Complaint #1752557 submitted on 01/21/2016 relating to Regions Financial Corporation. Complaint relates to Bank account or service Checking account - Account opening, closing, or management .
Complaint was submitted via Web and sent to the company on Thursday 21st January 2016.
While signing up for a checking account at Regions Bank, the banker asked me if I would like to opt-in or out of overdraft protection. The camera on my motorcycle helmet was left on, though not intentionally, and recorded me verbally telling the banker to opt-out of overdraft protection. So I go home and notice I have a hard inquiry on my credit report and states from Regions Bank. I also noticed through my online banking profile that I was enrolled in overdraft protection. It was confirmed that Regions Bank would only do a soft pull and it would not show up on my credit report, but since I was enrolled by the banker into overdraft protection without my legal consent it resulted in a hard inquiry instead of a soft. So now my FICO score has dropped by XXXX points and will take it months for it to recover. Time in which will set me back drastically as the inquiry will stay on my credit report for 2 years.
| Company | Regions Financial Corporation |
| Complaint ID | 1752557 |
| Date Received | 01/21/2016 |
| Product | Bank account or service Checking account |
| Issue | Account opening, closing, or management |
| State/ZIP Code | TX 770XX |
| Consumer Consent | Consent provided |
| Company Public Response | Company chooses not to provide a public response |
| Company Response To Customer | Closed with non-monetary relief |
| Submitted | Web 01/21/2016 |
| Result | Timely Response: Yes, Consumer Disputed: No |
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