Consumer complaint received 2023-11-10
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I was attempting to make a purchase from XXXX XXXX. I did not know that the website I was using was a scam and fraudulent. I found out after the fact. While placing the order I was signed up for their " rewards club '' ... I set it up using my email and a password. My mistake was that I used the same password that I use for my XXXX. I wanted to call the company about the order and was not able to find any valid contact info. Every email I sent was returned with a message saying it was not a valid email. There was not a good number and when I called the legit XXXX 's I was told about the scam. I XXXX it and got a hit instantly that the website was a scam and was not affiliated with XXXX 's at all. When I disputed this transaction with the bank, they would not help me and asked me to contact the company ( Really??? ) and have them give me something in writing that they were not going to refund my money. # 1 I have no contact info. # 2 It is a scam! I did file a dispute and called Regions. The first girl I spoke with I explained to her that I thought I was on XXXX 's website. They used deception to gain access to my account information. My account had been compromised. The girl did not close my account. She did not turn off that card. Fast forward to XX/XX/2023 and I get 2 more charges on my account from 2 XXXX charges. So now I have the {$49.00} charge from the fake XXXX XXXX on XX/XX/2023, which got me a {$36.00} overdraft fee ... .then a {$96.00} XXXX charge on XX/XX/2023 and another XXXX for {$58.00} and a {$100.00} overdraft fee for those charges!!!! I call Regions, speak to a lady in the fraud department. The logic is pathetic behind why my claim was denied. First off, she tells me it is not fraud because I provided my info. Second of all ... .I never gave XXXX my card info to begin with!!! I tell her the definition of fraud includes using deceptive means to access my account for theft. That is exactly what they did. They deceived me for financial gain. She tells me to send a confirmation email from the merchant. I say ok, because at that time I knew I got a comfirmation from the merchant when it all happened. I log into my XXXX, and my XXXX was completely wiped out. I had absolutely no email. None. I knew that my email had be compromised too because I had over XXXX emails the week before when I logged in. I had emails from my son who had passed away that I kept for myself. Pictures of my son ... Those are now gone. I was livid. I changed my password on all my accounts because I do not know the extent of what they have compromised. The lady at Regions defended the first girl saying that I did not request the account closed. I voluntarily gave the merchant my info, so there was no fraud. I disagree. I want my money back. I want the late fees taken off. I should not have to fight to have my account protected.

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