REGIONS FINANCIAL CORPORATION

2019-07-19

MS

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: On XX/XX/2019 10 fraudulent charges totaling {$2000.00} were processed by Regions Bank. I called the bank to report the charges and was told I couldnt dispute them until they were posted. On XX/XX/2019 I filed the dispute and was told it could take up to 10 days to funds back into my account. This is unacceptable as it took less than 1 day for the funds to be taken from me. The charges were to XXXX in Indiana and I live in MS . I was told there was no way to expedite this matter and that basically there was nothing that could be done to return my funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-07-18

Bedford, TX

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Other problem
Complaint: On XX/XX/XXXX I noticed 11 different charges of {$8.00}, XXXX, XXXX, XXXX etc ... I immediately called Regions Bank because I noticed fraudulent activity on my account. I was told that since these charges were pending, I had to wait until the charges were approved in order to file a dispute. I then cancelled my debit card and ordered another card because I was not familiar with the charges. I knew I had been scammed! I then called Regions Bank and filed a complaint. While filing the complaint, I was told that I would be contacted within 10 days on a decision concerning the claim. After several weeks on receiving no answer, I called Regions and I was informed that I would not be receiving a refund because they deemed the charges authorized from the account holder. I vehemently disagreed with them and tried to resolve this issue. Those particular funds were sent to a " XXXX XXXX '' of which I do not own. There are a total of 11 consecutive charges on my debit card which is in itself suspicious. I would like these funds returned to me because I did not give any authorization to anyone whatsoever to charge me over and over of XXXX dollars! I was obviously scammed and Regions Bank is failing to see this. Again, I made no such purchases, neither did I give anyone permission to charge my card over and over for {$8.00}. Why would I then contact Regions immediately when I saw suspicious activity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-07-18

Eton, GA

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: Regions bank charges overdraft fees based solely on available balance. I was most recently charged 2 overdraft fees on transactions that brought my posted balance to a positive amount because there are pending transactions completed after the posted transactions, which will receive ADDITIONAL overdraft fees if a deposit isnt made. These charges arent based on anything other than the available balance being low, even though my actual posted balance was POSITIVE. Example : Starting balance : {$55.00} Pending transactions : {$25.00}, {$25.00} New posted transactions : {$25.00}, {$25.00} Despite the posted balance being + {$5.00}, I receive {$72.00} in overdraft fees, then an additional {$72.00} in overdraft fees when the pending transactions post.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-18

Jacksonville, FL

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: Hello, I am asking for help about unauthorized charges in my bank account, my account was frozen around the month reported in the process that I received multiple fraudulent charges, when my account was updated I reviewed all my accounts and saw multiple charges then I proceeded go to a regional bank branch to make a claim about all the fraudulent TRANSACTIONS in my accounts told me to wait 30 days maximum, wait time and call to know about the process they told me they canceled it they did not give me a correct reason so I decided appeal the case and now it is again in investigation please I need you to thoroughly review each fraudulent charges and return the funds to my bank account and I demanded information about the people who could have used my information in every charge I had in my account please demand that come back my money is the second time I am sending this complaint if you need more information do not hesitate to tactarme .. thank you for understanding ..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-18

Chattanooga, TN

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-17

Trussville, AL

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-17

Havana, FL

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Complaint: Regions bank took a duplicate payment from my checking account to apply to a credit card, which resulted in an overdraft and removed my access to cash that I needed from the overdrafted account. On XX/XX/2019, I attempted to make a payment on my Regions Bank credit card in the amount of {$550.00}, which was the current balance of the card. On XX/XX/2019 I noticed that the payment had not been taken from my checking account and applied to the credit card. On that day, I sent a secured message through Regions ' website asking about this. The response I received did not actually address my question, so I sent an additional message restating the question later that same day. Regions responded my message, informing me that that there was an error with the payment and that I would need to make the payment through an alternative method. Specifically, they stated : " XXXX XXXX Banking is experiencing a known issue involving credit card payments made online from external accounts. At this time there is not an estimated time of resolution. '' and " In the mean time you may mail payments to the address below, visit your local branch, or call us at XXXX. You can make payments through our automated system from your Regions deposit account, or speak to an agent to make your payment by phone. '' Instead of attempting to make another payment that day, I decided to wait and try to make payment again online, as I have always done, a few days later. That payment attempt was successful. Today, XX/XX/2019, I checked my checking account and found that it was overdrafted and that Regions had taken not only the second attempted payment, but also the first attempted payment, which they had specifically told me I would need to pay in a different way and that there was an error with that payment. I relied on Regions ' statements that the first attempted payment resulted in an error and that I was required to use a different method to make a payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-17

Knoxville, TN

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Money was taken from your account on the wrong day or for the wrong amount
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-17

