Date Received: 2016-07-17
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: In XXXX I set up XXXX separate business bank accounts at Regions Bank in XXXX, XXXX. XXXX XXXX was the bank employee who assisted me in opening these XXXX new bank accounts. I immediately returned home and set up the online banking and scheduled ACH debits for vendor accounts. I also set up the merchant services for the business with the account information provided to me by XXXX XXXX. After a few days I realized that all of our merchant services were getting kicked back and not being deposited into our account. I attempted to call Regions a few times but got no response so I opened accounts at XXXX XXXX. A few weeks later I received a letter in the mail from XXXX XXXX stating that she had provided me with the incorrect account numbers and provided me with XXXX new account numbers however there was no information as to which account number belonged to which business and since I had already switched to XXXX XXXX I just closed the accounts. The initial mistake of providing me with the wrong account numbers caused me to be assessed return payment fees from my vendors as well as late payments and put strain on my business relationships with those vendors. Regions also charged me insufficient fund fees for the payments that I had scheduled to be ACH debited from the account with the incorrect account numbers. I found this out when I began receiving calls and collection letters from XXXX XXXX XXXX collections in XXXX, XXXX demanding payment for the charged off accounts. I was completely unaware of any charge offs and have disputed and explained how this must be some sort of mistake by Regions bank. XXXX XXXX instructed me to dispute the collections with Regions bank and gave me 30 days. I first went back to the branch that I originally opened the account and unsurprisingly XXXX XXXX no longer works there. I spoke with XXXX XXXX who said to give her a few days and she would let me know what she " finds out ''. Several weeks go by and I receive another call from the collection company but still nothing from Regions Bank so I revisit the XXXX branch once again. XXXX was not there that day so I left a message for her to get in touch with me but after a few more weeks I never heard from her so I decided to visit the XXXX, XXXX location on XXXX XXXX and spoke with a man who said he would work on my account and give me a call in a few days with some answers. A week or so past and nothing so I once again visited the XXXX location and spoke to a man named XXXX who took down all of my information and went over my accounts with me and told me that XXXX would be in touch with me in a few days. Another week or so passed and I called and left a message on XXXX 's voicemail. Another week passed and I returned to the branch and finally spoke to XXXX who informed me that even though she could see that XXXX separate business accounts were opened by XXXX XXXX followed by XXXX new accounts being opened for each business within the next few weeks all with no activity other than the returned ACH debits that I had no proof that I was n't responsible for having to pay for the insufficient fees. During all of this I was told that I would be reported to XXXX so I obtained a copy of my XXXX report and learned that I had already been reported by Regions Bank for a paid charge off account back in XXXX when my car was stolen with my wallet in it and I had my Regions Bank account closed with a police report. I have disputed this account being reported to XXXX who tells me to dispute to regions and regions tells me that I have to dispute with XXXX. Basically Regions is the most incompetent company on the face of the earth and has no business handling people 's money or personal information! They write people 's social 's on paper and leave laying on desk!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-07-15
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: REGIONS BANK : On XXXX XXXX, I deposited {$540.00} cash into an ATM, the ATM had an error and told me to remove my cash and try again later, but the machine just kept making a noise and never gave the cash back. So, I deposited another {$5.00} hoping it would fix the issue, but the same thing happened. I called hysterical ( it was a Saturday and the branch was closed ) and the CS rep assured me after filing a claim I would be credited my money and I was on XXXX XXXX. He said a tech would have to go balance the ATM and then they would return my money. On XXXX XXXX, the money was deducted from my account, making me have overdrawals. I stayed on the phone for over an hour and was only told that it looked like the ATM balanced after all, so I visited the branch. I asked for surveillance video or even a copy of the phone call from that Saturday, XXXX XXXX because the CS said he saw where XXXX transactions were attempted and he knew the amounts without me telling him. At the branch today, XXXX XXXX, they said they can only see back 30 days, so they can not view those attempted transactions and they looked at me like I was crazy when I asked for the video or phone recording. So, here I am over one month later with an overdrawn account and nobody can figure it out. They said maybe the CS from XXXX XXXX noted the wrong ATM and the wrong one was checked. In that case, why could n't the branch where the deposit was made check their audit and see that the ATM was over by the amount of my deposit??? I NEED MY MONEY BACK
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: 2016-07-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-14
Issue: Settlement process and costs
Subissue:
Consumer Complaint: Regions bank does not appear to be following TRID guidelines. We are down to the last few hours for me to sign the CD for my closing on Monday and Regions is very behind. Without going into the demeanor of those of I spoken with or the internal issues they are attempting to overcome, I would like to focus on their TRID process. The Production Manager, XXXX XXXX in the XXXX XXXX, SC processing center will not attempt to obtain a balanced CD for me to sign. He is insistent on sending be an incompete CD for signature which will not be sent until after business hours. Tomorrow, he will work on balancing the CD with the title company with their figures, taxes, government fees and estoppel info. I have been in contact with the Law Firm closing my purchase and they are waiting for Regions Bank to perform. The process should be for Regions to send to the Law Firm to balance figures prior to presenting the CD to me for signature. Estoppel info, if delayed, can be revised during three day wait but the main figures should be accurate. This is the intent of full disclosure to the borrower so that he/she has an understanding of costs associated with obtaining a loan three days prior to signing. Regions appears to be circumventing the spirit of the law as enacted by Congress.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33928
