REGIONS FINANCIAL CORPORATION

2016-11-26

Ft Myers, FL

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: On XXXX XXXX, 2016, I activated a Regions Cashback Rewards offer to earn {$75.00} cash back when I made XXXX transactions with XXXX XXXX XXXX of at least {$15.00} using my Regions debit card. I made XXXX transactions of at least {$15.00} on XXXX XXXX, 2016. Per the terms and conditions " Your {$75.00} Cash Back is earned within 30 days after making your second transaction. '' As such, the {$75.00} was earned on or about XXXX XXXX, 2016. To date, the {$75.00} has not been paid out by Regions bank, despite confirmation from that the purchases qualified. I have contacted Regions in attempt to resolve this matter prior to contacting the CFPB, however the response I received was that it actually takes 60 days to post these funds to my account. Unfortunately, that is in direct contravention to the explicit terms and conditions of the offer.
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

2016-11-25

Miami, 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

2016-11-25

Russell, IA

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 monetary relief

Disputed: No Timely Response

2016-11-23

Newnan, GA

Using a debit or ATM card

Bank account or service: Checking account

Complaint: I have on XXXX occasions disputed charges from my Regions Bank debit card linked to my Regions Bank Checking and Savings account, which were made that were the result of fraud. In XXXX, my debit card was lost and charges were made at XXXX XXXX for over {$300.00} dollars, from XXXX XXXX for over {$20.00} dollars, and an ATM withdrawal debit for over {$500.00} was made. I immediately contacted Regions via telephone and was told that until the charges actually posted, nothing could be done other than to cancel the debit card and re-isssue another XXXX. After the fraudulent charges posted, I went into the XXXX GA branch and filed a formal dispute along with signed affidavits. After waiting over 10 days, on XXXX XXXX I contacted Regions bank again via telephone and was told that the claims were denied due to the fact that the PIN number had been entered correctly on the ATM withdrawal and due to that, the other dispute claims denied as well. When I informed the representative that my PIN number was NOT written on the card, but that I did have the PIN number on a piece of paper enclosed in the same wallet that was lost which had my Regions Bank Debit card in it. I was told by XXXX XXXX XXXX of Regions Bank that she would appeal this and resubmit the dispute as long as I submitted a police report to Regions, which on XXXX XXXX I did submit a police report to Regions Bank and emailed it to : XXXXXXXXXXXX. As of XXXX XXXX, I have not been credited back for the XXXX fraudulent charges made on my Regions Debit card, nor the fraudulent ATM withdrawal which was made with the same card. Not only has Regions failed to credit me back for these debits, they also have n't credited me back any of the numerous {$36.00} dollar NSF fee 's they have debited my account for. I am a XXXX American and rely on my Social Security money as my sole source of support, and this money is directly deposited into my Regions Bank Savings account. When I received my XXXX Social Security funds into my Regions bank account, a significant portion of this money was immediately taken by Regions to cover the over {$860.00} my checking account was at that time overdrawn by, directly as a result of these fraudulent debits and Regions subsequent illegal debit of fees charged to me. I find Regions Banks actions in this matter to be bordering on Criminal
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

2016-11-22

Huntsville, AL

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

2016-11-22

Huntsville, AL

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

2016-11-22

Plymouth, FL

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: Regions bankcard ... took dog to vet went to pay for services and it said when they ran it refer to card owner ... ran three times didnt work. Call and used 23 minutes of data before they bothered to answer., no music over and over how they won first place with banks for service. No one ever ever sent me an email or text stating that my card had been shut down due to a suspected attempt of use in NY. So they just dont tell you and you are in with dog at vet and you cant use it. TERRIBLE. In addition while im here they changed their website and it has something called insights and you cant get it off. How i spend my money is my business. At my other bank they took it off, I am not married my father is deceased i control my own money and dont need regions to budget my money. It was also very embarrassing that my card was turned down in front of everyone.
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

2016-11-22

Tibbs, MS

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: Account has been closed and kept being overdrawn.
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

2016-11-21

Pulaski, MS

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 explanation

Disputed: Yes Timely Response

2016-11-21

Pensacola, 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: No Timely Response

