Date Received: 2023-03-21
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: XXXX. XXXX 2023 my house burned. My insurance company XXXX XXXX XXXX sent me two checks for XXXX and XXXX. I deposited the checks into my banking account with Regions in XXXX, Tennessee on XX/XX/2023. Regions held the checks until they proved the check were good. The checks were deposited into my banking account XX/XX/2023. On XX/XX/2023 regions bank decided to take out my checks putting me a - {$19000.00} in the hole. Today is the fifth day of me being promised it will be fixed and it is not yet. I and XXXX XXXX XXXX agent XXXX XXXX has done everything ask.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37303
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: regions bank told me that they would right up the {$52000.00} as fraud months ago then they reported me to the credit bureau.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34119
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: 1. Opened account to get a sign-up bonus, sometime in XX/XX/22. 2. Working through steps to meet the sign-up bonus criteria. 3. Deposited a little cash into the account to establish a bank connection and make sure everything is working smoothly. {$50.00} on XX/XX/22 and {$50.00} on XX/XX/22 XXXX. Went to make the remaining deposit, {$900.00}, to meet the sign-up bonus criteria. 4. Account gets locked. 5. Called the number in the Region 's bank External Transfers portal. 6. Called the help lines. 7. Talked to the branch manager where my account was set up at because my account was set up over the phone with the help of one of Regions other representatives. 8. My {$900.00} doesn't get deposited into my Region 's Checking account. 9. I " miss '' the cut off date to meet the sign-up bonus requirements. 10. I call and try and dispute that it wasn't my fault that funds weren't deposited. Regions stopped the transfer, therefore I should still be eligible for the bonus. 11. Regions stiffs me on the sign-up bonus. 12. Try and get my external transfers unlocked to withdrawal my money. No one can unlock it until I see a banker in person. I have suggested having a notary verify my identity. XXXX call. Nothing seems to be good enough of a solution. I live 2 hrs. away from the nearest branch. 13. It has now been long enough that I should be able to close the account with out being charged a fee. 14. I called to try and see what the closing process would be. 15. I am informed that the account needs to be at {$0.00} to process a closing. I can't get the money from my account because external transfers is locked. I get the impression that I would have to be in-person to close the account even it it was at {$0.00} which I don't think should be the case. What I want : I think I am still do my {$400.00} sign-up bonus. I want to close the account with not penalties, and I want my money that is in the account. I want to end my checking relationship with Regions bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Fraud or scam
Subissue:
Consumer Complaint: Fraud summary : My name is XXXX XXXX, and I am the owner of XXXX XXXX, together with my father XXXX XXXX. XXXX XXXX has had a business checking and savings account with Regions Bank for several years now. On XX/XX/XXXX, a fraud was done on both accounts, and this how it happened : At approximately XXXX XXXX in the afternoon, my father receives a call on his cell phone ( XXXX ) from a number with a Regions Bank caller ID XXXX The person on the other end of the line states that he is Regions Bank employee calling to alert my father of a fraud at XXXX, in the amount of {$240.00} that the bank successfully stopped. Additionally, this person knew that my father had a fraud at a XXXX for {$700.00} a few months ago, thus he was calling not only to alert but also to provide a couple of mechanisms that would prevent future frauds. The first strategy to prevent fraud, as explained by the fraudster, was to send XXXX XXXX a new debit card in the mail. My father, not trusting the person on the phone, asked him to verify the address the card would be sent to, and the fraudster provided the correct home address. In addition to that, my father also asked the fraudster to verify his account balance, which he did right away and furthermore this person provided details of the three most recent transactions in the XXXX business checking account. The second strategy to prevent fraud, as per the fraudster, was to introduce a code in the Settings of my fathers cell phone. This would provide an additional mechanism for my father whenever there was a transaction done in his account, that would need verification and or approval. The fraudster proceeded to provide a code that my father introduced in the settings of his phone, but the code did not work. At this point, my father thought he was doing something incorrectly and called his wife so she could help. She tried following the instructions provided over the phone and none of the codes provided were accepted on my fathers cell phone. After 30 minutes on the phone, the fraudster asks my father for his social security number, which he refuses to give in his entirety, providing only the last four digits, as he does in his medical appointments and the phone call continues for another 10 or 15 more minutes. However, after being on the phone for so long with this person, my father tells the fraudster he needs to attend to an urgent matter and that he will call Regions Bank the next day to get this taken care of. The fraudster advises him not to call Regions Bank and not to answer any phone calls from a specific area code, that we later on found out was the Regions fraud line, because that would interrupt the process of the code being installed on his phone. At XXXXXXXX XXXX my father calls me to tell me what happened, and that is when I access the Regions Bank mobile app, to check the XXXX XXXX business checking account ( XXXX ). Upon accessing the account I see there is a pending credit in the amount of {$14000.00} coming from another account. ( I only have access to the business checking account thus I couldnt see where this transaction was coming from ) I called my father back and told him that most likely this is fraud, and he confirms there is a debit going out of the XXXX XXXX savings ( XXXX ) into the XXXX business checking ( XXXX ) Before ending the conversation I tell him that I will call the Regions Fraud line as soon as I get home. At XXXXXXXX XXXX I checked the XXXX XXXX checking account again, through the mobile