Date Received: 2022-11-09
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Today, XX/XX/2022, we contacted Regions Bank in regards to a {$72.00} over draft fee that hit our account this morning. We didn't understand how we received the fee because we had {$8.00} left in our account. I checked our account at XXXXXXXX XXXX and also at XXXX XXXX The amount never changed, until we checked our account at XXXX XXXX It showed our account was - {$180.00}. When looking deeper into the issue, it looked as though Regions moved some transactions around to cause our account to be in the negative. The way that the purchases are listed, it's showing that we've made pin purchases while in the negative. How is that possible? Regions never authorizes a pin purchase if your accout is already in the negative. We informed the representative of this information and they were no help at all. They couldn't give us a valid reason for charging multiple overdraft fees. The representative stated maybe we were not looking at the available balance properly. Even though when you login online it shows you the available balance and the amount be held directly at the top. You can't miss it! When a pin purchase is made, that money is instantly taken away from the available balance. The representative never acknowledged our statements and constantly stated that they were not giving our overdraft fees back. The rep even stated that our fees were caused by a fast food purchase ( XXXX purchased on Saturday, XX/XX/2022 ). We downloaded the overdraft fee document from the website and it shows two pin purchase. XXXX purchase was in the amount of {$44.00} ( XXXX ) and the other is for {$4.00} ( XXXX ). The representative avoid telling us this information and absolutely nothing was resolved. Of course a situation like this has happened before with Regions, a representative stated that we can not go by the transactions listed online because they are incorrect. That we needed to keep track of our own transactions to make sure we up with our available amount. That was a very shocking yet confusing statement! Why would I need to have an online accout if everything is constantly incorrect. Everything they've said and done to justify why they are constantly taking money from us doesn't make sense. We've grown very tired of Regions Bank and all of their excuses. Especially the terrible customer service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 71112
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I Have Identified information on my reports as a result of identity theft.Items are not the results of any consumer transactions made by me. Here are some of the companies attempting to collect monies unlawfully : XXXX, REGIONS BANK CREADIT CARD, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REGIONS BANK, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the named ( soe ) COMPANIES are a pairing the efficiency of the banking company.The continued reporting informtion is improper utilization of my information.
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: 2022-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a mortgage with Regions bank whereby the subject property has been occupied by a Tenant since XXXX of XXXX. As per the terms of the XXXX agreement with the tenant ACH drafts are authorized to be made each XXXX Thus, Rent payments have been drafted from Tenants bank account at XXXX and applied directly to mortgage payments at Regions Bank since the inception of the XXXX. I recently received notice from Regions Bank of default whereby Regions unilaterally returned XXXX XXXX of mortgage payments to Tenant 's bank at XXXX and classified the reversal on my account as a " misapplication reversal. '' On XX/XX/XXXX, I spoke with XXXX and XXXX at Regions Bank in the collections department ( neither gave their last name ). I advised of potential fraud on my account and the situation. The explanation I received is " for any reason and at any time if Regions receives a request to return money they have to honor it. '' I requested a copy of this policy and Regions has failed to provide it. The Tenant has enjoyed the use of the property and this is a theft of service on behalf of the Tenant whereby a fraudulent request to return payments to their account was made without my knowledge and Regions followed through with a refund of these payments without my knowledge or approval.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77025
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XX/XX/2022 TO : Consumer Financial Protection Bureau RE : XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX Claim ID # XXXX Card Ending XXXX Attn : CFPB I received a notice from my Regions Bank, disputing certain transactions. Based on their investigation, they determined not to credit any of the fraudulent transactions. I received my XXXX check early for the month of XXXX, which was on XX/XX/2022. I called the automated banking system and realized my check was short by {$200.00}. On XX/XX/2022, I went to the ATM and withdrew {$600.00} as I do every month. My budget does include {$300.00} on a monthly basis for website use. On XX/XX/2022, I again called the automated banking system, and my balance was negative {$1900.00}, I immediately called the Regions Fraud Department. They conducted their own investigation, and informed me that I made all of the charges, which I did not. I talked to Regions Fraud Department multiple times, and some of the conversations were of a negative response, and was disconnected. I received my XXXX check on XX/XX/2022. Regions Bank records show from XX/XX/2022, thru XX/XX/2022, showed charges of {$630.00}. My website usage was {$150.00}. The balance of {$470.00} were fraudulent charges. I received my XXXX check on XX/XX/2022 for the month of XXXX. I called the automated banking system for my balance. This check was for {$1000.00}, which was {$200.00} less than expected. I went to the ATM and withdrew {$600.00} as I do every month. I spent {$280.00} on the website, as XXXX budget {$300.00} for this expense. My documentation shows for XX/XX/2022, {$470.00} fraudulent charges. For the month of XX/XX/2022, {$1400.00} fraudulent charges. For the total of the two months, I was scammed {$1800.00}, which is close to the {$1900.00} Regions says I owe. Please conduct your own investigation into this matter. Sincerely, XXXX XXXX XXXX ) XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37076
Submitted Via: Web
