Date Received: 2022-05-18
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2022 I paid to stay at XXXX XXXX XXXX on XXXX XXXX. in XXXX, TN for a month. There were many problems with the hotel. One of the main problems was the cigarette smell. I already told the XXXX that I had XXXX and needed to be in a quiet and nonsmoking room. I also said I needed a room on the ground floor due to a XXXX injury. I accepted the room on the third floor because the room had already been paid. However, a few minutes after taking all my belongings from the parking lot to the XXXX floor in XXXX trips by car, I noticed the strong smell of smoke after the doors had closed. I also noticed many other things. I wanted to leave when i started having XXXX and became ill. It was not until the morning of the XXXX of XXXX that i was able to physically leave. On the XXXX of XXXX I filed a dispute with Regions because the management said they do not give refunds ever for any reason and no exceptions. On the XXXX of XXXX, today, I was told on the phone that my money would not be refunded. I stayed in the hotel for two days, in which time I was very sick because management did not listen to my requests. I should not have to pay for this hotel. I paid {$1600.00} and I need my money back. I have suffered a lot due to XXXX XXXX XXXX and Regions. At this point, me and my son are XXXX with no money at all. In addition, regions is holding money from my son for no reason at all and have given both os us a really hard time and made false accusations against both of us in the process. I feel tremendously XXXX profiled and XXXX against.
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: 2022-05-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: do not know what this debt is for it is not mines
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 389XX
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Date XX/XX/XXXX Time XXXX PM To CFPB, On Wednesday, XX/XX/XXXX, I went to Regions Bank on at XXXX XXXX XXXX, XXXX, XXXX, XXXX. My XXXX and I are both active account holders at the bank. I endorsed ( signed ) the back of the check and my mother endorsed ( signed ) the back of the check because it was written to both of us. We presented our Regions card and drivers licenses, mine, and hers, to the teller. The check was from XXXX XXXX XXXX for {$7500.00}. The next morning, Thursday, XX/XX/XXXX, I checked my email and saw that Regions had sent a message stating that there was a problem verifying the identity one of the payees on the check. This did not make any sense because we are both account holders at the bank. We drove from where we were for XXXX hours to get to XXXX XXXX XXXX, which was the closest Regions from where we were. We talked to a lady at a desk, and she directed us to speak to the manager. The manager said she would call XXXX XXXX XXXX. We sat in the lobby for an hour watching her play on her phone in her office until we decided to go to her office and ask if any progress had been made. She said she called XXXX different XXXX XXXX XXXX, and no one was answering. Then she said that the check looked like a fake because the reason why the check was given to us was not written on it. We had already watched the security guard be aggressive to one of the customers that came in and the manager explained that security had to be rough with the customers from that neighborhood. I was having an XXXX XXXX due to XXXX and left. Later that afternoon an email was sent that an endorsement was missing, and the check would be held until XX/XX/XXXX. We went to Regions in XXXX XXXX at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. The bank employee had us sign unnecessary forms. She also took copies of our Regions cards and licenses. She talked to someone at XXXX XXXX, and she told us that someone in the back had made this error. She said it would be a good idea to fill out an endorsement form. I wanted to fill out a complaint form and she was just trying to do anything to protect the bank. The next day, Friday XX/XX/XXXX, my mother received an email that the copy of her drivers license wasnt acceptable and requested her to send it again. My mother stated all the trouble she had been through in an email and the bank employee told her she wasnt levelheaded and instead of complaining it would be easier to just send the drivers license to her. The bank employee completely disregarded the past couple of days spent to try to please and appease the bank as nothing to be upset about. For the fifth time, my mother sent the drivers license again. All this trouble was for nothing because the bank sent me another email that evening which said that the funds would still be on hold for the XXXX days. The Expedited Funds Availability Act of 1987 mandated those local checks be hold no more than XXXX business days. After 2010, all checks in the United States were considered local and the checks could be held for 5 days. As a result of Regions actions, the act has not been honored and the time has lapsed to release the funds. Finally, me and my mother have become homeless from the bank not releasing my funds and from the bank not providing the services to me as a customer and to my mother as a customer. I was treated like a criminal and told the check was a fake. I wasted a lot of time and energy trying to get money that is rightfully mine. My mother was treated like a ghost that does not exist. I would like to have this matter solved as soon as possible. XXXX XXXX
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: 2022-05-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XXXX XXXX, 2022, I stepped to stay at XXXX XXXX in the middle of the country, on my way to XXXX. I had to stop because it was night and there were no lights on the roads. I was given room XXXX, but when I tried to turn on the heater it was not working. I asked the receptionist to move me to another room and she told me there were no other rooms available. I asked for a refund, and she said that XXXX XXXX doesnt give refunds. I called Regions bank and the bank told me that I need to wait until the funds processed to file a dispute on XXXX XXXX, 2022, I filed a dispute. I never received any information about the dispute. I finally, on XXXX, 2022, I was told that the bank decided to not refund me for the hotel stay, even though I sent pictures of the broken heater and room number and evidence I was at XXXX XXXX from my mobile device, At that point, I asked for it to be put in writing that I wouldnt receive a refund with an explanation and XXXX XXXX XXXX, told me that he wasnt going to allow his employees to put the explanation in written form. The result was that I left the bank disappointed and without a valid reason why my purchases werent being protected from merchants who called not maintain an expected quality of service for the price and product rendered. No one should be forced to pay {$91.00} for a single night in a hotel room without heat. XXXX is necessary basic need and is included in expected services provided by the hotel. In addition, I had other disputes in the past that were treated in the same manner. This is the first dispute that I am making a claim about.
