Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a formal complaint regarding a XXXX hold placed on a check deposited into my Regions Bank XXXX account. 

I contacted Regions Bank to request an explanation for the extended hold. During my phone call, I spoke with a XXXX XXXXXXXX who identified herself only as XXXX. She refused to provide her last name and stated that I had no right to request it. 

When I asked for the specific reason for the XXXX hold under Regulation CC, I was told only that it was due to several reasons, security, and processing. No specific explanation was provided, and no applicable Regulation CC exception was identified. 

I explained that I am currently out of town and do not have physical access to a Regions Bank branch in my area. Because of this, mobile deposit was my only available option to deposit the check. The XXXX responded by stating that mobile deposits are placed on hold, without providing any regulatory justification or written disclosure. 

Additionally, the issuer of the check independently contacted their bank and confirmed that the check had been properly issued and sent, yet this information was disregarded and no effort was made to resolve the hold. 

When I requested clarification or assistance, the XXXX refused to explain further and stated that she could not provide any additional details. I also requested to escalate the matter to a senior XXXX or supervisor. She refused to provide any senior partner, supervisor, or escalation contact information. 

During this interaction, the XXXX further stated that if other banks were available in my area, I should open an account elsewhere and not use Regions Bank. This statement was made while I was attempting to obtain a lawful explanation for the hold and access to my deposited funds. I believe this constitutes inappropriate and dismissive conduct intended to discourage me from exercising my rights as a customer. 

The managers tone throughout the call was unprofessional and hostile. Rather than assisting with a legitimate concern regarding access to deposited funds, her conduct added unnecessary stress and hardship. I rely on these funds to pay essential bills, and the refusal to provide information or assistance has caused significant financial difficulty. 

I believe this conduct violates XXXX XXXX disclosure requirements regarding funds availability and constitutes improper handling of a customer complaint, including obstruction of the escalation process and inappropriate customer deterrence. 

I am requesting : XXXX. A written explanation for the XXXX check hold, including the specific Regulation CC exception applied XXXX. Confirmation of when the deposited funds will be made available XXXX. A review of the employees conduct and complaint-handling procedures I am submitting this complaint to seek proper disclosure, resolution, and accountability.

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