REGIONS FINANCIAL CORPORATION

2018-02-05

Struggling to pay your bill

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

Problem lowering your monthly 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

2018-02-04

Grangeville, LA

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: Regions bank in XXXX, Louisiana. Withdrew {$40.00} from atm. ATM gave me {$40.00}. When I looked at bank app on phone it said I withdrew {$400.00}. Called bank and they said they acknowledged error and if was not corrected within a couple of days then I should call back. A couple of days later I called and bank told me I was being charged {$400.00} because I withdrew {$400.00}. They said that i was wrong and that there was nothing they could do for me. Because of all this my account was overdrawn and I have been charged an additional {$35.00} for overdraft fee. Have called several times trying to explain that the first time I called they said they saw error and were going to fix it. They have told me they admitted no such thing and that I am making this up. They still want their overdraft and overdraft fee paid. Refuse to pay even more because of their error. Account is now closed will never use regions bank again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-02-01

Managing an account

Checking or savings account: CD (Certificate of Deposit)

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

2018-02-01

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

2018-01-31

Fort Worth, TX

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: I opened an account with Regions bank on XX/XX/2017 after receiving a promotional offer in the mail of a {$400.00} bonus after signing up for online statements, and making 10 purchases within 60 days. This was all confirmed to me by the representative that opened my account by phone. He said the {$400.00} would post within 120 days after account has been opened. Regions is now offering the same promotion but has reduced the 10 debit purchases to 30 days. The person that opened my account made did not make mention of that and told me directly I had 60 DAYS. Which was the promotional advertisement by Regions, for 60 days. Regions is denying me the {$400.00} bonus saying I did not post 10 transactions with 30 days, even though their very own representative told me I had 60 days!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-31

Palos Park, IL

Fees or interest

Credit card or prepaid card: Store credit card

Charged too much interest
Complaint: Received my bill on XX/XX/18 and noticed a " Late Fee on Previous Invoice '' charged {$410.00} for XX/XX/XXXX bill which totalled {$1900.00}. Contacted them today and was told my payment was five days late. I asked her how this is possible to get an interest charge of this amount and she said I was charged 9.99 % and doesn't know how they assessed the total charged but that was what was due. And that was the end of the conversation.
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

2018-01-31

El Dorado, AR

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 non-monetary relief

Timely Response

2018-01-31

Bueche, LA

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: Our account was overdrawn XXXX by regions. I check my account Daily via mobile app and online website. I checked my account on Monday XX/XX/XXXX and I had a low balance but was not in the negative with no pending transactions shown. Showed that I had two transactions for XXXX purchases that had already posted and cleared at that time. Fast forward to the next day and I had a check come in that I didn't have enough to cover perfectly fine I would take that XXXX fee. Then suddenly the two previous debit transactions go back into pending and bam two more NSF fee then I had enough deposited to cover the one check and NSF until they decided to charge me even more NSF because of a transaction that was done prior to the overdraft occurring in the end I'm out XXXX in NSF with a XXXX child at home requiring medical equipment and my lights will be cut off at XXXX XXXX today. When I called regions I was told that transactions maybe held 3 business days in pending then they can be placed back in your available balance and can be reposted for up to 180 days after. I was never informed of this and also was never informed that I could opt out of overdraft on debit transactions only we were told you could only opt out if you choose both debit and check Transactions be declined for overdraft protection. Regions is robbing the poor blind and they have no remorse they don't care that innocent children will be sleeping in the cold tonight with temps below freezing as long as they make millions off of people. I don't understand how this is even legal to allow transactions to post how they see fit to gain a dollar rather post in the order the items were done. Do not bank with regions unless your ready to go bankrupt. They even took donations for my son for his XXXX XXXX that was deposited to my account for NSF fee 's.
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

