Date Received: 2020-05-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: At the time the Corona virus was starting to affect me in early XXXX all banks I work with extended relief and proactively offered to work to delay payments with no consequence. As a result I held onto cash until I could determine the degree I will be affected, and did not pay many accounts until late XXXX. For my line of credit with Regions Bank, this meant I delayed payment until XX/XX/XXXX ( 2 payments ) and XX/XX/XXXX totaling {$1400.00}. I used Regions own online system for these payments, and was surprised there is a 2 day delay in an internal transfer showing up even though its the same bank. On XX/XX/XXXX, Regions reported me as late even though the reason is Covid, and my credit score dropped significantly. Regions tells me I was required to proactively submit a request form but did not communicate this to me. Over the long term, Regions does not proactively notify me when a payment is coming up for my line of credit or credit card accounts, even though they own both. For all other accounts in online banking ( like XXXX XXXX XXXX ) I get notification. Regions ' approach is to use a phone call which gets marked " Spam '' to call me, and there is no message left. This has directly resulted in 4 total cases, with my credit score significantly affected as a result. I request the most recent case as well as the 3 prior late payments showing from Regions to be corrected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46074
Submitted Via: Web
Date Sent: 2020-05-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-30
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: On XX/XX/2020 I checked my balance and transactions. My available balance was approximately XXXX, I purchased a part at XXXX for {$100.00} at XXXX XXXX on XX/XX/2020. On XX/XX/2020 I checked my account and there was a charge from XXXX for {$6.00} that had been purchased on XX/XX/2020. The XXXX purchased was moved to XX/XX/XXXX and an over draft of XXXX was charged on XX/XX/XXXX. I contacted the bank and XXXX said he would bring it to his manager. Then on XX/XX/2020 Ichecked my account and there was another overdraft charged. I called the bank and spoke to XXXX ( who identified herself as branch manager ) she apologized for not returning my call in timely manner. I attempted to explain to her what was wrong and she said she could not refund the charges and I need to understand how bank accounts work. She tried to tell me that the XXXX charge caused an overdraft before the XXXX charge came in. At that time I had XXXX something in the account ( so no overdraft ) but I was charged one. The next day because they moved the purchase to the next day they charged me another XXXX overdraft. I can do math and there is absolutely no way there was 2 overdrafts!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34208
Submitted Via: Web
Date Sent: 2020-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-29
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: IN XX/XX/XXXX REGIONS OFFERED A {$5.00} CREDIT INTO MY CHECKING ACCOUNT IF I USED A PROMO OFFER WHERE I USE MY CHECK CASH/DEBIT CARD AT XXXX. I USED THE CARD AT XXXX DURING THE PROMO 2 DIFFERENT TIMES, SO ONE OF THOSE TIMES I WAS TO RECEIVE THE {$5.00} CREDIT BACK INTO MY CHECKING. I NEVER RECEIVED IT IN XXXX, XXXX OR XXXX. SO I CONTACTED THE REGIONS BANK SOLUTIONS CENTER ( TICKET NUMBER XXXX ). THE EMAIL I RECEIVED FROM THEM AFTER I FILED THE TICKET STATED THEY HAD RESOLVED THE ISSUE, BUT DID NOT EXPLAIN TO WHAT DEGREE IT WAS RESOLVED, SO I TALK WITH XXXX IN THAT DEPARTMENT AND SHE TOLD ME " THE MONEY WOULD BE DEPOSITED INTO MY ACCOUNT IN XXXX. IT NEVER WAS. SO I CALL TODAY AND THEY ARE PUTTING ME OFF AGAIN AND SAYING IT WILL BE XXXX. THIS HAS BEEN GOING ON LONG ENOUGH. IN XXXX. REGIONS TOOK DOWN THE {$5.00} XXXX OFFER SO I COULD NOT PROVIDE A SCREENSHOT OF IT. REGIONS SHOULD BE HELD ACCOUNTABLE FOR THESE KINDS OF BUSINESS PRACTICES. MAKING OFFERS TO CUSTOMERS AND THEN RETRACTING THEM OR NOT HOLDING TO THERE WORD. THEY SAID XXXX XXXX XXXX THE FUNDS WOULD BE IN THERE IN XX/XX/XXXX AND NOW THEY SAY XX/XX/XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-28
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I began the refinance process with XXXX XXXX at Regions Bank on XX/XX/XXXX. On that day I received a Loan Estimate that reflected an estimated property value of $ XXXX with a loan amount of $ XXXX. On XX/XX/XXXX, I received the appraisal back from Regions Bank which reflected the value of my home at {$320000.00}. I knew this was an issue so I immediately called XXXX to find out how we can move forward and to get a new loan estimate/disclosure. I was finally able to reach XXXX on XX/XX/XXXX and he acknowledged that there was a problem, but he would get back to me soon. After I did not hear anything from XXXX I followed up with an email to my Mortgage Processor, XXXX XXXX, on XX/XX/XXXX and asked if the information in the Regions Portal is correct in regards to the loan amount and PMI. ( The loan amount had been changed from $ XXXX to {$310000.00} and the PMI had also increased. ) After not hearing from XXXX or XXXX, I followed up with an email to my Mortgage Loan Coordinator, XXXX XXXX on XX/XX/XXXX asking her