Date Received: 2022-07-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check on XX/XX/2022. Check was for {$10000.00}. It was from a vehicle sale. It was deposited by a teller at the branch. I received an email and a letter in the mail stating the funds be available on XX/XX/2022. Well on XX/XX/2022 I received notification my account was locked out. I had to go to the branch. I did go in. Talked with a manager there, my account was locked out bc regions couldnt get in touch with XXXXXXXX XXXX to verify the account. The manager called XXXX XXXX and couldnt get anyone to help. We called the guy to get him to verify the funds, to no avail. So now Im sitting here with {$13000.00} in my account and I cant touch any of my money nor can I use my debit card. I called corporate office and all they say is I have to go back to the branch and let them handle it. They refused to allow me to speak to management or corporate office president. So now Im sitting here without a loaf of bread to feed my son! Nobody can help me. I have spent 6 hours in the phone or in the office trying to fix something XXXX shouldnt have to be doing. Its not my job to verify a check. Thats why I have a bank account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Fraud or scam
Subissue:
Consumer Complaint: Between XXXX & XX/XX/2022 someone hacked my bank account and used XXXX stealing XXXX dollars. Theye added them selves with a name of XXXX XXXX and it had an email address XXXX actually showing it going to a XXXX XXXX. None of these transactions were authorized by me I went to the bank and I disputed them and got a denial letter I already change my password and everything. According to the CF. Website As discussed in Electronic Fund Transfers Error Resolution : Unauthorized EFT Question 1, Regulation E defines an unauthorized EFT as a transfer from a consumers account initiated by a person other than the consumer without actual authority to initiate the transfer and from which the consumer receives no benefit. 12 CFR 1005.2 ( m ). When a consumers account access information is obtained from a third party through fraudulent means such as computer hacking, and a hacker uses that information to make an EFT from the consumers account, the transfer is an unauthorized EFT under Regulation E. This includes P2P payments. I attempted to contact the email address but no luck. I filed with the bank and they basically accused me of giving out my login information even though The branch XXXX and myself made it very clear that I didnt share with anybody. In fact I was asleep when this happened. I want my money back as that is my kids school supply and clothes money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 371XX
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2022, I was looking at ads on XXXX XXXX. I came across an ad for puppies that needed a home. I contacted the seller XXXX XXXX and was told the puppies were {$650.00}. That I should send a down payment of {$250.00}. She wanted it sent to XXXX. XXXX did not recognize that email so they changed to a friend. XXXX XXXX. Trustingly I sent money after asking for picture of my puppy and where they are located. They said XXXX and sent pictures that looked old. The next morning she texted and said she needed to pay the vet for DNA test, shots etc so puppy would be ready for on the XXXX of XXXX. Another {$250.00} sent to a XXXX on XXXX. XXXX originally sent it but then reversed the transaction. So XXXX asked me to send to same person on XXXX as before. Reluctantly I did. The next day she asked for {$150.00} for legal papers which after being fussed at I sent again to XXXX XXXX. The next message wanted {$230.00} for a kennel the vet required. Money would be refunded at pickup. I refused payment and was told I had hurt her feelings. She has now blocked me on XXXX. I called Regions and was told they have no dispute process and basically neither XXXX nor Regions Bank would help recover the money. I just wanted them to investigate it. They said they would but I doubt it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39042
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-24
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Regions sent me a mailer offering a {$300.00} bonus for opening a credit card and spending {$2000.00}. I tried to use the code, and it didn't work. I went into a branch, where branch manager XXXX XXXX told me that, despite it being almost an hour until the branch closed, with 3 other bankers and ZERO other customers in the bank other than myself, that no one could help me ( even though the mailer said to go to a bank ), that they didn't have enough time to open a credit card ( we had more than 45 minutes ), and said that I had to call the number on the card to be helped. I called the number on the card and was placed on hold multiple times before giving up after over an hour as it seemed the company had shut down because it was past XXXX. I tried again a few days later, and was put on hold multiple times before allegedly being allowed to apply for the card, even though I was preapproved and they ran my credit ( hurting my credit score ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77008
Submitted Via: Web
Date Sent: 2022-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The XXXX is XXXX The text : [ REGIONS ]. : Your Check-Card/Debit is bIocked, due to abnormaI behavior. Review at https : XXXX to resolve. Reply STOP=stop, HELP=help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38637
Submitted Via: Web
Date Sent: 2022-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-21
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: XXXX XXXX has not only committed fraudulent activity on my accounts but has closed out my account with the help of XXXX XXXX and racial bias. All I went into the branch in XXXX XXXX, TN to do was withdraw some of my hard-earned money from my business account. I stood in line and watched an older gentleman ( who did not look like me ), withdraw {$5000.00}. When my turn arrived, I approached the counter to withdraw {$7500.00}. I was denied by the teller saying he did not have that kind of cash. I then asked could I at least get {$5000.00}, which I just watched the older gentleman receive. I was denied the {$5000.00} as well. I then asked to speak to the manager. I was asked to wait a moment then directed to XXXX XXXX. XXXX XXXX was immediately hostile and unprofessional stating " I can't give you ANY money. '' When I asked why, she told me because they needed money for other customers since it was near check day. I asked for just the $ XXXX and was still denied. Instead, I was rudely and very hastily offered to close my account and give me a cashier 's check! ( Which would absolutely do nothing to help the situation. ) I told XXXX XXXX I was recording her response because it was XXXX motivated and unprofessional in all aspects. I also made clear that closing my account was not the option I expected a professional in charge of the care of my personal and business finances to offer so nastily. I was so hurt and disappointed by this encounter. I left the XXXX XXXX branch where XXXX XXXX works and drove 45 minutes to the next nearest branch which was in XXXX, TN and withdrew the money I needed with NO problems or prejudgment at all. This has really affected my relationship with Regions and definitely the XXXX XXXX branch. My account was closed by XXXX XXXX whom closed my account solely off