REGIONS FINANCIAL CORPORATION

2018-10-15

Blmgtn, IN

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

2018-10-15

Matthews, NC

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
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

2018-10-15

Ft Lauderdale, FL

Trouble during payment process

Mortgage: FHA mortgage

Complaint: I currently have a mortgage with regions bank. I recently got a letter in the mail about my mortgage increasing due to homeowners insurance increase nationwide. I called regions and request that they terminate my mortgage insurance ( PMI ) which would help maintain my mortgage payments to where it was manageable. The representative I spoke to at the time told me that he was going to put this request in which is due to me base on the length of my mortgage with them. a few weeks later I got a denial letter from regions stating that they are unable to terminate my PMI due to delinquency on my account. my account is not in any delinquency back in XX/XX/2014 I lost my job and was going through a hardship I missed one payment and it was due to the fact I was in a process of applying for a modification to help me from losing my house then. Now with this increase and regions declining to terminate this insurance I am having a hard time making my payments and fear I may fall behind on my 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

2018-10-12

Struggling to pay 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

2018-10-12

Mineral Wells, MS

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

2018-10-12

Brentwood, TN

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: For the last 12 months or so, I have noticed theres clearly fraud happening with my account, charge I dont recognize, purchases, you name it. I have filed multiple claims and changed cards multiple times and even changed my checking account information. I DO NOT give my card to anyone, but in restaurants and the ocasional online purchases. Im 100 % sure I have been victim or fraud and someone is literally picking me to steal. The drop that spilled the milk was that theres was a {$21.00} and change charge coming in every month for 6 months that even caused overdrafts a couple of times. I didnt noticed, Im a busy single mom of XXXX that works her XXXX off to put food on their table. So when I noticed what was going on I called the Regions Bank and explained, we cancelled the card and they advised they filed the dispute. But I also called the company charging me and told them to stop and to give me my money back. They said theyll give me a refund for all charges, but they stated that the card needed to be updated for that to happened, so I naively followed their steps and updated my card on their system so they coul refund the money as it turns out the very next day I get another charge, then 2 days later they refunded 2 amounts of {$29.00} each. I didnt know where they got that amount from, but after I saw I printed the statements and realized they charged that amount once too. So I decided to call the bank and explain just to find out they denied the claim, then I called the company again and conferenced them in to each other, just to hear them say they never cancelled anything ... How if asking you to refund me, you didnt close whatever I didnt know it was open? Thats why supposedly I got charged after updating my card on their system. The bank lady filed another claim and the dude finally closed whatever was open. They said that if it wasnt me, how my email was in there? I literally said, I dont know, how is your information fitting in? I dont know either! But Im just tired of being robbed! Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-12

Birmingham, AL

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

2018-10-11

Bartlett, 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

2018-10-11

TX

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: Withdrew {$200.00} from Regions ATM on XXXX XXXX in XXXX TX on XX/XX/XXXX around XXXX XXXX while waiting for a restaurant to open from one checking account and immediately re-deposited cash into my mother 's checking account. Machine froze after entering debit card and cash into machine and then entire machine turned off. Immediately called bank to get issue resolved. Was told that the bank manager would get an email to make sure ATM was balanced and issue would be corrected. Was told they could not give me confirmation of phone call and to call back within 72 hours if the issue was not corrected. Called back on XX/XX/XXXX, 72 hrs later, and was told they meant 72 business hours to check why it was not resolved if the money did not show up. Was told to call back the next day. Called XX/XX/XXXX and was told my claim was denied on XXXX because they did not find a {$200.00} check. I reiterated that it was cash, was told they would re-open claim. Wondering why they had an answer on XXXX that claim was denied and was not told that on XX/XX/XXXX, and they also stated they don't know why I was told that the bank manager would be able to know if ATM would be balanced. Too many conflicting answers, I just want the cash I deposited into my mom 's account corrected.
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

2018-10-10

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

2018-10-09

Bellaire, TX

Improper use of your report

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

Reporting company used your report improperly
Complaint: regions pulled my credit twice in 3 days is a violation of the fcra XXXX XXXX pulled my credit twice same day
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-09

