Date Received: 2015-04-30
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: Regions bank in XXXX XXXX, LA. I have had a several different bank accounts and have had several problems with them. My account is now over - {$230.00} due to overdraft fees. My account was low so the bank took a {$8.00} monthly fee to my account that was already- {$4.00} over withdrew so Regions then took - {$36.00} for them overdraws on my account made by them. 2 days after my account being negative Regions then charged me a {$10.00} rewards fee. and charges me another {$36.00} overdraft fee. Now I have credit company from Regions calling me everyday after I had explain that Regions has made {$160.00} just in overdraft fees. Please help! This bank has been doing unfair business to thousands and now is going to farther ruin my credit.
Company Response: Company chooses not to provide a public response
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2015-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-29
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: My husband and I had a checking account with Regions bank from around XXXX and during that time we found that the bank would change the order of our transactions until they were listed in a way that we would overdraft our account multiple times instead of the XXXX overdraft that should have occurred. Sometimes there would have been no overdraft fee at all according to their policy bc it would 've been under {$5.00} but after the transactions were rearranged there would be multiple overdrafts. Over the span of time we had this account we were charged thousands of dollars in overdraft fees because of them rearranging the transactions. We have recently found out that this practice is illegal and that regions bank has been fined for illegal overdraft fees. What can be done about our case? We quit using our account and now my husband has a debt collection against his credit as we refused to pay anymore of their bogus fees. Our debt to them stands as proof of the amount we were being charged in fees at XXXX time. Please help us
Company Response: Company chooses not to provide a public response
State: AR
Zip: 721XX
Submitted Via: Web
Date Sent: 2015-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-29
Issue: Billing statement
Subissue:
Consumer Complaint: Statement does not reflect proper credits. Previous statement XXXX/XXXX/2015 balance was {$4200.00} it was short paid {$840.00} due because of an error on XXXX part. Received XXXX/XXXX/2015 statement with a balance due of {$9100.00}. The break down of the charges and credits do not total this amount. Statement shows charges {$7800.00}, late fee of {$1200.00} ( which was an error and is being credited ), a credit for - {$840.00}. This actually totals {$8300.00}. XXXX statement contradicts the statement breakdown.
Company Response: Company chooses not to provide a public response
State: TX
Zip: 75098
Submitted Via: Web
Date Sent: 2015-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-28
Issue: Billing disputes
Subissue:
Consumer Complaint: Filed a complaint regarding a credit card fraud ( XXXX gas card account # XXXX ) sent all the requested information and document followed all the instruction provided by XXXX XXXX XXXX ( fraud Manager ) direct line XXXX XXXX XXXX. All supporting information and document sent on XXXX/XXXX/2015 After numerous phone calls and Email never received any follow up. Until now when we are contacted by various collection agencies.
Company Response: Company chooses not to provide a public response
State: CA
Zip: 90018
Submitted Via: Web
Date Sent: 2015-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-28
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: I was overcharged throughout XX/XX/XXXX and XX/XX/XXXX, and am possibly still being overcharged by Regions Bank on overdraft protection. I 've taken out " overdraft protection '', which is a loan that kicks in when I do write a check or checks that exceed my balance. However, I was still hit with overdraft fees, as if I was n't repaying the said overdrafts with a loan I 'm responsible for repaying. This has gone on through most of XX/XX/XXXX. I have n't over drafted this year, so I ca n't comment on where things are right now.
Company Response: Company chooses not to provide a public response
State: AL
Zip: 35173
Submitted Via: Web
Date Sent: 2015-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-28
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I filed a Ch XXXX in 2004. I did not reaffirm my debt with Regions Mortgage. But, in violation of the Bankruptcy Stay, Regions reported that I missed XXXX payments after the bankruptcy. Then Regions transferred the property to XXXX Mortgage who wrongfully reported that I missed XXXX payments.
