Date Received: 2016-04-02
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: I have a Regions Bank LIFEGREEN CHECKING Account. Recently I had several charges from XXXX ( shipping charges that were not taken out of paypal acct but charged to my checking acct ), taken out of my checking acct but there was no money in that acct. This resulted in XXXX each {$36.00} NSF / Overdraft Fee 's ( thats XXXX XXXX = {$380.00} in NSF Fees alone ). Now the paypal amounts themselves were credit back but all eleven {$36.00} each NSF Fees were not. In one instance a XXXX fee if {$12.00} was re-tried to my bank acct resulting in XXXX NSF Fee 's ( XXXX each time ) for the SAME amount of {$12.00}. The bank did not refund the NSF Fee 's at all. Now I read about the XXXX Dollar Fine Regions had to pay in XX/XX/XXXX for bad practices with Overdraft FEEs. When I started having all the problems with NSF Fees, I was opted out or not opted in when I setup the checking acct ), I then I opted in for overdraft protection, but yesterday XXXX/XXXX/XXXX I received XXXX Overdraft Fees. The BS I got from Regions was they ahve XXXX types of overdraft protection and at their discrection they MAY allow payments to go thu and allow overdraft Fee 's. Whats the point of opting out or in of Regions Overdraft protection if I STILL get {$36.00} NSF Fees each time, no matter what. This is Deceptive and unfair business practices, and shows bad faith to consumers. Please investigate and Break the laws foot off in Regions Behind, if you know what I mean. Ideally I would like all eleven overdraft fee 's credit to my checking acct, and what punishment the law allows to reign down on Regions Bank. Here is my info from my checking acct. Date Type Description/Category Debit ( - ) Credit ( + ) Posted Balance XXXX/XXXX/XXXX OD FEE PAID OVERDRAFT ITEM FEE {$72.00} - {$96.00} XXXX/XXXX/XXXX DEBIT XXXX XXXX XXXX {$14.00} - {$24.00} XXXX/XXXX/XXXX DEBIT XXXX XXXX XXXX {$11.00} - {$10.00} XXXX/XXXX/XXXX ATM XXXX Regions XXXX XXXX {$40.00} {$1.00} XXXX/XXXX/XXXX XXXX XXXX XXXX TRANSFER {$34.00} {$41.00} XXXX/XXXX/XXXX DEPOSIT DEPOSIT {$5.00} {$6.00} XXXX/XXXX/XXXX ATM DEBIT Regions XXXX {$120.00} {$13.00} XXXX/XXXX/XXXX XXXX XXXX XXXX TRANSFER {$84.00} {$130.00} XXXX/XXXX/XXXX XXXX XXXX XXXX TRANSFER {$43.00} {$49.00} XXXX/XXXX/XXXX ATM XXXX Regions XXXX XXXX {$60.00} {$5.00} XXXX/XXXX/XXXX XXXX XXXX XXXX TRANSFER {$61.00} {$65.00} XXXX/XXXX/XXXX XXXX XXXX XXXX TRANSFER {$2.00} {$4.00} XXXX/XXXX/XXXX DEPOSIT DEPOSIT {$100.00} {$2.00} XXXX/XXXX/XXXX XXXX XXXX XXXX TRANSFER {$240.00} - {$97.00} XXXX/XXXX/XXXX NSF FEE RETURNED ITEM FEE {$36.00} - {$330.00} XXXX/XXXX/XXXX CREDIT CREDIT-RETURNED CK # XXXX {$12.00} - {$300.00} XXXX/XXXX/XXXX DEBIT XXXX RETRY PYMT {$12.00} - {$310.00} XXXX/XXXX/XXXX NSF FEE RETURNED ITEM FEE {$36.00} - {$300.00} XXXX/XXXX/XXXX CREDIT CREDIT-RETURNED CK # XXXX {$13.00} - {$260.00} XXXX/XXXX/XXXX DEBIT XXXX XXXX XXXX {$13.00} - {$280.00} XXXX/XXXX/XXXX NSF FEE RETURNED ITEM FEE {$72.00} - {$260.00} XXXX/XXXX/XXXX CREDIT CREDIT-RETURNED CK # XXXX {$27.00} - {$190.00} XXXX/XXXX/XXXX CREDIT CREDIT-RETURNED CK # XXXX {$11.00} - {$220.00} XXXX/XXXX/XXXX NSF FEE RETURNED ITEM FEE {$36.00} - {$230.00} XXXX/XXXX/XXXX DEBIT XXXX XXXX XXXX {$27.00} - {$190.00} XXXX/XXXX/XXXX DEBIT XXXX XXXX XXXX {$11.00} - {$170.00} XXXX/XXXX/XXXX CREDIT CREDIT-RETURNED CK # XXXX {$12.00} - {$150.00} XXXX/XXXX/XXXX DEBIT XXXX XXXX XXXX {$12.00} - {$170.00} XXXX/XXXX/XXXX OD FEE PAID OVERDRAFT ITEM FEE {$100.00} - {$150.00} XXXX/XXXX/XXXX DEBIT XXXX XXXX XXXX {$27.00} - {$51.00} XXXX/XXXX/XXXX DEBIT XXXX XXXX XXXX {$15.00} - {$23.00} XXXX/XXXX/XXXX DEBIT XXXX XXXX XXXX {$11.00} - {$8.00} XXXX/XXXX/XXXX ATM XXXX Regions XXXX XXXX {$240.00} {$3.00} XXXX/XXXX/XXXX XXXX XXXX XXXX TRANSFER {$240.00} {$240.00} XXXX/XXXX/XXXX XXXX XXXX BANK XXXX FEE REFUND {$36.00} {$2.00} XXXX/XXXX/XXXX DEPOSIT DEPOSIT {$5.00} - {$33.00} XXXX/XXXX/XXXX OD FEE PAID OVERDRAFT ITEM FEE {$36.00} - {$38.00} XXXX/XXXX/XXXX DEBIT XXXX XXXX XXXX {$26.00} - {$2.00} XXXX/XXXX/XXXX
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: 2016-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-03-31
Issue: Late fee
Subissue:
Consumer Complaint: I have a several months problem with payments for XXXX credit card in view I have made payments on time or before but Regions reject payments for regions technical problems, the situation is that I have just XXXX checking XXXX Bank account and just to pay on line monthly pressing checking account bottom but regions bank set up this account as a savings and change automatically the payments issue collecting from a savings account instead checking account. I have visited 4 times Regions bank branches but they refuse to fix this problem and I dont have another checking account. Now This negligence affect to my credit report for late payments and Regions'customer service don want to fix the problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2016-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-24
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: Regions banking officials denied my loan request based on age, gender and race. My full explanation has been forwarded,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37043