2016-11-21

Tampa, FL

Account opening, closing, or management

Bank account or service: Savings 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

2016-11-18

Hillsboro Bch, FL

Communication tactics

Debt collection: Credit card

Called after sent written cease of comm
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

2016-11-18

Hanceville, AL

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 explanation

Disputed: No Timely Response

2016-11-18

TN

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: My husband and I are on XXXX. I have been trying my best to keep up with our bank acct at Regions Bank. I have gotten all my statements together and in 2016 so far they have taken out overdraft charges in the amount of XXXX and returned item fees in the amount of XXXX. I went to the bank and my account was getting hit by debits that i did not authorize. The bank said that when my acct was in the XXXX i could come back and open another acct. We are on a fixed income and can not afford these charges. Please tell me what i can do. Our checks are direct deposited so they just keep hitting me with charges and my house payment and utility bill has been returned unpaid so many times that i can not write a check anymore. As you can see i would have more than enough money to pay my bills if i was not PAYING the bank!!! PLEASE HELP ME
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

2016-11-16

Summerfield, FL

Other transaction issues

Money transfers: 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

Disputed: No Timely Response

2016-11-15

Jackson, MS

Credit decision / Underwriting

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

2016-11-15

Birmingham, AL

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: In XXXX, XXXX I applied for and was approved for an FHA Mortgage through Regions Bank/Mortgage. At the time of application, and at the closing I was told that after 5 years of paying the PMI/FHA Insurance, and no late payments that amount would be dropped from my payment, thereby reducing my monthly mortgage payment. There has never been a late payment. Each payment has been made on-time. Last year ( at the 5 year mark ) I contacted Regions Mortgage Department about removal of the PMI/FHA Insurance charge on my monthly payment. They agreed and said they would look into it. They came back and said - That is correct that after 5 years the PMI/FHA Insurance could be removed ; however, the balance of the mortgage required to removed the insurance would not be reached until the year like XXXX. Not only is this upsetting, it is fraudulent and deceptive. If that 's the case they are leading people by a deceptive and corrupt practice by telling them the PMI Interest will drop off after 5 years ; when they are the ones generating the amortization tables and they know that balance would not be reach for another 3 to 4 years. I have contacted them numerous times about this and each time the tone is deceptive and misleading. Personally I would like to begin a class action law suit. I have contacted them multiple times over the last year asking them to continue to send me paper statements via USPS. They have yet to do that. Your help in resolving this deceptive practice for both myself and other customers is greatly appreciated.
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

2016-11-14

Mayfield, KY

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

2016-11-14

South Florida, FL

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 monetary relief

Disputed: Yes Timely Response

2016-11-14

Bywater, LA

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

2016-11-14

Harvey, LA

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: No Timely Response

2016-11-10

Pinellas Park, FL

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I am opted in to overdraft coverage, and unfortunately overdrafted my account by {$1.00}, with no charges smaller than that ( meaning it was only XXXX charge that sent me over ). I then was charged XXXX {$36.00} OD fees for a total of {$100.00}, leaving my account at $ XXXX. When I called Regions to sort out, they said that the way the charges were pending is what caused it, and that it was not a mistake.
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

2016-11-08

Colburn, IN

Customer service / Customer relations

Credit card:

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

2016-11-08

Cocoa, FL

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: On XXXX/XXXX/2016 I had {$7.00} in my account when I was out and about and did not write a transaction correctly so I believed I had {$7.00} in my account. I went to purchase a meal for {$6.00} and I went to the XXXX store to get something printed for {$.00} and I did not check my account till the next day since I believed I was fine, I come to find out that not only was I hit with an overdraft protection transfer fee for a service I opted out but it was a transfer of {$.00} and then they charged me XXXX NSF 's. I went to the branch and they refunded the fee and refused to refund me the XXXX NSF fees because they can only refund fee 's as a courtesy even if its a bank error. So they told me they can file a complaint for me or I can sue but I wo n't be getting my money back. That was today and they refuse to fix the mistake as advised by the financial services specialist.
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

2016-11-08

Dunnellon, FL

Using a debit or ATM card

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 monetary relief

Disputed: No Timely Response