REGIONS FINANCIAL CORPORATION

2018-03-26

Eight Mile, AL

Managing an account

Checking or savings account: Other banking product or service

Problem accessing account
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

2018-03-26

Problem caused by your funds being low

Checking or savings account: Checking account

Bounced checks or returned 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

2018-03-24

Houston, TX

Trouble during payment process

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

2018-03-23

Jackson, TN

Applying for a mortgage or refinancing an existing 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

2018-03-23

Brentwood, TN

Incorrect information on your report

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

Account information incorrect
Complaint: The following information Regions Bank is reporting on my credit report is false and inaccurate. 1. XXXX is reporting that the account is a Delinquent Account on Date reported XX/XX/XXXX. This is not correct. My Chapter XXXX Bankruptcy was Discharged on XX/XX/XXXX. 2. XXXX is reporting the account Condition as Derogatory. This is not correct. and the account condition is PAID. 3. XXXX is reporting the account Status as in a Wage Earner Plan. This is not correct. This account is closed so how can the account be in a Payment Plan? 4. This account is not in Chapter XXXX Bankruptcy. XXXX must only report the current condition of the 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

2018-03-22

Odell, OR

Managing an account

Checking or savings account: Checking account

Fee problem
Complaint: Regions has processed debit payments prior to pending electronic check payments. Charged my account a fee claiming insufficient funds after a cash deposit prior to a return on said electronic check. There was no return prior to cash deposit. The payee company has NO returned electronic check as of right now. Regions is taking unlawful fees from customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-22

Miami, 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 monetary relief

Timely Response

2018-03-22

Villa Rica, GA

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

2018-03-21

Knoxville, TN

Opening an account

Checking or savings account: Other banking product or service

Didn't receive terms that were advertised
Complaint: On XX/XX/XXXX I signed up for a {$200.00} reward through Regions for opening a new checking account. I could not open the account online and therefore had to go into a branch. On XX/XX/XXXX, I met with XXXX XXXX XXXX to open the account. I provided her a copy of the email and she opened the account. I recall her making a comment about the email having to match the offer. On XX/XX/XXXX I received an alert email from Regions that a change to my email address or telephone number occurred- this was the exact same day the new account was opened. I met all of the qualifications for receiving the {$200.00} as of XX/XX/XXXX. On XX/XX/XXXX I asked about the reward. I was told it could take up to 120 days. I continued asking about this reward until XX/XX/XXXX. I asked several different Regions representatives in person ( see business cards ) and by telephone. I had other issues with the account so each time I discussed the other issues, Id also ask about the Reward. All of these representatives stated that I had to continue waiting, that I would receive the reward, but that it could take the full 120 days. Even XXXX XXXX in XXXX told me this keep waiting, you will receive it. On XX/XX/XXXX however, XXXX XXXX wrote me an email stating that not only was Regions Bank not going to process nor approve my disputed claim regarding a charge for {$330.00}, the Bank also would not be honoring the {$200.00} Reward. He stated this was because the email address I registered with was changed before the incentive payout happened and thatthe terms stated the customer email address must remain unchanged until payout. ( see his emails ) I advised XXXX that I did not change the email address. In fact, the person who opened the account on XX/XX/XXXX would be responsible for the email address information matching-XXXX XXXX XXXX. Ironically I mentioned to XXXX the final time I was in the XXXX branch that I wanted to meet with XXXX but she ran out the back door and in fact every time I came into that branch, she refused to help me. In my short time with Regions Bank, they have refused to file and honor my claim dispute for {$330.00} and NOW they are rescinding their words, their offer for the {$200.00} Reward.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-21

