Date Received: 2023-05-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Numerous fraudulent transactions on our checking account. Regions Bank does not provide fraud protection, and wants us to assume liability. Total of over {$43000.00} was debited from our account fraudulently. The Descriptions all have XXXX XXXX listed as the phone payment. Transactions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 391XX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have opted out of the overdraft protection with regions Bank for several years and they continue to charge me multiple fees even though I've been opted out. They have also moved charges dates to cause my account to overdraft. I have called on multiple occasions to resolve this and only been refunded two or three times but this has occurred 20+ times over the course of years and has taken thousands of dollars from me. In some cases, causing me to miss payments for bills which has caused stress on my family and on a few occasions, affected my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 390XX
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: XXXX Charge excessive overdraft fees by Regions Bank When I call and talk to the bank representative and told them my situation. I was given a one-time a year courtesy overdraft fee. XXXX I was charged over to XXXX and overdraft fees. Averaging $ XXXX $ XXXXper month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 365XX
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Company denied my application I paid off my debts on a account I dont remember for only XXXX and I received a letter saying Im not eligible to have a account it didnt give me the reason why and I dont know if they are checking my credit or not and I need to know why I cant have a account with this bank and someone give me a reason
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75134
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was a victim of identity theft and fraud. My account was hacked and someone sent their self over {$3500.00} to a XXXX. I have filed a police report and also have tried to get the money back. My money was stolen from Regions Bank and through cashapp and I am elderly and do not know these people at all who have robbed me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70560
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Regions/Enerbank USA- is showing a late payment on my credit history. I Initially setup an ACH draft to pay this installment and have made over 20 successful payments. I recently was made aware that this account was reporting late to the credit bureaus. I never authorize this ach to stop, never contacted my financial institution to stop. When I contacted Regions/Enerbank USA I was informed that I selected to have the payments stop when I signed up which I did not do. The company says there is nothing that they could do. This not acceptable for me as I am business owner, and my credit history is extremely important. Once I learned my payments had stopped, I paid the account in full. I need this late payment removed from my credit history. But the company is unwilling to work with me and saying it is my mistake, but I do not agree and believe it was a system error on their end. The company said they tried to contact me but their info shows up as spam via mail and phone. As when I saw the attempt to reach out once look into my spam folder to validate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28215
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: On XX/XX/XXXX I closed a checking account at Regions Bank. I was given a cashiers check for the total balance. Two days later on XX/XX/XXXX the account was automatically reopened because of an interest payment of XXXX XXXX XXXX. I was not notified that the account had been reopened. On XX/XX/XXXX an {$18.00} low balance fee was incurred. I tried to resolve this issue by speaking with two different customer service representatives, but was told I would need to return to the bank in person to resolve this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78633
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 I received an email from XXXX stating a transaction in the amount of {$820.00} was approved. I immediately called the number on the email. I was told there were several loans being applied for as well. I was instructed to go to an ATM do several transactions in order to track the person doing this. The total amount of transactions is {$5000.00}. ( I have been under extreme stress which XXXX said it can cause you to do things out of character ). I was told it would be back in my account in 30 minutes. Driving home it all hit me that I was scammed. I immediately called the bank to stop it. They said I had to wait till it was no longer pending. Next day I filled a fraud issue. 10 days later they denied giving me the money back. I am a senior citizen on a fixed income. I've been with this bank a very long time and I feel they failed to protect me and all the money I had to my name. I was also denied an appeal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32771
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-14
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I had an account with Regions/Enerbank ( account # XXXX ) and never once made a late payment. In XXXX, XXXX, they were sent a check for more than the total balance. The check was cashed by them on XX/XX/2023, but was not applied to my account until XX/XX/XXXX. They claim they could not find the payment. The XX/XX/2023 statement shows that they claim the total balance was {$16000.00}. They cashed a check for {$16000.00} the previous day and then proceeded to add a {$30.00} late fee! The check they cashed was for {$190.00} more that the total amount owed ( before the bogus late fee ). My bank confirms that Regions/Enerbank received the check and the money was placed into the their account on XX/XX/2023. In the time between XX/XX/2023 and XX/XX/XXXX, they charged me {$210.00} in interest even though the loan was paid in full and then some. The check that was received and cashed by them was for {$16000.00}, but they applied only {$16000.00} to the balance claiming the rest of the funds were for " interest and late fees. '' To add insult to injury, they are billing me for yet another {$47.00}. They actually owe me money. It is impossible to get information from their website relating to prior statements, total amount owed, etc. Once the date has passed, the information is taken down. I called them several times ( waiting on hold for more than 30 minutes each time ), emailed them a copy of the cashed check information and yet, they still charged me a late fee and did not apply the funds until XX/XX/XXXX. They charged a late fee the day after the amount was deposited into their account. This business is a complete scam and needs to be investigated by banking officials.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48439
Submitted Via: Web
Date Sent: 2023-05-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: After reviewing my consumer report, I discovered erroneous account information indicating late payment that is not associated with me. I did not authorize the reporting of this information on my credit record, and it is negatively impacting my life.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A