Date Received: 2022-05-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: There is no timeframe mentioned on when a Deposit on Demand Account may be closed with a XXXX balance. Consumers should be informed that have to keep at least a balance ( whether it is {$0.00} or more ) before restricting services. Without this expressed in writing, I emptied my bank account on XX/XX/XXXX. My next direct deposit would XX/XX/XXXX. My account statement cycle ends on the XXXX business day of every month. On XX/XX/XXXX, I sent a payment of {$27.00} through XXXX to another account from my personal Regions Bank checking account. After I sent the XXXX payment, my account balance was XXXX. My direct deposit was not expected to be delivered into this account until XX/XX/XXXX. I have this account established solely in my name and the account is over 5 years. I was told on XX/XX/XXXX that XXXX account was not in an open status. XXXX, a personal banker from Regions XXXX by phone, said my account could not receive a XXXX payment of {$25.00} on XX/XX/XXXX. XXXX said my account status requires me to go into a Regions bank location or use my debit card at a ATM to deposit because I left my account at a XXXX balance. I asked XXXX to send me a copy of the deposit account agreement. She said she could not because Regions does not do that my phone. She transferred me to another personal banker named XXXX to further assist me. XXXX confirmed that Regions could not mail the Deposit Account Agreement by phone request. After looking at my online banking, I finally obtained the current copy of the Deposit Account Agreement. In it's 78 pages revised as of XX/XX/XXXX, no where in the agreement does it state Regions reserves the authority to " soft close '' my account because I emptied my funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33594
Submitted Via: Web
Date Sent: 2022-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I called this Comdata customer service regarding my current balance. I had a balance of {$2600.00}, and it appears as a balance of 0 right now. I spoke with a Spanish customer service representative at XXXX pm, who advised me that the company I used to work for was the one that made the withdrawal which I found to be odd because they do not have that permission. My wife tried to call again to request evidence of this withdrawal, and this representative was answering the call and acting as if he didn't hear my wife and remained silent. My wife then called again from her number and tried with the English line at XXXX pm because we thought the previous representative knew my number and wouldn't assist us ( sketchy ), and a representative named XXXX assisted her with me by her side. My wife asked for an email with the evidence ( statement ) showing that the XXXX XXXX was indeed the one that made the withdrawal and provided her email. An hour passed, and there was no email with this evidence ( statement ), my wife called again to request the statement copy, and someone answered and remained silent again ( suspicious ). I believe this is a big fraud and that this company stole this money from my account because it is super sketchy that they do not answer or remain silent after we speak about the issue. I believe that they thought I forgot about this account/card or something because the last time I used it was when I was in my XXXX in XXXX XXXX. This money is from hours of hard work, and it is not fair that they took it ; if this is not resolved, I will sue this company, and if I have to take it to the last of consequences, I will. This upcoming Tuesday, I will speak to a lawyer because this is unacceptable and a big fraud. Is very suspicious of how the employees are acting and this company. I have never had any issues with any card that they take my money and then pass the ball or accuse another company that does not have access to make any transactions on my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28390
Submitted Via: Web
Date Sent: 2022-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: The Fraud against me began Saturday XX/XX/XXXX. I had called an XXXX # that I XXXX, I thought I was speaking with XXXX customer service about an item I ordered from XXXX and I wanted to make a return. I called to find out the process because I had never returned jewelry before as it was purchased through XXXX XXXX The person ( s ) representing XXXX XXXX customer service hacked into my account while speaking with them, they told me that this was the process for making a return through XXXX and once the process was complete I would never have to verify who I am again if I had to make a return in the future. Both my XXXX and XXXX account were compromised, those accounts are both linked to my Regions Bank Debit card. By the end of that day the thieves had taken all of my money from my Regions bank account. XXXX I reported it to Regions that my debit card was stolen, I also notified XXXX XXXX and XXXX that my account had been compromised. I was on hold for over 2 hours trying to reach someone with Regions fraud department to report my account compromised in the amount of {$2400.00}. I filed a fraud claim, I took extra precaution with the Credit Bureau a to have Fraud alerts added to my identity. XX/XX/XXXX I was able to file a claim with XXXX XXXX and XXXX Monday XX/XX/XXXX I spoke with Regions bank to officially go over what transactions that were mine and the ones I did not authorize. I was told by Regions that I could not file a fraud claim until the transactions post, at this time it's the weekend so those fraud charges still showed as pending. XX/XX/XXXX the charges posted to my regions account, I call the fraud line for Regions bank and filed my claim. I was told by Regions the process will take 2-10 business days. XX/XX/XXXX I went to Regions Bank to put a passcode on my account and the bank manager informed me 2 business days