Date Received: 2020-11-18
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have business and personal accounts with Regions Bank. I did call several times to inform them that I could not access my business account online and not sure why because my online profile clearly shows personal and business accounts but online my personal account opens. I asked them why my business account is active yet I couldn't access it online. Moreover, I tried to withdraw money from my external trading account into my personal account but could not do it because they said : '' Regions Bank is blocking you from enabling external applications '' All these make it challenging to manage my account and do business with this bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61820
Submitted Via: Web
Date Sent: 2020-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Our parents had two accounts in a Regions Bank brand in XXXX ( at XXXX XXXX XXXX XXXX ) with an aproximate balance of XXXX dollars, They died at the beginning of XXXX, my brothers and I sent the documents required for the bank as the universal heritage document issued by a court of our country, XXXX, ( translated in english and XXXX ) and other documents as our parents passports and XXXX Id. The bank sent us an email telling that all the documents were ok and they were ready to issue the checks with the amount of the two accounts ( savings and money market account ) to us ( the universal heritages ). Just few days later they sent another email were they explained that the money of those accounts were withdrawed by a phone transfer to an account in the XXXX XXXX XXXX. So they told us that as we don't appear as beneficiary in one of the accounts we needed a letter of administration to one of us to claim the return of that money ilegally withdrawed. In the money market account only signed my father and my mother was the beneficiary. In the checking account signed both of our parents and we are the beneficiarys. The universal heritage document issued in XXXX made first the heritage procedure to my mother and then to us. The bank refuses to gives us the easiest way to recover the money that legally belong to us. The case has been managed by XXXX XXXX ( XXXX relationship Sr. consultant, phne number : ( XXXX ) XXXX and XXXX XXXX ( Vice president of Consumer Banking, XXXX South Region )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-12
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: This is regarding my XXXX XXXX XXXX XXXX account. I have tried multiple times via telephone and email to request account closure and return of deposit unsuccesfully. On XX/XX/XXXX, XX/XX/XXXX and XXXX I called requesting that my account be closed. The representative informed me that he needed to transfer me to another department. After being on hold for over 10. minutes ( all three times ), I was told that " nobody was available at that particular time, if I would like a call-back ''. I never received a call back in all instances. I was them provided a survey to which I completed based on my experience and the situation. On XX/XX/XXXX I was contacted by " XXXX '' via email from " Executive Response '' who wanted to follow-up on my survey. Also on XX/XX/XXXX I replied back and explained the situtation in detail along with making my request again. I never received a reply back. This is in regards to account # XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07307
Submitted Via: Web
Date Sent: 2020-11-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-12
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: THIS IS NOT A DUPLICATE COMPLAINT. I am submitting information to prove I met the terms of opening an account with a promotion. I received a response letter stating that I did not keep an average balance of XXXX . However, you calculated that average from account opening, even though the terms state I had 10 days to deposit the amount and FROM THAT DAY, maintain a XXXX balance. I am attaching my savings account statements that show starting on the day of the XXXX deposit, that money was left in the account for the correct amount of time. Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30004
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: 30 day Late Payment for XX/XX/2020. Regions Financial Corporation / Car Loan Due to Covid. During the beginning of the pandemic I was working seven days a week & all hours of the day due to being an essential worker. I have called twice and sent two letters ( one to the EVP of Customer Relations and one to the Credit Monitoring Dept ) explaining the reason for my late payment. All four times I am told that this is correct and they will not do a " goodwill removal ''. This is the only late payment that I have had in almost three years. My account is current.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2020-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-09
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: We were constantly trying to find out what the problem with our loan. Why it was taking so long and we could not get updates. I spoke with the loan officer and notified her our lock was about to expire. She said they would take care of that. We were wanting to buy a point. I finally ask for her boss, who was rude to me! We were told we were going to close in XXXX. That didnt happen. We were then notified we would have to get another appraisal but they would pay for it. I notified customer service and got XXXX XXXX who said she would look into this. Well we show up for closing and no pkg. The closing agent let me see Closing Statement. We closed on XX/XX/02 and I just got to pick up the closing statement no closing papers.. we could have them on Friday. Today is Monday the XXXX and I just now got the closing statement and check for {$1400.00}. We were lied to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37343
Submitted Via: Web
