Date Received: 2019-03-27
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: XXXX XXXX. I received a letter from Department of Supervision and Regulation. Consumer Compliance. In XXXX & XXXX I learned that Tax Identification numbers were created on me, without my knowledge. I only have the last four digits of each identification number 's. One was used in the bankruptcy court in XXXX. This is how my mail was being stolen. My personal information was being used as though I had a business. The last four digits of the EIN # is XXXX. The name of the company is called XXXX XXXX XXXX. The second EIN # is XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX , my late father. The EIN was created XX/XX/XXXX with XXXX. My father was deceased at that time. My personal information was linked to that EIN account. Please notice the envelope reads XXXX XXXX XXXX. XXXX XXXX is listed. XXXX XXXX and her sister XXXX XXXX put their mother in a nursing home. They are now abusing her retirement benefits. The address shown on the envelope was sold by the sisters in XXXX. To avoid authorities. The account I had with Regions Bank I made my sister, their mother my beneficiary. The address is XXXX XXXX XXXX XXXX TN XXXX. Their mother had a XXXX and is a XXXX. They chose to put her in a nursing home to take her retirement. They abused my personal information also.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 381XX
Submitted Via: Web
Date Sent: 2019-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-26
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I had an account with Regions Bank ending with XXXX. I wrote checks to XXXX XXXX in XX/XX/2011and I am requesting copies of those cheeks in the amount of {$1000.00}. I am requesting copies of those checks, because I wrote two for the same amount for two reasons.. One was for child support and the other was for bankruptcy. I need copies of those checks sent to me. I also need copies of checks sent to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. Payments were made via wire to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 381XX
Submitted Via: Web
Date Sent: 2019-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-26
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Hello, On XX/XX/2019, I applied for a line of credit with Regions bank for {$40000.00}. The home does not have any liens associated with it nor does it have a mortgage. I was declined for the line of credit due to my credit. However, I met the score requirements and the other requirements for approval. Furthermore, I contacted the mortgage division through phone and the rep stated " The amount of the loan was too much for my property. '' No one did any comps on a property in two hours in order to make that determination in such a small amount of time. My banker even responded with a lower number, the underwriter still did not approve it. Once again the banker and the mortgage division rep stated the same thing, " it's your credit. '' It's no way my credit was an issue, because I met the requirements. I truly believe Regions declined my line due to the fact I was XXXX and staying in a predominantly XXXX area. The fact that the underwriter did not respond with a lower number, further lets me know something is not right.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30344
Submitted Via: Web
Date Sent: 2019-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2019, I was in XXXX XXXX XXXX, XXXX while returning to my hotel i got into a cab and then the driver proceeded the wrong way. Soon after he stopped and a second man entered the back seat and put a burlap sack over my head. Then took my belongings which were My I-phone, and Phone case which contained my Dr Lisc., Regions Bank Debit Card and XXXX Credit Card . Then they drove around while accessing my phone via facial recognition getting into my accounts and asking me questions like passwords and pin numbers and how much money is in my accounts. After they were satisfied they drop me off on a random road about 30 min drive from my hotel. I then ran down the street looking for a gas station or somewhere to call my hotel ( XXXX XXXX XXXX XXXX XXXX ) at this point that's all i thought i could trust to pick me up. As i had no money or ID on me anymore. I found a gas station the worker was really helpful as he didn't speak any english but realize i was in distress and not from the area he let me use his cell phone and looked up the hotel phone number to call. Hotel picked me up and took me back upon reaching the manager on duty around XXXX XXXX was there and told me get some rest and when i wake up he would have the head of security ( business card attached ) to escort me to the police station and translate my story to them. ( XXXX Police report attached ) When able to gain internet access, I saw that my Regions account was emptied and cancelled my ATM card. I have repeatedly contacted Regions Bank but have only received two identical form letters ( attached ) as a response. Both letters denied my claim and stated " Transaction verified with your card credentials. Transaction passed fraud analysis '' I have requested further details as to why the claim was denied and discuss with a manager but have received no response after 3 phone attempts and one visit to a local branch Although the fraud was reported in less that 48 hrs. ( Regions email attached ) I have been unable to find anyone to help in resolving this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32312
