Date Received: 2021-04-09
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: From XXXX - 22 fraudulent transactions were drawn from my account. On XX/XX/XXXX I filed a claim to dispute these transactions with extensive documentation. I was told repeatedly that " someone will call you back '' when calling over the next 4 months to try and figure out what the status of the claim was. No one ever spoke with me. On XX/XX/XXXX I spoke with an associate at a local bank branch, who acknowledged that NOTHING ever occurred with my claim. I was provided a provisional credit for the disputed transactions with the reassurance that the case was now being " properly dealt with. '' That provisional credit was removed from my account this morning with no explanation as to the status of my claim or status of the case. The bank is now claiming that over 50 pages of documentation containing personal and financial information I sent several times, proving my case has been lost or never received. Today alone I have been on the phone with the bank for four hours being constantly transferred between departments who either " don't see that the claim exists '' or " can not find the case '' or flatly hanging up because they don't want to deal with resolving the issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37206
Submitted Via: Web
Date Sent: 2021-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-09
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, at approximately XXXX XXXX, four transactions totaling exactly {$5000.00} were deducted from our joint checking account at Regions Bank ( Regions ) and paid to persons unknown to us. The transfer was made through the XXXX system, a partner of Regions. Just days prior to this event, Regions had announced the completion of a major upgrade to its security system that would enable the bank to better serve and safeguard its customers. The transactions were all posted as pending. Other information for each is : XXXX - XXXX record number XXXX to XXXX XXXX in the amount of {$1000.00} ; XXXX - XXXX record number XXXX to XXXX XXXX XXXXn the amount of {$1400.00} ; XXXX - XXXX record number XXXX to XXXX XXXX in the amount of {$1300.00} ; and XXXX : XXXX record number XXXX to XXXX XXXX in the amount of {$1300.00}. My husband and I have never set up an account for XXXX services as part of our Regions online transaction account. To the best of our knowledge, we have never had a XXXX account associated with any accounts we may have, or have had, with other banking institutions. However, in the little information that we have been able to obtain from Regions ( see attached Article 1 handwritten note from Regions employee in XXXX ), its records indicate that a XXXX account was set up on XX/XX/XXXX. As best we can tell, this account was not used until XX/XX/XXXX, at which time another email address was verified for the account : XXXX. This email address is unknown to us, and we were only made aware of its part in this fraud weeks later. Prior to the XX/XX/XXXX date, our personal information was stored on Regions computers and accessible to an unknown/possibly unlimited number of people associated with Regions, XXXX, and/or any computer security contractors/employees associated with Regions security upgrades.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 728XX
Submitted Via: Web
Date Sent: 2021-04-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Regions Bank is saying that I owe on a loan that I never took out this loan was opened when I was XXXX on a XXXX XXXX for over a year I never signed or opened a loan at regions Bank regions Bank can not produce a paper showing my signature I have asked for it numerous times I am in the process of getting a lawyer and a lie detector test to prove that this is not my loan I will be taking regions Bank to court and Sue them for my lawyer fees and my light detector test regions bank has not believe me I have tried to tell them numerous times that this was not my loanthe only way I know to prove this is to get a lie detector test and make regions Bank pay for it to prove I never opened this loan this is not my loanI need this removed from my credit reports today or I will be filing a lawsuit in which regions Bank will have to pay my lawyer fees and for the lie detector test result I present in court
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: 2021-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Regions Bank claims that I have a loan I took out with them this happened when I went overseas for a year I never took out a loan with regions Bank I have tried to correct this problem with them several times they will not change it on my credit report I did not apply or sign for a loan with regions Bank they are unable to produce a signature on this loan I am hiring a lawyer and also going to get a lie detector test and bring the results to the hearing when we have a hearing on that I am going to charge regions Bank with all lawyer fees and the lie detector test this is the only way I know that they will take it off my credit report they accuse me of opening this account when I did not open it regions Bank will be responsible for any lawyer fees and the lie detector test to prove thate I did not take out this loan
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: 2021-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In XX/XX/XXXX, Regions Bank sent me a check for {$100.00} which was not due to me. Since I knew the check was not due me I did not cash it. Recently, in XX/XX/XXXX, I received a collection letter from Regions Bank stating that I had an outstanding balance of {$100.00}. I then called the phone number provided on the letter and explained the situation to the representative show stated the situation would be resolved. I then received another correspondence stating I still owed the {$100.00}. I called Regions again and spoke to 4 different people attempting to resolve the issue. I finally talked to a representative named XXXX XXXX who suggested I cash the XX/XX/XXXX check and then mail the {$100.00} back to Regions. Even though I did not like this idea, I was willing to try it as I was getting no where with the Regions representatives. My bank did not accept the check because it is stale dated. Since then I have emailed XXXX XXXX 3 times on XX/XX/XXXX, XXXX, and again on XXXX. He has not responded to me or acknowledged my emails to him. As such, I have informed him that I would be filing this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 299XX
Submitted Via: Web
Date Sent: 2021-04-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-07
