REGIONS FINANCIAL CORPORATION

2018-11-18

Austin, TX

Closing an account

Checking or savings account: Checking account

Company closed your account
Complaint: Regions Bank Closed my account and charged it off. I rented a XXXX a year and months ago, I paid the amount that was supposed to have been paid. However due to a mixup in trucks, XXXX charged my card over {$800.00} dollars. I tried to dispute it with Regions, they would not let me dispute the charge. I thought the bank I trust with my money was supposed to protect my funds. They tried to force me to pay them over {$800.00}. I refused, so they not only closed my account, but they have sent it to a collection. For an amount of {$370.00}. These are unethical practices for a financial institution.
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

2018-11-16

Bethlehem, GA

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 monetary relief

Timely Response

2018-11-16

Kissimmee, FL

Closing an account

Checking or savings account: Checking account

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 monetary relief

Timely Response

2018-11-15

Lake Sullivan, IN

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 explanation

Timely Response

2018-11-15

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

2018-11-15

Miami, FL

Getting a credit card

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

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

Timely Response

2018-11-15

IL

Closing your account

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

Company closed your account
Complaint: I worked at Regions Bank from XXXX until XX/XX/XXXX. I will keep this about the alleged credit card that Regions is reporting as past due account due to charge off. My name is XXXX XXXX XXXX, credit card was a Regions personal credit card ending in XXXX. One of the Reasons I left Regions was there investigation into my personal LLC XXXX of the reasons why I quit the bank. Back to this case however, I closed all of my Regions accounts ( except my mortgage, and retirement IRAs with Regions ). This specific credit card was closed by XXXX XXXX who is the Assistant manager in the XXXX IL branch. Regions claims that I mad some small charges for a direct pay I had on the credit card. I cant remember which company tried to pull money but Region ( most likely the software used ) reopened my account paid it and then left the account open. My email address was set up as XXXX and apparently my statements kept going to the XXXX branch after I left the company. Regions claims they sent these to my home address which is a false claim. I did receive ( will attach ) a letter to my house for official notification of charge off that they state in the letter will affect negatively my future credit and my ability to apply for credit in the future. ( Well they were right about this one ). This sole act by Regions has sank my credit score over 100 points. They apologize for my inconvenience but state they wouldnt remove. All I wanted was a civil end to this credit card but the Legal Department stated ( will attach ) that I am basically liable and they will not remove. Ok well that was an easy answer for them and they brought this claim on themselves by not help a current priority customer and ex employee. The letter I recieved on or account XX/XX/XXXX was form XXXX XXXX ( Senior Vice President ). Regions Bank. Being that I worked there I emailed him directly and he referred me to the legal department in which I tried to settle this matter with. I guess it was just to hard for them to remove so they stated AGAIN that it was my fault. 1st off I had an XXXX fico score. Why in the world would I not pay that amount. I paid the balance in full in the amount of {$310.00} in cash at the XXXX IL branch. A tell applied the payment. I dont feel like I owed this amount but I couldnt afford a charge off. XXXX XXXX is the person who contacted me from the legal department at Regions. Regions claims to have sent me 4 statements showing me past due to my residence ( they did not SEND ). There XXXX computer is wrong on this and was wrong! To reopen my credit card account with out my knowledge. Those charges should have been refused not accepted by Regions. Regions I feel has really gone above and beyond to hurt my credit, my business credit and my standing at the bank. I almost feel this is retaliation from two former bosses of mine XXXX XXXX, XXXX XXXX, the XXXX XXXX. I can go into detail why these individuals are not long in XXXX XXXX managaement but I want to just have this REMOVED and by Removed I mean elimated that I ever was a holder of this card. At minimum I need my credit reported correctly by Regions to the 3 credit reporting agencies ( XXXX XXXX, XXXX, XXXX ). This could have an easy solution but it seems like Regions doesnt want to take this simple solution. I will not quit this fight ever until Regions removes this off of my credit report. I have also contact my personal attorney in XXXX XXXX IL. He suggested I ask first and then if no answers we would fight this in court. I however would just like it removed. Its not the hard Regions I worked there.
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

2018-11-14

Money was not available when promised

Money transfer, virtual currency, or money service: International 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

2018-11-14

Katy, 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

2018-11-14

Key Biscayne, FL

Getting a credit card

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

Application denied
Complaint: By the end of XX/XX/2018 I submitted an application for a credit card in response to an offer from REGIONS. On XX/XX/2018 Regions sent me a letter in which the bank states that " after carefully reviewing your application, we regret that we are unable to approve your application at this time ''. According to that statement key factors that adversely affected my credit score were : 1.- Length of time retail accounts have been established is too short. My average length of time in those accounts is 10 years or more. 2.- Too few active mortgage accounts. I do not have any mortgage account because my properties ( 3 ) have been paid in full. 3.-Insufficient prepayment activity on installment accts over the last year. 4.- Too few recent balance in full payment activities. I pay all my balances in full before the due date. Never in my life I have been denied a credit card before by any financial institution. My credit score is second to none and my FICO score is XXXX. I wander if this is a case of XXXX discrimination since I am of XXXX origin.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-14

