Date Received: 2022-12-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Regions Bank with loan number ( Masked first XXXX numbers XXXX ) sent me a letter XX/XX/XXXX followed by a note XX/XX/XXXX saying that my account was suspended due to a late payment. They never email me or called my contact information. Payments were made XX/XX/XXXX and XX/XX/XXXX. This was after I asked for the address for notices be change which they never did until after the fact. They then reported this to the credit bureau and this dropped my score XXXX points, From XXXX to XXXX. There was no communication until the letter and no remediation offered simply suspend and report I have been a customer for 11 years and never missed a payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My monthly mortgage payment is {$880.00}. In addition, I will includes funds in excess of {$100.00} as monies for additional principal payment. In the past, my lender has applied these additional monies to the principal but recently the lender has begun a practice of suspending the additional monies for a period of 30 days while the principal interest is still accumulating allowing the additional principal payment to be negated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022, I attempted to complete a XXXX XXXX of {$100.00} from my account to my daughter. The bank froze my debit card for possible fraud. I reached out to the fraud department as well as several other representatives at the bank and no one is able to help because they have the incorrect telephone number. I am placed on hold for long periods just to be told they cant help or they will call me back. No one ever calls back. I explained to the bank that I cant come to the bank in person because I am now in Wisconsin and there is no Region Banks in Wisconsin. I explained that I have XXXX and I XXXX XXXX. The banks system is not able to generate security questions to confirm my identity, which has nothing to do with me. My social security is my only source of income and without this income, I am not able to pay my rent in Wisconsin or pay co-payments for my XXXX medication. At this point, I am in desperate need of assistance so I can be able to take care of myself.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53225
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/2022, I felt as if I had no choice but to close my personal account as well as my business account ; due to the negligence and lack of experience of the bankers/notaries at this specific Regions location ( XXXX XXXX XXXX XXXX XXXX. I have been serviced in multiple Regions Banks, throughout the course of XXXX years, but I have never received such unsatisfactory treatment as I did on that day. I still feel as emotionally distressed as I did when it occurred. I only went into Regions to simply get a document notarized, but I had no idea that it would become the most stressful situation I have ever encountered within a branch. Based on what I experienced, I felt as if my level of intelligence was judged, and I was led to believe that I was being delayed of service without any reasoning due to their reckless disregard of my truth. A notary 's prime obligation is to witness that the signee of the presented document is in fact the person that they claim to be by verifying their identity. As the signee, it is my responsibility to swear, in front of this witness/notary, that everything I'd indicate as applying to myself on the document is true. The notaries at this branch were under the misimpression that they would somehow be held accountable for what I chose to attest, and that the " policy '' that they refused to show me was hindering their capability of assisting me with their free notary service. Evidently their lack of experience and pride would not allow them to take into consideration any of the knowledge I was presenting. At one point I even questioned if I was being discriminated on because of my race or gender. I continued to watch the first banker individually help XXXX women and then redirect the servicing of another male towards the direction of the other bankers. It was so embarrassing for me to have to sit there and watch the first banker resolve only the needs of women all while ignoring the fact that I was patiently waiting for as long as I did. I was told by a second banker that the first banker was only ignoring me because I had insisted that I did not want his help and at that point I just became flabbergasted. I really couldn't believe that such a professional could just blatantly ascribe a sentiment that wasn't mine. I was also told that I should just take my business elsewhere by just going to XXXX and paying for a notary. I spoke to XXXX different bankers, and they all seemed to have the same agenda as far as with trying to provoke me, kick me out, make me feel ignorant, or further delaying my needs. I became overly stressed, thus forfeiting my request for their service altogether. I was so frustrated that I had them close my accounts, drove to their competitor XXXX XXXX XXXX XXXX ), and opened a new checking account. They not only provided me with exceptional customer service ; they also notarized my document without any confusion or hesitation as to what they could or couldn't do and didn't appear to perceive me in any means as a threat. I was so relieved that I decided to go back into Regions and showcase the progress that was achievable by their competitor, but I quickly became drained when the third banker/notary insisted that their competitor just goes by " a different policy. '' The staff at Regions had no remorse for the substantial amount of stress they put me through. Shortly after I left, I called the phone number to their corporate office. I got a temporary sense of relief as the operator noted the incident and empathized with me, but despite feeling like I was understood by the operator, my level of anxiety and self-confidence has become irregular. I'm having trouble sleeping and lately have been feeling like I need to take XXXX to XXXX showers in XXXX day just to feel good about myself again. This was an extremely unsettling experience and I just feel so humiliated about this whole situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32303
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: On XX/XX/XXXX. 2022, I deposited into my Regions checking account a {$500.00} check from a client and a {$500.00} money order issued by the XXXX. A 10-day deposit hold was put on both. I was told there was nothing that could be done and interest would not be paid. The Money Order issued by the XXXX is not a deposit instrument and 3 days is the limit the bank has to pay this. Their reason for holding both? They might not get paid. I have never bounced a check at Regions, they have no reason to hold my deposits.
