Date Received: 2017-01-20
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: Regions Bank had a public link that stated that by opening a XXXX XXXX Account and making a minimum number of debit transactions there would be a {$400.00} bonus. I submitted my application for this checking about along with the promotional code. My application was accepted, I funded my account, and ordered my debit card. It was only afterwards when corresponding with Regions customer service did I find out the offer had expired. It is not the premature expiration of this offer which concerns me ( the public offer had language that this public promotional code was good until XXXX/XXXX/2017 ), but the fact that at no point during the sign-up process did anything indicate that this offer was no longer valid. This is clearly a bait and switch, to the detriment of me being able to take advantage of other offers with them or other banks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 50317
Submitted Via: Web
Date Sent: 2017-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-01-16
Issue: Fraud or scam
Subissue:
Consumer Complaint: I had XXXX dollars inside of my wallet with my XXXX bank card 2 days ago.. I went to purchase a XXXX of XXXX from XXXX XXXX at a nearby liquid store.. Then the day after I proceeded home to then search for the wallet which by then was clearly missing and I called my XXXX bank to check my card status and it said XXXX XXXX So it clearly was getting spent by there second on groceries at a XXXX by XXXX high school.. I just want to know how I can go about getting my money back and or prosecuting whoever did this
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44112
Submitted Via: Web
Date Sent: 2017-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-16
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: The issue that I would like to bring to the attention of the CFPB is that Regions processes ACH drafts before the designated date specified on the draft. It has happened a number of times on my accounts at Regions causing overdraft fees throughout the life of my accounts there. When I question the reps in the call center about the issue, they can not explain why to me. Example 1 : Mortgages payments set to come out on XX/XX/XXXX. Draft was processed on XX/XX/XXXX. Example 2 : Most every week, I have a draft for {$200.00} for a daycare payment set to come out on Monday. It always comes out on Saturday mornings. I have learned what Regions does so I try to be prepared early for the drafts but this practice should not be acceptable for organizations such as Regions. Also, if you have a draft that is set to be deposited and it falls on a weekend, then you have to wait for the following business day for that to be deposited but they process the ACH drafts the opposite way and make it where it drafts on the last business day.
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: 2017-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-15
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: Hello. On XXXX XXXX 2016, I opened XXXX checking and savings accounts with regions bank. I made a mobile check deposit and waited for the funds to be available, so after a few days I went to transfer money from that account to another bank in my home town and when I submitted all the information I.e. Routing, account etc. I was informed that they had to verify so ok no problem but when everything was verified and I tried to transfer all of a sudden my account was locked out so I called the bank and they informed me that I had to sign some verification forms as if my electronic signature was n't enough. So I travelled XXXX mile missing time at work to come home and take care of this. So when all this was taken care a few days later I tried to transfer money and also pay some credit card bill that I have accumulated due to not having access to my accounts and was told yet again that I needed to sign the same papers again. Got I. Touch with bank manager and he resubmitted the forms so days later it was ok until I tried to pay bill or transfer money again. XXXX of my credit cards actually went through for payment but the others according to credit company the money for payment was given then taken back. Now they say my account are locked out due to fraud which there is none and no one can answer my questions about what fraud has occurred. Spoke to the regions XXXX number and they said I had to get the bank manager to talk to tech support about my account to unlock it but yet again it is still locked. When I tried to close the account I was denied stating that I had to be physically at the branch to close my account. Well I did n't have to be there to open XXXX up and do n't have to be there to make changes or to ask about my account when I call online services. Now my bills are behind, When I asked what will they do about getting my credit fixed on all late payments due to there fouled system and I was told that they ca n't do anything. For all those that read this. STAY AWAY FROM REGIONS BANK. I can only assume there saying that my account is locked due to the fact they really did n't have any money to pay the recent judgement they received and are taken customers money to pay for it and telling them that there accounts are locked out because of fraud. Well I guess that 's partly true except there the ones that 's probably committing it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39452
