{"id":"regions","page":"https://escalate.alexgaoth.com/#/c/regions","html":"https://escalate.alexgaoth.com/c/regions/","generated":"2026-10-15","company":{"id":"regions","name":"Regions Bank","aliases":["regions","regions financial","regions financial corporation","regions bank checking","1-800-regions"],"sector":"bank","parent":"Regions Financial Corporation","website":"https://www.regions.com","official_domains":["regions.com"],"security":{"never_asks":[{"kind":"policy","claim":"Regions says it will never call you to ask for one-time codes, usernames, passwords or PINs.","source":"https://www.regions.com/help/what-is-phishing-and-how-should-i-report-it","last_verified":"2026-10-13"}],"known_scams":[{"kind":"policy","claim":"Phishing emails are made to look like Regions communications and try to get your personal or financial information. Smishing is the same scam by text message, and spoof websites are fake sites made to collect your information.","source":"https://www.regions.com/help/report-fraud","last_verified":"2026-10-13"}],"report_phishing":[{"id":"phishing-email","type":"email","label":"Forward suspicious emails that claim to be from Regions, then delete them","value":"phishing@regions.com","purposes":["fraud"],"source":"https://www.regions.com/help/what-is-phishing-and-how-should-i-report-it","last_verified":"2026-10-13"},{"id":"phishing-responded-phone","type":"phone","label":"If you responded to a suspicious message and think your information is at risk (1-800-REGIONS)","value":"+1-800-734-4667","purposes":["fraud"],"access":"human_only","source":"https://www.regions.com/help/what-is-phishing-and-how-should-i-report-it","last_verified":"2026-10-13"}]},"regulators":["cfpb","federal-reserve"],"notes":"Regions Bank is an Alabama state-chartered bank that is a member of the Federal Reserve System (FDIC BankFind cert 12368, regulator FED), so its federal bank regulator is the Federal Reserve. The Regions contact page lists no hours and no complaint mailing address.","channels":[{"id":"customer-service-phone","type":"phone","label":"Regions Green Line Customer Service Center (1-800-REGIONS); lost or stolen cards, identity theft, debit and ATM disputes, unauthorized checks","value":"+1-800-734-4667","purposes":["fraud","unauthorized_charge","transaction_dispute","fee_reversal","frozen_funds","identity_theft","poor_service"],"access":"human_only","source":"https://www.regions.com/help/contact-us-by-phone","last_verified":"2026-10-13"},{"id":"debit-card-phone","type":"phone","label":"Visa Debit Card Customer Service; lost or stolen Regions debit card","value":"+1-800-295-8472","purposes":["unauthorized_charge","fraud"],"access":"human_only","source":"https://www.regions.com/help/contact-us-by-phone","last_verified":"2026-10-13"},{"id":"credit-card-phone","type":"phone","label":"Regions Credit Card Customer Service; lost or stolen credit card and credit card disputes","value":"+1-800-253-2265","purposes":["transaction_dispute","unauthorized_charge","fraud","billing_error"],"access":"human_only","source":"https://www.regions.com/help/products-services/credit-cards/account-services/how-do-i-report-my-lost-or-stolen-credit-card","last_verified":"2026-10-13"},{"id":"online-banking-support-phone","type":"phone","label":"Online Banking Support","value":"+1-800-472-2265","purposes":["account_access"],"access":"human_only","source":"https://www.regions.com/help/contact-us-by-phone","last_verified":"2026-10-13"},{"id":"online-debit-dispute","type":"app","label":"Dispute a debit, ATM or prepaid Now Card transaction online","value":"Regions Online Banking > Customer Service tab > Dispute a Card Transaction (or in the mobile app ask Reggie \"Dispute a transaction\")","purposes":["transaction_dispute","unauthorized_charge"],"access":"login","notes":"Regions says ATM card and credit card claims cannot be filed through Online Banking. Only posted transactions can be disputed.","source":"https://www.regions.com/help/dispute-a-transaction","last_verified":"2026-10-13"},{"id":"phishing-email","type":"email","label":"Forward suspicious emails that claim to be from Regions, then delete them","value":"phishing@regions.com","purposes":["fraud"],"source":"https://www.regions.com/help/what-is-phishing-and-how-should-i-report-it","last_verified":"2026-10-13"}],"escalation":[{"rung":"frontline","channel":"customer-service-phone"},{"rung":"written_complaint","note":"For credit card billing errors, write to the billing error address on the back of your Regions statement. Regions publishes no general complaint address."},{"rung":"regulator","regulator":"cfpb"},{"rung":"regulator","regulator":"federal-reserve"},{"rung":"state_agency","agency_kind":"financial_regulator"}],"playbooks":[{"issue":"transaction_dispute","summary":"Try the merchant first, then dispute a posted debit transaction online or by phone; credit card disputes go by phone or to the billing error address on your statement.","evidence":["statement showing the posted charge","receipts or invoices","record of contact with the merchant"],"steps":[{"do":"For a problem with goods or services, contact the merchant first and keep proof."},{"do":"For a debit, ATM or Now Card transaction, file the dispute in Online Banking or the app, or call customer service.","channel":"online-debit-dispute"},{"do":"Or call the Green Line or visit a branch.","channel":"customer-service-phone"},{"do":"For a credit card, call credit card customer service, or write to the billing error address on the back of your statement.","channel":"credit-card-phone"},{"do":"If Regions does not resolve it, complain to the CFPB.","regulator":"cfpb"}],"facts":[{"kind":"policy","claim":"Regions accepts disputes only for posted transactions; pending charges generally must post before you can dispute them.","issues":["transaction_dispute"],"source":"https://www.regions.com/help/dispute-a-transaction","last_verified":"2026-10-13"},{"kind":"process","claim":"Regions says ATM card and credit card transaction claims cannot be filed through Regions Online Banking. Credit card disputes can be made by phone at 1-800-253-2265, at a branch, or by mail to the billing error address on the back of the statement.","issues":["transaction_dispute","billing_error"],"source":"https://www.regions.com/help/dispute-a-transaction","last_verified":"2026-10-13"}]},{"issue":"unauthorized_charge","summary":"Report the card lost or stolen at once by phone, branch, Online Banking or the app, then dispute the posted charges.","evidence":["statement with the charge","date you noticed it","card status"],"steps":[{"do":"For a debit card, call the lost or stolen debit card line.","channel":"debit-card-phone"},{"do":"For a credit card, call credit card customer service.","channel":"credit-card-phone"},{"do":"Dispute posted debit card charges online or by phone.","channel":"online-debit-dispute"},{"do":"If Regions does not resolve it, complain to the CFPB.","regulator":"cfpb"}],"facts":[{"kind":"process","claim":"Regions says to report a lost or stolen card immediately by calling 1-800-REGIONS, or through a branch, Online Banking or the mobile app.","issues":["unauthorized_charge","fraud"],"source":"https://www.regions.com/help/report-fraud","last_verified":"2026-10-13"}]},{"issue":"fraud","summary":"Call 1-800-REGIONS for identity theft or if you gave out codes or passwords; forward phishing emails to phishing@regions.com.","evidence":["transaction details","messages from the scammer","FTC or police report number"],"steps":[{"do":"If an account was opened in your name or compromised, call a Regions banker.","channel":"customer-service-phone"},{"do":"Forward phishing emails to Regions and delete them.","channel":"phishing-email"},{"do":"Report identity theft to the FTC, then complain to the CFPB if the bank does not act.","regulator":"cfpb"}],"facts":[{"kind":"process","claim":"If you gave out one-time codes, usernames, passwords or PINs in reply to a suspicious message, Regions says to call 1-800-REGIONS (1-800-734-4667) right away.","issues":["fraud"],"source":"https://www.regions.com/help/what-is-phishing-and-how-should-i-report-it","last_verified":"2026-10-13"}]},{"issue":"fee_reversal","summary":"Check the $5 rule and the Overdraft Grace deadline (8 p.m. Central the next business day), then ask for a reversal.","evidence":["statement showing the fee","available balance by date","deposit times"],"steps":[{"do":"Check whether the overdraft was $5 or less after end-of-day processing, or whether you restored the balance by the Overdraft Grace deadline."},{"do":"Call customer service and ask for the fee to be reversed.","channel":"customer-service-phone"},{"do":"If the fee breaks the stated rules and Regions refuses, complain to the CFPB.","regulator":"cfpb"}],"facts":[{"kind":"fee","claim":"The Paid Overdraft Item fee is $36 per item, with no more than three Paid Overdraft Item fees per day for personal and small business accounts.","issues":["fee_reversal"],"source":"https://www.regions.com/help/products-services/checking-accounts/overdraft-services/what-are-the-fees-for-overdrafts","last_verified":"2026-10-13"},{"kind":"policy","claim":"Regions does not charge a Paid Overdraft Item fee for items that post on a day when the available balance is overdrawn by $5 or less after end-of-day processing, and charges nothing when an item is returned for insufficient funds.","issues":["fee_reversal"],"source":"https://www.regions.com/help/products-services/checking-accounts/overdraft-services/what-are-the-fees-for-overdrafts","last_verified":"2026-10-13"},{"kind":"deadline","claim":"Overdraft Grace - if your account is overdrawn by more than $5, you have until 8 p.m. Central Time the next business day to add funds; if the balance is then positive or overdrawn by no more than $5 after nightly processing, no overdraft fee is charged. Money Market, Now Checking and SafeGuard Checking accounts are not eligible.","issues":["fee_reversal"],"source":"https://www.regions.com/personal-banking/overdraft-grace","last_verified":"2026-10-13"}]},{"issue":"account_access","summary":"Call Online Banking Support for sign-in problems.","steps":[{"do":"Call Online Banking Support.","channel":"online-banking-support-phone"},{"do":"If you think someone else got into your account, call 1-800-REGIONS at once.","channel":"customer-service-phone"}]}],"known_blockers":["Phone lines verify the account holder.","Regions says issues not resolved by phone may require a branch visit.","Online dispute filing needs an Online Banking sign-in and does not cover ATM or credit card claims."]},"playbooks":{"transaction_dispute":{"company":{"id":"regions","name":"Regions Bank","sector":"bank","website":"https://www.regions.com","account_url":null},"issue":{"id":"transaction_dispute","name":"Dispute with a merchant through the bank"},"playbook_source":"company","summary":"Try the merchant first, then dispute a posted debit transaction online or by phone; credit card disputes go by phone or to the billing error address on your statement.","evidence":["statement showing the posted charge","receipts or invoices","record of contact with the merchant"],"steps":[{"do":"For a problem with goods or services, contact the merchant first and keep proof."},{"do":"For a debit, ATM or Now Card transaction, file the dispute in Online Banking or the app, or call customer service.","channel":{"id":"online-debit-dispute","type":"app","label":"Dispute a debit, ATM or prepaid Now Card transaction online","value":"Regions Online Banking > Customer Service tab > Dispute a Card Transaction (or in the mobile app ask Reggie \"Dispute a transaction\")","purposes":["transaction_dispute","unauthorized_charge"],"access":"login","notes":"Regions says ATM card and credit card claims cannot be filed through Online Banking. Only posted transactions can be disputed.","source":"https://www.regions.com/help/dispute-a-transaction","last_verified":"2026-10-13"}},{"do":"Or call the Green Line or visit a branch.","channel":{"id":"customer-service-phone","type":"phone","label":"Regions Green Line Customer Service Center (1-800-REGIONS); lost or stolen cards, identity theft, debit and ATM disputes, unauthorized checks","value":"+1-800-734-4667","purposes":["fraud","unauthorized_charge","transaction_dispute","fee_reversal","frozen_funds","identity_theft","poor_service"],"access":"human_only","source":"https://www.regions.com/help/contact-us-by-phone","last_verified":"2026-10-13"}},{"do":"For a credit card, call credit card customer service, or write to the billing error address on the back of your statement.","channel":{"id":"credit-card-phone","type":"phone","label":"Regions Credit Card Customer Service; lost or stolen credit card and credit card disputes","value":"+1-800-253-2265","purposes":["transaction_dispute","unauthorized_charge","fraud","billing_error"],"access":"human_only","source":"https://www.regions.com/help/products-services/credit-cards/account-services/how-do-i-report-my-lost-or-stolen-credit-card","last_verified":"2026-10-13"}},{"do":"If Regions does not resolve it, complain to the CFPB.","regulator":{"id":"cfpb","name":"Consumer Financial Protection Bureau","level":"federal","when_to_use":"Use for a problem with a consumer financial product (bank account, credit card, credit report, debt collection, money transfer, mortgage, loan) after the company did not fix it. Put every fact and document in one complaint, because a second complaint about the same problem is generally not accepted.","channels":[{"id":"complaint-form","type":"web_form","label":"Submit a complaint","value":"https://www.consumerfinance.gov/complaint/","purposes":["credit_report_error","debt_collection","transaction_dispute","fee_reversal","frozen_funds","fraud","billing_error","unauthorized_charge","student_loan_servicing"],"notes":"Online filing takes about 7 to 10 minutes. Your mailing address is required so the company can respond.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-phone","type":"phone","label":"Complaint line","value":"+1-855-411-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","notes":"A phone complaint takes about 25 to 30 minutes.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-tty","type":"phone","label":"Complaint line, TTY/TDD","value":"+1-855-729-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"},{"id":"complaint-mail","type":"mail","label":"Complaints by mail","value":"Consumer Financial Protection Bureau, PO Box 27170, Washington, DC 20038","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The CFPB sends each complaint to the company for a response. If another government agency is better able to help, the CFPB sends the complaint there and tells you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"Companies generally respond in 15 days. In some cases the company says its response is in progress and gives a final response within 60 days.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"You have 60 days after the company responds to give feedback about the response.