Date Received: 2023-08-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My XXXX account was hacked and money was transferred out of my checking on XX/XX/23. I notified my bank, Regions Bank, IMMEDIATELY and asked them to place a hold/freeze on the account so that XXXX could not take out funds. Regions does not have any agents working on the weekends that can tend to bank needs. Everything has to wait until Monday ( this is the first bank I have ever heard such an absurd thing ; most had fraud departments to help 24/7 ). Come Monday, the funds had time to process and Regions says there is nothing they can do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63119
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: XXXX XXXX there was an {$300.00} being reprocessed on my account due to payments that I havent payed or even subjected to swipe my card, I also included information on why my account was being charged due to a friend stealing my information. XXXX XXXX I no longer have info for my regions account due to owning regions {$300.00}. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, email address XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30291
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I moved to XXXX, TN about 1 year ago and established a banking relationship with Regions Bank. I am retired and get 3 monthly checks. Two checks are for a fixed amount from a national insurance company ( {$8100.00} and {$1000.00} ) each month. I receive a third check each and every month of varying amounts of between $ XXXX {$6000.00}. I keep a multiple of many times these amounts in my checking account at all times. For the first 9 months I deposited these checks and all went perfectly fine with no holds placed on any of the deposited funds. About 3 months ago, Regions instituted a new option on the deposit of checks ( funds available immediately ) for a fee 1 to 4 % of the check value ( with a minimum fee of {$5.00} ). As a business owner and operator for 40 years, I do understand the business need for a fee for the service. At the same time that this option was instituted, the bank starting placing a 10 day hold on every XXXX of my regular monthly checks that was more than {$1000.00} despite never doing that in the past. I have had XXXX conversations with XXXX of the local bank managers, who apologies, removes the holds, and sends a note for the next regional level of management to contact me about the issue. He states that this situation is due to a new algorithm that the home office instituted about 3 months ago. He hates this as he has to field numerous complaints just like mine. I have never received a call back from the next level of management after 3 months. I have also gone to the Regions website and summitted complaints about the new practice, but received no reply. As it appears to me, it looks like the bank is using their new algorithm as a predatory excuse to skim XXXX % off of every large deposited check if someone is in a tight financial situation. Luckily, I keep a large cushion in my checking so that the 10 day holds are not an issue. If I were someone in a tight financial position that couldnt wait for 10 days for the money, this huge fee could be devastating and I think it is very unfair to the average consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 379XX
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XX/XX/23 unauthroized withdraw of {$500.00} XX/XX/23 unauthroized withdraw of {$140.00} Bank name is Regions Bank and I am using the employee debit card and app called XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95367
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: My credit report is showing a debt and judgement owing to Enerbank USA out of Utah. Unfortunately after numerous attempts to satisfy this debt, Enerbank and their " Confidential '' attorney 's office handling the file, have repeatedly refused to help me or send any information to aid in the payment of this supposed debt. On Thursday XX/XX/2023, I requested information pertaining to the debt that has been reporting on my credit report. When I spoke with the representative, she said my request has been sent to the Attorney 's office handling it and I should receive information shortly on how to pay it off, if the debt is legitimate. I waited patiently for over 3 months with no email, phone call, or text message from the creditor ( Ener Bank ) or their " Confidential '' attorney. On Thursday XX/XX/2023, I again reached out to Ener Bank to try to obtain any information I could to try and resolve this negative impact on my credit report. When I spoke with the representative, she was unable to give me any information on the amount of the debt, how to pay it ( if it is even owed ), which attorney is handling the debt for their office, the name of the attorney 's office who is handling it, how to resolve the supposed debt, when I would hear from the attorney 's office that is handling it, contact information for who could help me either make a payment or how to verify this debt is accurate. I have had several months elapse where I have not ben able to satisfy this debt due to the secretive and disorganized nature of this creditor. My credit rating has suffered and now this account has likely accrued 3+ months of interest that should not have been accumulated on this supposed debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 922XX
