Date Received: 2015-05-13
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: Regions Bank rearranges the posting of items to checking accounts in order to collect higher overdraft fees. I had transactions from XXXX/XXXX/2015, XXXX/XXXX/2015 & XXXX/XXXX/2015 leaving a balance of a little over {$12.00} in my bank account. All those items should have moved from pending and been posted to my account, as they show they were on XXXX/XXXX/2015. A new transaction, dated XXXX/XXXX/2015 in the amount of a little over {$44.00} show as pending on my account. The bank then rearranged all the items, to pay out the XXXX item for {$44.00} and then paying several smaller items, therefore ; charging a total of {$140.00} in overdraft fees. Their explanation is that their practice is to pay out the largest items XXXX so that mortgages, rent payments, car payments do n't get turned down and then pay the small items. This makes no sense, as no matter what, I have the setting on my account that all items get paid regardless of funds, so nothing would be turned away. In addition, the smaller items were already moved from pending on the XXXX and the higher item came in on the XXXX ; therefore, they are putting this item before other items already posted to my account. Upon contacting them, they refuse to do anything. This practice is taking advantage of peoples misfortune and only benefits the bank by allowing them to rearrange items in order to allow them to charge several overdraft fees as opposed to only XXXX. My overdraft charge should be for XXXX item for {$36.00} instead, it 's {$140.00}.
Company Response: Company chooses not to provide a public response
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2015-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-11
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: I am a victim of Regions Bank and their fraudulent NSF Overdraft Protection scandal. I see that they already have been ordered to start refunding customers their money back and they were told to do so regarding a Class Action Lawsuit, I thought I had signed up to be part of this Lawsuit against REGION BAnk of Alabama, I live in XXXX Alabama. I also file against XXXX XXXX for doing the same thing. They hold my transactions of my electronic XXXX direct Deposit monies, and I am thinking, because it shows that my money is in my account, but in online statements it says Pending???? then it shows all of my bill paying transactions as pending. So they proceed to charge me NSF of XXXX dollars times XXXX, for every for every transaction I make, then they release my deposit into my account but take XXXX dollars was last months XXXX check and they are in process of taking XXXX or more even as I am typing this for this month XXXX check they have taken over XXXX out of my account using overdraft protection, and not paying the transaction that I have made. and now have got me in sucha finacial hole that I can not get my XXXX or the rest of my medications and/or pay my rent and I am about to lose my home because I do n't have the money now to pay rent again. XXXX XXXX took over XXXX from me doing the same thing. and I am sitting here scratching my head trying to figure out how they are getting away with this. I met with them and they gave me back like XXXX one time, when I went to the Bank and ask them what was happening so they know they are in the wrong in what they are doing, but XXXX is far from the amount of money they have stolen from me since 2010. I want all of my money back, I want any negative reporting of my credit record of myself and my XXXX child, that they themself connected to my account. MY daughter, a XXXX, just tried to open an account of her own and we found that they refused at another bank to give to her a checking and savings account for bad banking practices and too many NSF and outstanding checks. And she is a minor and has nothing to do with what I do at my bank. they just added her as Student Checking account, when I ask them to only put her as my beneficiary on the account with signing powers in case I die she can get my money. My Name is XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX My XXXX child is : XXXX XXXX XXXX XXXX. Please have them return my money immediatly, clear our credit reports, and Pay outstanding DEbit Credit and checking transactions by paying them with my money they took from me. Thank you, My life depends on the Medications that I can not get filled, because they took my money. I am XXXX, and I plan to file a complaint against them to the " XX/XX/XXXX Act ''. Need them to please hurry so i can pay my rent and not get evicted from my home. Sincerely, XXXX XXXX XXXX.
Company Response: Company chooses not to provide a public response
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-11
Issue: Communication tactics
Subissue: Threatened to take legal action
Consumer Complaint: Made XXXX monthly payments, and was then unable to make payments due to change of work. Bank calls multiple times a day on " Robocall '' and then a person answers.
Company Response: Company chooses not to provide a public response
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2015-05-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-11
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: this is concerning case number XXXX with CFPB which was the original complaint in XXXX 2014. This case was resolved with Regions agreeing to update the XXXX credit bureaus that the loan XXXX that I pay XXXX/mo on an agreed monthly basis and was not written off or have I ever been delinquent on a payment as was showing on my credit report. As of XXXX XXXX, XXXX and XXXX are still reporting this loan to be " charged off '' and delinquent. XXXX XXXX appears to be updated as this negative comment has been removed from their report.
Company Response: Company chooses not to provide a public response
State: FL
Zip: 33919
Submitted Via: Web
Date Sent: 2015-05-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-08
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: My Complaintwith Regions Bank, I 've been working with Regions Bank since XX/XX/XXXX on getting approved for a loan on a townhome property, this property is a short sale which means we had to wait for an approved contract. In XX/XX/XXXX my loan was approved by Regions Bank & sent to the closing attorney office for a closing. Regions Bank was well aware that this was a townhome, however we did n't close because the house contract expired due to Regions Bank appraisal delay. Why did Regions bank allow me to get a new contract on the townhouse and allowed my loan file to stay in the pipeline with Regions Bank from XX/XX/XXXX through XX/XX/XXXX until we received another contract from sellers bank on XX/XX/XXXX? This new contract was sent from the attorneys office to Regions bank 8-10 days ago at that point the loan file was being processed again. Once again Regions bank is well aware that this is a townhome. Today on XXXX XXXX XXXX., I was told my loan is approved than all of a sudden late afternoon almost the close of business I 'm told we have a problem FHA is saying its a condo. This distressing message is relayed to me by my loan specialist and not a manager who at this point should be on the phone calling me, the customer to explain how any of this can happen. How can a professional, financial institution have not known for five months and also how is it possible that I had and approved loan ready to close from Regions Bank to attorneys office in XX/XX/XXXX with no problems! Is there is an underlining issue? The loan is only ( {$49000.00} ). Is the issue that I am XXXX? Is it because I am a woman? or Is it because I am a minority woman? Please investigate the protocol on this home loan process with Regions Bank.
