Date Received: 2015-12-17
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: I had XXXX large automatic drafts occur unexpectedly over a holiday weekend, this caused my account to not have sufficient funds available for swipes that occurred over the holiday weekend ( XXXX ) .I called the bank immediately after realizing the situation and plead my case asking for leniency and help with reversing some of the $ XXXX in overdraft fees alone. explained that I have been a customer at this bank ( regions ) for over 13 years and needed some assistance due to my financial situation. I then spent the next week making frantic transfers anytime my account was in danger of being overdrawn only to get hit with XXXX more overdraft fees when the sequencing of posting was off by who knows what. again I called the bank to try and determine what happened once again plead my case and ask for leniency to no avail.
Company Response: Company chooses not to provide a public response
State: TN
Zip: 37211
Submitted Via: Web
Date Sent: 2015-12-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-15
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: There were several unauthorized debit card transactions on my account from XXXX/XXXX/2015 to XXXX/XXXX/2015. On XX/XX/XXXX, XXXX transactions for a total of {$970.00} were unauthorized. On XX/XX/XXXX, XXXX transactions for a total of {$600.00} were unauthorized. I lost my card, and reported the card lost immediately, within minutes, of realizing that I had lost it. Regions bank refuses to return my money and blames me for stealing money from myself. It claims that " cardholder acknowledges PIN was not compromised '' when in fact the opposite is true. I live paycheck to paycheck and I really need my stolen money returned to me. What a horrible bank
Company Response: Company chooses not to provide a public response
State: FL
Zip: 33162
Submitted Via: Web
Date Sent: 2015-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-14
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: On Friday XXXX XXXX XXXX I deposited a XXXX check from XXXX XXXX in XXXX XXXX FL. The check was drawn on XXXX Bank which is also local. When the deposit was made through the drive through I was informed there would be a hold. I received an Notice of Hold for Savings Which will be attached. On said hold there is no explanation or reason for hold. After having deposited large sums before I felt something was wrong in regards to the full amount being held for XXXX days and to be made available on the fifth day. At no point was it mentioned why a hold was placed, I was instructed if I needed the funds available prior to the XXXX I needed to speak with the branch manager. On Monday on XXXX of XXXX I arrived at opening at the branch I went in to speak with branch manager and was informed XXXX XXXX was not available. I spoke with the XXXX whom I can not remember her name. At that point she attempted to tell me that the hold was placed due to the amount of the check and the fact I " only '' had XXXX dollars in my account. Just to preface these are not new accounts, I have had this account since XXXX and I have not had overdrafts. I requested in writing the reason for hold, and she told me that she was not able to provide that to me. I informed her that it was required for the financial institution to provide me with a explanation of hold ( whether or not it was because of amount of deposit, or an Exception hold ). She still insisted that the only document they were required to provide was the " notice of hold '' I already had. I left and called XXXX Banking and spoke with a XXXX XXXX over the phone and she did confirm that an explanation was warranted. According to XXXX XXXX she spoke with the branch and the head teller XXXX XXXX would have on written explanation available for me to pick up at the branch. I told XXXX XXXX I would be at the branch at noon. When I showed up at the branch I spoke with the same FSS and she said that XXXX XXXX could not provide me with that document since she was in the Drive through. I explained that I was promised the document and then was told to go to the drive through to get said document. after going through drive through I still did not receive an written explanation of hold. Lastly, according to Expedited Funds Availability Act Section XXXX XXXX b ) if the hold is place due to the size of the funds the first XXXX is to be treated as an general deposit, and the rest can be held up to 8 business days depending on the locality of the bank the funds where coming from. XXXX XXXX said that only applies to Cashiers Checks which is False. Also, if there is an Exemption Hold then the reason must be provided to the consumer in writing as well. I still have a hold for XXXX until the XXXX with no written explanation provided, and the verbal explanation of my account having only XXXX dollars still is not justifiable according to the Reg CC/ Expedited Funds Availability Act. Just as further explanation my online banking says the hold is till the XXXX however I was explained adamantly the date was going to be the XXXX.
Company Response: Company chooses not to provide a public response
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2015-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-11
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Regions Mortgage paid expense hazard insurance policy increase Of {$5000.00} to XXXX XXXX three months before insurance policy was due, without our consent or permission.That expense increase put a financial hardship on my husband and I.We can not afford to pay {$2200.00} month payment XX/XX/XXXX.Paid {$1400.00} in XX/XX/XXXX.Region Mortgage is cause us losing our home of 24 years.Region customer 14 years.We want Region Mortgage to cancel expense XXXX XXXX refund funds to escrow account and pay for reasonable insurance.Thank you I appreciate your attention and time to this important matter.