2018-01-31

Johns Creek, GA

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 non-monetary relief

Timely Response

2018-01-31

Chicago, IL

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

2018-01-30

Phenix City, AL

Improper use of your report

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

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

2018-01-29

Jc, TN

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

2018-01-29

Oxford, GA

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Complaint: Dear CFPB, A series of errors and disrespectful representatives has resulted in a loss of funds and a late fee for my rent. It started with my Now Card which was compromised. I called and had the card closed and replaced. There were 3 fraudulent transactions on it. I later would find out that for some unknown reasons the three transactions were split and sent to 2 different reps. One fraudulent transaction was approved. The day I received the replacement Now card, I also received a letter saying 2 of the 3 transactions were not approved with the erroneous excuse being that my card was not compromised. Later 2 reps, one a supervisor said themselves that was crazy and it should not have happened. I called them back XX/XX/XXXX. The rep said it would be expedited and done by the next day. I called back XX/XX/XXXX to learn he had lied and had not processed it. The rep that day said it would be rushed and finished by Tues XX/XX/XXXX. I had been expecting it by XX/XX/XXXX in order to avoid a late fee on my rent ; and believing them I was stuck in a bad situation. On Thursday XX/XX/XXXX I called again. It had still not been done. I first spoke to a rep who sent me to a Solutions Dept. The supervisor there assured me it would be fixed this time and that it had already been approved after being on hold for 20 minutes and it would be back in my account within 2 hours. I called back about 3 hours later and spoke to another solutions dept rep. She informed me it had never been approved and that XXXX from before had lied. She then passed me to the department that is supposed to deal with card services. The card services rep did not want to get me to a supervisor and told me the manager was in a meeting. She assured me the manager would call me back that day. Come Friday XX/XX/XXXX I had not heard back. Friday XX/XX/XXXX I called back. I was sent back to solutions and then card services. The card services rep did not want to help me. After putting me on hold saying she was going to get me to management she simply put me back in the cue which took me back to the main numbers again. The next rep then did not want to help me and hung up on me. I then called back the main line, asked for a supervisor. That supervisor claimed to be sending me back to Card Services. After a long hold I was disconnected again. I called back again and got to Card Solutions Dept. A woman with a sassy attitude said she would finally get to me to a manager. After 30 minutes on hold, she hung up on me. I have still not received the refund of {$7.00} from the fraudulent XXXX transaction, {$30.00} from the fraudulent XXXX XXXX XXXX transaction and have lost {$50.00} in late fees due to the insane disrespect and refusal to get me to a manager or supervisor by the regions tech support staff. I demand that Regions pull the calls from XXXX in solutions and the card services dept with me, reimburse me for the 2 fraudulent transactions and compensate us with credit for the {$50.00} we lost only due to the games Regions shady phone reps were playing with us.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-27

Grandville, MI

Problem with a purchase or transfer

Credit card or prepaid card: Payroll card

Card company isn't resolving a dispute about a purchase or transfer
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

2018-01-26

Jupiter, FL

Improper use of your report

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

Credit inquiries on your report that you don't recognize
Complaint: Good afternoon, I am making a dispute against Regions bank, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX for making a hard inquiry against my credit report. I believe I was sent a pre-approval offer letter from Regions to me in the mail and was told that ANY pre-approved offers should be reported as a soft inquiry. However, there was nothing soft about this inquiry. This hard inquiry, along with a few others, has in fact ravaged my credit score, causing my credit score to plummet from a XXXX excellent score to a XXXX. Being that I was considering of getting a mortgage loan in a few months, these hard inquiries will not look good to bank and other lenders.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-26

East Detroit, MI

Getting a credit card

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

2018-01-26

Bremen, GA

Problem caused by your funds being low

Checking or savings account: Savings account

Late or other fees
Complaint: Regions person opened my checking and savings account. He opened a money market account instead of a savings account. This past year I made in interest from the money market account {$14.00} per the interest income statement and the bank the bank has charged me {$60.00} in low balance fees. I took all but {$.00} out of my account and they. charged another {$15.00} for low balance fee a negative balance of {$14.00} so they took it out of my checking account. Went to the bank and asked that they refund the {$15.00} and asked why I was charged four {$15.00} charges and was told because I had a money market account. I am XXXX for the last XXXX years trying to get XXXX social security and don't have any income, just barely get by from selling my jewelry and furnishings and then the bank steals {$60.00} from me. Have called and gone into the bank and am told oh I'm sorry let me see what I can do and I will call you in a couple of days but doesn't. I was just told by XXXX at customer service that she could transfere me to debt collections department or the loan department and I could get a loan to help me pay my bills. Told her I have not had an income since being fired in XX/XX/XXXXafter 15 years of employment for being sick and not finding a doctor that can see me on Saturday or Sunday and a hospital to do the test on Saturday or Sunday. I can't get a loan without income. I need help.
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

