Date Received: 2022-01-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2021 i was victim of a fraud where i tried to reach out XXXX customer service and ended up calling a spoofed number XXXX XXXX XXXX that presented to me as XXXX but it was a fraudsters call center. They also gave me the number XXXX XXXX XXXX. I asked that i wanted to process a return and they induced me to use XXXX setting up a recipient on my XXXX account to emails below : XXXX XXXX I ended up sending {$1300.00} to XXXX with transaction number XXXX. I have a police investigator working this issue ( Police report : XXXX ) and requested XXXX to provide the recipient bank that resulted to be Regions bank in Alabama. Police is asking now Regions bank to give details of the account owner that received the funds and we request to have the funds returned because they are fraudsters and they are stealing money from people.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80124
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/XXXX, I received an email offer from Regions Consumer Bankcard offering two balance transfer options. ( XXXX of original email attached. ) Offer one ( Region 's promo code XXXX ) was 0 % Annual Percentage Rate ( APR ) through your billing cycle that ends in XX/XX/XXXX. Offer two ( Region 's promo code XXXX ) was 1.99 % Annual Percentage Rate ( APR ) through your billing cycle that ends in XX/XX/XXXX. Transfers needed to be completed by XX/XX/XXXX, so I made three transfers in XX/XX/XXXX XXXX for {$560.00} to promo code XXXX, a second transfer for {$1000.00} to promo code XXXX and a third transfer for {$1800.00} to promo code XXXX. I also made an additional Transfer in XX/XX/XXXX for {$3400.00} to promo code XXXX. My concern was with the transfers to the 0 % APR promo code XXXX that ran through my billing cycle that ends in XX/XX/XXXX. I called numerous times to clarify how I could pay the balance off on offer one before it ended in XX/XX/XXXX without paying any interest and was told it was not possible because of the way they applied payments to the balances. On a call-in early XX/XX/XXXX, I was told to wait until the Promo rate ended in XX/XX/XXXX and pay it off in XX/XX/XXXX because then it would be my higher rate balance and my payment over the minimum due would be applied to that balance & I could call & get the few days of interest forgiven. So, I made two payments, the minimum, and an amount more than the balance in question. I get my XX/XX/XXXX statement and XXXX charged interest at 20.99 % APR on the balance I thought I had paid in full in XXXX. So, I called today XX/XX/XXXX, and their claim now is that promo I accepted ended in XX/XX/XXXX not XX/XX/XXXX as stated in email I received, and my payments posted in XX/XX/XXXX before the rate changed so they were applied to the balance with the higher interest rate not the balance I intended to payoff. They never wanted to see a copy of the offer I received and called me a Lier by inference.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34711
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX, I logged onto my Regions mobile banking app and found that Regions had removed {$3300.00} from my family 's general savings account and {$3400.00} from a savings account my wife and I opened for our son when he was born in XXXX. When I contacted Regions bank that night and then again the next day, Regions told me that someone had gone into two of their branches in Texas on XX/XX/XXXX, presented two private party checks payable to " XXXX XXXX '' ( my name ) in those amounts ( drawn on an account I don't recognize out of NY ), and been permitted to cash both of those checks because the Regions teller saw that I had enough money in savings to cover these two checks. The forger had written my SSN correctly on one check and incorrectly on the other check, and the signatures do not match my own. In any event, Regions accepted the checks in what I'd imagine was a hilariously clear violation of their own policies re : accepting checks considering the large amounts, non-matching signatures, incorrect SSN information, and me not having set foot in Texas in more than two decades. When Regions learned on XX/XX/XXXX that the obviously forged checks were in fact forged and that the bank had taken a loss of {$6700.00} as a result of not following their own policies, they removed that amount from my savings account with no prior notice to make the bank whole. In a pandemic, no less. I filed a police report, followed up with credit bureaus, and submitted all of the proper paperwork with Regions. Regions told me they had 10 business days to make a determination and credit my account. When I went in today ( day 10 ), the bank told me they actually had 30 days to figure out what happened and maybe give back the money they took from my account to " fix '' their mistake, at least as far as Regions ' bottom line is concerned. I've read the deposit agreement and can't find any provision that would allow Regions to accept a couple of ( patently suspicious ) forged checks in some lawless southern hellscape a thousand miles from here and then make themselves whole by pilfering my XXXX XXXX XXXX 's savings account. But you do you, Regions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47403
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: we have been in the XXXX XXXX since XX/XX/2021 and our arrival in that country has not been pleasant with robbery, etc. We have been robbed at our XXXX and we were refunded and were able to get another safer XXXX. We made contact with the local police and they just only came over to see what happened, they have no computer to write up an incident report the only thing they said is that be careful and they will keep on investigating around town. Now, come to find out that these individuals cops have their crooks working for them and they have fake cards that they can duplicate your cards. I did some research and on XXXX, they were the same kind of operation that dismantled a gang of credit card fraud. I only used my card for hotel stays and be live resorts and transactions in the united states. I never made any atm withdrawal or withdrawal at a casino. they need to show me proof of my signature and my passport number because if you are taking the money you need your passport and your signature. I need my money back. I have made several calls to Regions to let them know about the situation, I spoke with at least XXXX agents and I even gave them a local number to reach me for more support, they told me a supervisor will be in contact with me but he/she never did. Instead, they are being rude and not willing to help. I also have a loan with them and now they have caused my loan to be past due for two months due to the fraud that occurred in my account.
