Date Received: 2023-08-23
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Deposited a cashier 's check through mobile deposit ( nearest branch is 300 miles away so I couldn't go in person ) that was equivalent to my substantial CC balance at the time with the intention of paying it off. Regions placed a hold on the check for almost 2 weeks, with no explanation other than " because we can ''. Resulting in about a XXXX dollars in extra interest on the card ( horrible rates ) Customer service was entirely unhelpful on multiple occasions and seemed trained to just shut customers down.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80005
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: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Description : On XXXX XXXX, I received a call from someone who announced themselves as regions bank. They said that they were calling to verify suspected fraudulent charges currently being attempted in XXXX XXXX XXXX. I live in XXXX XXXXXXXX XXXX and at the time was on vacation in XXXX XXXX with my kids. I asked them to verify who they were... so they sent me a text from regions. The text came and they asked me to verbally verify the code. The next morning I noticed {$4500.00} was taken out of my checking account. I contact the bank an create a fraud complaint. They ended their investigation and gave me word yesterday that they are not giving me my money back. That this is a ach dispute. The assailant had all of my personal information and created a direct deposit. But it just says ach for the destination. " Therefore 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: 63137
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I mailed my IRS payment check of {$2000.00} from my office which is located at XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, FL. XXXX on XX/XX/. The check was cashed on XX/XX/. I didn't realize it wasn't cashed by the IRS until I received a notice from them they hadn't received it. Looking into it at my bank, Regions Bank, the check was stolen and cashed by an individual of XXXX XXXX XXXX. I made a police report with the XXXX of XXXX XXXX XXXX police report with officer XXXX XXXX and the case number is # XXXX. It's been over 90 days now and Regions hasn't refunded my {$2000.00} and have had no written correspondence on this matter. I have called on numerous accounts and keep getting the run around. The person at the bank I made the compliant with is XXXX XXXX ( XXXX ) XXXX. I refuses to give me his manager and any additional person to talk to to get this resolved. I've been more than patient and can't even get a response. I believe there is something fishy going on her and would like to get some help. I have additional accounts with them and I'm nervous about my other funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33458
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My escrow analysis has typically been performed every XXXX. My mortgage company, Regions, is claiming they did a company wide escrow analysis in XXXX which caused mortgage payments to increase based on a projected amount that can't be confirmed or changed until XXXX XXXX. The escorw analyis was done 6 months earlier than it should have been and is increasing payment based on a projected amount that is not accurate. My escorw is not currently negative and will not be negative when the normal analysis is due in XXXX. Further, I have made extra payments into escorw each month to insure the escorw is not negative. The mortgage company is basically increasing payments to guarentee people go into default to force them into loan modifications at the current interest rate. There is no reason to increase payments before the escorw analysis is due, especially when, after the analysis was done early, the escrow is not negative. The mortgage company also told me that if I continue to pay the old mortgage payments they will put me into default, although interest and principal will be paid and it is still adding to the surplus already in my escorw.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70127
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: The loan was taking out through the contractor to install gutters and garage doors at that time both my husband and myself was employed and had no problem making the payments but as of XXXX of XXXX we started having financial difficulties first myself and then my wife Myself with XXXX and my wife with XXXX problem on XX/XX/XXXX we contacted our creditors including XXXX and tried to workout an hardship plan but XXXX have refused to work with us in XXXX a lady by the name of XXXX requested we provide proof of our present income which we did and we stated that the most we could pay monthly is {$200.00} nothing has been done and we continue to receive phone calls asking to pay the regular monthly amount of XXXX and two letters threatening with taking action to demand the entire balance to be paid in full we were asked in XXXX to make a regular payment subject to working out a reduced payment and again in XXXX and XXXX at which time we borrowed the money to make those payment hoping the problem would be solved and in XXXX we received another phone call and also a letter demanding the full payment. Please help us to work this out because we are not refusing to pay but at this time we can not afford the regular and or full payment the only income we are receiving presently is about half of what it use to be we can just about make our mortgage payments to keep a roof over our head and are seeking help to pay our utilities and taxes that continue to increase Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 062XX