the same question that I asked XXXX and XXXX. Later that afternoon I received an email back from XXXX XXXX that stated XXXX would be contacting you. I proceeded to call XXXX that afternoon twice and I never received an answer. Since XXXX was not responding to me, I had my wife contact XXXX on XX/XX/XXXX. XXXX answered the call and said that the loan could not go through because of the appraisal and that there were no other options. My wife asked XXXX for a new disclosure and that it was possible that we may bring the money to closing. After not receiving any estimate or disclosure from XXXX, my wife reached out to XXXX again on XX/XX/XXXX and left a voicemail. XXXX later that afternoon sent an email with an updated estimated cost sheet. Note : The top of the estimated cost sheet says the following : Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan. I called XXXX after receiving his estimate and asked if it was official on what I owe and XXXX responded with no. XXXX suggested seeing if my realtor could find any comparable that we could send to the appraiser to see if he could get the value increased for our home. On XX/XX/XXXX I sent XXXX the comparable my realtor found that may boost the appraised value. On XX/XX/XXXX I received an email from XXXX that said the additional comp didnt help and would I like to proceed and bring the additional money needed to closing? I responded with I would need to know how much is needed at closing and what the actual amount of PMI would be each month. On XX/XX/XXXX I emailed XXXX, XXXX, and XXXX a new payoff for my home. Later that afternoon, I received an email from XXXX that stated, Hello XXXX, Thank you for sending the updated payoff. After running the numbers you will need approximately {$10000.00} to closing and your PMI will be roughly $ XXXX/month. If you do want to proceed I will need the 401k please. Please call me with any questions. ( I had mentioned to XXXX I MAY want to use my 401k for the difference in loan value. ) I responded to XXXX with an email that asked if he had anything to reflect that and why is my PMI so high? I am currently paying {$77.00}??? XXXX responded with, Im not sure about the PMI, that is what the quote came back at. I responded with the following : Again I believe until we get some concrete information on amount due at closing and what the PMI will be, a decision cant be made. For some reason, this process seems to be taking a long time. 401k has already been uploaded under the original request for documents. The down payment will come from our XXXX XXXX accounts. You have documentation on all four accounts and their balances with more than enough funds to cover the amount due. XXXX responded with the following : Please call me XXXX. Thanks. XXXX called at XXXX XXXX and stated the following from the few notes that I took : There is a RESPA issue with your loan and several compliance issues that I am attempting to get taken care of. You really dont want to come to closing with this much money due. It just doesnt make sense. XXXX stated that I received an incredible deal on my PMI with XXXX XXXX and it doesnt make sense to refinance and see that go up. XXXX said there is no way my PMI should be that low and that obviously XXXX XXXX has the ability to give really low PMI to their customers. Please let me know how you would like to proceed ASAP as I have to let my Compliance Department know. If you want to proceed I ( meaning XXXX ) will need proof that you have the funds for closing. I stated to XXXX that I would like to talk to XXXX, but without any type of disclosure reflecting what is due and knowing what the PMI will be, I am unable to make this decision. Right after the phone call with XXXX, I send an email to XXXX, XXXX, and XXXX saying the following : All-Please provide a Closing Disclosure ASAP. If this is not able to be provided, please let me know why. On XX/XX/XXXX, I called XXXX at XXXX XXXX. My first question for XXXX was that it appears overnight my loan was closed out, why did you close my loan? XXXX stated he had nothing to do with it and that was compliance. XXXX then asked if I wanted it reopened and I said yes. XXXX stated I cant believe you want to bring this much money to the table. I responded with until I get verification of the amount due at closing and what the PMI will be, I cant make this decision and I would like it to be reopened. XXXX stated he would speak with XXXX and get it reopened and he would provide me an update early afternoon. XXXX had me send an email at XXXX XXXX to XXXX, XXXX, and XXXX : XXXX-All XXXX XXXX XXXX statements for XXXX were uploaded last night for the money needed at closing. Please let me know what else is needed for this loan to close next week. From the phone conversation yesterday with XXXX and knowing our loan was closed out and we were not told, this really bothered me. This whole process has been nothing but a debacle and with the amount of pressure of XXXX putting on that I did not want to go through with this, my gut was telling me something was wrong and/or messed up by Regions Bank XXXX I reached out to a friend of mine in the upstate who is the Compliance Officer for a bank in the upstate. He advised that I send the following to XXXX, XXXX, and XXXX : XXXX, I am not sure I understand what the problems are that have caused my loan to have been force closed in your system by Compliance yesterday evening. On XX/XX/XXXX you sent me a Loan Estimate showing the good faith loan closing costs estimates. Following my appraisal, which I received a copy from you on XX/XX/XXXX, we didnt speak about any issues with the loan until XX/XX/XXXX. From when Regions Bank accepted the appraisal, I did not receive an updated Loan Estimate showing any change in circumstances. I thought that 12 CFR 1026.19 required an updated Loan Estimate within 3 days, or that Regulation B would require an adverse action notice that you were denying the loan. In regards to my loan, I have received neither and I feel that the loan needs to get back on track as you have legally disclosed it to me. I know that you sent me an updated loan cost estimate on XX/XX/XXXX, which does not purport to comply with applicable law or regulation and does not meet the TRID/Know Before You Owe rules for Loan Estimates. I need this loan to close as soon as possible, with lender credits to cure for any tolerance violations as required by TRID/Know Before You Owe regulation. I am prepared to push this as much as I need to protect my rights in this situation. I am not trying to get more than what I am entitled to under applicable law and regulation, but I dont want to be mislead because of an error at Regions Bank for which I am not responsible. Thank you, XXXX & XXXX XXXX This letter was emailed to XXXX, XXXX, XXXX and my wife XXXX at XXXX XXXX with a subject line of XXXX Letter of Intention. I received an email back from XXXX : I have reran your loan through the automated underwriting system and your file is back to Approve Eligible. I will need ( 2 ) two months of assets statements. Please send me the XXXX XXXX XXXX accounts. I responded with : See attached. This would have also been uploaded in the portal back on XX/XX/XXXX. XXXX responded with : Received XXXX. Thank you! After not receiving any updates I sent the following email at XXXX XXXX : Any idea on where we stand? Any update on the compliance issues? I received the following from XXXX : Your loan is back in processing. On XX/XX/XXXX, I spoke to XXXX to get an update at XXXX XXXX. XXXX stated nothing new. Multiple people are out due to the virus and tomorrow being XXXX XXXX he is not expecting to hear anything at all. XXXX will try to get back to me in the morning. As of XX/XX/XXXX, I have received ZERO updates since the last email and no update as promised from XXXX. The loan does appear back in my online portal. No new disclosures have been sent since the first initial disclosure back on XX/XX/XXXX. I still have not received an explanation on the PMI. The estimated loan closing is XX/XX/XXXX. On XX/XX/XXXX, after not hearing from XXXX, XXXX, or XXXX since XX/XX/XXXX, I sent an email to XXXX at XXXX XXXX : XXXX, 1 ) Any update? Tomorrow it will be a week since the loan went back in for processing. 2 ) Any update on the compliance issues and how that will be handled? Thanks, XXXX XXXX XXXX replied with the following : Loan was returned from the Compliance dept last week. It is in Processing status. Need mortgage insurance certificate back. Once loan is Approved to Close, XXXX will confirm close date with you. I replied to XXXX with the following : What was the end result with Compliance? Mortgage Insurance certificate attached along with a paid receipt for the Homeowners Insurance. Any idea on when potential closing will be? After not hearing anything on my last email, I sent the following email to XXXX, XXXX, and XXXX on XX/XX/XXXX : Any update on our refinance? I never received a response on the email below XXXX XXXX Since we have not heard anything and our closing has already gone past the XX/XX/XXXX projected date, I had my wife, XXXX, call XXXX on XX/XX/XXXX to find out what was going on. XXXX called and it went straight to voicemail. XXXX left him a voicemail to please call her back. XXXX immediately called XXXX back and stated he thinks he has everything that is needed, but they are very short staffed at the moment. XXXX stated he would check to see that the underwriter and processor has everything that they need. XXXX stated the goal is to close by the end of the month. XXXX asked for a disclosure statement again since we still have not received one. XXXX stated he would call back with an update and that right now it is taking two business days to get any response back from underwriting. The Initial Closing Disclosure was emailed by Regions that same afternoon at XXXX XXXX. We never received a phone call or any follow up from XXXX. I spoke to XXXX on the phone at XXXXXXXX XXXX after I had received the Initial Closing Disclosure. I asked XXXX why I am agreeing to the Initial Closing Disclosure when it does not match my Loan Estimate. The Initial Closing Disclosure has a section where it states what the Loan Estimate stated versus what the Initial Closing Disclosure states. XXXX became very agitated with me on the phone and stated he could try to find the disclosure but that I knew that it was going to be more due to my appraisal. I asked if he had a copy of it as this is something that I have not seen. XXXX stated that it is somewhere. I then asked XXXX if this was compliant