Date Received: 2021-09-23
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I never asked the bank to change my address or make changes to my account, yet someone named XXXX keeps calling me from a Regions Bank location that is unknown and keeps asking for copies of bills.
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: 2021-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-22
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I had unauthorized charges from XXXX from XX/XX/XXXX until XX/XX/XXXX and when I spoke to Regions account representatives, they stated that they will issue the refund and directed me to go to a branch. I went to the branch and the manager didn't even know how to process the dispute and finally figured it out and about 2 weeks later I received a letter stating that my claim was denied after further review.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Deposited title company check from real estate sale on XX/XX/21. Hold was placed on funds availability until XX/XX/21. Unreasonably long delay when funds settle in 3 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My wife and I had two electronic withdraws made on the XXXX XXXX and XX/XX/XXXX for our mortgage. We only authorized Regions Bank to withdraw only one payment. We called Saturday XXXX XXXX to alert them and Regions bank representative said it would be sent back into our bank account at XXXX XXXX XXXX for the amount of XXXX. They say it would take a few hours on Saturday. Monday they said they didn't send anything to us. Monday we spoke with customer service and the manager XXXX XXXX and he said the money would be to us by Wednesday the XXXX today by noon. The money never came. We talked to a Supervisor on the XXXX and said a wire transfer would be issued immediately and XXXX bank would put a hold on it. We called XXXX and we talked to a manager named XXXX. We still have no money and our bank XXXX emailed us and said they do NOT hold wire transfers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 551XX
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-21
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XX/XX/XXXX opened a savings secured line of credit account, I took {$1000.00} ( collateral ) from my account to open this account, to establish my {$1000.00} credit limit and to help build my credit. The bank was not reporting accurate and timely data to the credit bureaus and it was not helping build my credit. XX/XX/XXXX, I went into one of the local branches to closed the account because it was not serving a purpose. XX/XX/XXXX I went back into the bank to receive/collect the {$1000.00} reimbursement for the closing of the account. The teller ands the bank manager that closed the account on XX/XX/XXXX mistakenly took an additional {$1000.00} out of my account, instead of refunding the {$1000.00} due me. After multiple calls to the customer service number and chat lines, I was told to go back to the bank and request the release of the hold that was on the money. It's now XX/XX/XXXX, I have been given the run around since XX/XX/XXXX about the return of my {$1000.00}. Multiple phone calls have been made to a couple of bank managers and no one has returned my phone calls or provided the status of when I should expect the return of my {$1000.00}. I just want the reimbursement and return of the {$1000.00} collateral I put up front to open the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63121
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-21
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: My wife deposited a check made out to her in my account. The teller checked her id and accepted the check. The next day we where told that they could not accepted the check because she was not on the account. They have put a hold on the money for four weeks and refuse to release to my account or refund the check back to the issuing bank. I went there and offered to sign the check and they would not let me. The issuing bank has released the funds with no issue but they still refuse to release the money. This money is being held hostage because their employee was not suppose to accept the check but did anyway. The amount of money is {$5000.00} dollars. The bank is Regions bank in XXXX, GA. The money was deposited on XXXX and they have a hold on the money until XXXX. This is totally unreasonable. This is {$5000.00} that we can not access because of an employee mistake and we are being penalized because of this. I have spoken to customer service at the bank and at corporate but no one seems to care. I asked to speak to the lady 's supervisor and their supervisor but was told no one was there and it was XXXX in the XXXX. All I ask is to have the money put back to the issuing bank which is not unreasonable. Thank you for any help you can give me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-20
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: I did a consumer credit transaction with REGIONS BANK Title 15 U.S. Code 1679a ( 2 ) The term consumer credit transaction means any transaction in which credit is offered or extended to an individual for personal, family, or household purposes. I filled out a Credit Application with REGIONS BANK I got denied But how could I get denied? Even when I sign the consumer credit contract instrument and pay to order regions bank they are going to deposit it for full faith and value. In exchange for the instrument I received a check pursuant to the Bill Of Exchange Act Title 12 U.S.Code 24 sets forth powers of banks including REGIONS BANK A bank can lend its money, but not its credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Ga XXXX, XXXX XXXX XXXX, XXXX XXXX ( NS ) XXXX. In the federal courts, it is well established that a bank has no power to lend its credit to another by becoming surety, endorser, or guarantor for him. