Date Received: 2019-02-03
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: XXXX XXXX I noticed that there were several unauthorized charges to my card and I notified Regions Bank and XXXX. I was told to allow the pending charges to clear and I could dispute them along with the other charges that totaled {$930.00}. I received specific instructions from Region how to handle a situation of this nature in XXXX and the next month when I became victim I followed all the procedures I contacted the bank the same day I noticed. All the transactions occurred between the XXXX and XXXX of XXXX I cancelled my card contacted XXXX and informed them of unauthorized charges which had happened for the third time with their company. I was told by Regions I would receive paperwork as to why my dispute was denied over 5 times and as of today XX/XX/XXXX I have yet to receive any evidence that an investigation was ever attempted. XXXX admitted my account may have jeopardized yet refused to refund my money. This whole situation was even publicized on the Alabama news stations and other banks vowed to refund customers their money. Regions has been dishonest and unprofessional and violated their own written polices and procedures.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35215
Submitted Via: Web
Date Sent: 2019-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-03
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I tried to rollover two separate IRA accounts. The IRA 's were suppose to be sent electronically from XXXX XXXX XXXX, to Regions Bank. One account was accepted, by having a required disbursement made and deposited into a CD account. The remaining amount that the disbursement was made from, was then supposed to be comingled with the other IRA & made into one separate IRA rollover. Regions documentation shows transfer was accepted, however the account that was set up, was cancelled, because Regions states " the account had not been funded ''. Then XXXX XXXX states " they sent a check to Regions. However, that check has not been deposited and account opened, This took place XX/XX/2017, the amount was 20,000 plus.
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: 2019-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-02
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I XXXX XXXX have hired a local attorney to help me restructure my personal and corporate debts without filing for bankruptcy. I am attaching a copy of the first cease and desist letter mailed out XX/XX/2018. A second cease and desist letter was mailed out two weeks later. However, my phone is still being flooded with text messages and calls from several creditors. Therefore, I want to end these calls and have the proper procedures followed in the process followed where my attorney will fulfill the final negotiations process. Some of these creditors are either assigning the collection process through a third party, and the cease and desist still follows to the third party in all exceptions based upon the Fair Debt Collection Practices Act. Accordingly, I am filing these complaints with the Consumer Financial Protection Bureau as a means of stopping all collection practices directly to me immediately. My only objective with these complaints is to cease all collection calls and text messages to me at my cell phone of place of business.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33169
Submitted Via: Web
Date Sent: 2019-02-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-02
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: In XX/XX/XXXX, and the week of XX/XX/XXXX I attempted to get a mortgage loan for a house and then a personal loan. In both cases the bank that i bank with and that receives my bi weekly pay check denied me the ability to get either. In XXXX I tried to get a mortgage for a home but Regions bank in XXXX ga onoy gives our home loans above XXXX. However that is significantly more than is required for a starter home in the area I am looking XXXX. So in XXXX I attempted to get a personal loan but qas still denied because of lack of credit history. However i have a good cresit score, no bad debt, and paid of student loans. Additionally, the amount i requested from Regions was less than the amount of money I hold in their accounts. I just needed it because the home purchase would be a significant endeavor requiring the money. I have all right pieces but have still be denied. The only reason they can site is lack of credit history, yet I am unable to access credit to build credit history. I believe this is a pattern of behavior with this entity from my conversations with others. Also, it seems to be intentional that they will not lend to be based kn my age, race, and the area in which I am trying to buy. Also, they wont provide any documents stating this but it has been all verbal which makes this hard to fight or challenge in any way.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31707
Submitted Via: Web
Date Sent: 2019-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX my husband was balancing our checkbook and noticed two pending charges to XXXX XXXX that we did not make. One for {$120.00} made on XX/XX/XXXX and another for {$310.00} made on XX/XX/XXXX. Because it was on my debit card he called and verified with me that I had not made the purchase. At that time he called Regions bank. He was told two things, first that although we are joint account holders he was not able to call about this matter because it was involving my debit card and secondly he could not dispute a charge that was pending. ( This is my first point of frustration that we were told to sit and wait until the charge had gone all the way through BEFORE we could dispute the matter. ) After the first charge of {$120.00} cleared I called and immediately disputed the charge, after the second charge of {$310.00} cleared I called immediately again to dispute this charge. The bank initially refunded my