Date Received: 2022-10-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited my payroll check on XX/XX/23 at a local Regions ATM. My account was opened that same week with them. I got an email receipt of my deposit but the funds have yet to be credited to my account. They had me to open a dispute and said I have to wait 10 business days, I have been to 2 branches and had several conversations to no avail. Meanwhile my bills go unpaid while they have access to my money and they dont care
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30134
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Asked for assistance in recouping a payment that was a result of a transaction with a company that turned out to be fraudulent. They said they were unable to assist.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37211
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I submitted the following claims to Regions Bank, XXXX. on a VISA Business Debit Card last fouXXXX ( 4 ) digits ending... XXXX ( " Card '' ) issued by Regions on business checking account held by XXXX XXXX, XXXX. Consumer submitted Two ( 2 ) claims for unauthorized charges/fraudulent transactions on the Card ( ending # ... XXXX ). On XX/XX/2022 Consumer submitted a Claim for Ninety ( 90 ) transactions totaling {$12000.00} that had posted between XX/XX/2022 and XX/XX/2022 ( the " XX/XX/2022 Claim '' ). On XX/XX/2022 Consumer submitted a Claim for six ( 6 ) transactions totaling {$870.00} that posted between XX/XX/2022 and XX/XX/2022 ( the " XX/XX/2022 Claim '' ). On XX/XX/2022 Regions provided credit for the smaller XX/XX/2022 Claim ( pursuant to Reg E - per Regions Bank Bank Statement citation ) but Regions refuses to refund the larger XX/XX/2022 Claim. The facts and circumstances of the XX/XX/2022 Claim and the XX/XX/2022 Claim are essentially identical except for the dates, amounts and locations involved. Consumer is a XXXX, XXXX to a XXXX and is unable XXXXo drive an automobile. He is unable XXXX XXXX to any of the locations where the unauthorized charges took place. A police report was filed and the investigation is on-going with the XXXX XXXX Sheriff OfficeXXXX Regions Bank documents in my possession evidence and specifically reference person of interest-Jacquline XXXX. VISA Business Debit Card Agreement provides for Zero Liability but Regions has not provided the " VISA Reference Number '' whereby they forward the Claim to VISA for review under their " Zero Liability Policy ''. Actively communicating with VISA in this regard. Requesting CFPB investigate this matter and that Regions Bank be required to refund the total amount of the XX/XX/2022 Claim to my bank account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 656XX
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: There is complaints from me to ya about the regions bank XXXX XXXX XXXX and the redress act that I should have been compensated for in 2013 when I filled the complaints, it envoles regions back giving me the advice to open up as, any account as I can separate each with XXXX XXXX XXXXXXXX dollars and I did just that and a few months later I was receiving insaficiant funds and over draft fees, i had everything taken from, m me XXXX XXXX XXXX dollars is a lot of money to just let b taken and not fight for, I c where regions was made pay consumers back for every thing I proved they did to me but I haven't received my money. This happens in XXXX XXXX Arkansas in 2013 and it involves XXXX XXXX XXXX dollars and me only being issued a now card. When this happened to me my whole identity was taken from me n till this very day I can't get in to anything that is mine due to it being changed and just messed with. I don't like doing any of this on line because I can't trustit, I would rather talk in person not the phone but in person r by mail till this can get resolved. I was told I would live off the intrrset if I opened up 6 accounts each with XXXX XXXX XXXXXXXX, I want to get my response from my complaint in 2013.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72204
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have contacted Regions several times regarding the removal of PMI from my mortgage. Originally they told me after my Loan to Value reached 80 % or less, they would be able to remove PMI after 1 year from my loan origination. When I contacted them at my 1 year anniversary, they said that due to the pandemic, that the LTV requirement was reduced to 75 % or after 2 years since origination for 80 %. After my second year anniversary from origination, I called XX/XX/XXXX to prepare for my 2 year anniversary on XX/XX/XXXX. They then notified my that it was not the anniversary of the loan origination but from the date the first payment was made which was XX/XX/XXXX. When I called on XX/XX/XXXX, they told me that XXXX XXXX had valued my house so low that my loan to value is 98 %. They refused to give me any information on the value, how it was obtained or what it is based on. This is highly unethical as their information disputes all past and current valuations. Furthermore, they are charging {$150.00} to order a new appraisal. It would suit Regions to make it as difficult as possible to remove PMI as those payments go directly to their profits. They referred me to XXXX XXXX 's website for their guidelines but there are no guidelines I could find and no sources of their valuation. They then referred me to my original loan documents which would also not provide me with any information on their sources of valuation. Ultimately, they are not providing transparent process and information regarding my loan and creating barriers to removing unjustly fees that are no longer warranted. The representative I spoke with is named XXXX and he would not disclose the supervisor in which he consulted for his final answer. I suggest a deeper internal investigation as I suspect several consumers are facing the same unethical obstacles to retain fee profits.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30062
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: It is a CONDATA PAYMENT SOLUTIONS card provided by XXXX XXXX XXXX. The paperwork it came with, stating " LIST OF ALLFEES '' is incorrect. It states : " Bank teller withdrawal ( for banks participating in the XXXX XXXX ) fee = {$0.00} '' I tried, it was denied by COMDATA. I called COMDATA and was told my card was not eligible for that feature. But it is on the document provided in a sealed envelope stating as such.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73135
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Fees There were fees for everything! I had my account for over 20 years with Regions. Then all these fees started, for everything from not enough money in my account, to direct deposit, I had to have my check direct deposit to avoid these fees! Then they started a fee of {$5.00} for everything! Every month I was calling about the {$5.00} they had changed me for no direct deposit!!! My check went in every month I got it! This is Regions Bank!!! I no longer have them because they continued to take {$5.00} every month for ( XXXX ), no direct deposit!!!! Now that is what they said! I got fed up because I had to call every time I got my bank statement!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 728XX
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I applied for covid mortgage assistance in XX/XX/2021. I was approved in XX/XX/2021. I signed papers with XXXX for their assistance. They took too long to pay it out and the quote went stale. They then asked Regions mortgage to resend the new amounts and how much is due on my account. Regions has told me over and over again that they have submitted this information and XXXX has continued to say that regions has not provided this information. I am a XXXX XXXX and lost my employment. I just need help getting my lender to do what needs done so that I can receive the assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 469XX
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-01
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Numerous unnecessary overdraft fees, from XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-01
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: Dear Regions, I have been a customer now for two years leading into three. My account has been affected in overdraft charge fees for XXXX. Ive had to call multiple times in order to understand the reason for those charges. I am a fan of Regions, however, I have thought about leaving and going to another bank because of this same reason. Ive had to change stipulations on my account and became upset with Regions employees because of charges made on my account. I had no idea that top Regions officers were making those illegal charges to accounts and my account just so happened to the affected by it. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2022-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A