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX F XXXX XXXX, XXXX XXXX. Banking Associations from the very nature of their business are prohibited from lending credit. XXXX XXXX XXXX XXXX vs. XXXX XXXX XXXX XXXX XXXX I use my federal credit card information on the credit application Title 15 USC 1602L The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit Once I gave REGIONS BANK I applied my credit card information to the credit application I gave REGIONS BANK CREDIT. Denying the credit application would be considered Unauthorized use of my credit card & unauthorized access device Title 15 U.S. Code 1602pThe term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Title 18 U.S. Code 1029e1 the term access device means any card, plate, code, account number, electronic serial number, mobile identification number, personal identification number, or other telecommunications service, equipment, or instrument identifier, or other means of account access that can be used, alone or in conjunction with another access device, to obtain money, goods, services, or any other thing of value, or that can be used to initiate a transfer of funds ( other than a transfer originated solely by paper instrument ) ; Title 18 U.S. Code 1029e ( 3 ) any access device that is lost, stolen, expired, revoked, canceled, or obtained with intent to defraud Title 18 U.S. Code 1029e ( 5 ) the term traffic means transfer, or otherwise dispose of, to another, or obtain control of with intent to transfer or dispose of ; Title 18 U.S. Code 1029a ( 6 ) Fraud and related activity in connection with access devices Whoeverwithout the authorization of the issuer of the access device, knowingly and with intent to defraud solicits a person for the purpose of ( A ) offering an access device ; or ( B ) selling information regarding or an application to obtain an access device ; Im the ORIGINAL CREDITOR in this consumer credit transaction Title 15 U.S. Code 1602g The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( XXXX ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. I am a Natural Person & Consumer Title 15 U.S. Code 1602i The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. Me XXXX XXXX Is A Natural Person An The ORIGINAL CREDITOR granting REGIONS BANK the right to credit Title 15 u.s.c 1602f the term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment Credit is my RIGHT AS A NATURAL PERSON NOT A PRIVILEGE Title 15 USC 1602L Title 15 USC 1605 Determination of 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. Title 15 U.S.Code 1611 Criminal Liability For Willful And Knowing Violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. Title 15 USC 1692, Congress has concluded that several companies, including yours, use abusive, deceptive and unfair debt collection practices. I am a Consumer. Title 15 USC 1692a ( 3 ) A consumer is defined as any natural person obligated or ALLEGEDLY obligated to pay any debt.. REGIONS BANK is a debt collector. Title 15 USC 1692a ( 5 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. The credit is created by the signature of the natural person/original creditor. I I DON'T want REGIONS BANK Trafficking my access devices ( credit card info, mobile identification number, personal identification number & account number ) without my authorization to XXXX, XXXX, & XXXX. Title 18 U.S. Code 1029e1 the term access device means any card, plate, code, account number, electronic serial number, mobile identification number, personal identification number, or other telecommunications service, equipment, or instrument identifier, or other means of account access that can be used, alone or in conjunction with another access device, to obtain money, goods, services, or any other thing of value, or that can be used to initiate a transfer of funds ( other than a transfer originated solely by paper instrument ) ; Title 18 U.S. Code 1029e5 the term traffic means transfer, or otherwise dispose of, to another, or obtain control of with intent to transfer or dispose of ; Title 18 U.S. Code 1029a6 Fraud and related activity in connection with access devices Whoeverwithout the authorization of the issuer of the access device, knowingly and with intent to defraud solicits a person for the purpose of ( A ) offering an access device ; or ( B ) selling information regarding or an application to obtain an access device ; I am exercising my RIGHTS UNDER TITLE 15 CHAPTER 41 CONSUMER CREDIT PROTECTION Denied me my rights & CREDIT under chapter 41 is DISCRIMINATION Title 15 U.S. Code 1691a ( 3 ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 3 ) because the applicant has in good faith exercised any right under this chapter. 15 U.S. Code 1691e - Civil liability Any creditor who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for any actual damages sustained by such applicant acting either in an individual capacity or as a member of a class. Any creditor, other than a government or governmental subdivision or agency, who fails to comply with any requirement imposed under this subchapter shall be liable to the aggrieved applicant for punitive damages in an amount not greater than {$10000.00}, in addition to any actual damages provided in subsection REGIONS BANK obtained my credit under false pretenses! Denying me 5 U.S. Code 1681q Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37128
Submitted Via: Web
Date Sent: 2021-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I fulfilled all the above conditions, except enrolling into online statement, in a timely manner i.e., first 30 days but Regions bank is not willing to pay I the cash back bonus ( either {$200.00} or {$400.00} ). Regions bank couldnt help the I in terms of the online access as few years back ( XXXX ) I had past relationship with Regions bank and that resulted into NOT able to setup online access for the I. I put a lot of efforts but no success in terms of getting online access. One has to have online access then only they can enroll for the online statements. I made multiple calls to Regions bank customer service and emailed the local branch but no success. During COVID-19 wait time on telephone lines is too long but still I tried his best. Due to no online access I couldnt setup the online statement within the first 30 days of account opening. I called and emailed Regions bank customer service and local branch but no success.. This was definitely not the fault of I NOT to enable online account statement in the first 30 days of account opening. Finally, I filed CFPB ( Consume Financial Protection Bureau ) Complaint # XXXX filed on XXXX XX/XX/XXXX for no online account access. Regions bank gave round about answers for this. XXXX XXXX from Regions local branch also called but no success. I worked with local Branch manager, XXXX XXXX, to setup online access but no success regarding that. I tried his best to get online access within the first 30 days of account opening. Finally, I has to work extended hours to get