REGIONS FINANCIAL CORPORATION

2016-07-27

Bertrand, MO

Application, originator, mortgage broker

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

Disputed: No Timely Response

2016-07-27

Gainesville, 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 explanation

Disputed: No Timely Response

2016-07-27

Tuscaloosa, AL

Taking out the loan or lease

Consumer Loan: Installment loan

Complaint: Reference account : XXXX. We just took out a personal loan with Regions Bank this past month and received a letter this past week we have been turned over to collections and may be reported to the XXXX credit bureaus. Our issues : ( 1 ) This is the first letter received, ( 2 ) it is not clear if this letter relates to the loan we just took out, but assume it is since we know of nothing else owed to Regions, and ( 3 ) the local bank officer who did the paperwork stated our first payment was due by XXXX XXXX ( next Monday ).
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

2016-07-27

Birmingham, AL

Credit decision / Underwriting

Mortgage: Home equity loan or line of credit

Complaint: Regions Bank turned down my XXXX XXXX XXXX XXXX mother 's equity line request for {$40000.00} to help take care of long-term care expenses. They claimed she did n't have enough credit history. This is absurd considering she bought her home in XXXX and made payments on it every month until is was paid off in XXXX. Since then, she has had multiple credit cards and lines of credit that have all been paid in full. What 's more she has bought multiple cars using credit over the years. In addition, she has a current XXXX XXXX XXXX credit card with a {$6800.00} balance that she pays monthly. As an aside, the XXXX credit card is the only debt she has. As for other information, her FICO score is XXXX ( according to Regions Bank ) her current front-end debt to income ratio is 12.7 % while the back-end ratio is about 24 %. Home is valued at about {$50000.00} according to various on-line Web sites and it paid for in full. Total income is XXXX monthly after taxes.
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

2016-07-26

Greenville, SC

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 explanation

Disputed: Yes Timely Response

2016-07-26

Oxford, GA

Problems when you are unable to pay

Consumer Loan: Vehicle loan

Complaint: My account with Regions Bank XXXX XXXX XXXX XXXX, XXXX, AL XXXX XXXX is reporting wrong for the status on my credit report status shows repossession this recent have appear and Ive contact this company a lot of times and they said that they will update the information to the credit bureau and its has n't been update. The last person I spoke with stated they will correct the information I do n't have this vehicle and in the past the account showed charge off as the status not its showing repossession, they went and updated the payment history but at XXXX the payment show good payments but I do n't have the vehicle so they updated but my status shows repossession and it should n't this has cause my credit score to drop to XXXX from XXXX. XXXX XXXX the car was repo on XXXX XXXX the vehicle report charge on my account. Regions recently reported R again as in XXXX XXXX in XXXX XXXX I have proof of the incorrect information and the correct information. They are rude and no one wants to help nor understand my concern, If they are aware of a credit report they would understand but someone in the credit department do n't, they put special codes on my account so that any dispute I do would be deny. I will be contacting the XXXX with my concern. The account is close and its shows open on all XXXX of my credit reports. AWFUL
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

2016-07-26

Using a debit or ATM card

Bank account or service: Other bank product/service

Complaint: I am not able to make any kind of contact with my XXXX XXXX card of Regions Bank because I do n't reside in the XXXX any more and Regions Bank DO NOT provide any phone number that I can call from XXXX, the country I am resident now. Regarding internet, I do n't have a Social Security number, as I am XXXX. I JUST NEED A PHONE NUMBER THAT IS NOT XXXX! I can pay for the call. I need to question one debit and activate the new card, as the old one expires XXXX, but there is no way to contact them : ALL REGIONS informed phones are XXXX. In the past It was possible to call my Regions Bank branch, but they do n't care this matters any more.
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