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I have been trying to get my home refinanced with Regions Bank since XX/XX/XXXX and I continue to get the run around. I have provided them with all the information they asked for within 48 hours of asking but I still haven't gotten my home refinanced. hey continue to stall using all kinds of excused from COVID-19 to employees resigning but I still haven't gotten a loan. They are going into my bank statements, questioning my spending habits and asking why I am spending money on different things. I don't believe its any of their business how, when and why I spend my money and I believe that is a direct violation of my privacy. I also don't believe they do it to anyone else. I believe there is some discrimination going on here. I want to know and see if they do this to everyone that applies for a loan from them. I don't believe that they do. I have a hard money loan with a balloon payment that is way past due. Dealing with Regions bank has caused my incumbent lender XXXX XXXX XXXX to accelerate my note as of XX/XX/XXXX. They have put my house up for foreclosure and auction as of XX/XX/XXXX. Now I have Regions Bank asking for my mortgage history for the third time after I have already supplied it to them. They know my note has been accelerated and I am not allowed to make monthly payments as of XX/XX/XXXX. That means I got late payments now and they can withdraw my application. They are trying to force me to sign a document that would give XXXX my loan information. Then XXXX will publish that information with the credit bureaus and this will ruin my credit. I asked them several times will this get reported to the credit bureau 's and what is the ramifications of signing that document and they won't tell me. I gave them two different payoff docs from XXXX XXXX showing what my payoff is and they won't accept it. I have a loan with a hard money lender because I don't want that information on my credit report. I should not be forced to supply it to a third party vendor like XXXX. That is wrong and I believe it violates my rights. I wouldn't have any lates if they would have processed my loan in the 90 days that is customary. They are just looking for a reason to cancel the loan application. It is not my fault and all theirs and I want something done about it. I believe they have really crossed the line with discrimination when it comes to this application and the use of the Dodd Frank Act and I want something done about it. I would like for you to look into my issues and make them prove that they treat every borrower the way they have treated me. I find it hard to believe that they give everyone this complete run around and everyone has to wait 7 months or more to get their refinance loan processed. Especially, when Regions Bank already has a active HELOC in place on the home with me. By the way, I have never used the HELOC. Regards, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77004
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On or about XX/XX/2021 Regions Bank closed my checking account for being overdrawn over 60 days which they caused to be overdrawn by excessive fees as I live and reside in XXXX Mo and we don't have a atm here and closest atm or branch is in XXXX MO or XXXX MO over XXXX away! They also never notified me in any form they would be closing account. I was suppose to receive direct deposit from Mo Unemployment XX/XX/2021 which was rejected! Therefore their actions caused me economic harm by putting me into a economic hardship during COVID-19 pandemic.
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: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My check was stolen in the mail. the party that stole the check altered it. I have filed a report with the bank, postal inspector, my local police department and the local police where the check was cashed. I am pursuing legal recourse on this matter. the check was altered for more than it was written for. I have been in contact with my bank several times to return my money. they are dragging their feet on this issue aand i need it resolve as of my money in the bank. They said it could take up to 30 days to receive my money which is absurd. The bank in question is Regions XXXX Ms . I really just want this bank to know that this is complete garbage and so other people know to boycott regions. It's one thing if I hadn't pursued legal action. I could understand a waiting period but since ive given them all the reports and they are still hesitate to give me my money back is not right ...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38655
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/2021, I made a check payment that left my account with XXXX positive balance. The bank charged me a 36.00 overdraft fee that they can not, to this day, explain. XX/XX/XXXX XXXX XXXX XXXX ONLINE PMT {$370.00} {$16.00} When questioned, they replied that since I had another debit, one that didn't trigger a fee, come in at the same time, they could charge me the fee, even through my account had a positive balance after the check cleared. I responded by requesting the account be closed, and they refused to close it. TO date, I have requested the account be closed a number of times, as many as ten, and they STILL refuse to close the account. I went as far as to lock the debit card, and they are still allowing charges even on the locked account, and charging me fees. Now, they are resorting to threats.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 425XX
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-05
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: As of today, Monday XX/XX/XXXX, I have a double charge of {$75.00} against my Regions Bank debit card from XXXX. I called XXXX about the transactions and they informed that there was only one charge of {$75.00}, not two. They told me to contact Regions about the double charge. I went to Regions Bank, XXXX XXXX XXXX XXXX XXXX, TX XXXX. The lobby was closed and this was during normal business hours. I went to the drive in window and asked to speak to the manager. She came and informed me that the charge was pending and that there was nothing she could do until the charge cleared. In other words {$150.00} is tied up for a {$75.00} sale, until the bank clears the charge. I find this totally unfair, that Regions is tying up {$75.00} of my money. Also, I find the manager very unhelpful, because all she kept saying was that as long as the charge is pending there was nothing she could do. She acted like a robot in her answers. She was pretty cold to the fact that there was a double charge. I find her behavior and the bank 's policies to be not very customer friendly. Can something be done about this policy? Thank you in advance for your help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77008
Submitted Via: Web
Date Sent: 2021-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A