in the the Fraud Resolution team had closed my claim. I wasn't notified by anyone. A letter came in the mail 2 days later. I told the bank manager what had happened to me on XX/XX/XXXX, the explanation I was given was because I had a XXXX XXXX and XXXX account how do they know I did not participate in this scheme and now I am filing a claim of Fraud. This was insulting, I was hurt and appalled by that suggestion and accusation. I would NEVER do any of those things. I work hard for what I have. To suggest that I would commit fraud against myself. That day the bank manger said she would reopen my claim and for me to provide as much information as I could about what had happen. The bank manger informed me to allow another 5 business days for this process. I did what was asked of me and provided more information. XX/XX/XXXX I called for an update and was told they did not find any documentation of any kind added to my claim for review, after I gave who I talk to and the Regions Branch I was at the rep did find the additional documentation I had provided and ask that allow a couple of more days for the investigation to be completed. XX/XX/XXXX I called the regions bank Fraud line to get an update on my reopened claim. The rep I spoke with today Friday XX/XX/XXXX said it looks like it has been closed. I am to wait until after the XXXX XXXX holiday to get an explanation. Regions Bank did not take the time to look at my buying history or transaction history I have been with Regions Bank I know for more that 10 years and this is how I am treated. Regions did not even investigate my transaction history with XXXX XXXX or XXXX to see that these large transactions created in one day should have seem suspicious.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-28
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Regions bank has been posting transactions and credits out of order for customers to get overdraft fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35215
Submitted Via: Web
Date Sent: 2022-05-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I used the lender EnerBank USA to cover the repair of a septic tank drain field on my property and was making steady payments since the repair in 2020. I came down with XXXX which lead to an extended absence from work, and attempted to keep up with the payments but the lender was difficult to work with. We finally reached an agreement allowing me to set the account straight by making on time payments again, but made a payment a day later than the cutoff. This lead to them sending the first of several letters with a payment amount that they were demanding to keep the account current with the wording that added additional penalties if the payment was not received in " ten days ''. There was no date on the letter and no date mentioned to start the " ten days '', and every time I have called or paid has not been within the ten day period leading to an almost constant compounding of fees. The absence of the start of the ten day period in all of their correspondence seems like a deliberate ploy to keep the debt active and extort for the " late fees ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32962
Submitted Via: Web
Date Sent: 2022-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a Regions checking account around XXXX last year, during the process I mentioned the personal banker who was assisting me in opening the account specifically if I would qualify for the {$200.00} incentive plus the {$50.00} referral bonus from being referred with my Individual Tax Payer Identification Number aka ITIN. She proceeded to ask her manager, she came back and said YES! You will qualify for the incentives plus the referral bonus with an ITIN. Months passed and I noticed under their OfferTracker website all the requirements were met except one saying the following : Valid TAX ID Required : NO I called the bank and asked why my bonus hasn't posted yet after meeting all the requirements, after multiple attempts with different representatives/managers they kept saying I did not qualify solely for the reason of not having Social Security Number ( SSN ) and that the system can not generate a form 1099. What I have explained to them at the branch, during a phone call, and thru social media : 1 ) When I opened the account the banker told me I will qualify for those incentives with my ITIN. 2 ) A form 1099 can be generated using my ITIN, and that is the actual purpose of having an ITIN, to be able to report taxes in the US. 3 ) OfferTracker website indicates " Valid TAX ID Required '' and an ITIN or SSN are both VALID TAX ID. 4 ) No description about saying SSN is required in the fine print for both the {$200.00} Incentive or {$50.00} rewards gift card for the referral program. I have not given any solution to this, and also the Regions bank are not willing to help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33157
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: A brief summary is provided here with details to follow below. - After Regions yearly analysis, my escrow account was noted to be short approximately $ XXXX, which caused a $ XXXX increase in my mortgage payment for the year. I did not receive notification of this until I was called in XX/XX/XXXX. - When I spoke to a representative in XXXX and told them that I would have trouble making that payment, she told me that I was eligible for a hardship package. - This same representative said that during the hardship process I should not make any payment, and that there would not be any reporting to the credit agencies during this process. - Regions reported a delinquency on my credit. - On several occasions, I had to call Regions for follow up due to their poor communication with me during this awful time. There were several promises to call me back that were not kept. - After many reviews, it was determined that Regions incorrectly