Date Received: 2023-08-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I did not give Regions written permission to file anything on my credit report. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37130
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Enerbank charged me for 18 months double my payment of {$79.00} on the XXXX of each month. I called about 3months ago about this problem and they did nothing. I want my money back and they refuse
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In XXXX I opened a Regions checking account. I deposited 3 checks I believe. There was some type of an issue with 2 of those checks. When I tried to withdraw the {$900.00} from my account the debit card did not function and neither did my online bsnking. They told me the account was locked for security reasons. When I tried contacting them about a week later they said the account will be closing and never gave me any explanations about anything. A fee years later I noticed that I was still receiving emails from them so I decided to call to find out what's going on. The woman I spoke with on the phone told me thst I do not have any accounts with them. While checking my email 2 days ago and I saw a bunch of emails from them. So ideside to try to log into my online banking. This time I was actually able to reset my online banking password and I was able to log in. I saw that my balance is {$430.00}. And i saw that for the past 5 years they have been charging me {$8.00} every month. And that the account that was supposably closed has actually been open all this time. So the very next day I went straight to the bank. To take out my money and close the account. When I went to the teller window she said that my account is inactive and that she needed her supervisor to approve it. Once that was done the teller informed me that they are not allowing her to give me the XXXX So I sat down and waited for a banker to attend me. He looked at my account and said that if I take the $ out they will have to close my account. I agreed. And then he said that he is not able to give me my XXXX He emailed someone and told me that I need to go back the following day and thst once he gets the approval from corporate office he will be able to give me my XXXX The next day I went to another branch closer to my house. And I was not able to get my funds. I don't understand how is it that they tell me that my account is close. Then I find out its not. Then when I try to get my $ they say the account is frozen and the funds are pending. Yet they have been charging me {$8.00} a month for the past 5 years which totals a little over {$400.00}. For service fees. And now they don't want to give me my {$430.00}. I'm pretty sure they just want to keep charging me {$8.00} a month for the following years until the account is at XXXX. And they will close it. Really I feel like they should reimburse me for that XXXX The banker from the other day said that it looks like there was some type of fraud on my account. The only fraud I see going on is regions bank stealing $ from me little by little. And not giving me access to my $ to make it easier for them to steal it. " Stealing '' is the best way I can describe what they doing to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33013
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Someone claiming to be from REGIONS BANK text me saying there was a fraud against my account and asked if I had spent {$63.00} at XXXX I text no it wasnt shortly afterwards they called me and I spoke with a man for over an hour and a half trying to get this fixed he claimed he was from REGIONS. He asked me all sorts of questions. He wanted my regions online banking pass word and me assuming it was REGIONS I gave it to him. He also asked for my husbands Social Security number, and my husband gave it to him and told me on several occasions to push. Yes on these amounts that did not look correct to me he said it would correct my account and my account would not be accessible for XXXX hours after we hung up for some reason that did not sit well with me and I checked it the next morning this all happened XXXX XX/XX/23 next morningXXXX I checked my bank account and there was {$220.00} and there was {$4400.00} taking out of my savings account plus another {$4000.00} out of my savings account we went to the bank as soon as they open at XXXX oclock. I had the lady to change our password, give us new debit cards and I have checked our checking account for the last XXXX weeks to make sure that nothing else has been taking out. We filed a Fraud alert against our account on all three of these went to the sheriffs department and made a claim still have not heard from the sheriffs department. We went to the Social Security office and put a block on my husbands Social Security number, so they dont try to take his Social Security check, the bank has informed us that they are not going to pay us back which I think is a XXXX XXXX XXXXXXXX because it was not our fault. I thought we were talking with REGIONS I have sent them a letter with all the information that I have this person took the money from XXXX Missouri, the phone number that they text and called from is XXXX. I also told REGIONS if they did not satisfy me in a timely manner that I would have to get an attorney because I dont work for a living to pay XXXX to rip me off. Is there anyway you can help me with our situation? Thank you. XXXX and XXXX XXXX my number is XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 71913
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I as of this last year having been banking with regions since I was XXXX roughly ( I am XXXX now ) as of this last year I have seen nothing but errors and miscalculations running through my account causing me to get charged in overdraft fees AT LEAST ONCE EVERY OTHER MONTH. I have proof of this miscalculation today with a paper from the company with my insertion of money because I was on my last XXXX dollars in the account of XXXX. Yet for 4 days it had told me I only had a mere XXXX left. My online statement says otherwise and changed stating I in fact had {$520.00} at that time ( so a sudden influx of money made no sense. THEN I run negative into my account today stating XXXX XXXX from all of these charges that should have ran days ago and they have recrunched the numbers accordingly they are either stealing money or purposely running different numbers so that I am forced to pay a penalty fee. Others say when I asked that it just takes a few days for certain charges to run through however that should not be the case either. ( However