REGIONS FINANCIAL CORPORATION

Consumer Complaints

There are over 4264 complaints on file for REGIONS FINANCIAL CORPORATION. Dated between 2019-11-29 and 2011-12-02.

Complaints Page 64

2017-02-21

Chickamauga, GA

Problems caused by my funds being low

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

2017-02-17

Arlington, TX

Problems caused by my funds being low

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 explanation

Disputed: Yes Timely Response

2017-02-17

Brentwood, TN

Using a debit or ATM card

Bank account or service: Other bank product/service


Complaint: I attempted to make a withdraw from a Regions ATM in the amount of {$280.00} from an XXXX XXXX XXXX card. I use this ATM several times a month in varying amounts without issue. Today I received an error message after submitting my withdrawal and I was not given the cash requested or a receipt. My XXXX account was debited for {$280.00} to include the fee charged. After contacting Regions about this issue, I was told they have no record of the transaction and would not be able to assist me whatsoever. Their ATMs error is costing me considerable financial strain. I needed this money to pay my car payment which will now be late and runs the risk of repossession.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2017-02-16

Peoria, IL

Problems caused by my funds being low

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

2017-02-16

Birmingham, AL

Problems caused by my funds being low

Bank account or service: Checking account


Complaint: I have 2 accounts with Regions Bank with the ability to transfer money between the 2. I made a purchase, accidentally using the wrong account. When I logged onto my account on Tuesday, XXXX, I realized the mistake and saw there was an overdraft fee. I was upset, but I realized it was my error. I did n't immediately transfer money because I was trying to contact the company that authorized the charge. The problem began when I logged in today and saw they had charged a second overdraft fee for the same purchase. When I called customer service, the rep was rude and condescending. He stated that the charge was pending and that caused the first overdraft fee and the second fee was from when it cleared. While I did have another transaction clear earlier in the day, there was enough in the account to cover this. When I asked for the second fee to be removed, he was extremely rude and offered to give me {$18.00} back. That {$18.00} was out of a total of {$72.00}. I was unhappy with this solution and his response was " I 'm not giving you any more money, XXXX XXXX. You can stop. '' I also asked why the measly {$12.00} could n't be taken out of my other account WITH THE SAME BANK and he said that he could n't link the two and I would have to open up a savings account ( which I believe is just a way to force customers into opening MORE accounts with Regions ). This is very frustrating for me, and hard to understand, because my family went through financial troubles a couple of years ago and, at the time, my husband 's name was on my account as well. His account went into default and they managed to seize ALL of the money in our joint account to offset his. It appears this bank has no trouble moving funds when it is for their benefit, but not when a customer makes an innocent mistake over {$12.00}. I 'm disgusted by the way I was treated, offended by the tone of voice he used with me, and most of all, disappointed with the bank I have trusted for many years with my finances.
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

2017-02-15

Memphis, TN

Deposits and withdrawals

Bank account or service: Checking account


Complaint: I opened account with Regions bank on XX/XX/XXXX.Today, XX/XX/XXXX, my wallet was stolen. I immediately called police and the Regions branch on XXXX XXXX XXXX XXXX, XXXX TN XXXX where I first opened my account at as it was the only quick Regions number I could find from the binder I was given when I opened the account.I never used my cards for once since I opened the account. I spoke to the branch manager named XXXX XXXX XXXX and requested that he should stop both my debit and access cards because someone just stole my wallet. He told me he did stop the cards and I should not worry and my money is still there. I asked him over and over to make sure whether or not I should call another number to stop the cards or if he could transfer me to the fraud department.He did not refer me or transfer me to the Regions bank fraud department.He told me that he has handled it and told me I should n't worry again. An hour later while I was making the police report, XXXX XXXX called me and told me that he has let a lady and a man withdraw {$3400.00} out of my account and he told me it 's because they had my ID and everything so he gave the money. This seems like he made a deal with the thieves.This is unprofessional and how can someone withdraw my hard earned money simply because they had my ID? I have the phone records.I called the police and the bank about the same time.An hour later he let the thieve get my hard earned money.
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