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I am writing in regards to several fraudulent purchases made on my Regions debit account on XXXX the XXXX, 2023. Regions contacted me via text at XXXXXX/XX/XXXX Thursday, XXXX the XXXX, 2023. I have made copies regarding the text and e-mails they sent me. They stated to visit the local branch on Friday morning, XXXX the XXXX, 2023. We were on the phone for approx. 1 hour and 20 minutes with a representative named XXXX XXXX. He verified my account and I identified him calling from XXXX Regions. The he claimed the fraudulent purchases from XXXX and XXXXXX/XX/XXXX were removed. However, he stated that he had to make another purchase on my account to set up fraud protection policy. He informed me to hit the yes key to make a purchase from XXXX! He stated he had to reset the fraud issue. On Friday I visited the Regions Bank at XXXX XX/XX/XXXXXX/XX/XXXX TX, XXXX. I spoke with XXXX XXXX for approx 40 minutes. I discussed this issue with her and she agreed that XXXX was a legitimate employee. She took all of the information and made a fraud claim and informed me not to worry, that i should get my funds within a week. She stated it was procedure to make another purchase to see if everything was working properly, the phone number was from XXXX Regions, and they need personal information over the telephone to verify my identification. I realize this, nevertheless it contradicts there policy of Regions employees not asking for ant personal info over the telephone. XXXX agreed the policy contradictory to the telephone conversations. On XXXX the XXXX, 2023 I called the XXXX XXXX XXXX. XXXX was informed the investigation department was not going to refund my funds for the fraudulent purchases at XXXX for a total amount of {$510.00}. I have NEVER purchased anything from XXXX XXXX 's in 65 years and I have not been to Florida in 4 years. These purchases were fraudulent and I can not believe Regions is blaming me for these purchases! There investigation should consist of but not limited to, e-mails, texts, recorded phone calls, and any video footage they may have. They have been extremely unprofessional and uncaring about the entire situation. Your cooperation is deeply appreciated and you are welcome to contact me anytime XXXX! My E-mail is XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77373
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: With no prior written notice, Regions Bank closed my credit card, harming my credit score. I had been a cardholder with them for 18 years, all in good standing. Apparently I had not used the card over the past 24 months. Regions never sent me any correspondence regarding any inactivity. Without any notice, I received a letter from them informing me of the account closure. I think Regions Bank is having trouble attracting deposits and they are systematically closing account lines of credit. While I understand their right to do this, they should give proper notice and not harm consumer 's credit scores. A
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30506
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Problem with a credit reporting 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: 336XX
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Our company mailed a check payable to " XXXX '' in the amount of {$9700.00} on XX/XX/23. The check was intercepted and fraudulently cashed at a Regions Bank on XX/XX/23. We discovered this on XX/XX/23 and notified our bank ( XXXXXXXX XXXX XXXX. ) and had our payee sign an Affidavit of Forgery. XXXXXXXX XXXX then " filed a claim '' with Regions bank and requested that the monies be reimbursed. After 90 days, Regions Bank finally confirmed that it was fraudulently cashed. The monies still have not been reimbursed by Regions Bank. XXXX XXXX continually follows up with Regions and checks the account to see if the funds have been reimbursed and can not get a resolution to this. I am submitting this complaint to try to get help receiving our funds back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On XX/XX/2023 we applied for a HELOAN at Regions Bank for the amount of XXXX dollars. The address is XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. We finished the paperwork and turned it in on XX/XX/2023 because their computer wouldn't take our information because it froze up. The person doing our application ( XXXX XXXX ) called the very next day at XXXX and said we were denied after they asked us what our race was the day before. Because their computer froze up we had to do it by paperwork. About one week later that was dated on the XXXX we received a welcome letter from regions Bank saying we would get the loan. We gave them all the paperwork they asked for and we have good credit. They still decided to decline us. Without any reason. We went back and asked for and explanation and put in a complaint. We didn't hear anything back. We called again and asked what the status of our complaint was and they told us over the phone with no further explanation that we were denied because we had a bad risk grade. We understand that their bad risk grade. We have very good credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A