Consumer complaint received 2024-11-09 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:
Greetings, Regions messed up numerous deposits. They fouled up 4 out of 6 deposits in only two months. This has been an ongoing problem for years and they absolutely refuse to fix this or help people whom that have harmed. The area manager and corp office absolutely does not care, and they held funds out of my account that were deposited to them, until I filed a formal complaint about the missing funds. When it was done they only gave me back what they owed me, and they refused to compensate me for the time they did not give me the funds which were mine. They refused to help me get a better way to make deposits, and they refused to help pay for the XXXX bills I had to pay to complete the investigation of their check and deposit problems. 

One check was in excess of the amount of {$10000.00}, and they only deposited XXXX ( XXXX cents ) into my account because the atm read the check wrong. The issuing bank caught the error, and remitted the correct amount to regions. Regions kept that money and did not give it back to me until I filed a formal complaint and forced an investigation. This happened with at least 6 checks in only four months. 

I have missing funds, XXXX bills, and I can't trust the deposits will be accurate. 

I spoke to the area XXXX XXXX who told me one thing on the phone, and then refused to call me back. He told me what happened to me was not right, and he would look into it and get back with me. Then his subordinate told me the area manager said he wasn't going to do anything to help me. When I called the area manager back and told him what I heard, he stated that his worker should not have said that, and he would get back to me after investigating. Then he ignored my future calls and when I asked to be escalated to him they told me his decision not to help me was " final '' and he would " NOT BE CALLING ME BACK ''. 

I asked to file a formal complaint about XXXX and everyone ignored me and won't ; return my calls or emails. I called XXXX and XXXX several times but XXXX said the area manager wont call me back and XXXX is not answering her phone any longer either. 

They cost me a LOT of money with deposits they collected and failed to disperse properly. They held onto my money and earned interest until I filed a formal complaint and got an investigation. 

The businesses who write me checks always ask me what bank I have that keeps making mistakes, that their banks catch and fix for me, and I always tell them its regions. I had to open another bank account with another bank because regions XXXX XXXX so many deposits. I thought this was something that could be fixed, but it doesnt seem like any of the managers want it to be fixed, because they have only one goal which is to make it worse, then refuse to speak with customers they affect by their lack of action. 

The branch tries to help me XXXX more than the corp office, which blows me off and doesnt even return my phone calls. The corp office refused to have a meeting to speak with me in person. Why are they allowed to treat customers this way? Why does the corp office think its okay to XXXXXXXX XXXX this many deposits when they are supposed to be a financial institution with trained people who care? 

Since the corp office doesnt employ anyone who cares why would anyone under them at the local level care? They see the attitude from the corp office and they follow the same example. Why has the corp office allowed itself to become this? Why is it my fault and why do I have to keep paying for their mistakes while they go home early and dont call people back? 





I completed the review of documents they provided. It was a huge task. I digitally signed the email of my findings. 

I found three checks stubs I deposited that were not on the images of deposits I collected. I attached the stubs. These checks were deposited in regions ATM 's but no funds were deposited into my account until after I filed the complaint and investigation at my expense. I have filed more than 6 claims this year alone for missing checks and deposits. 


There is also a report filed for deposit errors on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. It appears they lost one check even after I filed the report that the atm retained it. 

They did not satisfy my request to verify those 4 claims I filed over 3 months were all corrected to the right amounts and I was not shorted any funds. I am still unsure if they actually gave me the right amounts for the checks I deposited. 

Some checks I deposited were lost by regions, and they told me later they couldn't find the checks that were deposited in the atm, despite me filing a claim for the missing checks. When the ATM can not read the check, it says " unable to read the check, and your check has been retained ''. They do not give you any receipt, they just keep your check and refuse to deposit the funds. Then I file a claim and it takes them 2 weeks to get my funds back. 100 % of every claim I have ever filed was found to be the fault of Regions, and not me. 

What can Regions do to get me a more accurate method of making deposits? Would you request to Regions to compensate me for the fees I had to pay XXXX to review the books and banks to find the funds that Regions stole from me and the area manager ditched me and refused to call me back? 


The other banks reported that they cashed the check for the correct amount, yet Regions did not deposit this amount until I filed a claim. So Regions had the money in their accounts, and they kept it from me until I asked for it. This feels like stealing. I hope regions puts some systems in place to prevent this in the future. I should be compensated for the time that regions had my money until they released it into my account since none of your current procedures and protocols caught this before I made a claim for it. They made a profit off of holding my money and not depositing it into my account at the time I rendered the checks to you. My clients banks were contacting them and me about Regions failed deposits and regions wasnt calling me at all. Its supremely embarrassing to admit your banking partner is that bad with finances. 


They have been doing this to me for over three years. I tried the XXXX mobile deposit and it had problems all the time and only works on apple. I bought an ipad to use this service and it still had errors and was offline all the time. You can see all the tickets I filed on that before I finally cancelled this service. Regions doesnt seem to be very good with technology. 


Thank you, XXXX XXXX XXXX Here is the reply from the corp office about reimbursing me for the costs associated with investigating and finding the deposits that they lost after the atm retained the checks. I also have a voicemail that XXXX left me which states that the area manager would not follow up with me, and they would NOT be calling be back. 

" I followed up with the area XXXX and he is unaware of having a follow-up conversation. There are no additional updates. Our findings are final and remain the same. '' Sincerely, XXXX XXXX Regions Bank | Office of Customer Satisfaction Ph. XXXX At this point I think regions is so bad at being a bank and I know this is a much larger problem because the area manager XXXX didn't give one care about making this right. They only wanted me to go away. It's really hard to get my money back from checks I deposited, and it doesn't seem like any of this should be legal, and yet the area manager XXXX did not think I deserve to get anything to help me resolve this. I don't think XXXX should be allowed to work in finance if he steals from customers and they refuses to help compensate them for the trouble he caused me. I hope you investigate all of their ATM deposit actions, including the atm retaining checks with no receipt given, and then the branch managers claim the person who cleaned out the atm could not find it. They make me got back and have the client reissue another check because they lost the first one. They charge me fees and they never reimburse me when they make mistakes with money, which is about XXXX  to XXXX. XXXX makes 20 mistakes with money for every 1 mistake I make, and he works at the bank so how can he be this bad with financial transactions? 


FYI the attachments below are only some of the photos I have. If you give me an easier way to upload them I can show you a lot more similar photos. Their atms are the worst of any bank I have ever used. The managers are as bad as the atms.

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