Berkeley Lake, GA

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-16

Bremen, GA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: On XX/XX/19 I deposited a check for XXXX from my husband account the funds cleared on XX/XX/19 was told there was a hold on the check because its a new account I deposited a new a check on XX/XX/19 for XXXX the bank is holding my funds and is refusing to give me my money and both checks cleared on the account it was written on.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-07-15

Arvada, CO

Fees or interest

Credit card or prepaid card: Store credit card

Problem with fees
Complaint: On XX/XX/19 I attempted to contact the company regarding an unfair late fee and interest I was charged. On XX/XX/19 I had a bill for {$590.00} due and submitted my payment on XX/XX/19, but they did not process or consider processed until XX/XX/19. I was then charged a late fee of {$150.00} plus interest on it. I feel that the {$150.00} late fee is beyond unfair when I have always paid my balances in full. I asked if the fee could be waived and they told me nothing other than why there was a late fee on XX/XX/19 from XXXX XXXX. on XX/XX/19 I was then told the late fee could not be waived because it was waived prior. I re-explained that yes it was waived 2 times before but not to my fault. Previously I had submitted a payment in which you all said that it was rejected from my bank. My bank never rejected it and they wrote a letter stating such and I did a wire transfer for payment immediately to correct while I was out of town. It took you all a while to waive the original late fee which then caused a 2nd late fee and that is why 2 late fees are shown as waived, but due to no fault of my own. The same day they told me that the fee would no be waived I was told I needed to email a separate email to close the account. On XX/XX/19 I sent an email asking for the account to be closed and got a response from XXXX XXXX asking why I wanted to close my account. I told them why and on XX/XX/19 she responded stating she would close the account. Since then I have emailed several times to verify that the account is closed and if the balance was waived or owed or what and I can get no response. In addition if anything has been reported negatively to credit I would like it reversed, as I can no get into my account online and I have gotten no response to verify the account is closed and if they waived anything or a balance is owed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-07-12

Pulaski, MS

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: I checked my account online on XX/XX/19 and notice XXXX debit card transaction that I did not make. I called Regions ' Bank XXXX Customer Service Dept. The associate review the transaction and advise me that my debit card was compromised, she then immediately closed this card and is re-issuing another card with a new pin. I went to the local Police Dept. to file an official report and my wife went to XXXX 's Bank to see if we could get this reported to them and our money back. The customer service representative stated the items were in a pending status and there was nothing she could do until they post to the account and we could be looking at XXXX weeks. The fraud caused all of our money to be taken as well as future XXXX deposits from my vendors. I had planned a trip for my grandson this weekend as he is turning XXXX XXXX XXXX and have never been to XXXX. I have gotten absolutely NOWHERE with Regions, just there is nothing we can do. I told them that if the items are still pending, why can't they simply not pay them against the account. This is XXXX items totaling {$2800.00} and I have a total of {$280.00} in XXXX charges so when my XXXX deposit of {$2400.00} post to the account, because it is overdrawn it will absorb this money as well. The Tropical Storm is approaching and I don't have money to buy gasoline and Storm necessities. This is just wrong, that a financial institution can't do anything. I was told by customer service at the XXXX number, that they just missed this fraudulent transaction, because I did ask if they had anything in place that alerted them of out of country transaction. She further stated that perhaps I could " get a loan ''. I just need satisfaction of this most unfortunate issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-07-12

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-10

AL

Problem caused by your funds being low

Checking or savings account: Checking account

Non-sufficient funds and associated fees
Complaint: Since the beginning of this year, Regions bank has deducted {$5700.00} in fees from my accounts which I feel have been excessive. I fell on some hard times financially and I admit that my accounts got overdrawn. However, over {$5000.00} in fees has caused me to keep being overdrawn thereby causing additional fees. It is a viscous cycle that I have no way to rectify. I am on a XXXX income from Social Security and can't put enough money in my accounts to overcome the {$5000.00} + in fees. I have called customer service, written a letter to the bank, complained on their messaging system and they have given me token refunds ( {$400.00} ) which does not address the real problem. If I continue to get fees, I will continue to be overdrawn. If I had the $ 5000+ in fees back in my account, I would obviously not be overdrawn. I feel Regions is being unfair to me and is not willing to address the real problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-10