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB publishes information about the complaint in its public Consumer Complaint Database, without information that directly identifies you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"A complaint should give the key facts in your own words with the important dates, amounts and communications, and may attach supporting documents up to 50 pages. A person filing for someone else must say so, and companies generally need signed written authorization from the consumer.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB says federal student loan programs are within the sole legal purview of the Department of Education, and sends federal loan questions to studentaid.gov.","issues":["student_loan_servicing"],"source":"https://www.consumerfinance.gov/consumer-tools/student-loans/","last_verified":"2026-10-12"}],"notes":"2025-2026 status: the CFPB's funding, staffing and leadership were in litigation (a reduction-in-force order and the acting director's refusal to request Federal Reserve funding; three district courts rejected that refusal, the latest on 2026-09-25). On 2026-10-12 the complaint pages (modified 2026-10-05) still accepted complaints and described the 15-day company response, and the form had added a path for debanking complaints under Executive Order 14331. For federal student loans, use Federal Student Aid (ed-fsa) first."}}],"channels":[{"id":"customer-service-phone","type":"phone","label":"Regions Green Line Customer Service Center (1-800-REGIONS); lost or stolen cards, identity theft, debit and ATM disputes, unauthorized checks","value":"+1-800-734-4667","purposes":["fraud","unauthorized_charge","transaction_dispute","fee_reversal","frozen_funds","identity_theft","poor_service"],"access":"human_only","source":"https://www.regions.com/help/contact-us-by-phone","last_verified":"2026-10-13"},{"id":"credit-card-phone","type":"phone","label":"Regions Credit Card Customer Service; lost or stolen credit card and credit card disputes","value":"+1-800-253-2265","purposes":["transaction_dispute","unauthorized_charge","fraud","billing_error"],"access":"human_only","source":"https://www.regions.com/help/products-services/credit-cards/account-services/how-do-i-report-my-lost-or-stolen-credit-card","last_verified":"2026-10-13"},{"id":"online-debit-dispute","type":"app","label":"Dispute a debit, ATM or prepaid Now Card transaction online","value":"Regions Online Banking > Customer Service tab > Dispute a Card Transaction (or in the mobile app ask Reggie \"Dispute a transaction\")","purposes":["transaction_dispute","unauthorized_charge"],"access":"login","notes":"Regions says ATM card and credit card claims cannot be filed through Online Banking. Only posted transactions can be disputed.","source":"https://www.regions.com/help/dispute-a-transaction","last_verified":"2026-10-13"}],"facts":[{"kind":"policy","claim":"Regions accepts disputes only for posted transactions; pending charges generally must post before you can dispute them.","issues":["transaction_dispute"],"source":"https://www.regions.com/help/dispute-a-transaction","last_verified":"2026-10-13"},{"kind":"process","claim":"Regions says ATM card and credit card transaction claims cannot be filed through Regions Online Banking. Credit card disputes can be made by phone at 1-800-253-2265, at a branch, or by mail to the billing error address on the back of the statement.","issues":["transaction_dispute","billing_error"],"source":"https://www.regions.com/help/dispute-a-transaction","last_verified":"2026-10-13"}],"rules":{"in_force":[{"id":"fcba-billing-error","title":"Fair Credit Billing Act billing-error and purchase-dispute rights (Regulation Z)","citation":"12 CFR 1026.13; 12 CFR 1026.12(c) (Regulation Z)","jurisdiction":"us-federal","status":"in_effect","summary":"For credit card and other open-end credit accounts, a written billing-error notice that the creditor receives within 60 days after it sent the first statement with the error starts a dispute process. The creditor must acknowledge it within 30 days and resolve it within 2 complete billing cycles (no later than 90 days). Until then, the consumer need not pay the disputed amount and the creditor may not collect it or report it as delinquent. A separate rule lets a cardholder assert claims and defenses about a card purchase against the card issuer.","source":"https://www.consumerfinance.gov/rules-policy/regulations/1026/13/","last_verified":"2026-10-12","points_omitted":8,"points":[{"kind":"policy","claim":"Claims and defenses (12 CFR 1026.12(c)): when a merchant does not resolve a dispute about property or services bought with a credit card, the cardholder may assert against the card issuer all claims (other than tort claims) and defenses from the transaction, and may withhold payment up to the amount of credit outstanding for that purchase plus related charges. The issuer may not report that withheld amount as delinquent until the dispute is settled or judgment is rendered.","issues":["transaction_dispute","refund_request"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1026/12/","last_verified":"2026-10-12"},{"kind":"limit","claim":"Claims-and-defenses limits: the cardholder must first make a good faith attempt to resolve the dispute with the merchant, the purchase must exceed $50, and it must have occurred in the same state as the cardholder's current designated address or within 100 miles of it. The $50 and location limits do not apply when the merchant is the card issuer, is controlled by or controls the issuer, is a franchised dealer in the issuer's products, or got the order through a mail solicitation the issuer made or took part in.","issues":["transaction_dispute","refund_request"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1026/12/","last_verified":"2026-10-12"}]}],"not_in_force":[]},"tips":[],"escalation":[{"index":0,"rung":"frontline","channel":{"id":"customer-service-phone","type":"phone","label":"Regions Green Line Customer Service Center (1-800-REGIONS); lost or stolen cards, identity theft, debit and ATM disputes, unauthorized checks","value":"+1-800-734-4667","purposes":["fraud","unauthorized_charge","transaction_dispute","fee_reversal","frozen_funds","identity_theft","poor_service"],"access":"human_only","source":"https://www.regions.com/help/contact-us-by-phone","last_verified":"2026-10-13"}},{"index":1,"rung":"written_complaint","note":"For credit card billing errors, write to the billing error address on the back of your Regions statement. Regions publishes no general complaint address.","candidate_channels":["customer-service-phone","credit-card-phone","online-debit-dispute","phishing-email"]},{"index":2,"rung":"regulator","regulator":{"id":"cfpb","name":"Consumer Financial Protection Bureau","level":"federal","when_to_use":"Use for a problem with a consumer financial product (bank account, credit card, credit report, debt collection, money transfer, mortgage, loan) after the company did not fix it. Put every fact and document in one complaint, because a second complaint about the same problem is generally not accepted.","channels":[{"id":"complaint-form","type":"web_form","label":"Submit a complaint","value":"https://www.consumerfinance.gov/complaint/","purposes":["credit_report_error","debt_collection","transaction_dispute","fee_reversal","frozen_funds","fraud","billing_error","unauthorized_charge","student_loan_servicing"],"notes":"Online filing takes about 7 to 10 minutes. Your mailing address is required so the company can respond.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-phone","type":"phone","label":"Complaint line","value":"+1-855-411-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","notes":"A phone complaint takes about 25 to 30 minutes.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-tty","type":"phone","label":"Complaint line, TTY/TDD","value":"+1-855-729-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"},{"id":"complaint-mail","type":"mail","label":"Complaints by mail","value":"Consumer Financial Protection Bureau, PO Box 27170, Washington, DC 20038","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The CFPB sends each complaint to the company for a response. If another government agency is better able to help, the CFPB sends the complaint there and tells you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"Companies generally respond in 15 days. In some cases the company says its response is in progress and gives a final response within 60 days.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"You have 60 days after the company responds to give feedback about the response.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB publishes information about the complaint in its public Consumer Complaint Database, without information that directly identifies you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"A complaint should give the key facts in your own words with the important dates, amounts and communications, and may attach supporting documents up to 50 pages. A person filing for someone else must say so, and companies generally need signed written authorization from the consumer.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB says federal student loan programs are within the sole legal purview of the Department of Education, and sends federal loan questions to studentaid.gov.","issues":["student_loan_servicing"],"source":"https://www.consumerfinance.gov/consumer-tools/student-loans/","last_verified":"2026-10-12"}],"notes":"2025-2026 status: the CFPB's funding, staffing and leadership were in litigation (a reduction-in-force order and the acting director's refusal to request Federal Reserve funding; three district courts rejected that refusal, the latest on 2026-09-25). On 2026-10-12 the complaint pages (modified 2026-10-05) still accepted complaints and described the 15-day company response, and the form had added a path for debanking complaints under Executive Order 14331. For federal student loans, use Federal Student Aid (ed-fsa) first."}},{"index":3,"rung":"regulator","regulator":{"id":"federal-reserve","name":"Federal Reserve Consumer Help","level":"federal","when_to_use":"Use for a complaint about a financial institution supervised by the Federal Reserve System. If you do not know the bank's regulator, Federal Reserve Consumer Help refers the complaint or tells you where to file, but filing directly with the bank's own regulator is faster.","channels":[{"id":"complaint-form","type":"web_form","label":"File a complaint","value":"https://www.federalreserveconsumerhelp.gov/file-a-complaint/","purposes":["fee_reversal","transaction_dispute","frozen_funds","billing_error"],"notes":"Give a brief description with dates and names. Do not include account numbers or Social Security numbers, and do not attach documents.","source":"https://www.federalreserveconsumerhelp.gov/file-a-complaint/","last_verified":"2026-10-12"},{"id":"phone","type":"phone","label":"Federal Reserve Consumer Help","value":"+1-888-851-1920","hours":"8 a.m. to 6 p.m. CST","notes":"TTY users can call through 7-1-1 relay service.","source":"https://www.federalreserveconsumerhelp.gov/contact-us/","last_verified":"2026-10-12"},{"id":"mail","type":"mail","label":"Mailing address","value":"Federal Reserve Consumer Help, PO Box 1200, Minneapolis, MN 55480","notes":"Fax 1-877-888-2520 is also listed.","source":"https://www.federalreserveconsumerhelp.gov/contact-us/","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The complaint is reviewed and forwarded to the appropriate regulator when applicable. The regulator contacts you if it needs more information.","source":"https://www.federalreserveconsumerhelp.gov/file-a-complaint/","last_verified":"2026-10-12"},{"kind":"process","claim":"Filing directly with the bank's regulator is the most efficient way. Use FDIC BankFind to find the regulator; brokerage complaints go to FINRA and securities or crypto complaints go to the SEC.","source":"https://www.federalreserveconsumerhelp.gov/","last_verified":"2026-10-12"}],"notes":"An announcement shown from 2026-03-13 to 2026-12-31 asks consumers to file directly with the agency that oversees their institution. The site does not state a response time."}},{"index":4,"rung":"state_agency","agency_kind":"financial_regulator","agencies":"Ask for the person's state, then call find_regulators."}],"known_blockers":["Phone lines verify the account holder.","Regions says issues not resolved by phone may require a branch visit.","Online dispute filing needs an Online Banking sign-in and does not cover ATM or credit card claims."],"security":{"official_domains":["regions.com"],"never_asks":[{"kind":"policy","claim":"Regions says it will never call you to ask for one-time codes, usernames, passwords or PINs.","source":"https://www.regions.com/help/what-is-phishing-and-how-should-i-report-it","last_verified":"2026-10-13"}],"known_scams":[{"kind":"policy","claim":"Phishing emails are made to look like Regions communications and try to get your personal or financial information. Smishing is the same scam by text message, and spoof websites are fake sites made to collect your information.","source":"https://www.regions.com/help/report-fraud","last_verified":"2026-10-13"}],"report_phishing":[{"id":"phishing-email","type":"email","label":"Forward suspicious emails that claim to be from Regions, then delete them","value":"phishing@regions.com","purposes":["fraud"],"source":"https://www.regions.com/help/what-is-phishing-and-how-should-i-report-it","last_verified":"2026-10-13"},{"id":"phishing-responded-phone","type":"phone","label":"If you responded to a suspicious message and think your information is at risk (1-800-REGIONS)","value":"+1-800-734-4667","purposes":["fraud"],"access":"human_only","source":"https://www.regions.com/help/what-is-phishing-and-how-should-i-report-it","last_verified":"2026-10-13"}]},"credibility":{"grade":"A","primary_share":1.0,"sources":{"primary":17},"verified_from":{"page":17},"last_verified":"2026-10-13","oldest_verified":"2026-10-13","stale_items":0,"explanation":"Grade A (high: almost everything comes from official pages read directly). 100% of 17 sources are the organization's own pages or government sites.","dossier_last_verified":null},"context":{"dossier":false,"sector_guide":true,"hint":"Call get_context for how this company handles complaints in practice and which scams use its name."