Submitted Via: Web
Date Sent: 2016-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-12
Issue: Settlement process and costs
Subissue:
Consumer Complaint: In XXXX XXXX processed a home equity loan in the amount of {$60000.00} without my knowing it. I was married at the time and did not know anything about the home equity until it was discovered I XXXX. This disclosure ended in divorce and me having to refinance my home to incorporate this debt. However, my ex would not tell me how this {$60000.00} incurred. A few months ago, I found the documents in a lock box. My name was blatantly forged on all documents submitted to the bank and the {$60000.00} check was made payable to my ex only. I want to know how this happened. I never knew about it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34769
Submitted Via: Web
Date Sent: 2016-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-07-12
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: Someone stole my bank card and charged over {$4000.00} t regions and now I 'm stuck with something someone else has done to me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70119
Submitted Via: Web
Date Sent: 2016-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-09
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: Regions Bank account ending in XXXX was opened in XXXX. Only XXXX overdraft/returned item fees were accrued in ten years. A cyber theft scare in XXXX XXXX forced me to change account numbers. Making it look as if it were a brand new account. From XXXX XXXX through XXXX XXXX {$1700.00} in fees alone were seized by Regions, or by other companies in direct connection to their actions. Deposits were not credited. Deposits could not be made due to repeated ATM failure. Debit cards disappearing in the mail. Debit cards sent with the wrong PIN number. Payments were returned resulting in late fees. My credit card account was closed when a payment was returned XXXX times in one month. My credit score dropped from XXXX in XXXX of XXXX to XXXX as of XXXX of XXXX due to account closures and having to use credit for many basic needs. Upon my thorough investigation I discovered several payments were not returned to the companies even though Regions said they were. Transactions were reprocessed, dropping the balance of the account so other charges did not clear and fees accumulated. Dropping the balance further and creating a snowball effect that I have yet to recover from. I have proof I made deposits that do not show up on the ledger in the form of processed checks from my clients. As well as proof of payments not being sent back. In XXXX XXXX I opted in to overdraft protection. I figured if I was being charged, I may as well not have the payments sent back to the companies. Nothing changed, however. Hoping it would stop charges from being processed, I opted out in XXXX of XXXX after {$1100.00} in fees were taken in seven weeks. Most being returned item fees. Even though I was opted in and depositing money every day. Several lengthy phone calls were made to Regions during this time to try to fix the situation. I was told to open a second account for personal charges or open a savings account. I did n't think another account was a reasonable option. No real solutions were presented. I am attaching a comprehensive folder of all transactions during the eight and a half months I held the account. The whole situation became completely overwhelming. I continued to pump money into the account daily hoping it would stop payments from being sent back. I was not able to pay my rent. I was forced to sell several of my personal possessions. As I am single and live alone I have no-one to help cover the necessities when I am not able to. This whole thing has nearly destroyed my life and I am still struggling to recover. Fighting to pay down the bills that accumulated while this was going on. I have yet to get back on my feet. The actual ramifications have yet to be completely revealed. New bills present themselves every day because I 'm struggling to pay off what occurred.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-07
Issue: Unauthorized transactions/trans. issues
Subissue:
Consumer Complaint: On XXXX/XXXX/16 I requested {$600.00} from an ATM owned by XXXX XXXX. The machine did not dispense any money. I have filed a dispute with XXXX with no results or response. # XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49418
Submitted Via: Web
Date Sent: 2016-07-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-07
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: Regions charged my savings account a monthly fee after telling me there was no fees on a savings account. So then I choose to close the account and they charged me {$25.00} just to close my account. Never going back to Regions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 351XX
Submitted Via: Web
Date Sent: 2016-07-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-06
Issue: Other
Subissue:
Consumer Complaint: i received a cold call from a company called XXXX on XX/XX/2016 claiming they could help make my website better for XXXX.when i found out i was being defrauded i turned to my visa card for help.i explained to them that i received no service from this i was told i waited to long.i thought visa could still help me when i was not rendered any service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30528
Submitted Via: Web
Date Sent: 2016-07-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-05
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: I had an accident XX/XX/XXXX, and state farm issue a check which was in my mother in law name, however upon her signature I deposit the check into my account to get the car fixed. This was done on XXXX/XXXX/2016 and to this day going back and forth. Regions giving me misinformation about they were returning the check to getting a call stating they can hold up to XXXX years to the check was return by state farm and no funds deposit. In speaking with a bank rep. I called state farm who advise they clear the check, and could not reissue another because the check was clear, however no funds was deposit into my account by regions but yet they still are holding the check. When speaking to any rep at regions they all have different stories, and now saying they have XXXX years. Heck no either dopist or send back to state farm. I would never refer anyone to regions, and I am closing my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32773
Submitted Via: Web
Date Sent: 2016-07-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No