Date Received: 2018-12-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: In early XX/XX/2018 my wallet was stolen. I had just gotten off work and went to my room at the motel i work at. While i was asleep i was unaware that my wallet had been stolen. I woke up and checked my bank accounts after i couldn't find my wallet. I found out that my card had been used 3 times. XX/XX/XXXX Card Purchase XXXX # XXXX XXXX XXXX TN XXXX XXXX XXXX XX/XX/XXXX Card Purchase XXXX # XXXX XXXX XXXX TN XXXX XXXX XXXX XX/XX/XXXX Card Purchase XXXX # XXXX XXXX XXXX TN XXXX XXXX XXXX So i cancelled my card online. I called the XXXX XXXX to let them know that my card was used fraudulently at there store. I told the employees i was comming into get this all straightened out. I video recorded the incident and all the store clerks could do was laugh at me. I let them know that legally by law they are obligated to verify the name on the card to state issued identification. Which the employees replied that they dont do that. And XXXX XXXX lied and said that wasnt there store that the charges had occurred at. So i made a police report on friday or Saturday evening just before monday the XX/XX/XXXX. I showed them the transactions that happened with the use of my card. And my friend XXXX and i went to a local XXXX to load one of his prepaid debit cards so we could go back to the XXXX XXXX and check and see if the store numbers that was attached with the transaction matched, which his transaction matched my transactions. So i informed XXXX XXXX that they had in fact lied and that the two individuals who were working second shift when i first went into the XXXX XXXX the same day the charges occurred and that i had video recorded and let them know they broke the law and that they lied too me. I had tired getting a hold of regions bank located in XXXX, tn by calling the XXXX XXXX number once i was finally able to get ahold of someone in the fraud unit i was told i had to wait until monday morning to report fraud. I gave regions the police report number and told the police when i made the police report to pull the video footage of the person using my card. In fact the XXXX police department didn't do their job and regions lied to the police department by saying my transactions were pin verified. I asked them to reopen the fraud investigation and regions refused. I have done much more then all the above things i have mentioned, but that is only to be revealed if i have to persue a lawsuite against both the XXXX XXXX and regions. Last night i went through all my back records and found out that regions had in fact lied to me, and the police department. Both charges were not pin verified but in fact my debit card was used as a credit card in which you have to sign for. Because regions has let enough time lapse and refused to perform their legal obligated duties. I want it to be known to the public that regions is a corrupt financial institution, and that their fdic insurance should be pulled so regions may not practice financially within the public. Lastnight was Sunday XX/XX/XXXX. Which i have an email that i sent to regions fraud department asking them directly for the investigation findings, and i will be paying for the police report i filed with XXXX police department so i can have their finding as well. That is to prove regions has completely lied and let a merchant who knowingly broke the law to get away with commiting a crime and covering up fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 374XX
Submitted Via: Web
Date Sent: 2018-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XX/XX/2018 I opened a credit card account with Regions Bank in response to a special offer. My first statement was due XX/XX/2018, I made a payment on XX/XX/XXXX of {$1100.00} which was total balance due. At that time I spent an unusual amount of time attempting to set up an Auto-Pay on the account. The site is balky and non- intuitive. I called the bank to make sure the account was set up for Auto Pay. That call took over 45 minutes of wait time to talk to a representative. I was told that the account was set to pay full balance on the due date from my account at XXXX XXXX. The second payment of {$70.00} was made on XX/XX/XXXX and another {$3.00} was paid on XX/XX/XXXX. Then the Auto Pay stopped working. I travel extensively in the summer and fall months, often with no phone or internet service available, which is why all my accounts are set to Auto Pay. On XX/XX/XXXX I discovered Regions had reported me delinquent having missed two payments for a total of {$11.00}. My credit score was decreased 129 points in one day. I called Regions and opened a dispute and paid the due balance. That reference number is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32780
Submitted Via: Web
Date Sent: 2018-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX has been non-compliant with removing the unverified account REGIONS BANK XXXX which has been deleted by XXXX and XXXX . XXXX and XXXX have both completed their research and determined that REGIONS BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63116
Submitted Via: Web
Date Sent: 2018-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-13
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/2018 I made a purchase to XXXX for {$5.00}. That transaction was pending on my account. At the time, I had enough money to cover the transaction. On XX/XX/2018, Regions rearranged the order of the transactions which cause me to overdraft my account by {$100.00} in NSF Fees and another {$15.00} for overdraft protection transfer. Regions took the {$150.00} check 1st and then split the XXXX purchase for {$4.00} and {$.00}, taking them second. Please keep in mind, I made one total purchase for {$5.00}. This caused all the fees above. The XXXX transaction should have been processed before the check. My card was used prior to the check coming through.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35126
Submitted Via: Web
Date Sent: 2018-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-12
