Date Received: 2022-09-21
Issue: Problem with customer service
Subissue:
Consumer Complaint: Hey I received my taxes income check on XX/XX/22. And I also tried to cash it at Regions banks the same day. I gave it to one of the bank tellers XXXX. And she verified my check by going on the website that is on the check. But she wouldn't cash it and never gave me an explanation and was rude when I asked why. But since Regions already verified the check and the 1 time code was already sent out Now I can't cash my check anywhere because the one time code was used by Regions to verify it. If you can please respond quickly I would appreciate it this is going to cause a lot of pain and suffering for my family if I don't get my tax income check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 71220
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: A regions bank employee, XXXX XXXX participated as an accessory to commit felony Larceny. I was defrauded out of XXXX XXXX dollars. Her supervisor is also helping to cover up this crime. She works at the XXXXXXXX XXXX XXXX in XXXXXXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: My credit cards ending in XXXX and XXXX was compromised somehow and multiple charges were made without my knowledge or consent. I did have the card in my possession but did not make any charges. I did not know my card was being used until I got and alert from Regions fraud department. Here are some of the fraudulent charges listed below. XXXX XXXX XXXX XX/XX/2022 {$51.00} XXXX XXXX XXXX XX/XX/2022 {$47.00} XXXX XXXX XXXX XX/XX/2022 {$46.00} XXXX XXXX XXXXXX/XX/2022 {$170.00} XXXX XXXXXX/XX/2022 {$110.00} XXXX Outlet XX/XX/2022 {$65.00} XXXX XXXX XXXX XX/XX/2022 {$26.00} XXXX XXXX XXXX XXXX XX/XX/2022 {$24.00} XXXX XXXX XXXX XXXX XX/XX/2022 {$95.00} XXXX XXXX XXXX XXXX XX/XX/2022 {$28.00} XXXX XXXX XXXX XXXX XX/XX/2022 {$48.00} XXXX XXXX XXXX XXXX XX/XX/2022 {$14.00} XXXX XXXX XXXX XXXX XX/XX/2022 {$48.00} XXXX XXXX XXXX XX/XX/2022 {$11.00} XXXX XXXX XXXX XXXX XX/XX/2022 {$29.00} Multiple XXXX XXXX XXXX charges totaling {$430.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 {$68.00} XXXX XXXX XXXX XX/XX/2022 {$43.00} XXXX XX/XX/2022 {$89.00} XXXX XXXXXX/XX/2022 {$95.00} XXXX XX/XX/2022 {$50.00} XXXX XXXXXX/XX/2022 {$180.00} XXXX XXXX XXXX XXXXXX/XX/2022 {$25.00} XXXX XXXX XXXXXX/XX/2022 {$83.00} XXXX XXXX XXXXXX/XX/2022 {$83.00} XXXX XXXX XXXXXX/XX/2022 {$66.00} XXXX XXXX XX/XX/2022 {$66.00} XXXX XXXX XXXXXX/XX/2022 {$67.00} XXXX XXXX XXXXXX/XX/XXXX {$59.00} XXXX XXXX XXXXXX/XX/2022 {$59.00} XXXX XXXX XXXXXX/XX/2022 {$48.00} XXXX XXXX XXXX XX/XX/2022 {$29.00} XXXX XXXX XXXXXX/XX/2022 {$52.00} XXXX XXXX XXXXXXXX XX/XX/2022 {$28.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$82.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38654
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Credit fraud on the following accounts : XXXX XXXX {$550.00} acct # XXXX XXXX XXXX {$550.00} acct # XXXX XXXX XXXXXXXX {$410.00} acct # XXXX XXXX XXXX {$420.00} acct # XXXX XXXX XXXX XXXX {$1800.00} acct # XXXX XXXX XXXX XXXX {$300.00} acct # XXXX The following laws have been violated : 15 U.S. Code 1692e 15 U.S. Code 1692f My identity theft ( idtheft.gov ) reference # is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75010
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I started to close my Regions credit and checking accounts in XX/XX/2022. I had several issues with Regions bank ( not documented here ) pertaining to inability to transfer outside bank funds on an Autopay schedule for credit card payments ; I was told by an initial phone representative that this was not possible, and was moving to California and needed to close my checking, primary savings, and credit card accounts seeing as I would no longer be able to easily deposit or move funds to keep these accounts active. To the best of my recollection, I contacted them approximately six times to try to accomplish these : 1 ) Attempted on the phone and was told that I needed to visit a branch to close the checking account. Created a request to close the credit card account and was told it would be processed or I would be contacted 2 ) Visited a branch, where it was confirmed that my initial concerns about Regions bank and its credit card partner were confirmed by the bank manager and I received my funds. 3 ) Attempted to close credit card with Regions Greenline customer service, as I received another bill 4 ) Attempted to close credit card with Regions Greenline, as I received another bill. Recurring charges accumulated on the card. As I had closed the account, I expected these types of bills to come due from the merchants ( much as if I had canceled a credit card if it was lost or stolen and the number became inactive ), not for Regions to continue operating an account I had asked them to close several times and had been assured would be processed on these phone calls. 5 and 6 ) Contacted by Regions customer service twice to attempt to collect fees and charges that had accrued due to their incompetence in closing my account. In summary Regions bank Customer Service and its local employees in XXXX XXXX, FL made multiple misstatements, false claims, and attempts to collect a debt which it generated under my name due to its own incompetence deserves thorough investigation so that future consumers are not impacted by its problems. I am sad to see Regions bank struggling with these issues as I was a loyal customer for many years and it was my first bank. I simply wanted to amicably close my accounts and am so disappointed to see how poorly this entire process was conducted. I hope the CFPB can review the calls and conversations where available to determine what went wrong.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94115
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: did not authorize this credit inquiry
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08016
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-16
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: We received a loan in 2019 through a company to replace our XXXX and was told the loan was for 7 years. And the loan was for $ XXXX they are now telling me that the loan term is for 10 years and since 2019 we still owe {$6100.00} dollars in the loan they are ripping us off
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76013
