Date Received: 2019-01-22
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: The Regions Bank Branch in XXXX, GA has been stealing funds from bank members. Most recently I was charged another overdraft fee and didnt opt in for Overdraft coverage. Im also not being refunded authorization charges. The authorization at XXXX where changed XXXX to prevent a refund. The order numbers are XXXX,XXXX,XXXX,XXXX. This also happened at the XXXX XXXX with a charge of XXXX Made XX/XX/2019 that was never refunded. Also at the ATM they grayed out ATM withdrawal and check cashing options and didnt allow it to be processed.I have had atm issues before I was recently short changed. They might also be monitoring bank account balances trying to contact employers as well.
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: 2019-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have an account with Regions Bank which is a fairly new account, I have considered closing the account due to the fact that there are limited Regions banks conveniently located throughout XXXX, NC. As a result, the only way in which I am able to fund the account is through Direct Deposit or electronic bank to bank transfers or through transfer services like XXXX XXXX or XXXX. The initial problem began XX/XX/2019, Regions charged a service fee of {$8.00}, I noticed that the fee was causing my account to reflect a negative balance so I immediately made a transfer on that same date of {$10.00} via XXXX XXXX to the account. After transferring the funds, Regions updated the account to reflect the transfer and my account showed a positive balance. A few days after that, on XX/XX/2019, I made two other transfers using XXXX XXXX to fund my Regions account because I needed to go to the grocery store, I went to XXXX XXXX and XXXX XXXX on that date and checked my balance prior to shopping. The account was reflecting a positive balance. However, I see an NSF Fee of {$36.00} was charged on XX/XX/2019, and when I checked my account on last week, I noticed that Regions actually posted the transaction on Monday, XX/XX/2019, instead. On XX/XX/2019, I made another transfer into the account using XXXX XXXX of approximately {$440.00}, these funds were used to pay bills. I paid {$89.00} to a payee ( XXXX XXXX ) as well as made a few other transactions. Again, I budget my funds to the penny, I knew exactly how much money I had and was carefully monitoring the account to ensure that I would not " go over '' my available balance. However, I see that my payment was returned and I was not notified via e-mail notification or any type of notice that the payment was returned until today, XX/XX/2019, when I received a notification from the company, XXXX XXXX advising that the payment was returned and I was charged a {$15.00} fee. In addition, I received MORE fees from Regions for a returned payment but the funds were there so my question is why am I being charged all of these fees when I am making transfers and depositing to the account? I contacted the branch where I opened the account and spoke with XXXX who stated that Regions processing time is delayed and therefore transactions sent after XXXX XXXX is posted the next day. I explained that I was never given this information upfront and was disturbed by the fact that it does not warn you of that prior to completing any type of transaction or anywhere in the bank 's Online portal but, he did not attempt to offer any courtesy refund for the inconvenience and the fact that the bank does not have ATMs within 2-5 miles of my area. I am just getting back to work, as the bank can see based on my deposits and I do not have money to pay in fees. As of date, I have paid {$100.00} in fees that should not have occurred. I have proof of the dates in which the funds were transferred according to my XXXX History. There is no reason as to why there should have been such a significant lag in processing times, especially when it was an electronic transfer. XXXX suggested that I use XXXX, but XXXX is just the same as services like XXXX XXXX, XXXX XXXX and XXXX. So technically, had I used XXXX, there would have been a possibility of the same issue. A fair resolution would involve Regions reversing the {$100.00} in fees. Also, when you call to speak with someone regarding this issue, it seems as if no one can help. There are extensive hold times and you are told that a ticket is being entered but it takes almost 2-3 weeks for the ticket to be resolved. Regions may not be the worst bank but their processes need updating.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2019-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My daughter has a student checking account with Regions Bank, which my name is on. I also have a joint checking and savings account with my husband at Regions as well. Back on XX/XX/2018, my daughter 's account information was hacked ( account number, personal information, pin number, etc ). A mobile check deposit try to happen on her account for the amount {$2600.00}. On XX/XX/2018, someone went to XXXX and started a XXXX for the amount of {$2400.00} using her account information and identity to sign. According to the manangers at XXXX, the person came back in 30 minutes later, canceledthe XXXX and got a refund in cash for the amount processed. Now, ... my daughter lost her debit card on XX/XX/2018. She did wait a couple of days because she took that time to backtrack and search for her card, which she did not find. On XX/XX/2018, she called Regions Bank and reported her card lost/stolen at which time the bank representative informed her of the transactions that occured on her account and that her account was in the negative {$2600.00}. SHe was advised to go to a local Regions Bank branch to file a claim in person. On XX/XX/2018, my daughter went to Regions Bank and filed a claim against the disputed charges and account activity. Two weeks passed and nothing came to inform her of the process or outcome of the claim. We recieved a collection notice in the mail on XX/XX/2018 ( which is when I first found out what had happened and what was going on ). I called Regions Bank to ask about the outstanding balance and was informed that they were trying