Date Received: 2021-12-07
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: So regions said my account was over drawn, but my account is clearly not overdrawn. I had another deposit coming in for anything that would come out today, but last night it wasn't overdrawn. It still showed {$35.00}. I haven't had this problem until 2021. This has happened 3 times and they say I had not enough funds to cover it. But it shows that I did and do. I am looking forward to switching banks because none of my other bank accounts do this to me. I literally see that regions is now stealing money from their customers. I took a screen shot. Literally if I know its going to be negative, I transfer money in time, but in this way when a check comes overnight. They give me an overdraft fee even when my account balance is not negative.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37087
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-07
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On several occasions I will go to bed with a positive balance then wake up with an overdraft fee associated with a negative valve that wasnt there the night before. Anytime my account goes negative I receive a text message and I refund the account prior to XXXX which is their cut off time. However they process things out of order and will not give you an opportunity to correct or refund items that cha XXXX over process over night. Theres no warning and no time given to fund our account. For example on XX/XX/2021 I received a text saying my account was negative XXXX I checked my account later that day to Find it was XXXX at XXXX EST I transferred money from a different regions account exactly {$9.00} to cover the negative balance. I had a positive balance of XXXX however on XX/XX/2021 I woke up with an overdraft fee for charges that apparently process over night out of order that over XXXX my account by XXXX. This is the XXXX time in XXXX weeks that regions has done this. They admitted their processing is XXXX but refuse to refund me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30106
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-07
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received a letter addressed to me from Regions Bank at my home address regarding a debit of XXXX against checking account number XXXX on XX/XX/2021. The debit was taken to satisfy debt in the amount of XXXX due and owing by one of the owners of the account on another account with Regions bank. I went into a local Regions bank branch and spoke with Branch Manager XXXX XXXX in the XXXX GA branch at XXXX XXXX XXXX XXXX. He stated that there were two checking accounts and two savings accounts opened in my name using my actual social security number and date of birth and address. The email used was not my email " XXXX '' and a name of " XXXX XXXX '' was also listed on the account. There was activity of deposits from " XXXX '' of XXXX with serial number XXXX on XX/XX/2021. There were payments to XXXX of XXXX in my name with a trace # XXXX on XX/XX/2021 and customer id of XXXX. There was an XXXX payment to XXXX XXXX Customer ID XXXX on XX/XX/XXXX, XXXXRegions has red flagged the bank accounts and I have emailed XXXX, XXXX, and in the process of getting a PIN number from IRS for my tax filing. My office number is XXXX and email is XXXX. I have filed a police report with the XXXX XXXX XXXX XXXX case number XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filled a dispute in regards to inaccurate items that are on my credit report. It has been well over 30 days and haven't received any investigation results
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77406
Submitted Via: Web
Date Sent: 2021-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Regions Debit Card and Pin Number were stolen from me on XX/XX/XXXX around XXXX XXXX AM. The card was taken and used for over XXXX transactions across XXXX until around XXXX AM on XX/XX/XXXX. The debit card was immediately frozen around XXXX, while XXXX more attempted charges were denied. I have been using Regions Bank for roughly XXXX years, and this is my first fraud claim incident. A list of the transactions are listed below as they were posted on XX/XX/XXXX : * XX/XX/XXXX Card Purchase XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX ( place of theft ) XX/XX/XXXX ATM XXXX Regions XXXX XXXX GA XXXX XXXX XX/XX/XXXX PIN Purchase XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX PIN Purchase XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX Purchase XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX Purchase Wal-Mart # XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX GA XXXX XX/XX/XXXX Card Purchase XXXX House XXXX XXXX XXXX GA XXXX XXXX XX/XX/XXXX PIN Purchase Qt XXXX Outside XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX PIN Purchase XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX Wal-Mart # XXXX XXXX XXXX GA XXXX XX/XX/XXXX PIN Purchase XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX After finding out my debit card was used throughout the night, I drove to the Regions office to dispute the charges and get a new card. I filed a fraud dispute with Regions the morning ( XX/XX/XXXX ) the charges were posted ( and no longer pending ). It was declined after XXXX business days. After filing a police report and reopening the claim, the claim was denied yet again. They refuse to look into their own ATM cameras to help my case and seem to be just pushing me along to deny me every XXXX days with no further investigation. I have received fraud alerts ( or denied use ) for my own {$40.00} purchases, but not when a thief stole over {$2300.00} over the course of one night.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30017
