Date Received: 2023-07-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Regions Bank showed up on my credit report with XXXX as a default. Someone used this card, which was closed many years ago, {$76000.00} was charged. Now my credit is being downgraded, and Im worried there will be a domino effect ruining my credit! Please help me, I am retired and have worked my entire life, for what I have. One credit card was downgraded from {$15000.00} limit to {$990.00} Big drophate to think what is next. This made me look at my credit score and report where I found this fraudulent charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78006
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: On XX/XX/2023 I purchased a small amount of fireworks from a temporary store located at XXXX XXXX XXXX, XXXX XXXX, XXXX, Indiana. The clerk verbally told me the total of {$35.00} and I paid and we left ( no receipt given ). On XX/XX/2023, I checked my bank account and saw the charge was for {$350.00}. I immediately drove the the store, but it had already closed up shop since the holiday had passed. I took a picture of the permit posted on the door, with a registration to VIP Fireworks and XXXX XXXX. I attempted that day to call the phone number associated with the store on XXXX, but no one answered. I immediately called the bank, Regions Bank to dispute the charge and filed a dispute with them. I received a denied dispute notification via mail on XX/XX/2023 that I needed to provide proof that I was entitled a refund. I have attempted to reach XXXX XXXX via email, social and even wrote letters to the addresses I had the ability to find for him, but my access to contact information for this individual is limited. I have been overcharged {$320.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46220
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: Someone opened up a checking and saving 's account in my name at region 's bank and i'm trying to report fraud
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: We have a loan with EnerBank USA ( owed by Regions Bank ) to finance the purchase of new windows for our house. This is a 7 year, 0 % interest loan which we have been paying through auto-pay since the inception of the loan in XX/XX/XXXX. While reviewing our checking account statement today, we noticed that they withdrew our payment amount of {$350.00} twice, once on XX/XX/XXXX and again on XX/XX/XXXX. I called EnerBank to question the charge, and they informed me that they were aware of issues with their auto-pay, but we had not received any communication from them that this issue was taking place. I was told that even though the issue was on their side, I was still going to have to go through a refund request process which includes me writing a letter to them to request the payment be refunded to me and sending them a screen-shot of my bank statement to show that the payments had cleared and that we had a positive balance after the money came out. This makes no sense at all because when we log into our EnerBank account website, it clearly shows both payments have been credited to our account. At this point, I asked what agency oversees them so I could file a compliant. The representative laughed, and told me that I could report it to the XXXX XXXX XXXX. This is obviously ridiculous because the XXXX has no regulatory authority whatsoever. It seems fishy that a representative of the bank would not know what their regulatory agency is.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77354
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/XXXX my account overdrawn by {$10.00} due to a XXXX charge. I did not notice my account was low on funds. Through XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX there were additional purchases made on my behalf. XXXX door dash {$26.00} which I believe was double charged. XX/XX/XXXX {$100.00} from XXXX XXXX. XX/XX/XXXX {$28.00} from door dash. Then on XX/XX/XXXX and XX/XX/XXXX no purchases were made but, I was charged {$36.00} for both days. In total I have been charged {$36.00} in overdraft fees daily. Which has my account in negative - {$370.00} as of XX/XX/XXXX. I reached out to Regions bank today regarding these daily fees which has accumulated to {$180.00} total in just a matter of days. I was sent to a supervisor who was unable to help and stated I had to pay these fees. After searching online I noticed Regions Bank had previously had a class action lawsuit where theyd owed millions to members due to their overdraft policies which no other bank charges these outrageous fees. XXXX XXXX I spoke to him on XX/XX/XXXX he was extremely rude and wouldnt provide me with my account number or give me his badge/ID number so that I could submit this complaint properly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70726
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I went to cash my tax check and the teller said we can only dispurse my cashed check in XXXX. I said that's fine. Then she said I can't cash the check but I can deposit it into your account and it will be available after XXXX. I said that's fine. I deposited my check and a few hours later they placed a hold on my check for 2 weeks without disclosing any information. I had a choice and if I knew that I wouldn't have deposited the check. They could have disclosed that information to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38655
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Since XXXXXXXX XXXX XXXXXXXX we have had a fleet fuel card for our company cars thru XXXX 's. We started noticing about 6-8 months ago they were charging a " Credit Risk Assessment Fee '' of {$150.00}. We have always been able to get that fee reimbursed and get some type of " Free '' 3 months without the fee after getting it credited back. The last one came in XXXX XXXX XXXXXXXX and I notified them and they gave me a credit back of this fee the following month but then charged it again. Before noticing I paid my bill in full and closed the account. Now our bookkeeper noticed the fee I am trying to get this credited back to me. XXXX 's is refusing to give me the credit because the account is paid in full and closed. Through the lifetime of this card XXXX 's has been trying to get me to take out more credit with them and we have always refused because of the fee. I believe this is fraudulent and it needs to stop because I am sure they are doing this to thousands of customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 68127
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
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 presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to 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: 33615
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I was behind on my payments and needed a hardship option. This was not offered to me, I received a phone call this morning ( XX/XX/XXXX ) asking for payment. I asked for hardship option and told them I was working with debt relief agency. I told them I could not make a payment today and they said that I was 67 past due and that after 180 days it would go to collections and they could work with a 3rd party at that point. They did not inform me at this point that my account had gone into collections, as they said it would happen only after 180 days. Later the same day ( XX/XX/XXXX ) Regions debited {$320.00} from my checking account with out notification and without my permission leaving me with {$18.00}. I called and was told several times that there was nothing Regions could do about this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 372XX
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I bank with Regions Bank on XX/XX/XXXXXXXX I went into a local branch and issued and deposited my government issued tax refund check I was told i would receive have of the funds on XX/XX/XXXX and the remainder XX/XX/XXXX then I received an email today XX/XX/XXXX saying that i would not receive anything to much later. And gave me information that was incorrect pertaining to my and my account I need help banks should not be able to just hold someone money and if so they need to provide why?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32025
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A