Date Received: 2023-12-10
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I have been donating plasma for several months at octapharma plasma center in XXXX, Tx. On XX/XX/23 a withdrawal of {$360.00} was made from my pre-paid Comdata debit card given to me by the plasma center. On XX/XX/23 I called the # on the back of the card to file a dispute for the {$360.00} withdrawal. I spoke with a representative named XXXX who took my claim and said it would take XXXX business days to have the fraud department explore my claim. He kept repeating 21 days over and over and said I would receive an email updating me of the status. The card that was compromised was closed and the issued me another card. I checked my email everyday along with checking my account balance hoping my account would be credited. On XX/XX/23 I called again and spoke with a representative named XXXX who told me I should have received an email on the XXXX of XXXX with an update on my claim. I checked my email, spam and trash over and over and found no such email. I went over my email address several times with both representatives. XXXX said he would put in to have my email resent again so I could find out the status of my dispute. Once again I checked my email and spam everyday for XXXX hours and again found no response. On XX/XX/23 I called again and spoke with a representative named XXXX who gave me a case # but said he was not able to see the email that had supposedly been sent to me reporting my status. By this time I was angry/stressed and unsure of what to do to resolve my problem and didnt know if I was getting my funds back or not. I didnt want to give up so I called XXXX last time on XX/XX/23 and spoke with a representative named XXXX who finally told me my case hade been denied by the fraud department. I just want my {$360.00} back and want justice. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 762XX
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My mom originally opened her acct over XXXX years ago with Regions bank. In XXXX I was working and decided to open an account for pay paychecks to be deposited in. The bank required me to have my mom on the account they said until I turned XXXX. XXXX XXXX now and I have tried to remove my mom but the bank has refused. They said I would have to close down this account and start all over, which is a hassle with the amount of bills I have coming up each month. Approximately XXXX months ago I noticed {$54.00} missing from my account. I called the bank and was given a run around and a hassle just to access the information. Then I was told it was offset to pay my moms loan payment that was in arrears. I am NOT liable for my moms loan payment, that is her sole debt, I did not sign for the loan and Im not the responsible party. I requested the money be returned to me but the bank refused. Fast forward, yesterday morning when I checked my account I noticed {$410.00} missing. This money was allocated for my bills. They left me in the negative. I called the bank and they said they applied it to my moms account once again. I went round and round with XXXX, the collections XXXX. She was rude and condescending and wouldnt let me speak. I asked why we were not notified. She claims we were notified. I asked for the date of the notification and she changed the subject. She said we were notified on the day the account was open, over XXXX years ago. I do not feel that the bank has the right to take my money to pay another persons debt, that I did not agree to pay. Also this banks does it in a sneaky fashion by not sending notifications. Even IRS & Student loans give proper notifications before seizing money from an account. Now this morning I woke up to them taking another {$240.00} from my account. I do not know all the banking rules but have read that on joint accounts they cant pull money owed on sole debts that dont belong to me. I have more documents but I need to send them at a later date as they are not on this device. I will send these document that shows they credited my moms account with my debit. I also attached the only information I could find online that states that banks should not offset from joint account for a sole debt thats not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77471
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Other service problem
Subissue:
Consumer Complaint: I went into a Regions bank on or around XX/XX/2023 because I noticed some fraud on my account. My regions card was used fraudulently at XXXX online and I needed to dispute the charge and pick up a new card. While I was at the XXXX XXXX XXXX, XXXX Ga location I was informed that I qualified for a {$50.00} overdraft protection plan and if I was to go overdraft Regions will pay it and I wont have to pay the {$36.00} overdraft fees. Ive paid Regions XXXX XXXX XXXX in overdraft fees and I was under the impression since Ive done so and have been with the company so long it would be like an I earned it type situation. Im in the process of moving and credit requirements are set to get the place. I notice my Credit dropped over XXXX points for this so called protection plan. When I called to better understand how a protection plan is affecting my credit like this and WHY. they said it was a line of credit, which I was never told, and all I was paying was late fees. When I clicked on the account all it ever said I owe was {$10.00} like once a month and I paid it assuming it was a fee for having the protection plan, which also wasnt explained. I asked the lady what all I owed to be satisfactory and she first claimed I sent the {$50.00} from that account to my personal banking account which wasnt true so I asked her the date this happened she said back in XX/XX/2023. I didnt recall my bank going into overdraft because apparently the money automatically sends it there without any doing of my own and no type of notification that it was done. So at the end of it due to my desperate need to get my credit score up, I agreed to pay all dues. I was told it would be {$50.00} I paid. I went back on my account a few days later to see I owe them another {$16.00} plus XXXX everyday after the due date. I paid it but Im being taken advantage of at this point. I cant close this account because that would also report negatively on my account. Could you help?
