Date Received: 2023-06-07
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XXXX the XXXX through the XXXX XXXX {$400.00} regional Bank went into my savings account without my permission and took my {$400.00} after I may attempted to solve the problem for for something they say was a computer glitch my local branch straighten the problem out and refunded my money back into my account but later on the XXXX they went back into my savings account and took {$400.00} out after I did it online transfer for {$400.00} after I cancel my {$3000.00} CD with them the fee cost me {$20.00} before I cancel it I had a balance from {$100.00} etc from a refund from XXXX that's the only money I had in my checking account then I went to withdraw my CD they charged me {$20.00} after that I deposited {$1000.00} about XXXX on my lunch break and then I looked up about XXXX a.m. it was a negative balance of {$2400.00} with a balance of in my savings was XXXX but first it was XXXX then they left me a balance of {$1200.00} I went up to my local bank and ask them what was the problem they told me it was a computer glitch and we will straighten them situation out they straightened it out and refunded my money back for {$89.00} in my checking and {$500.00} in my savings but later on today regional Bank decided to go back in my account and take {$400.00} out and claim that this is not my money I have receipts a bank receipt this is a history regional Bank have committed a violation against my savings account and my money I like to file a complaint thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37042
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: On XX/XX/XXXX I opened a regions acct about 1 week or so after I got the card in the mail I went to the XXXX XXXX branch to deposit funds which they said I will be able to use my account in 24/48 hours. My deposit was forced into the acct apparently. If an alert or something was on the acct why would they waste my time in me putting my money there? They wont fully close the acct or give me my money back they basically said I need to wait 120 days to get my money they shouldnt have let me find it knowing that it wouldnt be able to be used
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33063
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: In XXXX of XXXX, we locked in a mortgage rate with Regions Mortgage. The mortgage lender made no mention that we were going to have to deposit {$100000.00} to have the rate we locked in. During the entire process, the Regions Mortgage lender, XXXX XXXX was not being transparent and lost a good amount of personal information provided to him and his assistant. Please note, all personal information requested from us was provided with 24 hours. We did not even receive the XXXX XXXX XXXX. My husband is the only one that received any information via Regions system throughout the process. When I requested the information be sent to me too, nothing changed. We were not informed about having to deposit the {$100000.00} until a week before closing. When my husband and I set up the checking account, Regions made the account joint. The very next day after the account was opened and all account information was provide to us, I received a call from XXXX XXXX saying I could not be on the account and that I had to remove my name within 48 hours or else. XXXX declined to provide any details or send an adverse action letter to explain anything. As mentioned, throughout the process, the mortgage lender and his assistant continued to lose sensitive information and I still don't know if it is secure. Plus, I still have not received an adverse action letter. Its been almost 60 days since XXXX XXXX told me I had to remove myself from the account. To make matters worse, the Mortgage Lender consistently provided incorrect information about how much we would need to bring to closing. When we received the Closing Statement 3 days before closing, it was wrong and did not align with anything discussed between us and the mortgage lender. When I brought this to the attention of the Mortgage Lender, XXXX XXXX he told me I had to sign it or we would not close on time. Keep in mind, Regions had to extend the rate lock because they continued to delay closing, so now we had no choice but to sign an incorrect closing statement to be able to close on time with the rate we needed. The final closing statement was not even provided until 45 minutes into the closing. The Mortgage Lender said we could close in two weeks from the beginning of the process. He then said we could close in 60 days. He then had to extend and forced us to sign an incorrect Closing Statement by threatening us that we would not close and they could not extend. Keep in mind, we provided all personal information requested within 24 hours of each request. Delays were solely on Regions. The Mortgage Lender told us in the beginning of the process that closing funds ( in addition to closing cost ) would be {$0.00}. They ended up being around {$60000.00} and {$22000.00} was not even disclosed until the night before closing. Regions refused to accept payments made to the builder even when my other