XXXX XXXX 's word. He never talked to me. He never contacted me to see what was the issue. He just closed my account with as much bias as possible. I have tried numerous times and filed several complaints with Regions since my account was closed. ALL but 1 went unanswered. I recently spoke to XXXX XXXX ( XXXX ) who assured me that she was XXXX biased and made the issue for my account being closed like she was the banks lawyer. She very nastily asked " What did I expect her to do and told me I was not getting my account back. Now the reason that they have taken my account is because I recorded the 20 seconds of XXXX XXXX 's unprofessional and biased approach. Which they did not know if I had truly recorded her or not at the time they closed my accounts. And of course this comes right as I was applying for a well deserved and hard worked for " line of credit '' with Regions. I have been nothing but a loyal customer of Regions. I've had my account for atleast 3 to 4 years. I got no respect. I got no rational and fair treatment. I've been treated very rudely and my concerns have gone ignored. The treatment of customers has not been addressed and the professionalism required. When I told the " regional Manager '' XXXX XXXX that she was acting unfair and unjust and that she should be more like the professional employees I encountered at the XXXX branch ( after leaving XXXX XXXX the day of the incident ), she told me to complain to whoever I'd like, she's not giving my account back, good luck with my line of credit, and hung up on me. This was so very rude and unprofessional that, here I am seeking help, because there has to be some kind of consequence on these employees behalf for their behavior and some kind help with my account and payment for all the problems this has caused and created for my business. This was my main business operations account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38135
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-21
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: On XXXX XX/XX/XXXX we contracted XXXX XXXX to replace two of our HVAC units. The job was assigned to the contractor XXXX XXXX XXXX. The installation was completed on XX/XX/XXXX and financed by Enerbank, Loan # XXXX. At the time of sale the contractor offered us " Satisfaction Guarantee ' '' which allows us to request a full refund back. We've being having issues with contractors job. Specifically the units are not operating properly and the Contractor failed to schedule the XXXX State Required Inspection. On XX/XX/XXXX we started a dispute on the charge paid by EnerBank to the contractor on my behalf. The dispute was for aforementioned reasons. As a consumer I never agreed to purchased inoperable units, and definitely I will not accept any un-permited work, by the State of XXXX, on my Property. The Contractor agreed to refund XXXX from the original loan which was XXXX. The XXXX $ where paid back to Enerbank on XX/XX/XXXX. The remaining balance is still under dispute. I am filling this complaint against Enerbank because : 1 ) Enerbank is trying to charge me interest while we still have an open dispute on this charge. 2 ) Enerbank failed to send me a notice which 30 days, acknowledging the Dispute we started on XX/XX/XXXX 3 ) Enerbank failed to resolve the dispute with two billing cycles required by law. An acceptable resolution for this case is for Enerbank to collect the remaining funds paid to the vendor because the contractor failed complete the job successfully.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32836
Submitted Via: Web
Date Sent: 2022-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I contacted regions Bank on XXXX to dispute transactions on my account that I didnt make or recognize, I spoke with several agents that continued to forward me to other agents repeatedly and finally I got to an agent who told me she would be helping me file the dispute, She ask me some questions about if my card had been misplaced or stolen which I explained to her that I still had posession of my card and had not misplaced it she then ask me to give her the merchant names and amounts for the transactions I needed to dispute so I provided her with those and after asking me a few other questions, canceling my debit card and ordering a new one she told me the dispute was successfully filed and informed me that " Check card claims '' are completed after 10 days ... XXXX XXXX I contacted Regions to ask about the status of my claim and was told by the agent that she didn't see a active claim on my account I explained I filed the claim on XXXX but she still said she seen no active claim and she couldn't help me since she didn't see the claim so I contacted Regions again on XXXX to ask about my claim status and was told by this agent that she also didn't see an active claim on my account I kept insisting the claim was filed and told her the name of the agent who assisted me in filing it and she then said she did see a claim in my account and it was denied she told me I would receive a letter explaining why it was denied, which i did finally receive and it stated that my claim was denied based on " No report of card loss, theft or comproise were reported and transactions passed fraud analysis ''. I have contacted regions again several times since the denial and was told diffrent things everytime by each agent, i spoke with one agent who told me to contact the fraud department, others just transfer my call again and again or place me on hold for endless amounts of time and one agent even said that I had to provide a police report to reopen my denied claim I explained that I had no police report since my card was never stolen to my knowledge I had no reason for a police report and once again I informed the agent that I was admitted in to the hospital on XX/XX/2022 and was not XXXX until XX/XX/2022 which was during the time the fradulant transactions occured I also faxed my XXXX XXXX papers to the fax number provided in my denial letter that show the date I was admitted and date I was XXXX ... .The date of the fraudulent transactions that I disputed were made on XX/XX/2022, XX/XX/2022 and XX/XX/2022 which were during the dates of my XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 298XX
Submitted Via: Web
Date Sent: 2022-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: My husband and I were looking to apply for a home equity loan on our investment property. Region 's Bank online advertisement stated that home equity loans could be done on a first, second or investment home. We applied, never heard from lender on any decision, only to ask us to unlock our credit, and submit financial documentation, we submitted the requested loan documents and never heard from the bank. My husband and I reached out a week later to inquire on loan status and were told we were denied because they do not lend on investment property even though they had the application and knew the reason for the loan application. So Regions ran our credit and obtained all of our personal financial information knowing they weren't intending to approve this specific loan. There online advertisement was extremely misleading and was the reason we submitted the online application.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX Remaining Negative Accounts. Account Name : REGIONSBANK Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 372XX
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A