Date Received: 2021-05-05
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Mainly charges for overdraft fees or NSF OD fee for atm and check card transaction that I'm not opted into or enrolled in. I can give more details in phone interview but the latest as of today cost me {$130.00}. 4 NSF fees of {$36.00} each because of Regions paying charges from online debits to my Check card when I have specifically opted out and even asked a representative to place in my account a note that in the event of insufficient fund do not pay and then charge me the od fee as I cant afford it. Yesterday I spoke with the Branch Manager at the local regions in XXXX. GA and XXXX I believe is his name specifically told me he wish he could help but he can't even after I read him the policy saying that if I was not opted in then I would not be charged. I just sat back in his chair and laughed. I have sent emails to regions to no avail. Also, if I deposit money it becomes immediately available for me to use but if I do the next day Regions will post debits to overdraft account the charge a fee then post deposit. Even to where you can see a positive balance then a NSF OD FEE to put account in negative so the next transaction causes another of fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30701
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit reports it has been well over 30 days in I haven't received any investigation reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 71270
Submitted Via: Web
Date Sent: 2021-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I was supposed to get a {$400.00} sign up bonus and have not received it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33615
Submitted Via: Web
Date Sent: 2021-04-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have had an account with Regions for over 20 years. A Free account ; when I lost my job 5 years ago I was told as long as I had XXXX deposited into the account it would be free. I have been charged for this account {$3.00} and {$8.00} here and there for a FREE account. I have been with Regions for over 20 years ; this past XXXX they started charging NSF fees on pending transactions ; which I have never seen. I was always told that they do not do that in order to give you a chance to deposit money into the account. I went back and forth and every agent agreed with me, but because Regions put a block.. I was told no one could correct it even though they could see it was not my error. I finally filed a claim and the bank returned my fees after months of fighting. Finally my account went in the negative over a bank monthly fee. For the banks fee i was charged a {$36.00} NSF charge, and as long as I have had an account.. that has never happened even if I did not have the money to cover the fee. The young lady gave me the {$300.00} fee back, but I'm still left with the {$36.00} I told her I was closing my account because this is absurd. Now here we are again with Regions has been getting over on these fees since the pandemic. I am one of the ones that has been out of work due to the pandemic, and recently ill from XXXX. Here recently they charged me for XXXX NSF fee charges, but only XXXX item overdrafted my account. Then I was charged another {$72.00} for XXXX items that were covered by my deposit. I have a record that shows I had a {$440.00} deposit on the day they charged me the {$72.00} ; that should not have been. I'm still recovering and trying to stay on top of my affairs when I was sick.. still sick ... no compassion from the bank, and their ledger shows something different from what mine shows ; that they provide for me/consumers to see, but it's different so they can charge up these fees. I want my fees reimbursed and the block lifted from my account. Per your agents who said it's a bank error ; stated they could not do anything because of it. I feel like the block was out in for retaliation from a branch manager at the XXXX location, because I went above her. I just want my fees back and I will leave your bank because I feel they do not want me as a customer. Because of this ; it has put all of my bills out of sync with these fees they process as they want but differ from the ledger on online and app banking so they add what they want. So I will probably incur more fees because I didnt account for them adding fees when there is an actual deposit ... so if I incur anymore fees due to the current situation. I want those reversed as well
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: 2021-04-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. COMDATA-CREDIT DEPT Inquiry : XXXX. XXXX, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-21
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: From the transaction records money from the checking account is being used for purchases we are making with our pre -paid card so I am double paying
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 723XX
Submitted Via: Web
Date Sent: 2021-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2021 I sent from my checking account at Regions Bank, through XXXX app to friend whose account is at XXXX XXXX XXXX, the reason ( description ) I notated XXXX only because the I have two friends with same name and one is a childhood friend from XXXX living in the US specifically XXXX, Florida. The transaction left my account through the XXXX app, successfully, reached XXXX XXXX XXXX but was never deposited into the destination account. I have contacted, Regions, and initiated a complaint as the funds have not been credited back to me. The destination party has gone to her bank XXXX XXXX XXXX and has been told that they do not have the funds and that the funds were being held by OFAC. I am well aware of the sanctions US has regarding any business, or transactions with XXXX again, these funds were not going to the island they were going to a childhood friend from XXXX and the description was used to differentiate from another friend with the same name. After weeks of constant calls to my bank Region no one can tell me were my funds are or if they will ever be returned to me. XXXX XXXX XXXX has acted without any question being asked has just determined they were going to proceed in this fashion. I must know were the funds are and were they have been applied otherwise this is just pure act of vandalism.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33055
Submitted Via: Web
Date Sent: 2021-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-19
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: I was affected by the Pandemic and they offered me moratoriums and then they affected my credit. I have never stopped paying and have continued to pay as agreed after the moratoriums. The companies do not correct my credit even if they have sent proof of payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34786
Submitted Via: Web
Date Sent: 2021-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On our company Universal Premium Fleetcard statement dated XX/XX/21 there was a high risk transaction fee. Coincidentally we had received a notice dated XX/XX/21 that changed an account section called " High Credit Risk Account '' that I will include in the documents. When I called customer service about this fee the only information they would give me was an email stating that " the fee has been assessed due to low FICO ''. Now the terms of this state that our consumer credit score ( does not mention FICO ) as reported by a credit reporting agency utilized at their discretion can not fall below 600 ( this changed from 530 originally ). It also states that if it drops by 51 points or more in any 3-month rolling period that it could also trigger the high risk transaction fee. My complaint is that they should have to provide proof of this, not just send me an email stating our company has a low FICO. We do not pay for XXXX XXXX XXXX and we are not a high credit company. My issue is that this company can randomly charge this fee with no proof whatsoever of us failing to meet their terms. They should have to provide the data they are using because they should have to prove something that they set the terms for. This is not right.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28677
Submitted Via: Web
Date Sent: 2021-04-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On or about XX/XX/XXXX I was told by Regions Bank I do not get my funds that were wire transferred until next day XX/XX/XXXX as my account was unfortunately overdrawn by {$4.00} although I sold my house and funds were over {$40000.00} wire transferred now I have my XXXX kids and myself can't get a hotel tonight and bank said maybe they will be available at XXXX XX/XX/XXXX bank did not care I am in a hardship with no funds and kids who need to sleep and go to school on XX/XX/XXXX although they have my $ XXXX and this also being a national pandemic COVID-19 that is such a shame for a bank to treat a customer in this manner!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64804
Submitted Via: Web
Date Sent: 2021-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A