Date Received: 2020-01-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: So far on two separate occasions, on XX/XX/2019 and XX/XX/2019, I have deposited XXXX and/or XXXX XXXX money orders into my Regions checking account. Both times, I received an email the following morning at XXXX XXXX CST from Regions informing me that my deposit would be placed on hold because Regions has confidential information that indicates that the check may not be paid, even though this is not possible because legitimate XXXX and XXXX XXXX money orders are always paid 100 % of the time. I spoke to the branch manager at a branch in XXXX, XXXX on XXXX XXXX on XX/XX/XXXX and he told me that I should provide receipts of the purchased money orders so that in the event of a hold placed by the back office, I can prove the checks were legitimate. I have uploaded images of the receipts to four money orders that are currently deposited in my account yet not in the available balance. It is obvious that Regions is using this false narrative of confidential information that indicates that the check may not be paid to fraudulently freeze almost {$4000.00} of mine deposited via money orders. These money orders take 1 business day to clear, meaning that Regions already has the money and is earning interest on it. This behavior is unacceptable and is no way to treat a banking client.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39110
Submitted Via: Web
Date Sent: 2020-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30days and i have not received any investigations results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2020-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-08
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: regions took money out of my savings after a fraud to re coop the difference What law lets you do that? that's is an unlawful act
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77057
Submitted Via: Web
Date Sent: 2020-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I had about XXXX dollars in unauthorized charges posted on my account XX/XX/20. I called the bank as soon as I noticed the unauthorized charges and was placed on hold for over an hour.Once I reached someone I was told to go into the branch on Monday. I went into the branch and wasted another hour only to be told the charges hadn't posted. I was told to call the next day and I could file a claim by phone. In the meantime one of my accounts are overdrawn due to the fraudulent activity and I had no access to my other funds because I had to cancel my debit card. Then I was treated like a criminal cause I asked for XXXX dollars of cash that is rightfully mine. I called the next day on XXXX and was placed on hold again for over an hour only to be told it would take them 10 days to fix my account. In the meantime my paycheck will post in 5 to 6 days to be entrapped in the chaos that regions refuses to resolve. My card has been in my possession so who is to say the thief is not regions from their lack of concern.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37217
Submitted Via: Web
Date Sent: 2020-01-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/XXXX deposited my payroll check into Regions bank XXXX XXXX XXXX TN XXXX XXXX XXXX. Went through verification visited the bank XX/XX/XXXX my funds hadnt been released bank teller advised me to go back to the ATM and deposit the check which then the atm ate my payroll check and shut down completely. I have images of the atm shutting down and not spitting my check back out. Claim was submitted and I was advised I would be credited within 24-48hrs it has now been over a week and no answers or resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2020-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30068
Submitted Via: Web
Date Sent: 2020-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I overpaid when paying off my Home Equity Line of Credit. Regions Bank held my money for 2.5 months and when I paid my personal line of credit payment they applied that payment to my Home Equity line that had negative balance and then they report me as past due on my personal line of credit and then send me back a check for {$770.00} for overpayment. They admitted that it was their fault but no one will fix it I have spent 1.5 hours in the branch and they told me that they fixed it and it has reduced my credit score from XXXX to XXXX. The told me since the branch didnt fix it that they will not accept my dispute and will show that it is past due. No one from Regions Bank will fix it. If they were fined about {$100000.00} or more maybe they would do their job. Do I need to hire an attorney to sue them or can you fine or penalize them for their unethical and illegal activities.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 363XX
Submitted Via: Web
Date Sent: 2019-12-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Regions Mortgage - Loan Account : XXXX We paid our mortgage loan completely on XX/XX/19. I contacted Regions Mortgage the same day to make sure the auto withdrawal was stopped. I have emails from Regions Mortgage that the withdrawal was stopped. This morning XX/XX/19 they have secured funds from our XXXX XXXX XXXX account and are proceeding to withdraw funds for a mortgage payment that no longer exists. I complained about the process and spoke to someone about this issue. I have confirmation the loan is paid. I have confirmation from Regions the withdrawal was stopped on XX/XX/19. I have attached their website page showing our loan detail. You can see the principal balance is XXXX. Amount due is XXXX, yet they have secured funds from our bank to pay a mortgage with XXXX balance. Please assist.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85383
Submitted Via: Web
Date Sent: 2020-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-26
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Regions bank is charging overdraft fees on pending transactions, that don't affect the posted balance. This practice is unfair, and goes against the customer. If my posted balance is positive, I should not receive an overdraft fee, because technically my account is not overdrawn. On XX/XX/19 2 transactions posted ( {$7.00} + {$3.00} ) and left a balance of {$58.00}, which is the current balance of the account as of XX/XX/19. I received an overdraft fee on XX/XX/19, with the account having a positive posted balance and never had gone into an overdrawn status. I called Regions customer service on XX/XX/19 to get this resolved, and was told that Regions policy is that they use the pending transactions during processing, as if they posted to calculate the balance and assess fees. This is unfair. I have banked with Regions for 12 years, and the bank has always had unfair overdraft policies, which I have been a victim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35022
Submitted Via: Web
Date Sent: 2019-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XX/XX/2019 i fill a lost card and unauthorized transaction / on XX/XX/2019 i was advise to stop my direct deposit due to to the unauthorized transaction/ Mr XXXX representative advise that he would send out another cc / I did recieve that / call back on XX/XX/2019 to get updates and my claim was denied / fill a appeal that same day XXXX a week later no respond fil a complaint with still no respond / fill another claim XXXX XXXX 2019 XX/XX/2019 and out of all the claim i recieve one letter pertaining to the first claim that i was denied, and that came for the first iniall claim, and still fighting to get my account correct, the total of fraud charge XXXX they gave me XXXX which took it down to XXXX now this is bad they keep on staying they want a copy of my work hours and a police report which i think that is private. i never had to go threw this with any bank, this is bad and not a safe bank for anyone if they cant secure your money but want to give you XXXX like your the crimnal. now ive file 6 fraud claim and only recieve one letter pertain to the first and everyone else collection calls which iam not paying a thing i didnt do it so iam not paying. but this needs to be handle its beeing a month now going on two months and no calls or responds to nothing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2019-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A