Date Received: 2022-07-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022 At around XXXX XXXX I went to the region ATM at XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I used my debit card to deposit Cash to my business I deposit {$1400.00} in cash the ATM took the cash the atm said Payment retained Transaction canceled each time I tried to print a receipt the atm said transaction canceled. Regions Atm took my money. Regions can count the machine and see the machine was over plus there's a video recording showing I made the atm deposit. I'm not sure why but I'm having a hard time getting my {$1400.00} back when the atm took the money and did not deposit the money into my account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: XX/XX/2022 XXXX were deposited into my account from a fraudalent location later on a check deposited was returned XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33610
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Regions sent me a mail piece offer to earn a {$400.00} bonus for opening, enrolling in online banking and funding a XXXX checking account with {$1000.00} in new deposits within 30 days of opening the account. On XX/XX/XXXX, as instructed by the mail piece, I registered by scanning the XXXX code that was provided in the instructions ; I opened a personal XXXX checking account ; I enrolled in online banking ; and I transferred {$1500.00} to the new account from my XXXX checking account the funds were posted to the account on XX/XX/XXXX ( and remain there today ). I received emails from Regions on XX/XX/XXXX confirming the account was open and funded and welcoming me to Regions online banking. Ive attached copies of the mail piece I received and copies of the emails to this complaint. I opened the personal XXXX checking account well before the XX/XX/XXXX deadline listed in the mail piece. I contacted Regions customer service by phone on XX/XX/XXXX to inquire about the {$400.00} bonus and when it would be credited to the account. I spoke with XXXX who indicated that Regions did not show that I had registered with the personal code and referred me to the local branch since there was nothing he could do. I went to the local branch located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX the following day and spoke with XXXX XXXX and explained my situation. He looked at my account and could see that I had completed steps 2 & 3 in the mail piece but step 1 was highlighted as incomplete. I told him I scanned the XXXX code and assumed the personal code was embedded since I wasnt prompted to enter it at any time. He indicated there was nothing he could do but submitted a ticket to the back office to investigate. I followed up with XXXX on XX/XX/XXXX and he had not heard back from his ticket. I received a call from XXXX a day or two later and he told me that unless I had some proof showing I had entered the personal code that Regions would not honor the offer. I asked him to escalate this issue which he agreed to do. I received a call from XXXX several days later and he again responded that Regions would not honor the offer. I requested he send me copies of the responses he received but as of XX/XX/XXXX I have not received that information. I left XXXX a message on XX/XX/XXXX to call me so I can request the information again. I complied with the offer requirements by 1 ) scanning the XXXX code, 2 ) opening a personal XXXX checking account by XX/XX/XXXX ; enrolling in online banking within 30 days of opening the account, and 3 ) funding the account with {$1000.00} in new deposits within 30 days of opening the account. Regions has placed the burden of proof on the consumer for knowing the personal code was entered and recognized by their system but has yet to acknowledge that they may have had a system or process failure. Since my account was flagged that the personal code had not been entered in XXXX system its obvious to me that Regions knew I had received the mail piece and could have generated an alert to me to that part of the process was not complete but I was never contacted by Regions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30342
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I had a debit card provided by an employer ( XXXX XXXX that was stolen from me around XX/XX/2022. On XX/XX/XXXX, I became aware that the money on my card was used by someone else for {$800.00}, from XXXX XXXX XX/XX/XXXX. After calling and reporting this issue to Comdata ( the bank issuing my XXXX XXXX ), I was instructed to dispute each transaction online. Then I received an email from a comdata representative basically telling me to investigate my own case by calling each business my card was used at, ask about there refund terms, and ask if they would be willing to issue me refund. My problem is I do not believe my card company is trying nearly enough to dispute or replace the money I worked hard for. I followed their instructions even though it was difficult to try and talk over the phone with business about my card being used. Most of the businesses asked why does my card company have me reaching out to them, and that if fraud really did happen, that their card services would have to refund me. Im almost 100 percent sure comdata should not be instructing users of there service to figure out if they can get a refund. Attached is a picture of the email instructions Comdata sent to me filing after disputes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48219
