REGIONS FINANCIAL CORPORATION

2018-02-20

Hewittsville, IL

Getting a credit card

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

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

Timely Response

2018-02-19

Jonesboro, GA

Closing an account

Checking or savings account: Checking account

Fees charged for closing account
Complaint: We have been harassed by phone calls from Regions Bank Collection department in regards to closing our accounts. We sent a letter on XX/XX/XXXX to XXXX XXXX, Quality Performance Management with return of both ATM cards stopping all bill payments and all automatic merchants ' debits from our accounts, and ask the account to be close. This bank has called us over a half dozen times stating that we owe them {$140.00} in fees. We owe them nothing, they took close to {$400.00} out of our direct deposit because they failed to place a stop payment on XX/XX/XXXX, and did not perform the transaction until 10-12 days later. A stop payment request should have been done no more than 3-4 days according to their bank policy. They charge us fees after fees, returned some payments when the account went in total disarray because of their negligence. Now they are threatening us with collection for bank fees and keeps on calling us by phone, sometimes 2-3 times a day each week.
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

2018-02-18

Clarksburg, WV

Improper use of your report

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

Reporting company used your report improperly
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-17

Huntsville, AL

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 opened a secured credit card account with Regions in XX/XX/2017 at the XXXX XXXX branch in XXXX, Alabama. The representative was XXXX XXXX. I advised XXXX XXXX that for security reasons, I wanted the new card to go to my XXXX XXXXXXXX as I've experienced difficulty receiving mail at my residence. XXXX XXXX advised that it had to go to my residential address instead, so the card never came. I asked XXXX XXXX how long would it take for the card to be issued & she could not provide a turn around time whatsoever. I even made requests to have the card personalized ( for added protection ) & she refused. I asked for special handling ( XXXXXXXX, etc ) upon completion of the processing & she refused that, also. As a matter of fact she took the time out of this application process to comment on how her & *her* husband lived in a rented house for 3 years & paid {$750.00} for rent & then she said, " I mean {$720.00} & we wasted almost {$9000.00} per year in rent instead of home-ownership. Her comment was unsolicited, inappropriate & was tailor made to my husband & I as we rented a home for exactly 3 years & paid {$720.00}. I am a victim of whistle-blower reprisal & I recognize these types of comments as they've been made by retailers before as a form of verbal harassment. I am contacting CFPB in regards to the fact that my card was sent overnight to XXXX, Indiana in XXXX after repeated calls & inquiries to XXXX XXXX, but when the card arrived, XXXX XXXX had a fraud alert placed on the card, so upon activation, the card did NOT work. XXXX knew that she was speaking to me because I provided information that only I could provide. She claimed she was getting the hold/block lifted but I've only been able to use the card once & I've been declined at various merchants including XXXX. XXXX XXXX repeatedly asked me when I was returning to XXXX as if I had no right to visit family in another state. Her repeated interference is a violation of my civil rights & I would like to have these fraud alerts removed once and for all. Her actions are willful. She is skilled at playing dumb, but is well-aware of the damage & repeated harassment. I opened the card account for credit purposes, but her malicious acts are adversely impacting my ability to use the card and to make timely/early 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

2018-02-17

Metairie, LA

Managing an account

Checking or savings account: Checking account

Problem accessing account
Complaint: In XX/XX/2008, I discovered that Regions Bank opened an account for another person in Arkansas using my social security number. I tried to correct this issue and the issue was not resolved. I closed my account with the bank however, received no confirmation of the other account being corrected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-17

Tupelo, MS

Problem with a company's investigation into an existing issue

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

Their investigation did not fix an error on your report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-15

Knightsville, SC

Problem when making payments

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

Problem during payment process
Complaint: XXXX had automatic payment agreement with me to deduct {$500.00} from my account in XX/XX/XXXX and XX/XX/XXXX and then XX/XX/XXXX they charged me the wrong amount of {$600.00} which caused my business to have 3 overdraft fees. I emailed them on XX/XX/XXXX as well as XX/XX/XXXX which was the original method of setting up this agreement and told them of the problem and to STOP ACH withdrawals immediately. I disputed with my bank and retrieved my money. They never responded to these emails even though they did with no issues setting up the payment arrangement. On XX/XX/XXXX they once again charged me {$600.00} even though I had sent in writing to the department that set up the original agreement and cancelled authorization to ACH withdrawals. I want my {$600.00} returned to my bank account ASAP. I disputed with my bank and this company lied and said they had permission to debit my account. The account is under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX 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

2018-02-15

Montevallo, 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 non-monetary relief

Timely Response

2018-02-15

Missouri City, TX

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 explanation

Timely Response

2018-02-15

Dothan, AL

Getting a line of credit

Payday loan, title loan, or personal loan: Personal line of credit

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

Timely Response

2018-02-15

Opening an account

Checking or savings account: Other banking product or service

Confusing or missing disclosures
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

2018-02-15

Tupelo, MS

Problem with a credit reporting company's investigation into an existing problem

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

Their investigation did not fix an error on your report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-14