account but sent a letter explaining that they would investigate the situation and then make a finial decision. I heard nothing for several weeks. On XX/XX/XXXX I checked the mail and found a letter from Regions stating that they had completed their investigation and had evidence that I either made the purchase or had received merchandise from the purchase, and Regions would be debiting {$310.00} from my account on XX/XX/XXXX. Due to the weekend and XXXX day I was not able to get to the bank until XX/XX/XXXX. The lady at the bank was able to show me the supporting documents that the bank used in making it decision. XXXX XXXX had a receipt from an online purchase that had been made using my name and address, and my debit card number. The email address was not correct and the merchandise was sent to another state. Besides the fact that I did not make and/or authorize the purchase the really confusing part is that the document they had was for the {$120.00} amount ( which they did not debit from my account a second time ) but instead they debited the larger amount of {$310.00}. So, if their claim was that the document supported their right to take funds, it should have not been for the {$310.00} amount but instead for the amount show on their supporting document. While I was at the bank I was wanting to talk to someone in their fraud department. The woman at the bank dialed the number and put it on speaker phone in which we waiting over 1.5hrs and NEVER got anyone to answer the phone. The called was never picked up and then the call just stopped ( we never hung up, it just stopped with the waiting music, rang once and hung up ). The bank lady put in a " ticket '' which reopened the fraud claim. I also wrote a letter explaining that I did not make or authorize either transaction. Leaving the bank 3 hours later with no resolve and not being able to speak to anyone who had any authority to do anything was frustrating to say the least. I therefore went to the police department and filed an incident report on the matter of someone using my card fraudulently. On XX/XX/XXXX after hearing nothing back I called the number that was on the bottom of the last letter I got. I sat on hold for 15 minutes before anyone took my call, I gave the lady my information and she put me on hold again and then ( I am assuming it was by accident ) she hung up on me. I called back and finally was able to communicate with someone, she basically told me that the claim had been reopened and that someone in the fraud department would review my claim and let me know their final decision. I received a letter on XX/XX/XXXX again saying they have determined not to provide any credit to my account in the amount of {$120.00}. However they have never taken that amount out of my account. Things are not adding up. In conclusion : 1. I never purchased nor authorized the purchases to XXXX XXXX. 2. I tried to call the bank as soon as the transaction came across but was told we could not dispute a pending charge. Had we been able to dispute the charges initially it might have stopped the transaction all together. 3. I am never given a chance to communicate with anyone in a position of authority, but instead have only been able to speak with people that pass my information along to the decision makers. 4. The banks supposed supporting documents are for the charge of {$120.00}, however they debited the XXXX XXXX charge of {$310.00} 5. I am completely frustrated that someone used my card fraudulently and I have no voice at the bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 724XX
Submitted Via: Web
Date Sent: 2019-01-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-29
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have repeated told them I have had some medical issues arise, I have been put on XXXX, I am aware of the debt and to please stop calling multiple times daily as it doesnt help get them any money or help me get better where I can work and pay my debt. Very nasty individual called today speaking to me like a 2 year old. I may be sick but I am not a child
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2019-01-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-27
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: My checking account at Regions bank has been hacked and Regions has not provided any protection of my funds which has shaken my confidence in the banking system. I am a college student and have very few transactions in my checking account. Starting in XX/XX/XXXX, there were numerous fake deposits and wires on uncollected funds. Here are some of the fraudulent larger transactions that caused me loss : On XX/XX/XXXX ( Friday ), a mobile deposit for {$1400.00} was made, on XX/XX/XXXX ( Monday ) a mobile deposit for {$2900.00} was made, and on XX/XX/XXXX a {$500.00} mobile deposit was made. Those items were returned because they were fake and I was charged returned item fees of {$15.00} for each. Copies of the returned items were sent to me. They are checks written to me from XXXX XXXX in Tennessee. I dont know any XXXX XXXX and did not make those fraudulent deposits. In addition, they dont appear to be properly endorsed. Prior to those items being returned, Regions processed a XXXX XXXX transaction for {$990.00} on XX/XX/XXXX, a XXXX XXXX transaction for {$990.00} on XX/XX/XXXX, and a XXXX XXXX transaction for {$990.00} on XX/XX/XXXX. I have never used XXXX XXXX for anything. We called XXXX XXXX and they informed us that money was wired to XXXX XXXX in XXXX. I dont know anything about XXXX or anyone there. When I returned to my home from XXXX holiday, Regions had sent me a copy in the mail of one of the returned items. I immediately ( on XX/XX/XXXX ), the next day that the bank was open, went to the local Regions Branch and reported all of the fraudulent transactions to the Customer Service Rep and completed a list of the unauthorized transactions. At that time, we requested that all