banks were telling Regions my information provided was official. XXXX even spoke to a representative at the bank. The other bank provided a signed official letter, but Regions would not accept it. The other bank stated they used this method for all consumers when they to certify information and Regions still would not accept it. This resulted in us having to bring {$35000.00} more to the closing table than necessary. Again, {$22000.00} of it was not even disclosed until the night before closing. Had we known ahead of time, iit may not had been a problem. However, XXXX XXXX misleading us through the process caused us a lot of stress and list interest. We received a call from XXXX XXXX XXXX after providing a bad review. XXXX took the same information from us and has done nothing. Weve left her three messages, but she hasnt bothered to return our call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Regions Bank failure to recognize insurance coverage and purchasing backdated insurance coverage. See attached documents outlining the issue and steps taken to resolve.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70043
Submitted Via: Web
Date Sent: 2023-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: XX/XX/XXXX : moved from XXXX XXXX XXXX XXXX XXXX. Updated address information on all bank accounts including Regions Bank in XXXX. Did not close any accounts. XX/XX/XXXX : Called Regions Banking information line to inquire whether I could open a CD because the rate for a XXXX-month special was XXXX %. Spoke with XXXX and XXXX. Specifically stated I lived in XXXX, XXXX and asked if this was allowed. I was informed that yes, it was allowed. I was instructed to " draw down '' my money market and checking accounts and transfer the balances into my savings account and then to close both checking and money market accounts. After the balances had transferred, I could open a XXXX through my XXXX account. The total amount I intended to place in XXXX was about {$10000.00}. Asked if I could transfer additional money down to add to this XXXX and was told yes. Proceeded to write check from XXXX XXXX in XXXX in the amount of {$10000.00} and remotely deposited this to my Regions account. XX/XX/XXXX : Received notice that there was a hold on my remote deposit from XXXX XXXX Called customer service ( XXXX ) and was informed that because it was an out of state check there would be an automatic XXXXday waiting period for it to clear. I would have to wait until it cleared if I wanted to include that money in the XXXX I planned to open. XX/XX/XXXX : Called Regions to open XXXX with the {$10000.00} available from my Regions accounts. Spoke with XXXX and XXXX. Again I was told that because I was out of state, I could still open new accounts but had to use the Regions XXXX customer service line to do so. As directed previously, I closed both checking ( conf XXXX XXXXXXXX ) and money market ( conf XXXX XXXXXXXX ) accounts and opened a XXXX account. I transferred {XXXX} of the XXXX account balance into the XXXX-month special XXXX XXXX at the declared rate of XXXX %. I was told once my XXXX XXXX check for {$10000.00} cleared I could either add it to the XXXX or open another XXXX if rates had increased further. XX/XX/XXXX : Called former personal banker, XXXX XXXX, at XXXX branch to inquire about transferring money between Regions and XXXX XXXX since check had finally cleared. I was unsure if I wanted to add the {XXXX or keep the cash liquid because some house expenses had come up. XXXX informed me that when my XXXX account at Regions at closed, the interest rate on my XXXX XXXXropped from 4.25 % to .01 %. XXXX believed I could reopen my checking account which would fix the XXXX rate, or at least allow me the open to open a different XXXX since I was in the XXXX-day grace period for changes to the XXXX created on XX/XX/XXXX. He instructed me to call the XXXX Customer Service. XXXX with XXXX on the XXXX and asked to reopen checking to correct this error. She stated I needed to talk with the XXXX department and transferred me to XXXX, who stated the XXXX department can not open or close accounts or make changes to existing accounts, she could only act on " tickets '' sent to her department via the Contact XXXX Support Services. She stated the Contact Center does not have a phone number and I as a customer can not contact them. She also stated she can not contact them by phone or fax from her department. XXXX stated that the Contact Center could correct the rate if I opened another checking account and transferred me back to New Accounts to do that. Spoke with XXXX from New Accounts on the XXXX who stated I could not in fact open a new XXXX account if I reside outside the Regions " footprint ''. She stated I could retain the XXXX at the existing rate of .01 % because I had the savings account. She stated I should not have been advised to close my checking account because that automatically reduced the CD rate. She consulted with a supervisor and upon return, stated the CD should never have been opened because I live outside the Regions footprint. She stated my only option was to close the CD, pay interest penalties, and in