Date Received: 2017-12-02
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Please refer your attention to complaint number XXXX, This Complaint was filed on or about XX/XX/XXXX, and involved the manner in which the bank had computed overcharges on a checking account. It was apparently forwarded to Regions National Bank on XX/XX/XXXX. At the close of business that day, Friday, XX/XX/XXXX, the balance in my account should have been {$11.00}, However the last charge against the account that day was a charge of {$180.00}, apparently for four non sufficient fund charges at {$36.00} each made over the weekend of XX/XX/XXXX and XX/XX/XXXX and the charge for the overdraft which resulted from the application of the overdraft charge itself. The charges for the four overdrafts over the weekend were not processed until Monday, XX/XX/XXXX, On that same day, the account was charged another {$140.00}, apparently for the four.overdrafts which were processed on XX/XX/XXXX. Accordingly, from Friday, XX/XX/XXXX until Monday, XX/XX/XXXX, the account was charged a total of nine ( 9 ) overdraft charges at {$36.00} each, when only four overdrafts had occurred over that weekend, not including the overdraft which had occurred as the result of the application of the overdraft charges on XX/XX/XXXX. I would like to point out that in no other instance to my knowledge had the ban charged for an overdraft to the account which was the result of the application of the overdraft charge itself. But it is clear that this was the case on XX/XX/XXXX., These charges were made by the bank within a week after the original complaint filed in this case had been forwarded to the bank by your office. It is my belief that these charges were made in retaliation for my having filed this complaint. For this reason, I have not discussed this matter with the bank prior to providing you with this addendum. I plan on visiting the branch office of the bank on Monday to discuss this with the manager, but the last time I went to the bank to discuss this matter I was threatened with arrest. Please understand I need this account I just wanted to be treated fairly. It is the only means I have to collect my very modest pension and social security benefits. . .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2017-12-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-01
Issue: Getting a line of credit
Subissue:
Consumer Complaint: On XXXX XXXX, XXXX, I spoke to my personal banker, XXXX XXXX, at Regions Bank in XXXX, Al. in regards to obtaining a line of credit for my business, XXXX XXXX XXXX XXXX XXXX XXXX referred me to her assistant, XXXX XXXX, who asked me for some specific documents regarding my business and then e-mailed me a few questions regarding my personal finances. I provided all requested information to XXXX on XXXX XXXX, XXXX in person at the branch location. I was not asked to fill out or sign a credit application. That same day, I received a credit alert that an inquiry was made to my credit reports. A few days later, I received a phone call from XXXX stating that I had been turned down for a line of credit. I asked her why and she said she did n't have the information. I reached out to XXXX and still did n't receive any valid reasoning as to the turndown. XXXX rudely stated that I " needed to look at my credit reports more closely '' and also told me that " it may be in my best interest to take my banking elsewhere. '' I have been a Regions accountholder both personally and with business for many years, I have above average credit both personally and business, I have had several loans both personal and commercial with Regions that have all been paid satisfactory, and there is nothing in my credit reports that should have any reasoning for a turndown. As of the date of this message, I have yet to receive any correspondence from Regions stating the reasoning behind the credit turndown and when I asked to see my credit report/score at the bank, I was told that I could obtain my own online. I ordered all 3 credit reports and see no issues. I monitor my credit monthly through an outside agency, so I already knew there were no issues and my score is more than acceptable. Since this happened, I have been treated disrespectfully by these two employees and have since noticed my various accounts being charged monthly fees, etc that I have never been charged in the past. I have reached out to a corporate executive within Regions Bank that I had prior dealings with several years ago. She has acknowledged receiving my correspondence about wanting to discuss a complaint but has not gotten in touch with me yet to discuss it. I feel that for some discriminatory reason unknown to me, I have been denied credit at this bank that I have been a loyal customer to for many years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 365XX
Submitted Via: Web
Date Sent: 2017-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX I paid {$1500.00} to my Regions Visa credit card through my Regions online banking account. The " deliver by date '' was XX/XX/XXXX. A minimum of {$40.00} was n't due until XX/XX/XXXX. My payment of {$1500.00} was withdrawn from my Regions checking account on XX/XX/XXXX. A week later, I received a paper statement claiming that they did n't receive payment until the XX/XX/XXXX. I called my Regions credit card with proof of timely payment. They apologized and removed their faulty fees. The following month, an almost identical situation occurred, only much worse. Not only wo n't they remove faulty fees, but are also attempting to charge interest for previous month 's balance which had been paid in full before the due date. I produced the proof of payment withdrawn from checking account along with confirmation number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37128
Submitted Via: Web
Date Sent: 2017-12-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My name is XXXX XXXX XXXX, my email address is XXXXXXXXXXXX. On XX/XX/XXXX, I deposited a United States FEMA check with Regions Bank for the amount of {$95000.00}. I received {$300.00} in cash, a hold was placed on {$4800.00} until XX/XX/XXXX and for the balance of {$90000.00} a hold was placed until XX/XX/XXXX. I am objecting to the last hold on the {$90000.00} until XX/XX/XXXX. This is the age of computers. The bank will have these funds available on XX/XX/XXXX. Thus Regions is earning free interest, while depriving me of my legal money until XX/XX/XXXX. I want this hold removed immediately and my money available on XX/XX/XXXX. I also want the bank to rescind all holds of this type for the future. There is no reason for a 10 day hold on any transaction in this day and time. As I said, this is the age of computers and Regions will have its money available next business day.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77008
