Date Received: 2020-03-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I work in XXXX and XXXX and with COVID 19 causing " The Great Pause '' I am unable to work or even collect from A/R because of financial strain of everybody at the moment. I had a personal loan given to me to help me through the next 30 days to help me pay for my medical and life insurance and deposited a XXXX check. Normally check deposits are immediately available for use. I was notified through mobile banking app that funds would be made available after nightly processing. The money was deposited into my account and then Regions took it back out and placed a hold on the funds, but never gave any acknowledgement as to why it was being held. I reached out to my Regions bank and told them the situation and inquired as to why the funds were being held. I was unable to speak to anyone directly and was forced to communicate through online service. I was given no reason, only that funds would be held until XX/XX/31. Our entire livelihood as a small business has been put on hold and my bank is now keeping me from moving forward without the ability to care for my family. I find this action to be unacceptable especially at this time of financial crisis and I implore you to investigate as I'm sure there are many people experiencing the same thing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30215
Submitted Via: Web
Date Sent: 2020-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I responded to a marketing campaign I received in the mail from Regions Bank. The promotion was as follows ( att : ached ) 1. Register at Regions.com/offer400 using your personal code. 2. Open a new personal LifeGreen checking account by XX/XX/XXXX. 3. Enroll in Online Statements and use your Regions Visa CheckCard to make 10 or more purchases that post to your account within 30 days of account opening. Your bonus will be deposited to your new checking account within 120 days of completing these requirements. I believe I met the requirements for this promotion. 1 ) Opened account XX/XX/XXXX, signed up for online banking, and funded account XX/XX/XXXX. 2 ) Made 13 CheckCard transactions by XX/XX/XXXX. ( statement attached ) I first contacted Regions ( via website ) on XX/XX/XXXX about timing of {$400.00} payment. Regions called me on XX/XX/XXXX to discuss. I was told that I did not qualify because I had not signed up for online statements. I said I believed I did because I signed up for online banking and could view my statements online. I was told it had to be online statements and I was receiving paper statements During the call, I was able to find where to sign up for the online statement. I told them I still disagreed that there was a difference between online banking and online statement. On XX/XX/XXXX I received an email ( attached ) that Regions had identified new information needed to complete my request and to call Regions back. On the same day, I called Regions back and they told me that the ONLY reason I had not received the {$400.00} was because my account was considered dormant, and the account had to be active for the bank to post the premium. I found it surprising that the account was considered dormant in that short of time period. My last transaction was XX/XX/XXXX. Regions ' promotion stated " Your {$400.00} bonus will be deposited directly to your new checking account with 120 days of completing the requirements ''. First of all I believe I met the requirements as of XX/XX/XXXX, which was my last transaction. According to Regions then, without any other transactions made on the account, it would be considered dormant before even the 120 day timeframe occurred! I was told if I reactivated the account by making a transaction, I would then qualify. Therefore, that night I used my check card, thinking again, this was the last hurdle. However, I received a phone call from Regions XX/XX/XXXX and I was told again that I did not qualify even with the recent transaction. Per the customer service representative, the transaction of XX/XX/XXXX did reactivate the active status. That reactivation sent my account to marketing ( for approval ) and marketing denied it saying I did sign up for online banking within 30 days of account opening so I did not qualify. When I asked to speak to Marketing, I was told Marketing did not take calls. I think step ( 3 ) of the promotion ( noted at beginning ) is not clear that enrolling in Online Statements had to be completed within 30 days. It can be read that you have to " use your CheckCard to make 10 or more purchases that post to your account within 30 days of account opening '' but the Online banking requirement just has to be completed. I feel like Regions kept changing the requirements needed to qualify for the premium. I have attached all relevant documentation that I have . Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75287
Submitted Via: Web
Date Sent: 2020-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: 1 ) Last summer when I 1st opened up the account they had misspelled my name 's on my ATM cards at this Regions Bank and then the 2nd card they mailed to a false address I went quite a few days and weeks without a functioning ATM card. 2 ) Last XXXX I had my entire bank account wiped clean from an online predator and I filed reports with the FBI and the police department and Regions Bank never refunded my money and they're supposed to be FDIC insured 3 ) And lastly and without just cause I deposited a check last Friday they're saying they're holding it for over 2 weeks and they will not give me the reason why I am in serious financial hardship and now because of the Corona virus not being able to work are having an income it's really put a stress on my day-to-day life eating gas and my bills I have filed several complaints with multiple agencies as well as the bank but they will not do anything about it they wouldn't refuse to give me back my check and they refuse to deposit the money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2020-03-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-17
