Date Received: 2020-10-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX was place on hold for no reason called 4 straight days finally someone told me to go into a branch which b/c of covid i'm not going to do! they need to unfreeze my account b/c no reason for it to be locked my balance is over XXXX i'm putting money into my XXXX not taking it out
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77407
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have had a Heloc with Regions bank in Ga. I found out that they have been sitting on my over payments of interest only to apply them when they see fit. They show the overpayments on their statements as " PAST DUE '' yet it is actually the overpayments of principal that I have made trying to accelerate the payment of my loan. It is a simple interest loan. Any over payment is to go to principal. They are saying that since I make it from a non Regions Bank account that I have go to their bank physically to get them to properly apply any over payments made for principal or open another account with them? I have made numerous attempts to resolve and the onus is always on me not them. Each time that they are putting my overpayments in the " PAST DUE '' are of the account they earn extra money and have been doing it for years until I finally figured out how they were misapplying my payments. Our payments have always been on time. They have not applied the payments properly. All of their loan coupons have the this " PAST DUE '' line on their documents for payment. The forms you would need would just be their forms they use to collect payments. It is in the upper right corner reflecting the activity since the last payment etc.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2020-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-06
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened a new Account with Regions Bank and told them to Deposit {$500.00} in the Checking Account and {$50.00} in the Savings Account. They took the {$50.00} for the Savings then a error occurred where they took out 2 {$500.00} amounts from my account. They claimed the first {$500.00} amount was declined but my other financial institution said they were both approved. They then fixed it then within 24 hours of fixing it they did the EXACT SAME ERROR AGAIN. I have been fighting tooth and nail with them for 4 days getting this resolved and the entire time they have " forgotten '' about the first bank error and told me flat out to file a dispute. But I need this {$500.00} to pay bills and this has turned my life upside down and all I wanted to do was open a bank account to make my life easier. In reality the opposite happened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-05
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My Regions Checking Account has been compromised due to the following unauthorized charges made via XXXX XXXX XXXX {$1500.00} XXXX {$940.00} XXXX {$600.00} XXXX {$190.00} XXXX {$100.00} XXXX {$100.00} I have spoke with representatives from Regions Bank on several occasions -- and they have concluded to NOT provide any credit to my account because all the transactions passed a " fraud analysis. '' When I asked Regions bank to provide more in depth information on the process of this analysis, they responded with the resolution that I needed to reach out to XXXX XXXX. This has been an on going issue for the past month, as I have tried reaching out to XXXX XXXX in which automated email responses have been the form of communication from this vendor.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70119
Submitted Via: Web
Date Sent: 2020-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-02
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I OPEN AN ACCOUNT WITH REGIONS BANK ON XX/XX/2020 WITH XXXX CASH ON THE NEXT DAY THE CLOSED THE ACCOUNT AND WILL NOT GIVE MY CASH BACK. THEY CLOSED THE ACCOUNT I'M PRETTY SURE BECAUSE XXXX XXXX NO OTHER REASON HOWEVER I DON'T CARE I WANT 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: 30213
Submitted Via: Web
Date Sent: 2020-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XXXX XXXX 2020, I applied for an extension on my car loan with XXXX website, the web site finalized my application and informed that in 24 to 72 hours someone was to call me to explain my options, nobody called me instead they sent inadvertently emails which I am sure it went to spam. in XXXX I received a statement showing a a past due requiring a immediately payment, I contact the bank expecting an explanation like it was a mistake but in fact they informed that my extension was never approved. Well understanding the risk of have my credit damaged by this bank I rushed and squeezed all of my money to pay this past due and it was paid, last month they reported a 30 late payment on my credit it doesn't reflect the truth. Please accepting my complain and help me removing this negative information from my credit Best regards and always respectfull XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32835
Submitted Via: Web
Date Sent: 2020-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-01
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I bank with Regions in XXXX, Georgia. I contacted my bank because I have fraudulent activity. I was told I have to wait for the purchases to go all the way through to make a claim. this all happened XX/XX/2020. My bank has made no action to get my money back. Here are the charges : XXXX XXXX XXXX : {$1.00} XXXX XXXX XXXX : {$1.00} XXXX : {$23.00} XXXX : {$39.00} XXXX XXXX : {$80.00} XXXX* XXXX : {$5.00} XXXX : {$5.00} XXXX XXXX D : {$1.00} XXXX XXXX XXXX {$16.00} XXXX : {$10.00} XXXX : {$25.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30013
Submitted Via: Web
Date Sent: 2020-10-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-01
