Consumer complaint received 2017-10-04
Company: REGIONS FINANCIAL CORPORATION
State: TN
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:
XX/XX/XXXX was the last time i used my check card, then it was misplaced.On XX/XX/XXXX a check was deposited into my account for XXXX which was put into the atm as a deposit. That monday, XX/XX/XXXX the check was sent through the bank and between the 12-14 i received notification by mail telling me that i was in the negative by {$1800.00}. I went to the bank to investigate what was going on and they told me what happened. I told a manager them that i did not deposit a check into my account and that i do n't know who did nor did i have anything to do with that deposit or know where my debit card was. The female manager said that i was at fault and that i was responsible. She did not even investigated. They did not do a claim or anything. XXXX XXXX checked my handwriting and he confirmed that my signature was not on that check and the wwriting didnt match, but another manager said i was still responsible for this. i recieved a copy of the check and at the top was the name, phone number an address of the woman who supposedly wrote the check. I called the woman and she informed me that her checkbook was stolen from a breakin and that there is someone writing check in her name all over, so the bank closed her account and she also filed a police report. The next day i went up there to close my account because they were saying i was at fault still. They still did not file an investigation complaint or anything. I asked them if they had cameras and the teller told me yes. i said can they roll the cameras back to show me who is doing this to me. The guy said yes, but then later said i had to get a police report. I asked if i do this would i get my money back, he said more than likely. i came back to the bank with my police report and the lady said thank you. I then inquired about the money they took from my account ( which was my rent money and bill money i get every month and had records to show my auto deposits ) to replace the fraudulent check that i had no idea about. The manager said i was still at fault. She then started accusing me of the fraudulent check insinuating that i gave someone my pin number. My card was missing, and i have no idea who had it or how they got my pin or if they even used my pin. I know there are scams out here. After she kept accusing me of being involved and refusing to start an investigation after the check showed different handwriting and the cameras were not me, I contacted the XXXX number for Regions bank and told them what happened. The representative named XXXX could n't not believe there was no investigation and how i was treated. She then submitted a complaint for the fraud done to my account and a complaint on how i was treated. There after i contacted you all and was told to submit a complaint with the evidence i was given and my police report information. That bank took {$1800.00} Dollars from my account for a system they set up that is a failure, and are faulting me for it when i have all the proof that this has nothing to do with me. I even told them i do an overdraft every month on the same day. I asked them why would they allow someone to overdraft my account when i didnt even have that amount in there. The response was " sometime the system will do that. '' This is not adequate, satisfactory, legitimate, or legal. I need a resolution. this is completely unfair. I am now 3-days late on my rent. Please Help

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