REGIONS FINANCIAL CORPORATION

2018-12-05

Memphis, TN

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

2018-12-04

AR

Managing the loan or lease

Vehicle loan or lease: Loan

Billing problem
Complaint: I contacted my auto lender to request that I receive monthly billing statements with payment coupons, after discharge of a personal bankruptcy. I explained to the lender 's agent that the USBC 's Federal rule against Debtor contacts are extinguished upon entry of an Order of Discharge, and that issuance of monthly loan statements should have already resumed. The lender has refused to provide updated payment application information, and have refused to accept my written request for monthly auto loan statements, with payment application information, current payoff amounts, and other information required to be disclosed in auto loan statements.
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

2018-12-04

Plano, TX

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: I have three unknown inquires on my credit report. They are from XX/XX/2018 one is XXXX XXXX XXXX XXXX, the other is Regions Bank the last one is 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

2018-12-04

Gretna, LA

Getting a line of credit

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 explanation

Timely Response

2018-12-04

Gretna, LA

Closing an account

Checking or savings account: Checking account

Funds not received from closed 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

2018-12-03

Bethlehem, 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

2018-11-30

Problem caused by your funds being low

Checking or savings account: Checking account

Non-sufficient funds and associated 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

2018-11-30

FL

Charged fees or interest you didn't expect

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

Complaint: XXXX was my balance, overnite regions added XXXX bank fees, just when I was going to pay them off, that's when I contacted consumer financial protection bureau demanded the fees removed, region manager offerd me XXXX, everytime I called regions they would want to collect all the unethical fees, during that time I signed up with comsumers credit consueling, I paid regions XXXX they are not applying my payments to account the stilling charging me fees, the collection employees only want to continue to harass me about the fee, my balance should only be XXXX to close out account.. regions want to collect the fees, it is account ending in XXXX, regions act like they have no notice from cfpb,, the are collecting more than I owe them
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-29

IL

Problem with a purchase shown on your statement

Credit card or prepaid card: Store credit card

Card was charged for something you did not purchase with the card
Complaint: There were 3 fraudulent activities on my Comdata account dated back to XX/XX/18. One of my charges was returned by Comdata, the other two they said they will investigate. It may take up to 90 days for them to investigate the fraud. I waited the 90 days, I emailed them daily and weekly and nobody from the fraud department has gotten back to me. Finally, I contacted the XXXX XXXX XXXX where the fraud was committed and they agreed that the charges are fraudulent, she sent the email to Comdata to return the money to my account and they refuse.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-28

LA

Fraud or scam

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

Complaint: I had a lot of fraud on my account. They printed out paper work for me to look over. I told them by looking at account what wasn't my charges but I wanted to be sure so I didn't lie not meaning to about any charge. My car broke down and I wasn't able to bring them paperwork. Reguardless I told them what i knew was fraud and where it started. Them knowing this and I should have been reembursted at that matter. I am no longer able to have a checking account. It showes I owe money I should not owe but should have been paid back. This issue has yet to get resolved maybe you can help. I don't want the negative reports on my credit for they are false and I would like my money back if all possible. With my luck I doubt in a million years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-28

AL

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Complaint: On XX/XX/2018, an amount of {$500.00} was paid to XXXX XXXX XXXX for a procedure for a specific doctor. The doctor, however, is no longer at the facility and, therefore, is unable to perform my procedure. I requested a full refund from the facility and did not receive the {$500.00} amount back. Nonetheless, I filed a dispute with my bank ( Regions ) explaining the situation and hoping for rectification. Regions sent me a letter denying my dispute and did not credit the amount back to my 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

2018-11-27

Green Acres, FL

Problem with a credit reporting company's investigation into an existing problem

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

Their investigation did not fix an error on your report
Complaint: XXXX has been non-compliant with removing the unverified account REGIONS BK XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that REGIONS BK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-27

Country Club Hills, MO

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

2018-11-26

Las Vegas, NV

Problem caused by your funds being low

Checking or savings account: Other banking product or service

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

2018-11-26

AL

Managing an account

Checking or savings account: CD (Certificate of Deposit)

Problem with fees or penalties
Complaint: Regions Bank is allowing ACH debits to run my checking account to negative balances despite my refusal to have my account overdraft and would debit my account first and then post my electronic ACH deposits secondly in order to create more overdraft fees. I have specifically disabled overdraft protection on this account and this has resulted in NSF fees on several drafts the past 4 plus weeks starting on or around XX/XX/2018 running through appears to be well over {$220.00} or approximately 7 separate NSF charges on my account of {$36.00}. This is unfair and dishonest banking and I have contacted my local branch manager XXXX XXXX and she refused to help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-26

