REGIONS FINANCIAL CORPORATION

2017-10-31

Irvington, NJ

Struggling to pay 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

2017-10-28

Maclean, VA

Problem with a purchase shown on your statement

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

Card was charged for something you did not purchase with the 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

2017-10-26

Managing the loan or lease

Vehicle loan or lease: Loan

Billing 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

2017-10-23

Dunlap, 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 explanation

Timely Response

2017-10-23

Phenix City, AL

Managing an account

Checking or savings account: Other banking product or service

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

2017-10-22

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 explanation

Timely Response

2017-10-21

Santa Rsa Bch, FL

Closing an account

Checking or savings account: Checking account

Can't close your account
Complaint: XX/XX/XXXX2017 called my bank because an account that was closed due to wifes purse being stolen was reopened by XXXX XXXX when they ran ach payment on the account the account has no money so why would I want payments ran for account that has no money and your going to charge my account overdraft fee so now they are saying I owe them {$80.00} and said they will continue to charge me every time XXXX XXXX charges my account with ach and the monthly fee which is XXXX for an account I'am not using. this company has no reasoning or common sense and when did it become right for people reopen a account in my name with out my permission. Planning to bank somewhere else which could be what they are trying to due because I reported for there excessive fees for everything and claiming customer service but not solving customer problems by fixing them. Sorry you just got a report from about another company but just so you know the world is in chaos when people can just steal your hard earned money right to your face, last time I checked my XXXX where the XXXX XXXX and XXXX from the work I did not theres but they get my money for free again. Just want this on record, it 's up to you guys if you want to do anything last time they XXXX me and they will just keep XXXX people and the other complaint nobody still has called me. Thanks Fro Your Time
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

2017-10-20

Douglasville, 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 monetary relief

Timely Response

2017-10-18

Phenix City, AL

Problem with a lender or other company charging your account

Checking or savings account: Checking account

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

Timely Response

2017-10-17

Memphis, TN

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: I recently had major XXXX and was unable to work I requested a mortgage modification with Regions Bank XXXX2017. They did modify my mortgage and sent me the three trial payments. But the modification agreement reflected my property deed to be in another person name as well as myself. My property is only titled in my name only. I requested the mortgage company to correct the documents. Instead they have set a property foreclosure for sale date. Notice of foreclosure was mailed to XXXX XXXX XXXX XXXX XXXX, TN XXXX. I do n't live at that address and I never have.
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

2017-10-17

Snellville, GA

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 non-monetary relief

Timely Response

2017-10-14

Spring Hill, FL

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Complaint: deposited a valid check for the amount of {$3000.00}. i was told by XXXX XXXX who issued the check that Regions Bank improperly processed the check and treated the check as a cash advance, rather than a check. however, the check was written pay to the order of Regions Bank ; and therefore, it should have been processed as a regular check, as a cash advance could only be given if i cashed the check at the Regions Bank branch with the check made out to me or to " cash ''. this was not the case. Regions improperly returned the check to XXXX without crediting the funds of {$3000.00} to my account, as they should have, thereby causing me injury, damages, damages to my reputation and relationship with third parties who were consequently affected by Regions ' malfeasance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-13

Estill, SC

Managing an account

Checking or savings account: Savings account

Funds not handled or disbursed as instructed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-12

Batavia, IL

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

2017-10-12

Tallahassee, FL

Managing an account

Checking or savings account: Other banking product or service

Funds not handled or disbursed as instructed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-12

