Date Received: 2021-03-25
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/21, {$5000.00} was fraudulently taken in unauthorized XXXX transactions from my checking account at Regions Bank in XXXX, Alabama.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 354XX
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: REGIONS BANK is claiming that I owe them {$0.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77301
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-22
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: The office is very unprofessional and have no concern for meeting the client 's needs. I started a construction to perm loan process XX/XX/XXXX until XX/XX/XXXX. Several mistakes were made along the way. To say the least, I was not satisfied that my time was wasted and the amount of undue stress I dealt with. XXXX XXXX, XXXX XXXX, NMLS # XXXX was the loan specialist. To keep it short, I have excellent credit and the funds to back it. I am a XXXX XXXX XXXX veteran and the loan would be permanent to XXXX XXXX after the construct is completed. XXXX did not communicate very much because I had to always contact him to get a status and he had to always contact his manager as if he did not know the job. During the application process, XXXX nor his manager XXXX knew how to work the online process, so they delayed me until the administrative person returned from vacation. I emailed XXXX and XXXX all the documents to keep the process going but they failed to do so. XXXX asked for my credit card information to pay for the appraisal, I gave it to him over the phone and asked him not to share it. XXXX informed me there would be a {$450.00} charge for the appraisal which I approved but {$780.00} was charged to my card. When I questioned XXXX, he informed me the price went up because of the size of the house so they charged more to my card. I asked who they are because I only authorized you to use my card. XXXX said the appraiser company charged more. Needless to say, I canceled that credit card and preceded to request a refund of the overcharge. XXXX said he would look into it and get back to me but never did. The official appraisal was sent to me and it showed the cost as {$450.00} which is what XXXX originally quoted. I brought this to XXXX attention and preceded to ask XXXX for a refund on the difference several times. Not until I called his manager two months later was the money returned but the entire appraisal fee was returned because Regions decided they would not give me the loan because of the appraised value of the home was more than comparable homes in nearby neighborhoods. The appraiser did not include the land in the appraisal. The appraisal classified my new home two levels higher than other homes in the community, so Regions decided after five months that resale value was a risk to the bank. XXXX knew this information one month ( XX/XX/XXXX ) before he contacted me on XX/XX/XXXX via email to tell me to call him. The administrative person informed me that XXXX and XXXX knew on XX/XX/XXXX. I saw the email on XX/XX/XXXX and called XXXX for him to give me the bad news. XXXX explained he didnt call me because he doesnt like to give bad news and promise to get my refund on the appraisal which he never did. XXXX proceeded to share with me that Im building a very nice home but recommend I chose a home that fits the neighborhood and Regions would still give me the money. When I refused to do so, XXXX suggested I work with a friend of his at another bank, XXXX. XXXX never sent the friend contact information after I sent an email verifying the phone conversation. At this point I contacted his manager, XXXX XXXX and formally complained about how bad the service was and explained the appraisal fee to the manager who reassured me that I was not the only client rejected for the same reason. It took a week to get the appraisal fee returned to me. I spoke with my previous real estate agent who informed me that one of her clients had a similar experience with Regions bank. Both of us are XXXX XXXX. I curios if this is a form of XXXX profiling. I am filing a complaint at GA XXXX XXXX XXXX against the appraiser, XXXX XXXX, All Expert Appraisals as well because the appraisal was incorrectly completed as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I contacted this bank on behalf of my mother with her consent on XX/XX/2021 @ XXXX this was the conversation My is a my mother is customer of Regions Bank. We contacted you XX/XX/2021 @ XXXX when I discovered what I believe is scam. In less than 2 days she has depleted all retirement/checking account income and with no one questioning her about the transaction which would be abnormal for her account activity. {$9000.00} - XXXX gone withdrawn less than 48 hrs. Allegedly calling from XXXX XXXX saying they are supervisor of the DEA a federal agent would arrest her take everything she owned. Threats made about her kids if she said anything her kids being taken to jail if she give didn't them money. I'm so confused. We called the bank trying to explain but the women wasn't helpful. I've contacted the police left emails calls more calls contacted the stores where the crime took place. Contacted an Attorney. Less than 48 hours these criminals continue to contacted and harassed my mother after taken everything. Wow. Thanks Regions, purchased 19 gifts cards each worth {$500.00} at XXXX 's. I tried the the same action today XX/XX/2021 and needed ID and to sign the gift card book to complete the purchase ( store policy ). I guess only on XX/XX/2021 and XX/XX/2021 you don't need ID. It takes a village to protect the criminals. They neither place offered no support nor compassion.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72204
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I have tried for the last week to close my Account with XXXX XXXX issued by Regions Bank. Most of my calls end up on unending hold or I just get cut off. Today 's call was a transfer to the " Disconnect Department '' and then, after waiting on hold for a while, I got disconnected. This started out when I found out they were charging me {$10.00} per month for a card that they told my wife was free. So I see that as deceptive practices or outright fraud. All I want to do is close this account. I have zeroed out the balance by paying over the phone, that is the one thing that did work over the phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 24551
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: 3 days ago, I received a notice from a debt collector, XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX , WA XXXX. The creditor is : Regions Bank - Client Account # XXXX - XXXX Account # XXXX. The notice states that I owe Regions Bank {$850.00}. I had NEVER heard of Regions Bank before I received this notice, nor have I EVER done business with them. I called XXXX who told me to call Regions, which I did. I called Regions Customer Service, XXXX, who told me to call the Fraud Dept. I tried to call Regions Fraud Dept. ( 2 different times, 2 different phone # 's, XXXX and XXXX, that were provided ). I was on hold for 2 hours one day, 1 hour the second. A person never came on the phone. I called XXXX. They are putting this into a Fraud File. Yesterday, XX/XX/17, I called Regions Customer Center. They had no record of my SS #, and asked me to bring the letter to the branch. I've lived in XXXX XXXX years. There are no Regions Banks here. She then hung up on me. This bank is very poorly run, and is NO, absolutely NO customer service. They need to be investigated. They, out of blue, declare that a person owes " X '' amount of dollars, yet refuse to speak to the person they are attempting to fraud. I would appreciate it if you would look into this for me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74006
