Date Received: 2020-03-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2020 I canceled a subscription with XXXX for a recurring gold 6 month subscription for {$69.00}. I noticed where my checking account with Regions had been debited for {$69.00} on XX/XX/2020. I reached out to the merchant the morning of XX/XX/XXXX approximately XXXX ( company website stated it was open 24 hrs/ 7 days a week, however company is not ) and spoke to XXXX and asked why my account was debited when the subscription was canceled on XX/XX/2020. XXXX stated that the subscription was canceled on XX/XX/XXXX @ XXXX, Canceled by the company XX/XX/XXXX @ XXXX, and Renewed on XX/XX/XXXX @ XXXX. I explained to XXXX that I had not renewed this account. I asked to speak to a manager, and spoke with XXXX who stated the billing dept will contact me within 24-48hrs, which they never did. I contacted my bank Regions on XX/XX/2020 to dispute the transaction. The bank policy is the transaction can not be disputed until it actually post to my account, which it actually posted on the XX/XX/XXXX. I was given a claim # and proceeded to wait for my back to contact me. On Friday XX/XX/2020 I made a appointment to meet with someone from the bank to discuss my account and I was told I could be assisted without coming into the branch by phone. I do not have the name of the person I spoke with, but I provided them with the information above and was told this information would be added to my claim. On today I made a appointment again to meet with a branch representative to discuss my claim again only to be told my claim had been denied because there was no proof of cancellation. I told the pweson I spoke with that I did not have a confirmation number, but did have a screenshot from my phone stating the transaction had been cancelled. She provided me with a email address and stated she would submit the information and request the case be back open. At this point I am very disappointed with the level of customer service I have received from Regions. Even after contacting the merchant and contacting my bank for assistance I am still out of {$69.00}. I am not satisfied and want assistance with resolving this issue asap.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30132
Submitted Via: Web
Date Sent: 2020-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-29
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On Sunday, XX/XX/XXXX, I received a text alert that a transaction of {$50.00} had just occurred on my debit card without my approval. I checked my account and saw that a {$50.00} XXXX gift card was purchased online using my account and was sent to someone ( recipient of the gift card was listed as e ). My XXXX account had been hacked. ( I have not given anyone my email address, password, or access to my XXXX account ) .A few minutes after I discovered this, I called Regions bank to file a dispute. I called today, XX/XX/XXXX, and they deemed the charge to not be fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39564
Submitted Via: Web
Date Sent: 2020-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-28
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX I initiated an online purchase for an item from XXXX XXXX for {$300.00}. I miscalculated the purchase and my account had {$300.00}, short by {$1.00}. The transaction should have been declined by Regions bank as it has in the past. This time Regions bank authorized a partial approval XXXX out my account. My account DOES NOT have an overdraft program intentionally. I only keep enough in my account for specific transactions. I caught the problem after the merchant notified me. I deposited {$40.00} more into my account via ATM. I asked the merchant to debit the {$1.00} difference but they couldnt. I canceled the entire order. I spoke to a merchant supervisor and she stated that the bank had authorized in error and she reordered the item requesting full payment again. Once again Regions authorized a partial payment of {$40.00} to the merchant despite the merchants request for authorization for {$300.00}, zeroing out my account.The original {$300.00} was not returned and is still showing pending. This second attempt by the merchant should have been declined as well. This is a purposeful attempt by Regions bank to charge overdraft fees. A Regions bank supervisor refused to admit any wrongdoing, blamed the merchant and lied to me claiming that the merchant must have requested a lesser amount ( RIDICULOUS ) Regions was fined XXXX XXXX 4 years ago. Its time to investigate them again. If Regions bank is trying this with me, how many hundreds of thousands of citizens are they doing this too, during a national emergency of all things ( APPALLING ). The merchant states that when an order is canceled they release all funds immediately. Regions bank still has a pending hold on my funds {$340.00} ... 24 hours later.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97008
Submitted Via: Web
Date Sent: 2020-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX . XXXX XXXX On XX/XX/2020 I had a transaction on my debit card for XXXX from XXXX XXXX . I tried calling XXXX XXXX that couldnt give me any information because I did not have a ticket number or confirmation number. I notified the Regions back filed a claim. On XXXX the XXXX I received a response stating transaction verified with your card credentials. No report of card loss, theft or compromise. When I initially tried to contact XXXX XXXX they couldnt give me any info because I didnt have a ticket number, but it was provided on the response from Regions. I contacted XXXX XXXX they said the ticket was purchased by a XXXX XXXX I have no idea who this is. I call Regions to reopen the claim customer service was very nonchalant. I have never filed a claim I dont deal in fraud. When I ask the rep from Regions how do you know the transaction was verified with all my credentials she responded I dont know how XXXX XXXX work, but you telling me the transaction was verified. For me XXXX is a lot of money an I can not afford to just accept this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 398XX
