Date Received: 2023-07-28
Issue: Problem when making payments
Subissue:
Consumer Complaint: In XX/XX/XXXX, I got a small loan from EnerBankUSA through XXXX XXXX to replace a sewer line. In XXXX XXXX, I tried to contact them about increasing my payment but couldn't talk to anyone or do it through the EnerBank website. After a frustrating month, I learned that EnerBank had been bought by Regions Bank. I tried repeatedly to talk to Regions about the EnerBank loan but they didn't even know that Regions bought EnerBank. The most recent conversation on XX/XX/XXXX, I was told that Regions didn't service EnerBank loans. I got a letter from EnerBank saying I owed {$23.00} in addition to the required payment- for what? The customer service number on the letter has been disconnected. Tried to access my EnerBank online account which says they don't recognize my email- the same email they send payment reminders monthly. Federal Reserve told me that Regions bought EnerBank in XXXX. I did not receive a XXXX annual statement from EnerBank or Regions. Where are my auto-payments going? Who is servicing the loan?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77035
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My name is XXXX XXXX. I am a faithful regions customer and have nearly XXXX XXXX dollars in deposits with them ( was nearly XXXX XXXX until a few months ago ). Someone wrote a check that was fraudulent a few weeks ago and I met a region 's employee XXXX at the XXXX XXXX branch to address this. I asked him if I needed to close this account and he said no, not just for one fraud check. I went to check my account last night and a XXXX check ( or maybe ach ) had taken place. This was also fraudulent. That is XXXX dollars taken from my account!!! I am beyond frustrated and am at wits end. I know that regions has made a ton of money over the years and want to stay with them, but this is unacceptable. I need this money back in my account or I'm going to close all of my accounts and move my money to a bank that cares about me. I have waited months for a refund on the first charge and regions is not going anything!!!! Account number XXXX. Fraud Charges : {$9700.00} {$4900.00} This is absurd how poor regions have handled this!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39110
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute the negative account balance on my account with Regions Bank, which has been a direct result of a scam I fell victim to involving the crypto company, XXXX. I believe that the circumstances surrounding this unfortunate incident warrant a thorough investigation and resolution. I have been a loyal customer of Regions Bank for [ number of years ], and I have always valued the professionalism and reliability of your services. However, the recent events involving XXXX have severely affected my financial well-being and have had a direct impact on my small business operations. Firstly, for your reference, I have attached relevant documentation, including news articles and legal filings, which highlight the fact that XXXX has been sued by the United States Secretary. These legal actions demonstrate the fraudulent nature of XXXX 's operations, and as a result, I have not only lost a significant amount of money, but my account balance has also been driven into a negative status. The negative balance has had devastating consequences for my small business. It has impeded my ability to meet crucial financial obligations, such as paying suppliers and employees. Furthermore, the financial hardship caused by this situation has even impacted my personal life, as my beloved grandmother recently passed away, and I am unable to afford the necessary expenses to attend her funeral. This has caused immense emotional distress and hardship for me and my family during an already difficult time. I kindly request the following actions to be taken in order to resolve this matter : 1. Conduct a detailed investigation into the fraudulent activities of XXXX, and acknowledge the impact it has had on my account balance. 2. Waive any associated fees or penalties resulting from the negative balance caused by the scam. 3. Provide immediate reimbursement of the funds lost due to the scam, allowing me to restore my account balance to its original state. 4. Consider providing necessary financial assistance or a temporary extension of credit to help alleviate the strain on my small business during this challenging period. I understand that Regions Bank takes the security and satisfaction of its customers seriously, and I trust that you will thoroughly investigate this matter. I have complete faith in your ability to rectify this unfortunate situation promptly and amicably. I kindly request a timely response within 2 days to ensure that I can make necessary arrangements for my grandmother 's funeral and begin restoring stability to my small business. In the event that a resolution is not achieved at this level, I will be forced to explore alternative options to protect my rights and seek the assistance of regulatory authorities. Thank you for your prompt attention to this matter. I look forward to a positive resolution and the restoration of my trust in Regions Bank. Yours sincerely, XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70122
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Received letter from Regions Bank XXXX XXXX XXXX XXXX, Al XXXX regarding a Standard Overdraft Coverage opt in for an account I did not have. Letter was dated XX/XX/XXXX and mailed to an old address of XXXX XXXX XXXX XXXX XXXX, Al XXXX. I do not nor have I ever had an account with Regions. I notified Consumer Protection and spoke with XXXX who said someone set up the account online. Last four numbers of the Regions Account Number is XXXX. Submitted forms requesting a fraud alert for the account on this day XX/XX/2023. I froze my credit with the three major credit bureaus and was advised by Regions to notify CFPB via Federal Trade Commission.