or against Consumer Financial Protection Bureau XXXX. XXXX then accused me that I was going after him because my appraisal came in less than what was projected and that I simply wanted Regions to pay for the difference and that was not going to happen. XXXX then continued by yelling three times, Are you threatening me? I stated to XXXX that no, I am not threatening him, I am just trying to understand why I was never given a different loan estimate that reflected what was shown on the Initial Closing Disclosure and I am trying to figure out what is going on. XXXX made the suggestion that he requests that I withdraw the loan or that he would cancel the loan immediately. I stated I have no interest in the loan being cancelled as this is a great rate and would put my family in a better financial position. So far this loan is back on track with closing expected on XX/XX/XXXX. I still dont understand why a new loan estimate was never given to me by Regions Bank. Per XXXX, a different loan estimate exists from the one that I originally received, but for some reason I am not privy to the new loan estimate. The questions that I have on why my PMI is higher than what my previous loan have still not been answered. I have typed out a timeline of events that will take you from XX/XX/XXXX to XX/XX/XXXX in regards to the number of emails and conversations that I had with the representatives of Regions Bank. We first asked for a new estimate/disclosure on XX/XX/XXXX and it has taken until XX/XX/XXXX to receive anything from Regions Bank and that was in the form of an Initial Closing Disclosure. I went to closing on XX/XX/XXXX and spoke with our closing attorney, XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX about the issues that we were having with the loan. XXXX was extremely concerned about the way my wife and I were treated through the process and he suggested we proceed with the refinance at this time with the rate being so low. For the refinance to proceed and Regions Bank to fund the refinance, we made the decision to sign all documents saying that our loan estimate matches our closing statement even though we all knew this was false. My fear again was XXXX had already tried twice to cancel this loan and if we did not sign the document, my thought was that XXXX and Regions Bank would not fund our refinance. XXXX also suggested that once the loan is closed and funded, we should move forward with submitting a complaint with South Carolina Department of Consumer Affairs and Consumer Financial Protection Bureau.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29072
Submitted Via: Web
Date Sent: 2020-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-25
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: My complaint is concerning Regions bank. On XX/XX/XXXX, I used Regions ' online payment center to pay some of my regular bills. Included among these was a payment to a credit union where I have a credit card. I routinely make monthly payments this way. On Monday XX/XX/XXXX, knowing that I was planning to order a pizza, I checked the account via my online banking to see what was still pending and make sure I would not overdraw the account. Based on the pending transactions, I transferred money from my savings account before ordering to cover everything. On Monday evening, everything in the account was in good order. Wednesday ( XXXX XXXX ) afternoon, I checked the account to see if the payment to the credit union had gone through. This was when I discovered that the payment to the credit union had been returned and the account was overdrawn. I could not understand how the account had overdrawn, as all had been well Monday evening. There was a transaction from XXXX that posted Monday night but had not been in my pending on Monday evening. It took some time to track this down, as I had not made any very recent XXXX purchases and did not have any outstanding transactions with them. After speaking with XXXX, I determined that the charge was for an item I received a week earlier. Normally, XXXX charges on the date that they ship but their processing has been delayed by challenges around the Covid-19 outbreak. When the items I ordered arrived, I did not realize that I had not yet been charged for them. I called Regions on Wednesday to determine what fees I would be charged and what I should do from that point. The returned item fee and overdraft fee were explained to me. I asked whether they would attempt to process the payment a second time, so that I could make sure to have funds in the account to cover it ( a challenge, given that I was not going to be paid until the end of the week, but I did not want to encounter more fees so I would have scraped the money together ). I was told that the item would not be attempted a second time. I contacted the other financial institution, alerted them that the item was being returned, asked about the fee I would encounter from them, and made sure that they would still be willing to accept a check from me in the future. I planned to issue a new payment to them on Friday after being paid again, since I could not now pay the full amount after paying Regions ' fees. On Friday XX/XX/XXXX, I went to check my accounts and pay bills online with our most recent paycheck. At