REGIONS FINANCIAL CORPORATION

2016-11-07

Jax, MS

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 monetary relief

Disputed: No Timely Response

2016-11-07

Fort Worth, TX

Customer service/Customer relations

Other financial service: Traveler’s/Cashier’s checks

Complaint: Earlier this year I was issued a check from Regions Bank for around {$20000.00}. I went there to cash it and they asked if it would be okay to get XXXX XXXX in cash and the rest in the form of a cashier 's check. Although I wanted the full amount in cash, I was understanding, due to the fact that this was a large amount. So, I have my cashier 's check, issued by the very same branch of Region 's bank here in XXXX XXXX, and they are refusing to cash it because my ID card does n't fit into the parameters set forth by their computer program. The thing is, it 's a very official ID that was issued by the XXXX with a very clear picture and I even brought a second form of ID with my picture on it. I just got released from State Jail and I do n't have a car or money to go around getting different forms of ID that fit into their box. I 'm the person whose name is on the cashier 's check, I have an official ID from the State of Texas ( it just is n't a drivers license like they want ). I know not everyone wants to walk around with large amounts of cash, but I 'm a lot more comfortable with keeping track of my money that way, and the whole point of a cashier 's check is that it can be redeemed for cash without any hassle.
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

2016-11-04

Using a debit or ATM card

Bank account or service: Other bank product/service

Complaint: it is impossible to contact my credit card. They provided an international phone number after I placed a claim here : it 's a fact, but that automatic voice service requires a social security number/ tax ID number/ telephone pin number. As a XXXX non resident XXXX, I do n't have a Social Security nr. I was never ever informed by the bank any telephone pin, I just have the regular pin that I use. I 'm trying to buy a wheel for my car, and it 's just impossible because I ca n't access Regions Bank Visa and they have n't authorized the purchase.
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

2016-11-03

Randolph, AL

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: Yes Timely Response

2016-11-03

West Palm Bch, 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

2016-11-03

Oxford, GA

Bankruptcy

Credit card:

Complaint: The 15 U.S. Code 1681g Section 609- Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. The date of first delinquency for this account was XXXX. Therefore, this negative event despite being included in chapter XXXX bankruptcy has met the 7 year reporting time frame to all XXXX ( XXXX, XXXX, and XXXX CRA ).
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

2016-11-01

Stockbridge, GA

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

2016-11-01

Fort Russell, IL

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

2016-11-01

NJ

Loan servicing, payments, escrow account

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

2016-10-31

Newport, TN

False statements or representation

Debt collection: Mortgage

Attempted to collect wrong amount
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

2016-10-31

Lake Worth, 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 explanation

Disputed: No Timely Response

2016-10-31

Conyers, GA

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

2016-10-29

Covington, GA

Problems when you are unable to pay

Consumer Loan: Installment loan

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

2016-10-29

Gretna, LA

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I received the complaint the response from the Regions Bank with complaint # XXXX whereas the bank did not answer the question about them charging overdraft the same day the overdraft occurred. Because of this situation, I have no alternative but to find another bank. I do n't want to be associated with Regions bank whereas they think only about themselves and not their custom. I am in the processing of changing bank because I was originally with XXXX was a better bank. Regions did not address my concerns. I want the company that oversees banks to see if Regions was violating the laws by putting through the overdraft the same day that the check came through. This was not the case. This is done if you have their overdraft protection. Please have the agency that oversees the bank look into this matter. The response that the bank submitted did not answer my complaint.
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

2016-10-28

Memphis, TN

Credit card protection / Debt protection

Credit card:

