Date Received: 2018-07-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was involved in an Inquiry Issue with XXXX and the Inquiries don't belong to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2018-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-29
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On XX/XX/2018 I made several small purchases using my debit card. The next day I checked my account and they had charged me XXXX in OD charges. On XX/XX/XXXX after trying to resolve this myself I went to the bank and they refunded XXXX of OD charges. On the same day I locked my account and reported to them that some charges were unauthorized on XXXX, XXXX and XXXX but that didnt stop them. To my knowledge they have stolen over XXXX from me. I am on Social Security and I am worried about my check that will be deposited on XX/XX/XXXX. I dont know where to begin but these people need to be stopped.
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: 2018-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-25
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/2018 I realized that I had a debit that was pending that would cause my account to be negative it showed the account was negative XXXX all other transactions were already pending and had been deducted from my balance. Within minutes of realizing this I immediately transferred funds from another regions account to put my account back into the positive and actually made sure I had at least XXXX or more so I didn't have a lose balance. Regions has said on many occasions that transactions are posted at midnight this was XXXX when all this took place so there was plenty of money to cover the negative XXXX. At midnight on the XXXX the account was not in the negative it had money to cover everything but I was still charged an overdraft fee on the XXXX now what is the point of having another account to transfer money from if your still going to charge an overdraft fee even though the money was in the account? This makes no sense there is no point in offering transfers if it does no good and regions still takes what they want anyway. I've read over XXXX complaints for this exact thing happening with regions at what point is the scamming going to stop. I'm to the point that it maybe time to find a more honest bank who conducts business the honest way. This isn't the first time this has happened after the last I told my wife I would handle all banking just to see for myself what was going and was appauled to see that they are actually doing this to customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XX/XX/XXXX after XXXX County Florida was declared a natural disaster from Hurricane Irma we reached out to our Mortgage Company XXXX XXXX to see what our options were as were not sure to the extent of the damages and how much it would cost us. I called XXXX XXXX and spoke to Representative XXXX and she stated that the Forbearance would be for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no late charges and payment would begin back in XX/XX/XXXX. We also at that time would have to make a decision ( in XX/XX/XXXX ) to do a payment modification on months in forbearance or pay those months back that was in forbearance ; per conversation with Representative XXXX. On XX/XX/XXXX we received a letter from XXXX XXXX confirming the forbearance for Hurricane Irma. We paid {$3500.00} on XX/XX/XXXX with customer service Rep confirmation # XXXX as we no longer needed the forbearance and didn't use that mortgage payment money therefore we simply paid the months that were in forbearance. On XX/XX/XXXX we received a post in the mail dated XX/XX/XXXX from XXXX XXXX stating they have reported us late to the credit bureau about a late or missed payment. I called on XX/XX/XXXX at XXXX spoke to XXXX a customer service representative asking what payment was late. He stated XX/XX/XXXX on. I told him we were in forbearance at the time due to hurricane Irma and he confirmed this, apologized, stated their mistake and would research it and get back with me. That was two weeks ago, I still have no response from the mortgage company or that our credit reports were fixed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33884
Submitted Via: Web
Date Sent: 2018-06-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX I have received a Annual Escrow Account Disclosure Statement, which I normally receive in XX/XX/XXXX of each, it stated I have Escrow shortage. I called Regions as I know I pay monthy and send extra funds to be applied to my Principal and extra to my Escrow account every month to be sure there is always enough money in my account to cover my taxes and Insurance. I have had a shortage in past due to my home value going up. Last XX/XX/XXXX I received a check for {$730.00} from Regions and when I call I was assured that my taxes and insurance were both paid for the year that the {$730.00} was extra funds which they could not keep on my account. I spoke to Supervisor XXXX who states there had been a mistake Regions were suppose to make TWO payments to XXXX XXXX but instead only paid the one. I inquired why I was just being notified and she stated she was not sure. I also noted that the extra funds I had been sending in was not being applied to my Principal and Escrow as I requested on their payment coupons they send me monthly. I have been trying to work with Regions to get this resolved but they do not return phone calls when promised and I have to keep calling. Most recently I spoke to a supervisors XXXX, supervisor XXXX on XX/XX/XXXX, and she promised that she would make sure the matter is resolved and my account is corrected and she promised to be in touch with my by XX/XX/XXXX. I have not heard anything back. Except I have received several letter stating that they are