REGIONS FINANCIAL CORPORATION

2018-06-05

Emory Gap, TN

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 monetary relief

Timely Response

2018-06-05

Carson, MS

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Can't stop withdrawals from your account
Complaint: Regions Bank has repeatedly charged overdraft fees for charges that are pending and have not been drafted from my account. I am attaching a screenshot of my account. I had a balance in my account and several pending charges that had not cleared my account yet. An overdraft charge was charged to my account which resulted in a negative balance. The money is there for the pending charges, so I was charged an overdraft fee for charges that could possibly result in an overdraft but have not cleared the account or been charged to the account yet. I don't feel overdraft fees should be charged until pending items have actually cleared or posted to the 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

2018-06-04

Bloomfield, MO

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: I had numerous unauthorized charges to my debit card. As soon as I learned of these charges ( received bank statement in the mail ), I reported my card missing or stolen and the next day ( XX/XX/XXXX ) went to the Regions Bank in XXXX, Missouri. XXXX XXXX XXXX XXXX took all my information, completed the required paperwork, assigned case # XXXX, took my debit card and destroyed it. XXXX XXXX told me not to worry and that I should start to get my money put back into my account within 3-5 business days. On XX/XX/XXXX, I received a letter from Regions Bank stating that based on their investigation, they were not giving me credit for any of the unauthorized charges. I do not believe that Regions Bank did any investigation because if they had done an investigation, they would have learned, as I did, that the person who made these unauthorized charges was a female named XXXX XXXX, previous address unknown. XXXX is a known XXXX addict in the XXXX XXXX area, and used my account number written on a piece of paper to make the charges. On XX/XX/XXXX, XXXX was arrested and sent to the Missouri Department of Corrections in XXXX Missouri. for unrelated charges. I did not give this lady my debit card information, did not know where she lived, did not benefit from any of the items she illegally received, did not make any of the purchases, did not know of the purchases until I received my bank statement, and do not know anything more about these transactions. I am not at fault! Another problem with Regions Bank is when XXXX made these transactions, it threw my account into over draft protection which I have a {$500.00} limit. Instead of stopping all transactions at the {$500.00} point, Regions allowed transactions to continue which resulted in over {$800.00} in over draft charges. Regions should have stopped the transactions at the {$500.00} point.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-06-04

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

2018-06-04

Dunnellon, FL

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

2018-06-04

Fort Walton Beach, FL

Managing an account

Checking or savings account: Savings 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 monetary relief

Timely Response

2018-06-03

AL

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Home equity loan or line of credit (HELOC)

Complaint: I applied for a home equity loan with Regions Bank XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX dollars and was turn down. I was given no understandable reason, I asked for the reason in writing. Which I have not received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-06-02

Shreveport, LA

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
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

2018-06-02

TN

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: On XX/XX/XXXX my card was misplaced, the next day ( XX/XX/XXXX ) someone removed XXXX from my account which made it under. The very next day ( XX/XX/XXXX ) another transaction for {$100.00} was once again withdrawn from my account. Once i found out my bank was under on the XX/XX/XXXX due to me being locked out my app. I filed a claim Saturday XX/XX/XXXX about both withdrawal and was told to contact the bank Tuesday but to the holidays on Monday XX/XX/XXXX. Come Tuesday XX/XX/XXXX i was told there was no information provided. So Friday XX/XX/XXXX, i go to Regions Bank to get a new card and was told my claim was denied due to my pin being used, i received no call or email. I informed then that i write my pin on my card so i wont forget it which i know im not the only person who does that. But i felt they were basically saying oh well keep up with your stuff and your money wont get taken. People lose their bank cards daily and dont be knowing it but we get faulted for it. Not fair, what should i do?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-06-01

