REGIONS FINANCIAL CORPORATION

2016-10-07

Albany, 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

2016-10-07

Clarksville, 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

2016-10-06

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 monetary relief

Disputed: No Timely Response

2016-10-06

Birmingham, AL

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

2016-10-04

Windermere, FL

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

2016-10-04

Atl, GA

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: No Timely Response

2016-10-03

Chalmette, LA

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: No Timely Response

2016-10-03

GA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I had an account with regions i told them I didnt want to set up auto transfers and they did it anyway after i noticed it i canceled future transfers and now they transfered money from my checking to my savings and charged me a XXXX dollar fee and then went into my savings and took XXXX dollars out for a monthly maintnece fee this has to be illegal i understand the XXXX dollar fee and i would have to pay that each month but to charge my account for putting money from my checking that was XXXX cents into my savings all within the same bank and now my account is closed and i cant get an account due to this i am negative XXXX dollars and refuse to pay this for i didnt cause this and it is just a way for them to make money and i want this fixed and they offered me a settlement that still works in there favor taking XXXX dollars off the balance that isnt an offer or settlement and someone needs to do something about this bank they need to be shut down and given to another bank they are horrible people
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

2016-10-03

Key Biscayne, FL

Deposits and withdrawals

Bank account or service: Checking account

Complaint: The reason for this complaint is due to an overdraft that Regions bank did to my account. Let me explain : I had a positive balance in my account and they charged me XXXX dollars overdraft fee for XXXX transactions a total of {$180.00} ; I went to the branch and they told me that the " future purchases '' did the overdraft on my account, I 'm attaching a copy of pending transactions for you to review. This is a small business account and they put me under stress, given that I needed that money for some bills I needed to pay. ( electricity, internet etc. ) which are very important for me because I need them to run my business. I truly will appreciate if you help me with this situation. sincerely, XXXX XXXX.
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

2016-10-03

Oxford, GA

Using a debit or ATM card

Bank account or service: Checking account

Complaint: On XXXX I made a overnite deposit due to the ATM at the XXXX GA location being down. On XXXX I called XXXX to find out why it did not post. I talked to XXXX who refunded the NSF and put a total block on card for overdrafts. He said that if no funds are in the account no transactions will go through. XXXX at XXXX location XXXX who said that they do n't make deposits from the overnite deposit box on weekends. ON XXXX, charges from XXXX as a trial period ended went through. On XXXX I talked to XXXX at the call center who said that a partial block was on and any recurring charges will post to avoid embarrassment. She proceeded to put a total block on the card for overdrafts and sent me a claim form since I was not told about the reoccurring charges. After I sent the form in they sent me a letter and said that there was no error for the $ XXXX {$36.00} nsf charges.
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

2016-09-30

FL

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Regions Bank, I am submitting a claim on my credit card because I have been scammed. I was lead to believe they were going to help me with a Federal Grant. I was going to try to help out my sister because she has been out of work for several months, help my son get a business started, etc. They have pulled funds from my account using the following information : XXXX/XXXX/2016 XXXX XXXX XXXX {$6000.00} XXXX/XXXX/2016 XXXX XXXX XXXX {$4000.00} XXXX/XXXX/2016 XXXX XXXX XXXX. {$5000.00} XXXX/XXXX/2016 XXXX XXXX XXXX {$4000.00} XXXX/XXXX/2016 XXXX XXXX XXXX {$6000.00} XXXX/XXXX/2016 XXXX XXXX XXXX. {$3000.00} XXXX/XXXX/2016 XXXX XXXX {$4000.00} XXXX/XXXX/2016 XXXX XXXX XXXX. {$5000.00} Please reverse these charges as I do not except these charges. Please help me.
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

2016-09-30

FL

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: I have a checking account and see a monthly charge of {$5.00} labeled Online Bill Pmt Billingfee. I do n't know who is doing the debit and when contacting the XXXX with the Company ID I am referred to XXXX then XXXX. They claim I have been misdirected and I contact my bank again to no avail.
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

2016-09-29

Stantonville, 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 monetary relief

Disputed: No Timely Response

2016-09-28

Belleville, MI

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

2016-09-28

Birmingham, 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 monetary relief

Disputed: No Timely Response

2016-09-28

Casselberry, FL

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

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

2016-09-25

Oxford, GA

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: I recently open up an account with XXXX XXXX. I then enable online banking. Once in online banking, I tried to enable online Bill payment. I was told that I could not do that as the XXXX party company ( XXXX ) who handles online bill payment had marked my name with a red flag. The reason for this is that someone had opened up an account at Regions bank XX/XX/2013 and Regions bank had then closed that account. I then called Regions Bank, and they told me to go in person to a local Regions bank branch to fill out and identity fraud form which I did. I then got a letter from Regions stating that my name had been cleared. I then go back to XXXX to see if they could enable my bill paymnet, but still my name is not cleared in the XXXX system. I then contact both XXXX and Regions to see my next step. XXXX was no help at all as they are saying it is Regions bank. Regions bank is saying they do not see anything flags ( even in there XXXX system ) that my name is flagged. I got a name of the person who had wrote the letter stating my name is clear, but after 6 attempt to call him and left a voicemail everytime, I am still not hearing anything. My complaint is against both Regions and XXXX as I am stuck in between these XXXX companies and unable to figure out what to do next.
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

2016-09-25

TN

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: An Alleged lender is stating that they have an interest in my property. I have requested proof of their claim of a loan, for this not the lender I contracted with. However, this lender admitted they did not have the blue wet ink original documents as required by law. Addition to this the lender has now taking action to sell my land in an auction scheduled XX/XX/XXXX. Without an Court order.
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

