Date Received: 2022-03-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have been with this bank for 20 years and have had maybe one fraud case before. I was locked out of my account recently and waited and waited for close to an hour without getting anyone to get back in so I hung up. About 3 days later, my regions card was declined, which is odd, since I have over XXXX put into my account a month. I finally got into my account and found I was hacked with charges from back in XXXX for around {$3000.00}. I went to the bank and put in a claim, since I had no idea of the vendor and wanted to dispute. I put in the claim on Monday and received a small credit of about XXXX that included fees. I went to the mailbox today and received 4 pages of explanations of why they denied the claims. Now, these are some of the SAME VENDORS THAT THEY PAID EARLIER. I get an explanation of VERIFIED WITH CARD CREDENTIALS, which is false. Not one person called me, and some of the same vendors they credited my account back for and stated the items were paid and the claim was valid. The claim number is XXXX and XXXX. I am not one that sits there and looks at my account, since I put so much money in a month, but wouldn't the bank think it's odd that I was XXXX and NEVER contact me? This is BAD BUSINESS to not even investigate. It also states on the denial that NO REPORT OF CARD, THEFT OR COMPROMISE. These items are ALL online!!! I AM LIVID and BAD BUSINESS, not to mention the close to XXXX they made on me on OD Charges!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2022-03-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I was hurt on job years ago needed help bank wouldnt help and turn account over to Collecting agent and showed write off on my credit report. I call Regions bank but they would not help me. I have payed this account off and I want it removed from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39213
Submitted Via: Web
Date Sent: 2022-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My name is XXXX XXXX and I am having some serious problems with my Regions credit card account. I have been making my payments online on time from my XXXX XXXX XXXX account but for some reason it is getting lost in the process. I just recently noticed that when I make my payment online using the Regions bank payment portal XXXX XXXX XXXX shows up as two separateaccounts, or should I say two separateinstitutions but the same account and routing numbers. Maybe this is what's causing the problem with my payments? I have included a screenshot of what it looks like when I make the payment. today I realized that my credit report is saying that I'm two payments behind and I have made payments on time since this account opened. If I need to repay that's fine but I do NOT want any negative marks on my spotless credit especially not now while I'm preparing to buy a house. Please help me to resolve this issue as soon as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 71201
Submitted Via: Web
Date Sent: 2022-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: About XX/XX/XXXX I called Regions Mortgage to make a XXXX payment directly to the principal of my mortgage. Over 3 times on the phone conversation I stated I wanted the payment to go only to the principal amount. After the representative completed the transaction again I stated so XXXX dollars going only to principal. The call was being recorded according to the representative. I waited until I saw the funds clear from my bank before I called back. The reason for the payment was to bring my total mortgage under 78 % of the original balance of the loan so that the PMI could be removed. I called on XX/XX/XXXX and asked my balance which did not reflect how much it should have if XXXX dollars went straight to principal. The representative informed me that the XXXX payment went to my XXXX bill of XXXX dollars and the remainder went to principal. I explained to the rep that the total amount should have went to principal. The rep informed me she would send someone a request to back it out and then apply it to principal. Instead of waiting on that I told the rep that the {$2400.00} I usually pay for my monthly mortgage payment I wanted to pay that amount to principal. Again on recorded line I was assured that the amount would go only to principal and not towards any monthly mortgage bill. Again I waited for the amount to clear my bank account before calling. Again I asked my balance and was told around XXXX something ( can't remember the amount ) which was still not under the 78 % of the initial loan amount so I knew something was incorrect. I was informed by the rep that the {$2400.00} was applied to my XXXX bill. Keep in mind I made the payment on XX/XX/XXXX, which is not even close to my due date for my XXXX bill. This time the rep told me he would back it out and put it to principal. I asked what my balance was and was informed that I had to give the system time to update. I do not think the errors were with the reps, I think it is with Regions payment system. If I would have never called back I would have not known for a month that the payments were applied incorrectly. Interest on the balance of a mortgage is not calculated at the end of the month, it it calculated daily. That is interest that I am paying, that I should not have had to pay because my balance should have been lower than what it was. I feel that this practice is deliberate and unethical.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33034
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022 I deposited a check in the amount of {$3800.00} using the ATM located at Regions located at XXXX XXXX XXXX XXXX, TN XXXX. The check that was provided to me is from the XXXX XXXX Assistance which helps individuals who are struggling with their rent and utilities. This organization is paying two months ' rent for me and my family which would stop the eviction process BUT Regions has put a 10-day hold on the check-in which I may be evicted. The email that was sent to me from Regions states " If you were not informed at the time you made the deposit that a hold would be placed on the funds, and the item you deposited is eventually paid, we will refund any fees for overdrafts or returned checks you may incur solely from the delay that we have placed on these funds. You may visit any Regions branch to get a refund for such fees. We are sorry for any inconvenience this may cause. If you have any questions about this notice, you can : '' I was not informed right away about the hold, after speaking with an agent at regions, she explained to me that once I deposit the check into the atm it will post the next morning are if I could make it to the bank before they close, I would be able to receive my funds right then. I did not make it on time so I did what the agent suggested by depositing into the atm. The funds did not post as she suggested, so I called back on XX/XX/2022 and was told by a different agent that they are going to hold the check until the XXXX of XXXX. I asked her why and she explained to me that is unusual for them to hold a check under {$5000.00} but that is what their system is telling her. I explained to her that is the second time this has happened to me at regions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37917