Homosassa Spg, FL

Other features, terms, or problems

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

Other problem
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

2018-06-01

Atlanta, GA

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 explanation

Timely Response

2018-06-01

Jacksonville, 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

2018-05-31

West Memphis, AR

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

2018-05-31

Lathrup Village, MI

Other features, terms, or problems

Credit card or prepaid card: Store credit card

Problem with customer service
Complaint: In XX/XX/XXXX I signed up with XXXX XXXX with XXXX XXXX during that time I provided my XXXX XXXX XXXX XXXX number XXXX and I was informed by XXXX XXXX that my history will report every month to XXXX XXXX XXXX XXXX and informed me about my saving at the pump how I would get XXXX cents off at the pump at the pump and how I ca increase my credit line in so forth. Around XX/XX/XXXX XXXX XXXX contacted me asked me to make a big purchase on credit card because the company was doing some type of analyst and that I would want that to report on my credit report. I confirmed my XXXX XXXX XXXX XXXX number once again with XXXX XXXX and informed and couldnt make a purchase if I didnt need too. XX/XX/XXXX come around I find out my history has never been reported to XXXX XXXX XXXX XXXX. I contact the credit department XXXX they state it was nothing that they could do and to contact XXXX XXXX XXXX XXXX. I contact XXXX XXXX XXXX XXXX and they informed that the company can got back and report up to 12 months I informed the credit department of the information XXXX XXXX XXXX had just mad me aware of. They informed me that they will not go back and report it XXXX XXXX XXXX XXXX had to fix it the problem abut that will report from that day forward. I also contacted my rep XXXX XXXX. I asked XXXX XXXX what happened where was the ball dropped at, XXXX XXXX stated that my XXXX XXXX XXXX XXXX number was on file and it should have been reporting. XX/XX/XXXXI call XXXX XXXX back to inquiry about XX/XX/XXXX XXXX XXXX and to find out what was the extra charge I keep getting charged every month and it keeps going up and Im asking him to explain the bill. He states its a late charge and he hasnt heard anything back from the credit department as of this point and for me to contact them again and to contact customer service regarding my bill. XX/XX/XXXX, I contacted customer service again regarding the strange charge. Customer service finally informs me that the strange charge is an out of network fee and that every time I use another brand other then XXXX I have to pay {$2.00}. Im like wow I was never disclosed this information prior to signing up for the account or during my lifetime of the account until that day. I call XXXX XXXX immediately and asked him about the out of network fee and why did not inform me. XXXX XXXX states that he was not aware of the charge. I asked XXXX XXXX how is he selling a product you know nothing about then I went to inquiry about my XXXX XXXX XXXX XXXX XXXX and he had no answers. I gave XXXX XXXX more than enough time to resolve this issue. He has refused to response to my inquiry and refund me. XXXX XXXX has refuse me contact information of his superiors as well. Since XX/XX/XXXX I have been getting charged fXXXX XXXX in the amount of {$9.00}. On XXXX I received 2x charges for XXXX XXXX. XXXX XXXX refund {$110.00}. Out of network fee since XX/XX/XXXX in the amount of {$180.00}. Miscellaneous fee XXXX for XXXX. Total due back to me is {$310.00} and I would like company to go back and report to XXXX XXXX XXXX XXXX like I was promised 3x.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-31

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

2018-05-30

Riverdale, GA

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 non-monetary relief

Timely Response

2018-05-29

Venice, 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

2018-05-26

Atl, 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 explanation

Timely Response

2018-05-26

Charlotte, NC

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 noticed my balance went down in my bank account, so I logged in online to see what happened. To my surprising I found out XXXX XXXX took {$440.00} for ETF from my checking account without my AUTHORIZATION! And then it was almost a year later since I had them. I cancelled auto pay with them a week after having them because bill came a week later saying due in a couple of days. If not mistaking I cancelled auto pay XX/XX/XXXX, after me logging on and finding out this information for my records i was able to see I signed up for XXXX XX/XX/XXXX. I never signed a contract. They sent me a copy to my email, that they never had on file until recently, ill say a week ago that i gave them to send a copy of contarct. When i fianlly gotten it, it was forged signature saying I signed it and I didn't! I even fax in a bunch of copies of my signatures going back from XXXX, to show my signatures never change! The bank is no help either. The bank say because now the signatures don't match XXXX says it's a legal matter! I ask for money back from XXXX, XXXX said no, because I signed contract. Again I didn't and cancell auto pay a week later. Also XXXX closed my account and placed for collections XX/XX/XXXX but on my credit report it shows XXXX and this account has been closed close to a year now! And then on credit report it shows {$750.00}. So they had that on there whole time not including the {$440.00} they took out my account on XX/XX/XXXX. Because on one credit report they have {$1100.00} and then experian {$770.00}. And its still like that now! I need help getting justice from this company! In having this issue with them I just seeing this is an ongoing issue with this company and something needs to be done about this!
Company Response: Closed with explanation

