REGIONS FINANCIAL CORPORATION

2018-07-11

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

2018-07-10

Cordova, TN

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: I looked at my account with Regions Bank on XX/XX/18 and saw that 3 charges not authorized by me were pending. I called the companies listed and they agreed since the charges were not initiated by me and were still in pre-authorization status to cancel the transactions. However, during this time regions charged me 3 NSF fees for transactions that cleared while the others were still pending. I understand once things are pending the money is on hold however once I notified Regions of the transaction and my working with the other companies to clear them out they refuse to do anything about the NSF fees never mind the transactions that appeared were not authorized to begin with. Also Regions has said that the a couple of transactions were pending with the fraudulent charges and that's why these 3 were charged since the others already accounted for money on hold. However when the authorized charges went through that were pending they charged me with NSF again. How can something already have a hold on money and make other things go over then turn around and go over themselves?? No help from Regions in this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-09

Land O Lakes, FL

Closing on a 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

2018-07-08

LA

Incorrect information on your report

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

Information belongs to someone else
Complaint: I was involved in an Inquiry Issue with XXXX and the Inquiries don't belong to 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

2018-07-06

Santa Rsa Bch, FL

Struggling to pay mortgage

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 explanation

Timely Response

2018-07-05

Closing an account

Checking or savings account: Other banking product or service

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 explanation

Timely Response

2018-07-02

Huntsville, AL

Incorrect information on your report

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

Information belongs to someone else
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

2018-07-02

Plymouth, FL

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

2018-07-02

Jackson, MS

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

2018-06-29

Land O' Lakes, 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 monetary relief

Timely Response

2018-06-29

Clayton, MO

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

2018-06-29

Buford, 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 explanation

Timely Response

2018-06-29

Randolph, AL

Managing an account

Checking or savings account: Other banking product or service

Funds not handled or disbursed as instructed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-06-29

TN

Managing an account

Checking or savings account: Checking account

Fee problem
Complaint: On XX/XX/2018 I made several small purchases using my debit card. The next day I checked my account and they had charged me XXXX in OD charges. On XX/XX/XXXX after trying to resolve this myself I went to the bank and they refunded XXXX of OD charges. On the same day I locked my account and reported to them that some charges were unauthorized on XXXX, XXXX and XXXX but that didnt stop them. To my knowledge they have stolen over XXXX from me. I am on Social Security and I am worried about my check that will be deposited on XX/XX/XXXX. I dont know where to begin but these people need to be stopped.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-06-28

Chattanooga, TN

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 monetary relief

Timely Response

2018-06-27

Bossier City, LA

Managing an account

Checking or savings account: Other banking product or service

Cashing a 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

2018-06-27

Klein, TX

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

2018-06-26

Chicago, IL

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 non-monetary relief

Timely Response

2018-06-25

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-06-25

Sebring, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: In XX/XX/XXXX after XXXX County Florida was declared a natural disaster from Hurricane Irma we reached out to our Mortgage Company XXXX XXXX to see what our options were as were not sure to the extent of the damages and how much it would cost us. I called XXXX XXXX and spoke to Representative XXXX and she stated that the Forbearance would be for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no late charges and payment would begin back in XX/XX/XXXX. We also at that time would have to make a decision ( in XX/XX/XXXX ) to do a payment modification on months in forbearance or pay those months back that was in forbearance ; per conversation with Representative XXXX. On XX/XX/XXXX we received a letter from XXXX XXXX confirming the forbearance for Hurricane Irma. We paid {$3500.00} on XX/XX/XXXX with customer service Rep confirmation # XXXX as we no longer needed the forbearance and didn't use that mortgage payment money therefore we simply paid the months that were in forbearance. On XX/XX/XXXX we received a post in the mail dated XX/XX/XXXX from XXXX XXXX stating they have reported us late to the credit bureau about a late or missed payment. I called on XX/XX/XXXX at XXXX spoke to XXXX a customer service representative asking what payment was late. He stated XX/XX/XXXX on. I told him we were in forbearance at the time due to hurricane Irma and he confirmed this, apologized, stated their mistake and would research it and get back with me. That was two weeks ago, I still have no response from the mortgage company or that our credit reports were fixed.
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

