Date Received: 2022-10-14
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I have been getting charged a monthly fee of {$5.00} by Regions Bank for years when I was told by the bank when I opened the account that if I received a direct deposit that I would not be charged the monthly fee but I was still being charged this fee.
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: 2022-10-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I started my account in XXXX of XXXX. Every week for months over the summer of this year, XXXX to XX/XX/XXXX, Regions bank has been over drawing my account then charging me, sometimes multiple overdraft fees after I opted in for overdraft protection.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38671
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2022, someone used my debit card information to make XXXX purchases from XXXX in the amount of {$1100.00} per purchase. They actually attempted a fifth purchase, but due to a limit on the card, I was able to cancel the card before it went through. I reported this yesterday to my bank Regions, but was told the charges were still pending and I could not submit the fraud claim until the amounts actually posted. They said this would occur today -- XX/XX/2022, between XXXX and XXXX XXXX. I contacted the bank again today, and the amounts XXXX x {$1100.00} are all still pending. I have now been told that I have to wait until tomorrow to submit the fraud claims. Right now, my account is about to be overdrawn due to these charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38401
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I have banked with regions a few years now. As a XXXX, I NEED a bank that I can easily deposit cash. I picked regions because theres multiple locations by both my work and home. They have continually charged me unfair overdraft fees for the entire time. I cant tell you how many times Ive went to bed at midnight or later with a positive balance only to wake up with an overdraft fee. The bank onky allows ONE overdraft reimbursement, no matter how long or how much you bank. Ive been told that all transactions are in by a certain time of time yet Ill still be charged an overdraft AFTER said time. Ive even had a instance where the banker himself couldnt tell me why I was overdrafted, I had money in the account, more than enough for my transactions. Regions bank is a terrible bank for someone like me. The ATMS are full often therefore you cant deposit any money to even try to combat overdraft fees. Ive been looking for months now for a better bank solution
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 723XX
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I have called multiple times to speak with regions customer service I have gotten charged multiple times {$70.00} plus dollars every time in overdraft fees when I would have money in my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38501
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Regions changed me surprised overdrafts fees on certain a ATM withdrawls and debit card purchases despite telling me that I had insufficient funds in my XXXX account. During XXXX XXXX XXXX. With this being said this institute would post me having money in my account, yet using the card the transactions would post incomplete, requiring me to pay an overdraft fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35215
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I was charged overdraft fees on top of more overdraft fees. My account has recently closed due to tremendous fees accumulated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 365XX
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I do not have overdraft but my account gets overdrafts then I have to pay the fee everytime when the transaction should just decline if the money is not there. This been happening for years now
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: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Enerbank USA - Account # XXXX The above account have violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A, Section 2, states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section, states that no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75248
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Last month regions charged me for an overdraft fee when I know I had the correct amount of money in my account. They couldnt explain the fee and said that I would get the money back, but I never did. They still took the {$36.00} from my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38701
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A