I tested this theory ) I would wait and numbers would strangely enough STILL change. I have noticed numbers being off consistently and Im either running negative or have more than I should and it feels like my account is nothing but a game of tag. And if that were truly the case of things of not going through immediately why is it that everytime I make a purchase through a day the numbers go lower ( as normal one day ) and the next day they are not the same numbers ( I have been trying for months to hold out with my account to prove something is wrong with this system but I it would seem this issue strikes at random. However all I am aware of is I have had this account for years and NOTHING has been a problem until the end of last year THEN it proceeds to get worse. I suggest this company be investigated. I have also noticed as of today that this bank already has A LAWSUIT for the same exact issue for someone elses company and I believe they are scamming people DOING THE EXACT SAME THING TO OTHERS TO PAY FOR THIS LAWSUIT. I would also like to add my account is supposed to be protected by overdraft however that is hard when doing online purchases ( as I have been informed over the phone ) it still should not run when trying to purchase something and I have noticed that if my card doesnt run then I dont have the funds ( including online purchases ) so if that is the case why do these purchases continue to run as well as change on my page telling me different numbers one day if I in fact didn't have the money at the time why would my card run in store? No one else could answer that either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 359XX
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: My husband and I decided to build a home in a rural county in XXXX XXXX. We came across Regions Bank for construction loan via an internet search. Started working with their team. After reviewing our finances and credit history, we were offered a 5.5 % interest rate on our loan. The loan team from the bank requested that we sign and execute the contract with our builder in order to start the process and we complied. Little did we know that the bank has not done the contract review or builder approval prior to this. So during the contract review and builder approval process, the loan team started making demands to the builder to alter the contract, provide his personal credit information etc. Despite us requesting that we be kept in the communication loop, we often came to know of these demands by the bank from the builder. Now that our builder has the signed contract from us, he has no reason to oblige to these demands from the bank. And for us, since we had signed the contract, we were at risk for being sued by the builder if we were not to proceed with the construction. The contract had stipulated that we pay about 40 % of the cost up front for the builder to block the cost of the materials and gain the spot in the line with the sub contractors. Bank did not agree with this and builder declined to make changes to this clause. In order to keep the construction still a possibility, we agreed to put down this amount as down payment and have the remaining 60 % as the loan amount. Bank demanded that we provide them with proof of this payment inorder to process the loan, which we did. Even after this, bank continued to demand further changes in contract clauses from the builder. XXXX 's lawyer recommended not making any such changes and we were left with no choice, but to find other options for funding the construction. Now that we had signed the contract and paid 40 % to the builder, we had no choice but to use our " nest egg '' to proceed with the construction. Bank later communicated with us that they are ready to approve the loan, waiving all the requirements from the builder. At this time we were worried about what other requirements would be put forth when the builder submits the request for withdrawals at different stages of construction. In nut shell, the Regions Bank put as at risk of being sued for not complying with a contract with the builder ; and also at risk of loosing 40 % down payment to the builder if we had not been able to secure the finances by liquidating our assets.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 500XX
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX I received a phone call from a regions bank representative. The representative was a man. He proceeded to inform me that my money-marketing account had a fraudulent transaction and the protocol he wanted to make sure it was not me.He proceeded to informed me that the transaction was from Texas.I took the extra precaution to called the XXXX and it came back to Regions Bank . I proceeded to the call with the representative on my other phone. He proceeded to tell me I had to reset my password and he helped me with changing it to a XXXX XXXX .After he helped me with that He proceeded to also give me an Investigation number for this whole fraudulent activity and the was XXXX.He said that he had to remove the 2 XXXX phone that was being used for XXXX XXXX.He informed me that someone will contact me the next to day to keep me informed on my fraudulent transaction. The next day I received a call from female Regions Bank representative inquiring if I try an ACH transaction to an XXXX XXXX XXXX in total amount of {$52000.00} XXXX. I informed her that it was not me. I was told to go to the bank and they will give me a pin because it was not my usual ACH transactions. The representative assured me that the transactions didnt go through. They informed me at the bank that my account was locked. On XX/XX/XXXX I was made aware that my money was not in my account. All of this was done as an ACH transaction. I explained to them I did not receive a call from the bank to authorize these transactions. Like I normally do whenever a ACH is being done The bank informed me they was a FDIC bank. If they do not locate my money they cant refund it back to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34711
