Date Received: 2018-05-11
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I am the sole, legal representative of my deceased mother 's estate. My mother died on XX/XX/XXXX. I submitted a death certificate, XXXX, a copy of her WILL, and all of the XXXX XXXX XXXX XXXX 's documentation that the WILL had been properly probated and is closed. I am also the co-owner on her checking account. The branch lost my paperwork. I resubmitted paperwork on XX/XX/XXXX to Regions Bank, XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The branch refuses to release funds or change the name legally on my account and has illegally locked my account. Instead of acknowledging their mistakes, they are requiring me to reopen the estate, despite having a all legal documentation. This bank has done nothing to resolve the issue. I am afraid this could happen to other consumers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30047
Submitted Via: Web
Date Sent: 2018-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-10
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: PROBLEM 1 : XX/XX/XXXX - I spoke to a Regions representative from the Regions Everyday Customer Service Line. I advised her that I had made several purchases since Thursday XX/XX/XXXX to Sunday XX/XX/XXXX. I kept record for every transaction. When I checked my mobile app before calling her it said I had {$2.00}. Which is true, that should have been the ending balance to cover all transactions. I realized Monday that I had forgot to pay my XXXX XXXX XXXX cable bill and they suspended my services. I knew I got direct deposit so I decided to pay using my overdraft protection since I was opt in and cover the the amount of {$120.00}?? plus {$36.00} when my direct deposit hit. I had money in two other Regions account that could have covered the cable bill, but I want that money on hand in case an emergency arose before direct deposit payday. Before I paid XXXX XXXX XXXX I called and the Representative advised me that my balance was {$2.00} and all transactions were pending and accounted for. SO THAT IS THE ONLY REASON I PAID THE XXXX XXXX XXXX BILL BECAUSE I WAS LED TO BELIEVE THAT THAT WAS THE ONLY TRANSACTION THAT WILL HAVE A NSF FEE. I woke up the next morning to XX/XX/XXXX to $ -XXXX.???? PROBLEM 2 : i immediatley called the everyday banking number and got a Rep on the line after to explaining my side. She advised me when I paid the XXXX XXXX XXXX bill all the other transactions before that went into overdraft mode. I requested a Manager. She said she will give message and to watch my account at the end of the day to see if it had been and adjusted and credited. If not, there is nothing they can do for me. I called the number again and demanded a Supervisor. I got one on the phone and he only adjusted {$36.00}. PROBLEM 3 : While he adjusted the {$36.00} he failed to let me know I needed to cover the negative balance in my account because once the XXXX XXXX XXXX and XXXX XXXX go through it will add more overdraft fees. I would have done that if I knew to being as though I had money in other accounts to cover this. The result of him not informing me let me to wake up to a $ -XX/XX/XXXX.?? balance. I called the everyday line again demanded to speak with another Supervisor who tried to INFORM ME OF REGULATIONS, BUT THAT IS A LITTLE TO LATE THE PREVIOUS EMPLOYEES DID NOT. THEY ARE THE REASONS MY ACCOUNT IS OVERDRAFT MORE THAN IT SHOULD BE!!!!!!!!!!! I AM XXXX AND I WANT TO CHANGE BANKS. AND I WANT MY ACCOUNT ADJUSTED TO THE $ - XX/XX/XXXX PLUS $ XX/XX/XXXX= $ -XX/XX/XXXXNOT $ -XX/XX/XXXX.?? My account was unfairly handled, mishandled, and robbery of obsessive nsf funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39501
Submitted Via: Web
Date Sent: 2018-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-07
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: Regions bank have created a record on our company that has made almost impossible to apply for a new bank account. We had been with Regions Bank for around 12 years and two years ago we decided to move elsewhere since they were manipulation our deposits so to create lots of fees for themselves. After we had the account closed they went ahead and file a complaint through some sort of XXXX XXXX XXXX saying that we owed them {$530.00}. We have asked them for the transaction and have had nothing but rudeness and bad faith attitude with us. We tried to go to the Federal Reserve of XXXX where this part of the banking system have sent a response letter to us with no signature no name or reference number and would never pick up their telephone calls. Region will tell you that they have already sent us the transaction while in fact its just a typed letter by telling how much we owe them. XXXX XXXX XXXX was the one who promised the official transcript to us and when I tried to call she was no longer with the bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33935
Submitted Via: Web
Date Sent: 2018-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-03
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: To whom it may concern, Over the past few months since the account was opened in XX/XX/XXXX. Regions has not only charged me over {$180.00} in overdraft fees caused by disputes they refuse to actually investigate. The bank also refuses to refund the fraud that occurred in XX/XX/XXXX and XX/XX/2018. I noticed these fraudulent charges on that were multiple duplicates for XXXX XXXX, A XXXX XXXX Bank ATM withdraw for {$400.00} and several other charges including one for XXXX. These charges all occurred after I lost my card, and then it was stolen. I locked it promptly. Called up their XXXX number, was told by the customer service agent, and the manager that they cant assist over the phone. Even though I explained in detail. After this I got online sent a secure message which took them two weeks to respond. I signed an affidavit. They never even investigated. Never placed temporary credits. Regions then proceeds to tell me that I authorized all of these. When I called to ask for proof because I know I did not, they said send them a police report or there is nothing they can do. This is crazy. XXXX XXXX would have gotten on top of the fraud and refunded me. Regions didnt even attempt to investigate and instead just assumes I should be liable. This is very upsetting and I have tried contacting them numerous times without resolution. Second issue is I have noticed this month a couple of charges keep appearing twice. I have notified them of this as well to submit a dispute. They also refuse to investigate this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75082
