Date Received: 2015-09-15
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: Checking Account reopened when I closed my account in person with a positive balance I closed my account in person at the XXXX, GA Branch with a positive balance in XX/XX/XXXX. I just moved and tried to open a new account only to see that Regions has reported by account as overdrawn by {$170.00} and reported my account to XXXX in XX/XX/XXXX. I had filed numerous complaints against Regions bank using XXXX. The latest was complaint XXXX. The business provided false documentations about me stating that I never requested my account be close. Here is my response " I received a response from a Branch Manager of a Branch I have never used before. I requested a response from Corporate Resolution, not a Branch Manager. In the response, the Branch Manager provided false information pertaining to my account and about when I closed my account. I will upload their response, so their response will be public record with XXXX on how they manipulate data to fit their agenda. No rebuttal is required from business regarding this XXXX complaint, as I have filed a investigation with the FDIC and XXXX. In addition, since I filed Chapter XXXX in XXXX, Regions is in violation of my bankruptcy rights by filing a false claim with XXXX. '' Instead of Regions Corporate further looking into the complaint, they sent my account to collections. This account was closed with a positive balance with no transactions going through it in XX/XX/XXXX. I did this at their XXXX, GA Branch. They kept my account open without my consent or permission. regions refuses to show me the branch records that will indicate that I went into the branch to close the account.
Company Response: Company chooses not to provide a public response
State: CO
Zip: 80538
Submitted Via: Web
Date Sent: 2015-09-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-14
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: On XXXX XXXX 2015 ( Monday, XXXX/XXXX/15 ), I was the victim of an identity theft on my personal checking account from Regions Bank. My account was defrauded {$500.00}. Additionally, as the ATM used for the fraudulent transaction was operated by XXXX, my account was deducted {$4.00} in ATM usage fees from XXXX, {$2.00} in ATM usage fees from Regions, and {$2.00} in account balance verification fees from Regions. Altogether, my personal checking account from Regions was defrauded {$500.00}. Upon discovering that I was the victim of an identity theft, I immediately contacted Regions Bank and informed them of the fraud. I explained to Regions that my debit card was in my possession the entire time, was never stolen/missing, and was never given to any other individual for use. Whether by skimming or another card hacking device or technique, my card and pin were compromised and used at a local ATM for theft. I was instructed by Regions to destroy the current debit card in my possession as that card would be cancelled in the Regions system. Per Regions Bank, a new card would be sent to me and the fraudulent transactions would be flagged and investigated. I was instructed to stop by at a local Regions Bank branch to sign the requisite forms, including affidavits, verifying that the withdrawal was indeed a fraudulent transaction. As this happened on XXXX XXXX, the banks were closed. The very next morning ( Tuesday, XXXX/XXXX/15 ), I stopped by the XXXX branch in XXXX, LA to complete the forms. I checked in with Regions Bank on Friday morning, XXXX/XXXX/15 to inquire about the pending investigation. I was told that my claim was denied for a return of the stolen funds as this was an ATM withdrawal and, per Regions, the only way money could be withdrawn was with the use of my card and my pin. Additionally, as I was " in the area '' ( XXXX XXXX is not that big of a city ), my claim was denied. A notice would be mailed to me and arrive shortly explaining their denial of the claim. Their " investigation '' took less than 2 business days. I asked them to take a look at the ATM video footage of the withdrawal in question in order to verify the identity of the actual person who committed the crime. Per Regions, as this happened at a XXXX location, they can not review ATM footage unless the local police department conducts an investigation and receives the video footage ; to then hand over to Regions Bank. It was at that moment, days later, that the bank advised me to contact a police department and file a police report. Currently, this matter is being investigated by XXXX as the crime happened in XXXX XXXX, LA. I 'm filing this complaint for several reasons:1. Regions Bank advised me to contact the local police AFTER their investigation and claim denial. If a police report is a vital part of a bank 's fraud investigation, then the consumer and identity theft victim should be advised upon reporting a fraud. 2. Regions is apparently not up to date on current fraud techniques and, as such, can not provide adequate consumer protection. 3. I do not do business with XXXX. If Regions and XXXX allow account holders to access funds using each others ATMs, they should be able to exchange information regarding cases of fraud or other financial crimes. 4. Throughout the claim process, I was treated like the perpetrator, not the victim. I was told by several Regions associates ( names withheld ) that as the withdrawal was at an ATM, the individual accessing the funds had to have been me. I was told that as I was " in the area '', the fraud was most likely committed by me. The only way that I, the victim, can expect any level of consumer protection and restitution is to do the legwork of the bank : Providing data, contacting XXXX to request a release of the video footage to the police, and acting as an intermediary between the banks.
