Date Received: 2019-05-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I bought a car from driver select on XX/XX/2019. The finance bank that was use was regions bank. As of now XX/XX/2019 they have not reported the loan to my credit or payments that i uave made 3 so far on XXXX, XXXX and XXXX. I contanted them on XX/XX/XXXX about they having the wrong social security at a branch in XXXX in XXXX XXXX XXXX in XXXX texas, the branch manager asked for a copy of my drivers license and social security card which was provided on XX/XX/XXXX. They asked me to give it about 10 days for the loan to show on my credit. However nothing happened. I went to the branch again around XX/XX/XXXX and spoke with XXXX XXXX which told me that it will take another 30-45 days to have loan reported to the credit bureau. I Also received a call from an agent from regions bank on XX/XX/XXXX advising me that the credit update will happen this month in XXXX. However nothing has happened yet. I spoke with XXXX XXXX again today which advised me that XXXX XXXX was supposed to be working on issue and getting corrected and was suppose to call me back. I haven't receive any call yet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2019-05-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-03
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: The closing costs that I was told to expect changed significantly from the initial amounts I was quoted. I have tried emailing the Mortgage Originator and asked several times for their Compliance Department to review but this request has not been granted. I sent a very detailed message with all of the differences ( attached ) noted. If you can't trust the costs that are told to you when you decide to lock-in a rate to not be changed just prior to closing, where is the integrity of the financial market? I feel this is misleading to me, as a consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 318XX
Submitted Via: Web
Date Sent: 2019-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-30
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Used my debit card to make several purchases on XXXX. This made my account negative by XXXX. Went and deposited XXXX on the same day which brought my account positive XXXX. On XXXX I checked my account and it was negative XXXX with a XXXX nsf fee. Regions apparently decided to take the debits out before adding the deposit. This is wrong and deceptive. Its the same reason you guys fined them millions of dollars several years ago. Regions keeps doing the same thing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35613
Submitted Via: Web
Date Sent: 2019-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-29
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2019 I called Regions Bank to file a merchant dispute for a double charge on my bank issued Visa debit card ending in XXXX. XXXX XXXX XXXX charged me {$390.00} twice on XX/XX/XXXX and XX/XX/XXXX when they should have only charged me {$390.00} once for security installation service. The customer service representative at Regions took my complaint over the phone and emailed me an affidavit with the details of the double charge by the merchant, which I promptly signed and faxed back to Regions Bank on XX/XX/2019 along with a copy of the itemized invoice. Approximately ten days after filing the merchant dispute I received a letter dated XX/XX/2019 in the mail from Regions denying my claim. Regions sent me what looked to be a standard form letter with very cryptic messages denying my claim such as passed fraud verification test, card credentials verified, no report of lost or stolen card. Well duh, I reported a merchant dispute and not a fraudulent transaction so why did Regions Bank send me a form letter dated XX/XX/2019 saying they reviewed the transaction and would not be crediting the missing {$390.00} back to my checking account with very cryptically written phrases about passing the fraud test and card credentials verified? The Regions letter went on to say that I could request the back-up documentation that was used to deny my claim. After receiving the Regions Bank letter denying my claim because the transaction passed the banks fraud test for a merchant dispute I called and told Regions that they committed gross negligence in reviewing my disputed transaction and were in violation of Regulation E and also in violation of Visas merchant dispute policies. When I called Regions after receiving the denial letter the representative rudely told me that the only way they could reopen the case was if I submitted additional documentation even though Regions Bank was the responsible party for mishandling their initial review of the merchant dispute. A few weeks later on XX/XX/2019 I faxed Regions a letter with another copy of the itemized invoice and the bank finally returned the missing {$390.00} back to my account on XX/XX/2019. However, it took more than a month from my filing of the initial dispute to have these funds returned to my account. I want a copy of the back-up documentation that Regions Bank used in initially denying my claim as they are required by law to provide to me upon request. I have repeatedly asked Regions to mail me a copy of the back-up documentation used in their initial denial of my claim and they have so far refused to send it to me. Besides being in violation of Regulation E Regions Bank needs to apologize to me for their grossly negligent and renegade behavior. My hope is that the appropriate regulatory authorities including the Federal Reserve and the CFPB force Regions Bank to completely revamp their merchant dispute policies so that they are no longer in violation of Regulation E. Regions Bank did not do their job in initially reviewing my claim and wanted me to do their job for them. This is simply inexcusable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70115
Submitted Via: Web
Date Sent: 2019-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-27
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I opened a Secured Credit Card through Regions Bank. The amount of the deposit was {$250.00}. I always asked alot of questions and I made sure to asked if at anytime I wanted to close the account would their be any problems. I was told that I could close the account at any time. A while later I was almost XXXX by my ex. I have several XXXX XXXX, XXXX, and XXXX. After I started healing I went to the bank and asked them to close my account because of what happened. They requested it in writing which I did and thought the card would be closed. It wasnt, I recieved several call and over the phone, I requested the card to be closed and explained all the above. I was told they would close the account. I havent recieved a letter nor a phone call about this matter until it showed up on my credit report today as a Write off. I am requesting all the charges, payments, the date the account was open, and what happened to the letter I gave the Teller requesting my account be closed. And why I am being charged DOUBLE the amount I paid to open the card?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-24
