REGIONS FINANCIAL CORPORATION

2016-04-22

Mem, TN

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 non-monetary relief

Disputed: No Timely Response

2016-04-22

Cordele, 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 explanation

Disputed: No Timely Response

2016-04-20

Mobile, 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 monetary relief

Disputed: No Timely Response

2016-04-20

Val Verde, TX

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: My name is XXXX XXXX, contact number XXXX ( M ) or XXXX ( O ). I get an equity loan from Regions bank with an amount of {$110000.00}, funded on XXXX/XXXX/2016 ,@4.25 % rate for 15 years, monthly payment sets at {$850.00}. I determined to pay off in 5 years and signed agreement to pay {$2000.00} each month, effective in XX/XX/XXXX ( deduct is expected to be effective on XXXX/XXXX/2016 ). I opened checking account and funded with direct deposit to cover monthly auto deduct for paying my monthly dues. Payment kicks in from XX/XX/XXXX 2016, so I made extra payment of amount of {$1200.00} ( plus {$850.00} which suppose to be deducted for 15 years ) to become {$2000.00} for XX/XX/XXXX payment. Regions already set up auto deduct XX/XX/XXXX of {$2000.00} by mistake, this problem is already solved. Then I expect XX/XX/XXXX payment should be auto deducted. I have {$4100.00} in my checking account as of today. However, auto deduct did not become effective in XX/XX/XXXX. I made so many calls reporting this, but problem is not solved. Regions is so arrogant in handling this case by demanding me to start auto deduct in XX/XX/XXXX, I DO NOT agree. It is a trap. By delaying monthly payment will lead my to pay more interests, I already set funds aside for paying my dues ; and bank breaks the agreement first and refuse to correct it. This could be a practice leading customer to pay more interests by showing a " nice '' delay to good customers. CFPB should investigate such wrongdoing inside Regions bank. If I do n't stop them today, by delaying one month, I will end up paying much more of interests. I already spent so many times on this issue, I expect bank to have a solution or settlement with me. Here I report this to CFPB and like CFPB allows me to ask for pausing payment until an action is taken. Meanwhile, I will make monthly payment, not to let my account to become default.
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

2016-04-19

El Paso, AR

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: Being a first time, single mother, I had to make the decision to use my overdraft protection. I check my balance before every transaction so I knew that I would be over drafting that transaction but the {$36.00} dollar fee was worth it to keep my son in daycare for the week. Especially when I would be getting paid in a couple of days and it would all even out. No big deal. Imagine my surprise when I checked my balance and it was more than XXXX dollars in the negative. Apparently, Regions decided to reorder transactions for the past few days to incur overdraft charges on XXXX transactions instead of just the XXXX transaction. This resulted in {$360.00} in overdraft charges. Instead of {$36.00}. When my paycheck hit my account, it was ENTIRELY gone because of this. That was money to pay bills and feed my baby. And now my phone is shut off because regions STOLE all of my money. I 've contacted regions several times about this matter and they give me the same answer. 'There 's nothing we can do. ' I 've filed a complaint with the XXXX they have n't responded. It should be illegal to reorder transactions to maximize 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

2016-04-15

Orlando, 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

2016-04-14

Santa Ana, CA

Late fee

Credit card:

Complaint: This is my THIRD complaint to CFPB after the merchant agreed to withdraw the charges, it continues to pursue collection through a collection agency. Please refer to Case numbers XXXX and XXXX. None of the charges represent charges for products or service. All of the charges by FleetCor are for account servicing or late fees on unpaid account servicing when the card was not used. As noted in my prior complaint ( which included a credit account statement and closing letter ), I just want my account closed and do not ever want to hear from these miscreants again. They continue to increase the bill on my account although there were never services or products purchased with their credit cards. The credit cards sat in a desk. I am refusing to pay fees and charges for account servicing or late fees. I want their collection letters to stop. I owe them nothing. As noted in
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

2016-04-13

Ft Myers, FL

Application, originator, mortgage broker

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 explanation

Disputed: Yes Timely Response

2016-04-12

Carrigan, IL

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: XXXX/XXXX/2016 OD FEE PAID OVERDRAFT ITEM FEE {$180.00} - {$170.00} XXXX/XXXX/2016 ATM DEBIT XXXX Branch {$40.00} {$5.00} XXXX/XXXX/2016 CARD XXXX # XXXX XXXX {$15.00} {$45.00} XXXX/XXXX/2016 ATM DEBIT Regions XXXX Branch {$60.00} {$61.00} XXXX/XXXX/2016 CARD XXXX XXXX {$10.00} {$120.00} XXXX/XXXX/2016 CARD XXXX XXXX XXXX XXXX XXXX {$21.00} {$130.00} XXXX/XXXX/2016 CARD XXXX XXXX {$3.00} {$150.00} XXXX/XXXX/2016 ATM DEBIT Regions XXXX Branch {$100.00} {$150.00} XXXX/XXXX/2016 CARD XXXX XXXX XXXX {$13.00} {$250.00} XXXX/XXXX/2016 CARD XXXX XXXX XXXX XXXX {$2.00} {$260.00} XXXX/XXXX/2016 CARD XXXX XXXX # XXXX XXXX {$6.00} {$270.00} XXXX/XXXX/2016 FEE OTHER BANK ATM WITHDRAWAL FEE {$2.00} {$270.00} XXXX/XXXX/2016 CARD XXXX XXXX XXXX XXXX {$27.00} {$280.00} XXXX/XXXX/2016 ATM DEBIT XXXX XXXX XXXX XXXX {$100.00} {$300.00} XXXX/XXXX/2016 ATM DEBIT Regions XXXX Branch {$200.00} {$410.00} XXXX/XXXX/2016 CARD XXXX XXXX XXXX XXXX {$15.00} {$610.00} XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} {$620.00} I had sufficient funds and regions bank charged me {$180.00} overdraft fee on the left are the charges on the right is the balance I did contact the bank and they refuse to fix this issue. I would like this matter corrected. Regions Customer Service Center 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

