Date Received: 2020-10-29
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On XX/XX/2020 I was charged NSF fee even though there was enough money in the bank. On XX/XX/2020 I was again charged NSF fee even though there was enough money in the bank albeit there was a pending charge. On XX/XX/2020 I was again charged NSF fee on that pending item. So was charged twice for the same item. On talking with my bank they said it happened during processing so I would not be able to see where or how I was eligible for the NSF fee. This reeks of dishonesty and is definitely not transparency.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38701
Submitted Via: Web
Date Sent: 2020-10-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-28
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I am being charged fees everytime I receive unemployment without my account ever being negative. On two occasions the overdraft fees have place me in a negative balance. Regions is placing the withdrawals prior to deposits and never showing that you are negative or pending negative. Something is going on here, please investigate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30043
Submitted Via: Web
Date Sent: 2020-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-29
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Opened account on XX/XX/2020. Attempted to close the account on XX/XX/2020, but Region 's Bank refused and said it's not possible to close the account. Reason for closure request was that XXXX 's Bank would not let me have access to my initial deposit which was made with guaranteed funds, used a credit card. When I attempted to use these funds on XX/XX/2020, unknown to me, my account was frozen due to " fraud '' and I was required to come into a branch location to " prove '' my identify. Explained that that's not an option during COVID-19 and that my health doesn't allow me. I told them that this wasn't fair and that my account would be charged fees for staying open and that they couldn't deny my request to close the account over the phone. This seemed like a scam to take my deposit, lock my account, make me come into the office, in an attempt to sell me more products that I don't need, and take my money, though the use of fees from my initial deposit. Hung up with the representative with my account still being open and subject to fees with no way to move my initial deposit out of my account due to how the account was coded for fraud. Representative said that they could attempt to close the account over the phone if I called back the next day, after my guaranteed funds " posted, '' but he'd have to request to have the {$25.00} early closure fee waived. This is a scam to take customer 's money, not let them use it, lock their accounts, and not allow them to close their accounts and rake in the fees. Over the course of about 2 hours, I was bounced back and forth to different " personal bankers, '' never read any regulatory disclosures, hung up on and dropped back into the main phone tree without notice in an attempt to not solve my issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33702
Submitted Via: Web
Date Sent: 2020-10-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-26
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX ) XXXX text/cell Regarding REGIONS PRESTIGE VISA I agreed to receive and pay shipping charges on a 30-day sample product. I received that sample plus an additional different sample product. Since the shipping on the additional sample was minimal, I did not complain. I did not at any time agree to receive ( what I have since learned is ) a subscription However, 2 weeks later I received a full price order. 2 weeks after that I was charged for another full price order. I never received that one. When I got my statement, I immediately called the bank and reported unauthorized charges. I cancelled my credit card. At that time, I had only the first shipments and charges, however, there were more charges pending which I asked them to cancel. They did not. I spoke to Claims Resolution Department. They declined to refund the unauthorized charges via letter dated XX/XX/XXXX. I called again with same result. They were able to give me the phone numbers for the companies. I had not identified them as they were listed within the transaction # s. I also went physically to the bank. I sent a letter to Corporate. Corporate Office Address : Regions Bank, Headquarters XXXX XXXX. XXXX. XXXX, Alabama XXXX I called the given phone numbers for sender. There were 4 different numbers 1 applied to each product. I called them all, some multiple times. I was denied a refund each time. I was told I had agreed to a " subscription '' receiving the product every 2 weeks. I protested because, first, I had agreed to nothing and second even if I had it would certainly not be every 2 weeks. The website listed results may take 30 days to show improvement ; so why would I agree to accept a shipment for a 2-week period. I tried to research the Website but found there were multiples. I could not remember because frankly I didnt expect I would have to remember. I spoke with what I believe might have been the " manager ''. He finally agreed to refund the products ; 2 of which I had not received as of then. However, restocking fee of {$9.00} each plus shipping charge for each item. I declined the offer. Below see transactions each one assigned a different name and sent on different dates. XX/XX/XXXX XX/XX/XXXX Merchant # XXXX XXXX XXXX {$88.00} XX/XX/XXXX XX/XX/XXXX Merchant # XXXX XXXX XXXX {$84.00} XX/XX/XXXX XX/XX/XXXX Merchant # XXXX XXXX XXXX XXXX {$94.00} XX/XX/XXXX XX/XX/XXXX Merchant # XXXX XXXX XXXX {$90.00} At this point I still kept trying to communicate to the bank through phone calls and emails that I expected them to take responsibility for and cover these unauthorized charges. Each time I was refused stating they were authorized. I asked for proof of course there was none. Excerpt from Email I sent to Regions : " There is no doubt in my mind they were not a reliable source. What kind of " investigation '' was done? They " told '' you it was a subscription? Did someone just say " ok '' and threw the ball back to me? Was there ever any proof I subscribed? Of course, not because I didn't. Is it REALLY that easy for Scam Artists to get passed the bank? Are my accounts protected at all? The amount of protection sounds great, but it doesn't mean anything if Petty Criminals can dupe the bank So, I am throwing the ball back to Regions '' I finally spoke to someone from the sending company. I called the individual phone numbers got same refusal. After much discussion and assuring me the Post Office showed they sent the second shipment ( which they didn't ) she agreed to first a partial then eventually a full refund. It didn't happen. I called again was given transaction numbers they never did appear. My final communication with Sender, after I threatened to report them to the Attorney General and asked for their business license the agent told me " Do what you got ta do '' and hung up. I did report them to the Attorney General. They are working on it. However, I needed to give them an address for the sender. The only address I have is a Fulfilment Center. I am sure that will not be of any help to them. I am sending email communications with bank. I have a letter addressed but not a working scanner. All communications with Sending Company were via phone Several times on several days. -- - Original Message -- - From : " XXXX XXXX '' Received : XX/XX/XXXX XXXX XXXX CDT To : XXXX Subject : Unauthorized Charges I spoke with Bank XXXX Credit Card Dept. They investigated and said the charge was a subscription ( every two weeks XXXX agreement and they could not remove it. After " investigation '' Regions sent letter stating it was an authorized " Subscription '' They couldn't remove it plus they went ahead and put the pending charges through I got the phone numbers from the Bank for Company/Companies There was different phone number, Company name and amount for each charge. I contacted several them times and the different numbers. They insisted I had agreed to a twice weekly charge. I KNOW it was only a 30-day trial. Plus, it stated I needed to use the product every day for the 30 days to see results so why would I want to order the product before I could determine results. It had been only 2 weeks before they charged for the products I had not ordered and received after the charge. Then came next 2 more Charges No product They agreed to a refund but would charge a restocking fee of {$9.00} each plus shipping charge for each item Charge to be put back on same card which I had immediately cancelled I certainly was NOT going to give them another charge card for them to have access. They charged me again for the items and I never did receive them I agreed to a free trial for 30 days ( sample ) only paying shipping cost for 1 product They sent 2 different products. Since it was a small shipping charge, I let it go. After speaking to several different people, it was agreed they would refund for the products I never received. I never agreed at any time I would be satisfied with partial refund. They played the " I can't hear you '' card then hung up. I waited for refund transactions to show on my account. They did not post. I called back. I was told it would be taken care of and I would receive emails stating the amounts refunded. Of course, they never did. I gave them a week and called again. This time I was given transaction numbers. Still no posting. I told them they needed to take care of it immediately. They were nonplussed. I said I would contact the Attorney General and asked for their business license. The agent told me " Do what you got ta do '' and hung up. I did contact the Attorney General but no promise I would ever hear back. At least it is filed. Now here 's Regions part There is no doubt in my mind they were not a reliable source. What kind of " investigation '' was done? They " told '' you it was a subscription? Did someone just say " ok '' and threw the ball back to me? Was there ever any proof I subscribed? Of course, not because I didn't. Is it REALLY that easy for Scam Artists to get passed the bank? Are my accounts protected at all? The amount sounds great, but it doesn't mean anything if Petty Criminals can dupe the bank So, I am throwing the ball back to Regions I am a good customer and have been for more years than I can remember. I have 2 checking accounts, a " NOW '' card for my daughter and a Money Market : as well as XXXX XXXX XXXX XXXX I am listing pertinent info below that I expect the bank to take responsibility for and cover these unauthorized charges. XX/XX/XXXX XX/XX/XXXX Merchant # XXXX XXXX XXXX {$88.00} XX/XX/XXXX XX/XX/XXXX Merchant # XXXX XXXX XXXX {$84.00} XX/XX/XXXX XX/XX/XXXX Merchant # XXXX XXXX XXXX XXXX {$94.00} XX/XX/XXXX XX/XX/XXXX Merchant # XXXX XXXX BeautiSkin {$90.00} XXXX XXXX XXXX XXXX XXXX ) XXXX cell / text -- - Original Message -- - To : " XXXX XXXX '' Received : XX/XX/XXXX XXXX XXXX CDT To : XXXX Subject : Unauthorized Charges XXXX, Thank you for your message. I apologize for any inconvenience caused by this matter. Please know, that the dispute process is not a guarantee for reimbursement. It is a process where all the information provided is considered and an outcome is determined. It is an attempt on our part, to provide a resolution for our customers, when a merchant refuses. Additionally, when signing up for a free trial offer, the merchant can make additional authorizations for products and services as agreed upon in the terms and conditions of the trial offer with the merchant. Since these charges are agreed upon at the time of accepting the trial offer, it is necessary to contact the merchant directly about the additional charges or to request the terms and Conditions of the trial you signed up for. For additional assistance regarding the investigation and claim, please contact our Credit Card Claims department directly at XXXX ( option 1 then press 1 and 1 ). Please know we understand your time is valuable and we would not ask you to call unless necessary. Have a great day! Regions XXXX XXXX is always here to help. If you have any other questions let us know. Call - Call us at XXXX, 24 hours a day, 7 days a week. Click - Simply respond to this message or email us securely through Regions.com Come in - Visit any local branch Thank you for banking with Regions. XXXX XXXX -- - Original Message -- - From : " XXXX XXXX '' Received : XX/XX/XXXX XXXX XXXX CDT To : XXXX Subject : Unauthorized Subscription APPARENTLY, YOU, LIKE THE " INVESTIGATOR '', DID NOT REALLY READ WHAT I WROTE OR YOU WOULD REALIZE THESE " PEOPLE '' ARE NOT LEGIT I HAVE THOROUGHLY GONE THROUGH AS MUCH SELF-HELP AS POSSIBLE. 4 DIFFERENT PHONE NUMBERS 4 DIFFERENT BUSINESS NAMES 4 DIFFERENT AMOUNTS NO PROOF WHATSOEVER SENT A PRODUCT NEVER REQUESTED CHARGED FOR PRODUCT NEVER RECEIVED GAVE ME BOGUS TRANSACTION NUMBERS CONTACTED ATTORNEY GENERAL SO, MY TAKEAWAY IS MY BUSINESS IS NOT WORTH YOUR EFFORT I WOULD LIKE THIS COMPLAINT TO BE ESCALATED TO A CORPORATE LEVEL YOUR RIGHT I SHOULD NOT WASTE MY TIME CALLING BECAUSE THAT WAS A WASTED EFFORT XXXX XXXX -- - Original Message -- - To : " XXXX XXXX '' Received : XX/XX/XXXX XXXX XXXX CDT To : XXXX Subject : Unauthorized Charges XXXX, Thank you for your message. I apologize for any inconvenience this has caused. I can confirm we have read your messages and replied with all information we have available. However, we do not investigate these claims in this department and the Credit Card Claims department does not assist via email. Therefore, for additional assistance regarding this claim, it will be necessary to contact our Credit Card Claims department directly at XXXX ( option 1 then press 1 and 1 ). Please know we understand your time is valuable and we would not ask you to call unless necessary. Have a great day! Regions XXXX XXXX is always here to help. If you have any other questions let us know. Call - Call us at XXXX, 24 hours a day, 7 days a week. Click - Simply respond to this message or email us securely through Regions.com Come in - Visit any local branch Thank you for banking with Regions. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2020-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-22
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I was trying to close my Regions Savings account and initiated a transfer to my XXXX savings account on XXXX XXXX. There was a {$3.00} to transfer which was fine. I had {$1600.00} in my savings to transfer and the {$3.00} fee should have brought the total transfer amount to {$1600.00}. However Regions then denied the transfer request after sending an email saying the funds were transfered and would show up in my XXXX account within a day. Regions then proceeded to send me an email saying, " Unfortunately, we could not complete your transfer request. The account provider has indicated problems with processing your request. '' They then deducted {$39.00} as a " return '' fee when the money never left the account. After this they tried to do the already not working transfer again, deny it, and deduct another {$39.00}. They were about to do it again when I called, froze the account and demanded it be shut down. They said they would not be refunded me the {$78.00} that they deducted. I am at a loss and not sure what to do from here. I was fine with the understandable {$3.00} transfer fee but am confused why they charged {$39.00} as a return fee when the money never left the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2020-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have