Date Sent: 2022-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/XXXX, one of our business cards was used to make four ( 4 ) purchases of {$150.00} each ( total of {$600.00} ) for XXXX XXXX. Fleetcor notified us of potential fraud, and we informed them that the transactions were fraudulent because the employee who supposedly used the card was an hour away from where the charges were made. We also immediately cancelled the card. After filling out the proper paperwork, XXXXeetcor is refusing to process our claim. It isn't that the gas station has denied our request. It is that Fleetcor won't even attempt to process a chargeback because we have more than 10 cards with them. This was their immediate response : Upon review of the available information, which includes but is not limited to transactional data, account history and information which you have provided on the dispute form, it has been determined that the charges in dispute are not covered under your Cardholder Agreement, and therefore we are unable to approve your claim. Your Cardholder Agreement states : Federal Regulation Z for Business Use : You agree in any event that if at any time you have been issued ten ( 10 ) or more cards at your request, then you waive any and all limitations of liability for unauthorized use of such cards. While our real-time transaction monitoring systems are examining your account 24/7 for suspicious activity, we recommend that you frequently review your account for unauthorized purchases. Customer service is available 24/7 if you'd like assistance on the best way to use our online tools to monitor suspicious activity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: More details of the event included in the police statement I submitted which is attached and happening in the early hours of XX/XX/XXXX. In short, met a random person on a trip in XXXX, had drinks, etc., ultimately the person asks to go to my hotel room, I oblige. Sometime afterwards, I mention the sun coming up and needing at least 2 hours of sleep, the person asked if they could use my phone to get an uber. I open my phone, XXXX it their direction as I use the restroom, they are still on the phone as I come out - kisses/goodbyes and I go to sleep. Upon waking up, I notice a XXXX charge to XXXX and XXXX to cashapp. Both companies as well as my bank, Regions, were communicated with that day as I asked for them to freeze/stop the transaction and informed all parties it was unauthorized. XXXX agreed with my claims. I spoke with someone at Regions ( I believe it was the fraud department ) that said I could not stop or dispute the claim until it goes from pending to processed but that this should be an easy claim given the details of the situation. I then disputed the claim as soon as I was able to, I believe on XX/XX/XXXX. Believing it was XXXX ' I left it at that until there was a Reg E Reversal posted to my Regions account on XX/XX/XXXX. Upon reviewing my mail I did recieve a letter from them dated XX/XX/XXXX but had no further letter or communication received at the time of the charge on XX/XX/XXXX from Regions. The only communication I had from cashapp was informing me I had to request the XXXX to send me the money back, which they of course did not. I have had a lot of interaction with both Regions and XXXX since the charge was posted on XX/XX/XXXX and believe at this moment my rights under 12 CFR part 1005, 1005.6 ( b ), have been infringed upon. Initially phone communication was all I had with Regions. To be XXXX, I'm not sure who's at fault, but I believe Regions should have either held me liable for only {$50.00}, if not {$500.00} for this unauthorized transaction. I am under the understanding that because XXXX submitted a document confirming my phone was used, that Regions ruled in their favor and I have been told I have no recourse other than with the merchant ( cashapp ) because I did not submit anything to Regions. I was never told I needed to and didn't even see the letter saying I could until the reversal hit ... nobody contacted me by phone or email to investigate ( prior to XX/XX/XXXX, but that was more to tell me that it's my/cashapps problem, though I did get them to finally provide me the documentation cashapp sent )... I am a public servant and really been adversely affected by this and their ( Regions/Cashapp ) lack of action and communication. I respect the gov't and their workers but I already created a complaint against XXXX, as you will see, as I don't fully understand this process. I hope this doesn't waste more of your time, you have my permission to lump them together or close it if it lacks merit. I have spoke with 6 different individuals with Regions in the last 3 days and none of them have wanted to speak about 12 CFR part 1005.6 ( b ) in detail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63901
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I am a Regions Bank customer ; I was regularly receiving emails about opening a personal line of credit. The emails said I was approved for the line of credit, it was only a matter of how much they would lend me. I applied for the line of credit one day, the representative told me in a couple of hours I was approved for {$10000.00} and what account would I like the money deposited to the next day. The next day came, nothing was happening. I called and nobody at Regions Bank had an answer. Finally, after a few days a supervisor of the personal loan department said the person I spoke to had made a mistake and that certain credit cards would need to be paid off with the money. I declined to do this. A few months went by, and I inquired again. I went over what happened before, submitted an application, went to the bank branch to sign the paperwork. This time I was denied credit saying I had too much debt to get a personal line of credit. I called the branch manager to say the ad looks like it is a matter of how much money they will loan as I am Pre-Approved. She never got back to me. Now my credit score is lower because of two credit inquiries and I have no money to restructure my debt. The emails are deceptive from Regions Bank is the basis of my complaint. They say you are pre-approved when you are not really. An XXXX does not absolve Regions Bank of the deception in the tone of the email advertisement. It is fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32750
