REGIONS FINANCIAL CORPORATION

2017-08-09

Ormond Beach, FL

Applying for a mortgage or refinancing an existing mortgage

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

2017-08-08

Huntsville, AL

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: I have made arragements to pay them but they continue to call XXXX XXXX is handling my creditors an they all have been notified properly/ I am not trying to avoid paying anyone just through this structured payment plan. Regions Bank been the only creditor that have harassed me calling day an night home and cell phone back to back. cell number / XXXX XXXX have already made a agreement to pay off one bill 3 payments and will be negoiating the next.
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

2017-08-08

Boca Raton, FL

Closing an account

Checking or savings account: Other banking product or service

Company closed your 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

2017-08-08

Federal Way, WA

Problem when making payments

Credit card or prepaid card: Store credit card

You never received your bill or did not know a payment was due
Complaint: XXXX called me on the phone, told me my company was pre-approved for their gas card, and sent it to me after a brief phone interview/application. I used the card, never got anything in the mail or email or anything telling me I had a balance owing and how much to pay or to where to send payment. I called the number on the credit card to inquire about this and they said my account was already referred to a collection agency.
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

2017-08-07

Grangeville, LA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: On XX/XX/XXXX,2017 we were approved for a XXXX through online.on the same day, a deposit of {$490.00} was, deposited into our account from the online loan.come to find out it was a online fraud that locked our account for almost 2 weeks now and still have no access to any of our funds.we receive direct deposit on a weekly basic and still ca n't have access to any funds.regions told us that the fraud is under investigation and that our funds will be ready no later than XX/XX/XXXX,2017.well needless to say, we still have no access to any funds.it 's been 2 weeks and still no answers..this is getting out of hand..please help us get more answers to this so we can have access to our funds..I will be going to the bank today to do a follow up and I will get back with you about what 's going on
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

2017-08-04

Castle Rock, CO

Trouble during payment process

Mortgage: Other type of mortgage

Complaint: We purchased our home in XX/XX/XXXX. 3 months later a representative of Regions Mortgage came to our house ( unsolicited ) and offered us a 15 year, {$35000.00} 2nd mortgage. We accepted and made our payments via EFT. NOT ONE TIME did this lady explain to us that it was a balloon loan. We made our payments month after month, year after year, until last XX/XX/XXXX when we refinance our firstmortgage. The loan officer asked us if we wanted to include our 2nd mortgage to which I responded " No, we have almost paid that loan in full. '' Then when we checked our balance we discovered that we sill had about {$33000.00} to pay. I called regions Bank and asked them about the balance and that was when we found out that it was a balloon loan. Is there anything at all we can do about it now? My husband and I are not stupid people but when I found out that we had been paying all these years and were almost at the end of the 15 years I almost literally had a 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

2017-08-04

Fort Lauderdale, 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

2017-08-04

Citra, FL

Managing an account

Checking or savings account: Other banking product or service

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

2017-08-04

Dickson, TN

Closing on a mortgage

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

2017-08-02

Spring Hill, FL

Managing an account

Checking or savings account: Checking account

Fee problem
Complaint: On XX/XX/XXXX a company made a charge against my account without my authorization. I contacted the company, XXXX within 30 minutes of this charge and spoke with them in reference to this issue. They advised this was done in error and that the charge would be reversed, and that there should be no issue with my bank, as the charge would disappear and never process. On XX/XX/XXXX, Regions bank sent me a notice that two {$36.00} overdraft fees were levied against my account due to the 12 hours that the unauthorized charge was " pending '' in their online system. At no point was my account overdrawn, and at no point did the charge from XXXX clear my account. On XX/XX/XXXX I called Regions bank in reference to the {$72.00} in charges on my account. A customer service representative advised me that she would " take care '' of the fees charged " in error '' but later stated she needed to send me to escalations. I spoke to a XXXX XXXX at that time who refused to assist me and stated that I had " agreed '' to be charged fees for pending charges, even if they were fraudulent. He refused to refund the fees or allow me to speak to a supervisor with his bank. I advised him that I would close the account and file a complaint and he told me I should do that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-01