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: 2022-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-22
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I checked my online account three times XX/XX/2022 my water bill payment wasnt processed yet so I was going to deposit the funds XX/XX/2022 in the morning. I checked my account at XXXX and the payment was processed and a overdraft fee charged. It showed XX/XX/2022. I believe regions processed the payment at XXXX XX/XX/2022 and charged a fee the same time. Giving me the consumer no opportunity to deposit cash to avoid the fee associated. I spoke with the assistant manager at the XXXX office in Florida and she said I could come in and she would review the account because regions can waive one fee a year. I went in and she tells me its a rolling calendar year. She has no access to override it. I have an account with XXXX and this never Happens ever.
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: 2022-01-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, # XXXX ATM was used to check the card balance charging {$3.00} ATM fee. Then withdrew {$500.00}. Then another card balance charging another {$3.00} ATM fee. Then withdrew {$46.00}. Immediately called ComData ( XXXX XXXX payroll card provided to me by my former employer. ) I am located in XXXX XXXX and was home when I got the text alert at XXXX XXXX. I was on the phone and reached a live agent. I reported my card lost/stolen less than 10 minutes later to find out what was going on. I talked to XXXX who did not help me. I stayed on the phone for hours to reach someone. Kept getting hung up on. I spoke to a supervisor finally at XXXXXXXX XXXX. A replacement card was ordered but never came. I was assured that she would be on the case and that she would personally be reaching out and following up with a call to me. XXXX never did. In these incidents the card holder is required to report fraud w/in 30-60 days. They told me to call back after the transaction posted and that would take approximately 7 days XX/XX/XXXX. Which I did and they said that the fraud case had been submitted. Nothing else to report but be on the look out for an email from the fraud department which never came. I called on XX/XX/XXXX to check status of the case and not one agent or supervisor said they had any access to the case. I had to call again on XX/XX/XXXX to check on the replacement card which was re-requested and came a full month later on XX/XX/XXXX. which clearly was not the 7-10 business days that they had promised. Still again speaking to several agents and supervisors who never followed up with a call back as they promised. Called on the XXXX which was the XXXX day of the investigation which should have resolved but still no information to share. Called XX/XX/XXXX to be told that an email was sent of the resolution of the case on XX/XX/XXXX which were never rec 'd in any inbox, spam, trash, junk file in my email. Call disconnected no one called back. Called in next agent said that the email was sent on XX/XX/XXXX again nothing. Agents can only repeat that they have no access or direct contact to fraud department to be able to assist with continued resolution. Spoke to supervisor XXXX who took another email address and promised that she would follow up with a courtesy call back to make sure email is rec 'd. Also advised that we contact the fraud depart and provide them with proof that it wasn't me making these transactions. Why wouldn't a fraud agent contact me to do complete investigation and resolve. I've only taken cash from and ATM in XXXX. I mostly do POS transactions. I spent the holiday season waiting patiently for no resolution, no customer service, and Why does it take 28 days for a replacement debit card.. this has been the worst experience I have EVER experienced with a so called professional card company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95621
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On XX/XX/2022 I called Regions Bank from a XXXX result for HELOCs. After speaking with a representative, XXXX XXXX who took my information and submitted the application, I got a call back a few hours later, from the same representative, saying I was approved and they had given a counter offer of {$18000.00} before the appraisal, and it was guaranteed regardless of what the appraisal came back at. That is something at the time I had her confirm, so to be sure it was guaranteed. Then on XX/XX/2022 the appraisal came back lower than the XXXX XXXX, and they immediately closed my application, did not honor their word regarding the counter offer, and I believe the appraisal was a very poor representation of the other sales in that neighborhood, the condition of my house, and the current house market in the XXXX XXXX area. I have had no luck trying to talk to Regions about their lies and inaccurate appraisal, as they said the application is closed and there is nothing they can do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33578
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-20
