Date Received: 2022-08-04
Issue: Confusing or misleading advertising or marketing
Subissue:
Consumer Complaint: TO WHOM IT MAY CONCERN : RE : REGIONS BANK, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX GOOD DAY : THIS IS IN REFERENCE TO AN ERROR THAT OCCURRED BY THE BANK EMPLOYEE -- NOW TURNING INTO A DISCRIMINATORY EVENT AT THE END OF XXXX THIS YEAR ( XXXX ) MY HUSBAND WENT INTO REGIONS BANK ( WHERE OUR SAFE DEPOSIT BOX IS ) AND RETRIEVED FOUR ( 4 ) US GOVERNMENT EE SAVINGS BONDS TO REDEEM AT THE BANK. HE SAT DOWN WITH A CSR AND INFORMED THE REPRESENTATIVE THAT HE WISHED TO CASH THESE BONDS, WHICH WERE PASSED THE MATURITY DATE. THE REP. TOOK THE BONDS FROM MY HUSBAND AND PROCEEDED TO " STAMP '' THE BONDS ( TWO 2 OF THEM -- THEN SHE ASKED MY HUSBAND " DO YOU HAVE AN ACCOUNT HERE? '' MY HUSBAND POLITELY REPLIED, NO WE DID NOT HAVE AN ACCOUNT THERE, ONLY A SAFE DEPOSIT BOX. SHE THEN HANDED HIM BACK THE TWO ( 2 ) BONDS TELLING HIM SHE WAS UNABLE TO CASH THE BONDS BECAUSE HE DIDN'T HAVE AN ACCOUNT. MY HUSBAND OFFERED TO OPEN AN ACCOUNT RIGHT THEN AND THERE. SHE STILL REFUSED, ADVISING HIM THAT THE ACCOUNT HAS TO BE OPENED FOR A TOTAL OF SIX ( 6 ) MONTHS BEFORE SHE COULD CASH THEM. THEY " WALKED HIM TO THE DOOR '' AND ASKED HIM TO GO TO THE BANK WHERE WE DO BUSINESS. MY HUSBAND DROVE TO XXXX XXXX XXXX. HE SAT DOWN WITH THE XXXX AND GAVE HER THE BONDS TO REDEEM. SHE TOOK XXXX LOOK AT THE BONDS AND SAID SHE COULD NOT REDEEM THEM BECAUSE THEY WERE " STAMPED '' BY REGIONS BANK, AND ADVISED HIM TO GO BACK TO REGIONS FOR OUR PROCEEDS. SINCE " XXXX '' THE MANAGER OF REGIONS SAID THEY COULDN'T DO IT ... HE SIMPLY DID NOT RETURN TO REGIONS. UPON ARRIVING IN XXXX XXXX ON XX/XX/XXXX WE TOOK THE BONDS TO OUR CREDIT UNION HERE. WHEN MY HUSBAND WAS APPROACHED BY THE CSR HERE AT XXXX XXXX XXXX, THE FIRST QUESTION THAT SHE ASKED HIM WAS " DO YOU HAVE AN ACCOUNT HERE? '' HE REPLIED YES, SO SHE TOOK HIM INTO HER OFFICE. UPON EXAMINING THE BONDS, SHE BECAME AWARE THAT THESE BONDS WERE ALREADY " STAMPED '' BY ANOTHER INSTITUTION AND FOR US TO RETURN TO THE ORIGINAL BANK ( REGIONS ) WHO MADE THE ERROR. TODAY IS XX/XX/XXXX AND WE ARE STILL TRYING TO PURSUE THIS UNFORTUNATE EVENT. YESTERDAY, I REACHED BACK OUT TO XXXX ( XX/XX/XXXX ) MANAGER OF REGIONS BANK, WHERE WE INITIALLY TRIED TO REDEEM THE BONDS. I TOLD XXXX I WAS READY TO " OPEN AN ACCOUNT '' ONLINE, AND ASKED HIM HOW MUCH I HAD TO PUT INTO IT SO THAT I COULD CASH THE BONDS IN XX/XX/XXXX AT THEIR BANK. HE ADVISED ME {$300.00} FOR A NO FEE ACCOUNT IF WE MAINTAINED THE {$300.00} BALANCE EVERY MONTH. I ALSO INFORMED XXXX, THAT UPON REACHING OUT TO THE TREASURY DEPARTMENT FOR A RE-ISSUE OF THESE BONDS, THEY EXPLAINED TO US THAT THE TURN-AROUND TIME FOR THIS TRANSACTION IS 9 MONTHS TO 1 YEAR -- MAYBE LONGER -- THEY ARE THAT FAR BEHIND. NOT TO MENTION, THAT EVERY TIME WE'VE ATTEMPTED TO REACH OUT TO THE TREASURY DEPT. THE WAIT TIME, NO MATTER WHAT TIME WE CALL, IS AN AVERAGE OF TWO ( 2 ) HOURS BEFORE THEY ANSWER. YESTERDAY, XXXX INFORMED US THAT EVEN IF WE OPEN UP AN ACCOUNT... AND KEEP IT OPEN FOR SIX ( 6 ) MONTHS ... WHICH IS THEIR " SPECIFIC CRITERIA '' FOR REDEEMING BONDS, WE STILL WILL NOT BE ABLE TO REDEEM OUR BONDS AT THAT BANK. AGAIN, THAT IS EVEN THOUGH WE HAVE AN ACCOUNT FOR SIX MONTHS AT THEIR BANK, WHICH IS WHAT THEY REQUIRE ( THEIR SPECIFIC CRITERIA ) TO REDEEM GOVERNMENT BONDS. WE WERE WILLING TO DEPOSIT WHATEVER AMOUNT XXXX SAID HE NEEDED, WHETHER IT WAS {$30.00}, {$300.00}, {$3000.00} OR {$300000.00}. THIS IS, BY FAR, WITHOUT A DOUBT, DISCRIMINATION IN THE HIGHEST REGARD TOWARDS THE BOTH OF US. NO EXPLANATION WAS EVER GIVEN TO US AS TO WHY " WE '' COULDN'T REDEEM OUR SAVINGS BONDS THERE. WE ARE LAW ABIDING CITIZENS, RETIRED ; HAVE A CREDIT RATING IN THE 800 'S ... AND ARE NOT LOW-LIFES, OWN XXXX HOMES AND HAVE ACQUIRED A SUBSTANTIAL AMOUNT OF CURRENCY DURING OUR LIFETIME, & ARE COLLEGE GRADUATES WITH XXXX DEGREES BETWEEN THE XXXX OF US. WE BOTH HAVE A FEELING THAT THE MANAGER WILL NOT LET US IN THE BANK TO GAIN ACCESS TO OUR SAFE DEPOSIT BOX UPON RECEIPT OF THIS COMPLAINT. THIS BANK IS DISCRIMINATING AGAINST US.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 341XX
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-04