2016-09-23

Plymouth, FL

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: This issue pertains to Regions bank and their overdraft coverage policy. For the past 3 weeks I have been making countless calls and visiting the local branches to try and have this resolved. In doing that I found out a lot about Regions and their workings. This all started because I went out of town on business and had to use my debit card for the hotel stay. Because the hotel put a hold, it caused many transactions to overdraft. XX/XX/2014 I turned off all overdraft coverages and protections, to avoid any charges being taken. I do not agree with this overdraft coverage and do n't ever want this on any of my accounts because it 's a negative tool. When asking Regions representatives and officers how did this coverage get turned on my accounts, their words were " We do not have a way of finding out how it got turned on. '' To me that was strike XXXX, that your systems do n't have any indication. Secondly, they sent me on quite a bit of running around the city. As I visited the XXXX branch, they advised me I would need to see a next level advisor in another branch on XXXX XXXX XXXX, keeping in mind that is 30 min travel to that location. I promptly followed their suggestions, and upon arriving at this location, their representatives inform me, that the other branch had mis informed and XXXX XXXX Branch could not do anything either. Now I jump to their phone reps, upon going through numerous calls, which I have logged. As I ask the representatives how did this coverage get out on, he advised me that only customers and no Regions bank officer can change that. I have been told so many stories and seen with my own eyes that they do whatever they please with overdraft protection. I lost close to {$300.00} in fees because they do n't understand what 's going on and how this protection got placed. For Regions as a financial institution to do this is extremely unacceptable and I did some research and found out this is not the first time Regions does overdraft maneuvers that affect their clients.
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

2016-09-23

Newnan, GA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I have been banking with Regions for several years. I feel I was a victim of a very unfair and unprofessional practice that I want to bring to your attention. I shared my concerns with Regions and even escalated to Regions management, but I still and not satisfied with their response. I am facing a possible foreclosure and keeping track of my finances is very critical for me right now. I opened a second checking account with Regions a few months ago to help keep my bill money separate from my spending money because I was having trouble with overdrafts. For a variety of reasons, my main checking account was recently overdrawn but I had a few dollars in my savings account which has overdraft protection. Funds were pulled from my savings to try to cover the negative balance, but they were not sufficient enough to bring the account to the positive. So in order to keep my next pay check from being depleted trying to cover the overdraft, I deposited it into my XXXX checking account. I thought it would be safe there so I could access it when needed to pay my bills. Mind you I have 60 days to resolve the matter with my account and bring it positive before it is closed out. The problem is that Regions has a policy, called " sweeping '' where they will pull monies from any accounts linked to my name to help cover the negative balance. So on XXXX/XXXX/16 they deducted {$380.00} from my account without my knowledge. I was continuing to use my debit card for a few days thinking I had money in my account. After my card was declined on a transaction, I looked at my online transaction history to see what happened. I was confused until I saw a strange deduction from my XXXX account that went to my XXXX account. I then sent an email to the bank asking them to explain what happened and why they did it. They explained that their policy allows them to sweep all linked accounts after 15 days to try to recover funds. I do n't have a problem with such a policy, but it was new knowledge to me. I had another account with Regions a few years ago that closed and at no time did they " sweep '' my main account to help cover it. So I was not aware of that practice. I found out after I contacted customer support AND a few days later when they mailed me a letter stating they withdrew the funds. My problem is that in all fairness and respect, I should have been contacted prior to them withdrawing the funds so I would know what to expect. Taking money without my knowledge, to me is wrong. Again, having had several cards and accounts with Regions I admittedly always do n't read the super small print on the brochures when the cards arrive in the mail. But again, my trust and knowledge was formed from my years of service with them and the fact this has never happened before. How much more effort would it take to notify a consumer BEFORE such drastic actions as opposed to AFTER. Now both of my accounts are overdrawn. The amount the deducted did not even bring the account current. It simply overdrew them both. On top of that, the charges I continued to make with my card, caused overdrafts too. And what I think is fair, is they they credit me the cost of the overdrafts because I did not knowingly and willingly make transactions against a negative balance. The negative balance from my XXXX account was created when they took out the money. What I would like is for their process to be challenged so that the consumer has fair and advanced notice/warning of what is expected to happen. I feel they do n't respect me or my concerns. If I had several thousand in the bank I would not have even noticed it. But I do n't have that kind of money. And I am facing foreclosure and other pressing issues, and every dollar is important to me right now. I just want to be heard and respected. And I hope you can challenge them on this 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: Yes Timely Response

2016-09-22

Augusta, GA

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: Yes Timely Response

2016-09-22

Bunker Hill Village, TX

Making/receiving payments, sending money

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

2016-09-22

Houston, TX

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: My bank holds transactions for days in order to cause overdrafts and assess fees to the account. I was just told it does n't matter how and when you spend the money, they will post the transactions the way they want to. I was also informed that there is no way to ever get an accurate account balance because of this. I have done everything in my power to prevent this, yet my bank refuses to acknowledge that they hold the payments. I made a cash deposit that covered both of these transactions and was still assessed a late fee when my account was not overdrawn.. additionally they charged me XXXX to transfer XXXX from my savings. the fees caused the overdraft on my account, not my transactions. I do n't feel this is fair that I 'm held liable for their systems errors.
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

2016-09-22

Seffner, FL

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: No Timely Response

2016-09-22

Colfax, IN

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I have been getting charged OD fees when my account does not go negative. I have called once and they refunded but it has happed 2 more 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