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Regions Bank is reporting a charged off account that they sold to a XXXX XXXX still having a balance {$1000.00}. The collections agency it was sold to, XXXX XXXX states I owe them {$550.00} for the debt to Regions Bank. I have disputed this item 4 times since XXXX 2021 to XXXX, XXXX, and XXXX stating this item from Regions Bank is reported incorrectly and they will not update the account. Regions Bank can not report a balance other than {$0.00} once they sell the debt. It is against the FCRA to not update my accounts or report correctly!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 508XX
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: My company awards incentive trips and contest during the year, our expenses and incentives are paid to us by using a COMDATA payment solutions master card. I do not use the cards when i get them but do before the expiration date. I pulled a card out on XXXX to use becasue it was set to expire at the end of XXXX. I called to activate the card on XXXX and after I activated the card i was asked to hold, a person came on the line and told me that the card was listed as lost. I said that the card was not lost becasue I just activated it and have it in my hand. The recording on the line said that my card was now activated adn I needed to create a four diget pin and give the expiration date and the security code on teh back. I told the person that the card ending with # XXXX had been in my safe until XXXX so it had not been lost. I asked her if the money had been moved to another card becasue I have several and an additional card number with the last 4 numbers was showing below the one that was supposidly lost when I looked on line. The person would not answer this question and said that I would have to contact my State. I again asked her what happened to the money and the card was not lost and had not been activated until XXXX, the line went dead, she hung up on me. I called back and talked to another person, I explained the same thing and she finally asked if I wanted her to send a replacement card and I said yes. She asked for my address and I gave it to her, she said no your previous address, I told her that this was the only address that I have had for the past 20 years. I told her that my company provides this card and it might have their address on it, I was then asked when I got my last paycheck, I asked her what this had to do with the card but did tell her the date, she was again confused becasue none of this information had anything to do with the card or issue. The person then said that they would call me back after they looked into this, she never called back. On XXXX I called again and went through everything the third time. This person again said that the card was reported lost on XXXX, I again said that it was not lost and it was just activated on XXXX. The person then told me that the card had been used when I kept asking her what happened to the {$700.00} that was put on the card. I asked how was the card used when it was not activated until XXXX, and how was it used when it was reported lost, at this point the line went dead again. I have made three attempts and have been hung up on two times. I checked another card that I have that has an expiration date of XXXX and it also says that it is lost but I have it in the original envelope in my safe, it has not been activated. It appears that if a card is not activated and/or used within a year or so after it is issued it is going to a lost status so there is an issue or fraud at some point. I talked to two supervisors after I started this complaint and they were not much help either, the last one told me that there was nothing that they could do and they could not help me. Based on this experience I would never use comdata npayment solutions for anything. Thansk for your help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2022-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-26
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: Received a fraud alert from credit company for possible fraud activity. They asked if I had made 4 purchases with credit card. I said no. I did not have a stolen card because it never left my possession. They closed the account and issued a new card. The problem is that they put the 4 purchases on the new card. They said it will take 30 days to make a determination. Dates were on XX/XX/2022. They were for {$100.00} XXXX XXXX XXXX. I believe they were in XXXX XXXX. I live in Fl. and have not left the state in many years. Extremely hard to reach credit card fraud dept of this co. Sometimes you are on hold for over 1 hr. They never call back. I call for update and am told they are looking into it. After all, they alerted me!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Made a check deposit on Saturday XX/XX/XXXX for {$180.00}. Monday was a bank holiday, so many were closed. I called a regions banker on XX/XX/XXXX and she told me my funds were suppose to be available that same day, she told me to wait at the end of the day because ( and I believe this is regions way of creating unbalanced checking for their consumers that decided to bank with them ). Well as of XX/XX/XXXX my funds are still pending. So it's been 4 days and 1 full business day since I made the deposit on Saturday. So this process is on purpose and it's pointless to hold such a small amount in limbo.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 365XX
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This is my second issue with this bank, the first one was for fraud that occurred and now I made payment for a loan that I had with them which should have been paid on a monthly payment of {$43.00} but since I had the fraud that occurred in XX/XX/2021 while I was out of the country for two months and I was not able to make payments and not able to use another account to make payment which regions say that I am not able to make an online payment for the loan, I had to go to a local branch, so tell me how am I going to go to a local branch when I am in the XXXX XXXX? however, when I got back to the country I contacted the branch manager at the local XXXX office to let her know what happened to me but instead, I was getting the third degree from her like I was at fault and she was being rude and I even sent her an email letting her know that I paid the entire amount of the loan because I just didn't want to deal with this bank anymore. As a professional she didn't even have the decency to email me back WOW, such a professional XXXX XXXX, not to even respond to an email. They closed my account and they never refunded the XXXX dollars that I open the loan with, now who's a XXXX Regions, I have proof and I have attached
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A