Date Received: 2021-07-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: After being layoff at XXXX XXXX XXXX on XX/XX/2009. Also, I have applied for XXXX XXXX XXXX XXXX XXXX XXXX jobs. I set up accounts with Region Bank, Region Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, and XXXX XXXX while residing at XXXX XXXX XXXX XXXX and renting properties XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX, XXXX Louisiana. ( Reference : Consumer Complaint XXXX XXXX Bank fraud and white collar Crime in the United States involving these states ( Alabama, Georgia, Louisiana, Alaska, Texas, Mississippi, New York and Arkansas, North Carolina, South Carolina and Florida ). There ethical issues facing corporations, managers and employees have grown in significantly. Banks have two tellers per institutions and one Customer Service Representatives and Branch Manager. I truly believe employees have accepted gifts. In addition, medical treatment for unprivileged citizens. Bonusess, housing allowance for veterans, state, city and federal employees.The contracts were issued by The Department of Homeland Security and Federal Emergency Management Agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70058
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-21
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have an account with regions bank and I am being charged excessive withdrawals fee incorrectly. Whenever I contact them in regards to this, they do not want to credit this back to my account. I have also received discriminating remarks from there staff in the Florida area and North Carolina area. So I would like for this to be resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10457
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Please refer my previous complaint ( XXXX ). Finally, after a lots of follow-ups I was able to get my online access with not much help from Regions bank. But now Regions bank is giving me tough time to give my {$400.00} cash back bonus for which all the conditions are met except online account statement ( which i can not do because I had no online access for so long ).
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: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Around XXXX I submitted a request for payoff of my Regions mortgage. I received a confirmation and was informed I was good to go with my home sell. My home sell was scheduled for end of XXXX and was pushed back to XX/XX/2021 due to errors presented by the buyers lendor. I began receiving debt collection calls from regions and informed them OVER and OVER again that I had a payoff scheduled with them and that if I needed to make the payment for XXXX, then I would. I was informed by the regions customer support that it was not necessary since I was in the middle of a close-out so I didnt think anything of it until the phone calls kept coming and kept coming and each time I had to inform a new individual of the SAME information I told the previous 5 employees. Each said the same thing and told me not to worry about any more phone calls yet I did receive them. Now my home is sold, the loan is paid as I explained to Regions OVER and OVER again, and now I have a delinquent payment on my credit. I demand this be removed or I my attorney will be the next to handle this situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2021-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: An unauthorized transaction was made on XX/XX/XXXX for {$1500.00} on one of our debit cards even though the card has never been lost or stolen. Regions refused to refund the transaction that was within 60 days of reporting because there were similar fraudulent charges that dated back to XXXX. The fraudulent charge in question was an XXXX charge, which is the most common retailer that we normally use so we didnt notice someone had our debit information because there was never a point where the card was lost or stolen. Someone has been using our card info to make small $ XXXX purchases at random times, so we didnt notice until a large purchase was made. Regions refused to follow the Electronic Funds Transfer Act because the first fraudulent charge was made over 60 days ago even though we are only disputing the larger {$1500.00} charge made less than 60 days ago. Their reasoning makes no sense because someone could easily make a {$5.00} purchase using someone elses information, wait the 60 days, then make a {$5000.00} purchase. The Act is written per transaction for that very reason. Regions is breaking the law by not following it because we didnt notice small charges on our account from a retailer that we always use.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33594
Submitted Via: Web
Date Sent: 2021-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I opened my regions account on XX/XX/XXXX. I dont have another bank account there. They only report account openings when a bank account is in your name. My credit report shows 2 bank accounts when I only have 1 bank account and debit card. Temporary cards are not reported to your credit so they must have opened an account fraudulently when they gave me a XXXX debit card. On XX/XX/XXXX a new bank account was reported.