Submitted Via: Web
Date Sent: 2021-12-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Hello I contacted my bank and let them know I lost my bank card this is very unbelievable I never in my life experience this. And my debit card was use for {$3900.00} dollars of my hard working money. I really need my money and is under XXXX due to this happening I pray to XXXX find the thieves I have a XXXX XXXX XXXX daughter this is very terrifying.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33127
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: I open account with Regions bank I deposited XXXX $ in the account a week later I got a letter saying I owed money to the bank and the XXXX was taken I called couple of times no response or returned called I finally got ahold of a manager at the branch name XXXX XXXX Saying there was no other account for me with a previous balance also the manager by the name of XXXX XXXX open the account for me And did it see anything as well if I owed any amount it wouldnt never let me open up a account according to both managers they neither one saw anything this happened In XXXX and just now being addressed Ive got emails about the account being open ending in XXXX No debit card or anything
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46221
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-02
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: On Friday XX/XX/XXXXXXXX, I went into an XXXX XXXX XXXX store to make a payment on my phone and internet bill which was {$260.00} ( XXXX for internet {$200.00} for phone ). On Monday XXXX XXXX, XXXX I noticed that my internet was charged twice on my bank account. I called XXXX XXXX XXXX and asked if they could refund the extra internet payment. They said they would. The next day I noticed my phone bill still had a delinquent balance. I checked my bank account and saw the payment posted as of that Monday. I called XXXX XXXX XXXX and they told me the payment for both my phone and internet bill was reversed/canceled. I told them that was not supposed to happen but once it post back to my account I will pay it again. The money never posted back to my bank account. I called them several times over a month trying to get the money refunded to my bank or credited to my bill and they refused because they stated they already gave it back to me. I showed them my bank account and the receipt from my payment and they still would not rectify the situation. On XX/XX/XXXX I had to pay the delinquent balance on my phone bill even though I never received the payment back and they charged me a {$35.00} fee. On XX/XX/XXXX I again paid my phone and internet bill. On XX/XX/XXXX I have another payment due but I still have not received the payment back from XX/XX/XXXX. I finally filed a dispute with my bank Regions. I provided them documentation and they have closed my claim stating that they can not credit my account even after showing them documentation that XXXX XXXX XXXX supposedly refunded the money. I again called XXXX XXXX XXXX and they wont find a solution to this problem. They say its the banks issue to fix and Regions keep telling me its XXXX XXXX XXXX issue to fix. I can provide documentation from my bank and XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75070
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-01
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I saw an advertisement on the REGIONS website offering a {$200.00} sign up bonus by doing a deposit of {$500.00} and XXXX debit card transactions. I had XXXX days to complete these requirements. Very simple to do, however it took nearly XXXX weeks for me to receive my debit card and when I did I activated it the same day and used it XXXX times the very same day. They have not honored their advertisement and they are still running the promotion right now. I do not understand why they are not honoring the bonus when I did the deposit and used the debit card. They seem to be trying to get out of paying the promised money by using a technicality but that is in bad faith because I did what was required and it was REGIONS that did not use a fast delivery service when everybody knows the XXXX has been delayed for over a year now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2021-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX I sent certified mail to XXXX disputing a foreclosure record that was reported as having occurred in XX/XX/XXXX. I requested them to report correctly as the foreclosure was in XX/XX/XXXX. On XX/XX/XXXX I received the results of my dispute stating that after investigations the item remained as is. On XX/XX/XXXX I refiled an electronic dispute with XXXX and included a copy of the XXXX XXXX of the foreclosure. On XX/XX/XXXX I received the results stating that the company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute XXXX dont think XXXX is doing its duty in investigating this dispute. Prior to XXXX, the foreclosure was accurately reported on the exact month and year it happened. For reasons best known to XXXX, they changed the date of the foreclosure from XX/XX/XXXX to XX/XX/XXXX. This inaccurate reporting hurts people trying to do the right thing and creates doubts about the credit reporting system.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32571
Submitted Via: Web
Date Sent: 2021-11-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A