Date Received: 2023-11-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check for {$1200.00} on XX/XX/XXXX. Regions put a hold on the check. I waited until check has been cashed by Regions, then on XXXX requested removal of hold, was denied and I was advised to contact the branch. I spoke to the branch manager, who advised me that the reason for the hold is punishment for my previous overdraft transactions. I was not aware a bank can punish a customer by holding their funds for previous overdraft items. I advised manager that funds have already been withdrawn from payee 's account, therefore should be released to me. Manager told me they will see what they can do and get back with me, but the never did. Four days after deposit I still don't have my funds. They have been withdrawn from the payee on XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/2023 I wrote a check for estimated taxes to the GA Department of Revenue in the amount of {$1600.00}. In XXXX of XXXX I discovered that the check was never applied to the payment account with the Department of Revenue and I uncovered that the check written had been stolen from the US Mail and had been signed over to a person named XXXX XXXX with my forged signature below. A XXXX XXXX XXXXXXXX branch honored this forgery and cashed the check to this person. My bank, Region Bank, debited my account and paid the funds. I have filed multiple claims with Regions Bank beginning in XX/XX/2023 and on XX/XX/2023 I was informed that Regions would not be able to refund the stolen amount unless the Department of Revenue files case with them. The Department of Revenue will not be able to do this nor should they need to do this. The fraud and theft happened to me and my account NOT the Department of Revenue. All past checks written to the Department of Revenue are clearly marked with a stamp indicating the funds are deposited by the Department of Revenue. This is a clear case of someone fraudulently signing over a check not made out to them and a bank honoring it and deducting funds from my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX Regions bank account in question XXXX XXXX I was notified by my bank that a fraud was done under my bank account Regions bank. I was told that checks were cashed by me.I told them is impossible because those were not my signature nor I had knowledge of the person writing those checks. I explained that previous week my purse was stolen from a XXXX supermarket a police report was produce. I called Regions and told them about the incident to close debit cards and warned them about the incident of my stolen wallet. They told my accounts were frozen until investigation is done but I asked question that I need to see video cameras and proof of what they are accusing me of that I cashed those checks. They denied me information or further. I provided them police reports. All I get is no other information is available to me. I told them how come what teller authorized those checks and form of ID the robber provided to them. I need help REGIONS is been rude to me and treating me as a delinquent and ignoring me. I am attaching all documents concerning this matter. Please I need your assistance on this matter. I need access to my money to pay my rent and bills. Regions must give am explanation to my case and why they had treat me rude and ignoring me.All my oficial documents were stolen my ID my US passport and bank checks were inside my purse that was stolen.Only sin is this delinquents stole my purse now they went and created this caos on my bank account. My lord help me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33130
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I heard about the Cfpb through an XXXX XXXX and used the tools they gave me the same day. I opened a non-profit XXXX account ( Be the XXXX ) with my bank about seven years ago. I visited the bank on Friday XXXXXXXX XXXX XXXX to obtain statements and I discovered at that time that I had been charged ananalysis fees every month since the opening of the account - $ XXXX {$30.00} for each occurrence. I was only made aware of this error when I went to the bank to aquire statements for our upcoming event. Regrettably, I had never received a statement on this account. I spoke with both branch managers and was advised that while the error in charging this fee was the fault of ( my Bank ), I would only be able to receive 2 of the fees back into my account as a refund. This ultimately, did not seem right and I felt as though my ministry had been robbed. The 2nd branch manager I spoke with gave me options and was truly sincere in her trying to make this right. Unfortunately I had to visit the bank again Tuesday XXXXXXXX XXXX XXXX I wanted to see if Regions will make this right before I took any additional steps to rectify this issue. I started this account to store funds for our non-profit organization to go into schools and cast vision with our children about their futures and also give back to our community. I went to my bank and spoke with a branch manager and he only said I should have been looking at my statements. The fees totalled over {$2000.00} worth of fees since I opened the account. My request was simple ; " I would like a full refund of all analysis fees that I was charged for this account. '' I have contacted the Cosumer Financial Protection Bureau and received help from them on this matter. I explained to them that I wanted to make sure that I do everything possible that I can do with my bank of over twenty years before I took any extra measures to make this right. After 10 days of people saying " no '' I had to standup for myself and I told the boss over that branch that I wasn't stopping until those ministry funds are returned. I would like to file a complaint on how poorly I was treated and how they spoke to me, placing fault on me because I didn't see their error and stop them. I'm proud to say they have approved the refund of all fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX and CEO Regions Financial XXXX XXXX XXXX XXXX, XXXX XXXX Alabama XXXX XXXX Re : Policy, Flexibility, and Governance Opportunity XXXX XXXX XXXX Following my wifes passing in XXXX, I chose to do the right thing and remove her as an authorized person from our safe deposit box at the XXXX XXXX XXXX XXXX. At the same time, I added my son and stepson as authorized to access the safe deposit box. I was told at that time ; we would have to create a whole new physical box versus just some paperwork. No problem, I chose the same size box, at the same branch location, in the same vault. I was told at the time that there would be a charge, however dismissed the statement believing Regions certainly wouldnt charge me twice in two months for the annual fee for the same size box. Well, they did. Please see attached ledger from my XXXX file and please, verify it against your own records. As you review not only will you see I have been charged twice in the span of two months for the same product/service but to add insult to injury, the amounts are differentfor the same size box since XXXX I am fine with either {$38.00} or {$57.00} but not both and from XXXX the three annual fees should be the same. I did speak with XXXX at the branch and said I did not understand the policy explanation which did not make any common sense to me. I further asked who I could appeal this to, and the answer was no one. I dont blame XXXX XXXX She doesnt seem to have the span of control or latitude to independently create a recovery opportunity from a bad customer service experience. This is small potatoes, XXXX XXXX, but highlights the need for expanded flexibility and authority while at the same time respecting policy and governance. Please dont delegate this to someone that is going to call me with another mumbo jumbo policy explanation. I dont have the time or patience for that and will just find another bank to do business with going forward.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33755