Broadmoor, LA

Applying for a mortgage or refinancing an existing mortgage

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

2018-11-13

LA

Incorrect information on your report

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

Information belongs to someone else
Complaint: Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. REGIONS BANK XXXX XXXX {$250.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-13

Crossings, 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 monetary relief

Timely Response

2018-11-11

Bremen, GA

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: On XX/XX/XXXX, the day before my paycheck was direct deposited, I received notice that an overdraft protection of {$300.00} was being transferred from my Regions savings to my checking account to protect me from being overdrawn. I knew I had a few XXXX dollars in the account and was not overdrawn. I looked immediately and noted two ATM charges ( first for {$100.00} and second for {$300.00} that had been posted the same exact day on my statement at two different banks -- listed at BRANCH BANKING XXXX # XXXX and XXXX XXXX XXXX ). I called the Regions line and spoke to a rep on XX/XX/XXXX. I still had my card and no one had authorized use of it. I was told by the rep that someone had likely cloned it and taped me using my PIN. I completed everything that was asked of me over the phone and completed the paperwork sent to me the next day. After ten days, I received notice that Regions was not crediting me back the money because I was still in possession of my card and no police report of stolen card had not been filed. I had been told by the rep Regions would handle the matter. I was not asked to report the card information stolen. I followed the instructions given to me by Regions and was told they would handle the matter. This is insane. I did not use my card. I have not even been to XXXX in months. I was at work from XXXX until XXXX XXXX on XX/XX/XXXX. I reported the card issue immediately. In addition, I had already placed a 90 day watch on my account due to several data breaches that had been reported. I watch my accounts. I am diligent about protecting my information. I have had this account for over 15 years. This has never happened and I do not feel I am being treated fairly or that the bank did due diligence in investigating the matter. Every bank has ATM cameras. They know when the transaction was made. It should be time stamped on the video. I was a victim of fraud and now I feel like the bank ripping off a long time customer just because they can. I would like to know what my options are and would appreciate any assistance you can provide. Sincerely, XXXX XXXX XXXX
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

2018-11-09

Arco, CA

Unexpected or other fees

Credit card or prepaid card: Payroll card

Complaint: I worked for XXXX XXXX, XXXX XXXX, CA and on XX/XX/18 i was paid with a Camdata debit card for the amount of {$540.00}. When i tried to withdraw the money Camdata took away the sum of {$27.00} instead of {$3.00} stated. I have made repeated calls but they will not refund or explain why in one transaction the amount is taken away for my payroll. This not fair as the amount is exorbitant. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-09

Hollywood, FL

Problem with a purchase shown on your statement

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

Card was charged for something you did not purchase with the 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

2018-11-09

Dexter, MS

Problem when making payments

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

You never received your bill or did not know a payment was due
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-09

Jacksonville, FL

Problem caused by your funds being low

Checking or savings account: Checking account

Late or other fees
Complaint: On XX/XX/XXXX I used a non Regions ATM 3 times to withdraw money, but then I tried to take out an amount I believed to be in the account and it was declined several times and, despite the transactions not being approved, Regions Bank still charged me for 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

2018-11-07

Anaheim, CA

Trouble using the card

Credit card or prepaid card: Payroll card

Problem using the card to withdraw money from an ATM
Complaint: On XX/XX/2018, I attempted to withdraw the sum of ( XXXX ) from the ATM on XXXX XXXX XXXX XXXX CA XXXX using the Comdata card provided to me. And the amount of ( XXXX ) was the only thing dispensed, but it debited me ( XXXX ) not only once but twice the ATM displayed an error on the screen. I went to customer service in that store and I was advised that I needed to contact Comdata to work it out with them since the atm was not theirs and that they had nothing to do with it. I immediately contacted Comdata and was connected to a customer service representative. I was advised that a dispute would need to be opened and that I would be hearing from someone within a few days. On XX/XX/2018 after not hearing from anyone, i called them and they said that by the XXXX i would get my ( XXXX ) refunded back in my account i called on the XX/XX/18 since it was already XXXX and nothing apeared on my account and so i was told that if the next day i didnt recieve anything to call again.. I was provided a case number and was told that I had to write to them to get any additional information, which I did. And. So i checked the next day and nothing on my account i called them again and now they said that that kind of dispute could take up to a month so i had to wait. On XX/XX/2018 i called again because i still havent gotten refund my money and they escalated the case and told me to wait 24-48 hrs. Its now XX/XX/2018 and still nothing these are payroll funds that are necessary to pay household expenses. I have been more than patient, but I still have no resolution to this. I need some assistance to get my payroll funds back to me immediately. Im tired of waiting i think i have waited enough time already
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-06

Lewisville, TX

Managing an account

Checking or savings account: Checking account

Fee problem
Complaint: I called on XX/XX/XXXX and tried to resolve {$5.00} mobile transaction fee that was crammed on to my on XX/XX/XXXX while I was making mobile deposit. The representative refused to refund the fee
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-06

Atlanta, GA

Trouble using the card

Credit card or prepaid card: General-purpose prepaid card

Problem adding money
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

2018-11-05

Austin, TX

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

2018-11-02

Canton, GA

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 non-monetary relief

Timely Response

2018-11-01

Gretna, LA

Managing an account

Checking or savings account: Other banking product or service

Fee 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

2018-10-31

Burnsville, MN

Fraud or scam

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