Company Response: Company chooses not to provide a public response
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2015-05-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-07
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: I lost funds due the bank show that i had the funds availableand the them charging me an overdraft fee on numerous occasions over many years
Company Response: Company chooses not to provide a public response
State: AL
Zip: 35216
Submitted Via: Web
Date Sent: 2015-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-07
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have an account with regions bank and I was in the process of tring to do a modification due to an XXXX and the company did not do the modification after only XXXX into the process they company has charge me foreclosure fees XXXX and XXXX. The home never went into foreclosure I caught up the payments. I have called numerous times to get this resolved was told all fees would be reversed and still XXXX months late they are not. Please .This has been a horrible experience.
Company Response: Company chooses not to provide a public response
State: FL
Zip: 32068
Submitted Via: Web
Date Sent: 2015-05-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-07
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: I recently submitted a complaint against Regions Bank in regards to their illegal practice of changing transaction orders in an effort to charge more overdraft fees than would have been made had the original transaction order been kept. I have just received a letter in the mail from Regions Bank regarding this complaint. In this letter they say that they have reviewed our accounts and they can find no instance of an overdraft fee being charged on a day when the transaction would have been under {$5.00}. Therefore there was no bank error so they can not refund our money. Of course they ca n't find an instance of it happening because they changed the order of the transactions before they charged us the overdraft fees. I feel I am getting the same run around as I did when I contacted them before about this problem. They ca n't find a problem because they did such a good job at covering up what they were doing in the XXXX place. They will never find an instance of it bc they changed the transaction order. That is the problem. That practice is illegal. They have been fined and sued over that very practice already and yet here they are doing it again and getting away with it because they say they ca n't find a problem they created. Please help us! This bank is taking advantage of consumers ' trust and ruining our lives. Because of what this has done to our credit we can not get loans, financing etc. we struggle to get things we need to live a normal life and are harassed by collection calls in reference to the debt caused by this banks practices of changing transaction orders. We can not be the only ones they are doing this to. Please help!
Company Response: Company chooses not to provide a public response
State: AR
Zip: 721XX
Submitted Via: Web
Date Sent: 2015-05-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-05
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: Regions Bank - I have checking accounts with them. These accounts have debt cards linked to them. On some of my debt card transactions ( not recurring transactions ) I have been charged overdraft fees for insufficient funds. Regions allowed these transactions to go through. Thus, they charged me each time an overdraft fee. I did not have the optional overdraft protection that Regions offers. Am I eligible for Regions to reimburse me these overdraft fees they charged my accounts instead of not allowing the transaction to be processed?
Company Response: Company chooses not to provide a public response
State: AR
Zip: 72223
Submitted Via: Web
Date Sent: 2015-05-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-02
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: RE : REGIONS BANK I AM WRITING REGARDING THE ERRORS AND ENORMOUS OVERDRAFT CHARGES NOTED ON MY ACCOUNT AND THE CONFUSING MANNAER IN WHICH THE PERIODIC STATEMENTS WERE DESIGNED DURING THAT TIME [ 2012 ] .THIS ONE PARTICULAR ISSUE OCCURED IN XXXX 2012, AN ATTEMPT TO RESOLVE THIS ISSUE WAS DISCUSSED AT XXXX BANKS.I WANTED TO KNOW WHERE THE MONEY WENT AND IF THE EXCESS FUNDS WERE CREDITED TO MY ACCOUNT.MAY XXXX A CHECK WAS WRITTEN FOR $ XXXX.ACCORDING THE BANK STAFF THE CHECK DID NOT CLEAR.ACCORDING TO XXXX XXXX XXXX XXXX WAS PAID {$530.00} ON XX/XX/2012.THIS WAS DONE TO PAY THEIR CHARGES AND {$30.00} FEE.ACCORDING TO THE BANK STAFF THE MONEY WAS NOT PD UNTIL XX/XX/XXXX..THERE WER SEVERALDIFFERENT STATEMENTS THAT REFLECTED THIS TRANSACTION DURING THE PERION XX/XX/XXXX THRUI XX/XX/XXXX.ON XXXX/XXXX/2012 I WAS INSTRUCTED TO DEPOSIT {$600.00} PLUS {$20.00}, BY BANK SAYING THIS WOULD CLEAR UP THE XXXX XXXX XXXX HAD BEEN PAID. OTHER ISSUES REGARDING NON-SUFFICIENT FUNDS WHEN THE FUND WERE AVAILABLE..THERE WERE OTHER CHARGES AT VARIOUS TIME EVENTHOUGH THE FUNDS WERE AVAILABLE.AT ONE POINT THE NEGATIVE FEES AMOUNTED TO $ XXXX.THIS WAS A CONTINOUS EFFORT OF EXTRA CHARGES. MOST OF MY DEPOSITS OCCURS DURING XX/XX/XXXX THRU XX/XX/XXXX. I ATTEMPTED TO BALANCE MY BOOKS PRIOR TO ANY PAYMENTS.I DID SEND A DETAILED LETTER TO REGIONS BANK XXXX XXXX XXXX XXXX, AL XXXX.
Company Response: Company chooses not to provide a public response
State: AL
Zip: 35405
Submitted Via: Web
Date Sent: 2015-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No