REGIONS FINANCIAL CORPORATION

2015-09-21

Belleville, IL

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-09-21

GA

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: In dealing with Regions bank, I never received an initial loan statement for a used car loan. After 30 days I became concerned and contacted them on XXXX XXXX, 2015. They did not have my apartment number in the statement and I updated them accordingly. They noted my payment was due on the XXXX of XXXX but there was a 10 day grace period and asked if I would like to pay. I said no, noting that my first payment I would like to send myself and not through customer service. The rep noted that I would be sent another statement to my updated address and then asked if I would be able to access this account online. They then said yes and offered a checking account, which I declined. The rep noted that I would receive a statement in 3 to 5 business daysOn XXXX XXXX, I received a call from the Collections unit, noting I was delinquent on my loan and asked if I would like to pay. I told them I had called on the XXXX and they were supposed to send me a new statement and that I have not yet received one. The Collections agent noted that they did not see mt updated address and that they would have to add the missing apartment number then asked if I would like to pay. I said again that my first payment I would like to complete on my own and not through customer service. They said I would be receiving my statement shortly. On XXXX XXXX I got another call from the Collections unit, noting I was late on my account. I told them I had not yet received a statement and they said my apartment number was missing. I told them I had already spoken to them twice before and still have not received my statement.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-09-21

AL

Using a debit or ATM card

Bank account or service: Checking account

Complaint: On XXXX or XX/XX/XXXX, my laptop became unresponsive and I was directed through a page on my screen to call a number for XXXX. This number directed me to a company called XXXX XXXX, who advised that they could diagnose my problems and remove any malware for {$490.00}. I was also told that they would remove XXXX and install XXXX for {$86.00}. As I had no reason to think they were dishonest, I authorized them to proceed and gave them my bank card number. That night, I was continuing to have problems. During another call to XXXX I advised that I was not satisfied with their service and advised that I withdrew my authorization for these charges. The next morning I contacted a local computer specialist, who advised that malware was indeed downloaded on my computer by XXXX. I paid him {$99.00} to remove all malware from my computer. On XX/XX/XXXX the charges did not appear as pending in my account detail register so I assumed they were not put through. The bank in question is Regions Bank. Its routing number is XXXX. The card in question ended in XXXX. The morning of XX/XX/XXXX the charges were shown as pending in my detail register. I went to the bank and explained what had happened, and that I did not want the charges to go through. I was advised by XXXX XXXX at the XXXX XXXX branch to complete a stop payment on each charge, at a cost of {$36.00} each. I asked him if I needed to take further action, and he said no. He said the charges would 'drop off ' my account. The next day the charges were still shown as pending, so I went back to the XXXX XXXX branch, where I spoke to XXXX XXXX. She told me that putting a stop payment on a debit card was useless, so she reversed the service charges. Instead, I was told I needed to cancel my debit card. So that was done. She advised that no further activity could be processed on that card number. On XX/XX/XXXX my bank statement that the charges of {$490.00} and {$86.00} had been put through on my bank card, ending in XXXX, which had been canceled a month previously. I went back to the bank and spoke with XXXX XXXX again. After calling the bank help desk, she informed me that what I should have done in XXXX was to submit a debit card dispute form. She was surprised to learn that canceling my debit card would not have prevented charges for being put through, as I was told. She said that merchants could put through a charge within 180 days, even on a canceled card. How did she not know that in XXXX? A debit card dispute form was submitted on XXXX. She told me that this was a formality, and that I would get something in writing in ten days. I asked her point blank if there was any chance these charges would not be credited and she said no. The next day I went to the XXXX XXXX to discuss the matter, as I was not satisfied with the responses I had received initially. I spoke with XXXX XXXX, and was assured the dispute would be taken care of. She also acknowledged that I had been scammed by XXXX. In addition, she apologized for the lack of proper handling of my problem by the personnel at XXXX XXXX. I contacted the branch twice by phone and was told I had a provisional credit pending. I called XXXX XXXX on Thursday, as per her request. She did not return my call. On XX/XX/XXXX I received a letter from Regions stating that no evidence of fraud was found, and the charges would stand. At no time was I told by bank personnel that I needed to take further action with XXXX, other than my phone call on XX/XX/XXXX. I have since been advised that a dispute claim should have been filed in XXXX, which I realized the charges had been put through. I am being penalized for getting erroneous information XXXX from bank personnel. Had a fraud dispute been completed in XXXX, all of this could have been avoided.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: Yes Timely Response