this time, I discovered that the item had been presented for payment again. I was upset because Regions had advised me that it would not be presented a second time. This had overdrawn the account again. I called Regions again. During this conversation, the associate told me that it was not up to Regions to determine whether the payment would be presented a second time. She explained that the other financial institution made that decision and they had no control over if/when a third party would present the item for payment. The item was presented on XX/XX/XXXX and during this phone conversation on XX/XX/XXXX, it had not been returned. I asked the associate whether it would be returned ( and even asked whether or not that was even possible for her to determine, since I was not sure whether it was possible to know ahead of time ). She assured me that the payment has gone through this time and would not be returned. I asked about fees that might arise from this second attempt to cash the payment. She stated I would not have a returned item fee ( because it had gone through ) but that I would have an overdraft fee because it would overdraw the account. I advised that I was transferring money to prevent this and she explained that because the payment had been presented the day before, it was too late to avoid the fee. She advised me to take that into account when transferring money to the account and make sure I moved enough. She refunded a portion of the earlier overdraft fee, I think as a gesture of good will, and assured me that I could consider the matter settled once I transferred the funds to cover the item and the fee. This I did immediately after ending the conversation. I also transferred additional funds, just in case, as I was not entirely confident that everything was really handled at this point. Saturday ( XX/XX/XXXX ), I checked the account again and the item has in fact been returned a second time. Despite there being ample funds to cover it in the account on XX/XX/XXXX. I called customer service for the third time now. I was told during this conversation that Regions always attempts online payments twice. I asked why the associate I spoke with on XX/XX/XXXX did not warn me of this, since I had specifically asked whether it would be attempted again. The associate could not explain this and simply apologized for the misinformation. I asked why the associate I spoke with on XX/XX/XXXX had assured me that the payment had gone through when it was in fact being returned. Again, the associate had no explanation. I asked what fees I would be assessed this time. She advised I would again have a returned item fee and an overdraft fee. I asked why the payment did not go through, even with money in the account. She stated that the payment processed on the XXXX, so funds transferred on the XXXX would not make a difference. I asked why the associate I spoke with on XX/XX/XXXX did not explain this and she could not offer any explanation. I asked why the associate I spoke with on XX/XX/XXXX had told me that the other financial institution, the payee, was the party responsible for deciding to present the item a second time, since now I was being told that Regions attempts online payments twice, as a matter of their own policy. She could not explain this. I asked this associate what I should do at this point, whether I should attempt to make a new payment or wait even longer to see whether Regions will attempt this payment again ( by now, my credit card payment to the other institution is woefully past due ). She assures me it will not be attempted again at this point but I honestly do not have much confidence in this assurance. I asked whether anything can be done about the fees and she advised to call back on Tuesday and ask again because they can not refund a fee that has not yet been charged, nor stop a fee that they can see is pending. This entire incident will end up costing me at least {$140.00} in fees between the two institutions, all over a {$150.00} payment. Three lengthy phone calls into it, I still will need to call yet again on Tuesday. I am in a bad position with my credit union now and may face an adverse report on my credit score now. The initial overdraft and returned item are, of course, not the fault of Regions - just bad luck and oversight of a slow-to-process purchase on my part. Though I do not understand why the XXXX purchase was not visible in my pending on Monday evening ( XXXX XXXX ) - pretty difficult for customers to manage their accounts when pending transactions are incomplete or incorrect. But in any case, this second round of fees would have been entirely avoidable had I been able to get accurate information from telephone banking at any time during this process. It is extremely disappointing that bank employees can not give accurate information on banking processes and procedures to a customer. The associates I have spoken with have been polite but the information they have given me has proven to be inaccurate and incomplete at every turn, costing me real money and time. This is unacceptable. I intend to move our accounts to another institution at this point, if I can ever settle this and finally get the credit union paid. But I don't believe Regions should be doing business this way.
