Date Received: 2017-01-05
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: I had some charges pending on my account and all banks process between XXXX to XXXX the next morning. I had a direct deposit pending on my account when I log in at XXXX on XX/XX/2016 and the charges were still pending. I said okay my deposit will hit so I am good. Was wrong the bank gets over and charges me 2 fees on the account when the deposit was there. They are wrong for this practice to get over on consumer and make money. Regions is the only bank that does this and I do n't think its right.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-03
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: Over the XX/XX/XXXX holiday, my Regions XXXX Debit card was hacked and over {$1000.00} of unauthorized purchases were made using the card. Of course, the bank was closed for 3 days during the holiday and would not allow a dispute be filed until the charges " posted ''. Did you know, Regions does not immediately put the money back into your account, pending an investigation like every other bank in this country does. There is a XXXX waiting period and they do n't make exceptions. Did you know they do not issue temporary bank cards ( bank personnel told me they are not that technically savvy! ) The also do not have courtesy checks for a customer to use when they ca n't get a temporary bank card - according to my " personal banker '', Regions had too much " fraud '' that way ... .. REALLY?? In addition to a XXXX day delay, they start hitting you with NSF charges even though my legitimate charges came BEFORE the unauthorized charge. Regions chose to hit me with approx. {$250.00} in NSF charges. Since the bank took an additional XXXX day New Years holiday there was no way to get any money out of my bank. My direct deposit paycheck was taken by the bank to cover the charges including the NSF fees. I am closing this account as soon as I can change my direct deposit to another bank. I would NEVER under any conditions open an account or recommend this bank to anyone!! As for my Regions " personal banker '', I want to thank you for nothing and a special thank you to the bank XXXX who refused to reimburse me the NSF fees knowing that I have never over-drafted my account and the fees were incorrectly charged. And please change the automated message on your voice recording saying Regions has the highest customer satisfaction rating of any bank. You MUST BE JOKING!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37172
Submitted Via: Web
Date Sent: 2017-01-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-02
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: On XX/XX/2016 I was charged XXXX NSF charges in which I should have only been charged for XXXX. A XXXX dollar charge was presented which left me XXXX positive after which a charge of XXXX came in from XXXX which caused me to overdraw my account. However, with the extra charge of XXXX dollars caused my account to have a domino affect over the next few weeks which caused over XXXX dollars in overdraft fees. I went back farther in my account and this is not the XXXX time they have done this but this time it just caused a lot of problems and was very inconvenient being that it all happened during the holiday season
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35235
Submitted Via: Web
Date Sent: 2017-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-31
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: This is a formal complaint against Regions Financial Corporation in regards to an incident that occurred on XX/XX/2016. I have been a loyal Regions Bank customer for over twenty years. I am very disappointed that Regions chose to disregard my years of patronage as well as my financial security. I feel like I have been violated, not only by criminals, but also by Regions Banking personnel as well. On XX/XX/2016, at XXXX CST, I went to the Regions branch on XXXX XXXX in XXXX, TN to make an ATM withdrawal of {$40.00}. Upon completion of my transaction, I received my receipt and noticed that my balance was substantially less than what it should have been. There was {$16000.00} missing from my account balance. I immediately proceeded into the bank to inform banking personnel. I first informed a banking teller. I told her that something fraudulent had taken place on my account, because I just withdrew {$40.00} and my balance is showing a decrease of an additional unauthorized {$16000.00}. She asked me did I have my ID and the receipt, which I gave to her. Then she looked up the information in her computer and confirmed that there had been a transaction that decreased my balance by an additional {$16000.00}. I asked her did she know what happened, because I did not authorize the transaction. She then referred me to speak to a banking specialist because she did not have that information. So, I went and sat in that particular waiting area. After a couple of minutes, XXXX XXXX asked me if I needed any assistance. Once again, I informed banking personnel, XXXX, of fraudulent activity seeing that my account balance had decreased by {$16000.00} that I did not authorize. He responded with, " Oh my, let me see ''. So, he walked over to his desk and returned and said that another banking personnel, XXXX XXXX, would assist me because, and I quote, " I have already clocked out ''. He also stated, " XXXX XXXX is finishing up with another customer and should be with you shortly ''. I