Reynolds Station, KY

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: First instance occurred w/ regions bank was on On XX/XX/2019 my purse was stolen out of a shopping cart, which resulted in many of my cards being stolen and used. When I noticed my purse was missing I cancelled all of my cards but couldnt dispute any transactions when the following Monday when they posted. XXXX dollars was withdrawn from my account. I filed a dispute and was denied b/c they wont except the police report AND the detective working the case has called several times and spoke w/ the supervisor himself. The second instanced occurred on XX/XX/2019 and I personal sat down with the branch manager and told him remove overdraft protection and I dont want nothing paid. I told him the representative said she removed it a week priory and she didnt and I was charged XXXX dollars in overdraft fee when the lady said she removed it. He promised he took care of everything and nothing will go through if no money isnt in the account. I woke up 2 days later and notice I was hit with XXXX dollars worth of overdraft fees when the branch manager of XXXX Indiana promised nothing will go through! Regions has being doing shady transaction moves allowing things to go through when your not opted in. In the past 2 month I been hit with almost XXXX dollars worth of fees!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-10

TN

Problem caused by your funds being low

Checking or savings account: Checking account

Non-sufficient funds and associated fees
Complaint: I went to the ATM at Regions bank on XX/XX/2019 around XXXX EST. I went to put {$290.00} cash deposit in the ATM to pay a bill with. When I arrived to the ATM, I put my card in, hit make a deposit, and put the cash in, as soon as I did, the screen went black on me, so I got on my app and it said the deposit went through, so I went on my way. I paid my bill with that half of that money that night. On Monday XX/XX/XXXX, it still showed I had about half that cash deposit in the bank. I used my debit card to buy a drink at XXXX on lunch, dinner at a XXXX restaurant, a small purchase at a grocery store, and then I had to get XXXX $ cash out the atm and still showed a had around {$30.00} still in there. On Tuesday XX/XX/XXXX I checked my balance ( I do it daily ) and It said I was in the negative XXXX and some change and that included 4 overdraft fees of {$36.00}. I freaked out and went down to the nearest branch to file a claim, lady at the bank, saw I made the deposit on her end, but it didnt show on my app anymore?! I made a claim and said it should be processed between 1-3 business days. Well with the XX/XX/XXXX being on Thursday, it didnt help much. I called on Wednesday XX/XX/XXXX to check in claim it still was in review, XX/XX/XXXX was of course a holiday so I couldnt call, Friday XX/XX/XXXX I called and still in review. While it was still in review on Friday I got my paycheck and with me being in the negative now XXXX for 2 other XXXX $ overdraft fees for using my debit card earlier that week, with XXXX, and grocery store. It took the majority of my check, leaving me with XXXX $ for 2 weeks until this was resolved! Im still late on rent and after the XXXX, my apartment charges a late fee, which was 10 % of rent. Plus I had to put some on utility bill and pay 1 more other bill!!! I wouldnt be in this mess if the bank didnt XXXX my money up. Anyway, The weekend I didnt call because it was not business days. Monday XX/XX/XXXX I called in the morning and lady at customer service center said still in review so I called the lady at the branch and she was out so I left a message for her to call me back and she never did! So I called that evening at customer service center and A lady I talked to was very rude to me about my situation so I just hung up and would call back in the morning. XX/XX/XXXX, I called at XXXX something in the morning EST. Lady who I talked to was the only person that actually helped me! She said the lady at the a bank didnt put the claim in correctly and so it didnt go through?! So if it didnt go through the first time, why were the other people telling me it was in review?! Anyway so I explained to the lady I was late on rent, Ive been charged a late fee, and that it was also my sons bday today and so she expedited my claim and I got a phone call from resolution center and they put my XXXX $ worth of fees in my account but still waiting on my claim to process throughout that {$290.00} so they can put it in my account or so they say. I have been so stressed out over this, Im a single mother of XXXX kids and I live paycheck to paycheck at the moment to pay my bills and make sure everyone is happy. I have lost sleep over this, my work performance has been poor due to the stress I have over this! This should have been resolved by now!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-10

Berkeley Lake, GA

Problem caused by your funds being low

Checking or savings account: Checking account

Non-sufficient funds and associated fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-07-09

Oxford, GA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: XXXX XXXX XXXX XXXX located at XXXX XXXX Rhode Island places an inquiry on XX/XX/2018 Region Bank located in XXXX Alabama, XXXX XXXX XXXX XXXX XXXX has many unauthorized inquires appearing on all 3 of my major credit bureaus. The FCRA protects consumers against these unlawful practices. I have requested that this inquiry be removed from my credit report unless they can provide a signed application and a copy of my government issued ID.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-09