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-16
Issue: Problem when making payments
Subissue:
Consumer Complaint: At the beginning of summer, our air conditioning and furnace stopped working properly. I contacted a local HVAC business and had them all replaced. To afford this, I had to take out a loan. The loaner is named EnerBankUSA. It took a couple of months, but I realized that some thing was amiss. The company sent me two ( 2 ) bills, and on each, the statement issue date was six ( 6 ) days AFTER the due date. On the XXXX bill the statement issue date was XX/XX/XXXX but the due date was XX/XX/XXXX. For XXXX the issue date was XX/XX/XXXX while the due date was XX/XX/XXXX. Consequently, both months I was required to pay a bill that was doubled up from {$150.00} to {$300.00}. The bill clearly states that I have ten ( 10 ) days to pay the bill after the due date, however it is impossible to pay a bill within ten days when it is issued six days AFTER the due date. I had concerns about this and tried to contact the loaner to address them. On XX/XX/XXXX at approximately XXXX XXXX XXXX, I attempted to call EnerBankUSA to address my concerns. The automated voice said that I had a 15 minute wait.EnerBandUSA customer service ends at XXXX XXXX At XXXXXXXX XXXX I hung up as I realized my call would not be answered at that point. At approximately XXXX XXXX. XXXX on XX/XX/XXXX I attempted to make contact via phone once again. The automated voice informed me that my wait time was 20 minutes. At approximately XXXX I a representative picked up and asked me hoe they could help. At the end of my explanation, the phone suddenly cut out. I suspect that they actually hung up on me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47408
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Other transaction problem
Subissue:
Consumer Complaint: Account was hacked and login information including address changed so that thieves could have physical debit card mailed to their address. I was not notified in any way that information had been changed from the bank. I opened new account and transferred money into new account and froze the account that had been hacked. Within one week of new account opened and absolutely no online transactions banking authorized {$10000.00} was transferred from my new account back into the old account that I had frozen. The Bank refuses to or denies any capabilities to find out who where or what made that transfer from the new account in which no online banking was authorized and account was supposedly locked for anyone including myself to do so without personally going into the bank and showing proper ID. I now have around {$11000.00} floating around at bank supposedly frozen that I am being told I have to wait for. The Bank could not even tell me how long I am going to have to wait for it to clear and them be able to refund my money and permanently close all of my accounts with the bank. I am not being forced to employ credit ID fraud company to monitor my accounts in an attempt to protect my ID and information from whomever is attempting to defraud my identity. The Bank is absolutely zero help and no one is reporting to authorities or police. I am personally reporting all the information to the cfpb and FBI. How can a Bank not have the ability to trace where a {$10000.00} transfer originated? The bank employees only used a simple chat room to attempt to answer my questions. No one was trained or had ability to deal with fraud or properly go through account information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 378XX
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Debit card for Regions bank account stopped functioning in readers around XX/XX/XXXX. When I went online to request a new card, I discovered the address was outdated and I had to update it. Customer service advised me that updating an address blocked me from requesting a replacement card for at least one week. Efforts to move money from Regions account to an external bank account associated with the same SSN were not successful. It appears Regions was also not able to complete those transactions. This blocked another option for accessing my funds. XX/XX/XXXX I requested a new card through the usual online process. According to customer service, card was mailed out on XX/XX/XXXX. On XX/XX/XXXX I discovered that Regions has separate address lines for each account, and I had only changed the address for the " global '' settings. I contacted customer service to make sure the card was sent to the correct address and customer service verified the address line by line. I was advised to be patient for the card to arrived. On XX/XX/XXXX I contacted customer service when no card had arrived. Customer service asked me to verify the address ( same one as was verified by them on XX/XX/XXXX ) and when I did that, they informed me the address had most likely been misprinted, making the replacement card undeliverable. They advised I call a phone number to get an expedited replacement. Any efforts to contact Regions by phone have only resulted in getting stuck in a voice memo system. I returned to customer chat. They informed me they would charge me {$25.00} for an expedited replacement, even though the error was completely on them. When I persisted in saying I would not accept those charges and still expected a replacement card in a timely manner, they suggested I was to blame because of the address change a week prior to my request. When I presented them with evidence that they told me they sent it to the right address on a chat on XX/XX/XXXX, then told me they misprinted it on XXXX, they went back to telling me they were obligated to charge me to expedite my card. We have gone a month without debit card access to our account funds. While we can move some money digitally, Regions has greatly restricted our access to our own money by their own poor customer service. We have to pay some expenses with cash or a bank-linked card, which we were using the debit card to pay. With that option unavailable, I have had to pay {$20.00} in transaction fees through this bank ( so far ) in order to move our cash to places that we can access it. I should not have to pay money to access my money, nor should I have to pay a bank extra fees for them to fix their own mistake.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98117
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A