REGIONS FINANCIAL CORPORATION

2017-09-19

Eden, MS

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 monetary relief

Timely Response

2017-09-19

Benton, AR

Problem caused by your funds being low

Checking or savings account: Checking account

Non-sufficient funds and associated 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

2017-09-19

Laurel, NY

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 non-monetary relief

Timely Response

2017-09-19

Clarkesville, GA

Fees or interest

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

Unexpected increase in interest rate
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-18

Hollywood, 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: I called Regions Bank on XXXX/XXXX/XXXX to ask them why they have accessed by credit file on XXXX/XXXX/XXXX and why they have put a Hard Inquiry on my XXXX credit file without my authorization, they could n't help me.
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

2017-09-18

NC

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: Vendor keeps charging my debit card for a service not received and never signed up for. We inquired about XXXX classes for my son. The vendor required my credit card number even though they offered XXXX free weeks. I was told it was for liability reasons. My son got hurt the XXXX free class they offered. He was under doctor orders not to practice for XXXX weeks. My son informed the school he would not return due to injury and then summer would be here and he would not be in the state. They told him it was not a problem and he could return next school year. I have called them every month and each time I am told I must speak to the owner but he is never there and has never called me back. I filed a complaint with my bank. First they mailed the paperwork to an old address and then denied my claim due to not returning the paperwork. I went into a branch and completed the paperwork and it was sent by a bank employee to the claims department. Still did not hear anything for a week so I called the claims department and they again told me they did not receive the paperwork. I went back to the branch again and the same employee sent the paperwork in and confirmed they received it. Now another week has gone by and I received a letter in mail today that they denied the claim again and state they do not have my paperwork and need proof of cancellation. What proof would I be able to provide when there is no contract? They have the dispute forms that have been sent XXXX times. I have asked my bank also to provide me with signed credit card slips as required by law and they tell me they do not have to follow that law. They told me I needed to provide them with the signed cancellation forms again and then they hung up on me. They have been very unprofessional with this and it seems they do not care. The charges are as follows XXXX XXXX XXXX {$130.00}, XXXX {$130.00}, XXXX {$130.00}, XXXX {$130.00}, and XXXX {$130.00} XXXX *this charge was after my initial complaint and they allowed it to be charged )
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

2017-09-18

Benbrook, 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 monetary relief

Timely Response

2017-09-18

Santa Rsa Bch, FL

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 non-monetary relief

Timely Response

2017-09-18

Gretna, LA

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: I disputed nearly {$34000.00} dollars worth of Fraudulent and or unauthorized charges at the end of the month of XXXX 2016 that were made on my Checking Account leaving me and my family with {$73.00} dollars.I went into the bank when my debit card was denied from a purchase i was attempting to make.I signed all supporting documents, provided a police report and the documents were sent to card services at Regions Bank.I was denied very quickly with a letter that was mailed to me stating false and irrelevant information regarding my claim.I attempted to contact the department that denied me and was unsuccessful.My Tax return was in my account at the time also along with nearly my entire Workers Comp Settlement Check in which i opened the account with, I have been ignored from every federal complaint I 've made online since my claim was denied.The Fraudulent activity that occurred on my account has ruined my life, my Marriage and separated me from my children leaving me unable to pay my bills.Can someone please help me with my claim because I am a victim of Identity Theft and also this is the second time in 8 years this has happened to me and my family, Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-16

Kimberlin Heights, TN

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
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

2017-09-15

Newport, 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

2017-09-15

Dyersburg, TN

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

2017-09-14

CO

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
Complaint: I tried to withdraw XXXX from a XXXX atm using a comdata XXXX. It is a payroll card from XXXX. i have an account with chase, and was going to deposit the cash from the card to my account. The atm shut down mid transaction and did not dispense the cash. XXXX told me it is the responsibility of the Comdata card bank to pay me. I have contacted them repeadedly and have been given the runaround. They say it is not their responsibility.
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

2017-09-12

Lehigh, 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 explanation

Timely Response

2017-09-12

AL

Managing an account

Checking or savings account: Checking account

Fee problem
Complaint: I have a checkjng account with Debit Card through Regions Bank, XXXX, Alabama. On XXXX XXXX, XXXX the ending balance on my account was {$210.00}. The next business day after that date was Tuesday, XXXX XXXX, XXXX. Over that weekend there were twelve charges for purchases and one cash withdrawal a total of {$200.00}, leaving an available balance of {$14.00}. According to my statement, the last and final charge to my account that day was a {$210.00} fee for six ( 6 ) insufficient funds charges. On XXXX XXXX, there were charges made to the account a purchase of {$32.00}, a locksmith charge of {$120.00} and a fee for two ( 2 ) overdraft charges of {$72.00}. I do not question the final charge for the two overdraft charge fee but do question the charge made against my account on XXXX XXXX, for the six overdraft fees ( {$210.00} ). I was told by the branch manager of Regions Bank, XXXX, Alabama that the overdraft for which these charges were made actually occurred because of the two charges which were processed by the bank on XXXX XXXX, XXXX. I realize that this does not involve a lot of money but I believe the charge made to my account for the six overdraft charges came only from an unreasonable, unfair and self-serving interpretation of its fee policy by Regions. In effect I am being charged for overdraft that never existed. At the close of business on XXXX XXXX, XXXX, there should have been a balance of {$14.00} in my account and would have been that if not for the {$210.00} charge for the overdrafts that had not occurred, I would also like to also like to refer your attention refer your attention to the Online Banking statement from Regions. Please refer your attention to the account Summary section at the top of the statement which shows the Posted Balance, an itemization of all pending charges and then what is shown as " Available Balance ''. I was told by the Branch Manager that Available Balance did not mean what it says, that it could be affected by charges which had been received but not yet processed by the bank The two ( 2 ) charges made to the account on XXXX XXXX, apparently created the overdrafts which were charged on 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

