Date Received: 2018-10-19
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I made a claim for unauthorized debit card transactions on XX/XX/2018 due to the fact that I lost my debit card and it was not in my possession. Regions Bank denied my claim and stated " Transaction verified with your card credentials. Transaction passed fraud analysis. '' As permitted by Regulation E, on XX/XX/2018 I requested copies of the documents Regions Bank used in making its determination not to credit my account for the unauthorized transactions. However, Regions Bank has never responded to my request and has not credited my account for these unauthorized transactions. In effect, they have simply ignored my request because they know there are no penalties under Regulation E for their bad faith actions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35242
Submitted Via: Web
Date Sent: 2018-10-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/2018 I paid an amount to settle a debt in full to REGIONS Bank, and the payment has cleared and was accepted by Regions Bank as complete settlement. A confirmation was recieved from Regions Bank confiriming via mail, email, and phone. I have reached out to Regions Bank regarding their inaccurate reporting to all credit reporting agencies that this debt still has a balance due which in fact is inaccurate and damaging information. Which is directly impacting my efforts to resolve this unfortunate situation that was a direct result of multiple untimely and unexpected immediate family deaths including my Mother, Aunt, and Grandmother within only a 3 month period. I have unsuccessfully reached out to this creditor asking that if this debt is settled to please extend their goodwill and remove this account in its entirty upon settlement from my credit reports. This has not been done nor is it reporting accurately. Attached are supporting documents I ask for CFPB 's assistance in this matter sincerely.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2018-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-18
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: paid for services i discontinue XXXX is still taking money out of my account regions not letting me login and remove the inaccurate charge from XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2018-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-17
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Ref Regions Unauthorized Transactions Claim # XXXX. On Saturday XX/XX/2018 we discovered fraudulent purchases on our checking account that was made through a debit card. We cancelled the card ASAP and reported the fraud. We were advised to go in and file a complaint when all items had posted. My wife went to regions in XXXX Al on Tuesday XX/XX/XXXX. She spoke with XXXX XXXX and gave him a list of items that were on our account that we had not purchased. 4 of the 8 items were in regard to play station. Upon completion of Regions claim my wife saw an additional charge that was added to the list that was a legitimate purchase for our son ( XXXX ) on his play station account. My wife advised XXXX XXXX 2 times that purchase was not a fraudulent purchase. He said that it needed to stay on the claim. My wife went back into the bank again within in 30 minutes and again advised she wanted that removed from the claim and was advised it could not be removed. Therefore XXXX XXXX has made a fraudulent claim after being advised 3 times of the truth. We have made multiple attempts to correct and resolve this matter and can not get any clarification or written proof that this has been corrected. I have been hung up on when discussing this with corporate. We just want it to be documented that the charge on XX/XX/2018 is a charge that we made and we owe. We also do not want the fraud investigation to be held up or overturned because of a fraudulent claim by XXXX XXXX.
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: 2018-10-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I currently have a mortgage with regions bank. I recently got a letter in the mail about my mortgage increasing due to homeowners insurance increase nationwide. I called regions and request that they terminate my mortgage insurance ( PMI ) which would help maintain my mortgage payments to where it was manageable. The representative I spoke to at the time told me that he was going to put this request in which is due to me base on the length of my mortgage with them. a few weeks later I got a denial letter from regions stating that they are unable to terminate my PMI due to delinquency on my account. my account is not in any delinquency back in XX/XX/2014 I lost my job and was going through a hardship I missed one payment and it was due to the fact I was in a process of applying for a modification to help me from losing my house then. Now with this increase and regions declining to terminate this insurance I am having a hard time making my payments and fear I may fall behind on my payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33309
Submitted Via: Web
Date Sent: 2018-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: For the last 12 months or so, I have noticed theres clearly fraud happening with my account, charge I dont recognize, purchases, you name it. I have filed multiple claims and changed cards multiple times and even changed my checking account information. I DO NOT give my card to anyone, but in restaurants and the ocasional online purchases. Im 100 % sure I have been victim or fraud and someone is literally picking me to steal. The drop that spilled the milk was that theres was a {$21.00} and change charge coming in every month for 6 months that even caused overdrafts a couple of times. I didnt noticed, Im a busy single mom of XXXX that works her XXXX off to put food on their table. So when I noticed what was going on I called the Regions Bank and explained, we cancelled the card and they advised they filed the dispute. But I also called the company charging me and told them to stop and to give me my money back. They said theyll give me a refund for all charges, but they stated that the card needed