calculated the escrow account, and my shortage was eventually decreased to a more manageable payment. - I requested that the delinquency be removed considering Regions mistake AND the misinformation I received from their representative. - Regions did not remove the delinquency, and there is no indication that they reviewed the call. The delinquency on my credit report is causing significant damage to my livelihood and quality of life. Detailed Account : On XX/XX/XXXX, a representative from Regions Bank called to inform me that my mortgage had not been paid for the month of XX/XX/XXXX. This was surprising to me as I have set up automatic monthly payments. I advised that I would pay the payment over the phone. At that time, I was told that it would be approximately $ XXXX more than I was previously paying due to changes in escrow. I advised that it was difficult to make that payment as I had not been informed of the increase, and because the increase was astronomical. At that point, I was transferred to XXXX XXXX in the loan servicing department. She advised that I may be eligible for a hardship. She asked a series of questions, and said that I was eligible. I informed her that I did not know anything about this process and asked some questions, specifically about what to do regarding my payment while going through the hardship process. She told me that it was a long process, and that I would receive a packet in the mail with instructions on next steps. I asked several times whether I needed to make a payment in the meantime. She instructed that I should NOT make a payment and that NO CREDIT REPORTING for late payments would happen until the hardship process was completed. When asked, she clarified that the hardship process started as soon as she sent the hardship packet out ( the same day of this call ), and that the only thing I needed to do at this point was wait for the packet to complete. The estimated ship time was 7-10 business days. She also noted that there were due dates I would need to pay attention to in the packet. She also offered to send the new escrow statement. We ended this call. On XX/XX/XXXX, I received another call from Regions Bank about my XXXX payment. I spoke with XXXX XXXX in loan servicing. At that time, I informed him that I had not yet received the hardship packet, and he said that he saw that one had been sent to me. He said that he would send another to make sure I got one. On XX/XX/XXXX, I received notification that Regions Bank had reported a delinquency to the credit bureaus. I still had not received the hardship packet. On XX/XX/XXXX, I received the hardship packet and started discussing it with my attorney and financial advisor. I also sent them my closing paperwork and escrow statements so that they could review and determine why there was such a drastic change in payment amount. On XX/XX/XXXX, I called Regions Bank to pay my XXXX and XXXX payments, as well as pay off my shortage balance. I paid the XXXX and XXXX payments over the phone, then asked to speak with someone about the shortage amount. I was transferred to customer service, and I spoke with an agent named XXXX extensively about my loan. During that call, she was confused about the shortage balance that I needed to pay. When I pointed out that the numbers were not matching, she then noted various reasons for the confusion. She said that the bank had paid an increased amount to my homeowners insurance, and that I was being charged for the increase. When I inquired about why they overpaid the insurance company, she was not sure and said that she would send to the insurance department to review. She also noted that Regions estimated MUD taxes in my escrow balance, but had not yet paid those taxes. She said that she would send this to the tax department for review since her research showed that I probably should not be paying MUD taxes. I also requested that the phone call on XX/XX/XXXX with XXXX be reviewed and requested that the bank remedy my credit report since I was given incorrect information about credit reporting in that call. She said that she would call me back by the end of the week to give updates. I did not pay the shortage amount at that time due to the inconsistencies. On XX/XX/XXXX, I called Regions Bank to follow up on the prior call ( XX/XX/XXXX ) since XXXX had not called me back. I was transferred to customer service and spoke with XXXX XXXX since XXXX was not available at the time. XXXX reviewed the notes on my account and found the following : - A dispute had been initiated in their credit department regarding the delinquency reporting to the credit agencies. Nothing back yet. Takes 30 days. The dispute had been initiated on XX/XX/XXXX. When I asked whether the call had been reviewed, she said that the call had not been reviewed, but it has been noted that I wanted the recording and delinquency reporting reviewed. - Regarding Insurance : They had spoken to XXXX at my insurance company and the premium had been increased, so they needed to recoup the amount they overpaid. - Regarding the MUD taxes : She said the task was open but not completed. She then said that she no longer saw the MUD taxes on my escrow statement, and that they were probably removed. I asked for clarity from tax department to be sure, and an updated escrow statement. She offered to transfer me to XXXX who has been working on this issue for more clarity, but then said that she was unavailable. She then said XXXX had a note to call me back by the XXXX. I told her there was supposed to be a call back by today. Stressed to her that I wanted to get this resolved before my next payment was due by XX/XX/XXXX. She said that, per notes : MUD taxes removed. XXXX will contact me. They are working on an updated escrow. XXXX will send an email to XXXX asking her to call me this week. On XX/XX/XXXX, I received an automated notification via email of new