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a checking account on XX/XX/XXXX based on information received via direct mailing involving a promotion wherein I would be paid XXXX USD if I satisfied the conditions. The conditions were outlined indicating that I should meet direct deposit requirements, minimum balance, and keeping the account open for 90 days prior to getting the promotion. In addition, it states that I should not have had an account within the past 12 months. I contacted the company via website chat on XX/XX/XXXX with regards to the status of the promotion. They responded to me indicating that I should not have had a relationship with the bank prior to XX/XX/XXXX. The promotion mailer does not specify this criteria.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30097
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I deposited Regions Bank XXXX dollar between XX/XX/2022. I paid for a no overdraft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34609
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I opened a checking account online and deposited {$3000.00} with the pretense that I would receive {$300.00}. The checking account type was not available online so I picked the one that was available but since it is not the right one i will not receive the {$300.00} nor will they let me close the account because it needs to be open for 6 months. Secondly i can transfer money into their account but for me to transfer money out it will cost me {$3.00}. The advertising that they had was not clear and offering multiple checking accounts is deceptive especially when they steer you to one that is not part of the promotion.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76248
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: i have a SuperFleet Commercial card and the fees are outrageous. This has happened multiple times and it really should stop for the consumers. This card has transitioned to so many different credit companies over the past several years. I believe the creditor now is Comdata. I have had this card for my small business for ~20 years. A phone assisted payment is {$15.00}, the late fees are 11.25 % of the balance which for me equaled to a {$280.00} charged on XX/XX/XXXX.. I called the company to request a late fee refund, however was declined. I was late by 4 days, but that amount seems too excessive to not have the CFPB look into. My due date was XX/XX/XXXX and it was paid on XX/XX/XXXX. Please help stop this madness. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 41005
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I had an ACH deposit this morning for {$230.00} in my savings at regions bank. When I look on the mobile app it shows a balance of {$270.00} and when I call the banks automative line it says I have {$270.00} available. I went to transfer money from savings to checking to bring it to a positive but they turned off my ability to transfer. I contacted customer service ( first rep didnt provide her name ) and she was rude telling me there is not deposit and because I have no money in the savings, and because my checking is negative by {$37.00} they temporarily closed my account until a deposit is made. I did not give them permission to turn off my overdraft for one and they took my deposit because I show a deposit on my end. Ive worked with many banks and none have ever told me an ACH was not available the day it was posted because its guaranteed money. I feel they are committing fraud! I asked them to waive all fees because its out of my control and with the economy were living pay check to paycheck like the rest of the world. They wouldnt assist me and told me they would transfer me to a supervisor XXXX XXXX who advised me the same thing. I want my money today and I want all fees associated with my account refunded. I am the owner of the account and work hard for my money, and banks shouldnt be able to control peoples money like they do. The only reason my account went negative is because I accidentally transferred {$37.00} to the savings not realizing they disconnected the ability to transfer to and from savings. Then once I did that by mistake because their system is confusing they penalized me. Their transfer system is not user friendly and I feel bad for the elderly. In addition, I know banks have to at least release partial money and they