Date Received: 2022-02-20
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: ATM withdrawals while card in my possession and we're not made by myself and not permitted by myself for anyone else to do. Information other than what was told to me by phone representatives or found on website is unknown. Date : XX/XX/2021 Address : XXXX XXXX XXXX XXXX XXXX, Nevada ( 3 ATM withdrawals ) in the amount of {$280.00}, {$300.00} and third withdrawal {$400.00}. Date : XX/XX/2021 Address : XXXX XXXX XXXX XXXX XXXX XXXX, Nevada ( 1 ATM withdrawal ) in the amount of {$300.00}. Reported to the phone # on back of card and had card # changed. Case # XXXX and case # XXXX. I have been told that this dispute has been denied and that a letter had been sent to my email. I have not received any written correspondence and continue to call to ask why it was denied as it was reported on XX/XX/2021 when I first found out as I knew I had worked and gotten paid yet transactions were being denied for insufficient funds come to find out this was why. I spoke to customer service rep " XXXX '' employee # XXXX today to infact confirm that I understand correctly what I'm reporting in this complaint is accurate. He still is unable to say why and once more, AGAIN, he will request the denial letter be sent via email to me. I confirmed that they have correct email and mailing address but he said it. Can only be sent via email. I have not gotten anywhere with this. I have not gotten my money back etc. I've made a police report even though upon my first call to this regions bank I was told by regions bank the police report doesn't help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 891XX
Submitted Via: Web
Date Sent: 2022-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-19
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: They called saying I had a fraudulent charge on my card and commenced to asking information on the card and my account. They tried to set up a mobile card account on there phone but I was on the other line with my bank and had it blocked The number they used was XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80233
Submitted Via: Web
Date Sent: 2022-02-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: I opened a new account with Regions. I have all my cards on auto draft. It was hard to get in contact with anyone at Regions. It was even hard to set up payments over the phone unlike any of my other cards. I tried on several occasions to set up auto payment unsuccessfully with this company. Then I received a notice of a 30 day late on my credit. I was affected like most during Covid and explained the customer service and hard to set up automatic payments. I sat on the phone after talking to several representatives and one walking me through the process to set up auto payments and understood my frustration. She said she would put in a dispute to have removed. I received response 30 days later they did nothing. I have had XXXX of my new credit cards close my account because this late brought my score down because Im new to credit. XXXX card decrease my balance. I need this removed from my credit. I HAVE never been late on anything they can pull my credit. I couldnt set up auto payments because of their system and hard to get in contact with anyone. I need the 30 day removed from my credit, the representative agreed also but I received notice they were keeping the 30 day. System issues on their end, and hard to speak with representatives shouldnt be my fault. The representative that took the time to help me was over XXXX hour.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76028
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: Topic : Regions Bank is involved in misguided advertisements and collects hidden fees that were not disclosed with the promotional material. I received a promotional code ( XXXX ) from Regions Bank with an offer to receive {$400.00} bonus upon online account opening and making XXXX debit card transactions. In order to receive the offer i opened the account on XX/XX/2021 with online deposit of {$400.00}. Note : 1 ) I received debit card late for me to complete the XXXX debit card transactions. Some transactions got delayed posting on the account. 2 ) I called the customer service XX/XX/2021, inquiring about {$400.00} bonus. I was told that it is for the branch discretion if they would honor the {$400.00} as i have delayed posting to the account. 3 ) I was charged $ XXXX monthly fee for XXXX month. Upon calling the customer service i was informed that i should have minimum $ XXXX to avoid fees. I deposited funds through XXXX to be above {$500.00}. 4 ) I was again charged $ XXXX monthly fee for XXXX month. Upon calling the branch, i was told that the minimum requirement for the account is {$1500.00} or payroll direct deposit. This was never communicated to me in the promotional offer letter ( enclosed ) 5 ) I was told the branch representative will call to address my concern. I did not receive any calls from Regions Bank. 6 ) At this point, i wanted to close my account. I was informed that it will cost me {$25.00} to close account, if the account is less than 6 months from date of opening. This was never disclosed on the promotional card enclosed for reference. Regions Bank is operating a SCAM scheme of duping innocent borrowers with bonus offers and false advertisement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: While working with a construction company XXXX XXXX XXXX ) to have our newly purchased home updated with a new roof and siding we were directed to EnerBank USA to help finance the