Date Received: 2023-04-04
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have reached out to Regions many times since XX/XX/XXXX to request that my debit account be set up to decline any and all purchases or charges that would overdraft my account. The most recent of times was XX/XX/XXXX. This is because, as a student paying all of my own bills working as a server, I would like to ensure that funds are not unavailable and to know where my finances stand at the end of each day without having to wake up and see I've been charged an overdraft fee for some obscure charge, or something charged days ago. I reached out to them because I deposited some money on XX/XX/XXXX and was subsequently charged two {$36.00} overdraft fees. I reached out to their customer support to understand these charges and was not given a clear explanation on why these were charged when I did indeed have the funds in my account. But due to their gross negligence to my request that my debit account not approve any transactions that I do not have the funds for, I have been charged hundreds of dollars in the last week alone in overdraft fees. I am fed up with their abusive policies and refusal to set up my account to decline purchases. I do not want overdraft protection, I want them to decline completely. Seeing as it is my money, this should not be as hard as a request as it has been. I have been treated unfairly when I have asked for explicit assistance in managing my money. If they are the company I use to manage my money, how I choose for it to leave my account is my right. These last few months trying to have it set up in a way that I won't be paying extra has cost me hundreds if not thousands of dollars. I understand their policy, and have not officially disputed any fees they have charged, but have only requested that they change how my account approves charges, and each time I am met with the refusal to do so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37920
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XX/XX/23 Account was hacked twice for {$1000.00} twice by the same person. Bank determined that first {$1000.00} taken was fraud, but said we authorized 2nd transaction. Bank alerted us to fraud when a third transaction, by same person, was attempted. We have provided multiple pieces of evidence to show we did not make nor authorize these transactions and it makes no sense to us how that bank could say one transaction by the same person was fraud but the other was not. They have refunded the first {$1000.00} but refused to refund the send transaction of {$1000.00}. Evidence provided are 1 ) Fraud alert from bank with same transaction name, 2 ) phone data usage that shows our phone were not in use at the time of the transaction, 3 ) fraud alert text from XXXX XXXX on third attempt for {$500.00} from same person. Will submit all evidence upon request. Also, person in question has recently been arrested on other unrelated fraud charges, according to the person we were working with at our bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32507
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On or around XX/XX/ I opened and account with Regions Bank for the company XXXX XXXX XXXX XXXX XXXX ( I, XXXX XXXX XXXX, am the president of XXXX XXXX. On that date I deposited only {$1000.00} dollars. On the date indicated the Bank sent me a Debit Card. I do not remember if I received that Debit Card or not. I never remember or wrote down the PIN. On XX/XX/ the card was activated. I did not activate the card. Regions does not have security steps to activate a debit card. Somebody may have my name and my SS and call and activate the card. The problem that Regions lacks one important step in the activation process. They do NOT sent a request to enter a PIN to activate card ( others banks do this like XXXX XXXX, etc. ) Then Regions allowed to change the PIN or use the one that I have created at the time of opening the checking account. Please remember that I did not wrote or even remember the PIN I created when I first open the Checking Account. Notice that the first fraud activity was XX/XX/ and the Bank never took action to cancel a card that was sent in XXXX. same year. How come they keep as valid a card for more than 5 months?. Next, once the charges started on XXXX Regions does not have any security like : 1. Informing me that there was too much activity on a card that has never been used before.2. Regions even allow large purchases to go in without stopping them, for example, XXXX XXXX # XXXX, 3 purchase for {$500.00}, {$1000.00}, {$2500.00} same day same time on XX/XX/. Region fail in stopping these transactions ( see statement ). I believe that the bank failed in his security too many times and therefore they are liable for the charges incurred into my checking account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77091