Submitted Via: Web
Date Sent: 2017-11-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-24
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Hello my name is XXXX XXXX and my recent problem started XX/X/17, I have two accounts with regions one of tellers and the XXXX branch recommended I try this for the way I had been utilizing my account Which i did find to be helpful. On XX/XX/2017 stopped at a gas station to get gas using my primary checking account check card but the card would not read in in the company 's pay at the pump machine. So because i was pressed for time I used my secondary checking account check card to purchase {$10.00} in gas after I transferred {$15.00} from primary to secondary account to cover the charge. and head back to work later that day I was headed to pay my rent checked my account three times before even attempting to use my check card on my secondary account and be cause I had also stopped at a family dollar and made a purchase {$3.00} left me with a balance {$1.00} and because I built a good relationship or so I thought with regions when ever im short or just want extra money I am able to overdraw my account with or without funds in the amount of {$240.00} which I have utilized this feature a few times paid back in full with {$36.00} dollar late fee attached which I have no problem with as I am aware of the charges applied when knowingly over drafting your account. so it total I should have had to pay {$270.00} which is the amount that showed on my app when I checked my balances which i do often to avoid any issues with my account well so after a couple of day I was checking my accounts because I get deposits often in my primary account I noticed that my secondary account 's balance had changed to - {$310.00} which I did n't understand so while checking my account I could n't figure out why it was that amount but because of family emergencies I could n't go the bank on the initial day that I noticed the balance but was I was able I went into the downtown location in Florida and spoke with a lead at the branch bout the extra charges on my account and after coming to a conclusion of how the charges were incurred the Representative told me that she would speak with someone to see if there was anything that could be done and she would let me know the next day well days later I try and reach out to the rep again and was told she was in a meeting and would call me back still no call from her not long after calling I check my primary account and money was missing from my {$31.00} was missing from my account with no trace of where the money went no description or anything on the online banking a day/days later I noticed to charges reading collections dpt ddaactive not sure of the exact day they started because the post dates and the day my money was withdrawn from my account without my knowledge do not match but on 4 different occasions withdraws in the amount of {$7.00} -- {$31.00} -- {$3.00} -- {$270.00} was withdrawn from my account for the first two of those four charges I had no idea what they were where they came from or by whom the were authorized so I call regions and speak with them regarding the charges and they send me to the collections department and upon speaking with them they told me that because my account was 15 day over drawn that regions had the right to withdraw money from any account I had with them to cover the overdrawn amount and they were able to take out as much or as little as they wanted and asked them if my account was closed/closing they told me at least 2 times that my account would close for sixty days even if it is over drafted I was given this information from a rep and his manager over the phone on if I 'm not mistaken on XX/XX/17 which by this time my account had already been charged twice so a couple days before my payday I finally speak with the lead rep who quickly rushed me off the phone in a very neglectful way stating it was nothing that could be done as far as the fee 's were concerned so when I got paid money was withdrawn from my account with no trail at all of where it was which I have pictures showing that it was almost like my money vanished into thin air until they decided to show the transaction so after all is said and done i 'm upset because they have just completely dis regarded me as customer or person in charge of my money and have done whatever they wanted to do with my money I try to transfer money into my secondary account which is now at a {$0.00} balance because of the unauthorized transfers and am unable to, only to find that they have closed my account which i did not know until i called the customer service number to find out why I couldn, t transfer into this account, and they told me that they had good news that even though the account was closed that because collections closed it at a {$0.00} balance that all I had to do was go into the branch and they would just reopen the account so I go to the branch near my home in XXXX speak with a rep and the branch manager only to find that it ca n't be reopened and they sent an email to the branch manager in XXXX XXXX and about an hour later I get a call from the very lead who could n't find the time to return my call after several attempts to contact her stating that she is sorry that this happened trying to deflect the situation to anything or anybody besides her and that branch asking me what can she do to make this right while at the same time stating that there was nothing they could do. I have never felt so out of control and taken advantage of as a customer or as a person in my life this has emotionally affected me if there is any one I mean any one at all who could help PLEASE DO I do have several more pictures but can only upload and other evidence of dates and times I spoke with people
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32792
Submitted Via: Web
Date Sent: 2017-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-22