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a checking account on XX/XX/2023 at Regions Bank at XXXX XXXX XXXX, XXXX, TX XXXX branch after registering for the promotion of {$300.00} bonus at webpage XXXX XXXX XXXX XXXX. When I opened my account, I confirmed with the banker that the promotion has been applied to my checking account. It has been 3 months, and I have met all the requirements for the promotion. However, the bonus still hasn't been paid. So I chatted with Regions Bank online banker through its website and the banker informed me that the above promotion was not applied to my checking account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78414
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XXXXwo fraudulent purchases were made on my Regions Bank checking account on the same day. Those charges were for {$97.00} and {$96.00}. I received a text message asking to approve one of the charges, I text no, and got a response back saying that your car will be canceled and reported as fraud. I then immediately called the bank to dispute the charges and they inform me that I had to wait for the charges to post. About Three days later both charges posted and I proceeded with submitting a claim. I recently received a letter saying that they are closing it and not reimbursing money due to, " our review found that the transaction appears to have been authorized ''. I called the bank back and they said that it is now responsible for me to do the rest of the research and then send them the information so that they can reopen the case. This is pretty much saying that they no longer will do a review unless i give them more information. I have no more information other than what I gave them. They said due to it being a contactless pay that it had to be approved and I somehow approved it through some type of phishing. I also want to note that these charges happened out of my home state. I live in XXXX and they say the charges were made in South Carolina. I asked them to reconfirm the location and they say that it's offline so they can't tell now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Trouble during payment process
Subissue: Lien release
Consumer Complaint: On XX/XX/2023, I entered the Regions Bank on XXXX XXXX in XXXX, Florida with enough money to pay off the loan balance in full. I had already called for the exact payoff amount. I was told in an email that the payoff amount was DUE DATE OF PAYMENT : XX/XX/2023 THE CURRENT UNPAID BALANCE IS : {$33000.00} PERIODIC FINANCE CHARGE THROUGH XXXX TOTAL PERIODIC FINANCE CHARGE DUE XXXX TOTAL AMOUNT DUE FOR LIEN RELEASE {$33000.00} XXXX XXXX, Relationship Banker II, brought me inside her cubicle. I was amazed to find out according to XXXX XXXX, that the email letter could not be retrieved from my laptop inside Regions Bank because this bank with hundreds of branch offices does not have wifi in the entire bank. So, XXXX XXXX called some phone number and got the payoff amount, which is the same amount I got in the letter. {$33000.00}. Using cash and every penny in my bank account, plus {$260.00} from my social security debit card, XXXX XXXX, an experienced banker who completely knew that I was there at the bank for the purposes of PAYOFF and LIEN RELEASE then got up from her chair, went to the tellers, and came back with a receipt for me, just a single receipt, in the amount of {$33000.00}. Naive about bank procedures for payoff of horrible loans, or any loan for that matter, I asked XXXX XXXX for reassurance. " Does this receipt verify that I have paid off the loan in full? '' I asked her. " Yes, it does, '' she assured me. " And the horrible insurance you put on my house -- this is now terminated as well? '' " Yes, '' she replied. " No more insurance payments? '' " No. '' " Well, where is the paperwork to verify all of that? '' I inquired. " It will come in the mail to you, '' XXXX replied. Most certainly XXXX XXXX knew that she was lying to me. I felt very uncomfortable since Regions Bank, XXXX XXXX, had previously lied to me about this loan/insurance to give me this despicable loan in the first place. I went home and made a call to the XXXX Regions Customer Service phone number. After much frustration I was able to get a live person. And this person told me the LOAN WAS STILL OPEN. " Why '' I inquired. " Because they ran it as a MONTHLY PAYMENT rather than as a payoff. '' " What can we do to solve this? '' I asked her. " All they have to do is re-run it as a payoff. '' But no. Regions didn't do that. Instead, they send me a letter saying there is an open investigation and the estimated Resolution Date is XX/XX/2023. This means that the loan is still open so that they can try to soak even more money and more useless, expensive despicable worthless insurance on me. I would like the CFPB to investigate and to read my previous complaint against Regions Bank because this intentional misrepresentation is further proof that Regions did me dirty in the first place by cancelling a perfectly good loan and giving me a predatory loan with despicable expensive worthless insurance after LYING TO ME and telling me that her friend, the insurance agent, would take insurance payments out of my bank account on autopay. That was a lie and then the worthless expensive insurance