Date Received: 2023-07-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60649
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On a regular bases they will hold me payroll check to allow charges to come through over drafting my account just to collect really large overdraft fees, as of today my account overdrawn XXXX, when a payroll deposit would have been made as it it always post on a Wednesday, others at my place of employment received their pay today, I think it's unfair and have have been banking with Regions for 20 years and have paid some thousands of dollars in overdraft fees...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have had a mortgage with Regions Mortgage for approximately 30 years with the mortgage being refinanced. I have always paid the taxes and insurance for this property. On XX/XX/XXXX, Regions Mortgage sent {$2700.00} to XXXX XXXX ( Indiana ) to pay delinquent taxes. The first letter I received from them indicated that the property taxes were for XXXX. When I contacted them and sent them information to show that the property taxes were paid in full on the property on XX/XX/XXXX ( with no back taxes owed ), they changed their story and sent another letter indicating that the payment was for XX/XX/XXXX. Those taxes were paid on XX/XX/XXXX so this amount was credited to the XX/XX/XXXX taxes. Regions Mortgage is treating this as a loan and demanding payment. This has caused my credit score to go down and I am not getting resolution even though I began the process to get resolution on XX/XX/XXXX - almost XXXX month after everything had already been paid in full. Regions Mortgage is telling me that they need to research all of this and can not tell me when this will be straightened out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46236
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I was charged an unnecessary fee to cash a regions check at a regions bank. The check was a business check against a regions account and was presented for payment at a regions branch in person. I was told the fee served no other purpose than to incentivize customers to open a new account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63116
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am asking for your help in reguards to a Paid off HELOC that matured on XXXX, it was a 20 year HELOC that had XXXX payments and XXXX final ballone payment to be made. I paid off the total balance in XXXX of 2023 about a month early. The product had a maturity date of XXXX. Till this date of XXXX i have not received my payoff or satisfaction of mortagage doccument. On XXXX i went to my insurance agent to ask for coverage changes and to have regions bank taken off policy, but agent told me that i needed my satisfaction of mortagage doccumentation. I then went to the branch and talked with XXXX about this doccumentation and asked him to please make contact with the banks office that handles this ite. XXXX the XXXX associate then said that they were not able to do this from the branch and the agent was ablt to make the changes i desired. I then went back to the XXXX agent telling him what XXXX had said and stated no XXXX we can not do like this, we need the satisfaction doccument. So as of XXXX i have no insurance coverage, again talked with my insurance agent about a another policy, but is costing around {$950.00} dollars more, see the company i was with for about 3 years was around {$2200.00} and new policy is around {$950.00} more. I have asked regions for a arbitrator as per there HELOC specs, but they have given me no answere at all. What they have pushed me into is not right. On around XXXX talked ato a Regions Rep. named XXXX who has been very helpful in trying to fix this. But at one time i was told that i had to request that the product be closed out. But two items one i had Regions sendine me 6 months prior every other month that HEOLC was maturing and need to be aware that a pay off was needed, so why didnt they close product out and send me my notice of satisfaction which as of to day have not received yet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32405
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I opened a fraud dispute under the claim XXXX, I said that all transactions made with my debit card ending in XXXX from XX/XX/XXXX are non authorized. Due a mistake from the representative he also included 2 transactions that were authorized by me on XX/XX/XXXX XXXX XXXX XXXX XXXX {$740.00} ( both same amount date and merchant ) So thats why the claim was denied. I need to reopen the case as fraud dispute taking out those 2 transactions from the claim. and also open another claim, merchant dispute for merchandize not received. card ending in XXXX XXXX ) XX/XX/2023 XXXX XXXX XXXX XXXX {$740.00} XXXX ) XX/XX/2023 XXXX XXXX XXXX XXXX {$740.00} both are an XXXX XXXX, the merchant must delivered the purchase on or before XXXX XXXX XXXX, they never sent the items. I tried to contact them by the website without any answer several times starting on XX/XX/XXXX I attached the letter from the bank highlighted those 2 transactions I tried to fix this by customer service, after speaking like 30 minutes with the representative the call was disconnected and I tried to call 5 times after and the answer was " we cant locate any account with that account number '', doesnt make sense if I gave the same information as the first call. Please fix that, I have the same problem many times when I call customer service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33026
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I scheduled my monthly payment online, the same way I always do. The day the payment was due, I received an email that said my payment was returned and a returned item fee may have been assessed. On XX/XX/XXXX, I received a letter from XXXX, stating that my payment had been returned due to NO ACCOUNT and a thirty-dollar fee had been assessed to my account. I have called multiple phone numbers many times, trying to reach someone to resolve this false charge but nobody answers the phone. They keep you on hold indefinitely, until you give up. I have also tried emailing them through their website, and it says someone will be in touch with me but nobody ever contacts me. They also have an option for texting, and that produces zero results as well. I called their corporate phone number and a receptionist answered the phone, but she said all I can do is keep trying the customer service line. I am filing this complaint, not because of the dollar amount, but because this is theft and this bank needs to be held accountable. I have read many reviews on this bank and see a lot of the same complaints that I am experiencing. XXXX : XX/XX/XXXX - scheduled regular payment online for XX/XX/XXXX. XX/XX/XXXX - received email that payment was processed. XX/XX/XXXX - ( payment due date ) Received email payment was returned unpaid. XX/XX/XXXX - Received letter in mail stating that I was assessed a {$30.00} fee for not having an account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46514
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Fraud or scam
Subissue:
Consumer Complaint: We were victims of wire fraud- the real estate agency that we were working with emails were hacked and my husband deposited {$350000.00} into The Regions Bank based in XXXX XXXX AL in an account on XX/XX/2023 the wire was supposed to be sent to Title Agency and had the title agency name and our name. The Regions Bank accepted this wire in the account with a different person name ( knowing it was not the title agency ). We have tried numerous times to recover this money and they refuse- even though they know it was done due to fraud. We want to report The Regions Bank for failing to respond/ refund fraudulent money. We know the money is still in the account- we have talked to a nice teller lady. The longer this goes on- we will not get our {$350000.00} back which is most of my life savings! I need someone to please help us. My name is XXXX XXXX and my phone is ( XXXX ) XXXX and my email is XXXX. I need assistance in recovering my money Thank you for your time Sincerely XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 857XX
