Consumer complaint received 2017-11-24
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello my name is XXXX XXXX and my recent problem started XX/X/17, I have two accounts with regions one of tellers and the XXXX branch recommended I try this for the way I had been utilizing my account Which i did find to be helpful. On XX/XX/2017 stopped at a gas station to get gas using my primary checking account check card but the card would not read in in the company 's pay at the pump machine. So because i was pressed for time I used my secondary checking account check card to purchase {$10.00} in gas after I transferred {$15.00} from primary to secondary account to cover the charge. and head back to work later that day I was headed to pay my rent checked my account three times before even attempting to use my check card on my secondary account and be cause I had also stopped at a family dollar and made a purchase {$3.00} left me with a balance {$1.00} and because I built a good relationship or so I thought with regions when ever im short or just want extra money I am able to overdraw my account with or without funds in the amount of {$240.00} which I have utilized this feature a few times paid back in full with {$36.00} dollar late fee attached which I have no problem with as I am aware of the charges applied when knowingly over drafting your account. so it total I should have had to pay {$270.00} which is the amount that showed on my app when I checked my balances which i do often to avoid any issues with my account well so after a couple of day I was checking my accounts because I get deposits often in my primary account I noticed that my secondary account 's balance had changed to - {$310.00} which I did n't understand so while checking my account I could n't figure out why it was that amount but because of family emergencies I could n't go the bank on the initial day that I noticed the balance but was I was able I went into the downtown location in Florida and spoke with a lead at the branch bout the extra charges on my account and after coming to a conclusion of how the charges were incurred the Representative told me that she would speak with someone to see if there was anything that could be done and she would let me know the next day well days later I try and reach out to the rep again and was told she was in a meeting and would call me back still no call from her not long after calling I check my primary account and money was missing from my {$31.00} was missing from my account with no trace of where the money went no description or anything on the online banking a day/days later I noticed to charges reading collections dpt ddaactive not sure of the exact day they started because the post dates and the day my money was withdrawn from my account without my knowledge do not match but on 4 different occasions withdraws in the amount of {$7.00} -- {$31.00} -- {$3.00} -- {$270.00} was withdrawn from my account for the first two of those four charges I had no idea what they were where they came from or by whom the were authorized so I call regions and speak with them regarding the charges and they send me to the collections department and upon speaking with them they told me that because my account was 15 day over drawn that regions had the right to withdraw money from any account I had with them to cover the overdrawn amount and they were able to take out as much or as little as they wanted and asked them if my account was closed/closing they told me at least 2 times that my account would close for sixty days even if it is over drafted I was given this information from a rep and his manager over the phone on if I 'm not mistaken on XX/XX/17 which by this time my account had already been charged twice so a couple days before my payday I finally speak with the lead rep who quickly rushed me off the phone in a very neglectful way stating it was nothing that could be done as far as the fee 's were concerned so when I got paid money was withdrawn from my account with no trail at all of where it was which I have pictures showing that it was almost like my money vanished into thin air until they decided to show the transaction so after all is said and done i 'm upset because they have just completely dis regarded me as customer or person in charge of my money and have done whatever they wanted to do with my money I try to transfer money into my secondary account which is now at a {$0.00} balance because of the unauthorized transfers and am unable to, only to find that they have closed my account which i did not know until i called the customer service number to find out why I couldn, t transfer into this account, and they told me that they had good news that even though the account was closed that because collections closed it at a {$0.00} balance that all I had to do was go into the branch and they would just reopen the account so I go to the branch near my home in XXXX speak with a rep and the branch manager only to find that it ca n't be reopened and they sent an email to the branch manager in XXXX XXXX and about an hour later I get a call from the very lead who could n't find the time to return my call after several attempts to contact her stating that she is sorry that this happened trying to deflect the situation to anything or anybody besides her and that branch asking me what can she do to make this right while at the same time stating that there was nothing they could do. I have never felt so out of control and taken advantage of as a customer or as a person in my life this has emotionally affected me if there is any one I mean any one at all who could help PLEASE DO I do have several more pictures but can only upload and other evidence of dates and times I spoke with people

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