Date Received: 2015-06-02
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: Regions bank of XXXX Ala allowed my daughter in law to remove $XXXX from my account via electronic banking. I never opened an online account and to this day i still have no idea how internet banking is done i am a XXXX year old woman with very limited computer skills one day in XX/XX/XXXX as my son was home from XXXX i asked him what eb stands for in my bank statements he told me that usually stands for electronic banking that was the XXXX time i had ever heard of internet banking .. immediately after that my son drove me to the bank and i signed a document to never allow online banking again for any of my accounts I signed this on XX/XX/XXXX somehow my daughter in law who was XXXX aformer employee of regions bank managed to open the internet account once again and also changed all of my statements to paperless billing so that i had no idea that she had siphoned theXXXXXXXX dollars out my account until until XX/XX/XXXX.i immediately upon findng out that this had been going on filed a complaint against regions bank they admit having the documnet isigned never permitting internet banking and the did indeed refund XXXX dollars of the XXXX but only becuase those charges actually had XXXX name on them becuase she was paying her utilitie bills on her own house with my accounts . XXXX never had permission or any sort of power of attorney to access any of my accounts but regions bank also allowed her to cash in XXXX of my certificate of deposits each for XXXX and she put these into checking which she withdrew either per internet banking or per mobile banking . in any case i did not agree that regions should be satisfied only refundig me XXXX when they allowed a total of XXXX to be taken without my permission thru electronic bankng so i hired a lawyer ...the legal dept is one of the rudest most hateful groups of people i have ever experienced they told me to never call there again or to never send an e mail and that theuy had such a large team of lawyers and financial backing that they could keep the case just in papaerwork longer than i would live ...my lawyer whom i had hired also gave up after almost a year of fighting with them because he said he refused to deal with such evil hateful peol,e . in any case i have never stopped calling and wriitng regions bank demanding my money back ..they even refused to give me the XXXX used to access my accounts recently my son who returned from XXXX to help care for me did indeed convince the regions bank by calling the corporate offices that they must give me the ip adresses which we finally have .. all XXXX of the ip adresses lead back to my daughter in law XXXX her work compuetr XXXX her home computer and XXXX her mobile phone . my son also re instated the claim for reimburstment but today we recieved a phone call from regions bank stating that this time after reviewing my case they refuse reimbursment because there are credit card payments for a credit card in my name .. back in XX/XX/XXXX and also every time i have called or written regions i also give them the important information about the fact that XXXX also had stolen my XXXX credit card would max it out and pay the monthly charges thru my accounts using internet banking .. XXXX again she used papaerless billing for the XXXX card so i never saw the bills . i signed a document saying no more electronic banking XXXX weeks later egions allowed over XXXX dollars to be taken from me i demand my money be reimbursed
Company Response: Company chooses not to provide a public response
State: TN
Zip: 37918
Submitted Via: Web
Date Sent: 2015-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-01
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: About XXXX years ago i bought my house. The second mortgage was through XXXX since bought out by Regions Bank. I have paid that note for XXXX years but for the last several years noticed that my balance had only been reduced by about {$800.00} It is an equity line of credit. Regions told me that they performed a random credit check on me about four years ago and that it came back unfavorable. I was not informed of this. Because of this they locked my account and would not let me take money out or use my debit card associated with this account. They continued to charge me {$50.00} a year service fee, and i could do nothing about it. This happened about four years ago. Keep in mind that my account was locked because of a random credit check not because of constant late payments to them. I could eliminate the {$50.00} fee by using my debit card XXXX a year but they locked my account without my knowledge. About XXXX years ago i called Regions and tried for a loan modification or to get this interest only loan to be changed to a permanent loan. I sent in my paperwork, proof of income, all docs. A few weeks later they told me that it is actually better to stay on current