Date Received: 2019-11-27
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: XX/XX/2019 ; XXXX : didnt never deposit money in my account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2019-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-26
Issue: Fraud or scam
Subissue:
Consumer Complaint: Fraudulent charges at Regions bank reported immediately and card closed down and ask to have debit transactions stopped but institution says they could not and sent money anyway.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 351XX
Submitted Via: Web
Date Sent: 2019-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-24
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Regions bank of Alabama has charge my account several false overdraft fees and will not reverse them. I have explained them how it is inaccurate and I have receipts to prove the fees are false, the agent did not care to listen. Some of the charges are noticeably false. Please help. After review I have found that this same bank was fined for similar reasons in the past.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36109
Submitted Via: Web
Date Sent: 2019-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am an XXXX, a XXXX XXXX, living in XXXX. I have an account at REGIONS BANK in XXXX, Florida, where my pension and SSA is deposited monthly. My ATM Card expired XXXX. I've been attempting to obtain a new ATM Card from REGIONS BANK since XXXX. Today is XXXX. I have emailed the bank multiple times explaining that I am without access to my funds until I receive my new ATM Card. I have even asked them to XXXX XXXX it to me. I continually get the same response from the bank that it can take up to 10 days to receive since I reside in XXXX. Their responses seem preprogramed with minimal Customer Service to my predicament. Now, 20 days later they're responded that instead of the 10 days they first mentioned, it can take 30 days. As of today 's post I still have not received my card, which leaves me without access to my money for living expenses and medical expenses. If you can advise me I would be most appreciative. Thank you. XXXX XXXX email : XXXX I
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: 2019-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-18
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX I was behind on my mortgage payment by 3 payments. I sent Regions Mortgage a payment on the XXXX XXXX, XXXX to satisfy the payment for XXXX, XXXX payment. Regions sent this payment back to me and filed for foreclosure on my house on the XXXX of XXXX, XXXX. I have asked them and the lawyer why they would send the payment back to me if their filing for foreclosure was perfectly legal. Regions told me they could file foreclosure at any time once the payment was delinquent and that I missed XXXX, XXXX, XXXX, XXXX, & XXXX payments. I believe the state law is that the loan has to be 120 days delinquent to file foreclosure. At the time they filed, if they would have kept my XXXX payment it would have been 91 days delinquent. Since then they have demanded that I pay the amount in full to bring the mortgage current. This includes {$3000.00} in added loan fees plus {$3000.00} more in lawyer and court costs, or I can fill out a loan modification. I believe the PMI was supposed to come off the loan it and it is a low interest rate loan at that. The property is valued at {$200000.00} and I owe a little over {$110000.00} on it. I sent Regions a check for {$1200.00} on XXXX XXXX, XXXX & XXXX XXXX, XXXX, {$2000.00} on XXXX XXXX, XXXX, {$2500.00} on XXXX XXXX, XXXX and {$9000.00} on XX/XX/XXXX and all have been returned to me. I'm not sure what they are telling the court here if anything. I had to borrow money from my father to get {$9000.00} to send them. Also, in XXXX Regions did offer me a loan modification of paying {$770.00} for XXXX, XXXX and XXXX. I paid them {$1300.00} in XXXX and {$1200.00} in XXXX. I paid them more than what they were asking for in that timeframe. I set my XXXX payment up a week early to go and I believe that is when they decided to file for foreclosure on the property. In the last year this is the first time that I have ever been late on mortgage payments. I have had the loan since XXXX and it's a 20-year mortgage. I have let Regions know all along what was happening, so they were aware and I was trying to get back to where I could get caught up on the payments and make them and I was in the position in XXXX to do this. I would like someone to review the loan and how they have kept the payment higher than necessary this past year. I have had the loan since XXXX and it's a 20 year mortgage. I have let Regions know all along what was happening so they were aware and I was trying to get back to where I could get caught up on the payments and make them. I have internal correspondence between me and the Regions Mortgage representative also. If you need to view these messages let me know and I will try to download or paste them into a document for you. I did have trouble with my vehicles and couldn't make it out the courthouse within the 30days after they filed foreclosure, but I did rent a vehicle to drive over there and filed a motion to stop the sale of the home but I haven't heard back from the court on the date for my hearing. I believe the court wants me to file bankruptcy since I do have money invested in the home and have outstanding debt that I need to get caught up on but if the PMI were to come off the loan I could start paying these other entities again or if they put it back to where it needs to be I could get caught up too. No matter what I it seems like they keep causing me other issues so I have to fix it their way. I know its not all the bank but I feel like they are helping cause these issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29485
Submitted Via: Web
Date Sent: 2019-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Regions Bank is refusing to refund fraudulent debit card charge. On XX/XX/XXXX my debit card ( along with several other credit cards ) were stolen. A transaction was made almost immediately to the thief 's XXXX account ( XXXX ) for {$300.00}. I reported the card stolen within 2 hours ( honestly I think it was under an hour ) to Regions Bank. I reported it stolen that night over their XXXX number ( and to the local police department ) and then I went into a local branch and was told they couldn't do anything until the transaction was actually posted. Only THEN could a dispute be filed. On XX/XX/XXXX they sent a letter to me telling me no credit to my account would be made for this fraudulent transaction. The stated reason was " Transaction verified with your card credentials. Transaction passed fraud analysis ''. So as a matter of routine and apparent policy they do not limit user 's liabilities to {$50.00}, which is the law according to the Electronic Fund Transfer Act ( EFTA ) or Fair Credit Billing Act ( FCBA ). If I'm not understanding the law correctly, please let me know, but every source I've seen says I'm right. It took me several days to get a live person to speak with at Regions ( knowing the local branch wouldn't be of any help, it's out of their hands according to the person I spoke with ). When I did finally speak with someone they told me nothing could be done.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30114
Submitted Via: Web
Date Sent: 2019-11-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX I was informed that my Regions credit card account was in default for several months, even though a had set up the automatic bank debit feature, as all other accounts in my possession, the bank account was not debited and they reported me to the credit reporting agencies lowering my score considerably. On XX/XX/XXXX, I called the company and talked to four different people and was transferred four times, this took over an hour, it was impossible to reach the right department. Proceeded to place another complaint through the web page and they are not responding again.
