank for over the past year now. And on or around XX/XX/XXXX I was informed that my account and services were being terminated. I then inquired as to why I was being terminated. First, at my local branch @ ( XXXX XXXX XXXX XXXX XXXX XXXX ) and then @ the XXXX number provided on the Regions Bank XXXX XXXX I still have not received a answer as to why my services have been terminated. I can only assume that because I complained about a mistake that the bank XXXX ( XXXX XXXX XXXX made on my account, that cost me over {$3500.00} and caused me a great deal of inconvenience. To best explain this situation, I will have to Begin on XX/XX/XXXX at or about XXXX am when I went to the ATM. At Regions Bank @ XXXX XXXX XXXX XXXX XXXX I tried to withdraw funds and was denied. I called the customer service number on my bank card and was informed that my account was on a soft close, and that I would have to go into the branch at XXXX XXXX XXXX XXXX XXXX. To straighten everything out. Later at or about XXXX I went inside the bank and I saw XXXX XXXX walking to her office, I then approached her and told her about my situation, she then took me into her office and I sat down. She then looked into my account and informed me that my account had feel to {$0.00} and she would try to reopen the account and reconnect the card. I then replied to her if it would be easier to go ahead and open a new checking account and issue me a new check card to do so. Because I wanted to make sure that I didnt have any more issues with my direct deposit, or with withdrawing money from either account ( checking or savings ). I also made sure that I asked her to make sure that the new check card was connected to both my checking and savings account. On or about the XXXX of XXXX at or around XXXX AM I went to regions bank at XXXX XXXX XXXX XXXX XXXX XXXXXXXX to make a withdrawal and to make sure that there was enough money left in my account so that I would be able to receive my direct deposit for the first of the month. I made my withdrawal, and the bank XXXX informed me that I had enough money in my account at that present time for my direct deposit to be successfully deposited into my account. I then left the drive thru window and did not return to the bank, or attempt to use my check card for any reason until XX/XX/XXXX @ or around XXXX XXXX AM On XX/XX/XXXX at or around XXXX AM I went to regions bank at XXXX XXXX XXXX to the ATM to make a withdrawal after receiving a notification that my direct deposit was available in my account, and the transaction was declined. At or around XXXX AM on XX/XX/XXXX I called the customer service number on the back of my check card, I could not talk to anyone because of the time, only automated services were available. I knew that at this point I would have to wait for the local branch here in XXXX to open ( XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) and that I would have to delay or cancel my plans to to catch a XXXX or XXXX out of town for work. At or around XXXX XXXX I called the customer service number again and was able to find out that my direct deposit had successfully been deposited, but my check card was not connected to my savings account. And that once again I would have to go into the branch at XXXX XXXX XXXX in XXXX XXXX XXXXXXXX to have the card connected. At or around XXXX AM on XX/XX/XXXX I walked into the XXXX branch and as I walked in I saw XXXX XXXX XXXX ( bank XXXX ) walking to her office so I got her attention and notified her that she was the one that had handled the opening of my new account and that my card was still not connected to both of my accounts so she directed me to her office and I sat down, she then asked me, how did I know that the card wasn't connected to both of my accounts And I told her that I tried to withdraw funds earlier that morning and could not. I communicated to XXXX XXXX that I understood that mistakes do happen, and that I also know that I made sure that I communicated to her the last time I was in front of her to make sure that my check card was connected to both of my accounts I also communicated to her that I know that I asked her to make sure that my new check card and my new checking account we're both connected to my savings account, I also informed her that me leaving out of town for work on time is dependent on me being able use my atm card to withdraw funds to travel for work and finally that I can't afford to miss work like this and that if this happens again I would have to find another place to bank and that I had never had this type of problem before at any other banking facility. XXXX XXXX then replied maybe it might be best if you do go some ware else after such a disconcerting response I was almost speechless so I looked at her and asked her to continue to fix the problem with my check card and that I needed to make an ACH. Transfer. After about XXXX minutes she told me that my check card was now connected to both checking and savings accounts and she informed me that she was unable to do the XXXX transfer I requested, a transfer that her assistant bank XXXX had done twice before in the past for me it was obvious that she