Date Received: 2018-08-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX I went into a branch and made my payment. The account had a XXXX balance and it was just paying a annual FEE. I told the manager that I was told the money was supposed to be with drawn from my savings account which has plenty of funds to pay the 1 time {$25.00} fee they charge me a year. I told them to please pay my account and any Fees if had any. They took the funds from my savings account and said I had a XXXX balance. 2 months later they said I did not make my full payment and charged me another {$58.00} dollars and took it from my savings again and reported me late to the credit agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2018-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-16
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XXXX-18, I opened a checking account with the promise of a {$200.00} bonus ( https : //info.regions.com/regions/18/hhg/cashoffer/campaignlp/index.html? promo=200PD18Q3 ). I later opened a savings account and was promised a {$100.00} bonus if I made regular transfers for six months. On XX/XX/2018, I received a form letter from XXXX XXXX with Regions Bank : " We are unable to verify certain information '' and requesting a copy of a Lease Agreement, Mortgage Statement, or current utility bill. I am currently living in a XXXX XXXX home, so have none of these. Does this mean Regions no longer wants my business? Please explain why you would threaten to close my accounts if I don't provide documents I do not have. I think the answer is simple : Regions is trying to avoid paying me the {$200.00} promo they promised me when I signed up -- for shame REGIONS! I spoke with XXXX. She tried to help, but, alas the bureaucracy wouldn't allow it! She assures me that the letter wasn't an attempt to deprive me of my bonus. She stated that it was generated when a Regions person accidentally entered a PO Box as my physical address, and that it had been fixed. I asked for a letter verifying that it was fixed and my accounts would not be closed, but apparently that isn't " policy, '' so can not be done. They were quick to put their threat to close my account in writing, but can't give me any assurance that it is fixed in writiing -- how is that fair? Shouldn't everything about a business relationship be able to be put in writing -- at least as long as everyone is dealing in good faith? I still think they are trying to avoid paying the {$200.00}
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: 2018-08-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-13
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I am a senior citizen and on XX/XX/XXXX I decided to go to my bank 's website and take a look at my recent checking account transactions. I noticed one ACH transaction on my statement that I was not familiar with ( XXXX ) in the amount of {$17.00} and called the telephone number included with the transaction to try and get more information. I was told that they are a " Hospital Accident Protection '' insurance company ( XXXX XXXX ) and worked with my bank ( Regions ) to offer me a policy with this company in XX/XX/XXXX. I would never agree to accept such a policy nor would I agree to have monthly debits ( {$17.00} ) made from my checking account to pay for this. I told the person on the phone that I never agreed nor authorized their company to give me a policy or withdraw {$17.00} each month. I asked what her name was and where they were located and she replied that they were in the XXXX and she offered to cancel my policy and send me a letter confirming the cancellation. I said I wanted my money back for the last 44 months they have been making unauthorized monthly debits and she said she would also send paperwork to arrange for the refund. I then called my bank ( Regions ) who researched this so called affiliation to offer policies to their bank customers and the bank could not find any information nor could they confirm that I was offered and accepted this policy. After explaining that money has been fraudulently deducted from my checking account since XX/XX/XXXX they said they would explore the matter further and possibly refund for only the last two ( 2 ) years. They will notify me when a determination is made.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33322
Submitted Via: Web
Date Sent: 2018-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-06
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: My mortage company, Regions bank, put hazard and flood insurance on my home loan before I was able to sell it. They didn't notify me only my EX husband who was also on the loan. They sent no documents to the address of the property they were insuring. I am the one who lived in this home. When I went to close I had to pay over {$25000.00} in force placed insurance. I have all the statements from the bank that show they sent my Ex everything and me nothing. I am trying to get my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 377XX
Submitted Via: Web
Date Sent: 2018-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I disputed a fraudulent transaction with Regions Bank. Dispute me filing an affidavit and them closing my card due to fraud they deemed the charges valid without ever contacting the merchant where the fraud occurred. I was charged two ( 2 ) times that I did not authorize after doing business with the merchant months earlier for a completely different amount.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2018-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-03
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I was charged an overdraft fee for a posted item that didn't actually overdraft my account. My balance after the posted XXXX XXXX transaction was {$1.00}. There are 2 pending debit card transactions that have not hard posted yet. I have been in XXXX for 18+ years and I've not seen where a customer is charged for " pending '' potential overdrafts. My posted balance after the overdraft fee of {$36.00} is XXXX. How is that?? I used the wrong debit card at XXXX XXXX yesterday after XXXX. As soon as I realized this, I deposited {$2.00} to cover the difference. In my experience an overdraft fee is assessed the following day after the item hard posts to the account, giving the customer time to correct the overdraft. I also thought most financial institutions had implemented the no fee if overdrawn less than {$5.00}. Perhaps Regions is not one of them. I still think the way my transaction and fee were presented on the same day still not resulting in a posted actual overdraft, is more than shady. I'm really hoping this is some kind of system error and it will be corrected. I emailed Customer Service about this and was given a templated response regarding their posting order. " When a purchase or withdrawal is made with a XXXX, those funds are immediately held ( or " frozen '' ). Purchases made with a XXXX have been guaranteed to that merchant and represent goods or services that have already been received. This means that during processing each night, there must be enough funds available in the account to cover the items that are posting and the items that are still pending. The balance in the account before posting on XX/XX/2018 was {$6.00}. There was 2 transaction pending ( holding ) for {$2.00} which left an available balance of {$3.00} for us to pay the items posting to your account that night. There was then 1 item presented for payment on the account for {$5.00}. We paid the items for you, but the account was charged the overdraft fee since the funds were not available to pay the item. Even though the funds were in the account, they were not available since they had been guaranteed to other merchants for the pending items. I know this can be complicated. To make things easier to understand, we provide a breakdown of your balance on this date ( or the date of any overdraft occurrence ), from your Account Details screen. All you have to do is click the green fee name in the description column. This will allow you to view the Overdraft Notice. '' So I will now pay {$36.00} X 3 for a difference of {$2.00}. I will now get charged 2 additional {$36.00} fees for the " held '' {$1.00} and {$1.00}, even though I deposited enough money to cover those. Since they charged the {$36.00} fee for the {$5.00}, and {$1.00}, and {$1.00} ... .but because the {$1.00} & {$1.00} are pending, when they post tonight, they will charge me OD fees for those AGAIN. I have never seen transactions pending handled this way in banking. It is thievery and should be a violation banking acts. The way these transaction reflect on my statement doesn't even reflect this logically. I was charged an overdraft fee on the same night that the transaction posted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46902
