Date Received: 2023-11-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/ I received a text message from phone # XXXX stating REGIONS BANK N.A. : Did You Attempt A Transaction Of {$220.00} At XXXX XXXX, GA? # XXXX REPLY I/ ( YES ) Authorize ( NO ) Fraud, A Call Will Be Generated To You Momentarily please be on stand by After receiving the message I messaged back NO. Immediately I received a call from a regions phone # with a lady on the line named XXXX. She proceeded to ask me about some transactions that had occurred on my account that was not me being that this is a business account I DO NOT HAVE A CARD FOR THIS ACCOUNT. I ONLY WRITE CHECKS OUT OF THIS ACCOUNT AND PAY MY BILLS ONLINE WITH MY CHECKING ACCOUNT. I proceeded to log into my account with regions coming to find out there had been several charges on my account that said XXXX XXXX Deposit but it was not deposits it was money being withdrawn from my account. SEVERAL DAYS SEVERAL TRANACTIONS. Totaling an amount of {$24000.00} I have been round and round with Regions Bank and have got no answers to where my money went and no answers of when my money will be given back and not one phone call from Regions Bank to talk to me about what has happened. I have called Regions numerous times still getting nothing. This is a lot of money not just {$5.00} and I want my money back and some answers from someone of what is going on. I have opened a new account with Regions and have taken all security measures to prevent this from happening again now I need Regions to do their part and help me get my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX regions bank sent me a text alert about a XXXX charge for {$150.00} the text ask if I made this charge I responded no because I do not have a XXXX account. The bank then notified me that they cancelled my debit card. I then called the bank and disputed the charge as fraud on XX/XX/2023 They then denied my dispute saying I needed documentation from my XXXX account showing I didn't make the charge but I can't show documentation because I do not have a XXXX account. I contacted XXXX they told me to dispute the charge with my bank. I have banked at regions for XXXX years and in that XXXX years there has never been XXXX charges because I do not have a XXXX account. This XXXX charge was fraud I never made that charge but regions is refusing to refund the money taken from my account because I have no documentation how can I have documentation from something I don't have. I do not nor have I ever used XXXX. I signed up for text alerts for extra security on my checking account but what good does it do when I respond that it isn't me making a charge and they refuse the dispute. This charge was fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: In XX/XX/2022 i made a {$5.00} charge. The Regions credit card account had been on automatic payments for an unknown period as the card was not used but a couple times per year. Regions service failed to make the payment, with multiple agents disputing I had set up auto payment or that they even offered the service. I was out of town for work for several months which is why automatic payment is beneficial and I did not get the subsequent late notices, which are ONLY delivered via USPS, no electronic billing options. Even to this day Regions denies automatic payments were set up or offered. However, Regions sent an apology letter admitting the service was offered, I did set it up, and Regions service did not work as expected and failed to make a payment to my credit card. They also refunded the late fee. However, they refuse to submit a credit report correction or respond favorably to the credit disputes submitted by me, resulting in the only late payment on my credit history for over 7 years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75093
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX I was attempting to make a purchase from XXXX XXXX. I did not know that the website I was using was a scam and fraudulent. I found out after the fact. While placing the order I was signed up for their " rewards club '' ... I set it up using my email and a password. My mistake was that I used the same password that I use for my XXXX. I wanted to call the company about the order and was not able to find any valid contact info. Every email I sent was returned with a message saying it was not a valid email. There was not a good number and when I called the legit XXXX 's I was told about the scam. I XXXX it and got a hit instantly that the website was a scam and was not affiliated with XXXX 's at all. When I disputed this transaction with the bank, they would not help me and asked me to contact the company ( Really??? ) and have them give me something in writing that they were not going to refund my money. # 1 I have no contact info. # 2 It is a scam! I did file a dispute and called Regions. The first girl I spoke with I explained to her that I thought I was on XXXX 's website. They used deception to gain access to my account information. My account had been compromised. The girl did not close my account. She did not turn off that card. Fast forward to XX/XX/2023 and I get 2 more charges on my account from 2 XXXX charges. So now I have the {$49.00} charge from the fake XXXX XXXX on XX/XX/2023, which got me a {$36.00} overdraft fee ... .then a {$96.00} XXXX charge on