order to close the CD I had to send a notarized letter to the Contact Center Support Services with all my information and request the account be closed. She stated they could send me a check with the balance or I could transfer it to savings. She stated I could then call the XXXX to close out the savings once the money from the CD had been transferred back into Savings. She stated there was no option to fax or otherwise get the information to the Contact Center Support Services, which was in charge of approving the closure of the CD. She also stated she could not contact the Contact Center Support Services but provided me with the address in XXXX XXXX She stated I would need to send the notarized request along with a copy of my driver 's license or passport and in my letter explain why I needed to close the account. She stated it would likely take 2-3 days to process my request once the letter was received, and another 7-10 days to close the account and transfer the money into my savings account. She stated because I was within the XXXXday grace period this would not negatively impact me in terms of penalties, or at least the penalties would be minimal. She assured me the penalties assessed would only be applied to interest earned, not principal. I expressed dissatisfaction with this outcome because it was all due to errors and misinformation provided to me by XXXX employees and yet Regions was unable to resolve it internally. XXXX offered me the option to speak to her supervisor and file a complaint which I did. Spoke with XXXX, XXXX 's supervisor who stated she would review the calls I made previously to determine whether my version of events was correct. Received call fromXXXX, a XXXX of one of the XXXX agents I spoke to. XXXX repeated the information I had received from XXXX : I would have to send a notarized request to the Contact Center Support Services ( unreachable by any other way, according to XXXX and XXXX and XXXX ). XXXX apologized on behalf of Regions. I stated I was deeply dissatisfied with the series of events and pointed out that while Regions had committed the errors that led to this, I would have to pay money of out pocket to resolve these mistakes. Meanwhile, Regions Bank still had the money I had deposited in my savings and XXXX accounts and could earn money on my money which I was unable to access. XXXX stated the mistakes were not intentional. I stated I knew that but the impact was the same regardless. XXXX stated I could keep the interest earned on my CD but with the reduced interest rate that would only amount to XXXX XXXX. I stated I was not satisfied with this and would await the results of their internal complaint review. In total, spent approximately XXXX hours on the phone. XX/XX/XXXX : Write my letter to request closure of XXXX account, included a copy of my driver 's license and passport, my current address, the circumstances necessitating the closure of account, and requested that the balance be transferred to my XXXX savings rather than have a check mail. Had letter notarized and sent via Certified Mail with XXXX XXXX : Set up an " external transfer '' from Regions to my XXXX XXXX account in XXXX so I could transfer savings balance with CD money back to a bank close to me. The Regions portal informed me I could only transfer {$2000.00} per transfer and a max of XXXX per month, with a {XXXX fee per transfer. I decided I would wait and then request to close out this account altogether once the CD had been closed and and the money returned to my XXXX XX/XX/XXXX : Confirmed via tracking number that my letter had been received on this date by Contact Center Support Services. XX/XX/XXXX : Received letter from Contact Center Support Services denying my request to close CD account for the stated reason : " The account must be closed at a local branch, or the branch where you opened the account. '' ( I opened the account by phone, as previously stated. ) A " XXXX '' number associated with this denial was provided. I called the XXXX again ( XXXX ) and first spoke with XXXX XXXX who transferred me to the XXXX department. Spoke with XXXX in the XXXX servicing department who stated she could not find anything associated with the " XXXX '' number provided and I would have to speak to someone in a different department see if they could research the specifics behind the denial. XXXX stated that there was a XXXXday hold on all new accounts in my name, and also because I sent the request letter ( as directed by Regions ) to the Contact Center Support Services , she had no way of accessing the letter. She stated she could not ask for a copy of the letter from the Contact Center Support Services, nor could she contact them via email, phone, fax, or any other means. She stated I should send a new notarized request to her department in XXXX XXXX and then she would be able to close out the XXXX account. I stated I had been told multiple times by multiple people on XX/XX/XXXX to send the letter to the address in XXXX XXXX and stated this did not make sense to me. She stated I should not have sent the original letter to XXXX even though I had been repeatedly told to do so. She stated I