Date Received: 2016-09-30
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: I have a checking account and see a monthly charge of {$5.00} labeled Online Bill Pmt Billingfee. I do n't know who is doing the debit and when contacting the XXXX with the Company ID I am referred to XXXX then XXXX. They claim I have been misdirected and I contact my bank again to no avail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2016-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-25
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: An Alleged lender is stating that they have an interest in my property. I have requested proof of their claim of a loan, for this not the lender I contracted with. However, this lender admitted they did not have the blue wet ink original documents as required by law. Addition to this the lender has now taking action to sell my land in an auction scheduled XX/XX/XXXX. Without an Court order.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38114
Submitted Via: Web
Date Sent: 2016-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-25
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: I recently open up an account with XXXX XXXX. I then enable online banking. Once in online banking, I tried to enable online Bill payment. I was told that I could not do that as the XXXX party company ( XXXX ) who handles online bill payment had marked my name with a red flag. The reason for this is that someone had opened up an account at Regions bank XX/XX/2013 and Regions bank had then closed that account. I then called Regions Bank, and they told me to go in person to a local Regions bank branch to fill out and identity fraud form which I did. I then got a letter from Regions stating that my name had been cleared. I then go back to XXXX to see if they could enable my bill paymnet, but still my name is not cleared in the XXXX system. I then contact both XXXX and Regions to see my next step. XXXX was no help at all as they are saying it is Regions bank. Regions bank is saying they do not see anything flags ( even in there XXXX system ) that my name is flagged. I got a name of the person who had wrote the letter stating my name is clear, but after 6 attempt to call him and left a voicemail everytime, I am still not hearing anything. My complaint is against both Regions and XXXX as I am stuck in between these XXXX companies and unable to figure out what to do next.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2016-09-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-23
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: This issue pertains to Regions bank and their overdraft coverage policy. For the past 3 weeks I have been making countless calls and visiting the local branches to try and have this resolved. In doing that I found out a lot about Regions and their workings. This all started because I went out of town on business and had to use my debit card for the hotel stay. Because the hotel put a hold, it caused many transactions to overdraft. XX/XX/2014 I turned off all overdraft coverages and protections, to avoid any charges being taken. I do not agree with this overdraft coverage and do n't ever want this on any of my accounts because it 's a negative tool. When asking Regions representatives and officers how did this coverage get turned on my accounts, their words were " We do not have a way of finding out how it got turned on. '' To me that was strike XXXX, that your systems do n't have any indication. Secondly, they sent me on quite a bit of running around the city. As I visited the XXXX branch, they advised me I would need to see a next level advisor in another branch on XXXX XXXX XXXX, keeping in mind that is 30 min travel to that location. I promptly followed their suggestions, and upon arriving at this location, their representatives inform me, that the other branch had mis informed and XXXX XXXX Branch could not do anything either. Now I jump to their phone reps, upon going through numerous calls, which I have logged. As I ask the representatives how did this coverage get out on, he advised me that only customers and no Regions bank officer can change that. I have been told so many stories and seen with my own eyes that they do whatever they please with overdraft protection. I lost close to {$300.00} in fees because they do n't understand what 's going on and how this protection got placed. For Regions as a financial institution to do this is extremely unacceptable and I did some research and found out this is not the first time Regions does overdraft maneuvers that affect their clients.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32779
Submitted Via: Web
Date Sent: 2016-09-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-22
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: My bank holds transactions for days in order to cause overdrafts and assess fees to the account. I was just told it does n't matter how and when you spend the money, they will post the transactions the way they want to. I was also informed that there is no way to ever get an accurate account balance because of this. I have done everything in my power to prevent this, yet my bank refuses to acknowledge that they hold the payments. I made a cash deposit that covered both of these transactions and was still assessed a late fee when my account was not overdrawn.. additionally they charged me XXXX to transfer XXXX from my savings. the fees caused the overdraft on my account, not my transactions. I do n't feel this is fair that I 'm held liable for their systems errors.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77054
Submitted Via: Web
Date Sent: 2016-09-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-23