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: The Contractor, XXXX XXXX + XXXX XXXX, XXXX. XXXX did not complete the solar installation as agreed per the 'Installation Agreement ' attached. Financing was arranged and obtained by XXXX, XXXX XXXX, through " XXXX XXXX '', copies of XXXX XXXX ; however, the documents were removed from XXXX and we have no paperwork from XXXX XXXX, we could not discover XXXX XXXX in the NMLS. We were delivered a Pronmissary Mortgage Note from " ENERBANK '', again not discoverable in NMLS. In a text conversation with XXXX XXXX SMS with the bank, we stated " DO NOT PAY '' ( XXXX ), since the work is substandard and rejected for the XXXX XXXX XXXX XXXX XXXX contractor 's final permit, herein attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 906XX
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I called Regions customer service because they locked my account for an unknown reason on XX/XX/2022. They unlocked my account and proceeded to extend an offer for a personal loan in the amount of {$6000.00} that would not cost anything the first year. The person offering the loan told me on the recorded line repeatedly that this does not cost anything unless I use the loan and do not make a payment on time. I explained I did not need a loan and he assured me that this was of no cost to me and would just be there for a back up. I agreed, and he then told me he needed to attach it to my checking. I asked if I could not have it attached to my checking because I did not want this money mixed with my checking account that I use for spending. I told him since, like he said, this would just be a backup and I have no intention of even using, I rather it be attached to savings if it must be attached. He said I could move the money wherever I choose with no problem. After agreeing to this, I check my account and everything looks just as described. Days later, I started receiving unknown calls coming through as scam-likely multiple times a day with some including voicemails saying they are with Regions to collect a debt and would give a different number from which they called to return their call. I called Regions customer service directly, on XX/XX/2022 at XXXX and spoke with a representative on a recorded line to check my account, explaining I was receiving multiple calls daily for over a month from people saying they are with Regions. They assured me everything was good with my checking and savings account, as well as the loan. I specifically told the representative it was shortly after agreed to this loan that I started receiving calls, and gave them one of the numbers I was receiving calls from. She told me it was likely scam and advised me to not answer these calls, as well as assured again that my account was good. XX/XX/2022 I went to my Regions app, and checked my accounts. I, for the first time clicked on the {$6000.00} loan which showed up on the app as still {$6000.00} that I never used. When I clicked on it, I saw all of these interest and late fee charges. I went to my bank and they explained to me that when the person who offered the loan attached it to my checking account, it charged me an interest charge of {$6.00}. Since the person who offered me this loan on the recorded line assured me multiple times this would not cost anything if I do not use and he himself attached this to my account assuring it did not matter where I move this money as long as I do not use or miss a payment. So, I was charged {$6.00} interest I believe, when he attached this to my account after being told there would be no charge for this on the recorded line many times. As this account continuously showed up as {$6000.00} and I never used, I had no idea I was being charged and that the scam calls saying they were from Regions were in fact from Regions. I was lied to by the person who gave me this loan, and lied to again by Regions customer service stating that there was no issue with any of my accounts and to ignore these calls. For months, I was unknowingly charged interest and late fees on this loan I never used. My banker at Regions said that he would work on fixing this for me, and I had him give the XXXX loan back from my account. The rest of the charges were from the initial {$6.00} interest charged I should not have been charged because I did not attach this to my checking and assured that I could move the money from checking to savings with no problem or charge. Regions said they were working on resolving this but in the meantime I am still seeing interest and late fees on the loan account from them so I made another appointment with my bank. The second time, they were able to get some of the charges taken off but not all and explained there was nothing more they could do. I would have to call Regions loan department to sort this out from here. I called the loan department several times this past month, and spoke with several supervisors, assuring me they all had filed a complaint and this matter was being investigated, they filed a credit dispute as well as the last supervisor assuring me she filed a credit dispute for this to be reversed on my credit on XX/XX/2022. It is now XX/XX/2022 and I have received no call back or resolution on this matter that has greatly taken a toll on my credit score, because of their mistakes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33771
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
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 paid off my credit card in XXXX and closed my account. The online access was turned off and i received no other notices or phone calls In XXXX I received a letter from a collection agency for less than {$20.00}. When the letter was received it said the account was 30 days and i should call immediately. I called and it was regarding my regions credit card ( i have banked with them for years ) and i had to call them to discuss. I called customer service and they agreed that I should have been notified. She zeroed out the account and would report it closed. and said to remove the credit mark ( the only one I have ever had ) i would need to dispute through the credit agencies and she would make notes to approve the correction to my credit. I did and they are refusing to remove the mark. I had no notification that there was residual interest after payoff until it went to a collection agency. They turned off access to my account as well. I feel this is unfair to not do what they said they would do. I have a perfect history and this has impacted my score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 380XX
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A