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, these purported creditors have violated my right. Under 15 USC 1681, section 602 my right to privacy is insured. Also under 15 USC 1681, section 604 A, subsection 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B, a creditor my not treat a payment on a credit card account under an open and consumer credit plan as late for any reason. I demand all unauthorized recordings on my credit record to be removed immediately. I did not give written consent or instructions to do include these recordings.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39213
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: To Whom It May Concern : On XXXX XX/XX/2023, I redeemed my Regions Rewards points toward a flight from XXXX to XXXX XXXX to take place on XXXX XXXX, respectively. When I made the flight reservation, in the area where it displays class, the level was stated as Economy ( verbatim, it did not state basic economy or anything that could confuse a person from misinterpreting the flight as an Economy-level flight ). Low and behold, something happened that prompted me to need to modify my flight date, so I phoned Regions Rewards Center as this is where I purchased my flight. When I phoned on Thursday XX/XX/XXXX, I spoke to a representative who informed me that in cases like these, what usually happens is that there is a surcharge to rebook, but that it isnt a problem. She asked me for when I would like to change the return date, so I said XX/XX/XXXX and told me to wait on the line. However, when she came back, she told me regrettably, the flight can not be changed because it is a basic economy flight. I was sure it said economy when I made the reservation, but I hung up and decided to double-check on that. While XXXX XXXX also said the flight was reserved as basic economy based on the booking reference, this fact was not made clear to me or whoever uses the rewards center to reserve flights. In fact, when I logged on and proceeded to follow the exact same steps I took to reserve the flight ( same dates, same flight numbers and times, even took the same number of points ), the option I clicked stated Economy while others below, including an equivalent of the flight ( managed through XXXX ), I reserved stated Basic Economy clearly. That in hand, I phoned Regions Rewards Center once again Friday, XX/XX/XXXX around XXXX XXXX XXXX and spoke to a representative named XXXX. I told XXXX what happened and explained my discovery, but he offered no explanation or solution and eschewed any accountability on a part of Regions Rewards, retorting that it was because I did not check the Hide Basic Economy box. In spite of me clearly explaining that the option was Economy when I made the reservation and the attached itinerary also says Economy, there is no way in which a reasonable person could suspect this was anything other than a standard economy-level reservation. I asked XXXX to provide me with contact information so I could voice my concerns and frustrations in a letter or e-mail to escalate my complaint ( because I was not going to let an careless mistake on some programmer 's part or the airline upend my trip and make me lose all those points needlessly ), but XXXX said there was none, nor was their an organizational structure of whom to contact in event of complaint or dissatisfaction. Rather he said he would " note my complaint '' which he kept me on hold for 30 minutes, only to probably make a note that nobody will ever see. In other words, Regions Rewards is being deceitful in its actions and unwilling to acknowledge and assist. What I am seeking is a reimbursement of the points that were spent reserving the flight. Since they say, their hands are tied because of the flight restrictions and being under XXXX, they are unable to assist, what they are able to do is a courtesy credit from REGIONS side in terms of points. While I understand XXXX XXXX XXXX has its restrictions and are not refundable or changeable, then Regions owes me the duty of acknowledging their carelessness and/or intent to mislead and defraud customers of their points ( whether knowingly or not ) AND crediting my account with XXXX points so as to make a demonstration of their value in me as a long-time customer of REGIONS and as someone who has validity in what he is saying, rather than just not accept responsibility.
Company Response:
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Changes in loan terms during the application process
Consumer Complaint: on XX/XX/XXXX we went to regions bank in XXXX tn from XXXX tn about XXXX min. i called the XXXX brance to check rates on a home equity loan with a fixed rate and i was told it was XXXX to XXXX XXXX and no fees at closing. after they got all of our information and all the documents i carried with me we were told they should have a answer for us by wednesday. as soon as we got home we got a call telling us that our rate was over XXXX XXXX and we could only get XXXX equity when we have over XXXX in equity also we were told we had a debt to ratio issue which is not correct. we only have our mortg of XXXX and 2 vehicles and we bring in XXXX a month which is XXXX a month not including all our assets that she took down. most of the time when buy something i always get tier 1 credit because of our good credit that we have built up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37091
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I called the money card from XXXX money card and complained about how I had been scammed out of {$2500.00} and gave them the account number and routing number to the account of the scammer and transaction details. And they and regions bank would not reverse 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: 303XX
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023 I received a text message from my mobile banking ( Regions Banking ) that a series of transactions had occurred on my checking account eventually amounting to a total of {$5300.00}. Some of these transactions took place near my home and XXXX other transactions took place in XXXX, WA which is XXXX minutes away from XXXX where I live. I then filed a claim with my bank stating that I had never received the debit card which was used to make these transactions. I have recently learned that my fraud claims have been denied by my bank. They did not even have the decency to email me saying that the claims had been denied, I had to call them multiple times. They denied my fraudulent claims because they said the transactions took place near where I live and typically use my debit card. That is crazy to me, as I have never shopped in any of those stores where the transactions took place nor have I used an ATM in XXXX before! I also never travelled to XXXX, WA the night of XX/XX/2023 where someone spent a total of {$3000.00}. Regions Bank also said that the card was delivered to my apartment, but I never received the card and never activated it myself. The bank says that someone would need personal information to activate the card, but again I never received the debit card and never purposely or willingly gave away personal information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98115
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A