Date Received: 2020-08-28
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Hello, on XX/XX/2020 I noticed several unauthorized charges on my debit card with regions bank. Shortly after, new charges popped up labeled ATM Fee which showed that these charges were actually several different out of network ATM withdrawals. I immediately contacted the bank, and notified them and started the claim process. The interesting thing is though that my card never left my wallet, and I was working at the time of the transactions. Yesterday, a week after filing the claim, I was notified that the claim had been denied and I would not be refunded my money, and am out of over {$700.00}. Even though the associate who filed told me that there are many ways my card could have been cloned and used, this was there reason for denying my claim. I am extremely upset to have lost money and have been a great value customer at regions with no issues until this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2020-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX XXXX is reported wrong information on my credit report and refused to do anything with the issue
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63303
Submitted Via: Web
Date Sent: 2020-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-27
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/XXXX I went to the XXXX branch of Regions Bank and asked what we owed on a XXXX XXXX truck. XXXX XXXX printed out a Loan Calculator with Extra Payments which showed our ending balance to be {$42000.00}. He checked the XXXX XXXX for resell value and told me we were $ XXXX {$12000.00} upside down on the loan. I took the information provided to be correct and did not question the banker. At first I kept the news to myself. Eventually I spoke with friends, relatives and financial advisors regarding the issue. The resounding resolution appeared to be letting the truck be repossessed. This was a devastating thought. At my wits end, I finally informed my husband of the situation. At that point, we went to the XXXX office to discuss the problem. We did not have an appointment. We were directed to the drive-thru. The account was never found and no resolution was provided. We made an appointment to talk with XXXX at the XXXX branch at XXXX XX/XX/XXXX. That appointment was canceled via an email saying I had canceled the appointment, which I did not. The appointment was actually canceled by the bank due to the branch being closed after an employee tested positive for Covid 19. After being on hold for over 30 minutes to reschedule the line was disconnected. After a 37 minute wait I was told the cancellation was due to the XXXX branch being closed due to Covid 19. I realize the stress Covid 19 has put on businesses, however sending an email stating a customer canceled an appointment when in fact the cancellation was not at customer request is unacceptable. Just another red flag causing our faith in quality and competent customer service from Regions to be doubted. An appointment was made at the XXXX XXXX location for XXXX XX/XX/XXXX. XXXX assisted us to the best of his ability. Since there was no management on site we left still disillusioned, disappointed, and discouraged. We asked XXXX to provide us with the contact information for Bank Examiner. He was unable to locate such information. XXXX XXXX XXXX was called on Tuesday, XX/XX/XXXX after our Friday meeting with XXXX. She asked questions and tried to make sense of the situation. Several days later we were told the XXXX branch would need to handle the issue since the misinformation was provided through them. XXXX XXXX called XX/XX/XXXX to begin the investigation. An appointment was made and kept with XXXX XXXX at XXXX XX/XX/XXXX. An email was sent to XXXX XXXX XX/XX/XXXX with the following information to facilitate Regions in being knowledgeable of the incident and our expectation. " We experienced undue pain and suffering from being told we owed several thousand dollars more than we actually did. We would like for Regions to take responsibility for this miscalculation in the form of authorizing a new loan with zero interest. The purpose for our meeting on Thursday is to discuss the situation, our request, and Regions resolution. Please contact me if you have questions or concerns before the meeting. When we leave the meeting an agreement for compensation needs to be agreed upon, and/or Bank XXXX contact information provided. '' The email was never acknowledged or answered. When we left XXXX XXXX ' office XX/XX/XXXX she assured us her supervisor, XXXX XXXX would be in contact. She said she would file a complaint with Regions regarding the misrepresentation of loan balance. To date our requests for copies of complaint has been ignored. XXXX XXXX did call today XX/XX/XXXX at XXXX. During the span of the 19 minute phone call Mr. XXXX mispronounced our name even after being corrected several times. Mr. XXXX questioned my " common sense '' and " prudence '' since I did not question the information provided by the Regions banker, XXXX XXXX. He asked what resolution we were seeking. He stated that no restitution was in order for the situation when I said we felt the loan should be refinanced at zero percent to compensate for the anquish caused by misrepresentation of Regions employee. At this point, I made the declaration that not once had anyone from Regions apologized for the inaccurate information provided. Mr. XXXX then offered his apologies for any wrong information received. He said he would be in contact before the close of business XX/XX/XXXX with information on updated loan statements. I had asked for a contact to report the misrepresentation from the XXXX XXXX and XXXX branches of Regions. Neither branch was able to provide requested contact information. Mr. XXXX told me to contact Consumer Financial Protection Board. I am trusting that Consumer Financial Protection Bureau will consider the incident and provide a report accordingly. Thanks in advance for your assistance. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76028
Submitted Via: Web
Date Sent: 2020-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Hi Mgr ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Regions do I owe you guys any money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32404
Submitted Via: Web
Date Sent: 2020-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 03102
Submitted Via: Web
Date Sent: 2020-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-19
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Regions Bank has been refusing to close my account for over 6 months and is insisting that I need to visit a bank branch to close it. I am not comfortable visiting a branch during a pandemic and would like the account closed immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27278
Submitted Via: Web
Date Sent: 2020-08-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-18
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: This company XXXX sent me multiple emails asking me to verify my banking. Then they sent me two cards by XXXX. They deducted {$500.00} from my business checking without my signature or verbal authorization. I have called the customer service number multiple times and they tell me they can not find any information. I found another office to call, when I called today I was told that if they took the {$500.00} it would be refunded back the same way it was taken. The representative hung up on me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79907
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-18
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: I had a disagreement with Bank Manager regarding, transactions and overdraft fees that were charged to me incorrectly. I had available funds and bank switch order of processing charging me unreasonable amount of overdraft fees that I was not responsible for. Also was a unauthorized transactions that I did dispute so I shouldn't have been charged by bank. The branch Manager in XXXX, IA refused to return my money back and I then later got a call from customer service, I did miss the call. I then later realized that my funds were returned. Then I receive a letter in the mail stating the branch Manager was closing my account, without reason. I believe she did this out of retaliation, which goes against the Banking law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 50266
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-18
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: Waited until all pending payments where made closed all automatic payments for utilities and such closed my account on XXXX apparently there was transaction through XXXX that was that was late to process untill XXXX with this account the bank open a checking 's account and my name and paid this bill not allowing the vendor the contact me I received a letter from regions Bank informing me that they had open a checking 's account in my name and paid the {$40.00} to XXXX i would be charged for insufficient funds I have taking care the XXXX bill but what my concern is places that i have had a one time withdraw XXXX has me on a automatic withdrawal even though I asked them to take me off so if they send this {$260.00} bill did that account the bank will open up a new account in my name and pay XXXX XXXX I no longer desire and charge me insufficient funds if there is no law preventing this from happening I suggest you create one thank you for your time
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70364
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A