Date Received: 2016-05-25
Issue: Fraud or scam
Subissue:
Consumer Complaint: The Bank XXXX XXXX New York XXXX was involved in a fraud crime against me. It did not hold my money against money transfer. These transfers were done under duress as I was not in my right mind and afraid of something happening to me or my daughter. I will provide a paper file with this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70810
Submitted Via: Web
Date Sent: 2016-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-05-23
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: Regions bank in error ordered checks for my account and then charged my account {$30.00}. This caused a NSF fee on my account. After calling three days I got the {$30.00} fee refund but not the {$36.00} NSF. They also tell me my address is not correct even though I receive statements and mail. I have never moved addresses. I believe regions bank has compromised the security of my account by allowing checks to be ordered on my account without my permission and also for the address on my account to be changed in error and without my authorization.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 756XX
Submitted Via: Web
Date Sent: 2016-05-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-14
Issue: Other fee
Subissue:
Consumer Complaint: Regions Bank charges a Fee of {$1.00} if you pay early on your credit card account. Not interest, just my normal monthly payment I pay in full each month. Yes, they waived it, but I had to call. I 've paid early on various other cards under the same conditions, and never seen any penalty for paying a few days early. Please determine if this policy conforms with regulations. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75074
Submitted Via: Web
Date Sent: 2016-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-15
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: Name of Financial Institution against whom I am filing this complaint : Regions Bank, XXXX XXXX XXXX, XXXX XXXX, FL XXXX Names of Regions Bank employees against whom I am filing this complaint : XXXX XXXX, Mortgage Loan Originator, Vice President ( M : XXXX ; W : XXXX, XXXXXXXXXXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX, Regions Mortgage ( W : XXXX, M : XXXX, XXXXXXXXXXXX ) On XXXX XXXX, 2016, I requested XXXX XXXX XXXX refund my credit card the {$420.00} for the Regions appraisal fee that was PREMATURELY ordered by Regions Bank XXXX Prior to the appraisal, XXXX XXXX assured me that the appraisal for a property I was pursuing would not be performed UNTIL the home inspection was performed and any necessary repairs resolved by contract between me and the seller. I also informed XXXX XXXX that I would not be moving forward with Regions Bank for my mortgage financing. Nearly ( 6 ) weeks have passed with very little or no communication from XXXX XXXX regarding my request for reimbursement, even though via email XXXX XXXX stated it was being processed and that he would check on the status of my request. Furthermore, ( 2 ) weeks ago I escalated my request to XXXX XXXX 's boss XXXX XXXX, but with no resolution, communication or reimbursement to date. Therefore, as a next step to get this matter resolved, and my money reimbursed, I am submitting my complaint to the Consumer Financial Protection Bureau. Thank you for your assistance!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2016-05-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-12
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: Regions Bank has charged me {$140.00} in overdraft fees on my checking account despite the fact that I only went over {$3.00} and I had {$900.00} in my savings account at the time! I 've been banking with Regions for 15 years, but I 'll be closing all of my accounts within the next week. It should not be legal for them to do this to people.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30458
Submitted Via: Web
Date Sent: 2016-05-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-11
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: Retired at XXXX couple yrs ago. Yr ago rolled 401k to supposed conservative investment at XXXX XXXX. Lost $ XXXX first month. Couple months later went to Regions Bank on XXXX XXXX XXXX where had checking and savings. Told financial guy wanted to put $ XXXX in FDIC insured IRA like I had at XXXX XXXX. He said he had large insured IRAs paid more with variable yrs from 2 to 7 yrs up to 2.75 % only guarenteed .45 %. I asked him and branch manager sure they were FDIC insured and they said they were. They had stack of papers to sign on disclosure stuff. Split $ XXXX into 2yr, 3 yr, 4 yr, 5 yr IRAs. Several weeks later got large package in mail of documents and states all over them not insured. Went to bank and manager pulled up my account and he said my account is through there bank and insured for $ XXXX I put in bank. Looked through the original papers and found sheet they had hid in disclosure statements paper stating nothing insured. These guys lie and steal from seniors.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37064
Submitted Via: Web
Date Sent: 2016-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-09
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: When I opened an account with Regions Bank the put me in an " opt In '' status without asking me. Opt in means that the keep paying your debit charges even though you have no overdraft protection. As with a normal debit card it will refuse the charge if there re insufficient funds, they call this " opt out '' which should be the default like all debit cards. Now I have accumulated XXXX in NSF charges. They did not give me a choice as to " opt in '' or " opt out ''. why would anyone chose to pay a XXXX overdraft fee for a XXXX debt charge. They are a rip off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32940
Submitted Via: Web
Date Sent: 2016-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-05-04
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: Regions Bank is unlawfully reporting an account on my credit report. I was unlawfully " opted in '' for paying overdrafts when I never consented. I received overdraft fees and they charged me fees on a deposit advance product they had, when they said they would n't.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33406
Submitted Via: Web
Date Sent: 2016-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-02
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: On XX/XX/XXXX at a XXXX ATM a withdrawal transaction for the amount of {$200.00} took place without my authorization. A police report was filed at the police department located at XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX in which I was given a case number : XXXX. The police report was presented to Regions Bank to initiate an investigation in which it was concluded that the transaction was normal, that my card was used with my pin, which is FALSE. I then proceeded to the bank and was told that I should initiate my own investigation, which is very frustrating because if I do not show evidence of my own, the case will not be reopened. The bank does not want to help with the investigation to determine who obtained access to my personal information. The bank, I repeat, does not want to help me, so I come to you to solve this problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33138
Submitted Via: Web
Date Sent: 2016-05-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-02
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: We had {$8.00} in our personal checking account on XXXX/XXXX/2016 posted as available balance. We made a purchase for {$3.00} and {$4.00} the morning of XXXX/XXXX/2016. That night ( several hours later ) a charge came through from XXXX XXXX for {$140.00}. We knew this charge would put us negative and we knew we would have to pay a {$36.00} overdraft fee. This single fee was something we decided we would have to incur to get our bills settled. Regions Bank took it upon themselves to rearrange the transactions so the larger debit came out first. To me this is simply fraudulent activity. They arranged it so we would now have XXXX fees to pay. I called Regions customer service and told them I wanted to change my account number and opt out of overdraft protection so I could attempt to fix the damage done. The lady I spoke with assured me that since my account was already negative I would not have to change my account number. I was told Regions would not allow additional charges to be made to the account. At this point I was n't sure if the reason was because I told them I no longer wanted overdraft protection or the fact I was already negative. Either way, I believed what customer service had told me. Sure enough, XXXX/XXXX/2016, XXXX more charges were allowed to go through to my account. I have been in email contact with Regions customer service where they are trying to accuse me instead of taking responsibility for what their customer service told me. I called customer support and I was told the checks would be returned and a {$36.00} fee ( same as their overdraft fee ) would apply to my account for the returned checks. This is after I was told no more charges would be allowed through to my account. I wrote a responding email to customer support explaining to them their mistakes, again, and I will only be paying the {$140.00} and {$36.00} fee. They declined to offer assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34608
Submitted Via: Web
Date Sent: 2016-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes