Date Received: 2023-03-13
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX XXXX XXXX took over $ XXXX from our checking account unauthorized. We went to bank with all requested documentation and they refuse to refund our stolen money. We paid for 36 months of warranty a year ago never authorized any other charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I bank with regions bank in XXXX XXXX XXXX on XXXX XXXX and I keep noticing that my balances on my account change after through pending. They are charging me overdraft fees and I have a message that clearly says what my starting balance for that day is and my online banking shows different. I have told a lady that works at my bank that I've seen it happen bc I am constantly checking my bank account and she looks at me like im crazy and says I need to come in and show her when it is happening. I shouldn't have to get into my car when I get off work and go show her anything while it is happening and besides that its closed when it happens.
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: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: This email has been forwarded to you after we received a decline letter from Regions. We asked our local branch to send this email up the chain within Regions. Its been two weeks or longer and I can not pay my part of our Bills. Notice the Duration of 1st call and the date in attachment 1 Attachment 2 - Screenshot of the dash on my car and the number that called me. Attachment 3- What showed up on my phone and why I answered it and thought it was legit Attachment 4- Notice date and the two charges that I absolutely did not make! Attachment 5- Notice at the top it's the same time during this call the Regions Rep prompted me to open this attachment. Telling me to press yes, I told them three times I did not feel comfortable doing this. She assured me this was the only way to get the pending funds back into my account. So I did. Then told her it was against my better judgment though. I'm a hard-working woman holding down two jobs to make ends meet. We expect our Bank to have good enough security to keep hackers from getting so much of my banking information that they covered in the first 2 minutes to convince me it was Regions. I mean recent charges, everything. In the past year my husband has had to change his debit card twice and myself three times because our cards became compromised. I need my funds put back in my checking account. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30189
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: BP Master Card I am being charged excessive HIDDEN fees. I was charged {$2100.00} in late fees in the last two months owing a small amount. I logged in shocked to find my available credit was only {$250.00} after paying over {$2000.00} my line is {$4500.00}. I look online cant figure out whats wrong talked to 4 representatives just to find out there was a late fee of {$800.00} and {$1100.00} that I couldnt even see. The fees are excessive they will not waive or assist. With all the money paid to the card was literally taken all in late fees. How come these transactions are not posted on our dashboard they are hidden?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11434
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: on XX/XX/XXXX, I physically presented my passport which is already on file with Regions since XXXX. Upon to reporting to the bank, i requested to open a savings account to be attache to my existing checking account. XXXX XXXX, regions banker was provided my US Passport for identification which was immediately refused as she stated she knows me as a long-time customer so no need to take my passport. At that moment, XXXX requested my social security number and have be verified my ATM Pin Number and begin to process to open the savings account which was finalized. Accordingly, {$1700.00} was transferred from the checking to new savings account. To date, XXXX XXXX failed to document the details on account which causes several overdraft fees on my checking account due to inability to transfer my funds from the savings account to the checking. I have had several issues with regions bank due to the negligence and poor customer service. I was told I i cant use my account on XX/XX/XXXX and I will continue to assess fees. The other Agent K of Regions told me that a US Passport is not valid to open savings accounts and that my UNEXPIRED Passport is on file is not accepted for avoid fraud or risk and that it does not matter if am a customer since XXXX with the same passport. I am so so stressed which triggers my XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am must now alleged that am denied equal opportunity and being treated prejudiced. I will forward my complaint also to the comptroller 's office. this history with XXXX XXXX to be doing a poor job is becoming chronic as this is the 2nd time she has failed to do her job effectively and only caused me stress and XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I called and went to the branch to inquire why they deny the promised bonus, but they keep denying giving what they promised originally.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33445
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I asked XXXXXXXX XXXX XXXX to do a balance transfer to Regions Bank in XXXX, Alabama. Transfer amount of {$18000.00}. Peoples bank use XXXX XXXX XXXX out of XXXX North Dakota for their credit cards. XXXX sent the transfer to Regions Bank, but Regions claims they never go the transfer. There was a typo in the credit card number but neither of these banks are willing to trace the money. I have talked to both of these banks on numerous occasions. I spoke with XXXX and XXXX at XXXX XXXX XXXX. And they claim it's Regions problem to trace the transfer. No one at Regions Bank would give me their names, but they say it's XXXX problem to trace what happened to the transfer.. Both banks blaming the other. XXXX gave me a trace number, but when I mentioned this to the people at Regions they didn't want to hear it or take action on it. As far as that goes neither does XXXX want to do a trace. But now both Banks want me to pay them {$1800.00}. That's not going to happen. I refuse to pay this bill twice. I do know that someone typoed a number in the credit card transfer. But that money had to go somewhere. And someone needs to find it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62959
