REGIONS FINANCIAL CORPORATION

2015-09-01

Blue Hill, AR

Account opening, closing, or management

Bank account or service: Checking account

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

Disputed: No Timely Response

2015-09-01

IL

Deposits and withdrawals

Bank account or service: Checking account

Complaint: Regions bank applied un-warranted overdraft charges to my checking account. The balance never went below - {$2.00}. I reviewed my balance daily, balance never went below stated amounts. The bank states items caused {$72.00} in overdraft charges, but never di account from my view show the negative amount they are claiming. I suspect they are intentionally hiding transactions from customers in the name of higher bank profits, I believe it could be termed " Rob-N-the-Hood ''. When questioned why I was never priviledged to see said transactions, they stated in an email on their web site that it was complicated. Consumer rights should always be able to see all transactions presented to bank, not hidden. So since the bank sees this as an incredible profit opportunity, I elect to have refunded to me an amount for comparable amounts, my revenue vs their revenue would be fair. Say {$10000000.00}, no less. This should and most likely is disceptive, illegal, immoral practice on the part of the bank and they need to be punished as such.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-31

Chipley, FL

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 non-monetary relief

Disputed: No Timely Response

2015-08-28

Kendall, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

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

Disputed: No Timely Response

2015-08-28

Pinellas Park, FL

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: I opened a HELOC with Regions Bank XXXX years ago. I borrowed essentially the entire credit line, and I 've been making timely payments since then. Recently, I noticed that I was charged an " Inactivity fee '' of {$100.00}. While I took note of the fact that inactivity fees were listed in my agreement when I signed it ( and this is typical of all HELOCs ), Regions Bank has decided to interpret the meaning of " activity '' in a new and deceptive way. Even if your credit line is fully in use, they will charge an " inactivity fee '' if you do n't take a *new* advance each year. I believe that this is a deceptive practice at a minimum, and may violate the terms of my agreement, as it expressly does not say that a " new '' advance must be taken each year -- only that there must be an advance each year, which I interpreted to mean that my line is in use, given that this is an " inactivity fee. " I believe that Regions Bank is defrauding all of its HELOC customers by charging this fee, and that their actions are based upon a questionable interpretation of their contract language which actually constitutes a violation of their own agreement.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-08-28

Dallas, TX

Deposits and withdrawals

Bank account or service: Checking account

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

Disputed: No Timely Response

2015-08-27

Barry University, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

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

Disputed: No Timely Response

2015-08-27

Decatur, GA

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

2015-08-27

Indianapolis, IN

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

2015-08-27

Mdn, MS

Making/receiving payments, sending money

Bank account or service: Cashing a check without an account

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

Disputed: No Timely Response

2015-08-27

Magnolia, TX

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: Dear sirs, I am following up to my case # XXXX, please refer to those documents. The only update and help I need relates to the letter sent by Regions Bank as a response to the CFPB and myself. On that letter which is included in the case file, is dated XXXX/XXXX/14, in which they apologize for the error and would be requesting all credit agencies to remove the charge off entry and replace with paid off, when I refinanced my home loan. Unfortunately, upon recent updated af another bank loan, my credit report still had the entry as charge off, not paid off as they reported to have done, copy included. I tried calling Regions again today with little help on the topic. I would like your assistance with resolving this issue and would like to know what ramifications Regions bank will have for not fixing this problem, which continues to lower my credit score.
Company Response: Company chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2015-08-26

Billings, MT

Loan servicing, payments, escrow account

Mortgage: Other mortgage

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

Disputed: No Timely Response

2015-08-26

Hialeah, FL

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

2015-08-26

Brazito, MO

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

2015-08-26

Clarkstown, NY

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

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

Disputed: Yes Timely Response

2015-08-26

Atlanta, GA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I wrote XXXX checks from my credit union checking account to deposit into my Regions Checking account. Both checks cleared my credit union account with the amount deducted the next business day. Regions has almost XXXX week later now held these funds for fraud monitoring till next month even though they have received these funds. They claim a confidential source has indicated that the checks may not clear. They have also retroactively returned ACH payments from different merchants and banks well after they were approved. I contacted the local branch in my city who said that only the branch where the account was opened, which is out of state, could assist. Regions has received an almost {$20000.00} interest free loan from me, is holding our money without any ability to access it, creating return check fees to our credit card and auto loan institutions and damaging our internal ratings, and insulted us with a claim of confidential information of non-payment. This claim is patently false as the account the check is drawn from is my own and my credit union has already sent them the funds. I believe this claim is used as an unsubstantiated excuse.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-08-25

Huntsville, AL

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

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

Disputed: No Timely Response

2015-08-25

Knoxville, TN

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 explanation

Disputed: Yes Timely Response

2015-08-24

Grangeville, 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 explanation

Disputed: No Timely Response

2015-08-24

Cordova, TN

Deposits and withdrawals

Bank account or service: Checking account

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

Disputed: No Timely Response

2015-08-23

Knoxville, TN

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: I have XXXX bad things on Regions bank that just not right. I still and have always had an account there for years. They gave me a line of credit that with my auto deposit they took it out each month. I just do n't understand. I am in great standing with this bank Regions opens in XXXX tn. Please help me resolve this and get my credit up. Also my insurance paid the outstanding bills. Thank XXXX
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-22

Grassy, MO

Using a debit or ATM card

Bank account or service: Checking account

Complaint: I have had my checking account with Regions Bank for quite some time now, maybe 6 months, and I have always done everything to safeguard my personal information and pin number from theft. I hid my pin number to my debit card in a pair of grey sweatpants in my closet, and my debit card in a safe in my living room. On or around XXXX/XXXX/2015, I noticed about XXXX or XXXX unauthorized transactions on my account, and reported this to Regions over the phone, which started the claim. A new card was sent to me, and the old one cancelled. I received the claim AFFIDAVIT in the mail about 7 days after that. In the AFFIDAVIT, I specifically stated that I believed that my ex-girlfriend and her brother might have taken my PIN number, more so her than him, because she lived with me, and although I NEVER told her where my PIN number and debit card were located, she WAS my girlfriend and it s conceivable that she could have searched throughout all pairs of my pants in my closet, found the pin number, and could have been watching me enter the code to my safe. This is all speculation though. I faxed the completed affidavit ack to Regions and the next day, I was told that Regions had received it, and that my claim should be finalized by XX/XX/XXXX no later than the close of business day, XXXX/XXXX/2015. On XXXX/XXXX/2015, I called the REGIONS CONSUMER PROTECTION department, which handles the fraud claims, and asked what time the funds stolen from me would show up in my account. I was told that my claim had been denied, and that I did NOT state in my AFFIDAVIT how the pin number and debit card had been stolen from me. This is all a lie of course, because I specifically stated in my AFFIDAVIT that my ex-girlfriend and her brother might have been the ones who stole this from me. I was told that the ONLY way to reassert my claim would be to provide a police report and/or provide clarification on how the pin number and debit and came up missing. I explained to the " specialist '' over the phone that I had no further information regarding this claim, and that under Regulation E of the Federal Reserve Board rules Regions was required to reimburse me, and that this is NOT contingent upon the filing of a police report, because the police are NOT responsible for reimbursing me, REGIONS is. The police job is to catch crooks and criminals. Despite all of this, even if I had attached a police report, which I did NOT, and am not, the outcome would still have to be the same : REGIONS MUST REIMBURSE me. She hung up the phone me.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-08-21

Kendall, FL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

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

Disputed: No Timely Response

2015-08-20

Decatur, GA

Deposits and withdrawals

Bank account or service: Checking account

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

Disputed: No Timely Response

2015-08-20

Amarillo, TX

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