Date Received: 2020-08-18
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I tried to close my accounts in XX/XX/2020. Bank failed to close one account and deducted {$18.00} per month in fees. Over the past seven months I have tried at lest ten times to close the account, both in person and via telephone, without success. A can not obtain my balance from this account nor can I get them to close the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34119
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-15
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Hello- On two different occasions Regions bank claims they never received our payment. When it happened the first time, we simply went to a branch. Today, because its convienent for them, their branches are closed. When we called on the Regions greenline phone, we were told our " credit card/credit line could only be handled by a branch loan officer ''. We are making this formal complaint because Regions does not allow us to email them. Regions does not have phone staff in place to assist us with our issue. Regions branches are closed to anyone who is not a current account holder. Our current bank paid Regions on XX/XX/20 {$1000.00}. Regions didn't cash our check until XX/XX/20. To this day, Regions has NEVER credited our account for the payment.Regions has also illegally attached a late fee of {$49.00}, and still shows us as late!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-13
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XX/XX/2020 I was refused my money from the by XXXX XXXX ( financial relationship specialist ) that said, thats to much for me to ok. Let me get my manager. XXXX XXXX XXXX ( Branch manager ) told me, I got your {$10000.00} but your going to have to prove that your XXXX XXXX. Note, that I had already taken out {$5000.00} a week earlier. I had to leave & go get my paperwork to prove that I XXXX XXXX XXXX which I did. They didnt need to check this earlier! Ive been with Regions Bank ( XXXX XXXX XXXX XXXX. XXXX, Texas XXXX ) for years, taking out loans that I paid off for the big rig that I XXXX. I believe I was XXXX profiled or they didnt follow their own protection policies because Regions didnt check all of this the first time! I feel I was being called a lie or cheat for no reason. Branch manager said, we have lost a lot of money on these loans. I was put in increased risk for COVID-19 for the extra touching of items to prove something that didnt need proving. I didnt get to my business after being treated unfairly & disrespected for no reason than I didnt look the part. I file a complaint with Regions Bank. I talked to XXXX & XXXX on the complaint line they took my complaint but said, I cant let you know the outcome but you have my empathy!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75212
Submitted Via: Web
Date Sent: 2020-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have a loan with XXXX, REGIONSBANK, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, REGIONSBANK, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2020-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My account and card blocked on XX/XX/XXXX without justifiable reasoning. I was not notified or informed this. Upon calling customer service on XX/XX/XXXX, I spoke with XXXX, and she stated I needed to provide a utility bill or lease document. At the point, I explained prior to XX/XX/XXXX before I moved, I went into the XXXX location presented my ID, changed my address, and ordered checks. At that time, no one stated something was wrong. Two months later, my account was blocked. I called the branch in XXXX where I opened the account, and XXXX XXXX told me that I would not have access to my account unless I presented those documents. He further stated a letter was mailed on XX/XX/XXXX, and I had 60 days to show proof. I came to the bank today XX/XX/XXXX, within my 60 days, and he tried to use that as an excuse, but it held no validity because I was within my 60 days. He told me to my face they were closing my account today. As of XX/XX/XXXX, my account still has not been closed. I explained that I lived with someone, and I did not have a lease or utility bill in my name. He then went on to say this was company policy that no customer could have a UPS address, but he was not able to show me this in the company policy. I also explained can you show me in writing that Regions Bank has the authority to not release any of my funds. Upon arriving at the bank in the drive through, Mr. XXXX refused to provide any company policy that states customer can not have a UPS as a valid address nor was he able to explain how the bank could hold my money without even allowing me to take what I need. XXXX XXXX also upheld these actions, and I demand that each of you be held accountable. I am appalled as an XXXX American educated woman, at the unethical and illegal practices of this bank. I have been denied access to my money for almost a week, and I was not allowed any access on Monday, XX/XX/XXXX when I presented my drivers license verifying my identify. Mr. XXXX refused me access to my account without any justifiable reason. I will seek legal action because no bank has the power to deny any customer access to their funds especially with a valid ID. This is unfair and unjust. I have been a customer for over four years, and I can not believe this outlandish actions. I did record the conversation for my records. Please help. XXXX : Regions Bank XXXX XXXX XXXX XXXX, GA XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30519
Submitted Via: Web
Date Sent: 2020-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-11
