Date Received: 2018-03-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX I went in person to a Regions branch to file a dispute associated with my checking account. That representative did not properly file the claim. I called Regions by phone XX/XX/XXXX and spoke to a XXXX XXXX who stated she would reopen the claim and asked me to send additional documents which I did. On XX/XX/XXXX I called to speak with XXXX again but was told she was not there at all that day and she in fact did not reopen the claim. That person claimed HE would reopen the claim. On XX/XX/XXXX I went into a XXXX FL branch and spoke with a XXXX XXXX about my claim. She did not offer any explanation regarding my disputed claim. I asked why ANOTHER {$36.00} fee was added on. She stated it happened due to a transaction for {$1.00} being held back and then put through when there was no or low money in the account. The fees are now up to {$210.00} related to this XXXX XXXX disputed claim in the amount f {$330.00}. My total loss is {$550.00}.
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: 2018-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I continue to incur unnecessary charges to my account. I have been attempting to have thee named fees returned and the bank refuses when most of them aren't valid and the other half are mistakes that need correcting. I need help resolving this issue prior to closing my account. I do not have funds to simply " throw away ''. Please advise, I await a reply.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77388
Submitted Via: Web
Date Sent: 2018-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: An account is appearing on my credit report that is not mine. It is listed from " Regions BK/ XXXX XXXX and has a balance of {$5900.00}. I have no connection to this bank, have never taken out a loan or credit line from them, have never received billing from them, and have never paid them. This account is fraudulent and needs to be removed from my credit report.
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: 2018-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-01
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I didn't make these charges. Please advise. Here is the list : XX/XX/XXXX OTHER BANK ATM WITHDRAWAL FEE {$2.00} XX/XX/XXXX OTHER BANK ATM BALANCE {$2.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$89.00} XX/XX/XXXX OTHER BANK ATM WITHDRAWAL FEE {$2.00} XX/XX/XXXX OTHER BANK ATM WITHDRAWAL FEE {$2.00} XX/XX/XXXX OTHER BANK ATM BALANCE {$2.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$190.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX OTHER BANK ATM BALANCE {$2.00} XX/XX/XXXX OTHER BANK ATM WITHDRAWAL FEE {$2.00} XX/XX/XXXX OTHER BANK ATM WITHDRAWAL FEE {$2.00} XX/XX/XXXX OTHER BANK ATM BALANCE {$2.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$280.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2018-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-26
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: We utilize Regions online Bill Pay, and made a payment to XXXX XXXX XXXX XXXX on XX/XX/XXXX for an RV loan. In XX/XX/XXXX, Regions put the payment amount of {$670.00} back into our account because XXXX XXXX XXXX XXXX never cashed the payment. We have not been able to get an answer from XXXX XXXX XXXX XXXX as to why they did not accept the payment. We did not catch the redeposit transaction until working up the taxes this year. We did not get any notice from XXXX XXXX XXXX of a past due amount, and when I called to inquire, was told it was my fault because I did not notify them of an address change. However, I receive a monthly reminder through email that would constitute a point of contact, but XXXX XXXX XXXX chose to ignore that, and churn the account with late fees. I contacted Regions about my bill pay account to get documentation so that I could prove I made the payment, that is when I found out about the redeposit in XX/XX/XXXX. Because XXXX XXXX XXXX did not cash the payment, Regions could not provide the documentation, nor could they provide documentation of our checking account more than 6 months in arrears. They sent a letter to XXXX XXXX XXXX XXXX, which I believe XXXX XXXX XXXX XXXX ignored. The letter is attached. I MADE THE PAYMENT IN GOOD FAITH, but made the mistake of relying on the online banking system for documentation, which there really isn't any after 6 months. Please address this issue, I am a business owner, and about to change ALL my correspondence back to paper copies and forget online banking.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33950
Submitted Via: Web
Date Sent: 2018-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Sent Regions Bank XX/XX/XXXX informing them that my ex-husband XXXX XXXX filed bankruptcy XX/XX/XXXX furthermore the court has entered an order of discharge releasing him from all debts. Nevertheless, Regions placed debit on all three credit reports. I requested them to remove debit from my credit file per bankruptcy on XXXX XXXX credit file original account holder. Contacted all three credit reporting companies XX/XX/XXXX and XX/XX/XXXX to file disputes, however they did not remove item from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32533
Submitted Via: Web
Date Sent: 2018-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-19
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: We have been harassed by phone calls from Regions Bank Collection department in regards to closing our accounts. We sent a letter on XX/XX/XXXX to XXXX XXXX, Quality Performance Management with return of both ATM cards stopping all bill payments and all automatic merchants ' debits from our accounts, and ask the account to be close. This bank has called us over a half dozen times stating that we owe them {$140.00} in fees. We owe them nothing, they took close to {$400.00} out of our direct deposit because they failed to place a stop payment on XX/XX/XXXX, and did not perform the transaction until 10-12 days later. A stop payment request should have been done no more than 3-4 days according to their bank policy. They charge us fees after fees, returned some payments when the account went in total disarray because of their negligence. Now they are threatening us with collection for bank fees and keeps on calling us by phone, sometimes 2-3 times a day each week.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-02-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-17
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: In XX/XX/2008, I discovered that Regions Bank opened an account for another person in Arkansas using my social security number. I tried to correct this issue and the issue was not resolved. I closed my account with the bank however, received no confirmation of the other account being corrected.
