Date Received: 2021-11-03
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I received in the mail a flyer advertising {$400.00} if I opened a new regions account. I opened the account and followed all instructions but they never gave me the {$400.00}. When I contacted them they said it was because I did not enroll in electronic statements within the first 30 days of opening the account. I explained that I attempted to enroll in electronic statements but the enrollment process requested information from my paper statement. As such, I had to wait to receive my first statement before I could enroll in electronics statements. This effectively eliminated my ability to receive the offer when I in good faith held up all requirements on my end. I feel like Ive been defrauded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36608
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: My debit card was compromised and I reached out to Regions bank to cancel the card and send a new. Once the new card arrived, I activated and locked it. While the debit card is locked, unauthorized charges are going through on my account. Each transaction, be it big or small, Regions charged me {$36.00}. So within a short period of time, Ive amassed close to {$200.00} in OD fees. I reached out to Regions to see if I could get some of the fees waived because its extremely expensive and everyone is having a hard time amidst this global pandemic. These transactions were unauthorized and regions is refusing to waive any of the fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-30
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: I was victim of identity theft and I lost everything
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2021-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-29
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: I worked for XXXX XXXX in XXXX XXXX, CA on XX/XX/XXXX. Due to issues that I have already filed a complaint with the XXXX XXXX XXXX about, I was unable to return to work. On XX/XX/XXXX, I spoke with XXXX XXXX XXXX that assisted with deleting my inaccurate direct deposit information ( which Comdata does not allow unless we have a card, which hinders the paychecks that we are forced to accept to receive or set up direct deposit for ) and ordered me a new XXXX XXXX. I should have received this card the week of XX/XX/XXXX. When I did not receive it I contacted Comdata and they claimed another was sent out supposedly expedited on XX/XX/XXXX. By XX/XX/XXXX, I called to confirm the order again and get an XXXX because at this point I'm having to borrow money to pay bills while trying to get back to work. They confirmed it was on the way and I am sure I confirmed the address each time and they verified they had the correct address. The rep provided me with a tracking number and said it was set to be delivered on Thursday, XX/XX/XXXX. Today, I check the tracking and it says it has been delivered way to XXXX XXXX, IN even AFTER numerous address verifications. So now they claim to have ordered ANOTHER CARD and it will be sent out in ANOTHER XXXX days. She didn't even bother to make it expedited even though I explained I have been waiting almost a month now. The rep has the most " XXXX XXXX XXXX XXXX '' attitude about it. Why does XXXX XXXX XXXX their employees to take a COMDATA card for paychecks and then show no concern, do not provide updated payroll information or make it convenient to receive our paychecks? I had not worked for XXXX XXXX since XXXX and the personnel said they updated their payroll system since then but THEY DID NOT SEND OUT INFORMATION TO UPDATE PAYROLL AT ALL. ASKING IF I STILL HAD A CARD FROM XXXX XXXX AGO EVEN THO I HAD DIRECT DEPOSIT SET UP THE WHOLE TIME. THEY DO NOT CARE IF THEIR EMPLOYEES GET PAID ON TIME AS LONG AS WE WORK. XXXX WEEKS LATER AND I'M STILL WAITING ON A PAYCARD. THIS IS UNACCEPTABLE. Then COMDATA systems will not even allow us to log in and adjust our payroll or direct deposit information UNLESS we have their card. SO THEY ARE FORCING XXXX TO USE THEIR CARD but then WILL NOT EVEN SEND OUT CONFIRMATION EMAIL THAT IT HAS BEEN ORDERED, NO TRACKING NUMBER OR ANY INFORMATION. NOW XXXX WEEKS AFTER WORKING, I STILL HAVE NOT BEEN PAID. I HAVE BILLS TO PAY!! THIS IS HURTING ME WHEN I GET LATE FEES AND BILLS CUT OFF DUE TO NON-PAYMENT WHEN I'M LITERALLY WAITING FOR A CARD THEY HAVE ORDERED XXXX DIFFERENT TIMES. I already filed a complaint against XXXX XXXX for working their employees XXXX hours without our second break and now they are also making it extra hard to even get paid. This complaint is against XXXX XXXX AND Comdata.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90037
Submitted Via: Web
Date Sent: 2021-10-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-25
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I honestly think the bank picks and chooses when they'll accept or deny transactions for automated payments. Since having this checking account in XX/XX/, I've had more than one overdraft fee posted to my account. I contacted the bank more than once to request of having fees waived or refunded. They've only one it one time for {$36.00}. They've made over $ 1,000+ dollars in overdraft fees alone and I just started back working again after being unemployed for over a year. By this time next month, I'm transferring my money to a place where I'm not charged overdraft fees and can hold on to money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32808
Submitted Via: Web
Date Sent: 2021-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-22
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: When I had a problem with my employer and the all was deposited in Regions Bank. My last Social Security check was direct deposited in XXXX of 2020 and they closed the bank account without refunding the amount of {$2300.00}. I will be homeless in 7 days unless I can get my money. Thank you for your help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33322
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Wired {$10.00} to my Regions checking account 0n XX/XX/21 from another bank to determine if the transfer information setup was correct. It did work but I found when receiving my statement they had charged me {$15.00} dollars fee for the wire transfer of {$10.00} when receiving my monthly statement. Called the Regions XXXX XXXX XXXX and tried for an hour to speak to management ( in meeting ) until they transferred me to a local bank who manages my account. XXXX XXXX, bank manager upon answering told me the {$15.00} dollar charge had been removed. The refund was correct but I felt that if I and others do not read the monthly statement carefully the charge or overcharge would not be noticed since I did not know about the charge until I saw the entry on my bank statement.To me this is a deceptive manner in conducting banking business. Depositing money in ones banking account by any medium should be free or no strings attached unless clearly advertised/notified in particular before the wire transaction is initiated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37664
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Regions Bank at XXXX XXXX XXXX, South Carolina, XXXX told me to travel to Regions Bank at XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX and close out my account that they had a hold on because they refused to recognize my home address back in XXXX. This was the same address used and verified to open the account. The bank was gon na refuse to give me my money unless I traveled from XXXX to XXXX to pick up the money in the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Regions delays payments into accounts and prioritizes payments out of accounts in order to force overdraft fees. They do this multiple times in rapid succession so they can charge you in excess of {$100.00} at a time. They can not be trusted to resist the temptation to take advantage of this lack of transparency in order to parasitize their clients. Consumers should be educated about financial institutions that engage in levying and extracting predatory fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37920
Submitted Via: Web
Date Sent: 2021-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock XXXX and before XXXX oclock XXXX, local time at the consumers location 15 U.S. Code 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, 15 U.S. Code 1605 - Determination of finance charge ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90028
Submitted Via: Web
Date Sent: 2021-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A