Date Received: 2018-03-22
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Regions has processed debit payments prior to pending electronic check payments. Charged my account a fee claiming insufficient funds after a cash deposit prior to a return on said electronic check. There was no return prior to cash deposit. The payee company has NO returned electronic check as of right now. Regions is taking unlawful fees from customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97008
Submitted Via: Web
Date Sent: 2018-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-21
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/XXXX I signed up for a {$200.00} reward through Regions for opening a new checking account. I could not open the account online and therefore had to go into a branch. On XX/XX/XXXX, I met with XXXX XXXX XXXX to open the account. I provided her a copy of the email and she opened the account. I recall her making a comment about the email having to match the offer. On XX/XX/XXXX I received an alert email from Regions that a change to my email address or telephone number occurred- this was the exact same day the new account was opened. I met all of the qualifications for receiving the {$200.00} as of XX/XX/XXXX. On XX/XX/XXXX I asked about the reward. I was told it could take up to 120 days. I continued asking about this reward until XX/XX/XXXX. I asked several different Regions representatives in person ( see business cards ) and by telephone. I had other issues with the account so each time I discussed the other issues, Id also ask about the Reward. All of these representatives stated that I had to continue waiting, that I would receive the reward, but that it could take the full 120 days. Even XXXX XXXX in XXXX told me this keep waiting, you will receive it. On XX/XX/XXXX however, XXXX XXXX wrote me an email stating that not only was Regions Bank not going to process nor approve my disputed claim regarding a charge for {$330.00}, the Bank also would not be honoring the {$200.00} Reward. He stated this was because the email address I registered with was changed before the incentive payout happened and thatthe terms stated the customer email address must remain unchanged until payout. ( see his emails ) I advised XXXX that I did not change the email address. In fact, the person who opened the account on XX/XX/XXXX would be responsible for the email address information matching-XXXX XXXX XXXX. Ironically I mentioned to XXXX the final time I was in the XXXX branch that I wanted to meet with XXXX but she ran out the back door and in fact every time I came into that branch, she refused to help me. In my short time with Regions Bank, they have refused to file and honor my claim dispute for {$330.00} and NOW they are rescinding their words, their offer for the {$200.00} Reward.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37919
Submitted Via: Web
Date Sent: 2018-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I bought a SUV in late XX/XX/2018. Dealer stated the bank would send me the information and payment information in the mail. On XX/XX/2018 at XXXX, I received a phone call from ( XXXX ) XXXX. I didn't think much about it, scammers and law breakers call me on couple to - few times a week. I will block their numbers and forget about. The next day I was at work, and I punched ( XXXX ) XXXX in to XXXX and Call Note indicated it was XXXX XXXX XXXX ( possibly ). I thought " this is interesting, I am still waiting for the SUV paperwork to arrive ( I was told in a few weeks ), this is the sixth week. I wrote an email to the dealer explaining that I received a possible collection attempt from Regions, and this may be a coincidence, but I have not received any paperwork ( as stated ) yet. I was unaware that I didn ; t send this email, but was still open on my computer, I did send it today, XX/XX/2018 after the call I answered from ( XXXX ) XXXX. It was Regions Bank, told me I was going to collections ; my credit would be damaged. I explained that I never received the paperwork from any bank regarding the SUV. I didn't even know which bank loaned me the money. I expected for Regions to acknowledge the situation and make it right, or at least send me ( email ) the paperwork so I could set up auto pay from one - of the many banks - I use. She then tried to get me to pay her over the phone. This is when the fun began. I informed her that I have no idea who she is, or what scam she is trying to pull. I informed her that If she is indeed with Regions, then Regions appears to be engaged in some kind of scam defrauding innocence people ( at least in my case ) of their hard earned money. I then informed her that XXXX XXXX was recently busted doing something similar. She then began with Regions sent me the paperwork. I informed her that I never received it and do not appreciate being disrespected as some non-paying, jack-legged criminal. I told her I am a hard working U.S. American and have money to pay my bills, I then let out a big Oh Yeah - I have lots O ' money to pay my bills!!! I then proceeded to tell her that Regions needs to fix it business practices, for starters Regions could leave a voice mail explaining that I am about to miss my first payment ( even though there was nothing I could do to prevent this situation - short of Clairvoyance ), or even email me : The SUV dealer and Regions has my phone & email address. This is not acceptable business practice. Like I said - I pay my bills, I have a lot to show for my hard work over the years. My future is very bright. I am an exceptional XXXX XXXX. I informed her that there is an issue with mail theft here in America. I have been a victim. Evidently based on what Region 's is claiming, I am a victim again. There will be a mail theft report to the USPS over this, as well as to the local law enforcement office. There are some " future short legged prison resident '' cruising these roads. A neighbor has reported to me in the past, that they witnessed one of these " a short legged future prison resident ''. They even went on to state that there mother had even trained them to steal mail, looking for bank information/checks, etc - no body works at that house ... .. According to my wife, XXXX XXXX has had to quit sending checks, enticing people ( their clients ) to cash them from money, because criminal were stealing them from mail boxes and forging them ... Anyway I am not impressed with this behavior from Regions bank, I even call Regions around XXXX today to see if this was all legit. The agent would not give me her last name, and was testing me to see if I would slip up and give her