Consumer complaint received 2021-07-06
Company: REGIONS FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I added my soon to be wife to my checking account as an authorized user. Since at one point in the past she had an account with them under her maiden name they left her info as it was before. We advised the banker that her name was different due to a marriage, but she informed us that as long as the ss # was the same then she should have no problem having her check direct deposited in to our account. For about 5 to 6 weeks went by and we both received our checks with no problem. We both used our own personalized debit cards to make atm withdrawals as well as pos debits. Then around XX/XX/2021 my spouses debit card was cut off without notice nor consent from the card holder. She went to the local branch in XXXX Missouri and talk to a gentleman that advised her that she had to of cut it off which she did not. He also advised her that after it was all said and done neither me nor her would have an account there. It wasnt a week later that the same branch out of XXXX Missouri cut my card off without my presence nor my consent. I am a XXXX XXXX XXXX and during the pandemic it was hard to find jobs. Just so happens that the morning I found out that my atm card was shut off I was going to bid on a XXXX dollar job. But instead I had to go from XXXX branch to withdraw some money out of our joint account which I was told I could not have any and was turned away. And then I went to XXXX XXXX and then stayed on the phone with my main branch in XXXX XXXX Tennessee which informed me that what XXXX branch did to me was wrong. So she turned my atm card back on and filed the first formal complaint with regions. That same Friday both of our checks had been deposited and we went to withdraw our money and the branch manager told us there was a no post attached to our account due to my spouses last name being different. She told us wed have to wait ten days then they would mail us a check. Ten days is a long time to wait when you live from check to check through a pandemic. After three days we finally convinced or called so much that they told us we had an hour to come get our money. Ok now there was a XXXX dollar pending charge on our account so when we went to withdraw the money they gave us the XXXX dollars also which left our account in the negative which cant be closed out. While closing the account I was asked to sign a closing withdrawal slip, which I did and then proceeded to pass it to my spouse and the teller saidNo she doesnt need to sign it but we both knew better because both of our names where on the account so I asked for a copy of the withdraw slip which they were reluctant to give me. On paper it looked like we closed it on our own free will but in reality we were forced to close it with a balance of XXXX at the time of closing. While As the branch manager walk by she yelled out across the bank tell your unemployment not to send your check here cause Ill send it back. That was embarrassing to me and my spouse. I lost jobs because of this bank. I got 60 days behind on my truck note which dropped my credit score. Thanks for listening to my chain of events.

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