},"notes":"Regions Bank is an Alabama state-chartered bank that is a member of the Federal Reserve System (FDIC BankFind cert 12368, regulator FED), so its federal bank regulator is the Federal Reserve. The Regions contact page lists no hours and no complaint mailing address.","warnings":[]},"unauthorized_charge":{"company":{"id":"regions","name":"Regions Bank","sector":"bank","website":"https://www.regions.com","account_url":null},"issue":{"id":"unauthorized_charge","name":"Unauthorized charge"},"playbook_source":"company","summary":"Report the card lost or stolen at once by phone, branch, Online Banking or the app, then dispute the posted charges.","evidence":["statement with the charge","date you noticed it","card status"],"steps":[{"do":"For a debit card, call the lost or stolen debit card line.","channel":{"id":"debit-card-phone","type":"phone","label":"Visa Debit Card Customer Service; lost or stolen Regions debit card","value":"+1-800-295-8472","purposes":["unauthorized_charge","fraud"],"access":"human_only","source":"https://www.regions.com/help/contact-us-by-phone","last_verified":"2026-10-13"}},{"do":"For a credit card, call credit card customer service.","channel":{"id":"credit-card-phone","type":"phone","label":"Regions Credit Card Customer Service; lost or stolen credit card and credit card disputes","value":"+1-800-253-2265","purposes":["transaction_dispute","unauthorized_charge","fraud","billing_error"],"access":"human_only","source":"https://www.regions.com/help/products-services/credit-cards/account-services/how-do-i-report-my-lost-or-stolen-credit-card","last_verified":"2026-10-13"}},{"do":"Dispute posted debit card charges online or by phone.","channel":{"id":"online-debit-dispute","type":"app","label":"Dispute a debit, ATM or prepaid Now Card transaction online","value":"Regions Online Banking > Customer Service tab > Dispute a Card Transaction (or in the mobile app ask Reggie \"Dispute a transaction\")","purposes":["transaction_dispute","unauthorized_charge"],"access":"login","notes":"Regions says ATM card and credit card claims cannot be filed through Online Banking. Only posted transactions can be disputed.","source":"https://www.regions.com/help/dispute-a-transaction","last_verified":"2026-10-13"}},{"do":"If Regions does not resolve it, complain to the CFPB.","regulator":{"id":"cfpb","name":"Consumer Financial Protection Bureau","level":"federal","when_to_use":"Use for a problem with a consumer financial product (bank account, credit card, credit report, debt collection, money transfer, mortgage, loan) after the company did not fix it. Put every fact and document in one complaint, because a second complaint about the same problem is generally not accepted.","channels":[{"id":"complaint-form","type":"web_form","label":"Submit a complaint","value":"https://www.consumerfinance.gov/complaint/","purposes":["credit_report_error","debt_collection","transaction_dispute","fee_reversal","frozen_funds","fraud","billing_error","unauthorized_charge","student_loan_servicing"],"notes":"Online filing takes about 7 to 10 minutes. Your mailing address is required so the company can respond.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-phone","type":"phone","label":"Complaint line","value":"+1-855-411-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","notes":"A phone complaint takes about 25 to 30 minutes.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-tty","type":"phone","label":"Complaint line, TTY/TDD","value":"+1-855-729-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"},{"id":"complaint-mail","type":"mail","label":"Complaints by mail","value":"Consumer Financial Protection Bureau, PO Box 27170, Washington, DC 20038","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The CFPB sends each complaint to the company for a response. If another government agency is better able to help, the CFPB sends the complaint there and tells you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"Companies generally respond in 15 days. In some cases the company says its response is in progress and gives a final response within 60 days.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"You have 60 days after the company responds to give feedback about the response.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB publishes information about the complaint in its public Consumer Complaint Database, without information that directly identifies you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"A complaint should give the key facts in your own words with the important dates, amounts and communications, and may attach supporting documents up to 50 pages. A person filing for someone else must say so, and companies generally need signed written authorization from the consumer.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB says federal student loan programs are within the sole legal purview of the Department of Education, and sends federal loan questions to studentaid.gov.","issues":["student_loan_servicing"],"source":"https://www.consumerfinance.gov/consumer-tools/student-loans/","last_verified":"2026-10-12"}],"notes":"2025-2026 status: the CFPB's funding, staffing and leadership were in litigation (a reduction-in-force order and the acting director's refusal to request Federal Reserve funding; three district courts rejected that refusal, the latest on 2026-09-25). On 2026-10-12 the complaint pages (modified 2026-10-05) still accepted complaints and described the 15-day company response, and the form had added a path for debanking complaints under Executive Order 14331. For federal student loans, use Federal Student Aid (ed-fsa) first."}}],"channels":[{"id":"customer-service-phone","type":"phone","label":"Regions Green Line Customer Service Center (1-800-REGIONS); lost or stolen cards, identity theft, debit and ATM disputes, unauthorized checks","value":"+1-800-734-4667","purposes":["fraud","unauthorized_charge","transaction_dispute","fee_reversal","frozen_funds","identity_theft","poor_service"],"access":"human_only","source":"https://www.regions.com/help/contact-us-by-phone","last_verified":"2026-10-13"},{"id":"debit-card-phone","type":"phone","label":"Visa Debit Card Customer Service; lost or stolen Regions debit card","value":"+1-800-295-8472","purposes":["unauthorized_charge","fraud"],"access":"human_only","source":"https://www.regions.com/help/contact-us-by-phone","last_verified":"2026-10-13"},{"id":"credit-card-phone","type":"phone","label":"Regions Credit Card Customer Service; lost or stolen credit card and credit card disputes","value":"+1-800-253-2265","purposes":["transaction_dispute","unauthorized_charge","fraud","billing_error"],"access":"human_only","source":"https://www.regions.com/help/products-services/credit-cards/account-services/how-do-i-report-my-lost-or-stolen-credit-card","last_verified":"2026-10-13"},{"id":"online-debit-dispute","type":"app","label":"Dispute a debit, ATM or prepaid Now Card transaction online","value":"Regions Online Banking > Customer Service tab > Dispute a Card Transaction (or in the mobile app ask Reggie \"Dispute a transaction\")","purposes":["transaction_dispute","unauthorized_charge"],"access":"login","notes":"Regions says ATM card and credit card claims cannot be filed through Online Banking. Only posted transactions can be disputed.","source":"https://www.regions.com/help/dispute-a-transaction","last_verified":"2026-10-13"}],"facts":[{"kind":"process","claim":"Regions says to report a lost or stolen card immediately by calling 1-800-REGIONS, or through a branch, Online Banking or the mobile app.","issues":["unauthorized_charge","fraud"],"source":"https://www.regions.com/help/report-fraud","last_verified":"2026-10-13"}],"rules":{"in_force":[{"id":"efta-reg-e","title":"Electronic Fund Transfer Act error resolution and unauthorized-transfer liability (Regulation E)","citation":"12 CFR 1005.6; 12 CFR 1005.11; 12 CFR 1005.2(m) (Regulation E)","jurisdiction":"us-federal","status":"in_effect","summary":"For debit cards, ATM transfers, ACH and other electronic fund transfers from a consumer account (including P2P payments that meet the EFT definition), the consumer has 60 days after the statement is sent to report an error. The institution must investigate within 10 business days, or within 45 days if it provisionally credits the account within 10 business days. Liability for unauthorized transfers is capped at $50, $500 or more depending on how fast the consumer reports.","source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/11/","last_verified":"2026-10-12","points":[{"kind":"limit","claim":"If the consumer reports a lost or stolen access device within two business days after learning of the loss or theft, liability is limited to \"the lesser of $50 or the amount of unauthorized transfers that occur before notice\".","issues":["unauthorized_charge","fraud"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/6/","last_verified":"2026-10-12"},{"kind":"limit","claim":"If the consumer does not report within two business days after learning of the loss or theft, liability is \"the lesser of $500 or the sum of\" up to $50 of transfers in the first two business days and later transfers the institution shows would have been prevented by timely notice.","issues":["unauthorized_charge","fraud"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/6/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"An unauthorized transfer that appears on a periodic statement must be reported \"within 60 days of the financial institution's transmittal of the statement\" to avoid liability for later transfers that timely notice would have prevented. The institution must extend these time limits to a reasonable period when extenuating circumstances (for example extended travel or hospitalization) delayed notice.","issues":["unauthorized_charge","fraud"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/6/","last_verified":"2026-10-12"},{"kind":"process","claim":"Notice of an unauthorized transfer may be given in person, by phone or in writing. Written notice is considered given at the time the consumer mails it. Lower liability under state law or the account agreement controls.","issues":["unauthorized_charge","fraud"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/6/","last_verified":"2026-10-12"},{"kind":"policy","claim":"An unauthorized EFT is a transfer from the consumer's account initiated by someone other than the consumer without actual authority and from which the consumer receives no benefit. It does not include a transfer by a person to whom the consumer gave the access device (until the consumer tells the institution that person is no longer authorized), a transfer made with fraudulent intent by the consumer or someone acting with the consumer, or a transfer by the institution or its employee.","issues":["unauthorized_charge","fraud"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/2/","last_verified":"2026-10-12"},{"kind":"policy","claim":"Errors covered by the error-resolution procedure include an unauthorized EFT, an incorrect EFT to or from the account, an omitted transfer on a statement, a computational or bookkeeping error, receiving the wrong amount of cash from an ATM, and a request for documentation or clarification about a transfer.","issues":["unauthorized_charge","fraud","billing_error"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/11/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"The consumer must give notice of an error no later than 60 days after the institution sent the periodic statement on which the error first appears. The notice must let the institution identify the consumer's name and account and say why the consumer believes there is an error. If notice is oral, the institution may require written confirmation within 10 business days.","issues":["unauthorized_charge","fraud","billing_error"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/11/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"The institution must investigate and decide within 10 business days, report results within 3 business days after it completes the investigation, and correct an error within 1 business day after it finds one. It may take up to 45 days only if it provisionally credits the disputed amount within 10 business days. It need not provisionally credit if it asked for written confirmation of an oral notice and did not receive it within 10 business days.","issues":["unauthorized_charge","fraud","billing_error"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/11/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"Longer periods apply in some cases: 20 business days instead of 10 for transfers within 30 days after the first deposit to a new account, and 90 days instead of 45 for point-of-sale debit card transactions, transfers not initiated within a state, and new-account transfers.","issues":["unauthorized_charge","fraud","billing_error"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/11/","last_verified":"2026-10-12"},{"kind":"process","claim":"If the institution finds no error, it must give a written explanation and tell the consumer of the right to request the documents it relied on. If it debits a provisional credit, it must notify the consumer of the date and amount and honor checks and preauthorized transfers for five business days after the notice.","issues":["unauthorized_charge","fraud","billing_error"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/11/","last_verified":"2026-10-12"},{"kind":"policy","claim":"P2P (CFPB guidance, not rule text): the CFPB's Electronic Fund Transfers FAQs state that any P2P payment that meets the definition of an EFT is covered by EFTA and Regulation E, and that when a consumer is fraudulently induced into sharing account access information with a third party, the resulting transfer by that third party is an unauthorized EFT.","issues":["fraud","unauthorized_charge"],"source":"https://www.consumerfinance.gov/compliance/compliance-resources/deposit-accounts-resources/electronic-fund-transfers/electronic-fund-transfers-faqs/","last_verified":"2026-10-12"},{"kind":"process","claim":"CFPB guidance (Electronic Fund Transfers FAQs): an institution must begin its investigation promptly on an oral or written notice of error and may not require a police report or require the consumer to contact the merchant first. Consumer negligence, such as writing a PIN on the card, cannot be used to impose greater liability.","issues":["fraud","unauthorized_charge"],"source":"https://www.consumerfinance.gov/compliance/compliance-resources/deposit-accounts-resources/electronic-fund-transfers/electronic-fund-transfers-faqs/","last_verified":"2026-10-12"}]},{"id":"fcba-billing-error","title":"Fair Credit Billing Act billing-error and purchase-dispute rights (Regulation Z)","citation":"12 CFR 1026.13; 12 CFR 1026.12(c) (Regulation Z)","jurisdiction":"us-federal","status":"in_effect","summary":"For credit card and other open-end credit accounts, a written billing-error notice that the creditor receives within 60 days after it sent the first statement with the error starts a dispute process. The creditor must acknowledge it within 30 days and resolve it within 2 complete billing cycles (no later than 90 days). Until then, the consumer need not pay the disputed amount and the creditor may not collect it or report it as delinquent. A separate rule lets a cardholder assert claims and defenses about a card purchase against the card issuer.","source":"https://www.consumerfinance.gov/rules-policy/regulations/1026/13/","last_verified":"2026-10-12","points_omitted":9,"points":[{"kind":"policy","claim":"A billing error includes