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I just received a debit card from XXXX XXXX starting Friday, XX/XX/2022 as a brand new plasma donor. XXXX gave me a sealed envelope stating the card inside was mine and would be loaded with payment each time I came to donate plasma. Inside was the card, attached to a list of fees. I did activate the card that day, but did not use it. When I looked over the list of fees for using the card, " Bank teller withdrawal ( for banks participating in the XXXX XXXX ) '' said the fee would be {$0.00} to do this. This is the way I would like to receive funds off my card, as I will be taking the money to my daughter 's school for her tuition. The school does not accept credit/debit cards, so I needed the cash off of the card. When I saw this item on the fee list, I thought I would not have a problem doing a cash advance ( what the bank calls it ), at a bank. So, I did make a second plasma donation on Wednesday, XX/XX/2022. When I went to one of the two XXXX banks I use for cash advances ( my job also puts our paychecks on a card, but that is a different card company ), the teller said the card declined. She said I would have to go to another XXXX location because they can only run a card once a day, per branch. So, when I picked my daughter up from school, I tried the other XXXX bank I use and the teller there said my card was declined again. I had called the number on the card before leaving and I knew the money was on the card, so I was puzzled and aggravated that my funds were unavailable to me. Later on in the evening, about XXXX XXXX EST, I double checked the fee schedule, then called the card company, Comdata/Regions Bank XXXX to find out what was going on. I apologize, but I did not get the name of the representative who spoke with me. She said that the only way I could use money from the card at no charge is if I ran the card at a store. In order to get physical money back, I would have to pay {$.00} for cashback at a store, or {$1.00} at an ATM. I told her that it plainly states on the list of fees {$0.00} cost if withdrawn at a bank, she said no. We went back and forth but the answer was still no, even though I had this brand new card with the enclosed fee schedule saying that was the case. This is very, very upsetting and I personally see this as scammy. I don't feel I have to pay an ATM or store to give me my money that is owed to me 100 %!!! Especially if I have the paperwork that says I can do what I wanted to do. Not right!!!! By the way, the pay card from my job, which I withdraw cash advances from every two weeks at one of the two XXXX banks I referred to above, is a Mastercard. So, those two XXXX banks do participate in the XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 481XX
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Regions Mortgage continues to ignore the letters I have sent them clearly pointing out how they are in violation of two laws that I have proven and pointed out to them on more than one occasion, by stating to me that my dispute letter is a duplicate letter and that they are not required to respond, because this dispute is listed as an exception in section 12 CFR 222.43 ( b ) of the FCRA. Despite me informing Regions Mortgage that the recent dispute letters I sent them is not the same type of letter that they are referring to, they continue to completely ignore my letter alone with the evidence I have sent them that I also have attached to this complaint. I informed Regions Mortgage that they violated and are in violation of 15 U.S. code 6802 obligations with respect to disclosures of personal information ( c ). It states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise their nondisclosure option. I informed Regions Mortgage that the only thing they did was inform me that they may disclose my information to the credit bureaus but failed to inform me of my rights to exercise my nondisclosure option, and I attached the statement that Regions Mortgage first sent me that proves what I said is true, and yet they continue to ignore my letter, falsely claiming that its a duplicate dispute. If this was a duplicate dispute letter, Regions would only be showing how they ignorantly refuse to comply with the law. I also informed Regions mortgage that they are in violation of 15 U.S. Code 1681a ( 2 ) Exclusions, it states that a consumer report aka credit report does not include transactions or experiences, and because of these laws, I instructed Regions Mortgage that I do not want them reporting anymore of our Mortgage information to the credit bureaus until further notice, as this is our right as a Consumer under these mentioned laws. I also sent Regions Mortgage two invoices for a total of {$2000.00} for their violation of these laws, stating that under the FCRA remedy law, it is {$100.00} to {$1000.00} per violation, and because of the damages and stressful issues that Regions has put us through, I am demanding the max. I need for Regions Mortgage to honor the already invoices I have sent them and honor my instructions to stop reporting our information to the credit bureaus. I also attached a copy of the letter I sent Regions Mortgage in the mail that they keep ignoring. Nothing Further.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 720XX
Submitted Via: Web
Date Sent: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-18
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Regions Bank ( account initially opened in XXXX, TN ) has been charging my account a monthly fee of {$5.00} for account access for a 3rd party. I have several emails going back and forth trying to resolve the issue, and have been told it's resolved... only to have the charges continue to show up and Regions Bank continue to charge me the monthly fee ( which I believe will now go up to {$8.00} per month instead of the {$5.00} they have been stealing each month ). Their excuse each time is usually something like, " Well, this is online banking 's error ... '' I have several emails from the bank manager and her rep that I can supply as supporting documents. This is THEFT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37922
Submitted Via: Web
Date Sent: 2022-01-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A