REGIONS FINANCIAL CORPORATION

2018-07-25

MS

Charged fees or interest you didn't expect

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

Complaint: I applied for a loan in XX/XX/XXXX. I didn't get the loan until XX/XX/XXXX because the underwriter was giving the loan officer the blues. He told her that was the best we could do for the interest rate and years. I thought this was unfair. The lowest interest rate they gave me was 6,7 % fixed 15 years for {$50000.00} which I thought was too high plus it was a home equity loan with the house for collateral. I made my first payment and found out I have a daily interest rate loan ( per Diem ), not a fixed rate. So within 6 months have have paid back over {$1000.00} in interest which is ridiculous. My credit is good and I am trying to get a better type loan and interest rate. Example payment in XXXX Interest {$210.00} and Prin {$220.00}. XXXX Interest {$340.00} and Prin {$95.00} went toward principle.
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

2018-07-24

Grassy, MO

Trouble during payment process

Mortgage: FHA mortgage

Complaint: We took out a mortgage on our home with Regions Bank XX/XX/XXXX. They applied the PMI Insurance because we did not have 20 % down. The purchase price of our home was {$220000.00}. We financed approximately XXXX.. We have paid down our mortgage in the last two years and now owe XXXX.. Regions Bank refuses to remove the PMI Insurance unless we pay {$420.00} to have the home appraised. We received correspondence from Regions Mortgage on XX/XX/XXXX, that the loan to value of the original home value must be 80 % or less to cancel the PMI. We are currently at 47.6 % and they refuse to cancel the PMI. In the same correspondence they stated that the PMI will automatically terminate on the day the principle balance of the loan is scheduled to reach 78 % of the original loan value.
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

2018-07-24

Glenarm, IL

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: I have been charged over {$1000.00} in overdraft fees by Regions back over the past year. I am a XXXX XXXX who also works full-time making the Illinois minimum wage of {$8.00}. The fees charged by regions are exorbitant. While they are technically " legal '', they are predatory with no relief for the struggling consumer. For instance, my most recent overdraft was caused by a single bill which automatically comes out of my account. However, because other items were pending, that single bill cost me {$210.00} in a single overdraft fee for multiple items that were " pending '' despite being drafted from available balance. {$210.00} for a {$91.00} overdraft which I covered by depositing money into the account the same day the charge appeared on the account. This is absolutely predatory as a charge for charges that are still pending. I brought the account current before the charges posted and am still having my hard earned money stolen from me. And the CFPB is supposed to protect consumers? Where is our protection from blatant theft like this? With so many companies forcing automatic withdrawals such as XXXX, XXXX and other services, it becomes exceptionally difficult for those of us making next to nothing to accurately monitor an account which always sits so close to the overdrawn mark. This practice of punishing the less wealthy for being less wealthy needs to change because what I would like to see, is the option to have an account that just simply declines ALL purchases that overdraw the account. If the money isn't there, don't pay it. I would much rather pay a late fee or a have a service shut off that be charged {$210.00} in a single overdraft!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-24

