REGIONS FINANCIAL CORPORATION

2018-05-21

Montevallo, AL

Communication tactics

Debt collection: Auto debt

Frequent or repeated calls
Complaint: XXXX XXXX HAVE BEEN CALLING MY BUSINESS PHONE REGARDING A FALSE IMPORTANT MATTER. I HAVE NO CONTRACT WITH THIS COMPANY AND THEY NEED TO STOP CALLING MY BUSINESS PHONE. THEY HAVE CALLED NUMEROUS OF TIMES FROM DIFFERENT NUMBERS. I HAVE NOT RECEIVED ANY NOTICES IN THE MAIL REGARDING ANY IMPORTANT MATTER FROM THIS COMPANY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-18

Lenzburg, 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 explanation

Timely Response

2018-05-17

Simi Valley, CA

Problem when making payments

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

Problem during payment process
Complaint: On XX/XX/XXXX I paid a XXXX statement on the Regions website, as Ive done for the past several years. Apparently their website rejected the payment, and my next statement showed an ACH return ( there are plenty of funds in the checking account that was used to pay it, so there shouldnt have been a problem ). This also was reported to the credit reporting agencies and my credit rating took a huge hit. On XX/XX/XXXX I called their Customer Service number, and spoke with a XXXX in XXXX ( confirmation # XXXX ). He said that the routing number for my checking account bank had changed on their website ( but I confirmed that it hadnt ). He said that he was going to re-submit the payment and that should take care of it. I was also told that the collection phone calls would stop, but they continue - and that they were going to investigate this and send me a letter, but that hasnt happened either. Apparently re-submitting the payment didnt work, because its still showing as outstanding on my current statement, and last week I got a notice from my credit monitoring services that the account had been closed. I called last week and escalated this to a supervisor, but she wasnt any help either. And on Monday XX/XX/XXXX I e-mailed the two people in their Office of Customer Satisfaction, with a CC to the president of the company ( O.B. XXXX XXXX, XXXX ), but didnt get a response from any of them. Thanks in advance or any help in resolving this situation.
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

2018-05-17

Jackson, TN

Closing an account

Checking or savings account: Checking account

Company closed 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

2018-05-16

Saint Louis, MO

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

2018-05-15

Saint Petersburg, 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 monetary relief

Timely Response

2018-05-11

Fairfax, VA

Struggling to pay 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

2018-05-11

Oxford, GA

Closing an account

Checking or savings account: Savings account

Can't close your account
Complaint: I am the sole, legal representative of my deceased mother 's estate. My mother died on XX/XX/XXXX. I submitted a death certificate, XXXX, a copy of her WILL, and all of the XXXX XXXX XXXX XXXX 's documentation that the WILL had been properly probated and is closed. I am also the co-owner on her checking account. The branch lost my paperwork. I resubmitted paperwork on XX/XX/XXXX to Regions Bank, XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The branch refuses to release funds or change the name legally on my account and has illegally locked my account. Instead of acknowledging their mistakes, they are requiring me to reopen the estate, despite having a all legal documentation. This bank has done nothing to resolve the issue. I am afraid this could happen to other consumers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-11

Cape Coral, 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 non-monetary relief