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Please see uploaded documents. Regions Bank in XXXX, AL ( XXXX XXXX ) Mislead my brother and me into a bogus mortgage loan. We were told my brother could not get a regular mortgage because he owed the IRS, which he was currently, paying on schedule. Instead of giving my brother a real mortgage loan he setup what I have now been told a balloon loan that was due in 5 years. XXXX could have used the house that my brother had got through XXXX and XXXX auction as the collateral. The house was worth three times the amount that my brother was trying to borrow. There was no reason for my CD to be use for the collateral. As a result of how XXXX setup up this loan and never told either of us that the loan would be due in 5 years, something that I would have never agreed to had that been mention at the time, Regions cashed in my CD and took the money. Now, I am out of over XXXX+ because of Regions, unethical and discriminatory loan practices, plus Regions made a ton of money in interest on this bogus balloon loan. Three other local banks that explained to me what Regions did said my brother could have received a regular mortgage loan and would have never had to use my CD. The money that my brother was trying to borrow and what was owed to the IRS was less than XXXX still way under what the house was valued at. Plus my brother owned land and that was never mentioned. XXXX 's primary focus was my CD.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30269
Submitted Via: Web
Date Sent: 2019-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-24
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Here is a copy of the letter that I emailed to the company today. I tried to contact XXXX XXXX XXXX but their website does not allow the submission of letters with any type of punctuation and I felt that my submission would be grammatically incorrect and mis-founded. XX/XX/2019 XXXX XXXX President and Chief Executive Officer Regions Bank Corporate Headquarters XXXX XXXX XXXX XXXX XXXX, Alabama XXXX FDIC Field Office : XXXX FDIC Supervisory Region : XXXX, GA Federal Reserve District : Washington Re : Bank Statements Dear XXXX, I have difficulty making deposits for a family member on a personal account that they have with your bank. When I researched your bank insurance information online from different websites I found conflicting information. Some of the sights show that you are FDIC insured and others show that your customer accounts are not : Investments, Annuities and Insurance Products Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value Are Not Deposits Are Not Insured by Any Federal Government Agency Are Not a Condition of Any Banking Activity Only bank deposit products are FDIC insured. Member FDIC. Your companys profile ( file : /XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) shows that you are FDIC but that your main focus is, Commercial Lending Specialization which may be why I get nervous every time I walk into the bank to complete even a small deposit. Also, your customers bank statements do not reflect personal ownership, meaning their name is not listed on the bank letterhead with their account number. This leads me to believe that you are not properly insured for consumer personal account and that anyone can use the funds from someones personal account without a transaction being easily traced. I have had an account with Regions Bank in the past and I always had an accelerated urgency to spend my funds as soon as I deposited money into my account which caused fees. In a small town or city the customer is being targeted if they can not determine how often they spend their personal funds or in what order their purchases will be paid. To resolve the problem, I would appreciate your action properly insure consumer accounts against fraud from the bank employees as well as the general public, discretely indicate on bank statements that a customers account number belongs to them, allow the use of first, middle, and last name ( and/or initials ) on bank accounts and statements to insure that two individuals with the same name or initials do not get their funds mixed up. I look forward to your reply and a resolution to my problem. Sincerely, XXXX XXXX XXXX, Attorney Pro Se, XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XX/XX/2019 2019
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 383XX
Submitted Via: Web
Date Sent: 2019-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-23
Issue: Problem when making payments
Subissue:
Consumer Complaint: XXXX XXXX got a small loan with Regions Bank. They are trying to make it look like a credit card. These people are crazy. Since when did they give credit limits on a personal loan? Payments are being made but they are not acknowledging the payments being made the balance is not being updated either. The balance is remaining the same.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2019-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-23
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: HELLO AS THEY ARE TREATED TO SOLVE THIS PROBLEM WITH MY BANK BANK REGION THEY ARE IN THE PROCESS OF CLOSING MY ACCOUNT ONLY BECAUSE I RECEIVED A CHECK AS I PAYED IT AND DEPOSITED IT IN MY BANK ACCOUNT BUT THE CHECK RETURNED BECAUSE I DID NOT HAVE FUNDS I DID NOT KNOW WHAT HAD PAID ME WITH A CHECK WITHOUT FUNDS NOW MY BANK SAYS THAT I'M TRYING TO MAKE A FRAUD AND IT IS NOT ALREADY I HAVE SEVERAL YEARS WITH THIS BANK ACCOUNT HERE IS WHERE I RECEIVE THE MONEY THAT DEPOSITS SOCIAL SECURITY FOR MY XXXX SON XXXX XXXX THIS ACCOUNT TO RECEIVE MY MONEY .... I NEVER TRIED TO MAKE FRAUD AND I HAVE TIME HERE AND NEVER HAVE THAT INTENTION THANK YOU ..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2019-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-19
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have sent a message to the company in charge of comdata. I have explained to them that the atm made a mistake when it dispensed the money i was supposed to receive. I have not heard back from the company and the representatives keep informing me that it would take about 60 to 90 days to resolve my dispute ; please advise they have been taking longer than normal with the disputed transaction
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: 2019-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A