Date Received: 2017-12-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX XXXX, 2017, While checking my bank statements, I noticed 2 charges on my account that neither my husband or I did not make. I immediately called Regions Bank to notify that my account had charges we did not make and asked that they be denied or to stop payment as transactions were pending. I was told they cant do anything until the charges clear. I said I did not make them but still was told nothing they would do until cleared, it could take up to 10 days. The charges were international and I stressed I did n't make them but nothing would be done until they cleared, So they paid out {$730.00}. XXXX from my account charged me international fees and overdraft fees then denied my claim saying that they were verified charges. If I had any further questions to contact the merchant. How? I asked I ddnt know the companies the charges were made from and internationally? Didnt that raise a red flag with the bank? I have never ever used the cards out of the country, I have not been out of the country. Sorry they said transactions were verified. I dont know how. What else can I do?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32904
Submitted Via: Web
Date Sent: 2017-12-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We have had a long term relationship with Regions Bank, from business to personal. The problem iniitially stemmed from Regions Bank Giving a draw for {$180000.00} to a XXXX XXXX on a home we were having built on land which we owned since XXXXThe officeXXXX XXXX XXXX never checked the stage of the home and simply signed over {$180000.00} on this home to a builder who we were forced to pursue who of course had nothing when we got him to court years later. We can supply copies of the lawsuit which was handled by XXXX XXXX of XXXX, XXXX in XXXX XXXX Carolina.The initial documents apparently supplied by Regions prevented us from bringing an action through a jury and well protected the bank. Since this home was left as unfinished I was forced to hire and consult other builders to finish the home. In addition to an improper roofline and wrongful electrical being done it was determined that we were upside down over {$80.00} for the bank wrongfully turning over our construction money without checking this was to be done. This being the case we were forced to reach for funds by pulling against credit lines and also secured a second mortgage against our primary residence in the form of a HELOC and from whatever credit resources we had at that time. Regions Bank than called us in XXXX and told us it would benefit us far more to have a " fixed rate '' that would apply monies to the principal. I also wish to add that the original mortgage was a credit line which was closed unilaterally by Regions bank so we feel this loan was given under false pretenses. Now out of the blue without our knowledge the bank REGIONS BANK has sent us a balloon demand for XXXX XXXX. We have been on the phone no less than 7 times without success. On the eighth try I received some assistance from a credit services representative who at least took the time to look up the notes under our name and offered to give us copies for us to have.These of course are barely legible and in such tiny print that a consumer can not really read this. I have kept detailed logs of these attempts and we have been disconected numerous times and spent over 10 hours on hold being disconected, switched around and being totallly frusrtated and put off. There are not enough categories to file this complaint against Regions from : 1 ) Giving a loan with no benefit ; 2 ) Misleading the public ; 3 ) Incompetence by giving our funds to a builder without checking what stage a home was to be built and 4 ) Even " alterring documents '' after giving an approval on a commercial loan to show the approval is only good for ten days after alterring their end of the documents. The reason for this complaint at this point is because a balloon is now being demanded on our residence prompted by imcompetence and being misled by this bank. I have asked the bank for copies of ALL documents signed with Regions and proof they gave us the opportunity to review these with an attorney of our choice. The documents do however give the bank every protection afforded such as '' not be tried by a jury or action taken against themselves '', so they well protected their interest and did not uphold our rights to be protected by a lawyer of our choice. Lastly after recent scrutiny and putting a magnifying glass it also appears there was a potential for a pre pay penalty if paid off early, not that this is a concern of ours. All of these terms were only legible after putting a large reading glass to the documents.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 293XX
Submitted Via: Web
Date Sent: 2017-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-12
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XXXX XXXX Social Security : XXXX On XXXX XXXX, XXXX I logged in to my online Regions Checking account to find that a direct debit in the amount of XXXX ( appx ) had been debited to my account causing a balance of XXXX. Then my two auto drafts for my car and house insurance came through and caused the account to be in overdraft. I called the customer service line and the only explanation I could get was that someone has evidently written a cashier 's check and brought my account balance to zero. On the following Monday, I went to my local branch in XXXX, XXXX XXXX see if they could help me figure out what happened. They called the XXXX XXXX XXXX branch of Regions in XXXX, XXXX XXXX branch manager is XXXX XXXX and he told them that because I did n't have a physical address on file, they automatically closed the account. He also stated he had tried to call me ( I never received a call ) to obtain my physical address. So my account was closed and I couldnt reopen it and the Regions branch in XXXX, XXXX XXXX to open another account