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: 2022-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: # XXXX, has violated my rights. 15 USC 1681 Section 604 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29045
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Regions Bank put a hold on ( 3 ) settlement checks that were [ Cashiers Checks ] on XX/XX/2021 to date. The ( 3 ) settlement checks deposited on XXXXwere [ Cashiers Checks ] and no hold should be placed on Cashiers Checks ] accordingly to other Banks. Its against the law to put a hold on Cashier Checks and hold them without just cause. Regions Bank willfully did not accept XXXX XXXX XXXX Durable Power of Attorney/UPOAA pursuant to Georgia Law XXXX Region declared fraud, irregularity and finally admitted Regions Bank will not accept XXXX XXXX XXXX Durable Power of Attorney/UPOAA. Region Bank did not send the Cashiers Checks ] back to XXXX XXXX XXXX once Regions refused to accept XXXX XXXX XXXX Durable Power of Attorney/UPOAA pursuant to Georgia Law XXXX Regions froze all XXXX XXXX XXXX accounts, Personal and Business without notice, holding all his funds. XXXX XXXX XXXX debit cards was cancelled and could not be used to purchase anything. XXXX XXXX XXXX admitted to Regions Bank he has Durable Power of Attorney XXXX as agent for XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX pursuant to Georgia Law before depositing the ( 3 ) settlement checks that were [ Cashiers Checks ] on XX/XX/2021. Regions Bank did not admit anything was fraudulent, irregular and Regions Bank would not accept the Durable Power of Attorney XXXX as agent for XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX at all while the XXXX XXXX XXXX was making the deposit into his personal account as agent and made the deposit into his personal account that day. XXXX XXXX XXXX has cooperated and complied with all Regions Banks requests to resolve this matter without any success. Regions Bank continues to hold two ( 2 ) settlement checks that are [ Cashiers Checks. CONCLUSION Regions Bank willfully accepted the ( 3 ) settlement checks [ Cashiers Checks ] from the XXXX XXXX XXXX and deposit the ( 3 ) settlement checks [ Cashiers Checks ] into XXXX XXXX XXXX personal account because there were no known irregularities or fraud to prevent the deposit. Regions Bank did not indicate at that time during the deposit of any irregularity or fraud that would prevent XXXX XXXX XXXX from making the deposit as agent. The deposit taken five ( 5 ) minutes or more without any mention of any irregularities or fraud by Regions Bank. Regions Bank was made aware that it was ( 3 ) settlement checks [ Cashiers Checks ] in the amount of {$5500.00} each being deposited into XXXX XXXX XXXX personal account as agent for XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. Regions Bank admitted that the first {$5500.00} would be available after midnight, XX/XX/2021. And the balance would be on hold for XXXX ( XXXX ) days due to the amount. Regions Bank was very aware that the checks were ( 3 ) settlement checks [ Cashiers Checks ] and continued with depositing the ( 3 ) settlement checks [ Cashiers Checks ] into the XXXX XXXX XXXX personal account. XXXX XXXX XXXX admits that Regions Bank was aware that XXXX XXXX XXXX had Durable Power of Attorney as agent that day, XX/XX/2021 to act accordingly pursuant to Georgia Law, under the UPOAA,. The Durable Power of Attorney [ UPOAA ] is in accordance with Georgia Law, and Regions Bank was made aware and admitted it was ok to make the actual deposit that day XX/XX/2021. The ( 3 ) settlement checks [ Cashiers Checks ] were properly endorsed in accordance with the Durable Power of Attorney/ Statutory Form Power of Attorney under the UPOAA, and verified by Regions Bank that day XX/XX/2021. Now, Regions Bank has alleged fraud and irregularities to justify. Regions Bank to put a hold on the ( 3 ) settlement checks that are [ Cashiers Checks ] Regions Bank has violated Federal Law and State Law by refusing to accept the Durable Power of Attorney/ Statutory Form Power of Attorney under the UPOAA XXXX after receiving all legal documents from XXXX XXXX XXXX to allow Regions to release the funds or send the ( 3 ) settlement checks [ Cashiers Checks ] back to XXXX XXXX XXXX XXXX Actions taken by my : I provide all legal documents as requested from Regions Bank. Actions taken by Regions : Regions Bank alleged fraud, irregularities and not release the {$11000.00} to date. Regions froze