Point Washington, FL

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

2018-07-24

Everman, TX

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

2018-07-24

MS

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Complaint: Hello. Please read the previous email threads, though long, these are short in comparison to the number of times I've requested assistance from Regions by phone and in person, only to be hung up on, given a reference number that no other Regions rep would ask for or take to follow up on. The second from the last time I called on XX/XX/2018, the Regions rep at the XXXX number checked my account and saw no notes since I've called, no credits to loss funds by Regions who failed twice, maybe more, to apply STOP PAYMENT, with no apologies, just bad customer service. Again, this is another follow up to many, many, many previous unsuccessful follow ups. After many, many, many times speaking to Regions Bank XXXX Green Line customer service number, and visiting branches with no success, I was instructed by the most recent Regions XXXX customer service representative after inquring how can I reach someone, no one has cared or did anything regarding this matter, I was referred to the email : XXXX. Yet, yesterday, late while at work I recieved an unidentified miss call, called back while at work on break to see it was the XXXX Regions green line calling from a ( XXXX ) XXXX area code phone number, the hold was soo long that no one was reached, again at work. I placed the STOP PAYMENT on my account in the XX/XX/2018, yet Regions failed me twice, even after Regions suggested and issued a new debit card, failing to close out the old one. Again, I've lost {$74.00} at least three times, twice in XX/XX/2018 I believe, plus I lost the Regions STOP PAYMENT fee. I am an unsatisfied customer, and when situations permit, will be leaving and following up with continued complaints and reviews as hundreds of others I've heard from. I understand from the auto generated email of email being unsecured therefore, my account number ofcourse wasn't emailed, yet even after calling into the secured Regions XXXX customer service line talking with many Regions reps, still no success, this has been a continuous cycles of Regions giving me the run around and still MY MONEY IS GONE. I am again statng Regions needs to RESTORE MY FUNDS TO MY ACCOUNT. A solution must be met.ie XXXX XXXX To : XXXX, XXXX, XXXX, Regions, Regions and 6 more ... Cc : Securities and Exchange Commission, CFPB_WHISTLEBLOWER, CFPBPress, Consumer Financial Protection Bureau, XXXX and 21 more ... XX/XX/XXXX at XXXX XXXX Hello. Please read the previous email threads, though long, these are short in comparison to the number of times I've requested assistance from Regions by phone and in person, only to be hung up on, given a reference number that no other Regions rep would ask for or take to follow up on. The second from the last time I called on XX/XX/2018, the Regions rep at the XXXX number checked my account and saw no notes since I've called, no credits to loss funds by Regions who failed twice, maybe more, to apply STOP PAYMENT, with no apologies, just bad customer service. Again, this is another follow up to many, many, many previous unsuccessful follow ups. After many, many, many times speaking to Regions Bank XXXX Green Line customer service number, and visiting branches with no success, I was instructed by the most recent Regions XXXX customer service representative after inquring how can I reach someone, no one has cared or did anything regarding this matter, I was referred to the email : XXXX. Yet, yesterday, late while at work I recieved an unidentified miss call, called back while at work on break to see it was the XXXX Regions green line calling from a ( XXXX ) XXXX area code phone number, the hold was soo long that no one was reached, again at work. I placed the STOP PAYMENT on my account in the spring of 2018, yet Regions failed me twice, even after Regions suggested and issued a new debit card, failing to close out the old one. Again, I've lost {$74.00} at least three times, twice in XX/XX/2018 I believe, plus I lost the Regions STOP PAYMENT fee. I am an unsatisfied customer, and when situations permit, will be leaving and following up with continued complaints and reviews as hundreds of others I've heard from. I understand from the auto generated email of email being unsecured therefore, my account number ofcourse wasn't emailed, yet even after calling into the secured Regions XXXX customer service line talking with many Regions reps, still no success, this has been a continuous cycles of Regions giving me the run around and still MY MONEY IS GONE. I am again statng Regions needs to RESTORE MY FUNDS TO MY ACCOUNT. A solution must be met. Hide original message -- -- - Forwarded Message -- -- - From : XXXX XXXX XXXX To : XXXX XXXX ; Regions XXXX ; XXXX XXXX ; XXXX XXXX ; Regions XXXX ; Regions XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; Regions XXXX ; XXXX XXXX XXXX Sent : Monday, XX/XX/2018, XXXXXXXX XXXX CDT Subject : Fw : RE : Fw : Re : RE : Contact Us Personal Account Other << # XXXX # >> Hello. I already contacted Region Bank securely by phone several times. Please see reply message below from Regions Bank. XXXX XXXX XXXX Customer -- -- - Forwarded