Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, I looked at my bank statements and found several unauthorized transactions from a couple different merchant names, but similar charge amounts as a researched I found thats the same merchant just changing their ID called in to dispute what I could find with those statements that I had at the time. Bank made a claim and issued me a provisional credit on day nine. Then when Im reviewing more in detail, I found more charges up to XX/XX/XXXX from the same merchant and decided to dispute those as well. I submitted all documents to them about the merchant the activity submitted my XXXX through XXXX XXXX dispute, which was paid for the similar merchant activity and they determined charges were indeed unauthorized. Received another letter in the mail that regions has received My dispute, but the dates were wrong so I had to call back to get a correction for the second claim well, the other reps could not read the claims back to me and I had to speak to another person who read the dates back, but still got the dates wrong. I left it alone until some of those were reviewed and receive provisional credits for claim one and two. Then when the other reps did what they did with the other claims, I never received anything for two or three months. Then we just started partially taking the payment back changing denial on all claims across all related activity advise that claim two would not be paid because the merchant was going to sue them. If they did another charge back was told information that was conflicting they wont talk to me every time I talk to them. They just say its closed and they cant give me any information. Ive asked for all documents to be sent to me as to any denial Ive received. Ive asked for it via fax via email via phone. Still nothing. Ive asked for reconsideration and reconciliation because they have not reconciled any of my charges. I dont even know where I stand at this time, I have no idea I received an additional claim number that was somehow put in that I wasnt aware of. Denial had changed from services not canceled to appear to be authorized which I asked for documents for and they didnt send some of the claims charges have been paid still havent received the money owed to me for the paid part ive escalated and requested a executive consumer advocate review havent heard anything. Theyve closed the claims out. Ive done another Cfpb claim, but I wasnt able to respond. They didnt give an answer. All theyve done is close it out. Im getting no help here from anybody. I still dont know where I stand. Im requesting reconsideration and reviews and calling them and they just completely shut me down. Everything is confusing and I dont even know where we stand nobody will talk to me. I cant even get cfpb to talk to me through them. One of them wasnt that and it came back. They wanted me to give documents as to why I deserve my money back on the Internet. Theres all types of information of this merchant. They yet to send me any evidence theyre obviously isnt any. Theyre just denying it to deny it. They closed my account out with no access to money or funds. Evidence used in the first denial wasnt sufficient. They wouldnt send me the second denial. I havent received a letter in about a month and a half now I dont know what their claims are out there that theyve added to my account that I wasnt aware of nor did I get email confirmation. Ive sent proof of anything that is needed to show that I didnt authorize it and no one in my house authorized it. I took all electronics out of my house to make sure XXXX threw green dot Bank advised that it was unauthorized and they have all of my IP address addresses and account information for anything that I may have done on any of my devices here at home. Received another denial with appeared to be authorized. No claim members are listed at the top so I dont know what claim it belongs to and all the dates are on one page with the amount and then on other pages is just the charges separate so its very confusing to understand what the heck they are even referring to with no claim numbers and everything printed out in a way that nobody could understand or match up. I need to speak to somebody just to figure out where I stand every time I call Regions they just tell me its closed out. The Fraud is the merchant not me and theyve literally taken everything from me and I need to be able to live. I even declined charges a couple months ago, but didnt think anything of it before this all started from them. I need everything reviewed in the correct way with a fresh set of eyes and I need it all reconciled the correct way. I at least reserve the right to have a fair and reasonable understandable claim under regulation e. Also them requesting that I send stuff to prove why Im entitled to Payment is another problem because its not on me to have the burden of proof its up to the merchant. The merchant has not sent anything that at all even shows I authorized it or anybody in my house, even authorized it. I never had my credit card information saved on anything. I requested reconsideration a couple of different ways a couple of different times and theres been nothing but crickets all evidence immediately after claims were submitted, and after some of the denial started some have been paid. Im not sure what claim they belong to because none of them had claim number the top. All related claim should be reviewed together and fairly under the same market activity when I called to submit my second claim they didnt hear the other merchant names that had the same merchant ID and selected the wrong charges. Its all been very sloppy from the beginning. I really want everything reviewed once by one person. Theyve closed my account out completely. With no information on what is going on I still have no information what theyve sent is not at all enough to even try to figure out what was paid in denied. Im still owed money as well and havent heard anything. Claim numbers XXXX, XXXX, XXXX, XXXX, XXXX, random new claim that I had no knowledge of 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 non-monetary relief