Date Received: 2018-02-15
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XXXX had automatic payment agreement with me to deduct {$500.00} from my account in XX/XX/XXXX and XX/XX/XXXX and then XX/XX/XXXX they charged me the wrong amount of {$600.00} which caused my business to have 3 overdraft fees. I emailed them on XX/XX/XXXX as well as XX/XX/XXXX which was the original method of setting up this agreement and told them of the problem and to STOP ACH withdrawals immediately. I disputed with my bank and retrieved my money. They never responded to these emails even though they did with no issues setting up the payment arrangement. On XX/XX/XXXX they once again charged me {$600.00} even though I had sent in writing to the department that set up the original agreement and cancelled authorization to ACH withdrawals. I want my {$600.00} returned to my bank account ASAP. I disputed with my bank and this company lied and said they had permission to debit my account. The account is under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-13
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I made transactions with Regions bank initially involving XXXX. Suddenly I was processed with international fees. This is banking fraud because I didn't authorize by debit card for these transactions but my information was passed along to the consumer groups. This is agreed upon an extra payment fee due to the Regions terms of service agreement that I disclosed when I opened my account initially. My money was sent to XXXX, XXXX, and XXXX but I never received my product, goods, nor service. Why are adults allowed to take my money and prosecute myself for misdemeanors but I never receive a docket number for my case. An open dispute resolution was actively closed by a bank teller when my account became negative in funds. I was a victim of a violent shooting in college and never received my diploma because I didn't get to graduate. This is not fair because I am an adult and can not earn fair wages. I keep paying my money and my debt to society but I am treated unfairly. If I knew that Regions was going to waste my money then I never would have done any of this! This is very frustrating. I am still being charged ATM fees, and monthly service fees, but I can not access any more cash! There should be a communication at least when my account is escalated to include extra fees. Or if there is a delay in my transaction then the consumer response should include a third party or myself directly. Either by telephone, email, or fax.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75229
Submitted Via: Web
Date Sent: 2018-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-11
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: On or about XX/XX/2018 I reported a error to XXXX. They started a dispute and said they could not remove the report and had to do it manually stil no answer. I called Regions and had a letter in my hand within a 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: 2018-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Regions Mortgage home loan balance as of XX/XX/XXXX : {$190000.00} Property valuve per XX/XX/XXXX appraisals : {$250000.00} PMI is scheduled to be removed : XX/XX/XXXX ( under assumption that no additional principle payments ) I paid additional payments in last few months and made current balance {$190000.00} less than 78 % of property value. I sent a secured written request to mortgage company to cancel PMI as loan balance is less than 78 % of property value. The mortgage company insists that PMI will be automatically terminated as per original schedule which is XX/XX/XXXX. Am I not eligible for automatic PMI termination now as ( I paid additional payment and ) loan balance is less than 78 % of property value?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60490
Submitted Via: Web
Date Sent: 2018-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I Am Requesting An Itemized And Audit Report On My Account With XXXX XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX Because The Fund's That I Have Paid Is Not accounted For And My Account Balance Is Not Accurate
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 381XX
Submitted Via: Web
Date Sent: 2018-02-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Regions bank in XXXX, Louisiana. Withdrew {$40.00} from atm. ATM gave me {$40.00}. When I looked at bank app on phone it said I withdrew {$400.00}. Called bank and they said they acknowledged error and if was not corrected within a couple of days then I should call back. A couple of days later I called and bank told me I was being charged {$400.00} because I withdrew {$400.00}. They said that i was wrong and that there was nothing they could do for me. Because of all this my account was overdrawn and I have been charged an additional {$35.00} for overdraft fee. Have called several times trying to explain that the first time I called they said they saw error and were going to fix it. They have told me they admitted no such thing and that I am making this up. They still want their overdraft and overdraft fee paid. Refuse to pay even more because of their error. Account is now closed will never use regions bank again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70460
Submitted Via: Web
Date Sent: 2018-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-31
