Date Received: 2022-04-23
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: They have sent me a promotion to receive a {$400.00} Statement Credit when I open a new checking account. But when I attempted to open the account, they stated I had previously opened an account so I was unable to be qualified for this promotion. I previously tried to open an account online but I was told that the account was unable to be opened. I contacted them multiple times and they said the account was not opened. I have not previously opened an account with Regions Bank, so I should have the opportunity to take advantage of this promotion.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75070
Submitted Via: Web
Date Sent: 2022-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2021 I signed up for a corporate funding package with XXXX XXXX XXXX I paid {$3900.00} upfront fee to have a corporation setup and some files and things put in place to help me qualify for corporate funding. I never received any corporation formation documents or anything pertaining to anything we discussed. I became suspicious after he never called to give me any kind of update and would only respond to my emails here and there. Once I got tired of the excuses and the game of cat and mouse, I officially asked for a refund in XXXX five or so months after I'd paid. He then stopped responding to me completely and I reported this to my attorney at legal shield and they sent the first collection letter XX/XX/XXXX and the second one XX/XX/XXXX because he never responded to it. In between all of that and filing this complaint today, I reached out to my bank Regions and asked if the could reverse the transaction because I was scammed out of hard earned money and it is causing financial hardship. They said that because I imitated it they could do nothing. I explained that I was swindled and needed there help in retrieving the money that I'd wired in good faith but was being deceived the entire time. This merchant has disappeared it seems with my money and is not responding to any letters, emails, or texts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 390XX
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: XX/XX/2022 Received a letter from Regions Bank dated XX/XX/2022 ( attached ) stating I declined overdraft coverage on account I do not have with them. I called Regions Bank on XX/XX/2022 and was instructed to fill out an Identity Theft Kit. I don't know any other details other than the letter I received. The bank would not provide me any additional information other than to fill out the report and send to them. I also ran credit reports from XXXX agencies and neither showed any accounts from Regions Bank. Both reports listed known accounts for me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60564
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the items in my credit report. It has been well over thirty ( 30 ) days and I haven't received any investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38464
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: On XX/XX/XXXX I had unauthorized use on my debit card on the same day I called the company to report the amounts which were as follows, {$240.00}, {$530.00}, {$65.00}, {$84.00} and {$250.00} On XXXX XXXX I was sent an e mail from the company that they were providing a provision credit for the amount being disputed of {$74.00} which I do not understand given the amounts that I have indicated that are under dispute. In the email I was advised that it would take from 45 to 90 days to complete their investigation that's after my original reporting the incident it has been well past that point now and I was wondering could this office help me in this regard.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48235
Submitted Via: Web
Date Sent: 2022-05-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-18
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: XXXX XXXX XXXX and XXXX XXXX XXXX looked at several townhouses and properties with XXXX XXXX of XXXX XXXX in XXXX Alabama in XXXX and applied for a XXXX VA 30 year loan with XXXX XXXX of Regions Financial. They were both very nice real estate people but unfortunately my wife of 25 years and I were fighting during the process and decided not to purchase property at the time. About XXXX I was contacted by a mortgage fraud investigator from Regions Financial so I am describing a possible fraudulent real estate transaction after my wife XXXX XXXX XXXX and XXXX XXXX XXXX looked at several properties but unfortunately decided not to purchase. My US Passport was stolen in XXXX and my Alabama drivers license was stolen in XXXX so I was reporting possible I'd theft or possible mortgage fraud. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I sold my house, and paid the loan balance in full with the proceeds from the sale, yet Regions Mortgage inaccurately reports the payment in full as closed by either party.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79938
Submitted Via: Web
Date Sent: 2022-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-17