Wesley Chapel, FL

Charged fees or interest you didn't expect

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

Complaint: I received a SBA sponsored loan from Regions Bank in XXXX. The original amount was {$210000.00}. In XXXX I requested a loan payoff since the loan was attached to my home. I was selling my home and I needed to payoff the commercial loan. Once I received the payoff, Regions placed {$6700.00} in forced insurance premiums on the loan. I had this loan for 10 years and I had insurance the entire time during this time. I was not notified of the forced insurance. It did not show up on my loan, my monthly statement, my online account or any other bank item to even know that this existed. I was not mailed anything. I was not sent insurance policies or any other insurance information. I have never been provided the polices to review or even if they existed. When I inquired about getting it removed, I was instructed to email the proof of insurance to a email XXXX. They originally asked for business liability proof of insurance. I sent it. They then asked flood insurance. I told them I was not required to have flood insurance from my landlord. They then asked for business content proof of insurance. I sent that as well. I felt like they were making up things for me to get them until I could no longer produce the documents. I sent all of the documents. I thought this would be a pretty easy process since I had insurance the entire 10 years. They then stated that the polices I sent them were not worded or titled correctly and they were not going to remove the {$6700.00} in forced insurance. From my research it looks like they applied forced insurance during years XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX but not in XX/XX/XXXX, XXXX or in years XX/XX/XXXX-XX/XX/XXXX. Regions Bank has refused to refund my money. They stated that the policies were not correctly titled to their liking. The insurance policies in XX/XX/XXXX-XX/XX/XXXX were no different than the polices from XX/XX/XXXX-XX/XX/XXXX. This is clearly an attempt to stall, delay, find technicalities or some other reason not to refund my money. This practice of creating fake insurance and then failing to notify the loan holder should be illegal and is basically extortion. I could not close of the sale of my home until it was paid. I pushed the closing back 4 times in order to give Regions time to make this right. They refused and I was forced to pay off the {$67000.00} in illegally obtained forced insurance out of the sale proceeds from my home. I have two major issues with this situation. First, I was not notified fo the forced insurance. It did not show up on statements, online documents, monthly payments or any other item from the bank. They put this fee on my loan for three years ( then stopped the insurance ) without my knowledge. Secondly, when I provided them proof of insurance, they asked for the insurance to be in at least 5 different formats. They asked for three different types of insurance and the policies to read in 3 different ways. I would like to see the policies they claim to have gotten on my behalf and I assure you they dont have the three types they made me provide ( which I did ). I appreciate you helping me resolve this situation of a consumer being extorted by a XXXX dollar bank. Thanks! 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

2018-02-14

Chisolm, AL

Problem caused by your funds being low

Checking or savings account: Other banking product or service

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

2018-02-13

Dallas, TX

Managing an account

Checking or savings account: Other banking product or service

Fee problem
Complaint: I made transactions with Regions bank initially involving XXXX. Suddenly I was processed with international fees. This is banking fraud because I didn't authorize by debit card for these transactions but my information was passed along to the consumer groups. This is agreed upon an extra payment fee due to the Regions terms of service agreement that I disclosed when I opened my account initially. My money was sent to XXXX, XXXX, and XXXX but I never received my product, goods, nor service. Why are adults allowed to take my money and prosecute myself for misdemeanors but I never receive a docket number for my case. An open dispute resolution was actively closed by a bank teller when my account became negative in funds. I was a victim of a violent shooting in college and never received my diploma because I didn't get to graduate. This is not fair because I am an adult and can not earn fair wages. I keep paying my money and my debt to society but I am treated unfairly. If I knew that Regions was going to waste my money then I never would have done any of this! This is very frustrating. I am still being charged ATM fees, and monthly service fees, but I can not access any more cash! There should be a communication at least when my account is escalated to include extra fees. Or if there is a delay in my transaction then the consumer response should include a third party or myself directly. Either by telephone, email, or fax.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-13

Gainesville, 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

2018-02-12

Lenoir City, TN

Managing an account

Checking or savings account: CD (Certificate of Deposit)

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

2018-02-11

Marietta, GA

Incorrect information on your report

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

Public record information inaccurate
Complaint: On or about XX/XX/2018 I reported a error to XXXX. They started a dispute and said they could not remove the report and had to do it manually stil no answer. I called Regions and had a letter in my hand within a week.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-10

Dulac, LA

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

2018-02-09

Palos Park, IL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Regions Mortgage home loan balance as of XX/XX/XXXX : {$190000.00} Property valuve per XX/XX/XXXX appraisals : {$250000.00} PMI is scheduled to be removed : XX/XX/XXXX ( under assumption that no additional principle payments ) I paid additional payments in last few months and made current balance {$190000.00} less than 78 % of property value. I sent a secured written request to mortgage company to cancel PMI as loan balance is less than 78 % of property value. The mortgage company insists that PMI will be automatically terminated as per original schedule which is XX/XX/XXXX. Am I not eligible for automatic PMI termination now as ( I paid additional payment and ) loan balance is less than 78 % of property value?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-08

Amber, IA

Problem with the payoff process at the end of the loan

Payday loan, title loan, or personal loan: Personal line of credit

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

Timely Response

2018-02-08

TN

Trouble during payment process

Mortgage: Other type of mortgage

Complaint: I Am Requesting An Itemized And Audit Report On My Account With XXXX XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX Because The Fund's That I Have Paid Is Not accounted For And My Account Balance Is Not Accurate
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

2018-02-07

Barr, 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

2018-02-07

Belleville, IL

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

2018-02-06

Gpt, 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