the online access. But by the time, I got online access and setup online statements it was beyond 30 days of account opening. But not able to register for online statements was not at all my fault. Moreover, Regions didnt send even a single bank statement to my home address which means that by default online statement was already set, may be due to past relationship I had with Regions. Which means that Regions Bank either violated laws by either not sending the monthly statement by postal mail to the Customer, i.e. me, OR Regions Bank is just coming up with the excuses NOT to pay the promotion to the I. If Regions Bank still argues that they didnt sent a paper statement to the I then Regions Bank is violating these laws : XXXX XXXX XXXX XXXX XXXX XXXXXXXX as I had done at least one transaction but I didnt receive any paper statement from Regions Bank initially. And if Regions Bank argues that Regions Bank didnt send the paper statement because I as per his past relationship enrolled into online banking and thus online statements then Regions Bank should honor the {$400.00} or {$200.00} promotional cash back bonus. Moreover, its Regions Bank which couldnt help the I in terms of setting up online access within first 30 days and it was purely the fault of Regions Bank. To resolve this issue, I reached out to Customer Service of Regions bank via various communication channels including but not limited to emails, chat, phone calls. When issue was not resolved, I has to be escalate this matter to CFPB ( Consume Financial Protection Bureau ) via 3 different CFPB complaints. Even after meeting all the terms and conditions in a timely manner, Regions Bank denied the cash back bonus of {$400.00} or {$200.00} to me. For that I filed some other CFPB complaints XXXX on XXXX XX/XX/XXXX. Regions bank came up with another excuse that I didnt enroll for online statements, thus denied cash back bonus. Please refer all the CFPB complaints, response of Regions bank and chat regarding this issue. Moreover, I have all the online statements since XX/XX/XXXX that means I was enrolled internally in their system. So why Regions is denying my hard earned {$400.00} cash back bonus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-18
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: Ive banked with Regions for over a year and have had issues with my balance not matching payments and money missing so I started taking screenshots of my account when I would make purchases. Recently I paid a bill and then deposited money into my account. The money for the bill was removed BEFORE I deposited the money and then I paid some credit card bills. The next day my card declined and I opened my online account and I was negative XXXX dollar which wasnt possible. I went through it and overnight my account balance was higher and my first bill I paid before the deposit went in again AFTER the deposit. I called customer service and they said my balance on online banking was incorrect from pending transactions but my ATM receipt from my deposit says the same thing my online banking did before the transactions posted. I went through my screenshots of my account and added everything up from the last week and my account is short {$78.00}. They stole {$370.00} dollars from me last spring when I cancelled a bed set because the company was out so I moved money from my savings to my checkings to buy a different bed set until my refund went through. The money was immediately taken out and the next day I deposited a check for {$600.00} the next morning my account was short and like this time my purchase for the new bed set went through AGAIN when my check cleared. Im sure if I go through and add up when Ive had a lot of transactions Id find more money missing but that time I unfortunately didnt have any proof thats why I started taking screenshots of my online banking. When I make a lot of purchases or pay a lot of bills my balance fluctuates when items post.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 371XX
Submitted Via: Web
Date Sent: 2021-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My husband passed away suddenly without a will and no named beneficiary of the {$940.00} on his bank account. However during his illness he called the Regions bank customer service with me on the telephone and stated that he authorized me to pay his bills from his bank account. The CSR asked for me to be put on the phone to give my name and social security number which I gave. He then said that it was on the Regions banks system. I paid some of the bills from the online account that I setup, but within three weeks my husband died. Now the bank has frozen the funds. I wrote letters to the branch and head quarters about having the funds sent to me to help pay for my husbands burial. I received a message online from the bank stating that I should go to the branch with my husbands account to personally to discuss the matter. I went to the branch where my husband had his account and I told the one of the branch employees why I was at there. From the start his manner was discourteous and dismissive. He never even offered the customary courtesy of condolence for a customer who banked there for several years. Instead he quickly pushed back the copies of the death certificate and letters I wrote to the bank with a smirk and told me that there was no record of the telephone conversation on the bank 's system. He also added that my husband should have put his authorization request in writing. I told him that the Regions CSR did not tell us to put the request in writing and of course my husband and I did not know that his death would be sudden. Again the bank employee ignored what I told him about my authorization to pay from funds in my husband 's account. At that point he left briefly and came back to the office where I was sitting and laughingly told me to go to probate court for authorization and then come back to the bank. The account in question has {$940.00}. I am on a fixed SS income with new debt to bury my husband. Plus, I can not afford to hire a probate attorney at {$500.00} - {$1000.00}. I believe this situation could have been avoided had the CSR conveyed to us that the bank needed to have the authorization request in writing. Therefore, the bank should not withhold the funds due to the error on the part of their employee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A