Date Received: 2023-10-05
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/2023, I noticed that I had an XXXXXXXX fee of XXXX after my nightly balance was XXXX in the positive. This left me with an XXXX. On XX/XX/XXXX I woke up and saw that I now had XXXX in XXXX XXXX fees. I contacted the bank immediately and they told me it was because my account was in the XXXX during processing times and after updates items that cleared and settled is what caused the fees. They then went on to show me where my XXXX was XXXX or XXXX between XX/XX/XXXX and XX/XX/XXXX. I explained each time I got a notification that my acct was in the negative I transferred funds to cover the XXXX balances, before the cutoff times and those funds were available immediately. I then went in to explain and show how my account was positive each time the fees were accessed. She refused to acknowledge said deposits or admit to any wrong doing on the banks behalf. She said as a courtesy they would waive the XXXX because I have a long banking history with them. I was not really satisfied but I didnt have the energy to continue to go back and forth over fees. The morning of XX/XX/XXXX I woke up to another XXXX in overdraft fees. I again contacted the bank and was told pretty much that even though I brought my account current fees were pending initially as well and that even though I made deposits when alerted to avoid any negative impacts they didnt really count towards some XXXX XXXX. grace period. My bank statements show each time a fee was assessed that it was in a positive standing. Granted it wasnt by lots but it was positive and I did my due diligence to ensure the acct stayed in the positive by transferring money to cover. Normally I do not fight this hard however I feel as if I am being robbed as a consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72034
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I received a XXXX credit card in the mail that I never applied for. It was delivered to an address I am associated with through work, but I would never use that address for any reason of my own. Additionally, the address is missing the street number. I'm not sure how it was determined to send to the correct property that my colleague would bring it to me. The name on the card references my maiden name but it is spelled incorrectly. The company listed under my name is a company I have never heard of before. Additionally, the word " ghost '' is listed in the company name. This card is a XXXX XXXX XXXX. I need this card removed from my records and for my reports to not be impacted by this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60005
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX I received a call from Regions Bank stating there was recent unusual activity on my account. I was shopping at XXXX which is located in the same plaza as Regions Bank so I told the representative of Regions that I was going to drive to the bank and asked him to hold on. I spoke to the teller inside my bank and she stated they dont call people if there is an issue with their account so I hung up with the representative. She looked at my account and told me that the day before 2 charges went through my account. I told her these werent approved by myself. She stated she would review my account and get back to me. Several days went by no response so I went back several times with no explanation as to what was happening. I filed a police report and police followed up with it and stated Regions said there was no such account number. I have been with Regions Bank since XXXX, my credit score is over XXXX, Im married, my house is paid off, Im retired and I dont have excessive amounts of card debt. The bank started to treat me like a criminal and eventually said they felt I was behind the charges and said I had to pay it all back. Im paying it back because I dont want my credit messed up and also because somehow this loan turned into HELOC and is attached to my home that is paid off. Please Im begging you to help me with this Im at my wits end with this and just want my name cleared. I think they turned me into XXXX for fraud.
Company Response:
State: FL
Zip: 34601
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33013
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I reached out to close the account after making a {$50.00} payment. Then, I was told I had to go to the local branch and close the account. It has been more than 90 days of inactivity, and the balance of the loan was {$0.00}. They sent me a {$50.00} overpayment loan check that is dated XXXX XXXX.
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: 2023-09-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: On Friday, XX/XX/XXXX, I noticed that I was charged a monthly fee of $ XXXX since XX/XX/2022 for a total of {$160.00}. I went to the branch office at XXXX XXXX XXXX XXXX, XXXX, TX XXXX on the same day and spoke with a Regions Bank teller with regards to the fees. I asked for her help if she could waive the fees as I didn't know that Regions Bank charged me $ XXXX without notifying me through email or via mail. The teller told me that she couldn't waive the fees and advised me to contact a customer service at XXXX. Today, XX/XX/XXXX, I called Regions Bank customer service and explained to her my situation that I was charged a monthly fee of $ XXXX with a total of {$160.00} since XX/XX/2022 or for 21 months. I spoke with the supervisor and asked her if she could waive all the fees as I didn't know that Regions Bank kept on charging me $ XXXX fees. She mentioned that my account was inactive as I never used my account and my statement was changed from monthly to quarterly. I never received notification from the bank for all of the information that she mentioned. She said she could only waive up to 3 month-fee, with a total of {$24.00}. I asked her if she could waive all the fees ( {$160.00} ) as I never received any bank statements or notifications from the bank either by email or mail and was not aware of the fees. She said she'd like to help me but her system would not allow her to waive beyond 3 month-fees. In light of this, I filed a complaint and asked for all fees ( {$160.00} ) to be refunded to my account as Regions bank never sent me any notifications, statements or account inactivity as a good faith to notify their customers so their customers can take an action immediately to prevent all the fees. I am not willing to pay for {$160.00} fees that could be prevented to begin with and please refund all the fees ( {$160.00} ) that have been charged to my account for 21 months. I appreciate your help to this matter. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX feet finder Contacted them and they said it had been authorized but these payments I have no clue about
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 378XX
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Getting the loan
Subissue:
Consumer Complaint: I received a welcome call about two weeks ago from Regions Finance about a loan recently opened, this alerted me to my identity being stolen. I went through XXXX to confirm my DL was found on a dark web search. I learn from Regions that they mail whats called a live check which is the same thing as opening a loan. This alleged check was then cashed in the amount of about ~ {$1800.00}. Regions said the account was opened using my DL number and a signature. Regions also read the signature to me on the phone and it clearly was not my signature. So I asked them to freeze and cancel or do what they can because I do not have any business with them, I have all my regular accounts through XXXX, car loan through XXXX XXXX, and a small personal loan through upstart. Regions refused any action, kept threatening my credit score, and wont take any action unless directed to by law enforcement. They continue to call, wanting me to fill out an involved packet that requires police report, notarized documents and affidavits, absolving them of responsibility. To recap, Regions Finance used my information to mail an unrequested/unwanted check and then used a stolen drivers license number and a forged signature to cash it. Its worth noting that this happened whilst my credit profile is on lockdown. XXXX. There should be no offers even generated. This is gross negligence on the part of Regions Finance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75254
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was a target of a scam where the criminals withdrew via XXXX {$4300.00} from my checking account. I am still unsure how the criminals were able to get so much information about my account including my latest withdrawals, address, etc. Because of the information they had and they were calling from a published Regions number on my caller ID, I did not question at the time. Presenting themselves as Regions fraud department they were asking me about debit card purchases which I informed them were not correct. I asked for a new debit card and within that exchange I had to verify through another robocall information that came through a Regions robocall. As I understand it now, through those calls I was authorizing the ACH transfer. Regions has told me because the transaction was with agreed upon security procedures, they will not return the money to me or accept my claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: We tried to go into the branch on XX/XX/2023 to close our accounts at Regions bank. The day after we tried to close all accounts, fraudulent XXXX charges appeared on my account that were not done by myself or anyone in my household. I called originally and reported the issue and was informed that the charges had to " post '' before we could dispute them. I waited until Monday XX/XX/2023 to call back once the charges were posted to my account. Then she said she was opening an investigation into the charges after we double checked that my last XXXX purchase in my history was for {$2.00} on XX/XX/2023. I received a letter in the mail that Regions found the charges to be not fraudulent even though they were not done by me. Now the overdraft fees for the charges are {$100.00} for charges that aren't mine and the account will not close. We have never had this happen before and it just seems a little suspicious that it happened right as we tried to move banks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70737
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A