Date Received: 2022-07-12
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I went out of state to Arkansas in XX/XX/2014. I was in a car accident and was in XXXX XXXX XXXX at the time I called my mother, XXXX XXXX XXXX on her cell phone from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX withdrawaled {$4000.00} over the course of 4 days. Without my permission. I contacted Regions Bank, to inform them that the transactions were unauthorized. For one the card that XXXX XXXX XXXX used was suppose to be deactivated upon activation of my new card that was in my personal possession at the XXXX XXXX XXXX XXXX in XXXX XXXX, AR. I submitted the unauthorized transactions complaint to Regions Bank. They did not pursue the complaint. Regions Bank stated, " The transactions were authorized. '' That was their response upon completion of their investigation. I don't know all the specific dates of interactions between the bank and I. But I do still have a copy of the complaint and dates that these transactions. I want this money recuperated to me. It was theft and it is not right that this was able to happen without consequences.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 403XX
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I, Your Name ( XXXX : XXXX ) a natural human, consumer hereby am notifying you XXXX XXXX, REGIONS AND XXXX XXXX XXXX that I realized the coupon attached to my statement was indeed a form of payment. I looked up the correct definition of a Coupon pursuant to The Black law dictionary A coupon is a written contract for the payment of a definite sum of money on a given day, and being drawn and executed in a form and mode for the purpose, that they may be separated from the bonds and other instruments to which they are usually attached Please be advised that I received your statements and coupons from XXXX dated XX/XX/2022, in the amount of {$1700.00} from REGIONS {$9000.00} dated XXXX XXXX, and XXXX XXXX XXXX {$2700.00} dated XX/XX/2022. I accept your offer and I am returning your coupon as Tender of Payment pursuant to XXXX ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument. Bond coupon Part of bond which is cut and surrendered for payment of one of the successive payments of interest Coupon bonds Bonds to which are attached coupons for the several successive installments of interest to maturity. Benwell v. Newark, 55 N.J.Eq. 260, 36 A. 668 ; Tennessee Bond Case, 114 U.S. 663, 5 S.Ct. 974, 29 L.Ed. 281. Coupon notes Promissory notes with coupons attached, the coupons being notes for interest written at the bottom of the principal note, and designed to be cut off severally and presented for payment as they mature. Williams v. Moody, 93 Ga. 8, 22 S. E. 30. Pursuant to Instrument A negotiable instrument ( defined in U.C.C. 3-104 ), or a security ( Pursuant to UCC3-603 TENDER OF PAYMENT. ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument. Pursuant to UCC1-308 Performance or Acceptance Under Reservation of Rights. ( a ) A party that with explicit reservation of rights performs or promises performance or assents to performance in a manner demanded or offered by the other party does not thereby prejudice the rights reserved. Such words as " without prejudice, '' " under protest, '' or the like are sufficient.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33169
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I believe I have fallen victim to a predatory lending scheme. I am an elderly person and was experiencing plumbing issues and called XXXX to assist. Was promised total issue resolution, took a loan through the lender coordinated by their contractor for {$6000.00}. However the issue was never resolved. I had to keep calling because the system behaves the same as before. XXXX no refuses to honor warranty but Im still liable for this loan. I have filed a claim with the State of California XXXX XXXX XXXX, they have been trying to close my case ever since I opened it in XXXX. This work began XX/XX/2020 to this date I am not satisfied with their work. XX/XX/2020 XXXX XXXX from the XXXX XXXX XXXX and another man he identified as an inspector claimed he was checking my plumbing and he also said we needed a plumber with a camera to look into the pipes. There was a plumber working across the street from my house and he claimed to have gone up the pipe with camera. I received a phone call from XXXX XXXX telling me that nothing was wrong I have not received a report I paid that plumber {$200.00} cash.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91001
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Received email from Regions XX/XX/XXXX saying if I opened an additional savings account on top of the existing checking account, I would receive {$200.00} bonus within 90 days. 90 Days was XX/XX/XXXX. Still no promotional money received. Rep will called in was unable to resolve.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77382
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I went to the ATM to deposit funds into my account in the amount of {$460.00}. The ATM took my money and then gave me a message across the screen stating " We apologize we can not deposit the funds into your account we can not give the funds back please contact your bank. '' I filed a complaint the very next business day. After a few weeks of waiting, I received a call stating that they could not deposit the credit to my account because my account has been closed. I went to the bank and spoke with branch manager XXXX who then informed me that my account was not closed but placed into a do not deposit status. No one can tell me who placed my account into the do not deposit status, why it was placed into the do not deposit status, and why I was charged to have that account closed when no one asked my permission. We then had to open a new account so that I could get the credit for the funds. I received a credit to my account almost a month later and then towards the end of XXXX, I received a letter in the mail stating that they have determined that I did not make the deposit to the ATM and that they will be taking the funds back from my account. Once I receive the letter I called and asked how they had come to that conclusion? I was told that the money would be separated into a separate batch if it did not go into my account however