Consumer complaint received 2018-12-17
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In early XX/XX/2018 my wallet was stolen. I had just gotten off work and went to my room at the motel i work at. 
While i was asleep i was unaware that my wallet had been stolen. I woke up and checked my bank accounts after i couldn't find my wallet. I found out that my card had been used 3 times. 
XX/XX/XXXX Card Purchase XXXX  # XXXX XXXX XXXX TN XXXX XXXX XXXX XX/XX/XXXX Card Purchase XXXX  # XXXX XXXX XXXX TN XXXX XXXX XXXX XX/XX/XXXX Card Purchase XXXX # XXXX XXXX XXXX TN XXXX XXXX XXXX So i cancelled my card online. I called the XXXX XXXX to let them know that my card was used fraudulently at there store. I told the employees i was comming into get this all straightened out. I video recorded the incident and all the store clerks could do was laugh at me. 
I let them know that legally by law they are obligated to verify the name on the card to state issued identification. Which the employees replied that they dont do that. And XXXX XXXX lied and said that wasnt there store that the charges had occurred at. So i made a police report on friday or Saturday evening just before monday the XX/XX/XXXX. I showed them the transactions that happened with the use of my card. And my friend XXXX and i went to a local XXXX to load one of his prepaid debit cards so we could go back to the XXXX XXXX and check and see if the store numbers that was attached with the transaction matched, which his transaction matched my transactions. So i informed XXXX XXXX that they had in fact lied and that the two individuals who were working second shift when i first went into the XXXX XXXX the same day the charges occurred and that i had video recorded and let them know they broke the law and that they lied too me. 
I had tired getting a hold of regions bank located in XXXX, tn by calling the XXXX XXXX number once i was finally able to get ahold of someone in the fraud unit i was told i had to wait until monday morning to report fraud. I gave regions the police report number and told the police when i made the police report to pull the video footage of the person using my card. In fact the XXXX police department didn't do their job and regions lied to the police department by saying my transactions were pin verified. I asked them to reopen the fraud investigation and regions refused. I have done much more then all the above things i have mentioned, but that is only to be revealed if i have to persue a lawsuite against both the XXXX XXXX and regions. 
Last night i went through all my back records and found out that regions had in fact lied to me, and the police department. Both charges were not pin verified but in fact my debit card was used as a credit card in which you have to sign for. Because regions has let enough time lapse and refused to perform their legal obligated duties. I want it to be known to the public that regions is a corrupt financial institution, and that their fdic insurance should be pulled so regions may not practice financially within the public. Lastnight was Sunday XX/XX/XXXX. Which i have an email that i sent to regions fraud department asking them directly for the investigation findings, and i will be paying for the police report i filed with XXXX police department so i can have their finding as well. 
That is to prove regions has completely lied and let a merchant who knowingly broke the law to get away with commiting a crime and covering up fraud.

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