TN

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

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

Problem with personal statement of dispute
Complaint: My Payments with Regions credit line in XXXX was late, and was paid in XXXX. Although I paid account to {$0.00}. Regions did not accurately display my payments as they said both months were late. I contacted Regions and told them the reason I missed was because of bills not being accurately sent to my address due to me moving, and I also did not get correspondence from Regions that I owed. I thought account was at {$0.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-08

AL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: My situation dates back many years to dealings with both Regions Bank and XXXX before the merger. We ( myself, my brother, and my first cousin ) had a number of personal and business loans with these banks. All of these were handled in a satisfactory manner and we paid those loans in accordance with the agreed upon terms. In XXXX we were reworking and renewing most of our loans. Our loan officer at the time, XXXX XXXX, recommended different loan structures that he said would best fit our needs. Having always had a good relationship with our lenders ( who we considered our business partners ) we went along with his recommendations. I was later told by a person no longer with Regions that loan officers had an incentive to promote certain types of loan structures because it led to significant bonuses for the loan officers and to their superiors. I recall specifically that we were rushed to sign many of these documents at the end of XXXX in XXXX, just before the quarter end. Mr. XXXX drove to XXXX to meet us to complete the loan documents. I now believe that this was in part to book those loans prior to the 2nd quarter end. In particular, a large amount of the loan volume was tied to an " interest rate swap '' that later proved to be very problematic. In any event, we paid those loans as agreed and continued to do so until some of the loans matured. At that time we had assumed that the loans would be renewed on the same or similar terms as before since we had performed in accordance with the loan terms. Instead, the loans that matured were called due and were told to pay off Regions " or else. '' Thankfully we were able to refinance those loans and paid Regions in XX/XX/XXXX. Even the loans that were being paid on a monthly basis and that had NOT matured were accelerated due to the other loans having matured and not being paid off. In effect, Regions forced us to pay off loans that were current, and those were the loans with the penalties associated with the interest rate swap. During this same time period I had a personal loan that had to be renewed. It was handled in much the same manner as the business loans, but it was ultimately renewed. However, the terms were unfavorable and that was due in large part to the negative effect on my credit which had been damaged by Regions handling of my various loans. That personal loan has matured and I am once again in a conflict with Regions about refinancing that loan. That situation is the primary impetus for the filing of this complaint. I have attached copies of various communication which I have had with Regions in support of this complaint. I very much appreciate the opportunity to present this information to 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

2018-10-05

Brentwood, TN

Managing an account

Checking or savings account: Checking account

Fee problem
Complaint: I have multiple accounts with Regions Bank, and have to transfer money regularly to maintain a positive balance. However every time I manually transfer money to avoid overdraft fees, they make the transfer appear as if they did it as a courtesy, and charge a {$15.00} fee. I am constantly on the phone with a representative about these fees, and they are often refunded. Most recently I made a manual transfer in order to manor an ATM withdrawal in the amount of {$100.00} on XX/XX/XXXX. After the banking activity cleared, the transfer was changed to an overdraft protection transfer, and a {$15.00} fee was attached. I made another manual transfer on XX/XX/XXXX for a {$54.00} purchase that cleared on XX/XX/XXXX. On XX/XX/XXXX the transfer again was changed to an overdraft protection transfer, and a {$15.00} fee was assessed. On XX/XX/XXXX I was charged another {$15.00} overdraft protection transfer fee. I was also charged a {$36.00} NSF fee. The transfer activity that took place on XX/XX/XXXX would not have been necessary, if the bank did not improperly charge me on XX/XX/XXXX and XX/XX/XXXX. The addition of the charge on XX/XX/XXXX caused me account to go into a negative balance, and a {$36.00} fee was assessed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-04

Katy, TX

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

2018-10-03

Nashville, TN

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

2018-10-02

FL

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: This charge was supposedly done on XX/XX/2018. However, I have had this issue way too many times with XXXX posting charges late, when I can no longer verify if they are legitimate charges or not. After dealing with this after receiving my XX/XX/18 bill, I ordered new cards from a new company and began using them XXXX XXXX. When the XX/XX/18 bill came, I called and verified that there were no pending transactions and that paying that bill in full would have it paid in full. Even though I was charged an {$87.00} " high risk transaction fee '' that was not supposed to be on my account. I closed my account on XX/XX/18 with the consumer advocacy department ( Ref : XXXX ). I have the confirmation of close email. The day after I closed it, it seems ANOTHER backdated transaction was put through with a transaction date of XX/XX/18 and posted on XX/XX/18 ) This is unacceptable. I no longer wish to do business with XXXX and will not deal with having backdated charges show up for the rest of the year. This needs to STOP. My account is closed, and no further transactions post to my account at all! I want to be DONE with this nightmare! I was told by the XXXX XXXX Department today ( XX/XX/18 ) that even though the account is closed, they will still post any backdated transactions - no matter how old - and bill me. They refused to even remove the backdated charge or the erroneous fee from last month. This is my second time writing with this complaint department about XXXX and their billing practices. I have disputed the charge formally, but doubt they will do anything about 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