Company Response: Company chooses not to provide a public response
State: LA
Zip: 70068
Submitted Via: Web
Date Sent: 2015-04-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-27
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: SOMEONE CLONED MY DEBIT CARD INCLUDING MY PIN # AND USED IT AT XXXX IN XXXX FL ON XXXX/XXXX/2015 FOR XXXX AND XXXX MIN LATER THEY CHARGE XXXX I FILED A POLICE REPORT WITH XXXX POLICE XXXX. CASE # XXXX BUT THEY TOLD ME THEY DID N'T HAVE ENOUGH PEOPLE TO REVIEW XXXX FILMS. REGIONS BANK IS RELUCTANT TO REFUND MY MONEY SO IN THE FUTURE I WILL NEVER USE PLASTIC AGAIN. GO TO XXXX AND SEARCH HOW TO CLONE A CARD AND LEARN HOW EASY IT IS.
Company Response: Company chooses not to provide a public response
State: FL
Zip: 33772
Submitted Via: Web
Date Sent: 2015-04-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-23
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: Fell upon hard financial times! XXXX business went under, had to sellshares of another business to cover due from share holder! went through a long costly divorce! I changed from office/owner to hourly employee! with a drastically pay cut! I found myself homeless ( house foreclosed on! ) and owing money I could not repay! I called Region 's Bank and explained to them my status! They ( same day I called ) immediately came and took ( repossession ) Motor Home! Yet after them taking Motor Home my Debt with them went UP! they did not give any value ( for what they sold it for )! They keep showing recent payments! I have notmade any payments to Region 's Bank for Motor Home once theyReposed it! Due to my misfortune 's and the Banks tactics I have no choice butto file Bankruptcy!
Company Response: Company chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-04-17
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: ***THIS IS NOT A DUPLIATE NOR HAS IT BEEN REVIEWED BEFORE*** This is in regards to my checking account I established when I first relocated to XXXX, Alabama. I have advised by the Alabama Court system was never an established legal bond under the law because the individual who took over my accounts never made bond for this such status. What documentation was used to closeout recreate another account adding a Conservator on my accounts giving this bank established XXXX complete control and access to all my funds if the court system advised me she never made legal court bond for this authority all? This person had a Bank Representative CLOSED my original account I had established during my relocation in 2004 and reopened another checking and saving account at another location within XXXX XXXX. This new account was created by a fraudulent individual acting as XXXX who never made bond with the court system giving her clear legal authority to deal with third parties. Without her gaining a legal XXXX, it does not provide a legal process to have a judge approve major monetary decision on my behalf. Without the court system approving this individual status of XXXX, how and what gave both the individual and the Banking Representative the legal right to take over control of my funds. All funds were transferred from my original account I established into account number ( see attached ) with this bank established XXXX 's address appearing on the checks as well. It seems as if this can be a form of Identity Theft in the making. If people were to go into a banking institution without proper legal rights/documentation and take over member 's accounts the world would have a field day! Is this type of transaction a legal approved action a banks can establish through a banking institution and is it legit? I am irate that this type of activity continues to go XXXX in the State of Alabama over and over again and swept under the carpet. People will not assist or challenge this type of activity. But, I will. I would like to know what documentation was received for this individual to establish a XXXX over my accounts if the courthouse states she never established or made legal court bond for this status. I am looking for assistance from the CFPB to aid with handling this issue? I have already attempted to have an Attorney assist ( costly and told the bank 's will not cooperate or assist appropriately ) and the Police Department has stated this is not legal and within Statue of Limitations. Any assistance you can provide to me would be greatly appreciated. ***THIS IS NOT A DUPLICATE NOR HAS IT BEEN REVIEWED BEFORE***
Company Response: Company chooses not to provide a public response
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-04-14
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I was denied a loan modification from my bank. I was not given a detailed explanation over the phone by bank representative XXXX. Also I did not receive anything in the mail about my loan modification being denied. If I did not call in to ask I would have not known anything. XXXX said they have to mail me a letter because she could not see a denial letter in my file that she could have emailed to me.
Company Response: Company chooses not to provide a public response
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2015-04-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No