some information about the loan. I informed that one that I have not received anything from Region 's and I did not even know which bank the SUV dealer used until today!!! Of course the cat was out of the bag at work, I have XXXX of those voices that carries. I has some " explaining '' to do tomorrow at work. Of course they are not surprised, it is not the first time I have had to defend my good name against the corrupt corporate type ... I asked her if, since now I have determined this situation is pseudo-legit, I could pay with a couple of financial services option - She stated Regions did not accept them. She said I could give her my banking information and she could get it from my account. I told her to email me the payment information, and I would setup an autonomous pay system I use for my properties, vehicles etc. Why is it so hard for Regions to save a member some time? Anyway she informed me if this is not paid by Sunday - Legal action will be taken. I welcome it - if Region 's will not lift a finger to help me resolve this situation - I AM the VICTIM here! Victim of criminals.The story needs to be heard. Acct # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39564
Submitted Via: Web
Date Sent: 2018-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-15
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: In XXXX, the account for myself and my daughter was frozen ( my daughter is XXXX and it is her account, I am just a signer ). We went to the bank to inquire as to why and we were advised that their had been some fraudulent transactions on her account and they needed time to investigate. Since that time we have been there multiple times and have gotten nowhere. Her account is now closed and has been sent to collections, but the lady over the XXXX branch insists that my daughter had to have done it or have some knowledge of how someone got her info. We discovered that there had been multiple fraudulent mobile deposits where they tried to transfer the money out immediately, but it did not work. Her signature or information is not on any of the checks that were supposedly deposited and they continue to tell me that she would have had to have given her login information to her online banking. I explained to them that people 's social media accounts are hacked all the time, without the actual user provided and requested that they conduct a deeper investigation so that she can be excused of the fees that are now in collections. I have been told by 2 different branches that since it is now in collections that their investigation is closed and she just has to " XXXX it up '' and pay the fees. She is XXXX XXXX XXXX with a hit on her credit before she can even get into the real world and I do not feel as though she should pay these fees, since her account was in the positive when all of this started.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 308XX
Submitted Via: Web
Date Sent: 2018-03-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-15
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I made weekly payments to credit card even before the due date yet interest and late fees applied to my account on numerous occasions-see attachments Additionally {$1200.00} never refunded by XXXX XXXX XXXX instead they created another late fee of {$530.00} after I requested to close my account-see file XX/XX/XXXX Now they do admit to a refund but only of $ XXXX-see file XX/XX/XXXX after applying late fees and interest Every time I called a XXXX/Rep mentioned that it takes 6/8 weeks to process yet its only been three months and still waiting for refund
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I went to Regions Bank at XXXX XXXX XXXX XXXX in XXXX, Texas and inquired about a home improvement loan. I told XXXX XXXX that I was just looking at interest rates at that time. I intentionally did not sign or authorize anything or because I did not want a hard inquiry in my credit report nor did she tell me that she was going to. Not only did she do that but she also miss-typed the name of the company I have worked for for 20+ years which added another employer to my profile. The correct spelling and the new miss-spelled one. I reached out to Regions to get this fixed but they just reply with how " I need to fix it ''. I asked them on XX/XX/2018, XX/XX/2018 and XX/XX/2018 and all three times received the same message back from them on the website www.regions.com. With this new " hard '' inquiry, my credit score has dropped to XXXX and it looks like if they don't do something, it will be on my report for at least 2 years. How can they just run my credit without my authorization or at the very least ask me if it was okay?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75702
Submitted Via: Web
Date Sent: 2018-03-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/18 there was a check from a CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX ... which when checking my account I assumed it was from my work ... .it wasnt until I went to the bank to dispute some charges coming out of my account that I was informed of this fraudulent check by XXXX at the XXXX XXXX XXXX they locked up my account without informing me of doing so ... .I got my last check from my job and was unable to cash it at the local grocery store because Regions has put a ding on my social security number ... .financially now I am struggling and I would have thought that Regions would have an obligation to notify IMMEDIATELY
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65203
Submitted Via: Web
Date Sent: 2018-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-08
Issue: Managing an account
Subissue: Deposits or withdrawals
Consumer Complaint: Bank tells me my CD was redeemed in 2001, but refuses to give me any other info such as " by who '', " where '', " exact date ''. I have never redeemed this CD. This comes after the bank telling me they couldn't find any info on my account, even after, what they call, an extensive search. After my first complaint, they suddenly found info on it, but only stated it was redeemed in 2001. Any and all info on MY account should be turned over to me. I am the account holder. I keep getting told to visit local branch for more info, but the local branch keeps telling me they have no more info to give.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2018-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-08
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: XXXX Call said regions bank collection. I work for XXXX I do not owe a debt never applied for any loans within the regions bank. Consistently calls my parents house.