needed to re-write the letter, repeat the process, and then the CD would be closed I could be sent a XXXX XXXX check. I asked to file another complaint, and did so with XXXX. Following that, I asked about closing out my XXXXXXXX account once CD was closed and XXXX stated she did not know about that, I would need to talk to someone else and transferred me to XXXX, a personal banker. XXXX stated XXXX should be able to research the " XXXX '' number associated with my denied request from the Contact Center XXXX Services department. Spoke with XXXX, who stated she would not look up the XXXX number until I had explained the reasons for my call. Once I had, she stated I had probably made a mistake on the letter and should submit it again. She asked me to read the letter to her that I had received from Contact Center Support Services in its entirety, and then restated her position that I should " just try again. '' I stated I had done as instructed and asked her again to look up the " XXXX XXXX' number if she was capable and she finally did, stating that the details stated my request was denied because I had asked for the balance to be transferred into my savings rather than be sent a cashier 's check with the balance. She did not say why this was denied. She stated I would have to talk to the " local branch '' where I opened the account. I stated I had opened the account over the phone. She stated that according to the records, the CD had been opened via the local branch on XXXX XXXX in XXXX and I would have to talk to them. She transferred me to that branch. There was no answer. I let it ring for about XXXX minutes then hung up and tried calling again. There again was no answer at this local branch. Total time on the phone was slightly over one hour. XX/XX/XXXX : Called my previous local Regions branch on XXXX XXXX in XXXX and spoke to a personal banker whose name I did not write down. I was trying to reach XXXX XXXX but he was on vacation. The banker I spoke with stated I can not close a savings account remotely. My only option was to do external transfers with the imposed limits, paying fees each time. This banker stated he did not know another way for me to close out the savings. He stated I should never have been advised to close my checking because that not only ruined the CD rate, it also made it very difficult to get my money back in my own possession. He suggested I called the Regions XXXX and ask for a supervisor in existing accounts to see what they could do to correct all these errors. *Because of the never-ending series of transfers every time I try to contact customer support, the opaque nature of the Contact XXXX XXXX Services who allegedly dictates whether or not I can close the CD which was opened with false information provided to me by Regions employees, the circuitous and erroneous information I have been repeatedly provided by Regions in attempts to remediate these problems, and my fundamental inability to access my own money despite following the procedures laid out by XXXX customer service. All I want is to have my money back. I am now beyond the XXXX-day grace period and do not know what penalties will be assessed or even if Regions will ever close this CD. I have no faith in XXXX to resolve this internally. Previously, as an in-person customer, I had only positive experiences with Regions. However, having moved out of their " footprint '' now I am completely unable to get this resolved and ask for your help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 558XX
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On XX/XX/XXXX my wife and I were talked into purchasing a solar panel system from XXXX XXXX XXXX. We resisted but were finally convinced by the argument that we would be able to pay the financing fees from the money saved on our electrical bill. This very soon proved to be false and in XXXX XXXX XXXX we made a complaint to the Division of Consumer Affairs, Tennessee. We strongly requested that the solar panels and associated equipment be re-possessed and all monies paid by XXXX returned to them. Didn't happen. In XXXX XXXX XXXX we were informed by the DCA that XXXX XXXX was put under receivership by the states of Tennessee and Kentucky due many complaints like ours. We repeated our request for the equipment to be re-possessed and informed XXXX of this. Still didn't happen. XXXX are now chasing me for payments on the loan, calling me with threats of damage to my credit. We can not afford both the electric bill and financing payments as we are XXXX living on social security. I have spoken with XXXX telling them that they are very welcome to send a technician to remove and re-possess the equipment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 378XX