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: On XX/XX/2023 I went to make a purchase and noticed my balance wasn't correct. I called customer service number and was notified I had a pending direct deposit of {$1200.00} scheduled to be deposited into an account/card I don't have and one I did not authorize. I spoke to a live representative and explained what was going on and I was informed direct deposit was scheduled to be deposited on an XXXX XXXX card/account. I expressed I didn't authorize that and I wasn't the owner of that card/account. I was told since it was a pending direct deposit I would have to wait until deposit went through! But she would make a note on my account and I would be receiving my money back. Days go by nothing. I call for updates and told they see all this marked down but no update. On XX/XX/2023 I spoke to account representative and was told I needed to fill out dispute forms and if I had received them. I confirmed I had not so she emailed them to me. I emailed completed forms to dispute department on XX/XX/2023. I was then told after they received completed forms it could take up to 21 days to investigate and resolve dispute. Here it is XX/XX/2023 and I haven't heard anything. I called on XX/XX/2023 which is XXXX after " investigation '' was finally started according to customer service. I asked for status update and was told there were no updates. I asked for the number to the dispute department and was told they were not taking calls. I called back on XX/XX/2023 and told still no update but note was put in for someone from dispute department to reach out to me with an update. I emailed the dispute department on XX/XX/2023 and have yet to hear back from anyone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 411XX
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This has been an ongoing issue with Regions Bank and Regions Mortgage. On several occasions I've been to the local branch in XXXX XXXX and tried to resolve the payment issue. I'm given the option to use Regions bank website or their app to make my monthly mortgage payments. Ive attempted this several times where the website doesn't register my scheduled payment, wherein my payment becomes late. On XXXX separate occasions in the last XXXX months I've submitted auto draft paperwork where they are able to access my account to be paid. My payments are still not being paid. Ive had the Regions branch XXXX access my account to resolve the issue and reimburse the late fees, and to date, only XXXX have been reimbursed. XX/XX/2023, the auto draft did not work so I manually submitted payment again online, and Regions mortgage was unable to process the payment because they attempted withdrawal on an account that I had closed XXXX years ago. Regions Mortgage states that the closed account is the only account directly associated with my mortgage. I attempted contact today with Regions mortgage, part of the issue might have been resolved, before speaking with a supervisor named XXXX XXXX refused to give any further assistance and stated that this is an issue between my bank and myself. Ive been to the bank monthly to resolve this issue and no assistance is forthcoming and fees and payments are now past due.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46953
Submitted Via: Web
Date Sent: 2023-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-04
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I am writing to report a bait-and-switch complaint against EnerBank USA. Last fall, I had my pitched roof replaced by XXXX, and they referred me to EnerBank USA for a no-payment, no-interest loan to underwrite the home improvement project. I used a no-payment, no-interest loan to pay for window replacements by XXXX so I am very familiar with how these loans work. There is a period ( in this case one year ) during which payments are not required and the loan does not accrue interest. As long as the balance is paid in full before the end of the promotional period, you pay no interest. My XXXX payment, XXXX interest period with EnerBank USA expires XXXX XXXX, XXXX. Even though payments were not required, I made two payments of {$940.00}. My XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX statements from EnerBank USA shows these payments and labels them overpayment credit adjustment. These statements correctly show my regular monthly payment as XXXX because I am still in the XXXX payment, XXXX interest period of this home improvement loan. On XXXX XXXX, XXXX, I received yet another statement and it showed a {$940.00} postpayment reversal on XXXX XXXX ; an advance of {$10000.00} on XXXX XXXX, a {$940.00} post payment on XXXX XXXX and a second a {$940.00} post payment on XXXX XXXX. For the first time, the statement required a monthly payment of {$200.00}. I called EnerBank USA to complain, and they said these were the terms I signed in XX/XX/XXXX when the loan began. These are not the terms I signed. I agreed to a XXXX payment, XXXX interest period with EnerBank USA for a loan I will pay off in full before this promotional period expires on XXXX XXXX, XXXX. My second complaint relates to how EnerBank is now crediting my payments. My statement dated XXXX XXXX, XXXX shows my {$200.00} payment, but {$91.00} of it is applied toward interest. My XXXX payment, XXXX interest period with EnerBank USA XXXX XXXX XXXX, XXXX. This is significant because after that date, this loan is subject to 19.99 % interest. My statement dated XXXX XXXX, XXXX shows and overpayment credit adjustment of {$2800.00} ; that entire amount was deducted from my principal balance. My XXXX XXXX XXXX monthly payment, however, is marked a post payment and {$140.00} of the {$210.00} payment was applied toward interest. My XXXX payment, XXXX interest period with EnerBank USA expires XXXX XXXX, XXXX. My most recent statement, dated XXXX XXXX, XXXX shows my XXXX XXXX, XXXX monthly payment as a post payment and {$110.00} of the {$210.00} payment was applied toward interest. My XXXX payment, XXXX interest period with EnerBank USA XXXX XXXX XXXX, XXXX. I believe EnerBank switched me to a different loan product without my knowledge or consent. I am fortunate to have accrued roughly XXXX XXXX in equity in my home. There is ZERO chance I would knowingly sign up for a predatory home improvement loan at 20 % interest when I could have just as easily gotten a home equity loan for a single digit interest rate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2023-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A