Date Received: 2015-08-07
Issue: Billing disputes
Subissue:
Consumer Complaint: I contacted XXXX because they seem to offered great services are used their their fuel card a couple of times am I stopped using it because every time I will have to make a payment job and I was having trouble logging into my account. I was obligated to call and make a payment over the phone him with an expensive flat fee of {$15.00} for credit card processing over the phone so pretty much does the catch the lower your fees I want to fuel your gas tank for your trucks but then they charge you a {$15.00} fee to pay over the phone because every time I try to log into my account I would always never able to login. The XXXX month I decided to use it again no I would give it a second chance am I tried to login again to make a payment it was unsuccessful I made several calls about I was on hold for over XXXX minutes waiting for instructions to reset my password and be able to log into my account I was not able to login after following their instructions for several times and several times am I was ready frustrated I told him to please waive my fee that I will pay it over the phone. The XXXX month after being frustrated of nerve being able to log into my account after speaking to several of the agents and following their instructions step-by-step to reset my password I was not able to login I decided to cancel my account on not use the card anymore so I called her you asked to speak to a manager they passed me on the phone with the manager I explaining the situation he attempted to reset my password again unsuccessfully so I decided to Pay off my card balance and have my account close because I believe I was n't going to be using it no more I found it useful and from time-consuming for me he said are the total balance I paid it over the phone and he said my account was going to be closed.he was kind of rude I believe because he did n't want me to cancel their services but he was n't in the best mood now the next month I received a bill which I do n't understand why if I paid off my account I 'm on top of that they had added a {$80.00} fee for late charges him that I do n't understand why and since then I have n't paid them I 've been trying to fight with them and not I 'm not getting anywhere and every month they keep adding a late charge of {$80.00} I just I would 've never signed up to this account if I would 've known they were going to charge me fees on top of fees. And now this is beginning to affect my credit score.
Company Response: Company chooses not to provide a public response
State: FL
Zip: 33176
Submitted Via: Web
Date Sent: 2015-08-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-05
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: We are Regions Bank customers ; Account # XXXX. Last Saturday was the XXXX of the month, and Regions ' " Helpful '' FEE GENERATING SOFTWARE kicked in. Our Account was debited for 3 large Bill Payments to a. ) my Credit Union XXXX {$400.00} XXXX b. ) to my Electric Bill XXXX {$270.00} XXXX and c. ) to XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX. Last year, each of these payments had been re-set by me, with the personal assistance of one of Regions ' associates, for after the XXXX of the month, howeverRegions ' FEE GENERATING SOFTWARE paid them early on XXXX XXXX. What 's more, NSF FEES have hit our account in the amount of {$100.00}. Today is XXXX XXXX, and while the {$400.00} payment debited by Regions on the XXXX, no such payment has been received by XXXX XXXX as of this moment!. In addition, XXXX XXXX XXXX has charged me {$27.00} for NSFs reloating to not having received the {$400.00} payment, debited last Friday!!!
Company Response: Company chooses not to provide a public response
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-08-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-05
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I filed Bankruptcy XX/XX/XXXX and did not include in mybankruptcy filing my security interest in XXXX XXXX XXXX AL XXXX as I was not the debtor on this loan. Irecently received notices from Regions Bank that they wereseeking an automatic stay and co-debtor stay on XX/XX/XXXX. Motion was granted and I was ordered to pay attorney feefees in the amount of {$420.00}. I am asking the CFPB tointercede in this request for fees due to the following:1. I was never a co-debtor. I did not sign the promissory note. The note was signed by XXXX XXXX XXXX in her name alone. Iam not responsible for this debt and any fees arising fromactions on this debt, the debtor is responsible. 2. I did sign the mortgage along with my brothers accordingto the requirements of Regulation Z acknowledging myinterest in the security and my right of rescission. 3. Since I did not sign the promissory note, only XXXX is responsible for all debts arising from thelegal actions pertaining to this loan 's default and Regionsshould pursue her not me for any default/attorney feeson this loan. 4. I have not assumed or refinanced this loan in my name
Company Response: Company chooses not to provide a public response
State: NY
Zip: 14211
Submitted Via: Web
Date Sent: 2015-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-03
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: Account that I never over drafted to my knowledge. It shows I had XXXX accounts when I actually had XXXX. These people tried to pin XXXX accounts on me that I did n't know existed.