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: On the XXXX of XXXX my wife and I went into XXXX XXXX location which is located in XXXX XXXX Texas. The purpose was to add my wife on to the checking account and to open a joint savings account. We approach to teller name was XXXX XXXX and we informed her that we wanted to add my wife on to the account and opened a savings account. I have an account with regions I have been banking there for several years. She asked for my wife 's identification my wife produced a XXXX passport and a XXXX driver 's license which were current we were informed that my wife could not be added on to the account because she had to have a current United States identification. The law clearly states no matter what country you from as long as you have two forms of ID that are current you can open a bank account in America we were denied that service. Secondly I wanted I wanted to open a savings account I had a check for {$13000.00} I wanted to put {$3000.00} into the checking and open the savings with XXXX teller XXXX XXXX denied me the service XXXX XXXX informed me I did not have matching funds in my account therefore she could not accept the check after some disagreement she told me I could take my business elsewhere gave me my ID and my check back my wife and I left. When I complain to the manager will about the situation he really act like he didn't care and he was really nonchalant about the whole thing when I finally heard from him the only thing he really was concerned about was he couldn't give me information on what kind of action they took against the employee she kept her job no action. So we went to a branch off of XXXX XXXX XXXX and we requested the same services at that branch. And all the services that XXXX XXXX denied us at the XXXX XXXX location in XXXX XXXX Texas, we were given at the XXXX XXXX location wow really. So on XX/XX/XXXX I go to the bank to close out my savings account because I can no longer do business with regions. So I go in to close out my account I go back to the same teller who still working and put my request in the close out of my savings account. Her response was I have to check and see if we have that amount in the bank She returned and said that they had the amount but it would be in different denominations no problem as long as it's in cash. So they bring me these XXXX stacks of cash out set them on the tellers counter slide them across to me tell me to have a good day. Mind you this is {$10000.00} you giving a customer and you're not even going to count after some disagreement the manager on duty went to the back got a counting machine and counted the money for me. But I shouldn't have to request that you count my money especially {$10000.00} you going to give a customer {$10000.00} and not even count it banking practices with clients of XXXX need to be investigated at this regions because I'm sure I'm not the only one that this has happened. I was denied service because I was married to a XXXX XXXX and my wife was denied service because she is married to a XXXX XXXX we are at XXXX couple.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77351
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: To the Concerned Party, I am writing to address a matter of utmost importance that necessitates immediate attention. Regrettably, my financial account has fallen victim to fraudulent activity, and I find myself in the unsettling predicament of being denied reimbursement by my bank for the unlawfully taken funds. In response to this distressing situation, I have taken the initiative to file an official police report in connection with the crime, underlining the severity of the identity theft I have suffered. The fraudulent actor responsible for this act of deception managed to gain unauthorized access to my account, most likely through the acquisition of a duplicate of my debit card. While the bank has indicated that such an occurrence is seemingly implausible, I must emphasize that my unfortunate experience stands as evidence to the contrary. It is my belief that I am entitled to the protections outlined by the Federal Deposit Insurance Corporation ( FDIC ), a safeguard that guarantees financial restitution of up to {$250000.00}. In this specific instance, I had maintained a balance of {$2900.00} in the compromised account, which was subsequently depleted entirely. My intent in pursuing a resolution to this matter is sincere and rooted in a commitment to justice and transparency. My decision to file a police report is not one made lightly, as I recognize the implications of such an action. Rather, it stems from a genuine necessity to address the wrongdoing and reclaim the rightful security and stability of my financial resources. I implore your assistance in navigating this distressing situation, as I am left perplexed and uncertain about the subsequent steps to take. The gravity of the situation compels me to seek a just and equitable resolution, as I am resolute in my assertion that I have been wronged and seek the appropriate remedies. Thank you for your prompt attention to this matter, and I remain at your disposal for any further information or clarification that may be required. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Regions Bank regarding a deeply concerning matter that involves discriminatory practices and the violation of my consumer rights. The details of this matter are as follows : On XX/XX/2023, I applied for a Consumer Credit Grant with Regions Bank, located at XXXX XXXX XXXX XXXX, XXXX, MS XXXX. However, to my astonishment, my credit application was denied with an explanation citing adverse action. I believe that the denial of credit was a direct result of discriminatory practices and a violation of my rights as a consumer under federal law. Under the Equal Credit Opportunity Act ( ECOA ), it is explicitly prohibited to discriminate against consumers based on factors such as race, color, religion, national origin, XXXX, marital status, age, receipt of public assistance, or the good faith exercise of rights under the Consumer Credit Protection Act. I suspect that my credit application was denied due to internal remarks or alleged debts from another company, which are wholly irrelevant to my creditworthiness or ability to meet my financial obligations. This discriminatory action is in direct violation of the ECOA, specifically codified in 15 U.S.C. 1691c, and could potentially render Regions Bank liable for civil penalties under 15 U.S.C. 1692k. Moreover, I am convinced that my rights under 15 U.S.C. 1691 ( a ) ( 3 ) have been violated due to my perceived exercise of consumer rights. In my previous correspondence with Regions Bank, I have outlined the evidence suggesting that the denial of credit was a result of an unauthorized use of my credit card, which is my social security number. This is a direct violation of XXXX XXXX. XXXX ( I ) and XXXX XXXX. XXXX ( p ), and it demonstrates fraudulent activity on behalf of the bank. Furthermore, I firmly believe that Regions Bank is in breach of XXXX XXXX. XXXX, XXXX XXXX. XXXX, and XXXX C.F.R. XXXX, as my credit application was denied without adequate consideration of my ability to repay based on reasonable factors such as income, cash flows, net worth, credit history, and other relevant financial indicators. My intent in filing this complaint is to seek a resolution in accordance with my rights and applicable laws. I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Regions Bank for these violations. Additionally, I seek remedies and compensation for the damages I have incurred as a result of this incident. I implore the Consumer Financial Protection Bureau to intervene and ensure that all consumers are treated fairly and equitably. I look forward to your prompt attention to this matter and a resolution that upholds consumer rights and accountability. Thank you for your assistance. Sincerely, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 390XX
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: When to the bank to withdraw money but only XXXX cents wasn't in my account I call immediately to dispute three unauthorized transactions where on my card on two on XX/XX/23 for XXXX $ and XXXX $ and another one on XX/XX/23 for XXXX $ after the call i got message 21 days later saying that there was not enough evidence to prove my case so I sent a police report and thru email because no one is available on phone which is shady also ask what other evidence can I provide to prove my case got the same generic email I'm convinced this company is a scam comdata fintwist this is hard for me because a total of XXXX $ dollars was taken of my card and the company who job it is to protect it wont help get it back even though I the under 21 day which states im am covered by there zero protection policy this is not right please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90059
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: XXXX XXXX an account was opened at regions bank under my maiden name XXXX XXXX, my social security and my date of birth. I received an email that a new account was opened and thought it was a scam. Then XXXX XXXX received another email that there was a mobile hold on XXXX that was deposited into that account. I called regions bank in XXXX, Tennessee they told me to come in first thing Monday morning! I went down there told them what I had received and there was an an actual account opened under me. They told me they was going to put a freeze on the account and they didnt they put a hold on it due to receiving another email today XX/XX/2023 that a return of deposit was sending via mail to the address on file. They also told me not to fill out a fraud packet due to me not keeping the account open with regions bank and that they would take care of it and try and find out what was going on! They copied my license. I gave them my number they told me to freeze my credit and I did as soon as I left! The manager called me and said it was fraud activity and they would be looking into it further. Then today I receive the email of the money sent back that was deposited and I called the online help desk and they said that there was a small hold on account but it was not froze.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 385XX
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A