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: XX/XX/2020 downtown branch in XXXX Alabama open a new checking account, and apply for the bank security bank card. Received copies without my signature. Call Wednesday stated XXXX XXXX she had me sign in the wrong place too come back in. And the underweight had sent the application back. Came in Friday asked them too close the account and put the money in my checking account. The person I spoke with XXXX XXXX and Nd XXXX about closing the account. They stated it would take 14 days sometime 24 hour. Called Tuesday spoke with several people over the phone and finally sent to the credit card department and the man stated he would close the account and in two day my money would be in my checking account. Called Friday the XXXX they stated they were process the application and I would be getting a letter in the mail. Today the XXXX I was told they could hold the money for XXXX and that was never stated. If I did not sign in the right place going forward how did they process the application without the proper signature. And continue to hold my money. The process was never stated how long it would take the application process. And if I cancelled before receiving a card their should not be a hold on the monies in the saving account. I paid XXXX dollar interest when the account was open. Now refund my money and interest for the time I couldn't use my money. They design a plan suppose too help yet they abuse and cause hardship with untrained staff not know the detail of how something works.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2020-03-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Last year in XXXX or XXXX, I took a vacation to XXXX XXXX. While there, my debit card was compromised around {$1700.00}. I contacted the bank as soon as i was aware, made a claim, and they then stopped and issued me a new debit card. After months of trying to get my money back, the bank denied the claim stating that it could not have been fraud use because the card was swiped and the chip ( and/or ), my PIN number was used. The transactions that were placed were no where near XXXX where I was staying, and yet, they still denied the claim. Last week, I noticed where some travel agency ( appears to be the same people that committed the fraud last year did it once again, but this time only charged my debit card {$99.00} 2 times. I was told I would receive an email and a phone about my claim and complaint about last years claim as well as the current one, and I still have not received either. This is only 4th fraud claim in 10 years, and they have denied everyone of them. I tired pulling my money out of my account in order to open a new account with a different bank, but was told I was not allowed until the claim has been fully investigated and the claims department has made a claims decision.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63801
Submitted Via: Web
Date Sent: 2020-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-16
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: The first week of XXXX I was looking on my phone for computer repair help and went through hundreds of different websites. In the process my phone was hacked into and I did not know until after the following had happened. On XX/XX/XXXX I had 3 transactions in the amount of {$100.00}, {$100.00}, and {$300.00} show up on my Regions Bank from XXXX. I contacted the bank when i noticed it because I have never used this app and they closed my debit card down and filed dispute paperwork. Then on XX/XX/XXXX I had two transactions from XXXX in the amount of {$200.00} and {$300.00}, I had no clue what XXXX even was at the time. I contacted the bank and they froze my online banking account.I received texts from someone telling me exactly what website i was currently looking at on my phone and telling me who the last person i had called was, they stated if If I went to police I would go to jail. I called Regions and asked what I needed to do and person I talked to suggested changing phone number and factory reset phone and go to branch to file fraud dispute charges.I got a new number and reset phone and the text stopped and we went into branch and filed dispute on all charges. Branch said it was clearly fraud and not to worry about anything we would get our money back. Claims were denied and they ping ponged me between multiple departments and people. then someone from Regions informed me that if I filed a police report then my claims would be approved. I went to the police station and filed a report and told the officer what had happened. I then carried report to branch and they reopened my claims.I was informed when I checked the status of claims a couple days later that they were once again closed, reasons I have been given have been changed multiple times. I was told I gave someone permission to access my online banking account which is a lie, then I was told I gave someone authorization into my computer which they never made it into but they did hack into my phone not because i gave them permission, then I was told police report was too vague and that having a police report meant nothing. I've went for multiple weeks trying to get my {$1000.00} back and talked to probably 30 different people across 4 departments and they all understand and say they see what happened but the people that review the claims keep denying them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35613
Submitted Via: Web