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: In XXXX of 2020 I contacted the customer service for Regions Bank in an effort to have an overdraft fee removed. I assumed this would be no issue since I had been with the company for almost 10 years and my accounts rarely if ever go overdrawn. The customer service rep informed me that I would need to speak with someone inside of a branch and directed me to the Regions located at XXXX XXXX, XXXX in XXXX, FL. I contacted the branch and spoke with someone who was unable to handle the situation so I asked to speak with the branch manager. The branch manager, XXXX ( I do not know her last name, but I am told she also goes by XXXX or XXXX XXXX, was unnecessarily hostile and rude with me. So much so that I requested to speak with a regional manager to complain about how she spoke to me. She refused to give me any contact information for the regional manager and proceeded to hang the phone up on me. I contacted the customer service number and filed a formal complaint on her the same day, and requested to have the regional manager contact me but no one did. Fast-forward to XX/XX/2020 I received a letter saying that ALL of my bank accounts would be closed effective immediately. I called the customer service number, assuming this had to be a mistake. The customer service reps had no idea what was going on. They informed me that there were no notes in the system explaining this and could not give me a reason as to why this was happening. They told me that the branch located at XXXX XXXX, XXXX in XXXX, FL. was responsible for closing my accounts and that I would have to contact them. I called the branch and spoke with someone named XXXX who said that the " back office '' closed the accounts and when I asked why she said that the bank has a right to end a relationship with anyone at any time. That was the only explanation I got and when I pressed her for more information she put me on hold and hung the phone up on me, twice. I drove over to the branch on Monday XX/XX/2020 to speak with someone to find out what was happening and get a better understanding of the situation. As soon as I arrived at the window and without any hesitation the lady at the window demanded my driver 's license and then proceeded to withdraw all of my money from my accounts and hand it to me as a check. I NEVER AUTHORIZED OR REQUESTED THIS TRANSACTION! I had pending transactions waiting to be debited from my account and I had more than enough money in the accounts to cover them. I would never have withdrawn money knowing I had pending transactions, and now the accounts have gone into overdraft with fees. So far the company has not given a satisfactory answer as to why my accounts were closed. HOWEVER, through my own investigation I have uncovered the real reason why this has happened. There is a CURRENT EMPLOYEE at this specific branch and they have informed me that the branch manager XXXX is responsible for closing my accounts. The CURRENT EMPLOYEE explained that XXXX has expressed to the employees at the branch that she is angry about the complaint that I made against her back in XXXX, and that she closed my accounts in retaliation. The CURRENT EMPLOYEE has also expressed that they are willing to testify to this and speak with anyone investigating this. The CURRENT EMPLOYEE has stated that they want to also report that this is not an isolated incident, and that the branch manager has done this multiple times before to other customers of Regions. I will provide the CURRENT EMPLOYEE 'S name and information once I am contacted. I have contacted several agencies searching for assistance including the XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX, and several others. I am also taking this experience to my local news station in an effort to spread the word to as many people as possible to AVOID using Regions Bank because this is how they treat their loyal customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34714
Submitted Via: Web
Date Sent: 2020-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I wrote alot and it got erased please call me so I can explain. Omg I can't believe this. Has to do with XXXX XXXX college..alot of info need to be reported. Financial advisor got fired for money laundering and someone else got money back XXXX was a XXXX. I reported to school I reported to credit bureau and they basically said it wasn't their problem no investigation. I now have proof and need to talk to someone to much o write. Regions bank account fraud and somehow turned into credit card Dept on card that had been closed way before fraud happened on account that I reported and didn't get money back that was used fraudulently and was made to owe. Can't open bank account and messed up credit. I was on a XXXX bank account. I took my name off because other people where making account negative. Somehow later when I tried to get a bank account I found out my social security number was left on there. So I had to fix before I could get an account. Credit was messed up from this issue I'm sure too. Credit report shows alot of things I don't agree with I have disputed some a while back and was just blown off. No investigation was done with any of them I don't believe.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 710XX
Submitted Via: Web
Date Sent: 2020-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: To whom it may concern : I reviewed a copy of my credit report and ( XXXX XXXX ) ( Regions Bank ) ran an unauthorized credit inquiries on me on ( XX/XX/2019 and XX/XX/2019 ) and ( XX/XX/2019 ). I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX XXXX ) ( Regions Bank ) and investigate such occurrence. I am requesting and updated copy of my credit report, which should be sent to the address. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. Thank you, XXXX XXXX
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: 2020-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A