Date Received: 2022-09-28
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I deposited {$30000.00} in a new checking account for my daughter 's wedding. Plans changed and when I went to close it after 5 months they said there would be a {$50.00} close fee. They also said there would be a {$25.00} fee for a cashiers check. this made me mad so I said ok just give it to me in cash. they said they did not have enough cash and I would need to call and arrange for the cash. I do not believe either fee is appropriate especailly since they had my $ XXXX for over 5 months nd never told me about either
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On the Regions ATM machines, they claim to accept XXXX bills at a time. I confidently put my XXXX XXXX dollar bills that we had just received from selling our car to deposit into our checking account to pay off a card. The machine took my money, returned my card and issued me a receipt saying that There was an issue returning my cash and for me to contact my financial institution immediately. I did not move. I called the bank from there and even inserted my debit card again to assure myself that the deposit and withdrawing options were unavailable, which they were. I attempted with two cards. The bank opened a claim and told me it could be up to 10 days. I called a few times and they continued to tell me it hadnt been 10 days. The 10th day came and went. I called and they had closed my claim saying there was no merit in depositing the money in the clients account. I told them they were robbing me and calling me a liar. They reopened the case using the picture of the receipt that the atm gave me. I reminded them that there are cameras and that I inserted my other cards. They were able to see my other actions and the error of the atm. I am still waiting to he contacted and for my money. They are thieves and treat their customers like liars
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35160
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I switched from Regions bank in 2021 because their overdraft fees was rediculous and overdrafts was shady like one month it would only let me overdraft by atm, the next it would only approve in store transactions, sometimes it would only approve certain transactions such as phone bill water bill. It made no sense.They charged me {$1200.00} overdraft so I switched banks and have had no problems since.
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: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
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: To whom it may concern, I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now affecting my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who opened the account in my name and give those details to them rather than me. Kindly help me in solving this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30339
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: There are 2 issues that I have discovered. Issue # XXXX. I did 3 internal transfers from one account to another for a large enough amount to cover charges that were made that day. At least 2, if not all 3 of the transfers were done before their XXXXXXXX XXXX cutoff. The first 2 were enough to cover all pending charges. The third was just to add a " padding '' until a regular deposit would be made on the next day. The next day, I saw 2 overdraft fees had been charged even though the balance was more than enough to cover all the transactions and the 3 transfers made the day before had posted that same night, proving they were made before the XXXXXXXX XXXX cutoff. When I contacted the bank, I was told that those last 2 charges were made when there were not enough funds in the account to cover them and that's why the overdraft was charged, that they were " pending '' and there were insufficient funds, so the overdraft fees were charged. I questioned them and advised that ( XXXX ) they can not charge overdraft charges on an amount that has not actually posted, and ( XXXX ) due to the internal transfers, that were also pending, and posted the same night, there were enough funds to cover the transactions. After dealing with 3 reps and 2 supervisors, I FINALLY got my XXXX refunded. The first 2 reps and supervisor could not ( would not ) get that what happened was wrong. Issue # XXXX - There was no overdraft based on my own charges. What cleared the night of the XXXX left me with a positive balance. Yes, there were pending transactions, but again, they were PENDING. They charged a {$36.00} overdraft fee when the balance in the account was positive and THEY caused it to go into overdraft with their fee. When I questioned it, they wouldn't even entertain refunding that to me as well. I have NO clue why, other than they were trying to charge a fee due to a pending transaction that ended up not even posting until the NEXT night.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39157
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-24