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-17
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for a {$10000.00} HELOC with Regions Bank based in XXXX, AL. I have a credit score of 794-810 on all three credit reporting agencies. My application was denied because of income to debt ratio. I have {$1.00} XXXX in liquid assets to cover a {$10000.00} line of credit. I sent the lender a balance sheet showing my network and offered to send them current quarterly statements to validate my network but they never made the request. I have a running balance of $ XXXX {$24000.00} in my checking account with XXXX XXXX XXXX XXXX My point, I was denied based on race and age and not my ability to repay the loan. My assets are in mutual funds, stocks, 401-k, IRAs, and Roth. All of debts are paid ahead and will be paid off ahead of the terms. I pay extra principle on my mortgage each month. I have a XXXX that is paid ahead 4 months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-15
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2021 my account ending from Regions Bank which was associated with to my XXXX XXXX application was stolen with several transactions of {$100.00} totaling {$1100.00} which as of today I have not received any answer or solution. As a trustworthy bank, I thought I would receive better attention from them about this inconvenience but I havent. I have personally gone to speak with the manager of the XXXX XXXX office located at XXXX XXXX XXXX XXXX XXXX, FL XXXX and they treated me very rudely and left without receiving any kind of solution. Then I went to another location with MrXXXX XXXX XXXX, branch manager of Regions Bank XXXX XXXX XXXX and he told me that they were going to submit an investigation but it's been almost a month and I still have not received a response about my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2021-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I bank with regions and I was looking to rent a unit and set up a payment for XXXX dollars to secure the lease but after I made the payment and it was put on hold I found the woman did not have the keys I was being scammed probably so I immediately called regions to cancel the on hold payment which had not been taken from my account yet. The first woman I spoke to said she would have to verify the payment for me to cancel when later I found in an email after 24 hours the payment would be canceled on hold but she verified it and made the payment for XXXX dollars to this scam artist. Now regions does not want to take responsibility for their employee not knowing the facts of her job ( 24 hour delete of on hold payment ) and the fact a regions employee took XXXX dollars from my account I was calling to cancel in the first place. I am sick with XXXX filing for XXXX and XXXX living out of a hotel on the last dollars I have left please help me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33614
Submitted Via: Web
Date Sent: 2021-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We believe the FDIC recently referred this complaint to the CFPB, however it has been market as a duplicate. While it may be similar to a previous complaint, new details regarding Region 's unwillingness to answer questions about the client 's escrow account have been added. Furthermore, if you review their response to the first complaint, Regions simply rehashed a timeline of what happened without acknowledging the issue whatsoever, let alone attempting to offer a solution. We implore the CFPB to review the unwillingness of Regions to address the client 's concerns in the first complaint and based on your review, consider refraining from closing the complaint. In our opinion, companies should not be allowed to type a long response with tangential details to fool the public with the appearance that they have actually attempted to resolved the issue with the client. ( For full details, a file with chronological correspondence with Regions Bank has been attached. ) XX/XX/XXXX : contacted customer support to request that my next [ extra, manual ] payment be applied to principal only. XX/XX/XXXX : customer service answered affirmatively, that my next payment would be applied as requested, and advised client to proceed with making payment online, which was initiated on XXXX XXXX XX/XX/XXXX : by default, online system drafted extra {$1500.00} beyond what was requested ( {$3000.00} ). A total of {$4500.00} was debited and additional ( regularly scheduled ) {$1500.00} autodraft for XX/XX/XXXX took place. Regions took that extra {$1500.00} and held it for two weeks and applied it to my next scheduled payment. Client would later serendipitously learn that Regions did not even apply the {$3000.00} to principal until after these two weeks. XX/XX/XXXX : notified customer service of the issue and requested rectification. Ensuing weeks : often received no response and had to send follow-up reminders to solicit a response ; most of the replies did not address concerns at all and were dismissive. Initially asked if customer wanted a refund via wire transfer and customer chose wire. But only later warned warned customer that this option would make the customer delinquent. Customer service continued to insinuate the notion that the customer was somehow responsible for giving that extra payment, which has been vehemently disputed. Regions online system and instructions were misleading, and one of their agents ( XXXX ) admitted as much. XX/XX/XXXX : Customer asked if they were eligible for an escrow refund/reduction, to this day, still have not received a response. Current escrow balance is {$10000.00} and Regions takes $ XXXX/month to escrow. Customer closed on this home in late XX/XX/XXXX. XX/XX/XXXX : Despite customer service claiming the whole time that " everything was correct, '' a supervisor eventually tacitly admitted that a separate mistake was also made. Client made a {$3000.00} principal-only payment on XX/XX/XXXX. Apparently, the extra {$1500.00} Regions debited without client 's authorization was held in limbo for 17 days. That {$3000.00} was ALSO held and not applied to the principal at all until AFTER this extra XXXX unauthorized ) debit. The supervisor fixed this mistake ( which ironically wasn't even the concern the client had been inquiring about ). This resulted in a reduction of interest by {$3.00} .... This whole experience has been a mess and the Regions Customer Service team has been a nightmare to work with. Clarity and Transparency pledges are advertised on their website. This was one of the reasons we chose Regions to help buy our first home a few months ago. Unfortunately they have been anything but, and continue to gaslight us.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A