app, and I see in addition to the pending credit for {$14000.00} a pending debit for {$40000.00}. It seems that the fraudsters first did an internal transfer for {$14000.00} from the savings account to the business checking account, and then a {$40000.00} wire transfer out of the business checking account. At this point I called the Regions Bank fraud hotline and reported the fraud. The agent on the phone tells me that he will close the accounts, but we must wait until the next day to see if the transactions are posted. I tell him that there should be a way to stop the transactions because they had not posted yet and most likely the end of day processing had not started, however the agent insists that this is not possible, and instructs us to go to the closest branch the following day, to find out if the transactions were posted. ( We think this was a negligent action on the part of the agent who could have stopped the transactions or at least transfer our call to another Regions Bank employee who could have helped ) XX/XX/XXXX My father and I go to the Regions Bank branch located at XXXX XXXX XXXX XXXX in XXXX FL. We speak to XXXX XXXX, and she proceeds to close the business checking and savings accounts of XXXX XXXX. ( We had understood the accounts had been closed the night prior when the fraud was reported through the Fraud hotline, however XXXX confirms that the accounts were still open ) XXXX tells us that the transaction done out of the XXXX savings account into the XXXX business checking account for an amount of {$14000.00} has been reverted by the system, and that soon we will have those funds back into the XXXX savings account. However, the {$40000.00} wire transfer out of the XXXX business checking account went through, despite us having contacted the Fraud line the day before. We proceed to open a fraud claim ( XXXX ) On the same day, XXXX XXXX goes to the Police Department, located at XXXX XXXX XXXX XXXX to report the fraud. XXXX XXXX takes the case and makes the report ( see attached ) XX/XX/XXXX My father and I go to the same Regions Bank branch as previously mentioned and speak to XXXX XXXX again. New savings and checking accounts are opened for XXXX XXXX and funds are transferred into the new accounts. XX/XX/XXXX Regions Bank denies our fraud claim with a letter stating that transactions were authorized using agreed upon security procedures. XX/XX/XXXX, We do not agree with the resolution of the fraud claim and contact Regions Bank to understand the reasons why our claim was denied. We are informed that Regions Bank never received our police report, thus we believe the fraud investigator did not decide in our favor because he didnt have all the necessary elements to make a correct decision. ( XXXX XXXX supposedly had attached the police report when we originally open the first claim, however the fraud investigator never saw it ) XXXX XXXX speaks to Client Services, reopens the fraud claim case and sends them via email ( XXXX ) all the details on the fraud including the police report. XX/XX/XXXX We received a second letter from Regions Bank denying our fraud claim again, with the same wording as the first one, stating that transactions were authorized using agreed upon security procedures. XX/XX/XXXX We received a new letter from the Regions Default Solutions team, attempting to collect an outstanding balance of {$14000.00} Our statement : We believe there has been negligence from Regions Bank in preventing this fraud as well as managing the fraud claim process, and these are our reasons : A fraudster was able to impersonate a Regions Bank employee and take advantage of an elderly person, using the following elements : Regions Bank Caller ID Knowing all the personal information of one of Regions Bank customers ( address, account balance, three most recent transaction details ) Knowing and successfully bypassing Regions Bank procedures to perform a wire transfer. Knowing the area code number of Regions Bank fraud department and instructing victim not to answer calls from said number. The fraudster successfully bypassed the Regions Bank wire transfer procedures because he was able to perform a wire transfer even though XXXX had never been enrolled to use the Wire Transfers functionality. This means the fraudster was able to enroll XXXX in wire transfer, create a new beneficiary, and perform a wire, all without triggering notifications or alerts to any of the XXXX account owners. The day the fraud took place, no action was taken by Regions Bank to stop the fraudulent wire transfer, even though their fraud agents were advised prior to the end of day processing of all transactions. The day after the fraud happened, no action was taken by Regions Bank to contact and alert the receiving bank to prevent funds from leaving the receiving account. The fraud investigator closed our fraud claim without having all the information we had originally provided. ( Branch personnel failed to provide the police report ) The fraud investigator provided twice, a template letter with the same exact wording denying our claim stating that transactions were done using agreed security procedures, when is evident the fraudster knew Regions Bank procedures and was able to take advantage of an XXXX person because of the weak security controls of Regions Bank. Our demands We, XXXX XXXX and XXXX XXXX demand from Regions Bank to return XXXX XXXX the {$40000.00} lost due to fraud on XX/XX/XXXX and to stop the collection efforts on the amount {$14000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33134
