Consumer complaint received 2017-01-09
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
FW : RE : [ Secure ] RE : Regions Bank - Complaint ID : XXXX XXXX & lt ; XXXXXXXX & gt ; To XXXX & lt ; XXXX & gt ;, customercenter & lt ; XXXX & gt ;, XXXX & lt ; XXXX & gt ; Hide Wednesday, XX/XX/XXXX XXXX Sent from XXXX for iPhone -- -- Begin Forwarded Message -- -- From : XXXX Date : XX/XX/XXXX, XXXX To : XXXX Subject : RE : [ Secure ] RE : Regions Bank - Complaint ID : XXXX Dear XXXX, If there is a problem where you do not understand the seriousness of this matter Sir. I was told by XXXX the young man whom I explained my formal Complaint to that Regions really took these complaints serious. And in your previous email you never stated Female or male. For clarification our Mother and your Member of your Bank Regions her Name is XXXX DOB XX/XX/XXXX just in case you are mixing her up with another member at your Regions Bank by the name of XXXX. 

Before you and I keep going back and Forth about a third Person being added to A Joint Account back on XX/XX/XXXX a year ago this past week. If you want to discuss this Matter about the Illegal act that XXXX Committed against me. Otherwise escalate this matter above you please. Because you are not talking about the date this transaction took place on XXXX account where XXXX added XXXX a third person to an already existing account. Where I XXXX had been added since XXXX. 

Please send this Email onto the next level above you Sir. Because in your email to me you are not trying to correct anything. You are trying to speak about when the POA was placed on her account. That is not why I placed a formal Complaint against XXXX. She needs not to do this ever again adding a person to a Joint Account without ALL PARTIES BEING PRESENT. 

Thanks again for your time, XXXX Sent from XXXX for iPhone At XX/XX/XXXX, XXXX, XXXX wrote : XXXX : Just for clarification, it 's XXXX and not XXXX. 
Thank you for getting back with me. As XXXX manager, I do Thank You for making me aware of the situation. I have reviewed your mother 's accounts and here is what I was able to determine : XXXX, XXXX and XXXX open a joint account at the Regions Office in XXXX, Georgia. 
On XX/XX/XXXX XXXX and XXXX came to the Regions Bank in XXXX to bring a POA dated XX/XX/XXXX to maintenance account ending in XXXX. 
On XX/XX/XXXX a joint account was opened for XX/XX/XXXX and XXXX at the XXXX Branch. 
On XX/XX/XXXX, with Guardian Paperwork, the Account in XXXX and XXXX was closed. 
In reviewing the accounts, the bank was not presented with guardianship papers until XX/XX/XXXX. Without guardianship papers, as long as XXXX was present at the bank and no one was removed from an account, the bank was obligated to honor the request of XXXX. Although a POA was filed for XXXX by XXXX, the POA does not prohibit XXXX from opening additional accounts in her name, either as a sole or joint owner. 
Based on the Regions Privacy Policy, XXXX would not be made aware of any accounts opened unless she was a co-owner of the account. 
Please be assured that XXXX did not discuss the account status or changes with anyone who was not an authorized owner on any account referenced in XXXX name. 
If there is any further clarification needed, please do not hesitate to contact me at the number below. I hope this clears up the issues in your email. 
Regards, XXXX Vice President Branch Manager - XXXX, GA XXXX XXXX - Office XXXX -

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