Consumer complaint received 2024-07-19
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION (AL)

Dear Regions Bank, I am writing to formally request the unfreezing of my bank account number *************. On XX/XX/year>, my account was frozen due to alleged fraudulent activity. I have communicated with your representatives on multiple occasions following that date, and I have maintained that there is no fraudulent activity on my account. The transactions that are in question ( regions representatives ' words ), are transactions between myself and the XXXX, which is a trust that I am a member of. If you are familiar with trust procedures, private interactions conducted by the trust are not to be discussed with any person / entity outside of trust. This is due to the nature of our internal contractual agreements in reference to the formation of the trust. This also involves upholding my fiduciary responsibility as a trustee on referenced trust. " This organization, then, is created under the common law of contracts, protected by Article l, Sec. 10, Para. 1 of the Constitution of the United States. 


Furthermore, on XX/XX/year>, a bank representative, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, used inappropriate questioning tactics during our interaction attempting to XXXX me. Your representatives appeared to be using the XXXX XXXX, which is known to be a line of suggestive questioning and can lead to false confessions. This interaction resulted in the flagging of my account and the subsequent involvement of the Vice President of Corporate Security ( XXXX XXXX ) who repeated similar direct intentional customer discrimination tactics. 

XXXX XXXX misrepresented, a material fact insinuating that my grandson who was with me that day, made comments about investing in crypto currency. When in fact what she did with this lie was an attempt to cover her tracks in her interaction with me and my family. she was unprofessional, rude and victimizing while interacting with me. she used lines of suggestive questioning in an attempt to get me to falsely admit to actions that were not being conducted. When I made her aware, she only became more belligerent and aggressive. My grandson overheard her line of questioning and proceeded to intervene due to her aggressive harassments ( interrogation ). She then verbally announced that she was going to cancel the transaction which was fine. My grandson then requested the name of her supervisor, which made her very angry. The name of her supervisor that she gave is XXXX XXXX. This is the reason I believe she flagged the account and made those false allegations. To be a distraction against her conduct when dealing with me and my family when we attempted to conduct business at your XXXX XXXX branch location. She humiliated and robbed me of my dignity as a educated XXXX woman in front of my family. This was my grandson & sister, who can also write a statement in regard to our interaction with XXXX, and Regions Bank. 


XXXX XXXX conducted himself similarly to XXXX XXXX. He accused me of being taken advantage of and scammed ( his words ), I refuted his assumption. 

He was steadfast in his pursuit to get a false confession using XXXX XXXX XXXX and other XXXX tactics. When I explained that I was a part of the trust, he over-talked me and attempted to put words into my mouth. I was very confused as to why he was making certain insinuation. No prior flags were raised until I came to the XXXX XXXX Branch which seems to have been placed near low-income neighborhoods. I believe this location stereotyped me for what they may be used to dealing with, which was a grave mistake. After I made XXXX XXXX aware that I was not being taken advantage of nor scammed, he still took it upon himself to declare that he still believes I am being scammed. He then assured me that my account would remain frozen until I provided him documentation that would be deemed as internal and private by internal trust agreements reached by organizing trustees of theXXXX. His exact words were unless I get some names or numbers of a contact from the XXXX, we are going to have a problem. This is a complete overreach outside of his jurisdiction as a representative of a bank. This interrogation against a XXXX woman over XXXX XXXX XXXX was also a major violation of my privacy. Let 's not forget, this is MY money! XXXX XXXX also made a reference to his disbelief of me conducting business with the XXXX because they are based in GA and I reside in XXXX. I believe this is a baseless claim seeing as I have children and grandchildren that reside in GA and I visit frequently. XXXX XXXX also misrepresented that a business must be registered with the secretary of state to conduct business, which is not true. XXXX XXXX used this as a basis to refuse the unfreezing of my account and as a basis to request internal documents and contacts within XXXX, which is outside of his scope as a representative of Regions Bank. I understand that he is a former officer, but this gives him no stance to treat a customer of Regions Bank like a criminal. 


I believe this situation is a violation of the privacy act. The frozen account is causing significant damages/ disruption to my private business. If this matter is not handled promptly, I will introduce a fee schedule for damages incurred due to the freezing of my account. I will also hand this over to my legal counsel, and file claims with the CFPB, and the XXXX. I request that you immediately unfreeze my account and conduct a thorough investigation into this matter. I have documentation and voice recordings of my communications with your representatives for your reference. Thank you for your prompt attention to this urgent matter. 


Sincerely,