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: REGIONS BANK!!! On XX/XX/XXXX I got fraud alerts that someone in XXXX Florida was using my card. I am located in XXXX Missouri. The bank called and we took care of my account and started to dispute the XXXX transactions on my account. There were XXXX for XXXX, XXXX for XXXX and XXXX for XXXX all in a row at a XXXX XXXX in Florida. I told them those were not me but the money already came out of my account. {$370.00} is all the money they took from my account. I disputed and they denied becaise my card was present and pin was used and then stated it could have been contactless pay. They have refused to give me my money back when clearly I didnt make those transactions when I was in XXXX Mo XXXX I have the card in my possession, Ive never given my information out to anyone ever, and I can prove I was in XXXX Mo at the time they tried. I want my money back. I have gotten my claim denied twice and told to make a police report which Im doing tonight, its one thing after another. I didnt authorize those transactions and they are refusing to give my money back. No one should of had my information at all! Attached is all the transactions at the XXXX XXXX in Florida and the store.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 657XX
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX, I was out of state and wanting to use my card through XXXX XXXX to make a payment for parking. I tried to send payment through and it would not process. My sister attempted the same and could not successfully process a payment either. She proceeded to use a XXXX card to complete payment. We thought it was a fluke, went to another store and had the same experience, I ended up using a card I had with another bank. The store clerk told me that other Regions Bank customers were having that same issue that day. Had she not shared that anecdote, I would have had no clue about what was going on. Money was in my account but I could not use it. I filed a complaint with Regions XX/XX/XXXX and still have not not received follow up. I called the customer support line and am having a hard time getting through to a person to follow up with.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39212
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On or about XXXX I open a checking account with regions Bank .The banker who underwrote the contract forged their signature onto my account signature card turning my account into a trust account and then fraudulently swapping me the owner to be a minor or to an incompetent position of the trust thus fraudulently transferring securities that were supposed to be allowed to me as the beneficiary /owner and Investor of the account to another Private or Secret account the bank holds or knows about.This is a grave violation of both US Code Title 18 Section 1348 and 15 US Code 689 Unlawful acts and commissions ; breach of Fiduciary duty, when supervising government Securities. On the above set date XXXX witness regions banker XXXX XXXX XXXX Id : XXXX forged her signature to my account signature card thus creating a trust account and mislocating the allotted securities for this account. No one is supposed to put their name on my property except for me, not a person that I don't know or trust that works in a bank claiming false ownership and control over the account This is a violation of XXXX federal laws. After she forged her name on to my account signature card I witness her place the paper under a stack of papers on her desk in order to conceal it from my eye site so that I would not notice.So then I asked for a copy of my signature card to examine the documents and she only gave me a automated copy from here computer but I noticed that the original was still sitting in front of me under a stack of papers which made me wonder how could she go into the computer and print out something that's sitting right here in front of me? Not to mention the information on the paper that she printed out had information that I never given the bank, there is a phone number that I had 5 years ago that I never gave regions.How did they invade my privacy as well without my signature or permissible consent? The information that I placed on the original document, with my signature and her signature she kept and filed with the bank manager, thus turning my bank account into a trust account and making me the holder a minor by deceit and without my permission and misappropriating all of the funds and securities that's what's supposed to be allowed to me so that I would not have to suffer from indigency do to the Emergency Banking Act my account never received my credit signature card or my line of credit from being an investor to this bank and they stole my securities and along with the government securities and misappropriated all of my funds, is this miss conduct when the bank manager is watching the banker and acknowledged her by nodding his head and looking in the same direction on the day of the transaction. May I give notice that the bank manager can see all transactions going on at every banker 's computer via remote control and Bank private access they witnessed the banker still the securities that I allotted for and did nothing I would like remedy all rents due all monies due all credits due all insurance premiums due and an audit of the account. There is no one other than myself over the account but yet the banker placed herself over the account without my permission and this initiates a conflict of interest and then not stopping there XXXX issues me misleading information as the account signature card form is incomplete that she'd giving me because it has blank balance blank interest rate and blank annual percentage rate yield when the one that I originally signed had blue ink and numbers on. this is fraud, I am in financial shock please someone help! This bank and banker stole securities from the government and made false claims and reports to the Federal Reserve, FDIC, Sec, IRS This was not allowed please help I have all documents showing fraud in this Bank I never signed the actual paper or clicked a actual system on the computer that gave authorization for the social security number administration to disclose my social security number verification this is fraud my name in all CAP is placed on this paper without my permission consent and my signature is no where on this paper I withdraw their permission they never and they never gained my permission for authorization for automatic payroll deposits that I have not been accounted for they do not have my permission to place my name and their name on my belongings this is fraud I have all supporting documentation They should be charged with XXXX and federally indicted for security fraud amongst other federal charges please handle this matter as soon as possible for I am left without any finances to survive and being deprived and discriminated against. I am in financial shock from the actions and damages of this Supervisory FDIC insured Bank. All attachments are in support and evidence of this claim. Please correct the Account and keep it open to for my privacy
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A