Date Sent: 2020-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-06
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/2020 I balanced my check book with my bank statement at Regions Bank. I subtracted multiple automatic drafts from the balance all due to be withdrawn on the first of the month. I then paid several bills and had a {$97.00} balance. On the XXXX of the month an unexpected draft was pulled as the annual renewal for my web page. It was {$96.00} and I was naturally concerned but according to transaction register had {$1.00} remaining. However, I checked my mobile account and noted a {$14.00} negative balance. I called the Regions national number and spoke with an associate named XXXX asking if NSF OD fee could be avoided by deposit to cover that amount since my payroll check would be in XX/XX/2020. She assured me there would be no overdraft fee. However, XX/XX/2020 I found a {$36.00} nonsufficient funds charge. I pulled up account activity report and it appeared that the {$14.00} overdraft resulted from the overdraft fee itself. I called the main number for Regions national and waited 32 minutes without speaking to anyone. I then called local bank and spoke with an associate and the manager, who said that the report just " looked funny '' and that they wished it looked different but the overdraft fee would stand. I then rebalanced the XXXX statement and rechecked my XXXX math twice and could find no reason for the overdraft. I then called the national Regions number again and was advised that the overdraft was charged because of " pending '' drafts on my account and that Regions was not at fault in any way but that XXXX ( an XX/XX/2020 charge ) and XXXX ( routine monthly transactions coming sometime at the first of each month were at fault because they had not " finalized '' these pending transactions. It appears to me that Regions may be " batching '' charges in such a way as to precipitate an apparent overdraft situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 720XX
Submitted Via: Web
Date Sent: 2020-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Every deposit I've made has been held for " we have confidential information that this deposit wont be paid, and an 11 day hold will be placed on it. After going to the branch 3X in 1 day, I was told that the branch level had put no hold on it. Sure enough, the check was held. I called the 800 # and was told, it is the branch manager who did it. I went back, to have them help me, at which time the Manager verbally accosted me, never introducing himself, and after asking him to stop, and advising him I was there to see XXXX, he said, " oh well, I could have taken the hold off, but I'm not now! '' Using his access to my money as a vehicle for his retribution. I'm a new business owner, and Regions bank, XXXX GA has held me hostage, and will force me to close, while they punish me for being stupid enough to trust them. I called back the 800 number, and was told again that it was the branch manager 's decision. I will be writing an email, to XXXX XXXX, RVP XXXX XXXX USA, and his fellow C Suite , and copying all of the nasty people I've met at Regions Bank including XXXX XXXX, XXXX XXXX, and their manager tonight ( Friday ) and hope they enjoy this weekend, and their successful torture of me, and attempting to defraud me, for their own managers personal vendetta. This manager is a XXXXt XXXX, and I feel did this as a form of discrimination against me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2020-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-30
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Payoff amounts were incorrect on Closing Documents multiple times. Also addressed with the lending officer that lender fees, and other payoff amounts were incorrect. Process was drawn out from XXXX XXXX due to mishandling of secure documents, and incompetency of lending institution. Please contact for further details..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28078
Submitted Via: Web
Date Sent: 2020-10-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-29
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Back in XX/XX/2020 I received a phone call from regions bank. They asked me to come in and verify my identity. I explain to them that I wont be able to verify my identity until I get my drivers license which was a month away. Fast forward to XX/XX/2020 I went inside the branch located in XXXX XXXX. The financial banker XXXX XXXX told me they just needed to verify identity. Keep in mind that I have an existing account with Regions Bank already. The banker told me that everything was gon na be fine and that my account was it going to be on hold. A few hours later they froze my account saying that they needed to investigate it. Because I have two accounts which I am allowed to have two accounts. They are saying that one account had the wrong social on it. Keep in mind that I have two businesses and 2 I EIN numbers along with my social so I mustve been one number off. Regardless of that Regions still open the account so that wasnt my fault. The banker try to associate me with criminal intentions by making statements like the FBI was going to get involved and things like that. It didnt make any sense to me because I came in there and provided a lease and drivers license regardless of one number being off I still am the person that opened the account. I believe that I was discriminated against because as soon as I came in and they saw someone other than thats when they froze my account. I will be filing discrimination charges against this bank. The bank itself told me that they were going to have my account on hold for months while they investigate they caused me to miss an important XXXX date that I had because I dont have access to my funds
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75038
Submitted Via: Web
Date Sent: 2020-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A