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: 2022-12-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XX/XX/XXXX From : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, XXXX XXXX, XXXX Re : $ XXXX Wire Fraud. XX/XX/XXXX My Regions online bank account permissions were changed to allow WIRE TRANSFERs out of my bank account without my permission. Then money was wired of of my bank accounts without my permission. Wire Fraud Fraudulent wires originated from a Florida residents, Florida corporations bank accounts, doing business with a Regions Bank ( licensed in Alabama ) at a Florida Branch, Scammers Hackers are Florida Residents with Florida addresses who took the money illegally using XXXX accounts with account holder Florida address on wire instructions. What FLORIDA law enforcement agency has jurisdiction over this crime? What agency regulates banking in FLORIDA? How can somebody just CLICK and send a wire from an account that never been able to send a wire previously? And do so from a ip address that has never been used to access the banks online portal? We NEVER gave our account numbers or login information. On XXXX XX/XX/XXXX my wife XXXX XXXX XXXX and I, XXXX XXXX XXXX XXXX were defrauded of {$210000.00}. This happened by the FRAUDSTERS wiring money from three business accounts which never had the ability to wire funds without personally appearing at the branch. One account was the security deposit account for our hundreds of rental units the XXXX operate. XXXX and XXXX both received phone calls from hackers about XXXX XXXX for XXXX and XXXX for XXXX. XXXX was traveling in XXXX XXXX XXXX. XXXX got the call while riding a bicycle in XXXX XXXX. The hackers had access to our bank account when the phone calls were made to XXXX and XXXX. The caller claimed to be a Regions Bank Fraud Agent. To verify his identity, he was able to tell us our account numbers, FEIN numbers, Balances and recent transactions. The caller claimed suspicious activity on our account in Texas and gave bogus fraud charges happening on our accounts as examples to gain our trust. He texted us a transaction to respond with 1 for YES and 2 for NO if this transaction is fraud. While he was on the phone with us. He then demanded that we escalate the fraud to next tier by typing the case number into our phone. XXXX XXXX realized that this was forwarding her phone and unforwarded he phone after 5 minutes, XXXX spent 15min trying to unforwarded his XXXX XXXX . XXXX then called the Regions Bank located at XXXX XXXX XXXX XXXX. XXXX FL. XXXX spoke with XXXX XXXX. XXXX logged into XXXX accounts and said he saw no suspicious activity to any accounts. He stated no money had been moved. He suggested to change passwords. XXXX then called XXXX XXXX in our office and XXXX gave XXXX her login and password and asked XXXX to CHANGE the PASSWORD because of a suspected hacker. XXXX changed the password XXXX times around XXXX. XXXX called XXXX XXXX at the office at XXXX XXXX after he unforwarded his phone by XXXX. XXXX then rode his bicycle to the XXXX XXXX XXXX arriving around XXXX XXXX and met XXXX and discussed suspicious calls to XXXX and XXXX. XXXX tried to call Regions Fraud Dept at the toll-free number but cant remember if he got through all the prompts. A call was made to the local Regions branch in XXXX XXXX where employee XXXX XXXX said to get to the XXXX XXXX Regions branch immediately. XXXX and XXXX arrived at XXXX XXXX. Simultaneously XXXX told XXXX to find a Regions Branch and she arrived at the XXXX XXXX Regions branch and spoke to XXXX XXXX. XXXX and XXXX were speaking with each other on speaker phone in front of XXXX and XXXX. XXXX and XXXX both changed the Login and Password to XXXX and XXXX online credentials simultaneously from their Regions Computers at their desk between XXXX and XXXX. XXXX and XXXX reviewed our accounts and said NO Activity, NO Pending, XXXX even looked for new login credentials, new permissions, new devices and the last time somebody was logged into the account. They both said all safe. We both left the branches at XXXX XXXX XXXX. Thinking our accounts were SAFE. We both never even logged in to our Regions accounts with our new credentials. While XXXX was driving home from XXXX XXXX FL to XXXX XXXX, she received the TXT msg from Regions notifying her that money was leaving our bank accounts. This message came at XXXX XXXX. XXXX and XXXX Both called regions toll free as the local branch was closed. XXXX called to inquire HOW the money could be leaving our account and he was told of the WIRE transfer, something that the account never had the ability to do. XXXX and XXXX both requested that the accounts be locked immediately something never offered to us at the local branch. At XXXX XX/XX/XXXX XXXX XXXX and XXXX arrived at the