Message -- -- - From : Regions Bank Customer Service XXXX To : " XXXX '' XXXX Sent : Monday, XX/XX/2018, XXXX XXXX CDT Subject : RE : Fw : Re : RE : Contact Us Personal Account Other << # XXXX # >> XXXX XXXX, Thank you for your message. I'm so sorry to hear about any inconvenience you've experienced. I have documented your concerns and we would be glad to assist you. However, we must ask you to contact us securely. Security is very important to Regions. That is why we can not provide any account sensitive information through normal email. We can not vouch for the security of individual email providers. We have established a secure messaging system through Regions Online Banking that may be used to help customers. To ensure that we are able to provide you with the most accurate information, we ask that you contact us using this secure method. To send a secure message : Log into Online Banking. Select Email Us under Need Help on the right-hand side of the screen. Then select Compose. Select the type of inquiry from the drop down. The subject should be the reason for your email. Fill out any applicable details in the message box. Select send. We look forward to hearing from you again. Im sorry that there isnt more I can do for you through this unsecured email channel. If you dont have access to Online Banking, you can contact us securely by calling us at XXXXCall : XXXX ( XXXXCall : XXXX ) Monday through Friday XXXXXXXX XXXX to XXXX XXXX and Saturday XXXX XXXX to XXXXXXXX XXXX ( CT ). You may also visit any local branch for assistance. Have a great day! Regions Green Line is always here to help. If you have any other questions let us know. Call - Call us at XXXX ( XXXX ), Monday Friday, XXXX XXXX XXXXXXXX XXXX and Saturday XXXX XXXX XXXX XXXX ( CT ) Click - Simply respond to this message or email us securely through Regions.com Come in - Visit any local branch Thank you for banking with Regions. XXXX Regions values your privacy and security. To read our privacy and security policies, please visit our website. This message is for the named person 's use only. It may contain confidential, proprietary or legally privileged information. No confidentiality or privilege is waived or lost by any accidental transmission. If you receive this message in error, please immediately destroy it and notify the sender. You must not, directly or indirectly, use, disclose, distribute, print, or copy any part of this message if you are not the intended recipient. 2018 Regions Bank | Equal Housing Lender | Member FDIC XXXX XXXX -- - Original Message -- - From : " XXXX XXXX '' XXXX Received : XX/XX/18 XXXXXXXX XXXX CDT To : " XXXX '' XXXX, " XXXX '' XXXX, " XXXX '' XXXX, " XXXX XXXX XXXX, " Regions '' XXXX, " Regions '' XXXX, " Regions '' XXXX, " XXXX '' XXXX, " XXXX '' XXXX, " Regions '' XXXX, " XXXX XXXX '' XXXX Subject : Fw : Re : RE : Contact Us Personal Account Other [ External Content ] Please use caution. Hello. This is a long ongoing complaint I place with Regions Bank XXXX customer service number in XX/XX/2018, after paying Regions Bank STOP PAYMENT fee, to only many times still have the STOP PAYMENT failed by Regions, a second time because Regions Bank failed to, as stated and followed up Close Out old debit card, so atleast twice, maybe more, I loss {$74.00} bank draft and the Regions STOP PAYMENT fee, which failed me as a customer. I will keep following up complaints at all levels. I was even given a complaint reference number, yet everytime I follow up calling Regions customer service XXXX # no resolution or information is available. The customer service supervisor I spoke to was rude, and hung up on me. Something must be done, I trusted Regions Bank to hold and handle my money and Regions Bank failed to do their job in customer service, allowed and disallowed debits/drafts, closing old debit card after issue of new and following up as stated with Regions Bank that assured this would be solved, and honoring my Regions required STOP PAYMENT fee paid. I am again requesting my loss funds be restored by Regions and STOP PAYMENT fee be refunded. XXXX XXXX XXXX Regions Bank Customer XXXX -- -- - Forwarded Message -- -- - From : XXXX XXXX XXXX To : Regions Bank Customer Service XXXX ; Regions XXXX ; Regions XXXX ; Regions XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX Sent : Friday, XX/XX/2018, XXXX XXXX CDT Subject : Re : RE : Contact Us Personal Account Other RE : Regions Bank Customer STOP PAYMENT request did not go through on XX/XX/2018 XXXX XXXX XXXX To : XXXX XX/XX/XXXX at XXXX XXXX Dear XXXX, Lease ID : XXXX Thank you for completing your payment. Payment made on XXXX. Payment Summary : Amount {$69.00} Tax {$4.00} _________________________ Total {$74.00} Contact Us | Regions Contact Us | Regions Need assistance or have a question you want answered? Visit our FAQs page or Contact Regions Bank today. Hello. I received an email today, Friday, XX/XX/2018, a receipt of payment from XXXX XXXX when a few months ago, I called Regions Customer Service and requested, and was issued a STOP PAYMENT, with the STOP PAYMENT fee. I was told the STOP PAYMENT was good for so many months, and yet, an unwilling payment was made to XXXX XXXX from my personal Regions Bank Account. Assistance is needed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-23

