Date Received: 2024-01-12
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2023 I deposited an insurance check into my checking account with Regions. I decided on XX/XX/2023 to transfer {$20000.00} from my checking account, which had a bank card attached to it, to my Personal account, as it appeared on my Regions banking app. I had no reason to believe the Personal account on my app wasn't my account because I had never given anyone authority to be linked to my Regions account. On XX/XX/2023 I wanted to transfer {$1000.00} from Personal to my checking account and I couldn't find the money on the bank app. I called the phone number on my check card and they directed me to go to the closest branch immediately. I did so and reported a fraudulent transaction. Regions employee XXXX XXXX looked up the information on the account I transferred the money to, that was linked to my account, and asked me if I knew XXXX ( with several last names ). I said no and I was told a fraud investigation would be started. I filed a police report ( # XXXX ) on XX/XX/XXXX with the XXXX Police Department ( TX ) and advised the Regions branch of the police report number. I was told the woman to whom the account belonged to stated that I had ordered XXXX XXXX in balloons from her, even though she is in the XXXX, FL area and I'm in the XXXX, TX area. The bank denied my fraud and did not remove her access to my account. My Regions branch manager, XXXX XXXX XXXX , told me that she was not having any luck getting a hold of the XXXX FL branch manager to discuss this fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75025
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Regions bank has charged me {$270.00} in overdraft fees thru state the see when the account is out of the negative before the cut off time but I was still was charged
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: This banking practice is unfair to it's banking consumer
Company Response:
State: TN
Zip: 38018
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I use to bank with Regions in the years of about XXXX. I emailed corporate as well as spoke with customer service representatives about my account constantly going into the negative and inquiring overdraft fees. I always calculated my balance whenever I would spent or withdraw money. It became apparent to me that the bank was committing some type or fraud or had to be experiencing some sort of glitch in their system. After reaching no resolution I decided to walk away and bank with someone else.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38128
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: XXXX XXXX my account was negative XXXX on XXXX XXXX my account was again added negative XXXX. Friday and Monday respectively. XXXX XXXX a banker told me to pay the balance of these two transactions and my account will be updated by XXXX on XXXXXXXX XXXX XXXX. And also on Monday XX/XX/ I opted out of the overdraft protection. So then they still charged me the XXXX overdraft fee the same day and they again charged me another overdraft fee for the XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37040
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Regions Bank has brutally charged me overdraft fees and there is no retraction in place. All except to hide my bank statements and trying to remove any information related to my previous accounts when I did nothing wrong. Regions also sent to collections.i I am victim aggressive identity theft. At one time Regions had the incorrect address and I requested the address to be changed but somehow it was immediately changed. Having an apartment number as if to deceive and commit fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I received a notice that owed Regions Bank {$50.00} annual fee and because I did not pay it I was charged a late fee of {$30.00} on my line of credit and it was reported to the credit bureau. I called Regions Bank customer service on XX/XX/XXXX to pay the {$50.00} annual fee, close the account and I asked them to waive the {$30.00} late fee. The person I spoke with said he closed my account and put in a request to waive the late fee. To my surprise, I opened a statement from Regions on XXXXXXXX XXXX XXXX to find out my account was still open and they charged me an additional {$30.00} late fee and reported me to the credit bureau again. I called customer service again and asked to speak with a XXXX. The XXXX said she saw where I made the {$50.00} payment in XXXX and that my account was closed but could not tell me why I was still being charged a {$30.00} late fee and why it was still showing. She told me to call back this week to make sure it was removed. My complaint is that they are ruining my credit with these unjustified late fees and told me I will have to dispute it with the credit bureaus. The late fees were not warranted and I should not have been reported to the credit bureaus. I have not used this account in over XXXX XXXX and should not have been charged.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77578
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: My mortgage was transferred to a company called Regions Mortgage. The First payment to Regions was to be made in XXXX. I setup auto-pay through my bank ( XXXX XXXX XXXX who i have used for several decades ). In late XXXX i received a notice from Regions Mortgage saying I had made no payments what-so-ever. XXXX XXXX gave me the transaction ID 's for all the payments. They show the payments were deducted from my account. I contacted Regions Mortgage. They had no record of any payment. They took all payments during that call using my debit card. My XXXX XXXX account has shown 2x the number of payments I was supposed to make. Regions Mortgage credits only the number of payments they took during that call. I have sent them all the transactions via email. That was two weeks ago. They have not responded to my emails. They wont call. The last call was disconnected after being on hold for a very long time. I have dont nothing wrong, and yet my credit report reflects negative. Also, I was charged a late fee. None of this was my fault. I have over-paid my mortgage by a considerable amount and I very much not happy with Regions Mortgage ( a company I did not chose to do business with! ). I really need help fixing this. I don't have enough money to make 2x my normal mortgage payments right now. Times are tough, but when things get better I most certainly will continue making extra payments as I always have. Attached are screenshots from XXXXXXXX XXXX showing payments made to XXXX ( previous mortgager ) and Regions ( new mortgager ). Also, I've included a recent report by Regions. Thanks for any help you can provide XXXX XXXX XXXX XXXX, TN
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 376XX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Erroneous late fees were put in the account an the. After calling they agreed to.out the fee back into.the account ad a credit an then they take the fee an disperse it.over 2 or 3 cycles adding it into the bill. If you add uuo the bill.youll.see that the amount added over the billing cycles is the same amount as the credited late fee. They figured nobody would check an add the number s up. This has happened. 3 times to my account an has caused me to have several.hundred dollars in fees for this account to. Be looked at. An the the fees they charge for late fees are not within legally allowed amounts. They change the due dates an don't count payments made to get these late fees to happen. Is wrong an shaddy business practices. The xard is issued by regions bank an is maintained by XXXX an is a bp Mastercard. The final.bill they sent is for nearly XXXX an if you do a proper reconciliation the bill.is under XXXX an XXXX for accounting fees the bill s is XXXX XXXXXXXX dollars. I'm going to pay the XXXX. That due but they are erroneously billing me XXXX XXXXXXXX as they did this shady billing over the span of XXXX plus years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65807
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: My windows were installed by XXXX XXXX XXXXXXXX. My loan was with Regions now Enerbank. The original loan was for windows in the amount of {$11000.00} on XX/XX/year>, I have made a totaled payments in the amount of {$1500.00}. My balance is {$11000.00} which does not make any sense, I was just informed today the interest was compiled daily. The more I pay the more interest they get?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A