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received an email notification from a local bank about a new account that had been opened in my name. Then i got an email saying that the email address had been changed. I went to the bank that same day to resolve this issue. The account was in my name with the correct address, XXXX and email - the impersonator had used a fake DL with an incorrect DL #, and they changed the email to one that was impersonating me. The account was suspended that day.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75039
Submitted Via: Web
Date Sent: 2022-04-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-16
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/22, I stopped by the XXXX XXXX XXXX to open a claim for seven unauthorized charges that were on my account. I spoke to XXXX XXXX, a Financial Relationship Consultant. While I was explaining the situation to XXXX XXXX. I noticed that she was not paying attention to what I was saying because I immediately noticed that she was not making eye contact with me which I consider to be rude on her behalf. Indeed, she did ignore me because she kept asking me questions about the merchant when I spent a good ten minutes talking about the merchant. She was acting as I was making things up, she took a long time to create those claims. At the end, she kept asking me questions about how the unauthorized occurred. I'm not sure if XXXX XXXX needs more training at work or if she likes to work with customers. A few days later, I found out that the person that she was typing to that day of the claim was XXXX XXXX, the Branch Manager. Two days later, XXXX XXXX called me to inform me that he was going to close my account. Without hearing my side of the story he decided to close my account. Apparently the Consultant felt verbally aggravated by the way I was making my argument about the unauthorized charges. XXXX XXXX never asked me what was the reason that I was upset and how he can assist me in resolving my claims, instead he decided to close my account. Since XXXX XXXX closed my personal account, I'm not sure if I'm going to get my {$76.00} back because he closed the account. The {$11.00} unauthorized charge was for the XXXX application. I have a different card on XXXX 's files application which is XXXX XXXX and I never change it to the region 's bank card. Also, those unauthorized charges caused my account to go to a negative status and be charged {$36.00} dollars for overdraft fees. I strongly believe that XXXX XXXX and XXXX XXXX failed to handle my unauthorized charges issue in a professional manner. It's been XXXX weeks since I made a claim and I still have not received any notification about the determination taken on my claims. My remaining balance was {$140.00} prior to making the seven claims. There were {$76.00} unauthorized charges plus {$36.00} of overdraft fee which I kindly ask XXXX XXXX to refund to my bank account that was positive and failed to protect the customer account the way that it should be. This situation has been very inconvenient because I have not been able to make my monthly payments. I would like to know if I can re-open a checking account. I would like to know if I can be compensated for all the inconveniences and the bad treatment from XXXX XXXX and XXXX XXXX. On XX/XX/22 I spoke with XXXX, a Supervisor at the General Corporate Department in XXXX, Florida and opened an investigation against the Branch Manager XXXX XXXX and the Consultant XXXX XXXX. The complaint number is XXXX. Claim ID Total Amount of Claim Claim Type XXXX {$32.00} Merchant XXXX {$11.00} Merchant XXXX {$1.00} Merchant XXXX {$5.00} Merchant XXXX {$25.00} Merchant On XXXX XXXX I received a letter in the mail which states that they are not going to refund my {$76.00} instead I just received a Cashier Check for the remaining balance which was {$140.00} plus the {$36.00} overdraft fee a total of {$180.00}. I strongly believe that XXXX XXXX the branch manager of the XXXX XXXX location closed my account with the intention of not refunding my {$76.00} that is part of the unauthorized charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33127
Submitted Via: Web
Date Sent: 2022-04-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-15
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: The banks website reads that one can open an account online and get a bonus of {$400.00}. There is a code to be applied. I tried to open the account but the system didn't allow me. Basically it is sort of false advertisement. I got a screen that reads to call l XXXX. I was asked many times if the bonus was offered in another website. I told the customer service rep that it was offered from Regions.com at https : //www.regions.com/promo/paid-media-page/switch-to-regions? XXXX Page Reads : Here 's how to earn a {$400.00} bonus : Open a new personal XXXX checking account by XX/XX/2022. Get started by opening an account online with promo code XXXX, or register and present your personalized email voucher when you open your account at your local branch. * Enroll in Online Banking within 30 days of opening your account. Make {$1000.00} in total deposits that post to your account within 30 days of account opening. Deposits must be new to Regions. Your bonus will be deposited directly to your new checking account within 90 days of completing the above requirements.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78626
Submitted Via: Web
Date Sent: 2022-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A