my personal and business account and have not unfrozen then stating they are still investigating. This has been going on since XXXX Contact Person : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regions Bank XXXX XXXX XXXX XXXX P : ( XXXX ) XXXX F : ( XXXX ) XXXX XXXX : XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I filed a complaint about not being able to set up autopay through the online banking. I decided to cut my losses and just do one time payments. I logged into my online banking on XX/XX/2022, two days before my due date, to do a one time payment of {$50.00} which was more than the minimum of {$25.00}. I went through the process to completion and for some reason the payment did not take. My correct routing and account number are in my OLB because Regions ' system picks up that it's an XXXX checking acct. I want all of my late fees waved and for Regions to investigate why I can not pay my credit card through my OLB which is their preferred method and my preferred method. If this method does not work or it is broken, fix it or do not offer it. I have all of my other credit card on autopay and haven't missed a payment with any of my credit cards in years except Regions. Regions is and has always been the one that is most difficult to pay and it seems for no good reason. Please check my log in records on my OLB. I logged in the morning of XX/XX/2022. Why would I log in just to not pay my bill?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70119
Submitted Via: Web
Date Sent: 2022-05-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: In XX/XX/2021, my husband and I started the process of securing a line of credit/equity loan on our home. We decided to work with Regions Bank as I had a prior relationship with them. I was specifically working with XXXX XXXX, underwriter, XXXX XXXX and XXXX XXXX XXXX was also involved in the process. There were multiple communications by phone and by email. At some point we were notified that that we were in the final underwriting stage and then all communication just stopped. This took place from approximately XX/XX/2021 - through about the end XXXX, end of XX/XX/2021. After communication stopped - both by phone and by email, I made a final reach out to determine what happened and was advised by XXXX XXXX that our application was denied. I stated that we had not received official documentation outlining the reason for our denial. XXXX promised to follow up with me from their underwriting team and that a letter would be sent. A letter was never sent and has never been received. We subsequently obtained a equity home loan from XXXX XXXX XXXX as of XX/XX/2021. Can the CFPB assist in helping us obtain the official letter outlining the reason for our denial? I do not want any hard checks on my credit report, just to have an understanding why this is. Additionally, in and around XX/XX/2021, I requested a credit limit increase on my credit limit on my Regions XXXX Card and avail myself of the multiple 0 % offers they provide as my balance was down to {$0.00}. Both of these were denied after hard credit pulls with no letter stating why the credit increase or the offers were denied. Isn't this in violation of the Fair Credit Reporting Act?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had set up recurring payment on their website twice for the credit card payment, the first time didn't work, and I called and pay the late payment, second time I set it up, this time to be sure, I wrote down a confirmation ( # XXXX ). but two months later, my credit report shown up a 60 days late on the account and had greatly impacted my score ( down 60-80 ). I called the credit card company and the representative had put an note on the account and told me the only way to get that out on my credit report is to file a complaint, and she had put notes on the account to help with the process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/2022 Tried to deposit a check for XXXX. Used mobile deposit feature. Of course it didnt work. App kept saying error after error after error. Contacted regions and they cant tell me why. I told them I used several different options they have available and still didnt work. Said I would have to take it in to the bank. I told them it was a payroll check from my retirement systems of Alabama. Its a monthly direct deposit same account and same amount.
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: 2022-05-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A