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: 2019-11-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-16
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: REGIONS BANK This is the worst bank I've ever had to deal with. I am retired collecting Social Security income. The representatives you deal with are totally unacceptable, unprofessional and the Banks policy ( according to what I gathered from what the banks representative tried to explain to me ) is NOT fair and downright robbery to any customer, also the Online Statements are not accurate and are deceiving, unfortunately to any and all customer of theirs. Regions Bank. In one of their internet statements it states We're Regions, and we're here to help. REALLY? I called my branch hoping they could explain to me why Overdraft Fees were charge to my account this morning, especially since the night before my Available Balance was not in the red. During the call, the representative, after some nonsensible explanation, told me that I would need to speak to the Manager, who wasnt there, she explained there were other customers waiting ( am I not a customer? ). I reminded her that I was also customer and she needed to attend to me accordingly. I wanted her to explain to me why on the evening before, while checking my online statement every line on the statement was positive and that showed a Posted Balance in the positive, then a Pending Balance ( 4 pending items ) and finally my Available Balance also in the positive. All was good and in the positive, at that point last night. This morning when I checked my online statement, Regions Bank charged overdraft fees amounting in total for {$100.00} ( apparently, 3 overdraft fees of {$36.00} each ) that was immediately posted after a positive balance and resulted placing any pending charges in the red. Above this over draft fee of {$100.00} were 2 remaining pending items that were from the original 4 pending charges on my account and as stated above were now in the red. This made absolutely no sense to me at all. Keep in mind, I was never in the red the evening before which included 4 pending items, mentioned above, that I already knew about and correct. The representative could not explain why overdraft fees were charged, that made any sense to me even after explaining everything I stated above and she began speaking over me while I was talking. She insisted that I speak to the manager on Monday. This just doesn't make any sense to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32257
Submitted Via: Web
Date Sent: 2019-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Received loan modification documents in the mail from Regions Banks, the modification terms is setting me up to lose my home. The interest rate isn't a fixed rate for the term of the mortgage and its a interest only mortgage loan. The economy is very unstable at this time and I don't want a mortgage loan or interest rate that is going to make me lose my home to foreclosure. There is also a pending property foreclosure sale set for my home XX/XX/2019.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 380XX
Submitted Via: Web
Date Sent: 2019-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-09
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was the victim of debit card theft. I reported this to my bank the same day ( XX/XX/19 ) I saw the charges appear. I was in Florida WHEN they occurred. I made a check deposit at my local branch, and these FRAUDULENT charges were for out of state businesses ( XXXX, XXXX XXXX, XXXX ) with 2 of them being personal drafts made by the thieves. The XXXX XXXX charge didn't go through since my card was deactivated and/or it wasn't accepted by the bank. One of the fraudulent charges even has one of the recipient 's names, XXXX XXXX. I am assuming she is part of the theft being as though this woman lives in the same city/state as all of the physical stores. I did some digging on the name, and found a criminal history for a XXXX XXXX in Georgia for related incidents. The 4th charge is a small online charge for {$17.00} to an unknown store. Yet, all of the physical store locations have store numbers listed on the fraudulent charges, and they are all located in XXXX XXXX, Georgia. XXXX XXXX also lives in XXXX XXXX, Georgia. She was the recipient of the fraudulent money transfer of {$100.00}. This is not an application I've ever used, nor heard of prior to this incident. I am still not entirely sure what it is. My bank can see I've never used it before, too. Nonetheless, I reported these fraudulent charges to my bank immediately. They were all processed AFTER the reported theft. I immediately had my debit card canceled, and lived without any access to what remaining money the theives left for me nearly a week. I replaced my card at the bank just yesterday ( XXXX ). The remaining fraudulent charges are as listed : XXXX XXXX XX/XX/19 {$100.00} XXXX XX/XX/19 {$63.00} XXXX # XXXX XX/XX/19 {$240.00} XXXX XXXX XX/XX/19 {$17.00} The reason for not returning my money is that my card wasn't reported stolen. Yet, the bank is who canceled my card after I reported the theft. I am a FLORIDA resident. My bank is FDIC insured. I am supposed to be protected against this type of fraud. Regions has been completely uncooperative in assisting me. They have the name of at least one of the theives, but even if they chose not to prosecute her, the bank has insurance. I am more than likely going to change banks. Complaints I've read online show that this a wide spread issue with this particular bank. I'm at a loss of what to do. I clearly am not a Georgia resident, and used my debit card at a Florida branch location on the same day. It should have been obvious that my numbers were skimmed somehow.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2019-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A