REGIONS FINANCIAL CORPORATION

2015-06-09

Santa Ana, CA

Other fee

Credit card:

Complaint: The company has charged us a " Customer Report Fee '' of {$50.00} which we did not request or authorize. This fee is a scam and we refused to pay it. As a result of our refusal to pay this improper fee we were levied another fee of {$75.00} which was labeled as a " Late Fee on Previous Invoice. '' A total of {$250.00} in improper Customer Report Fees and Late Fees on Previous Invoices have been charged.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: Yes Timely Response

2015-06-08

Chattanooga, TN

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-06-08

Memphis, TN

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-06-08

Naples, FL

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-06-08

South Florida, FL

Account opening, closing, or management

Bank account or service: Checking account

Complaint: An employee stole my daughter identity and went to regions bank of XXXX and opened up a business account added my daughter and her self on the account my dauther had no knowledge of this bank address in where account was opened is XXXX XXXX XXXX XXXX XXXX fl XXXX contact person foe the bank that know what happen is XXXX XXXX
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-06-06

Katy, TX

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-06-06

Logtown, LA

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: Regions bank did a hard inquiry and assesed my credit information on XXXX/XXXX/2014. I have n't applied for credit at this bank nor do I owe them. They were not given permission to look into my records. I contacted them and they said that they were not aware of any inquiry and could n't give me a reason why they looked at my credit.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-06-05

Little Rock, AR

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-06-05

Shalimar, FL

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: On XXXX XXXX our account had {$180.00} without anything being in the negative the bank took out {$140.00} for Overdraft fees and still never showed a negative. We had XXXX pending items XXXX XXXX which was going to be credit back in a couple days for {$180.00}. Our account never showed negative, and they never had to cover this item. The bank is telling me they wont refund our money. We feel as if they stole our money. I dont understand how with something pending how they can automatically charge you a OD payment with the item was not yet paid by them. This was a error and it was corrected as well as why are we being charge OD fees when they didnt have to cover anything?
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-06-05

Lexington, NC

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-06-03

New Orleans, LA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-06-03

Naples, FL

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-06-03

Citronelle, AL

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-06-03

Mboro, TN

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-06-03

Navasota, TX

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I have been getting wrongfully charged overdraft fees since since XXXX by Regions bank.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-06-02

Knoxville, TN

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: Regions bank of XXXX Ala allowed my daughter in law to remove $XXXX from my account via electronic banking. I never opened an online account and to this day i still have no idea how internet banking is done i am a XXXX year old woman with very limited computer skills one day in XX/XX/XXXX as my son was home from XXXX i asked him what eb stands for in my bank statements he told me that usually stands for electronic banking that was the XXXX time i had ever heard of internet banking .. immediately after that my son drove me to the bank and i signed a document to never allow online banking again for any of my accounts I signed this on XX/XX/XXXX somehow my daughter in law who was XXXX aformer employee of regions bank managed to open the internet account once again and also changed all of my statements to paperless billing so that i had no idea that she had siphoned theXXXXXXXX dollars out my account until until XX/XX/XXXX.i immediately upon findng out that this had been going on filed a complaint against regions bank they admit having the documnet isigned never permitting internet banking and the did indeed refund XXXX dollars of the XXXX but only becuase those charges actually had XXXX name on them becuase she was paying her utilitie bills on her own house with my accounts . XXXX never had permission or any sort of power of attorney to access any of my accounts but regions bank also allowed her to cash in XXXX of my certificate of deposits each for XXXX and she put these into checking which she withdrew either per internet banking or per mobile banking . in any case i did not agree that regions should be satisfied only refundig me XXXX when they allowed a total of XXXX to be taken without my permission thru electronic bankng so i hired a lawyer ...the legal dept is one of the rudest most hateful groups of people i have ever experienced they told me to never call there again or to never send an e mail and that theuy had such a large team of lawyers and financial backing that they could keep the case just in papaerwork longer than i would live ...my lawyer whom i had hired also gave up after almost a year of fighting with them because he said he refused to deal with such evil hateful peol,e . in any case i have never stopped calling and wriitng regions bank demanding my money back ..they even refused to give me the XXXX used to access my accounts recently my son who returned from XXXX to help care for me did indeed convince the regions bank by calling the corporate offices that they must give me the ip adresses which we finally have .. all XXXX of the ip adresses lead back to my daughter in law XXXX her work compuetr XXXX her home computer and XXXX her mobile phone . my son also re instated the claim for reimburstment but today we recieved a phone call from regions bank stating that this time after reviewing my case they refuse reimbursment because there are credit card payments for a credit card in my name .. back in XX/XX/XXXX and also every time i have called or written regions i also give them the important information about the fact that XXXX also had stolen my XXXX credit card would max it out and pay the monthly charges thru my accounts using internet banking .. XXXX again she used papaerless billing for the XXXX card so i never saw the bills . i signed a document saying no more electronic banking XXXX weeks later egions allowed over XXXX dollars to be taken from me i demand my money be reimbursed
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-06-02