Submitted Via: Web
Date Sent: 2017-01-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-14
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: Over the last year in XXXX & several times in XXXX I have contacted my bank about a paid loan that they keep billing me annual fees for account that was closed in XXXX soon as the account was paid off. Each time that I speak with a customer service agent, they either do n't see the form filed with the correct department or the correct form was not submitted by the previous agent. Since XXXX I have been receiving statements about this same account and I have called each time that I have received one. Now they are charging a late fee, plus threatening to send this to a collection agency for an amount that I do not owe Regions Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32114
Submitted Via: Web
Date Sent: 2017-01-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-12
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: 1 ) Regions ' website shows in XXXX places the balance I owe is {$87.00}. 2 ) When I called in to pay it off they say I owe approximately {$120.00}. 3 ) The website is attempting to under report what I owe so that it takes longer to pay it off. I 've thought that I had paid it off a few times but the website misleads you on what you need to pay off the loan. 4 ) Due to their deceptive website I want my balance waived and for the website to be improved so other borrowers will know exactly what the payoff is at all times. Regions is being very deceptive, including limiting the ways you can pay off your account when you call ( you ca n't use debit or credit cards online or over the phone ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75237
Submitted Via: Web
Date Sent: 2017-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-09
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: FW : RE : [ Secure ] RE : Regions Bank - Complaint ID : XXXX XXXX & lt ; XXXXXXXX & gt ; To XXXX & lt ; XXXX & gt ;, customercenter & lt ; XXXX & gt ;, XXXX & lt ; XXXX & gt ; Hide Wednesday, XX/XX/XXXX XXXX Sent from XXXX for iPhone -- -- Begin Forwarded Message -- -- From : XXXX Date : XX/XX/XXXX, XXXX To : XXXX Subject : RE : [ Secure ] RE : Regions Bank - Complaint ID : XXXX Dear XXXX, If there is a problem where you do not understand the seriousness of this matter Sir. I was told by XXXX the young man whom I explained my formal Complaint to that Regions really took these complaints serious. And in your previous email you never stated Female or male. For clarification our Mother and your Member of your Bank Regions her Name is XXXX DOB XX/XX/XXXX just in case you are mixing her up with another member at your Regions Bank by the name of XXXX. Before you and I keep going back and Forth about a third Person being added to A Joint Account back on XX/XX/XXXX a year ago this past week. If you want to discuss this Matter about the Illegal act that XXXX Committed against me. Otherwise escalate this matter above you please. Because you are not talking about the date this transaction took place on XXXX account where XXXX added XXXX a third person to an already existing account. Where I XXXX had been added since XXXX. Please send this Email onto the next level above you Sir. Because in your email to me you are not trying to correct anything. You are trying to speak about when the POA was placed on her account. That is not why I placed a formal Complaint against XXXX. She needs not to do this ever again adding a person to a Joint Account without ALL PARTIES BEING PRESENT. Thanks again for your time, XXXX Sent from XXXX for iPhone At XX/XX/XXXX, XXXX, XXXX wrote : XXXX : Just for clarification, it 's XXXX and not XXXX. Thank you for getting back with me. As XXXX manager, I do Thank You for making me aware of the situation. I have reviewed your mother 's accounts and here is what I was able to determine : XXXX, XXXX and XXXX open a joint account at the Regions Office in XXXX, Georgia. On XX/XX/XXXX XXXX and XXXX came to the Regions Bank in XXXX to bring a POA dated XX/XX/XXXX to maintenance account ending in XXXX. On XX/XX/XXXX a joint account was opened for XX/XX/XXXX and XXXX at the XXXX Branch. On XX/XX/XXXX, with Guardian Paperwork, the Account in XXXX and XXXX was closed. In reviewing the accounts, the bank was not presented with guardianship papers until XX/XX/XXXX. Without guardianship papers, as long as XXXX was present at the bank and no one was removed from an account, the bank was obligated to honor the request of XXXX. Although a POA was filed for XXXX by XXXX, the POA does not prohibit XXXX from opening additional accounts in her name, either as a sole or joint owner. Based on the Regions Privacy Policy, XXXX would not be made aware of any accounts opened unless she was a co-owner of the account. Please be assured that XXXX did not discuss the account status or changes with anyone who was not an authorized owner on any account referenced in XXXX name. If there is any further clarification needed, please do not hesitate to contact me at the number below. I hope this clears up the issues in your email. Regards, XXXX Vice President Branch Manager - XXXX, GA XXXX XXXX - Office XXXX -
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2017-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-07