Submitted Via: Web
Date Sent: 2020-03-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-26
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: XX/XX/XXXX I submitted a REGIONS complaint CFPB XXXX of NO RESOLVE ID THEFT FRAUD this is * Still OPEN * REGIONS NO RESPONSE. 1 ) Regions sent me to collections for ID THEFT FRAUD beginning XX/XX/XXXX. 2 ) Regions does Not resolve fraud. 3 ) Regions does not respond to complaints to CFPB. 4 ) Regions provided NO ACCESS OR XXXX XXXX OPTIONS FOR MY XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2019 we reported a fraud dispute form to SuperFleet Mastercard stating that one of our company gas cards had been stolen and there were multiple fraudulent charges made at a gas station in XXXX Ohio. There were multiple purchases of Premium Gasoline made on the same day very obvious fraudulent activity. SuperFleet would not cover the charges and sent our statement to a collection service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 433XX
Submitted Via: Web
Date Sent: 2020-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-24
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: On Thursday, XX/XX/XXXX I cashed my fiancs paycheck via my banks mobile deposit option on the Regions app. I have done this dozens of times in the past with no problems. On Friday I received a email that the funds were out on hold and would not be released until XX/XX/XXXX. I called them and asked for explanation which they couldnt give me. I asked them to cancel the transaction and they said the couldn't. I was told by the customer service representative I could try to cash the check elsewhere and that would ultimately cancel out this first transaction. So I went to XXXX XXXX, my fiancs employers bank, the bank that was printed on the check and they told me they could not cash the check because it had already been cashed. I then spoke with the payroll accountant at his workplace and she said the check was completely cashed. But regions keeps telling me its still pending. I spoke to another customer service representative who told me my funds would be held through XX/XX/XXXX, but now its the XXXX and theyre still being held so that was no true. I received another email stating the funds are being held until XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06492
Submitted Via: Web
Date Sent: 2020-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-23
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: XX/XX/XXXX Regions deleted from XXXX & XXXX credit reports Long term Good Credit Never Late Paid Early {$50000.00} Mortgage Loan information IN RETAILATION TO MY ID THEFT REPORT XX/XX/XXXX OF REGIONS CREDITCARD.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-22
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Regions Bank does not report credit information accurately to all credit reporting agengies. Why doesn't Regions have a duty to report TRUTH IN LENDING CREDIT REPORTING? REGIONS FAILS TO REPORT see attatched 1 ) Regions Account ( XXXX ) {$50000.00} PAID AS AGREED XXXX BALANCE CLOSED XX/XX/2013. and 2 ) Account ( XXXX ) Limit {$15.00}, XXXX PAID AS AGREED XXXX BALANCE * NO CLOSING DATE? Why???
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: see attatched REGIONS letter XX/XX/XXXX confirming a dispute was recieved XX/XX/XXXX PER REVIEW NO DISCREPANCY WAS FOUND. Due to my XXXX I have no one to assit in THIS EXTRA HARRASSEMENT STEP OF REGIONS ID THEFT KIT. I HAVE SUBMITTED IT TO AUTHORITES REGIONS DENIED MY CLAIM. Regions may view the attatched FTC ID THEFT REPORT case XXXX for any information needed or documentation of fraud date XX/XX/XXXX. see attatched MAIL FRAUD LETTER of XX/XX/XXXX. also see attatched REGIONS REPLACEMENT CARDS DOCUMENTATION. My records show XX/XX/XXXX I REPORTED UNAUTHORIZED TRANSACTIONS CARD END XXXX. XX/XX/XXXX REGIONS REPLACED FRAUD CARD WITH CARD END XXXX see attatched XX/XX/XXXX regions letter end this card XXXX. Over {$2000.00} reported unauthorized to no avail. CLEARLY THESE WERE ALL REPORTED TIMELY EVEN FROM DATE OF LETTER XX/XX/XXXX THEY ARE NOT PAST 60 DAYS. MY CLAIMS DISMISSED THEN CORP OFFICE REFERRED ME TO BRANCH XX/XX/XXXX TO RESOLVE. EMAILS FROM THIS OFFICE UPON REQUEST. STILL NO RESOLVE. My records show I reported fraud again XX/XX/XXXX REGIONS REPLACED THIS FRAUD CARD ENDING XXXX I reported again XX/XX/XXXX REGIONS REPLACED CARD END * XXXX.???? Then they denied my claim. Kindly Note Regions Letter of XX/XX/XXXX IS AFTER CONFIRMED INVESTIGATION thus HAD TO BE REPORTED PRIOR TO XX/XX/XXXX. KINDLY NOTE THE CARD ENDING WAS XXXX THE FIRST REPLACEMENT. CARD FROM XX/XX/XXXX. FRAUD CONFIRMED REPORTED TIMELY. REGIONS DOES NOT RESOLVE FRAUD. REGIONS COLLECTS ON ID THEFT. REGIONS DOES NOT PROVIDE XXXX ACCESS MOBILE APP. OR WEB. THREE BROKEN LAWS. REGIONS PRETENDS THEY DO NOT KNOW WHAT I AM TALKING ABOUT. EMAILS OF IGNORING ME XXXX XXXX FROM XXXX XXXX XXXX FL BRANCH OFFICE XX/XX/XXXX UPON REQUEST AND THAT IS after corp ignored me over a year.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A