to collect a debt and the the claim was closed stating that my daughter was at fault for the said charges and activity she disputed. We were then informed to file a police report to submit to the bank for further review. The next day, XX/XX/2018 my husbandand I discovered that his direct deposit into our account was taken by the bank ( {$1500.00} ) and only {$2.00} remained in our checking account, along with them taking {$28.00} from our savings account and leaving only {$2.00} in there as well. The reason, ... the money taken ( which was my husband 's paycheck ) was to cover the negative balance in my daughter 's account, and that I need to set up payment arrangements for the remaining balance {$970.00}. Our XXXX money was taken, ... groceries, bills, etc. It was this day that we found out from a bank representative that the place the transaction occured was at our local XXXX ( the XXXX ). The representative also checked the signature on the mobile check deposit and compared it to my daughter 's signature and confirmed that it did not match. We went to XXXX and they gathered all the information from the XXXX and turned it in to thier Loss and Prevention Department and said that an officer or detective would have to come and collect the evidence but that it was together and would be waiting. They also confirmed that the signature on the XXXX did not match my daughter 's signature. On XX/XX/2018 my daughter and I went to a different Regions Bank branch ( Customer servies at the previous location was very rude ) and wanted to open a second claim over the disputed charges and account activity. They attched the police report to the first claim ( that was already closed ). Regions Bank still has yet to contact the police department to verify any evidence that XXXX had, or even read the police report and is still demading that I pay the negative balance on my daughter 's account. All information points to fraud/identity theft and the bank isn't budging. They say that since her pin number was used for the XXXX transaction, that it is her fault, period. SO now, we are still fighting the bank, trying to recover our money that they have taken ( remind you that there is a balance of {$720.00} that I refuse to pay ) and are seeking a lawyer or legal advise to take this to court. We have called several times over the last XXXX weeks and keep getting the run around, or " let me connect you to a different department, '' because no one can see the information or comment on anything. Regions Bank is the worst, ... they don't care about doing the right thing or your money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 373XX
Submitted Via: Web
Date Sent: 2019-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: HAD A LOAN FROM REGIONS BANK. REGIONS BANK TOOK THE MONEY OUT OF MY SAVINGS ACCOUNT TO PAYOFF THIS LOAN. THIS LOAN WAS PAID IN FULL. THEY ARE STATING IT WAS CHARGED OFF NOT TRUE WAS NOT CHARGED OFF
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: 2019-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have attempted to dispute this issue Bank for several months now sending him letters doing enquiries to them verbally asking them to remove unauthorized hard inquiries that were not authorized as well as removing the false information that they had provided and then had mistakenly remove the entire account kasi need to lose a year and a 1/2 of credit history dropping my scores significantly and now they are not reporting on any credit bureaus they tell me they are when I call the credit bureaus it does not show is reporting and I look at my credit reports it does not show is reporting but regions proceed credit card shares by the fact there's nothing they could do because they're already reporting it I have contacted them and waited for 60 days for the no reply I've had to call them repeatedly in explain over and over with no recovery to fixing my credit and my score back I have had an account open with them for 2 years now and they have completely removed it from all 3 bureaus and I pay it monthly
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: 2019-01-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX Telephone ( XXXX ) XXXX Email : XXXX XX/XX/XXXX To Whom It May Concern : I am writing this letter in my bequest to seek assistance in preventing Regions Bank of XXXX, Alabama from foreclosing on the home of my XXXXyear old, XXXX, XXXX XXXX mother Mrs. XXXX XXXX. Every now and then as I would begin to pause to compose the words in this letter to seek help, I would often find myself bewildered and began asking the question what word ascribed and written in a sentence in the various and sundry Federal Laws and the Codes of Alabama, failed to protect and provide my XXXX year old, XXXX, XXXX XXXX mother, with the requisite safeguard to avoid being an Elderly Victim? Why must we sanction such an eviction decision against the wife of a notable icon leader of the 1960s Civil Rights Movement? Moreover, what word or words can we excerpt from the Settlement Agreement Between the United States of America Department of Justice ( DOJ ) and Regions Bank of XXXX, Alabama to sustain and demonstrate how mortgage lenders must follow established standards and guidelines. Here, we are calling attention to the following excerpt, namely : Mortgage lenders that participate in the FHA insurance program must follow the requirements intended to safeguard its integrity and to protect homeowners, said Principal Deputy Assistant Attorney General XXXX XXXX XXXX, head of the Justice Departments Civil Division. We will continue to hold responsible lenders that knowingly violate these important requirements. FHA-approved lenders have a responsibility to ensure that FHA-insured loans meet our standards, which are in place for the protection of FHAs insurance fund, said XXXX XXXX, HUDs General Counsel. The agreement we announce today should serve as a reminder that sustainable homeownership starts with compliance with underwriting requirements. This settlement resolves allegations that a financial institution, trusted to comply with FHA loan origination, underwriting and quality control requirements, failed to meet its obligations as a participant in the FHA