Date Received: 2024-01-05
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: In XXXX 2023 received an unsolicited credit card offer to open an account with Regions ( regions.com/preselectcash use promo code XXXX ). The solicitation simply states, '' Get a {$250.00} Cash Rewards bonus when you spend {$1000.00}. in the first 90 days '' Per their promotion there were no other stipulations to receive this reward. The credit card was approved and issued on XXXX XXXX in my name, card # XXXX XXXX XXXX XXXX. Per the promotion and within 60 days I charged in excess of {$1500.00}. to this card and have since paid all charges owing them in full. All paid on or before the due date. I want the {$250.00}. bonus credited to my account to offset future charges. Today I called their customer service number XXXX XXXX XXXX XXXX and spoke with an agent explaining i wanted the {$250.00}. reward added to my card. He verified I had met the {$1000.00}. charge requirement but said 90 days have to expire before the reward is credit to my account. Just by chance the 90 day requirement he referenced was satisfied today! Pointing this out to him he then said regardless of that at least two more statement cycles must expire before they would credit the account the {$250.00}. He furthur stated there were no exceptions to this even though I pointed out to him the promotion mentioned no such thing. He said he would open a complaint on my behalf.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75044
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Social Security sent my deposit to Regions Bank on or around the XXXX of the month before I was to get it on the XXXX. Regions Bank gained interest on my XXXX check before giving it to me. I signed an agreement with them to get my deposit when they received it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62703
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: My best friend XXXX XXXX transfer to me XXXX us $ from his regions bank account ending on XXXX to my regions bank account ending on XXXX at the day XXXX, the both account was blocked and i can use my funds, and customer service said that they have to check the transactions and we also verified all the movements buy they dont want to release the funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33130
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: They have charged me 3 times for one transaction at ATM multiple times, they charged me XXXX in international charged for a company based out of new hampshire. I paid off a loan that took out a payment I did not authorize the amount or transaction.i was at a XXXX balance and they paid it anyway causing over draft fees and are threatening me to cover the charge or they will add more fees and take legal action. I tried disputing a few items on my account that wasn't authorized and they said not there problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37323
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX XXXX XXXX I made a mobile deposit of {$4000.00} into my wifes and I savings account. I was notified that there was a hold placed on the account until XXXX. On XXXX I was then notified that the savings account had been restricted due to it being suspicious, irregular, fraudulent, unauthorized or unlawful. I then called and was told to visit a branch. I spoke with the branch and was told to sit tight and it should be resolved on its own, like a deposit hold, the fraud dept restricts the account. The branch did nothing further. I also verified that the check cleared from the bank. I believe Regions is accusing me of fraud and wont let me access my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46112
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I received a fraud alert from Regions regarding a debit to my account from XXXX XXXX. I promptly responded to the alert, informing Regions that it was fraudulent as I do not use XXXX XXXX for any reason. The alert successfully prevented six charges from being processed, but unfortunately, three charges did go through and were posted to my account. I disputed these charges with Regions, but XXXX XXXX responded stating that the charges were valid, despite my inability to access the account. XXXX XXXX charged my account three times for a total amount of {$43.00}. Additionally, there were other charges posted to my account prior to these that I do not recognize. The company responsible for the purchases is based in XXXX. As of now, I have not reached a resolution, and I have filed a police report, although I am unsure of its effectiveness.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35244
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I've had alit of money stolen from me from beginning dates XXXX though XXXX I was incarcerated from XXXX to XXXX someone left a gap then stole some while I was not paying attention to my account I never received alit of my social security payments. I've been going through this a long time these transaction id # are not correct and I've been scammed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35810
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-30
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: ON TODAY XX/XX/XXXX I TRIED TO OPEN TO BANK ONLINE WITH REGIONS BANK AND XXXX XXXX AND XXXX XXXX, I WAS DENIED FOR THE ACCOUNTS, BUT I DONT HAVE ANYTHING IN XXXX XXXX AFTER PULLING THE REPORTS, PLEASE HELP ME.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29154
Submitted Via: Web
Date Sent: 2023-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Complaint Regarding Overdraft Fees Despite Adequate Funds and Within Stated Timeframe I am writing to file a formal complaint against Regions Bank for what I believe to be unfair overdraft practices. Despite my efforts to maintain a positive balance, I have been repeatedly charged overdraft fees under circumstances that seem inconsistent with the bank 's stated policies. On multiple occasions, I have deposited funds into my account several hours before the XXXX XXXX deadline set by Regions Bank to cover any negative balance and avoid overdraft fees. For instance, a deposit was made and timestamped at XXXX XXXX ( XXXX XXXX ), well within the time frame provided by the bank. However, I found that I was still charged an overdraft fee the following day. The bank 's explanation was that the deposit did not post until the next morning, contradicting the timestamp shown on my account. This has been a recurring issue, and despite my attempts to resolve this with the bank, the situation persists. I am concerned that this practice may not align with the regulations that govern fair and transparent banking practices. Here are the details regarding the most recent incident : - **Date of Deposit** : [ XX/XX/2023 ] - **Timestamp of Deposit on Account** : XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX ] - **Overdraft Fee Charged** : [ {$100.00} ] - **Statement from Bank Regarding Overdraft Grace Period** : The bank 's policy states that I have until XXXX XXXX XXXX XXXX the following business day to cover any shortfall. This issue has placed a significant financial strain on me, especially as someone with limited financial resources. Regions Bank 's history of fines and regulatory action for similar practices heightens my concern. I am seeking a thorough investigation into these charges and a clear explanation from Regions Bank. I believe the overdraft fees charged are not in line with the bank 's policies as I understand them or the regulations set forth to protect consumers. I request that the CFPB look into this matter and ensure that any unfair fees are refunded, and that the bank 's practices are reviewed for compliance with applicable laws and regulations. Attached are screenshots of the most recent incident but I stress that this is a repeating problem, no matter how early the deposit is made. Contacting support states they have no control over things until the overdraft posts and they state they can not see the time stamps. Thank you for your attention to this matter. -- -
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: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I walk into the bank ready to open for my XXXX got all them got all the way through the process and then the gentleman says up no I can't do it and hands me a piece of paper with the name XXXX XXXX and told me to contact them and that's the reason why I can't get open up an account he wouldn't tell me what it was
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37917
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A