Date Received: 2023-01-03
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Within the last month, I have accrued over {$430.00} in overdraft fees with Regions Bank. I am aware of the overdraft protection act and what it limits banks to regarding overdraft protection fees. I am also aware that Regions bank is under investigation due to this same issue, owed to payback most of the excessive overdraft fees. The act states that no more than one overdraft coverage fee per month and six per year, per account, by the terms of the proposed bank overdraft fees law. The fees I was charged include XX/XX/XXXX for {$100.00}, XX/XX/XXXX for {$100.00}, XX/XX/XXXX for {$36.00}, XX/XX/XXXX for $ XXXX for {$72.00}. I approached Regions bank and they told me they were only able to refund 'maybe ' {$72.00} back. Once I brought up the over protection act, they told me that they were able to charge up to {$100.00} in overdraft fees per month. Even with that, they wouldn't return more than {$72.00} of fees back to me. I have multiple accounts with them that have money in them, and I haven't been charged an overdraft fee with them on this account before this month. The {$430.00} is more than the charges on my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33021
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I'm being asked to come to branch with my identification for the second or third time, the first two times yeilded no understanding or any resolution this has been going on for two years now, they're taking funds without giving me access.It has been very hard to get anything clear on the matter.They said something about an investigation but I heard nothing after that, I wanted to close the account with them but haven't been able to a year or so ago, forgot about the account got back in touch with them and they're saying the exact same thing they said two years ago. {$2900.00} is down to {$2000.00} no no clarification just fees and they refuse to close the account so can't take my business elsewhere, litterly being held hostage and being treated like a criminal ( just come to the branch with my identification and nothing ) This is the XXXX XXXX XXXX in FL. and now XXXX too something isn't truthfully being said broken trust.Please can you look into this matter involving checking & savings Regions Banking Practices
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 314XX
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check for XXXX into my business account. They put a hold on it for 10 days. Before that the hold was only for two days but they said I endorsed the check wrong. When I went to the bank they checked to see how it was endorsed and told me it was fine. They told me there was nothing that they could do to change it. When I contacted the bank of the person that wrote the check, they said they were not able to give out information to my bank on whether or not there was funding. My bank is Regions and the person who wrote the check has XXXX. When I talk to the person who wrote the check the money had already left their account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32224
Submitted Via: Web
Date Sent: 2022-12-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
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'm sending this letter to have inaccurate information deleted that's reporting to XXXX, XXXX and XXXX. I've tried to have Regions Bank and the credit bureaus to delete numerous 90 day late from XX/XX/XXXX to XX/XX/XXXX when my account was closed on XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My mother who passed away in XX/XX/2022 had a checking account and an IRA with Regions bank in Alabama. I was named on both accounts as well. I first contacted the XXXX branch in XX/XX/2022 about closing the accounts and forwarding the proceeds to me. As of this writing I am still trying to collect approximately {$500.00} which they are holding in the checking account. The bank has sent cashiers checks without signature and has twice required that I forward notarized requests and copies of my mother 's death certificate. Each amount of money I have collected has required a great deal of follow up on my part. The current amount in the checking account is a distribution from the IRA that was done in error due to Regions delays. They have stopped responding entirely to requests for collection of this amount. At this point I have to think Regions is being deliberately obstructionist so they can hold on to funds as long as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85258
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Over the past few months I have been charged numerous overdraft fees due to pending deposits. On XX/XX/XXXX I was charged {$100.00} in overdraft fees but I had money in my account and would not have been negative had it not been for fees,. When this fee posted it brought my account negative and then I was charged {$100.00} the next day on XX/XX/XXXX!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29485
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-26
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX XXXX at aprox XXXX i deposited {$800.00} into the atm at regions bank at XXXX XXXX XXXX XXXX XXXX XXXX XXXX La XXXX the deposit never went thru and the atm took {$400.00} & spit out the remaing {$400.00}. i called the XXXX number on the back of the card and filed a dispute as soon as it happened. they credit my account for the {$400.00} but after the investigation the bank claims the atm was in balance and decided to take the {$400.00} back. i called the bank and spoke to XXXX the branch XXXX and asked her to write a ticket for the surveillance camera from the atm to be reviewed so she can clearly see me trying to grab my money and if the canera has speakers u can hear the atm gargaling the rest of the money. also you can clearly seeanother car comes behind me like XXXX min later and do something fishy as if there was a credit card scimmer installed there. but she claimed nothing could be done.
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: 2022-12-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-25
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Account was closed with open fraud disputes unresolved resulting from identity theft. Also, Claimed account was dormant, but had direct deposit received and applied to account less than a week ago.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30224
Submitted Via: Web
Date Sent: 2022-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I first opened the XXXX XXXX account up back in XXXX of this year 2022. After giving them a {$300.00} deposit. After getting the the card and terms, which I was not aware of, I decided the terms was not fair. So, I decided I would close the account. I decided on XX/XX/2022 to finally close the account, which I never used. I spoke with Representative named XXXX on that date and told her I am closing my account. She said the account will close and I will receive my {$300.00} deposit in the mail to my address on file within XXXX to XXXX weeks. XXXX to XXXX weeks went by and I did not receive my check in the mail. I called them back again on XX/XX/2022 and I was transferred to multiple employees and eventually the phone was disconnected. I called back again on XX/XX/XXXX, and spoke first with Representative named XXXX, he said he does not have a XXXX ID. Then I asked to speak with the supervisor. I was transferred to supervisor named XXXX Representative ID XXXX. He said he does not know what happened with the check where it was and if it was even shipped to my address back from XX/XX/2022. I asked what is going on? I do not understand this process. It should not take this many attempts to get a resolution. There was a ticket number created ( ticket number XXXX ) to get down to see what is going on. I was told I would receive an email with an update within XXXX to XXXX hours. XXXX hours later, never received a response. I emailed them asking them where is my {$300.00} deposit? I did not receive a response back. That was XX/XX/2022. I called again today, Friday, XX/XX/2022 and spoke with supervisor named XXXX XXXX, Representative ID XXXX. He told me the last activity that was on the case was XX/XX/2022 waiting for a XXXX approval to issue out the refund. I received no solution again today. I have not ever had to report a business to an agency before. I do not know what is going on with that company, but it needs to investigated. I was told they have a lot of complaints against them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01930
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited XXXX checks a month ago into Regions bank. XXXX check was from a car delearship for {$400.00} and the other was from XXXX XXXX XXXXXXXX for {$0.00}. The {$0.00} check was returned on my account because I had not noticed it was expired. So the bank decided to close my account. The {$400.00} check went through with no trouble yet they are still refusing to give me my money. It has been one month since I have not had access to these funds. I have asked repeatedly for them to send me the balance in my account like they said they would weeks ago. I do not have specific dates because they also locked me out of my online banking feature.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46845
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A