2015-09-18

Huntley, IL

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-09-17

Springfield, IL

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: My husband placed an order for XXXX items over the phone XXXX, they place the order on my debit card on file instead of his. I did n't have funds to cover this order in my account but it showed pending transaction. They cancelled the order and reordered on his debit card. I called my bank to let them know. XXXX said the charges will drop off, not post because they cancelled transaction after 24 hrs. The items were the last XXXX items on my account for that day and they are still pending today, but my bank charge me for XXXX pending transaction. I took a screen shot of my online transaction last night and again this morning. The items are still pending but I was charged {$100.00} for these items in pending status. I was told by the telephone banker I will still be charge even when the fall off.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-09-16

Atl, GA

Balance transfer fee

Credit card:

Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-09-16

TX

Deposits and withdrawals

Bank account or service: Checking account

Complaint: My Regions Checking acct was compromised recently and about XXXX transactions took place within 3 day period that I did n't know about until about two days ago. I am in the process of buying my first home. I have been approved for a mortgage and I found a house and I have just wrote the first XXXX checks toward the purchase. XXXX for {$100.00}, the option period money. and the second for {$1000.00}, the earnest money. These are the first checks I have written out of this Regions checking account as well. Now that the account has been totally emptied my checks are going to bounce for insufficient funds, even though I called the bank to tell them about the frad, they said I could n't do anything untill all the transactions had posted to the account, and then I would have to go into a branch as fill out something and then it would take about 10 days for them to investigate the claim and after that I would have access to my funds again. The checks are going to bounce by then. Not only will I lose the house, bu the seller can sue me as well. I tried to explain this to the bank, and reminding them that if they followed the electronic transfer act that I was by law entitled to get the funds involved in the dispute put back into the account for my use while they investigate the claim. They wo n't do any such thing. They are not seeming to understand the seriousness of these XXXX checks. They said if they are returned then the merchant may represent them. Its not even that kind of transaction. This is to go into an escrow account to purchase a home. I ca n't seem to get them to move and even get started with the dispute. I am very angry and disappointed with the customer service and procedures this bank takes for helping people that have been a victim of fraud. I do n't know what to do.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-09-15

Berthoud, CO

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Checking Account reopened when I closed my account in person with a positive balance I closed my account in person at the XXXX, GA Branch with a positive balance in XX/XX/XXXX. I just moved and tried to open a new account only to see that Regions has reported by account as overdrawn by {$170.00} and reported my account to XXXX in XX/XX/XXXX. I had filed numerous complaints against Regions bank using XXXX. The latest was complaint XXXX. The business provided false documentations about me stating that I never requested my account be close. Here is my response " I received a response from a Branch Manager of a Branch I have never used before. I requested a response from Corporate Resolution, not a Branch Manager. In the response, the Branch Manager provided false information pertaining to my account and about when I closed my account. I will upload their response, so their response will be public record with XXXX on how they manipulate data to fit their agenda. No rebuttal is required from business regarding this XXXX complaint, as I have filed a investigation with the FDIC and XXXX. In addition, since I filed Chapter XXXX in XXXX, Regions is in violation of my bankruptcy rights by filing a false claim with XXXX. '' Instead of Regions Corporate further looking into the complaint, they sent my account to collections. This account was closed with a positive balance with no transactions going through it in XX/XX/XXXX. I did this at their XXXX, GA Branch. They kept my account open without my consent or permission. regions refuses to show me the branch records that will indicate that I went into the branch to close the account.
Company Response: Company chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2015-09-14

