REGIONS FINANCIAL CORPORATION

2019-04-16

Andice, TX

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

2019-04-16

South Florida, FL

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: I am a joint account owner on my XXXX father 's checking account at Regions Bank. My father is in an XXXX XXXX facility, so he does not have credit cards or a wallet and at some point in the past year a new checkcard arrived for our joint account. The card was in his name. I put the card away in a wallet with my own credit cards and never used it. On XX/XX/2019, my wallet was lost/stolen. Someone gained possession of my wallet and began attempting to make purchases of about {$2000.00} at a local XXXX pharmacy. They tried using two of my credit cards, but my credit card companies flagged the activity as suspicious and declined the charges. The person who had my wallet did manage to successfully use my father 's checkcard to make two purchases at XXXX. The purchases, which were made on XX/XX/XXXX and posted on XX/XX/XXXX were one for {$1000.00} and one for {$830.00}. I alerted Regions Bank to both purchases immediately, the afternoon of XX/XX/XXXX, as soon as I discovered it. I asked them to close my father 's checkcard, which they did. They asked me to wait until the transactions posted to formally dispute them. On XX/XX/XXXX, the transactions showed up as posted on our account so we called to formally dispute the charges. We explained that I had possession of the card, but that my wallet was stolen and that my father had not authorized anyone to make purchases with his card. Furthermore, the Regions representative confirmed that the last time the card was ever used for a withdrawal was almost a year ago. This card also is never used to make purchases and very rarely is used to make withdrawals, so although we do not know what triggers a fraud alert, it would seem that these large purchases should have been identified as suspicious activity by Regions. On XX/XX/XXXX, we received a letter denying our dispute. The reason given was that the transactions passed " fraud analysis. '' Again, this is confusing, since a pin was clearly not used in making this purchase and certainly my father did not sign for whatever was purchased. We have appealed the decision and provided additional information, including a police case number and a report of identity theft we made with the FTC. Our recent communications with Regions, however, indicate that they are not inclined to reverse their decision, despite the fact that we have now told them we made these reports to the police and the FTC and we also provided them with evidence that I reported the fraudulent activity with my own cards ( although the transactions never went through ) and I have been issued new credit cards as a result. I am attaching a fax and documents that we sent to Regions in an attempt to appeal their decision.
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

2019-04-15

Pulaski, TN

Trouble during payment process

Mortgage: Other type of mortgage

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

2019-04-15

Money was not available when promised

Money transfer, virtual currency, or money service: Domestic (US) money transfer

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

Timely Response

2019-04-15

Atlanta, GA

Problem with a purchase or transfer

Credit card or prepaid card: General-purpose prepaid card

Card company isn't resolving a dispute about a purchase or transfer
Complaint: XX/XX/19 Regions Bank Corporate Headquarter To whom it my concerns, My name is XXXX XXXX, I had 3 account with your bank, ( 1 ) Checking XXXX, ( 2 ) Now Card XXXX ), and ( 3 ) Saving XXXX. On XX/XX/19 at XXXX XXXX, I try to Load {$500.00} on to my Now Card ending in ( XXXX ), while at the XXXX XXXX branch in XXXX XXXX, doing so the ATM shut down without giving me a receipt for the {$500.00} and keeping the Now Card ( XXXX ). At that point I call the XXXX spoke to a XXXX and he suggest I go the near branch, to retrieve my {$500.00}. Which I did, plus calling the bank while in route and spoke to a XXXX at the XXXX XXXX XXXX, she told me once I get there she ( XXXX ) would be able to file a claim. In walking in the bank I met with XXXX and she took my statement and gave copies of everything. XXXX told not to worry because even with a receipt for the {$500.00} the camera and my Now Card would show proof of my deposit. I told her I had XXXX and so change on my Now Card ( XXXX ), since I close this account I need wait until Tuesday for the money for the old card to post to the new Now Card ( XXXX ), here it is XX/XX/19 and my money still have not posted. And, when I tell you I very UPSET about my money. Again on XX/XX/19 I call the XXXX I spoke to several people from that office before being transfer to XXXX who assure me that the bank was working on getting me my money, and to check my account on Thursday, well here it is Thursday and still no money. At XXXX, I call back to the XXXX number and XXXX who advise me to go to the branch where I made the deposit. The point is I had to make all the calls about my money, I feel someone from the branch or the claim department should have call me and at least apologize and let me know what is going on with my money. I am one step away for notifying the Federal Trade Commission about my problem with your bank and my money. There should have at least been given a courteous call if nothing else. However, as of XX/XX/19, the is refusing to give me my money bank, stay they need to count the money for XX/XX/19. It has been 2 weeks and all I got is a letter telling my claim has been deny. That is not right. Should I file a police report? Please help me tell me what I need to do. Thanks for all your support.
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