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: 2018-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-17
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I opened a secured credit card account with Regions in XX/XX/2017 at the XXXX XXXX branch in XXXX, Alabama. The representative was XXXX XXXX. I advised XXXX XXXX that for security reasons, I wanted the new card to go to my XXXX XXXXXXXX as I've experienced difficulty receiving mail at my residence. XXXX XXXX advised that it had to go to my residential address instead, so the card never came. I asked XXXX XXXX how long would it take for the card to be issued & she could not provide a turn around time whatsoever. I even made requests to have the card personalized ( for added protection ) & she refused. I asked for special handling ( XXXXXXXX, etc ) upon completion of the processing & she refused that, also. As a matter of fact she took the time out of this application process to comment on how her & *her* husband lived in a rented house for 3 years & paid {$750.00} for rent & then she said, " I mean {$720.00} & we wasted almost {$9000.00} per year in rent instead of home-ownership. Her comment was unsolicited, inappropriate & was tailor made to my husband & I as we rented a home for exactly 3 years & paid {$720.00}. I am a victim of whistle-blower reprisal & I recognize these types of comments as they've been made by retailers before as a form of verbal harassment. I am contacting CFPB in regards to the fact that my card was sent overnight to XXXX, Indiana in XXXX after repeated calls & inquiries to XXXX XXXX, but when the card arrived, XXXX XXXX had a fraud alert placed on the card, so upon activation, the card did NOT work. XXXX knew that she was speaking to me because I provided information that only I could provide. She claimed she was getting the hold/block lifted but I've only been able to use the card once & I've been declined at various merchants including XXXX. XXXX XXXX repeatedly asked me when I was returning to XXXX as if I had no right to visit family in another state. Her repeated interference is a violation of my civil rights & I would like to have these fraud alerts removed once and for all. Her actions are willful. She is skilled at playing dumb, but is well-aware of the damage & repeated harassment. I opened the card account for credit purposes, but her malicious acts are adversely impacting my ability to use the card and to make timely/early payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-14
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I received a SBA sponsored loan from Regions Bank in XXXX. The original amount was {$210000.00}. In XXXX I requested a loan payoff since the loan was attached to my home. I was selling my home and I needed to payoff the commercial loan. Once I received the payoff, Regions placed {$6700.00} in forced insurance premiums on the loan. I had this loan for 10 years and I had insurance the entire time during this time. I was not notified of the forced insurance. It did not show up on my loan, my monthly statement, my online account or any other bank item to even know that this existed. I was not mailed anything. I was not sent insurance policies or any other insurance information. I have never been provided the polices to review or even if they existed. When I inquired about getting it removed, I was instructed to email the proof of insurance to a email XXXX. They originally asked for business liability proof of insurance. I sent it. They then asked flood insurance. I told them I was not required to have flood insurance from my landlord. They then asked for business content proof of insurance. I sent that as well. I felt like they were making up things for me to get them until I could no longer produce the documents. I sent all of the documents. I thought this would be a pretty easy process since I had insurance the entire 10 years. They then stated that the polices I sent them were not worded or titled correctly and they were not going to remove the {$6700.00} in forced insurance. From my research it looks like they applied forced insurance during years XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX but not in XX/XX/XXXX, XXXX or in years XX/XX/XXXX-XX/XX/XXXX. Regions Bank has refused to refund my money. They stated that the policies were not correctly titled to their liking. The insurance policies in XX/XX/XXXX-XX/XX/XXXX were no different than the polices from XX/XX/XXXX-XX/XX/XXXX. This is clearly an attempt to stall, delay, find technicalities or some other reason not to refund my money. This practice of creating fake insurance and then failing to notify the loan holder should be illegal and is basically extortion. I could not close of the sale of my home until it was paid. I pushed the closing back 4 times in order to give Regions time to make this right. They refused and I was forced to pay off the {$67000.00} in illegally obtained forced insurance out of the sale proceeds from my home. I have two major issues with this situation. First, I was not notified fo the forced insurance. It did not show up on statements, online documents, monthly payments or any other item from the bank. They put this fee on my loan for three years ( then stopped the insurance ) without my knowledge. Secondly, when I provided them proof of insurance, they asked for the insurance to be in at least 5 different formats. They asked for three different types of insurance and the policies to read in 3 different ways. I would like to see the policies they claim to have gotten on my behalf and I assure you they dont have the three types they made me provide ( which I did ). I appreciate you helping me resolve this situation of a consumer being extorted by a XXXX dollar bank. Thanks! XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33596
Submitted Via: Web
Date Sent: 2018-02-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A