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I am a XXXX XXXX for a small Subchapter S corporation. We have three accounts with Regions Bank. There have been an attempt to defraud the account which the Bank successfully blocked, however since the last 4 days beginning from XX/XX/2022 and running, my and the company 's CEO 's access has been blocked on line. I can not get any information through the Bank 's call center as to what I need to do to fix this situation. I have made three trips to my local branch attempting to restore my access to the money. I was told by the Branch Manager, XXXX XXXX, at my local branch of Regions Bank located at XXXX XXXX XXXX XXXX XXXX that the access has been restored to all accounts and provided with the reset information, all to no avail. My access was blocked. My ability to meet company payroll obligations are in peril because of my inability to access the accounts. I tried to do a transfer from the company 's main account to the payroll designated account, yet despite assurances that all is restored, I was blocked from doing interaccount transfer which will result in overdraft fee due to schedule federal quarterly employment tax obligations, as well is the state, not mentioning other company bills and obligations. All my pleas with the Regions are met with indifference and lack of ergency. The Bank Fraud Department refuse to provide any information in writing or orally, and keeps sending me to my local branch.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 71106
Submitted Via: Web
Date Sent: 2022-09-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-24
Issue: Problem when making payments
Subissue:
Consumer Complaint: I currently have an account with Regions XXXXEnerbank at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX I did not receive my XXXX statement, then in XXXX when I received my statement it stated : statement date XX/XX/XXXX, and payment due date XX/XX/XXXX, making the payment due date before the statement date, this has been the issues since XXXX of XXXX. Before the problem occurred, I only had one late payment from XXXX, XXXX to XX/XX/XXXX. I had several conversations with Enerbank employees concerning the issue with no resolution. In XXXX I filed a complaint with The XXXX case # XXXX and in XX/XX/XXXX my statements were corrected to Statement date XX/XX/XXXX, and Payment Due date XX/XX/XXXX. Then again in XXXX my statements were incorrect with the statement date being XXXX, XXXX and payment due date XX/XX/XXXX. Since the change in the statement date and payment due date I have incurred multiple late fees. According to their contract if my payment is due XX/XX/XXXX I have a ten-day grace period, I should not be charge any late fees until XX/XX/XXXX, however if my payment due date is XX/XX/XXXX my payment is due XX/XX/XXXX and adding the grace period my payment would be XX/XX/XXXX shorting me of 10 days for my payment to be on time which might contribute to the late fees added to my account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2022-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act Regions Bank Account # XXXX, has 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Other statutes are 15 USC 1681a 2 ( A ) ( i ) subject to 1681s-3 The law clearly states : Transactions between the consumer ( ME ) and the person ( YOU ) Regions Bank making the report is NOT INCLUDED on my credit report. A late payment is a transactional history ; my history with your company. Congress clearly states that the reporting of transactions or experiences between the consumer ( ME ) and the person ( YOU/Regions Bank ) making the report is NOT INCLUDED on the consumer report. Regions Bank has violated the FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience on my consumer credit report which Congress clearly states IS NOT included on my consumer reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76063
Submitted Via: Web
Date Sent: 2022-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act Regions Bank Account # XXXX, has 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Other statutes are 15 USC 1681a 2 ( A ) ( i ) subject to 1681s-3 The law clearly states : Transactions between the consumer ( ME ) and the person ( YOU ) Regions Bank making the report is NOT INCLUDED on my credit report. A late payment is a transactional history ; my history with your company. Congress clearly states that the reporting of transactions or experiences between the consumer ( ME ) and the person ( YOU/Regions Bank ) making the report is NOT INCLUDED on the consumer report. Regions Bank has violated the FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience on my consumer credit report which Congress clearly states IS NOT included on my consumer reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76063
Submitted Via: Web
Date Sent: 2022-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a mortgage with Regions Mortgage. I wanted forced placed flood insurance because it was almost {$700.00} cheaper than what my policy was going to be. I got XXXX notices that this would happen if they did not receive my flood insurance from the current insurance company. I called Regions customer service on XX/XX/30 talked with " XXXX '' and he said he would make a notation in the system about this and for them to use the forced placed insurance of {$220.00} ( shown on form sent to me by Regions ). I had just recently did this on another property we own with forced placed since it was so much cheaper with no issues. Got a letter on XXXX stating they paid the other policy. I can not cancel it per FEMA guidelines unless I have another policy to show it is in force, which Regions say they can not do. I talked with XXXX XXXX (? ) and left numerous messages and he finally called me back. He got XXXX XXXX involved and said at this point there was nothing they could do and they apologized for the person not notating it correctly in their system. I have asked for this to be escalated further as this is costing me an extra {$700.00} this year.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39402
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A