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I realize I have hard inquries on my report that I did not approve of nor had any knowledge about the companies. Included are the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Regions Bank - XX/XX/XXXXXXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37115
Submitted Via: Web
Date Sent: 2022-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-15
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I got hit with {$140.00} in overdraft fees within a period of 2 days because I was unaware of certain electronic transactions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75605
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
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 XX/XX/2022 I received text message from the XXXX XXXX XXXX that wanted a {$45.00} dollar donation. In my attempt to block this in the future, the application thanked me for my " donation '' to XXXX XXXX transaction posted on XX/XX/2022 for {$45.00} I filed an online request with Regions Bank located in XXXX Alabama , stating this was a fraudulent transaction as I did not authorize. Today I received a letter from Regions XXXX XXXX XXXX XXXX XXXX Claim ID : XXXX, stating they were not going to credit my account for this transaction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 357XX
Submitted Via: Web
Date Sent: 2022-07-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened an account with Regions online on XX/XX/2022. I had a direct deposit sent to my account on XX/XX/2022 in the amount of {$1600.00} from a installment loan company that works with my job ( XXXX XXXX XXXX XXXX ) and it was pending in the account. On XX/XX/2022 the deposit completely disappeared so I called the XXXX branch because the one in XXXX fl was closed. They told me to call customer service because they couldnt see any deposits or anything on my account and customer service could see more of my account information. So I call the customer service number and the associate I spoke with was very dismissive even implying that I was lieing about the deposit altogether and she said that I needed to go into a branch and that the branch can see more info than them. So I drive 45 mins to the branch in XXXX. Show the associate the text message I received saying that the deposit was made to my account and he told me that my account was closed because I didnt pass the screening process and that the direct deposit was rejected for that reason. XX/XX/2022 I received an email from regions saying that I need to fund my account. So I contact regions asking how can I fund a closed account and I am told that my account is still open. So I called the loan company and they said they were told by regions that the account was open but it was frozen. Now i am being denied for the loan and its all because of regions and their lies and negligence. My first and last time banking with regions
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32609
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I used EnerBankUSA to provide credit for a home improvement project. The loan amount is {$5400.00} with 7.99 % interest. They have charged a minimum payment of $ XXXX and are now claiming that entire payment has gone to interest. Daily amortization on that amount is approximately {$1.00} per day totaling {$36.00} per month. Unless they are changing the loan terms and not producing it on the statement their math is incorrect and they are enacting fraudulent charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33881
Submitted Via: Web
Date Sent: 2022-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Complaint on Regions MTG Regions Mtg has raised my monthly payment over {$400.00} for Real Estate taxes. First of all, we have never escrowed our taxes. We were late paying our taxes and Regions sent a letter giving us 30 days. We paid the taxes within that 30 days in XX/XX/2022. Regions paid our taxes again in XX/XX/2022. They said that the State of Illinois is not showing our taxes paid. I sent Regions the paid bill and a copy of the cashiers check used for the payment verifying that we paid our Real Estate taxes XX/XX/2022. Why are they charging us for their mistake? Is that legal? We received two payment increases : One time to force us to escrow our taxes going forward ( a little over {$200.00} ) and another increase ( a little over {$200.00} ) to make us reimburse them for paying our taxes in error. Regions is forcing us to escrow. I asked to see documentation and they said that If we default in our Real Estate Taxes, Regions has the right to force the escrow. We NEVER defaulted in our taxes, however, paid them late. Is this legal? And, why should we pay Regions back the amount of our taxes they erroneously paid the State of Illinois, when we already paid them? Is that FAIR? Our Mortgage balance with Regions is a little over {$6000.00} and they have raised our payment from {$430.00} to more than {$800.00}. That is at least a 75 % increase. How can they force us to cover their mistake? I think Regions is trying to cover up their mistake. Talk about UNFAIR, DECEPTIVE, OR ABUSIVE PRACTICES. Mortgage Loan in the names of XXXX XXXX XXXX and XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62234
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A