REGIONS FINANCIAL CORPORATION

2017-07-14

Belleville, IL

Other service problem

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

2017-07-14

Incorrect information on your report

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

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

Timely Response

2017-07-13

Clayton, MO

Managing an account

Checking or savings account: Other banking product or service

Problem making or receiving payments
Complaint: I need to be able to use the new XXXX 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

2017-07-13

Carson, MS

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: I use Regions Bank and have 2 checking accounts and one savings account. I have the both checking account set up for taking out of savings if if checking accounts overdraft. I also called to have secondary checking account draft money from main checking account if not enough in savings. Last night my second checking account overdrafted. and there was not enough in savings but I was charged a {$36.00} fee because money was.not drafted from primary account account. I called and was told money can not be drafted from primary account to cover secondary account. I told the supervisor that I had called a couple months back and service representative said I could draft from primary account. This bank is practicing unfair trade actions and should be avoided
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

2017-07-12

Cutler Bay, 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 non-monetary relief

Timely Response

2017-07-09

Casselberry, FL

Closing on a mortgage

Mortgage: Home equity loan or line of credit (HELOC)

Complaint: I successfully qualified for a HELOC loan from Regions Bank. During the loan process I was quoted rates for their Loan in a Line program verbally. At the time they were : 1. 3 year 3.375 % 2. 5 year 3.625 % 3. 7 year 3.625 % 4. 10 year 4.125 % When I went to closing on the HELOC loan the contract read rates much differently : 1. 3 year 5.65 % 2. 5 year 6.05 % 3. 7 year 6.75 % 4. 10 year 7.45 % I questioned the rates and were told these were n't the rates and they called the bank to get the current rates, which were the same as the lower rates listed at the top. I said that the contract did n't reflect those rates. I was told that once the funds were disbursed ( if I closed ) the rates would be the verbal rates. I told them I did n't think they were lying, but the contract did n't reflect what they were telling me. They asked if I would close if they could get a letter specifying the verbal rates were good for 30 days. I said yes. The next day the bank refused to put the verbal rates into writing and thus I did n't close on the loan. I only had 7 days to try to come up with financing or lose my deposit I had on a piece of land ( {$19000.00} ). During the next week Regions called to tell me the verbal rates had gone down and asked if I wanted to close the loan. I told them not without the rates in writing. Due to their verbal rates not matching their contract, I was not able to close the loan and thus loss my {$19000.00} deposit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-07-07

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

2017-07-07

Tampa, FL

Closing your account

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

Company closed your account
Complaint: I HAD FRAUD ON my credit card they refused to credit my charges even though i filed a police report and i was in XXXX when this fraud happened so i filed a complaint with the cfpd and when i filed the complaint they closed my account according to XXXX at the XXXX XXXX branch, he told me XXXX some lady closed my account because i filed a complaint, im pretty sure this is illegal and its retaliation for me coming to you guys to file my complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-07-06

Eight Mile, AL

Unexpected or other fees

Credit card or prepaid card: Government benefit card

Complaint: My government feeds are not coming on to my card and I need the problem fix today
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-07-06

Nashville, 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

2017-07-06

Plymouth, 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

2017-07-06

Bethlehem, GA

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: On XX/XX/XXXX I noticed two fraudulent charges to my checking account, one for {$18.00} at a XXXX in XXXX, GA, and one for {$1000.00} at a XXXX XXXX XXXX XXXX in XXXX, GA. I still have my debit card associated with this account. I reported the fraudulent charges the evening of XX/XX/XXXX, my bank cancelled the card, and mailed me a new one. The bank stated nothing could be done until the charges posted to my account, and I should call the businesses to see if there was anything they could do in the meantime. The following morning of XX/XX/XXXX, I called XXXX and was told there was nothing they could do. I called XXXX 's XXXX XXXX and spoke to a manager named XXXX, he stated he was the one who ran the transaction the previous day. He stated the guy had a physical card with my card number and expiration date on it, a different name and CVV code, and a driver 's license that matched the name on the debit card. He also stated the card was run as a credit card, the guy signed for it, and the name listed on the receipt was the same as the name on the card and driver 's license. I informed my bank of the information. The charges did not post to my account until the morning of XX/XX/XXXX, at which time I called my bank and an official claim was started. I was advised that the process could take up to 10 business days. After 9 business days I had not heard anything so I contacted my bank on the evening of XX/XX/XXXX. They stated, " I have reviewed your account and our records show that your claim in the amount of {$1000.00} & {$18.00} has been reviewed and resolved. Our records show that the claim was unsuccessful because there was no indication of fraudulent activity with the transaction. '' My bank was closed the following day for XX/XX/XXXX. The morning of XX/XX/XXXX I made contact with a social media representative, XXXX, of my bank. She asked for me to direct message her my phone number and she would be in touch with me. The morning of XX/XX/XXXX I received a call from XXXX, she transferred me to the fraud claims department at my bank. After telling them again I did not make the two fraudulent charges, they reopened the claim for further investigation. I was told the process could take another 10 business days. I filed a police report in XXXX County ( the area in which the fraudulent charges took place ) with the above information. I then filed a police report in XXXX XXXX County ( the area in which I reside ) with the above information including the case number of the other police report. I went to my nearest bank branch and asked them attach the two police reports to my claim. I have yet to hear anything from my bank concerning a resolution or any actions taken.
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