wasn't interested in helping me any further with anything. I then left XXXX XXXX office and walked into the main lobby of the bank and looked for the assistant XXXX XXXX XXXX who opened up my original account over a year ago. And by this time, I was very frustrated and upset because I was mishandled by the bank XXXX. I explained to XXXX XXXX ( XXXX bank XXXX ) what had just happened to me in XXXX XXXX XXXX and that after experiencing such disconcerting and snobbish behavior, I didnt want to deal with her anymore or even have her handle any more of my banking affairs because apparently, she doesnt have enough care and concern to provide proper services for me, to ensure that I dont have major problems as I am having up to this point. XXXX XXXX then instructed me to write a letter of complaint and to send it to him and that he would make sure that it got to the right department. I agreed to do so and then XXXX XXXX executed, the Ach transfer that XXXX XXXX claimed she couldnt do for me, and verified that she ( XXXX XXXX ) had in fact connected my check card to both accounts this time. By this time it was almost XXXX noon and I knew that there was no way for me to leave out of town and make it to my destination on time so I called and canceled my work appointment and drafted a letter of complaint and sent it to the email address that the assistant XXXX XXXX XXXX had given to me ( XXXX ) I called XXXX XXXX at or around XXXX on XX/XX/XXXX to ask him if he had received the email, I had sent him, XXXX XXXX that he did receive the email but he could not open the file. So, I told him that because it was late in the day on Friday, I would not be able to give him a converted PDF copy until the following Monday ( XX/XX/XXXX ) XXXX XXXX said ok and we ended the phone conversation. Over the weekend XX/XX/XXXX and XX/XX/XXXX I was able to process everything that had happened and decided to not file a complaint because as I said earlier in this letter, I understand that people do make mistakes and I was under the impression that everything was OK now because I was able to use my card over the weekend to purchase food. I had made up in my mind to call XXXX XXXX on the morning of XX/XX/XXXX and to let him know that I would be dropping the complaint against XXXX XXXX. And that if he still couldnt open the file, I sent him to not worry about it. On Monday morning XX/XX/XXXX at or around XXXX AM I tried to conduct some business online and found out my card was declined again so I called the regions bank in XXXX and XXXX XXXX answered the phone I informed him as to who I was and he acknowledged me I let him know that my card had been declined again and XXXX XXXX said to me XXXX XXXX the only thing I can tell you is that XXXX XXXX has suspended your account, your card has been cut off and the only thing you can do, is come in physically and withdraw funds out of your account, and you will eventually have come to the branch and closed out your entire account because she has suspended your account and services. he also informed me that was all he could tell me for the time being and for any other information I would have to call XXXX XXXX at XXXX We then ended our conversation. I called XXXX XXXX and he did not answer and I left a message for him to call me back. I have called the customer service XXXX department XXXX left XXXX statements with your complaint department attendants I was told that I will be contacted by someone but up until this point, I have not heard anything from anyone explaining to me why my account was closed this is discontinued and why was I asked to withdraw my money from the bank. As I stated I am a XXXX XXXX vXXXX who served in the United States XXXX and I have been having my government XXXX XXXX direct deposited for a little over a year now and up until recently I have had no problems until XXXX XXXX XXXX XXXX XXXX my banking affairs. And as I also said earlier, I understand that mistakes do happen, but when I approached the branch XXXX about a mistake, she herself made on my personal account, and her response is that it's better for me to go somewhere else rather than to put forth a decent effort to help me, a costumer, was very disconcerting at the lest. I would like to know # XXXX. How can a bank XXXX close someone's account for complaining about poor service and demanding that he or she be more careful and mindful when making adjustments to someone's personal checking and savings accounts? # 2. I would like to know why after XXXX XXXX sat down with me and discussed my entire situation and problem with me, why would she have my card cut off and my service is discontinued without informing me first? she knew that I was potentially leaving out of town and that I would need that card to be on and working, because I told her so. No one knew at the bank, that I hand totally canceled my trip because at the time I was at the bank trying to get everything straightened out I let her know that I would try to catch a latter train or bus. If I had decided to leave out of town anyway that day, I would have had major problems traveling and or making it back home I think her intentions and motives towards me should be investigated. As a result of all of this I lost {$3500.00} in wages and a potential jobs. it is my wish that someone of in higher authority at regions bank investigate this situation for me down here in XXXX XXXX because it appears to me that there is evidence of systemic racism on behalf of XXXX XXXX. at the very least incompetence, and poor customer service. I exercised my right as a customer to complain about a mistake, concerning my account, and my money at a regions bank that the bank XXXX herself made. I was disrespected and retaliated against unfairly XXXX XXXX essentially used your corporate hammer to hit me in the head. For complaining about her making a mistake that cost me a job and money XXXX XXXX XXXX P