Issue: Settlement process and costs
Subissue:
Consumer Complaint: XX/XX/XXXX, I locked on my interest rate and the general terms of a mortgage from Regions Mortgage in XXXX. I received a closing disclosure, which had several errors ( extraneous charges approx. $ XXXX ), which I had corrected. In the closing disclosure, the lender estimated the Lender 's title insurance to be {$1100.00} and the Owner 's Title Insurance to be {$3000.00}. While we did replace insurance carriers, prior to closing ( XX/XX/XXXX ) the purchase price, mortgage amount, interest rate, Lender 's and Owner 's Title Insurance amounts remained constant. On the afternoon of XXXX XXXX, the day before close, the lender provided an updated closing disclosure document listing revised numbers for the Lender and Owner 's Title Insurance of {$1100.00} and {$6200.00} respectively, which is an increase of {$3100.00}. Based on my review of the Consumer Financial Protection Bureau site, is not permitted. Summary of concerns : Last notice and scope of change AND no proactive notice of change. Delivery of the closing disclosure the day before close AND without proactive notice of the change eliminated time to shop or negotiate for an alternative attorney and or title company. Gross miscalculation of Owner 's Title Insurance. The maximum rates for Title Insurance were mandated by the State of Georgia XX/XX/XXXX. It is a simple formula AND none of the important numbers ( purchase price, mortgage, down payment, etc.. ) changed during the entire lending process, so there is no excuse for inaccurately estimating these fees in all prior closing disclosures. Realization that the attorney / title company makes up to XXXX % commission on the sale of title insurance. While the disclosure in the attorney / title company commission used to be in the HUD forms, it is no longer included, so I received no notice of this commission o The attorneys made ( $ XXXX {$6200.00} = {$7400.00} XXXX = {$5900.00} in commission ) plus {$950.00} in other fees for a grand total of {$6800.00}. This is pretty amazing for a few of hours of work, not all of which were conducted by an attorney. General disclosure. The attorney / title company, lender or real estate agent never mentioned I had the right to secure my own title insurance policy. Also, I can not find this disclaimer in any of the paperwork received by any of these companies. Additionally, until the attorney presented me with a disclosure that he represented the lender and not me, no real estate professional mentioned to me that I could or should have my own representation present. Presentation of detail. It would be one thing if I missed the fine print, but I was never presented a HUD1 during this process, which would have disclosed the commission. Risk to closing. In preparation to close, I had to wire transfer the funds two days prior to close. If I had not secured a lower cost of home owners insurance, I may not have had the funds present in order to close on time and I could have incurred penalties. My objective in filing this complaint with the Consumer Financial Protection Bureau is to determine if I could have negotiated with an attorney to return the majority of the commission from the commissions they received from the Title Insurance commission. If this was legal at the time of closing on the house ( XX/XX/XXXX ), I want the lender to make me whole by repaying me {$4700.00}, which is 80 % of the commission from the title insurance or I want {$3100.00} back from lender. In addition, I very much want to change the disclosure rules required of the real estate agent, mortgage lenders, title companies and attorneys in the State of Georgia. In my opinion, capping the cost of Title Insurance it eliminates serious competition and thus harms consumers. The lack of proactive disclosure around options and the undisclosed and significant commission received by the attorney / title company is shameful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30305
Submitted Via: Web
Date Sent: 2017-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-06
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I had overdraft protection with Regions Bank in XXXX, Alabama on my checking account. However, instead of waiting to get the overdraft from my Social Security Check that come in every month. They took the overdraft from my grandchildren savings so it would n't net interest. So, I took my grandchildren money out of Regions Bank. They retaliated by closing both of my checking accounts without notice. Therefore, I could n't receive my Social Security check for the entire month of XX/XX/XXXX with put a great hardship on my me and my family.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35020
Submitted Via: Web
Date Sent: 2017-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-05
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I had pull my wife off of my bank account, and during that process the bank went in to her account and pulled {$130.00} out to put in my account because it was overdrawn for 15days and cause her account to go overdrawn due this process. At this point now both accounts are overdrawn and the back is saying ohhhhh well it is in the agreement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 775XX
Submitted Via: Web
Date Sent: 2017-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No