Date Received: 2021-06-20
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: On XXXX at XXXX AM, I called Regions Bank teller, XXXX, and informed her that five fraudulent checks had been processed and paid in my medical practice account. I was put on hold for 18 min. and the teller never came back on the line. I called the bank branch 's alternate different phone numbers and there was a busy signal all day, on all the lines. The signature on the checks was not mine. My signature was not forged. There was a different name I did not recognize on those checks. Also, the check numbers were grossly out of sequence. I also sent an email to the XXXX XXXX, XXXX XXXX, on XXXX, to alert him to the problem. No return phone call. I have been a customer of the bank for 39 years. The next day, XXXX ( Weds. ), another 20 checks with signatures that were not my name were processed. I was out {$7800.00} due to fraudulent checks, not including bank fees. I went into the branch that day and informed the branch XXXX that I needed the funds stolen to make payroll. I asked, when could I expect a refund of the theft and bank fees. The XXXX XXXX opined that it might take at least 15 days. He opined to my wife, my office XXXX, that we ( myself & my wife ) were the most likely suspects as perpetrators of this theft. At first, Regions Bank wrote that no credit to my account would be forthcoming ( see attached ). I contacted my lawyer who contacted the XXXX XXXX for the bank in XXXX, AL. This resulted in a provisional credit being issued. The bank XXXX was flabbergasted. In discussions with other Regions Bank bank personnel, I was informed that this type of theft occurs regularly. When I tried to obtain results of the banks efforts investigating this theft, even over a year later, I was informed that this information will not be shared with me. I did file a police report with the City of XXXX XXXX police. The investigation was opened and closed w/o discovering a perpetrator. On or around XXXX, I was told that my Regions Bank account of 39 years was being closed. I asked why. Various bank officers said they did not have to give a reason. I would like to know why the bank 's computer program that verifies customer 's signatures did not identify a problem-for two days running. Why the check numbers, being wildly out of sequence, did not raise a red flag, for two days running. Why I was hassled with two accounts, which at times required over an hour to transfer funds. Lastly, why did I need to retain a lawyer and pay legal fees to obtain the funds timely that were stolen as a result of the banks lack of controls and oversight. My legal expenses and my own personal time lost should be covered by Regions Bank. Finally, has Regions Bank identified the perpetrator and solved this allegedly recurring problem?
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: 2021-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: BE ADVISED REGIONS BANK you have been sent the following Notices in relation to your attempts to collect alleged debts NOT owed to you ; Debt Validation Notice, Freedom Of Information Notice, Cease and Desist and Billing Error Notice. You are attempting to collect alleged debts from me ( a Federally protected consumer and not a customer ) without any authorization or authority to do so. You were previously sent a Notice of Opt out to prevent the sharing of my nonpublic personal information to Non-interested third parties and you have chosen to deliberately ignore this notarized notice and ignore demands made that you are required to follow pursuant to Federal Law and The Gramm-Leach Bliley act 15 USC 6802. You are exhibiting Unfair Debt Collection practices in your attempts to collect this alleged debt violating 15 USC 1692 and are not maintaining business practices consistent with the Truth In Lending Act 15 USC 1601 nor the Fair Credit Billing Act 15 USC 1666. You are Required by law to adhere to these regulations and maintain business practices consistent with these laws also including your requirements to have business practices consistent with Generally Accepted Accounting Principles pursuant to 12 USC 1831n. Your hostile actions lead to violation of the law and your oaths to maintain these practices in your business dealings. I am demanding all of the information be sent as required pursuant to the aforementioned laws and those clearly and conspicuously shown in the attached Notices. As a consumer I have a right to privacy and you MUST respect that right, I have a right to demand how my personal, private and confidential nonpublic personal information is used and restrict its use as I see fit. ANY act going against my direction or consent in relation to ANY Nonpublic Personal information is a VIOLATION of my rights. You have chosen to remain willfully noncompliant with federal law and conducted unlawful practices in not only using and sharing my private, personal and confidential nonpublic personal information but also with regulated debt collection practices that you are REQUIRED to follow pursuant to Federal Law 15 USC 1692. As congress has stated You are a debt collector pursuant to 15 USC 1692a ( 6 ) and your adherence to this Federal Law is NOT optional. In my attached Notices I have demanded several original documents ( NOT COPIES ), if your claims hold any merit you will have no problem providing this documentation. This demand is NOT a request and is NOT optional you are REQUIRED pursuant to the Freedom of information Act 5 USC 552 to provide ALL the information that was demanded the EXACT way it was demanded. Copies can be deceptively furnished and will therefore be rejected and any submission not in compliance with these demands will create exhibits that prove that I do not owe you any alleged debts. As the original creditor and consumer involved in this alleged debt I am demanding you comply with the demands in these attached notices, I will not hesitate to pursue further litigation to enforce the protection of my consumer rights if need be. Without this demanded documentary evidence that I owe any alleged debt your practices are inconsistent with 15 USC 1692 and you will be held FULLY accountable your your WILLFUL NONCOMPLIANCE with federal law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32817