2016-04-11

Jensen Beach, 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

2016-04-08

Robertsdale, AL

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

2016-04-08

Bradenton, 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

2016-04-08

Hickory Hill, TN

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

2016-04-08

Cordova, TN

Credit decision / Underwriting

Mortgage: Conventional fixed mortgage

Complaint: Regions Mortgage is not reporting correctly on several if account. This account is not in the wage warner plan. The balance is incorrect, last payment date is incorrect. REGIONS MORTGAGE XXXX XXXX XXXX XXXX, MSXXXX ( XXXX ) XXXX Account Number : XXXX Status : XXXX Account Owner : Joint Account High Credit : {$200000.00} Type of Account N/A Credit Limit : Term Duration : 20 Years Terms Frequency : Monthly ( due every month ) Date Opened : XXXX/XXXX/XXXX Balance : {$160000.00} Date Reported : XXXX/XXXX/XXXX Amount Past Due : {$0.00} Date of Last Payment : XX/XX/XXXX Actual Payment Amount : {$2000.00} Scheduled Payment Amount : {$2000.00} Date of Last Activity : N/A Date Major Delinquency First Reported : XX/XX/XXXX Months Reviewed : XXXX Creditor Classification : Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Conventional RE Mortgage Date of First Delinquency : XX/XX/XXXX
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

2016-04-08

Gretna, 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: Yes Timely Response

2016-04-07

Miami, FL

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

2016-04-07

La Place, LA

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: Regions Bank is reporting a fraudulent credit card account on all three of my credit reports. XXXX, XXXX, and XXXX. I have disputed this account with all three credit bureaus and Regions Bank several times, and requested investigations. All XXXX credit bureaus informed me that Regions Bank verified and confirmed that the account belongs to me. I have not received any proof or documentation from Regions Bank that confirms this account belongs to me. I also submitted copies of the police report indicating that my personal information such as Social Security Card, Driver 's License, Birth Certificate, and briefcase that held all my credit cards, debit cards, and check book was stolen.
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

2016-04-06

Ballardsville, MS

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 non-monetary relief

Disputed: No Timely Response

2016-04-06

Lk Buena Vis, FL

Credit decision / Underwriting

Mortgage: Conventional fixed mortgage

Complaint: inaccurate information in this account. improper collection practices
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