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: about 4 months ago the Florida Department of Revenue froze XXXX dollars ( estimated ). Finally the department decided I didn't owe that and released the funds back to me. A couple days later Regions bank charged me a XXXX dollar fee for the transaction. The bank id the only one who had access to these funds during that time > the transaction never went through since it was a mistake. and yet the bank still charged a fee that almost XXXX percent of the original amount. This is theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I went to Regions ATM and used my card and it went through the entire process and no money came out but the money has been removed from my card.. It was all the money I had left and Regions told me This happens All the Tim They told me I was taking a risk using that ATM and its nothing they can do. The clerk told me I maybe I should get a bank account because it was a government issued card. She was so unbothered by me like I was the ground she walked on and it was not a concern of hers. She even said like if I stick my XXXX XXXX card in there and no money comes out I called my bank and they will give me money back. She said I never knew they gave yall cards with money on it anyway like why? I told her Im sorry Im a XXXX mom working my way to provide for my kids and I needed a extra set of help that Im grateful for but Im working hard so my kids want have to. Address XXXX XXXX XXXX XXXX, TN XXXX United States
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38141
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: There was a 45 day late for my credit card, when Ive never been 30 days late on anything on my credit file, Im trying to buy a house and the 45 day late caused my credit to drop drastically. I really need to get this rectified and removed, especially when Ive never received anything of my account being past due
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, I deposited a check from my home owners insurance and was told by the bank teller that it would be a 7 day hold. After the 2nd hold day, I received an email and letter stating that the check needed another endorsement from my mortgage company. I went to the bank spoke with the teller, she refused to give me the check so I called the insurance company to cancel the check. The insurance company stated that they could not cancel because the check had already been cashed. The bank then said they would place a 14 day hold, then a 30 day hold. On XX/XX/XXXX, the teller from the bank informed me that the funds were returned to the insurance company. After calling the insurance company to check on the funds several times, we recognized that the funds were never returned. On XX/XX/XXXX, the insurance company submitted an affidavit to recover the funds from the bank. On XX/XX/XXXX, the bank placed the funds in my account and I began to use the funds for my home repairs. Then, on XX/XX/XXXX they removed the funds. I called to ask why, and they don't give me an answer. One customer service rep stated that the funds could not be verified.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39212
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Problem when making payments
Subissue:
Consumer Complaint: We had solar panels installed in XXXX and they used EnerBank USA to finance the installation. The loan paperwork states EnerBank will re-amortize the loan every 12 months following substantial completion of the solar installation which was in XXXX of XXXX. No actual date is included in the loan paperwork. We were promised we would be able to prepay 26 % of the loan prior to the first re-amortization resulting in a XXXX monthly payment. However, Enerbank did not notify us of the re-amoritization date so we did not get the opportunity to give them our down payment. Now they are charging us additional interest and a {$170.00} payment with no chance to put down our down payment and lower the payment until next XXXX. This is a deliberate, deceptive and unethical business practice. We have contacted them 3 times and placed complaints. No one even calls us back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55025
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Problem when making payments
Subissue:
Consumer Complaint: Enerbank informed customers that it was transitioning away from an old website/pay portal to a new website/payment portal in XX/XX/2023. As a result, the website indicated that if the customer already had a recurring payment established, a new one needed to be created. I did this at the beginning of XX/XX/2023, for a XX/XX/2023 payment. However, on XX/XX/2023, my prior recurring payment AND new recurring payment were both deducated from my savings account. I called Enerbank on XX/XX/2023 to report the issue AND the representative said I had to email the company 's account processing contact! I then called on XX/XX/2023 to get an update AND they could not provide one and said they will follow their process to resolve without providing any timeframe. This is completely unacceptable as these are 2 large payments taken out on the same day ... and the company does not feel any urgency to repay me for their error and continue to inconvenience me to try to resolve. If I was late on my payment, I would incur many fees... but its acceptable for the bank to take more money than they should have! Unacceptable... please help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44067
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Asked to close account multiple times, requested to put a stop on everything and they will failed to do this. They keep telling me to call the fraud department and that number hangs up on you. The next issue is they keep reopening an account once you close it. If there are ACH or deposits they should fail and I as a consumer should contact the companies. REGIONS bank is the worst bank ever. DO NOT USE THIS BANK ....
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A