2019-04-15

South Florida, FL

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: I called regions banking filled s complaint on my account of fraud. To my debit account and the closed the account and sent me a new visa depot card. I had to close my XXXX Visa card as well because I was sent an email where they asked for my information and it was fraud which I gave out. There were two charges by wow airlines on my regions account on XX/XX/XXXX for XXXX and one for XXXX. I filled s complain of fraud with regions and they said they denied the claim. I went on to the web sight of wow and I see they went out of business so is that fair I lose my money cause those charges were made? I dont think that is fair that. Someone can get into my account and I lose my money.
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

2019-04-13

Atl, GA

Other features, terms, or problems

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

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

Timely Response

2019-04-13

El Paso, AR

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: On XX/XX/XXXX, I received a letter from the Senior Vice President of Regions Bank FDIC, stating that on XX/XX/XXXX Regions Bank recently discovered that I XXXX XXXX XXXX was charged one or more Paid Overdraft item or Return item fee due to an Operational Error in processing certain merchant Check Card transactions made. He further stated it is possible that Assessing the Original fee may have reduced the Available Balance in my account due to one or more overdraft item or returned item fee, See Exhibit-A. This was Multiple Illegal Overdraft Fees carried out against me, with written Documentation from the Senior Vice President, XXXX XXXX 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

2019-04-13

Jackson, TN

Incorrect information on your report

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

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

Timely Response

2019-04-13

Maxwell Afb, AL

Getting a credit card

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

Application denied
Complaint: Regions Bank has denied me a Visa Credit card purely from arbitrary reasons, totally divorced from a rational understanding of my pristine credit rating. The bank has employed torturous, offensive, intimidating, humiliating, and abusive credit reporting and evaluation practices that have damaged my credit rating and denied me a Visa Credit Card in the face of the issuance of myriad credit card accounts to far lesser qualified holders. Furthermore, Regions has employed clearly offensive, arbitrary, and illegal marketing techniques, in the processing and issuance of a Regions HELOC agreement, to include the refusal or failure to present all the acquired residential appraisal reports for XXXX XXXX XXXX XXXX, XXXX AL, XXXX. Regions has reneged on an offer of credit limits because of their failed, erroneous, and needlessly delayed drive-by residential appraisal reports., and because of an incompetent assessment of my then-current outstanding credit use of the target HELOC transfer institution, XXXX XXXX XXXX XXXX XXXX . Only after significant and tortuous delays, did the bank offer a reasonable credit availability on my residential property. Regions has informed me that a " letter of refusal '' of a credit card was merely a failed " machine letter '' sent to me without a rational basis. Such letter I have have no further reason to expect was not a practical and effective letter of refusal by Regions to issue me a Visa Credit Card, one in which I have a limited time for which to complain, such limit apparently not longer than until XX/XX/XXXX, if I understand the letter correctly..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-04-12

Orange Park, FL

Incorrect information on your report

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

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

Timely Response

2019-04-10

Madison, GA

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 explanation

Timely Response

2019-04-10

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

2019-04-10

Saint Clair, MO

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

2019-04-09

Mount Pleasant, SC

Closing on a 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 monetary relief

Timely Response

2019-04-08

Carolina Forest, SC

Managing an account

Checking or savings account: CD (Certificate of Deposit)

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

Timely Response

2019-04-08

Crabtree Valley, NC

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

2019-04-08

Fruitland Park, FL

Problem when making payments

Payday loan, title loan, or personal loan: Personal line of credit

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

2019-04-08

Country Club Hills, MO

Trouble using the card

Credit card or prepaid card: General-purpose prepaid card

Trouble using the card to spend money in a store or online
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-04-08

Jacksonville, FL

Opening an account

Checking or savings account: Checking account

Account opened as a result of fraud
Complaint: PLEASE REMOVE ANY ACCOUNT THAT IS LINKED TO MY PERSONAL INFORMATION SOMEONE ELSE IS USING MY PERSONAL INFORMATION TO MAKE ACCOUNTS WITHOUT MY AUTHORIZATION THANK YOU PLEASE NOTIFY XXXX ABOUT THIS PROBLEM TO UPDATE THIS INFORMATION WHY YOU ARE HARMFUL AND DO NOT LET ME TAKE ACCOUNT WITH OTHER BANKS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-04-07