a charge for credit not made to the consumer or an authorized user; a charge for property or services not accepted by the consumer or not delivered as agreed; a failure to credit a payment or other credit properly; a computational error by the creditor; a charge for which the consumer asks for clarification, including documentary evidence; and failure to send a statement to the last address the creditor received in writing at least 20 days before the end of the billing cycle.","issues":["billing_error","unauthorized_charge","refund_request"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1026/13/","last_verified":"2026-10-12"}]},{"id":"rosca-negative-option","title":"Restore Online Shoppers' Confidence Act (ROSCA) negative option requirements","citation":"15 U.S.C. 8401-8405","jurisdiction":"us-federal","status":"in_effect","summary":"A seller that charges consumers online through a negative option feature (for example an automatic renewal or a free trial that converts to paid) must clearly disclose all material terms before taking billing information, get the consumer's express informed consent before charging, and provide simple mechanisms to stop recurring charges. The FTC enforces ROSCA.","source":"https://www.law.cornell.edu/uscode/text/15/8403","last_verified":"2026-10-12","points_omitted":1,"points":[{"kind":"policy","claim":"Before obtaining the consumer's billing information, the seller must provide text that \"clearly and conspicuously discloses all material terms of the transaction\".","issues":["cancel_service","unauthorized_charge"],"source":"https://www.law.cornell.edu/uscode/text/15/8403","last_verified":"2026-10-12"},{"kind":"policy","claim":"The seller must obtain \"a consumer's express informed consent before charging the consumer's credit card, debit card, bank account, or other financial account\".","issues":["unauthorized_charge","billing_error"],"source":"https://www.law.cornell.edu/uscode/text/15/8403","last_verified":"2026-10-12"},{"kind":"policy","claim":"A post-transaction third-party seller may not charge a consumer for an online sale unless it discloses the material terms and gets express informed consent, including the consumer's full account number, before charging. An initial merchant may not pass a customer's account number or other billing information to such a seller.","issues":["unauthorized_charge"],"source":"https://www.law.cornell.edu/uscode/text/15/8402","last_verified":"2026-10-12"},{"kind":"process","claim":"A ROSCA violation is treated as a violation of an FTC rule on unfair or deceptive acts or practices, and the FTC enforces ROSCA with its FTC Act powers and penalties. Report violations to the FTC.","issues":["cancel_service","unauthorized_charge"],"source":"https://www.law.cornell.edu/uscode/text/15/8404","last_verified":"2026-10-12"}]},{"id":"tila-unauthorized-card-liability","title":"Credit card unauthorized-use liability limit (Regulation Z)","citation":"12 CFR 1026.12(b) (Regulation Z)","jurisdiction":"us-federal","status":"in_effect","summary":"A cardholder's liability for unauthorized use of a credit card cannot exceed the lesser of $50 or the amount obtained before the cardholder notifies the card issuer. Notice can be in person, by phone or in writing. A state law or the card agreement that sets lower liability controls.","source":"https://www.consumerfinance.gov/rules-policy/regulations/1026/12/","last_verified":"2026-10-12","points":[{"kind":"limit","claim":"Liability for unauthorized use \"shall not exceed the lesser of $50 or the amount of money, property, labor, or services obtained by the unauthorized use before notification to the card issuer\".","issues":["unauthorized_charge","fraud"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1026/12/","last_verified":"2026-10-12"},{"kind":"policy","claim":"Unauthorized use means use by a person other than the cardholder who does not have actual, implied or apparent authority for the use, and from which the cardholder receives no benefit.","issues":["unauthorized_charge","fraud"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1026/12/","last_verified":"2026-10-12"},{"kind":"policy","claim":"The issuer can hold the cardholder liable only if the card is an accepted card, the issuer gave adequate notice of the maximum potential liability and of how to report loss or theft, and the issuer provided a means to identify the cardholder or authorized user.","issues":["unauthorized_charge"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1026/12/","last_verified":"2026-10-12"},{"kind":"process","claim":"Notice to the issuer may be given in person, by telephone or in writing, at the cardholder's option. Written notice counts as given when received or when the time ordinarily required for transmission has passed, whichever is earlier.","issues":["unauthorized_charge","fraud"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1026/12/","last_verified":"2026-10-12"},{"kind":"limit","claim":"If state law or the cardholder agreement sets lower liability, \"the lesser liability shall govern\". When an issuer gives 10 or more cards to employees of one organization, the issuer and the organization may agree to different liability terms, but an employee can still be held liable only as this section permits.","issues":["unauthorized_charge"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1026/12/","last_verified":"2026-10-12"}]}],"not_in_force":[]},"tips":[],"escalation":[{"index":0,"rung":"frontline","channel":{"id":"customer-service-phone","type":"phone","label":"Regions Green Line Customer Service Center (1-800-REGIONS); lost or stolen cards, identity theft, debit and ATM disputes, unauthorized checks","value":"+1-800-734-4667","purposes":["fraud","unauthorized_charge","transaction_dispute","fee_reversal","frozen_funds","identity_theft","poor_service"],"access":"human_only","source":"https://www.regions.com/help/contact-us-by-phone","last_verified":"2026-10-13"}},{"index":1,"rung":"written_complaint","note":"For credit card billing errors, write to the billing error address on the back of your Regions statement. Regions publishes no general complaint address.","candidate_channels":["customer-service-phone","credit-card-phone","online-debit-dispute","phishing-email"]},{"index":2,"rung":"regulator","regulator":{"id":"cfpb","name":"Consumer Financial Protection Bureau","level":"federal","when_to_use":"Use for a problem with a consumer financial product (bank account, credit card, credit report, debt collection, money transfer, mortgage, loan) after the company did not fix it. Put every fact and document in one complaint, because a second complaint about the same problem is generally not accepted.","channels":[{"id":"complaint-form","type":"web_form","label":"Submit a complaint","value":"https://www.consumerfinance.gov/complaint/","purposes":["credit_report_error","debt_collection","transaction_dispute","fee_reversal","frozen_funds","fraud","billing_error","unauthorized_charge","student_loan_servicing"],"notes":"Online filing takes about 7 to 10 minutes. Your mailing address is required so the company can respond.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-phone","type":"phone","label":"Complaint line","value":"+1-855-411-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","notes":"A phone complaint takes about 25 to 30 minutes.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-tty","type":"phone","label":"Complaint line, TTY/TDD","value":"+1-855-729-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"},{"id":"complaint-mail","type":"mail","label":"Complaints by mail","value":"Consumer Financial Protection Bureau, PO Box 27170, Washington, DC 20038","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The CFPB sends each complaint to the company for a response. If another government agency is better able to help, the CFPB sends the complaint there and tells you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"Companies generally respond in 15 days. In some cases the company says its response is in progress and gives a final response within 60 days.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"You have 60 days after the company responds to give feedback about the response.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB publishes information about the complaint in its public Consumer Complaint Database, without information that directly identifies you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"A complaint should give the key facts in your own words with the important dates, amounts and communications, and may attach supporting documents up to 50 pages. A person filing for someone else must say so, and companies generally need signed written authorization from the consumer.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB says federal student loan programs are within the sole legal purview of the Department of Education, and sends federal loan questions to studentaid.gov.","issues":["student_loan_servicing"],"source":"https://www.consumerfinance.gov/consumer-tools/student-loans/","last_verified":"2026-10-12"}],"notes":"2025-2026 status: the CFPB's funding, staffing and leadership were in litigation (a reduction-in-force order and the acting director's refusal to request Federal Reserve funding; three district courts rejected that refusal, the latest on 2026-09-25). On 2026-10-12 the complaint pages (modified 2026-10-05) still accepted complaints and described the 15-day company response, and the form had added a path for debanking complaints under Executive Order 14331. For federal student loans, use Federal Student Aid (ed-fsa) first."}},{"index":3,"rung":"regulator","regulator":{"id":"federal-reserve","name":"Federal Reserve Consumer Help","level":"federal","when_to_use":"Use for a complaint about a financial institution supervised by the Federal Reserve System. If you do not know the bank's regulator, Federal Reserve Consumer Help refers the complaint or tells you where to file, but filing directly with the bank's own regulator is faster.","channels":[{"id":"complaint-form","type":"web_form","label":"File a complaint","value":"https://www.federalreserveconsumerhelp.gov/file-a-complaint/","purposes":["fee_reversal","transaction_dispute","frozen_funds","billing_error"],"notes":"Give a brief description with dates and names. Do not include account numbers or Social Security numbers, and do not attach documents.","source":"https://www.federalreserveconsumerhelp.gov/file-a-complaint/","last_verified":"2026-10-12"},{"id":"phone","type":"phone","label":"Federal Reserve Consumer Help","value":"+1-888-851-1920","hours":"8 a.m. to 6 p.m. CST","notes":"TTY users can call through 7-1-1 relay service.","source":"https://www.federalreserveconsumerhelp.gov/contact-us/","last_verified":"2026-10-12"},{"id":"mail","type":"mail","label":"Mailing address","value":"Federal Reserve Consumer Help, PO Box 1200, Minneapolis, MN 55480","notes":"Fax 1-877-888-2520 is also listed.","source":"https://www.federalreserveconsumerhelp.gov/contact-us/","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The complaint is reviewed and forwarded to the appropriate regulator when applicable. The regulator contacts you if it needs more information.","source":"https://www.federalreserveconsumerhelp.gov/file-a-complaint/","last_verified":"2026-10-12"},{"kind":"process","claim":"Filing directly with the bank's regulator is the most efficient way. Use FDIC BankFind to find the regulator; brokerage complaints go to FINRA and securities or crypto complaints go to the SEC.","source":"https://www.federalreserveconsumerhelp.gov/","last_verified":"2026-10-12"}],"notes":"An announcement shown from 2026-03-13 to 2026-12-31 asks consumers to file directly with the agency that oversees their institution. The site does not state a response time."}},{"index":4,"rung":"state_agency","agency_kind":"financial_regulator","agencies":"Ask for the person's state, then call find_regulators."}],"known_blockers":["Phone lines verify the account holder.","Regions says issues not resolved by phone may require a branch visit.","Online dispute filing needs an Online Banking sign-in and does not cover ATM or credit card claims."],"security":{"official_domains":["regions.com"],"never_asks":[{"kind":"policy","claim":"Regions says it will never call you to ask for one-time codes, usernames, passwords or PINs.","source":"https://www.regions.com/help/what-is-phishing-and-how-should-i-report-it","last_verified":"2026-10-13"}],"known_scams":[{"kind":"policy","claim":"Phishing emails are made to look like Regions communications and try to get your personal or financial information. Smishing is the same scam by text message, and spoof websites are fake sites made to collect your information.","source":"https://www.regions.com/help/report-fraud","last_verified":"2026-10-13"}],"report_phishing":[{"id":"phishing-email","type":"email","label":"Forward suspicious emails that claim to be from Regions, then delete them","value":"phishing@regions.com","purposes":["fraud"],"source":"https://www.regions.com/help/what-is-phishing-and-how-should-i-report-it","last_verified":"2026-10-13"},{"id":"phishing-responded-phone","type":"phone","label":"If you responded to a suspicious message and think your information is at risk (1-800-REGIONS)","value":"+1-800-734-4667","purposes":["fraud"],"access":"human_only","source":"https://www.regions.com/help/what-is-phishing-and-how-should-i-report-it","last_verified":"2026-10-13"}]},"credibility":{"grade":"A","primary_share":1.0,"sources":{"primary":17},"verified_from":{"page":17},"last_verified":"2026-10-13","oldest_verified":"2026-10-13","stale_items":0,"explanation":"Grade A (high: almost everything comes from official pages read directly). 100% of 17 sources are the organization's own pages or government sites.","dossier_last_verified":null},"context":{"dossier":false,"sector_guide":true,"hint":"Call get_context for how this company handles complaints in practice and which scams use its name."