Company Response: Company chooses not to provide a public response
State: LA
Zip: 70065
Submitted Via: Web
Date Sent: 2015-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-09-13
Issue: Late fee
Subissue:
Consumer Complaint: BP BUSINESS SOLUTIONS MASTER CARD- You can only receive your bill electronicallythe bill arrive on the XXXX and must be paid by the XXXX ( only 13 days ) If you have a Mac & use Safari You ca n't pay online anymore - Their IT dept disabled this option for Mac users. XXXX XXXX sent my Bill Pay payment on the XXXX. BP could n't process payment or put my payment of XXXX on another persons account. They did n't process my payment until XX/XX/XXXX on XX/XX/XXXX they charged me XXXX for a late fee for the remaining balance of XXXX plus they are charging default int fees of XXXX & XXXX & on XX/XX/XXXX they charged me XXXX for a late fee for the same issue
Company Response: Company chooses not to provide a public response
State: NC
Zip: 28443
Submitted Via: Web
Date Sent: 2015-09-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-09
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: I was charge over drafted fee of items that where XXXX dollar or less. I had direct deposit set up for this account and I had over {$350.00} with over draft fee for an items less the XXXX dollars with. I spoke to them at the XXXX telling them that I had this happen before and they did not charge and over draft fee for these items. But they said that the charges could not reversed even thought they had done it in the past. My complaint in that they are not consistent in what will have an overdraft fee and what will not. I willing to pay the amount owe but I not happy with paying over {$350.00} over draft fee for something that they did not charge me before
Company Response: Company chooses not to provide a public response
State: TX
Zip: 75217
Submitted Via: Web
Date Sent: 2015-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-09
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: I was at the hospital on XXXX/XXXX/15. I knew I had a check still out for XXXX. I had a check that needed deposited but didnt think I would be done in time to get it there. I called Regions bank and they assured me that my account was not in overdraft and looked fine. There would not be an issue. This morning I woke up to XXXX worth of OD fees charged to my account. When I called and spoke with them they said that they couldnt see the checks coming through. I then asked why did they clear first if they were the last things to show up? She said they pay the higher amounts first and it trickles down. I explained that I was told yesterday bu XXXX that my account was fine. She said I was the only one who knew about the checks and there was nothing they could do. I have a real problem since I had money that could have been deposited to avoid this but I was told it would be ok. Also, because the checks coming through that werent seen were paid first. If they had gone in the order they received them I may not be so upset over the XXXX check fee but this is ridiculous. They say its ok and process however it profits them. I understand they are a business but they are a crooked practice that is unwilling to work with a customer that has been with them for year.
Company Response: Company chooses not to provide a public response
State: IL
Zip: 624XX
Submitted Via: Web
Date Sent: 2015-09-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-09
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: Regions Bank charged my account for a XXXX charge that I did not authorized and made my account overdrawn with insufficient funds. This caused a {$36.00} fee Regions charged to me. The XXXX charge was not authorized and Regions charged it to my checking account.
