REGIONS FINANCIAL CORPORATION

2015-08-12

Cheniere, 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

2015-08-12

Athens, AL

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

2015-08-12

Pinellas Park, FL

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

2015-08-12

Soddy Daisy, TN

Customer service / Customer relations

Credit card:

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

Disputed: No Timely Response

2015-08-12

Avondale, KY

Problems caused by my funds being low

Bank account or service: Other bank product/service

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

Disputed: Yes Timely Response

2015-08-11

South Florida, FL

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I opened my account with Regions bank back in XXXX 2015. This is n't my only bank account I currently have XXXX XXXX XXXX and XXXX XXXX. Regions seems to the be the only headache and this why since I opened my account more than 6 months ago I have encountered over XXXX $ in overdraft fees. Till today I have had ENOUGH of it. On XXXX/XXXX/2015 around XXXX my account had a balance of negative XXXX XXXX dollars and change. So I went to the bank and deposited {$40.00} my balance was {$3.00} today in the morning I made a payment to XXXX XXXX XXXX of {$200.00} when I go to the bank to deposit the money I see that I have {$210.00} in NSF. From transactions that happened back on FRIDAY it 's TUESDAY. And okay I understand merchants take blah blah blah days to withdraw money from your account. But in my account it shows that these transactions ( 6 of them places like XXXX, etc. ) where posted XXXX/XXXX/2015 and that NSF was charged XXXX/XXXX/2015. REALLY? REALLY? REALLY? when I went to the bank at XXXX on XXXX XXXX, 2015 and your supposedly cut off hours are XXXX? My receipt printed with a {$3.00} POSITIVE BALANCE! These NSF are completely unfair, your online application completely and utterly sucks. So basically what I am trying to say is how if I went to the bank on Monday at XXXX and have a balance of {$3.00} I wake up with a NSF of XXXX in less than XXXX hours with out any warning that my account may be come over drafted, or ONE at least WARN ONCE before charging 6 over drafted fees. Regions shows you that you XXXX dollars left but not the pending transactions, like in this case I went to XXXX Friday @ XXXX and this showed up sometime Tuesday XXXX XXXX, 2015. I have called regions multiple of times, I have gone to the branch and until today that I got really mad no one was giving me answers like the famous " Opt-In over draft protection '' or explaining to me that the balance that I see on my phone is n't the correct balance that their might be missing transactions. And your own employee said that they only had regions for payroll, because quote on quote " You people are a mess '' The way I see it is regions does n't try to protect their customers from overdraft they do n't fully discloses ways to help you or add an over draft protection.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-11

CA

Application, originator, mortgage broker

Mortgage: Other mortgage

Complaint: Mortgage lender Regions Bank, XXXX GA, violated the FTC Safeguards rule by sending my entire loan application with account numbers and social security etc via unsecure email attachment with no password protection after I asked them to fix secure transmission and explicitly told them not to email the application with no protection. FTC website sent me here.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-09

Birmingham, AL

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 non-monetary relief

Disputed: Yes Timely Response

2015-08-09

Newport, TN

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Denied a Now Card account. Possibly because have no credit.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-09

FL

Application, originator, mortgage broker

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Regions Bank holds the mortgage on my home. I applied to Regions Bank for a refinance loan. Regions put in in touch with a loan officer, XXXX XXXX XXXX. In my initial conversation, I disclosed to him which loan I wanted and our financial circumstances. Based upon this, Regions knew or had reason to know that I could not qualify under the requirements of the loan which I sought. This is the case despite the fact that we have excellent credit and financial resources. Today, over 90 % of loans are sold to XXXX XXXX or XXXX immediately after securitization. These two XXXX then issue securities guaranteed by the full faith and credit of the XXXX, either through securitization or as covered bonds. We fail to meet the income and debt ratios for the loan under XXXX XXXX XXXX guidelines. In this case, Regions was only prepared to make a loan conforming to these guidelines. I was informed of none of this. Instead of informing me of this by " prequalifying '' me for the loan based upon my verbal representations in relationship to the guidelines, Regions issued a full loan disclosure document. XXXX XXXX then asked me to submit detailed financial documentation to substantiate my representations which I did. Subsequently XXXX XXXX requested me to submit additional documents and had me increase the monthly distribution paid from our trusts and documentation confirming that this amount had been paid into our Regions ' checking account. The entire process took more than XXXX months and a significant amount of my time. Even at this point, no one bothered to inform me that based upon the documentation submitted I did not meet the underwriting requirements for the loan. Instead, I was asked to pay {$400.00}. for an appraisal to secure a loan that would never be made. Only after payment was made was the documentation submitted for a review by an underwriter who belatedly started the process leading to my being informed that I did not qualify. In short, Regions wrongfully caused me to spend {$400.00}. when either they knew or should have known that the loan would never be made. This is a wrongful consumer abuse. Apparently, the procedure described above enables Regions to make more loans with a lower overhead. Most banks have licensed mortgage brokers taking applications who will inform a customer right away if the customer fails to qualify for the loan under its specific underwriting requirements. I do not believe that the consumer should be stuck with the bill because Regions has changed the way this type of transaction is customarily handled without first disclosing this to the customer. Regions, at a minimum, should either conform its procedure to the customary way other lenders take loan applications or make prior written disclosure to a loan applicant that fees will be collected without prior prequalification of the customer.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-08-07