Complaint: Someone $ XXXX from my Regions checking account in purchases I did not make. To start, it 's very hard to get in contact with anyone on the phone. I called Saturday night, XXXX XXXX once I checked my account. After several tries and automated messages, the Associate told me all she could do was " cancel my card, b/c the charges were still pending. '' I waited until TUESDAY to call again and try to file the claim, but that associate told me that " it would be 10 days before I receive papers. '' Therefore, I went into the branch, assuming that it would be a faster process. XXXX XXXX XXXX XXXX took my claim. After waiting 10 days, with the implication that I would receive back my stolen funds, I call Regions early in the morning on XXXX just to find out that my claim was DENIED on XXXX/XXXX/16 b/c my pin was used on ONE of the purchases. The first issue is that the claim was denied a DAY after I submitted the claim but I waited 10 days to find out. The second, is that there could not have been a true investigation done in less than 24 hours. Furthermore, I assume somewhere in the process of filing the claim, a wrong charge was selected ( b/c I did use my card a couple times before checking my account to see someone else was doing the same! ) I just found out today XXXX that the file was denied and they are just now telling me to file a police report, which has been done. There are several issues wrong with this fraud dispute and leaving all of my personal cash with Regions, aside from the fact that I 'm behind on bills that need to be paid, why is the banks ' policy to let the money be stolen before doing anything? If you see it pending and I 'm calling you to report fraud ... .WHY LET IT GO THROUGH? Also, the amount of loop holes I had to go through just to get the process completed. I had to make several phone calls and a trip to the branch, just b/c I was not informed of certain things each time I talked to someone. Then, the lack of caring and understand from the associates as I am going through this process. I do n't understand how a bank does not send a warning or no one called me to tell me that huge purchases were repeatedly being made on 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

Disputed: No Timely Response

2016-10-27

Algiers, LA

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: No Timely Response

2016-10-27

Bakersfield, CA

Late fee

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

2016-10-26

LA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I have a first mortgage with Regions ( payoff {$10000.00} ) and a second with XXXX ( payoff {$9000.00} ). We received property damage XXXX/XXXX/16 from flooding in XXXX XXXX, La. Our insurance check is in the amount of {$230000.00}. I am trying to get XXXX to endorse the check so I can send it to Regions. I want to pay off both mortgages. Check was sent to XXXX via XXXX on Thursday and was signed for at XXXX in XXXX at XXXX on Friday. They advised they have 2 business days to process and return check. It is now Wednesday and they have not sent my check back to me. Even after NUMEROUS conversations with them that we are PAYING OFF REGIONS AND XXXX they still requested " monitoring procedures '' from Regions which has held the processing of the endorsement up. We are nearly 10 weeks post flood and I NEED to get my check so I can start paying people who are working on my house. We still have a 10 day hold to deal with at Regions AFTER they actually receive the check! I keep getting the run around from XXXX and am sick of it. Please advise what I can do. Help. Please!
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

2016-10-26

Hampton, VA

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

2016-10-26

Jax, MS

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: My Regions account ending on Saturday, XXXX XXXX, 2016 balance on the account ledger was XXXX $ ( from transactions made across the day ). Monday, the account ledger showed the same. Tuesday, XXXX XXXX, 2016, a NSF overdraft fee in the amount of XXXX was posted to my account. This NSF fee is what caused my account to be negative in the first place. The bank states that a pending transaction placed a hold on my account on Monday, XXXX XXXX caused all of my transactions from the weekend to be negative although this charge did not show on my account ledger and money to cover all charges was present in my account. The abovementioned charge was not visible on my account ledger and once it posted, it also caused a NSF. This is ridiculous ; banks use " posting '' order to justify charging NSF overdraft fees. I spoke with a manager at the bank ; she refused to return the NSF courtesy fees. As a result of their posting order shenanigans, I have been charged a total of near XXXX $ in NSF fees.
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

2016-10-26

Hickory Hill, 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 explanation

Disputed: No Timely Response

2016-10-25

Naples, 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 non-monetary relief

Disputed: No Timely Response

2016-10-25

Arlington, TX

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

2016-10-25

Bessemer, AL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed 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

2016-10-25

N San Juan, 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 explanation

Disputed: No Timely Response