Phenix City, 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

2018-03-21

Doral, FL

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

2018-03-19

Canton, GA

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

2018-03-19

Ingomar, MS

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Closed with explanation

Timely Response

2018-03-15

Boloxi, MS

Took or threatened to take negative or legal action

Debt collection: Auto debt

Threatened or suggested your credit would be damaged
Complaint: I bought a SUV in late XX/XX/2018. Dealer stated the bank would send me the information and payment information in the mail. On XX/XX/2018 at XXXX, I received a phone call from ( XXXX ) XXXX. I didn't think much about it, scammers and law breakers call me on couple to - few times a week. I will block their numbers and forget about. The next day I was at work, and I punched ( XXXX ) XXXX in to XXXX and Call Note indicated it was XXXX XXXX XXXX ( possibly ). I thought " this is interesting, I am still waiting for the SUV paperwork to arrive ( I was told in a few weeks ), this is the sixth week. I wrote an email to the dealer explaining that I received a possible collection attempt from Regions, and this may be a coincidence, but I have not received any paperwork ( as stated ) yet. I was unaware that I didn ; t send this email, but was still open on my computer, I did send it today, XX/XX/2018 after the call I answered from ( XXXX ) XXXX. It was Regions Bank, told me I was going to collections ; my credit would be damaged. I explained that I never received the paperwork from any bank regarding the SUV. I didn't even know which bank loaned me the money. I expected for Regions to acknowledge the situation and make it right, or at least send me ( email ) the paperwork so I could set up auto pay from one - of the many banks - I use. She then tried to get me to pay her over the phone. This is when the fun began. I informed her that I have no idea who she is, or what scam she is trying to pull. I informed her that If she is indeed with Regions, then Regions appears to be engaged in some kind of scam defrauding innocence people ( at least in my case ) of their hard earned money. I then informed her that XXXX XXXX was recently busted doing something similar. She then began with Regions sent me the paperwork. I informed her that I never received it and do not appreciate being disrespected as some non-paying, jack-legged criminal. I told her I am a hard working U.S. American and have money to pay my bills, I then let out a big Oh Yeah - I have lots O ' money to pay my bills!!! I then proceeded to tell her that Regions needs to fix it business practices, for starters Regions could leave a voice mail explaining that I am about to miss my first payment ( even though there was nothing I could do to prevent this situation - short of Clairvoyance ), or even email me : The SUV dealer and Regions has my phone & email address. This is not acceptable business practice. Like I said - I pay my bills, I have a lot to show for my hard work over the years. My future is very bright. I am an exceptional XXXX XXXX. I informed her that there is an issue with mail theft here in America. I have been a victim. Evidently based on what Region 's is claiming, I am a victim again. There will be a mail theft report to the USPS over this, as well as to the local law enforcement office. There are some " future short legged prison resident '' cruising these roads. A neighbor has reported to me in the past, that they witnessed one of these " a short legged future prison resident ''. They even went on to state that there mother had even trained them to steal mail, looking for bank information/checks, etc - no body works at that house ... .. According to my wife, XXXX XXXX has had to quit sending checks, enticing people ( their clients ) to cash them from money, because criminal were stealing them from mail boxes and forging them ... Anyway I am not impressed with this behavior from Regions bank, I even call Regions around XXXX today to see if this was all legit. The agent would not give me her last name, and was testing me to see if I would slip up and give her some information about the loan. I informed that one that I have not received anything from Region 's and I did not even know which bank the SUV dealer used until today!!! Of course the cat was out of the bag at work, I have XXXX of those voices that carries. I has some " explaining '' to do tomorrow at work. Of course they are not surprised, it is not the first time I have had to defend my good name against the corrupt corporate type ... I asked her if, since now I have determined this situation is pseudo-legit, I could pay with a couple of financial services option - She stated Regions did not accept them. She said I could give her my banking information and she could get it from my account. I told her to email me the payment information, and I would setup an autonomous pay system I use for my properties, vehicles etc. Why is it so hard for Regions to save a member some time? Anyway she informed me if this is not paid by Sunday - Legal action will be taken. I welcome it - if Region 's will not lift a finger to help me resolve this situation - I AM the VICTIM here! Victim of criminals.The story needs to be heard. Acct # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-15