Karns, TN

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

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

Disputed: No Timely Response

2015-08-07

Bexley, OH

Cont'd attempts collect debt not owed

Debt collection: Credit card

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

Disputed: No Timely Response

2015-08-07

Fort Lauderdale, FL

Application, originator, mortgage broker

Mortgage: FHA mortgage

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

Disputed: Yes Timely Response

2015-08-07

Alton, IL

Making/receiving payments, sending money

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

2015-08-07

Coral Gables, FL

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

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

Disputed: No Timely Response

2015-08-07

Key Biscayne, FL

Billing disputes

Credit card:

Complaint: I contacted XXXX because they seem to offered great services are used their their fuel card a couple of times am I stopped using it because every time I will have to make a payment job and I was having trouble logging into my account. I was obligated to call and make a payment over the phone him with an expensive flat fee of {$15.00} for credit card processing over the phone so pretty much does the catch the lower your fees I want to fuel your gas tank for your trucks but then they charge you a {$15.00} fee to pay over the phone because every time I try to log into my account I would always never able to login. The XXXX month I decided to use it again no I would give it a second chance am I tried to login again to make a payment it was unsuccessful I made several calls about I was on hold for over XXXX minutes waiting for instructions to reset my password and be able to log into my account I was not able to login after following their instructions for several times and several times am I was ready frustrated I told him to please waive my fee that I will pay it over the phone. The XXXX month after being frustrated of nerve being able to log into my account after speaking to several of the agents and following their instructions step-by-step to reset my password I was not able to login I decided to cancel my account on not use the card anymore so I called her you asked to speak to a manager they passed me on the phone with the manager I explaining the situation he attempted to reset my password again unsuccessfully so I decided to Pay off my card balance and have my account close because I believe I was n't going to be using it no more I found it useful and from time-consuming for me he said are the total balance I paid it over the phone and he said my account was going to be closed.he was kind of rude I believe because he did n't want me to cancel their services but he was n't in the best mood now the next month I received a bill which I do n't understand why if I paid off my account I 'm on top of that they had added a {$80.00} fee for late charges him that I do n't understand why and since then I have n't paid them I 've been trying to fight with them and not I 'm not getting anywhere and every month they keep adding a late charge of {$80.00} I just I would 've never signed up to this account if I would 've known they were going to charge me fees on top of fees. And now this is beginning to affect my credit score.
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2015-08-06

Eden, MS

Problems when you are unable to pay

Consumer Loan: Installment loan

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

Disputed: No Timely Response

2015-08-06

Saint Augustine, 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 non-monetary relief

Disputed: No Timely Response

2015-08-06

Saint Petersburg, FL

Communication tactics

Debt collection: Other (i.e. phone, health club, etc.)

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

Disputed: No Timely Response

2015-08-06

Oldsmar, FL

Account terms and changes

Consumer Loan: Personal line of credit

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

Disputed: No Timely Response

2015-08-05

Smoke Rise, GA

Communication tactics

Debt collection: Credit card

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

Disputed: No Timely Response

2015-08-05

Kosciusko, 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 explanation

Disputed: No Timely Response

2015-08-05

Tallahassee, FL

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

2015-08-05

Hamburg, NY

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: I filed Bankruptcy XX/XX/XXXX and did not include in mybankruptcy filing my security interest in XXXX XXXX XXXX AL XXXX as I was not the debtor on this loan. Irecently received notices from Regions Bank that they wereseeking an automatic stay and co-debtor stay on XX/XX/XXXX. Motion was granted and I was ordered to pay attorney feefees in the amount of {$420.00}. I am asking the CFPB tointercede in this request for fees due to the following:1. I was never a co-debtor. I did not sign the promissory note. The note was signed by XXXX XXXX XXXX in her name alone. Iam not responsible for this debt and any fees arising fromactions on this debt, the debtor is responsible. 2. I did sign the mortgage along with my brothers accordingto the requirements of Regulation Z acknowledging myinterest in the security and my right of rescission. 3. Since I did not sign the promissory note, only XXXX is responsible for all debts arising from thelegal actions pertaining to this loan 's default and Regionsshould pursue her not me for any default/attorney feeson this loan. 4. I have not assumed or refinanced this loan in my name
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-05

Gentilly, LA

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: We are Regions Bank customers ; Account # XXXX. Last Saturday was the XXXX of the month, and Regions ' " Helpful '' FEE GENERATING SOFTWARE kicked in. Our Account was debited for 3 large Bill Payments to a. ) my Credit Union XXXX {$400.00} XXXX b. ) to my Electric Bill XXXX {$270.00} XXXX and c. ) to XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX. Last year, each of these payments had been re-set by me, with the personal assistance of one of Regions ' associates, for after the XXXX of the month, howeverRegions ' FEE GENERATING SOFTWARE paid them early on XXXX XXXX. What 's more, NSF FEES have hit our account in the amount of {$100.00}. Today is XXXX XXXX, and while the {$400.00} payment debited by Regions on the XXXX, no such payment has been received by XXXX XXXX as of this moment!. In addition, XXXX XXXX XXXX has charged me {$27.00} for NSFs reloating to not having received the {$400.00} payment, debited last Friday!!!
Company Response: Company chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response