loan payment because changing over to a fixed interest rate would raise my payments by almost double. Regions Bank told me it would be cheaper to keep my current loan. So in my trying to get fixed payments to lower my balance Regions told me that its less expensive to keep what im paying now than to convert over to a permanent loan. Well i have paid about {$15000.00} towards this loan over the last XXXX years and my balance has only reduced only about {$800.00}. So Regions keeps charging me a service fee, locked my account due to a random credit check and did not convert my loan over to a fixed rate to finally pay down some principal. About XXXX months ago i called Regions to get some help, they transferred me to XXXX different departments and the person i spoke to actually said to me that that is how interest loans work. So they did not try to help me. I sent them XXXX letters explaining this very thing but Regions did nothing. They did send me paperwork to try to modify my loan again but this does no good. I do NOT qualify, why? I have a current foreclosure on my credit and I am behind on all my mortgages. So with a FC, constant late mortgage payments, credit cards suing me I do not qualify for anything. I recently received a letter from XXXX, XXXX XXXX XXXX XXXX. stating my account was going to FC unless i pay the entire {$59000.00}. This to me is PREDATORY LENDING. They did not change my loan over to a fixed rate and told me to stay on current loan, they keep charging me a service charge and will not allow me to access my own money. In the last XXXX letters i sent Regions i asked if they would keep my payment as is and let me pay for XXXX years ( XXXX years in total ), but converting loan over to a fixed rate, so that principal can be reduced. They did not respond they only sent my account to FC attorneys. Please help. Am i going to have my house taken away because of this? I recently was able to modify the XXXX mortgage on that property and that bank lowered my payment a little over {$200.00}. Please let me know what can be done. I have now received the foreclosure letter. Now Regions is telling me to get out of the house. CAN YOU NOT HELP ME?????
Company Response: Company chooses not to provide a public response
State: TX
Zip: 78254
Submitted Via: Web
Date Sent: 2015-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-30
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Regions Mortgage is reporting my mortgage incorrectly to the credit bureau.
Company Response: Company chooses not to provide a public response
State: TN
Zip: 38017
Submitted Via: Web
Date Sent: 2015-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-29
Issue: Billing disputes
Subissue:
Consumer Complaint: XXXX XXXX added a {$75.00} charge to my gas bill because my payment I mail in was XXXX cents short due to a typo. I called and spoke with the Rep. I think XXXX and ask to dispute the Charge of {$75.00} as being excessive for being short XXXX cents and I wanted to cancel my cards until we cleared up the matter. He email me a form which I completed and was told I would be contacted by another representative. No one has contacted me and every 2 weeks XXXX adds another {$75.00} plus interest to my bill. I have no way of getting them to stop adding more charges. I have contacted the Governor of XXXX and the Texas Attn General office for help.
Company Response: Company chooses not to provide a public response
State: TX
Zip: 76712
Submitted Via: Web
Date Sent: 2015-06-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-29
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: I am not opted in to any overdraft " protection '' at my bank. They allowed XXXX debit card transactions to complete on my account for XXXX and XXXX. They stated that even though they are debit card transactions and not electronic funds transfers or checks, they are not considered " XXXX '' debit card transactions since they are paid at the same time and amount every month and I am therefore not protected by consumer protection laws for these transactions.
Company Response: Company chooses not to provide a public response
State: TN
Zip: 37311
Submitted Via: Web
Date Sent: 2015-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-26
Issue: Late fee
Subissue:
Consumer Complaint: invoices arrive the day before the due date. I pay the invoices the day they arrive in the mail. My account is charged a {$75.00} Late because payment is n't received on time. Because its impossible to meet the terms of the card. There is no doubt in my mind they delay sending my invoices to intentionally collect the late fees. This card is a scam. I tried paying my latest invoice over the internet but surprisingly the feature on the account never works. This card is a scam and this company is making an exorbitant amount of money on late fees that cant be helped by the consumer. I want all my records deleted from their company and will seek damages.
