REGIONS FINANCIAL CORPORATION

2019-07-08

Walnut Shade, MO

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-08

Plymouth, FL

Struggling to pay mortgage

Mortgage: Other type of mortgage

Complaint: When I signed the loan document with Regions Bank in XXXX Florida, my mortgage was suppose to be a conventional mortgage. After I moved in there were tow mortgages both variable and the agent that signed my contract had suddenly disappeared. I called several times and was told that I couldn't go anything about it. I had to refinance and now they have raised my mortgage twice this year alone. I need to have a solution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-08

Nashville, TN

Trouble during payment process

Mortgage: Home equity loan or line of credit (HELOC)

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-07

Key Biscayne, FL

Trouble during payment process

Mortgage: FHA mortgage

Complaint: My home was damaged during hurricane Irma XXXX XXXX, XXXX. It fought with my insurance company and received a settlement of {$34000.00}. A check was sent payable to myself and XXXX Mortgage. The mortgage company placed the funds in a special account for the repairs in XXXX. The company sent a {$10000.00} disbursement in XXXX, which i subsequently paid my independent claims adjuster {$4000.00}. The XXXX was used to pay the electrical contractor and XXXX was used to restore fencing. I have been waiting for additional funds to continue the restoration of my property. I have already have paid to have my stucco restored for the damage to the outside of my home and have prepared it to be painted. I contacted Regions on XX/XX/XXXX to have them send more funds they told me someone would contact me within 3-5 business days to inspect my property. NO ONE CONTACTED ME. I called again on XX/XX/XXXX and again I was told the same thing. I finally received a call from someone who claimed they were sent referred to me by Regions ( I could bare understand the persons English ) and tried to set a date but they told me they could not see me, so they said I need to find someone else help me. iI HAVE HAD PROBLEMS WITH PAYMENT OF FUNDS FROM REGIONS IN A PREVIOUS CLAIM IN XXXX AND HAD TO REPORT THEM THEN AS WELL. I Still have l work that needs to be completed and I have waited almost 2 years to have my repairs completed and still I have to keep fighting these people. They have {$24000.00} of the insurance money I would like to have them pay me so I can finish the work and have my property restored My loan number is XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-05

Ft Lauderdale, FL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: XX/XX/2019 I closed my line of credit account with Regions bank. I have been I. Touch to settle the account also. I did a dispute with credit bureaus because I the consumer closed this account they will not report to the credit bureaus I closed this account. I have Wrote and called still this account is not reporting as closed by the consumer. I want the account closed as I ask them and report it correctly to the 3 bureaus. I also wrote to settle the account they are asking me for my tax returns and I have provided them my income from my employer I work part time now and wanted to settle this account. They said I need to provide my taxes return I file jointly with my husband I dont deel his information needs to be in there possession. Please help me get this account closed dating back to XX/XX/XXXXwhen I requested to close it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-04

GA

Closing on a mortgage

Mortgage: Conventional home mortgage

Complaint: Please cross-reference with complaint XXXX-XXXX. They wrongly closed out my complaint. I bought up the rate on my mortgage, meaning that while Region 's paid most of my closing costs, I have to pay a mortgage rate of 4.3875 rather than a par rate of somewhere around 3.875, meaning that I will pay thousands of dollars more over the course of my loan. Region 's significantly changed the fees disclosed to me in the Loan Estimate presented to me. Region 's sent my complaint to their Compliance department but their Compliance department only reviewed it with technical regulations in mind and that because Region 's paid the closing costs, they stated that they were fine in changing / increasing the fees I was disclosed. In their eyes, I therefore lost all my consumer protections because I bought up the rate. If / when Region 's sells this loan off, they will make thousands of dollars off of the increased rate for someone with an XXXX credit score. I feel this is extremely unfair, deceptive and abusive. I passed this up to the very highest levels of management, speaking to XXXX XXXX, Regional Mortgage Manager. He touted his resume, told me that this store had a 100 % customer satisfaction rate, asked what I wanted ( to which I responded I just wanted to pay what I was originally disclosed ), told me he would research my issue further and get back to me ; it was two weeks and multiple calls from me to the call center before I spoke to XXXX XXXX again - at which time he had four additional people on the phone and told me he was bringing closure to this issue and that Regions would not do anything further. I feel that due to the flippant nature in which my complaint was handled, the lack of proper governance and controls, the lack of an effective compliance management system and the willful negligence and unethical behavior exhibited by Region 's, the CFPB should conduct a further investigation as to the manner in which other customers who bought up their rate were treated and to see if the amounts they were originally disclosed also increased as mine did. This could bring about a rather large enforcement action against Region 's. Additionally, the co-borrower on this loan is an XXXX XXXX Servicemember / XXXX and is about to leave for a deployment overseas.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-04

MS

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report

Report provided to employer without your written authorization
Complaint: On XXXX I purchase a new car from XXXX XXXX XXXX they call my job on XXXX to verify employment. My job XXXX Mississippi XXXX XXXX XXXX pulled their own credit report without my permission and also had Regions Bank locates in XXXX, Mississippi to pull my credit report all done on XXXX without my authorization or signature.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-03

Mem, TN

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-03

Lake Placid, FL

Managing an account

Checking or savings account: Savings account

Banking errors
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-03

Harvest, AL

Managing an account

Checking or savings account: Other banking product or service

Problem making or receiving payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-03

