REGIONS FINANCIAL CORPORATION

2019-08-05

Homestead, FL

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: XX/XX/2019 my checking account was charged fraudulently for two transactions one for XXXX in the amount of {$200.00} and XXXX for {$91.00}. None of these two transactions were authorized by me. I filed a dispute and the {$91.00} was already approved and returned to me however the one for {$200.00} has not, my bank which is Regions denied my dispute because according to them I authorized it. I have filed a police report already aswell. But I think it is really unfair that they did not approve my claim. I am going to provide the police report for the claim that has not yet been approved. Hopefully that helps. They also try to add my debit card information to a XXXX XXXX account. I don't even have an XXXX phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-08-05

Ft Lauderdale, FL

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Card opened as result of identity theft or fraud
Complaint: XX/XX/XXXX : I was notified by my credit monitoring that Regionsbank had pulled a hard credit inquiry using my name and social security. I have NO relation with XXXX and have NOT applied fir credit. XX/XX/XXXX : I called Regionsbank. I was told that no charges had been made and that they would close the fraudulent account immediately. I was told to complete their Uniform Affidavit for Identity Theft and email to XXXX, which I did the same day. XX/XX/XXXX : I received a credit report update showing that Regionsbank had nonetheless opened a credit card account using my personal information. The account was still active with a balance of {$12000.00}. I immediately called Regionsbank again. I was told that they did receive my affidavit on XX/XX/XXXX and that they were investigating. XX/XX/XXXX : I filed a Identity Theft Report with the FTC, report # XXXX XX/XX/XXXX : I sent a follow up letter by certified mail to Regionsbank requesting written confirmation that I am not responsible for these fraudulent charges. XX/XX/XXXX : Regionsbank received the letter per the return receipt. To this date XX/XX/XXXX, I have received NO response whatsoever from Regionsbank. After I submitted a copy of the FTC report to the credit bureaus, they did remove this fraudulent account from my reports. However, they are still showing the hard credit pull by Regionsbank. .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-08-03

Colfax, IN

Charged fees or interest you didn't expect

Payday loan, title loan, or personal 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 non-monetary relief

Timely Response

2019-08-01

Thompsons Station, TN

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: I have a student account with Regions Bank. I had visited the XXXX, FL area the first week of XX/XX/XXXX for a music festival. Somehow my debit card and pin number were stolen. I did not realize my debit card was gone until after returning to my home in XXXX, TN. There was very little money in my account as I was not working at the time as I was focusing on my high school graduation. Regions contacted me to collect on an overdrawn student checking account. Regions had accepted a counterfeit check, with a forged signature to be deposited and funds withdrawn between XX/XX/XXXX and XX/XX/XXXX. I do not know how my pin number was compromised or my card was stolen but I do know that I did not provide it to anyone. Regions did allow this counterfeit check with a forged signature to be deposited into my student account in the amount of {$4700.00}. Regions did provide a copy of the deposited check and it is not my signature. My account has never had this amount of money in this account. I do not understand why they would have accepted this counterfeit check, with or without a pin number. On XX/XX/XXXX Regions Bank said I allowed my pin number to be used which I did not know anything about. I knew nothing about these transaction taking place in XXXX, FL while residing in TN. The notification from Regions told me to go to the local branch for assistance but they indicated they could do nothing and suggested filing a police report which I did with the XXXX, TN police department to have the case reopened. I filed my police report and sent an appeal to the finding. the appeal was faxed on XX/XX/XXXX to XXXX. I have not received any notification regarding the appeal. Regions did takes funds from my grandparents ' account and my uncle 's account as my grandmother had to supply her social security on my account because I was a minor when it was established. They took over {$2200.00} form my grandparents account and over {$300.00} from my uncle 's account and they found out when attempting to use their accounts. I really need some help. Regions continues to call and attempt to collect over {$2000.00} dollars for a counterfeit check that should have never been allowed in my account. I start college in a couple of weeks and have no such funds available. My grandparents had to go borrow money. I really feel Regions should have caught this activity based on the fact this is a student account that has never seen this type of activity. While I understand the pin number was used, I did not know it was stolen and had no knowledge of this activity. If I had {$5000.00} in the bank and it had been withdrawn using the pin number, I would feel it may be my fault. When Regions allows a counterfeit check to be deposited, I feel they are responsible for that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-31