AL

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: Hello, I am hoping someone at your organization can help me with my complaint regarding Regions Bank. My husband and I have made several attempts to get overdraft fees reversed. My husband called Regions, and spoke with a representative and her supervisor. Both ladies said they couldnt remove the charge. My husband was told to go to a branch to see what they could do. He spoke to a representative at our local branch. She was supposed to research the charge and follow up with us by XX/XX/XXXX. We never heard from her. I emailed Regions 3 times after this as well, but they are unwilling to help. What happened was we had 6 pending transactions in our account on XX/XX/XXXX. We had enough money to cover the pending charges. My husband and I went out to dinner on XX/XX/XXXX, and after dinner we had an available balance in our account of {$79.00}. We shopped for groceries afterwards, and spent {$90.00}. My husband and I did the same thing the week before, because he got paid the following day. He deposited his paycheck and we didnt receive any overdraft charges. We figured it would be the same this time, but instead we were charged 6 overdraft fees adding up to {$210.00}. The XXXX transaction of {$90.00} on XX/XX/XXXX was what caused our account to be overdrawn by {$11.00}. We can understand having to pay 1 overdraft fee for this, but we were charged 6 overdraft fees instead. In the emails Ive sent to the bank, I tried asking them to reverse 5 charges and asked if we can just pay 1 charge. Each time they emailed me back stating theres nothing they can do. I was told the reason for the 6 overdraft fees is because we had 6 pending transactions on XX/XX/XXXX, before we went out to dinner and went to XXXX. Regions states they allowed those payments to clear first ( our dinner at the buffet for {$30.00}, and the transaction at XXXX for {$90.00} ) a total of {$120.00}. We had an available balance of {$110.00} when they did this, which brought the account to - {$11.00}. Then they charged us overdraft fees for the smaller 6 pending transactions. This seems very unfair, because we had enough funds in our account to cover all pending transactions except 1. My husband also deposited his paycheck in the account on XX/XX/XXXX, which would have covered the amount we were overdrawn ( {$11.00} ). His paycheck posted to the account before the last 2 pending transactions posted on XX/XX/XXXX ( {$30.00} at the buffet, and {$90.00} at XXXX XXXX. Ive attached screen shots to show this. Regions representatives also told us they can not waive any fees because we have had overdraft fees waived 3 times in the past ( on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). The fee waived on XX/XX/XXXX was only {$18.00}, because the representative my husband talked to made a mistake. It was supposed to be for {$36.00}, we just never corrected them. Since the phone calls, branch visit, and emails werent getting anywhere, I emailed again asking if there was a specific department I could contact regarding my concerns/complaint. I wasnt given an answer, instead I was given a breakdown of why I was charged the fees. They have given me the breakdown twice. However, no matter how they word it, the bottom line is we had enough money to cover all but 1 of our pending transactions. In addition, my husbands paycheck posted to the account before the last 2 pending transactions did. Im hoping there is something that can be done about this. We have been with the bank a few years, and rarely ask for anything. Any help will be greatly appreciated. Thank you, I hope you have a good night.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-04-06

Baton Rouge, LA

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Complaint: In XX/XX/2017, Region Bank ( via XXXX XXXX XXXX now XXXX XXXX XXXX ) did a credit inquiry against my wishes. I only gave them permission to run a credit inquiry through XXXX XXXX XXXX XXXX. I would like them to remove the credit inquiries from each credit bureau they used.
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

2019-04-05

Kawaihae, HI

Trouble during payment process

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 non-monetary relief

Timely Response

2019-04-05

Simi Valley, CA

Unexpected or other fees

Credit card or prepaid card: Payroll card

Complaint: I have been getting notifications through text messaging on my personal cell phone about purchases that are trying to be made and how I'm missing $ XXXX..i talk to the card company and they said it was going to be investigated and they told me that since they can't provide me legal documents concerning my account with them through the us mail, that they would email me my documents and i have received nothing not even an update on possible fraud.
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

2019-04-05

Montgomery, AL

Problem when making payments

Payday loan, title loan, or personal loan: Installment loan

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

Timely Response