Date Received: 2021-08-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/2018 I was having fraudulent activity on my account, no alerts, for ( 3 ) strait days, called them and why we were on the phone and they were trying to fix it, some one was undoing what they were doing as we were speaking, so I ask to freeze the account. Later if was charged off and you my money on the secured card at {$800.00},, a lil over {$200.00} had been spent, they move have it in collections, refuse to give back my money, and don't take it out of collections.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36867
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-03
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 is not following applicable bankruptcy laws. I filed Chapter XXXX bankruptcy on XX/XX/2021. This included the two lines of credit, credit card and checking account from Regions bank with the negative balance. These debts were discharged XX/XX/2021. Regions did not attend the meeting of creditors. Yet regions continues to report these accounts as charge offs. These debts are no longer collectible as the debt has been discharged should be reflecting as such to each credit bureau with a {$0.00} balance. Including in void and early warning services. Lastly regions is what caused the bankruptcy to begin with. They allowed an identity thieve to open two lines of credits and a credit card in my name. I previously reported that to regions which they did nothing about. After I filed bankruptcy since the theft caused damage to my health as well as credit and life. I have a fresh start.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75087
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-01
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: My complaint is against Regions Bank, XXXX Florida. The Mortgage Lender, loan processor, buyers Realtor, sellers Realtor, and the Seller of property. The first thing I do want to say is, buyers need to have more rights, and not get get taken for thousands upon thousands of dollars. I was approved for a mortgage loan upon applying. After weeks of searching for a home, I found one but in ordered to have it I offered XXXX over the asking price of the listed price of XXXX and in which the home was only appraised at XXXX. So me offering the XXXX over the listing price of XXXX the seller excepted my offer. The seller then says she needed to have a additional 6 weeks to move. I had agreed to it but I had to make other arrangements on where to live for those 6 weeks which was in a hotel that cost me XXXX a week X 6 weeks. Other costs along side that was for the plane fare from XXXX to XXXX, my luggage costs, two different shuttles. Additional costs and fees related to the home process is XXXX. Upon submitting all documents on my behalf in a timely manner only to be having to do this several times over. The lender denied my loan but did not send me a letter and in which I had to ask for it. I then said to the Lender and my Realtor that I would like my earnest money back too. The lender then sends me the denial letter if you want to call it that but was dated for XX/XX/2021 where its from the credit reporting bureau which he the lender pulled on that date and I was approved. I then said to him thats not even related to a denial letter. Long story short, I was denied 2 days before closing, so they claim because I had not responded to their claim / issue at that very instant moment. Which I did reply and I said that I was working on it. In the mean time I said to my Realtor, if I am denied then want to know why and in writing and want my earnest money back. He then sends me a form to sign, I then said I am not signing anything until I know I am getting my Initial DP back. He said thats what its for. I looked it over and I was entitled to the full amount and not even 2 seconds later he sends me another form to sign saying that I would only get half. I said no, I am not signing it, and I did not sign. I also said to him that I was good enough to give her that time that she needed to move so I think she should give me an extension as well and that was to resolve an issue. The seller was very unreasonable and very hard to get a long with. Her greedy little self is not entitled to keep my Initial deposit. I feel like I was taken to the cleaners. Buyers need more rights. Buyers should not have to be put through XXXX the way that I was. Buyers should not have to put up all them up front costs where someone next in line buying the house benefits from it. I want my earnest money back. That is my hard earned money not theirs and hers to keep. XXXX ... .... I have all my documents of this case and conversations with them if need of them. I also would like to say that I am not only doing this for myself but I want to help others out there who were or will be taken fir their hard earned money. It sounds like a racket and a racket that needs to stop.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01604
Submitted Via: Web
Date Sent: 2021-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-01
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have had enough of big banks stealing money from me because i did not sign up for overdraft protection and was taken for XXXX i am a XXXX veteran who was hit with by the pandemic i can not afford to be taken advantage of like this because they dont care can and will be homeless if cant pay their bills because of your outlandish fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62801
Submitted Via: Web
Date Sent: 2021-08-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-31
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX and XX/XX/XXXX I transferred 3 wire and ACH bank transfers into my Regions bank checking account from 2 different external bank accounts. Regions only gave me 1 out of 3 transfers : 1 was for XXXX $ a wire-this was received. 1 was for XXXX $ an ACH transfer- which takes 1 day- never received 1 was for XXXX $ an ACH transfer- which takes 1 day- never received. The bank did not handle the disbursed funds as instructed as they were never received. I wasnt the XXXX $ they NOW owe me.
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: 2021-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Regions Bank branch located at XXXX XXXX XXXX XXXX, XXXX, IN XXXX : ( a ) refused to accept 3 Series EE United States Saving bonds, despite accepting 6 other ones, stating, " they have small punch holes in them and they can not slide through their machine '' They told me I had to go deal with it on my own ; ( b ) refused to treat the 6 accepted Series EE United States Saving bonds as US currency and instead treated them as a check deposit, not giving immediate access to the US backed currency, and is at this moment, still pending.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46901
Submitted Via: Web
Date Sent: 2021-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-29
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I have regions bank - life green checking account - ending in XXXX. As per the terms and conditions document that i got at the time of opening this account it clearly stated that maintain a monthly balance of {$500.00} to avoid any monthly fees. In the month of XX/XX/2021 - the average monthly balance is more than {$500.00} but still on XXXX XXXX XXXX Regions bank charged me {$8.00} as monthly fees. Chatted with XXXX XXXX and told her the same. Attaching the terms and conditions document along with the chat.