Bedford, TX

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem with paying off the loan
Complaint: XX/XX/XXXX : We traded in a truck at XXXX XXXX. The dealership took possession of the truck and we drove away with new car leased from XXXX also made our first lease payment to XXXX that day. XXXX did not pay off the truck loan amount ( through Regions Bank for amount of {$33000.00} ) until XX/XX/XXXX ( 34 days late. ) This left a 30 day late mark on my credit score. I have never been late on any payments in my credit history and this incident dropped my score about 75 points. I have tried to dispute with XXXX and asked for forgiveness via phone and letter from Regions Bank to no avail multiple times. XXXX dealership will not return my calls.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-21

Discovery Bay, CA

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: My phone and wallet was stolen inside my wallet was my debit card multiple transactiOna I guess were made when I got a new phone and check my account it only had XXXX dollars I called the company ASAP to have my account closed when I called more transactions was made that day now there telling me I cant get my money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-20

Jefferson, LA

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 monetary relief

Timely Response

2018-07-20

Hialeah, 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

2018-07-19

Corpus Christi, TX

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

2018-07-18

Clearwater, 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

2018-07-18

Orchard Mines, IL

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: I bank with Regions, and recently, my debit card was somehow compromised. I think it may have been because of a skimmer, I just don't know where it would have been. On XX/XX/XXXX, I noticed multiple charges to my account that I did not make after checking my account balance because my debit card got declined. There was a cleared charge from XX/XX/XXXX from " XXXX XXXX '' in XXXX, IL for {$1.00}. XXXX XXXX seems to be a car wash vacuum from what I can tell, or something of that nature. There were also pending charges for XX/XX/XXXX from a XXXX XXXX store in XXXX, IL, as well as two charges to a XXXX 's store in XXXX, IL, and a water park called XXXX XXXX XXXX in XXXX XXXX, IN. I live in XXXX XXXX, IL, which is at least two hours away from the XXXX area that the cities of XXXX and XXXX are located in, and a similar distance from XXXX XXXX, IN. I live and work in XXXX XXXX, IL and have not been anywhere near these cities for quite some time ( and have actually never visited them even when I have been in that area ), so it would have been impossible for me to make these charges myself. When I noticed the charges, I immediately left work and went to my local Regions branch to see what I could do. I was told to wait until the pending charges cleared and to come back when that happened to file a claim against the charges for fraud. They did cancel and destroy my debit card at that time. The charges did not clear until I believe XX/XX/XXXX, and I was unable to get back to the branch until XX/XX/XXXX. On XX/XX/XXXX, I went into the branch and made the claim. I tried to also order a new debit card but because the charges had cleared out my account, my account was noted with a " soft close '' and was told I had to wait until my account was funded again to order a new debit card. I got paid via direct deposit on XX/XX/XXXX, and attempted again to order a new card, but was told my pay was still pending and the account would not show as opened again until it cleared. On XX/XX/XXXX I went back and the pay had cleared and my account was opened, so they ordered a new card. On XX/XX/XXXX, I received a letter from Regions detailing the charges I filed a claim against and that they would not be refunding me for the charges. Under each charge, the reason was, " Transaction verified with your card credentials. No report of card loss, theft or compromise. Transaction passed fraud analysis. '' I find this completely unacceptable, especially given my transaction history shows charges that I was, in fact, making myself in my home area when the fraudulent charges were also being made. On my statement, I've highlighted the fraudulent charges. On the statement, the XXXX XXXX charge ( {$1.00}, XXXX, IL ) is posted for XXXX. The XXXX XXXX charge ( {$23.00}, XXXX, IL ), the two XXXX 's charges ( {$21.00} and {$8.00}, XXXX, IL ), and the XXXX XXXX XXXX charge ( {$36.00}, XXXX XXXX, IN ) are posted for XXXX. On the letter I received from Regions, the XXXX XXXX charge is listed as XXXX, the XXXX XXXX XXXX and XXXX 's charges are listed as XXXX, and the XXXX XXXX charge is listed as XXXX. I will try to attach that was well if I am able.
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

2018-07-17

Spring, TX

Struggling to pay your loan

Vehicle loan or lease: Loan

Problem after you declared or threatened to declare bankruptcy
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-17

AR

Getting a loan or lease

Vehicle loan or lease: Loan

Changes in terms mid-deal or after closing
Complaint: I submitted a loan application with Regions Bank on XX/XX/XXXX. I was told everything was approved and they were just waiting on my payoff letter. I submitted that and we closed on XX/XX/XXXX with no mention from anyone that there was a difference in the loan amount and what payoff was. I signed under the impression everything was fine. On XX/XX/XXXX I received a letter from XXXX stating the payoff was short {$1600.00}. I pulled out my loan docs and the docs show the payoff amount being sent to XXXX as correct but my loan is a different amount. They did not mail the correct amount to XXXX and why is my loan amount different? My daughter reported the error to XXXX XXXX with Regions Bank in XXXX, the same day, XX/XX/XXXX and she stated the loan would have to be rekeyed and credit pulled again. I know XXXX and honestly believe thats what the underwriters at Regions told her. She would have fixed it if there was a way. I was not okay with them pulling my credit again when it was their error. My daughter then reached out to XXXX XXXX, Operations Mgr, who told my daughter that the branch mgr would call me on XX/XX/XXXX or XX/XX/XXXX at the latest with my options and I have yet to hear anything from them on how they are going to fix their error.
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