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: 2023-07-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Wednesday, XX/XX/XXXX, I contacted the Regions Priority Customer Banking line and requested to file a complaint against Regions and their mobile deposit policies. I have both personal and business accounts with Regions. I am rarely allowed to perform a mobile deposit. Regions has daily and month mobile deposit limits, which I understand. What I do not understand is why Regions is counting both my personal and business deposits together into XXXX lump sum, and every time I attempt to make a mobile deposit I am told I have reached my limit. I have made XXXX mobile deposit the entire month of XXXX. It was done on XXXX for {$6700.00} in my personal account. I have not been allowed to make a mobile deposit into my business account this month. The month of XXXX I made XXXX business mobile deposits. They were {$2200.00} on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX. There is not a Regions branch in XXXX XXXX. I have to drive sometimes multiple days a week over an hour round trip to just deposit a check. I explained to the priority banking representative that if Regions is going to punish me for having multiple accounts by combining both personal and business mobile deposit totals, I should also have a combined limits that represent the total limits of both personal and business accounts together. The priority banking representative told me he was aware of some priority banking customers requesting larger mobile deposit limits and receiving them. I told him that I made that request in the branch with the branch manager. The branch manager told me they submitted the request but was told no. I told him that I would also like to add discrimination to my complaint since he informed me that Regions is offering services to certain priority banking customers that they refuse to grant to me. He took down my information and said someone may or may not be in touch with me about my complaint. I asked if he knew who to speak to about getting my limits raised and he said no. I asked if his supervisor knew and he said no. He said all he could do besides take my complaint was to transfer me to the online banking department. I said that would be fine. I spoke to someone in the online banking department and explained the problem and complaint to him. He said that there were not different mobile deposit limits. I said well the branch says there is. Your priority banking department says there is, and the priority banking representative had told me he could only give me information that is in his manual, so therefore ; the manual must also state there are different limits. I told him that so far today no one seemed like they cared or was listening to me and perhaps the CFPB would be willing to listen to me. He sarcastically said, " Oh well thank you for banking with Regions '', and then hung up on me. My Regions Complaint Reference number is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 380XX
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: XX/XX/24 : my account is overdrafted {$17.00}. I attempt to move {$20.00} from a joint account at the same institution to my overdrafted account. online banking will not allow me to move the money ( this is normally not an issue ). I physically go to a Regions ATM and have to withdraw {$20.00} from my joint account and then immediately deposit to my overdrawn account. this brings my total + $ XXXX. approximately XXXX XXXX XX/XX/24 : approximately XXXX XXXX I check my account. Sometime after banking hours a overdraft fee of {$36.00} was levied on my account after bringing it out of overdraft the previous day. current checking account total is not accurately reflecting pending transactions. Bill pay transactions are being executed when they are most likely to cause an overdraft I.E. in the middle of the night. Pending transactions are being executed when they are most likely to cause an overdraft I.E. date moved forward in the week ( one such transaction was already cleared with retailer and items shipped ). Internal transfer system will not work under an overdraft situation ( this has happened on a previous occasion ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: after checking my credit report I discovered credit card accounts had been opened using my name and social security number, his address and phone number not mine.XXXX card XXXX balance, XXXX XXXX XXXX balance, XXXX XXXX XXXX balance, XXXX XXXX XXXX balance and XXXX XXXX which has been turned over to a debit collector. All opened in XXXXwithout my knowledge or permission
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 040XX
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I want you to know that I missed the payment on my account due to my serious illness and hospitalization. The XXXX pandemic has significantly impacted my life, and I have faced various challenges because of it. I lost out on job opportunities because of the late payment remarks on my credit report, and I was unable to close on a home for my family as a result of this situation. This has been a difficult and stressful time for me, and I am feeling really XXXX about the whole situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33032
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Our Regions Bank accounts were emptied by an unauthorized user beginning about XXXX XX/XX/2023 until we were obligated to close all our accounts at Region in XX/XX/2023. We believe that unauthorized person ( s ) were able to request and receive an ATM card without our knowledge or permission. Withdrawals were made that were out of character for the account by person ( s ) making maximum daily withdraws at Regions ATM machine XXXX miles away from where we live between XXXX XXXX XX/XX/2023. We went into the bank to report suspicious activity on our accounts- and the thefts continued despite our asking for a freeze and red flag any account activity! Several XXXX more was withdrawn after we alerted the bank to the fraudulent withdrawals. We have disputed these withdrawals and particularly demand to know who and how the request for the ATM was made with Regions Bank. We have provided the bank with all the evidence we can that we are victims of a crime of theft from our accounts for {$6900.00}. We provided Regions Bank with public information regarding the release of confidential banking information from Regions employee that impacted a large number of account holders in the area where our funds were illegally withdrawn. Regions, despite that evidence, denied our appeal. After 3 appeals to Regions Bank internal investigation, we continue to be denied a claim as they report the withdrawals were authorized. We have filed the necessary reports with our local Sheriff 's office and we forwarded that report to Regions Bank. A copy of the Victim 's Report from our Sheriff 's office has been forwarded to the area where the actual thefts occurred in XXXX XXXX FL. This Sheriff 's report will be forwarded to Regions Bank once it is assigned a case number and published. We are seeking any kind of external support to investigate our claims of fraud and seek to have our funds returned.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32168
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: XXXX XX/XX/XXXX a charge went in to my regions account I transferred money from cash app the next day to cover the negative balance. They still charged me a XXXX $ overdraft fee. The manager at the XXXX, TX location said she would get back to me before end of day when I called. And I also used the chat that night. Nothing was done. On XX/XX/XXXX they returned my payment which brought my account back positive and still charged my account a {$34.00} overdraft fee. On XX/XX/XXXX I called the XXXX XXXX number and spoke with XXXX and told her about both incidents. I told her I know it's computer generated and sometimes it mess up she told me none of the higher upside could fix it. She told me to call the branch manager at XXXX and follow up with her since she didn't follow up with me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A