program, said Inspector General XXXX XXXX XXXX for HUD. The banks actions impact the solvency of the FHA insurance fund. It is through the combined efforts of the Department of Justices Civil Division, the U.S. Attorneys Office for the XXXX District of Florida, HUD and the Office of Inspector General that we continue to ensure the integrity of this important FHA program to American homeowners. ( United States of America Department of Justice Office of Public Affairs ( XX/XX/XXXX ) https : //www.justice.gov/opa/pr/regions-bank-agrees-pay-524-million-resolve-alleged-false-claims-act-liability-arising-fha The sad and daunting failure to follow and apply established guidelines to all foreclosure procedures would invariably mean that all mothers and American families will undergo a similar, painful experience. At the present time, I dont have any money and within the past few days and weeks, I have been admitted to the hospital to address a variety of health-related matters. My writing this letter is an attempt to bring information about the housing and medical struggles endured by members of my American family. Moreover, such a testimony is being espoused to try and demonstrate how the Elderly, Aged and XXXX mothers in our community find themselves imbued by the way in which bad faith mortgage foreclosure decisions are being made. I believe that there were many reasons why my XXXX-year-old, XXXX, XXXX XXXX mother is about to lose her home, namely : 1.The foreclosure was done without my XXXX-year-old, XXXX, XXXX XXXX mother being informed about the use of an arbitrator or mediator to resolve the dispute. 2. The foreclosure was done without my XXXX-year-old, XXXX, XXXX XXXX mother being informed about the availability of various and sundry resources to prevent her home from being foreclosed. 3. The foreclosure was done without Regions Bank informing my XXXX-year-old, XXXX, XXXX XXXX mother about receiving help from the various and sundry legal, counseling and housing resource agencies in Alabama. 4 The foreclosure was done without the homeowner receiving a letter from Regions Bank informing her that a decision to foreclose has been made. 5.The foreclosure was done without the homeowner receiving a certified letter informing or notifying her about a possible past due payments or mortgage payment not being paid 6. I believe that the Regent Bank did not act in good faith and fair dealing when it foreclosed on my mothers home 7. I was told by a Regions Branch customer service employee that my line of credit was being paid every month out of a direct debit from my Regions Checking Account 8.I believe that Regions Branch did not informed me that my payments were behind, To the best of my ability, I do not recall receiving a correspondence regarding this matter. 9.My mother has several health conditions that I believe should have been looked upon as a mitigating factor in this foreclosure issue. Such as XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX etc. ; I believe that because of her medical condition some attempt should have been made to assess the publication provided by the United States of America Department of Justice ( DOJ ) entitled Update : A Primer for State and Local Government. In this document, it stated that the Americans with Disability Act : Protects the rights of people who have a physical or mental impairment that substantially limits their ability to perform one or more major life activities, such as breathing, walking, reading, thinking, seeing, hearing, or working. It does not apply to people whose impairment is unsubstantial, such as someone who is slightly nearsighted or someone who is mildly allergic to pollen. However, it does apply to people whose disability is substantial but can be moderated or mitigated, such as someone with diabetes that can normally be controlled with medication or someone who uses leg braces to walk, as well as to people who are temporarily substantially limited in their ability to perform a major life activity. The ADA also applies to people who have a record of having a substantial impairment ( e.g., a person with cancer that is in remission ) or are regarded as having such an impairment ( e.g., a person who has scars from a severe burn ). Title II of the ADA applies to all State and local governments and all departments, agencies, special purpose districts, and other instrumentalities of State or local government ( public entities ). It applies to all programs, services, or activities of public entities, from adoption services to zoning regulation. Title II entities that contract with other entities to provide public services ( such as non-profit organizations that operate drug treatment programs or convenience stores that sell state lottery tickets ) also have an obligation to ensure that their contractors do not discriminate against people with disabilities ( U.S. Department of Justice Civil Rights Division Disability Rights Section, Americans With Disabilities Act ( Https : //www.ada.gov/regs2010/title_2010/title_ii_primer.html. ) I am asking for your help and assistance for my XXXX-year-old, XXXX, XXXX XXXX mother who, is distressed, worried and concerned about losing her home due to foreclosing procedures instituted by Regions Bank. I am requesting that the foreclosure be stopped and immediately the words and language written in the various and sundry Federal Laws, Codes of Alabama and the Settlement Agreement to achieve compliance and enforcement. I look forward to hearing from you. If you need to contact me, I can be reached at ( XXXX ) XXXX. Sincerely XXXX XXXX XXXX XXXX CC
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35211
Submitted Via: Web
Date Sent: 2019-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-09
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: REGIONS BANK had the wrong address on file for me which I corrected my address on my online profile. I requested to have a debit card sent to my correct address and they are saying I have to come to a branch to speak with a banker. I work XXXX to XXXX from Monday from Saturday and I can not afford to take time off work am already in trouble at work for missing a day when I went to sign up for Regions Bank . I need to get a debit card sent to my address on file immediately! I recently set up direct deposit and so now Im going to have all my money going to my Regions account, but I don't have a card to spend my money!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33334