Ft Lauderdale, FL

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
Complaint: On XXXX XXXX, XXXX I was charged twice for a fuel purchase that was n't made by me. The charges shown are back to back on the same day in an unknown location to me. This card is specifically used for fuel. The amounts are as follow : {$50.00} invoice # XXXX {$50.00} invoice # XXXX Two days prior I used the card to fill up my tank and then used it the day after these charges when my tank was halfway full. I am an XXXX driver and use the fuel card issued by XXXX through XXXX Bank. I own a XXXX XXXX ( 4 cylinders ) vehicle and in no way can use this much fuel even if I 'm running on empty. Also, the charges show a location in XXXX through something called XXXX Fuel. I never fuel in XXXX! Since XXXX was having some technical difficulties with fuel charges not posting on time, these charges were not noted by me until the following month of XXXX. This was XXXX XXXX when a message was received by XXXX apologizing for delayed fuel charges. As soon as I noticed the charges I contacted XXXX to notify them of the error. Their support indicated they would contact the credit card company and I needed to wait. It was taking too long to receive a response so I contacted XXXX Support constantly and was asked to be patient. At one point I was that the credit card company had an undetermined amount of time to resolve the issue. I told them by FTC ruling they had two billing cycles or 90 days whichever came first. After all these months of waiting, I finally received an email on XXXX XXXX from support telling me the dispute was finalized and denied and that the internal review from the credit card company was confidential. I was also told by XXXX they no longer had any control over these charges and were no longer able to assist me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-12

Bolivar, TN

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

2017-10-12

Debary, 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 explanation

Timely Response

2017-10-12

Mc Donough, 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 monetary relief

Timely Response

2017-10-11

Bellevue, TX

Opening an account

Checking or savings account: Checking account

Account opened as a result of fraud
Complaint: This complaint is against Regions Bank. The sent me an advertisement last month for opening a new checking account with the promotion of {$400.00}. One of the conditions for getting the promotion is to have at least 10 purchases with its debit card within 30 days from the date of opening. I opened a checking account online with {$500.00} deposit successfully and requested a debit card. The card arrived after two weeks. I then activated it successfully. When I used the card, it did not work. I called customer service number, and the representative asked me for opening branch location. I told him I open online at my home address. He told me that he ca n't access my account since I could not tell him the open location. I then went to a Regions bank located in downtown XXXX XXXX, Texas with intention to close the account. The representative there could n't access my account since it was locked because I have not signed the paperwork for opening a new account. Well, it never told me that when I opened the account. So she made me sign a new account agreement so she can close it. I took it home to have my wife and I sign on that and brought it to the Regions bank in XXXX, Texas to close the account and get my {$500.00} back. The bank manager in XXXX, Texas, XXXX XXXX, told me that for a new checking account, it takes 30 days to verify in order for the debit card to work! So it 's a false advertisement because I can never make 10 purchase in 30 days to qualify for {$400.00} promotion. After they close my account, they only refunded me {$460.00} instead of my {$500.00} deposit. Guess what? They made me sign the new account agreement before they closed it, so they can charge early termination fee!
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