2018-01-26

Atl, 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 monetary relief

Timely Response

2018-01-25

AL

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: On Sunday morning XX/XX/XXXX I was notified by text that withdrawals were being made on my account. I immediately canceled debit card and Monday morning was at local branch and signed paper work for a fraud case. They have denied me saying that it passed their fraud credentials. I live more than an hour from where transaction to place and I was told that another attempt was tried Monday morning but was denied. XXXX XXXX was the time they said the attempt was and I was at work clocked in waiting on bank to open. I have maintained possession of card the whole time and even showed them the card. I dont know what else to do and they are treating me as if I stoled my own money. Please help.
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

2018-01-24

MI

Money was not available when promised

Money transfer, virtual currency, or money service: Domestic (US) money transfer

Complaint: I have had complication with a bank transfer from XXXX XXXX to my Region stream line of credit. On XXXX XXXX XXXX a payment cleared and was processed. A review and or investigation was completed and payment was verified and was authorize. A pending payment did reach regions in the amount of {$34.00}. and the transfer amount was an even {$35.00}. regions has simply stated this is XXXX XXXX responsibility and to take it up with them. I did and no recovery has been made. Regions did no make my deposit of {$35.00} charging me {$35.00} for a returned check fee and {$35.00} for non payment and or late payment fee. leaving me in the negative of {$100.00} plus transfer fees and interest for tranfering other funds to make this account and to keep in good standing on my own. attached our screen shoot of each account thank you. 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

2018-01-23

Lk Buena Vis, FL

Money was not available when promised

Money transfer, virtual currency, or money service: International money transfer

Complaint: E transfer at Regions XXXX XX/XX/XXXX Regions Bank Department of Electronic Transfers I am requesting your help to start an investigation for an abnormal electronic transaction was done by the Regions Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX, and also I am asking to get reimbursed the money I lost with it. In XX/XX/XXXX I asked to get an electronic transfer for the amount of US {$4200.00} Dollars from my checking account XXXX at Regions Bank into a personal account in XXXX, XXXX XXXX, XXXX ; swift code XXXX ; Beneficiarys Account # XXXX ; Wire Sequence # XXXX ; XXXX XXXX. The money was taken out same day from my account, but held with not reason until XX/XX/XXXX. I was told that it was caused by the intermediary bank XXXX used by Regions Bank . I am pleased for the promptly response and commitment from the branch manager to resolve that situation as soon as it was communicated. However, It was not resolve immediately, but 18 days later. With that money, I was committed to get done a payment on time-of health insurance for my wife, my son, and myself. But, because the delay of the transfer I had to pay a late fee and interests for the amount of {$50.00} Dollars. Besides that, the exchange rate was paid at lower rate than the current value of the Dollar in the market at that time. It was done for the amount of {$2800.00} pesos per each Dollar, which is lower XXXX pesos per Dollar. It means that I lost additional {$170.00} Dollars with this electronic transfer because the exchange rate. Total lost amount is {$220.00} Dollars between late fees and lower exchange rate. I had done previous transactions with no problems, but this was unacceptable one. Please, let me know the result of your investigation. Thank You, XXXX XXXX Phone 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

2018-01-23

Cabot, AR

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 monetary relief

Timely Response

2018-01-22

Phoenix, AZ

Closing an account

Checking or savings account: Checking account

Can't close your account
Complaint: I have a checking account with Regions Bank which Ive been trying to close for months since earlyXX/XX/XXXX, Regions refuses to close it. I have some merchants like XXXX XXXX XXXX and XXXX who charged my account by mistake with automatic payments. I already contacted the merchants and resolved the problem. But Regions keeps charging me overdraft fees ( {$36.00} ) and monthly checking account fees ( {$8.00} ), even though I called over 10 times to close my account. The last call I madeXX/XX/XXXX to remove the overdraft fees which added to {$110.00}, Regions refused to remove the fees and only credited me {$28.00}. This is a robbery pure and simple.
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

2018-01-22

Hialeah, 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

2018-01-20

Ft Myers, FL

Closing an account

Checking or savings account: Checking account

Funds not received from closed account
Complaint: went to use my atm card and was denied went to bank and said they closed the account .i asked why no one knows i have little over {$600.00} in my account and i can not take it out i had this account for monts never had a problem .they closed the account so i need my money thank u XXXX
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