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: 2018-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Due to Regions corporate inability to take care of a dedicated customer such as myself, they have crippled my ability to buy a home for my family. An annual late fee added to a Heloc home set my loan into back pay. A fee they no longer charge customers on heloc loans. I have proven my prompt monthly payments for years, never a day late as it is on autopay, and due to their lack of customer communication they have destroyed my credit. My score was an XXXX when last pulled prior to this incident. Last credit report pulled showed me at an astronomical drop to XXXX, XXXX, and XXXX supplied by the three credit bureaus. Employees at the local port orange bank have stated that there are many problems with my account and online access, and have tried to fight my case to their Regions corporate. They have recently had to reopen my case due to the continued inappropriate care of my account again. I am still not receiving statements, even though I have asked multiple times. They are also not supplying statements on line, nor can the bank pull statements to help me, even with request to the IT department. I have also not received communication via their corporate or customer service call, even though I have requested it multiple times. This all was uncovered when I was surprisingly declined for a home loan. With my 25 % saved up to put down, and not a thought that I had any bad marks on my credit, I was shocked to find out that an account I have religiously paid was the only flaw keeping me from getting my family a new home. The following information will provide intricate details of this issue. This event started with me applying for a loan for my new home and the loan agent telling me due to the issues with Regions bank I could not be given a loanThat is when the phone calls to Regions bank started on XX/XX/XXXX. The first call I was on the phone for 2 hours. I spoke to the mortgage department where the representative, XXXX, stated all she could do to help is remove the last 2 late fees. Then she transferred me to collections and stated they would be the only ones that could help me remove the rest of the late fees dating back to XX/XX/XXXX. I was then transferred to XXXX in collections. I was told she could not help me get these removed that I had to contact customer service. What she did tell me is that to pay on the {$680.00} of accrued back fees to get my account to date. In looking at my account she told me that the issue started in XX/XX/XXXX, with an applied {$50.00} annual fee. She told me that they were sending me statements, which is not true. I have not received a statement in over a year. I did however call regions with an address change 2 years ago which was not portrayed in the system. When talking to one of the departments about this they told me I had to contact 3 departments to have all addresses changed in the system. I asked why I was never emailed or called or in any way alerted to the issue. The collections department stated they sent statements and they do not have to send emails or call as a follow up. I was amazed at the lack of customer concern by Regions, especially for a customer that was consistent on their payments for the entirety of this loan. This call took two hours. Later that day, after my work meeting, I called in and spoke to Customer service representative, XXXX, as directed to do. She then told me I had to speak to the mortgage department again, and transferred me to XXXX. She was not able to help me, and became irritated. I asked to speak to her manager which she transferred me to, XXXX XXXX, team leader. He was not able to tell me anything other than what the other collection agents said, and then became very short tempered and started speaking slang after I asked to speak to his manager to help me rectify this detrimental problem. It was then that he told me I didnt even deserve to have my two late fees removed earlier by his employee XXXX, and that she would be spoken to about it. When I again asked to speak to his superior, he said she wasnt at her desk and asked me if I would like to hold. I held for 20 minutes. He came back to the line and said she still wasnt at her desk, and asked if I wanted to hold again, which I agreed to and was placed on hold for another 25 minutes. When he came back to the line I asked for her name and number because I had to board the plane. This call took almost 3 hours. After getting no help from the phone mortgage team, I decided to go into Regions first thing the following morning on XX/XX/XXXX. The Regions team at XXXX XXXX was very apologetic for the way the Regions team treated me on the phone, and understanding of my spent hours with them and concern that this issue was being dismissed without any help to rectify my credit score and account standing. Making it impossible for me to be approved for a loan for my new home. It was then that I supplied all my statements showing dedicated, always before due date, payments consistently made and proven via on line transactions through XXXX XXXX XXXX since XX/XX/XXXX. Also with proof that I had plenty of