Date Received: 2023-03-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: XX/XX/XXXX bank account was compromised and XXXX transaction made. Dispute made in person at my Regions Bank branch. Transaction posted XX/XX/XXXX. Letter received dated XX/XX/XXXX stating transaction did not post, but it DID post. Had to call, ( XX/XX/XXXX ) resubmit again, was told to wait up to 10 business days plus mail time. Called again XX/XX/XXXX, was told information was incorrect. Resubmitted AGAIN, no response. Called today XX/XX/XXXX, was told XXXX had closed dispute and had to deal with Regions to start over. Regions CSR could not assist and was transferred to XXXX side again where I was placed on hold after a short conversation and disconnected. The elapsed time was over 35 minutes and the phone prompts would not let me proceed because offices were now closed. I have now spoken to 7 people regarding this and have over 2 hours on the phone either holding or speaking to someone. The level of incompetence is staggering. Please advise.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34208
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
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: I opened a XXXX credit account with XXXX XXXX XXXX of XXXX. I was told for the first 90 days it was a trial run, there would be no late fees or credit reporting until the trail was finished of offer the best service by XXXX XXXX my personal AccXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX - XXXX XXXX XXXX : ( XXXX ) XXXX. After the first 15 days I received a late charge {$75.00} after paying my bill on the day it was due. I call my rep and he ensured me it would be credited. After one week it was not credited, so I called customer service and was told that I would need to pay my bills 2 days early for it not to be late, and i must pay the late fee or i will be charged another late fee. I was then told it would be credited to my account because it was done in error but the system will not zero the account until payment is made. First red flag. So i paid the incorrect charge in XXXX. In XXXX I received a bill for XXXX, even though I had not use the card for weeks. I refused to pay and was told I would be charged a late fee if payment was not made. I refused and contacted XXXX and a supervisor on three-way both of them insure me the error would be correct, because it was put on my account in error. In XXXX of XXXX and XXXX of XXXX, XXXX reported late payments and negative history to XXXX XXXX and XXXX XXXX XXXX XXXX, all while correcting these inaccurate statement. After talking to several supervisors and my account specialist I was told to dispute the inaccuracy and it would be noted for the credit dept. and corrected. After two disputes in XXXX and XXXX XXXX XXXX has not correct these inaccurate reports. I need the help of XXXX get the XXXX XXXX XXXX XXXX to read the notes on my account and correct these inaccurate reports. It has already been documented by my account manager XXXX XXXX and a account supervisor that these reports were inaccurate. My account has since been assigned to XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Made an ATM cash deposit of {$2700.00} with my debit card from Regions ... XXXXthe ATM was then making the transition and suddenly became dysfunctional... XXXXthen returned the card without any confirmation. I became aware that this was not a normal function of any ATM that I have experienced ... ..so I drove and parked, then proceeded into the Bank to address the current issues ... The person that responded was XXXX XXXX XXXX XXXX the ATM was under a XXXX party service called XXXX ... and could only file a Confirmation of Disputed Transaction. I immediately ask why there was not a posted sign for your customers to warning of cash deposits ... as I would have never used this process ... and immediately brought the cash to the bank teller instead. She had only the company policys to reply. As a senior citizen this is a XXXX draw back of my rights, and the funds not being available as my needs are very important. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 373XX
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: A account that was closed in around 2016 had a negative balance due to fraudulent charges. Regions bank puts the customer on hold on the phone and the issue never gets resolved due to regions canceling the call. Regions bank refused to file a fraudulent complaint leaving the customer in a helpless position.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32824
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: 1.I have never had an account with this company REGIONS BANK , REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are REGIONS BANK the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38018
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My card has been compromised several times the last time I went to the regions branch to receive a new card, the card that was automatically sent out sat in the same envelope it came in, XXXX XX/XX/24 received notification that someone tried a transaction on this card that was never activated on my account, several hours later my active card was compromised, it would seem the bank is compromised from inside, I would like them to perform a security audit as this is a major breach for a failing bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33441
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-25
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I receive a deposit from XXXX by mistake from XXXX XXXX dollars ... On XX/XX/2023 So the person contac me and explain me then she was a mistake and ask for that money I checked the transaction and ok the money was on my account so i give her my address and I pay to her the XXXX hundreds dollar.but on XXXX/my bank take from my account XXXX XXXX dollars they set they send that money to XXXX XXXX from XXXX XXXX XXXX I contac to XXXX XXXX and we're going together to ask for the money to XXXX XXXXXXXX XXXX but XXXX XXXX sey they don't have that money so we wan to know were it's the money thanks for your help bos telephone numbers my and her are ready to share any time
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33144
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I got a loan on a home I was purchasing. They gave me a PMI. I was trying to purchase a home in a way to avoid a pmi. Then they gave me conflicting information. Now I have over XXXX in pmi charges I can't get refunded. Then my bank said I need to contact XXXX XXXX because they couldn't do anything with out their permission. When I called XXXX they said I could get a refund because there is not an account to give it from.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47906
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I received an unexpected charge on my Regions Bank debit card for {$450.00} from a store I had not stepped foot in in three weeks. This odd charge caused my account to go negative. Regions Bank then charged me an Overdraft Item Fee of {$72.00}. This is not fair -- Regions and the store made the mistake in the first place!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29745
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: I was the victim on an online job recruitment scam. I was sent a check for {$5200.00} to purchase materials with. I deposited the check on XX/XX/XXXX. I sent money through XXXX and XXXX to who I thought were XXXX XXXX XXXX XXXX. On XX/XX/XXXX, they returned the check and I am now over XXXX XXXX dollars negative in my bank account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63139
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A