Submitted Via: Web
Date Sent: 2016-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-22
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: Regions elected to close my accounts. Because I was enrolled in their paperless program, I do not have copies of my records. I need the information from the following accounts in order to do my taxes. The only option I was given when I contacted my branch was physical copies, which I would be charged {$5.00} per page and {$5.00} per check. This is an overwhelming amount of money for my small businesses, since I had several checks daily. Also, I do not see the point of printing these records, digital is preferred. The following accounts are affected. Accounts : XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 711XX
Submitted Via: Web
Date Sent: 2016-03-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-15
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: I had an overdraft protection account with my bank, and they were withdrawing automatically from my account. When my financial situation changed, and my credit score took a hit, the bank decided to close my account, and not give me access to the protection of overdraft. Even though, they were still withdrawing payment. Once they closed account, they did not alerted me that automatic payment would stop on the balance of the account and the account was delinquent. They reported me to credit bureaus and after I asked and wrote to them, without a response to remove the information as I had continued to pay once I had pulled my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33133
Submitted Via: Web
Date Sent: 2016-03-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-15
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: This incident started out in XXXX 2016. My wife and I have been Regions customers for over 15 happy years. Recently this all changed with them. We, at the time, held XXXX accounts with Regions bank. XXXX personal checking account, XXXX savings accounts, and XXXX credit account. The credit account was there as an emergency account, never used. Here recently, I noticed when I signed into my personal account online the credit account looked different. One day I signed into the account and noticed that there was a {$25.00} balance on the account. Unaware of the reason for this balance, as we do not use the account, I contacted the main Regions customer service department. I was advised that the balance on the account was a {$25.00} annual fee that is assessed to the credit account. I was never aware of this fee as I had never had a fee in the past but never the less was eager to pay the fee as it is something that I apparently owed to the bank. I inquired as to why the amount was not pulled from my personal account as over {$100000.00} a year is process thru this account. The customer service department advised me that I had to actually go in and make the transfer to the account from my other accounts. The {$25.00} fee was paid as soon as I was aware of the charge and I assumed everything was all good. A few weeks ago I was advised by XXXX that I had a negative impact reported to my credit file. Upon further investigation it was discovered that Regions bank was reporting this account on all XXXX of my credit bureau files as a negative account. I made contact with Regions bank again as I was never made aware of the fee in the first place. I never received a letter advising that the fee was charged, I never received a phone call from their collections department, nothing. I spoke with XXXX XXXX, whom is a manager within their accounts department, and was advised that there was nothing they could do about it and I just had to deal with it. Unhappy with her professionalism, I took to their social media site where I was contacted by XXXX XXXX. XXXX would not reply to my online contact but rather called me to tell me that there was nothing they could do to correct this and again I had to deal with it. Again unhappy with this reply I made contact with the office of the CEO where I was given an email address to send the CEO an email. I sent the email explaining everything that has taken place and I received a letter today from XXXX XXXX ( Customer Satisfaction Specialist ) basically telling me the same thing. He states " since the payment was made more than 30 days past the due date, a notification was sent to the credit bureau. '' After receiving this letter, I made phone contact with XXXX XXXX whom confirmed that their collection department never tried to contact me and they made no effort, other than a statement that I never received, was sent to me. They made no effort to contact me about this and went straight to the credit bureau as shown in the letter. I need some guidance to rectify this situation. I have since closed my credit account as well as both saving accounts. I am currently working to close my personal account with them. As a customer of 15+ years, I feel they have taken advantage of me and my family. They all have advised me that the credit reporting will stay and they refuse to make corrections to my file.