Company Response: Company chooses not to provide a public response
State: MS
Zip: 386XX
Submitted Via: Web
Date Sent: 2015-09-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-04
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: Hi my name is XXXX XXXX, my husband XXXX and I shared an account we opened in XXXX XXXX. We reside in XXXX XXXX, my mother in law lives in XXXX XXXX. Recently I went to the XXXX branchin XXXX XXXX and made XXXX deposits in the drive thr ough. The teller, XXXX was extremely rude, making a wrong deposit for the in correct amount. She made me wait and I was the first customer. I was trying to help and advise her that she made an improper deposit. Also I was trying to takes care of another business related issue on my phone. Another lady came on the speaker yelling at mesaying, _your on your phone you need to get off '' the call was very important. I then advised her that it was business and that I will report the rude behaviour. The other lady screams ha you think you 're a banker. '' I drove off and continued my call and pulled across the street in the parking lot to write down information. I then called customer service and spoke with someone regarding the tellers. Then a police officer pulls behind me questioning me he then witnessed I was on the line with Regions and told me have a great day. He also said the tellers alleged they were scared. I feel stereotype d marked because of my race, also that was unethical, those tellers knew what and how they treated me was wrong, if you did n't do anything wrong to anyone then there 's nothing to be afraid of. I left a message for the branch manager XXXX XXXX. She never returned my call. I called XXXX and spoke with someone, the lady made contact, then XXXX called me yelling in my ear never affording me the opportunity to speak, hanging up in my face then she forced my account to be closed out of retaliation. She bragged about the people she knew and how she been banking a long time. This woman was rude and I am respectful ly request ing that someone address the matter and respond to me, if not I will call me back, and I would like the decision overturned.
Company Response: Company chooses not to provide a public response
State: TX
Zip: 75703
Submitted Via: Web
Date Sent: 2015-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-03
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: Regions Bank is erroneously reporting a negative bank account in my name to XXXX and possibly XXXX, although they have been notified numerous times of the ongoing identity theft I 've been fighting for over 8 years, and despite the fact that they are fully aware of my fraud and security alerts and recent bankruptcy filing. I 've made several attempts to resolve this issue and am beyond tired of this thing coming up to bite me when I want to open a new financial account. It 's embarrassing and frustrating. This bank has horrible customer service, is not responsive to consumer inquiries/complaints and does nothing to resolve major issues like this. I want this item removed from XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, as well as any other agency that compiles personal consumer information, without that consumer 's knowledge, without any verification of validity and that which significantly and negatively impacts consumers ' day to day financial life. Banks, credit reporting bureaus and financial account recording agencies are predators in the financial services industry and I want them held accountable for their unethical and illegal business activities. At the very least, I want any association of my name, social security number, financial account information, driver 's license number, state identification number, past and present addresses, date and location of birth, relatives, friends, ex-spouses, and any other pertinent personal identifying information to be immediately removed, permanently, from the records, files, databases and archives of these sharks. They ruin lives.
Company Response: Company chooses not to provide a public response
State: TX
Zip: 76137
Submitted Via: Web
Date Sent: 2015-09-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-01
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: Regions bank applied un-warranted overdraft charges to my checking account. The balance never went below - {$2.00}. I reviewed my balance daily, balance never went below stated amounts. The bank states items caused {$72.00} in overdraft charges, but never di account from my view show the negative amount they are claiming. I suspect they are intentionally hiding transactions from customers in the name of higher bank profits, I believe it could be termed " Rob-N-the-Hood ''. When questioned why I was never priviledged to see said transactions, they stated in an email on their web site that it was complicated. Consumer rights should always be able to see all transactions presented to bank, not hidden. So since the bank sees this as an incredible profit opportunity, I elect to have refunded to me an amount for comparable amounts, my revenue vs their revenue would be fair. Say {$10000000.00}, no less. This should and most likely is disceptive, illegal, immoral practice on the part of the bank and they need to be punished as such.
Company Response: Company chooses not to provide a public response
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2015-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-28
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I opened a HELOC with Regions Bank XXXX years ago. I borrowed essentially the entire credit line, and I 've been making timely payments since then. Recently, I noticed that I was charged an " Inactivity fee '' of {$100.00}. While I took note of the fact that inactivity fees were listed in my agreement when I signed it ( and this is typical of all HELOCs ), Regions Bank has decided to interpret the meaning of " activity '' in a new and deceptive way. Even if your credit line is fully in use, they will charge an " inactivity fee '' if you do n't take a *new* advance each year. I believe that this is a deceptive practice at a minimum, and may violate the terms of my agreement, as it expressly does not say that a " new '' advance must be taken each year -- only that there must be an advance each year, which I interpreted to mean that my line is in use, given that this is an " inactivity fee. " I believe that Regions Bank is defrauding all of its HELOC customers by charging this fee, and that their actions are based upon a questionable interpretation of their contract language which actually constitutes a violation of their own agreement.
Company Response: Company chooses not to provide a public response
State: FL
Zip: 33771
Submitted Via: Web
Date Sent: 2015-08-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No