Submitted Via: Web
Date Sent: 2019-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Comdata Universal Mastercard - BUYER BEWARE!! Have been using Comdata Universal Mastercard fuel cards for the last three years in my XXXX XXXX delivery business. For the last 7 weeks they have been adding a high risk transaction fee of {$75.00} per week to my invoice along with a {$22.00} per week fraud protection fee. I call to have it removed which they do, telling me that is a mistake. Each week I have called again and again. Now I am very frustrated because they can't fix the recurring problem and it take 20-30 minutes on the phone each week to resolve. Needless to say, I am looking for another fuel card service provider.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85255
Submitted Via: Web
Date Sent: 2019-03-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Ive never banked with regions before so I shouldnt even have a closed account with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32811
Submitted Via: Web
Date Sent: 2019-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: I purchased tickets to a hockey game online. In order to pay, I had to make an electronic payment. As such, I used the service my bank, Regions Bank, compels me to use, XXXX. After making the transfer, I never received the tickets. Neither the bank, nor XXXX, would reverse the transfer. Worse, neither company would provide information that would assist me in helping law enforcement with identifying the scammer. Regions pointed the finger at XXXX, and XXXX pointed the finger at Regions -- both claiming they have no idea who they paid the money to or what accounts or bank the monies may have been deposited in. Regions Bank only recorded the fraud after I insisted that they make a report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34219
Submitted Via: Web
Date Sent: 2019-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-16
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: Purchased sample XXXX products. The next month ( XXXX ) I was charged {$89.00} and {$89.00} for products that were not received. Notified Regions bank that they were not authorized transactions. The bank said they would file a dispute. Tried to contact the company charging my account but could not find out who they were or a phone number or email address. Now it happened again in XXXX. Same amounts. Regions bank customer service now states that there is no dispute filed on the XXXX transactions and that they can't do any thing about the unauthorized transactions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 42003
Submitted Via: Web
Date Sent: 2019-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-13
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I moved out of Regions ' geographic area and so I needed to close my account via phone. 1 ) My first attempt was on XX/XX/XXXX. The woman on the phone appeared to handle everything appropriately, consolidated my checking and savings accounts, and let me know that my account would close in 2-3 business days and that I would have the cashiers check for the remaining balance within 7-10 business days after my account closed. Unbeknownst to me, Regions apparently has a policy that they can't close an account with over {$1000.00} in it over the phone, so my closing was rejected. No one from Regions attempted to contact me to inform me of this, despite having my phone number, email address, and mailing address. 2 ) My second attempt was on XX/XX/XXXX, by which time I had realized that something had clearly gone wrong. I again called the Regions customer service line and spoke with XXXX ( a different representative ) who let me know their policy about closing an account via phone with over {$1000.00} and apologized profusely that no one had told me and that no one had contacted me. 3 ) I then transferred money out of my account to bring the balance down to {$550.00}, so that the account could be closed. This balance was further reduced as of XX/XX/XXXX, as Regions had the audacity to charge a maintenance fee for not meeting the account minimum balance for it to be free. 4 ) On XX/XX/XXXX, I called Regions a 3rd time to close my account. I was promised that the account would close between 1-2 business days, although my account did not formally close in their system until XX/XX/XXXX, a full 4 business days later ( I was logging in to check every day ). 5 ) I was then out of the country for an extended period of time and assumed that I would have my check waiting for me when I arrived home. This was not the case, so I made my 4th call to Regions on XX/XX/XXXX. I spoke with XXXX, who let me know that my check should have been issued and she referred me to XXXX XXXX, a manager within the XXXX regional office. 6 ) XXXX called me on XX/XX/XXXX to verify my address and promised a call back the next day. I called her on XX/XX/XXXX after the close of the business day and left her a voicemail, since I had not heard from her. She called me back that evening to let me know that she was still waiting on an email response from someone else and that she would update me when she could. She also informed me that there was another person 's check that they had never received from that same day, questioning if perhaps there had been some issue at that office. 