project. They offered us a 1 year " Same As Cash '' loan of {$65000.00} that would come due in full on XX/XX/2022 with no interest charged. If it was not paid by that date, back interest would be charged at 17.99 %. On XX/XX/2022 I directed my banks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to pay off the loan in 2 payments of {$57000.00} and {$8300.00} respectively. The check from XXXX was received by EnerBank and credited to the account on XX/XX/2022. The check from XXXX was not credited to the account until XX/XX/2022. On XX/XX/2022 I received a letter from EnerBank USA dated XX/XX/2022 stating that since I had not paid the account in full by XX/XX/2022, it was now considered a " Fixed Rate Installment Loan '' with a balance of {$66000.00}. Meaning that they had added {$8900.00} in interest to the balance. I immediately called the number on the letter ( XXXX ) and after 25 minutes on hold, spoke to an agent who told me that the only thing she could do was to refer the matter to the management team who would review the situation and call me back. On XX/XX/2022 I receive a call with their decision that would " graciously '' wave the back interest if I agreed to pay {$110.00} for the new interest that had accrued since XX/XX/2022. In order to stop the harassment, I gave them my XXXX bank account information over the phone to cover the interest charge. I have a " Letter of intent '' from XXXX that shows that the funds were withdrawn from my account on XX/XX/2022 and mailed in the form of a check ( because EnerBank USA does not accept electronic payments ) on XX/XX/2022 XXXX XXXX XXXX with an expected arrival date of XX/XX/2022. XXXX 's claim that it took 8 days for them to receive and process the payment is belied by the fact that check from XXXX was received and process in only 3 days. It is my contention that they deliberately delayed the processing in order to extort money from me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49341
Submitted Via: Web
Date Sent: 2022-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On XX/XX/XXXX, a complaint was made to CFPB ( XXXX ) and Regions Bank replied with incorrect information. A moratorium was resolved on XX/XX/XXXX, by XXXX. It was approved and it was indicated that the next payment would be in XX/XX/XXXX. The moratorium was approved for 2 months in XXXX and XX/XX/XXXX. Currently, delays of 30 days are reported for the months of XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX. The loan is paid as agreed from XX/XX/XXXX to the present XX/XX/XXXX. In the Credit Agency XXXX, XXXX and XXXX delays are still reported. In the reply from XXXX Regions, it indicates that the moratorium was given for XXXX and XX/XX/XXXX, when the bank has violated its own regulations, since the request for the moratorium was approved on XX/XX/XXXX. It is not possible to give moratoriums retroactively. In addition, they indicate that the account is reported correct from XX/XX/XXXX to XX/XX/XXXX, incorrect information because the error has not yet been corrected in the Credit Agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34786
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-12
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: XX/XX/22 - I received and email Regions bank stating Congratulations on your new account and included the last 4 digits of an account number. I went to the Regions bank website to get the phone number for their corporate office and called them. I spoke with a lady named XXXX. She said that I needed to report the account and complete an Identity Theft Kit with the bank, file a complaint with the Federal Trade Commission and freeze my credit through all XXXX credit bureaus. After I got off the phone with her, the next time I checked my email, I had received 4 more emails stating that new accounts were opened. XX/XX/22 - I called Regions bank corporate office again and spoke with XXXX. I notified her of the email I received, the phone call I had the day before and the 4 additional emails I received. She asked for my information and verified that a total of 5 accounts ( 2 checking and 3 savings ) were opened using my name, date of birth, drivers license number, social security number, phone number, email address and mailing address. She advised that I file a police report with my local police department and go to the branch where the accounts were opened ( XXXX, TX ) and fill out an Identity Theft Kit and request the accounts be closed. She said that she would freeze the accounts in the meantime. XX/XX/22 I went to my local police station XXXX XXXX XXXX Police Department ), filed a police report and gave the detective a copy of all the emails I had received. XX/XX/22 I froze all 3 of my credit reports through the credit bureaus. XX/XX/22 I received text messages from my personal bank ( XXXX XXXX XXXX ) about fraudulent activity on my account. There were 4 transactions to XXXX, 2 for {$100.00} and 2 for {$300.00}, but only 2 of the transactions were allowed to process, 1 for {$100.00} and 1 for {$300.00}, the rest were declined. I called the Fraud Alert Department with my bank and reported my bank card stolen. The representative asked if my card was still in my possession, which it was, so only the bank card information was stolen. My bank card was then deactivated due to stolen and a new card has been issued. XX/XX/22 I went to my bank ( XXXX XXXX XXXX ) and filled out the paperwork regarding the fraudulent charges, as well as provided the bank with the detectives information and my police report case number. XX/XX/22 I went to the Regions bank branch in XXXX, TX