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: 2016-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-03-06
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: I have been disputing fraud charges with both Regions Bank and XXXX since I found out about the charges on Saturday, XXXX XXXX, XXXX and Regions Bank has denied replacing my funds because the initial charge took place on XXXX XXXX, XXXX. The dates of the charges range from XXXX XXXX, XXXX to XXXX XXXX, XXXX. The dispute forms for the charges were received on Monday, XXXX XXXX, XXXX and faxed back to Regions on XX/XX/XXXX with additional dispute forms that had to be faxed to me and completed as well. I faxed exactly XXXX pages on Tuesday, XXXX XXXX. According to Regions ( the dispute response letter that I received dated XXXX XXXX, XXXX from XXXX XXXX - Consumer Support XXXX ), I will not have my funds replaced ( ranging from $ XXXX {$210.00} ) because the initial charge was reported outside of the billing statement, however, a {$36.00} overdraft fee was refunded to my account on XXXX/XXXX/XXXX as a courtesy. As long as I banked with Regions Bank, my account was never over drafted until this issue occurred. It was not until after the fact ( Wednesday, XXXX XXXX, XXXX ) that Regions Representatives advised of enrolling in the online billing statements. It bothers me because the larger charges took place within the billing statement time frame and they will not replace it. All they did was give XXXX credits of {$26.00} and the larger charges basically threw them out when those took place within the 60 day statement period. I wrote the president of Regions Bank and have yet to get a response. I 've reported this information to the XXXX and all I am getting is back and forth excuses between Regions and XXXX as to why my funds wo n't be returned to me. The individual that stole my bank card information resides in XXXX and I have been a XXXX resident for over 20 years and has never travelled to XXXX in my adult years, nor since banking with Regions. I opened my Bank account XXXX/XXXX/XXXX and thought this was a solid banking institution that I could trust and remain with for a long period, however, due to recent events, I am incorrect. I feel as though Regions do not care about their customers like it is advertised. There should be no reason as to why it has or is taking well over two months to resolve this matter. I have provided all required information to both Regions Bank and XXXX and I 'm still at a dead end. No one wants to help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32771
Submitted Via: Web
Date Sent: 2016-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-05
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: Regions Bank continues to charge my account for overdrafts when the funds are available. If there are enough funds for the charge but, others are pending they charge my account leaving it negative by less than what the NSF charges are. They are unethical when it comes to the fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77339
Submitted Via: Web
Date Sent: 2016-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-02
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: Since XX/XX/XXXX I have been hit very hard with multiple overdraft and nsf charges month after month from XX/XX/XXXX to XX/XX/XXXX to the sum of about XXXX. I have noticed that I get an OD then they run it through again and double the fees. I am XXXX years old and feel every month my bank Regions does this to me on purpose when I ask about whats going on Im told Were sorry Mam but there is nothing we can do. They have never givin me a dime back. I had my grandson go in and talk to them and he told them to take me off of overdraft protection and if the money is not in the account simply deny the transaction so shes not getting all of these charges. Your taking all of her money. But that hasnt helped they still run a XXXX XXXX debit through 2 or 3 times and charge me XXXX to XXXX dollars two or three times a month. They are taking my social security and my money for my medicine isnt there something that can be done. Please help me thank you for your time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30157
Submitted Via: Web
Date Sent: 2016-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-01
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: I have a checking account with regions bank and a unauthorised person took {$800.00} out of my account with out my permission. I still have my debit card in my possession and I never give anyone my info so I do n't know how this person took money out of my account. Both withdraws was taken out at a atm. I noticed the next day and immediately called my bank and filed a fraud report along with a claim. I called the bank a week later learning that they denied my claim because the transaction happened in the same state and because they knew my pin. I told them I still have my debit and can prove I was at work at the time the money was stolen. The bank never credited Me back my money. This was all the money I had and I need help getting it back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2016-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No