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Our account was overdrawn XXXX by regions. I check my account Daily via mobile app and online website. I checked my account on Monday XX/XX/XXXX and I had a low balance but was not in the negative with no pending transactions shown. Showed that I had two transactions for XXXX purchases that had already posted and cleared at that time. Fast forward to the next day and I had a check come in that I didn't have enough to cover perfectly fine I would take that XXXX fee. Then suddenly the two previous debit transactions go back into pending and bam two more NSF fee then I had enough deposited to cover the one check and NSF until they decided to charge me even more NSF because of a transaction that was done prior to the overdraft occurring in the end I'm out XXXX in NSF with a XXXX child at home requiring medical equipment and my lights will be cut off at XXXX XXXX today. When I called regions I was told that transactions maybe held 3 business days in pending then they can be placed back in your available balance and can be reposted for up to 180 days after. I was never informed of this and also was never informed that I could opt out of overdraft on debit transactions only we were told you could only opt out if you choose both debit and check Transactions be declined for overdraft protection. Regions is robbing the poor blind and they have no remorse they don't care that innocent children will be sleeping in the cold tonight with temps below freezing as long as they make millions off of people. I don't understand how this is even legal to allow transactions to post how they see fit to gain a dollar rather post in the order the items were done. Do not bank with regions unless your ready to go bankrupt. They even took donations for my son for his XXXX XXXX that was deposited to my account for NSF fee 's.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70706
Submitted Via: Web
Date Sent: 2018-01-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-31
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened an account with Regions bank on XX/XX/2017 after receiving a promotional offer in the mail of a {$400.00} bonus after signing up for online statements, and making 10 purchases within 60 days. This was all confirmed to me by the representative that opened my account by phone. He said the {$400.00} would post within 120 days after account has been opened. Regions is now offering the same promotion but has reduced the 10 debit purchases to 30 days. The person that opened my account made did not make mention of that and told me directly I had 60 DAYS. Which was the promotional advertisement by Regions, for 60 days. Regions is denying me the {$400.00} bonus saying I did not post 10 transactions with 30 days, even though their very own representative told me I had 60 days!!
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: 2018-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-31
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Received my bill on XX/XX/18 and noticed a " Late Fee on Previous Invoice '' charged {$410.00} for XX/XX/XXXX bill which totalled {$1900.00}. Contacted them today and was told my payment was five days late. I asked her how this is possible to get an interest charge of this amount and she said I was charged 9.99 % and doesn't know how they assessed the total charged but that was what was due. And that was the end of the conversation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60451
Submitted Via: Web
Date Sent: 2018-02-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-29
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Dear CFPB, A series of errors and disrespectful representatives has resulted in a loss of funds and a late fee for my rent. It started with my Now Card which was compromised. I called and had the card closed and replaced. There were 3 fraudulent transactions on it. I later would find out that for some unknown reasons the three transactions were split and sent to 2 different reps. One fraudulent transaction was approved. The day I received the replacement Now card, I also received a letter saying 2 of the 3 transactions were not approved with the erroneous excuse being that my card was not compromised. Later 2 reps, one a supervisor said themselves that was crazy and it should not have happened. I called them back XX/XX/XXXX. The rep said it would be expedited and done by the next day. I called back XX/XX/XXXX to learn he had lied and had not processed it. The rep that day said it would be rushed and finished by Tues XX/XX/XXXX. I had been expecting it by XX/XX/XXXX in order to avoid a late fee on my rent ; and believing them I was stuck in a bad situation. On Thursday XX/XX/XXXX I called again. It had still not been done. I first spoke to a rep who sent me to a Solutions Dept. The supervisor there assured me it would be fixed this time and that it had already been approved after being on hold for 20 minutes and it would be back in my account within 2 hours. I called back about 3 hours later and spoke to another solutions dept rep. She informed me it had never been approved and that XXXX from before had lied. She then passed me to the department that is supposed to deal with card services. The card services rep did not want to get me to a supervisor and told me the manager was in a meeting. She assured me the manager would call me back that day. Come Friday XX/XX/XXXX I had not heard back. Friday XX/XX/XXXX I called back. I was sent back to solutions and then card services. The card services rep did not want to help me. After putting me on hold saying she was going to get me to management she simply put me back in the cue which took me back to the main numbers again. The next rep then did not want to help me and hung up on me. I then called back the main line, asked for a supervisor. That supervisor claimed to be sending me back to Card Services. After a long hold I was disconnected again. I called back again and got to Card Solutions Dept. A woman with a sassy attitude said she would finally get to me to a manager. After 30 minutes on hold, she hung up on me. I have still not received the refund of {$7.00} from the fraudulent XXXX transaction, {$30.00} from the fraudulent XXXX XXXX XXXX transaction and have lost {$50.00} in late fees due to the insane disrespect and refusal to get me to a manager or supervisor by the regions tech support staff. I demand that Regions pull the calls from XXXX in solutions and the card services dept with me, reimburse me for the 2 fraudulent transactions and compensate us with credit for the {$50.00} we lost only due to the games Regions shady phone reps were playing with us.
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: 2018-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A