Date Received: 2021-02-04
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Continued phone calls from Superfleet collections with the intent to harass and annoy and to tie up phone line. They call from XXXX. They called yesterday and I provided payment information to 4 different people yesterday. The last person I spoke with yesterday told me the account would be noted and that the calls would stop. Today when they first called, I explained that I had spoken with them 4 times yesterday, and provided them the payment information 4 separate times. I asked for them to cease and desist calling. The lady laughed at me and said the calls would continue and she hung up on me. I called the number back and asked to speak with a supervisor and a gentleman refused, spoke over me, and said they would continue to call until the payment was received. I have received five phone calls today from XXXX - XXXX XXXX. One time they actually called using two different lines at the SAME time. I then called the XXXX number to file a complaint. I spoke with a supervisor at Superfleet and then also to the cancellation department ( account was supposed to have already been cancelled ). The cancellation department ( XXXX XXXX ) informed us that they were aware of NATIONWIDE mail delays from the United States Post Office and this was happening all over. However, they continue to harass and charge exhorbitant late fees to their customers - even customers like us that have NEVER been late on a payment and pay their account in full each and every month. We asked them to ensure that the calls do not continue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a Regions Bank CC, but I had not used it in over a year until a recent charge. When I was actively using the card, I always received an email notification of a pending bill/statement ready for review. I often received a bill via US Mail as well. I did not sign up for 'paperless ' service ; but the company stopped sending me bills. They continue to send me promotional items regularly, however, and I have received several letters from them in the US Mail AND in emails this year. Recently, I was surprised to receive an email informing me that I had missed a payment that resulted from a newspaper subscription renewal, which I originally signed up for in XXXX XXXX ( my last 'intentional charge ' on the card ). Prior to receiving the notice that my bill was past due and that the amount due now included a {$25.00} late fee, I did not receive any email or other notification that a bill was pending. Upon learning of the charges, I immediately paid the full amount of the subscription service ( {$54.00} ) and then requested that - in light of the Bank 's failure to notify me of a bill, as well as the nature of the charge - the Bank removed the late penalty. So far, the Bank has refused. I sent my request via the Bank 's internal 'secure email system ', although difficulties with the system have been a great impediment to communicating with the Bank XXXX In a 'regular email ' ( sent thru my XXXX address ) to me on XXXX XXXX, the Bank acknowledged problems with the system, writing " Our programmers are working to fix the problem. We do not have a set date for these updates. Im sorry for any inconvenience this issue may cause you in the meantime. '' In the same email, the Bank wrote that " Security is very important to Regions. That is why we can not provide any account sensitive information through normal email. We can not vouch for the security of individual email providers. '' Further, in another email, the Bank wrote that they " can only refund late fees if the Bank is in error ''. I have explained to the Bank the error that was made on their part, and expressed my disappointment in their refusal to remove the late fee, as well as their dishonesty regarding their ability to remove the fee ( ie they obviously CAN, but are CHOOSING not to ). The bank has not responded to my email in any substantive way except to say that there is a 'message waiting for me in their notification center '. I am not inclined to spend anymore time searching for this on a website that doesn't work properly, I can see that the {$25.00} fee remains. This is the sum of my balance, and - for obvious reasons - I now wish to close the account and cease doing business with the Bank. Thank you for your assistance in helping me to close this account and settle this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76126
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My phone was hacked by someone posing as an XXXX technician on XX/XX/2020, he got into my phone and took passwords out of my notes. He indicated, my phone was hacked and my bank account was being robbed of funds. He then asked me to download two applications and hung up. I began getting notices that this guy used my banks XXXX account and transfered the funds into my XXXX XXXX and then he tried placing the funds into XXXX at which XXXX stopped the transaction and wouldn't let it get to my XXXX XXXX XXXX denies and wrongdoing neither have they made this right. This was a government check and to think I would actually give this XXXX XXXX employee or even XXXX XXXX Himself my banking info is ridiculous and obtuse. The mans name is XXXX XXXX, he took {$430.00} out of my Regions Bank Account. I have many documents to prove this as well as a police report and I also contacted the FBI. Regions Bank has turned down my request for an investigation twice claiming it is " my fault this happened ''. This was an unemployment check from the state of Florida I had been waiting for for weeks. I have spoken with Regions Bank associates XXXX XXXX from the XXXX Indiana Regions Bank as well as Mr. XXXX XXXX from the XXXX location branch in XXXX, FL. are the only two people at Regions bank who has a heart to help me get my funds back at which XXXX " XXXX XXXX XXXX '' refuse to even investigate. The whole thing is a nightmare. Its fraud and waste and I want to know if XXXX XXXX didn't get the funds through XXXX and if the funds weren't in fact placed in XXXX ; where is my money? Can anyone there help me? I made a police report with The XXXXXXXX XXXX Ohio Police Departments Officer XXXX. Hackers can get through your phone and steal valuable information ; their thieves and in my opinion Regions Bank are no better!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43512
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-02
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Over the past couple of months my business ( fleet ) credit card for gas purchases has fallen victim to a number of fraudulent charges that have posted to our account. The fraud protection system that the card uses flagged these as potential fraud and emailed me to confirm or deny the charges. In every instance I have responded that the charges were not authorized, and the card company blocked the compromised cards and issued a new one. When I received my statement I noticed that we were still charged for the fraudulent charges despite reporting that they were not authorized. I called the credit card provider earlier in XX/XX/XXXX and was told that even though we already reported the charges as fraudulent that we still had to submit a transaction dispute after the fact. I submitted disputes for 4 charges on XX/XX/XXXX and 2 more on XX/XX/XXXX. For each of those disputes I received notices back a week later stating that we will not be credited back for those charges because we have more than 10 cards. Today I have submitted disputes for 3 more charges and I have 3 more to dispute, but the card provider 's website seems to be down. I expect that the responses will be the same as those I have already received. Since the beginning of XXXX we have flagged {$1300.00} in fraudulent charges that the card provider has not credit back to us. Dates and amount of those charges are as follows : XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$150.00} XX/XX/XXXX - {$86.00} XX/XX/XXXX - {$86.00} XX/XX/XXXX - {$80.00} XX/XX/XXXX - {$74.00} XX/XX/XXXX - {$74.00} XX/XX/XXXX - {$74.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33442
