Date Received: 2021-03-11
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Statement of Events : On Thursday, XXXX XXXX at approximately XXXX to XXXX I received XXXX phone calls from the following number XXXX. As this number was not in my phone contacts, I did not answer. After becoming concern about who the number was, I re-dialed the number and it was answered by Regions Bank Fraud Department. After hanging up the call, the same number ( XXXX ) called back again. This time I answered the phone call. The male voice on the line identified himself as a representative of Regions Bank Fraud Department. He said he was calling me about suspicious activity on my Regions accounts. He proceeded to ask me about 2 charges on my account, stating that 1 charge was made through XXXX. I told him they were not made by me and that I didnt know what XXXX was. He continued to explain to me about XXXX and told me to hold on the line while he put a block on my Regions account and the XXXX account. When he came back on the line he asked me to check my phone for a text message and give him the text message code so he could block the XXXX account and I did. He said he had taken care of the problem and that I would receive an email from Regions to change my username and password. After several hours of checking my email, I decided to log-in to my online Regions Banking account. This is when I realized that the money in my savings account had been transferred to my checking account and 2 XXXX transactions were pending. The amount transferred from savings was {$590.00}, the first XXXX transaction was for the amount of {$900.00} and the second for the amount of {$550.00}. Leaving me with a balance of {$3.00}. As I did not authorize these transactions, I immediately called the Regions Banking Fraud Department. I spoke with a lady and explained the call I had received earlier that same day. After she investigated my account, she explained that I had been scammed by the person on the phone. She proceeds to lock my account and advised me to go to my local branch office the next morning to dispute the fraudulent charges on my account. On Friday, XX/XX/2021 I went to the local Regions Bank branch in XXXX, TN. The teller advised me to go to the Regions XXXX Branch in XXXX, TN were they could automatically issue me a new Regions Bank card. After spending several hours in the XXXX Regions Branch office my account is still locked and under investigation and I have no money. After filling a dispute of the transactions with Regions Banks, filling a claim, filling a police report, filling a report with the Federal Trade Commission, keeping in contact with XXXX XXXX, Financial Relationship Sr. Consultant at Regions through email, phone calls and text, closing all accounts, opening new accounts, ordering new checks and debit cards and going for 10 days with NO way to access cash or pay bills it is now XXXX the XXXX and I have never received a phone call, email or my almost {$1500.00} that was fraudulently stole from my account. I need help and results as soon as possible, please. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 383XX
Submitted Via: Web
Date Sent: 2021-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ... REGIONS BANK XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38119
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-08
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: deposited a check in my regions bank account. received bank documentation A notice of a hold until XX/XX/2021. Now the regions bank claims there's a hold till XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33444
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-08
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XX/XX/XXXX, i deposited my paycheck, XX/XX/XXXX, Saturday morning i checked my account i don't see my money at all, i checked thoroughly first for it before i did anything else, i went to the bank that morning when it opened, i talked with a bank teller she printed me a paper displaying that Nothing was deposited into my account, the amount is {$600.00} is my paycheck amount, so once i got home i contacted my bank she said the something then told me differently that i should wait until monday and it will appear in my account, also i into logging into the app and wrote my complaint it only said we see that you talked with an teller already the issue is there anything else we can help you with today. So monday is here monday, XX/XX/XXXX, and i still don't see my check. Only the money i deposited last night.l
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35242
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-06
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: My dad opened a home equity loan in XXXX to remodel a room. He paid it off that same year but left the loan open just in case. In XXXX, XXXX he asked me to close it for him. He was very sick and at that time, I had POA. I went to the local branch with all my legal papers to close. The customer service agent helped me close the loan. Dad died XX/XX/XXXX. 2 days later I get a letter concerning the loan which is obviously still open. I return to the same agent with death certificate and she sends it to the legal department. This continues every month. Each time I go back to the bank and make phone calls. We are selling his house, closing XXXX. This will hold up the sale.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35603
Submitted Via: Web
Date Sent: 2021-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-06
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: On XX/XX/2021, I opened a checking account with Regions Bank XXXX, SC. I gave them a check from a local bank for {$1500.00}. I was given a Debit card which the banker said was good now. When I tried to use it that night it was declined for a {$.00} senior drink. I called customer svc but closed. Called next morning and was told there was a 10 day hold put on my check and the local bank did it. He said the Main ofc did it. He released the hold. My daughter, an attorney, said it is against the banking laws to put a hold on a local check.Then the main bank in XXXX, AL sent me an email and regular mail letter saying they put the hold on the check because " they had confidential information that the check may not be paid ''. The bank on which I wrote the check said they could not get that information. I talked to the Branch Mgr of the XXXX XXXX and he gave excuses why they put the hold.on. I had enough in my account to pay that check and it was paid that night. I want something to be done so they do not break the law