Date Received: 2019-07-19
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2019 10 fraudulent charges totaling {$2000.00} were processed by Regions Bank. I called the bank to report the charges and was told I couldnt dispute them until they were posted. On XX/XX/2019 I filed the dispute and was told it could take up to 10 days to funds back into my account. This is unacceptable as it took less than 1 day for the funds to be taken from me. The charges were to XXXX in Indiana and I live in MS . I was told there was no way to expedite this matter and that basically there was nothing that could be done to return my funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 393XX
Submitted Via: Web
Date Sent: 2019-07-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-18
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Regions bank charges overdraft fees based solely on available balance. I was most recently charged 2 overdraft fees on transactions that brought my posted balance to a positive amount because there are pending transactions completed after the posted transactions, which will receive ADDITIONAL overdraft fees if a deposit isnt made. These charges arent based on anything other than the available balance being low, even though my actual posted balance was POSITIVE. Example : Starting balance : {$55.00} Pending transactions : {$25.00}, {$25.00} New posted transactions : {$25.00}, {$25.00} Despite the posted balance being + {$5.00}, I receive {$72.00} in overdraft fees, then an additional {$72.00} in overdraft fees when the pending transactions post.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30741
Submitted Via: Web
Date Sent: 2019-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Hello, I am asking for help about unauthorized charges in my bank account, my account was frozen around the month reported in the process that I received multiple fraudulent charges, when my account was updated I reviewed all my accounts and saw multiple charges then I proceeded go to a regional bank branch to make a claim about all the fraudulent TRANSACTIONS in my accounts told me to wait 30 days maximum, wait time and call to know about the process they told me they canceled it they did not give me a correct reason so I decided appeal the case and now it is again in investigation please I need you to thoroughly review each fraudulent charges and return the funds to my bank account and I demanded information about the people who could have used my information in every charge I had in my account please demand that come back my money is the second time I am sending this complaint if you need more information do not hesitate to tactarme .. thank you for understanding ..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2019-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-18
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX I noticed 11 different charges of {$8.00}, XXXX, XXXX, XXXX etc ... I immediately called Regions Bank because I noticed fraudulent activity on my account. I was told that since these charges were pending, I had to wait until the charges were approved in order to file a dispute. I then cancelled my debit card and ordered another card because I was not familiar with the charges. I knew I had been scammed! I then called Regions Bank and filed a complaint. While filing the complaint, I was told that I would be contacted within 10 days on a decision concerning the claim. After several weeks on receiving no answer, I called Regions and I was informed that I would not be receiving a refund because they deemed the charges authorized from the account holder. I vehemently disagreed with them and tried to resolve this issue. Those particular funds were sent to a " XXXX XXXX '' of which I do not own. There are a total of 11 consecutive charges on my debit card which is in itself suspicious. I would like these funds returned to me because I did not give any authorization to anyone whatsoever to charge me over and over of XXXX dollars! I was obviously scammed and Regions Bank is failing to see this. Again, I made no such purchases, neither did I give anyone permission to charge my card over and over for {$8.00}. Why would I then contact Regions immediately when I saw suspicious activity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76002
Submitted Via: Web
Date Sent: 2019-07-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-17
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Regions bank took a duplicate payment from my checking account to apply to a credit card, which resulted in an overdraft and removed my access to cash that I needed from the overdrafted account. On XX/XX/2019, I attempted to make a payment on my Regions Bank credit card in the amount of {$550.00}, which was the current balance of the card. On XX/XX/2019 I noticed that the payment had not been taken from my checking account and applied to the credit card. On that day, I sent a secured message through Regions ' website asking about this. The response I received did not actually address my question, so I sent an additional message restating the question later that same day. Regions responded my message, informing me that that there was an error with the payment and that I would need to make the payment through an alternative method. Specifically, they stated : " XXXX XXXX Banking is experiencing a known issue involving credit card payments made online from external accounts. At this time there is not an estimated time of resolution. '' and " In the mean time you may mail payments to the address below, visit your local branch, or call us at XXXX. You can make payments through our automated system from your Regions deposit account, or speak to an agent to make your payment by phone. '' Instead of attempting to make another payment that day, I decided to wait and try to make payment again online, as I have always done, a few days later. That payment attempt was successful. Today, XX/XX/2019, I checked my checking account and found that it was overdrafted and that Regions had taken not only the second attempted payment, but also the first attempted payment, which they had specifically told me I would need to pay in a different way and that there was an error with that payment. I relied on Regions ' statements that the first attempted payment resulted in an error and that I was required to use a different method to make a payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32301
Submitted Via: Web
Date Sent: 2019-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/19 I deposited a check for XXXX from my husband account the funds cleared on XX/XX/19 was told there was a hold on the check because its a new account I deposited a new a check on XX/XX/19 for XXXX the bank is holding my funds and is refusing to give me my money and both checks cleared on the account it was written on.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2019-07-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/19 I attempted to contact the company regarding an unfair late fee and interest I was charged. On XX/XX/19 I had a bill for {$590.00} due and submitted my payment on XX/XX/19, but they did not process or consider processed until XX/XX/19. I was then charged a late fee of {$150.00} plus interest on it. I feel that the {$150.00} late fee is beyond unfair when I have always paid my balances in full. I asked if the fee could be waived and they told me nothing other than why there was a late fee on XX/XX/19 from XXXX XXXX. on XX/XX/19 I was then told the late fee could not be waived because it was waived prior. I re-explained that yes it was waived 2 times before but not to my fault. Previously I had submitted a payment in which you all said that it was rejected from my bank. My bank never rejected it and they wrote a letter stating such and I did a wire transfer for payment immediately to correct while I was out of town. It took you all a while to waive the original late fee which then caused a 2nd late fee and that is why 2 late fees are shown as waived, but due to no fault of my own. The same day they told me that the fee would no be waived I was told I needed to email a separate email to close the account. On XX/XX/19 I sent an email asking for the account to be closed and got a response from XXXX XXXX asking why I wanted to close my account. I told them why and on XX/XX/19 she responded stating she would close the account. Since then I have emailed several times to verify that the account is closed and if the balance was waived or owed or what and I can get no response. In addition if anything has been reported negatively to credit I would like it reversed, as I can no get into my account online and I have gotten no response to verify the account is closed and if they waived anything or a balance is owed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80022