Houston, TX

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-09-14

Hattiesburg, MS

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: Yes Timely Response

2015-09-14

Gretna, LA

Using a debit or ATM card

Bank account or service: Checking account

Complaint: On XXXX XXXX 2015 ( Monday, XXXX/XXXX/15 ), I was the victim of an identity theft on my personal checking account from Regions Bank. My account was defrauded {$500.00}. Additionally, as the ATM used for the fraudulent transaction was operated by XXXX, my account was deducted {$4.00} in ATM usage fees from XXXX, {$2.00} in ATM usage fees from Regions, and {$2.00} in account balance verification fees from Regions. Altogether, my personal checking account from Regions was defrauded {$500.00}. Upon discovering that I was the victim of an identity theft, I immediately contacted Regions Bank and informed them of the fraud. I explained to Regions that my debit card was in my possession the entire time, was never stolen/missing, and was never given to any other individual for use. Whether by skimming or another card hacking device or technique, my card and pin were compromised and used at a local ATM for theft. I was instructed by Regions to destroy the current debit card in my possession as that card would be cancelled in the Regions system. Per Regions Bank, a new card would be sent to me and the fraudulent transactions would be flagged and investigated. I was instructed to stop by at a local Regions Bank branch to sign the requisite forms, including affidavits, verifying that the withdrawal was indeed a fraudulent transaction. As this happened on XXXX XXXX, the banks were closed. The very next morning ( Tuesday, XXXX/XXXX/15 ), I stopped by the XXXX branch in XXXX, LA to complete the forms. I checked in with Regions Bank on Friday morning, XXXX/XXXX/15 to inquire about the pending investigation. I was told that my claim was denied for a return of the stolen funds as this was an ATM withdrawal and, per Regions, the only way money could be withdrawn was with the use of my card and my pin. Additionally, as I was " in the area '' ( XXXX XXXX is not that big of a city ), my claim was denied. A notice would be mailed to me and arrive shortly explaining their denial of the claim. Their " investigation '' took less than 2 business days. I asked them to take a look at the ATM video footage of the withdrawal in question in order to verify the identity of the actual person who committed the crime. Per Regions, as this happened at a XXXX location, they can not review ATM footage unless the local police department conducts an investigation and receives the video footage ; to then hand over to Regions Bank. It was at that moment, days later, that the bank advised me to contact a police department and file a police report. Currently, this matter is being investigated by XXXX as the crime happened in XXXX XXXX, LA. I 'm filing this complaint for several reasons:1. Regions Bank advised me to contact the local police AFTER their investigation and claim denial. If a police report is a vital part of a bank 's fraud investigation, then the consumer and identity theft victim should be advised upon reporting a fraud. 2. Regions is apparently not up to date on current fraud techniques and, as such, can not provide adequate consumer protection. 3. I do not do business with XXXX. If Regions and XXXX allow account holders to access funds using each others ATMs, they should be able to exchange information regarding cases of fraud or other financial crimes. 4. Throughout the claim process, I was treated like the perpetrator, not the victim. I was told by several Regions associates ( names withheld ) that as the withdrawal was at an ATM, the individual accessing the funds had to have been me. I was told that as I was " in the area '', the fraud was most likely committed by me. The only way that I, the victim, can expect any level of consumer protection and restitution is to do the legwork of the bank : Providing data, contacting XXXX to request a release of the video footage to the police, and acting as an intermediary between the banks.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-09-13

NC

Late fee

Credit card:

Complaint: BP BUSINESS SOLUTIONS MASTER CARD- You can only receive your bill electronicallythe bill arrive on the XXXX and must be paid by the XXXX ( only 13 days ) If you have a Mac & use Safari You ca n't pay online anymore - Their IT dept disabled this option for Mac users. XXXX XXXX sent my Bill Pay payment on the XXXX. BP could n't process payment or put my payment of XXXX on another persons account. They did n't process my payment until XX/XX/XXXX on XX/XX/XXXX they charged me XXXX for a late fee for the remaining balance of XXXX plus they are charging default int fees of XXXX & XXXX & on XX/XX/XXXX they charged me XXXX for a late fee for the same issue
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-09-11

Doral, FL

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-09-11

Hialeah, FL

Shopping for a line of credit

Consumer Loan: Personal line of credit

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-09-10

Dothan, AL

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-09-09

Baton Rouge, LA

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-09-09

Dallas, TX

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I was charge over drafted fee of items that where XXXX dollar or less. I had direct deposit set up for this account and I had over {$350.00} with over draft fee for an items less the XXXX dollars with. I spoke to them at the XXXX telling them that I had this happen before and they did not charge and over draft fee for these items. But they said that the charges could not reversed even thought they had done it in the past. My complaint in that they are not consistent in what will have an overdraft fee and what will not. I willing to pay the amount owe but I not happy with paying over {$350.00} over draft fee for something that they did not charge me before
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-09-09