2017-10-10

Brentwood, TN

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: My husband and I visited XXXX XXXX at XXXX XXXX XXXX XXXX, in XXXX, TN. on Saturday, XXXX/XXXX/XXXX. We had a reservation to stay there from XXXX/XXXX/XXXX - XXXX/XXXX/XXXX. This location wont allow you to pay with cash unless you to take a smoking room. There is no option to pay with cash if you want a non-smoking room. You have to use a credit or debit card to get a non-smoking room. We are not smokers and we did n't want a stinky room so I used a debit card. We also informed the person who checked us in, XXXX XXXX, that we wanted no maid cleaning service for my room. We didnt want our privacy invaded. He then my husband that if the room was very dirty, a maid service cleaning fee would be charged to my card. So my husband and I went to the room and before unpacking anything, we first inspected the room. Then we inspected each bed. There were XXXX double beds. We were looking for signs of bed bugs and filth. The first bed had a XXXX XXXX stain on the sheet. The second bed had a stained pillow and when I pulled the sheet back, the mattress pad was dirty and had human hair all over it. My husband then used his camera phone and took pictures of the way we found the beds. We left the beds as they were and went down to the office to bring the XXXX, XXXX XXXX, back to the room. We did this due to the fear of them lying about the room and claiming we stained or messed up the beds with dirt and hair. We spent less than XXXX minutes inspecting the room. We went to inform XXXX that we had just checked the room and beds first before using it to let him know this is how I found the room. So as my husband was trying to show him the pictures, with an attitude, he refused to look at the pictures or pay attention to what my husband was saying. He immediately started repeatedly saying I will give you a refund and cancel it out. We had driven into XXXX from XXXX, TN where we reside and it would soon be night time. My husband asked him if this was his way of solving the problem as opposed to offering us a cleaner room or having someone change the bedding on both beds. He stated there were no more rooms available and no housekeepers to change the bedding. He told us to just get our things out of the room and our refund would be ready when we came back. When we returned for the cancelled room and refund, XXXX tried to deceive us by giving us a printed out receipt that was blank other than showing a check in date of XXXX and check out date of XXXX. These were the dates we had reserved the room for. There were no monetary amounts on the receipt and no mention of a cancellation. My husband and I argued with XXXX who pretended to not understand what the problem was with the receipt so we explained what the problem was. He then printed out a XXXX receipt, but the only difference was that he changed the check out date to XXXX. Mind you, it was still XXXX/XXXX/XXXX and only XXXX minutes after we had initially arrived at the hotel. We demanded he give us a valid receipt stating the correct dates, time and stating it was a cancellation and not due to any fault of our own, but due to the beds not being clean. He then grabbed the XXXX receipt he had printed out, still with the incorrect date and other information, and wrote cancelled at the bottom. He did this, but did not sign it. Again, being deceitful. He wanted to make it appear that we had stayed in the room overnight as opposed to only being at the hotel for XXXX minutes. Just long enough to check in, check the room, and then return due to the cleanliness issues. He kept insisting that we werent reading the receipt correctly and to give it a few days and we would see the charges fall off. We left upset and very concerned about what might end up being charged to my check card. On XXXX/XXXX/XXXX, I noticed a pending charge of {$240.00}. I didnt report the issue at that time because XXXX had lied and told us that it would drop off. It changed, but the change was in the form of a credit of {$150.00} and this was on the same day as far as what I am able to see in my XXXX account online. So he didnt credit back the entire amount, but instead, kept {$94.00} as a charge for a full 1 day stay. He created a whole new receipt that was emailed to my husband which stated we checked out of the hotel on XXXX/XXXX/XXXX at XXXX. We never stayed at this hotel. We drove back home to XXXX immediately after leaving XXXX minutes after our arrival there. I called Regions Bank to report this and file a fraud claim. I provided all the information to a representative who typed up my complaint as I was communicating it to her. She also stated that due to this being a fraud claim, my check card would have to be cancelled immediately because the XXXX would probably still have access to my number and information. It was cancelled and a new card issued out to me. The representative emailed me the complaint form which I had to sign and fax back to the department that handles fraud claims. The form she emailed me didnt show all the information I had told her about, but instead it appeared to be cut off after a few lines. I assumed that just meant only a certain amount of characters could be seen through the emailing process. I printed out the shady receipts I had received from the XXXX XXXX XXXX XXXX XXXX and made notes on each of them. I also supplied other information I had found online to make them aware that this wasnt the first time XXXX had stolen from customers and fraudulently used their credit cards stealing money from them. I was told that it would take XXXX days to investigate this. On XXXX/XXXX/XXXX, I sent a message to Regions through my online account asking for an update and a representative replied back to tell me that my claim was denied. I have attached the determination letter I received from Regions. I found it particularly interesting that it was dated XXXX which was a Sunday and only XXXX business days after I submitted my complaint. I was told they would be doing a thorough investigation into this matter, but I dont believe that was the case. Also, the determination letter appears to be stating that there is nothing to dispute due to the fact that the merchant provided XXXX credits to my account. What they fail to address is the fact that he kept {$94.00}, when in fact, he had no right to keep any of my money and the full {$240.00} should have been refunded/credited back to my account. I would appreciate any assistance you can offer in this matter. I am attaching every document I have that is related to this dispute including all documents I faxed to Regions Bank.
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