Submitted Via: Web
Date Sent: 2019-07-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-12
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I checked my account online on XX/XX/19 and notice XXXX debit card transaction that I did not make. I called Regions ' Bank XXXX Customer Service Dept. The associate review the transaction and advise me that my debit card was compromised, she then immediately closed this card and is re-issuing another card with a new pin. I went to the local Police Dept. to file an official report and my wife went to XXXX 's Bank to see if we could get this reported to them and our money back. The customer service representative stated the items were in a pending status and there was nothing she could do until they post to the account and we could be looking at XXXX weeks. The fraud caused all of our money to be taken as well as future XXXX deposits from my vendors. I had planned a trip for my grandson this weekend as he is turning XXXX XXXX XXXX and have never been to XXXX. I have gotten absolutely NOWHERE with Regions, just there is nothing we can do. I told them that if the items are still pending, why can't they simply not pay them against the account. This is XXXX items totaling {$2800.00} and I have a total of {$280.00} in XXXX charges so when my XXXX deposit of {$2400.00} post to the account, because it is overdrawn it will absorb this money as well. The Tropical Storm is approaching and I don't have money to buy gasoline and Storm necessities. This is just wrong, that a financial institution can't do anything. I was told by customer service at the XXXX number, that they just missed this fraudulent transaction, because I did ask if they had anything in place that alerted them of out of country transaction. She further stated that perhaps I could " get a loan ''. I just need satisfaction of this most unfortunate issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-07-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-10
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Since the beginning of this year, Regions bank has deducted {$5700.00} in fees from my accounts which I feel have been excessive. I fell on some hard times financially and I admit that my accounts got overdrawn. However, over {$5000.00} in fees has caused me to keep being overdrawn thereby causing additional fees. It is a viscous cycle that I have no way to rectify. I am on a XXXX income from Social Security and can't put enough money in my accounts to overcome the {$5000.00} + in fees. I have called customer service, written a letter to the bank, complained on their messaging system and they have given me token refunds ( {$400.00} ) which does not address the real problem. If I continue to get fees, I will continue to be overdrawn. If I had the $ 5000+ in fees back in my account, I would obviously not be overdrawn. I feel Regions is being unfair to me and is not willing to address the real problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 359XX
Submitted Via: Web
Date Sent: 2019-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-10
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I went to the ATM at Regions bank on XX/XX/2019 around XXXX EST. I went to put {$290.00} cash deposit in the ATM to pay a bill with. When I arrived to the ATM, I put my card in, hit make a deposit, and put the cash in, as soon as I did, the screen went black on me, so I got on my app and it said the deposit went through, so I went on my way. I paid my bill with that half of that money that night. On Monday XX/XX/XXXX, it still showed I had about half that cash deposit in the bank. I used my debit card to buy a drink at XXXX on lunch, dinner at a XXXX restaurant, a small purchase at a grocery store, and then I had to get XXXX $ cash out the atm and still showed a had around {$30.00} still in there. On Tuesday XX/XX/XXXX I checked my balance ( I do it daily ) and It said I was in the negative XXXX and some change and that included 4 overdraft fees of {$36.00}. I freaked out and went down to the nearest branch to file a claim, lady at the bank, saw I made the deposit on her end, but it didnt show on my app anymore?! I made a claim and said it should be processed between 1-3 business days. Well with the XX/XX/XXXX being on Thursday, it didnt help much. I called on Wednesday XX/XX/XXXX to check in claim it still was in review, XX/XX/XXXX was of course a holiday so I couldnt call, Friday XX/XX/XXXX I called and still in review. While it was still in review on Friday I got my paycheck and with me being in the negative now XXXX for 2 other XXXX $ overdraft fees for using my debit card earlier that week, with XXXX, and grocery store. It took the majority of my check, leaving me with XXXX $ for 2 weeks until this was resolved! Im still late on rent and after the XXXX, my apartment charges a late fee, which was 10 % of rent. Plus I had to put some on utility bill and pay 1 more other bill!!! I wouldnt be in this mess if the bank didnt XXXX my money up. Anyway, The weekend I didnt call because it was not business days. Monday XX/XX/XXXX I called in the morning and lady at customer service center said still in review so I called the lady at the branch and she was out so I left a message for her to call me back and she never did! So I called that evening at customer service center and A lady I talked to was very rude to me about my situation so I just hung up and would call back in the morning. XX/XX/XXXX, I called at XXXX something in the morning EST. Lady who I talked to was the only person that actually helped me! She said the lady at the a bank didnt put the claim in correctly and so it didnt go through?! So if it didnt go through the first time, why were the other people telling me it was in review?! Anyway so I explained to the lady I was late on rent, Ive been charged a late fee, and that it was also my sons bday today and so she expedited my claim and I got a phone call from resolution center and they put my XXXX $ worth of fees in my account but still waiting on my claim to process throughout that {$290.00} so they can put it in my account or so they say. I have been so stressed out over this, Im a single mother of XXXX kids and I live paycheck to paycheck at the moment to pay my bills and make sure everyone is happy. I have lost sleep over this, my work performance has been poor due to the stress I have over this! This should have been resolved by now!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 377XX
Submitted Via: Web
Date Sent: 2019-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A