Bellaire, TX

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: This is letter that I wrote to the XXXX Regions Mortgage ... I THINK YOUR LITTLE SURVEY IS BOGUS, BECAUSE IT ASK ONLY QUESTIONS THAT MAY YIELD FAVORABLE RESPONSES. Right off the bat I did not find a response that would adequately answer to my experience with my modification or the service I got from my lender. It was HORRIBLE is the best way I can put it until the last minute when I was about to go into foreclosure they felt obligated to give me options after numerous repeated request for such avenues. Even then, I was pigeon hold into one and was told I did not qualify for anything else. If they had been forth coming earlier in my demise even with this option, my situation would not have become so desperate. Instead they string me along, sending people to my house each time charging me a fee for the visit, claiming they are seeing if anyone lives at the house, despite the fact I was calling them at least XXXX per week, all this on top of the late charges and fees they added. I depleted my savings as a result trying not to be homeless and on top of that, all because I was assigned a person I could never get on the phone ; but was told any associate could help me and when I spoke to any associate, I was told decisions had to be made by my delegated representative. For months this continued until it became a foreclosure situation. I will raise my children to find ways to never use banks or get mortgages ; I see your survey as an extension of that fraud of the modification process. I was told that my mortgage would be reduced. After signing the modification which I had no bargaining input towards I was rushed to sign the deal. Before I could get the new modification amount they stipulated, it went back up to the amount I could not pay and their reasoning for this was escrow shortage, which essentially put me back into the predicament I was in, in the first place. If that is n't fraudulent I do not know what is ; this modification, like your survey was just an exercise to scam the US Government into thinking that your are complying with their demands at the expense of poor, vulnerable and powerless people. Shame on you, but we reap what we sow do n't we. How long do you think people will put up with your financial tyranny, enjoy it while it last because what you are essential doing is cultivating a culture of distrust, disgust and anger for such institutions as well as training us how to exist and find ways around doing business with you. The Banks and XXXX have very poor customer service, your product does not help anyone but yourselves and is the equivalent of a " XXXX card game '' where the pawn never wins. Your business model seem to be " ride it until the wheels fall off '' and is void of any sustainability measures. Please let his be the last BOGUS survey you annoy me with, I have been bamboozled long enough by you, at this point it is just plain torture. -They followed up with free financial counseling with a warning that information gathered would be used to collect any/all debt.
Company Response: Company chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2015-06-01

Eton, GA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-06-01

Coral Springs, FL

Other

Mortgage: Other mortgage

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-06-01

San Antonio, TX

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: About XXXX years ago i bought my house. The second mortgage was through XXXX since bought out by Regions Bank. I have paid that note for XXXX years but for the last several years noticed that my balance had only been reduced by about {$800.00} It is an equity line of credit. Regions told me that they performed a random credit check on me about four years ago and that it came back unfavorable. I was not informed of this. Because of this they locked my account and would not let me take money out or use my debit card associated with this account. They continued to charge me {$50.00} a year service fee, and i could do nothing about it. This happened about four years ago. Keep in mind that my account was locked because of a random credit check not because of constant late payments to them. I could eliminate the {$50.00} fee by using my debit card XXXX a year but they locked my account without my knowledge. About XXXX years ago i called Regions and tried for a loan modification or to get this interest only loan to be changed to a permanent loan. I sent in my paperwork, proof of income, all docs. A few weeks later they told me that it is actually better to stay on current loan payment because changing over to a fixed interest rate would raise my payments by almost double. Regions Bank told me it would be cheaper to keep my current loan. So in my trying to get fixed payments to lower my balance Regions told me that its less expensive to keep what im paying now than to convert over to a permanent loan. Well i have paid about {$15000.00} towards this loan over the last XXXX years and my balance has only reduced only about {$800.00}. So Regions keeps charging me a service fee, locked my account due to a random credit check and did not convert my loan over to a fixed rate to finally pay down some principal. About XXXX months ago i called Regions to get some help, they transferred me to XXXX different departments and the person i spoke to actually said to me that that is how interest loans work. So they did not try to help me. I sent them XXXX letters explaining this very thing but Regions did nothing. They did send me paperwork to try to modify my loan again but this does no good. I do NOT qualify, why? I have a current foreclosure on my credit and I am behind on all my mortgages. So with a FC, constant late mortgage payments, credit cards suing me I do not qualify for anything. I recently received a letter from XXXX, XXXX XXXX XXXX XXXX. stating my account was going to FC unless i pay the entire {$59000.00}. This to me is PREDATORY LENDING. They did not change my loan over to a fixed rate and told me to stay on current loan, they keep charging me a service charge and will not allow me to access my own money. In the last XXXX letters i sent Regions i asked if they would keep my payment as is and let me pay for XXXX years ( XXXX years in total ), but converting loan over to a fixed rate, so that principal can be reduced. They did not respond they only sent my account to FC attorneys. Please help. Am i going to have my house taken away because of this? I recently was able to modify the XXXX mortgage on that property and that bank lowered my payment a little over {$200.00}. Please let me know what can be done. I have now received the foreclosure letter. Now Regions is telling me to get out of the house. CAN YOU NOT HELP ME?????
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-05-30

Cordova, TN

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Regions Mortgage is reporting my mortgage incorrectly to the credit bureau.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-05-29

Fort Russell, IL

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-05-29

Orange Park, FL

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-05-29

Smyrna, GA

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-05-29

Waco, TX

Billing disputes

Credit card:

Complaint: XXXX XXXX added a {$75.00} charge to my gas bill because my payment I mail in was XXXX cents short due to a typo. I called and spoke with the Rep. I think XXXX and ask to dispute the Charge of {$75.00} as being excessive for being short XXXX cents and I wanted to cancel my cards until we cleared up the matter. He email me a form which I completed and was told I would be contacted by another representative. No one has contacted me and every 2 weeks XXXX adds another {$75.00} plus interest to my bill. I have no way of getting them to stop adding more charges. I have contacted the Governor of XXXX and the Texas Attn General office for help.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response