2018-10-01

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 monetary relief

Timely Response

2018-09-28

TX

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: On XX/XX/2018 there was a fraudulent transaction on my account for the amount of {$140.00}. I filled out a fraudulent transaction form and sent to the company as per their policy. The company later responded with the following : Dear Valued Customer, The Fraud Investigation team has completed the review of your claim related to unauthorized charges for Case Number : XXXX involving card ( s ) ending in : XXXX. All fraud claims are reviewed in compliance with federal regulations, Cardholder Agreements, and MasterCard rules ( when applicable ). Upon review of the available information, which includes but is not limited to transactional data, account history and information which you have provided on the dispute form, it has been determined that the charges in dispute are not covered under your Cardholder Agreement, and therefore we are unable to approve your claim. Your Cardholder Agreement states : Federal Regulation Z for Business Use : You agree in any event that if at any time you have been issued ten ( 10 ) or more cards at your request, then you waive any and all limitations of liability for unauthorized use of such cards. While our real-time transaction monitoring systems are examining your account 24/7 for suspicious activity, we recommend that you frequently review your account for unauthorized purchases. Customer service is available 24/7 if you'd like assistance on the best way to use our online tools to monitor suspicious activity. For questions regarding your Cardholder Agreement, please call the Customer Service number on the back of your card. Thank you for your patience in allowing us to complete a full investigation of your claim. We appreciate your business and look forward to serving you in the future. Respectfully, Fraud Operations, Investigations Unit While the information in their response maybe true, it does not apply to my complaint. This was not an unauthorized use of a card. The card in question was in my possession at the time the fraudulent transaction was made and therefor meaning the card wasn't actually used at all. I would assume this was a electronic credit card fraud but either way the company is unwilling to answer me and don't seem to care.
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

2018-09-28

Centerville Branch, GA

Applying for a mortgage or refinancing an existing mortgage

Mortgage: FHA 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

2018-09-28

Little Rock, AR

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: I deposited a insurance check into my account in XX/XX/XXXX. Regions notified me they were going to hold the check for 3o days but they had already received the funds from my insurance company. Regions charged my bank account an excess of over 1000.00 in overdraft fees because the check didn't have the signature of the company that did the repairs on my car. The repair company tried to have them release the funds but they wouldn't. I paid the automobile repair company then had to have them credit my account because regions wouldn't release there money that has already been cleared from my insurance Co. Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-09-28

Madison, GA

Lost or stolen check

Money transfer, virtual currency, or money service: Traveler's check or cashier's check

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

Timely Response

2018-09-27

Tampa, FL

Opening an account

Checking or savings account: Checking account

Unable to open an account
Complaint: On XX/XX/24 I opened an account on line with Regions bank and was assigned an account number, and I also signed up for on line banking. I also funded the account with a {$50.00} opening deposit. Later that afternoon, I stopped in to a local branch and picked up two debit cards and assigned PIN numbers - one for me and one for my wife. I also activated these cards. The next day, I attempted to deposit {$200.00} in cash. That deposit was declined. I then tried to use the debit card at my dry cleaner and it was declined. I called the customer service line and after being transferred to various people who could not help me I was told that a block had been placed on my account by a local branch and only that branch would help me. Today, I was able to speak with someone at the branch and they told me that the account was closed due to a report of fraud. No other explanation was provided to me. I was told I would receive a letter and was told to call something called " XXXX XXXX XXXX ''. When I asked for that number, I was told I could look it up myself. This process seems backwards. Why would a bank allow me to open an account, fund it, change my direct deposit and then two days later close it without a detailed explanation?
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

2018-09-26

Alafaya, FL

Managing an account

Checking or savings account: Checking account

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

2018-09-26

Birmingham, AL

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