2018-06-25

Denham Spgs, LA

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: On XX/XX/2018 I realized that I had a debit that was pending that would cause my account to be negative it showed the account was negative XXXX all other transactions were already pending and had been deducted from my balance. Within minutes of realizing this I immediately transferred funds from another regions account to put my account back into the positive and actually made sure I had at least XXXX or more so I didn't have a lose balance. Regions has said on many occasions that transactions are posted at midnight this was XXXX when all this took place so there was plenty of money to cover the negative XXXX. At midnight on the XXXX the account was not in the negative it had money to cover everything but I was still charged an overdraft fee on the XXXX now what is the point of having another account to transfer money from if your still going to charge an overdraft fee even though the money was in the account? This makes no sense there is no point in offering transfers if it does no good and regions still takes what they want anyway. I've read over XXXX complaints for this exact thing happening with regions at what point is the scamming going to stop. I'm to the point that it maybe time to find a more honest bank who conducts business the honest way. This isn't the first time this has happened after the last I told my wife I would handle all banking just to see for myself what was going and was appauled to see that they are actually doing this to customers.
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

2018-06-25

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

2018-06-25

Jacksonville, 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 monetary relief

Timely Response

2018-06-22

Oxford, GA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: On XX/XX/XXXX I have received a Annual Escrow Account Disclosure Statement, which I normally receive in XX/XX/XXXX of each, it stated I have Escrow shortage. I called Regions as I know I pay monthy and send extra funds to be applied to my Principal and extra to my Escrow account every month to be sure there is always enough money in my account to cover my taxes and Insurance. I have had a shortage in past due to my home value going up. Last XX/XX/XXXX I received a check for {$730.00} from Regions and when I call I was assured that my taxes and insurance were both paid for the year that the {$730.00} was extra funds which they could not keep on my account. I spoke to Supervisor XXXX who states there had been a mistake Regions were suppose to make TWO payments to XXXX XXXX but instead only paid the one. I inquired why I was just being notified and she stated she was not sure. I also noted that the extra funds I had been sending in was not being applied to my Principal and Escrow as I requested on their payment coupons they send me monthly. I have been trying to work with Regions to get this resolved but they do not return phone calls when promised and I have to keep calling. Most recently I spoke to a supervisors XXXX, supervisor XXXX on XX/XX/XXXX, and she promised that she would make sure the matter is resolved and my account is corrected and she promised to be in touch with my by XX/XX/XXXX. I have not heard anything back. Except I have received several letter stating that they are still working on the matter and would be back with me soon, signed by XXXX. Those are not attached as I left them at home but I did save them. NOW, I received a Mortgage Statement dated XXXX that shows a supposed {$410.00} Delinquent amount with a threating statement about foreclosure. And it shows where they have been moving funds around on my account. I received another statement the same day, dated XX/XX/XXXX that shows the amount of my payment that is due for XXXX as {$750.00}. I am VERY upset. I have paid more the minimal amount on my statements every month, so how can I be behind. This is Regions error and I feel they are failing to admit their mistake and correct the error on my account and making things worst by not communicating. I have requested a copy of my loan payment and ledger be sent to me and a call or face to face to discuss and resolve the matter, neither which had happened. PLEASE I NEED HELP TO RESOLVE. Lastly, I have excellent credit and I want something in writing from Regions that their false claim of me being delinquent has NOT AND WILL NOT FASLY BE REPORTED TO THE CREDIT BUREAUS. Please see all the attached documents. Feel free to contact me anytime.
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

2018-06-20

Cedar Grove, LA

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Money was taken from your account on the wrong day or for the wrong amount
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response