},"notes":"Regions Bank is an Alabama state-chartered bank that is a member of the Federal Reserve System (FDIC BankFind cert 12368, regulator FED), so its federal bank regulator is the Federal Reserve. The Regions contact page lists no hours and no complaint mailing address.","warnings":[]},"fraud":{"company":{"id":"regions","name":"Regions Bank","sector":"bank","website":"https://www.regions.com","account_url":null},"issue":{"id":"fraud","name":"Fraud or scam"},"playbook_source":"company","summary":"Call 1-800-REGIONS for identity theft or if you gave out codes or passwords; forward phishing emails to phishing@regions.com.","evidence":["transaction details","messages from the scammer","FTC or police report number"],"steps":[{"do":"If an account was opened in your name or compromised, call a Regions banker.","channel":{"id":"customer-service-phone","type":"phone","label":"Regions Green Line Customer Service Center (1-800-REGIONS); lost or stolen cards, identity theft, debit and ATM disputes, unauthorized checks","value":"+1-800-734-4667","purposes":["fraud","unauthorized_charge","transaction_dispute","fee_reversal","frozen_funds","identity_theft","poor_service"],"access":"human_only","source":"https://www.regions.com/help/contact-us-by-phone","last_verified":"2026-10-13"}},{"do":"Forward phishing emails to Regions and delete them.","channel":{"id":"phishing-email","type":"email","label":"Forward suspicious emails that claim to be from Regions, then delete them","value":"phishing@regions.com","purposes":["fraud"],"source":"https://www.regions.com/help/what-is-phishing-and-how-should-i-report-it","last_verified":"2026-10-13"}},{"do":"Report identity theft to the FTC, then complain to the CFPB if the bank does not act.","regulator":{"id":"cfpb","name":"Consumer Financial Protection Bureau","level":"federal","when_to_use":"Use for a problem with a consumer financial product (bank account, credit card, credit report, debt collection, money transfer, mortgage, loan) after the company did not fix it. Put every fact and document in one complaint, because a second complaint about the same problem is generally not accepted.","channels":[{"id":"complaint-form","type":"web_form","label":"Submit a complaint","value":"https://www.consumerfinance.gov/complaint/","purposes":["credit_report_error","debt_collection","transaction_dispute","fee_reversal","frozen_funds","fraud","billing_error","unauthorized_charge","student_loan_servicing"],"notes":"Online filing takes about 7 to 10 minutes. Your mailing address is required so the company can respond.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-phone","type":"phone","label":"Complaint line","value":"+1-855-411-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","notes":"A phone complaint takes about 25 to 30 minutes.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-tty","type":"phone","label":"Complaint line, TTY/TDD","value":"+1-855-729-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"},{"id":"complaint-mail","type":"mail","label":"Complaints by mail","value":"Consumer Financial Protection Bureau, PO Box 27170, Washington, DC 20038","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The CFPB sends each complaint to the company for a response. If another government agency is better able to help, the CFPB sends the complaint there and tells you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"Companies generally respond in 15 days. In some cases the company says its response is in progress and gives a final response within 60 days.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"You have 60 days after the company responds to give feedback about the response.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB publishes information about the complaint in its public Consumer Complaint Database, without information that directly identifies you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"A complaint should give the key facts in your own words with the important dates, amounts and communications, and may attach supporting documents up to 50 pages. A person filing for someone else must say so, and companies generally need signed written authorization from the consumer.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB says federal student loan programs are within the sole legal purview of the Department of Education, and sends federal loan questions to studentaid.gov.","issues":["student_loan_servicing"],"source":"https://www.consumerfinance.gov/consumer-tools/student-loans/","last_verified":"2026-10-12"}],"notes":"2025-2026 status: the CFPB's funding, staffing and leadership were in litigation (a reduction-in-force order and the acting director's refusal to request Federal Reserve funding; three district courts rejected that refusal, the latest on 2026-09-25). On 2026-10-12 the complaint pages (modified 2026-10-05) still accepted complaints and described the 15-day company response, and the form had added a path for debanking complaints under Executive Order 14331. For federal student loans, use Federal Student Aid (ed-fsa) first."}}],"channels":[{"id":"customer-service-phone","type":"phone","label":"Regions Green Line Customer Service Center (1-800-REGIONS); lost or stolen cards, identity theft, debit and ATM disputes, unauthorized checks","value":"+1-800-734-4667","purposes":["fraud","unauthorized_charge","transaction_dispute","fee_reversal","frozen_funds","identity_theft","poor_service"],"access":"human_only","source":"https://www.regions.com/help/contact-us-by-phone","last_verified":"2026-10-13"},{"id":"debit-card-phone","type":"phone","label":"Visa Debit Card Customer Service; lost or stolen Regions debit card","value":"+1-800-295-8472","purposes":["unauthorized_charge","fraud"],"access":"human_only","source":"https://www.regions.com/help/contact-us-by-phone","last_verified":"2026-10-13"},{"id":"credit-card-phone","type":"phone","label":"Regions Credit Card Customer Service; lost or stolen credit card and credit card disputes","value":"+1-800-253-2265","purposes":["transaction_dispute","unauthorized_charge","fraud","billing_error"],"access":"human_only","source":"https://www.regions.com/help/products-services/credit-cards/account-services/how-do-i-report-my-lost-or-stolen-credit-card","last_verified":"2026-10-13"},{"id":"phishing-email","type":"email","label":"Forward suspicious emails that claim to be from Regions, then delete them","value":"phishing@regions.com","purposes":["fraud"],"source":"https://www.regions.com/help/what-is-phishing-and-how-should-i-report-it","last_verified":"2026-10-13"}],"facts":[{"kind":"process","claim":"If you gave out one-time codes, usernames, passwords or PINs in reply to a suspicious message, Regions says to call 1-800-REGIONS (1-800-734-4667) right away.","issues":["fraud"],"source":"https://www.regions.com/help/what-is-phishing-and-how-should-i-report-it","last_verified":"2026-10-13"}],"rules":{"in_force":[{"id":"efta-reg-e","title":"Electronic Fund Transfer Act error resolution and unauthorized-transfer liability (Regulation E)","citation":"12 CFR 1005.6; 12 CFR 1005.11; 12 CFR 1005.2(m) (Regulation E)","jurisdiction":"us-federal","status":"in_effect","summary":"For debit cards, ATM transfers, ACH and other electronic fund transfers from a consumer account (including P2P payments that meet the EFT definition), the consumer has 60 days after the statement is sent to report an error. The institution must investigate within 10 business days, or within 45 days if it provisionally credits the account within 10 business days. Liability for unauthorized transfers is capped at $50, $500 or more depending on how fast the consumer reports.","source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/11/","last_verified":"2026-10-12","points":[{"kind":"limit","claim":"If the consumer reports a lost or stolen access device within two business days after learning of the loss or theft, liability is limited to \"the lesser of $50 or the amount of unauthorized transfers that occur before notice\".","issues":["unauthorized_charge","fraud"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/6/","last_verified":"2026-10-12"},{"kind":"limit","claim":"If the consumer does not report within two business days after learning of the loss or theft, liability is \"the lesser of $500 or the sum of\" up to $50 of transfers in the first two business days and later transfers the institution shows would have been prevented by timely notice.","issues":["unauthorized_charge","fraud"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/6/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"An unauthorized transfer that appears on a periodic statement must be reported \"within 60 days of the financial institution's transmittal of the statement\" to avoid liability for later transfers that timely notice would have prevented. The institution must extend these time limits to a reasonable period when extenuating circumstances (for example extended travel or hospitalization) delayed notice.","issues":["unauthorized_charge","fraud"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/6/","last_verified":"2026-10-12"},{"kind":"process","claim":"Notice of an unauthorized transfer may be given in person, by phone or in writing. Written notice is considered given at the time the consumer mails it. Lower liability under state law or the account agreement controls.","issues":["unauthorized_charge","fraud"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/6/","last_verified":"2026-10-12"},{"kind":"policy","claim":"An unauthorized EFT is a transfer from the consumer's account initiated by someone other than the consumer without actual authority and from which the consumer receives no benefit. It does not include a transfer by a person to whom the consumer gave the access device (until the consumer tells the institution that person is no longer authorized), a transfer made with fraudulent intent by the consumer or someone acting with the consumer, or a transfer by the institution or its employee.","issues":["unauthorized_charge","fraud"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/2/","last_verified":"2026-10-12"},{"kind":"policy","claim":"Errors covered by the error-resolution procedure include an unauthorized EFT, an incorrect EFT to or from the account, an omitted transfer on a statement, a computational or bookkeeping error, receiving the wrong amount of cash from an ATM, and a request for documentation or clarification about a transfer.","issues":["unauthorized_charge","fraud","billing_error"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/11/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"The consumer must give notice of an error no later than 60 days after the institution sent the periodic statement on which the error first appears. The notice must let the institution identify the consumer's name and account and say why the consumer believes there is an error. If notice is oral, the institution may require written confirmation within 10 business days.","issues":["unauthorized_charge","fraud","billing_error"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/11/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"The institution must investigate and decide within 10 business days, report results within 3 business days after it completes the investigation, and correct an error within 1 business day after it finds one. It may take up to 45 days only if it provisionally credits the disputed amount within 10 business days. It need not provisionally credit if it asked for written confirmation of an oral notice and did not receive it within 10 business days.","issues":["unauthorized_charge","fraud","billing_error"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/11/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"Longer periods apply in some cases: 20 business days instead of 10 for transfers within 30 days after the first deposit to a new account, and 90 days instead of 45 for point-of-sale debit card transactions, transfers not initiated within a state, and new-account transfers.","issues":["unauthorized_charge","fraud","billing_error"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/11/","last_verified":"2026-10-12"},{"kind":"process","claim":"If the institution finds no error, it must give a written explanation and tell the consumer of the right to request the documents it relied on. If it debits a provisional credit, it must notify the consumer of the date and amount and honor checks and preauthorized transfers for five business days after the notice.","issues":["unauthorized_charge","fraud","billing_error"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1005/11/","last_verified":"2026-10-12"},{"kind":"policy","claim":"P2P (CFPB guidance, not rule text): the CFPB's Electronic Fund Transfers FAQs state that any P2P payment that meets the definition of an EFT is covered by EFTA and Regulation E, and that when a consumer is fraudulently induced into sharing account access information with a third party, the resulting transfer by that third party is an unauthorized EFT.","issues":["fraud","unauthorized_charge"],"source":"https://www.consumerfinance.gov/compliance/compliance-resources/deposit-accounts-resources/electronic-fund-transfers/electronic-fund-transfers-faqs/","last_verified":"2026-10-12"},{"kind":"process","claim":"CFPB guidance (Electronic Fund Transfers FAQs): an institution must begin its investigation promptly on an oral or written notice of error and may not require a police report or require the consumer to contact the merchant first. Consumer negligence, such as writing a PIN on the card, cannot be used to impose greater liability.","issues":["fraud","unauthorized_charge"],"source":"https://www.consumerfinance.gov/compliance/compliance-resources/deposit-accounts-resources/electronic-fund-transfers/electronic-fund-transfers-faqs/","last_verified":"2026-10-12"}]},{"id":"tila-unauthorized-card-liability","title":"Credit card unauthorized-use liability limit (Regulation Z)","citation":"12 CFR 1026.12(b) (Regulation Z)","jurisdiction":"us-federal","status":"in_effect","summary":"A cardholder's liability for unauthorized use of a credit card cannot exceed the lesser of $50 or the amount obtained before the cardholder notifies the card issuer. Notice can be in person, by phone or in writing. A state law or the card agreement that sets lower liability controls.","source":"https://www.consumerfinance.gov/rules-policy/regulations/1026/12/","last_verified":"2026-10-12","points_omitted":2,"points":[{"kind":"limit","claim":"Liability for unauthorized use \"shall not exceed the lesser of $50 or the amount of money, property, labor, or services obtained by the unauthorized use before notification to the card issuer\".","issues":["unauthorized_charge","fraud"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1026/12/","last_verified":"2026-10-12"},{"kind":"policy","claim":"Unauthorized use means use by a person other than the cardholder who does not have actual, implied or apparent authority for the use, and from which the cardholder receives no benefit.","issues":["unauthorized_charge","fraud"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1026/12/","last_verified":"2026-10-12"},{"kind":"process","claim":"Notice to the issuer may be given in person, by telephone or in writing, at the cardholder's option. Written notice counts as given when received or when the time ordinarily required for transmission has passed, whichever is earlier.","issues":["unauthorized_charge","fraud"],"source":"https://www.consumerfinance.gov/rules-policy/regulations/1026/12/","last_verified":"2026-10-12"}]}],"not_in_force":[]},"tips":[],"escalation":[{"index":0,"rung":"frontline","channel":{"id":"customer-service-phone","type":"phone","label":"Regions Green Line Customer Service Center (1-800-REGIONS); lost or stolen cards, identity theft, debit and ATM disputes, unauthorized checks","value":"+1-800-734-4667","purposes":["fraud","unauthorized_charge","transaction_dispute","fee_reversal","frozen_funds","identity_theft","poor_service"],"access":"human_only","source":"https://www.regions.com/help/contact-us-by-phone","last_verified":"2026-10-13"}},{"index":1,"rung":"written_complaint","note":"For credit card billing errors, write to the billing error address on the back of your Regions statement. Regions publishes no general complaint address.","candidate_channels":["customer-service-phone","credit-card-phone","online-debit-dispute","phishing-email"]},{"index":2,"rung":"regulator","regulator":{"id":"cfpb","name":"Consumer Financial Protection Bureau","level":"federal","when_to_use":"Use for a problem with a consumer financial product (bank account, credit card, credit report, debt collection, money transfer, mortgage, loan) after the company did not fix it. Put every fact and document in one complaint, because a second complaint about the same problem is generally not accepted.","channels":[{"id":"complaint-form","type":"web_form","label":"Submit a complaint","value":"https://www.consumerfinance.gov/complaint/","purposes":["credit_report_error","debt_collection","transaction_dispute","fee_reversal","frozen_funds","fraud","billing_error","unauthorized_charge","student_loan_servicing"],"notes":"Online filing takes about 7 to 10 minutes. Your mailing address is required so the company can respond.