Duncanville, IL

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I was at the hospital on XXXX/XXXX/15. I knew I had a check still out for XXXX. I had a check that needed deposited but didnt think I would be done in time to get it there. I called Regions bank and they assured me that my account was not in overdraft and looked fine. There would not be an issue. This morning I woke up to XXXX worth of OD fees charged to my account. When I called and spoke with them they said that they couldnt see the checks coming through. I then asked why did they clear first if they were the last things to show up? She said they pay the higher amounts first and it trickles down. I explained that I was told yesterday bu XXXX that my account was fine. She said I was the only one who knew about the checks and there was nothing they could do. I have a real problem since I had money that could have been deposited to avoid this but I was told it would be ok. Also, because the checks coming through that werent seen were paid first. If they had gone in the order they received them I may not be so upset over the XXXX check fee but this is ridiculous. They say its ok and process however it profits them. I understand they are a business but they are a crooked practice that is unwilling to work with a customer that has been with them for year.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-09-09

MS

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: Regions Bank charged my account for a XXXX charge that I did not authorized and made my account overdrawn with insufficient funds. This caused a {$36.00} fee Regions charged to me. The XXXX charge was not authorized and Regions charged it to my checking account.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-09-08

Franklin, TN

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-09-04

Hoard, TX

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Hi my name is XXXX XXXX, my husband XXXX and I shared an account we opened in XXXX XXXX. We reside in XXXX XXXX, my mother in law lives in XXXX XXXX. Recently I went to the XXXX branchin XXXX XXXX and made XXXX deposits in the drive thr ough. The teller, XXXX was extremely rude, making a wrong deposit for the in correct amount. She made me wait and I was the first customer. I was trying to help and advise her that she made an improper deposit. Also I was trying to takes care of another business related issue on my phone. Another lady came on the speaker yelling at mesaying, _your on your phone you need to get off '' the call was very important. I then advised her that it was business and that I will report the rude behaviour. The other lady screams ha you think you 're a banker. '' I drove off and continued my call and pulled across the street in the parking lot to write down information. I then called customer service and spoke with someone regarding the tellers. Then a police officer pulls behind me questioning me he then witnessed I was on the line with Regions and told me have a great day. He also said the tellers alleged they were scared. I feel stereotype d marked because of my race, also that was unethical, those tellers knew what and how they treated me was wrong, if you did n't do anything wrong to anyone then there 's nothing to be afraid of. I left a message for the branch manager XXXX XXXX. She never returned my call. I called XXXX and spoke with someone, the lady made contact, then XXXX called me yelling in my ear never affording me the opportunity to speak, hanging up in my face then she forced my account to be closed out of retaliation. She bragged about the people she knew and how she been banking a long time. This woman was rude and I am respectful ly request ing that someone address the matter and respond to me, if not I will call me back, and I would like the decision overturned.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-09-03

Harvey, LA

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-09-03

Fort Worth, TX

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Regions Bank is erroneously reporting a negative bank account in my name to XXXX and possibly XXXX, although they have been notified numerous times of the ongoing identity theft I 've been fighting for over 8 years, and despite the fact that they are fully aware of my fraud and security alerts and recent bankruptcy filing. I 've made several attempts to resolve this issue and am beyond tired of this thing coming up to bite me when I want to open a new financial account. It 's embarrassing and frustrating. This bank has horrible customer service, is not responsive to consumer inquiries/complaints and does nothing to resolve major issues like this. I want this item removed from XXXX, XXXX, XXXX, XXXX, XXXX and XXXX, as well as any other agency that compiles personal consumer information, without that consumer 's knowledge, without any verification of validity and that which significantly and negatively impacts consumers ' day to day financial life. Banks, credit reporting bureaus and financial account recording agencies are predators in the financial services industry and I want them held accountable for their unethical and illegal business activities. At the very least, I want any association of my name, social security number, financial account information, driver 's license number, state identification number, past and present addresses, date and location of birth, relatives, friends, ex-spouses, and any other pertinent personal identifying information to be immediately removed, permanently, from the records, files, databases and archives of these sharks. They ruin lives.
Company Response: Company chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2015-09-02

Clementwood, VT

Late fee

Credit card:

Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-09-02

Rogers, AR

Problems caused by my funds being low

Bank account or service: Checking account

Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response