waited for another five minutes and XXXX came to assist me. After he took me to his workstation, I informed banking personnel, XXXX, again that fraudulent activity had occurred on my account. I told him that I just withdrew {$40.00}, and my balance showed a decrease of an additional {$16000.00}. He said let 's look at your account and see. After I gave him my information, he pulled up my account on his computer and asked me if I knew XXXX I informed him that is my mother. Upon reviewing my account, XXXX alleged that my mother authorized the transaction. I adamantly denied that neither my mother nor myself authorized the transaction. While discussing this concern with XXXX I did call my mom and she confirmed that she did not authorize any transaction of this amount ( {$16000.00} ). Even though both my mother and I stressed that this transaction was unauthorized by either of us, XXXX insisted that no fraudulent activity had occurred. XXXX then assured me that my money was fine. He said, and I quote, " You can go home and sleep in peace. Your money is not gone. It is simply in another account. '' He did not put any alerts or anything on my account, because he said it was fine. At that point, I trusted XXXX at his word, that everything was okay. As a result of this negligence from Regions banking personnel, XXXX, fraudulent activity continued to occur on my account the following day. On Friday, XX/XX/2016, I found out my account balance was missing an additional unauthorized {$21000.00}. It has been over three weeks since this fraudulent activity occurred, and I still have had no resolution, and no recovery of my funds. Regions Bank has made me feel as if I do n't matter nor does my financial relationship that I have established with them for over two decades. I am extremely dissatisfied, disheartened by the lack of sensitivity, urgency that Regions has shown in this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2016-12-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-30
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: I 've banked at ( Regions Bank ) for almost 14 years and I have been overlooking some questionable practices until today. I call, talked to a Bank Rep to " Stop and Payment '' on two ACH 's that was being brought to my checking account a week later. Regions got the fees that same day I requested the service. I allowed enough time to stop the payments but on the following XXXX, the payments was not stopped. I call Regions and the Rep was nasty ( attitude wise ), so I requested to speak with a supervisior. The supervisor refunded my fees but the payments went through and made my account overdrawn. I was told by the supervisor that the Rep did not complete the paperwork to have payments stop. XXXX! Anyway, Regions has inconvienced me right before XXXX weekend. As soon as Im able, I will be Banking elsewhere.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77573
Submitted Via: Web
Date Sent: 2017-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-30
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: On XXXX XXXX 2016 with a starting balance of {$70.00} I made a cash transfer from a regions account of {$600.00}. On XXXX XXXX I made another transfer into the account of {$100.00} to bring the cash balance to {$770.00}. I then proceeded to make purchases of {$580.00} and the bank conveniently charged me {$140.00} NSF OF Fee plus {$15.00} OD protection fee leaving the account with a balance of {$33.00}. Other transactions totaling {$130.00} were processed after that and then over drew the account {$99.00}. The bank then charged more fees of {$210.00}. Had the bank not charged me {$150.00} worth of fees then the other {$130.00} transactions would have been paid without any fees. In essence the bank robbed me of {$370.00} for having money in my account. I called their customer service department and they told me they can not give me a courtesy refund when it was clearly a bank error.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76063
Submitted Via: Web
Date Sent: 2016-12-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-29
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: Regions Bank of XXXX, GA has allowed my estranged husband access to my personal checking account without my authorization. They provided a receipt to him with after he made a deposit to that account. I have requested that NO ONE be allowed to access my account in ANY WAY without my authorization and was refused this, the bank stating anyone can deposit money into my account if they provide an account number. He does have the account number as I was required by law to provide it to him, but it was not to be used by him at any time. This was also discussed in a legal negotiation in which he was told this was n't permitted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32712
Submitted Via: Web
Date Sent: 2016-12-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-28