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-phone","type":"phone","label":"Complaint line","value":"+1-855-411-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","notes":"A phone complaint takes about 25 to 30 minutes.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-tty","type":"phone","label":"Complaint line, TTY/TDD","value":"+1-855-729-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"},{"id":"complaint-mail","type":"mail","label":"Complaints by mail","value":"Consumer Financial Protection Bureau, PO Box 27170, Washington, DC 20038","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The CFPB sends each complaint to the company for a response. If another government agency is better able to help, the CFPB sends the complaint there and tells you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"Companies generally respond in 15 days. In some cases the company says its response is in progress and gives a final response within 60 days.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"You have 60 days after the company responds to give feedback about the response.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB publishes information about the complaint in its public Consumer Complaint Database, without information that directly identifies you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"A complaint should give the key facts in your own words with the important dates, amounts and communications, and may attach supporting documents up to 50 pages. A person filing for someone else must say so, and companies generally need signed written authorization from the consumer.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB says federal student loan programs are within the sole legal purview of the Department of Education, and sends federal loan questions to studentaid.gov.","issues":["student_loan_servicing"],"source":"https://www.consumerfinance.gov/consumer-tools/student-loans/","last_verified":"2026-10-12"}],"notes":"2025-2026 status: the CFPB's funding, staffing and leadership were in litigation (a reduction-in-force order and the acting director's refusal to request Federal Reserve funding; three district courts rejected that refusal, the latest on 2026-09-25). On 2026-10-12 the complaint pages (modified 2026-10-05) still accepted complaints and described the 15-day company response, and the form had added a path for debanking complaints under Executive Order 14331. For federal student loans, use Federal Student Aid (ed-fsa) first."}},{"index":3,"rung":"regulator","regulator":{"id":"federal-reserve","name":"Federal Reserve Consumer Help","level":"federal","when_to_use":"Use for a complaint about a financial institution supervised by the Federal Reserve System. If you do not know the bank's regulator, Federal Reserve Consumer Help refers the complaint or tells you where to file, but filing directly with the bank's own regulator is faster.","channels":[{"id":"complaint-form","type":"web_form","label":"File a complaint","value":"https://www.federalreserveconsumerhelp.gov/file-a-complaint/","purposes":["fee_reversal","transaction_dispute","frozen_funds","billing_error"],"notes":"Give a brief description with dates and names. Do not include account numbers or Social Security numbers, and do not attach documents.","source":"https://www.federalreserveconsumerhelp.gov/file-a-complaint/","last_verified":"2026-10-12"},{"id":"phone","type":"phone","label":"Federal Reserve Consumer Help","value":"+1-888-851-1920","hours":"8 a.m. to 6 p.m. CST","notes":"TTY users can call through 7-1-1 relay service.","source":"https://www.federalreserveconsumerhelp.gov/contact-us/","last_verified":"2026-10-12"},{"id":"mail","type":"mail","label":"Mailing address","value":"Federal Reserve Consumer Help, PO Box 1200, Minneapolis, MN 55480","notes":"Fax 1-877-888-2520 is also listed.","source":"https://www.federalreserveconsumerhelp.gov/contact-us/","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The complaint is reviewed and forwarded to the appropriate regulator when applicable. The regulator contacts you if it needs more information.","source":"https://www.federalreserveconsumerhelp.gov/file-a-complaint/","last_verified":"2026-10-12"},{"kind":"process","claim":"Filing directly with the bank's regulator is the most efficient way. Use FDIC BankFind to find the regulator; brokerage complaints go to FINRA and securities or crypto complaints go to the SEC.","source":"https://www.federalreserveconsumerhelp.gov/","last_verified":"2026-10-12"}],"notes":"An announcement shown from 2026-03-13 to 2026-12-31 asks consumers to file directly with the agency that oversees their institution. The site does not state a response time."}},{"index":4,"rung":"state_agency","agency_kind":"financial_regulator","agencies":"Ask for the person's state, then call find_regulators."}],"known_blockers":["Phone lines verify the account holder.","Regions says issues not resolved by phone may require a branch visit.","Online dispute filing needs an Online Banking sign-in and does not cover ATM or credit card claims."],"security":{"official_domains":["regions.com"],"never_asks":[{"kind":"policy","claim":"Regions says it will never call you to ask for one-time codes, usernames, passwords or PINs.","source":"https://www.regions.com/help/what-is-phishing-and-how-should-i-report-it","last_verified":"2026-10-13"}],"known_scams":[{"kind":"policy","claim":"Phishing emails are made to look like Regions communications and try to get your personal or financial information. Smishing is the same scam by text message, and spoof websites are fake sites made to collect your information.","source":"https://www.regions.com/help/report-fraud","last_verified":"2026-10-13"}],"report_phishing":[{"id":"phishing-email","type":"email","label":"Forward suspicious emails that claim to be from Regions, then delete them","value":"phishing@regions.com","purposes":["fraud"],"source":"https://www.regions.com/help/what-is-phishing-and-how-should-i-report-it","last_verified":"2026-10-13"},{"id":"phishing-responded-phone","type":"phone","label":"If you responded to a suspicious message and think your information is at risk (1-800-REGIONS)","value":"+1-800-734-4667","purposes":["fraud"],"access":"human_only","source":"https://www.regions.com/help/what-is-phishing-and-how-should-i-report-it","last_verified":"2026-10-13"}]},"credibility":{"grade":"A","primary_share":1.0,"sources":{"primary":17},"verified_from":{"page":17},"last_verified":"2026-10-13","oldest_verified":"2026-10-13","stale_items":0,"explanation":"Grade A (high: almost everything comes from official pages read directly). 100% of 17 sources are the organization's own pages or government sites.","dossier_last_verified":null},"context":{"dossier":false,"sector_guide":true,"hint":"Call get_context for how this company handles complaints in practice and which scams use its name."},"notes":"Regions Bank is an Alabama state-chartered bank that is a member of the Federal Reserve System (FDIC BankFind cert 12368, regulator FED), so its federal bank regulator is the Federal Reserve. The Regions contact page lists no hours and no complaint mailing address.","warnings":[]},"fee_reversal":{"company":{"id":"regions","name":"Regions Bank","sector":"bank","website":"https://www.regions.com","account_url":null},"issue":{"id":"fee_reversal","name":"Fee reversal"},"playbook_source":"company","summary":"Check the $5 rule and the Overdraft Grace deadline (8 p.m. Central the next business day), then ask for a reversal.","evidence":["statement showing the fee","available balance by date","deposit times"],"steps":[{"do":"Check whether the overdraft was $5 or less after end-of-day processing, or whether you restored the balance by the Overdraft Grace deadline."},{"do":"Call customer service and ask for the fee to be reversed.","channel":{"id":"customer-service-phone","type":"phone","label":"Regions Green Line Customer Service Center (1-800-REGIONS); lost or stolen cards, identity theft, debit and ATM disputes, unauthorized checks","value":"+1-800-734-4667","purposes":["fraud","unauthorized_charge","transaction_dispute","fee_reversal","frozen_funds","identity_theft","poor_service"],"access":"human_only","source":"https://www.regions.com/help/contact-us-by-phone","last_verified":"2026-10-13"}},{"do":"If the fee breaks the stated rules and Regions refuses, complain to the CFPB.","regulator":{"id":"cfpb","name":"Consumer Financial Protection Bureau","level":"federal","when_to_use":"Use for a problem with a consumer financial product (bank account, credit card, credit report, debt collection, money transfer, mortgage, loan) after the company did not fix it. Put every fact and document in one complaint, because a second complaint about the same problem is generally not accepted.","channels":[{"id":"complaint-form","type":"web_form","label":"Submit a complaint","value":"https://www.consumerfinance.gov/complaint/","purposes":["credit_report_error","debt_collection","transaction_dispute","fee_reversal","frozen_funds","fraud","billing_error","unauthorized_charge","student_loan_servicing"],"notes":"Online filing takes about 7 to 10 minutes. Your mailing address is required so the company can respond.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-phone","type":"phone","label":"Complaint line","value":"+1-855-411-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","notes":"A phone complaint takes about 25 to 30 minutes.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-tty","type":"phone","label":"Complaint line, TTY/TDD","value":"+1-855-729-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"},{"id":"complaint-mail","type":"mail","label":"Complaints by mail","value":"Consumer Financial Protection Bureau, PO Box 27170, Washington, DC 20038","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The CFPB sends each complaint to the company for a response. If another government agency is better able to help, the CFPB sends the complaint there and tells you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"Companies generally respond in 15 days. In some cases the company says its response is in progress and gives a final response within 60 days.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"You have 60 days after the company responds to give feedback about the response.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB publishes information about the complaint in its public Consumer Complaint Database, without information that directly identifies you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"A complaint should give the key facts in your own words with the important dates, amounts and communications, and may attach supporting documents up to 50 pages. A person filing for someone else must say so, and companies generally need signed written authorization from the consumer.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB says federal student loan programs are within the sole legal purview of the Department of Education, and sends federal loan questions to studentaid.gov.","issues":["student_loan_servicing"],"source":"https://www.consumerfinance.gov/consumer-tools/student-loans/","last_verified":"2026-10-12"}],"notes":"2025-2026 status: the CFPB's funding, staffing and leadership were in litigation (a reduction-in-force order and the acting director's refusal to request Federal Reserve funding; three district courts rejected that refusal, the latest on 2026-09-25). On 2026-10-12 the complaint pages (modified 2026-10-05) still accepted complaints and described the 15-day company response, and the form had added a path for debanking complaints under Executive Order 14331. For federal student loans, use Federal Student Aid (ed-fsa) first."}}],"channels":[{"id":"customer-service-phone","type":"phone","label":"Regions Green Line Customer Service Center (1-800-REGIONS); lost or stolen cards, identity theft, debit and ATM disputes, unauthorized checks","value":"+1-800-734-4667","purposes":["fraud","unauthorized_charge","transaction_dispute","fee_reversal","frozen_funds","identity_theft","poor_service"],"access":"human_only","source":"https://www.regions.com/help/contact-us-by-phone","last_verified":"2026-10-13"}],"facts":[{"kind":"fee","claim":"The Paid Overdraft Item fee is $36 per item, with no more than three Paid Overdraft Item fees per day for personal and small business accounts.","issues":["fee_reversal"],"source":"https://www.regions.com/help/products-services/checking-accounts/overdraft-services/what-are-the-fees-for-overdrafts","last_verified":"2026-10-13"},{"kind":"policy","claim":"Regions does not charge a Paid Overdraft Item fee for items that post on a day when the available balance is overdrawn by $5 or less after end-of-day processing, and charges nothing when an item is returned for insufficient funds.","issues":["fee_reversal"],"source":"https://www.regions.com/help/products-services/checking-accounts/overdraft-services/what-are-the-fees-for-overdrafts","last_verified":"2026-10-13"},{"kind":"deadline","claim":"Overdraft Grace - if your account is overdrawn by more than $5, you have until 8 p.m. Central Time the next business day to add funds; if the balance is then positive or overdrawn by no more than $5 after nightly processing, no overdraft fee is charged. Money Market, Now Checking and SafeGuard Checking accounts are not eligible.","issues":["fee_reversal"],"source":"https://www.regions.com/personal-banking/overdraft-grace","last_verified":"2026-10-13"}],"rules":{"in_force":[],"not_in_force":[{"id":"cfpb-late-fee-rule","title":"CFPB Credit Card Penalty Fees Rule ($8 late fee safe harbor, 2024)","citation":"89 FR 19128 (March 15, 2024) (Regulation Z, 12 CFR 1026.52(b))","jurisdiction":"us-federal","status":"vacated","summary":"The CFPB's 2024 rule would have set an $8 late fee safe harbor for card issuers that, with their affiliates, have one million or more open credit card accounts. It never took effect: a court stayed it in 2024 and vacated it on April 15, 2025. Do not cite an $8 late fee cap.","source":"https://www.consumerfinance.gov/rules-policy/final-rules/credit-card-penalty-fees-final-rule/","last_verified":"2026-10-12","status_note":"Stayed by the N.D. Texas court in May 2024 (Chamber of Commerce v. CFPB, No. 4:24-cv-00213) and vacated by that court on April 15, 2025 at the CFPB's request after a settlement. The CFPB rule page (last modified June 3, 2024) still says only \"stayed\"; the vacatur date comes from an April 15, 2025 American Bankers Association report, a plaintiff in the case. The current Regulation Z text has no $8 safe harbor.","do_not_cite":"This rule is not in force. Do not cite it as current law."