wont even do that. I have four little kids and I cant even buy water for them ( so they have to drink out of the faucet where there are chemicals ) with my funds held up, that is not okay. Banks need to be more of consumer advocates instead of always making it hard for consumers to live as human beings. Especially with the economy and banks being XXXX dollar companies its narcissistic to not help the consumer. I just want my money and all fees given back for the emotional damage. If this route doesnt work then I will contact a consumer protection lawyer as a last resort and I will also contact the paper. Im so tired of banks and Im sure most of the world is tired of them as well unless they are rich, banks favor the rich.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My debit card information was compromised and reported on XXXX. I filed a Fraud claim for the charges made without my permission and Regions came back saying that after analysis, they find no evidence of fraud. They were the ones who alerted me of the fraud. How can they say they found fraud, followed by saying that there was no fraud? I am out {$680.00} because of transactions made in a state I have never even been to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34952
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I'm considering paying off one of my 2 credit cards. However, I was extremely dismayed to discover that Regions Bank, despite soliciting on the basis of interest rates, does not disclose the rates it charges on my credit card unless I agree to allow them to deny me access to a paper statement. In other words, those customers that object to only getting e-billing ( which I cancelled because it kept going to spam and/or otherwise arriving late ( resulting in Regions charging me late fees ). So, I can not make an informed decision about which credit card I should keep since I have no information to base my decision on, until I get next month 's statement, and even then, I have no way of knowing how the rates have compared to one another during the past months/years, since I am denied access to statements, again, unless I allow them to go back to sending me late statements so as to charge late fees, and spam me. I don't see how my choice to receive an actual bill, on time, ( which is my right ) should somehow impair my other rights, including knowing what interest rate they are charging me today. Please look into this and ensure that Regions doesn't pick/choose between what rights it complies with, and those that it chooses not to comply with.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28117
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: A roofing salesperson ran my credit report ( hard credit check ) through Enerbank without my written consent. Enerbank violated my FCRA rights by allowing a credit report to be pulled without verifying that I provided written consent. I complained to the company - who sent me a letter saying that the loan application was cancelled. I never applied for a loan. Enerbank who also used the name XXXX XXXX, pulled a credit report and opened a loan account without my consent. As a result, my credit score dropped - which will impact my ability to get credit or favorable pricing on future legitimate applications. This practice must be stopped.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11213
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Fraud or scam
Subissue:
Consumer Complaint: Getting married XX/XX/2022 at XXXX XXXX in XXXX, MI. Was working with my event planner at XXXX XXXX and discussing final payment of Venue. This was all done via email. Her email address is XXXX. I told her I would be sending a certified check. Later in the day, I received an email from what appeared to be her with wiring instructions. I didnt think this was odd as I wired my initial deposit to her. I went to bank the next day and made the final payment of {$39000.00}. XXXX mentioned no receipt of funds. When looking at things further the email that sent me wiring instructions was XXXX. The XXXX was from the hacker. Bad guy got my entire savings for wedding. And now Im scrambling to make sure I still can have a wedding.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48045
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A