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: My complaint is that Regions Bank conducts fraudulent business practices, specifically reordering of transactions and giving fraudulent account balance information. Also the Practice of Charging overdrafts on pending charges. I had a positive balance in account as of XX/XX/2018, made several transactions from account. Checked balance on the online bankling which showed positive balance after those transactions. Made an ATM withdraw which put account into negative status and understandably incurred one overdraft fee. Had a direct Deposit that would cover the one ATM charge that should have posted at midnight. Checked account onXX/XX/18 to find transactions reordered which cause my account to incur multiple overdraft fees instead of one fee. This is the second time this has happened. See conversation below for previous dates. ] > XXXX, Thank you for your response. My name is XXXX and I will be happy to assist you. I apologize for any inconvenience that this matter may have caused you. When a purchase or withdrawal is made with a CheckCard, those funds are immediately held ( or " frozen '' ). Purchases made with a CheckCard have been guaranteed to that merchant and represent goods or services that have already been received. This means that during processing each night, there must be enough funds available in the account to cover the items that are posting and the items that are still pending. The balance in the account before posting on XX/XX/2018 was {$19.00}. There was 2 transaction pending ( holding ) for {$16.00} and a deposit of {$35.00}, which left an available balance of {$38.00} for us to pay the items posting to your account that night. There were then 4 items presented for payment on the account totaling {$40.00}. We paid the items for you, but the account was charged the overdraft fee since the funds were not available to pay one of the items. Even though the funds were in the account, they were not available since they had been guaranteed to other merchants for the pending items. I know this can be complicated. To make things easier to understand, we provide a breakdown of your balance on this date ( or the date of any overdraft occurrence ), from your Account Details screen. All you have to do is click the green fee name in the description column. This will allow you to view the Overdraft Notice. While we understand that your Online Banking, Mobile Banking, and alerts are wonderful tools that assist you with your financial needs, we are unable to guarantee the alerts or balances will be made and reflect in " real-time ''. This is due to a number of factors which can cause delays such as service provider or carrier outages, merchant/bank processing, inbox filters, etc. Because of this, the only way to know what the true available balance in your account is, is by keeping a written log of all transactions and deposits for each account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 371XX
Submitted Via: Web
Date Sent: 2018-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-12
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Regions Bank charged me multiple times for checking my account at another atm. Which is understandable but they charge me too many times ; I only checked twice causing me to overdraft. Later I was charged for something that was supposed to have been declined.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38109
Submitted Via: Web
Date Sent: 2018-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-11
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I am writing to dispute the following information in my file dispute on the attached copy of the report I received. This item [ identify item ( s ) disputed by source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ] is [ inaccurate or incomplete ] because [ describe what is inaccurate or incomplete and why ]. I am requesting that the item be removed [ or request another specific change ] to correct the information. Enclosed are copies of [ use this sentence if applicable and describe any enclosed documentation, such as payment records and court documents ] supporting my position. Please reinvestigate this [ these ] matter [ s
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33196
Submitted Via: Web
Date Sent: 2018-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-11
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I received 2 OD fees on my Regions checking account on XX/XX/XXXX without my account going into an overdrawn status. I called customer service and they were only willing to refund one fee in the amount of {$36.00}. I have received several fees in the past that I didnt agree with on this account, but Regions were not willing to resolve. I am wanting a fee audit conducted on all of the fees assessed to this account from 2007 to present. Regions website will not allow me to go back to 2007 to provide all of the fees assessed to the account, and I am asking that the bank goes back in their system to view these fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2018-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I had two line of credits, its showing as a hard inquiries. I got the credits lines to build my credit but somebody told me I didn't need to have two credit lines to build my credit so I closed them out. I never even used the lines of credits. now I'm stuck with a hard inquire that wont seem to go away and its been almost 3 years now. i was young and trying to build credit but in the long process it hurt me because I closed them out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38104
Submitted Via: Web
Date Sent: 2018-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-10
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: XX/XX/2018 they said i missed a payment. I have not missed a payment in XX/XX/2018 till this time. I'm a XXXX XXXX and I'm in the process of buying my first house. But it wont allow me to because my credit score is to low. This is a good will letter, to clear all the late reports off my credit with this credit card. reporting to all 3 creditors.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38104
Submitted Via: Web
Date Sent: 2018-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A