Date Received: 2023-08-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: deposited {$1100.00} cash into Regions ATM on XX/XX/20. XXXX took the money but never issue receipt and funds were never deposited into account. ATM screen error/gray screen ( took pictures of error ). Submitted claim with Regions ( claim # XXXX & XXXX ). Received letter few days later from Regions saying no error found and ATM was checked, no errors. I asked if they checked the correct ATM and if they reviewed the video surveillance. They said they do not have access to the video surveillance. Escalated the case several times and branch manager said they have had similar issues with their ATMs. Last week branch XXXX XXXX states their notes now show that system did in fact have an error. Issue has not been resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77407
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I deposited a check in the amount of XXXX yesterday in the drive thru. I gave the teller the check and a deposit slip. I was given a deposit slip receipt. The XXXX was NOT put into my account and MY account was DEBITED XXXX. I was told the problem was a teller mistake and would be corrected by XXXX XXXX. My account has not been credited in any way. I have spoke with the branch manager who states there is nothing she can do except create a ticket. I feel the bank should at least credit my account for the withdrawal that I did not give permission for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 362XX
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I would like to file a complaint against Regions Bank for failure to promptly initiate Error Resolution Investigations. I disputed 2 transactions on my Regions debit card on XX/XX/2023 upon my return from a trip to XXXX XXXX XXXX. I called and disputed a transaction dated XX/XX/2023 in the amount of {$410.00} from a restaurant called XXXX XXXX XXXX in XXXX XXXX XXXX because I was charged the incorrect amount based on the wrong currency that was applied. I was charged {$410.00} US Dollars but was only supposed to be charged XXXX Pesos MXN or VAT which is the equivalent of {$24.00} US Dollars. I was charged an incorrect amount due to the wrong exchange amount charged. I also disputed a charge of {$710.00} US Dollars on XX/XX/2023 from XXXX XXXX XXXX. I paid and stayed for two nights. I paid a fee of {$710.00} that posted on XX/XX/2023 under a transaction on my statement as XXXX XXXX for the first nights stay and to hold my reservation. XXXX XXXX and XXXX XXXX XXXX are XXXX and the same in a partnership and management or group of hotels. I was supposed to pay for the second night and any incidentals at checkout on XX/XX/2023, however XXXX XXXX charged me another {$710.00} on XX/XX/2023 documented under on the statement as XXXX XXXX XXXX and then another {$710.00} included in my bill at checkout on XX/XX/2023 for {$1700.00} under XXXX XXXX XXXX. XXXX XXXX charged me for the second nights stay twice. I explained all of this in detail on XX/XX/2023. I received an email confirming my error dispute on XX/XX/2023. On XX/XX/2023 I noticed I had not received a decision, provisional credit or anything regarding the dispute. I called three times asking about the results of the error dispute and the first customer service agent said the dispute was denied on XXXX but there was no information as to why so I asked for a copy of the investigation or how they determined to deny my dispute. I was transferred to Customer Protection and waited on hold for 45 min and was then hung up on in the call. I called back and got hung up on again. The third time I waited an hour to speak to someone in Customer Protection and they said that my dispute was denied but they also did not know why but said they would reopen my dispute. I received a letter on XX/XX/2023, that letter was dated XX/XX/2023 stating that Regions Bank needed documentation as to why Im entitled to a refund from the merchant? I provided the reason I was entitled to a a refund on XX/XX/2023 but no investigation had ever began, instead I was just flat out denied. Regions had not reached out to the merchant or even looked at the transactions or attempted to perform an investigation based on internal records or information. I called on XX/XX/2023 for a status update and asked for the documentation from the original investigation dated XX/XX/2023 and why my original error dispute was denied and the Customer Protection agent said the notes in the system stated that the Merchant had 15 days to return my money before Regions Bank would begin an investigation. I said, so no investigation begins until the merchant has an opportunity to return the funds? This wasnt a merchant dispute but an error dispute I was charged the wrong amounts possibly due to an error regarding the exchange rate and a duplicate charge or an unauthorized charge regarding the {$710.00} for my hotel room. When ever I have disputed transactions Im immediately denied without any type of reasonable investigation or without a review of relevant records, transactions and information within Regions Banks own system. Im never offered a provisional credit & Regions Bank extends the length of the investigation whenever and however long they want by flat out denying the error dispute claim and then asking you for documentation before they begin an investigation. However whats even more problematic is that Im not the first customer to complain about their error resolution investigations, decisions, and process to the CFPB and the FDIC and I wont be the last. However it will be my last cause Im closing my accounts with Regions before the end of XXXX. Clearly my money is not protected from errors and the Merchant has more rights than I do. I work very hard for my money why wouldnt I want it back?
Company Response:
State: TN
Zip: 37027
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: Applied for auto loan with lender and was told I was pre-approved. XX/XX/2023 credit transaction was taken place after I completed the application using my personal information and security information. Called company and wasnt able to receive any help. They letter they send is in violation of my Equal Credit Opportunity Act and FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33064
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
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: I fell behind on my loan and could no longer make payments. The company EnerBank USA then filed paperwork with XXXX & XXXX and a settlement was reached and paid off XXXX XXXX. The company has yet to change the account to paid off in settlement and Im also seeing the balance increase on credit reports through XXXX. The loan has been close, settlement reached and paid off to the agreements with the lawyer they chose. Also have a letter from their lawyer stating the terms have been followed and paid in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44143
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: Out XXXX son received a card in the mail from XXXX -- He did not request it. When he called to cancel it -- They kept asking personal questions and stated that if he canceled it -- he would lose the {$72.00} he supposedly had on the account. He never requested the card nor asked for it to be activated.
Company Response:
State: KY
Zip: 42701
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
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: 33012
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Two checking accounts were opened under my name on XX/XX/23 at Regions Bank. One ending in XXXX and XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30078
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received in the mail on, XX/XX/2023 ( it was post marked XX/XX/2023 ) a letter informing me that I have opted into overdraft protection however I have never had an account with Regions bank. I have not authorized anyone to open an account nor have I opened an account. I need this resolved please. I have never had this happened before and it is scaring me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32312
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: About a week and a half ago I called Regions Bank to close my account as I no longer live near a branch. The first representative told me I could only close an account in person and when I told her that wasnt possible she hung up on me. I called back and the second representative told me I could close the account by phone once the balance was under {$1000.00}. I then went through their verification for my other XXXX XXXX account so I could make a direct transfer of the remaining funds. Once the other bank was verified I proceeded to try and withdraw the money. They blocked the withdrawal. So I called a THIRD time and they told me that they couldnt remove the block without me going to a branch. I explained AGAIN that I lived almost XXXX miles from the closest branch and wasnt making an XXXX roundtrip journey. I asked to talk to a supervisor. The representative first told I couldn't speak to anyone else. I kept insisting, so she tried EIGHT times to put me through to someone who could help me. After 45 minutes on the phone we both gave up. About 2 hours later they then RESCINDED my verification I had already completed, then blocked all online access to my account. I couldn't even check my balance or transactions. I called for a FOURTH time, this time to remove the block on my online account and they told me they couldnt give me access without going to a branch, because they couldnt verify my identity. This was after they had taken me through two levels of security questions, the second including the street I lived on almost 25 years ago and the age range of my ex-husband. I was left with no other option but to withdraw the money from the ATM, costing me {$5.00} for each withdrawal for a total of {$35.00} in fees, when I could have made a direct transfer for only {$3.00}. They have FINALLY closed my account after two more calls, bringing me to 6 CALLS and 7 trips to the ATM in order to close my account, all of this to withdraw less than {$2000.00}. Insane.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 680XX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A