2017-02-15

Tampa, 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 monetary relief

Disputed: No Timely Response

2017-02-14

P C Beach, FL

Problems caused by my funds being low

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: Yes Timely Response

2017-02-14

Tampa, FL

Problems caused by my funds being low

Bank account or service: Checking account


Complaint: On the morning of XX/XX/XXXX I went online to make a transfer from my savings account into one of my checking accounts with Regions Bank. I noticed in my online portal that there were some pending charges. I also noticed that I was assessed an overdraft fee of {$100.00}, however, the balance at the time the fee was assessed was not negative. I completed my transfer and called to get clarification. The representative told me that while the pending charges had not been taken from my account ( or even been requested from the merchants ) they had preemptively applied them to my balance, thus creating a negative balance and charging XXXX separate overdraft fees to previously made transactions that had already posted, even though the balance after these transactions was still positive. I was rather confused, because this same policy is not applied to deposits, even if transferred with another account within the same bank. When I pushed the issue, I was told that my banking portal was not the same portal that the bank uses, and therefore they were seeing charges and assessing fees based on their interface. Basically, while customers have access to the transactions on their account right away in the portal, the online interface does not calculate balance in the same way that the associate interface calculates balance. So, while customers see that transactions have been covered with a running, positive balance, the bank sees something different. This is deliberately deceptive and misleading. Although the bank claims that this online banking interface is just a " tool, '' the fact that they do, in fact, have access to information that they are not updating in the portal leads to issues with customers ' understanding of their bank balance, especially when transactions are posted in the customer portal in such a way that it appears that the balance available is still positive. Assessing fees based on projected fund withdrawal, while not counting projected funds deposited is unfair and, at best, questionable. I would be interested to know how much money Regions bank has stolen from customers by assessing fees based on projected account activity. If this is their policy, then all customers should have access to the same account information through a comparable interface, rather than one that is intentionally set up to confuse and manipulate the customer. Surely, this ca n't be a fair and ethical practice.
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

2017-02-13

Lenoir City, 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

2017-02-13

Doral, FL

Problems caused by my funds being low

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

2017-02-13

Fairfield, AL

Application, originator, mortgage broker

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: Yes Timely Response

2017-02-13

AR

Loan servicing, payments, escrow account

Mortgage: FHA mortgage


Complaint: In accordance with the Uniform commercial Code, I used legal tender in the form of a unconditional, readily saleable promissory note, that can be financially traded or monetized very easily by the Banks ; to pay off our remaining balance on our mortgage debt in full, to Regions mortgage Bank. I sent Regions Bank a legal notice, with the promissory note, that indicated to them, that if they refuse my legal tender for payment, to send me back the promissory note, with a written explanation, as to why they are exempt from legislation ; however, Regions mortgage only sent me back a letter stating that my promissory note, does not constitute valid legal tender, and is not an acceptable form of payment, etc ..., etc. What I do n't understand, is why Regions Mortgage would say that my promissory note is not legal tender, when the UCC clearly states that it is ; and I sent them many different sections of the UCC that explains how the promissory note is legal tender. What I found to be ironic was, even though Regions refused to apply my legal tender towards paying off our mortgage debt, they kept my promissory note, which is unlawful, because the promissory note is equivalent to cash money, based on what the banking dictionary says in the XXXX addition by XXXX XXXX XXXX ; which is, the definition of money is a promise to pay, or to owe, because it 's not backed by gold and silver anymore. When Regions mortgage kept my promissory note, it was the same as keeping someone 's cash money and refusing to apply it towards their debt, and that is very unlawful! Also in the UCC, it states that if legal tender is refused, then the debt is discharged ; and according to XXXX XXXX, I am a XXXX with the right to use promissory notes with the banks ; and last but not lease, the Federal US court of appeals ruled on title 31 USC 5118, as of XX/XX/1977, legal tender for discharge of debt is no longer required ; that is because, legal tender is not in circulation at par with promises to pay credit. Requirement of repayment of debt need only be made in equivalent kind ; a negotiable instrument, which is what a promissory note. Also, Regions kept XXXX of my promissory notes that I sent them.
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: Yes Timely Response

2017-02-08

Clive, IA

Deposits and withdrawals

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

2017-02-08

Lenoir City, TN

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

2017-02-08

Redondo Beach, CA

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 non-monetary relief

Disputed: No Timely Response

2017-02-07

Fort Myers, FL

Delinquent account

Credit card:


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

2017-02-07

TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: After review of my report I have made several efforts to have this account removed through the credit reporting agency. I took steps to freeze all my credit reports and file a police report to protect my name. The company has decided not to communicate with me over any of my requests that have been submitted. These accounts I have no Knowledge of the account that the reporting company has on my credit reporting account. I have repeatedly attempted to remove the account an the company and the credit reporting agency has not contacted me. According to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. With in 30 days.
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

2017-02-07

San Jacinto, CA

Unauthorized transactions/trans. issues

Prepaid card: Payroll card


Complaint: Someone used my prepaid card. I contacted them immediately and told them that I was working at the moment, and I asked them to stop the transactions. Ive already sent them proof. But they told me to speak to the store, and the store told me that they cant do anything. Several days have gone by nowthis happened on XX/XX/2016, and I still dont have an answer.
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

2017-02-06

Lawrenceville, GA

Deposits and withdrawals

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 explanation

Disputed: No Timely Response

2017-02-06

Knoxville, AR

Making/receiving payments, sending money

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 explanation

Disputed: No Timely Response

2017-02-06

Jackson, MS

Managing the line of credit

Consumer 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 monetary relief

Disputed: No Timely Response

2017-02-03

Atl, GA

Problems caused by my funds being low

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

2017-02-03

Cleveland, TN

Billing disputes

Credit card:


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

2017-02-02

Mem, TN

Problems caused by my funds being low

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


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