},{"id":"cfpb-overdraft-rule","title":"CFPB Overdraft Lending Rule for Very Large Financial Institutions (2024)","citation":"89 FR 106768 (December 30, 2024); disapproved by Pub. L. 119-10 (S.J. Res. 18)","jurisdiction":"us-federal","status":"repealed","summary":"The CFPB's December 2024 overdraft rule for very large financial institutions (scheduled effective October 1, 2025) was disapproved by Congress under the Congressional Review Act on May 9, 2025 and has no force or effect. Do not cite it. The older Regulation E opt-in rule for ATM and one-time debit card overdraft fees remains in force.","source":"https://www.govinfo.gov/content/pkg/PLAW-119publ10/html/PLAW-119publ10.htm","last_verified":"2026-10-12","status_note":"Not a court vacatur: Congress disapproved the rule under the Congressional Review Act (Pub. L. 119-10, May 9, 2025), so it never took effect and \"shall have no force or effect\". The CFPB rule page (last modified July 2, 2025) still lists it as a final rule with no status note. What remains in force: the Regulation E overdraft opt-in rule (12 CFR 1005.17) and the account agreement.","do_not_cite":"This rule is not in force. Do not cite it as current law."}]},"tips":[],"escalation":[{"index":0,"rung":"frontline","channel":{"id":"customer-service-phone","type":"phone","label":"Regions Green Line Customer Service Center (1-800-REGIONS); lost or stolen cards, identity theft, debit and ATM disputes, unauthorized checks","value":"+1-800-734-4667","purposes":["fraud","unauthorized_charge","transaction_dispute","fee_reversal","frozen_funds","identity_theft","poor_service"],"access":"human_only","source":"https://www.regions.com/help/contact-us-by-phone","last_verified":"2026-10-13"}},{"index":1,"rung":"written_complaint","note":"For credit card billing errors, write to the billing error address on the back of your Regions statement. Regions publishes no general complaint address.","candidate_channels":["customer-service-phone","credit-card-phone","online-debit-dispute","phishing-email"]},{"index":2,"rung":"regulator","regulator":{"id":"cfpb","name":"Consumer Financial Protection Bureau","level":"federal","when_to_use":"Use for a problem with a consumer financial product (bank account, credit card, credit report, debt collection, money transfer, mortgage, loan) after the company did not fix it. Put every fact and document in one complaint, because a second complaint about the same problem is generally not accepted.","channels":[{"id":"complaint-form","type":"web_form","label":"Submit a complaint","value":"https://www.consumerfinance.gov/complaint/","purposes":["credit_report_error","debt_collection","transaction_dispute","fee_reversal","frozen_funds","fraud","billing_error","unauthorized_charge","student_loan_servicing"],"notes":"Online filing takes about 7 to 10 minutes. Your mailing address is required so the company can respond.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-phone","type":"phone","label":"Complaint line","value":"+1-855-411-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","notes":"A phone complaint takes about 25 to 30 minutes.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-tty","type":"phone","label":"Complaint line, TTY/TDD","value":"+1-855-729-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"},{"id":"complaint-mail","type":"mail","label":"Complaints by mail","value":"Consumer Financial Protection Bureau, PO Box 27170, Washington, DC 20038","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The CFPB sends each complaint to the company for a response. If another government agency is better able to help, the CFPB sends the complaint there and tells you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"Companies generally respond in 15 days. In some cases the company says its response is in progress and gives a final response within 60 days.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"You have 60 days after the company responds to give feedback about the response.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB publishes information about the complaint in its public Consumer Complaint Database, without information that directly identifies you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"A complaint should give the key facts in your own words with the important dates, amounts and communications, and may attach supporting documents up to 50 pages. A person filing for someone else must say so, and companies generally need signed written authorization from the consumer.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB says federal student loan programs are within the sole legal purview of the Department of Education, and sends federal loan questions to studentaid.gov.","issues":["student_loan_servicing"],"source":"https://www.consumerfinance.gov/consumer-tools/student-loans/","last_verified":"2026-10-12"}],"notes":"2025-2026 status: the CFPB's funding, staffing and leadership were in litigation (a reduction-in-force order and the acting director's refusal to request Federal Reserve funding; three district courts rejected that refusal, the latest on 2026-09-25). On 2026-10-12 the complaint pages (modified 2026-10-05) still accepted complaints and described the 15-day company response, and the form had added a path for debanking complaints under Executive Order 14331. For federal student loans, use Federal Student Aid (ed-fsa) first."}},{"index":3,"rung":"regulator","regulator":{"id":"federal-reserve","name":"Federal Reserve Consumer Help","level":"federal","when_to_use":"Use for a complaint about a financial institution supervised by the Federal Reserve System. If you do not know the bank's regulator, Federal Reserve Consumer Help refers the complaint or tells you where to file, but filing directly with the bank's own regulator is faster.","channels":[{"id":"complaint-form","type":"web_form","label":"File a complaint","value":"https://www.federalreserveconsumerhelp.gov/file-a-complaint/","purposes":["fee_reversal","transaction_dispute","frozen_funds","billing_error"],"notes":"Give a brief description with dates and names. Do not include account numbers or Social Security numbers, and do not attach documents.","source":"https://www.federalreserveconsumerhelp.gov/file-a-complaint/","last_verified":"2026-10-12"},{"id":"phone","type":"phone","label":"Federal Reserve Consumer Help","value":"+1-888-851-1920","hours":"8 a.m. to 6 p.m. CST","notes":"TTY users can call through 7-1-1 relay service.","source":"https://www.federalreserveconsumerhelp.gov/contact-us/","last_verified":"2026-10-12"},{"id":"mail","type":"mail","label":"Mailing address","value":"Federal Reserve Consumer Help, PO Box 1200, Minneapolis, MN 55480","notes":"Fax 1-877-888-2520 is also listed.","source":"https://www.federalreserveconsumerhelp.gov/contact-us/","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The complaint is reviewed and forwarded to the appropriate regulator when applicable. The regulator contacts you if it needs more information.","source":"https://www.federalreserveconsumerhelp.gov/file-a-complaint/","last_verified":"2026-10-12"},{"kind":"process","claim":"Filing directly with the bank's regulator is the most efficient way. Use FDIC BankFind to find the regulator; brokerage complaints go to FINRA and securities or crypto complaints go to the SEC.","source":"https://www.federalreserveconsumerhelp.gov/","last_verified":"2026-10-12"}],"notes":"An announcement shown from 2026-03-13 to 2026-12-31 asks consumers to file directly with the agency that oversees their institution. The site does not state a response time."}},{"index":4,"rung":"state_agency","agency_kind":"financial_regulator","agencies":"Ask for the person's state, then call find_regulators."}],"known_blockers":["Phone lines verify the account holder.","Regions says issues not resolved by phone may require a branch visit.","Online dispute filing needs an Online Banking sign-in and does not cover ATM or credit card claims."],"security":{"official_domains":["regions.com"],"never_asks":[{"kind":"policy","claim":"Regions says it will never call you to ask for one-time codes, usernames, passwords or PINs.","source":"https://www.regions.com/help/what-is-phishing-and-how-should-i-report-it","last_verified":"2026-10-13"}],"known_scams":[{"kind":"policy","claim":"Phishing emails are made to look like Regions communications and try to get your personal or financial information. Smishing is the same scam by text message, and spoof websites are fake sites made to collect your information.","source":"https://www.regions.com/help/report-fraud","last_verified":"2026-10-13"}],"report_phishing":[{"id":"phishing-email","type":"email","label":"Forward suspicious emails that claim to be from Regions, then delete them","value":"phishing@regions.com","purposes":["fraud"],"source":"https://www.regions.com/help/what-is-phishing-and-how-should-i-report-it","last_verified":"2026-10-13"},{"id":"phishing-responded-phone","type":"phone","label":"If you responded to a suspicious message and think your information is at risk (1-800-REGIONS)","value":"+1-800-734-4667","purposes":["fraud"],"access":"human_only","source":"https://www.regions.com/help/what-is-phishing-and-how-should-i-report-it","last_verified":"2026-10-13"}]},"credibility":{"grade":"A","primary_share":1.0,"sources":{"primary":17},"verified_from":{"page":17},"last_verified":"2026-10-13","oldest_verified":"2026-10-13","stale_items":0,"explanation":"Grade A (high: almost everything comes from official pages read directly). 100% of 17 sources are the organization's own pages or government sites.","dossier_last_verified":null},"context":{"dossier":false,"sector_guide":true,"hint":"Call get_context for how this company handles complaints in practice and which scams use its name."},"notes":"Regions Bank is an Alabama state-chartered bank that is a member of the Federal Reserve System (FDIC BankFind cert 12368, regulator FED), so its federal bank regulator is the Federal Reserve. The Regions contact page lists no hours and no complaint mailing address.","warnings":[]},"account_access":{"company":{"id":"regions","name":"Regions Bank","sector":"bank","website":"https://www.regions.com","account_url":null},"issue":{"id":"account_access","name":"Account access"},"playbook_source":"company","summary":"Call Online Banking Support for sign-in problems.","evidence":["account number","ID","billing address","last payment"],"steps":[{"do":"Call Online Banking Support.","channel":{"id":"online-banking-support-phone","type":"phone","label":"Online Banking Support","value":"+1-800-472-2265","purposes":["account_access"],"access":"human_only","source":"https://www.regions.com/help/contact-us-by-phone","last_verified":"2026-10-13"}},{"do":"If you think someone else got into your account, call 1-800-REGIONS at once.","channel":{"id":"customer-service-phone","type":"phone","label":"Regions Green Line Customer Service Center (1-800-REGIONS); lost or stolen cards, identity theft, debit and ATM disputes, unauthorized checks","value":"+1-800-734-4667","purposes":["fraud","unauthorized_charge","transaction_dispute","fee_reversal","frozen_funds","identity_theft","poor_service"],"access":"human_only","source":"https://www.regions.com/help/contact-us-by-phone","last_verified":"2026-10-13"}}],"channels":[{"id":"online-banking-support-phone","type":"phone","label":"Online Banking Support","value":"+1-800-472-2265","purposes":["account_access"],"access":"human_only","source":"https://www.regions.com/help/contact-us-by-phone","last_verified":"2026-10-13"}],"facts":[],"rules":{"in_force":[],"not_in_force":[]},"tips":[],"escalation":[{"index":0,"rung":"frontline","channel":{"id":"customer-service-phone","type":"phone","label":"Regions Green Line Customer Service Center (1-800-REGIONS); lost or stolen cards, identity theft, debit and ATM disputes, unauthorized checks","value":"+1-800-734-4667","purposes":["fraud","unauthorized_charge","transaction_dispute","fee_reversal","frozen_funds","identity_theft","poor_service"],"access":"human_only","source":"https://www.regions.com/help/contact-us-by-phone","last_verified":"2026-10-13"}},{"index":1,"rung":"written_complaint","note":"For credit card billing errors, write to the billing error address on the back of your Regions statement. Regions publishes no general complaint address.","candidate_channels":["customer-service-phone","credit-card-phone","online-debit-dispute","phishing-email"]},{"index":2,"rung":"regulator","regulator":{"id":"cfpb","name":"Consumer Financial Protection Bureau","level":"federal","when_to_use":"Use for a problem with a consumer financial product (bank account, credit card, credit report, debt collection, money transfer, mortgage, loan) after the company did not fix it. Put every fact and document in one complaint, because a second complaint about the same problem is generally not accepted.","channels":[{"id":"complaint-form","type":"web_form","label":"Submit a complaint","value":"https://www.consumerfinance.gov/complaint/","purposes":["credit_report_error","debt_collection","transaction_dispute","fee_reversal","frozen_funds","fraud","billing_error","unauthorized_charge","student_loan_servicing"],"notes":"Online filing takes about 7 to 10 minutes. Your mailing address is required so the company can respond.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-phone","type":"phone","label":"Complaint line","value":"+1-855-411-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","notes":"A phone complaint takes about 25 to 30 minutes.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-tty","type":"phone","label":"Complaint line, TTY/TDD","value":"+1-855-729-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"},{"id":"complaint-mail","type":"mail","label":"Complaints by mail","value":"Consumer Financial Protection Bureau, PO Box 27170, Washington, DC 20038","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The CFPB sends each complaint to the company for a response. If another government agency is better able to help, the CFPB sends the complaint there and tells you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"Companies generally respond in 15 days. In some cases the company says its response is in progress and gives a final response within 60 days.