2016-07-23

Germantown, TN

Problems when you are unable to pay

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 non-monetary relief

Disputed: No Timely Response

2016-07-22

Cottleville, MO

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 explanation

Disputed: No Timely Response

2016-07-22

Antonia, MO

Payoff process

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

2016-07-21

FL

Deposits and withdrawals

Bank account or service: Checking account

Complaint: Back on XXXX XXXX my wife went to the XXXX XXXX Regions Branch to cash her pay checks. She would save up several and cash all at one time for the given month. I believe it was on the day of XXXX XXXX the branch manager called her ( wife ) and told her they over paid her by {$700.00}. and would need the money back. My wife told them she did not have there money and even so she did not have the money in her account. The bank manager replied " I Know '' XXXX ( Wife ) then told her she would need to look into this matter and call her ( XXXX ) Back. As soon as the phone hung up the money was pulled out of our joint account and put the account into overdraft. Please understand that this is 2 months latter with no written notice or no verbal notice. The bank basically put us in a really bad situation with paying bills and checks bouncing. I could be very understanding if a notice was given and we had time to investigate. We have asked for proof that XXXX actually received these funds and they have said no. On the day of XXXX XXXX XXXX called a lady by the name of " XXXX '' a regional manager for regions every 15 minutes over a 4 hour period with no return calls. ( she gave up ) At this point we want and need our money back unless Regions can show and proof to us we have the money. This was very unprofessional and has caused anguish for my wife and I. All they had to do was handle this matter with respect and professionalism and this matter would have been resolved. Thank You, XXXX
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

2016-07-21

Antioch, TN

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I opened an basic checking account with Regions back in XX/XX/XXXX/XX/XX/XXXX. At that time I was advised to opt-in to the overdraft protection. Based on the explanation, it sounded like a good feature. Sometime in XX/XX/XXXX, I experienced my first overdraft but it did n't make sense to me. I called in and the agent I spoke with could n't adequately explain the logic behind why I was charged. The way the information was listed on my account online suggested that I had enough funds in my account and that the overdraft fee is what overdrafted my account! At that time, they refunded an overdraft fee and helped me opt-out of the feature. As it was explained to me, opting-out of their overdraft protection would PREVENT any overdraft scenarios from happening. This is clearly not the case. Fast forward to recently, I made a debit card purchase online on XX/XX/XXXX and that purchase did not " clear '' until yesterday. Every single day I 've been checking my available balance and every single day it showed this {$39.00} had already been subtracted from my balance. But now when I check today, it just posted and caused me an overdraft. Additionally, on several occasions they have been unable to explain the order of transactions. I get a different answer every time I talk to them. Their response is always that I should keep a paper ledger. I should be able to use the TOOLS they provide to view an accurate balance. Otherwise its a bait to lure me into spending money I do n't have. I RELY on that tool to track my finances. T hat 's why its there. It is a realtime digital ledger.
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

2016-07-21

Blanchard, LA

Shopping for a 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 explanation

Disputed: No Timely Response

2016-07-21

Kissimmee, 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

2016-07-20

Santa Rsa Bch, FL

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

2016-07-20

TN

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: I established a line of credit for overdraft protection on my checking account in XXXX. Regions Bank took over the original bank where this was established. When I signed for this protection I was not married. I was married in XXXX and my wife was on my checking account till I closed the account in XXXX. Somehow Regions Bank attached my now ex wife 's name to this account. I have asked for proof where she signed on the line of credit. They said the loan was too old and they could not provide any documents to support her signature or even a copy of the original loan. Some where along the way Regions Bank has changed the original to satisfy what they have allowed to happen. When my ex wife borrowed the money in XXXX XXXX, they told her that this was an overdraft protection and did not reveal to her my name was attached. Regions bank should be held accountable for what I think are illegal actions. .
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

2016-07-20

Boloxi, 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: No Timely Response

