Date Received: 2015-06-16
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: In XXXX our bank sent us a letter requiring us to prove we have flood insurance ( due to a Heloc acct. ) .Because of misinformation received from XXXX XXXX, a third party vendor, that evaluates FEMA maps, the bank has charged us for insurance. We sent the required info to show we are not in a flood zone. This was verified in writing by a certified letter by XXXX XXXX and our insurance company.All this was FAXed to the bank per their request. Thru many phone calls, e-mail and faxes from us and our insurance agent, we are unable to get anyone to clear this up. Every time we contact them we are told they need some new form /document ( up to XXXX now ) in order to remove the charges. We have been to the bank several times and are told there is nothing they can do because it is the loan dept ( not the bank ) which is located in another state. The loan was opened in our state at our branch office!
Company Response: Company chooses not to provide a public response
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2015-06-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-13
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I recently opened a bank account at Regions Bank in XXXX Georgia. My initial deposit was a cashier 's check from XXXX XXXX. I was told there would be a hold on funds being a new account ; understandable. However, the banking associate told me after processing that because it was a cashiers 's check, funds would be available the next day on XX/XX/XXXX. I returned to the bank on XX/XX/XXXX to deposit another check from XXXX XXXX. At that time I was told I had a negative balance and a hold was placed on the check. That afternoon I received XXXX pieces of correspondence from Regions. XXXX was my check card, the other a letter informing me " We have confidential information that indicates that the check may not be paid. '' XXXX direct ) the funds were to be made available on XX/XX/XXXX. All money that was originally released to me was held by the bank to cover the opening deposit in my savings account, which I was required to open. I have not seen one penny of my money and it has been nine days since I opened the account. When I tried to withdraw money today, they told me my account was frozen. No date was given when funds would be available. The manager told me that the fraud monitoring dept. placed the hold and being Saturday nothing could be done. I would like to have access to my money and close my account and take my business elsewhere. My card was also cancelled because I have not used it yet and my pin number was changed without my knowledge.
Company Response: Company chooses not to provide a public response
State: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2015-06-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-11
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I presented a loan application for a Equity line of credit against an investment property, after I interviewed with XXXX XXXX, in Regions Bank I have been banking with then about 5 years or more, and he told me I should be able to qualify without problem after he reviewed all my documentation. I made {$110000.00} yearly, I have been in the same job for 3 years, in the same line of work since 2001, the house is free and clear and they will have XXXX lien position. I have a credit score of XXXX according to credit report they pulled from XXXX, they told me the score required for qualification was XXXX but they still denied me because they said their " custom credit score is only XXXX!!!!
Company Response: Company chooses not to provide a public response
State: FL
Zip: 33436
Submitted Via: Web
Date Sent: 2015-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-06-11
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I bank with Regions bank and everytime I visit this new branch in XXXX XXXX XXXX, fl I have an issue making deposits or withdraws.I was called by the tellers telling me my bank card was closed out and they would like me to come in to issue a new one.One week passed and the new card was not there.So they canceled that card and ordered another and that XXXX never showed up as well.I became upset and asked to speak with the manager and she was rude.She told me I would just have to wait to get a card or keep coming in to make deposits and withdraws.I ended up going to another branch location in XXXX XXXX and they took care of the whole mix up and situation.I just wanted to withdraw and deposit my money.I am disappointed because i received a phone call today from the other Branch on XXXX XXXX saying that they have to right to close my account for any reason and will be doing so today, so i needed to come pick up the check or they will mail it out.XXXX was the managers name very rude, unhelpful and unknowledgeable.
Company Response: Company chooses not to provide a public response
State: FL
Zip: 32808
Submitted Via: Web
Date Sent: 2015-06-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-09
Issue: Other fee
Subissue:
Consumer Complaint: The company has charged us a " Customer Report Fee '' of {$50.00} which we did not request or authorize. This fee is a scam and we refused to pay it. As a result of our refusal to pay this improper fee we were levied another fee of {$75.00} which was labeled as a " Late Fee on Previous Invoice. '' A total of {$250.00} in improper Customer Report Fees and Late Fees on Previous Invoices have been charged.