Auburn, AL

Managing an account

Checking or savings account: Other banking product or service

Deposits and withdrawals
Complaint: On XX/XX/XXXX a XXXX hacked into my son 's Regions Bank accounts utilizing his online account information and stole XXXX. To gain access using an unfamiliar terminal, the XXXX was able to hack the Regions Bank database in some manner and retrieve security passwords. The XXXX then transferred funds ( XXXX ) from my son 's savings account into my son 's checking account and utilized XXXX ( a service never before ( or after ) used by my son ) to transfer funds to themselves ( name on transfer was XXXX XXXX ). Luckily, my son became aware of the theft and immediately ( on the evening of XX/XX/XXXX ) locked his account ( presumably preventing the remaining XXXX from being transferred ). The next day ( XX/XX/XXXX ), my son went into a local branch of Regions Bank and filed a claim for breach of the accounts. He also filed a claim with the XXXX ( AL ) city police department. After multiple attempts and denials from Regions Bank stating that they did not find any action of theft despite recognizing the method of withdrawal ( XXXX ) had never been utilized before, we are seeking alternative assistance to recover. Clearly based on the facts as presented and relayed to Regions Bank, this theft was not the action of the account holder.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-31

Winter Park, FL

Managing an account

Checking or savings account: Other banking product or service

Fee problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-07-31

AL

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: My debit card information was stolen and used across multiple businesses on XX/XX/XXXX, XXXX and XXXX 2019 throughout the XXXX area. However, I left XXXX on XX/XX/XXXX to go on vacation for the holiday. There is a XXXX charge on my account proving that I was NOT in the city on XX/XX/XXXX. I reported the unauthorized transactions to Regions on XX/XX/XXXX. I filed a police report on XX/XX/XXXX. I have spoken with a Regions representative about my case, and she let me know that the Fraud Claims Department denied my request for reimbursement today, XX/XX/XXXX. These are the charges with location, date and amount : XXXX # XXXX XXXX XX/XX/2019 {$6.00} XXXX # XXXX XX/XX/2019 {$100.00} XXXX XXXX XX/XX/2019 {$9.00} XXXX XXXX XXXX XX/XX/2019 {$250.00} XXXX # XXXX XX/XX/2019 {$460.00} XXXX XXXX XX/XX/2019 {$87.00} XXXX # XXXX XX/XX/2019 {$250.00} XXXX # XXXX XX/XX/2019 {$210.00} XXXX XXXX XXXX XXXX XX/XX/2019 {$15.00} XXXX XXXX XXXX XX/XX/2019 {$14.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-31

Closing an account

Checking or savings account: Other banking product or service

Funds not received from closed account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-31

Jacksonville, FL

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-29

Houston, TX

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: My name is XXXX XXXX XXXX my birth day is XX/XX/XXXX my claim number is XXXX my Ss number is XXXX..On XX/XX/XXXX I was rushed to the hospital because of XXXX XXXX XXXX I was kept to have emergency XXXX XXXX and was released on XXXX.I had up to10 family members to visit me and at my home why I was in the hospital, which one of them stole my bank cards and credit cards from regions bank and XXXX XXXX and maxed them out in different states, I turned in a police report to regions bank and my hospital discharge paperwork and they denied my claim.Im very distraught about this and seeking justice which this has caused me to have emotional distress.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-07-29

Memphis, TN

Closing on a mortgage

Mortgage: Home equity loan or line of credit (HELOC)