documents ready to review in my Regions account. I had received a new escrow statement showing a new, lower, monthly payment amount after the new analysis showed that I was, in fact, being assessed incorrectly to need money in my escrow account for MUD taxes. On XX/XX/XXXX, I called Regions Bank again since I still had not received any call back from them regarding this issue. At that time, the representative attempted to transfer me to XXXX, but she was not available. I spoke with XXXX in customer service instead. She said credit report is still being reviewed. No updates were available since the credit team needed to do an in depth review. She said the last update in the notes was on the XXXX, and that someone was working on it, but the notes did not give any specific information. I asked to be transferred to speak to someone in that department, and she said there was no one is available to speak with me because that department did not have phone lines. She then said that I would get a letter in mail with results. At this time, I paid the shortage on the corrected escrow statement. These numbers were consistent with the numbers outlined by my financial advisor. XXXX took the payment and said that she would send a new billing statement showing the updated payment amount without the shortage on it. On XX/XX/XXXX, I received a letter in the mail from Regions Bank dated XX/XX/XXXX indicating that they would not remove the delinquency reporting because the payment was late. There was no indicating that they reviewed the recording of the call on XX/XX/XXXX in which a Regions loan officer, XXXX, told me NOT to make the payment since a hardship packet had been started. I am writing this complaint to request that you have Regions review my file again. Until their analysis mistake, my account has never been late. I have made all of my payments on time. Had it not been for the misinformation received from a Regions representative, I would have made the XXXX payment to avoid a late payment. Prior to this, I have not had any late payment issues on my credit, which allowed me to qualify for this loan. In fact, I have made XXXX, XXXX, and XXXX payments, and even paid off the shortage to get my escrow account to the required amount. Due to this entire mishap, and Regions unwillingness to fix their mistake, my credit score has dropped significantly, and it is affecting many things that I am needing to do. It has also caused a significant amount of stress and anguish. It is completely unacceptable to be in this position due to their mistake. I am requesting that this be reviewed not just for me, but for other clients who may be experiencing the same issue due to their incorrect escrow analysis.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77004
Submitted Via: Web
Date Sent: 2022-05-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-21
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: ALL BANKS DENYS ME SAID HAD BANK BEFORE AND I DIDN'T HAVE THOSES BANKS
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77090
Submitted Via: Web
Date Sent: 2022-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-21
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: On XX/XX/2022 I stopped by the XXXX Bank located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX to open a checking account. I believe I was discriminated against by Regions Bank because I am an XXXX American XXXX. I was interviewed by a female bank representative. During the interview she gave me the impression that I was approved for a checking account. I listened to all of the prospects and opportunities I would have as a Regions Bank customer. I previously had a good relationship and banking history with Regions Bank. I did experience some financial hardships while my account was opened but I resolved all balances with the bank. I was denied the opportunity to open a checking account. Regions Bank moved to deny me the opportunity to bank with them again. I believe this was done because of erroneous information in the XXXX XXXX reporting system. I also believe that Regions Bank - just like other banks have discretion to take XXXX XXXX and XXXX XXXX information at face value - banks also understand that the United States is still recovering from an international pandemic and not every person has a pristine banking history. Based on my previous history with Regions Bank - I believe the bank should have considered this information as well. I know banks have discretion because I was able to open a checking account at XXXX XXXX XXXXXXXX XXXX on XX/XX/2022. XXXX XXXX XXXXXXXX XXXX also received a notice from XXXX XXXX but based their decision to open the checking account on my previous banking relationship. They offered me a second chance checking account that actually exceeds my needs. Perhaps Regions Bank should consider other product offerings including but not limited to second chance checking.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-19
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: In XXXX of 2021, we were approved to borrow {$23000.00} from Enerbank. As the work was completed on the house, the funds were given to the XXXX. My outstanding balance today is {$23000.00}. I have made payments totally {$1600.00} and I began making payments before any payment was actually due. They took all of that for interest, The last payment I made in XXXX, for example, {$340.00} was due - I paid {$400.00} and {$32.00} was taken from my principle. How can that happen? At the bare minimum, shouldn't any extra that I pay go toward the principle? Of my {$1600.00}, {$110.00} has gone to my actual loan. I just think that something shady is going on. I did call twice, she said that it's {$9.00} per day interest. That's fine but where did my {$1600.00} go?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 439XX
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A