still working on the matter and would be back with me soon, signed by XXXX. Those are not attached as I left them at home but I did save them. NOW, I received a Mortgage Statement dated XXXX that shows a supposed {$410.00} Delinquent amount with a threating statement about foreclosure. And it shows where they have been moving funds around on my account. I received another statement the same day, dated XX/XX/XXXX that shows the amount of my payment that is due for XXXX as {$750.00}. I am VERY upset. I have paid more the minimal amount on my statements every month, so how can I be behind. This is Regions error and I feel they are failing to admit their mistake and correct the error on my account and making things worst by not communicating. I have requested a copy of my loan payment and ledger be sent to me and a call or face to face to discuss and resolve the matter, neither which had happened. PLEASE I NEED HELP TO RESOLVE. Lastly, I have excellent credit and I want something in writing from Regions that their false claim of me being delinquent has NOT AND WILL NOT FASLY BE REPORTED TO THE CREDIT BUREAUS. Please see all the attached documents. Feel free to contact me anytime.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30032
Submitted Via: Web
Date Sent: 2018-06-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-14
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/XXXX I had a balance of $ XXXX.A check for {$32.00} was cashed causing an overdraft of - $ XXXX.My account was charged a {$36.00} overdraft fee causing a negative balance - $ XXXX.I called the bank and they refused to reverse it! The fee is 7 times more than the negative amount! On XX/XX/XXXX I had a balance of {$49.00} two checks came in one for {$30.00} and one for $ XXXX.The bank put the {$93.00} first and the {$30.00} second causing 2 overdraft fees for $ XXXX.If the put the {$30.00} first I would have only paid one fee! I admit I overlooked the first check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2018-06-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-12
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: We discovered two fraudulent charges on our XXXX credit card statement. I contacted the credit card company, and they had me file a dispute by filling out a form and faxing to them which I did on XX/XX/. Several months passed and we had not gotten any response nor credit on our account. I contacted the credit card company once again and was told that to email the dispute foam which I did on XX/XX/XXXX. As of XX/XX/XXXX I still have not gotten a response nor a credit. I tried calling the company directly and was transfer to the fraud department, and I was instructed to leave a voicemail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55343
Submitted Via: Web
Date Sent: 2018-06-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-09
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: There is a discrepancy with the fees that are charged for mobile check deposits by Regions Bank. On XX/XX/XXXX I deposited a check for {$400.00} ( requested immediate availability ) and was charged {$5.00}. On XX/XX/XXXX I deposited a check for {$400.00} ( requested immediate availability ) and was charged {$16.00}. On XX/XX/XXXX I deposited a check for {$400.00} ( requested immediate availability ) and was charged {$5.00}. On XX/XX/XXXX I deposited a check for {$550.00} ( requested immediate availability ) and was charged {$5.00}. Regions Mobile App reads " Available immediately - 1-4 % of the amount of each check, depending on check type and amount ( {$5.00} minimum fee applies ). The check type **PAYROLL qualifies for the 1 % Fee or {$5.00} ( whichever is greater ). For the past 32 months ( approximately ) I have deposited the same payroll check into my bank account weekly and have been assessed charges from {$12.00} - {$18.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2018-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-07
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have had my account for several years now with Regions. Anytime I had an charge that I did not have any money for or enough money, the bank would just pay it. I had to pay the bank and the overdraft fee. Now the bank has reversed a charge from my bank account, knowing that I have opted in for overdraft fee. A couple of times, I have seen charges over {$200.00} for an overdraft fee which I assumed was excessive. But I paid it. Now the charge that they reversed may get me kicked out of school because it was due on the 1st and my check will post tomorrow in the account. But I have to scramble to pay this so that I will not have to pay twice the amount for my tuition. Do the bank have the right to reverse this charge even though I signed up for overdraft? Please advise.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33916
Submitted Via: Web
Date Sent: 2018-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-05
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: Regions Bank has repeatedly charged overdraft fees for charges that are pending and have not been drafted from my account. I am attaching a screenshot of my account. I had a balance in my account and several pending charges that had not cleared my account yet. An overdraft charge was charged to my account which resulted in a negative balance. The money is there for the pending charges, so I was charged an overdraft fee for charges that could possibly result in an overdraft but have not cleared the account or been charged to the account yet. I don't feel overdraft fees should be charged until pending items have actually cleared or posted to the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39443
Submitted Via: Web
Date Sent: 2018-06-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A