was placed on my house which almost doubled the monthly payments. I am so glad to be rid of REGIONS BANK and their predatory loans. They need to rerun my money immediately and remove their despicable lien from my home. I hope you will read my previous complaint about them which in greater detail proves the despicable predatory loan that they made me suffer through. This loan needs to be done and should have been done on XX/XX/2023. Instead, they are dragging this out so that they can look innocent and charge me even more money. Absolutely despicable. I am including the first complaint because now there is further proof and further evidence that I was telling the truth all along about this vile bank. Their last response letter skirted all of the important issues. This time, I want this horrible predatory loan to be closed out in full, with a release of lien letter, and an apology, etc. Just unbelievable what this bank does to people.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32607
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/ at XXXX XXXX I attempted to make a cash deposit of {$340.00} into the ATM at regions bank .. the atm screen showed an error message, my deposit was not debited to my account and the atm did NOT give me my cash back. I IMMEDIATELY tried to check my balance following the transaction to see if the cash was deposited and it was in fact NOT deposited. I then immediately called the regions customer service line and filed a complaint while still sitting at the ATM. I did not leave that atm until my claim was filed. Now almost a month later, I have received a letter stating their atm was in balance and they are taking my money. THAT ATM ATE MY MONEY. I WANT the camera footage pulled up and my money left ALONE. I will be filing more and multiple complaints with Regions until this is resolved. I took pictures of the ATM that caused the issue I immediately called without leaving the ATM. I want the camera footage if you can not fix this error on your own. That is MY money and their ATM made a mistake.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72143
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: We submitted multiple checks for escrow and scanned the front of the checks ( front only ) and emailed them to the contractor as proof of delivery. The contractor was fired from the project after delivery of the checks to escrow. The checks were written on XX/XX/XXXX and cleared our account on XX/XX/XXXX. I called our attorney to confirm he still had the original checks in his possession, which he did, still held in escrow The contractor printed the PDF 's that were emailed to him, cut the paper into check size and endorsed the back, which as a blank sheet of paper and proceeded to mobile deposit them into his Bank of America account. You can clearly see in the attached documents that the checks were printed on a printer, cut into size and the back is blank because it was a sheet of paper and not an actual check. We notified our relationship manager at Regions bank on XX/XX/XXXX regarding the fraudulent checks, she agreed they were fraudulent and informed me we had 60 days to file a complaint. The checks were on our XX/XX/XXXX statement so we were within the time constraints. Our relationship manager incorrectly filled out the claim so Regions internally rejected the claim twice in 4 months without ever sending the claim to XXXX XXXX XXXX. When Regions finally sent the claim to XXXX XXXX XXXX, at our request, XXXX XXXX XXXX paid 2 of the 7 fraudulent checks but the contractor had drained his account of money so the other checks didn't get paid. I've attached copies of the checks and a response from Regions regarding the claim. Regions still does not fully understand that the images that were mobile deposited are not of the actual check, they were photos of an image printed on a printer with no actual back of the check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63114
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: Was incorrect charged {$510.00} by XXXX regions bank only returned {$130.00} and charged me an overdraft fee of {$36.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30815
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Closing on a mortgage
Subissue: Fees or costs after closing
Consumer Complaint: I had used the VA Home Loan, and it required work to be done before I moved in, but the work wasn't done then and so it was left to me. The VA required the owner to put up for an estimated {$5000.00} and XXXX, so around {$7500.00} for all repairs. One contractor was to do all the work for around {$4500.00} except going over for the driveway replacement slabs. That handyman went missing and so the work was not finished by him. I had other contractors finish the work that I paid them with checks and was to send the invoices to the lender for reimbursement. The problem is that the lender paid out the one contractor that went missing for the full price and settled the account when he had not finished, and I had not sent in the invoices from the other contractors to finish the work. I need the lender to cancel that check, which won't be cashed, and repay me for the invoices of the contractors that finished the work.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A