2017-09-11

Michie, 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 monetary relief

Timely Response

2017-09-11

Sarasota, 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 monetary relief

Timely Response

2017-09-10

MO

Problems at the end of the loan or lease

Vehicle loan or lease: Lease

Problem when attempting to purchase vehicle at the end of the lease
Complaint: I was gifted a car after the XXXX of my grandmother a year ago in XXXX. When I went to pay my sales tax and get the title transferred into my name I was told I needed a proof of. lien release before I could transfer title. The front of title under lien holder was signed and dated as released. I went back to my local DMV on Wednesday XXXX XXXX and told them the Lien Holder on the title was no longer in business. It was the XXXX XXXX XXXX XXXX out of XXXX, TN. The woman gave me the number for the XXXX XXXX XXXX XXXX XXXX XXXX opt XXXX. She seemed sure they would be able to help me. I left a message for a woman named XXXX and never got a call back. So, Thursday XXXX XXXX, I called again and spoke with her. She said informed me I needed to speak to someone at the OCC because they would have the information I would need to get this one little piece of paper. The number she gave me was XXXX. When I called the lady I spoke with searched for the bank listed as lien holder and she came up with a bank called Regions that was now based out of Alabama. She told me that unfortunately she could n't help me any further but she would give me the information for the company she had listed to handle all complaints for Regions Bank. Their address was XXXX XXXX XXXX XXXX, IA XXXX and contact phone was XXXX or online at www.consumerfinance.com. I then called them and a lady by the name of XXXX answered my call. After my discussion with her I had come to the conclusion that until then I had just been passed around from number to number so they did n't have to handle my issue. She informed me that my best bet would be to file a complaint on Regions Bank and wait for a reply from them. So, here I am doing my best to keep my sanity and hoping to find a solution to this whole proof of lien release needed from a company no longer in business in which I have gone a year past the date given the vehicle without being able to license it. I have attached a scanned copy of the title to this complain,
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

2017-09-08

Baton Rouge, LA

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 monetary relief

Timely Response

2017-09-07

Lewisville, TX

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: On XX/XX/XXXX, I made the withdrawals from my funds below. Total overdraft charges were {$72.00} an e-mail notice was not received until after the third day the charges were complete. I did not receive an immediate notification to contact about the first overdraft and prevent the second. Overdraft protection was difficult to find and enroll in, however, I have done this now after calling the bank to request a fee waive of the OD charges. When calling Regions bank onXX/XX/XXXX. The only refund the bank made was {$18.00}. This leaves me with a {$54.00} overdraft charge. XX/XX/XXXX Your beginning balance on that date was {$87.00} We received checks, withdrawals and deductions totaling XXXX ... ... ... ... ... ... ... ... ... ... ... ... ... Check Number : Dollar Amount : Action Taken : OD/NSF Fee Non-check item {$250.00} Item Paid {$36.00} Non-check item {$10.00} Item Paid {$36.00} Total : {$72.00} XX/XX/XXXX Fee Refund {$18.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-06

Atlanta, GA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: My employer had attempted to direct deposit funds {$1200.00} on my account at Regions bank on Friday XX/XX/XXXX and my daughter had attempted to transfer funds {$20.00} to the same Regions account on XX/XX/XXXX. After calling Regions customer service on Saturday morning no one informed me that the account had been closed due to lack of activity. I have gone the last 5 day speaking with at least 7 different representatives at Regions customer service and none of them informed me that the account had been closed and the funds had been rejected and sent back to the perspective payers. I visited a Regions location in XXXX XXXX and spoke to the Branch manager who finally informed me that the account was closed but had multiple documentation that the account was closed and I would have to go into a branch to discuss the situation yet none of the previous individuals that I talked to informed me of that nor did I receive an email, phone call or parcel indicating I needed to do so. Now my employer has to receive the denial of funds from Regions which may take 2-3 additional business days as well as my employer will take 5-7 business after receipt of denial of funds to reissue me another check. This has put me in an absolutely devastating situation where as I and my family may be evicted from iour home, my car repossessed and loss of emplyment because I ca n't get to work. This is of no fault of my own because had I know I would have taken the appropriate steps to prevent this from occurring. Now I am at a point of shear desperation as to where my family and I may have to find a place to live and obtain another means of transportation and possibly employment after only in the last 30 days gaining fulltime employment. I am in need of immediate compensation to prevent me and my family loosing everything and having to start over 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

2017-09-06

Bywater, 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 monetary relief

Timely Response

2017-09-05

Deerfield Bch, 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 monetary relief

Timely Response

2017-09-01

Soddy Daisy, 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 explanation

Timely Response

2017-08-29

Duluth, GA

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 non-monetary relief

Timely Response