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: 2020-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: It is really sad that in times of Crisis due to the COVID19, Strangers help each other, Corporations provide assistance, but I work on a " FULL COVED19 UNIT '' @ a Hospital in FL, ON THE XX/XX/2020 my Card was Lost/stolen, someone took {$440.00} from my Checking, and REGIONS send me a letter saying they investigated and they are not giving me a cent of my loss Money. I put my Life at risk every time I go to Work because I need to pay my Bills, a Bank is suppose to Protect your money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33065
Submitted Via: Web
Date Sent: 2020-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter in the mail today, XX/XX/2020 from XXXX XXXX XXXX XXXX stating that " the records of Regions Bank show that your account has a past due balance of {$5500.00}. Creditor : Regions Bank Client Account # : XXXX XXXX Account # : XXXX Reduced Balance Amount : {$2700.00} Total Balance : {$5500.00} XXXX Phone : XXXX The letter was sent to my name and address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I have never heard of Regions Bank. I don't have an account there and never have done any sort of business with them. I have an outstanding credit record. I have been a victim of credit fraud twice before. The CFPB kindly helped me clear my name and restore my credit record. I can't believe it is happening again! Please help! Thank you in advance for your help. I look forward to your response, Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-23
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: in a time when americans are dying, suffering and lost jobs and income, why ARE some banks forcing us to call each week or month to ask for waiver of fees? JUST WAIVE THE XXXX FEES!!! REGIONS is a bad bank with no empathy. Although it has waived last. month ; s maintenance fees it requires ME and ALL OF US to call back to ask for or BEG for the wavier when it can auto waive it due to COVID! it is shameful and regions should be closed down
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: 2020-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-22
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I opened a checking account with regions when I was around XXXX years old and used it very rarely living out of state. When moving back to the state in XXXX, I used this account with more frequency until switching to another bank because of the handling of deposits, withdrawals, and fees. The checking account remained open but was rarely used for the next few years. I was never charged a low balance fee or limited use fee during any of these times. I then opened a heloc with Regions in XXXX and started using the account to make these payments. When I paid off the heloc in XXXX, I started receiving an {$18.00} charge every month. I have called several times over the past 2-3 years and have never been given a solution. The rep would usually tell me that the fee didn't make sense, that they weren't sure why it was charged, or that I would need to figure out why it had changed and discuss the issue with whichever branch caused the issue. Apparently, as I was told by a representative a few months ago, at some point while I had the heloc, my account was " converted '' to another product that would help me by gaining interest on my checking account t balance. When the heloc was closed, which was preventing this fee from being assessed, the fees started accumulating every month. I was finally told today that they would put in a request to change the account back to the original product, which would eliminate the fee, but I was only eligible for one fee reversal. I feel that this is an unacceptable deceptive practice because I was charged {$18.00} per month for the last few years with no explanation, no apology, and no restitution. The account was converted without my knowledge and, until today, I couldn't even get them to change it back to save future fees. I have struggled for years to even understand why this was done or how to change the account to save the fees. I would have completely closed the account and severed the relationship but have kept it open because I have a recurring transfer to my parents ' regions account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2020-04-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2020 I purchased a washer and dryer for a total of {$770.00}. The items were delivered and neither one of the items worked. I contacted the retailer multiple times and got no satisfaction. As a matter of fact the retailer told me they didnt give a XXXX. I contacted my bank REGIONS to dispute the transaction. Note I cant just pick up a washer and dryer put them on my back and carry them back to the store. However both products are defective and the retailer will not respond to my phone calls. And I contacted them the same day within hours of delivery. I reached out to REGIONS my bank the next day. My bank Wants to deny my dispute because I cant prove I returned the washer and dryer. I dont have a truck and Im not gon na pay another XXXX dollars ( what I had to pay to have them delivered ) to have them sent back. The retailer is more than welcome to come and retrieve the product. But if I take them back they can blame me for them not working. I thought banks were supposed to protect their customers
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75252
Submitted Via: Web
Date Sent: 2020-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A