XX/XX/2023 and another XXXX for {$58.00} and a {$100.00} overdraft fee for those charges!!!! I call Regions, speak to a lady in the fraud department. The logic is pathetic behind why my claim was denied. First off, she tells me it is not fraud because I provided my info. Second of all ... .I never gave XXXX my card info to begin with!!! I tell her the definition of fraud includes using deceptive means to access my account for theft. That is exactly what they did. They deceived me for financial gain. She tells me to send a confirmation email from the merchant. I say ok, because at that time I knew I got a comfirmation from the merchant when it all happened. I log into my XXXX, and my XXXX was completely wiped out. I had absolutely no email. None. I knew that my email had be compromised too because I had over XXXX emails the week before when I logged in. I had emails from my son who had passed away that I kept for myself. Pictures of my son ... Those are now gone. I was livid. I changed my password on all my accounts because I do not know the extent of what they have compromised. The lady at Regions defended the first girl saying that I did not request the account closed. I voluntarily gave the merchant my info, so there was no fraud. I disagree. I want my money back. I want the late fees taken off. I should not have to fight to have my account protected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30121
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: My checking account was unsuspectedly frozen and I was requested to visit Regions bank to verify my identity and they would release the freeze and I will have complete access to funds. Regions have not done so. After the pain and suffering of not being able to access my funds I ordered Regions bank to close my account immediately and send the remaining funds in a cashiers check to the address listed on my profile.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I had tried to pay for my sprint account and I was actually XXXX cent short and ended up I had to pay both the bank and the phone company almost over XXXX dollars in fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 410XX
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On the afternoon of XX/XX/2023 I recieved a call from a person impersonating Regions Bank saying that my credit card had been hacked and we need to shut the card down. When speaking to this person they had all of my banking information and personal information, and they asked me to verify so we could deactivate the card, so I did. Once this person was able to access my account, they made XXXX XXXX payments out of my account for {$17000.00}, {$39000.00}, and {$42000.00}. I learned about this on the morning of XX/XX/XXXX simply because when i arrived at work my employee notified me that my phone number had been hacked. I found out that when i was speaking with the person impersonating the bank that they had somehow activated my call forwarding and all of my phone calls were going to that person. As soon as I realized the last person who had called me was from the bank, I checked my account and noticed these transactions and immediately called the bank to get them stopped. I spoke with the fraud department at the bank, and they assured me that they would have this resolved in a matter of a few days and that no other action was needed on my part including no need for a police report. After checking on my account multiple times a day for the next few days and not seeing my funds returned i went to the branch and spoke with them in person on XX/XX/XXXX. When I was at the branch the lady pulled up on her computer that my funds were not there, and the reversal of the transactions just came in that morning and that they had not showed up as of Saturday XX/XX/XXXX, she was not sure why they hadn't showed the reversal before that time but she just brushed it off and said that we should be in good shape now since it was showing there. After meeting with the bank in person a couple weeks had gone by and then i was called by the branch manager and i was told that I needed to get a police report filed because they are now classifying it as an identity theft case. I was angry with him because i had asked on the first day of learning about the incident and i was assured that I did not need to file once because they handle these things in house and i would be taken care of. I immediately went to the sheriff 's department and filed a report on June 26,2023. Since then, we have filed a subpoena for all of the information from Regions Bank and they were to reply within 15 days, on day XXXX they asked for a XXXX extension and the prosecutor granted that. that extension. That extrension came and went and it was a little over 2 months before they provided the information and once we had it the information requested was not in the subpoena.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 471XX
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Trouble during payment process
Subissue: Loan sold or transferred to another company