2017-07-06

San Antonio, TX

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: In XX/XX/XXXX Regions Bank started offering a promotion of {$400.00} to sign up for one of their life green checking accounts and meet certain account conditions for those that signed up via email for the offer. On XX/XX/XXXX I signed up, via email, for the {$400.00} promotional offer. On XX/XX/XXXX, I applied for and opened a LifeGreen checking and savings account at their Shoppes At XXXX XXXX Branch in XXXX, Texas. <P/>The promotion details stated that I must, open any personal LifeGreen checking account by XX/XX/XXXX, make 10 purchases with your Regions Visa Check Card ( Purchases must post within 60 days of account opening ) and enroll in Online Statements through Online Banking ( within 60 days of account opening ). These requirements were met on XX/XX/XXXX. The stipulations further stated that the {$400.00} will be credited to your new account within 120 days of completing these steps. <P/>120 days later on XX/XX/XXXX, my bonus still had no posted. I contacted Regions bank and after a few weeks of waiting they informed me that my account has been soft closed due to carrying a XXXX balance and that because my account was soft closed that I was not eligible for receive the bonus as my account wasnt open at the time of issuing the bonus. <P/>After reading through the deposit agreement and their pricing schedule it has become apparent that Regions does not specify a minimum account balance to keep an account open and that they are just using this as an excuse to not pay out the bonus that I rightfully deserve. Regions only mentions what they consider to be inactive accounts on their pricing schedule sheet and it states that An inactive account is defined as an account having no customer-initiated activity for a period of 92 consecutive days. I have had a deposit and a withdraw every month since I opened the account, therefore, I know that my account has always been active and they wrongfully, if not illegally, soft closed my account.
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

2017-07-05

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

Timely Response

2017-07-05

Berry Hill, TN

Problem with a lender or other company charging your account

Checking or savings account: Other banking product or service

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

2017-07-05

Fort Worth, TX

Opening an account

Checking or savings account: Checking account

Unable to open an account
Complaint: My account balance w as discharged i n a Chapter XXXX Case # XXXX filed XX/XX/XXXX and converted to a Chapter XXXX XXXX file d XX/XX/XXXX . To date the financial institution has continued to report my account negative to XXXX XXXX . I w as granted relief from this debt and I want the account removed from XXXX XXXX immediately.
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

2017-07-05

Boynton Beach, 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 non-monetary relief

Timely Response

2017-07-04

Lithonia, GA

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

2017-07-03

Austin, TX

Opening an account

Checking or savings account: Checking account

Account opened as a result of fraud
Complaint: I was notified that a personal checking account was fraudulently opened online with a bank that I have never even heard of. I have never lived at the address they have on file for me which they say they sent debit cards and checks to. I have attached to this a copy of my current lease showing where I currently live. If you check the dates of my lease you will see that I lived at my address long before and after these accounts were opened, abused and closed.
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

2017-07-03

Pflugerville, TX

Problem with a purchase or transfer

Credit card or prepaid card: General-purpose prepaid card

Charged for a purchase or transfer you did not make with the 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

2017-07-01

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

2017-06-30

Atl, GA

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

2017-06-29

Problem when making payments

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

Problem during payment process
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

2017-06-28

Dupo, IL

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

2017-06-28

Colo Spgs, CO

Fraud or scam

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