Date Received: 2015-12-01
Issue: Settlement process and costs
Subissue:
Consumer Complaint: I recently refinanced my home with only 4 years left to get a better interest rate. XXXX XXXX XXXX and XXXX XXXX XXXX of Regions bank, XXXX handled my case. I had to go to XXXX XXXX, Manager, because NOTHING about how my loan process was supposed to go had been as I was told. As manager I was having HIM check behind XXXX XXXX XXXX. I was promised over and over again that upon signing my interest rate would be reduced lower than 3.5 % once my loan was set up on automatic bill pay. When I was forced to pay almost XXXX unexpectedly in this process, I went back up to the bank only to learn that they were blaming this on another department and disavowed any knowledge of this little " glitch '', my auto bill pay was set up for the wrong time of the month, and most importantly is was set up WRONG, by XXXX XXXX so that I WILL NOT be getting the reduced interest rate through NO FAULT of my own. When I suggested today that I may need legal council since no one seems to have any answers for me, XXXX XXXX informed me that he would no longer talk to me. I am leaving the country in the morning for an extended amount of time and they know this. I think they just expect me to go away and let them get away with this, but that is not going to happen. I need to report this to you for processing.
Company Response: Company chooses not to provide a public response
State: TN
Zip: 38125
Submitted Via: Web
Date Sent: 2015-12-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-29
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: Regions Bank has taken XXXX out of my account because of overdrafts. I know this is my fault, but why do they keep putting thru checks that can not clear more than once? Im XXXX and they have no mercy on me. Why are these charges so expensive? Cant they be XXXX dollars? My son is going to help me, but this is a disgrace for a bank to be this greedy!
Company Response: Company chooses not to provide a public response
State: GA
Zip: 30506
Submitted Via: Web
Date Sent: 2015-11-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-11-27
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: I received a NSF fee for an item even though I had a positive balance on my account after the item was charged. All of the items posted and left me with a positive balance at the end of the business day on XXXX/XXXX/2015, but on XXXX/XXXX/2015 the item was termed and I was charged an NSF fee. My online banking shows no sign that I was ever in the negative- I am attaching a copy of the bank statement. I spoke to XXXX people at the bank today, XXXX of which stated they were supervisors ( XXXX and XXXX ) who all stated that Regions Bank 's back office support is different than what their customers see via online banking. This is extremely disturbing- this ultimately means that the information related to the consumer is incorrect and can result in extra fees unavoidable to the consumer. I was advised that pending transactions from XXXX took precedent over all other charges that were posted the same day, even though the pending transactions did not post until XXXX/XXXX/2015. I hope I 've explained my complaint in a way that can be understood- I 'm still perplexed myself at the entire situation. The bank statement will clarify why I feel Regions Bank is acting unlawfully in not presenting all information to their consumers to assist in avoiding extra fees.
Company Response: Company chooses not to provide a public response
State: FL
Zip: 33884
Submitted Via: Web
Date Sent: 2015-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-11-26
Issue: Shopping for a loan or lease
Subissue:
Consumer Complaint: I stopped into a bank ( Regions Bank ) to ask the process for an auto loan. I was told to send a copy of the title and bill of sale to start the process. Once I submitted the documents additional step that were not acceptable were presented. I informed the bank I did not want to pursue business with them. At that point they informed me they had pulled my credit days before. I never was told anything about access to my credit file during my initial introductory meeting, I never authorized access and never started any loan process.
Company Response: Company chooses not to provide a public response
State: TX
Zip: 77429
Submitted Via: Web
Date Sent: 2015-11-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-25
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: I have been charged multiple overdraft fees to an account I have at Regions bank despite being opted out of overdraft coverage and being told any transactions would be declined instead of allowing the account to become overdrawn. This account is primarily used for bills and other small transaction so it never keeps a high balance. There have been a few occasions where my account has gone over, but I was not charged a fee because Regions is supposed to decline charges that go over and it is their error when it does. Or so I 've been told. On XX/XX/XXXX, my balance was {$30.00} and a charge for {$12.00} was made by me bringing the balance to {$17.00}. I was then charged a {$36.00} fee for unknown reason which overdrafted the account. Being unaware that I was charged this fee, XXXX more charges tried to go through. Instead of being declined, they were allowed to post to the account and I was charged an additional {$72.00} in fees bringing my account to - {$200.00}. No explanation was given to me for these charges or why they were allowed to post. They did, however, try to convince me to opt in for overdraft protection which would have done me no good. Now, on XX/XX/XXXX, I checked my account to find it overdrawn by {$49.00} because of an account adjustment the bank has done for reasons I can not figure out. A bill was paid for {$150.00} and a transaction for {$58.00} was deducted, leaving the account at a posted balance of {$0.00} as of XX/XX/XXXX. The adjustment was done XX/XX/XXXX with no explanation.