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/17 my bank account showed two pending credit charges to a company called XXXX XXXX. Both Charges were in the amount of {$190.00}. I contacted Regions Bank and they canceled my card, but told me it would be awhile while they research the possible fraudulent charges. So, two days before XXXX I have no money. I contacted the company and they said they were able to catch and cancel the fraudulent charges and issued a refund. Called Regions back and they told me they dont issue conditional credits while they research and there is nothing they can do until the investigation is complete. We spoke to a customer manager, XXXX XXXX, but when we called back we couldnt be reconnected to her for some reason. This does not seem fair or correct.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63031
Submitted Via: Web
Date Sent: 2017-11-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-20
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: On XXXX XXXX, 2017, I was scammed out of {$670.00}. I called Regions bank to stop the transaction but they informed me that they couldnt stop it because it was still processing. I explained to them that I had been scammed but they still wouldnt stop the transaction. Since the following Saturday was a holiday the bank would be closed. I went to the bank on Monday and the transaction was still processing, so they told me to come back on Tuesday. After I made the disputed I waited about a week to call the bank ; only to find out that the claim had been denied. The reason for the denial was because the claim was not filed right. There was also an affidavit that I was suppose to sign that the customer service representative never told me about.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37042
Submitted Via: Web
Date Sent: 2017-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-18
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: I have a hard inquiry from Regions Bank that I did n't authorize from XXXX 2016
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I am a XXXX year old XXXX man, and I use a XXXX. I do not own a car, and can not drive. I 've been a victim of identity fraud by my younger brother. He made XXXX dollars worth of fraudulent charges on my debit card number. He never received any cash from an atm because he did n't need to. He used the XXXX money transfer feature to have money sent from my debit card number, to his bank account. There are several other persons that he sent money to from my debit card to their bank account. I have sat down with the bank manager and identified all of the fraudulent charges from XX/XX/XXXX, to XX/XX/XXXX. I pressed charges against my brother, and gave the case number to the bank to include with my disputed charges. Regions has denied to credit any of my money back despite having pressed charges against my brother. My brother made all of those fraudulent charges with my name and now it looks like I made the transactions and this is not the case. If the ip addresses can be examined from these erratic charges, they will see that the card was being used in two different places at the same time. Me being XXXX is important in this. I live in a seperate county than my brother, it 's about an hour and a half away. I ca n't drive and do n't own a car, so it 's impossible for me to drive to XXXX, Arkansas, use the debit card several times, and drive back to XXXX, Arkansas, use the debit card , drive to XXXX again, and use the card again, the drive back to XXXX where I live. Regions has denied my claim for these disputed charges. I needed all of this money back, for i 'm handicap and do n't have a job. My brother stole all of it from me. It took me too long to catch on but i 'm not very smart in these matters. My brother knew this about me and took advantage. I was advised to put in a complaint with CFPB. That the CFPB investigates matters just like mine, where it takes more than just glancing over the case, and takes more attention to the details. I need your help. I need this money back, or i 'm not going to be able to pay my rent in XX/XX/XXXX. Thank you, XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72703
Submitted Via: Web
Date Sent: 2017-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-12
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: I divorced my now ex-wife XXXX yrs ago, she is a XXXX for the now XXXX XXXX, formally XXXX. During the divorce the court order gave her sole responsibility for the jointly held XXXX card. I tried to have statements mailed to me, but my ex-wife in her position as XXXX had those requests cancelled. I went into another branch and had them print out copies monthly to make sure she was paying on time. Until the manager at the other branch told me there was n't any accounts in my name, social security number, or address, apparently she lied. Not knowing the other manager I assumed my ex-wife did a balance transfer to get my name off the debt, I was glad and thought it was all over now. I was wrong, fast forward 13 years. I applied for a mortgage and was told there was a charge off for approximately {$500.00} for that XXXX card. My ex-wife claimed bankruptcy. Regions said I was liable because my name was on the original documents. In an effort to clear my credit, remove the charge off and derogatory report I paid the balance off. In paying it off it was also discovered that my ex-wife in her position as XXXX and XXXX XXXX, had opened 2 checking accounts in my name without my knowledge. I finally got those 2 checking accounts cleared up after I filed identity theft charges. Regions still refuses to remove the derogatory report from my credit report even after I presented them with my divorce papers showing the debt was assigned to her. I had asked them to show me any correspondence relating to this that was sent to me, they said they would look into it. I believe that if any correspondence was sent, it was not sent to me, it was sent to my ex-wife, their employee. Now 4 months later, they have not responded, not replied to my emailed requests or my phone calls to XXXX XXXX Operations manager. Regions will not take responsibility for the illegal actions of their XXXX XXXX, will not honor the court order, will not provide any documentation, and cite the FTC regulations requires them to report it as a bad debt to the credit bureaus. XXXX XXXX wrongfully represented the credit bureau as a quasi government agency. Where in reality they are private companies and reporting is voluntary. I have made them whole as soon as I was made aware, provided the documentation, reported the identity theft. I believe this is nothing more than continued harassment, misleading information, and ineptness.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33710
Submitted Via: Web
Date Sent: 2017-11-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A