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On ( XX/XX/2023 ) XXXX XXXX, I went to Regions bank to withdraw {$5000.00} dollars from my checking account. Unfortunately, I was denied from completing my transaction because the bank teller and branch manager informed me that my transaction was still pending and that I could not withdraw my funds. The branch manager told the teller, if it were my cash draw I would not complete the transaction. The teller also mentioned to me that I had a similar transaction done the day before ( XX/XX/2023 ) and she needed approval. The ( Branch Manager ) proceeds to tell the teller that she would not complete the transaction because it is still pending and it could come back returned. I had to drive to another branch farther out to withdraw my funds while pending without any issues. The bank teller tried to give me back my withdraw slip and I exited the bank. I contacted the Branch Manager ( XXXX XXXX ) on XX/XX/2023 to file a complaint. She has not returned my phone call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: At the end of XX/XX/XXXX, I received a letter for a credit card promotion from Regions Bank. The promotion stated that if I spent a certain amount ( {$1000.00} or {$2000.00} ) in 3 months, I would receive a {$300.00} bonus. On XX/XX/XXXX, I called the phone number on the letter and read the promotion code to the representative. He confirmed the bonus and I signed up for the credit card. I tried to sign into online banking, but had multiple issues. I called for assistance, but the representatives could not figure out how to fix the error code. When they tried to send me to another department for help, I was disconnected. This same process happened several times with the same result. I was finally able to get ahold of someone who helped today and I was able to gain online access. Once I was online, I messaged the helpline to confirm the amount I needed to spend to be eligible for the bonus. They stated there was no bonus promotion showing, only an offer for a balance transfer. When I called again, the representative put me on hold 4 time for 5 minutes each time, only to tell me she was unable to gain access for such information. I have wasted a considerable amount of time for an answer that should be found on the original call, assuming the call was recorded or notes taken. I am a full-time nurse with a special needs child, so i do not have additional time to fight this. I feel I have been taken advantage of with a false promotion in order to get me to sign up for a credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46033
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: i have had regions checking and savings for 28 years my routing number has always been XXXX i used this as i have every year on my tax retun to obtain my refund this year my refund kicked back because of routing number when i called XXXX XXXX branch manager @ regions bank XXXX nmls XXXX was told my routing number was different he could not tell me when the change occured i contacted XXXX regions AHC department with XXXX and XXXX on XXXX and was told my number was different but could not tell me when it was changed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63128
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Account # ending in XXXX I have a negative account from a Regions personal loan that is being reported to credit agencies. One problem is I have spent hours on the phone with Regions trying to dispute this - and they could not even find this account. Problem 2 is that I have two personal lines of credit reporting - 1 which is fine, and this one, which shows missed payments, etc. that I have been trying to dispute directly with Regions with no success. Problem 3 is that this personal line of credit was tied directly to my bank account. Even if I accidentally 'missed ' a payment- the agreement was it would be automatically deducted from my personal account, so I should not have missed any payments just off this alone. Problem 4 is I have disputed this with the 3 credit bureaus, and Regions confirmed that the reporting is correct. The attached show what is being reported, and there are a lot of discrepancies. Under the FCPA, confirming inaccurate reporting should result in them removing these items under my protection by this law. XXXX shows the account was opening in XXXX XXXX- but the first reporting is on XXXX on XXXX with me being 30 days late, and ends with a line for XX/XX/XXXX ( during COVID as well ), with me being 120 days late. The report says I paid in full, so how are they reporting that as the last line? It states it was paid as agreed, in full, and closed. XXXX shows the account as opening in XXXX of XXXX, but nothing was reported until XX/XX/XXXX. It says 73 weeks of reporting, and paid as agreed and closed XXXX shows 7 years, and all the missing lines from the 2 reports above all show as paid with XXXX during that time. The account closed date doesn't match the others as well. Regions, to this day, sends me emails saying I am pre-approved for another personal line of credit. That doesn't make much sense if they say I defaulted before. I am asking Regions, due to incorrect reporting that has directly affected my credit score, to remove this account from all 3 Bureaus.
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: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XX/XX/XXXX, XXXX contacted Superfleet /Fleetcor/Comdata about not receiving an invoice Was told by representative there was a " GLITCH in our system '' Showed XXXX balance but paid {$750.00} anyway first week of XXXX. Paid monthly payment due until XXXX showed extreme Amounts due XXXX XXXX Contacted Company to request credit back for " high risk '' fees Each time I get a voice-mail. Nothings getting done. Finally emails were returned and someone tried to help but still not getting anywhere. Have all emails. Still made monthly payments minus these excessive fees ranging XXXXXXXX XXXX Over what we are use to paying for fuel costs. Was told XX/XX/2023 we would receive credits for over XXXXXXXX XXXX Never received credits. Now XXXX is sending our account to XXXXXXXX XXXX to collect. We have XXXX credit. Never late on anything but when this company asked me to pay the balance of XXXX and then they would credit the fees after full payment is made, it made us very weery of who they are. We have heard about this happening to fellow businesses we know but never to us. We are at risk of our credit being varnished. And that is all we have as a small business. We have tried several times to resolve and nobody ever returns calls. We have made all attempts to fix this. Was on the phone all day with them being told different things by different reps. Please note, we have paid all monthly invoices on time each month minus the excessive fees they were charging.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28306
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: They said they would order the part to fix my refrigerator. The took the broken part. I wrote a check for {$210.00}. There were a few messages that they would order the part. They never did and then I couldnt reach them. Their phone number doesnt work. I read where they have scammed other people the same way. They are foreigners and barely speak English. The person who came to my home had to use a translation app oh his phone
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34243
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A