Company Response: Company chooses not to provide a public response
State: NH
Zip: 037XX
Submitted Via: Web
Date Sent: 2015-05-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-21
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: I have made an application at Regions Bank over XXXX months ago. I was given a committment and the loan was schedule to close from XXXX XXXX. I was given an extension afer being told by the Bank that I needed extra time for a bond to be processed. The extension was granted to XXXX XXXX and up to date I can not get a cleared to close. I have been trying without avail for anyone to communicate with me as to what is happening on this loan. I have given up my appartment and I am a single mom with XXXX small girls and I dont know what to do or where to go. I have given the bank all the documents they required in a timely manner and I just need to know why. My previous loan officer who started the file resign and after that no one wants to do the file and has asked her why is she always tring to help these " little people ''. I guess my loan amount is too small and I am a minority.
Company Response: Company chooses not to provide a public response
State: FL
Zip: 33065
Submitted Via: Web
Date Sent: 2015-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-14
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: XXXX charges were made on my account today that I did not make. My bank did nothing to fix the issue other than tell me to wait for the charges to go through. I have not had my money refunded and had to call the local branch to get my card canceled. They told me to call the companies myself to dispute the charges, when it should be their job.
Company Response: Company chooses not to provide a public response
State: TN
Zip: 37421
Submitted Via: Web
Date Sent: 2015-05-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-14
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: I used my debit card between XXXX and XXXX. At this time my checking account was in a positive balance, on XXXX I withdraw funds out of my checking account in the amount of XXXX, that caused me to have a overdraft fee of XXXX. On Tuesday, something told me to check my regions account, which I did and my negative balance was approx. XXXX. I thought this was an error so I called Regions customer service, I spoke to several supervisors on this day, the last person told me that her supervisor would issue a XXXX refund but that was it because, what happen was even though my account was in a positive over the weekend, when I over-drafted on Monday that caused my account to overdraft 9 times, which I am confused, how can you overdraft when your account is in a positive? Regardless of what order your transactions are being entered and I expressed this to the supervisor, whom advised me to go to the branch and speak with a branch manager, on XXXX, I spoke with a branch manager whom stated they can not refund overdraft fees anymore, that was taken away from them, she also gave me the total that I should of been charge, she states XXXX. My transaction receipt says I would be a charged an over-drafted fee and my negative balance is XXXX. This is not right, I do n't have money to give to Regions, I know that I had to pay a over-draft fee for my withdrawal on XXXX. But not for any purchases I made over the weekend prior, this is not right and should be looked into. How can you charge my account over-draft fees when I was in a positive balance and also, why are you turning the transaction order around, that 's how a lot of people miss fraud, the order should stay the way the person uses their debit card. I never knew the order was changed and have always wondered why I had to study my account to make sure there was no fraud transactions on it, this make it hard for a fraud transaction to be recognized immediately, unless in my case it 's XXXX in over-draft fees. And also, on XXXX the branch manager advised me to call customer service back pertaining to the fees, and I did so sitting in her office, the only thing I was told very rudely, was that I was getting nothing back on my account, and spoke to another supervisor that stated she will file a complaint for someone to call me back. This is horrible, I do n't have money to give to Regions, notice i over-drafted on XXXX. Why would a bank try to take a persons money? Upon writing this complaint, XXXX from Regions called me and explained that she will refund another XXXX and also they have charged me another XXXX for a transaction that I made over a week ago, my account balance is now in the negative of XXXX. I have been giving mixed communication about opt in and opt out, so I am opt out of Regions service, and still did not receive a full understanding on that.
Company Response: Company chooses not to provide a public response
State: AL
Zip: 35022
Submitted Via: Web
Date Sent: 2015-05-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-14
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I had a home equity line of credit. The line was closed and the the amount of the money borrowed from the line was created into a new loan when the house the line was associated with was sold. I have made the agreed upon monthly payments since the terms of the new loan was established. This loan is reflected as being " charged off '' and " delinquent '' on my credit report.
Company Response: Company chooses not to provide a public response
State: FL
Zip: 33919
Submitted Via: Web
Date Sent: 2015-05-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No