Submitted Via: Web
Date Sent: 2018-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Paid account off with Regions. Now months later they are charging me a {$50.00} fee plus late charges on a paid account with no credit available. Account should be closed but they continue to keep it open.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38141
Submitted Via: Web
Date Sent: 2018-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I requested a mortgage modification with XXXX XXXX, the modification request has been processed and I received the documents for the Trial period Loss Mitigation option. The modification documents have my ex-wife name on them and they are also requiring her signature, XXXX XXXX was Quit claim deed off the property XX/XX/2016. The mortgage loan was obtained in my name only. I can't sign these documents because they are incorrect and they include her name. If my ex-wife signs these documents it will add her to the mortgage loan and Title, Regions will record the modification agreement adding her name to they are of which of which she wasn't ever on the 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: 2018-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-25
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Regions Bank : On XX/XX/XXXX I inquired by phone if physician mortgage program existed at Regions bank in state of Utah. The loan officer assured me it was and went over the program details. I provided my personal information for application. The loan officer did not return my call on XX/XX/XXXX. After again reaching out to the bank on Mon. XX/XX/XXXX the same loan officer, after pulling my credit informed me that the program discussed, and authorized for credit check, does in fact not exist. Was told I could not speak to a manager.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44118
Submitted Via: Web
Date Sent: 2018-04-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-25
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened an account with Regions Bank XX/XX/XXXX, after taking my time considering what bank to bank with. Regions was offering a new account incentive. So I went ahead and choose to open an account online. As I was opening this account I was also chatting with a Regions representative, that was very helpful. During this process I advised the chat rep that it was not giving me an email verification that he stated would to get the offer. I was being taken to another tab and the window wasn't opening. I screen shot this and printed it. He then advised me to not to worry, that I would have to go into the Branch to finish the new account to print the convo and explain, the branch would be better to help assist. So I did this, I also had to go thru 3 days of verification for them to approve me new account, I honestly found this frustrating. Upon completing this I gave the convo to the bank rep and explained what happen, she advised she would send this over to the lady who is verifying my account and speak with branch manager and let me know. I have been doing this since XX/XX/XXXX. The rep who helped with me at the Branch is named XXXX, XXXX branch in XXXX XXXX, Fl. I asked for info and update on the promo she asked me if is did steps I stated yes and she never responded back to me. I stepped into the Branch last week and was advised to call the XXXX #, I did. I was advised by two people that I have met all the verifications and steps needed and transferred me to a department to see where this promo was and when should I receive it. I then spoke to XXXX, very nice person. She saw everything to but was unable to see the verification code, I explained to her what happen, she advised this should be simple and she would reach out to the branch and for me to follow up. I followed up XX/XX/XXXX and spoke with a gentleman and explained to him everything and he read notes to then tell me verification code could not be verified so unable to process due to marketing. I said are you kidding me, went on to explain I have been dealing with this since XX/XX/XXXX and I did everything I was told to come to this. I even said at the Branch to XXXX if there is going to be a problem do not finish the new account, start over so I don't miss out on the promo, for her to say no its fine there should be no issue. Now the issue I miss out on an offer because no one took the time to make sure I wouldn't. I then went on to why offer something that Regions is not going to own up to, was there even a promo. He stated I presented something from last XX/XX/XXXX and he see where I also couldn't get the verification code for the new offer XX/XX/XXXX. I said that rights, XX/XX/XXXXwas expired since XX/XX/XXXX, cant use that. XX/XX/XXXX is good till XX/XX/XXXX, please fix this, and he couldn't. So I am disappointed that I have gone this long and no one can help. I met all the points to get this and was open about the issue I had opening this account from the beginning. I am requesting to have this looked at and respectfully honor the promo I was suppose to receive. If this cant be done, I may close my account, as this makes me feel Regions doesn't not do quality business.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2018-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-23