transactions on that account to be frozen, nothing in and nothing out until we could figure out what happened. We also opened another account. Regions sent a letter dated XX/XX/XXXX stating that their research indicated that I allowed my ATM card and PIN number to be used by another individual and held me liable for this fraud. On XX/XX/XXXX, Regions allowed another fake deposit to be processed in that frozen account totaling {$2900.00} and on XX/XX/XXXX a fake deposit was processed for {$2100.00}. This time whoever is committing the fraud transferred the uncollected funds to the new account and tried to set up a payment for {$3300.00} to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX. I logged into my account on Sunday XX/XX/XXXX and realized what was happening and stopped that payment because it had not been processed by Regions yet. I dont know anyone named XXXX XXXX and did not make those deposits or set up that payment. The fake deposits were returned and I was charged return fees and overdraft fees. So after we froze the account, Regions allowed deposits and transfers to be made. On XX/XX/XXXX, my mother, who is a signer on the account, returned to the branch to dispute the findings in the letter and to open a new investigation for the fake deposits and transfers ( that Regions allowed in an account that should have been frozen ). She also went on XX/XX/XXXX, to find out that there were no additional notes on the account from the fraud department and was told that they ( the fraud team ) was probably gone for the day at XXXX and that theyve been very busy lately. My mom received a phone call from the local bank rep on XX/XX/XXXX for an update, and was told that she was not able to get in contact with the fraud department, meaning no new information or that any notes were notated in my file. On XX/XX/XXXX, the Customer Service rep at the branch called and indicated their investigation found me liable for the transactions again. She stated that because this happens often in student accounts and that the bank believed that my info was given instead of stolen that they would not reopen the investigation and it was over ; there was nothing else that they could do at the bank level. She did not offer any explanation in writing, nor have they been able to produce any connection between me and the depositors/wire transfer receivers. She said all of my money was gone and I owed the {$1400.00} for the overdraft created by this fraud and that they would report me to the credit agencies if I didnt pay. I have always been told that a bank is a safe place to keep my money. I did some research and read the Electronic Funds Transfer Act ( EFTA ) which appears to provide some protections from this situation. I dont believe Regions is in compliance with this regulation. They didnt provide a determination within 10 business days ( part 908 ( a ) ( 3 ) ) of notification for the transactions that occurred on XX/XX/XXXX and XX/XX/XXXX with notification on XX/XX/XXXX. They notified me on XX/XX/XXXX which exceeds the 10 business days allowed. I dont think they made a good faith investigation of the error and I dont think that because I am a student is a reasonable basis ( part 908e of the EFTA ) for holding me liable. I didnt originate any of these transactions and dont know how my account was hacked. I have no connections with any of the people, whether depositing or removing any funds. My account had very few real transactions ( 3 in 2 months, 2 being mobile deposits with properly endorsed checks with my signature, not signed as cash as in the fraudulent checks, and 1 debit at a gas station ), and it is really disappointing that Regions internal controls are so weak they didnt provide any level of protection. It makes me wonder how susceptible this federally insured institution is to money laundering and fraud. The fraud department did not catch this, they just returned the fraudulent items with no investigation until I initiated it. There were other smaller fake transactions, deposits and withdrawals, which occurred earlier during the month of XX/XX/XXXX which should have alerted the fraud department that something was wrong. I disputed those transactions also.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31763
Submitted Via: Web
Date Sent: 2019-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-27
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XX/XX/XXXX I had sent {$410.00} from my bank account using XXXX transfer on XX/XX/XXXX using receivers phone number. The money never received. It is being shown as payment coming in receivers account since last 6 weeks. The sending bank confirmed that the XXXX transfer was misdirected and money was deposited into wrong account. The sending bank is refusing to to put trace on sent transfer or work with XXXX to get money back. All attempts to get a refund from sending bank are in vain.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47906
Submitted Via: Web
Date Sent: 2019-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-24
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I filed a previous complaint about missing funds. A charge was made in the amount of XXXX from XXXX XXXX on XX/XX/2019. I wasnt at the gas station that day.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2019-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My credit report was pulled without my consent with this company and I requested for it to be removed. I know I dont recall authorizing this inquiry and I do understand that they shouldnt be allowed to put an inquiry on my file unless I authorize it. This is infact causing damage to my credit. I didnt sign anything giving them any permission to pull my credit nor did they tell me they were going to pull my credit and nor did I authorize them to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64118
Submitted Via: Web
Date Sent: 2019-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A