2017-10-10

Holmes Center, IL

Communication tactics

Debt collection: Other 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

2017-10-09

Brentwood, TN

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: I was victim of a fraud scam. Around the XXXX of XXXX 2017 I applied online for a XXXX XXXX job on several sites. About a week later I received in the mail a letter from XXXX XXXX with instructions on how to do the job and also a check attached for {$3300.00}. I was skeptical but I researched the company and they were reputable so I proceeded to deposit the check into my checking account using my phone. I purposely DID NOT choose to have access to the money early so that I could see if this was for real. A few days later the money showed up in my account. It was not listed as pending either. I was very excited that this was real and proceeded to follow the very detailed instr ( uctions on how to do the jobs. The first one was to go to XXXX and do a XXXX XXXX for {$1900.00}. The second was to go to XXXX and do a XXXX XXXX for {$900.00}. The third was to go to XXXX and buy {$100.00} of whatever you wanted and you got to keep the products. The final {$400.00} was your fee for completing the jobs. You were then going to fill out very detailed questionnaires on all of the places service and cleanliness. I did these jobs on XXXX XXXX, which was a Friday and kept all of the receipts to submit. Well, the following Friday I try to log into my Regions account and it will not let me so I call the Regions and they tell me I have to go in to a branch to reset my password. They would not tell my why. I go into the bank and after about an hour of the rep trying to figure out what was going on he finally tells me that the check for the {$3300.00} had come back as fraudulent and my account was overdrawn by {$2000.00}. I was in complete shock since I had specifically NOT requested that that money be available early and the fact that I thought it had cleared since the money showed up in my account and was NOT pending. XXXX pending items show up in red as pending ) I immediately went to the police and filed a report. They asked me if I wanted to press charges if they found the perpetrators to which I said yes. I returned to the bank the following day with the police report in hand and an assurance from the rep that everything would be okay since I did have a police report only to find out that I would be responsible for the full amount of the check! I was the victim of a crime and I would be the one who paid for it!!!! Furthermore, the bank made me feel like I was the criminal!!!!! I was horrified!!! So now I was not only victimized but I couldnt pay my rent either! It was the bank who made the funds available early specifically after I told them not to and the funds were not listed as pending. It should be the band that covers the check, not me! They are insured for things like this. So I transfer money from my Florida accounts and I needed to have access to it right away to pay my rent so I have my mother put {$4000.00} CASH into our shared savings account so that I could cover the negative {$2000.00} balance and leave me with {$2000.00} for rent and bills. I then go to the bank the following morning to pull it out and they would not give me my money!!! MY money that was deposited into MY account and was CASH!!!!!!!!!!!!! I was so furious with them. This XXXX gives me a letter to give to my landlord stating Ill have it tomorrow. I went into the bank again the next morning and they were saying again that I couldnt have the money. Then he says well, you can have the money but the only way you can have it is to close out your accounts. I wanted to leave the accounts open for a week so that I could pay all of my bills online that needed to be paid and then I would close out my accounts with Regions ( because I was NOT going to stay with them after this ) and go to a new bank. Its like they were saying XXXX, we dont want your business anymore. Again, they made me feel like I was the one who committed a crime! I wasnt good enough for their business anymore. I WILL NEVER DO BUSINESS WITH THIS BANK AGAIN ANY ANYONE ELSE OUT THERE SHOULD BE VERY CAREFUL AND NOT EVER BE A VICTIM OF A CRIME OR FRAUD WHILE BANKING WITH THEM BECAUSE THEY WILL MAKE YOU PAY FOR IT.LITERALLY!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-05

Ballard, WA

Opening an account

Checking or savings account: Checking account

Account opened as a result of fraud
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

2017-10-05

Crossings, FL

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response