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I made a deposit of 4 money orders, with {$390.00} each over the counter on XX/XX/XXXX ( Saturday ) at the Regions XXXX XXXX branch, XXXX GA XXXX. However, on XX/XX/XXXX it was showing one money order was declined and only three were deposited and posted onto my account. I went to the branch, asking for the reason. A lady with manager title gave me a Refer to maker notice and asked me to contact the money order issuer, XXXX XXXX to see whats going on. She refused to start an investigation. I spent a lot of time and paid to request a customer trail research document, and it came back saying it was declined because the money order was presented by the same bank more than one time on the same day and it was paid off upon the first attempt. It must have been the clerk who tried to cash it made a mistake. I went back to the XXXX XXXX on XX/XX/XXXX. Someone helped to find the image of the declined check was duplicated in the system, which means another money order was not scanned and cashed. If the previous manager would pay a little more effort to go through the scanned images on my first visit, I wouldnt have spent so much effort and suffered from the stress of losing my money, and I wouldn't have paid just to prove that it is a fault of some one at the Regions XXXX XXXX branch
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30324
Submitted Via: Web
Date Sent: 2018-04-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-21
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I was a first time home buyer with very limited knowledge on the many variables of buying a home so all my trust and guidance came from the professionals. My mortgage loan originator XXXX XXXX XXXX # XXXX was amazing in guiding me throughout this journey but made a costly ( for me ) mistake. While we were going through the process to finalize on a home I noticed on a cost estimate that she sent me was significantly higher than what we originally agreed upon. I immediately emailed her asking for an explanation to which she called me on her personal cell to assist. She explained that the previous owner did not have the home listed as homestead so the property taxes were at that time double. I grew very apprehensive and was going to back out of the deal but she assured me this was an easily resolvable matter. At that time she explained to me that all I had to do was simply file for homestead once I purchased the home and send regions mortgage servicing department that documentation ; by doing so my taxes would immediately be adjusted to to reflect half the amount it was currently showing. Regions serving department would then adjust my loan payment and refund me all funds that were paid in excess due to the taxes being doubled. She explained this process may take up to three months but I could expect for my payment to be reduce well before that year was out. I asked her at least three more times on different occasions to confirm what she told me and each time she said the same. My realtor will attest to the fact she witnessed XXXX verbally tell me that my taxes would be adjusted in XXXX and I would be for reimbursed over payment. I closed on my home XX/XX/XXXX. The day after I moved in I went to my county tax assessor, filed homestead and faxed that documentation over to expedite the process. After waiting several weeks with no response I reached out to Regions for a follow up and was told that document provided nothing for them to adjust my rate and that they needed a form with " numbers ''. I asked for a clearer explanation for what they needed but was not provided any assistance. I called several more times throughout XXXX speaking to several different reps and each time no assistance was provided. I was spoken to like I was ignorant when in fact I was just very misled. Each time I spoke to an agent they assured me once I submitted a form with my new tax number on it I would be reimbursed for the double tax that I had been paying all of XXXX. It wasn't until XXXX when the county reassessed taxes that I was given a new number to send in. I faxed that over to Regions XX/XX/XXXX and asked when I could expect my refund for the previous year and it wasn't until then that their story changed. It was finally explained to me how property taxes work and how the rate at the time of closing was accurate and I would not receive a new tax rate until the county analyzes once a year. There is no way I would have agreed to this home knowing that I would have to go a full year paying doubled taxes. I spoke to a manger, filed a formal complaint explaining where the initial miscommunication from my loan originator caused me a major financial burden. They found no fault in their representative but instead insisted that fault was in my comprehension. They made no attempt to understand how I was misled. I knew not to question what I was told because like I stated this was a first time experience for me. The entire time I was speaking to the representative to gain a resolution she over talked me and kept re-explaining the process of property taxes. The issue is simple : had the loan originator clearly explained the process in the beginning and not lead me to believe that my monthly rate would be adjusted in XXXX to reflect me filing homestead I would not be out of almost {$800.00}. At the time of closing in XXXX the property taxes were {$1800.00}. When the taxes were reanalyzed for XXXX they are adjusted to XXXX. When I closed on my home, my monthly mortgage payment was {$1000.00} and was adjusted in XX/XX/XXXX to {$940.00}. That is a difference for {$79.00}. Consider that I payed that amount fromXX/XX/XXXX-XX/XX/XXXX that is {$790.00} that I fully expected to receive back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35022
Submitted Via: Web
Date Sent: 2018-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A