Consumer complaint received 2019-07-10
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: 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 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