Memphis, TN

Trouble during payment process

Mortgage: Other type of mortgage

Complaint: In XX/XX/XXXX I brought a mixed use property that I live in a loft and have restaurant rental space below. I finance the property from XXXX XXXX XXXX in XXXX somewhere it got sold to Region Bank I don't know exactly when they made the switch, In XX/XX/XXXX Regions stated I was behind on some notes and they offered to modify the loan. I accepted though I couldn't prove at that time I was not behind on my mortgage. In XX/XX/XXXX the bank said the loan was due and I owed another {$180000.00} dollars on a property. In XX/XX/XXXX I did an administrative process on them asking for the original blue wet ink copy of the contract. They could not produced it and the ones they did produce were copies with obvious blank outs. After this starting XX/XX/XXXX they tried to foreclose on my property, I had to hire an Attorney to get an injunction to stop the foreclosure and sale of my property. I filed a lawsuit in XX/XX/XXXX sued the bank for fraud and racketeering during the hearing it was proven that I had paid well over {$500000.00} however before we went the trial, the bank agreed according to my attorney that I did not owe them anything on the mortgage but that I now owed them {$41000.00} in taxes ... I offer a tender of payment to them via my attorney which they accepted. XXXX of this year after a year of no feed back.. I asked for a settlement and closing of the account.. the attorney I hired said since we did not hear anything else from them that I could dismiss the case without prejudice and come back and sue them later if needed. XX/XX/XXXX they sent me another letter stating I am in default of the mortgage and that my property will be sold XX/XX/XXXX. Of course I will be going back to sue or file bankruptcy as I have exhausted my reserves suing them the first time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-23

Tampa Palms, FL

Opening an account

Checking or savings account: Checking account

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 explanation

Timely Response

2018-11-23

Clearwater, MO

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

2018-11-22

Arlington, TX

Fees or interest

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

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

Timely Response

2018-11-21

Whitfield, AL

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

2018-11-21

Tuscaloosa, AL

Communication tactics

Debt collection: Mortgage debt

You told them to stop contacting you, but they keep trying
Complaint: Regions bank Collections is calling for a debt not owed, but misapplied by Regions employees in the Regions bank system. There is an elderly person at our number and the calls are interfering with ability to provide adequate and appropriate in home health care. Two Regions Collection agents over the past week were told no payments were due and the account up to date based on in person visits to bank branches over past two months. The first Collection agent spoke as if she took the information in a responsible manner and would follow up on status. Today 's Collection agent was clear after being told the above he did not care about the information we shared. He attempted to be intimidating and rude in the manner of a Collections bully. Two payments were misapplied within Regions over the past two months : one on bank deposit boxes, and one on the personal line of credit loan. We went into a branch again today and found Regions employees misapplied our payment to the wrong place. They said their system showed ( 1 ) a {$90.00} outstanding due on what they term " the personal line of credit loan '' and ( 2 ) a credit of {$270.00} on what they call " the personal line of credit account ''. This is the same thing : the Regions Personal Line of Credit. What happened in Regions system is the loan payment was applied to the annual fee for the personal line of credit account. It is likely the payment for the annual fee was applied to the personal line of credit loan. We asked Regions main branch to process paperwork that no phone calls are to be made again, but communication in writing. We need to ensure Regions Collections does not process notice of late payments or other negative credit rating information against our accounts to any credit bureau.
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

2018-11-21

Cammack Village, AR

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

2018-11-20

Childersburg, AL

Managing an account

Checking or savings account: Checking account

Problem accessing account
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

2018-11-20

Huntsville, AL

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: On XX/XX/XXXX I applied for an online loan with XXXX XXXX. The same day I was told I was approved and that my funds would be deposited into my checking account. Around 2 days later I was able to see my deposit but for some reason I was unable to have access to my funds. Since it was the weekend and Monday was a holiday I wasnt able to speak with someone at the bank until Tuesday. In between that time I was in constant communication with who I thought was an employee at XXXX XXXX. The woman from XXXX assured me that the reason I couldnt touch the funds was due to the bank putting a hold on it. By the time Tuesday came around I was overdrawn about {$1900.00}, I immediately contacted Regions ( XXXX, AL ) as well as their fraud department. They were supposed to put a freeze on my account and any other payments trying to be processed and told me that I was in fact scammed. I called my contact at XXXX and the number was disconnected. I go to my bank Wednesday because not only did I need to speak with someone regarding my account but they never put a freeze on my account and the scammers were able to withdraw another large amount of money on Wednesday. My total amount that I was scammed for was {$3900.00}. Not only did I not have those funds to begin with but the bank also told me that there was nothing they could do because I willing gave them my information even though it was a scam. I am on fixed income, Ive had to close my account and now Regions bank is telling me that they will keep my fixed income check that was supposed to be deposited into my account to make up for what the scammers got. I am outraged and in disbelief that Regions has not only kicked me while I was down but added insult to injury. I have been a member of Regions bank for over a decade and would have never imagined such treatment since I have always thought highly of this institution. I have no other means of income and they actually expect me to be without income for a month. I dont believe I should be held responsible for this I wasnt aware that I was being mislead. I have contacted an attorney regarding this matter and will be filing a police report as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-19

Jacksonville, FL

Managing an account

Checking or savings account: Checking 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