Complaint: 1 ) Sold our home at XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX onXX/XX/2019 Regions Bank provided a XXXX balance letter in support of closing and then standard paperwork was sent to Regions Bank to close the HELOC. Regions failed to close the HELOC per standard industry procedure. 2 ) In XX/XX/2019, an automated system within the loan department at Regions Bank charged the still open HELOC {$9100.00} for Hazard/Property Insurance on the property sold in XX/XX/2019. This charged was reversed the same day. 3 ) On XX/XX/2019, Regions charged the still open HELOC with a {$9200.00} and labelled it a Customer Service Adjustment. 4 ) In early XX/XX/2019, I spoke with a person in Regions loan department. They stated they had not received the documentation of sale and gave me a fax # to send it to. We complied that day. They still have not closed the HELOC and interest is accruing. 5 ) On XX/XX/XXXX, I discovered the HELOC was still linked to our checking account for Overdraft Protection. While traveling overseas, I had mistimed a deposit of funds and credit card payment. XXXX Bank was alerted that the payment would be returned and to resend. Regions Overdraft Protection kicked in the next day. It was repaid that day. 6 ) Transaction Details Below. POSTING TRAN TRANSACTION REFERENCE AMOUNT DATE DATE DESCRIPTION NUMBER XX/XX/XXXX-XX/XX/XXXXXX/XX/XXXX-XX/XX/XXXX XX/XX/19 XX/XX/19 HAZARD INSURANCE PLACED {$9200.00} CR XX/XX/19 XX/XX/19 PRINCIPAL ADJ DR {$9200.00} XX/XX/19 XX/XX/19 ADJ - L/C {$87.00} XX/XX/19 XX/XX/19 ADJ - PRIN {$100.00} CR XX/XX/19 XX/XX/19 ADJ - INT {$17.00} XX/XX/19 XX/XX/19CUSTOMER SERVICE ADJUSTMENT {$9200.00} XX/XX/19 XX/XX/19 ADJ - L/C {$87.00} XX/XX/19 XX/XX/19 ADJ - INT {$87.00} XX/XX/19 XX/XX/19 INTEREST CHARGE {$41.00} INTEREST CHARGE ON CASH ADVANCES The local branch has no authority to help in this matter as a the account in controlled within the loan department. I am retaining counsel but want the public to know that there is either a serious software issue within Regions, or outright fraud being perpetrated by internal employees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-07-29

Wesley Chapel, FL

Opening an account

Checking or savings account: Checking account

Account opened as a result of fraud
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-07-29

North County, MO

Problems at the end of the loan or lease

Vehicle loan or lease: Loan

Problem related to refinancing
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-07-25

Hollywood, FL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Personal information incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-24

Miami, FL

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Card was charged for something you did not purchase with the card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-24

Mem, TN

Getting a line of credit

Payday loan, title loan, or personal 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 explanation

Timely Response

2019-07-24

Albuquerque, NM

Charged fees or interest you didn't expect

Payday loan, title loan, or personal loan: Personal line of credit

Complaint: Regions Bank will not allow me to close a Regions Preferred LOC account with an annual fee unless I appear in person at a location XXXX miles from where I live. I opened the account while stationed at XXXX XXXX, LA at the XXXX XXXX XXXX, XXXX XXXX, LA location. I was required to move for work to the XXXX NM area in XX/XX/XXXX. I did not close the accounts then, as my home was not yet sold and the home loan was through Regions Bank. After the home was sold in XX/XX/XXXX, I requested all my accounts to be closed. After some back and forth in the online message center, I received assurances that all accounts would be closed. I stopped receiving statements in XX/XX/XXXX, so presumed this was successful. In XX/XX/XXXX, I received a notice in my email saying I had a statement from Regions. Admittedly, I did not review the statement as my understanding was that all accounts were closed. However, this was a statement for an annual fee being assessed. In XX/XX/XXXX, I received a paper letter in the mail stating that a loan payment was not paid. I called Regions asking what loan I had with them. Regions notified me the LOC account was still open and that they have charged a {$50.00} fee, as well as a {$35.00} fee for not paying on time. Regions now claims I owe Regions {$85.00} as well as interest I presume. While the fees on an account that I wanted closed and had not received a statement on for over 7 months is egregious in and of itself, Regions insists they will not close the account unless I appear in person. No certified power of attorney is acceptable. No representative can attend in my stead. No modern legal vehicle will be accepted. I must take 2 days off work , drive 845 miles, stay in a hotel, go to the lobby of the bank I opened the account with, close the account, and drive 845 miles back. The only reasonable explanation I can come up with is that Regions Bank counts on clients just paying $ XXXXyr for the rest of their lives in order to avoid the likely {$1000.00} it will cost to travel to the lobby where they opened the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-07-23