Date Sent: 2020-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-11
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Had a few unauthorized transactions on account. When I first noticed something it was international charges I called the 1800 # and she asked if I made a purchase From a site frm XXXX XXXX I said yes cause I did and she informed me tht where those charges came from. Next I went to make pay for some in XXXX XXXX realized I didn't have my card on me the young lady informed me I can use XXXX XXXX which I tried but but couldn't make transactions due to them saying the phone device they had on file was incorrect so I went online to check and saw my account was hooked up to an XXXX which I never owned and at the time I notice the email they had on file wasn't mines either. I was able to change the mobile device online but was instructed to go inside the Branch to change email so I did ... The next day I wake up my account is XXXX I call the 1800 # they told.me to go inside the branch. So I did when I went into the branch she looked into my account and said I wrote check for XXXX and took funds out equaling XXXX which wasnt true I never owned checks. When she printed the check it was from XXXX I never been to XXXX and when I saw the signature on check it wasn't my signature and name was misspelled. I was told to go file a police report which I did and brought back the same day.. it's been since XXXX and I really have gotten any help besides the run around ... I've never been negative and never took large amounts frm the Atm I don't even know why this was allowed without being informed about transactions since these transactions was out the norm for my account ... Nothing as been done and its been since XX/XX/XXXX at Regions Bank .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75901
Submitted Via: Web
Date Sent: 2020-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-11
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Regions Bank - XXXX XXXX Branch XX/XX/2019 I submitted personally a Revocation of POA - POA Agent 's name and information removed from my bank account and bank account access - To reflect the only person left on the account was my name only. XXXX Regions Bank- XXXX Branch XXXX XXXX XXXX- allowed the revocated POA- add herself BACK to my account without any notice to me and without my permission. Regions Bank provided an affidavit of Continued Validity to the revocated POA Agent- Which she signed swearing under oath of the continued validity of the POA. XXXX Regions Bank XXXX XXXX Branch- XXXX was withdrawn from my account - XXXX Regions Bank - XXXX XXXX began the investigation on handling this matter and working on getting to the bottom of what happened and what needed to be done moving forward. The Legal Department was contacted and advised the branch on what to tell me - the consumer - this took several weeks. XXXX Letter from my home branch, Regions XXXX XXXX Branch of the details found in the investigation of what transpired and why- I was informed that I would have to file a police report against the POA-Agent - and it was up to me to get money back from the person I had already removed from my account as well as legal Revocation of POA -submitted to the bank as well in XX/XX/XXXX, XXXX This is a violation on Regions Bank for not doing their job protecting my account, allowing an unauthorized agent to be added BACK to my account without my permission or any notification to verify these changes to my account. I have filed a police report and have submitted this back to Regions Bank- It is my understanding Regions should be at fault- the XXXX should be reimbursed into my account-and Regions should be filing report against the Fraudulent activity of the Revocated POA and the Regions - XXXX XXXX XXXX Branch employee for allowing this person back onto my account - Please let me know what I need to submit along with this since you request not to submit personal information
Company Response:
State: TN
Zip: 379XX
Submitted Via: Web
Date Sent: 2020-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-11
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: I have a problem with my Mother 's CD accounts, The Bank is not willing to correct the Interest amount when they matured, the amounts were XXXX XXXX XXXX XXXX, XXXX, Dates were XXXX and extend back to prior years the agency in question is Regions Bank, XXXX Florida on 9 mile rd the XXXX XXXX they present a CD rate of 2.15 percent but when it matured they paid 0.01 percent when I brought it to their attention they contend that I needed a Checking account to qualify for that rate. Well it was not brought to my attention that I Needed a Checking account. My mother is Very old and so am I with Serious XXXX Issues and I know we were taken advantage of, I just want what is due it is Most of the Saving she has. I will upload the verifying Documents at a later time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32533
Submitted Via: Web
Date Sent: 2020-03-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-09
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: XX/XX/2020. Initial Question/Comment : I have been on hold for two hours to my bank Regions, regarding releasing a hold on my account.. I have called back after being cut off and on call again. How can I remain on hold for half a day? How can this be allowed in a so called first world country. This is absurd! After numerous calls and getting nowhere, I finally got a agent who suggested going to a branch to try to resolve the issue, as she could do no more than to send me back to hold again for XXXX knows how long again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33067
Submitted Via: Web
Date Sent: 2020-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A