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I attempted to transfer money from my Regions account to my XXXX account using XXXX on XX/XX/XXXX, under the impression that the funds would be available same day. After submitting the transfer, I was informed by Regions ' mobile app that the funds would not be available until next day ( XX/XX/XXXX ). After reading Regions Account Agreement, the only exception for the funds not being available same-day ( other than for suspicious activity ) is if the Receiver has not enrolled in XXXX. The receiving account XXXX XXXX XXXX has been enrolled in XXXX for a while, and funds have been transferred to and from this account previously. I called Regions at XXXX and spoke with XXXX who explained that Regions does not dictate the processing times for XXXX transfers, but XXXX does. Is this true? I am wanting to know the reason as to why the funds are not being sent, to be available, immediately ; as Regions is holding the funds. This has caused a huge inconvenience and if I would have known the processing time ; I would have found another means to transfer the money. The notification of when the funds will be available should be displayed before the transfer is initiated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77063
Submitted Via: Web
Date Sent: 2020-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My complaint is about Regions Bank. I had been a customer of Regions for over a decade when I inquired about a home mortgage loan in XXXX. The loan officer explained to me that because of my outstanding student loan debt, I would not qualify for a mortgage but could have an installment loan from Regions. She said once I showed a year of faithful payments on that loan, my credit score would be high enough to qualify for a home loan. But that is not what happened - the hard inquiry lowered my score, I did use the funds to pay down other loans but then had an unreasonably high monthly amount that I was unable to meet due to XXXX XXXXXXXX and related expenses. On XX/XX/XXXX, I called my loan officer to see if we could lower the monthly payments from {$350.00} to {$270.00} for three months. She said she would check and get back to me, but at no point explained that Regions would conduct a hard inquiry on my credit score, which lowered my score even more. Regions denied me for a lower monthly payment even short-term, and therefore I had no choice but to file bankruptcy in XXXX, XXXX. Now my bankruptcy is over a year old, but the hard inquiry placed by Regions without my knowledge or consent remains on my credit report and I remain a renter with disposable income that I would like to spend on a mortgage. I assert that Regions Bank operates in poor faith and engages in predatory lending practices. I would like that hard inquiry removed from my account and some type of oversight and enforcement over the bank so this does not happen to anyone else.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63701
Submitted Via: Web
Date Sent: 2020-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-06
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: In XXXX I was offered a business line of credit and visa card thru a banker at Regions Bank in XXXX, FL. I used the account to help my business. In late XXXX my personal life took over my XXXX concerns when my wife was put into hospital. I had to take care of my XXXX small children. In XX/XX/XXXX my wife recovered and I turned back to my XXXX which was in trouble. I have spent the last years getting my XXXX back on track somewhat successfully until very recently. In XXXX I fell behind in payments on my line of credit and Visa card. My wife and I communicated with the bank and made smaller payments when we could. What we did not know was that the banker who had given us the loan had moved to another bank and we had no account manager. As things deteriorated, we tried talking to many people at Regions and no one really helped us. We wanted to turn the credit accounts into a long term fixed rate loan. We were not getting anywhere and we got calls from Regions reps asking for payment ( we found out later that they were collections agents who work directly for Regions but would never identify themselves as such. We thought we were still working with the bank. We continued to make payments on the line of credit and Visa card up until XX/XX/XXXX. We then found out that the loan had been charged off in XX/XX/XXXX. We have not been able to make any progress to get the accounts back in good standing. We are not sophisticated financiers. We have found out that the line of credit is listed as an " automobile loan ''. In early XXXX, I had a representative on the phone and as usual was asking about the state of the account and had it been turned into a long term loan. She said that it had and when I asked what the rate was she said : zero. She also gave us an opportunity to pay {$77000.00} to pay off the account or make monthly payments of {$980.00}. I told her that we were not able to pay the {$77000.00} but were willing to pay the {$980.00} per month. After the call, I was a little confused since she was with the mortgage loan dept. My wife had called the number back and got another rep. who told her that if we did not get current, the bank would " take our home ''. At this point our business is back on track and trying to expand and we are unable to move forward since we cant make any progress with Regions. I still have no account rep. I cant get an answer as to where the money I paid went to. It cant pay down a charge off. Our family owner company is struggling to survive and we need some resolution and a path forward to resolve the past with Regions and we keep getting bumped into the mortgage foreclosure dept. This is all a result of our account manager moving on and Regions not assigning us a new account manager. Instead we got swept up into a huge online system and have experienced tremendous hardship as a result.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32080
Submitted Via: Web
Date Sent: 2020-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-03
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Starting on XXXX there were several fraudlent transactions on my regions debt card the whole scam cost almost XXXX being owed to the bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-03
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XXXX, a charge of {$10000.00} was made on my Regions credit card from the company XXXX XXXX. I never signed any receipt for this charge, and i never received any products or services from this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2020-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A