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In XXXX of this year, potential new client attempted to pay me with a {$1500.00} check I deposited, Just to make sure, I did not cash this check but did not draw upon whatsoever. I simply waited the 10 days and when it came back no good believed I had dodged a bullet. However, Regions Bank saw it differently and my online access has been locked. My account has been frozen. I have been to multiple branches in person, attempting to get access to my accounts and still cant get access to my account. The account has direct deposit going into from time to time but I can not get anyone in that organization to release the hold.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have a checking and savings account with the Regions Bank. Around the end of XXXX beginning of XXXX I received a text message early in the morning stating it was my bank security was I trying to do an online purchase. If no please text back no and it asked me if I wanted a new debit card ordered. I text back no I was not trying to make that transaction and I also stated no I did not want a new debit card ordered. Around that same time I had did a chargeback concerning an attorney I paid a retainer fee to which did not take the case and regions Bank did a e-correction underneath the stipulation that I paid for a service I did not receive. Now over 90 days later, I received a letter in the mail stating that on XX/XX/XXXX {$1000.00} would be taken out of my account to repay the correction refund that I had originally disputed in the funds were given to me by the bank. Which the chargeback was for {$1200.00} and they stated they were only taking {$1000.00} back out of my account. The letter also stated that if I had any documentation to further defend my side of the dispute to please turn it into the bank which I did do so. I took the letter into the branch here in XXXX Georgia, and what was odd to me and the gentleman that helped me XXXX XXXX XXXX was that the card number on the letter was not the card number for my account nor was the one used when the original payment was given to the attorney 's office. Then they said the case had been closed and I couldn't turn in my information and there's absolutely nothing I can do about it that the Visa merchant sent a copy of the authorized payment when I had authorized the original retainer fee in the beginning. That's what they said they decided their investigation on was the sign original receipt of me authorizing the payment to the attorney which of course that would be there they would be no reason to do a chargeback if I hadn't stated that I originally paid the gentleman who didn't take the case and I never received any services on. I turned in the original contact for me and the attorney 's office I also turned in the withdrawal of council and the signed order from the judge stating that he was not the attorney on the case along with the email from the attorney 's office where they had stated that we didn't have to do a chargeback that they were going to refund the money as soon as possible. Not to mention that I was told I they had 35 to 45 days to do a dispute to hold the money in the account that they had given back to me until that time. I did do that and now over 90 days later they just all the sudden take {$1000.00} out of my account leaving me in a hardship and they have no explanation for it they told me they can not give me a merchant ID number of where the money actually went to and on my account it says Original Description REG E CLAIM REVERSAL ACH FORCE PAY DEBIT. Also when I went to look in my online banking on my statements all of the dates for these transactions seem to be rearranged and I can absolutely prove that because there are dates where I had paid to overnight things to the attorney in the beginning for him to review the case to see if he was going to take it but they stated that they refunded me the money for it week or so prior to me even sending the case information to the attorney. In the very beginning when I received that fraudulent text message that look like it was from the bank 2 days after I went up to regions Bank to get a new debit card and to look into it they said they showed no documentation of that but the account had been locked or changed where I was not eligible for a debit card anymore. I went without a debit card until early XXXX when I went in to see the gentleman and another branch in XXXX regarding the letter I had received about {$1000.00} coming out. He stated it was a simple box they had to check and he wasn't sure why the people at the other bank didn't realize that and immediately issued me a debit card. I feel absolutely like the account information has been hacked and that for some reason a couple of the bank tellers acted very weird about wanting to help me like stating that they weren't they couldn't see merchant ID numbers or the numbers like when somebody has a credit card machine and it shows the ID number for that credit card machine so you can prove that that was the machine that actually swipe the card it took the payment that they didn't have that information but I was able to pull it up on my online banking there's never a manager available and when I call they put me on hold for 35-40 minutes until I eventually hang up they refuse to let me speak to a manager when I call always stating that no one 's available and the information that I turned into XXXX XXXX at the XXXX Georgia location he said he gave it to the manager however he said that I needed to make an appointment with the manager and make sure I bring in everything that I have for my side because the case have been closed well what happened to the paperwork that I gave him originally when I went up there to dispute it. I don't believe that that was actually the attorney 's office that did the charge back dispute well over the policy of time frame to do so and I do believe that this account has been hacked into information given out and I'm very scared about my information being out there and I am negative {$700.00} in my account because of this fraudulent negligence really on the part of regions Bank. When I XXXX some of the information that I was experiencing it was all over XXXX about the region bank tellers selling off People 's Bank information and the fraudulent text messages coming in acting like Bank security etc. At this point I would be very weary and extra careful when it comes to dealing with your account already established with regions Bank or opening up an account with regions Bank. This does sadly deeply because I have been a customer of regions Bank for many years they have always been on top of their fraud and have always treated their customers with my experience very well very respectfully and I've had a lot of knowledge and kind of really just looked out for you. What is happening now doesn't seem like regions Bank and somebody definitely needs to look into this financial institution to see if there's a group of employees that are doing this or some third party that's doing this because it is placing a very big hardship on its customers that trusted in regions Bank that once was trustworthy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 318XX
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A