2016-04-05

Mobile, AL

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

2016-04-02

Ocklawaha, FL

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I have a Regions Bank LIFEGREEN CHECKING Account. Recently I had several charges from XXXX ( shipping charges that were not taken out of paypal acct but charged to my checking acct ), taken out of my checking acct but there was no money in that acct. This resulted in XXXX each {$36.00} NSF / Overdraft Fee 's ( thats XXXX XXXX = {$380.00} in NSF Fees alone ). Now the paypal amounts themselves were credit back but all eleven {$36.00} each NSF Fees were not. In one instance a XXXX fee if {$12.00} was re-tried to my bank acct resulting in XXXX NSF Fee 's ( XXXX each time ) for the SAME amount of {$12.00}. The bank did not refund the NSF Fee 's at all. Now I read about the XXXX Dollar Fine Regions had to pay in XX/XX/XXXX for bad practices with Overdraft FEEs. When I started having all the problems with NSF Fees, I was opted out or not opted in when I setup the checking acct ), I then I opted in for overdraft protection, but yesterday XXXX/XXXX/XXXX I received XXXX Overdraft Fees. The BS I got from Regions was they ahve XXXX types of overdraft protection and at their discrection they MAY allow payments to go thu and allow overdraft Fee 's. Whats the point of opting out or in of Regions Overdraft protection if I STILL get {$36.00} NSF Fees each time, no matter what. This is Deceptive and unfair business practices, and shows bad faith to consumers. Please investigate and Break the laws foot off in Regions Behind, if you know what I mean. Ideally I would like all eleven overdraft fee 's credit to my checking acct, and what punishment the law allows to reign down on Regions Bank. Here is my info from my checking acct. Date Type Description/Category Debit ( - ) Credit ( + ) Posted Balance XXXX/XXXX/XXXX OD FEE PAID OVERDRAFT ITEM FEE {$72.00} - {$96.00} XXXX/XXXX/XXXX DEBIT XXXX XXXX XXXX {$14.00} - {$24.00} XXXX/XXXX/XXXX DEBIT XXXX XXXX XXXX {$11.00} - {$10.00} XXXX/XXXX/XXXX ATM XXXX Regions XXXX XXXX {$40.00} {$1.00} XXXX/XXXX/XXXX XXXX XXXX XXXX TRANSFER {$34.00} {$41.00} XXXX/XXXX/XXXX DEPOSIT DEPOSIT {$5.00} {$6.00} XXXX/XXXX/XXXX ATM DEBIT Regions XXXX {$120.00} {$13.00} XXXX/XXXX/XXXX XXXX XXXX XXXX TRANSFER {$84.00} {$130.00} XXXX/XXXX/XXXX XXXX XXXX XXXX TRANSFER {$43.00} {$49.00} XXXX/XXXX/XXXX ATM XXXX Regions XXXX XXXX {$60.00} {$5.00} XXXX/XXXX/XXXX XXXX XXXX XXXX TRANSFER {$61.00} {$65.00} XXXX/XXXX/XXXX XXXX XXXX XXXX TRANSFER {$2.00} {$4.00} XXXX/XXXX/XXXX DEPOSIT DEPOSIT {$100.00} {$2.00} XXXX/XXXX/XXXX XXXX XXXX XXXX TRANSFER {$240.00} - {$97.00} XXXX/XXXX/XXXX NSF FEE RETURNED ITEM FEE {$36.00} - {$330.00} XXXX/XXXX/XXXX CREDIT CREDIT-RETURNED CK # XXXX {$12.00} - {$300.00} XXXX/XXXX/XXXX DEBIT XXXX RETRY PYMT {$12.00} - {$310.00} XXXX/XXXX/XXXX NSF FEE RETURNED ITEM FEE {$36.00} - {$300.00} XXXX/XXXX/XXXX CREDIT CREDIT-RETURNED CK # XXXX {$13.00} - {$260.00} XXXX/XXXX/XXXX DEBIT XXXX XXXX XXXX {$13.00} - {$280.00} XXXX/XXXX/XXXX NSF FEE RETURNED ITEM FEE {$72.00} - {$260.00} XXXX/XXXX/XXXX CREDIT CREDIT-RETURNED CK # XXXX {$27.00} - {$190.00} XXXX/XXXX/XXXX CREDIT CREDIT-RETURNED CK # XXXX {$11.00} - {$220.00} XXXX/XXXX/XXXX NSF FEE RETURNED ITEM FEE {$36.00} - {$230.00} XXXX/XXXX/XXXX DEBIT XXXX XXXX XXXX {$27.00} - {$190.00} XXXX/XXXX/XXXX DEBIT XXXX XXXX XXXX {$11.00} - {$170.00} XXXX/XXXX/XXXX CREDIT CREDIT-RETURNED CK # XXXX {$12.00} - {$150.00} XXXX/XXXX/XXXX DEBIT XXXX XXXX XXXX {$12.00} - {$170.00} XXXX/XXXX/XXXX OD FEE PAID OVERDRAFT ITEM FEE {$100.00} - {$150.00} XXXX/XXXX/XXXX DEBIT XXXX XXXX XXXX {$27.00} - {$51.00} XXXX/XXXX/XXXX DEBIT XXXX XXXX XXXX {$15.00} - {$23.00} XXXX/XXXX/XXXX DEBIT XXXX XXXX XXXX {$11.00} - {$8.00} XXXX/XXXX/XXXX ATM XXXX Regions XXXX XXXX {$240.00} {$3.00} XXXX/XXXX/XXXX XXXX XXXX XXXX TRANSFER {$240.00} {$240.00} XXXX/XXXX/XXXX XXXX XXXX BANK XXXX FEE REFUND {$36.00} {$2.00} XXXX/XXXX/XXXX DEPOSIT DEPOSIT {$5.00} - {$33.00} XXXX/XXXX/XXXX OD FEE PAID OVERDRAFT ITEM FEE {$36.00} - {$38.00} XXXX/XXXX/XXXX DEBIT XXXX XXXX XXXX {$26.00} - {$2.00} XXXX/XXXX/XXXX
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

2016-04-01

Shalimar, FL

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

2016-03-31

FL

Late fee

Credit card:

Complaint: I have a several months problem with payments for XXXX credit card in view I have made payments on time or before but Regions reject payments for regions technical problems, the situation is that I have just XXXX checking XXXX Bank account and just to pay on line monthly pressing checking account bottom but regions bank set up this account as a savings and change automatically the payments issue collecting from a savings account instead checking account. I have visited 4 times Regions bank branches but they refuse to fix this problem and I dont have another checking account. Now This negligence affect to my credit report for late payments and Regions'customer service don want to fix the problem.
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

2016-03-31

Dickinson, TX

Advertising and marketing

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

2016-03-30

Memphis, TN

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 explanation

Disputed: No Timely Response