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: 2021-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: The processing order in which Regions Bank chooses to process transactions causes the members excessive overdraft fees. I was charged six XXXX overdraft fees for one transaction that put my account in the negative. Regions is stating that there were 5 transactions pending when the actual transaction was completed that caused the account to go into the negative. I am not disputing one XXXX fee however I am disputing the five additional NSF fees, as my account did not truly have NSF, as all of the transactions had already cleared my account at the time of the one XXXX XXXX XXXX that caused my account to be overdrawn. Regionsprocessing order of transactions is not timely and there systems do not reflect pending transactions causing excessive overdraft fees. This is a known problem with Regions and I was informed that a new process was being put in place due to customer complaints. My account is over dra wn XXXX in NSF fees when only one trans action was made to cause the account to be with drawn. The total in my account today is negative XXXX. I made a XXXX XXXX XXXX on XX/XX/21 causing the acc ount to be negative XXXX. At the time of the XXXX the other 5 transactions that Regions is claiming caused additional NSF fees, were already clear in my account and paid out of my own balance. And that is reflected in the screenshots. All 5 transaction the bank is claiming were pending on XX/XX/21 already showed posted to my account. Furthermore the amounts of those transactions are not reflecting in the XXXX balance I owe outside of the XXXXs in overdraft fees. Meaning the bank never covered those charges due to my account being non sufficient. I dont not understand how I can be charged 5 nsf fees when the account was not non sufficient. Please help. I can not afford these fees and I do not owe the additional five fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-14
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I opened a business and personal account with this bank. I have deposited over {$10000.00} thus far without issue. I have been in business over 2 years without issue and with a B rating on the XXXX as well as a 4.9 out of 5.0 rating on XXXX. I have maintained a business with integrity and honesty. When I opened my account it was frozen for weeks due to a security risk from e-checks. I provided all documents to prove my customers are real, including signed contracts for each. I have included my {$75000.00} bond information as well as my registration with the department of Transportation and the federal motor carrier safety administration. The bank decided to freeze my account due to echeck and asked that I take ach payment. I agreed to do so and stopped all business while they set up my ach. They took several weeks, then told me to continue with echeck while I waited. They then said they would not allow me to take ach and I must stop taking echeck immediately. I gave the contact information for each customer including name email address and phone number for them to verify. I believe being a XXXX XXXX XXXX had been the main issue with me being blocked from operating. They claim because I have no business credit that they can not allow me to operate through their bank, yet Ive been over 2years in business even surviving the pandemic. I cant imagine how a XXXX XXXX XXXX would up credit to their satisfaction. They seem to have an issue with my particular XXXX and I truly fee its because its XXXX XXXX. I would advise any XXXX XXXX XXXX of any race to avoid this bank. Ive wasted over a month doing everything they ask, and putting my XXXX on hold only for them to make false excuses.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33619
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-13
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I AM AN XXXX YEAR OLD MAN WITH A SMALL REGIONS BANK SAVINGS ACCOUNT. I LIVE MOSTLY ON A SOCIAL SECURITY XXXX PENSION. I AM XXXX XXXX XXXX IN MY XXXX XXXX AND CAN NOT READ WITHOUT A BIG MAGNIFIER IN MY XXXX XXXX, WITNESS MY USE OF AJLL CAPS. I HAVE A RECENTLY OPENED SMALL STOCK ACCOUNT WITH XXXX. WITH MY XXXX XXXX BLOW UP FEATURE AND CAN MANAGE. RECENTLY I NOTICED THAT REGIONS WAS FINING ME {$12.00} WHEN I TRANSFERRED FUNDS TO MY STOCK ACCOUNT. XI HAVE NEVER TO MY KNOWLEDGE BEEN ADVISED BY REGIONS THAT THEY WERE DOING THIS. I GET NO HARD COPIES OF MY STATEMENTS. IT IS REAL HARD FOR ME TO TEAD ON LINE STUFF. I DO NOT THINK REGIONS HAS THE AUTHORITY TO TAKE {$12.00} DOLLARS FROM THIS OLD SICK MAN EVERY TIME HE TRANSFERS & XXXX OR {$100.00} DOLLARS TO XXXX FOR HIS NEW GREAT DAUGHTER XXXX. IT SIMPLE IS UNREASONABLE AND UNFAIR.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2021-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-12
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: We have been under contract on a property since XX/XX/2021 and had an initial intended closing date of XX/XX/XXXX ( 45 days later XXXX. It is now XX/XX/XXXX, and we still are not clear to close which we are being told isnt even the final step in our mortgage process. We have had now 4 extensions to the contract and are on our XXXX day. I am filling this complaint in an attempt to get someone within Regions to take accountability for the fact that they are not being communicative to us, that the underwriters are dragging their feet, and that they have lost all credibility with the attorneys involved in the transaction. Regions committed to us a 45 day closing on an IHDA mortgage. They have violated our trust, misled us in the time it would take to complete things and repeatedly asked us to provide documents we have already provided. We have tried letting anyone on their side who will listen know that we need them to fulfill their commitment to us, but none of them seem to care except our direct contact. Our broker and attorney have also tried to work with Regions, for which the bank has been less than communicative or responsive.
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: 2021-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A