Dacula, GA

Communication tactics

Debt collection: Credit card debt

You told them to stop contacting you, but they keep trying
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-07-23

Ft Lauderdale, FL

Lost or stolen money order

Money transfer, virtual currency, or money service: Money order

Complaint: On XX/XX/19 I purchased a XXXX XXXX Money Order from XXXX for {$260.00} to make a payment on My Car Loan with XXXX XXXX XXXX XXXX. The payment never was Credited to my Loan Account. I went to XXXX XXXX and they performed a Search for the payment in their system and could not find it. They told me to contact XXXX XXXX and find out who XXXX XXXX paid for the Money Order and XXXX XXXX said it was Regions Bank. I went to Regions Bank and they told me they can't search their records for it due to the Privacy Act. I asked XXXX XXXX to contact Regions, one financial institution to another to help me get the money back. XXXX XXXX said Regions would not help them. I filed complaints with FL Atty General against XXXX XXXX and Regions Bank. They sent it to the FL Office of Financial Regulation. The OFR said they could not help me on the Complaint against XXXX XXXX. I asked about the Complaint Against Regions Bank and the referred me to you. Please see all my attached correspondence and the actual Money Order in question for {$260.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-23

Belleville, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-22

Cordova, TN

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: I filed a chapter XXXX XXXX. My bankruptcy has currently been completed as of XX/XX/XXXX. Doing the bankruptcy I didnt include my mortgage. I paid it outside of the bankruptcy. Regions Mortgage and Bank will not report accurate information on my first and second. The bank says its the credit company and the credit comapny says its the bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-22

FL

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Card was charged for something you did not purchase with the card
Complaint: I notified regions bank of multiple fraud charges on my account and they denied them stating that too much time had passed since the charge took place. I have been told that there is no time limit to report fraud charges on my account. below are the charges and dates that I reported to regions bank on my credit card. date merchant amount XX/XX/2016 XXXX XXXX XXXX XXXXr XXXX XXXX XXXX XXXXXXXX XX/XX/2016 XXXX XXXX XX/XX/20XXXX XXXX XXXXXXXX XX/XX/2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not have a letter from them about this because even though they said they sent one out, I never received it in the mail. I believe them denying my claim is against the regulations set in the fair credit act and they have clearly and knowingly broken the rules and regulations set in order to avoid refunding my fraudulent charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-22

Mabank, TX

Problem with customer service

Credit reporting, credit repair services, or other personal consumer reports: Credit repair services

Complaint: I have a loan with REGIONS BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX and ( REGIONS BANK ) with no successful resolution. XXXX and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-21

Ft Lauderdale, FL

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Reporting company used your report improperly
Complaint: I closed my region visa credit card XX/XX/2019 I wrote and called and spoke to loss mitigation Dept because I wanted to settle the credit card. Region keep reporting to the credit bureau I am late in lieu of me trying since XX/XX/2019 to pay off and settle this account. I have in writing from them stating they need my income tax returns in order to settle. They have also put my name In XXXX system trying to prevent me from using a checking account or write checks I found out thru another establishment that knows my checking account is in good standards. I want my name removed out of the XXXX system and I also would like to settle my credit card with regions to be done with them. They are not cooperating but are reporting 4 late payments on a closed account that I am trying to pay off and settle with them. They are sabotaging my credit file and putting incorrect information in the system to make it look like I am writing bad checks. My new bank advise me to report them because I am in good standing with my checking and credit account with them. Please please help in this matter
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-19

Dyer, TN

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response