again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2021-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2021 I was contacted by a person who identified himself as a representative of the Fraud Division of Regions Bank which showed up on my phone as regions bank calling, therefore, I believed that this was a legitimate call and proceeded to follow his instructions which was that fraudulent activity had been detected on my account and in order to stop any money from being taken from my account that he would send me a text message with a 6 digit number that I would relay to him to authorize and assure that he was speaking to the owner of the account. I did exactly what I was instructed to do but was unaware that I was actually authorizing him to withdraw money from my account. I am XXXX years old and on a fixed Social Security Income and {$990.00} stolen from me causes a real hardship. I have attempted to work this with Regions Bank but they believe that I was complicit in the action that took place. How did this person get my bank account number and my phone number which is a cell number which I have only submitted to Regions Bank?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70363
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: My checking accounts were accessed online on XX/XX/XXXX. Three transactions were created using the XXXX app. A total of {$4000.00} was stolen from both accounts. On XX/XX/XXXX -I noticed my cell phone wasn't working. I could not make any phone calls only send and receive text messages. After getting my phone restored, I went to my online banking to pay bills and was unable to access my account. My password had been changed and security question had been placed on my account, which was : Who was your first crush? So I called Regions Bank XXXX # automated service to check my balance and discovered I only had {$47.00} in my account. I immediatley called back to speak with a live person to report the fraud. The teller restored my account by verifying other information. Thats when she told me two transactions had already cleared. One for {$100.00} and the other for {$1900.00}. She also told me there was another one pending for {$2000.00} from my other checking account. She transferred me to the fraud department, which I was on hold over 40 minutes. Then a female answered, took my information, put me on hold, then hung up on me. I called back to the fraud department, held another 40 minutes or so, a man named XXXX came on, took my information and recommended I go to my bank and file a report with the branch manager. The next day, Saturday, XX/XX/XXXX. I met with XXXX XXXX Branch Manager, Vice President, XXXX XXXX Branch XXXX He took my information and recommend I file a police report. On my way home from the bank I called the XXXX XXXX Sheriffs Office, they sent two officers out to my home. I gave them my statement, and filed the report, case # XXXX. They turned my case over to Detective XXXX. Det. XXXX called me and said the phone number that was linked to the recipient of the XXXX account was used 4 or more times and was unlikely to be caught. He would have to turn this case over. My complaint is my bank, REGIONS BANK and XXXX has refused to restore the {$4000.00} that was taken from my account. I did not authorize XXXX to withdraw any money from my account and I want to be reimbursed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32073
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-03
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Since being a customer with Regions for the past 14 years I have been charged an excessive amount of NSF fees based on an unfair methodology used to calculate said fees. The method used by Regions to calculate their NSF fees is unfair. The most recent situation has allowed for Regions to charge me three ( 3 ) NSF fees on a positive balance of {$28.00}, as shown in my online banking.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-03
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for a conventional home loan from Regions Bank d/b/a Regions Mortgage and was denied. My credit scores were XXXX respectively from the top three reporting companies at that time. I was paying a 20 % down payment. I had assets greater than the cost of the {$130000.00} loan being requested. I had money in our bank accounts covering multiple months of payments, even after making the down payment and closing costs. I had a fulltime secure job with XXXX XXXX in Tennessee and reassured the bank I had no intentions of quitting until I secured a job in Illinois. Due to COVID-19 restrictions, XXXX was allowing all employees to work from home indefinitely. I did not have to work in Tennessee to complete my traveling job responsibilities as a construction manager. We had already sold our home in Tennessee and we were planning on buying a home in Illinois in preparations for the future job offer. I had an apartment in Tennessee while my wife was living in Illinois with a monthly hotel rental that was less expensive than renting an apartment and paying utilities. My income alone covered the monthly cost of both my living expenses and my wife 's living expenses, in addition to being able to pay a mortgage monthly. I was waiting on a hiring letter fro the State of Illinois at the time of the loan application and re-enforced to the bank that I would not leave my XXXX XXXX job until I received the official offer and start date from the State of Illinois. The bank refused to give me a loan until I received and started a job in Illinois. When we attempted to use my wife 's 30 years plus self-employment income and credit instead, they also refused us a loan stating that she was not making enough income to cover the mortgage and living expenses. Expenses and a mortgage being covered by my salary alone without her salary. My wife 's credit scores were XXXX respectively from the top three reporting companies. XXXX, Illinois is known for redlining and segregation and recently the XXXX XXXX drafted a statement promising to provide better inclusion and equity to those seeking to own a home in XXXX. We ended up having to take money out of my retirement funds, paying early withdrawal penalties in addition to the taxes, in order to close on our home and buy the property in cash. Regions Bank took too long and in providing both loan refusals and we had to move our closing date once as a result and had to wait on the transfer of retirement funds. Please investigate Regions Bank and the history of their loan practices, especially for people of XXXX in XXXX, Illinois.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62704
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A