Sylvester, GA

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: On XX/XX/XXXX I received an email regarding a purchase confirmation on my XXXX account. I di not make this purchase so I immediately looked at my checking account with Regions Bank and saw this charge as well as two charges to XXXX for purchases that I did not make. I called my bank and notified them that my card and accounts had been compromised. At this point, only one transaction had cleared and two were still pending. They opened a dispute for the charge to XXXX that had cleared but told me that I must wait until the two pending charges had cleared before I could open a dispute for those two. On XX/XX/XXXX I was charged an NSF OD fee of {$72.00}. On XX/XX/XXXX I was charged an NSF OD fee of {$180.00}. On XX/XX/XXXX I was charged an NSF OD fee of {$36.00} and on XX/XX/XXXX a paid overdraft fee of {$140.00}. All these charges were a result of the pending fraudulent charges on my account because my previous made charges were coming through while these pending amounts were still there. I contacted XXXX who was able to refund one of the charges on XX/XX/XXXX ( 6 days after the charge was made ) On XX/XX/XXXX I was able to dispute the two charges that had been pending for 5 days as they had now cleared. I contacted my bank again to dispute these charges. I received notice from my bank on XX/XX/XXXX that they did not find the first charge to XXXX fraudulent. I faxed in a login history for my XXXX account showing login attempts in XXXX, XXXX, California, and several attempts to change my password. I then received notice from Regions Bank that they would not refund the two fraudulent XXXX charges even though I sent in the order confirmations where the hacker was ordering mattresses and shipping them all over the united states because they said XXXX refunded them to me. XXXX refunded one charge only but this was 6 days later. I visited my local branch on XX/XX/XXXX and explained what ws going on and provided all documents supporting. The branch employee told me that everything is done through a computer system and that is likely why it was denied. I have not heard anything since. I am now out {$640.00} betwen the thieves online and the thief, Regions Bank. I should not be charged {$430.00} in NSF overdraft fees from my bank that were a result of identity theft. I am the victim! I have contacted the XXXX Police Department to file a report but was told I would need an affidavit from my bank. PLEASE HELP!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-07-09

Madison, GA

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-09

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-08

Monticello, FL

Managing an account

Checking or savings account: Other banking product or service

Problem accessing account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-08

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-07-08

Foothill Ranch, CA

Unexpected or other fees

Credit card or prepaid card: Payroll card

Complaint: My XXXX son received his final compensation from XXXX XXXX, located in XXXX XXXX XXXX, California where he worked part-time while going to high school late XXXX, in the form of a COMDATA Pay Card. On XX/XX/XXXX, he checked his balance using an ATM machine and was charged {$3.00}, but was unable to withdraw any funds. He tried 5 different machines on the same day and each time was charged either {$3.00} or {$3.00} for the balance inquiry ( for a total of {$20.00} ). He was not informed of such balance inquiry charges by his former employer or COMDATA. On XX/XX/XXXX, he withdrew from the card at an ATM machine and was charged {$3.00} on a {$280.00} draw. He told me about the fees and I contacted COMDATA multiple times from mid-XXXX through late XX/XX/XXXX and complained about the charges. Each time, I was told that the credit has been approved but will take 5 to 10 business days to show up on my sons account. The refund was never credited to his account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-07-08

Grangeville, LA

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: Regions Bank ran a promotion last year to open a Business Checking Account and receive {$300.00} bonus. I opened an account in branch on XXXX XX/XX/XXXX for my sole proprietorship business. I received my Visa CheckCard in the regular mail 11 days later. So, I began, in earnest using my card to achieve the required 10 transactions within the remaining 19 days after account opening. My first use was on XXXX XX/XX/XXXX and it posted XXXX XX/XX/XXXX. The next use was on XXXX XX/XX/XXXX but did not post until XXXX XX/XX/XXXX because merchant didn't charge until items shipped. Every transaction after this posted to the account within 2 days of the charge. Even charges on XXXX XXXX and XXXX XXXX ( during XXXX holidays! ) posted the next day ( not business day ). So, I had a reasonable expectation that my final transaction on XXXX XX/XX/XXXX would post within 2 days to meet the bonus requirements. I waited the required 120 days after the final transaction for the bonus to post. When it never did, I went to the branch to question why. Upon subsequent checking, the bank indicated that my account didn't have the bonus incentive attached to it. I had all the documentation to get that fixed and I waited. At no time was I ever told that they were going to deny me the bonus because the last transaction didn't post until after the initial 30 days had expired - something I had no control over, but the bank did. My expectation was 2 days to post based upon the previous 9 transactions. While I was waiting for my branch banker to find out what was happening with the bonus, I did not have the use of my funds without jeopardizing the potential bonus or paying a monthly fee. I had to keep the account open another 3 months just to be told XXXX XX/XX/XXXX that I was not getting the bonus. At no time prior to this was I ever advised that I wasn't getting the bonus. Seems pretty shoddy that a bank that wants me as a customer would not, in this case, overlook their failure to : 1 ) get me the Visa CheckCard within 5 days ( which is normal according to branch banker ) so I could start my transactions sooner, and 2 ) to post a final transaction to the account within the normal 2-day time frame and award the bonus, at least, as a goodwill gesture to keep a customer. In the promotional literature with the bonus advertising, Regions says their goal is to be my new bank and that once I experience their award-winning customer service, I will become a long-term customer. Ain't happening.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response