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"You have 60 days after the company responds to give feedback about the response.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB publishes information about the complaint in its public Consumer Complaint Database, without information that directly identifies you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"A complaint should give the key facts in your own words with the important dates, amounts and communications, and may attach supporting documents up to 50 pages. A person filing for someone else must say so, and companies generally need signed written authorization from the consumer.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB says federal student loan programs are within the sole legal purview of the Department of Education, and sends federal loan questions to studentaid.gov.","issues":["student_loan_servicing"],"source":"https://www.consumerfinance.gov/consumer-tools/student-loans/","last_verified":"2026-10-12"}],"notes":"2025-2026 status: the CFPB's funding, staffing and leadership were in litigation (a reduction-in-force order and the acting director's refusal to request Federal Reserve funding; three district courts rejected that refusal, the latest on 2026-09-25). On 2026-10-12 the complaint pages (modified 2026-10-05) still accepted complaints and described the 15-day company response, and the form had added a path for debanking complaints under Executive Order 14331. For federal student loans, use Federal Student Aid (ed-fsa) first."}},{"index":3,"rung":"regulator","regulator":{"id":"federal-reserve","name":"Federal Reserve Consumer Help","level":"federal","when_to_use":"Use for a complaint about a financial institution supervised by the Federal Reserve System. If you do not know the bank's regulator, Federal Reserve Consumer Help refers the complaint or tells you where to file, but filing directly with the bank's own regulator is faster.","channels":[{"id":"complaint-form","type":"web_form","label":"File a complaint","value":"https://www.federalreserveconsumerhelp.gov/file-a-complaint/","purposes":["fee_reversal","transaction_dispute","frozen_funds","billing_error"],"notes":"Give a brief description with dates and names. Do not include account numbers or Social Security numbers, and do not attach documents.","source":"https://www.federalreserveconsumerhelp.gov/file-a-complaint/","last_verified":"2026-10-12"},{"id":"phone","type":"phone","label":"Federal Reserve Consumer Help","value":"+1-888-851-1920","hours":"8 a.m. to 6 p.m. CST","notes":"TTY users can call through 7-1-1 relay service.","source":"https://www.federalreserveconsumerhelp.gov/contact-us/","last_verified":"2026-10-12"},{"id":"mail","type":"mail","label":"Mailing address","value":"Federal Reserve Consumer Help, PO Box 1200, Minneapolis, MN 55480","notes":"Fax 1-877-888-2520 is also listed.","source":"https://www.federalreserveconsumerhelp.gov/contact-us/","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The complaint is reviewed and forwarded to the appropriate regulator when applicable. The regulator contacts you if it needs more information.","source":"https://www.federalreserveconsumerhelp.gov/file-a-complaint/","last_verified":"2026-10-12"},{"kind":"process","claim":"Filing directly with the bank's regulator is the most efficient way. Use FDIC BankFind to find the regulator; brokerage complaints go to FINRA and securities or crypto complaints go to the SEC.","source":"https://www.federalreserveconsumerhelp.gov/","last_verified":"2026-10-12"}],"notes":"An announcement shown from 2026-03-13 to 2026-12-31 asks consumers to file directly with the agency that oversees their institution. The site does not state a response time."}},{"index":4,"rung":"state_agency","agency_kind":"financial_regulator","agencies":"Ask for the person's state, then call find_regulators."}],"known_blockers":["Phone lines verify the account holder.","Regions says issues not resolved by phone may require a branch visit.","Online dispute filing needs an Online Banking sign-in and does not cover ATM or credit card claims."],"security":{"official_domains":["regions.com"],"never_asks":[{"kind":"policy","claim":"Regions says it will never call you to ask for one-time codes, usernames, passwords or PINs.","source":"https://www.regions.com/help/what-is-phishing-and-how-should-i-report-it","last_verified":"2026-10-13"}],"known_scams":[{"kind":"policy","claim":"Phishing emails are made to look like Regions communications and try to get your personal or financial information. Smishing is the same scam by text message, and spoof websites are fake sites made to collect your information.","source":"https://www.regions.com/help/report-fraud","last_verified":"2026-10-13"}],"report_phishing":[{"id":"phishing-email","type":"email","label":"Forward suspicious emails that claim to be from Regions, then delete them","value":"phishing@regions.com","purposes":["fraud"],"source":"https://www.regions.com/help/what-is-phishing-and-how-should-i-report-it","last_verified":"2026-10-13"},{"id":"phishing-responded-phone","type":"phone","label":"If you responded to a suspicious message and think your information is at risk (1-800-REGIONS)","value":"+1-800-734-4667","purposes":["fraud"],"access":"human_only","source":"https://www.regions.com/help/what-is-phishing-and-how-should-i-report-it","last_verified":"2026-10-13"}]},"credibility":{"grade":"A","primary_share":1.0,"sources":{"primary":17},"verified_from":{"page":17},"last_verified":"2026-10-13","oldest_verified":"2026-10-13","stale_items":0,"explanation":"Grade A (high: almost everything comes from official pages read directly). 100% of 17 sources are the organization's own pages or government sites.","dossier_last_verified":null},"context":{"dossier":false,"sector_guide":true,"hint":"Call get_context for how this company handles complaints in practice and which scams use its name."},"notes":"Regions Bank is an Alabama state-chartered bank that is a member of the Federal Reserve System (FDIC BankFind cert 12368, regulator FED), so its federal bank regulator is the Federal Reserve. The Regions contact page lists no hours and no complaint mailing address.","warnings":[]}},"escalation":[{"index":0,"rung":"frontline","channel":{"id":"customer-service-phone","type":"phone","label":"Regions Green Line Customer Service Center (1-800-REGIONS); lost or stolen cards, identity theft, debit and ATM disputes, unauthorized checks","value":"+1-800-734-4667","purposes":["fraud","unauthorized_charge","transaction_dispute","fee_reversal","frozen_funds","identity_theft","poor_service"],"access":"human_only","source":"https://www.regions.com/help/contact-us-by-phone","last_verified":"2026-10-13"}},{"index":1,"rung":"written_complaint","note":"For credit card billing errors, write to the billing error address on the back of your Regions statement. Regions publishes no general complaint address.","candidate_channels":["customer-service-phone","credit-card-phone","online-debit-dispute","phishing-email"]},{"index":2,"rung":"regulator","regulator":{"id":"cfpb","name":"Consumer Financial Protection Bureau","level":"federal","when_to_use":"Use for a problem with a consumer financial product (bank account, credit card, credit report, debt collection, money transfer, mortgage, loan) after the company did not fix it. Put every fact and document in one complaint, because a second complaint about the same problem is generally not accepted.","channels":[{"id":"complaint-form","type":"web_form","label":"Submit a complaint","value":"https://www.consumerfinance.gov/complaint/","purposes":["credit_report_error","debt_collection","transaction_dispute","fee_reversal","frozen_funds","fraud","billing_error","unauthorized_charge","student_loan_servicing"],"notes":"Online filing takes about 7 to 10 minutes. Your mailing address is required so the company can respond.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-phone","type":"phone","label":"Complaint line","value":"+1-855-411-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","notes":"A phone complaint takes about 25 to 30 minutes.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"id":"complaint-tty","type":"phone","label":"Complaint line, TTY/TDD","value":"+1-855-729-2372","hours":"9 a.m. to 6 p.m. ET, Monday through Friday, except federal holidays","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"},{"id":"complaint-mail","type":"mail","label":"Complaints by mail","value":"Consumer Financial Protection Bureau, PO Box 27170, Washington, DC 20038","source":"https://www.consumerfinance.gov/about-us/contact-us/","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The CFPB sends each complaint to the company for a response. If another government agency is better able to help, the CFPB sends the complaint there and tells you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"Companies generally respond in 15 days. In some cases the company says its response is in progress and gives a final response within 60 days.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"deadline","claim":"You have 60 days after the company responds to give feedback about the response.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB publishes information about the complaint in its public Consumer Complaint Database, without information that directly identifies you.","source":"https://www.consumerfinance.gov/complaint/process/","last_verified":"2026-10-12"},{"kind":"process","claim":"A complaint should give the key facts in your own words with the important dates, amounts and communications, and may attach supporting documents up to 50 pages. A person filing for someone else must say so, and companies generally need signed written authorization from the consumer.","source":"https://www.consumerfinance.gov/complaint/","last_verified":"2026-10-12"},{"kind":"process","claim":"The CFPB says federal student loan programs are within the sole legal purview of the Department of Education, and sends federal loan questions to studentaid.gov.","issues":["student_loan_servicing"],"source":"https://www.consumerfinance.gov/consumer-tools/student-loans/","last_verified":"2026-10-12"}],"notes":"2025-2026 status: the CFPB's funding, staffing and leadership were in litigation (a reduction-in-force order and the acting director's refusal to request Federal Reserve funding; three district courts rejected that refusal, the latest on 2026-09-25). On 2026-10-12 the complaint pages (modified 2026-10-05) still accepted complaints and described the 15-day company response, and the form had added a path for debanking complaints under Executive Order 14331. For federal student loans, use Federal Student Aid (ed-fsa) first."}},{"index":3,"rung":"regulator","regulator":{"id":"federal-reserve","name":"Federal Reserve Consumer Help","level":"federal","when_to_use":"Use for a complaint about a financial institution supervised by the Federal Reserve System. If you do not know the bank's regulator, Federal Reserve Consumer Help refers the complaint or tells you where to file, but filing directly with the bank's own regulator is faster.","channels":[{"id":"complaint-form","type":"web_form","label":"File a complaint","value":"https://www.federalreserveconsumerhelp.gov/file-a-complaint/","purposes":["fee_reversal","transaction_dispute","frozen_funds","billing_error"],"notes":"Give a brief description with dates and names. Do not include account numbers or Social Security numbers, and do not attach documents.","source":"https://www.federalreserveconsumerhelp.gov/file-a-complaint/","last_verified":"2026-10-12"},{"id":"phone","type":"phone","label":"Federal Reserve Consumer Help","value":"+1-888-851-1920","hours":"8 a.m. to 6 p.m. CST","notes":"TTY users can call through 7-1-1 relay service.","source":"https://www.federalreserveconsumerhelp.gov/contact-us/","last_verified":"2026-10-12"},{"id":"mail","type":"mail","label":"Mailing address","value":"Federal Reserve Consumer Help, PO Box 1200, Minneapolis, MN 55480","notes":"Fax 1-877-888-2520 is also listed.","source":"https://www.federalreserveconsumerhelp.gov/contact-us/","last_verified":"2026-10-12"}],"facts":[{"kind":"process","claim":"The complaint is reviewed and forwarded to the appropriate regulator when applicable. The regulator contacts you if it needs more information.","source":"https://www.federalreserveconsumerhelp.gov/file-a-complaint/","last_verified":"2026-10-12"},{"kind":"process","claim":"Filing directly with the bank's regulator is the most efficient way. Use FDIC BankFind to find the regulator; brokerage complaints go to FINRA and securities or crypto complaints go to the SEC.","source":"https://www.federalreserveconsumerhelp.gov/","last_verified":"2026-10-12"}],"notes":"An announcement shown from 2026-03-13 to 2026-12-31 asks consumers to file directly with the agency that oversees their institution. The site does not state a response time."}},{"index":4,"rung":"state_agency","agency_kind":"financial_regulator","agencies":"Ask for the person's state, then call find_regulators."}],"security":{"official_domains":["regions.com"],"never_asks":[{"kind":"policy","claim":"Regions says it will never call you to ask for one-time codes, usernames, passwords or PINs.","source":"https://www.regions.com/help/what-is-phishing-and-how-should-i-report-it","last_verified":"2026-10-13"}],"known_scams":[{"kind":"policy","claim":"Phishing emails are made to look like Regions communications and try to get your personal or financial information. Smishing is the same scam by text message, and spoof websites are fake sites made to collect your information.","source":"https://www.regions.com/help/report-fraud","last_verified":"2026-10-13"}],"report_phishing":[{"id":"phishing-email","type":"email","label":"Forward suspicious emails that claim to be from Regions, then delete them","value":"phishing@regions.com","purposes":["fraud"],"source":"https://www.regions.com/help/what-is-phishing-and-how-should-i-report-it","last_verified":"2026-10-13"},{"id":"phishing-responded-phone","type":"phone","label":"If you responded to a suspicious message and think your information is at risk (1-800-REGIONS)","value":"+1-800-734-4667","purposes":["fraud"],"access":"human_only","source":"https://www.regions.com/help/what-is-phishing-and-how-should-i-report-it","last_verified":"2026-10-13"}]},"credibility":{"grade":"A","primary_share":1.0,"sources":{"primary":17},"verified_from":{"page":17},"last_verified":"2026-10-13","oldest_verified":"2026-10-13","stale_items":0,"explanation":"Grade A (high: almost everything comes from official pages read directly). 100% of 17 sources are the organization's own pages or government sites.","dossier_last_verified":null},"dossier":null,"guide":{"key":"bank","title":"Banks and card issuers — how complaints work","last_verified":"2026-10-12","file":"guides/bank.md","page":"https://escalate.alexgaoth.com/#/guides/bank"}}