Date Received: 2020-12-01
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: For several months Regions Bank has charged me fees for paying overdrafts on charges they rejected and charged an NSF fee on. Each fee is {$36.00}, so I'm being hit with a {$72.00} fee for everything they return. It's costing me hundreds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 370XX
Submitted Via: Web
Date Sent: 2020-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-01
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for a Home equity loan with Regions bank. I provided sufficient income, employment history and credit docs required 2 months ago. I also included a letter explaining my decrease in income for XXXX. I got no communication from the loan officer other than initiated by myself. After waiting for status update, I was informed verbally only that my application had been declined for excessive debt to income. My annual income for XXXX is over {$90000.00}, my debt is less than {$1300.00}. Per month, credit score requirements were met. My debt to income is well below the XXXX XXXX XXXX XXXX threshold. The underwriter, never conditioned for more income documentation or an. The explanation the underwriter calculated a 90 day year to date pay stub over a 12 month period, i had recently changed jobs and was stated in my application. The ban underwriter never completed a verification of employment from my prior employer for the remainder year to date income amount. My debt to income is less than 6 %, guideline max debt to income is 41 %, no reason for decline. Now thy want me to reapply, pull another credit report that will affect my credit scores and yet the original credit report is valid for 120 days from application date. This is wrong. I was denied credit based in their lack of due diligence and following income calculation protocol and not giving me the consumer the opportunity to have them realize their error. I meet all guidelines for an approval for the application. I am being denied erroneously. I have tried for the past month to speak with someone in management and yes, they admitted the error was on their part in writing but still failed to correct the problem with out affecting my credit and also being out of compliance for adverse action notification to the consumer.. Please advise.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34689
Submitted Via: Web
Date Sent: 2020-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I received an insurance reimbursement claim check in the amount of {$48000.00} from XXXX XXXX for Hurricane Irma damage. Summary of Loss Roof {$51000.00} and {$2800.00}. interior repairs less deductible of {$5800.00}. The check is made payable to myself, the adjuster, and Regions Bank. The adjuster and I went to Regions Bank at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX on XXXX/XXXX/2020. We have them the claim report and attorney loss settlement communication including the insurance company breakdown of the reimbursement, the roof replacement contract including paid summary and release of lien. The rep that addressed our need XXXX XXXX indicated that an inspector would call in a few days and that once the inspector came to the home, I could return to have the check endorsed. On XX/XX/2020 I emailed XXXX XXXX to follow-up and never received a response. I then sent a message to Regions via my online banking and received a response to call the branch. I never received a call back from XXXX XXXX. I called Regions XXXX to follow-up and on XX/XX/2020 I emailed Customer Service at XXXX the settlement letter explaining that it was the only documentation provided by XXXX XXXX. I also sent them all of the receipts of the repairs that were done. I called XX/XX/2020 and Regions said they would review. I called XX/XX/2020 and again XX/XX/2020 when XXXX said I would hear back from an inspector within three days. I called again Tuesday XX/XX/2020 when XXXX referred me to a supervisor who called back and again said they needed the detailed settlement. He apologized that Regions was using a new system and they were having computer issues with system failures. After a long talk, finally they he said that an inspector will call within three days. Since I have provided proof of payment for a roof replacement and that is the bulk of the reimbursement and only {$2800.00} is for the interior work, I sent pictures of the interior work to Regions. This morning I called Regions again and they said that because of the holiday it may take more than 3 days for an inspector to call to schedule the appointment. I believe that it should not take a month for Regions to contact me for an inspection. They have proof of payment, invoices from the contractors, and claim settlement from XXXX XXXX. My HELOC account is current and I have not been late since inception. Payments are deducted from my Regions checking account. All payments to the roofing company and contractors have been through my Regions bank account. My HELOC with Region Bank ( XXXX Florida ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33155
Submitted Via: Web
Date Sent: 2020-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a home equity line with Regions bank. I requested to payoff the loan in one lump sum payment and I was given the payoff amount good till XX/XX/2020 but I paid off the loan 5 days early on XX/XX/2020 so I made an overpayment for the interest of those 5 days. I then received a statement from regions bank and on that statement there was a charge of XXXX dollars inactivity fee plus they owe me the overpayment of the interest for -sting the loan 5 days early. I called the bank and asked for a manager who was extremely rude and kept arguing with me and her name is XXXX. Regions bank overcharged me interest and fees for no reason. I paid off the loan but they still charged me XXXX dollars inactivity fee and they did not refund me the XXXX dollars overpayment that I paid them .so Regions Mortgage bank owes me XXXX XXXX dollars of overpayment and fraudulent fees which they called inactivity fees which is ridiculous. I was paying on the account and there is NO inactivity fees to be charged to my loan. I want Regions Bank to refund me XXXX dollars that I overpaid them and to release the lien on my house since I paid off the whole balance and plus an overpayment of XXXX dollars which they should refund it to me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35226
Submitted Via: Web
Date Sent: 2020-11-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-28
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I the consumer/ natural person and original creditor. Pursuant 15 USC 1602 ( p ) that there has been unauthorized use of my credit card by REGIONS BANK without me benefiting from this consumer credit transaction. My benefits were taken by misleading and deceptive forms 15 USC 1692j ( a ) requesting payments. This herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce, so be it. If called upon to testify as a witness I the consumer and original creditor shall so state herein. This consumer credit transaction was unjust and I had not equity in it. Affidavit of truth and exhibits attached. Please note that an affidavit of truth not rebutted stand as truth in commerce.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33604
Submitted Via: Web
Date Sent: 2020-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-25
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: XX/XX/XXXX XX/XX/XXXX I was charged a overdraft twice for the same transaction ( XXXX XXXX )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2020-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-23