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I have been banking with Regions for several years. I feel I was a victim of a very unfair and unprofessional practice that I want to bring to your attention. I shared my concerns with Regions and even escalated to Regions management, but I still and not satisfied with their response. I am facing a possible foreclosure and keeping track of my finances is very critical for me right now. I opened a second checking account with Regions a few months ago to help keep my bill money separate from my spending money because I was having trouble with overdrafts. For a variety of reasons, my main checking account was recently overdrawn but I had a few dollars in my savings account which has overdraft protection. Funds were pulled from my savings to try to cover the negative balance, but they were not sufficient enough to bring the account to the positive. So in order to keep my next pay check from being depleted trying to cover the overdraft, I deposited it into my XXXX checking account. I thought it would be safe there so I could access it when needed to pay my bills. Mind you I have 60 days to resolve the matter with my account and bring it positive before it is closed out. The problem is that Regions has a policy, called " sweeping '' where they will pull monies from any accounts linked to my name to help cover the negative balance. So on XXXX/XXXX/16 they deducted {$380.00} from my account without my knowledge. I was continuing to use my debit card for a few days thinking I had money in my account. After my card was declined on a transaction, I looked at my online transaction history to see what happened. I was confused until I saw a strange deduction from my XXXX account that went to my XXXX account. I then sent an email to the bank asking them to explain what happened and why they did it. They explained that their policy allows them to sweep all linked accounts after 15 days to try to recover funds. I do n't have a problem with such a policy, but it was new knowledge to me. I had another account with Regions a few years ago that closed and at no time did they " sweep '' my main account to help cover it. So I was not aware of that practice. I found out after I contacted customer support AND a few days later when they mailed me a letter stating they withdrew the funds. My problem is that in all fairness and respect, I should have been contacted prior to them withdrawing the funds so I would know what to expect. Taking money without my knowledge, to me is wrong. Again, having had several cards and accounts with Regions I admittedly always do n't read the super small print on the brochures when the cards arrive in the mail. But again, my trust and knowledge was formed from my years of service with them and the fact this has never happened before. How much more effort would it take to notify a consumer BEFORE such drastic actions as opposed to AFTER. Now both of my accounts are overdrawn. The amount the deducted did not even bring the account current. It simply overdrew them both. On top of that, the charges I continued to make with my card, caused overdrafts too. And what I think is fair, is they they credit me the cost of the overdrafts because I did not knowingly and willingly make transactions against a negative balance. The negative balance from my XXXX account was created when they took out the money. What I would like is for their process to be challenged so that the consumer has fair and advanced notice/warning of what is expected to happen. I feel they do n't respect me or my concerns. If I had several thousand in the bank I would not have even noticed it. But I do n't have that kind of money. And I am facing foreclosure and other pressing issues, and every dollar is important to me right now. I just want to be heard and respected. And I hope you can challenge them on this practice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30274
Submitted Via: Web
Date Sent: 2016-09-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-09-22
Issue: Billing statement
Subissue:
Consumer Complaint: I have not been consistently receiving my credit card statements from Regions Bank. I have received the following statements in 2016 : XXXX XXXX 2016, XXXX 2016, XXXX 2016, XXXX 2016. The only time I have received statements after the XXXX 2016 statement is when I called Regions to complain. I would get the next months statement and then no statements after until I called. Regions continually said they were mailed to my current address and verified with me my address. Finally someone at Regions ( XXXX XXXX ) discovered my statements were being mailed to an address I used a long time ago. In fact I have moved twice since using that address. The problem was in Regions system as I had not authorized that my statements go back to that address. I also can not sign up to view my account online as Regions has a problem with the online system. The online system will not let credit card only customers to sign up for an account. My identity could be potentially compromised due to Regions error in sending my statements to a wrong address. Also I think Regions should refund me any late fees for the months I did not receive a statement and provide me a copy of all of my 2016 statements and where they were mailed too.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32578
Submitted Via: Web
Date Sent: 2016-09-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-09-22
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: I have been getting charged OD fees when my account does not go negative. I have called once and they refunded but it has happed 2 more times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46041
Submitted Via: Web
Date Sent: 2016-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-21
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: I was charged hundreds in overdraft fees. The order in which the transactions would go through were manipulated in a way to where I would be charged fees when I should n't have been.
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: 2016-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-09-18
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: Regions Financial opened a savings account and credit card account without my authorization. After seeing what XXXX did to their clients I personally wanted to ensure they get investigated as well as I contacted them and they could not understand why the teller opened the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33157
Submitted Via: Web
Date Sent: 2016-09-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No