Timely Response

2018-05-10

Deland, FL

Incorrect information on your report

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

2018-05-10

Boloxi, MS

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: PROBLEM 1 : XX/XX/XXXX - I spoke to a Regions representative from the Regions Everyday Customer Service Line. I advised her that I had made several purchases since Thursday XX/XX/XXXX to Sunday XX/XX/XXXX. I kept record for every transaction. When I checked my mobile app before calling her it said I had {$2.00}. Which is true, that should have been the ending balance to cover all transactions. I realized Monday that I had forgot to pay my XXXX XXXX XXXX cable bill and they suspended my services. I knew I got direct deposit so I decided to pay using my overdraft protection since I was opt in and cover the the amount of {$120.00}?? plus {$36.00} when my direct deposit hit. I had money in two other Regions account that could have covered the cable bill, but I want that money on hand in case an emergency arose before direct deposit payday. Before I paid XXXX XXXX XXXX I called and the Representative advised me that my balance was {$2.00} and all transactions were pending and accounted for. SO THAT IS THE ONLY REASON I PAID THE XXXX XXXX XXXX BILL BECAUSE I WAS LED TO BELIEVE THAT THAT WAS THE ONLY TRANSACTION THAT WILL HAVE A NSF FEE. I woke up the next morning to XX/XX/XXXX to $ -XXXX.???? PROBLEM 2 : i immediatley called the everyday banking number and got a Rep on the line after to explaining my side. She advised me when I paid the XXXX XXXX XXXX bill all the other transactions before that went into overdraft mode. I requested a Manager. She said she will give message and to watch my account at the end of the day to see if it had been and adjusted and credited. If not, there is nothing they can do for me. I called the number again and demanded a Supervisor. I got one on the phone and he only adjusted {$36.00}. PROBLEM 3 : While he adjusted the {$36.00} he failed to let me know I needed to cover the negative balance in my account because once the XXXX XXXX XXXX and XXXX XXXX go through it will add more overdraft fees. I would have done that if I knew to being as though I had money in other accounts to cover this. The result of him not informing me let me to wake up to a $ -XX/XX/XXXX.?? balance. I called the everyday line again demanded to speak with another Supervisor who tried to INFORM ME OF REGULATIONS, BUT THAT IS A LITTLE TO LATE THE PREVIOUS EMPLOYEES DID NOT. THEY ARE THE REASONS MY ACCOUNT IS OVERDRAFT MORE THAN IT SHOULD BE!!!!!!!!!!! I AM XXXX AND I WANT TO CHANGE BANKS. AND I WANT MY ACCOUNT ADJUSTED TO THE $ - XX/XX/XXXX PLUS $ XX/XX/XXXX= $ -XX/XX/XXXXNOT $ -XX/XX/XXXX.?? My account was unfairly handled, mishandled, and robbery of obsessive nsf funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-10

Albuquerque, NM

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

2018-05-07

FL

Closing an account

Checking or savings account: Checking account

Fees charged for closing account
Complaint: Regions bank have created a record on our company that has made almost impossible to apply for a new bank account. We had been with Regions Bank for around 12 years and two years ago we decided to move elsewhere since they were manipulation our deposits so to create lots of fees for themselves. After we had the account closed they went ahead and file a complaint through some sort of XXXX XXXX XXXX saying that we owed them {$530.00}. We have asked them for the transaction and have had nothing but rudeness and bad faith attitude with us. We tried to go to the Federal Reserve of XXXX where this part of the banking system have sent a response letter to us with no signature no name or reference number and would never pick up their telephone calls. Region will tell you that they have already sent us the transaction while in fact its just a typed letter by telling how much we owe them. XXXX XXXX XXXX was the one who promised the official transcript to us and when I tried to call she was no longer with the 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

2018-05-07

Hialeah, FL

Improper use of your report

Vehicle loan or lease: Loan

Credit inquiries on your report that you don't recognize
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

2018-05-03

Memphis, TN

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: Paid account off with Regions. Now months later they are charging me a {$50.00} fee plus late charges on a paid account with no credit available. Account should be closed but they continue to keep it open.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-05-03

Montevallo, AL

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-05-03

Lewisville, TX

Managing an account

Checking or savings account: Checking account

Fee problem
Complaint: To whom it may concern, Over the past few months since the account was opened in XX/XX/XXXX. Regions has not only charged me over {$180.00} in overdraft fees caused by disputes they refuse to actually investigate. The bank also refuses to refund the fraud that occurred in XX/XX/XXXX and XX/XX/2018. I noticed these fraudulent charges on that were multiple duplicates for XXXX XXXX, A XXXX XXXX Bank ATM withdraw for {$400.00} and several other charges including one for XXXX. These charges all occurred after I lost my card, and then it was stolen. I locked it promptly. Called up their XXXX number, was told by the customer service agent, and the manager that they cant assist over the phone. Even though I explained in detail. After this I got online sent a secure message which took them two weeks to respond. I signed an affidavit. They never even investigated. Never placed temporary credits. Regions then proceeds to tell me that I authorized all of these. When I called to ask for proof because I know I did not, they said send them a police report or there is nothing they can do. This is crazy. XXXX XXXX would have gotten on top of the fraud and refunded me. Regions didnt even attempt to investigate and instead just assumes I should be liable. This is very upsetting and I have tried contacting them numerous times without resolution. Second issue is I have noticed this month a couple of charges keep appearing twice. I have notified them of this as well to submit a dispute. They also refuse to investigate 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