to be updated for that to happened, so I naively followed their steps and updated my card on their system so they coul refund the money as it turns out the very next day I get another charge, then 2 days later they refunded 2 amounts of {$29.00} each. I didnt know where they got that amount from, but after I saw I printed the statements and realized they charged that amount once too. So I decided to call the bank and explain just to find out they denied the claim, then I called the company again and conferenced them in to each other, just to hear them say they never cancelled anything ... How if asking you to refund me, you didnt close whatever I didnt know it was open? Thats why supposedly I got charged after updating my card on their system. The bank lady filed another claim and the dude finally closed whatever was open. They said that if it wasnt me, how my email was in there? I literally said, I dont know, how is your information fitting in? I dont know either! But Im just tired of being robbed! Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2018-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-11
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Withdrew {$200.00} from Regions ATM on XXXX XXXX in XXXX TX on XX/XX/XXXX around XXXX XXXX while waiting for a restaurant to open from one checking account and immediately re-deposited cash into my mother 's checking account. Machine froze after entering debit card and cash into machine and then entire machine turned off. Immediately called bank to get issue resolved. Was told that the bank manager would get an email to make sure ATM was balanced and issue would be corrected. Was told they could not give me confirmation of phone call and to call back within 72 hours if the issue was not corrected. Called back on XX/XX/XXXX, 72 hrs later, and was told they meant 72 business hours to check why it was not resolved if the money did not show up. Was told to call back the next day. Called XX/XX/XXXX and was told my claim was denied on XXXX because they did not find a {$200.00} check. I reiterated that it was cash, was told they would re-open claim. Wondering why they had an answer on XXXX that claim was denied and was not told that on XX/XX/XXXX, and they also stated they don't know why I was told that the bank manager would be able to know if ATM would be balanced. Too many conflicting answers, I just want the cash I deposited into my mom 's account corrected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2018-10-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: My Payments with Regions credit line in XXXX was late, and was paid in XXXX. Although I paid account to {$0.00}. Regions did not accurately display my payments as they said both months were late. I contacted Regions and told them the reason I missed was because of bills not being accurately sent to my address due to me moving, and I also did not get correspondence from Regions that I owed. I thought account was at {$0.00}.
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: 2018-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: regions pulled my credit twice in 3 days is a violation of the fcra XXXX XXXX pulled my credit twice same day
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2018-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My situation dates back many years to dealings with both Regions Bank and XXXX before the merger. We ( myself, my brother, and my first cousin ) had a number of personal and business loans with these banks. All of these were handled in a satisfactory manner and we paid those loans in accordance with the agreed upon terms. In XXXX we were reworking and renewing most of our loans. Our loan officer at the time, XXXX XXXX, recommended different loan structures that he said would best fit our needs. Having always had a good relationship with our lenders ( who we considered our business partners ) we went along with his recommendations. I was later told by a person no longer with Regions that loan officers had an incentive to promote certain types of loan structures because it led to significant bonuses for the loan officers and to their superiors. I recall specifically that we were rushed to sign many of these documents at the end of XXXX in XXXX, just before the quarter end. Mr. XXXX drove to XXXX to meet us to complete the loan documents. I now believe that this was in part to book those loans prior to the 2nd quarter end. In particular, a large amount of the loan volume was tied to an " interest rate swap '' that later proved to be very problematic. In any event, we paid those loans as agreed and continued to do so until some of the loans matured. At that time we had assumed that the loans would be renewed on the same or similar terms as before since we had performed in accordance with the loan terms. Instead, the loans that matured were called due and were told to pay off Regions " or else. '' Thankfully we were able to refinance those loans and paid Regions in XX/XX/XXXX. Even the loans that were being paid on a monthly basis and that had NOT matured were accelerated due to the other loans having matured and not being paid off. In effect, Regions forced us to pay off loans that were current, and those were the loans with the penalties associated with the interest rate swap. During this same time period I had a personal loan that had to be renewed. It was handled in much the same manner as the business loans, but it was ultimately renewed. However, the terms were unfavorable and that was due in large part to the negative effect on my credit which had been damaged by Regions handling of my various loans. That personal loan has matured and I am once again in a conflict with Regions about refinancing that loan. That situation is the primary impetus for the filing of this complaint. I have attached copies of various communication which I have had with Regions in support of this complaint. I very much appreciate the opportunity to present this information to you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 364XX
Submitted Via: Web
Date Sent: 2018-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A