2016-07-19

Knoxville, AR

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: Yes Timely Response

2016-07-17

Branson, MO

Account opening, closing, or management

Bank account or service: Checking account

Complaint: In XXXX I set up XXXX separate business bank accounts at Regions Bank in XXXX, XXXX. XXXX XXXX was the bank employee who assisted me in opening these XXXX new bank accounts. I immediately returned home and set up the online banking and scheduled ACH debits for vendor accounts. I also set up the merchant services for the business with the account information provided to me by XXXX XXXX. After a few days I realized that all of our merchant services were getting kicked back and not being deposited into our account. I attempted to call Regions a few times but got no response so I opened accounts at XXXX XXXX. A few weeks later I received a letter in the mail from XXXX XXXX stating that she had provided me with the incorrect account numbers and provided me with XXXX new account numbers however there was no information as to which account number belonged to which business and since I had already switched to XXXX XXXX I just closed the accounts. The initial mistake of providing me with the wrong account numbers caused me to be assessed return payment fees from my vendors as well as late payments and put strain on my business relationships with those vendors. Regions also charged me insufficient fund fees for the payments that I had scheduled to be ACH debited from the account with the incorrect account numbers. I found this out when I began receiving calls and collection letters from XXXX XXXX XXXX collections in XXXX, XXXX demanding payment for the charged off accounts. I was completely unaware of any charge offs and have disputed and explained how this must be some sort of mistake by Regions bank. XXXX XXXX instructed me to dispute the collections with Regions bank and gave me 30 days. I first went back to the branch that I originally opened the account and unsurprisingly XXXX XXXX no longer works there. I spoke with XXXX XXXX who said to give her a few days and she would let me know what she " finds out ''. Several weeks go by and I receive another call from the collection company but still nothing from Regions Bank so I revisit the XXXX branch once again. XXXX was not there that day so I left a message for her to get in touch with me but after a few more weeks I never heard from her so I decided to visit the XXXX, XXXX location on XXXX XXXX and spoke with a man who said he would work on my account and give me a call in a few days with some answers. A week or so past and nothing so I once again visited the XXXX location and spoke to a man named XXXX who took down all of my information and went over my accounts with me and told me that XXXX would be in touch with me in a few days. Another week or so passed and I called and left a message on XXXX 's voicemail. Another week passed and I returned to the branch and finally spoke to XXXX who informed me that even though she could see that XXXX separate business accounts were opened by XXXX XXXX followed by XXXX new accounts being opened for each business within the next few weeks all with no activity other than the returned ACH debits that I had no proof that I was n't responsible for having to pay for the insufficient fees. During all of this I was told that I would be reported to XXXX so I obtained a copy of my XXXX report and learned that I had already been reported by Regions Bank for a paid charge off account back in XXXX when my car was stolen with my wallet in it and I had my Regions Bank account closed with a police report. I have disputed this account being reported to XXXX who tells me to dispute to regions and regions tells me that I have to dispute with XXXX. Basically Regions is the most incompetent company on the face of the earth and has no business handling people 's money or personal information! They write people 's social 's on paper and leave laying on desk!
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

2016-07-15

Memphis, TN

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

2016-07-15

AL

Deposits and withdrawals

Bank account or service: Checking account

Complaint: REGIONS BANK : On XXXX XXXX, I deposited {$540.00} cash into an ATM, the ATM had an error and told me to remove my cash and try again later, but the machine just kept making a noise and never gave the cash back. So, I deposited another {$5.00} hoping it would fix the issue, but the same thing happened. I called hysterical ( it was a Saturday and the branch was closed ) and the CS rep assured me after filing a claim I would be credited my money and I was on XXXX XXXX. He said a tech would have to go balance the ATM and then they would return my money. On XXXX XXXX, the money was deducted from my account, making me have overdrawals. I stayed on the phone for over an hour and was only told that it looked like the ATM balanced after all, so I visited the branch. I asked for surveillance video or even a copy of the phone call from that Saturday, XXXX XXXX because the CS said he saw where XXXX transactions were attempted and he knew the amounts without me telling him. At the branch today, XXXX XXXX, they said they can only see back 30 days, so they can not view those attempted transactions and they looked at me like I was crazy when I asked for the video or phone recording. So, here I am over one month later with an overdrawn account and nobody can figure it out. They said maybe the CS from XXXX XXXX noted the wrong ATM and the wrong one was checked. In that case, why could n't the branch where the deposit was made check their audit and see that the ATM was over by the amount of my deposit??? I NEED MY MONEY BACK
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

2016-07-14

Land O' Lakes, 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

2016-07-14

Ft Myers, FL

Settlement process and costs

Mortgage: Conventional fixed mortgage

Complaint: Regions bank does not appear to be following TRID guidelines. We are down to the last few hours for me to sign the CD for my closing on Monday and Regions is very behind. Without going into the demeanor of those of I spoken with or the internal issues they are attempting to overcome, I would like to focus on their TRID process. The Production Manager, XXXX XXXX in the XXXX XXXX, SC processing center will not attempt to obtain a balanced CD for me to sign. He is insistent on sending be an incompete CD for signature which will not be sent until after business hours. Tomorrow, he will work on balancing the CD with the title company with their figures, taxes, government fees and estoppel info. I have been in contact with the Law Firm closing my purchase and they are waiting for Regions Bank to perform. The process should be for Regions to send to the Law Firm to balance figures prior to presenting the CD to me for signature. Estoppel info, if delayed, can be revised during three day wait but the main figures should be accurate. This is the intent of full disclosure to the borrower so that he/she has an understanding of costs associated with obtaining a loan three days prior to signing. Regions appears to be circumventing the spirit of the law as enacted by Congress.
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

2016-07-13

Pinellas Park, FL

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

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

2016-07-13

Douglasville, GA

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