2018-07-16

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

2018-07-16

Lk Buena Vis, FL

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

2018-07-13

LA

Managing an account

Checking or savings account: Checking account

Fee problem
Complaint: On multiple occasions Regions Bank has allowed transactions to be authorized and post to our joint accounts despite being opted out of any form of overdraft coverage offered since opening my accounts. On the most recent occasion 2 fees were charged and were reversed only after complaining to the local branch. The employee confirmed that we were opted out of both forms of coverage that is offered, standard overdraft coverage and overdraft protection is how they are listed on the website, but said that we had not opted out of coverage for recurring charges. No where on their website, nor at any point when I have called or gone into a branch to speak to someone about this issue have I been told that there is some mysterious 3rd overdraft protection for recurring charges. I checked my online banking just to make absolutely sure that I was opted out of everything. After speaking with an employee on XX/XX/XXXX we were told that she opted us out of this recurring charge coverage. On XX/XX/XXXX, I received a confirmation email for opting out of standard overdraft coverage, something I can confirm I was already opted out of, but was told by the bank that it was something different. This also occurred on XX/XX/XXXX for an amount of {$2.00} which was then charged a {$36.00} fee. I have changed debit cards to make sure no recurring charges I did not authorize were allowed to continue but that did not help. After receiving this email about the standard coverage Im inclined to believe the employee made up this 3rd coverage she claimed exists as a way to excuse what was happening on my account. Regions has had to refund me before in XXXX because of this same issue and at that time I had assurances from an employee that I was opted out of everything, yet they still let it continue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-12

Cedar Grove, LA

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

Timely Response

2018-07-12

Cedar Grove, LA

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

Timely Response

2018-07-12

Cedar Grove, LA

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

Timely Response

2018-07-12

Austin, TX

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I am not sure if this rises to the status of a " complaint '' or not, but after I purchased my current home with a conventional mortgage from my local credit union ( XXXX XXXX XXXX XXXX in XXXX, XXXX ) in XX/XX/2012, my loan was then sold three times in the first year until it reached XXXX XXXX in XXXX XXXX . It has been there ever since. But when I tried to make payments every two weeks in order to reduce my total interest payments and shorten the duration of the mortgage ( a common financial strategy ), Regions would not credit any additional payments after the first one was made. Instead, Regions just " holds '' the money paid in any second payment that month in what it calls a " suspense account '' that only credits the money to my account when my next monthly payment is due. In essence, they prevent their customers from making more than one payment per month unless the second payment is at least as large as the total monthly payment. When I phoned their customer service department, I was told that this is their policy for all mortgages and there is nothing I can do about it. I realize this might be legal for them to do, EXCEPT that the terms of my original loan with XXXX did not contain any such limitation. My understanding is that loans can be sold as long as the original terms of the mortgage are still upheld ( interest rate, monthly payment amount, etc. ). So if my original mortgage holder allowed more than one payment per month and immediately credited my payments, shouldn't the same be true of any subsequent mortgage company that my loan is sold to? Thank you.
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

2018-07-11

Smyrna, GA

Incorrect information on your report

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

Account information 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

2018-07-11

Key Biscayne, FL

Trouble using your card

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

Can't use card to make purchases
Complaint: I have a XXXX card with XXXX XXXX. I paid my account on time and I also linked my bank account to my account. They suspected fraud on my account I called and verify myself no answer spoke to customer service rep they told me they was waiting for my payment to post, my payment posted ( XXXX XX/XX/2018 XXXX XXXX XXXX ( ending with XXXX ) Online Payment $ XXXX ). They told me they will forward it to so many departments. They block my card, I have no access to my card and I have to make biweekly payments to them. The fraud dept told the customer rep to black list me because of fraud. I applied for this card and had this card for over two months and paid on time and out of air the fraud department said I am a fraudelent person.
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

2018-07-11

Eight Mile, AL

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: My complaint is with Regions. I kept getting overdraft fees for the same purchase and return item fees. XXXX I had 3 fees and XXXX I had 9 fees. Just those 2 months totaled {$570.00}. Messaged and called Regions several times to resolve this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response