and spoke with XXXX. I completed the Identity Theft Kit paperwork and provided them with the detectives information and my police report case number. I asked for the accounts to be closed and XXXX stated that he was unable to close the accounts because they charge fees to close accounts and theres an investigation in progress. I asked him to verify that the accounts were frozen, because I was told they were on XX/XX/22 by XXXX, and he reported that none of the accounts were frozen, nor could he freeze them because everything had to be done through the corporate office. XX/XX/22 I went to the police department to speak with the detective and updated him on everything with the money stolen from my personal bank account and that I was told at Regions bank that they couldnt close the accounts. The detective called the branch, spoke with XXXX, and was also told that he was unable to close the accounts. XXXX said that he would have to call the corporate office but when the detective attempted to call the corporate office, there was no answer. The detective said that he would continue to work on it and requested that I contact my bank and request information regarding the XXXX address where the fraudulent transactions were made from and send to him. XX/XX/22 I sent an email to XXXX with my bank ( XXXX XXXX Bank ) to verify that she received the paperwork I filled out at the branch regarding the fraudulent transactions, and to request the information that the detective wanted. I was told that they will not provide me with that information. I sent her the detectives information and asked if she could contact him and provide him with the information. She responded and said that they will not provide him that information, nor would they contact him regarding this matter. She said the detectives should have their own ways of investigating and that they can not provide any of that information. XX/XX/22 I received 6 more emails from Regions bank stating that 6 new accounts ( now 11 accounts total ) had been opened in my name. I called the Regions bank in XXXX, explained what happened previously and what had happened today, she stated that she would attempt to close the 11 accounts, she doesnt know why no one was able to do it before, and she would call me back later. I called the corporate office, again explained what happened previously and what happened today, and inquired why more accounts were able to be opened, after I had already filled out all of their identity theft paperwork and requested several times for the first 5 accounts to be closed. At this point, I had filed all the paperwork they requested, missed many days of work trying to take care of this, and not only would they not close the 5 original accounts, they allowed 6 more accounts to be opened almost 2 weeks later. The lady I was speaking to said that she was waiting for her supervisor to respond then the call was disconnected and she never called me back. XX/XX/22 I emailed the detective to notify him of the new accounts being opened today. He called me and instructed me to file a complaint with the Consumer Financial Protection Bureau and with XXXX, then let him know when thats done. So 5 accounts were originally opened, the bank wouldnt help me for weeks to close the accounts, even after I completed their paperwork. Money was stolen from my personal bank account through transactions with XXXX. Then almost XXXX weeks later, XXXX more accounts were opened, bringing the total to XXXX accounts with Regions bank. Fraudulent Accounts : Regions Bank XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX. XXXX, TX XXXX My Personal Bank : XXXX XXXX Bank XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Detective with XXXX XXXX Police Department : Detective Sergeant XXXX XXXX Badge # XXXX ( XXXX ) XXXX XXXX Police report case number : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77566
Submitted Via: Web
Date Sent: 2022-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Regions bank regularly uses unfair accounting practices when direct deposits post at midnight usually they will run the outstanding debit charges first despite the pending deposit posting at the same time ; They will run the charges then count your deposit. It is unethical and almost criminal that they would do so, but it is clearly designed that way in order to incur NSF ( Non-Sufficient Funds ) charges on customer accounts. They have done say to the tune of over {$750.00} the past year despite my complaining and confronting them regarding this devious practice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2022 I mailed in a form canceling a product post dated within XXXX hours of signing the form as required by AZ state law. I also notified the representative that I dealt with via text and every agent that visited my home afterward that this plan had been canceled. On XX/XX/2022 an account was opened on my credit report for XXXX without my consent, after I had already canceled the plan. No work has been done, no audits were completed and no permits were filed and yet they opened up an account in my name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85120
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I received an invitation from Regions Bank to open an account and receive {$400.00} after qualifying transactions in XXXX of 2021. I opened an account, set up a direct deposit, and as of today 's date I have not received the {$400.00}. I tried calling to resolve this issue to no avail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32955
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A