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: 2021-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2021 and XX/XX/2021, I was charged {$4000.00} and {$9300.00} respectively by XXXX XXXX XXXX, a hotel in the XXXX XXXX. Those charges are representative of my cost to host a wedding for ~40 guests on XX/XX/2021. In addition to damaging my wedding dress before the wedding and forcing me to stay in a molded/mildewed room with rusty water, the hotel did not provide all of the services they were supposed to and many of the services they did provide were incorrect. I tried for several days after the wedding to resolve the issue with the hotel while I was onsite to no avail. The XXXX of the hotel, XXXX XXXX, advised me that my concerns were above his head and I would need to speak with XXXX XXXX of the corporate office. He offered to send XXXX an email on my behalf and I agreed. I also asked him to give me her email address so that I could follow up once I was back home. On XX/XX/2021, I sent an email to XXXX detailing all of my issues and concerns and received a generic email back that offered me a free stay at any XXXX property. I declined the stay and again requested a portion of my money back. As of today, I am still awaiting a response back from the hotel. On XX/XX/2021. I contacted my bank and told them about the damaged dress, wrong wedding colors, wrong food, wrong flowers and they advised me to open a dispute, which I did. The dispute was initially denied stating I never submitted documentation. I immediately contacted the branch manager, XXXX XXXX who said she'd submitted all the documentation and would look into it. XXXX called back and said she would have XXXX resubmit the forms. After two ( 2 ) weeks, I called Reg ions Customer Fraud and was told nothing had been submitted. I then asked for an email where I submitted documentation including photo s. After a few weeks, I was issued provisional credit for the charges. On today, I received a letter from Regions indicating the credit was being reversed because the merchant provided documentation showing that they provided the services. I told her the issue wasn't them not providing services, they did provide some services, but much of what they provided was wrong AND they damaged a custom gown that can not be repaired AND discard my parents ashes. The representative told me that there was nothing to be done as the dispute form submitted stated I " did not receive services '' and should have stated I was " dissatisfied with services I receive. '' I told her that is not my fault as the branch manager completed the form incorrectly. She told me there was nothing more that could be done. I asked her to escalate this to her manager and she said she would put in a callback for someone to call me in 48-72 hours. After disconnecting with her, I called the branch where my claim was filed and the new manager told me I was interrupting her lunch break and that in her opinion this sounds like a civil matter. I told her that they filed the dispute wrong and now I'm being told nothing can be done. She told me she would discuss it with her Area Manager, XXXX XXXX when he came to her branch and see what he had to say about it and give me a call back. At this point, I am losing all the way around : No wedding dress to pass down, parents ashes discarded in the trash, no photos/videos, and no money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-26
Issue: Fraud or scam
Subissue:
Consumer Complaint: I made a purchase via XXXX for an XXXX on the XXXX of XX/XX/2021. The description says the phone is unlocked but unfortunately its locked and I cant use it. I reached out to the guy that sold it and he told me XXXX come replace it and didnt come and blocked all communications. I can not reach him again. I sent the money via XXXX of {$230.00}. I reached out to my bank already and they contacted the receivers bank ( regions bank ) but no response yet. How can I get my money? Things are really difficult especially during the pandemic.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77469
Submitted Via: Web
Date Sent: 2021-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Over the past year, I have been charged {$820.00} in fees by Regions Bank. The largest percentage of these fees are in connection to my checking account which can be categorized as overdraft fees, overdraft transfer fees, and international service charges. I participate in online banking which has a feature of setting a balance threshold at which time I receive alerts by text and email notifying me of a low balance. Over the past year, I have had to go into my account and repeatedly redo these settings because I never received the alerts as I had set on the settings page. It was as though the system cleared itself and I had start fresh all over again. Because the system did not alert me as it was supposed to, my account went into the negative on more than one occasion resulting in fees. I do not feel I should be held responsible for these fees because I depended on a service that I opted in for but did not receive. I tried bringing this to the banks ' attention by calling in more than once only to be told I would need to go in and reset my alerts once again. Only recently ( approximately 2 months ) have I actually been getting the notifications like I am supposed to. Whenever my account did go into the negative, I was very quick to bring the account into the positive by making an adequate deposit ( usually within 24 hours ) that covered the fees ( sometimes well over {$100.00} ) plus additional funds. Never did I let the account sit in the negative for any length of time nor would I have allowed it to go into the negative had I been alerted as I thought I would be according to the terms of service when I opted in for low balance alerts. I have a total of 5 accounts with Regions to which there is very regular activity of deposited funds. I contacted Regions today regarding a late fee I was assessed on my credit card account for a payment that was actually received on time. They did refund that fee. This made me start looking at all of the fees I had been assessed in total over the last year. I was shocked to see it added up to over {$800.00} so I asked the representative if anything could be done and also explained the problem I had had with the alerts. I also explained that it was my understanding that banks were requested by the federal government to waive fees assessed during the Covid Pandemic time period. ( I understood specifically that fee refunds were not automatic and that a customer had to ask the bank directly. The representative first chuckled and said he had never heard of any such thing. He said he only saw 2 recent fees which he did refund to my account. When I asked about all the others, XXXX in total, he acted confused because he didn't see them. He completely ignored me giving no response regarding the international service fees. He escalated the issue to a manager named XXXX located in XXXX. XXXX put me on hold to " research '' the account only to come back to the line and tell me he could not help me. Until today, I had never requested a fee reversal with Regions because I did not want to be that customer who thinks the rules do not apply to them. The transactions that actually put the account into the negative were always recurring charges. None of them were random expenditures for unessential goods.But enough is enough. I have been affected by the Pandemic by losing my source of employment. Fortunately, I have had an inheritance to sustain my husband and myself during these tough times. However, that does not give Regions the right to ignore a problem with their system and collect fee after fee from me which could have easily been prevented. I did my due diligence by trying to prevent the fees with opting in to low balance alerts, reported the issue to customer service, and immediately rectified the resulting negative balances by taking swift action and making deposits.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37814
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A