when speaking with branch manager XXXX he let me know at the time that the ATM was broken and that they had a claim on the ATM to get it fixed. I then asked if they would pull the time stamp card for my debit card in the footage to prove that I was there and that I didn't make that deposit, They told me no, they needed a subpoena to do so. So I went to the police to file a report to get them to pull the footage. It is now Friday, XX/XX/XXXX and no one has contacted me. So I did call the branch today and spoke with branch manager XXXX again he let me know that the internal investigation team got in contact with him and told him that they viewed the footage and saw that I receive the funds back which I did not. I want to see the footage that they saw that they claim I received the money back from. I know I did not get my {$460.00} back, Nor did those funds go into my account. I sat at the ATM for about five minutes after I took my money trying to figure out what to do I do not believe that the entire film was viewed or they would've seen that I did not get my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31907
Submitted Via: Web
Date Sent: 2022-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-08
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XXXX card XXXX was breeched on XX/XX/2022. someone called when I was down the street from Regions drove to Regions to ask if the call was real before I spoke with them. They checked his credentials.This was the next day XX/XX/2022. Was on the phone with them trying to get every thing straight. MY credit card had been breeched with a card that was just like mine in my purse. I do not know who this was or how they went about getting the money {$1200.00}. and cash advances of {$250.00}. I got a letter onXX/XX/2922 from Regions claims resolution Center stating that : our review indicates you participated in or otherwise authorized this use of your card!!!!!! WHAT!! I have been with this institution for XXXX years. I have never accessed cash advances.I would like the amount that was taken from my account replaced. I felt like a criminal and that is the way they treated me. I am asking you to do whatever you can to give the credit I should have for being with this bank for XXXX years.Please fix my account before it affects my credit. It has already gone down from XXXX to XXXX .Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34601
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-08
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Region 's Bank charged me an Overdraft Fee of {$36.00} on XX/XX/XXXX when my account balance is and has been positive since XX/XX/XXXX. They have claimed that some mysterious pending transaction that was never shown on the account whatsoever must have caused it by dropping it to negative, despite the fact that no such transaction was ever recorded by myself or the bank 's online service, and overdrafts are not applicable to pending transactions, only posted transactions. According to both logs, there was never a negative balance during the weekend of XX/XX/XXXX. Region 's support has stated quite bluntly that they will not be returning the money and they are unable to correct the issue.
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: 2022-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I signed loan documents on XX/XX/2022 for a HELOC with Regions Bank. Based on issues with the process, I confirmed to management that I did not wish to proceed with the loan, within the recission period. They indicated that the loan and application where withdrawn. They then proceeded to encumber my property by recording the {$25000.00} lien without funding the loan. I am not being prevented from finalizing a new loan with a new lender based on their error in recording an unauthorized lien against my property
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33334
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My mother has an account with Regions Bank in XXXX, XXXX XXXX I was added to her account a couple of years ago to help her as she has failing health. I was called by the Regions Bank branch on XX/XX/2022, I was asked if I had made an electronic withdrawal for almost {$4000.00} on XX/XX/2022. I said that I hadn't and went to the branch to find out what happened. They showed me a copy of a check with my mother 's account number on it, but a fake name, address, and email address on it. I was speaking with XXXX XXXX and as she pulled up the account, she realized that there were other checks starting back around the middle of XXXX. My mother 's account was completely drained of {$56000.00}. She doesn't receive statements in the mail or email statements. She doesn't even have a computer. So, we didn't know the fraud was going on. The bank never caught these transactions, so they continued to happen until all of her money was gone. I filed a fraud report with XXXX XXXX and a police report with the XXXX Police Department. I also filed a complaint with Regions Customer Protection Center in XXXX, AL. I waited the 10 business days to hear back from the bank, then I received two letters from the bank. One listed all but four of the checks saying that I didn't dispute the checks within the time provided in the Deposit Agreement. They have yet to tell me what the time limit is. The second letter said that four of the checks the paper needed a signature to continue the investigation. I have no idea what the " Deposit Agreement '' is, as this is my mother 's account, and I was just added on. Bottom line, the bank is claiming no responsibility. That money is for my mother to live on for the rest of her life. Without it, she will be desolate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38671
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/2022, opened a XXXX Checking account in response to advertisement offering bonus when opening an account, depositing via XXXX a total of {$1000.00} within 30 days of account opening and registering for online banking within 30 days of account opening. After meeting all terms and conditions, it was said that bonus would be paid within 90 days ; however, as of the date of this complaint, no {$400.00} bonus has posted to account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78232
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A