Consumer complaint received 2024-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I was fraudulently charged and unauthorized charges of {$190.00} and {$110.00} fraudulent and unauthorized charge by XXXX and XXXX XXXXs for a XXXX day XXXX night XXXX vacation to XXXX Forge that I did not purchase nor did I add a XXXX  package for XXXX more trips with timeshare presentations over a XXXX  month period and a add on XXXX  beverage package. I contacted XXXX they said XXXX  had to issue the refund because they were the XXXX party vendor that was sent a digital virtual check for the funds, I called XXXX  they said XXXX would have to refund because they are who charged the original charge of {$98.00} for the XXXX  day XXXX nights with an additional night for {$19.00} so I disputed it with my bank Regions Bank the same day the charges appeared online in my bank statement I went in person to a branch and got a new debit card XXXX XXXX drive one way to get to a branch that makes debit cards at the branch. I also shut the card down immediately upon discovering the fraudulent charges as well as the branch XXXX said dispute again the following morning on my Regions Online dashboard which I did both charges no refund called they said the claim was filed wrong by them so it was reopened and the funds would be reimbursed in XXXX hours they weren't called XXXX days later they said they denied the dispute and the refund asked why they said it was duplicate charges. Called the next day and inquired about the dispute and they said they funds would be reimbursed in XXXX hours again they weren't called again todayXX/XX/24 and was told I would receive a letter within XXXX business days with their decision. I asked to talk to someone at corporate office and was sent a address to write a letter to in writing about the charges and refund from Regions. I saw multiple ads on XXXX for XXXX and different packages for XXXX day XXXX night timeshare presentation vacations I do have a XXXX XXXX  account linked to my debit card as I buy and sell on XXXX  that is the only way these XXXX companies could have gained access to my debit card information I keep my card locked with LOCK IT, I received no text, emails, or phone calls from Regions to verify it was me trying to make the purchases and all XXXX were done back to back over about a XXXX minute period. Regions refuses to issue a refund on the fraud and so does XXXX and XXXX XXXX. I contacted the XXXX  and they received no response from XXXX or XXXX XXXX  and said they could not help me to file a civil suit in small claims court. I contacted the Attorney General Office in XXXX  and filed a complaint as well as with the FCC, and the Federal Trade Commission, and Consumer Affairs Division and filed complaints there as well. I have not heard back from either as of now.

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