for me but I was so upset I said no. I went to XXXX and opened another checking account. A few days later, XXXX XXXX the branch manager from XXXX, XXXX XXXX called and apologized and said it was a lack of communication between himself and another employee. He stated that my account balance would be mailed to me and to this date ( XXXX/XXXX/XXXX ) I have not received a check. I am very upset and if this does n't get resolved immediately, my next step will be to take legal action against XXXX personally and Regions bank. I realize that it is a small amount of money but it is the principal of the matter. I hope Regions does n't do this to many other people. I need two things from Regions : 1. My account balance returned to me 2. A statement from Regions stating Regions closed the account so my insurance company will charge off the overdraft charges to my account. My current mailing address is XXXX XXXX, XXXX. XXXX XXXX, XXXX, MS XXXX. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-12-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-12
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX XXXX. Spoke with representative about my 3 account and she notated that all 3 Would be paid by the end of the month XXXX XXXX another representative called about my accounts and I told her that I have already made arrangements on all 3 of them XXXX XXXX. Another representative called about my accounts and I told her again that I made arrangements and to please stop calling since arrangements were made yesterday and this makes 3 times
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38671
Submitted Via: Web
Date Sent: 2017-12-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-11
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Already a victim of identity theft, Regions did n't make it any easier after all the Harsh Emotional Distress, Pain and Suffering Humiliation they put me through 1 Week of visiting 8 Regions Bank the last branch I visited XX/XX/XXXX located XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I Opened 3 Bank Accounts ending in,XXXX,XXXX,XXXX Which was opened by a Branch Manager XXXX XXXX XXXX work tirelessly to open these accounts reached out to Fraud departments and operations manager 's ETC. Because I had been to several previous 7 other locations because no one would look deep into my situation to help me on XX/XX/XXXX My Bank Accounts were froze by region accounts screening for new accounts up into today me filing this report. Due to a system called XXXX XXXX so I got all information from XXXX XXXX and XXXX XXXX my consumer reports filed from these companies stating everything was paid to XXXX $ balance and nothing fraudulent reported I emailed those documents to XXXX as he instructed me to. To have the holds and freezes release on my behalf and he did that indeed He reached out and emailed the documents to a XXXX who had placed the holds on my accounts for over week canceling my direct deposit had my money sitting in a limbo she fraud fought him on the issues ignored he request to remove holds and any freeze After she received verification that I do not owe money or had anything fraudulent reported I sat with XXXX for a hours 5 days a week up until XX/XX/XXXX I saw his frustration he could n't give a explanation on why regions was so harsh on me and did n't accept me as a law abiding citizen of the united states of America I could n't no longer endure the embarrassment from regions as I said on XX/XX/XXXX I told me XXXX XXXX to have my money released so I move on and close the accounts its obvious regions do n't want to accept me a client its harsh situation on their behalf he reached out again to a " XXXX '' The Annalyst Fraud Agent Responding within seconds she removed the holds and closed out my bank accounts.But did n't have the decently to respond to a regions Branch Manager after several messages and emails to remove the holds and freezes.To keep my bank accounts open which was approved by branch manager. It was like she took it upon herself to judge me and discriminate against me base on false accusations and inaccurate reported information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33908
Submitted Via: Web
Date Sent: 2017-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-11
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/XXXX ( Sunday ), I made a mobile deposit which places a hold ; however, it posted to my account on XX/XX/XXXX which Regions charged me a {$36.00} overdraft fee. My balance with the deposit posted was {$63.00}. Supposedly, they say my deposit is not " available '' until XX/XX/XXXX ; however, if that was the case, it would not have posted to my account on XX/XX/XXXX. They are erroneously posting overdraft charges which should not be incurred. I can provide sufficient documentation to show this. Also, the customer service representatives thru internet banking keep contradicting themselves. This issue needs to be resolved. I was sent a letter by the company ; however, unfortunately, I do not agree with what is in their letter to me. My deposit of {$110.00} was available to me as it posted to my account that night which my total balance to pay items was {$780.00} ; therefore, there were no charges posted that would have caused an overdraft fee of {$36.00}. They are saying that my deposit was not available ; however, if that was the case, it should have still been pending, NOT posted to the account. A statement of account has been provided to BBB. The charge should be reversed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70094
Submitted Via: Web
Date Sent: 2017-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-09
Issue: Other transaction problem
Subissue:
Consumer Complaint: Transfer of IRA from Regions investment account to XXXX XXXX investment account. I started this process on XXXX/XXXX/17 and there has been one delay after another with dates promised at the end of XXXX, then XXXX and now looking at the end of XXXX. There is nothing special about this IRA, no loans or outstanding issues. They have just been holding this money and I am being charged a management fee for their ineptness.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32003