Company Response: Company chooses not to provide a public response
State: SC
Zip: 29673
Submitted Via: Web
Date Sent: 2015-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-01
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: My husband and I have been banking with Regions Bank for well over a year and have had very few issues with the service until we " opted in '' for overdraft protection on our account in XXXX 2015. Since we have done this, we have incurred ridiculous overdraft fees for amounts that are already taken from available balance and held pending for up to a week at a time. We do not keep a register but have never kept a register, always checking available balance through Regions app or their XXXX phone service before and after each transaction. After each transaction the amount is deducted from available balance showing new available balance. The problem is since we signed up for O/D protection items are not being paid without O/D fees. Transactions that used to show pending for XXXX days are now pending for a week or longer. At the time of these purchases the funds are available, the amounts are subtracted but when they post the money has disappeared and we are being charged fees for moneys already made unavailable due to these purchases. I admit that there are times we have used the O/D feature for unexpected expenses or for gas or such things on short pay weeks, but we do not abuse this it is only used for emergency purposes. For instance, my husband 's paycheck is deposited every Wednesday night at XXXX. Any fees that are incurred are automatically deducted from these amounts and then we know our available balance. XXXX XXXX, 2015 we had a positive balance of {$9.00} and had to have our air conditioning unit repaired so I went to our branch ATM and withdrew {$200.00} knowing that left us with a negative balance of $ XXXX+a {$15.00} fee. On XXXX XXXX, 2015, our vehicle payment was drafted for the amount of $ XXXX+a {$36.00} fee. These amounts should have left our account at a negative {$420.00}. We do not dispute these XXXX charges, but we are now sitting at a negative balance of {$550.00} as of XXXX XXXX, 2015, due to items pending since Monday XXXX XXXX, 2015 which these amounts were already removed from available balance at time of purchases. By the time all items are paid that should have already been paid we will be at a negative balance of {$1100.00}. We do not have a problem paying the {$420.00} that we should owe but we do have a problem with {$680.00} worth of fees and items that should have already cleared because the amounts were not available after each purchase was made. If the funds were available at time of purchase and subtracted from account balance information, why are we getting charged fees and the amounts again? Where did that money go because it was not spent when we knew it was no longer available? Sounds like our bank has a worse method of handling than we do. I spoke with the branch manager and with corporate office and they said there are no mistakes and nothing can be done to fix this. This is the second time XX/XX/XXXX this has been an issue, the first time they actually refunded {$210.00} worth of O/D charges that were incurred for the same reason. Perhaps that is how they stay in business, ripping people off of their hard earned money, telling them there is nothing they can do about it, and they just eat it. Well, I do n't want to eat it anymore, and like many others stories I have read I 'm not the only one they have done this to. We have " opted out '' of O/D program and will most likely be " opting out '' of their services as well.
Company Response: Company chooses not to provide a public response
State: TN
Zip: 371XX
Submitted Via: Web
Date Sent: 2015-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-31
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: I bank with Regions bank. I overdrew my account by {$26.00} purposely to get gas to go to work until payday on XXXX. XXXX. I expected this. On XXXX XXXX I checked my account on the regions bank mobile app it was negative {$210.00}. I was enraged. I immediately called the bank. The CSRs brushed the situation off saying there was nothing they could do. I had to get out of my character just to talk to a manager. He was also rude accused me of lying and opting in to overdraft coverage to take money when I did n't have it. I exploded, I was insulted I have been with this bank for at least XXXX years and never felt so disrespected. He finally agreed to refund {$100.00} of the fees and said he would notate the account so they would not credit the rest of my fees. I told him I would be in contact with my lawyer and hung up the phone. They rearrange transactions to take money from their customers. All of the dates on my transactions changed to reflect negatively and overdraft my account. This is flat out robbery!!
Company Response: Company chooses not to provide a public response
State: GA
Zip: 31792
Submitted Via: Web
Date Sent: 2015-07-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-28
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: Recently, an agent of Regions bank solicited me for a Home Equity Loan he knew from previous contact I might be interested in. Months ago a deal fell apart because of the upfront money Regions required of me. I was n't willing to use all my savings to get the loan. In XX/XX/XXXX when he called I told this agent that XX/XX/XXXX my mortgage would be under XXXX and at that time I would try again with Regions and other institutions. XX/XX/XXXX he called saying Regions had a great deal I would qualify for. The deal was not a good XXXX considering the market rate at the time was a whole point or more lower than what he was telling me was a good deal. He knew already how fabulous my credit score was ; Regions ran it again, and it was XXXX, I have no other debts, other than this mortgage. Now I ask you, why would that bank try to excite me about a rate of 4.25 & possibly getting it as low as 4 % for me, when they had to know home equity rates were around 2.75. Yes, I am a XXXX American woman, why am I not offered the best available when I more than qualify. My current home loan rate is 5.875, which when acquired in XX/XX/XXXX was a good/best rate at that time. I 'm looking for a better rate to continue my attempt to pay off the property in less than XXXX years, which is why a re-finance is not in my interest because of the XXXX of dollars added in that process.