Submitted Via: Web
Date Sent: 2018-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-03
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I've been off from work with and work injury to my arm since XX/XX/2018. I've requested a mortgage modification because I'm unable to work. I don't want to loose my home. Also documents from my mortgage company show XXXX XXXX name. We are divorced and she signed a Quit claim deed to be removed from the deed. XXXX XXXX is still reflecting her on the deed. She was never on the note and the loan was acquired in my name. Also I received notice of service transfer from Regions stating the new servicer and the new servicer would not be recorded. Please record the deed and record all papers pertaining to my mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38125
Submitted Via: Web
Date Sent: 2018-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-02
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: This company has had many issues since they changed their system back in XX/XX/XXXX. The issues are as follows : 1. Website changes resulted in a poorly functioning website, which constantly has code errors. I can not even order cards or do most basic functions which they try to tell you to do online. The " enable support '' button does not even work when you contact them for help. I spent almost a full year last year calling 2-3 times a month notifying them of the issues and requesting that it be fixed. It never was. 2. Billing issues galore. - Their normal time between bill sent and payment due is 14 days. Even when a check is mailed on the day the bill is received, they still post the payment late and they charge exorbitant fees and interest. - Using their online payment is problematic as well. I tried to pay my statement balance on XX/XX/XXXX and their system would not allow me to pay the full statement balance. They could not explain why. I was told today that they know of a few accounts this is affecting but do not have a fix yet. When I received my bill on XX/XX/XXXX, it shows a past due for the amount that it would not let me pay before, even though the person on the phone, XXXX, assured me that it would not happen. - When they credited back fees ( the XXXX one was in excess of {$1500.00} ) they force you to pay the whole amount, including their error, and it will be fixed in the following month. If you do not pay that amount, they freeze your account, even though you actually did not owe the money. They state they have no way to apply the credits right away, they can only be applied to the next bill. - Allowing merchants to submit payments 8 months later and backdated to that time. ( I received charges from XXXX on my XXXX statement ) XXXX stated that they do not have rules or timeframes in place for merchant submissions. They also do not have a way to start disputes with a phone call, they make you go to the website, which, as per above, is problematic. When you select the " other '' for dispute, it tells you to call their customer support who can not file the dispute! They tell you to file the dispute with the vendor. I reconcile my pending charges every single day into an XXXX spreadsheet then reconcile them against the posted transactions when the bill is issued. These charges were not included anywhere in XXXX or any other bill until the one sent on XX/XX/XXXX. Being a XXXX company, we have every 6 months financial statements done by an accountant. The first half of my year has already been closed out and I can not add in expenses without causing major problems. Also, after this amount of time has transpired, I can not be sure that these are legitimate charges, as my guys are not going to remember where they stopped for fuel or whatnot 8 months ago. 3. Call center issues - When they did their changes in XX/XX/XXXX they started using international call centers. This has caused many issues. Most times I am connected with someone in another country who I can not understand through their accent. Also, every single time I have called customer service to have an issue on my account fixed, they have created even more problems. One example is calling to increase limits on a card resulted in that card being blocked. The customer service reps do not seem to understand how to properly correct issues. Also had numerous times where they can not understand simple explanations, most likely due to the language barriers. I have contacted the XX/XX/XXXX for issues with this company before, and though promised the issues would be corrected, they have not. If anything, it has gotten much worse.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2018-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Posted a cash deposit on XX/XX/2018 in the amount of {$800.00} well before the XXXX XXXX cutoff. Regions did not post this deposit to my account XX/XX/2018. The money just saw there even though, it was coming directly from my checking account. On XX/XX/XXXX, I was told by XXXX, the credit card supervisor that it takes 48-72 business hours for cash deposits to post to an Explore account. I attempted to explain that I had never experienced this type of undue delay with a cash deposit. She was rude.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-01
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: In XX/XX/2017, I opened a secured ( XXXX ) credit card account with a credit limit in the amount of {$1000.00}. On XX/XX/XXXX, Region 's approved a transaction in the amount of {$1300.00} to XXXX Car Rental. This transaction should've been declined as it clearly exceeded my credit limit & I did not owe this amount to the merchant. The merchant contacted me on XX/XX/XXXX at XXXX XXXX and advised that I had a balance due of {$270.00}. XXXX Manager, XXXX XXXX, had no right to steal these funds from my account on XX/XX/XXXX. Region 's was aware that multiple irregular transactions had been entered on XX/XX/XXXX by this same merchant & subsequently had to flag my account as a result, so Region 's should've declined this questionable transaction on XX/XX/XXXX. I have a stellar payment history with Region 's & Region 's failed to protect me from financial recklessness on behalf of this merchant, ( XXXX ). I have never at any time authorized Region 's to pay for services that exceed my available credit limit. Approval of transactions that exceed a customer 's credit limit, against the customer 's wishes should be illegal, what is the point of having a credit limit if that amount can be involuntarily exceeded? This illegal transaction impacted my credit report & score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A