Date Received: 2022-10-10
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I over draft my card XXXX $ and the next day I was in the hole XXXX $ for wrongful overdrafts Ive had with regions bank I was being charged DOUBLE THE AMOUNT
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: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On a Saturday I transferred money from my Regions Bank XXXX account to my Regions Bank XXXX account via online banking. I reviewed my checking account balance to see that the transfer went through and the balance reflected the transfer. Then I went to XXXXwo stores and made purchases using my debit card. On Tuesday morning, I checked my account online and noticed that it was negative. After further review I saw two bank overdraft charges for the two purchases I made after transferring money into my checking account. I called Regions bank customer service and asked the agent why I was charged two overdraft fees for the purchases when I transferred more than enough money into my account before making the purchases to avoid overdraft. She informed me that the bank was closed on weekends and on Monday mornings their policy is to post all the debits first then the credits. They do not post in the order the transactions were made. So they essentially charged my account for the two transactions before they posted the transfer which made my account overdraft because there wasnt enough money in the account to cover the transactions which is why I did the transfer in the first place. After which they charged me an overdraft fee for each transaction after that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 386XX
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: Managing an account
Subissue: Fee problem
Consumer Complaint: Regions and their overdraft fees have been beyond ridiculous. They have been doing it for years. There has been several times we have wondered why they have been taking so much. Its out of hand. I did read where regions was getting sued for this. We had one account, then closed it and opened another account with them. So far no fees with the new account, but our other account it was continuous.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 391XX
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: Regions charged me XXXX in fees when I havent even went negative yet. Then wanted to give me a hard time about! Asked me well maam what do you want me to do?! I said GIVE ME MY MONEY! THATS WHAT I WANT YOU TO DO ABOUT IT! Then they proceeded to tell me, well I can only refund XXXX XXXX time only! Well I am sorry but this wasnt my fault. This has happened more than XXXX. I do remember getting a refund XXXX time. I dont fell like they should charge overdraft fees for every charge that is pending just the charges that you dont have enough money to cover.I have been with regions for a while now. I dont know how many times this has happened but I do know that this is the last time it was a large amount out overdraft charges at once. As you can see on the photo I had attached I had enough money in my account to cover all charges but the last one. So I feel like I should have only be charged XXXX fee. Instead of XXXX. This caused me to get farther behind on my bills and caused me a lot of stress. I am sure they owe me way more then that from over the years but I dont know how to go back and look it up.
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: 2022-10-11
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I recently read the article about Regions over charging the overdraft fees and having to refund many customers. I was affected by this and feel I should receive a refund. I banked with regions from XX/XX/XXXX until around XX/XX/XXXX and had multiple problems in that time frame. Im a single parent and have been put in many bad situations because of regions. I liked the bank which is why I stayed so long but I had to close my account and move on. Any other steps needed to complete so that I can receive funds? Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35401
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-09
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Today XX/XX/2022 at XXXX, I was sitting at home when I suddenly received text notifications for transactions I did not authorize. My physical card was in my drawer and not lost or stolen. I believe my account was hacked and the money I had worked hard for in an week was stolen in a matter of minutes! I called XXXX company immediately & reported the unrecognized transactions. They advised I wait 7 days for the transactions to be posted so that I can file a dispute. Then they said I would have to wait an additional 21 business days so that they can conduct an investigation. I feel very cheated by the way this company is handling this matter. I worked very hard for that money and life is already hard enough. This was not my fault because my card was in my house while this occurred. Its obviously a fraudulent activity and XXXX should be dealing with these types of scams immediately not weeks after the incident! My money shouldnt have been at any risk and I as a customer trusted this company with my money. They at least owe me the urgency to investigate my issue immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2022-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/2022 I made deposit of {$300.00} and my account balance were {$25.00}. My cash deposit was not received to my account and I had to file dispute. At XXXX XXXX Regions bank. Now I have to overdraft my account to pay stuff. On the banks fault. I am out of town homeless because of this! I had a new deposit XX/XX/2022 of {$360.00}. My account was overdrawn XXXX because my deposit was not cleared this lead me to lose {$230.00} and had {$120.00} available when Im suppose to have {$660.00} from my {$300.00} deposit and {$360.00} deposit. I had more deposits as well to pay my rent! They taking my money because Im paying back overdraft when I never was overdraft! Now my account $ XXXX. And they said when credit come I will have {$0.00} available! When Im suppose to have {$400.00} because Im usin money thats suppose to be mine I should not have to pay the {$360.00} and loose my money!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 372XX
Submitted Via: Web
Date Sent: 2022-10-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Pending transactions were debited from the account prior to direct deposits being applied. Multiple transactions lead to multiple fees at once.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35022
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: No actions have been taken. I have been an employee for 21 years, I am being charged for my checking and savings account. I have been charged an {$8.00} fee for at least 20 years on both accounts. I started uploading docs but it is just too much. Please review your records.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am charged {$8.00}, every 7 days if I do not use my card within this time frame! This is absurd! I dont make purchases weekly, where this particular account is used.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 361XX
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A