Date Received: 2023-01-27
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Regions bank charged me almost XXXX dollars over last year in overdraft charges. When the money had been deposited into account. They numerous changed transactions around to there benefit to be able to charge me. It would be days they would take process deposits but processed transactions instantly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 359XX
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX my Comdata account was used fraudulently for {$140.00} at XXXX XXXX # XXXX. Upon detection ( late XXXX ) I filed the Comdata dispute form for the transaction, my Comdata card at the time ended in XXXX, notifying them of the fraud transaction. On XX/XX/XXXX Comdata emailed me and informed me that my claim had been approved and that funds would be credited back to my account. As of XX/XX/XXXX I have not received the credit of {$140.00} to my account. I emailed the Comdata service department on XX/XX/XXXX, XX/XX/XXXX, and multiple times throughout XX/XX/XXXX with no resolution. I have copies of my dispute form submitted in XXXX as well as all email correspondence should you need it..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
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 recently wrote to Regions Bank, via certified mail, requesting the deletion of the following account : Account Number : XXXX, and I would like for you to have a copy of this document as well. ( See attached ). I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. Regions Bank continues to falsely verify this account whenever I dispute this item with the Credit Reporting Agencies, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. Regions Bank, has stated to all parties. -the Credit Reporting Agencies , The Consumer Finance Protection Bureau , and myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate, inconsistent, and or incomplete due to the unavailable data ''. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. Regions Bank has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes which I believe that Regions Bank violated, -yet somehow, you still allowed them to report that the information was verified, which causes this item to wrongfully remain on my credit report. Now, it should be rightfully removed! At this point, I pose the question ; Is Regions Bank above the law? Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond whether or not the account is verified or not ; it has become a compliance issue ; which Regions Bank is seemingly willfully noncomplying. Furthermore, Regions Bank continues to cause harm to me. This matter has taken a significant toll on my health and livelihood, meaning that they have caused me both my physical and mental distress. I have mentioned this in the letter that I have written to them. Please see the attached document. I have enclosed the pdf version of my letter to Regions Bank, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, -which has been like this for a long time, yet, Regions Bank continues to falsely verify as accurate. This has to stop at once!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: In XX/XX/2021 we applied and were approved for a loan at enerbank on what was called a 12 month same as cash loan. Our idea was to pay monthly and when the prior to the 12 months, pay it off. This company never sent us statements either by mail or email so we just kept paying it monthly. We were ready to pay it off and I called to see what the payoff amount was and lo and behold, the 12 month same as cash expired. we did not get a letter advising us it was about to expire like MOST companies do. I talked to a representative and he told me the balance was {$6800.00} and " can you pay this today ''. I said i could but then he told me he would have a supervisor call. I never heard from a supervisor yet they said they called on XXXX XXXX. The did NOT call me and I show no record of them attempting to call. I then called back to see if the offer of paying the balance of {$6800.00} would be still offered and they said no. Please believe me when I say that I have never gotten a bill nor did we get a notification that the 12 month same as cash offer was to expire. I believe this is bad practice and this company is not acting in good faith. I would like to also mention, when calling them, you must wait at leaset 60 minutes to talk to someone. I think this comapny is a scam.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85224
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: A week before XXXX XXXX XXXX XXXX i went to the Regions Bank in XXXX XXXX XXXX, Fl. I proceeded to deposit money into the ATM and a security guard saw the whole thing happen. The ATM gives me an error and i go inside the branch to get help. They provide me with a phone number and case number to call and speak to customer service. Weeks and months go by of me calling and no representative being able to help me. I call the branch and no one is able to help me. They just tell me to wait. I should be able to trust my banks atm, not fear it swallowing my money into an empty pit for me to never receive again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33162
Submitted Via: Web
Date Sent: 2023-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-22
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Good morning, XXXX Called Regions twice. Simple- they owe a {$400.00} bonus as promised. Unfortunately still waiting although 1. All requirements met 2. Promotion code provided twice. 3. Several Months bonus overdue. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33062
Submitted Via: Web
Date Sent: 2023-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was looking through my consumer report and noticed that an account with the account number listed XXXX is furnished by Regions Bank on my consumer credit reports, as a charge off inquiry. Regions Bank cant report something as both income and debt. Its illegal to furnish income on a consumer report, A charge off according to the Internal Revenue Service is income and Regions Bank must fill a form XXXX ( please provide me with a copy ). Regions Bank has furnished a deceptive form to create a false belief in me as a consumer by reporting information that resulted in defamation of my character, creating a false impression that I was unable to pay the alleged debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32207