Hoard, 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: I went to Regions Bank at XXXX XXXX XXXX XXXX in XXXX, Texas and inquired about a home improvement loan. I told XXXX XXXX that I was just looking at interest rates at that time. I intentionally did not sign or authorize anything or because I did not want a hard inquiry in my credit report nor did she tell me that she was going to. Not only did she do that but she also miss-typed the name of the company I have worked for for 20+ years which added another employer to my profile. The correct spelling and the new miss-spelled one. I reached out to Regions to get this fixed but they just reply with how " I need to fix it ''. I asked them on XX/XX/2018, XX/XX/2018 and XX/XX/2018 and all three times received the same message back from them on the website www.regions.com. With this new " hard '' inquiry, my credit score has dropped to XXXX and it looks like if they don't do something, it will be on my report for at least 2 years. How can they just run my credit without my authorization or at the very least ask me if it was okay?
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

2018-03-15

Victoria, TX

Fees or interest

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

Charged too much interest
Complaint: I made weekly payments to credit card even before the due date yet interest and late fees applied to my account on numerous occasions-see attachments Additionally {$1200.00} never refunded by XXXX XXXX XXXX instead they created another late fee of {$530.00} after I requested to close my account-see file XX/XX/XXXX Now they do admit to a refund but only of $ XXXX-see file XX/XX/XXXX after applying late fees and interest Every time I called a XXXX/Rep mentioned that it takes 6/8 weeks to process yet its only been three months and still waiting for refund
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

2018-03-15

GA

Problem with fraud alerts or security freezes

Checking or savings account: Checking account

Complaint: In XXXX, the account for myself and my daughter was frozen ( my daughter is XXXX and it is her account, I am just a signer ). We went to the bank to inquire as to why and we were advised that their had been some fraudulent transactions on her account and they needed time to investigate. Since that time we have been there multiple times and have gotten nowhere. Her account is now closed and has been sent to collections, but the lady over the XXXX branch insists that my daughter had to have done it or have some knowledge of how someone got her info. We discovered that there had been multiple fraudulent mobile deposits where they tried to transfer the money out immediately, but it did not work. Her signature or information is not on any of the checks that were supposedly deposited and they continue to tell me that she would have had to have given her login information to her online banking. I explained to them that people 's social media accounts are hacked all the time, without the actual user provided and requested that they conduct a deeper investigation so that she can be excused of the fees that are now in collections. I have been told by 2 different branches that since it is now in collections that their investigation is closed and she just has to " XXXX it up '' and pay the fees. She is XXXX XXXX XXXX with a hit on her credit before she can even get into the real world and I do not feel as though she should pay these fees, since her account was in the positive when all of this started.
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

2018-03-15

Columbia, 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

2018-03-14

Georgetown, AR

Opening an account

Checking or savings account: Other banking product or service

Unable to open an 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

2018-03-14

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 explanation

Timely Response

2018-03-14

Arlington, TX

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

2018-03-13

Hickory Hill, TN

Incorrect information on your report

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

2018-03-13

Atl, GA

Opening an account

Checking or savings account: Checking account

Unable to open an 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

2018-03-10

Keytesville, MO

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: On XX/XX/18 there was a check from a CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX ... which when checking my account I assumed it was from my work ... .it wasnt until I went to the bank to dispute some charges coming out of my account that I was informed of this fraudulent check by XXXX at the XXXX XXXX XXXX they locked up my account without informing me of doing so ... .I got my last check from my job and was unable to cash it at the local grocery store because Regions has put a ding on my social security number ... .financially now I am struggling and I would have thought that Regions would have an obligation to notify IMMEDIATELY
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-03-09

Calumet Park, IL

Getting a credit card

Credit card or prepaid card: Store credit card

Card opened as result of identity theft or fraud
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response