Company Response: Company chooses not to provide a public response
State: FL
Zip: 32566
Submitted Via: Web
Date Sent: 2015-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-07-27
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have called several times to Regions to correct the reporting of my loan to the credit bureau. I have request Regions send me a print out of all payments paid from the beginning of loan. Regions Mortgage has n't sent anything or correct the file.
Company Response: Company chooses not to provide a public response
State: TN
Zip: 38017
Submitted Via: Web
Date Sent: 2015-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-27
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I opened an account at Regions bank in early XXXX 2015 using a promotional code XXXX. I contacted Regions via secure message to verify the promo code was on my account because I had to open it online. The responses were : '' XXXX, If it has been more than 120 days after meeting the last requirement and you still have no record of the receiving the statement credit, you may contact us using any of the methods listed below so that we may investigate this promotion further and file a claim on your behalf. XXXXOn Fri, XXXX XXXX, 2015 at XXXX XXXX XXXX Wrote : What should I do if I fulfill the requirements and do not receive the promotion within the time frame? On Fri, XXXX XXXX, 2015 at XXXX, Regions Bank Customer Service Wrote : XXXX, I do understand your concern at this time. As mentioned in the previous email, we are unable to determine if the code is applied to your account. Therefore, if all requirements are met, the credit should post to your account within 120 days of the last requirement. I apologize for any inconvenience this issue may have caused you at this time. If you have any other questions or concerns, please do not hesitate to email. Regions XXXX XXXX is always here to help. If you have any other questions let us know. Thank you for banking with Regions. XXXX '' When I contacted them after meeting the debit card requirement to verify I met that, and after my qualifying employer direct deposit went in about verifying that as well, I was told something else entirely. Regions now claims ( after I fulfilled the promotional terms ) that because I was a customer years ago that I do n't qualify for the offer. I have sent several messages informing them of their offer terms as advertised by them, and they still refuse to make good on the terms of the offer. Instead, they tell me to go to a branch, where I am certain I will be told there is nothing they can do. This is the exact text of the offer advertised : '' * Offer valid in select markets only ; including XXXX XXXX, MO, XXXX, TN, and XXXX, NC. {$200.00} bonus offer may not be combined with any other offer, does not apply if you already have a Regions checking account, only applies to personal XXXX checking accounts, and may be withdrawn at any time. To earn this bonus, you must meet all requirements of the offer described above within 60 days of opening your new account. If earned, the bonus will be issued within 120 days of meeting these requirements, and will be in the form of a credit to the new checking account, which must be open at the time the credit is issued. All XXXX checking accounts require a {$50.00} minimum opening deposit. The Annual Percentage Yield ( APY ) paid on LifeGreen Preferred Checking accounts is determined by account balance and, as of XX/XX/XXXX, was 0.01 % for all balances. Regions may change the APY at any time. Fees may reduce earnings on XXXX Preferred Checking accounts. No interest is paid on other XXXX checking accounts. A monthly fee may apply to your XXXX checking account, depending on account type, but this fee may be waived on some accounts if certain conditions are met. For accounts opened in Iowa, certain account fees are subject to Iowa State Tax of 6 %, which will be assessed at the time the fee is charged, unless exempt. Taxes are the responsibility of the recipient. " I am a resident of XXXX XXXX, MO, and was not currently a Regions customer before opening my checking account. I qualify for the offer. If Regions wanted to exclude those who have EVER had an account with them, that should have been stated in the offer terms.
Company Response: Company chooses not to provide a public response
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2015-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-07-24
Issue: Billing disputes
Subissue:
Consumer Complaint: Late Fee & Finance charge on each statement not allowing the account to be paid off with XXXX / XXXX. When calling representative " XXXX '', as well as others give credit of Late Fee after escalated words but new charge is reapplied. Late Fee is accessed even if there is not a balance on the account. Most recent statements have a Late Fee of {$77.00} which accumulates. Told statement is mailed by the XXXX but receive hard copy by the XXXX of the month. When calling the representative will not give you a Supervisor. Company holds payment past due date and mails statement out later than the rep. will state on the phone when speaking with XXXX XXXX. Feels like black mail and sheer embezzlement of funds.
Company Response: Company chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-07-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: Yes