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Since 2022 im not being abble to use my debit card Visa, all transactions are being rejected. I being calling the bank, chatting and also speaking with my branch about this issue and the answer is always we will send you a new debit card and pin. I have like XXXX debit cards and all have the same issue, transaction declined. Also the last representative told me that my account was frozen for non use, so I was instructed to make a XXXX transfer to unfroze the account. I did that and the problem remains the same. My account was locked due " security '' reasons on XX/XX/2022, same date when the issues started. The account was unlocked a couple of weeks before. Today XX/XX/XXXX I was chatting by a teammember to fix this issue, they closed 2 of the 4 debit cards I have active, but the problem remains the same
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11207
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Opened new account XX/XX/2023 at Regions Bank. Went to deposit my payroll check of {$1000.00} on XX/XX/2023. Funds were not available upon despoiling, I called the branch and was told it would be available after midnight the following day. None of this was told to me while in the drive thru of depositing. Later that day, the mobile banking application showed funds were being held for 2 weeks and my funds would not be available until XX/XX/2023. Received a email stating they were holding my funds due to my account being repeatedly overdrawn for 6 plus months and my account wasnt even a month old and it was never in a negative balance. I called the XXXX telephone number and was told to contact the branch to get this hold released. I have made several attempts to speak with the bank and branch manager to get this resolved and they have all be very inconsiderate and rude. They have made none of my funds available, they refuse to release the hold because they state they cant lose their job if the check is no good. They had a lot of time to get that check verified they day I deposited it or even business days afterwards but they refused to do so. That leaving me no access to my hard earned money. I have direct deposit but they first check must be a live check for one pay period before direct deposit takes affect. This bank falsely stating my account to be delinquent in order to hold funds is not right. They refuse to do anything and now have caused me to fall behind on my dues and providing for my children because they want to be negligent. This bank needs to be held accountable for their unlawful practices. How can they hold a official payroll check with zero verification of being legit for 2 weeks without making any of it available to the payee?? They stated if I would have came in and cashed the check and turned around and deposited the cash this wouldnt have happened. The Branch manager who refuses to help and is extremely rude is XXXX XXXX ( maybe XXXX ) not sure of the spelling. Something needs to be done in this matter. Thank you XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 388XX
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Friday XX/XX/2023. I bought a door frame from XXXX 's for {$390.00}, turned out it was the wrong door. So took it back and was refunded {$390.00} from XXXX 's. I then bought the right door for {$390.00}. I checked my bank account and it showed {$390.00} for the first door bought then it showed {$390.00} returned from XXXX 's because of the door I returned and the account showed where I bought the second correct door for {$390.00}. So the money was taken out and then returned and was taken out again. The next day I looked at my account and there were 2 charges of {$390.00} for a total of {$780.00}, it did not show where XXXX 's had returned the {$390.00} nowhere on my account, not even in the pending section. Regions was just sued and lost for manipulation of customer accounts collecting overdraft fees. Of whitch they have do to me over the last 35 years numerous times. They are still doing the same thing. I have never seen not XXXX XXXX from all the lawsuits. I want XXXX XXXX dollars in compensation from them for bank fruad.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 356XX
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX City : XXXX XXXX : Indiana Zip Code : XXXX Date : XXXX Credit Bureau Names : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. Dear Sir/Madam, I am writing to inform you that my identity has been stolen. I recently discovered that someone has been using my personal information to open credit accounts and make unauthorized purchases in my name. I have attached a copy of the police report I filed regarding this matter. I am requesting that you understand that this is a very serious timing and I need major help getting my credit file back into great standing with multiple security options to protect my credit reports and provide me with a copy of my credit report. I would also like to review the credit reports from all three credit bureaus including banks and consumer agencies to ensure that there are no fraudulent accounts or activities on my credit report and all will be removed or are in the process of being removed. Please provide me with instructions on how to dispute any fraudulent accounts or activities on my credit report. I understand that it may take some time to resolve this issue, but I request that you keep me informed of any progress made in this matter. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 464XX
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A