REGIONS FINANCIAL CORPORATION

2017-04-28

Key Biscayne, FL

Managing an account

Checking or savings account: Checking account

Fee problem
Complaint: Everything is about the abusive and unfair practices from bank institutions. I have an account with Regions XXXX , on Monday XXXX were claim to them to transaction s one fro m XXXX for {$30.00} another from XXXX for also {$30.00} the account was with a balance of {$160.00} they posted both transaction on Tuesday and took the money from my account making the {$60.00} unable and keeping the transaction posted but not clear. On Tuesday at XXXX XXXX in the revolving process between banks, a check for {$310.00} came and the account was with only {$100.00}. Due to the short they have the right to charge an overdraft fee which I consider fair {$36.00} but what it is a theft is two extra overdraft fees a total of {$100.00} dollars for the transaction which they kept unclear but already made the debit from the fund which were there on Monday XXXX when the claim from XXXX and XXXX came. I want my {$72.00} Dollars back from the {$100.00} They charged to me on Wednesday. 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

2017-04-27

Fort Lauderdale, 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

2017-04-27

Plymouth, FL

Incorrect information on your report

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

Account information 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

2017-04-27

Fort Lauderdale, FL

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

2017-04-27

Mobile, AL

Managing an account

Checking or savings account: Checking account

Fee problem
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

2017-04-26

Columbia, TN

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

2017-04-26

Birmingham, AL

Managing an account

Checking or savings account: Other banking product or service

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

2017-04-26

Ft Myers, 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

2017-04-25

Manor, DE

Fees or interest

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

Problem with 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

2017-04-25

Magnolia, TX

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: Card number ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX Las t 4 of SS # XXXX I am reporting a matter that I am having with Regions Bank. I was scammed by a company claiming to provide work from home services but the program is not legitimate. I informed the bank and they are refusing to honor a legitimate claim. ( 1 ) XXXX XXXX XXXX {$7.00 } ( 2 ) XXXX XXXX XXXX {$19.00 } I need t hese funds returned at once. Please assist me in this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-04-24

Atlanta, GA

Incorrect information on your report

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

Information belongs to someone else
Complaint: XXXX is reporting an account under my name, social security number, date of birth and drivers license that does not belong to me. I have contacted XXXX before and provided them a copy of my police report, drivers license and social security card, but they have refused to properly investigate this matter. All they have done was told me that they verified the information to be mine using my personal identification when I have plainly and clearly told them and provided proof that I was a victim of identity theft, and they have refused to act in accordance with the laws that govern reporting information against consumers. They are reporting the following information against me and it is not mine and as a result of identity theft Regions Bank XXXX XXXX XXXX XXXX XXXX , AL XXXX Reported Name XXXX XXXX Reported Address XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX Reported SSN : XXXX Drivers License : ( Bla nk ) RTN : XXXX Account : XXXX Reported for NSF : Amount : {$130.00} Paid in full settled This is not my account and I do not owe this and never did and I want this removed from my credit file
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

2017-04-24

Atlanta, GA

Incorrect information on your report

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

Information belongs to someone else
Complaint: I have contacted Regions Bank, XXXX , XXXX XXXX XXXX about fraudulent information contained in my consumer file with XXXX . Several accounts were opened in my name using my correct personal information when I was the victim of identity theft. I have provided a copy of my police report, drivers license, and social security card to these business and made them fully aware that these accounts were not mine and they have refused to act in accordance with the laws that govern the reporting of such information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SC XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported SSN : XXXX Account Number : XXXX Routing Number : XXXX Date Reported XXXX / XXXX / XXXX Reported for NSF Closure Status : Unpaid Closure Status Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX Reported Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Reported SSN : XXXX Drivers License : ( Blank ) RTN : XXXX Account : XXXX Reported for NSF XXXX Amount : {$130.00} Paid in full settled I have properly notified all XXXX of these companies that these are not and were not my accounts and respectfully requested they remove this fraudulent information and they have refused to do so.
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

2017-04-21

Billerica, MA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2017-04-20

Pensacola, FL

Account opening, closing, or management

Bank account or service: Checking account

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

Disputed: No Timely Response

2017-04-20

Gamaliel, KY

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: they charged me overdraft fees a bunch of times
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-04-20