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2020 at XXXX XXXX., Regions Bank closed our nonprofit 's organization checking account with very little and vague notification. Once I received the email, I immediately had to reach out to them to find out what happened, and when I was on the phone with the person helping me, he did not try to help us save the account or felt any kind of XXXX towards us to aid us in any way. We only received one email of notification from Regions Bank regarding this issue, and it was back in XXXX. There was a large amount of money in the account at the time. I called the national Regions number to complain and see what I could do about this. The person on the phone then was very polite and apologized for the inconvenience and frustration that we are currently enduring with this situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38701
Submitted Via: Web
Date Sent: 2020-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have suspected XX/XX/XXXX, and Regions Mortgage, of embezzeling through escrow and false term life insurance policys ( forgery and false documents ) and trying to charge me every month, for falsely charging for property inspections.That I know for fact.Were NOT CONDUCTED. And have been doing so scince The day I moved in. In XXXX of XXXX. I have requested over three different occasions from XXXX through XXXX to file for a family hardship and only got response of threats from both XXXX and regions together in the form of harassing phone calls and in certified mail. There are a lot of other four instances that need mentioned as far as unlawful business practices that they have committed upon me throughout 12 to 13 years. I feel like I am losing my mind it is emotionally stressing me out thinking that I might have to keep dialing down to this scrutiny for another 12 years and having to work three different jobs only to witness them stealing my money and the amount of the house not going down that I owe. I do not understand how they can charge me extra fees and everything even if there is nothing being stated in the interest column because we do not pay interest on our XXXX homes. They put it in different formation and I will never ever be out from underneath the deal with the XXXX I have made with XXXX. There for this year round XX/XX/XXXX I gave permission for first home resources to do an audit on regions they said that they had submitted things to the Consumer Protection Bureau however when I call the Consumer Protection Agency of my state they can not find anything under my name or my residency. I am completely glad that I did not pay the {$2100.00} to first home resource because I'm not for certain that they even did file the information of embezzlement the proof that I needed. I did not have the {$2100.00}. Not to mention the amounts that XXXX has brought before me and the amount on the statements for Regions do not concur with each other or one another. I just want to be out from underneath this Albatross I feel as I'm going mad I already have a XX/XX/XXXXcondition and I have documentation proving of this XXXX. It is completely throwing me over the edge physically and definitely mentally. What I thought was going to be an asset to my benefactors if something should happen to me has only ruined my life. Please I need help please I was trying to get help through first-time resource but I can't afford them ... I have requested over three different occasions from XXXX through XXXX to file for a family hardship and only got response of threats from both XXXX and regions together in the form of harassing phone calls and in certified mail. there are a lot of other for instances that need mentioned as far as unlawful business practices that they have committed upon me throughout 12 to 13 years. I feel like I am losing my mind it is emotionally stressing me out thinking that I might have to keep bowing down to this scrutiny after another 12 years and having to work three different jobs don't lie to witness them stealing my money and the amount of the house not going down that I owe. I do not understand how they can charge me extra fees and everything even if there is nothing being stated in the interest column because we who live in XXXX houses do not pay interest that is one of the perks. But not if they're embezzling through everything that they can on the side. And when I contacted XXXX and ask them about this they replied and I quote how can you complain when you pay less than anyone you can even pay that anywhere else a month that's their explanation they never look into it either. I need help getting out from underneath of this I looked up how I need to proceed I did read the white paper the United States government I do know where Consumer Protection Agency originated and it originated because of real estate I need your help you guys please call me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2020-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I posted my XXXX XXXX on XXXX for XXXX and received an offer from a gentleman. The man states he lived in Florida and wants to use the XXXX as a XXXX for his hunting camp. He stated he would send me a certified check for the amount and after I cashed it and the monies cleared he would arrange a car carrier to pick the XXXX up. I told him that was fine and would be looking for it. I received the check via XXXX two days later for the agreed amount of. {$5600.00}. I was skeptical being the gentleman was from out of.town so once I received the check I called the bank on the front of the check to verify funds and all was good. I then did a mobile deposit for the check and went on with my day. There was an automatic 10 day hold which I totally understood and didn't complain. Three days later I noticed the deposit had been removed from my account all together. I called the bank and they stated I was being investigated for Deposit Account Fraud and were freezing my account. I was appalled and have called them daily all week to find out the status. There was no deposit account fraud and I never received any money from this check but yet they are holding my checking account hostage with close to XXXX in it and I am unable to purchase gas to even go to work. When I call i get the same answer. We don't know how long it will take. I even went and opened another account at another bank but can't fund it until they release my funds or I get paid next week. I have been banking with this facility for 10 years. I really need help and don't know who to turn to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2020-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-19
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have been banking at Regions Bank for years. Over the last several months from XXXX to the present date, XXXX 19,2020, Regions continues to charge me overdraft fees totaling almost {$700.00} during the months of XXXX and XXXX. Ive contacted them numerous times, but they only try and scold me about what I should do and theres nothing they can do about the fees. I dont receive any notice until weeks after they charge these fees and when I make a deposit before XXXX to cover the charges made, they dont post them until the day after which makes my account accumulate overdraft fees instead of posting the deposit that day before XXXX as their policy states. Many times, the overdraft fees incurred come by way of the monthly fees they charge me for the account. The fees theyve charged me are recurring for the same thing, and accumulate to more than what the actual overdraft amount is. I just need help to get the fees returned to me as well as close the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35216
Submitted Via: Web
Date Sent: 2020-11-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A