Regions Bank to report the FRAUD and figure out what happened. Apparently for Regions Business accounts users can login in online and click to enable wire transfers out of the REGIONS BANK with only a TXT or Phone verification ( reason for the XXXX forward of our phones ). This is something never explained to us, as we DID NOT want this service and would have liked for an authorized signor to produce identification at the branch before such change was made to the account. So Regions waited 48 hours to get the Regions Wire transaction data that is still missing the TIME of the wire. We still do NOT have the wire TIMES. We feel that is very important. As we think we could have notified the receiving Bank sooner increasing our chances of recovery. Regions states that they have no financial responsibility. I feel that they do have financial responsibility for several reasons. Our complaint : 1 ) Regions Bank allowed three wires to leave our accounts electronically. This is a service that was NOT available on our accounts. I know because I have called in the past and was told that wires need to be originated at the branch. The hacker used a back door in the regions electronic banking site to gain wire transfer access. This and the regions suspicious activity monitor should have realized 1 ) backdoor wire access from a NEW device, new IP address, login credential changing quickly etc. 2 ) Both XXXX and XXXX rushed to the local Branches immediately when we realized that we were compromised, but first we reset our passwords ourselves. XXXX went to XXXX XXXX XXXX and had XXXX XXXX of Regions reset the user name and password at XXXX XXXX from her system computer in the Regions Branch. We were told that there is no activity and our account is safe. XXXX XXXX went to the XXXX XXXX Regions Branch and had XXXX XXXX of Regions reset his user name and password from his Regions bank computer at XXXX XXXX. XXXX and XXXX of Regions looked in all accounts and said NO activity, He was speaking with XXXX on speaker phone. Additionally, he checked logins and said no new devices have logged into these accounts. Then while I was sitting in his office, he saw my phone blowing up with phone and text messages from the hackers and he reassured me that the reason that they are calling is they do NOT have what they need to get into your account. He said when they get in and take your money they will stop calling and texting. At XXXX XXXX the wire went through, after regions representatives changed the user and pw on the regions System. A ) Regions has responsibility because our online accounts were not supposed to be able to wire to outside banks. B ) Regions has responsibility because they had they reset the passwords and user names themselves and allowed a hacker to penetrate their system without any correspondence from the hacker to us. C ) Both Regions representative did NOT notify us that our account WIRE privileges have changed between XXXX and XXXX, and the change was made from a new device logging into the system. We both did NOT leave the branches until XXXX XX/XX/XXXX. D ) Regions notified us of a wire transfer at XXXX when it actually happened XXXX XXXX. their delay caused us to be unable to STOP the wire on the other end and delayed action by 18 hours. 3 ) It took them 48 hours to produce the wire transfer receipts. Withholding this information delayed in providing law enforcement agencies with the proper information. Yet still almost one week later we still do NOT have the Wire Times, SWIFT codes, recipient bank routing numbers 4 ) When you look at the WIRE transfer receipts you will notice that they do NOT show the time of the wire that is conveniently cutoff. 5 ) Im sure the Local Regions bank representatives XXXX, XXXX and XXXX have my best interest. However, I feel REGIONS corporate has withheld and is still withholding information. Regions Fraud Department XXXX XXXX office XXXX cell says that I will need a Subpoena to get the following information from Regions IP Address used to complete FRAUD Website Address used I would like the time on XX/XX/XXXX that the account permissions were changed to allow wire transfers without physically showing up at local branch to initiate a wire transfer via a regions representative? What login was used for this wire permissions account change? Profile Name, UN, PW, and IP address and time. The IP Address that initiated this change? The time of the Fraudulent Wire transfers? I think that you said XXXX XXXX XXXX XXXX... XXXX EST. Please confirm. What login was used for wire transfers? Profile Name, UN, PW, and IP address I would like a record of all the login credentials changes for XXXX and XXXX accounts on XX/XX/XXXX to XXXX XXXX to include Account user, UN , PW, NEW UN , NEW PW, date, time, Device, device location, IP address. XXXXXXXX XXXX PW was changed at approximately XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX on a XXXX laptop to try and protect the account. XXXX at the XXXX XXXX Regions Branch changed the UN and PW to XXXX 's online credentials at approximately XXXX XXXX XX/XX/XXXX. to protect the account. XXXX at the XXXX XXXX Regions Branch changed the UN and PW to XXXX online credentials at approximately XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. Note : The address on the XXXX XXXX is a condo that XXXX XXXX owns. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX. XXXX has never heard of the name XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: The banks ATM took my cash shut the door with my money still stuck some of the bills were sticking out of the machine. I tried to get the bank to send out a rep immediately they then took several days to check the ATM. They got ahold of The company or other bank XXXX XXXX to do an audit but claim I was the last one to use it but how many people could have taken that money sticking out is untold. They gave me the money I told them it took and that if they counted less then I would be responsible for the difference. That difference was much more than what I deposited. They never offered to pay late fees as a result of them holding my money over XXXX before I had access to the funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33511
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I AM XXXX XXXX XXXX, AND MISLEAD. I HAVE A BILL OF EXCHANGE THAT I WAS TRYING TO SUBMIT FOR LEGAL TENDER AND THE MANGER WELL HE CLAIMS TO BE THE " HEAD MANGER '' OF REGIONS BANK AT BRANCH LOCATION IN XXXX, XXXX. HE SAID HE WILL CALL THE POLICE ON ME, HE MAKE XXXX TO XXXX A YEAR AND I HAVE NO RIGHT TO USE LEGAL TENDER. ALSO STATED THAT HE WILL CALL OTHER BRANCHES AND HAVE THEM PUT ME ON LIST NOT TO OPEN AN ACCOUNT UP WITH THEM. HE IS GOING AGAINST MY RIGHTS A XXXX GIVEN PERSON AND CONSUMER LAWS. WHEN XXXX WAS PASSED WE THE PEOPLE BECAME COLLATERAL TO USA DEBT THE REMEDY FOR XXXX THAT WAS ALL DEBTS ARE PAID BY THE USA, AND LEGAL TENDER IS NOT IN CIRCULATION BECAUSE ITS NO GOLD BACKING THE DOLLAR ITS JUST PAPER. THE MANGER CUSSED, YELLED AND SCREAMED AT ME FOR NO REASON ON TOP OF HIM NOT EVEN MEETING ME NOR SEEN MY BILL OF EXCHANGE. HE SNAPPED ON MY OVER THE PHONE AND REFUSED SERVICES CAUSE XXXXM TRYING TO GET A CAR USING LEGAL TENDER. AS I STATED ON THE PHONE IF I MAY BE MISLEAD PLEASE CORRECT ME BUT HE DID NOT EVEN WANT TO MEET WITH ME TO SEE WHAT IS IT THAT I HAVE. I DO EVERYTHING IN GOOD FAITH AND STANDING. IM JUSTA PERSON WHO IS LEARNING AND SEEKING HELP. HE ALSO WAS HANGING UP ON ME BACK TO BACK AND I HAD TO CALL BACK JUST TO GET HUNG UP ON. I HAVE WITNESSES THAT WILL TESTIFY IF HAVE TO THAT THE MANGER OF THIS BANK WAS VERY DISGUSTING WITH ME FOR NO REASON ALL BECAUSE IM TRYING TO DO LEGAL TENDER.
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: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XXXX XXXX Regions Bank decided to close both of my business accounts. I have been banking with Regions for almost 5 years. I received a letter shortly after the XXXX notifying me of the account closure, but it didn't specify a reason. It stated in the letter that I should receive a cashier 's check within XXXX days of the remaining funds from both accounts. It has now been well over a month since account closure. I have called and spoken with customer service on two occasions, and they said the check was mailed and that I should've received it any day. I was advised by a phone rep to visit the branch at XXXX XXXX XXXX XXXX TN and I've dealt with customer service rep XXXX and his XXXX XXXX and was told that I had to wait 30 days in order for them to cancel the previously issued check and reissue in person. When XX/XX/XXXX approach I called XXXX and he advised me to come up there and it should be ready, so I visited the branch on XX/XX/XXXX and was told they still weren't able to reissue my checks and that they will send escalate my case and I should here from someone Monday XXXX. I haven't received an update, and this is well over a month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38125
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My employer uses XXXX for our payroll cards, XXXX makes it hard for us to do direct deposit with no instructions to do so, the app and website is confusing and not user friendly especially on a smart phone, I have reported fraud on my account they have been no help, I feel like I am being ignored, also they have numerous complaints on XXXX XXXX XXXX, this is a example of a company thinking that they are above the law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17602
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A