Houston, TX

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: XXXX XXXX XXXX XXXX {$9.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX {$1000.00} XXXX XXXX {$620.00} XXXX XXXX {$300.00} XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX {$22.00} XXXX XXXX XXXX XXXX {$9.00} I have filed multiple claims with Regions Bank theat the above transactions were unauthorized. All these transactions were made in a different state from when i live. They refused to refund the money to my account, stating I was responsible. I have filed a police report and sent Regions Bank supporting documentation. I was awarded a temporary credit but not for the 3 largest transactions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-08-01

IL

Closing on a mortgage

Mortgage: Conventional home mortgage

Complaint: Dealing with XXXX XXXX has been a nightmare. The statement for our construction loan provided by the bank was erroneous, and I contacted the bank to correct the problems. After being unable to resolve the issue with the Construction/Permanent Lending team member and the XXXX XXXX XXXX XXXX, I contacted the department manager XXXX XXXX He has acknowledged the errors in the statement but still refuses to correct them and provide an accurate 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

2017-08-01

Katy, TX

Managing an account

Checking or savings account: Other banking product or service

Fee 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

2017-08-01

Trouble during payment process

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

2017-07-31

Cocoville, LA

Problem with a purchase or transfer

Credit card or prepaid card: General-purpose prepaid 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 explanation

Timely Response

2017-07-31

Belleville, IL

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

2017-07-30

Saint Landry, LA

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: On XXXX XXXX, 2017, I opened a XXXX checking account at my local branch using the attached voucher for a {$400.00} bonus. I had met all the terms of the promotion to receive the promotional {$400.00} bonus as stated in the attached voucher including meeting all opening dates, transactional requirements, and enrollment requirements. The promotion further states that the {$400.00} will be credited to my account within 120 days of completing these steps. I completed the last of these steps on XXXX XXXX, 2017. As such, 120 days from XXXX XXXX, 2017, was XXXX XXXX, 2017. I did not receive my bonus. I called Regions bank on XXXX XXXX, 2017, to inquire about my bonus. At this time, I was told that my account was inactive. I had absolutely no way of knowing that my account was going to be inactivated, considering that I had followed the exact terms of the promotion. I received no e-mails, phone calls, postal letters, or notations on my statements about this issue. Furthermore, the terms of the promotion did not indicate that the account had to be active to receive the bonus. I was then directed to call my local branch to ask them about the issue. On the same day, XXXX XXXX, 2017, I called my local branch and talked to the branch manager. I then immediately e-mailed him ( e-mail chain attached XXXX the terms and conditions of the offer and he let me know he would research the issue. I have not had any resolution on the issue since then, and the branch manager has not responded to my last two e-mails, dated XXXX XXXX, 2017 and XXXX XXXX, 2017. Thus, I have reason to believe that Regions believes that by simply ignoring me, the issue will go away. It has now been 55 days past when the bonus was due.
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

2017-07-29

AL

Managing an account

Checking or savings account: Other banking product or service

Problem accessing account
Complaint: Can you reach out to @ XXXX and make sure they have my transaction data on time. That would help me so much, @ askRegions
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-07-28

Houston, TX

Charged fees or interest you didn't expect

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

2017-07-27

Kyana, IN

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I am a veteran, and college graduate. I feel that i have been mislead and deceived by Regions Bank in an attempt to take my home in foreclosure. For the past months I have been waiting for Regions to modify a loan or simple give me a yes or no answer on my multiple applications. I inherited the house from my father and the loan was in his name. On XXXX/XXXX/17 I faxed 24 requested to documents that were requested by Regions. I was told the process could take up to 45 days for the loan modification application. I could have but did not pay the back mortgage amount because I was waiting for a decision. I called In XXXX.I was asked again to submit the same packet of documents and a transfer of real estate document.I waited and again no response or decision. I contacted an attorney and called only to be told that they would only speak with my attorney. I was told that loan modification would allow me rewrite the loan in my name and not have to to pay the back mortgage. No response or explanation. This delay has only put me further behind and I now had to pay property tax on the house and other properties to avoid a tax sale. I owe XXXX on a house that is valued at XXXX. This a deceptive practice and I feel that the goal was extend the process for profit and foreclose..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-07-27

Birmingham, AL

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 non-monetary relief

Timely Response

2017-07-27

Mem, 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

2017-07-27

Little Rock, AR

Managing an account

Checking or savings account: Checking account

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

2017-07-26

La Barque Crk, MO

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 non-monetary relief

Timely Response

2017-07-26

Karns, TN

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