Timely Response

2018-05-24

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

2018-05-24

Atl, GA

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 monetary relief

Timely Response

2018-05-24

IN

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: I bank with Regions Bank. I made a mortgage payment on XX/XX/XXXX. This was a Thursday. The payment became a pending transaction on I believe Saturday XX/XX/XXXX. The payment posted on Monday XX/XX/XXXX. Sometime there after, some small debit card transactions overdrafted my account, even though I opted out of overdraft protection. By opting out of overdraft protection, my debit card is supposed to decline transactions without an available balance. On Tuesday XX/XX/XXXX, I recieved an email about my account being overdrafted. On my lunch break at work, I drove to the bank and deposited XXXX dollars cash with a teller inside the bank which was enough to cover the XXXX dollars and some change negetive balance. The bank teller said she could not explain how my account became overdrafted because I opted out of overdraft protection. She also said I would incur no fees and asked about transactions related to my account, none of those transactions being my mortgage payment, im assuming because it had already posted. She gave me her card and told me to call her if there were any issues and that she did not think and was pretty positive Id incur no fees. She printed off my statement. So, on Wednesday XX/XX/XXXX, I checked my account to see my mortgage payment returned and a returned item fee for the returned transaction. That same day, I contacted my morgtage servicer and they had not recieved a returned payment notice. My mortgage servicer is XXXX XXXX XXXX. I find the timing of this to be very suspicious, as I am behind on my mortgage and have until XX/XX/XXXX to pay past due balance or the bank will start the forclosure process. Now, I dont know how to make my mortgage payment. I dont know if I should make 2 payments or 1. I dont if the my mortgage servicer will attempt to make that payment again and I will not have enough money in my account to make 3 mortgage payments in 2 transactions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-23

Bethlehem, GA

Managing an account

Checking or savings account: Checking account

Problem making or receiving 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

2018-05-22

Shalimar, FL

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: Signed up for over draft protection through regions agreeing to {$36.00} over draft charge but recently over drawn account and was charged {$100.00}. I contacted Regions about the unfair over draft charge and was told thats how its going to be and it can not be refunded. Im very upset about this and will be closing my account through Regions.
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

2018-05-21

Sandy Hook, CT

Trouble using the card

Credit card or prepaid card: Payroll card

Problem using the card to withdraw money from an ATM
Complaint: I am a new employee of a non-profit and was issued a card through Comdata for my initial paycheck, as the direct deposit process had not been completed by my employer by the end of my first pay period. On Friday, XX/XX/2018, I attempted to withdraw the sum of {$500.00} from the ATM at XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, CT using the Comdata card provided to me. Though the ATM printed a receipt for {$500.00}, the funds were never dispensed, and the ATM displayed an error on the screen. Upon speaking to the manager at the XXXX XXXX branch, I was advised that I needed to contact Comdata to work it out with them. I immediately contacted Comdata and was connected to a customer service representative. I was advised that a complaint 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 Comdata again to check on the status of my complaint. I was told that nothing would be resolved for 21 business days, as an investigation needed to be launched. I waited 21 business days and on XX/XX/2018, I contacted Comdata again. I was provided a case number ( # XXXX ) and was told that I had to write to them to get any additional information, which I did. Though I can appreciate that investigations take time, 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 matter. I need some assistance to get my payroll funds back to me immediately. Comdata is located at XXXX XXXX XXXX, XXXX, TN 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