Company Response: Company chooses not to provide a public response
State: CA
Zip: 92701
Submitted Via: Web
Date Sent: 2015-06-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-06-08
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: An employee stole my daughter identity and went to regions bank of XXXX and opened up a business account added my daughter and her self on the account my dauther had no knowledge of this bank address in where account was opened is XXXX XXXX XXXX XXXX XXXX fl XXXX contact person foe the bank that know what happen is XXXX XXXX
Company Response: Company chooses not to provide a public response
State: FL
Zip: 33054
Submitted Via: Web
Date Sent: 2015-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-06-06
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: Regions bank did a hard inquiry and assesed my credit information on XXXX/XXXX/2014. I have n't applied for credit at this bank nor do I owe them. They were not given permission to look into my records. I contacted them and they said that they were not aware of any inquiry and could n't give me a reason why they looked at my credit.
Company Response: Company chooses not to provide a public response
State: LA
Zip: 71202
Submitted Via: Web
Date Sent: 2015-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-05
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: On XXXX XXXX our account had {$180.00} without anything being in the negative the bank took out {$140.00} for Overdraft fees and still never showed a negative. We had XXXX pending items XXXX XXXX which was going to be credit back in a couple days for {$180.00}. Our account never showed negative, and they never had to cover this item. The bank is telling me they wont refund our money. We feel as if they stole our money. I dont understand how with something pending how they can automatically charge you a OD payment with the item was not yet paid by them. This was a error and it was corrected as well as why are we being charge OD fees when they didnt have to cover anything?
Company Response: Company chooses not to provide a public response
State: FL
Zip: 32536
Submitted Via: Web
Date Sent: 2015-06-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-03
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: I have been getting wrongfully charged overdraft fees since since XXXX by Regions bank.
Company Response: Company chooses not to provide a public response
State: TX
Zip: 77840
Submitted Via: Web
Date Sent: 2015-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-06-02
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: This is letter that I wrote to the XXXX Regions Mortgage ... I THINK YOUR LITTLE SURVEY IS BOGUS, BECAUSE IT ASK ONLY QUESTIONS THAT MAY YIELD FAVORABLE RESPONSES. Right off the bat I did not find a response that would adequately answer to my experience with my modification or the service I got from my lender. It was HORRIBLE is the best way I can put it until the last minute when I was about to go into foreclosure they felt obligated to give me options after numerous repeated request for such avenues. Even then, I was pigeon hold into one and was told I did not qualify for anything else. If they had been forth coming earlier in my demise even with this option, my situation would not have become so desperate. Instead they string me along, sending people to my house each time charging me a fee for the visit, claiming they are seeing if anyone lives at the house, despite the fact I was calling them at least XXXX per week, all this on top of the late charges and fees they added. I depleted my savings as a result trying not to be homeless and on top of that, all because I was assigned a person I could never get on the phone ; but was told any associate could help me and when I spoke to any associate, I was told decisions had to be made by my delegated representative. For months this continued until it became a foreclosure situation. I will raise my children to find ways to never use banks or get mortgages ; I see your survey as an extension of that fraud of the modification process. I was told that my mortgage would be reduced. After signing the modification which I had no bargaining input towards I was rushed to sign the deal. Before I could get the new modification amount they stipulated, it went back up to the amount I could not pay and their reasoning for this was escrow shortage, which essentially put me back into the predicament I was in, in the first place. If that is n't fraudulent I do not know what is ; this modification, like your survey was just an exercise to scam the US Government into thinking that your are complying with their demands at the expense of poor, vulnerable and powerless people. Shame on you, but we reap what we sow do n't we. How long do you think people will put up with your financial tyranny, enjoy it while it last because what you are essential doing is cultivating a culture of distrust, disgust and anger for such institutions as well as training us how to exist and find ways around doing business with you. The Banks and XXXX have very poor customer service, your product does not help anyone but yourselves and is the equivalent of a " XXXX card game '' where the pawn never wins. Your business model seem to be " ride it until the wheels fall off '' and is void of any sustainability measures. Please let his be the last BOGUS survey you annoy me with, I have been bamboozled long enough by you, at this point it is just plain torture. -They followed up with free financial counseling with a warning that information gathered would be used to collect any/all debt.
Company Response: Company chooses not to provide a public response
State: TX
Zip: 77407
Submitted Via: Web
Date Sent: 2015-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No