2018-05-02

Athens, 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

2018-04-28

Alpharetta, GA

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

2018-04-27

Memphis, TN

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: I requested a mortgage modification with XXXX XXXX, the modification request has been processed and I received the documents for the Trial period Loss Mitigation option. The modification documents have my ex-wife name on them and they are also requiring her signature, XXXX XXXX was Quit claim deed off the property XX/XX/2016. The mortgage loan was obtained in my name only. I can't sign these documents because they are incorrect and they include her name. If my ex-wife signs these documents it will add her to the mortgage loan and Title, Regions will record the modification agreement adding her name to they are of which of which she wasn't ever on the 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

2018-04-26

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

2018-04-25

FL

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: I opened an account with Regions Bank XX/XX/XXXX, after taking my time considering what bank to bank with. Regions was offering a new account incentive. So I went ahead and choose to open an account online. As I was opening this account I was also chatting with a Regions representative, that was very helpful. During this process I advised the chat rep that it was not giving me an email verification that he stated would to get the offer. I was being taken to another tab and the window wasn't opening. I screen shot this and printed it. He then advised me to not to worry, that I would have to go into the Branch to finish the new account to print the convo and explain, the branch would be better to help assist. So I did this, I also had to go thru 3 days of verification for them to approve me new account, I honestly found this frustrating. Upon completing this I gave the convo to the bank rep and explained what happen, she advised she would send this over to the lady who is verifying my account and speak with branch manager and let me know. I have been doing this since XX/XX/XXXX. The rep who helped with me at the Branch is named XXXX, XXXX branch in XXXX XXXX, Fl. I asked for info and update on the promo she asked me if is did steps I stated yes and she never responded back to me. I stepped into the Branch last week and was advised to call the XXXX #, I did. I was advised by two people that I have met all the verifications and steps needed and transferred me to a department to see where this promo was and when should I receive it. I then spoke to XXXX, very nice person. She saw everything to but was unable to see the verification code, I explained to her what happen, she advised this should be simple and she would reach out to the branch and for me to follow up. I followed up XX/XX/XXXX and spoke with a gentleman and explained to him everything and he read notes to then tell me verification code could not be verified so unable to process due to marketing. I said are you kidding me, went on to explain I have been dealing with this since XX/XX/XXXX and I did everything I was told to come to this. I even said at the Branch to XXXX if there is going to be a problem do not finish the new account, start over so I don't miss out on the promo, for her to say no its fine there should be no issue. Now the issue I miss out on an offer because no one took the time to make sure I wouldn't. I then went on to why offer something that Regions is not going to own up to, was there even a promo. He stated I presented something from last XX/XX/XXXX and he see where I also couldn't get the verification code for the new offer XX/XX/XXXX. I said that rights, XX/XX/XXXXwas expired since XX/XX/XXXX, cant use that. XX/XX/XXXX is good till XX/XX/XXXX, please fix this, and he couldn't. So I am disappointed that I have gone this long and no one can help. I met all the points to get this and was open about the issue I had opening this account from the beginning. I am requesting to have this looked at and respectfully honor the promo I was suppose to receive. If this cant be done, I may close my account, as this makes me feel Regions doesn't not do quality business.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-04-25

Country Club Hills, MO

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
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

2018-04-25

Euclid, OH

Applying for a mortgage

Mortgage: Other type of mortgage

Complaint: Regions Bank : On XX/XX/XXXX I inquired by phone if physician mortgage program existed at Regions bank in state of Utah. The loan officer assured me it was and went over the program details. I provided my personal information for application. The loan officer did not return my call on XX/XX/XXXX. After again reaching out to the bank on Mon. XX/XX/XXXX the same loan officer, after pulling my credit informed me that the program discussed, and authorized for credit check, does in fact not exist. Was told I could not speak to a manager.
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

2018-04-24

New Port Richey, FL

Trouble during payment process

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 non-monetary relief

Timely Response