Consumer Complaint: Re : Excess Proceeds of Sale for Property at XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX This petition is in respect of the above subject against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Georgia XXXX XXXX XXXXRegions Mortgage The above mentioned law firm and Regions Mortgage refused to release the excess procced of my subject property which was foreclosed in the sum of USD {$5200.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The subject property was purchased vide Security Deed dated XXXX XX/XX/XXXX recorded in Deed book XXXX, page XXXX XXXX XXXX, Georgia but foreclosed by Regions Mortgage on XXXX XX/XX/XXXX. Request 1. Recovery of USD {$5200.00} due to me from the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Payment of interest at 5 % per annum on ( XXXX ) above from XXXX XXXX XXXX date 3. Penalizing the firm of XXXX XXXX XXXXRegions Mortgage for default We thank you for your prompt action on this petition Yours faithfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On or about XXXX XXXX XXXX XXXX a bank teller, and XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX, XXXX, MO branch. As a loyal customer of Regions Bank for the past XXXX years, I am appalled by the unprofessional conduct and denial of my request to withdraw funds from my checking account ( Account Number : XXXX ). This complaint solely seeks reason ( XXXX ) for the denial to withdraw funds from said check account and explains why XXXX XXXX denied the Complainant from closing said account that same date.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I contacted Regions Bank ( headquarters XXXX, Alabama ) on XX/XX/ to add a beneficiary designation to my account.. I've maintained my checking account with the bank for more than 41 years. I was told that in order to add a beneficiary designation to the account I would need to go into a branch office. I told the representative this was impossible, I live in Arizona, the closest branch office to me is in XXXX, Texas, over 900 miles away. They were very sorry, but there was " nothing they could do. '' Their answer is that in order to do this necessary thing, necessary according to my estate attorney, I would have to spend the money on an airline ticket, fly to Texas, take care of my business, and fly home. To be blunt, their answer is the thing that is easiest for the bank, not the thing that actually serves the customer. They insisted they have no other alternative. I find this impossible to believe in today 's fluid banking environment. I can take money from that account and wire it overseas, I can establish bank accounts in XXXX and never step foot in the country. Money flows through the economic system like water from a pipe and anyone paying the least amount of attention knows it. If Regions is truly this far behind in being able to do business in the modern economy then they have a problem. I spoke with XXXX account representatives, the intake rep and his supposed supervisor. The first account rep was named XXXX, the second, XXXX. When XXXX could not provide any additional information or relief for this issue - other than my flying to Texas I asked to speak to her supervisor. After being on hold for some XXXX minutes she came back and told me she couldn't find anybody above her who could " give me the same information. '' Those are her exact words and they pretty much told me everything I needed to know. At that point I told XXXX that I didn't need someone who would regurgitate the same useless answer, I needed somebody with authority to step outside of the script and help me with my problem. She put me back on hold. After XXXX minutes the call was ended with XXXX asking me for my phone number, ( information already in my account paperwork, so, whatever ) and she would " have someone call me back. '' Frankly, I am wondering if that will ever happen particularly since during our conversation XXXX told me that " no one in our higher leadership knows anything about these policies. '' As you might imagine I found that confusing. So I ask her, " are you telling me that the senior leadership of your bank doesn't know your bank policies well enough to understand or provide an alternate solution for this? Does that answer make sense to you XXXX? '' She put me on hold, again. I am sitting here seriously considering closing my account ( after 41 years ) and moving my business elsewhere. Which would certainly be easier and cheaper than flying to Texas to go to a branch office. But, mostly I'm thinking about moving my account because if senior leadership at Regions is indeed in capable of commenting on policies established by the bank that's sort of frightening and greatly erodes my confidence in their ability to continue to handle my money. To be clear, I didn't deliberately get myself in this situation. 41 years ago when I established this account it was not with Regions Bank, but a smaller chain in XXXX to which I had personal ties. That small bank was bought out multiple times until it became Regions. You would think that a financial chain with an appetite for eating smaller banks would have better procedures since they are buying banks with customers all over the United States. Many of who now live in places Regions doesn't have branches. You see, that small bank I originally had my account with is in a military town with XXXX of the largest military installations in the United States, a good number of their customers are people in the military. Thank you for your time and attention.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85614
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A