funds to pay my loan as well as a down payment for 20 % of the loan I was applying for. I expressed my interest in applying for a loan through Regions for the condo I am trying to purchase for my family home. XXXX XXXX then dug into my case and tried to help me rectify this issue. It was also discovered that my two late fees that were granted credit previously by XXXX were removed after the phone call with XXXX. The mere fact that I have not been contacted other than their said possible attempts by mail does not constitute as Regions said relationship banking for a dedicated client like myself to Regions since XXXX. It was discovered during my visits to Regions that this all occurred due to a {$50.00} annual fee, and that this fee is no longer accessed to loyal customers such as myself for Heloc loans. I went back to the bank on XX/XX/XXXX and was told to pay and get my account back to good standings so corporate would see I had every intention on being a good customer. I paid the XXXX for all late fees and accrued money on the account. I also opened a savings account. I then waited for them to further contact the corporate headquarters. I asked during my visit to make sure my address was correct in the system as I wanted paper statements sent to me. I was assured it was. I have yet to receive a paper statement. I called weekly as well as emailing with no answer back from their corporate. I visited the bank again in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, with no answer back on my account. I then forwarded the situation to XXXX XXXX XXXX, Regions Vice president and Consumer banking manager, on XX/XX/XXXX. She did not reply. I was told in XX/XX/XXXX that my situation did not look promising, but still I received no definitive answer and continued to call with no prevail. On XX/XX/XXXX I received a call from the XXXX XXXX agent. I called back, and they said my account was paid and nothing was wrong. I then received another call on XX/XX/XXXX from the collections department. I spoke to XXXX and she said she didnt know why my number was on the collections list, and that my account isnt overdue. She also noted the payment isnt even due until XX/XX/XXXX, so this made no sense that I was contacted. She also said they had a new dialing system and that it was calling wrong numbers, and mine must be one of the wrong numbers it was dialing. Not trusting Regions bank, I went on my online account, since I still had not received a statement to look at. Online I could not access my statement only my account history, and saw that they put a late fee on my account in XXXX and it increased my payment over the amount I was having deducted monthly from my bank account. The amount I pay is over what was due to add protection and pay my loan off quicker. I was not able to obtain a statement online, so I called XXXX to find out what was going on with my account. She put a ticket in to obtain my statements on XX/XX/XXXX since she could not get them online as well. She still has not received them, and she works for the bank. I went back into the XXXX XXXX branch on XX/XX/XXXX, and sat until I could speak to the XXXX supervisor, XXXX XXXX. He was not able to see what was happening in my account either. I asked him about finding an answer to the initial problem that jeopardized my credit as well as this new issue. I then sent XXXX XXXX XXXX, Regions Vice president and Consumer banking manager an email. I have yet to receive a response from her throughout this entire process, even though I have requested her to contact or meet with me. Since my last visit I have called and emailed twice a week until XXXX was able to bring me in and talk to me on XX/XX/XXXX. He told me corporate said the bank was not at fault and could do nothing to help redeem my credit. He noted my account was past due {$260.00}, which I can not see online and do not receive statements to be able to obtain this information. It is also not showing in Regions system according to the collections team. XXXX was also not able to pull a statement and had to again request it from Regions IT. He verified that they had the right address for me, but that they were not sending me statements, even though my account had been changed to do so multiple times. He also noted that my Heloc loan was not showing on my home page to receive statements or email notifications, even though it had been changed in his system. My account is now in back payment again, and I can not get an answer from Regions Corporate as to why it is. If employees from the institution cant get my statements, how am I supposed to be able to stay on top of this account? It was at this meeting with XXXX that I was finally offered the ability to make variable payments to prevent this from happening in the future. However, if I was receiving statements or notifications, these problems would have never happened. I am signing up for this variable payment to protect myself from Regions. However, this does not correct the damage they have done and continue to do to my account and credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32128
Submitted Via: Web
Date Sent: 2018-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A