Company Response: Company chooses not to provide a public response
State: LA
Zip: 710XX
Submitted Via: Web
Date Sent: 2015-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-24
Issue: Other fee
Subissue:
Consumer Complaint: Here are the key facts : I opened a credit card ( Regions Bank DBA XXXX ) in college at XXXX University ( XXXX - XXXX ). Date account was opened XXXX/XXXX/XXXX. I paid as agreed until the card expired I left college, got married, changed to my married name, and pursued joint credit products to support new our new lifestyle The original account went dormant ( address was still maiden name and student address at XXXX Univ. ) Regions Bank ( DBA XXXX ) applied an account service charge in XXXX, but consumer was not made aware. Regions Bank should have known that account was dormant because no subsequent card was activated since late XX/XX/XXXX. Regions Bank reported card past due 180 days. Customer discovered mistake in XXXX XXXX during mortgage refinance attempt ; fees skyrocketed when applied jointly. Customer notified Regions Bank - account was closed ; customer service representative pledged to correct credit history. Customer had to remove name from mortgage application to get fees back down ( fortunately husband 's credit score is XXXX - based on all jointly held accounts since XXXX ). I was not able to get a mortgage loan to refinance my existing loan at prevailing rates. The only way to move forward with the transaction was for my husband to refinance the loan in his name only. This makes no sense because in 17 years ( since XXXX ), every one of our credit projects have been held jointly by both of us. He has an XXXX credit score, and mine has been marred by this erroneous information that the lender ( Regions Financial ) refuses to correct. Customer reviewed credit in XXXX ( XXXX ), and discovered adverse data had not been corrected. Regions must have applied the service charge in XXXX XXXX because my account went 30 days past due in XXXX XXXX. Customer contacted Regions Bank - customer service representative said " nothing could be done. '' Customer sent letter to Regions in XXXX XXXX. The bottom line is that I feel like I have been a victim of an institutionalized credit system. I have paid all bills presented to me. And I have paid all debts incurred by me. I am very upset that my credit history has been so negatively affected by a creditor who applied service charges on a card that I did not receive ; that I did not activate ; and that I did not use for personal benefit. I feel like the credit system has failed me and my family. Thank you so much for your help. I read the XXXX XXXX article titled " The agency that 's got your back. '' And it gave me hope that my voice might be heard. ''
Company Response: Company chooses not to provide a public response
State: GA
Zip: 30341
Submitted Via: Web
Date Sent: 2015-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-19
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: Since XX/XX/XXXX my father has had a business checking account with Regions Financial Corp, formally XXXX, in XXXX, AL. The account was in his name and my mothers name. In XX/XX/XXXX I bought the business and changed the name of the business so I went to Regions Bank and opened up another checking account in the new business name which has my name only. My name was also added to the XXXX account meaning that XXXX names are now on that account. When I went online to see my accounts, I could only see mine not the one with XXXX names on it. I went in my local branch and asked how can I see both accounts on the computer screen at the same time. The banker told me I had to put {$50.00} In another account for 180 days put that account in my daughters name, she 's XXXX, and I could see all XXXX accounts after that XXXX account in my daughters name was set up. I do n't understand why I had to setup this XXXX account but I did it anyway. A few months went by and one day I went online to " bill pay. '' I wanted to make a payment on my car so I logged on, saw all XXXX accounts and punched the tab " bill pay '' selected " XXXX '', entered the date and amount and hit send. A week later I get a notice in the mail that I had over-drafted the account and was charged {$36.00}. I went to my branch and they showed me that I had to select the account from a pull down tab instead the website defaulted to my daughters account which has {$50.00} in it and the other XXXX accounts had plenty of money to cover the charge. The banker refunded the money and I went on my way. I month later I did it again, then the banker said he could not refund my money but instead showed me how I could change the default setting making my account the default. ( The website should have notified me that I was about to overdraft and that I need to choose another account to pull from with more money. ) I never understood why I wad to