Oxford, GA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I received a check from XXXX XXXX for approximately {$7000.00} for vehicle repairs. The check was made out to myself, my wife and the body shop where we received an estimate. My wife and I had not made a final decision regarding the repairs. We had planned on finding a more competitive estimate. We deposited the check in to my Regions Checking Ac count. Regions not only froze the check ... but my entire account. They told me it was improperly endorsed due to the fact that the body shop had not signed the check. This has been going on for ove r 3 week s. According to XXXX XXXX ... Regions has CASHED our check. The insurance company is willing to re-issue the check but must get it back from the bank first. Regions is refusing to return it and telling me I must physically bring a representative from the body shop in to the bank to endorse. Once again ... XXXX XXXX is saying the CHECK HAS BEEN CASHED. It would appear the only party benefitting from the insurance settlement is REGIONS BANK at this point. I want regions to clear that check ... and deposit in to my account and stop holding my money hostage. They should not have the right to CASH the check and hold the funds. If there was a problem ... they should have returned the check NOT cash it and HOLD THE MONEY earning interest. This is upsetting to me and I feel like the bank has overstepped their powers ... and is acting like they get to decide things they have no jurisdiction over. Give me my money. I will worry about the body shop and state farm and my personal business. Three weeks is ridiculous. Time to move on. If there was concern about the endorsement ... enough time has now passed to clear the check. Please contact XXXX XXXX at Regions Bank in XXXX , GA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-04-20

Homestead, FL

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2017-04-19

Knoxville, TN

Loan modification,collection,foreclosure

Mortgage: Other mortgage

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

Disputed: No Timely Response

2017-04-19

Atlanta, GA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2017-04-18

GA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I deposited a check at my Bank 's ( Regions Bank ) ATM on the XXXX of XXXX . This check was an insurance check that was issued to me by my Insurance co mpany - XXXX . The check has my vehicle finance company on as lien holder which requires their endorsement. This was the first XXXX party ch eck I have ever received and I had deposited without the lien holder. I reached out to my Insurance company XXXX to see if they can cancel the check and re-issue a n ew one tha t I can get proper endorsement from my lien holder. XXXX informed me that Regions has taken the funds from their account and currently possess the funds, as such, They can not cancel the initial check and re-issue another one. My B ank sent me a letter advising that they will make my funds available after XXXX days on th e XXXX of XXXX . This was extremely disappointing and I cou ld n't imagine why my bank would hold my funds for more than XXXX days. Today is XXXX XXXX ( XXXX XXXX days aft er my deposit ) and I still have not received my funds from Regions. Regions Bank have treated me and my family like XXXX , they could care less what financial or emotional impact their terrible treatments have on their clients. At this point I feel completely powerless and I am hoping that the CFPB can help to get my funds from Regions immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2017-04-18

Marietta, GA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Back in XXXX of 2010 I filed a Chapter XXXX Bankruptcy it was discharged in XXXX o f 2010 for s ome reason my Regions Mortgage was not reaffirmed. Since then they refuse to report my loan to any of the credit bureaus. My payment book comes in the name of my wife and myself, I 'm listed on the mortgage account on the warranty and security deed as well as the note. I call Regions mortgage and get a plethora of misinformation as to why they wo n't help me in any way. They portfolio my loan and have denied me a loan modification, HARP loan and even a hardship. I do everything I am supposed to make my payment on time every time and they continue to deny me the ability to refinance or reduce my 5.25 % 30 year fixed rate mortgage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-04-18

Collinsville, IL

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2017-04-17

Little Rock, AR

Forbearance / Workout plans

Credit card:

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2017-04-17

Reno, TX

Managing the loan or lease

Consumer Loan: Vehicle loan

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2017-04-17

Knoxville, TN

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: My loan was sold to Regions Mortgage. I received a threatening letter concerning the status on my insurance. The Regions insurance representative informed me that YOU at the CFPB write the letters and that they are the only letters that can be sent out. It is rude, grammatically incorrect and threatening.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response