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Problem with customer service
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-07-02

Tampa, FL

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: Went to an ATM on Sunday ( XX/XX/XXXX ) morning and it swallowed my 'NOW ' prepaid card and my {$200.00} deposit around XXXX. I filmed the ATM malfunctioning for proof just in case they tried to argue with me. Made a claim dispute during the incident and they said it would be handled in three days and it has been over two weeks and nothing has been done. They refuse to give me back my money even though I have proof that the ATM malfunctioned. When I called a supervisor on regions green line ( XX/XX/XXXX ), she calls the branch manager ( where atm issue happened ) and the manager calls me and starts raising her voice at me ( have audio ), that she's doing her job and she's done basically done with me. I went to another regions location and filed a complaint with that manager. I will be filing a police report and others need to know how terrible regions bank customer service is and that they are thieves out to make a quick buck
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-07-02

Newnan, GA

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: I've filed multiple complaints with Regions Bank for fraudulent charges to my checking account via debit card, yet they close out all my claims. I'm a victim of identity theft and have told them this. They close out my claims and say they need more documentation, instead of keeping claims open and obtaining the docs they need to investigate. I assume they do this so they don't hit the 10 day statute. Also, the software their investigations department uses is biased to go against customer 's interests. Regions is trying to reduce claims that get sent over to VISA. Because of this MANY valid and LEGITIMATE disputes for fraud or did not receive goods/services are being denied and the consumer has to suffer. This also raises concern over Regions not recognizes true and actual fraud and taking steps accordingly to protect the consumer, since their software denies customer 's claims. In my personal experience, I am now facing a great economic hardship because they refuse to push my disputes over to Visa. I have a police report, FTC report, and affidavit- yet Region 's software keeps denying my claims. I'm not able to speak with the investigative department, nor are the customer service reps. My claims are 10 days past due. I am not counting them closing my claims just because they don't want to wait for docs. They rely heavily on their banking policies, but Federal mandated regulations for Federal Banks always trump internal banking policies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-02

Alma, MS

Opening an account

Checking or savings account: Other banking product or service

Didn't receive terms that were advertised
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-07-02

Taft, OH

Closing an account

Checking or savings account: Other banking product or service

Can't close your account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-01

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-06-29

Grangeville, LA

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: Reported theft of funds by debt card. Bank refused to refund fraudulent charges. under Electronic Fund Transfer Act the bank must do so. The stole about {$3000.00} the bank under the law must refund anything over {$500.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-06-29

Maxwell Afb, AL

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-06-27

Ruskin, FL

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-06-27

Adairsville, GA

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-06-26

Black Jack, MO

Managing an account

Checking or savings account: Checking account

Fee problem
Complaint: I'mpresentlywithRegionBankXXXXXXXXXXXXXXXXXXXXMoXXXX.MyaccountisXXXXrouting#XXXXsocialXXXXI'vebeengettingchargedraftchargesat{$36.00}.peritemplus{$25.00}toreturn.Thisoccurtwotimeperweeksthenitsreoccurthefollowingweeks,checkshasbeengettingranthroughmyaccounts3to5times.Thatcreateanhardshipforme.Pendingdepositbeinmyaccountsaidwillchargefeesreturningcheckswhilefundwillavailable.AnagentofsaidquotaRegionmakemoneyoffoffeesThisisanreprehensiblepractice
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-06-26

MS

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: My wife and I went to XXXX, MS Friday XX/XX/XXXX through Sunday XX/XX/XXXX. Saturday I woke up and checked my bank statement. It showed 4 charges that I had no idea about totalling XXXX . We immediately cancelled the card and reported it as fraud. One charge for XXXX $ was from a XXXX XXXX. Second charge was from XXXX and it was XXXX . Third charge was also from XXXX totalling XXXX . Then the fourth charge was a XXXX $ XXXX charge which neither my wife or I have ever used. It has now been 3 weeks since we filed the claim. The claim was rejected then we appealed it. They aren't budging on clear fraud charges and I am at my wits end.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-06-25

Atl, GA

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-06-25

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Unable to receive car title or other problem after the loan is paid off
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-06-24

Thompsons Station, TN

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: I alerted Regions I was going to be traveling and one of the cities I was in Was XXXX ( XXXX ) XXXX and several thousand dollars worth of fraud in the form of overcharging was done on my debit card approximately $ 5,000- {$6000.00} worth of fraud. Regions admitted they did not have my signature on file nor did my debit card require a pin and I told them they were negligent in managing my funds because had a pincode been required, or a signature, some type of fraud alert or call I could have caught these transactions sooner. I was ripped off and overcharged, I have recorded conversations from regions admitting they messed up by not requiring a pin on my debit card because these transactions were processed as debit transactions and not credit had they been processed as credit they still admitted they do not have my signature on file. I told them to get videos, itemized receipt etc to see where the items purchased on my card were sent etc. They processed over {$5000.00} in transactions in one day and I have never spent that time of money in a month! I'm very upset that this did not send off alarm bells to their fraud department and I'm more upset with their lack of serious investigation! Everyone in banking knows former XXXX XXXX are known for bank fraud and the fact I have never spent $ XXXX- {$6000.00} in a month let a loan a day in XXXX should have been flagged immediately especially when no signature or pincode was required!! I want my money back and Regions needs to be fined for having a XXXX fraud department and being negligent in managing peoples funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response