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The # is XXXX XXXX a landline in Alabama giving an XXXX saying that they are Regions Bank attempting to collect a debt. I have NO accounts with regions and even called them gave them the # which keeps leaving messages even though the # is blocked. They have reported this to their fraud department. I owe NO debts to anyone!!! I haven't called either of these # 's back as I know this is FRAUD!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33189
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-31
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: REGIONS MANAGEMENT FABRICATED REASON FOR ILLEGAL ACCOUNT FREEZE. In XX/XX/XXXX, I updated my mailing address on the Regions website. Shortly thereafter, XXXX. XXXX emailed me claiming that they need my physical address ( even though they already had it on file ). I replied to her w/the requested information. Two days later, she replied that since my DL on file has expired, she needs my updated DL too. [ Note : This policy/rule does NOT exist anywhere in Regions literature ]. I then received a letter dated XX/XX/XXXX ( attached ) stating that 60 days from the date of the letter, my account would be closed if this isnt resolved. Unhappy with Regions handling of this, I proceed to make arrangements to open a new bank account elsewhere. Two days after I transfer some money from my Regions account to my new bank account, Regions froze my account due to fraudulent check writing!!!! XXXX XXXX and XXXX fabricated this reason in order to lock me out of my account ; this was retaliation for choosing to switch banks instead of complying with their made-up rules. I visited a Regions branch on XX/XX/XXXX and spoke with the manager, XXXX XXXX, to resolve this. She said only the back office can unlock the account and theres nothing she can do. However, the XXXX rep I spoke with said ANY branch manager can remove the freeze. I am being given the run-around. There was NO suspicious activity on the account and therefore, should've NEVER been locked.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30134
Submitted Via: Web
Date Sent: 2021-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-29
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: In XX/XX/2020, addressed to me at my home address, I received a promotional mailing from Regions bank offering up to {$500.00} for opening a checking account with them and following a specific set of requirements. The promotional offer contained a a " personal code '' of XXXX. I performed the requirements on the promotional mailing and should have earned {$450.00} of the promotional offer. I took the following actions to earn the advertised promotional offer : -Apx XX/XX/2020 I opened a new checking account online and immediately enrolled in online statements. -I made a mobile deposit of {$1500.00} on XX/XX/2020. -I downloaded and logged into the Regions Mobile application -I waited more than 90 days to receive my bonus I have had communications with the Regions bank and they told me they were able to confirm that I performed all of the requirements ( with the exception of one requirement they were unable to confirm or deny that it was completed due to their system problems ). I was told that my case would be communicated to the Regions marketing department for review. I can attest that I have successfully completed the tasks required to earn {$450.00}. By now, I should have seen the credit applied to the account. I believe the bank is trying to avoid paying this promotional bonus to me and sent the promotional offer in bad faith. I have a copy of the promotional mailing they sent to me available for reference.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38017
Submitted Via: Web
Date Sent: 2021-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-27
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I've had and account with Regions Bank for almost 3yrs. I took out Pay Day Loans due to the Covid-19 because I couldn't work companies were down sizing. I went into to the Regions Bank on XX/XX/2021 t close out my account. The Tailor assured me my Account would be close and gave me the receipt with {$00.00} balance. I'm under the impression my Regions Bank account was closed until I receive a thank you for your patient. When I went back Regions the Branch Manager advised me the only way they can close it has to have {$00.00} balance. I wasn't told that if something came through within 24 hours it could reactivate the account. To day I'm overdrawn by {$630.00}, the Branch Manger was no help at all. I'm asking my Bank Account to be CLOSED IMMEDIATELY that all I want. I'm not looking for in Monetary just for this account to be closed. This is affecting my future credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63033
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Company is reporting a loan that has been paid off. Company has accessed my report without my written consent. Company is ruining my reputation. Company is reporting a false address. Company is in violation of multiple offenses of the Fair Debt Collection Practices Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30813
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-25
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Regions Bank is charging on my personal and business accounts multiple times fees, the first is fees for overdraft payment and then a couple of days to a week later will return these payments they authorized and charged these fees to, not returning the fee also, but when they return the payment they charge a return payment fee, This is wrong as for each transaction they are making {$72.00} in full and should only be making {$36.00}. They also ignored a letter from my law firm on this. Also, on my business accounts, they promised if I went through their merchant processor they would not charge me a monthly fee for my XXXX Account. I agreed and signed up with their merchant XXXX XXXX, who had all the information, on the application, but canceled after running my credit and approving me for multiple accounts and making compliance a mess, and trying to force me to pay fees for a service they are supposed to provide by law and have charged me big fees, on one of my accounts, up till cancelation, but also Regions never waved their fees as promised. XXXX shortly after issuing the accounts ended up closing all the accounts because on one of my companies sites and only one that site I offer credit repair and they say they can not process for any company that offers this even if the credit repair service would never be charged through the merchant account, and XXXX did not just close the accounts per that one company but all accounts for all companies. This also would constitute Identity fraud as this was known before the credit reports were run, and from the start. Also, regions have looked at my credit several times when trying to get a line of credit for my XXXX and always denys because my student loan balance is what it is and I am not having to make payments because of still being a student for 2 to 3 more years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38632
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A