Submitted Via: Web
Date Sent: 2023-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/XXXX I received an email warning of an overdraft on my Regions personal checking account. As soon as I saw the email I checked my account on the Regions app and there were pending charges that were going to put the account in the negative by {$15.00} and some change. There was not an overdraft fee yet, so I did an INSTANT transfer of {$14.00} from my XXXX account and {$5.00} instant transfer from my XXXX account. Then I checked the app again and it showed those transfers had gone through and that I had a positive balance by just over {$4.00}. Today, I checked my account again to find that it now shows I have a negative balance of - {$20.00}. I haven't made any new charges. They moved my {$14.00} and {$5.00} deposits to pending along with a charge of {$5.00} and added an overdraft fee of {$36.00} to yesterdays transactions. They've done reordering of items to maximize overdraft fees before but adding a fee and changing instant transfers to pending a day later to put me negative is new. And by doing it this way they've got the {$5.00} charge there so they can get me with another {$36.00} fee. I called Regions today and told them the situation and asked them to remove the {$36.00} fee. They said they can't do that and there's nothing that can be done. They also confirmed the {$5.00} charge thats showing pending will incur another {$36.00} fee as well. I know this is illegal and they have a history of intentionally making customers pay as much as possible in overdraft fees which is evident by the rulings in XXXX and XXXX for this exact behavior.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38655
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Overview : I opened my account with the promotion code and referral program, but it was closed by the bank saying I didn't provide the necessary documents in one month. However, I did bring all the documents. Now, my deserved bonus can not be honored because of the closure, which is not my fault. The online rep and branch bankers refused to honor this bonus with various runaround actions. -- -- -- -- Timeline : XX/XX/XXXX : With the {$200.00} promotion XXXX and {$50.00} referral program, I opened XXXX checking and saving accounts in the Regions Bank branch ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX ) with the help of banker XXXX XXXX. I provided my passport, real ID, and XXXX card. The banker said he needed to see another proof of address such as a utility bill. I promised to take it to the branch the next day. XX/XX/XXXX : I went into the branch in the afternoon, and met the bank XXXX XXXX at the counter. I showed my electric cable bill to him and he said it was okay. Then, he guided me to his workspace and helped me set up my online banking. XX/XX/XXXX : After the account opening, I fulfilled all the requirements for the {$200.00} promotion and {$50.00} referral bonus. The screenshot is shown in the attached PDF. XX/XX/XXXX : I found my debit card can not be used, and online banking was blocked. I called the online rep for support and was told that the accounts were closed because of not providing the necessary documents. The rep said that she could do nothing and suggested I could contact the bank and local branch for an investigation. I directly contact the local branch ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX ) and a banker told me that XXXX XXXX ( who helped open the accounts and verified my documents ) was not in the branch. But this banker promised to update me in 3 to 5 business days. XX/XX/XXXX : I didn't receive any call from the branch. I had to call them. This time, a lady banker answered my call, but she had no idea of this case. She promised to write it down and give me an update by next Monday ( which is XX/XX/XXXX ). XX/XX/XXXX : I had to call back because I didn't receive any call from the branch. This time, a nice banker ( maybe the XXXX called XXXX ) answered my call and promised to do an investigation and give me an update in several days. XX/XX/XXXX : Very sad and tired, but I had to call back again because I still didn't receive any call from the branch. This time, another banker answered my call and told me to wait for more days. I had no idea why such an easy investigation took so long time. It was already one month passed since my account was wrongly closed. -- -- -- -- I have contacted Regions Bank several times, but every time the banker/rep just lets me wait for some days. Until now, I have waited for over one month, but the bank can not resolve my issue. The bankers are passing the buck, refusing to contact the banker XXXX XXXX for verification of the fact that I have provided all the necessary documents. The bank refused to honor my deserved bonus ( {$200.00} promotion + {$50.00} referral ). I am afraid it is a bait and switch to bolster their account openings and to deny me the right for me to successfully obtain the bonus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94703
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I notice around XXXX that my joint checking account at Regions Bank was overdrawn from an automated bill payment. So I transferred XXXX to cover the negative balance, something I have done several times before at this bank ( we will come back to this ) and others. The next day I see on my app the transfer is pending something that I didn't understand. Another bank XXXX transfer several XXXX dollars around XXXX, the same day I notice the XXXX in Regions pending, and it was in the account ready to go. Something very important to mention I call this morning and was able to get them to return my money after intense conversation. One of her excused was I needed to do it before XXXX but I explained to her I done while still at work around XXXX, then it was a new excuse. So I making this complaint because this is not the first time Regions done this to me before, and I know they was in court for charging overdraft charges not long ago. Hopefully not but they MIGHT STILL be up to old habits. With that said I expected some refunds from Regions because they have done this to me in the past, but never received anything. Thanks, for hearing me out
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A