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: After my Fathers death mid XXXX, my mother and I tried to regain control of an account managed by him for which my mother and me are currently co-owners. My parents are international customers living in XXXX, I live in XXXX. For that account a card was existing but the ATM pin was unknown and no cheques were existing. It was nearly impossible to contact the bank throughout several months as a key number ( social security number ) is needed to make the phonecall and all known personal contacts at the bank branch were not responding to emails/phonecalls. We managed to get through on XXXX XXXX to the branch and the director agreed to send to XXXX a card and a cheques book to regain control of the account. Nothing ever arrived. We managed to get through again on XXXX XXXX through the XXXX number and the person attending agreed again to send a card and cheques. Nothing ever arrived. Between mid XXXX and mid XXXX, all money in XXXX different accounts was spent from XXXX XXXX XXXX XXXX using a single card. In order to do this also money was transferred between accounts within the bank ( from an account for which no card was existing to the one that was accessible via the card ). The card number and type used is still not known to us as the bank has refused to provide any information. We ( my mother and me ) traveled to the branch personally and placed the claim personally. After less than one week, we found out that the claim was denied. After this, I reviewed the claim to figure out that it was wrongly formulated and requested a correction via the branch. It is not clear for us if the claim was updated for such correction. In addition we requested more information regarding the reasons why it was denied as well as more information to enable further investigation from our side. The branch has, after more than XXXX requests, not provided such information. The claims department indicated that XXXX leters have been sent explaining the reason for not accepting the claim but none of these have arrived so far ( after almost 2 months ). Through the branch, I requested an account statement to find out that most of the account fees and XXXX fraudulent transaction had been refunded back ( total amount of fraudulent transactions is around XXXX and fraudulent transfers XXXX ). After contacting the claims department, they insist that the claim has been fully denied and that no refunding has taken place. I have been trying to get information from the bank but just get forwarded from one section to the next one. Waiting times are considerably long ( last phonecall was 2 hours long until the call got forwarded once more and there no audio was available ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-12-27
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: My complaint is that Regions Bank conducts fraudulent business practices, specifically reordering of transactions and giving fraudulent account balance information. I had a positive balance in account as of XX/XX/2016, made several transactions from account on the XXXX. Checked balance on the XXXX which showed positive balance after those transactions of the XXXX. Made an ATM withdraw on the XXXX which put account into negative status and understandably incurred an overdraft fee. Checked account on XXXX to find transactions reordered which cause my account to incur multiple overdraft fees instead of one fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2016-12-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-26
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: I have been receiving the following email for several months about XXXX a week from Regions Bank. I Do Not Have an Account or have I ever had an Account with Regions Bank. I have emailed them numerous times and called numerous times and still I am being Harassed by them. Copy of email : Regions Bank XXXX XXXX ; XXXXXXXXXXXX XXXX XXXX XXXX at XXXX XXXX To XXXXXXXXXXXX This message contains blocked images. Show Images Change this setting Message body Important Account Notice Available For Review Regions Bank logo divider Account Ending in XXXX This email has been sent to notify you of an overdraft on your account. To view the detailed notice, please visit our website and log in to Regions Online Banking. Select the account ending in the last XXXX digits provided above and click on the link for the overdraft located in the transaction history. Because we value your time, we are emailing this information to ensure you are notified as soon as possible. Regions marketing ad These notices are provided as a feature of your Online Statements enrollment. If you would not like to receive these notifications, you may unenroll for Online Statements. This will result in your monthly statement and any future overdraft notice being mailed to the address on file for your account. Do n't forget to keep your email address current. If you would like to change the email address to which this notification is sent, please select " Edit '' under the desired account on the Online Statements page. Should you need help with your online banking service, please call us at XXXX XXXX XXXX XXXX. Sincerely, Regions Online Banking divider Service email This is a service email from Regions Bank. Please note that you may receive service emails periodically, whether or not you have elected to receive promotional emails. Contacting Us Please do not reply to this email. If you have a question about your account, please log in to Regions Online Banking and send a secure message. Or, you may call us at XXXXREGIONS XXXX. Privacy and Security Regions values your privacy and security. To read our privacy and security policies please visit our website. Regions Bank XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX 2016 Regions Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX | XXXXREGIONS
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2016-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No