Submitted Via: Web
Date Sent: 2021-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I use Bill Pay through my bank to pay my mortgage, generally my account is debited the first of each month. On XX/XX/XXXX, my mortgage company called to say they never received my XXXX mortgage payment. I sent a copy of the electronic check, front and back to my mortgage co., they sent me a letter stating they did not endorse this check. I contacted my bank SEVERAL times, via emails, and phone calls, they stated the money had been withdrawn and processed and there was nothing they could do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77598
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I incurred 6 overdraft charges in one week With regions bank I went overdrawn twice but the bank each time stacked pending transactions in the most advantageous way to take the most charges possible they do the same thing every time so its not coincidental I told them I feel its fair for me to pay two charges I talked to them and they are not interested I feel this is a predatory behavior and needs to be checked Thank you XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63011
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Due to XXXX forbearance program regulations, its states that no late payment are to be reported to the financial credit bureau during this time covers forbearance period. I have a late payment on my report, I want removed because I am a victim of XXXX and legally should not have them there. Section 4201 of the Cares Act amends Section 623 ( a ) ( 1 ), of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ). Now, a furnisher of data to the consumer reporting agencies that allow its customers to defer payments, make partial payments, modify credit terms, or make other arrangements for its customers affected by XXXX should not report the account delinquent, but should continue reporting as current, unless the account was delinquent before Covid-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retro to XX/XX/2020.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33073
Submitted Via: Web
Date Sent: 2021-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Monday XX/XX/XXXX at XXXX XXXX I instant transferred my earnings from XXXX in the amount of {$100.00}. Overnight, my deposit has disappeared and my account has become negative. Regions intentionally removed my deposit to overdraft my account. I opt out of overdraft coverage so this scenario shouldn't be possible. I have to have an available balance to make any transaction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46227
Submitted Via: Web
Date Sent: 2021-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: The first thing I noticed was that the bank turned on my overdraft protection without my consent or knowledge. The 2nd they did was turn my virtual LOCKS via XXXX ON while my app was removed from my device and while I did not access the app, so that they fraudulently could access my card number and swipe it without my knowledge or consent. I had XXXX in the account after a refund of XXXX $ from XXXX XXXX. The bank then continued to swipe my card until there was XXXX XXXX left in the account. Me and a coworker watched as they continued to swipe the account into XXXX overdraft while the app was removed and XXXX was turned on to prevent theft. They did not protect my account and breached the contract when they breached my app and stole funds from my debit card. I want my XXXX returned.
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: 2021-06-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: There are five steps to submit your complaint : Step 1 : What is this complaint about? XXXX XXXX I paid my credit card off. Went to bed and forgot I paid it off and when I woke up i paid it off again the XXXX of XXXX. Step 2 : What type of problem are you having? The XXXX of XXXX I realized what I had done and called the credit card company and asked them to please deposit my money back into my checking account and was told the bank would have to do it and get InTouch with them Monday. Monday came and I went to three branches and never go an answer other than they have the right to keep your money for three days. Three days came and went and my bounced accounts kept adding up. Step 3 : W hat happened? I'm now up to about XXXX XXXX in insufficient funds, if not more by now. Step 4 : What company is this complaint about? My Checking account is with Regions Bank and my credit card is with Regions bank. Step 5 : Who are you submitting this complaint for? Myself, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 374XX
Submitted Via: Web
Date Sent: 2021-06-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2021 I reported a fraudulent transaction on our checking account to Regions Bank. On XX/XX/XXXX, I found that no action was in process and returned to the bank to complete a claim they then said was necessary to start action. After numerous calls, visits, and letters they finally issued a provisional credit on XX/XX/XXXX. As of this date, approximately four months since this was reported, no final resolution has been provided.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35405
Submitted Via: Web
Date Sent: 2021-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have Regions bank personal checking account. After opening account for so many days also I can not : 1. Login to online banking 2. NO ATM/Debit card PIN Calling regions customer service toll free # is around 45+ minutes wait and no success even after that. I have no idea why Regions make it so difficult for the customers to do something like this. Talked to Regions bank on XXXX XX/XX/2021. No success. They sent an email to reset the ID etc ... but nothing works.
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: 2021-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A