Company Response: Company chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-10
Issue: Other transaction issues
Subissue:
Consumer Complaint: I cancelled an account with XXXX in XXXX of 2013. They did not cancel until I returned any boxes or equipment related to the account. Therefore, I did return it to the local office and they confirmed cancellation. Following that, they charged me {$51.00}, which they took via ACH out of my account. I have followed up on numerous occasions to be refunded. They have sent me a statement every single month for 3 years now, that they owe ME XXXX. NOW, out of the blue, they are charging me for internet service. A service that I do not have nor have I ordered or had in three years. I have absolutely no connection with them other than the fact that they owed ME money. They are taking payments directly out of my checking account for random amounts and on various charges for things I have not purchased or received service for AT ALL. They are literally stealing from me. I want this account disconnected immediately and to be refunded ALL money.
Company Response: Company chooses not to provide a public response
State: TN
Zip: 37412
Submitted Via: Web
Date Sent: 2015-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-08
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: My wallet was stolen out of my car on XXXX/XXXX/15. I have talked with regions bank several times and am constantly getting no where with this company. I had called again on XXXX/XXXX/15 to talk to soltions department to refile the case. the next day it was denied. I have called several times and no one is willing to do anything at the main office or branch level. This company has STOLEN a total of XXXX in fraudlent charges and XXXX in fees that occured due to these fraudulent transactions. the total being XXXX STOLEN from this account.
Company Response: Company chooses not to provide a public response
State: FL
Zip: 32904
Submitted Via: Web
Date Sent: 2015-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-08
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Regions mortgage changed by mortgage to over {$140.00} at the beginning of the year. This was supposed to be for a " cushion '' on the Escrow account. Additional to the monthly amount, they also assessed a " cushion fee '' of a few hundred dollars, which I was not allowed to pay in parts. Besides that, they had been changing me over {$330.00} per month on Private Mortgage Insurance ( PMI ). Earlier this year, when a law was passed so that FHA loans would pay far less Insurance Premium, I called Regions to get a " the law is too recent and we have not established changes to procedures/PMI '', while I was getting offers to reduce this from other mortgage brokers. I did not refinance because I did not have the money to do so, thanks to the undue burden placed on me by Regions. These unnecessary extra charges of almost {$500.00} forced me to sell my house as it was just too much of an expense. Now I am forced to live in a rented apartment. Also, since all these charges were just too much for me, I was late on payments and Regions assessed {$120.00} for late payments. It is incredible that anyone would think that charging that much would be conducive to catching up on payments. It seems Regions was eager for the loan to default. Perhaps they wanted to keep the property as it had appraised significantly. Furthermore, Regions has taken over 50 days to refund me the escrow account balance, due to several mistakes, sending the payment to my old address ( the house I sold ), despite my phone calls and letter mailed to them with my new address. I mailed such letter the same day the sell closing took place. Please investigate this mortgage company as I am sure there are plenty of mortgagee suffering because of this. Thank you.
Company Response: Company chooses not to provide a public response
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2015-12-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-08
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: Back in XXXX of 2015 I wrote my daughter a {$50.00} check to give to her friend XXXX to pay for parking permit at college. Her friend XXXX lost the check and an unauthorized recipient found the lost check and changed the amount from {$50.00} to {$3500.00} and changed the name on the check from XXXX XXXX to Essence XXXX XXXX. This person deposited the money through mobile banking app for Bank XXXX XXXX. I bank with Regions and they have acknowledge that it was check fraud but they refuse to give me my money back while Bank XXXX XXXX investigates. This have been going on for over a month, my dispute with Regions Bank and today they told me it would take 90 more days until the investigation ends. Every time I go up to Regions they are always making excuses and telling me its going to take a bit longer. First they told me I would get my money back within 3-7 business days, then told me 14 days, now they are saying 90 days. I should have received my money within the first week when I filed check fraud with Regions Bank.
Company Response: Company chooses not to provide a public response
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2015-12-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-05
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: I deposited a check for {$19000.00} in my Regions checking account. The bank put a hold on that amount. Then the subsequently put another hold on my account for the same amount. This resulted in completely draining my bank account. My current balance is now - {$15000.00}. I went to the branch that put the hold on the check and they tell me that fraud prevention put the hold on the check. I asked them to explain how they can put two holds on same check and take money they did not give me out if my account. Their response - come back on Monday. Fraud prevention is closed and there is nothing we can do. So I can not even buy food because they are incompetent. The customer service representative refused to escalate or do anything. So we XXXX up and took all of your money and we are n't going to do anything until next week because its inconvenient. How can they put two holds on the same check and take money out of my account when they never gave me any money?
Company Response: Company chooses not to provide a public response
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2015-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-04
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: During a recent review of my monthly statement I recognized several unauthorized charges from the XXXX XXXX which were supposedly initiated by my XXXX. I immediately notified Regions Bank of my findings. Because of past experiences regarding a lack of follow through on the bank 's part I declined to initiate a dispute of the charges and instead contacted XXXX myself. I was able to request a refund for all of the purchases. The refunds totalled approximately {$450.00}. I placed a follow up call to Regions requesting a refund for any overdraft fees charged as a result of these unauthorized purchases. I was given a blatant " no '' by both the CSR and her supervisor. I do n't feel that I should be charged overdraft fees for purchases which were refunded especially since I had to pursue the unauthorized charges myself to get any true resolution.
Company Response: Company chooses not to provide a public response
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2015-12-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No