Submitted Via: Web
Date Sent: 2019-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: XX/XX/XXXX, a series on letters to XXXX XXXX XXXX XXXX to correct inaccurate information was submitted in writing to provided address. As XX/XX/XXXX, Information has not been corrected. Have filed online disputes and have tried to call for an in person effort to correct the problems, but inaccurate information still remains. I have tried diligently to repair credit and correct information as to show positive steps in securing better scores for the future.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 381XX
Submitted Via: Web
Date Sent: 2019-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-05
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I set up automatic {$400.00} payments every two weeks to my landlord through regions bank who was using a 3rd party called XXXX to transfer the funds. I then received a large sum of money from my company to move to a new city for a relocation package and I set up a new automated payments for my new landlord. Well as soon as I did that regions locked me out of my account and prompted me to call the XXXX number. I called them and they told me I would have to go into my bank to gain access to my account. I live 5 hours from a Regions bank so I could not do this. They also cancelled the automatic {$400.00} payments which was fine because I moved anyways and paid my landlord with a money order for the last payment. I was also still able to use my debit card just can not see access my account online. I was finally able to go home for the holidays and stop by a regions bank. Apparently my account was marked for fraud and thats why I was locked out. Even though no fraud was done. The lady at the bank had to call an internal fraud hotline. After being on hold for an hour she said I could go and she could conference me in the next day, several days after this, and trips made to the bank by my grandparents on my behalf I was able to gain access to my account. Well even though for 2 months regions stopped the {$400.00} payments to my previous landlord. Guess what the first thing they do is? TAKE {$400.00} out of my account!!! Called regions immediately and of course they are saying they are opening a case that can take 5-7 business days!!! But now they are not using XXXX anymore its a new company called XXXX. I told them I never authorized XXXX to take money out of my account and the customer service rep told me they notified customers they where switching to XXXX by their website once you logged in on XX/XX/XXXX. When I did not even have access to my bank account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74133
Submitted Via: Web
Date Sent: 2019-01-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Regions Bank account # XXXX. I received a notice from Regions bank stating that this account was pas due. I knew I didn't have an open account with Regions so I cent a certified letter to them which they received asking for information on the account because i didn't have an account with them. I never received anything further from Regions. I received an alert from a credit monitioring site stating that an account on my credit was just marke as 30 days late. I called Regions and they told me that I had a Streamline account and that the yearly fee had been assesed. I informed Regions that I no longer had a Streamline account with them and this account was closed months prior if not a year. I don't even have a checking/savings/or loan account with Regions anymore so I asked her how was it possible to have a fee assessed on a closed account. This streamline account was one that I was approved for {$500.00} that I could barrow money from the account and make monthly payments until the barrowed amount was paid back. Regions closed this account long before I left the bank totally. The account was in good standing and had been closed and updated on my credit file for several months to a year. I do not understand how this bank could charge a {$25.00} fee on a closed account that they closed and how could they add a 30 day late to an account that was closed but in good standings. How would I pay a yearly fee on an account that was closed, one that I didn't even have access to because it was closed and I don't bank with Regions since XX/XX/XXXX. The person I spoke with at Regions bank on XX/XX/XXXX stated the account wasn't properly closed which I don't understand wither because it was closed long before this happened and it showed on my credit report which I can provide to show that it was closed. I then proceded to ask the lady from Regions ok, clearly this was a mistake on REgions part so how do I rectify this incorrect information on my credit report that you all reported and she told me that she could send a note to her lead but this was something that I would have to take care of by disputing with the credit bureaus. Why could it be so easy to report incorrect information but not go back to update the credit bureaus with the correct information? This account was never late as it had been closed and in good standing. She removed the charges fromt the closed account said that she believed it wasn't properly closed which I don't believe is true because I showed on the Regions account that it was closed and it showe on the credit report that it was closed. Waking up to a 51 point drop in a credit score because of a mistake by Regions is not fair and then the Regions rep acted as if she didn't care. I have disputed this with XXXX and XXXX and it's not on XXXX and the account is as it should be on XXXX ( in good standings ). I have attached Pictures from my credit report to show that this account was closed as Regions closed it OVER a year ago. They late was added the end of XX/XX/XXXX or first of XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38671
Submitted Via: Web
Date Sent: 2019-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A