7 ) XXXX and I spoke again on XX/XX/XXXX when she informed that in order to get a new check issued, I would have to sign and notarize an Indemnity Form stating that I had never received the original check and mail it back to their office and only then would they issue a second, replacement check. I questioned why this was necessary, given that they could see that the check had not been cashed and they could simply cancel the check, but I was assured that this was the only way. 8 ) XX/XX/XXXX, I left XXXX a message because I had still not received the Indemnity Form nor the check. I never received a call back from XXXX. 9 ) On XXXX, I left XXXX another voicemail. She called me back and informed me that she had sent a follow up email to the person responsible for sending the form, but that the records show that it had been sent via certified mail on XX/XX/XXXX ( 8 business days ago ). As of today ( XX/XX/XXXX ) this was my last contact with XXXX. 10 ) Frustrated by the continuing situation, I sent an email to Regions general customer service mailbox on XX/XX/XXXX. I received a response the next day ( XX/XX/XXXX ) informing me that I would have to use their secure email server in order to discuss anything with my account. I attempted to log into Regions customer portal but my account is no longer active because it had been so long since my account closed. Email was no longer a viable means of contacting Regions. 11 ) XX/XX/XXXX, I called the Regions line for 5th time ( excluding my phone calls with XXXX ) and spoke with XXXX. He was very helpful and sent an email to a supervisor while we were on the phone together. He informed me that a supervisor would reach out to me the next day but that I should call back to check on the status within 1-2 business days. I did not receive a phone call from any such supervisor on XX/XX/XXXX. XXXX also confirmed that my address had been changed in the system, an action that required him to ask me several questions to verify my identity ( former addresses, family ages, etc. ) I bring this up because this is the first time in this long process that anyone has done this and it struck me as odd that this step would be required now, when I had previously verified my new address multiple times with various other representatives. As of XXXX on XX/XX/XXXX, I have not received any further contact from XXXX XXXX, I have not received any follow up call from another supervisor, and I have not received either the original cashiers check or the Indemnity Form. I have been actively trying to close my account for 3.5 months and my money has been in an inaccessible limbo for over 2 months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22314
Submitted Via: Web
Date Sent: 2019-03-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-12
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: On XX/XX/XXXX, my Regions Bank card wasn't working. Nor was my wifes. ( same account ) I called the branch and was told I need to come by. Turns out that on XX/XX/XXXX, 3 fraudulent checks were written on my account that I've owned for 30 years.The first check was to XXXX XXXX XXXX. Only {$74.00}. They then had printed checks made with MY account number and a name of a woman in XXXX. XXXX MN. XXXX XXXX name was on the check with my number and she then wrote 2 checks drawn from my account on same day ( XXXX ) Each check was for {$18000.00}. I never had a call to verify anything. In fact I wasn't informed until I called a week later. I never write checks like that! I've filed a complaint with Regions and NOTHING has happened. I'm out my money for 3 weeks now. No apologies, no money. I have opened up a new account so I could begin moving credit card and direct payments over. Regions never actually FUNDED the account. I've made numerous calls and waited in the office an hour while banker typed. Nothing is in there yet. I can't withdraw the remaining {$40000.00} in my account as withdrawals are frozen. How did XXXX XXXX get my account number and then put another persons name on that account? I think someone at Regions is involved and nobody is talking ... They won't even tell me where the checks were cashed. They said " we don't know ''. I also wonder why I wasn't called when someone in a state I've never been in presents 2 large checks. I've been called for a {$200.00} check I've written to a yard service with XXXX sounding names ... but 2 checks for {$36000.00} doesn't set off a bell?? I'm getting nowhere from a totally unresponsive Regions. XXXX Police Dept was notified day one. Since checks were evidently cashed in Minnesota, they say it's their jurisdiction and not MPD. I've sent affidavit to XXXX. XXXX MN. Heard nothing yet. I need help. I'm fortunate enough to survive with a couple months of salary missing but I know most Americans aren't so lucky. They'd be looking at BK or ruined credit at best.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 381XX
Submitted Via: Web
Date Sent: 2019-03-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A