Submitted Via: Web
Date Sent: 2017-12-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I received notice from Regions Bank in XXXX, NC that they were taking over servicing of my mortgage. They sent me documents to sign and then used those documents to set up a refinance that I was not aware of and did not authorize or want. This added 1 year to my mortgage. It also would have resulted in cash back to the borrower ( me ) of {$8300.00}. I never received this payout.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21206
Submitted Via: Web
Date Sent: 2017-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX XXXX XXXX Regions Loan : XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX : Loan Modification / Loan Modification Story on all that has happened and I am pretty much going out of my mind and trying to heal my medical conditions at the same time with documentation I have never dealt with. XXXX XXXX will no longer help me because I could not produce Doctors documentation for my injuries, I told them this is all in process. To top all that was wrong this was the up nastiest people in this office I ever had to deal with! Unbelievable! XXXX XXXX, XXXX, I had to stay at my sisters house in XXXX Texas, because I could not afford the utilities, I did not have an income. Regions Hired Home Inspector to Break into my House and they drilled and installed there own locks on the Back Door. I had a lock on the side gate I did not know I was going to have someone break in, they damaged the gate, and door locks. XXXX XXXX & XXXX, XXXX I was here staying in the house, I notice that the door lock had been replace and damaged one on kitchen counter. I called Regions and said why didnt you ask for the keys. At this time everything looked okay. XXXX XXXX through XXXX, XXXX, XXXX, Regions ask a lot of questions and wanted a lot of documentation : A truck hit me Head On, doing XXXX at the unemployment parking lot, he was going the wrong way. Why didnt you collect Social Security, I applied 3 times, and this is in process, so I am still waiting. I dont know if I will get it, I should the Doctor said he would sign the documents. That also changed, now VA doesnt want to sign the documents but they know how to send me to all the Doctors. Social Security XXXX XXXX, XXXX, sends me a letter stating that I will receive {$28000.00}. And will start monthly check of {$1400.00}. for XXXX XXXX, Now I have a temporary income for now. XXXX XXXX, XXXX, I call Regions about making Monthly Payment and Reinstate my Loan, so this way I can stay and live here, Regions was constantly asking do you want to stay in the house, I said YES! If it turns out I can not stay I will Rent the house or Sell it, we had talked about this before back in XXXX XXXX, while I was still living here. XXXX XXXX page XXXX of XXXX XXXX XXXX, XXXX, still waiting on XXXX Modification after 25 days XXXX XXXX / XXXX / anything to adjust monthly payment to {$1000.00}. a month. I was XXXX. They said I can appeal it, well this was just a delay tactic XXXX weeks later XXXX DENIAL. XXXX I had the XXXX XXXX Police out here at Regions request about the list of damages. Service Link was hired by Regions to do Home Inspection, I was showing Police the damages and they said XXXX needs to call the Police, they hired Service Link to come out here and gave them the OKAY to Break XXXX. I called Regions they wanted me to put damages on my XXXX XXXX XXXX! I said NO! This is your BILL. I had the XXXX XXXX police out here twice at Regions request! They said the same thing. I ask ; On Reinstatement : Regions was telling me all this time that I had to talk to the Attorney in XXXX. Now he doesnt have the correct Billing amount XXXX XXXX, XXXX. I am trying to get this done before the XXXX XXXX. From XXXX to Present I keep getting Billed because of XXXX and Attorney. I called Regions for final bill XXXX XXXX, XXXX, hey tell me you have to call the Attorneys Office, I call the Attorneys Office, they tell me Attorneys Bill is {$390.00} and just use Regions Last Statement the last one I sent you. It turns out thats the wrong one! I just received the new one today with double the increase on everything and I still have all this damage to the house. What do I do? This is the majority of what is going on here delays, I told Regions you need to contact the Attorney, I do not have NOTHING to do with this except pay the bill! Regions was trying to explain the process! I do not care about the process I just want to pay my bill and get Regions to FIX the house. This is the majority of the problem ; I need some help here, one of these days I can go to Regions and give them the check! I want the damages fixed. Thank you for your time, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76132
Submitted Via: Web
Date Sent: 2017-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I fell behind on my mortgage when I went through a financial hardship from a divorce. I requested a modification through the mortgage company which was denied. Every month a payment was made but after the mortgage was 3 months in arrears, however, on my statements every month there was a charge of $ 12.50- {$22.00} for home inspection fees that has now accrued to {$510.00}. I feel that is an unnecessary fee that the mortgage company has charged. I have managed to obtain a contract to sell my home before it goes into foreclosure and that fee has been included in the final payoff of my mortgage. There was no benefit that I as the consumer received from this fee. I believe this was free money that the mortgage company was able to gain at my expense. This an unfair practice that should be investigated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38002
Submitted Via: Web
Date Sent: 2017-12-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A