have this account anyway now it has {$14.00} in it. This past week I checked on my accounts online and noticed that my daughters account has {$0.00} in instead of {$14.00}. I went online and checked recent activity and noticed that in XX/XX/XXXX and XX/XX/XXXX I was nailed for monthly charges of {$10.00} and the final {$4.00} making the {$0.00} balance. I opened this {$50.00} account in XX/XX/XXXX and not once had a monthly fee charged until XX/XX/XXXX. I went to my branch and asked them about the recent fees. The banker looked up my account and said that the account was changed from a student account to a small checking account that has a monthly fee. The banker was confused as she did n't understand how this happened and said Regions does n't even offer this type of account anymore. This was Friday XXXX. The banker said she would look it over and get back with me and I never heard from anybody until Wednesday XX/XX/XXXX. That banker said that he checked with " operations '' and they ca n't refund the money because that account has been closed and there was nothing they could do about refunding the money. On that day XX/XX/XXXX, I went in and closed the XXXX account with the XXXX names on it and am now waiting for the auto charges to go through to close my account. I know its not much money at all, but I feel that Regions stole my money.
Company Response: Company chooses not to provide a public response
State: AL
Zip: 35226
Submitted Via: Web
Date Sent: 2015-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-11-17
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: I am a regions bank account holder first off I had a payment due on XXXX/XXXX/15 and they ran the payment through on XXXX/XXXX/15. Which is not right. I deposited money in my account on XXXX/XXXX/15 I was XXXX short and was advised by a representative on XXXX/XXXX/15 that I would not get a overdraft fee because it was not over XXXX On Monday XXXX/XXXX/15 I was given a overdraft fee. Also they said my deposit does not show that it was put in on XXXX/XXXX/15. It shows XXXX/XXXX/15. I immediately called the bank and spoke to managers. They have no records of the call. This is not right. I should not have been charged the over draft fee. I have had nothing but overcharges for overdrafts since day one with the bank. I want my account to given credit for the overdraft. They continue to do this to people and it is wrong!
Company Response: Company chooses not to provide a public response
State: TX
Zip: 77086
Submitted Via: Web
Date Sent: 2015-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-11-16
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: The bank is still putting the large amount first. My funds were not low when I had a deposit came in which the money should not been charge but taken from my account. I told XXXX XXXX that I wanted my money back. The case number is XXXX. If I had not money in there to cover it, it would have been alright then. My money was in there the night it was pending so there should not have been an overdraft and this is how they get their money. I do n't agree with the bank response. I want my {$72.00} back and told XXXX XXXX that and she said that she would get back with me but never did.
Company Response: Company chooses not to provide a public response
State: LA
Zip: 70058
Submitted Via: Web
Date Sent: 2015-11-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-11-15
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I have a {$500.00} revolving line of credit with Regions Bank. I am in the process of trying to close on a condo, so I paid {$300.00} last month and yesterday, XXXX/XXXX/2015, the account had a balance of {$190.00} in which I made a payment of {$200.00}. This a.m. I went into the branch to try to get an update statement showing the {$200.00} payment with a available credit of {$500.00}. Unfortunately, the XXXX branch manager could not produce an updated statement showing this payment and available credit. Unfortunately, I discovered Regions had assessed a {$37.00} paid in full fee and was able to produce a statement showing only this transaction. I also noticed that on this {$500.00} revolving account, Regions had " willy nilly '' assessed a ton of fees to this account throughout the time I have had this account. ANOTHER SEPARATE COMPLAINT : As I overpaid this account by {$2.00} ( stated as a credit on statement and refunded back to me at a branch ) when I paid account in full and requested an updated statement ; however, today, XXXX XXXX, 2015, I received a statement from Regions Bank treating the {$2.00} overpayment I made as a cash advance and has charged my XXXX balance account {$10.00} with {$1.00} in interest. Just criminal.
Company Response: Company chooses not to provide a public response
State: AL
Zip: 35226
Submitted Via: Web
Date Sent: 2015-11-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No