Consumer complaint received 2017-12-27
Company: REGIONS FINANCIAL CORPORATION
State: AR
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 my spouse saw an ad online about XXXX XXXX XXXX, pay S & H of {$4.00} for a 14-day trial. I received the cream on XX/XX/XXXX and used it for 2 of the 3 days remaining that I had left on their " trial ''. I had to stop because it was XXXX XXXX XXXX and turning my XXXX XXXX. I tried several of the phone numbers that I was able to locate ( XXXX, XXXX, XXXX, and XXXX. ) in order to cancel the membership but no one I spoke with could locate my account. OnXX/XX/XXXX I checked my bank balance and found a charge of {$89.00} made by " XXXX '', for which I did not authorize to do. XXXX is the only one I authorized to take the {$4.00} for S & H only. The {$89.00} was for membership which was located in their Terms and Conditions link in the very tiny small print way down the bottom of the ad page where most people would not notice it. XXXX changes the Terms and Conditions at any time and without notice. I saved a copy of two of them. Nowhere could I find " XXXX '' or that the membership would be made by them and not XXXX. I tried calling XXXX again but got the same result ... no account in my name. I called my bankcard company and cancelled the card. The bank rep told me that the {$89.00} was in " pending '' and had not cleared the bank yet, and that by Wednesday ( XX/XX/XXXX) that amount would be removed from my bank card withdrawals. On Wednesday the amount was still there and this time it had cleared the bank. I called my bank, Regions and complained. I had cancelled the card on XX/XX/XXXX but on XX/XX/XXXX the {$89.00} cleared the bank in error. I was sent an Affidavit to sign and mail back to the bank. A few days later after not hearing from the bank, I emailed them to see how far along they were in settling my dispute. The email reply from the bank was that it had already been settled unsuccessfully and that a letter was sent to me about it. To date I have not received that letter. I emailed XXXX ( XXXXXXXXXXXX ) to cancel my account if one was found, but instead of cancelling it they created a new one and sent me an email to that effect ( from XXXX XXXX XXXX this time ). I told them they had made a mistake and to cancel the new one and any other ones they might have in my name. I 'm waiting their reply, if there is one. On doing research I have found many discrepancies with XXXX ... an F rating and a score of 1.06 out of 5 stars with the BBB, XXXX report, reports and complaints of XXXX being a scam, and many websites with many angry consumers who have had at least {$89.00} or an amount similar taken from their bank account or credit card unknowingly. I 'm really disappointed in my bank for allowing a charge to clear two days after the card was cancelled, and the scam that XXXX has tried to pull over me and many, many others. Note : XXXX does not issue you any receipts, etc. I would be perfectly happy to get my {$89.00} returned to me and XXXX put out of business so that they can not get away with being deceitful or hurt anyone else.

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 monetary relief