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 719XX
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-14
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received emails indicating that 2 accounts had been opened in my name and that standard overdraft coverage for ATM had been declined. I never opened any accounts with Regions Bank and tried calling them to resolve the problem. They would not look up the accounts without me giving my social security number. They told me to file a complaint with the consumer finance website.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WY
Zip: 831XX
Submitted Via: Web
Date Sent: 2021-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My name is XXXX XXXX and my contact number is XXXXOn XX/XX/XXXX, I went inside regions bank on XXXX and deposited a check in the amount of XXXX XXXX and {$500.00} cash which is a down payment for a house I am trying to buy. A few days later after depositing the check, I received an email that the check will be on hold until the XXXX of XXXX, XXXX. On XX/XX/XXXX I attempted to pay for something using my debit card and it was declined. I attempted to log into my acct and my access was blocked. I contacted customer service and was told that I have to go to my local branch to unlock my acct because it has been locked for possible fraud. I went to your branch on XXXX, XX/XX/XXXX and a ticket was submitted to unlock the account for me and after several misinformations by XXXX XXXX, I was told by the bank manager that the check will be on hold for up to 90 days for possible fraud. I have provided all the information you and XXXX asked of me to show proof of where the check came from and Ive showed bank statements from my husbands business account including copies of both front and back of the cashed check and still my acct is on hold. My house will be ready next month XXXX, XXXX and as of right now, the bank is holding my money hostage despite the fact that I provided all the documents they requested.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2021-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Regions Bank has a duplicate account being posted on all 3 of my bureaus with the account # XXXX, reporting multiple late payments on my credit report that is severely hurting my credit score against all 3 bureaus where I am unable to qualify or get a mortgage loan. The accounts are paid off and were always in good standing to my best knowledge however not only is it a duplicate account one has 3 late payments on a secured credit card and one has 4 late payments on another. Now according to 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. ( Pub. L. 90321, title I, 163, as added Pub. L. 93495, title III, 306, XXXX XXXX, XXXX, 88 Stat. 1514 ; amended Pub. L. 11124, title I, 106 ( b ) ( 1 ), XX/XX/XXXX, 123 Stat. 1742 ; Pub. L. 11193, 2, XXXX XXXX XXXX, 123 Stat. 2998. )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90047
Submitted Via: Web
Date Sent: 2021-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-12
Issue: Problem when making payments
Subissue:
Consumer Complaint: I have been trying to contact Regions by phone, email, and mail. Requesting a good will adjustment regarding my late payments on account # numbers below. XXXX XXXX XXXX XXXX Ct XXXX, GA XXXX Regions Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Account # : XXXX Account # XXXX XXXX XXXX : I have been customer since XXXX and during that time, I have enjoyed my experience with Regions Bank greatly. I am writing to see if you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have a late payment on the above referenced account XXXX from XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX. I also have a late payment on the above referenced account XXXX from XX/XX/XXXX and XX/XX/XXXX. Because of my previously exceptional past payment history, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was in the process of finding gainful employment after the pandemic. During the pandemic, I did a great job of maintaining a good payment history with using funds from my savings. After depleted is when I started to have issues. I have reached out since I say that not to justify why the payment was late, but rather to show that the late payment is not a good indicator of my actual credit worthiness. I hope that you are willing to work with me on erasing this mark from my credit reports. I have been a very happy customer in the past and hope to continue a long relationship with Regions Bank. With todays credit industry being so competitive, I know how important it is to maintain good relationships with customers. Regions Bank has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why Regions Bank is head and shoulders above the rest. I look forward to your reply.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30013