been trying to refinance my loan for a few months now, and recently I was trying with Regions bank which I have a HELOC with. While Regions mortgage pulled my credit for the refinance, my credit report shows an open balance and delinquent of {$880.00} from my HELOC. However I have never used my HELOC since the day I received it. Regions also is aware that I have never used the HELOC yet they say they do not have access to see why it is reporting a balance. This issue not only hindered my refinance with Regions mortgage, but at the same time it hindered my ability to refinance with two other lenders as well because when the other lenders pulled my credit, Regions still shows the {$880.00} balance and delinquent. I have statements to prove that I have never used any funds from my HELOC account. I have called and emailed regions about this and they do nothing to help. I have suffered a loss not only form the upfront cost to do a refinance, but also lost on a low interest rate as the rates jumped up as time passed on. I would like them to compensate me back for my appraisal fee and any other fees that I had to pay. And I would like them to honor my estimate and get me refinanced. I am a parent struggling to keep things going for his family and I am in XXXX need of real assistance. I need to keep my home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2020-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I became aware by checking my bank statement. I did not make these particular charges. I am unable to contact XXXX to dispute or access on line account to provide billing information as requested by Regions due to Covid. When I became aware I tried to contact XXXX and was # XXXX on hold and since then havent been able to contact anyone. They have on line help from a Robot and it doesnt help me with my concern. Regions Bank told me since I purchased the package before then they cant refund my money. I advise them I did purchase the XXXX package only once and that was for my son 's birthday. He is XXXX and XXXX XXXX, so I have to make all transactions. In addition, a two party authorization is set up and required before the purchase and you get an email afterwards ( neither of which I received ). My card was compromised and that is why I filed a claim and closed that card out. I have been speaking with Regions for months and all I am being told is they will file complaint with their Complaint Dept. With COVID and my relatives being misplaced due to Hurricane Laura there is no way I can afford not to get my money back for services I DID NOT use. I also filed a police report with XXXX XXXX Sheriffs dept. XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/202 XXXX XXXX XX/XX/2020 XXXX all with same transaction id of XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77459
Submitted Via: Web
Date Sent: 2020-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-19
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: i had XXXX 2 times taken outta my account not authorized by me. i went to a branch in XXXX XXXX an a lead lady helped me i tried give her police report an she did not take it she did refuse an stated that its my fault that i gave caller my acct. information, shes a lier i never ever gave anyone my acct. information. so i went to celebration branch an XXXX took my police report an submitted report to bank, an they continue to refuse paying me back my XXXX XXXX XXXX was the one at first bank who continues to repeat to me that i gave my information, im sorry but yes she is a lier. she hurt me bad.this is regions bank an yes i left them to go to XXXX XXXX XXXX XXXX a great bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32819
Submitted Via: Web
Date Sent: 2020-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-16
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: Basically I check from same bank for {$22000.00} I deposit check XX/XX/XXXXplace check on hold 7days.The same bank gave me the check they placed a hold on the check refuse to give me my money I kept on telling me to come back the next day the next day the next day. I felt like they were trying to steal my money I dont feel that thats right it was my money anyways the check was issued by the same bank they should have giving me my money up in three days they said they didnt have any cash thats not my problem that was my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34769
Submitted Via: Web
Date Sent: 2020-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-09
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/2020, I purchased a product from XXXX on line for {$100.00}. It was an electronic exercise machine that was advertised by XXXX that included exercise bands. When I received the device, it did not have the exercise bands. I contacted XXXX and they said the device did not include the bands. The advertisement clearly stated the device did indeed include the exercise bands. I shared this with XXXX and my credit card company. As of today, I have not paid doe the device as I filed a dispute on XX/XX/2020 to which I have proof.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2020-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A