Submitted Via: Web
Date Sent: 2021-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I sent letters and paid in full receipts to REGIONS BANK no response in return within 30 days. I also sent letters to XXXX XXXX XXXX XXXX about my account paid in full and they still have it showing as derogotory balce {$0.00} which shouldnt be not be reporting anything negative.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2021-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: on XX/XX/2021 i noticed one of soon to be several unauthorized charge on my account in the amount of {$310.00}. now on this particular day it happened to be my now XXXXXXXX XXXX XXXX birthday! leaving me devastated and moneyless with three other children to feed and no means to feed them i found myself having an anxiety attack! I then proceeded to contact Regions immediately, after being on hold for 30 minutes i then spoke with XXXX XXXX who i confronted about the unauthorized charge. After being told i would not and could not reverse the transaction i demanded my money be returned yet again under 15 usc 1692h 15usc1692d 15 usc 1692e XXXX in return call her supervisor who also tells me the same thing that i can not and will not be returned any money! Regions then again on XX/XX/2021 took XXXX on XX/XX/2021 regions took XXXX and again XXXX XXXX after being told not to keep garnishing my account they did so anyway! I want to know how are they able to use my credit card and take my money when they feel like it please elaborate for me after being violated they continued to mail several alleged debt letters to my familys place of abode on XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 when i called to investigate regions told me they had no knowledge of what had been sent and to whom it was sent to regions went as far as closing my account without my permission just mind blown that they think they have the right to do these things to me me being the consumer thanks ill be waiting a response
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08401
Submitted Via: Web
Date Sent: 2021-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-11
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: We have been customers of Regions Bank sinceXX/XX/XXXX, when they were then known as XXXX XXXX Bank XXXX XXXX. We have/had a XXXX XXXX XXXX FREE Checking account. They started charging a monthly fee for holding this account with no notification because it no longer receives Social Security deposits ( due to seizure by the government to pay for XXXX expenses ), and it was not in the account requirements when we opened the account that direct deposit or any minimum balance was required. After discussing the issue with a customer service rep, they told me we had no choice but to pay the fee, would not refund the fee, nor waive the fee. They also refused to allow me to close the account without jumping thru a ton of hassles. Regions has made a habit of overcharging and bilking senior citizens living thru fixed incomes and XXXX issues by sucking extra fees from accounts with well over a {$1000.00} balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38135
Submitted Via: Web
Date Sent: 2021-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XX/XX/2021 XX/XX/2021 On these dates {$36.00} overdraft fee on unauthorized items. I asked to have it disputed. I was told by the bank ( regions bank ) they would close my debit card and issue a new one They wouldn't dispute or investigate this matter
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48111
Submitted Via: Web
Date Sent: 2021-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I opened a secured card with Regions with a {$300.00} deposit. The money was held in an account separate from the credit card. Back in XXXX the card was automatically upgraded to an unsecured card. I was notified about this change via letter. The actual change from secured to unsecured occurred in XXXX and when I called I was told that a check was mailed on the XXXX. I called again around XX/XX/XXXX and was told that the check has 30 days to reach me and it would not be reissued until after that time. I called again on XX/XX/XXXX XXXX I was told that they have no record of the {$300.00} that was being held. I have statement that show the account with the {$300.00} however that account is no longer available on my profile. I've spoken to a few different people and there has been conflicting information given to me. The last time I spoke with someone I was told a ticket would be opened and I would receive an email by XX/XX/2021. I haven't heard from anyone and the credit card side does not seem to know what I am talking about.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A